:root {
  --color-bg: #f7f6f1;
  --color-surface: #ffffff;
  --color-primary: #0e1b2b;
  --color-primary-dark: #0b1320;
  --color-accent: #58d6af;
  --color-accent-muted: #9ef5d3;
  --color-accent-2: #d4a64d;
  --color-text: #0f172a;
  --color-muted: #5f6d88;
  --radius-lg: 24px;
  --radius-md: 18px;
  --radius-sm: 12px;
  --shadow-soft: 0 30px 45px rgba(15, 23, 42, 0.08);
  --shadow-card: 0 20px 30px rgba(15, 23, 42, 0.1);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
  background: var(--color-bg);
  color: var(--color-text);
}

.page-shell {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: var(--color-bg);
}

.primary-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: rgba(247, 246, 241, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
}

.logo {
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--color-primary);
  text-decoration: none;
}

.nav-links {
  display: flex;
  justify-content: center;
  gap: 1.5rem;
}

.nav-links a {
  text-decoration: none;
  color: var(--color-text);
  font-weight: 500;
  transition: color 0.3s ease;
}

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

.header-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  justify-content: flex-end;
}

.cta-link {
  padding: 0.65rem 1.4rem;
  border-radius: 999px;
  background: var(--color-primary);
  color: #fff;
  font-weight: 600;
  text-decoration: none;
  box-shadow: var(--shadow-soft);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.cta-link:hover {
  transform: translateY(-2px);
  box-shadow: 0 20px 25px rgba(8, 15, 30, 0.2);
}

.menu-toggle {
  background: transparent;
  border: none;
  width: 42px;
  height: 42px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  cursor: pointer;
}

.menu-toggle {
  display: none;
}

.menu-toggle span {
  display: block;
  height: 3px;
  border-radius: 999px;
  background: var(--color-primary);
  transition: transform 0.3s ease;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  height: 100%;
  width: 280px;
  background: var(--color-surface);
  box-shadow: -20px 0 40px rgba(15, 23, 42, 0.15);
  transform: translateX(100%);
  transition: transform 0.3s ease;
  padding: 4rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.mobile-drawer[data-state="open"] {
  transform: translateX(0);
}

.mobile-drawer a {
  text-decoration: none;
  color: var(--color-primary);
  font-weight: 600;
}

.drawer-cta {
  margin-top: auto;
  background: var(--color-primary);
  color: #fff;
  padding: 0.65rem 1rem;
  border-radius: var(--radius-sm);
  text-align: center;
}

main {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 2rem;
  padding: 1rem 1.5rem 3rem;
}

.section {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-soft);
}

.section-heading {
  max-width: 640px;
}

.section-heading h1,
.section-heading h2,
.section-heading h3 {
  margin-bottom: 0.5rem;
  color: var(--color-primary);
}

.section-heading p {
  color: var(--color-muted);
  line-height: 1.6;
}

.hero {
  position: relative;
  border-radius: var(--radius-lg);
  padding: clamp(2.5rem, 4vw, 4.5rem);
  min-height: 520px;
  overflow: hidden;
  display: flex;
  align-items: center;
  width: calc(100% + 3rem);
  margin: 0 -1.5rem;
  background-image:
    linear-gradient(135deg, rgba(5, 12, 24, 0.85), rgba(5, 12, 24, 0.5)),
    url("../images/Insurance/Financial%20Security.jpg");
  background-size: cover;
  background-position: center;
  color: #fff;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 20% 30%, rgba(255, 255, 255, 0.18), transparent 40%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  max-width: 620px;
  z-index: 1;
}

.hero-small {
  background: transparent;
  box-shadow: none;
  padding: 0;
}

.hero-content h1 {
  font-size: clamp(2.5rem, 5vw, 3.4rem);
  color: #fff;
}

.hero-content .lead {
  color: rgba(255, 255, 255, 0.85);
}

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

.btn {
  border-radius: 999px;
  padding: 0.85rem 1.5rem;
  border: none;
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.btn.primary {
  background: var(--color-primary);
  color: #fff;
}

.btn.secondary {
  border: 1px solid var(--color-primary);
  color: var(--color-primary);
}

.btn:hover {
  transform: translateY(-2px);
}

.hero-ctas .btn.secondary {
  border-color: rgba(255, 255, 255, 0.7);
  color: #fff;
}

.hero-ctas .btn.secondary:hover {
  background: rgba(255, 255, 255, 0.1);
}

.hero-ctas .btn.primary {
  box-shadow: 0 15px 30px rgba(8, 15, 30, 0.35);
}

.trust-row {
  display: flex;
  gap: 1rem;
  margin-top: 1.25rem;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
}

.card-grid {
  display: grid;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

.feature-grid {
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.guide-grid {
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.tool-grid {
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.calculator-grid {
  display: grid;
  gap: 2rem;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.card-image-wrapper {
  width: 100%;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-radius: var(--radius-md);
}

