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

:root {
  --primary-yellow: #FFC700;
  --dark-yellow: #E6B300;
  --light-gray: #F5F5F5;
  --medium-gray: #999999;
  --dark-gray: #333333;
  --white: #FFFFFF;
  --text-dark: #1A1A1A;
  --border-color: #E0E0E0;
  --error-red: #DC2626;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  line-height: 1.6;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden;
}

/* Loading mechanism styles */
.dynamic-content {
    opacity: 0;
    transition: opacity 0.4s ease-in-out;
}
.dynamic-content.loaded {
    opacity: 1;
}

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

.top-banner {
  background: var(--light-gray);
  padding: 12px 0;
  border-bottom: 1px solid var(--border-color);
}

.banner-content {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}

.banner-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text-dark);
  text-decoration: none;
  font-size: 14px;
  transition: color 0.3s ease;
}

.banner-item:hover {
  color: var(--primary-yellow);
}

.banner-item svg {
  flex-shrink: 0;
}

.header {
  background: var(--white);
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: all 0.3s ease;
}

.header.scrolled {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

.navbar {
  padding: 0;
}

.nav-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
}

.logo {
  text-decoration: none;
  font-size: 24px;
  font-weight: 700;
  color: var(--text-dark);
}

.logo-text {
  color: var(--text-dark);
}

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

.mobile-menu-toggle span {
  width: 25px;
  height: 3px;
  background: var(--text-dark);
  margin: 3px 0;
  transition: 0.3s;
}

.nav-items {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 30px;
}

.nav-menu a {
  text-decoration: none;
  color: var(--text-dark);
  font-weight: 500;
  transition: color 0.3s ease;
  padding: 8px 0;
  position: relative;
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--primary-yellow);
}

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

.btn-nav-cta {
  background: var(--primary-yellow);
  color: var(--text-dark);
  padding: 12px 24px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  transition: background 0.3s ease, transform 0.2s ease;
  white-space: nowrap;
}

.btn-nav-cta:hover {
  background: var(--dark-yellow);
  transform: translateY(-2px);
}

.hero {
  min-height: 700px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  padding: 120px 0 80px;
}

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

.hero-background img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(255, 199, 0, 0.92) 0%, rgba(230, 179, 0, 0.88) 100%);
  z-index: 1;
}

.hero-overlay::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 70%);
  border-radius: 50%;
  animation: float 8s ease-in-out infinite;
}

.hero-overlay::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
  border-radius: 50%;
  animation: float 10s ease-in-out infinite reverse;
}

@keyframes float {
  0%, 100% {
    transform: translateY(0) scale(1);
  }
  50% {
    transform: translateY(-30px) scale(1.1);
  }
}

.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
}

.hero-text-center {
  max-width: 900px;
  margin: 0 auto;
}

.hero-text-center h1 {
  font-size: 64px;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 28px;
  color: var(--text-dark);
  opacity: 0;
  animation: fadeInUp 0.8s ease 0.2s forwards;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}

.hero-text-center p {
  font-size: 20px;
  color: var(--dark-gray);
  margin-bottom: 40px;
  line-height: 1.6;
  opacity: 0;
  animation: fadeInUp 0.8s ease 0.4s forwards;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.hero-buttons {
  display: flex;
  gap: 20px;
  justify-content: center;
  align-items: center;
  opacity: 0;
  animation: fadeInUp 0.8s ease 0.6s forwards;
}

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

.btn-primary {
  display: inline-block;
  background: var(--text-dark);
  color: var(--white);
  padding: 18px 40px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  border: none;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.3);
}

.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: #000;
  transform: translateY(-3px);
  box-shadow: 0 6px 25px rgba(0, 0, 0, 0.4);
}

.btn-secondary {
  display: inline-block;
  background: transparent;
  color: var(--text-dark);
  padding: 18px 40px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  border: 2px solid var(--text-dark);
  cursor: pointer;
}

