* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --primary-blue: #4169E1;
  --dark-blue: #1E3A8A;
  --light-blue: #60A5FA;
  --sky-blue: #E0F2FE;
  --white: #FFFFFF;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --gray-900: #111827;
  --success: #10B981;
  --error: #EF4444;
  --warning: #F59E0B;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--white);
  overflow-x: hidden;
}

/* Loading mechanism styles */
.dynamic-content {
    opacity: 0;
    transition: opacity 0.4s ease-in-out;
}
.dynamic-content.loaded {
    opacity: 1;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Page Loader */
.page-loader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  transition: opacity 0.3s, visibility 0.3s;
}

.page-loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid var(--sky-blue);
  border-top-color: var(--primary-blue);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* Info Banner */
.info-banner {
  background: var(--dark-blue);
  color: var(--white);
  padding: 12px 0;
  font-size: 14px;
}

.info-banner-content {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}

.info-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  text-decoration: none;
  transition: opacity 0.3s;
}

.info-item:hover {
  opacity: 0.8;
}

/* Header */
.header {
  background: var(--white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
  position: sticky;
  top: 0;
  z-index: 100;
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
}

.logo {
  font-size: 28px;
  font-weight: 700;
  color: var(--primary-blue);
  text-decoration: none;
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 35px;
  align-items: center;
}

.nav-menu a {
  color: var(--gray-700);
  text-decoration: none;
  font-weight: 500;
  font-size: 15px;
  transition: color 0.3s;
  position: relative;
}

.nav-menu a::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary-blue);
  transition: width 0.3s;
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
  width: 100%;
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--primary-blue);
}

.nav-cta {
  background: var(--primary-blue);
  color: var(--white) !important;
  padding: 10px 24px;
  border-radius: 25px;
  transition: all 0.3s;
}

.nav-cta::after {
  display: none;
}

.nav-cta:hover {
  background: var(--dark-blue);
  transform: translateY(-2px);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 5px;
}

.mobile-toggle span {
  width: 25px;
  height: 3px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: all 0.3s;
}

.mobile-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(7px, 7px);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

/* Hero Section */
.hero {
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.95), rgba(65, 105, 225, 0.90)),
              url('https://storage.googleapis.com/campaign-website-images/10030/pexels-photo-1648387%20(1).jpeg') center/cover;
  padding: 140px 0 100px;
  position: relative;
  overflow: hidden;
  text-align: center;
  color: var(--white);
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 900px;
  margin: 0 auto;
}

.hero h1 {
  font-size: 56px;
  font-weight: 700;
  margin-bottom: 20px;
  line-height: 1.2;
  text-shadow: 0 2px 10px rgba(0,0,0,0.2);
}

.hero p {
  font-size: 20px;
  margin-bottom: 35px;
  line-height: 1.6;
  opacity: 0.95;
}

.hero-cta-group {
  display: flex;
  gap: 20px;
  justify-content: center;
  margin-bottom: 50px;
  flex-wrap: wrap;
}

.btn-primary {
  display: inline-block;
  background: var(--primary-blue);
  color: var(--white);
  padding: 16px 35px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s;
  box-shadow: 0 4px 15px rgba(65, 105, 225, 0.3);
}

.btn-primary:hover {
  background: var(--dark-blue);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(65, 105, 225, 0.4);
}

.btn-secondary {
  display: inline-block;
  background: var(--white);
  color: var(--primary-blue);
  padding: 16px 35px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s;
}

.btn-secondary:hover {
  background: var(--gray-100);
  transform: translateY(-2px);
}

.hero-wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 100%;
  height: 150px;
  background: var(--white);
  clip-path: polygon(0 50%, 100% 0, 100% 100%, 0 100%);
}

/* Features Grid */
.features-grid-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.feature-card {
  background: var(--white);
  padding: 35px;
  border-radius: 16px;
  display: flex;
  gap: 20px;
  align-items: start;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: linear-gradient(180deg, var(--primary-blue), var(--light-blue));
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform 0.4s ease;
}

.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 32px rgba(65, 105, 225, 0.12);
  border-color: var(--primary-blue);
}

