/* ===========================
   CSS VARIABLES & RESET
   =========================== */
:root {
  /* Star Health inspired palette — deep navy + vivid orange CTA */
  --primary: #1b2a6b;
  --primary-rgb: 27, 42, 107;
  --primary-dark: #10193f;
  --primary-light: #eaedf8;
  --secondary: #f7941d;
  --secondary-rgb: 247, 148, 29;
  --secondary-dark: #d97b0a;
  --secondary-light: #fff1de;
  --accent: #f7941d;
  --dark: #10163f;
  --gray-900: #1f2937;
  --gray-800: #374151;
  --gray-700: #4b5563;
  --gray-600: #6b7280;
  --gray-400: #9ca3af;
  --gray-300: #d1d5db;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50: #f9fafb;
  --white: #ffffff;
  --red: #ef4444;
  --green: #10b981;
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08);
  --shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 12px 40px rgba(0, 0, 0, 0.12);
  --shadow-xl: 0 20px 60px rgba(0, 0, 0, 0.15);
  --transition: 0.3s ease;
  --font: "Poppins", "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font);
  color: var(--gray-800);
  line-height: 1.7;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a {
  text-decoration: none;
  color: inherit;
  transition: color var(--transition);
}
ul {
  list-style: none;
}
img {
  max-width: 100%;
  display: block;
}

/* Skip to content (accessibility) */
.skip-link {
  position: absolute;
  top: -100%;
  left: 50%;
  transform: translateX(-50%);
  background: var(--primary);
  color: var(--white);
  padding: 12px 24px;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
  z-index: 9999;
  transition: top 0.3s ease;
}
.skip-link:focus {
  top: 0;
}

/* Focus styles for accessibility */
*:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}
button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 100px 0;
}
.section--alt {
  background: var(--gray-50);
}
.section--dark {
  background: linear-gradient(135deg, var(--dark) 0%, var(--gray-900) 100%);
  color: var(--white);
}

.highlight {
  color: var(--primary);
}
.required {
  color: var(--red);
}
.optional {
  color: var(--gray-400);
  font-size: 0.85em;
}

/* ===========================
   BUTTONS
   =========================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  font-family: var(--font);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: var(--secondary);
  color: var(--white);
  border-color: var(--secondary);
  position: relative;
  overflow: hidden;
}
.btn--primary::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0;
  height: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.2);
  transform: translate(-50%, -50%);
  transition:
    width 0.6s ease,
    height 0.6s ease;
}
.btn--primary:hover::before {
  width: 300px;
  height: 300px;
}
.btn--primary:hover {
  background: var(--secondary-dark);
  border-color: var(--secondary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(var(--secondary-rgb), 0.35);
}
.btn--outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn--outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}
.btn--outline.btn--light {
  color: var(--white);
  border-color: var(--white);
}
.btn--outline.btn--light:hover {
  background: var(--white);
  color: var(--dark);
}
.btn--lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}
.btn--full {
  width: 100%;
  justify-content: center;
}
.btn--nav {
  padding: 9px 20px;
  font-size: 0.85rem;
  background: var(--primary);
  color: var(--white) !important;
  border-color: var(--primary);
  border-radius: 50px;
}
.btn--nav:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(var(--primary-rgb), 0.3);
}
.btn--nav::after {
  display: none !important;
}
.btn--nav-outline {
  padding: 9px 20px;
  font-size: 0.85rem;
  background: transparent;
  color: var(--primary) !important;
  border-color: var(--primary);
  border-radius: 50px;
}
.btn--nav-outline:hover {
  background: var(--primary);
  color: var(--white) !important;
  transform: translateY(-2px);
}

/* ===========================
   TOP PROMO BAR
   =========================== */
.topbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1001;
  background: var(--dark);
  color: var(--white);
  font-size: .82rem;
  font-weight: 500;
  padding: 8px 0;
  transition: transform .35s ease;
}
.topbar__item i { color: var(--secondary); }
.topbar.hidden { transform: translateY(-100%); }
.topbar__inner {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.topbar__item { display: inline-flex; align-items: center; gap: 6px; }
.topbar__item i { font-size: .8rem; }
.topbar__item strong { font-weight: 700; }

@media (max-width: 768px) {
  .topbar { font-size: .72rem; padding: 6px 0; }
  .topbar__inner { justify-content: center; }
  .topbar__item:nth-child(1) { display: none; }
}

