/* ══════════════════════════════
       HERO
    ══════════════════════════════ */
.hero {
    position: relative;
    overflow: hidden;
    background: var(--black);
    min-height: calc(100vh - var(--nav-h));
    display: flex;
    align-items: center;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 80% 60% at 70% 40%, rgba(155, 13, 35, 0.18) 0%, transparent 70%),
        radial-gradient(ellipse 50% 80% at 10% 80%, rgba(231, 12, 12, 0.08) 0%, transparent 60%);
}

.hero-grid {
    position: absolute;
    inset: 0;
    background-image: linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
    background-size: 48px 48px;
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(231, 12, 12, 0.12);
    border: 1px solid rgba(231, 12, 12, 0.3);
    color: var(--red);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 16px;
    border-radius: 100px;
    margin-bottom: 1.5rem;
}

.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.6rem, 6vw, 5rem);
    font-weight: 800;
    line-height: 1.05;
    color: var(--white);
    letter-spacing: -2px;
}

.hero-title .accent {
    color: var(--red);
    display: block;
}

.hero-subtitle {
    font-size: 1.1rem;
    color: var(--gray-500);
    line-height: 1.7;
    max-width: 480px;
    margin-top: 1.5rem;
}

.hero-actions {
    margin-top: 2.5rem;
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.btn-primary-red {
    background: var(--red);
    color: var(--white);
    border: none;
    font-weight: 600;
    font-size: 0.9rem;
    padding: 0.85rem 2rem;
    border-radius: var(--radius);
    letter-spacing: 0.3px;
    transition: var(--transition);
    box-shadow: var(--shadow-red);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-primary-red:hover {
    background: var(--red-light);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 12px 40px rgba(231, 12, 12, 0.35);
}

.btn-outline-light-custom {
    background: transparent;
    color: var(--white);
    border: 1.5px solid rgba(255, 255, 255, 0.2);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 0.85rem 2rem;
    border-radius: var(--radius);
    letter-spacing: 0.3px;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-outline-light-custom:hover {
    border-color: var(--red);
    color: var(--red);
    background: rgba(231, 12, 12, 0.07);
}

.hero-stat-row {
    margin-top: 3.5rem;
    display: flex;
    gap: 2.5rem;
    flex-wrap: wrap;
}

.hero-stat {}

.hero-stat-val {
    font-size: 2rem;
    font-weight: 800;
    color: var(--white);
    line-height: 1;
}

.hero-stat-val span {
    color: var(--red);
}

.hero-stat-lbl {
    font-size: 0.78rem;
    color: var(--gray-500);
    margin-top: 4px;
    letter-spacing: 0.5px;
}

/* hero image card */
.hero-visual {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.hero-card {
    background: var(--black-2);
    border: 1px solid rgba(255, 255, 255, 0.07);
    border-radius: 12px;
    padding: 1.5rem 1.8rem;
    box-shadow: var(--shadow-lg);
}

.hero-card-main {
    background: linear-gradient(135deg, #1A0A0A 0%, #2A0D10 100%);
    border: 1px solid rgba(155, 13, 35, 0.3);
}

.policy-icon {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: rgba(231, 12, 12, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--red);
    font-size: 1.4rem;
    margin-bottom: 1rem;
}

.policy-title {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
}

.policy-amount {
    font-size: 2rem;
    font-weight: 800;
    color: var(--red);
    margin: 4px 0;
}

.policy-sub {
    font-size: 0.8rem;
    color: var(--gray-500);
}

.progress-bar-custom {
    height: 4px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 4px;
    margin-top: 1rem;
}

.progress-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--red-dark), var(--red));
    border-radius: 4px;
    width: 72%;
}

.mini-card {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.mini-icon {
    width: 40px;
    height: 40px;
    border-radius: 8px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
}

.mini-icon.green {
    background: rgba(34, 197, 94, 0.12);
    color: #22c55e;
}

.mini-icon.red {
    background: rgba(231, 12, 12, 0.12);
    color: var(--red);
}