.feature-card:hover::before {
  transform: scaleY(1);
  transform-origin: top;
}

.feature-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.feature-icon svg {
  width: 30px;
  height: 30px;
}

.feature-content h3 {
  font-size: 20px;
  color: var(--gray-900);
  margin-bottom: 10px;
  font-weight: 600;
}

.feature-content p {
  color: var(--gray-600);
  line-height: 1.6;
  font-size: 15px;
}

/* Services Section */
.services-section {
  padding: 80px 0;
  background: var(--white);
}

.section-header {
  text-align: center;
  margin-bottom: 50px;
}

.section-label {
  display: inline-block;
  color: var(--primary-blue);
  font-weight: 600;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 15px;
}

.section-header h2 {
  font-size: 42px;
  color: var(--gray-900);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 15px;
}

.section-header p {
  font-size: 18px;
  color: var(--gray-600);
  max-width: 700px;
  margin: 0 auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
}

.service-card {
  display: flex;
  gap: 0;
  align-items: stretch;
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  border: 1px solid var(--gray-200);
  position: relative;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-blue), var(--light-blue));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(65, 105, 225, 0.15);
  border-color: var(--primary-blue);
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-image {
  flex: 1;
  min-height: 320px;
  position: relative;
  overflow: hidden;
}

.service-image::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(65, 105, 225, 0.1), transparent);
  opacity: 0;
  transition: opacity 0.4s ease;
}

.service-card:hover .service-image::after {
  opacity: 1;
}

.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.service-card:hover .service-image img {
  transform: scale(1.08);
}

.service-content {
  flex: 1;
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: var(--white);
}

.service-content h3 {
  font-size: 32px;
  color: var(--primary-blue);
  margin-bottom: 18px;
  font-weight: 700;
  line-height: 1.2;
  transition: color 0.3s ease;
}

.service-card:hover .service-content h3 {
  color: var(--dark-blue);
}

.service-content p {
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 28px;
  font-size: 16px;
}

.btn-learn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--primary-blue);
  color: var(--white);
  padding: 14px 30px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(65, 105, 225, 0.2);
  align-self: flex-start;
}

.btn-learn:hover {
  background: var(--dark-blue);
  gap: 14px;
  box-shadow: 0 6px 20px rgba(65, 105, 225, 0.3);
  transform: translateX(2px);
}

/* Why Choose Us */
.why-choose-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--dark-blue), var(--primary-blue));
  color: var(--white);
}

.why-choose-section .section-header h2,
.why-choose-section .section-label {
  color: var(--white);
}

.why-choose-section .section-header p {
  color: rgba(255,255,255,0.9);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.stat-card {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(10px);
  padding: 40px 35px;
  border-radius: 16px;
  text-align: center;
  border: 1px solid rgba(255,255,255,0.2);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.stat-card::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.15) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.4s ease;
}

.stat-card:hover {
  transform: translateY(-8px) scale(1.02);
  background: rgba(255,255,255,0.2);
  border-color: rgba(255,255,255,0.4);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.15);
}

.stat-card:hover::before {
  opacity: 1;
}

.stat-number {
  font-size: 48px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}

.stat-label {
  font-size: 16px;
  color: rgba(255,255,255,0.9);
}

/* Testimonials */
.testimonials-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.testimonial-card {
  background: var(--white);
  padding: 35px;
  border-radius: 16px;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  position: relative;
}

.testimonial-card::after {
  content: '"';
  position: absolute;
  top: 20px;
  right: 25px;
  font-size: 120px;
  font-family: Georgia, serif;
  color: var(--sky-blue);
  opacity: 0.3;
  line-height: 1;
  pointer-events: none;
}

.testimonial-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 32px rgba(65, 105, 225, 0.12);
  border-color: var(--light-blue);
}

.testimonial-header {
  display: flex;
  gap: 15px;
  align-items: center;
  margin-bottom: 20px;
}

.testimonial-avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  overflow: hidden;
}

.testimonial-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.testimonial-info h4 {
  font-size: 18px;
  color: var(--gray-900);
  margin-bottom: 5px;
}