/* ===========================
   NAVBAR
   =========================== */
.navbar {
  position: fixed;
  top: 38px;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: top .35s ease, box-shadow var(--transition), background var(--transition);
}
.navbar.scrolled {
  box-shadow: var(--shadow);
  top: 0;
}
.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 28px;
  height: 72px;
}
.navbar__logo {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-right: auto;
  transition: all 0.3s ease;
}
.navbar__logo:hover {
  transform: scale(1.05);
}
.navbar__logo i {
  font-size: 1.6rem;
  animation: heartbeat 2s ease-in-out infinite;
}
.navbar__logo-img {
  height: 44px;
  width: auto;
  border-radius: 6px;
  object-fit: contain;
  transition: transform 0.3s ease;
}
.navbar__logo:hover .navbar__logo-img {
  transform: scale(1.08);
}
.navbar__links {
  display: flex;
  align-items: center;
  gap: 24px;
}
.navbar__links > li {
  white-space: nowrap;
}
.navbar__actions {
  display: flex;
  align-items: center;
  gap: 10px;
}
.navbar__links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-700);
  position: relative;
}
.navbar__links a::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: width 0.3s ease;
}
.navbar__links a:hover::after {
  width: 100%;
}
.navbar__links a:hover {
  color: var(--primary);
}
.navbar__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.navbar__toggle span {
  width: 24px;
  height: 2.5px;
  background: var(--gray-800);
  border-radius: 4px;
  transition: var(--transition);
}

/* ===========================
   HERO
   =========================== */
.hero {
  padding: 140px 0 100px;
  background: linear-gradient(
    135deg,
    var(--primary-light) 0%,
    var(--white) 50%,
    #f0f9ff 100%
  );
  background-size: 200% 200%;
  animation: heroGradientShift 12s ease-in-out infinite;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -20%;
  width: 700px;
  height: 700px;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(var(--primary-rgb), 0.08) 0%,
    transparent 70%
  );
  animation: floatBlob 15s ease-in-out infinite alternate;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(15, 157, 88, 0.06) 0%,
    transparent 70%
  );
  animation: floatBlob 18s ease-in-out infinite alternate-reverse;
}
@keyframes heroGradientShift {
  0%,
  100% {
    background-position: 0% 50%;
  }
  50% {
    background-position: 100% 50%;
  }
}

/* Hero particles */
.hero__particles {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero__particle {
  position: absolute;
  border-radius: 50%;
  background: var(--primary);
  opacity: 0;
  animation: particleFloat linear infinite;
}
@keyframes particleFloat {
  0% {
    transform: translateY(100vh) scale(0);
    opacity: 0;
  }
  10% {
    opacity: 0.15;
  }
  90% {
    opacity: 0.15;
  }
  100% {
    transform: translateY(-20vh) scale(1);
    opacity: 0;
  }
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* === Hero staggered entrance === */
.hero__badge,
.hero__title,
.hero__subtitle,
.hero__actions,
.hero__stats,
.hero__quote {
  opacity: 0;
  transform: translateY(30px);
  animation: heroEntrance 0.8s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}
.hero__badge {
  animation-delay: 0.1s;
}
.hero__title {
  animation-delay: 0.25s;
}
.hero__subtitle {
  animation-delay: 0.4s;
}
.hero__actions {
  animation-delay: 0.55s;
}
.hero__stats {
  animation-delay: 0.7s;
}
.hero__quote {
  animation-delay: 0.3s;
  transform: translateY(30px) scale(0.95);
}

@keyframes heroEntrance {
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

.hero__badge {
  display: inline-block;
  background: var(--secondary);
  color: var(--white);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 20px;
}
.hero__badge.visible-badge {
  animation:
    heroEntrance 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.1s forwards,
    pulseGlow 2.5s ease-in-out 0.9s infinite;
}

.hero__title {
  font-size: 3.2rem;
  line-height: 1.2;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 20px;
}
.hero__title .highlight {
  background: linear-gradient(135deg, var(--primary), var(--secondary), var(--primary));
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: heroTextShimmer 4s linear 1.2s infinite;
}
@keyframes heroTextShimmer {
  to {
    background-position: 200% center;
  }
}
.hero__subtitle {
  font-size: 1.15rem;
  color: var(--gray-600);
  margin-bottom: 32px;
  max-width: 540px;
}

