:root {
  --primary-color: #FF8B38;
  --primary-hover: #FF7420;
  --primary-light: #FFB380;
  --secondary-color: #1E3A5F;
  --dark-blue: #0F2942;
  --text-dark: #1A202C;
  --text-light: #64748B;
  --bg-light: #F8FAFC;
  --bg-cream: #FFF5EE;
  --white: #FFFFFF;
  --border-color: #E2E8F0;
}

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

html {
  scroll-behavior: smooth;
}

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

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

.top-bar {
  background: var(--secondary-color);
  color: var(--white);
  font-size: 14px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  position: sticky;
  top: 0;
  z-index: 1001;
}

.top-bar-content {
  padding: 12px 0;
}

.top-bar-info {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.top-bar-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  text-decoration: none;
  transition: all 0.3s ease;
  opacity: 0.9;
}

.top-bar-item:hover {
  opacity: 1;
  color: var(--primary-color);
}

.top-bar-icon {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

.header {
  background: var(--white);
  padding: 20px 0;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
  position: sticky;
  top: 44px;
  z-index: 1000;
  backdrop-filter: blur(10px);
  transition: all 0.3s ease;
}

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

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 26px;
  font-weight: 800;
  letter-spacing: -0.5px;
}

.logo-icon {
  width: 32px;
  height: 32px;
  stroke: var(--primary-color);
  flex-shrink: 0;
}

.logo span {
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.nav {
  display: flex;
  gap: 35px;
  align-items: center;
}

.nav-link {
  text-decoration: none;
  color: var(--text-dark);
  font-size: 15px;
  font-weight: 500;
  transition: color 0.3s ease;
  position: relative;
}

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

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--primary-color);
}

.mobile-menu-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 5px;
  z-index: 1001;
}

.mobile-menu-btn span {
  width: 25px;
  height: 3px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: all 0.3s ease;
}

.mobile-menu-btn.active span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

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

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

.hero {
  position: relative;
  min-height: 750px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, rgba(30, 58, 95, 0.97), rgba(15, 41, 66, 0.94)),
              url('https://images.pexels.com/photos/1128318/pexels-photo-1128318.jpeg?auto=compress&cs=tinysrgb&w=1260') center/cover no-repeat;
  color: var(--white);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(circle at 30% 50%, rgba(255, 139, 56, 0.2), transparent 60%);
  z-index: 0;
  animation: pulse 8s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.7; }
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 100px;
  background: var(--white);
  clip-path: polygon(0 50%, 100% 0, 100% 100%, 0 100%);
  z-index: 1;
}

.hero-shapes {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}

.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 139, 56, 0.1);
  filter: blur(60px);
  animation: float 20s ease-in-out infinite;
}

.hero-shape-1 {
  width: 400px;
  height: 400px;
  top: -200px;
  right: -100px;
  animation-delay: 0s;
}

.hero-shape-2 {
  width: 300px;
  height: 300px;
  bottom: -150px;
  left: -100px;
  animation-delay: -7s;
}

.hero-shape-3 {
  width: 250px;
  height: 250px;
  top: 50%;
  left: 10%;
  animation-delay: -14s;
}

@keyframes float {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(30px, -30px) scale(1.1); }
  66% { transform: translate(-20px, 20px) scale(0.9); }
}

.hero-content {
  text-align: center;
  position: relative;
  z-index: 2;
  max-width: 900px;
  margin: 0 auto;
  padding: 60px 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 24px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 32px;
  animation: fadeInDown 0.8s ease-out;
}

.hero-badge-icon {
  width: 18px;
  height: 18px;
  color: var(--primary-color);
}

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

.hero-title {
  font-size: 72px;
  font-weight: 800;
  margin-bottom: 28px;
  line-height: 1.1;
  letter-spacing: -2px;
  animation: fadeInUp 0.8s ease-out 0.2s both;
}

.hero-title-line {
  display: block;
}

.hero-title-accent {
  background: linear-gradient(135deg, var(--primary-color), #ffb347);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  position: relative;
}