.mini-label {
    font-size: 0.78rem;
    color: var(--gray-500);
}

.mini-val {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--white);
}

/* floating badges */
.float-badge {
    position: absolute;
    background: var(--red);
    color: var(--white);
    font-size: 0.72rem;
    font-weight: 700;
    padding: 8px 14px;
    border-radius: 100px;
    box-shadow: var(--shadow-red);
    white-space: nowrap;
    animation: float 3s ease-in-out infinite;
}

.float-badge-1 {
    top: -16px;
    right: 20px;
    animation-delay: 0s;
}

.float-badge-2 {
    bottom: 10px;
    left: -10px;
    animation-delay: 1.5s;
}

@keyframes float {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-8px);
    }
}

/* ══════════════════════════════
       TRUSTED BAR
    ══════════════════════════════ */
.trusted-bar {
    background: var(--gray-100);
    padding: 1.4rem 0;
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
}

.trusted-label {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.trusted-logos {
    display: flex;
    align-items: center;
    gap: 2.5rem;
    flex-wrap: wrap;
}

.trusted-logo-item {
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--gray-300);
    letter-spacing: 1px;
    text-transform: uppercase;
    transition: var(--transition);
}

.trusted-logo-item:hover {
    color: var(--red);
}

/* ══════════════════════════════
       SECTION SHARED
    ══════════════════════════════ */
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--red);
    margin-bottom: 1rem;
}

.section-label::before {
    content: '';
    width: 24px;
    height: 2px;
    background: var(--red);
    border-radius: 2px;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 4vw, 2.8rem);
    font-weight: 800;
    line-height: 1.15;
    color: var(--black);
    letter-spacing: -1px;
}

.section-title.light {
    color: var(--white);
}

.section-sub {
    font-size: 1rem;
    color: var(--gray-500);
    line-height: 1.7;
    max-width: 520px;
}

/* ══════════════════════════════
       WHY CHOOSE
    ══════════════════════════════ */
.why-section {
    background: var(--white);
    padding: 100px 0;
}

.feature-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 2rem 1.8rem;
    height: 100%;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--red-dark), var(--red));
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition);
}

.feature-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-6px);
    border-color: rgba(231, 12, 12, 0.2);
}

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

.feature-icon {
    width: 56px;
    height: 56px;
    border-radius: 10px;
    background: rgba(231, 12, 12, 0.07);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: var(--red);
    margin-bottom: 1.2rem;
}

.feature-title {
    font-size: 1rem;
    font-weight: 700;
    color: var(--black);
    margin-bottom: 0.5rem;
}

.feature-desc {
    font-size: 0.88rem;
    color: var(--gray-500);
    line-height: 1.65;
}

/* ══════════════════════════════
       PLANS
    ══════════════════════════════ */
.plans-section {
    background: var(--gray-50);
    padding: 100px 0;
}

.plan-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 2.2rem 2rem;
    height: 100%;
    transition: var(--transition);
    position: relative;
}

.plan-card.featured {
    background: var(--black);
    border-color: var(--red);
    box-shadow: var(--shadow-red);
}

.plan-card:not(.featured):hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.plan-badge {
    position: absolute;
    top: -13px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--red);
    color: var(--white);
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 100px;
}

.plan-name {
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gray-500);
}

.plan-card.featured .plan-name {
    color: rgba(255, 255, 255, 0.5);
}

.plan-price {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--black);
    line-height: 1;
    margin: 0.8rem 0 0.2rem;
}

.plan-card.featured .plan-price {
    color: var(--white);
}

.plan-price sup {
    font-size: 1rem;
    font-weight: 600;
    vertical-align: super;
}

.plan-price span {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--gray-500);
}

.plan-card.featured .plan-price span {
    color: rgba(255, 255, 255, 0.4);
}

.plan-desc {
    font-size: 0.85rem;
    color: var(--gray-500);
    margin-bottom: 1.5rem;
}

.plan-card.featured .plan-desc {
    color: rgba(255, 255, 255, 0.5);
}

.plan-divider {
    border-color: var(--gray-200);
    margin: 1.5rem 0;
}

.plan-card.featured .plan-divider {
    border-color: rgba(255, 255, 255, 0.1);
}

.plan-features {
    list-style: none;
    padding: 0;
    margin-bottom: 2rem;
}