/* Animated CTA button */
.hero__actions {
  display: flex;
  gap: 16px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}
.hero__actions .btn--primary {
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(var(--secondary-rgb), 0.3);
  transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.hero__actions .btn--primary::before {
  content: "";
  position: absolute;
  inset: -2px;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.4) 50%,
    transparent 100%
  );
  transform: translateX(-100%);
  animation: btnSweep 3s ease-in-out 1.5s infinite;
}
@keyframes btnSweep {
  0% {
    transform: translateX(-100%);
  }
  60% {
    transform: translateX(100%);
  }
  100% {
    transform: translateX(100%);
  }
}
.hero__actions .btn--primary:hover {
  transform: translateY(-3px) scale(1.04);
  box-shadow: 0 8px 30px rgba(var(--secondary-rgb), 0.45);
}
.hero__actions .btn--outline:hover {
  transform: translateY(-3px);
}

/* Stats with shimmer */
.hero__stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.hero__stat {
  text-align: center;
  padding: 16px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(8px);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.hero__stat::after {
  content: "";
  position: absolute;
  top: 0;
  left: -100%;
  width: 60%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent,
    rgba(255, 255, 255, 0.6),
    transparent
  );
  animation: statShimmer 3s ease-in-out 2s infinite;
}
@keyframes statShimmer {
  0% {
    left: -100%;
  }
  50% {
    left: 150%;
  }
  100% {
    left: 150%;
  }
}
.hero__stat:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  background: var(--white);
}
.hero__stat strong {
  display: block;
  font-size: 1.6rem;
  color: var(--primary);
  font-variant-numeric: tabular-nums;
  line-height: 1.2;
}
.hero__stat span {
  font-size: 0.8rem;
  color: var(--gray-600);
  line-height: 1.3;
}

/* ===========================
   HERO QUOTE CARD (Star Health style)
   =========================== */
.hero__quote {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 32px;
  position: relative;
  z-index: 2;
  border: 1px solid var(--gray-100);
}
.hero__quote-tabs {
  display: flex;
  gap: 8px;
  background: var(--gray-100);
  padding: 6px;
  border-radius: 50px;
  margin-bottom: 24px;
}
.hero__quote-tab {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 10px;
  border: none;
  background: transparent;
  border-radius: 50px;
  font-family: var(--font);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--gray-600);
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.hero__quote-tab:hover {
  color: var(--primary);
}
.hero__quote-tab.active {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 6px 16px rgba(var(--primary-rgb), 0.25);
}
.hero__quote-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hero__quote-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 6px;
}
.hero__quote-field input {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: var(--font);
  color: var(--dark);
  transition: border-color var(--transition);
}
.hero__quote-field input:focus {
  outline: none;
  border-color: var(--primary);
}
.hero__quote-consent {
  text-align: center;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-top: 16px;
}
.hero__quote-consent i {
  color: var(--green);
  margin-right: 4px;
}

/* ===========================
   SECTION HEADERS
   =========================== */
.section__header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}
.section__tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  animation: fadeInUp 0.6s ease;
}
.section__tag--light {
  background: rgba(255, 255, 255, 0.15);
  color: var(--white);
}
.section__title {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 16px;
  line-height: 1.25;
}
.section__title .highlight {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section--dark .section__title {
  color: var(--white);
}
.section__subtitle {
  font-size: 1.05rem;
  color: var(--gray-600);
}

/* ===========================
   ABOUT / WHY INSURANCE
   =========================== */
.about__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.about__grid--3col {
  display: flex !important;
  flex-wrap: wrap;
  justify-content: center;
}
.about__grid--3col > .about__card {
  flex: 1 1 calc(33.333% - 16px);
  max-width: calc(33.333% - 16px);
  min-width: 280px;
}
.about__card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px 24px;
  transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.about__card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--secondary));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.about__card:hover::before {
  transform: scaleX(1);
}
.about__card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}
.about__icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 20px;
  transition: all 0.4s ease;
}
.about__card:hover .about__icon {
  transform: scale(1.1) rotate(5deg);
  background: var(--primary);
  color: var(--white);
}
.about__card h3 {
  font-size: 1.1rem;
  margin-bottom: 12px;
  color: var(--dark);
}
.about__card p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.65;
}

/* ===========================
   COVERAGE GRID
   =========================== */
.coverage__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  margin-bottom: 40px;
  margin-top: 40px;
}
.coverage__item {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--dark);
  transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  position: relative;
  overflow: hidden;
}
.coverage__item::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: var(--green);
  transform: scaleY(0);
  transition: transform 0.3s ease;
}
.coverage__item:hover::before {
  transform: scaleY(1);
}
.coverage__item:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow);
  transform: translateX(6px);
}
.coverage__item i {
  color: var(--green);
  font-size: 1.15rem;
  flex-shrink: 0;
  transition: transform 0.3s ease;
}
.coverage__item:hover i {
  transform: scale(1.3);
}
.coverage__cta {
  text-align: center;
  margin-top: 36px;
}
.coverage__cta p {
  font-size: 1.05rem;
  color: var(--gray-600);
  margin-bottom: 20px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}
.section--alt .coverage__item {
  background: var(--white);
}