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

.hero-subtitle {
  font-size: 20px;
  margin-bottom: 48px;
  font-weight: 400;
  line-height: 1.7;
  opacity: 0.95;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  animation: fadeInUp 0.8s ease-out 0.4s both;
}

.hero-actions {
  display: flex;
  gap: 20px;
  justify-content: center;
  margin-bottom: 60px;
  flex-wrap: wrap;
  animation: fadeInUp 0.8s ease-out 0.6s both;
}

.btn-arrow {
  width: 20px;
  height: 20px;
  margin-left: 8px;
  transition: transform 0.3s ease;
}

.btn:hover .btn-arrow {
  transform: translateX(5px);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(10px);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.5);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(255, 255, 255, 0.2);
}

.hero-stats {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  padding: 30px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 20px;
  animation: fadeInUp 0.8s ease-out 0.8s both;
  max-width: 700px;
  margin: 0 auto;
}

.hero-stat {
  text-align: center;
  flex: 1;
}

.hero-stat-number {
  font-size: 32px;
  font-weight: 800;
  margin-bottom: 8px;
  color: var(--primary-color);
  text-shadow: 0 2px 10px rgba(255, 139, 56, 0.3);
}

.hero-stat-label {
  font-size: 13px;
  opacity: 0.85;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 600;
}

.hero-stat-divider {
  width: 1px;
  height: 50px;
  background: linear-gradient(to bottom, transparent, rgba(255, 255, 255, 0.3), transparent);
}

.btn {
  display: inline-block;
  padding: 16px 48px;
  text-decoration: none;
  border-radius: 12px;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  border: 2px solid transparent;
  cursor: pointer;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.btn::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.3), transparent);
  transition: left 0.5s ease;
}

.btn:hover::before {
  left: 100%;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  color: var(--white);
  box-shadow: 0 4px 14px rgba(255, 139, 56, 0.3);
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(255, 139, 56, 0.4);
}

.btn-outline {
  background: transparent;
  color: var(--primary-color);
  border-color: var(--primary-color);
}

.btn-outline:hover {
  background: var(--primary-color);
  color: var(--white);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(255, 139, 56, 0.3);
}

.why-choose {
  padding: 120px 0;
  background: var(--white);
  position: relative;
  overflow: hidden;
}

.why-choose::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255, 139, 56, 0.05), transparent 70%);
  border-radius: 50%;
}

.section-header {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 80px;
}

.section-badge {
  display: inline-block;
  padding: 10px 24px;
  background: linear-gradient(135deg, rgba(255, 139, 56, 0.1), rgba(255, 139, 56, 0.15));
  color: var(--primary-color);
  border-radius: 30px;
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 20px;
  border: 1px solid rgba(255, 139, 56, 0.2);
}

.section-title {
  font-size: 48px;
  font-weight: 800;
  text-align: center;
  margin-bottom: 20px;
  color: var(--text-dark);
  letter-spacing: -1.5px;
  line-height: 1.15;
}

.section-subtitle {
  font-size: 18px;
  color: var(--text-light);
  line-height: 1.7;
  text-align: center;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 35px;
}

.feature-card {
  text-align: center;
  background: var(--white);
  padding: 45px 35px;
  border-radius: 24px;
  transition: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
  border: 2px solid var(--border-color);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: attr(data-number);
  position: absolute;
  top: 25px;
  right: 25px;
  font-size: 72px;
  font-weight: 800;
  color: var(--primary-color);
  opacity: 0.05;
  line-height: 1;
  transition: all 0.4s ease;
}

.feature-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--primary-color), var(--primary-light));
  opacity: 0;
  transition: opacity 0.4s ease;
}

.feature-card:hover::before {
  opacity: 0.12;
  transform: scale(1.1);
}

.feature-card:hover::after {
  opacity: 1;
}

.feature-card:hover {
  transform: translateY(-12px);
  box-shadow: 0 25px 50px rgba(255, 139, 56, 0.2);
  border-color: var(--primary-color);
}

.feature-icon-wrapper {
  width: 80px;
  height: 80px;
  margin: 0 auto 30px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(255, 139, 56, 0.3);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  z-index: 2;
}