.plan-features li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.87rem;
    color: var(--gray-700);
    margin-bottom: 0.75rem;
}

.plan-card.featured .plan-features li {
    color: rgba(255, 255, 255, 0.8);
}

.plan-features li i {
    color: var(--red);
    flex-shrink: 0;
    margin-top: 2px;
    font-size: 0.9rem;
}

.plan-features li i.muted {
    color: var(--gray-300);
}

.btn-plan {
    display: block;
    width: 100%;
    text-align: center;
    padding: 0.8rem;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 0.88rem;
    transition: var(--transition);
    text-decoration: none;
    letter-spacing: 0.3px;
}

.btn-plan-outline {
    border: 1.5px solid var(--gray-200);
    color: var(--black);
    background: transparent;
}

.btn-plan-outline:hover {
    border-color: var(--red);
    color: var(--red);
    background: rgba(231, 12, 12, 0.04);
}

.btn-plan-red {
    background: var(--red);
    color: var(--white);
    border: none;
    box-shadow: var(--shadow-red);
}

.btn-plan-red:hover {
    background: var(--red-light);
    color: var(--white);
    transform: translateY(-2px);
}

/* ══════════════════════════════
       COVERAGE TYPES
    ══════════════════════════════ */
.coverage-section {
    background: var(--black);
    padding: 100px 0;
}

.coverage-tab-nav {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    margin-bottom: 2.5rem;
}

.cov-tab {
    font-size: 0.82rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    padding: 0.65rem 1.3rem;
    border-radius: var(--radius) var(--radius) 0 0;
    border: 1px solid transparent;
    border-bottom: none;
    cursor: pointer;
    color: var(--gray-500);
    transition: var(--transition);
    background: transparent;
}

.cov-tab.active,
.cov-tab:hover {
    background: rgba(231, 12, 12, 0.1);
    color: var(--red);
    border-color: rgba(231, 12, 12, 0.2);
}

.cov-tab.active {
    color: var(--white);
    background: var(--red);
    border-color: var(--red);
}

.coverage-panel {
    display: none;
}

.coverage-panel.active {
    display: flex;
    align-items: center;
    gap: 2rem;
    flex-wrap: wrap;
}

.coverage-text h3 {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 1rem;
}

.coverage-text p {
    font-size: 0.92rem;
    color: var(--gray-500);
    line-height: 1.7;
}

.coverage-visual {
    background: var(--black-2);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: 10px;
    padding: 1.8rem;
    flex: 1;
    min-width: 240px;
}

.cov-highlight {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 1rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.cov-highlight:last-child {
    border-bottom: none;
}

.cov-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--red);
    flex-shrink: 0;
}

.cov-hl-label {
    font-size: 0.82rem;
    color: var(--gray-500);
}

.cov-hl-val {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--white);
}

.tag-list {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-top: 1.5rem;
}

.tag {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.3px;
    padding: 5px 12px;
    border-radius: 100px;
    border: 1px solid rgba(231, 12, 12, 0.3);
    color: var(--red);
    background: rgba(231, 12, 12, 0.07);
}

/* ══════════════════════════════
       PROCESS
    ══════════════════════════════ */
.process-section {
    background: var(--white);
    padding: 100px 0;
}

.step-line {
    position: relative;
}

.step-line::after {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(50% + 28px);
    right: calc(-50% + 28px);
    height: 1px;
    background: var(--gray-200);
}

.step-num {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    border: 2px solid var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    font-weight: 800;
    color: var(--gray-300);
    margin: 0 auto 1.2rem;
    background: var(--white);
    transition: var(--transition);
    position: relative;
    z-index: 1;
}

.step-wrap:hover .step-num {
    border-color: var(--red);
    color: var(--red);
    background: rgba(231, 12, 12, 0.07);
    box-shadow: var(--shadow-red);
}

.step-wrap.active-step .step-num {
    border-color: var(--red);
    background: var(--red);
    color: var(--white);
    box-shadow: var(--shadow-red);
}

.step-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--black);
    margin-bottom: 0.4rem;
}

.step-desc {
    font-size: 0.82rem;
    color: var(--gray-500);
    line-height: 1.6;
}