/* Discount Banner */
.discount-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  background: linear-gradient(135deg, var(--primary-light) 0%, #e8f4fd 50%, var(--secondary-light) 100%);
  border: 2px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
  animation: fadeInUp 0.6s ease;
}
.discount-banner::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -10%;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(var(--secondary-rgb), 0.08);
  pointer-events: none;
}
.discount-banner__badge {
  flex-shrink: 0;
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  font-weight: 900;
  font-family: var(--font);
  box-shadow: 0 8px 25px rgba(var(--primary-rgb), 0.3);
  animation: pulseGlow 2.5s ease-in-out infinite;
}
.discount-banner__text strong {
  display: block;
  font-size: 1.15rem;
  color: var(--dark);
  margin-bottom: 6px;
}
.discount-banner__text p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.6;
  margin: 0;
}

/* Contact discount subtitle */
.contact__subtitle-discount {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(var(--secondary-rgb), 0.15);
  color: var(--secondary);
  padding: 10px 20px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 16px;
  border: 1px solid rgba(var(--secondary-rgb), 0.3);
}
.contact__subtitle-discount i {
  font-size: 1.1rem;
}

@media (max-width: 768px) {
  .discount-banner {
    flex-direction: column;
    text-align: center;
    padding: 24px 20px;
    gap: 16px;
  }
  .discount-banner__badge {
    width: 64px;
    height: 64px;
    font-size: 1.3rem;
  }
  .contact__subtitle-discount {
    font-size: 0.85rem;
    padding: 8px 16px;
  }
}

/* Benefits row */
.benefits__row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 20px;
}
.benefit {
  text-align: center;
  padding: 24px;
}
.benefit i {
  font-size: 2rem;
  color: var(--primary);
  margin-bottom: 12px;
}
.benefit h4 {
  font-size: 1rem;
  margin-bottom: 8px;
  color: var(--dark);
}
.benefit p {
  font-size: 0.85rem;
  color: var(--gray-600);
}

/* ===========================
   LIFE INSURANCE
   =========================== */
.life__types {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.life__card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.life__card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--secondary));
  transform: scaleX(0);
  transition: transform 0.4s ease;
}
.life__card:hover::after {
  transform: scaleX(1);
}
.life__card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}
.life__card:hover .life__icon {
  transform: scale(1.1);
}
.life__icon {
  width: 72px;
  height: 72px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
  transition: all 0.4s ease;
}
.life__icon--term {
  background: #ecfdf5;
  color: var(--green);
}
.life__icon--whole {
  background: var(--primary-light);
  color: var(--primary);
}
.life__icon--universal {
  background: #fef3c7;
  color: var(--accent);
}
.life__card h3 {
  font-size: 1.3rem;
  margin-bottom: 12px;
  color: var(--dark);
}
.life__card > p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* Plan chips (pre-existing condition tags) + notes */
.plan__chips {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 16px 0;
}
.plan__chip {
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
  white-space: nowrap;
}
.plan__note {
  font-size: 0.82rem;
  color: var(--gray-600);
  line-height: 1.5;
  border-top: 1px solid var(--gray-200);
  padding-top: 14px;
  margin-top: auto;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.plan__note i {
  color: var(--secondary);
  margin-top: 2px;
  flex-shrink: 0;
}

/* Travel insurance block */
.travel__block {
  margin-top: 56px;
  padding-top: 40px;
  border-top: 2px dashed var(--gray-200);
  text-align: center;
}
.travel__title {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.travel__title i {
  color: var(--secondary);
}
.travel__block > p {
  max-width: 640px;
  margin: 0 auto 28px;
  color: var(--gray-600);
}
.travel__block .coverage__grid {
  max-width: 760px;
  margin: 0 auto;
}

/* Life insurance closing quote */
.life__quote {
  max-width: 760px;
  margin: 48px auto 40px;
  text-align: center;
  font-size: 1.25rem;
  font-style: italic;
  font-weight: 600;
  color: var(--dark);
  line-height: 1.6;
  padding-top: 28px;
  border-top: 3px solid var(--secondary);
}