.testimonial-role {
  font-size: 14px;
  color: var(--gray-600);
}

.stars {
  color: var(--warning);
  font-size: 18px;
  margin-bottom: 15px;
}

.testimonial-text {
  color: var(--gray-600);
  line-height: 1.7;
  font-style: italic;
}

/* CTA Section */
.cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 500px;
  height: 500px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
}

.cta-content {
  position: relative;
  z-index: 1;
  max-width: 800px;
  margin: 0 auto;
}

.cta-content h2 {
  font-size: 48px;
  font-weight: 700;
  margin-bottom: 20px;
}

.cta-content p {
  font-size: 20px;
  margin-bottom: 35px;
  opacity: 0.95;
}

.btn-cta-white {
  display: inline-block;
  background: var(--white);
  color: var(--primary-blue);
  padding: 18px 40px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 700;
  font-size: 18px;
  transition: all 0.3s;
  box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}

.btn-cta-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.15);
}

/* Footer */
.footer {
  background: var(--gray-900);
  color: var(--white);
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand h3 {
  font-size: 28px;
  color: var(--primary-blue);
  margin-bottom: 15px;
  font-weight: 700;
}

.footer-brand p {
  color: var(--gray-300);
  line-height: 1.7;
  margin-bottom: 25px;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--gray-300);
  text-decoration: none;
  transition: color 0.3s;
  font-size: 14px;
}

.footer-contact-item:hover {
  color: var(--white);
}

.footer-column h4 {
  font-size: 18px;
  color: var(--white);
  margin-bottom: 20px;
  font-weight: 600;
}

.footer-column ul {
  list-style: none;
}

.footer-column li {
  margin-bottom: 12px;
}

.footer-column a {
  color: var(--gray-300);
  text-decoration: none;
  font-size: 14px;
  transition: all 0.3s ease;
  display: flex;
  align-items: center;
  gap: 10px;
}

.footer-column a svg {
  flex-shrink: 0;
  transition: transform 0.3s ease;
}

.footer-column a:hover {
  color: var(--white);
  padding-left: 5px;
}

.footer-column a:hover svg {
  transform: translateX(2px);
  color: var(--primary-blue);
}

.footer-location {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}

.footer-location svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--primary-blue);
}

.footer-location p {
  color: var(--gray-300);
  line-height: 1.7;
  font-size: 14px;
}

.footer-bottom {
  border-top: 1px solid var(--gray-700);
  padding-top: 25px;
  text-align: center;
  color: var(--gray-400);
  font-size: 14px;
}

/* Contact Page */
.contact-hero {
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.95), rgba(65, 105, 225, 0.90)),
              url('https://storage.googleapis.com/campaign-website-images/10030/pexels-photo-3183150.webp') center/cover;
  padding: 140px 0 100px;
  text-align: center;
  color: var(--white);
}

.contact-hero h1 {
  font-size: 48px;
  font-weight: 700;
  margin-bottom: 15px;
}

.contact-hero p {
  font-size: 20px;
  opacity: 0.95;
}

.contact-section {
  padding: 80px 0;
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
}

.contact-form-wrapper h2 {
  font-size: 32px;
  color: var(--gray-900);
  margin-bottom: 30px;
  font-weight: 700;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group label {
  font-size: 15px;
  color: var(--gray-700);
  margin-bottom: 8px;
  font-weight: 600;
}

.required {
  color: var(--error);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 14px 18px;
  border: 2px solid var(--gray-300);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  transition: border-color 0.3s;
  background: var(--white);
  color: var(--gray-900);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary-blue);
}

.form-group.error input,
.form-group.error select,
.form-group.error textarea {
  border-color: var(--error);
}

.error-message {
  color: var(--error);
  font-size: 13px;
  margin-top: 5px;
  display: none;
}

.form-group.error .error-message {
  display: block;
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.checkbox-group {
  margin-top: 10px;
}

.checkbox-label {
  display: flex;
  gap: 12px;
  align-items: start;
  cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  cursor: pointer;
  flex-shrink: 0;
}

.checkbox-text {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.6;
}

.checkbox-text a {
  color: var(--primary-blue);
  text-decoration: underline;
}

.checkbox-group.error .checkbox-text {
  color: var(--error);
}

.checkbox-group.error .error-message {
  display: block;
  margin-left: 30px;
}

.btn-submit {
  background: var(--primary-blue);
  color: var(--white);
  padding: 16px 40px;
  border: none;
  border-radius: 30px;
  font-size: 17px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}