.btn-secondary:hover {
  background: var(--text-dark);
  color: var(--white);
  transform: translateY(-3px);
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.3);
}

.features-section {
  padding: 80px 0;
  background: var(--white);
  position: relative;
}

.features-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 20px;
  color: var(--text-dark);
  position: relative;
}

.features-section h2::after {
  content: '';
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  border-radius: 2px;
}

.features-grid {
  margin-top: 60px;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.feature-card {
  text-align: center;
  padding: 30px;
  border-radius: 12px;
  background: var(--white);
  border: 2px solid var(--border-color);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  opacity: 0;
  transform: translateY(30px);
}

.feature-card.animate {
  opacity: 1;
  transform: translateY(0);
}

.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(255, 199, 0, 0.2);
  border-color: var(--primary-yellow);
}

.feature-icon {
  width: 80px;
  height: 80px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.feature-card:hover .feature-icon {
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 6px 25px rgba(255, 199, 0, 0.4);
}

.feature-icon svg {
  color: var(--text-dark);
  transition: transform 0.3s ease;
}

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

.feature-card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.feature-card p {
  color: var(--dark-gray);
  line-height: 1.6;
}

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

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

.info-text {
  opacity: 0;
  transform: translateX(30px);
  transition: all 0.6s ease;
}

.info-text.animate {
  opacity: 1;
  transform: translateX(0);
}

.info-text h2 {
  font-size: 36px;
  margin-bottom: 24px;
  color: var(--text-dark);
}

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

.info-image {
  opacity: 0;
  transform: translateX(-30px);
  transition: all 0.6s ease;
}

.info-image.animate {
  opacity: 1;
  transform: translateX(0);
}

.info-image img {
  width: 100%;
  border-radius: 12px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
  transition: transform 0.4s ease;
}

.info-image img:hover {
  transform: scale(1.02);
}

.stats-section {
  padding: 80px 0;
  background: var(--primary-yellow);
}

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

.stat-item {
  opacity: 0;
  transform: scale(0.8);
  transition: all 0.4s ease;
}

.stat-item.animate {
  opacity: 1;
  transform: scale(1);
}

.stat-item h3 {
  font-size: 48px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
  transition: transform 0.3s ease;
}

.stat-item:hover h3 {
  transform: scale(1.1);
}

.stat-item p {
  font-size: 16px;
  color: var(--dark-gray);
}

.service-detail {
  padding: 80px 0;
  background: var(--white);
}

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

.detail-image img {
  width: 100%;
  border-radius: 12px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.detail-content h2 {
  font-size: 36px;
  margin-bottom: 24px;
  color: var(--text-dark);
}

.detail-content p {
  color: var(--dark-gray);
  margin-bottom: 20px;
  line-height: 1.8;
}

.coverage-benefits {
  padding: 80px 0;
  background: var(--light-gray);
}

.coverage-benefits h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 60px;
  color: var(--text-dark);
}

.benefits-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.benefit-box {
  background: var(--white);
  padding: 30px;
  border-radius: 12px;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.benefit-box:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.benefit-icon {
  width: 60px;
  height: 60px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

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

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

.benefit-box p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.plan-types {
  padding: 80px 0;
  background: var(--white);
}

.plan-types h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 20px;
  color: var(--text-dark);
  position: relative;
}

.plan-types h2::after {
  content: '';
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  border-radius: 2px;
}

.plans-grid {
  margin-top: 60px;
}

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

.plan-card {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  border: 2px solid var(--border-color);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
  opacity: 0;
  transform: translateY(30px);
}

.plan-card.animate {
  opacity: 1;
  transform: translateY(0);
}

.plan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

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

.plan-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(255, 199, 0, 0.2);
  border-color: var(--primary-yellow);
}

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

.plan-card p {
  color: var(--dark-gray);
  line-height: 1.6;
  margin-bottom: 20px;
}

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

.process-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 20px;
  color: var(--text-dark);
  position: relative;
}

.process-section h2::after {
  content: '';
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  border-radius: 2px;
}