.feature-card:hover .feature-icon-wrapper {
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 12px 32px rgba(255, 139, 56, 0.4);
}

.feature-icon {
  width: 40px;
  height: 40px;
  color: var(--white);
  transition: transform 0.4s ease;
}

.feature-card:hover .feature-icon {
  transform: scale(1.1);
}

.feature-image {
  width: 100%;
  height: 220px;
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 28px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
  position: relative;
}

.feature-image::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(0, 0, 0, 0.3));
  opacity: 0;
  transition: opacity 0.4s ease;
  z-index: 1;
}

.feature-card:hover .feature-image::before {
  opacity: 1;
}

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

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

.feature-title {
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text-dark);
  position: relative;
  z-index: 2;
}

.feature-text {
  color: var(--text-light);
  font-size: 16px;
  line-height: 1.8;
  position: relative;
  z-index: 2;
}

.about-section {
  padding: 120px 0;
  background: var(--white);
  position: relative;
}

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

.about-content {
  position: relative;
}

.about-label,
.section-label,
.cta-label {
  display: inline-block;
  color: var(--white);
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  padding: 8px 20px;
  border-radius: 30px;
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 20px;
  box-shadow: 0 4px 12px rgba(255, 139, 56, 0.3);
}

.about-title {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 28px;
  line-height: 1.2;
  color: var(--text-dark);
  letter-spacing: -0.5px;
}

.about-text {
  color: var(--text-light);
  font-size: 17px;
  line-height: 1.9;
  margin-bottom: 35px;
}

.about-image {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
  position: relative;
}

.about-image::before {
  content: '';
  position: absolute;
  inset: 0;
  border: 3px solid var(--primary-color);
  border-radius: 24px;
  opacity: 0;
  transition: opacity 0.3s ease;
  pointer-events: none;
}

.about-image:hover::before {
  opacity: 0.3;
}

.about-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.about-image:hover img {
  transform: scale(1.03);
}

.insurance-types {
  padding: 120px 0;
  background: var(--bg-light);
  position: relative;
}

.insurance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 35px;
  margin-top: 70px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}

.insurance-card {
  display: flex;
  gap: 0;
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  min-height: 280px;
  border: 2px solid transparent;
  position: relative;
}

.insurance-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
  opacity: 0;
  transition: opacity 0.3s ease;
  z-index: 0;
}

.insurance-card:hover::before {
  opacity: 0.03;
}

.insurance-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.12);
  border-color: var(--primary-light);
}

.insurance-image {
  width: 42%;
  object-fit: cover;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.insurance-content {
  padding: 45px;
  text-align: left;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  z-index: 1;
}

.insurance-title {
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text-dark);
}

.insurance-text {
  color: var(--text-light);
  font-size: 15px;
  line-height: 1.8;
  margin-bottom: 24px;
}

.link-arrow {
  color: var(--primary-color);
  font-weight: 600;
  text-decoration: none;
  font-size: 15px;
  transition: all 0.3s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.link-arrow::after {
  content: '→';
  transition: transform 0.3s ease;
}

.link-arrow:hover {
  gap: 12px;
}

.link-arrow:hover::after {
  transform: translateX(5px);
}

.life-insurance-cta {
  padding: 120px 0;
  background: linear-gradient(135deg, var(--dark-blue), var(--secondary-color));
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.life-insurance-cta::before {
  content: '';
  position: absolute;
  bottom: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255, 139, 56, 0.15), transparent 60%);
  border-radius: 50%;
}

.life-insurance-cta::after {
  content: '';
  position: absolute;
  top: -150px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(255, 139, 56, 0.08), transparent 60%);
  border-radius: 50%;
}

.cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.cta-label {
  color: var(--white);
}

.cta-title {
  font-size: 38px;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 28px;
  letter-spacing: -0.5px;
}

.cta-image {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.4);
  border: 3px solid rgba(255, 139, 56, 0.2);
  transition: all 0.4s ease;
}

