:root {
  --primary-color: #006B54;
  --primary-dark: #005544;
  --primary-light: #008B6A;
  --secondary-color: #F5F5F5;
  --text-dark: #1A1A1A;
  --text-gray: #666666;
  --text-light: #999999;
  --white: #FFFFFF;
  --border-color: #E5E5E5;
  --shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
  --shadow-hover: 0 4px 30px rgba(0, 0, 0, 0.12);
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-dark);
  background: var(--white);
}

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

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
  transition: all 0.3s ease;
}

/* Top Bar */
.top-bar {
  background: var(--primary-color);
  color: var(--white);
  padding: 10px 0;
  font-size: 13px;
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.top-bar-left {
  display: flex;
  gap: 30px;
}

.top-bar-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  opacity: 0.95;
}

.top-bar-link:hover {
  opacity: 1;
}

.top-bar svg {
  flex-shrink: 0;
}

/* Header */
.header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.08);
  transition: box-shadow 0.3s ease;
}

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

.logo {
  font-size: 22px;
  font-weight: 700;
  color: var(--primary-color);
  letter-spacing: -0.5px;
}

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

.nav-link {
  font-weight: 500;
  font-size: 15px;
  color: var(--text-dark);
  position: relative;
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link:hover {
  color: var(--primary-color);
}

.nav-link.active {
  color: var(--primary-color);
}

.dropdown {
  position: relative;
}

.dropdown-arrow {
  font-size: 10px;
  margin-left: 2px;
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  box-shadow: var(--shadow);
  border-radius: 8px;
  list-style: none;
  min-width: 200px;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: all 0.3s ease;
  margin-top: 15px;
}

.dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-menu li {
  padding: 0;
}

.dropdown-menu a {
  display: block;
  padding: 10px 20px;
  color: var(--text-dark);
  font-size: 14px;
}

.dropdown-menu a:hover {
  background: var(--secondary-color);
  color: var(--primary-color);
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
  color: var(--white);
  padding: 12px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  border: none;
  cursor: pointer;
  display: inline-block;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  box-shadow: 0 2px 8px rgba(0, 107, 84, 0.2);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-color) 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 107, 84, 0.35);
}

.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(--text-dark);
  border-radius: 2px;
  transition: all 0.3s ease;
}

/* Hero Section */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 0;
}

.hero-bg::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(to right, rgba(0, 0, 0, 0.6), rgba(0, 0, 0, 0.3));
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 650px;
  color: var(--white);
  padding: 60px 0;
}

.hero-title {
  font-size: 52px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -1px;
}

.hero-subtitle {
  font-size: 18px;
  margin-bottom: 35px;
  opacity: 0.95;
  line-height: 1.6;
}

.btn-hero {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
  color: var(--white);
  padding: 16px 40px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 15px;
  display: inline-block;
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(0, 107, 84, 0.25);
}

.btn-hero:hover {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-color) 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 107, 84, 0.45);
}

/* Hero Animated Shapes */
.hero-shapes {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  pointer-events: none;
  overflow: hidden;
}

.shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(5px);
}

.shape-1 {
  width: 300px;
  height: 300px;
  top: -100px;
  right: 10%;
  animation: float 20s ease-in-out infinite;
}

.shape-2 {
  width: 200px;
  height: 200px;
  bottom: 50px;
  right: 25%;
  animation: float 15s ease-in-out infinite reverse;
}

.shape-3 {
  width: 150px;
  height: 150px;
  top: 40%;
  right: 5%;
  animation: float 18s ease-in-out infinite;
}

.shape-4 {
  width: 100px;
  height: 100px;
  bottom: 20%;
  right: 15%;
  animation: float 12s ease-in-out infinite reverse;
}

@keyframes float {
  0%, 100% {
    transform: translateY(0) translateX(0);
  }
  33% {
    transform: translateY(-30px) translateX(20px);
  }
  66% {
    transform: translateY(20px) translateX(-20px);
  }
}