.process-steps {
  margin-top: 60px;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.process-step {
  text-align: center;
  padding: 30px 20px;
  background: var(--white);
  border-radius: 12px;
  border: 2px solid var(--border-color);
  transition: all 0.4s ease;
  opacity: 0;
  transform: translateY(30px);
}

.process-step.animate {
  opacity: 1;
  transform: translateY(0);
}

.process-step:hover {
  border-color: var(--primary-yellow);
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(255, 199, 0, 0.15);
}

.step-number {
  width: 60px;
  height: 60px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  font-weight: 700;
  margin: 0 auto 20px;
  color: var(--text-dark);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.process-step:hover .step-number {
  transform: scale(1.15) rotate(360deg);
  box-shadow: 0 4px 20px rgba(255, 199, 0, 0.4);
}

.process-step h3 {
  font-size: 20px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.process-step p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.image-text-section {
  padding: 80px 0;
  background: var(--white);
}

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

.image-text-img img {
  width: 100%;
  border-radius: 12px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
}

.image-text-text h2 {
  font-size: 36px;
  margin-bottom: 24px;
  color: var(--text-dark);
}

.image-text-text p {
  color: var(--dark-gray);
  margin-bottom: 20px;
  line-height: 1.8;
}

.who-needs-section {
  padding: 80px 0;
  background: var(--light-gray);
}

.who-needs-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 60px;
  color: var(--text-dark);
}

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

.who-needs-card {
  background: var(--white);
  padding: 30px;
  border-radius: 12px;
  text-align: center;
}

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

.who-needs-card p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.faq-section {
  padding: 80px 0;
  background: var(--white);
}

.faq-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 60px;
  color: var(--text-dark);
}

.faq-list {
  max-width: 900px;
  margin: 0 auto;
}

.faq-item {
  background: var(--light-gray);
  padding: 30px;
  border-radius: 12px;
  margin-bottom: 20px;
}

.faq-item h3 {
  font-size: 20px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.faq-item p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.cta-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--primary-yellow) 0%, var(--dark-yellow) 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
  animation: rotate 20s linear infinite;
}

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

.cta-content {
  position: relative;
  z-index: 1;
}

.cta-content h2 {
  font-size: 40px;
  margin-bottom: 20px;
  color: var(--text-dark);
}

.cta-content p {
  font-size: 18px;
  color: var(--dark-gray);
  margin-bottom: 30px;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.btn-cta {
  display: inline-block;
  background: var(--text-dark);
  color: var(--white);
  padding: 16px 40px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: all 0.3s ease;
}

.btn-cta:hover {
  background: #000;
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
}

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

.contact-header {
  margin-bottom: 48px;
}

.contact-section h1 {
  text-align: center;
  font-size: 40px;
  margin-bottom: 20px;
  color: var(--text-dark);
}

.contact-section p {
  text-align: center;
  font-size: 18px;
  color: var(--dark-gray);
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

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

.contact-form {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.contact-form h2 {
  font-size: 28px;
  margin-bottom: 30px;
  color: var(--text-dark);
}

.form-group {
  margin-bottom: 24px;
}

.form-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 500;
  color: var(--text-dark);
}

.form-group label .required {
  color: var(--error-red);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--border-color);
  border-radius: 6px;
  font-size: 16px;
  font-family: inherit;
  transition: border-color 0.3s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary-yellow);
}

.form-group input.error,
.form-group select.error {
  border-color: var(--error-red);
}

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

.error-message {
  color: var(--error-red);
  font-size: 14px;
  margin-top: 6px;
  display: none;
}

.error-message.show {
  display: block;
}

.checkbox-group {
  display: flex;
  align-items: start;
  gap: 12px;
  margin-bottom: 24px;
}

.checkbox-group input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  cursor: pointer;
  flex-shrink: 0;
}

.checkbox-group label {
  font-size: 14px;
  color: var(--dark-gray);
  line-height: 1.6;
  cursor: pointer;
}