/* ===========================
   COMPARISON TABLE
   =========================== */
.compare__table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  margin-bottom: 40px;
  -webkit-overflow-scrolling: touch;
}
.compare__table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  table-layout: fixed;
}
.compare__table th,
.compare__table td {
  padding: 16px 24px;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}
.compare__table thead th {
  background: var(--primary);
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
}
.compare__table thead th:first-child {
  border-radius: var(--radius) 0 0 0;
}
.compare__table thead th:last-child {
  border-radius: 0 var(--radius) 0 0;
}
.compare__table tbody tr:hover {
  background: var(--gray-50);
}
.compare__table td {
  font-size: 0.9rem;
}
.compare__table td:first-child {
  font-weight: 600;
  color: var(--dark);
}
.compare__cta {
  text-align: center;
}
.compare__cta p {
  font-size: 1.1rem;
  color: var(--gray-700);
  margin-bottom: 20px;
}

/* ===========================
   HOW IT WORKS
   =========================== */
.process__steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
}
.process__step {
  flex: 0 0 260px;
  text-align: center;
  padding: 32px 24px;
  position: relative;
}
.process__number {
  position: absolute;
  top: 12px;
  right: 20px;
  font-size: 3rem;
  font-weight: 900;
  color: var(--primary-light);
  line-height: 1;
}
.process__icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 20px;
  transition: all 0.4s ease;
  position: relative;
}
.process__icon::after {
  content: "";
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px dashed var(--primary);
  opacity: 0;
  transition: all 0.4s ease;
  animation: spinSlow 12s linear infinite;
}
.process__step:hover .process__icon::after {
  opacity: 0.4;
}
.process__step:hover .process__icon {
  transform: scale(1.1);
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 8px 25px rgba(var(--primary-rgb), 0.3);
}
.process__step h3 {
  font-size: 1.15rem;
  color: var(--dark);
  margin-bottom: 10px;
}
.process__step p {
  font-size: 0.88rem;
  color: var(--gray-600);
}
.process__connector {
  flex: 0 0 60px;
  height: 2px;
  background: var(--gray-300);
  margin-top: 72px;
  position: relative;
}
.process__connector::after {
  content: "";
  position: absolute;
  right: -6px;
  top: -4px;
  border: solid var(--gray-300);
  border-width: 0 2px 2px 0;
  display: inline-block;
  padding: 4px;
  transform: rotate(-45deg);
}

/* ===========================
   TESTIMONIALS
   =========================== */
.testimonials__grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
}
.testimonial__card {
  flex: 1 1 300px;
  max-width: 400px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
  transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  position: relative;
}
.testimonial__card::before {
  content: "\201C";
  position: absolute;
  top: 16px;
  right: 24px;
  font-size: 4rem;
  color: var(--primary-light);
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial__card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-6px);
  border-color: var(--primary-light);
}
.testimonial__stars {
  color: var(--accent);
  margin-bottom: 16px;
  display: flex;
  gap: 2px;
}
.testimonial__text {
  font-size: 0.93rem;
  color: var(--gray-700);
  margin-bottom: 24px;
  line-height: 1.7;
  font-style: italic;
}
.testimonial__author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial__avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.testimonial__author strong {
  display: block;
  font-size: 0.9rem;
  color: var(--dark);
}
.testimonial__author span {
  font-size: 0.78rem;
  color: var(--gray-500);
}