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

.feature-card,
.guide-card,
.tool-card,
.calculator-card {
  background: #fff;
  border-radius: var(--radius-md);
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  box-shadow: var(--shadow-card);
  transition: transform 0.3s ease;
}

.feature-card:hover,
.guide-card:hover,
.tool-card:hover,
.calculator-card:hover {
  transform: translateY(-6px);
}

.feature-card h3,
.guide-card h3,
.tool-card h3,
.calculator-card h3 {
  margin: 0;
  font-size: 1.25rem;
  color: var(--color-primary);
}

.tag {
  font-size: 0.85rem;
  color: var(--color-primary);
  font-weight: 600;
}

.text-link {
  color: var(--color-primary);
  font-weight: 600;
  text-decoration: none;
}

.two-column {
  display: grid;
  gap: 2rem;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  align-items: center;
}

.column-image img {
  width: 100%;
  aspect-ratio: 4 / 3;
  border-radius: var(--radius-lg);
  object-fit: cover;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.check-list li::before {
  content: "•";
  color: var(--color-accent);
  margin-right: 0.5rem;
}

.newsletter {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.newsletter-form {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.newsletter-form input {
  flex: 1;
  min-width: 220px;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid #dfe4ea;
  background: #f5f7fa;
}

.newsletter-form button {
  background: var(--color-accent);
  border: none;
  color: var(--color-primary-dark);
  font-weight: 600;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-sm);
}

.filter-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1rem;
}

.chip {
  border: 1px solid rgba(14, 27, 43, 0.2);
  background: #fff;
  border-radius: 999px;
  padding: 0.45rem 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.3s ease, color 0.3s ease;
}

.chip.active {
  background: var(--color-accent);
  color: var(--color-primary-dark);
  border-color: transparent;
}

.chip:hover {
  border-color: var(--color-accent);
}

.calculator-content form {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.calculator-content label {
  font-size: 0.85rem;
  color: var(--color-muted);
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.calculator-content input,
.calculator-content select,
.calculator-content textarea {
  border-radius: var(--radius-sm);
  border: 1px solid #dfe4ea;
  padding: 0.6rem 0.85rem;
  font-size: 1rem;
}

.calculator-content button {
  border: none;
  background: var(--color-primary);
  color: #fff;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
}

.result-box {
  margin-top: 0.5rem;
  padding: 1rem;
  border-radius: var(--radius-sm);
  background: #f1f4fb;
  border: 1px solid rgba(14, 27, 43, 0.08);
  font-weight: 600;
  color: var(--color-primary);
}

.values-grid {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
}

.values-grid article {
  background: #fff;
  padding: 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
}

.values-grid h3 {
  margin-top: 0;
  color: var(--color-primary);
}

.contact-layout {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
}

.contact-form,
.info-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-card);
}

.contact-form label {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  font-weight: 600;
  color: var(--color-muted);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  padding: 0.75rem;
  border-radius: var(--radius-sm);
  border: 1px solid #dfe4ea;
}

.contact-form button {
  margin-top: 0.5rem;
  border: none;
  border-radius: var(--radius-sm);
  background: var(--color-primary);
  color: #fff;
  padding: 0.85rem;
  font-size: 1rem;
  font-weight: 600;
}

.info-card p {
  margin-bottom: 1rem;
  line-height: 1.6;
}

.site-footer {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  padding: 2.5rem 1.5rem;
  background: var(--color-surface);
  border-top: 1px solid rgba(15, 23, 42, 0.08);
}

.footer-column {
  flex: 1;
  min-width: 220px;
}

.footer-column h3,
.footer-column h4 {
  margin-bottom: 0.75rem;
  color: var(--color-primary);
}

.footer-column ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.footer-column a {
  text-decoration: none;
  color: var(--color-muted);
}

.social-row {
  display: flex;
  gap: 0.5rem;
}

.social-row svg {
  width: 28px;
  height: 28px;
  fill: var(--color-primary);
}

.toast {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  background: var(--color-primary);
  color: #fff;
  padding: 1rem 1.5rem;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-soft);
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
  transition: opacity 0.3s ease, transform 0.3s ease;
}

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

@media (max-width: 1024px) {
  .primary-header {
    grid-template-columns: auto 1fr auto;
  }

  .nav-links {
    display: none;
  }

  .menu-toggle {
    display: flex;
  }
}

@media (max-width: 768px) {
  main {
    padding: 1rem;
  }

  .section {
    padding: 1.5rem;
  }

  .footer-column {
    min-width: 100%;
  }

  .primary-header {
    padding: 0.9rem 1rem;
    grid-template-columns: auto auto auto;
  }

  .cta-link {
    padding: 0.45rem 0.85rem;
    font-size: 0.85rem;
  }
}

@media (max-width: 480px) {
  .hero-ctas {
    flex-direction: column;
    align-items: stretch;
  }

  .newsletter-form {
    flex-direction: column;
  }
}