.checkbox-group label a {
  color: var(--primary-yellow);
  text-decoration: none;
  font-weight: 500;
}

.checkbox-group label a:hover {
  text-decoration: underline;
}

.checkbox-group.error label {
  color: var(--error-red);
}

.submit-btn {
  width: 100%;
  background: var(--primary-yellow);
  color: var(--text-dark);
  padding: 16px;
  border: none;
  border-radius: 6px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  position: relative;
}

.submit-btn:hover {
  background: var(--dark-yellow);
  transform: translateY(-2px);
}

.submit-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

.submit-btn.loading {
  pointer-events: none;
}

.submit-btn.loading .btn-text {
  opacity: 0;
}

.submit-btn .spinner {
  display: none;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 24px;
  height: 24px;
  border: 3px solid rgba(26, 26, 26, 0.2);
  border-top-color: var(--text-dark);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

.submit-btn.loading .spinner {
  display: block;
}

@keyframes spin {
  0% {
    transform: translate(-50%, -50%) rotate(0deg);
  }
  100% {
    transform: translate(-50%, -50%) rotate(360deg);
  }
}

.contact-info {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.contact-info h2 {
  font-size: 28px;
  margin-bottom: 30px;
  color: var(--text-dark);
}

.info-item {
  display: flex;
  align-items: start;
  gap: 16px;
  margin-bottom: 30px;
}

.info-icon {
  width: 50px;
  height: 50px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 4px;
}

.info-icon svg {
  color: var(--text-dark);
}

.info-text {
  flex: 1;
  text-align: left;
}

.info-text h3 {
  font-size: 18px;
  margin-bottom: 8px;
  color: var(--text-dark);
  font-weight: 600;
  line-height: 1.4;
  text-align: left;
}

.info-text p,
.info-text a {
  color: var(--dark-gray);
  text-decoration: none;
  line-height: 1.7;
  font-size: 15px;
  text-align: left;
}

.info-text a:hover {
  color: var(--primary-yellow);
}

.policy-content {
  padding: 80px 0;
  background: var(--light-gray);
}

.policy-wrapper {
  max-width: 900px;
  margin: 0 auto;
  background: var(--white);
  padding: 60px;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.policy-wrapper h1 {
  font-size: 40px;
  margin-bottom: 30px;
  color: var(--text-dark);
}

.policy-wrapper h2 {
  font-size: 28px;
  margin-top: 40px;
  margin-bottom: 16px;
  color: var(--text-dark);
}

.policy-wrapper h3 {
  font-size: 22px;
  margin-top: 30px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.policy-wrapper p {
  color: var(--dark-gray);
  line-height: 1.8;
  margin-bottom: 16px;
}

.policy-wrapper a {
  color: var(--primary-yellow);
  text-decoration: none;
}

.policy-wrapper a:hover {
  text-decoration: underline;
}

.custom-alert-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10000;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.custom-alert-overlay.show {
  opacity: 1;
}

.custom-alert-box {
  background: var(--white);
  padding: 40px;
  border-radius: 16px;
  max-width: 450px;
  width: 90%;
  text-align: center;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
  transform: scale(0.9);
  transition: transform 0.3s ease;
}

.custom-alert-overlay.show .custom-alert-box {
  transform: scale(1);
}

.custom-alert-icon {
  width: 80px;
  height: 80px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}

.custom-alert-icon svg {
  color: var(--text-dark);
}

.custom-alert-box h3 {
  font-size: 28px;
  color: var(--text-dark);
  margin-bottom: 16px;
}

.custom-alert-box p {
  font-size: 16px;
  color: var(--dark-gray);
  line-height: 1.6;
  margin-bottom: 32px;
}

.custom-alert-btn {
  background: var(--primary-yellow);
  color: var(--text-dark);
  border: none;
  padding: 14px 40px;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
}

.custom-alert-btn:hover {
  background: var(--dark-yellow);
  transform: translateY(-2px);
}