.btn-submit:hover {
  background: var(--dark-blue);
  transform: translateY(-2px);
}

.btn-submit.loading {
  pointer-events: none;
  opacity: 0.7;
}

.btn-submit.loading:hover {
  transform: none;
}

.btn-text {
  display: inline-block;
  transition: visibility 0s;
}

.btn-submit.loading .btn-text {
  visibility: hidden;
}

.btn-loader {
  display: none;
  position: absolute;
  top: 50%;
  left: 50%;
  width: 20px;
  height: 20px;
  margin-top: -10px;
  margin-left: -10px;
  border: 3px solid rgba(255,255,255,0.3);
  border-top-color: var(--white);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

.btn-submit.loading .btn-loader {
  display: block;
}

.contact-info-sidebar {
  display: flex;
  flex-direction: column;
  gap: 30px;
}

.info-card {
  background: var(--white);
  padding: 30px;
  border-radius: 16px;
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  transition: all 0.3s ease;
}

.info-card:hover {
  box-shadow: 0 8px 24px rgba(65, 105, 225, 0.1);
  border-color: var(--light-blue);
}

.info-card h3 {
  font-size: 22px;
  color: var(--gray-900);
  margin-bottom: 20px;
  font-weight: 700;
}

.contact-item {
  display: flex;
  gap: 15px;
  align-items: start;
  margin-bottom: 20px;
}

.contact-item:last-child {
  margin-bottom: 0;
}

.contact-icon {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  width: 24px;
  height: 24px;
}

.contact-details h4 {
  font-size: 16px;
  color: var(--gray-900);
  margin-bottom: 5px;
  font-weight: 600;
}

.contact-details a,
.contact-details p {
  color: var(--gray-600);
  text-decoration: none;
  font-size: 15px;
  line-height: 1.6;
}

.contact-details a:hover {
  color: var(--primary-blue);
}

/* Toast */
.toast {
  position: fixed;
  bottom: -100px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gray-900);
  color: var(--white);
  padding: 15px 30px;
  border-radius: 8px;
  box-shadow: 0 4px 15px rgba(0,0,0,0.2);
  transition: bottom 0.3s;
  z-index: 1000;
  min-width: 300px;
  text-align: center;
}

.toast.show {
  bottom: 30px;
}

.toast.success {
  background: var(--success);
}

.toast.error {
  background: var(--error);
}

/* Insurance Pages */
.page-hero {
  padding: 140px 0 100px;
  position: relative;
  overflow: hidden;
  text-align: center;
  color: var(--white);
}

.health-hero {
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.95), rgba(65, 105, 225, 0.90)),
              url('https://storage.googleapis.com/campaign-website-images/10030/pexels-photo-4173239.jpeg') center/cover;
}

.life-hero {
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.95), rgba(65, 105, 225, 0.90)),
              url('https://storage.googleapis.com/campaign-website-images/10030/pexels-photo-1648387%20(1).jpeg') center/cover;
}

.page-hero .hero-content {
  position: relative;
  z-index: 1;
  max-width: 800px;
  margin: 0 auto;
}

.page-hero h1 {
  font-size: 56px;
  font-weight: 700;
  margin-bottom: 20px;
  line-height: 1.2;
  text-shadow: 0 2px 10px rgba(0,0,0,0.2);
}

.page-hero p {
  font-size: 20px;
  margin-bottom: 35px;
  line-height: 1.6;
  opacity: 0.95;
}

.hero-features {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.hero-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  font-weight: 500;
}

/* Benefits Section */
.benefits-section {
  padding: 80px 0;
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.benefit-card {
  background: var(--white);
  padding: 35px;
  border-radius: 16px;
  display: flex;
  gap: 20px;
  align-items: start;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  position: relative;
}

.benefit-card::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 16px;
  padding: 2px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.4s ease;
}

.benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 32px rgba(65, 105, 225, 0.15);
  background: var(--sky-blue);
}