.cta-image:hover {
  transform: scale(1.02);
  box-shadow: 0 35px 80px rgba(0, 0, 0, 0.5);
}

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

.testimonials {
  padding: 120px 0;
  background: var(--bg-cream);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 35px;
  align-items: start;
}

.testimonial-card {
  background: var(--white);
  padding: 35px;
  border-radius: 20px;
  text-align: center;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.06);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border: 2px solid transparent;
  position: relative;
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 20px;
  right: 25px;
  font-size: 80px;
  line-height: 1;
  color: var(--primary-light);
  opacity: 0.2;
  font-family: Georgia, serif;
}

.testimonial-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.12);
  border-color: var(--primary-light);
}

.testimonial-featured {
  transform: scale(1.05);
  box-shadow: 0 20px 50px rgba(255, 139, 56, 0.2);
  border-color: var(--primary-color);
}

.testimonial-featured:hover {
  transform: scale(1.05) translateY(-8px);
  box-shadow: 0 25px 60px rgba(255, 139, 56, 0.25);
}

.testimonial-image {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 20px;
  border: 3px solid var(--primary-light);
  box-shadow: 0 4px 12px rgba(255, 139, 56, 0.2);
}

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

.testimonial-name {
  font-weight: 700;
  color: var(--primary-color);
  margin-bottom: 14px;
  font-size: 17px;
}

.testimonial-text {
  color: var(--text-light);
  font-size: 15px;
  line-height: 1.8;
}

.final-cta {
  padding: 0;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.final-cta::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.1), transparent 60%);
  border-radius: 50%;
}

.final-cta::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -150px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.08), transparent 60%);
  border-radius: 50%;
}

.final-cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding: 120px 0;
  position: relative;
  z-index: 1;
}

.final-cta-title {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 24px;
  line-height: 1.2;
  letter-spacing: -0.5px;
}

.final-cta-text {
  font-size: 18px;
  margin-bottom: 35px;
  line-height: 1.7;
  opacity: 0.95;
}

.final-cta .btn-primary {
  background: var(--white);
  color: var(--primary-color);
  border-color: var(--white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

.final-cta .btn-primary:hover {
  background: var(--secondary-color);
  color: var(--white);
  border-color: var(--secondary-color);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);
}

.final-cta-image {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.4);
  border: 4px solid rgba(255, 255, 255, 0.3);
  transition: all 0.4s ease;
}

.final-cta-image:hover {
  transform: scale(1.02) rotate(-1deg);
  box-shadow: 0 35px 80px rgba(0, 0, 0, 0.5);
}

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

.footer {
  background: linear-gradient(135deg, var(--secondary-color), var(--dark-blue));
  color: var(--white);
  padding: 80px 0 30px;
  position: relative;
}

.footer-content {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 40px;
  margin-bottom: 40px;
}

.footer-title {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--white);
}

.footer-links {
  list-style: none;
}

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

.footer-links a {
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  font-size: 14px;
  transition: color 0.3s ease;
}

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

.newsletter-form {
  display: flex;
  gap: 10px;
  flex-direction: column;
}

.newsletter-form input {
  padding: 12px 16px;
  border: none;
  border-radius: 25px;
  font-size: 14px;
  outline: none;
}

.newsletter-form button {
  padding: 12px 30px;
  border: none;
  font-size: 14px;
  align-self: flex-start;
}

.footer-bottom {
  text-align: center;
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
}

.toast {
  position: fixed;
  bottom: 30px;
  right: 30px;
  background: var(--secondary-color);
  color: var(--white);
  padding: 16px 24px;
  border-radius: 8px;
  box-shadow: 0 5px 20px rgba(0, 0, 0, 0.3);
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s ease;
  z-index: 10000;
  max-width: 350px;
}

.toast.show {
  transform: translateY(0);
  opacity: 1;
}

.toast.success {
  background: #10B981;
}

.toast.error {
  background: #EF4444;
}

.page-hero {
  padding: 120px 0 80px;
  background: linear-gradient(135deg, var(--secondary-color), var(--dark-blue));
  color: var(--white);
  text-align: center;
}