/* Info Banner */
.info-banner {
  background: var(--primary-color);
  color: var(--white);
  padding: 16px 0;
  text-align: center;
  font-size: 15px;
}

.info-banner a {
  color: var(--white);
  text-decoration: underline;
  font-weight: 600;
}

/* About Section */
.about-section {
  padding: 100px 0;
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-image img {
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.section-title {
  font-size: 40px;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 25px;
  color: var(--text-dark);
  letter-spacing: -0.5px;
}

.section-title.center {
  text-align: center;
}

.about-text {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-gray);
  margin-bottom: 20px;
}

.check-list {
  list-style: none;
  margin: 30px 0;
}

.check-list li {
  display: flex;
  align-items: start;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 15px;
  color: var(--text-gray);
}

.check-list svg {
  color: var(--primary-color);
  flex-shrink: 0;
  margin-top: 2px;
}

.about-cta {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-top: 35px;
}

.about-contact {
  display: flex;
  align-items: center;
  gap: 15px;
}

.about-contact svg {
  color: var(--primary-color);
  flex-shrink: 0;
}

.about-contact span {
  display: block;
  font-size: 13px;
  color: var(--text-light);
  margin-bottom: 2px;
}

.about-contact strong {
  display: block;
  font-size: 18px;
  color: var(--text-dark);
  font-weight: 700;
}

/* Services Section */
.services-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.section-header {
  max-width: 900px;
  margin: 0 auto 60px;
  text-align: center;
}

.section-subtitle {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-gray);
  margin-top: 15px;
}

.section-subtitle.center {
  text-align: center;
}

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

.service-card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all 0.3s ease;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-hover);
}

.service-image {
  position: relative;
  height: 280px;
  overflow: hidden;
}

.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}

.service-card:hover .service-image img {
  transform: scale(1.05);
}

.service-label {
  position: absolute;
  bottom: 20px;
  left: 20px;
  background: var(--primary-color);
  color: var(--white);
  padding: 8px 20px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.service-content {
  padding: 35px;
}

.service-content h3 {
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 15px;
  color: var(--text-dark);
}

.service-content p {
  font-size: 14px;
  line-height: 1.8;
  color: var(--text-gray);
  margin-bottom: 20px;
}

.service-link {
  color: var(--primary-color);
  font-weight: 600;
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.service-link:hover {
  gap: 8px;
}

/* Features Section */
.features-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.features-main-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.features-left {
  max-width: 600px;
}

.features-header {
  margin-bottom: 40px;
}

.features-intro {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-gray);
  margin-top: 15px;
}

.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 25px;
}

.feature-item {
  display: flex;
  gap: 20px;
  padding: 25px;
  background: var(--white);
  border-radius: 12px;
  transition: all 0.3s ease;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
}

.feature-item:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
}

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

.feature-icon svg {
  color: var(--white);
}

.feature-content h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.feature-content p {
  font-size: 14px;
  line-height: 1.7;
  color: var(--text-gray);
}

.features-right {
  position: relative;
}

.features-image-wrapper {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
}

.features-image-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.features-badge {
  position: absolute;
  bottom: 30px;
  right: 30px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  color: var(--white);
  padding: 25px 30px;
  border-radius: 12px;
  text-align: center;
  box-shadow: 0 10px 30px rgba(0, 107, 84, 0.3);
}

.badge-number {
  font-size: 36px;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 5px;
}

.badge-text {
  font-size: 14px;
  font-weight: 600;
  opacity: 0.95;
}

/* Stats Section */
.stats-section {
  background: var(--primary-color);
  padding: 60px 0;
  color: var(--white);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 60px;
  text-align: center;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 15px;
}

.stat-item svg {
  color: var(--white);
  opacity: 0.9;
}

.stat-number {
  font-size: 42px;
  font-weight: 800;
  letter-spacing: -1px;
}

.stat-label {
  font-size: 15px;
  opacity: 0.9;
}

/* Testimonials Section */
.testimonials-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 50px;
}