.benefit-card:hover::before {
  opacity: 1;
}

.benefit-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.benefit-content h3 {
  font-size: 20px;
  color: var(--gray-900);
  margin-bottom: 10px;
  font-weight: 600;
}

.benefit-content p {
  color: var(--gray-600);
  line-height: 1.7;
}

/* Coverage Section */
.coverage-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 25px;
  margin-top: 40px;
}

.coverage-card {
  background: var(--white);
  padding: 30px;
  border-radius: 16px;
  text-align: center;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  position: relative;
  overflow: hidden;
}

.coverage-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  width: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary-blue), var(--light-blue));
  transform: translateX(-50%);
  transition: width 0.4s ease;
}

.coverage-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 32px rgba(65, 105, 225, 0.12);
  border-color: var(--light-blue);
}

.coverage-card:hover::before {
  width: 80%;
}

.coverage-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.coverage-card h3 {
  font-size: 18px;
  color: var(--gray-900);
  margin-bottom: 10px;
  font-weight: 600;
}

.coverage-card p {
  color: var(--gray-600);
  font-size: 14px;
  line-height: 1.6;
}

/* Process Section */
.process-section {
  padding: 80px 0;
  background: var(--white);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.process-step {
  text-align: center;
  position: relative;
}

.process-step::after {
  content: '→';
  position: absolute;
  top: 40px;
  right: -15px;
  font-size: 24px;
  color: var(--primary-blue);
}

.process-step:last-child::after {
  display: none;
}

.process-number {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 32px;
  font-weight: 700;
}

.process-step h3 {
  font-size: 20px;
  color: var(--gray-900);
  margin-bottom: 10px;
  font-weight: 600;
}

.process-step p {
  color: var(--gray-600);
  font-size: 14px;
  line-height: 1.6;
}

/* Privacy/Terms Pages */
.privacy-hero,
.terms-hero {
  background: linear-gradient(135deg, var(--dark-blue), var(--primary-blue));
  padding: 140px 0 80px;
  text-align: center;
  color: var(--white);
}

.content-section {
  padding: 80px 0;
  background: var(--white);
}

.content-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.content-wrapper h2 {
  color: var(--gray-900);
  font-size: 28px;
  font-weight: 700;
  margin: 40px 0 20px;
  padding-top: 20px;
  border-top: 2px solid var(--gray-200);
}

.content-wrapper h2:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

.content-wrapper h3 {
  color: var(--gray-800);
  font-size: 22px;
  font-weight: 600;
  margin: 30px 0 15px;
}

.content-wrapper p {
  color: var(--gray-600);
  font-size: 16px;
  line-height: 1.8;
  margin-bottom: 20px;
}

.content-wrapper a {
  color: var(--primary-blue);
  text-decoration: underline;
}

/* Calculator Section */
.calculator-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.calculator-wrapper {
  max-width: 700px;
  margin: 40px auto 0;
}

.calculator-card {
  background: var(--white);
  padding: 40px;
  border-radius: 20px;
  box-shadow: 0 8px 30px rgba(0,0,0,0.1);
}

.calculator-card h3 {
  font-size: 24px;
  color: var(--gray-900);
  margin-bottom: 30px;
  text-align: center;
  font-weight: 700;
}

.calculator-inputs {
  display: grid;
  gap: 20px;
  margin-bottom: 30px;
}

.calc-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.calc-group label {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700);
}

.calc-group input {
  padding: 14px 18px;
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  font-size: 16px;
  transition: all 0.3s ease;
}

.calc-group input:focus {
  outline: none;
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 3px rgba(65, 105, 225, 0.1);
}

.btn-calculate {
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  border: none;
  border-radius: 12px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-calculate:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(65, 105, 225, 0.3);
}

.calculation-result {
  margin-top: 30px;
  text-align: center;
  padding: 30px;
  background: linear-gradient(135deg, rgba(65, 105, 225, 0.05), rgba(135, 206, 235, 0.05));
  border-radius: 12px;
  border: 2px solid var(--primary-blue);
}

.result-amount {
  font-size: 48px;
  font-weight: 700;
  color: var(--primary-blue);
  margin-bottom: 10px;
}