.page-title {
  font-size: 48px;
  font-weight: 700;
  margin-bottom: 20px;
}

.page-subtitle {
  font-size: 20px;
  opacity: 0.9;
  max-width: 700px;
  margin: 0 auto;
}

.content-section {
  padding: 80px 0;
}

.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  margin-bottom: 80px;
}

.content-grid:nth-child(even) {
  direction: rtl;
}

.content-grid:nth-child(even) > * {
  direction: ltr;
}

.content-text h2 {
  font-size: 32px;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text-dark);
}

.content-text p {
  color: var(--text-light);
  font-size: 16px;
  line-height: 1.8;
  margin-bottom: 15px;
}

.content-text ul {
  margin: 20px 0;
  padding-left: 20px;
}

.content-text li {
  color: var(--text-light);
  margin-bottom: 10px;
  line-height: 1.7;
}

.content-image {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.content-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

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

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

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

.contact-info p {
  color: var(--text-light);
  font-size: 16px;
  line-height: 1.8;
  margin-bottom: 30px;
}

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

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

.contact-icon {
  width: 50px;
  height: 50px;
  background: var(--primary-color);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 20px;
  flex-shrink: 0;
}

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

.contact-item-text p {
  font-size: 14px;
  color: var(--text-light);
  margin: 0;
}

.contact-form {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
}

.form-group {
  margin-bottom: 25px;
}

.form-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 600;
  color: var(--text-dark);
  font-size: 14px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--border-color);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  transition: border-color 0.3s ease;
  outline: none;
}

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

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

.form-group button {
  width: 100%;
  border: none;
}

.legal-content {
  padding: 80px 0;
  max-width: 900px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 28px;
  font-weight: 700;
  margin: 40px 0 20px;
  color: var(--text-dark);
}

.legal-content h3 {
  font-size: 22px;
  font-weight: 700;
  margin: 30px 0 15px;
  color: var(--text-dark);
}

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

.legal-content ul {
  margin: 20px 0 20px 30px;
}

.legal-content li {
  color: var(--text-light);
  margin-bottom: 10px;
  line-height: 1.7;
}

@media (max-width: 968px) {
  .top-bar-info {
    gap: 20px;
  }

  .top-bar-item span {
    font-size: 13px;
  }

  .top-bar-item:last-child {
    display: none;
  }

  .nav {
    position: fixed;
    top: 88px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    z-index: 1000;
  }

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

  .mobile-menu-btn {
    display: flex;
  }

  .hero {
    min-height: 650px;
  }

  .hero-title {
    font-size: 48px;
  }

  .hero-subtitle {
    font-size: 18px;
  }

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

  .hero-actions .btn {
    width: 100%;
  }

  .hero-stats {
    flex-direction: column;
    gap: 25px;
  }

  .hero-stat-divider {
    width: 60%;
    height: 1px;
    background: linear-gradient(to right, transparent, rgba(255, 255, 255, 0.3), transparent);
  }

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

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

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

  .about-grid,
  .cta-grid,
  .final-cta-grid,
  .contact-grid,
  .content-grid {
    grid-template-columns: 1fr;
  }

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

  .insurance-card {
    flex-direction: column;
  }

  .insurance-image {
    width: 100%;
    height: 200px;
  }

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

  .testimonial-featured {
    transform: scale(1);
  }

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

.insurance-intro {
  padding: 100px 0;
  background: var(--bg-light);
}

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

.intro-badge {
  display: inline-block;
  padding: 8px 20px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  color: var(--white);
  border-radius: 30px;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 24px;
  box-shadow: 0 4px 12px rgba(255, 139, 56, 0.3);
}

.intro-content h2 {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 24px;
  line-height: 1.2;
  color: var(--text-dark);
  letter-spacing: -0.5px;
}

.intro-content p {
  font-size: 17px;
  line-height: 1.8;
  color: var(--text-light);
  margin-bottom: 40px;
}

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

.intro-stat {
  text-align: center;
  padding: 24px;
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s ease;
}