.testimonial-card {
  background: var(--white);
  padding: 35px;
  border-radius: 12px;
  box-shadow: var(--shadow);
  transition: all 0.3s ease;
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-hover);
}

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

.testimonial-avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  object-fit: cover;
}

.testimonial-header h4 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 5px;
  color: var(--text-dark);
}

.testimonial-stars {
  color: #FFB800;
  font-size: 14px;
}

.testimonial-card p {
  font-size: 14px;
  line-height: 1.7;
  color: var(--text-gray);
  font-style: italic;
}

/* FAQ Section */
.faq-section {
  padding: 100px 0;
  background: var(--white);
}

.faq-header-section {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 60px;
}

.faq-main-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  align-items: start;
}

.faq-content {
  display: flex;
  flex-direction: column;
  gap: 15px;
}

.faq-item {
  background: var(--white);
  border: 2px solid var(--border-color);
  border-radius: 12px;
  overflow: hidden;
  transition: all 0.3s ease;
}

.faq-item:hover {
  border-color: var(--primary-color);
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
}

.faq-question-btn {
  width: 100%;
  padding: 24px 28px;
  background: none;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-size: 16px;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  transition: all 0.3s ease;
}

.faq-question-btn:hover {
  color: var(--primary-color);
}

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

.faq-item.active .faq-question-btn svg {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
  max-height: 500px;
}

.faq-answer p {
  padding: 0 28px 24px;
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-gray);
}

.faq-cta-card {
  position: sticky;
  top: 100px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 107, 84, 0.2);
}

.faq-cta-content {
  padding: 40px;
  color: var(--white);
  text-align: center;
}

.faq-cta-content svg {
  color: var(--white);
  margin-bottom: 20px;
  opacity: 0.9;
}

.faq-cta-content h3 {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 15px;
  line-height: 1.3;
}

.faq-cta-content p {
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 25px;
  opacity: 0.95;
}

.faq-cta-content .btn-primary {
  background: var(--white);
  color: var(--primary-color);
}

.faq-cta-content .btn-primary:hover {
  background: var(--secondary-color);
  transform: translateY(-2px);
}

.faq-cta-image {
  height: 200px;
  overflow: hidden;
}

.faq-cta-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Insurance Pages Styles */
.insurance-intro-section {
  padding: 80px 0;
  background: var(--white);
}

.intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.intro-content h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text-dark);
}

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

.intro-image {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.1);
}

.intro-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.insurance-benefits-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 50px;
}

.benefit-card {
  background: var(--white);
  padding: 35px;
  border-radius: 12px;
  text-align: center;
  transition: all 0.3s ease;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
}

.benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.12);
}

.benefit-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  border-radius: 16px;
}

.benefit-icon svg {
  color: var(--white);
}

.benefit-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.benefit-card p {
  font-size: 14px;
  line-height: 1.7;
  color: var(--text-gray);
}

.insurance-types-section {
  padding: 100px 0;
  background: var(--white);
}

.types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 50px;
}

.type-card {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  border: 2px solid var(--border-color);
  transition: all 0.3s ease;
}

.type-card:hover {
  border-color: var(--primary-color);
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.type-number {
  font-size: 48px;
  font-weight: 800;
  color: var(--primary-color);
  opacity: 0.2;
  line-height: 1;
  margin-bottom: 15px;
}

.type-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 15px;
  color: var(--text-dark);
}

.type-card p {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-gray);
}

.insurance-cta-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.cta-card-large {
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  padding: 80px 60px;
  border-radius: 20px;
  text-align: center;
  color: var(--white);
  box-shadow: 0 20px 60px rgba(0, 107, 84, 0.2);
}

.cta-card-large h2 {
  font-size: 42px;
  font-weight: 700;
  margin-bottom: 20px;
}

.cta-card-large p {
  font-size: 18px;
  line-height: 1.7;
  margin-bottom: 30px;
  opacity: 0.95;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.cta-card-large .btn-primary {
  background: var(--white);
  color: var(--primary-color);
}