.calculation-result p {
  font-size: 16px;
  color: var(--gray-600);
  margin: 0;
  font-weight: 500;
}

/* FAQ Section */
.faq-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.faq-item {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
  transition: all 0.3s ease;
}

.faq-item:hover {
  box-shadow: 0 8px 20px rgba(0,0,0,0.1);
  transform: translateY(-2px);
}

.faq-question {
  padding: 25px 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  background: var(--white);
  transition: background 0.3s ease;
}

.faq-question:hover {
  background: var(--gray-50);
}

.faq-question h3 {
  font-size: 18px;
  color: var(--gray-900);
  margin: 0;
  font-weight: 600;
  flex: 1;
}

.faq-icon {
  flex-shrink: 0;
  color: var(--primary-blue);
  transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease;
  padding: 0 30px;
}

.faq-item.active .faq-answer {
  max-height: 300px;
  padding: 0 30px 25px;
}

.faq-answer p {
  color: var(--gray-600);
  font-size: 15px;
  line-height: 1.7;
  margin: 0;
}

/* Comparison Section */
.comparison-section {
  padding: 80px 0;
  background: var(--white);
}

.comparison-table-wrapper {
  overflow-x: auto;
  margin-top: 40px;
  border-radius: 16px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  min-width: 600px;
}

.comparison-table thead {
  background: linear-gradient(135deg, var(--dark-blue), var(--primary-blue));
  color: var(--white);
}

.comparison-table th {
  padding: 25px 20px;
  text-align: center;
  font-weight: 600;
  font-size: 16px;
  position: relative;
}

.comparison-table th:first-child {
  text-align: left;
  background: var(--gray-900);
}

.comparison-table th.popular {
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
}

.plan-badge {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 5px;
}

.popular-tag {
  font-size: 12px;
  background: rgba(255,255,255,0.3);
  padding: 4px 12px;
  border-radius: 12px;
  display: inline-block;
  margin-top: 5px;
}

.comparison-table tbody tr {
  border-bottom: 1px solid var(--gray-200);
  transition: background 0.3s ease;
}

.comparison-table tbody tr:hover {
  background: var(--gray-50);
}

.comparison-table tbody tr:last-child {
  border-bottom: none;
}

.comparison-table td {
  padding: 20px;
  text-align: center;
  font-size: 15px;
  color: var(--gray-700);
}

.comparison-table td:first-child {
  text-align: left;
  font-weight: 600;
  color: var(--gray-900);
}

.comparison-table td.highlighted {
  background: rgba(65, 105, 225, 0.05);
  color: var(--primary-blue);
  font-weight: 600;
}

.feature-name {
  min-width: 200px;
}

/* Trust Section */
.trust-section {
  padding: 80px 0;
  background: var(--white);
}

.trust-badges {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-top: 50px;
}

.trust-badge {
  text-align: center;
  padding: 30px 20px;
  background: var(--gray-50);
  border-radius: 16px;
  transition: all 0.3s ease;
  border: 2px solid transparent;
}

.trust-badge:hover {
  background: var(--white);
  border-color: var(--primary-blue);
  transform: translateY(-5px);
  box-shadow: 0 10px 25px rgba(65, 105, 225, 0.1);
}

.trust-badge svg {
  color: var(--primary-blue);
  margin-bottom: 15px;
}

.trust-badge p {
  font-size: 16px;
  font-weight: 600;
  color: var(--gray-900);
  margin: 0;
}

/* Animations */
.fade-in-up,
.fade-in-left,
.fade-in-right,
.scale-in {
  opacity: 0;
  animation-duration: 0.8s;
  animation-fill-mode: forwards;
}

.fade-in-up {
  animation-name: fadeInUp;
}

.fade-in-left {
  animation-name: fadeInLeft;
}

.fade-in-right {
  animation-name: fadeInRight;
}

.scale-in {
  animation-name: scaleIn;
}

.delay-1 { animation-delay: 0.15s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.45s; }
.delay-4 { animation-delay: 0.6s; }

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeInLeft {
  from {
    opacity: 0;
    transform: translateX(-30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes fadeInRight {
  from {
    opacity: 0;
    transform: translateX(30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes scaleIn {
  from {
    opacity: 0;
    transform: scale(0.9);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