.intro-stat:hover {
  transform: translateY(-5px);
}

.stat-number {
  font-size: 32px;
  font-weight: 800;
  color: var(--primary-color);
  margin-bottom: 8px;
}

.stat-label {
  font-size: 13px;
  color: var(--text-light);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.intro-image {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
}

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

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

.insurance-types-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  margin-top: 60px;
}

.type-card {
  background: var(--white);
  border: 2px solid var(--border-color);
  border-radius: 20px;
  padding: 40px;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
}

.type-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color), var(--primary-light));
  opacity: 0;
  transition: opacity 0.3s ease;
}

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

.type-card.featured {
  border-color: var(--primary-color);
  box-shadow: 0 20px 50px rgba(255, 139, 56, 0.2);
  transform: scale(1.02);
}

.type-card.featured::before {
  opacity: 1;
}

.type-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.12);
  border-color: var(--primary-color);
}

.popular-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--primary-color);
  color: var(--white);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.type-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--white);
}

.type-icon svg {
  width: 32px;
  height: 32px;
}

.type-card h3 {
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text-dark);
}

.type-card p {
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 24px;
}

.type-benefits {
  list-style: none;
  margin: 24px 0;
  padding: 0;
}

.type-benefits li {
  padding: 10px 0;
  padding-left: 28px;
  position: relative;
  color: var(--text-dark);
  font-size: 15px;
}

.type-benefits li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--primary-color);
  font-weight: 700;
  font-size: 18px;
}

.type-price {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 2px solid var(--border-color);
  font-size: 20px;
  font-weight: 700;
  color: var(--primary-color);
}

.why-life-insurance {
  padding: 100px 0;
  background: var(--bg-light);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 60px;
}

.benefit-card {
  background: var(--white);
  padding: 35px;
  border-radius: 20px;
  border: 2px solid var(--border-color);
  transition: all 0.4s ease;
  text-align: center;
}

.benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(255, 139, 56, 0.15);
  border-color: var(--primary-color);
}

.benefit-icon {
  width: 70px;
  height: 70px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  color: var(--white);
}

.benefit-icon svg {
  width: 36px;
  height: 36px;
}

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

.benefit-card p {
  color: var(--text-light);
  line-height: 1.7;
  font-size: 15px;
}

.life-features {
  padding: 100px 0;
  background: var(--white);
}

.features-showcase {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 60px;
}

.showcase-card {
  background: var(--bg-light);
  padding: 40px;
  border-radius: 20px;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
  border: 2px solid transparent;
}

.showcase-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 5px;
  height: 100%;
  background: var(--primary-color);
  opacity: 0;
  transition: opacity 0.3s ease;
}

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

.showcase-card:hover {
  background: var(--white);
  transform: translateX(8px);
  border-color: var(--border-color);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
}

.showcase-number {
  font-size: 48px;
  font-weight: 800;
  color: var(--primary-color);
  opacity: 0.2;
  margin-bottom: 16px;
  line-height: 1;
}

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

.showcase-card p {
  color: var(--text-light);
  line-height: 1.7;
  font-size: 15px;
}

.health-plans {
  padding: 100px 0;
  background: var(--bg-light);
}

.plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 60px;
}

.plan-card {
  background: var(--white);
  border-radius: 24px;
  overflow: hidden;
  border: 2px solid var(--border-color);
  transition: all 0.4s ease;
  position: relative;
}

.plan-card:hover {
  transform: translateY(-12px);
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.15);
  border-color: var(--primary-color);
}

.featured-plan {
  border-color: var(--primary-color);
  box-shadow: 0 20px 50px rgba(255, 139, 56, 0.2);
  transform: scale(1.05);
}

.featured-plan:hover {
  transform: scale(1.05) translateY(-12px);
  box-shadow: 0 30px 70px rgba(255, 139, 56, 0.25);
}

.plan-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--primary-color);
  color: var(--white);
  padding: 8px 18px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  z-index: 1;
}

.plan-header {
  padding: 40px;
  text-align: center;
  background: linear-gradient(180deg, var(--bg-light), var(--white));
  border-bottom: 2px solid var(--border-color);
}