.cta-card-large .btn-primary:hover {
  background: var(--secondary-color);
}

/* Modern Insurance Pages Styles */
.modern-hero {
  background: linear-gradient(135deg, #f8faf9 0%, #ffffff 100%);
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
}

.modern-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.modern-hero-content {
  max-width: 600px;
}

.hero-tag {
  display: inline-block;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  color: var(--white);
  padding: 8px 20px;
  border-radius: 30px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
  text-transform: uppercase;
}

.modern-hero h1 {
  font-size: 56px;
  font-weight: 800;
  line-height: 1.1;
  margin-bottom: 20px;
  color: var(--text-dark);
  letter-spacing: -1px;
}

.hero-lead {
  font-size: 19px;
  line-height: 1.7;
  color: var(--text-gray);
  margin-bottom: 30px;
}

.hero-features {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin-bottom: 35px;
}

.hero-feature-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--text-dark);
  font-weight: 500;
}

.hero-feature-item svg {
  color: var(--primary-color);
  flex-shrink: 0;
}

.hero-cta-group {
  display: flex;
  gap: 15px;
  flex-wrap: wrap;
}

.btn-primary.large,
.btn-secondary.large {
  padding: 18px 35px;
  font-size: 16px;
  font-weight: 600;
}

.btn-secondary {
  background: var(--white);
  color: var(--primary-color);
  border: 2px solid var(--primary-color);
  padding: 14px 28px;
  border-radius: 6px;
  font-weight: 600;
  display: inline-block;
  transition: all 0.3s ease;
  text-decoration: none;
}

.btn-secondary:hover {
  background: var(--primary-color);
  color: var(--white);
}

.modern-hero-image {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.15);
}

.hero-image-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.hero-floating-card {
  position: absolute;
  bottom: 30px;
  left: 30px;
  background: var(--white);
  padding: 25px;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
  display: flex;
  gap: 20px;
  align-items: center;
  animation: float 3s ease-in-out infinite;
}

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

.floating-card-icon svg {
  color: var(--white);
}

.floating-card-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1;
}

.floating-card-label {
  font-size: 13px;
  color: var(--text-gray);
  margin-top: 5px;
}

.stats-bar {
  background: var(--white);
  padding: 40px 0;
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

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

.stat-bar-item {
  text-align: center;
}

.stat-bar-number {
  font-size: 42px;
  font-weight: 800;
  color: var(--primary-color);
  line-height: 1;
  margin-bottom: 10px;
}

.stat-bar-label {
  font-size: 14px;
  color: var(--text-gray);
  font-weight: 500;
}

.why-choose-section {
  padding: 100px 0;
  background: var(--secondary-color);
}

.section-header-center {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 60px;
}

.section-subtitle {
  font-size: 17px;
  line-height: 1.7;
  color: var(--text-gray);
  margin-top: 15px;
}

.benefits-grid-modern {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.coverage-types-section {
  padding: 100px 0;
  background: var(--white);
}

.coverage-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 50px;
}

.coverage-card {
  background: var(--white);
  border: 2px solid var(--border-color);
  border-radius: 16px;
  overflow: hidden;
  transition: all 0.3s ease;
}

.coverage-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.12);
  border-color: var(--primary-color);
}

.coverage-card.featured {
  border-color: var(--primary-color);
  border-width: 3px;
  position: relative;
}

.coverage-card.featured::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--primary-color), var(--primary-light));
}

.coverage-card-header {
  padding: 35px 30px;
  border-bottom: 2px solid var(--border-color);
  background: var(--secondary-color);
}

.coverage-tag {
  display: inline-block;
  background: var(--primary-color);
  color: var(--white);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 15px;
}

.coverage-tag.best {
  background: linear-gradient(135deg, #ff6b6b, #ff8e53);
}

.coverage-card h3 {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 15px;
  color: var(--text-dark);
}