.footer {
  background: var(--dark-gray);
  color: var(--white);
  padding: 60px 0 20px;
}

.footer-content {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 40px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}

.footer-logo svg {
  color: var(--primary-yellow);
  flex-shrink: 0;
}

.footer-info h3 {
  font-size: 24px;
  margin-bottom: 0;
  color: var(--white);
}

.footer-info p {
  color: var(--medium-gray);
  line-height: 1.6;
}

.footer-links-section h4,
.footer-contact h4 {
  font-size: 18px;
  margin-bottom: 20px;
  color: var(--white);
}

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

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

.footer-links-section ul li a {
  color: var(--medium-gray);
  text-decoration: none;
  transition: color 0.3s ease;
}

.footer-links-section ul li a:hover {
  color: var(--primary-yellow);
}

.footer-contact p {
  color: var(--medium-gray);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-bottom p {
  color: var(--medium-gray);
}

.footer-legal {
  display: flex;
  gap: 30px;
}

.footer-legal a {
  color: var(--medium-gray);
  text-decoration: none;
  transition: color 0.3s ease;
}

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

.why-choose-section {
  padding: 80px 0;
  background: var(--white);
}

.why-choose-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 20px;
  color: var(--text-dark);
  position: relative;
}

.why-choose-section h2::after {
  content: '';
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  border-radius: 2px;
}

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

.why-choose-item {
  text-align: center;
  padding: 30px 20px;
  background: var(--light-gray);
  border-radius: 12px;
  transition: all 0.4s ease;
}

.why-choose-item:hover {
  background: var(--white);
  box-shadow: 0 8px 30px rgba(255, 199, 0, 0.15);
  transform: translateY(-5px);
}

.why-choose-icon {
  width: 70px;
  height: 70px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: transform 0.3s ease;
}

.why-choose-item:hover .why-choose-icon {
  transform: scale(1.1);
}

.why-choose-icon svg {
  color: var(--text-dark);
}

.why-choose-item h3 {
  font-size: 20px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.why-choose-item p {
  color: var(--dark-gray);
  line-height: 1.6;
  font-size: 15px;
}

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

.testimonials-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 20px;
  color: var(--text-dark);
  position: relative;
}

.testimonials-section h2::after {
  content: '';
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-yellow), var(--dark-yellow));
  border-radius: 2px;
}

.testimonials-grid {
  margin-top: 60px;
}

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

.testimonial-card {
  background: var(--white);
  padding: 30px;
  border-radius: 12px;
  border: 2px solid var(--border-color);
  transition: all 0.4s ease;
  opacity: 0;
  transform: translateY(30px);
}

.testimonial-card.animate {
  opacity: 1;
  transform: translateY(0);
}

.testimonial-card:hover {
  border-color: var(--primary-yellow);
  transform: translateY(-5px);
  box-shadow: 0 12px 40px rgba(255, 199, 0, 0.15);
}

.testimonial-rating {
  color: var(--primary-yellow);
  font-size: 20px;
  margin-bottom: 16px;
}

.testimonial-card p {
  color: var(--dark-gray);
  line-height: 1.6;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  font-weight: 600;
  color: var(--text-dark);
}

.value-props-section {
  padding: 80px 0;
  background: var(--white);
}

.value-props-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.value-prop-card {
  padding: 40px;
  background: var(--light-gray);
  border-radius: 12px;
  border-left: 4px solid var(--primary-yellow);
  transition: all 0.4s ease;
}

.value-prop-card:hover {
  background: var(--white);
  box-shadow: 0 8px 30px rgba(255, 199, 0, 0.15);
  transform: translateX(10px);
}

.value-prop-number {
  font-size: 48px;
  font-weight: 700;
  color: var(--primary-yellow);
  margin-bottom: 16px;
  line-height: 1;
}

.value-prop-card h3 {
  font-size: 24px;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.value-prop-card p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.insurance-tips-section {
  padding: 80px 0;
  background: var(--white);
}

.insurance-tips-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 60px;
  color: var(--text-dark);
}