/* ===========================
   FAQ
   =========================== */
.faq__list {
  max-width: 800px;
  margin: 0 auto;
}
.faq__item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--white);
  transition: all 0.3s ease;
}
.faq__item:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-sm);
}
.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  color: var(--dark);
  font-family: var(--font);
  text-align: left;
  gap: 12px;
  transition: background var(--transition);
}
.faq__question:hover {
  background: var(--gray-50);
}
.faq__question i {
  transition: transform var(--transition);
  color: var(--gray-400);
  flex-shrink: 0;
}
.faq__question[aria-expanded="true"] i {
  transform: rotate(180deg);
}
.faq__question[aria-expanded="true"] {
  background: var(--primary-light);
  color: var(--primary);
}
.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.4s ease,
    padding 0.4s ease;
}
.faq__answer.open {
  max-height: 400px;
}
.faq__answer p {
  padding: 0 24px 20px;
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ===========================
   CONTACT / LEAD FORM
   =========================== */
.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.contact__title {
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 16px;
}
.contact__text {
  font-size: 1.05rem;
  color: var(--gray-300);
  margin-bottom: 32px;
  line-height: 1.7;
}
.contact__features {
  display: grid;
  gap: 14px;
  margin-bottom: 32px;
}
.contact__feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
}
.contact__feature i {
  color: var(--green);
}
.contact__direct {
  border-top: 1px solid var(--gray-700);
  padding-top: 24px;
}
.contact__direct p {
  font-size: 0.9rem;
  color: var(--gray-400);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.contact__form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-xl);
  position: relative;
  border: 1px solid transparent;
  transition:
    border-color 0.4s ease,
    box-shadow 0.4s ease;
}
.contact__form:hover {
  border-color: var(--primary-light);
  box-shadow: 0 20px 60px rgba(var(--primary-rgb), 0.15);
}
.form__group {
  margin-bottom: 10px;
}
.form__group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 6px;
}
.form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form__group input,
.form__group select,
.form__group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-family: var(--font);
  transition: border-color var(--transition);
  background: var(--white);
  color: var(--dark);
}
.form__group input:focus,
.form__group select:focus,
.form__group textarea:focus {
  outline: none;
  border-color: var(--primary);
}
.form__group input.error,
.form__group select.error {
  border-color: var(--red);
}
.form__error {
  display: block;
  font-size: 0.78rem;
  color: var(--red);
  margin-top: 4px;
  min-height: 18px;
}
.form__group--checkbox {
  display: flex;
  align-items: flex-start;
}
.form__checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--gray-600);
  cursor: pointer;
  line-height: 1.5;
}
.form__checkbox-label input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  accent-color: var(--primary);
}
.form__link {
  color: var(--primary);
  text-decoration: underline;
}
.form__disclaimer {
  text-align: center;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-top: 12px;
}

.form__success {
  text-align: center;
  padding: 60px 40px;
  animation: fadeInUp 0.5s ease;
}
.form__success i {
  font-size: 4rem;
  color: var(--green);
  margin-bottom: 20px;
}
.form__success h3 {
  font-size: 1.8rem;
  margin-bottom: 12px;
}
.form__success p {
  font-size: 1rem;
  color: var(--gray-300);
  margin-bottom: 28px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* ===========================
   FOOTER
   =========================== */
.footer {
  background: var(--dark);
  color: var(--gray-400);
  padding: 60px 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer__logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 14px;
}
.footer__logo-img {
  height: 40px;
  width: auto;
  border-radius: 5px;
  object-fit: contain;
}
.footer__brand p {
  font-size: 0.88rem;
  line-height: 1.6;
  margin-bottom: 16px;
}
.footer__social {
  display: flex;
  gap: 12px;
}
.footer__social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--gray-800);
  color: var(--gray-400);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}
.footer__social a:hover {
  background: var(--primary);
  color: var(--white);
}
.footer__links h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 16px;
}
.footer__links li {
  margin-bottom: 10px;
  font-size: 0.88rem;
}
.footer__links a:hover {
  color: var(--primary);
}
.footer__links li i {
  margin-right: 6px;
  width: 16px;
}
.footer__bottom {
  border-top: 1px solid var(--gray-800);
  padding: 20px 0;
  text-align: center;
  font-size: 0.82rem;
}

/* ===========================
   BACK TO TOP
   =========================== */
.back-to-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  border: none;
  cursor: pointer;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all var(--transition);
  z-index: 999;
}
.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.back-to-top:hover {
  background: var(--primary-dark);
  transform: translateY(-3px);
}

/* ===========================
   ANIMATIONS
   =========================== */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition:
    opacity 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94),
    transform 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-left {
  opacity: 0;
  transform: translateX(-40px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}
.fade-in-left.visible {
  opacity: 1;
  transform: translateX(0);
}

.fade-in-right {
  opacity: 0;
  transform: translateX(40px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}
.fade-in-right.visible {
  opacity: 1;
  transform: translateX(0);
}

.scale-in {
  opacity: 0;
  transform: scale(0.85);
  transition:
    opacity 0.6s ease,
    transform 0.6s ease;
}
.scale-in.visible {
  opacity: 1;
  transform: scale(1);
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes floatBlob {
  0% {
    transform: translate(0, 0) scale(1);
  }
  50% {
    transform: translate(30px, -40px) scale(1.08);
  }
  100% {
    transform: translate(-20px, 20px) scale(0.95);
  }
}

@keyframes floatCard {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-12px);
  }
}

@keyframes pulseGlow {
  0%,
  100% {
    box-shadow: 0 0 0 0 rgba(var(--secondary-rgb), 0.4);
  }
  50% {
    box-shadow: 0 0 0 10px rgba(var(--secondary-rgb), 0);
  }
}