.coverage-price {
  display: flex;
  align-items: baseline;
  gap: 8px;
}

.price-from {
  font-size: 14px;
  color: var(--text-gray);
}

.price-amount {
  font-size: 42px;
  font-weight: 800;
  color: var(--primary-color);
  line-height: 1;
}

.price-period {
  font-size: 16px;
  color: var(--text-gray);
}

.coverage-card-body {
  padding: 30px;
}

.coverage-description {
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-gray);
  margin-bottom: 25px;
}

.coverage-features {
  list-style: none;
  margin: 0 0 30px 0;
  padding: 0;
}

.coverage-features li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  font-size: 15px;
  color: var(--text-dark);
  border-bottom: 1px solid var(--border-color);
}

.coverage-features li:last-child {
  border-bottom: none;
}

.coverage-features svg {
  color: var(--primary-color);
  flex-shrink: 0;
}

.btn-coverage {
  display: block;
  width: 100%;
  text-align: center;
  background: var(--primary-color);
  color: var(--white);
  padding: 15px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  transition: all 0.3s ease;
  text-decoration: none;
}

.btn-coverage:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0, 107, 84, 0.3);
}

.final-cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
  color: var(--white);
}

.final-cta-content {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  align-items: center;
}

.final-cta-left h2 {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 20px;
  line-height: 1.2;
}

.final-cta-left p {
  font-size: 18px;
  line-height: 1.7;
  margin-bottom: 30px;
  opacity: 0.95;
}

.cta-benefits {
  list-style: none;
  margin: 0;
  padding: 0;
}

.cta-benefits li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 16px;
  margin-bottom: 15px;
  font-weight: 500;
}

.cta-benefits svg {
  flex-shrink: 0;
}

.final-cta-right {
  text-align: center;
}

.final-cta-right .btn-primary {
  background: var(--white);
  color: var(--primary-color);
  display: block;
  width: 100%;
  margin-bottom: 15px;
}

.final-cta-right .btn-primary:hover {
  background: var(--secondary-color);
  color: var(--primary-color);
}

.cta-note {
  font-size: 14px;
  opacity: 0.9;
  font-style: italic;
}

/* Contact CTA */
.contact-cta {
  background: var(--primary-color);
  padding: 80px 0;
  text-align: center;
  color: var(--white);
}

.cta-content h2 {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 15px;
  letter-spacing: -0.5px;
}

.cta-content p {
  font-size: 16px;
  margin-bottom: 35px;
  opacity: 0.95;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.btn-white {
  background: var(--white);
  color: var(--primary-color);
  padding: 16px 40px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 15px;
  display: inline-block;
  transition: all 0.3s ease;
}

.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(255, 255, 255, 0.3);
}

/* Footer */
.footer {
  background: linear-gradient(135deg, #1a1a1a 0%, #0f2027 100%);
  color: rgba(255, 255, 255, 0.8);
  padding: 80px 0 0;
  position: relative;
  overflow: hidden;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--primary-color), transparent);
}

.footer-main {
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 60px;
  margin-bottom: 0;
}

.footer-col.footer-brand {
  max-width: 400px;
}

.footer-logo {
  font-size: 24px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
  display: block;
  letter-spacing: -0.5px;
}

.footer-description {
  font-size: 15px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 0;
}

.footer-col h4 {
  color: var(--white);
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-size: 13px;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

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

.footer-col a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 15px;
  transition: all 0.3s ease;
  text-decoration: none;
  display: inline-block;
}

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

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 20px;
}

.footer-contact-icon {
  width: 40px;
  height: 40px;
  background: rgba(0, 107, 84, 0.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-color);
  flex-shrink: 0;
}

.footer-contact-icon svg {
  width: 18px;
  height: 18px;
}

.footer-contact-content {
  flex: 1;
}

.footer-contact-label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 2px;
  display: block;
}

.footer-contact-value {
  color: var(--white);
  font-size: 15px;
  font-weight: 500;
}