/* Responsive Design */
@media (max-width: 992px) {
  .features-grid,
  .services-grid,
  .benefits-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .service-card {
    flex-direction: column;
    gap: 0;
  }

  .service-image {
    min-height: 280px;
    width: 100%;
  }

  .service-content {
    padding: 35px 30px;
  }

  .service-content h3 {
    font-size: 28px;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-step::after {
    display: none;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .feature-card,
  .benefit-card {
    padding: 28px;
  }

  .feature-icon,
  .benefit-icon {
    width: 50px;
    height: 50px;
  }

  .feature-icon svg,
  .benefit-icon svg {
    width: 24px;
    height: 24px;
  }
}

@media (max-width: 768px) {
  .mobile-toggle {
    display: flex;
  }

  .nav-menu {
    position: fixed;
    top: 70px;
    right: -100%;
    width: 280px;
    height: calc(100vh - 70px);
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 30px;
    box-shadow: -2px 0 10px rgba(0,0,0,0.1);
    transition: right 0.3s;
    gap: 20px;
  }

  .nav-menu.active {
    right: 0;
  }

  .hero h1,
  .page-hero h1 {
    font-size: 36px;
  }

  .hero p,
  .page-hero p {
    font-size: 16px;
  }

  .section-header h2,
  .cta-content h2 {
    font-size: 32px;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .testimonial-card {
    padding: 30px;
  }

  .testimonial-card::after {
    font-size: 80px;
    top: 15px;
    right: 20px;
  }

  .stats-grid,
  .coverage-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }

  .stat-card {
    padding: 30px 25px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .service-image {
    min-height: 240px;
  }

  .faq-grid {
    grid-template-columns: 1fr;
  }

  .trust-badges {
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
  }

  .comparison-table th,
  .comparison-table td {
    padding: 15px 12px;
    font-size: 14px;
  }

  .calculator-card {
    padding: 30px 25px;
  }

  .result-amount {
    font-size: 36px;
  }

  .service-content {
    padding: 30px 25px;
  }

  .service-content h3 {
    font-size: 26px;
  }

  .feature-card,
  .benefit-card {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 25px;
  }

  .feature-card::before,
  .benefit-card::before {
    display: none;
  }

  .coverage-card {
    padding: 25px 20px;
  }
}

@media (max-width: 480px) {
  .info-banner-content {
    flex-direction: column;
    gap: 10px;
    font-size: 12px;
  }

  .hero h1,
  .page-hero h1 {
    font-size: 28px;
  }

  .hero-cta-group {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-features {
    flex-direction: column;
    gap: 15px;
  }

  .service-card {
    border-radius: 16px;
  }

  .service-image {
    min-height: 200px;
  }

  .service-content {
    padding: 25px 20px;
  }

  .service-content h3 {
    font-size: 24px;
    margin-bottom: 15px;
  }

  .service-content p {
    font-size: 15px;
    margin-bottom: 20px;
  }

  .btn-learn {
    width: 100%;
    justify-content: center;
    padding: 12px 24px;
  }

  .feature-card,
  .benefit-card,
  .testimonial-card {
    padding: 20px;
  }

  .feature-content h3,
  .benefit-content h3 {
    font-size: 18px;
  }

  .feature-content p,
  .benefit-content p {
    font-size: 14px;
  }

  .stat-card {
    padding: 25px 20px;
  }

  .stat-number {
    font-size: 36px;
  }

  .stat-label {
    font-size: 14px;
  }

  .coverage-card {
    padding: 20px 15px;
  }

  .coverage-icon {
    width: 50px;
    height: 50px;
    margin-bottom: 15px;
  }

  .coverage-card h3 {
    font-size: 16px;
  }

  .coverage-card p {
    font-size: 13px;
  }

  .section-header h2 {
    font-size: 28px;
  }

  .section-header p {
    font-size: 16px;
  }

  .contact-form-wrapper h2 {
    font-size: 26px;
    margin-bottom: 25px;
  }

  .info-card {
    padding: 25px 20px;
  }

  .info-card h3 {
    font-size: 20px;
  }
}