.tips-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  max-width: 1000px;
  margin: 0 auto;
}

.tip-item {
  display: flex;
  gap: 20px;
  padding: 30px;
  background: var(--light-gray);
  border-radius: 12px;
  transition: all 0.3s ease;
}

.tip-item:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 25px rgba(255, 199, 0, 0.15);
}

.tip-icon {
  width: 40px;
  height: 40px;
  background: var(--primary-yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  font-weight: 700;
  color: var(--text-dark);
  flex-shrink: 0;
}

.tip-item h3 {
  font-size: 20px;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.tip-item p {
  color: var(--dark-gray);
  line-height: 1.6;
}

.life-myths-section {
  padding: 80px 0;
  background: var(--light-gray);
}

.life-myths-section h2 {
  text-align: center;
  font-size: 36px;
  margin-bottom: 60px;
  color: var(--text-dark);
}

.myths-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  max-width: 1000px;
  margin: 0 auto;
}

.myth-item {
  padding: 30px;
  background: var(--white);
  border-radius: 12px;
  border: 2px solid var(--border-color);
  transition: all 0.3s ease;
}

.myth-item:hover {
  border-color: var(--primary-yellow);
  transform: translateY(-5px);
  box-shadow: 0 8px 25px rgba(255, 199, 0, 0.15);
}

.myth-item h3 {
  font-size: 18px;
  margin-bottom: 12px;
  color: var(--text-dark);
  font-weight: 600;
}

.myth-item p {
  color: var(--dark-gray);
  line-height: 1.6;
}

@media (max-width: 968px) {
  .mobile-menu-toggle {
    display: flex;
  }

  .nav-items {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 80px 30px 30px;
    box-shadow: -5px 0 15px rgba(0, 0, 0, 0.1);
    transition: right 0.3s ease;
    z-index: 999;
  }

  .nav-items.active {
    right: 0;
  }

  .nav-menu {
    flex-direction: column;
    width: 100%;
    gap: 0;
  }

  .nav-menu li {
    width: 100%;
    border-bottom: 1px solid var(--border-color);
  }

  .nav-menu a {
    display: block;
    padding: 15px 0;
  }

  .btn-nav-cta {
    width: 100%;
    text-align: center;
    margin-top: 20px;
  }

  .info-content,
  .detail-grid,
  .image-text-content,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

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

  .hero-text-center p {
    font-size: 18px;
  }

  .hero-buttons {
    flex-direction: column;
    width: 100%;
  }

  .hero-buttons a {
    width: 100%;
    text-align: center;
  }

  .features-grid,
  .benefits-list,
  .who-needs-grid,
  .testimonials-grid,
  .why-choose-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .value-props-grid,
  .tips-grid,
  .myths-grid {
    grid-template-columns: 1fr;
  }

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

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

@media (max-width: 640px) {
  .hero {
    min-height: 600px;
    padding: 100px 0 60px;
  }

  .hero-text-center h1 {
    font-size: 32px;
  }

  .hero-text-center p {
    font-size: 16px;
  }

  .features-grid,
  .benefits-list,
  .plans-grid,
  .process-steps,
  .who-needs-grid,
  .stats-grid,
  .testimonials-grid,
  .why-choose-grid,
  .value-props-grid,
  .tips-grid,
  .myths-grid {
    grid-template-columns: 1fr;
  }

  .features-section h2,
  .info-text h2,
  .detail-content h2,
  .coverage-benefits h2,
  .plan-types h2,
  .process-section h2,
  .image-text-text h2,
  .who-needs-section h2,
  .faq-section h2 {
    font-size: 28px;
  }

  .cta-content h2,
  .contact-section h1,
  .policy-wrapper h1 {
    font-size: 32px;
  }

  .contact-form,
  .contact-info,
  .policy-wrapper {
    padding: 30px 20px;
  }

  .banner-content {
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
  }

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

  .footer-legal {
    flex-direction: column;
    gap: 15px;
  }
}