.footer-contact-value a {
  color: var(--white);
  padding: 0;
}

.footer-contact-value a:hover {
  color: var(--primary-color);
}

.footer-bottom {
  padding: 30px 0;
  text-align: center;
}

.footer-bottom-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-copyright {
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
}

.footer-links {
  display: flex;
  gap: 25px;
  flex-wrap: wrap;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
  text-decoration: none;
  transition: color 0.3s ease;
}

.footer-links a:hover {
  color: var(--primary-color);
}

/* Toast Notification */
.toast {
  position: fixed;
  top: 20px;
  right: 20px;
  background: var(--primary-color);
  color: white;
  padding: 16px 24px;
  border-radius: 8px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
  display: flex;
  align-items: center;
  gap: 12px;
  z-index: 10000;
  animation: slideIn 0.3s ease;
}

@keyframes slideIn {
  from {
    transform: translateX(400px);
    opacity: 0;
  }
  to {
    transform: translateX(0);
    opacity: 1;
  }
}

.toast.hide {
  animation: slideOut 0.3s ease forwards;
}

@keyframes slideOut {
  from {
    transform: translateX(0);
    opacity: 1;
  }
  to {
    transform: translateX(400px);
    opacity: 0;
  }
}

/* Loading Button */
.btn-white.loading,
.btn-primary.loading {
  position: relative;
  color: transparent;
  pointer-events: none;
}

.btn-white.loading::after,
.btn-primary.loading::after {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  top: 50%;
  left: 50%;
  margin-left: -10px;
  margin-top: -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-primary.loading::after {
  border: 3px solid rgba(0, 107, 84, 0.3);
  border-top-color: var(--primary-color);
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

/* Home Form Styles */
.contact-form-section input:focus,
.contact-form-section select:focus,
.contact-form-section textarea:focus {
  outline: none;
  border-color: var(--primary-color) !important;
  box-shadow: 0 0 0 3px rgba(0, 107, 84, 0.1);
}

/* Responsive Design */
@media (max-width: 1024px) {
  .about-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }

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

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

  .features-main-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }

  .faq-main-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .faq-cta-card {
    position: static;
  }

  .intro-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .types-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cta-card-large {
    padding: 60px 40px;
  }

  .cta-card-large h2 {
    font-size: 32px;
  }

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

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

@media (max-width: 768px) {
  .top-bar-content {
    flex-direction: column;
    gap: 10px;
    text-align: center;
  }

  .top-bar-left {
    flex-direction: column;
    gap: 10px;
  }

  .mobile-toggle {
    display: flex;
  }

  .nav-menu {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    box-shadow: var(--shadow);
    transform: translateY(-20px);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    gap: 15px;
  }

  .nav-menu.active {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .navbar .btn-primary {
    display: none;
  }

  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    margin-top: 10px;
    display: none;
  }

  .dropdown:hover .dropdown-menu {
    display: block;
  }

  .hero-title {
    font-size: 36px;
  }

  .hero-subtitle {
    font-size: 16px;
  }

  .section-title {
    font-size: 32px;
  }

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

  .intro-content h2 {
    font-size: 28px;
  }

  .cta-card-large h2 {
    font-size: 28px;
  }

  .cta-card-large {
    padding: 50px 30px;
  }

  .modern-hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .modern-hero h1 {
    font-size: 42px;
  }

  .hero-floating-card {
    bottom: 20px;
    left: 20px;
    padding: 20px;
  }

  .stats-bar-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
  }

  .benefits-grid-modern {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .coverage-cards-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .final-cta-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .final-cta-left h2 {
    font-size: 32px;
  }

  .stats-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-bottom-content {
    flex-direction: column;
    text-align: center;
  }

  .footer-links {
    justify-content: center;
    gap: 40px;
  }

  .about-cta {
    flex-direction: column;
    align-items: start;
  }

  .contact-form-section h2 {
    font-size: 32px !important;
  }

  .contact-form-section > div > div:nth-child(2) {
    padding: 35px 25px !important;
  }

  .contact-form-section [style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
  }
}