@keyframes heartbeat {
  0%,
  100% {
    transform: scale(1);
  }
  10% {
    transform: scale(1.15);
  }
  20% {
    transform: scale(1);
  }
  30% {
    transform: scale(1.1);
  }
  40% {
    transform: scale(1);
  }
}

@keyframes spinSlow {
  from {
    transform: rotate(0deg);
  }
  to {
    transform: rotate(360deg);
  }
}

@keyframes shimmer {
  0% {
    background-position: -200% 0;
  }
  100% {
    background-position: 200% 0;
  }
}

/* Active nav link */
.navbar__links a.active {
  color: var(--primary);
}
.navbar__links a.active::after {
  width: 100%;
}

/* Comparison table row highlight */
.compare__table tbody tr {
  transition: all 0.3s ease;
}
.compare__table tbody tr:hover {
  background: var(--primary-light);
  transform: scale(1.01);
}

/* Footer social bounce */
.footer__social a {
  transition: all 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.footer__social a:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-4px);
}

/* Back to top bounce */
.back-to-top.visible {
  animation: fadeInUp 0.4s ease;
}

/* Gradient border for dark section */
.section--dark {
  position: relative;
}
.section--dark::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--primary),
    var(--secondary),
    var(--accent),
    var(--primary)
  );
  background-size: 300% 100%;
  animation: shimmer 4s linear infinite;
}

/* Stagger delay helpers */
.stagger-1 {
  transition-delay: 0.1s !important;
}
.stagger-2 {
  transition-delay: 0.2s !important;
}
.stagger-3 {
  transition-delay: 0.3s !important;
}
.stagger-4 {
  transition-delay: 0.4s !important;
}
.stagger-5 {
  transition-delay: 0.5s !important;
}
.stagger-6 {
  transition-delay: 0.6s !important;
}
.stagger-7 {
  transition-delay: 0.7s !important;
}

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero__quote {
    max-width: 480px;
    margin: 0 auto;
    width: 100%;
  }
  .hero__title {
    font-size: 2.6rem;
  }
  .about__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .about__grid--3col > .about__card {
    flex: 1 1 calc(50% - 12px);
    max-width: calc(50% - 12px);
  }
  .life__types {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin: 0 auto;
  }
  .coverage__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .benefits__row {
    grid-template-columns: repeat(2, 1fr);
  }
  .testimonials__grid {
    max-width: 540px;
    margin: 0 auto;
  }
  .contact__inner {
    grid-template-columns: 1fr;
  }
  .contact__info {
    text-align: center;
  }
  .contact__direct {
    text-align: left;
  }
  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
  .compare__table-wrap {
    margin-left: -24px;
    margin-right: -24px;
    border-radius: 0;
  }
}

@media (max-width: 1100px) {
  .navbar__links {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow-lg);
    transform: translateY(-120%);
    transition: transform 0.35s ease;
    z-index: 999;
  }
  .navbar__links.open {
    transform: translateY(0);
  }
  .navbar__toggle {
    display: flex;
  }
  .navbar__toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
  }
  .navbar__toggle.active span:nth-child(2) {
    opacity: 0;
  }
  .navbar__toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
  }
  .navbar__links a {
    font-size: 1rem;
    padding: 8px 0;
  }
}

@media (max-width: 480px) {
  .btn--nav-outline {
    display: none;
  }
}

@media (max-width: 768px) {
  .section {
    padding: 72px 0;
  }

  .hero {
    padding: 110px 0 60px;
  }
  .hero__title {
    font-size: 2rem;
  }
  .hero__subtitle {
    font-size: 1rem;
  }
  .hero__stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .hero__actions {
    flex-direction: column;
  }
  .hero__actions .btn {
    width: 100%;
    justify-content: center;
  }
  .hero__quote {
    padding: 24px 20px;
  }
  .hero__quote-tab {
    font-size: 0.75rem;
    padding: 10px 6px;
  }
  .hero__quote-tab i {
    display: none;
  }

  .section__header {
    margin-bottom: 40px;
  }
  .section__title {
    font-size: 1.8rem;
  }
  .section__subtitle {
    font-size: 0.95rem;
  }
  .about__grid {
    grid-template-columns: 1fr;
  }
  .about__grid--3col > .about__card {
    flex: 1 1 100%;
    max-width: 100%;
  }

  .coverage__grid {
    grid-template-columns: 1fr;
  }
  .coverage__cta p {
    font-size: 0.95rem;
  }

  .life__types {
    max-width: 100%;
  }
  .life__card {
    padding: 28px 20px;
  }