/* ══════════════════════════════
       TESTIMONIALS
    ══════════════════════════════ */
.testimonials-section {
    background: var(--black);
    padding: 100px 0;
}

.testi-card {
    background: var(--black-2);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: 10px;
    padding: 2rem;
    height: 100%;
    transition: var(--transition);
}

.testi-card:hover {
    border-color: rgba(231, 12, 12, 0.25);
    box-shadow: var(--shadow-red);
}

.stars {
    color: var(--red);
    font-size: 0.85rem;
    margin-bottom: 1rem;
}

.testi-text {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.7;
    font-style: italic;
    margin-bottom: 1.5rem;
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.9rem;
    color: var(--white);
    flex-shrink: 0;
}

.author-name {
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--white);
}

.author-sub {
    font-size: 0.75rem;
    color: var(--gray-500);
}

/* ══════════════════════════════
       CALCULATOR
    ══════════════════════════════ */
.calculator-section {
    background: var(--white);
    padding: 100px 0;
}

.calc-card {
    background: var(--black);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: 12px;
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
}

.calc-title {
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 0.3rem;
}

.calc-sub {
    font-size: 0.82rem;
    color: var(--gray-500);
    margin-bottom: 2rem;
}

.calc-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gray-300);
    letter-spacing: 0.5px;
    margin-bottom: 0.4rem;
}

.calc-input {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: var(--white);
    border-radius: var(--radius);
    padding: 0.7rem 1rem;
    font-size: 0.88rem;
    width: 100%;
    transition: var(--transition);
    font-family: var(--font-body);
}

.calc-input:focus {
    outline: none;
    border-color: var(--red);
    background: rgba(231, 12, 12, 0.05);
}

.calc-range {
    -webkit-appearance: none;
    width: 100%;
    height: 4px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 4px;
    outline: none;
}

.calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--red);
    cursor: pointer;
    box-shadow: var(--shadow-red);
}

.calc-result {
    background: rgba(231, 12, 12, 0.1);
    border: 1px solid rgba(231, 12, 12, 0.2);
    border-radius: 8px;
    padding: 1.5rem;
    margin-top: 1.5rem;
    text-align: center;
}

.calc-result-label {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.5);
    margin-bottom: 0.3rem;
}

.calc-result-val {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--red);
}

.calc-result-sub {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.4);
    margin-top: 0.2rem;
}

/* ══════════════════════════════
       FAQ
    ══════════════════════════════ */
.faq-section {
    background: var(--gray-50);
    padding: 100px 0;
}

.accordion-item {
    border: 1px solid var(--gray-200) !important;
    border-radius: var(--radius) !important;
    margin-bottom: 0.75rem !important;
    overflow: hidden;
}

.accordion-button {
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--black) !important;
    background: var(--white) !important;
    box-shadow: none !important;
    padding: 1.2rem 1.4rem;
}

.accordion-button::after {
    filter: none !important;
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23e70c0c'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e") !important;
}

.accordion-button:not(.collapsed) {
    color: var(--red) !important;
}

.accordion-body {
    font-size: 0.88rem;
    color: var(--gray-700);
    line-height: 1.7;
    background: var(--white);
}

/* ══════════════════════════════
       CTA BAND
    ══════════════════════════════ */
.cta-section {
    background: linear-gradient(135deg, var(--red-dark) 0%, var(--red) 100%);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.cta-title {
    font-size: clamp(1.8rem, 4vw, 2.8rem);
    font-weight: 800;
    color: var(--white);
    letter-spacing: -1px;
}

.cta-sub {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 460px;
}

.btn-white {
    background: var(--white);
    color: var(--red);
    border: none;
    font-weight: 700;
    font-size: 0.9rem;
    padding: 0.85rem 2rem;
    border-radius: var(--radius);
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-white:hover {
    background: var(--gray-100);
    color: var(--red-dark);
    transform: translateY(-2px);
}

.btn-ghost-white {
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    border: 1.5px solid rgba(255, 255, 255, 0.35);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 0.85rem 2rem;
    border-radius: var(--radius);
    transition: var(--transition);
}

.btn-ghost-white:hover {
    background: rgba(255, 255, 255, 0.2);
    color: var(--white);
}