.plan-header h3 {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 16px;
  color: var(--text-dark);
}

.plan-price {
  margin: 20px 0;
}

.price-amount {
  font-size: 48px;
  font-weight: 800;
  color: var(--primary-color);
}

.price-period {
  font-size: 18px;
  color: var(--text-light);
  font-weight: 600;
}

.plan-description {
  color: var(--text-light);
  font-size: 15px;
  margin-top: 12px;
}

.plan-features {
  padding: 40px;
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border-color);
}

.feature-item:last-child {
  border-bottom: none;
}

.check-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  stroke: var(--primary-color);
}

.feature-item span {
  color: var(--text-dark);
  font-size: 15px;
  line-height: 1.6;
}

.plan-btn {
  display: block;
  margin: 0 40px 40px;
  padding: 16px;
  text-align: center;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  color: var(--white);
  text-decoration: none;
  border-radius: 12px;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s ease;
  box-shadow: 0 4px 14px rgba(255, 139, 56, 0.3);
}

.plan-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255, 139, 56, 0.4);
}

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

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  margin-top: 60px;
}

.coverage-card {
  background: var(--bg-light);
  padding: 32px;
  border-radius: 20px;
  text-align: center;
  transition: all 0.4s ease;
  border: 2px solid transparent;
}

.coverage-card:hover {
  background: var(--white);
  transform: translateY(-8px);
  border-color: var(--primary-color);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
}

.coverage-icon {
  width: 60px;
  height: 60px;
  background: var(--white);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary-color);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.coverage-card:hover .coverage-icon {
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  color: var(--white);
  transform: scale(1.1);
}

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

.coverage-card h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text-dark);
}

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

.health-benefits {
  padding: 100px 0;
  background: var(--bg-light);
}

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

.benefits-text h2 {
  font-size: 38px;
  font-weight: 800;
  margin-bottom: 40px;
  line-height: 1.2;
  color: var(--text-dark);
  letter-spacing: -0.5px;
}

.benefits-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.benefit-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.benefit-icon-small {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--white);
}

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

.benefit-item h4 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--text-dark);
}

.benefit-item p {
  color: var(--text-light);
  font-size: 15px;
  line-height: 1.6;
}

.benefits-image {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
}

.benefits-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

@media (max-width: 968px) {
  .intro-grid,
  .benefits-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .intro-stats {
    grid-template-columns: repeat(3, 1fr);
    gap: 15px;
  }

  .insurance-types-grid {
    grid-template-columns: 1fr;
  }

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

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

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

  .featured-plan {
    transform: scale(1);
  }

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

  .benefits-image {
    order: -1;
  }
}

@media (max-width: 640px) {
  .hero {
    min-height: 600px;
  }

  .hero-content {
    padding: 40px 0;
  }

  .hero-badge {
    font-size: 12px;
    padding: 8px 18px;
  }

  .hero-badge-icon {
    width: 16px;
    height: 16px;
  }

  .hero-title {
    font-size: 36px;
    letter-spacing: -1px;
  }

  .hero-subtitle {
    font-size: 16px;
    margin-bottom: 36px;
  }

  .hero-stats {
    padding: 24px;
    gap: 20px;
  }

  .hero-stat-number {
    font-size: 28px;
  }

  .hero-stat-label {
    font-size: 11px;
  }

  .section-title {
    font-size: 28px;
  }

  .section-subtitle {
    font-size: 15px;
  }

  .section-badge {
    font-size: 12px;
    padding: 8px 18px;
  }

  .feature-card::before {
    font-size: 56px;
  }

  .feature-icon-wrapper {
    width: 70px;
    height: 70px;
  }

  .feature-icon {
    width: 35px;
    height: 35px;
  }

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

  .btn {
    padding: 12px 30px;
    font-size: 14px;
  }

  .intro-content h2 {
    font-size: 32px;
  }

  .intro-stats {
    grid-template-columns: 1fr;
  }

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

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

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

  .benefits-text h2 {
    font-size: 28px;
  }
}