  .compare__table-wrap {
    margin-left: -16px;
    margin-right: -16px;
  }
  .compare__table {
    min-width: 520px;
    table-layout: auto;
  }
  .compare__table th,
  .compare__table td {
    padding: 12px 14px;
    font-size: 0.82rem;
  }

  .process__steps {
    flex-direction: column;
    align-items: center;
  }
  .process__step {
    flex: 0 0 auto;
    width: 100%;
    max-width: 340px;
  }
  .process__connector {
    width: 2px;
    height: 40px;
    margin: 0;
    flex: 0 0 40px;
  }
  .process__connector::after {
    top: auto;
    bottom: -6px;
    right: 50%;
    transform: rotate(45deg) translateX(50%);
  }

  .testimonials__grid {
    gap: 16px;
  }

  .form__row {
    grid-template-columns: 1fr;
  }
  .contact__title {
    font-size: 1.8rem;
  }
  .contact__direct p {
    flex-wrap: wrap;
  }

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

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .footer__bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
  .footer__legal {
    flex-wrap: wrap;
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 16px;
  }
  .hero {
    padding: 100px 0 48px;
  }
  .hero__title {
    font-size: 1.6rem;
  }
  .hero__subtitle {
    font-size: 0.9rem;
    margin-bottom: 24px;
  }
  .hero__badge {
    font-size: 0.72rem;
    padding: 5px 12px;
  }
  .hero__stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  .hero__stat strong {
    font-size: 1.3rem;
  }
  .hero__stat span {
    font-size: 0.72rem;
  }

  .section {
    padding: 56px 0;
  }
  .section__tag {
    font-size: 0.72rem;
    padding: 5px 12px;
  }
  .section__title {
    font-size: 1.35rem;
  }
  .section__subtitle {
    font-size: 0.88rem;
  }
  .section__header {
    margin-bottom: 32px;
  }

  .about__card {
    padding: 24px 18px;
  }
  .about__icon {
    width: 52px;
    height: 52px;
    font-size: 1.2rem;
  }

  .coverage__item {
    padding: 12px 16px;
    font-size: 0.88rem;
  }

  .life__card {
    padding: 24px 18px;
  }
  .life__icon {
    width: 56px;
    height: 56px;
    font-size: 1.4rem;
  }
  .life__card h3 {
    font-size: 1.1rem;
  }

  .compare__table {
    min-width: 440px;
    table-layout: auto;
  }
  .compare__table th,
  .compare__table td {
    padding: 10px 10px;
    font-size: 0.75rem;
  }
  .compare__cta p {
    font-size: 0.95rem;
  }

  .process__icon {
    width: 64px;
    height: 64px;
    font-size: 1.4rem;
  }
  .process__number {
    font-size: 2.2rem;
  }
  .process__step h3 {
    font-size: 1rem;
  }

  .testimonial__card {
    padding: 24px;
  }
  .testimonial__text {
    font-size: 0.85rem;
  }

  .faq__question {
    padding: 16px 18px;
    font-size: 0.9rem;
  }
  .faq__answer p {
    padding: 0 18px 16px;
    font-size: 0.85rem;
  }

  .contact__form {
    padding: 20px 16px;
    border-radius: var(--radius);
  }
  .contact__title {
    font-size: 1.5rem;
  }
  .contact__text {
    font-size: 0.92rem;
  }
  .contact__feature {
    font-size: 0.88rem;
  }
  .form__group input,
  .form__group select,
  .form__group textarea {
    padding: 10px 14px;
    font-size: 0.85rem;
  }
  .form__group label {
    font-size: 0.8rem;
  }
  .form__checkbox-label {
    font-size: 0.8rem;
  }

  .btn--lg {
    padding: 14px 24px;
    font-size: 0.9rem;
  }
  .btn {
    padding: 10px 20px;
    font-size: 0.88rem;
  }

  .footer {
    padding: 40px 0 0;
  }
  .footer__grid {
    gap: 28px;
  }
  .footer__logo {
    font-size: 1.15rem;
  }
  .footer__links h4 {
    font-size: 0.88rem;
    margin-bottom: 12px;
  }
  .footer__links li {
    font-size: 0.82rem;
  }
  .footer__bottom {
    font-size: 0.75rem;
  }
  .footer__legal {
    gap: 16px;
  }

  .back-to-top {
    width: 42px;
    height: 42px;
    bottom: 20px;
    right: 20px;
    font-size: 1rem;
  }
}

/* Respect reduced-motion preference */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .hero__badge,
  .hero__title,
  .hero__subtitle,
  .hero__actions,
  .hero__stats,
  .hero__quote {
    opacity: 1;
    transform: none;
  }
}