/* ===========================
   RESET & BASE
=========================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0a1628;
  --navy-mid: #112040;
  --blue: #1a4fa0;
  --blue-light: #2563eb;
  --gold: #d4a017;
  --gold-light: #f0c040;
  --white: #ffffff;
  --off-white: #f8faff;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #64748b;
  --gray-800: #1e293b;
  --green: #10b981;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(10,22,40,0.10);
  --shadow-lg: 0 12px 48px rgba(10,22,40,0.18);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

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

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================
   BUTTONS
=========================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  transition: all 0.25s ease;
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--blue-light), var(--blue));
  color: var(--white);
  border-color: transparent;
  box-shadow: 0 4px 20px rgba(37,99,235,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(37,99,235,0.45);
}

.btn-outline {
  background: transparent;
  color: var(--blue-light);
  border-color: var(--blue-light);
}
.btn-outline:hover {
  background: var(--blue-light);
  color: var(--white);
}

.btn-ghost {
  background: transparent;
  color: var(--gray-600);
  border-color: var(--gray-200);
}
.btn-ghost:hover {
  background: var(--gray-100);
  color: var(--gray-800);
}

.btn-nav {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--navy);
  font-weight: 700;
  box-shadow: 0 4px 16px rgba(212,160,23,0.30);
}
.btn-nav:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,160,23,0.40);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
  font-weight: 700;
}
.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
}

.btn-lg { padding: 16px 36px; font-size: 17px; }
.btn-sm { padding: 10px 20px; font-size: 14px; }

.pulse {
  animation: pulse 2.5s infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 4px 20px rgba(37,99,235,0.35); }
  50% { box-shadow: 0 4px 40px rgba(37,99,235,0.60); }
}

/* ===========================
   NAV
=========================== */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(10, 22, 40, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: all 0.3s ease;
}

.nav.scrolled {
  background: rgba(10, 22, 40, 0.99);
  box-shadow: var(--shadow);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  height: 70px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--blue-light), var(--blue));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 13px;
  color: var(--white);
  flex-shrink: 0;
  letter-spacing: 0.5px;
}

.logo-name {
  font-weight: 700;
  font-size: 16px;
  color: var(--white);
  line-height: 1.2;
}
.logo-sub {
  font-size: 11px;
  color: var(--gray-400);
  font-weight: 400;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  color: rgba(255,255,255,0.75);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: all 0.2s;
}
.nav-links a:hover {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}

.nav-mobile {
  display: none;
  flex-direction: column;
  padding: 16px 24px 20px;
  gap: 4px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.nav-mobile a {
  color: rgba(255,255,255,0.8);
  padding: 12px 0;
  font-size: 15px;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.nav-mobile .btn { margin-top: 12px; align-self: flex-start; }
.nav-mobile.open { display: flex; }

/* ===========================
   SECTION HEADERS
=========================== */
.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 42px);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}
.section-header p {
  font-size: 17px;
  color: var(--gray-600);
  max-width: 560px;
  margin: 0 auto;
}
.section-header.light h2 { color: var(--white); }
.section-header.light p { color: rgba(255,255,255,0.70); }

.section-badge {
  display: inline-block;
  background: linear-gradient(135deg, rgba(37,99,235,0.12), rgba(37,99,235,0.06));
  color: var(--blue-light);
  border: 1px solid rgba(37,99,235,0.20);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 16px;
}
.section-header.light .section-badge {
  background: rgba(255,255,255,0.10);
  color: var(--gold-light);
  border-color: rgba(255,255,255,0.20);
}

.gradient-text {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ===========================
   HERO
=========================== */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 60%, #0d2860 100%);
  padding-top: 70px;
  overflow: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 80% 40%, rgba(37,99,235,0.15) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 20% 80%, rgba(212,160,23,0.08) 0%, transparent 50%);
  pointer-events: none;
}

.hero-content {
  padding: 80px 24px 60px;
  position: relative;
  z-index: 1;
  max-width: 760px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: var(--gold-light);
  padding: 8px 18px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 24px;
  letter-spacing: 0.5px;
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(38px, 6vw, 72px);
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 24px;
}

.hero-sub {
  font-size: clamp(16px, 2vw, 19px);
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  max-width: 580px;
  line-height: 1.7;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.70);
  font-size: 14px;
  font-weight: 500;
}
.trust-check {
  color: var(--green);
  font-weight: 700;
}

.hero-stats {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 28px 0;
  position: relative;
  z-index: 1;
}

.stats-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.stat {
  text-align: center;
  padding: 12px 40px;
}
.stat-num {
  font-size: 32px;
  font-weight: 800;
  color: var(--white);
  font-family: 'Playfair Display', serif;
}
.stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  margin-top: 2px;
}
.stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,0.12);
}

/* ===========================
   PRODUCTS
=========================== */
.products {
  padding: 100px 0;
  background: var(--off-white);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--gray-200);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gray-200);
  transition: background 0.3s;
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(37,99,235,0.15);
}
.product-card:hover::before {
  background: linear-gradient(90deg, var(--blue-light), var(--blue));
}
.product-card.featured {
  border-color: var(--blue-light);
  box-shadow: 0 0 0 1px rgba(37,99,235,0.15), var(--shadow);
}
.product-card.featured::before {
  background: linear-gradient(90deg, var(--blue-light), var(--blue));
}

.product-icon {
  font-size: 36px;
  margin-bottom: 12px;
}

.product-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--blue-light), var(--blue));
  color: var(--white);
  padding: 3px 12px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}

.product-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.product-card p {
  font-size: 14px;
  color: var(--gray-600);
  margin-bottom: 20px;
  line-height: 1.7;
}
.product-list {
  margin-bottom: 24px;
}
.product-list li {
  font-size: 13px;
  color: var(--gray-600);
  padding: 5px 0;
  padding-left: 20px;
  position: relative;
}
.product-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
}

/* ===========================
   HOW IT WORKS
=========================== */
.how-it-works {
  padding: 100px 0;
  background: linear-gradient(160deg, var(--navy), var(--navy-mid));
  position: relative;
  overflow: hidden;
}
.how-it-works::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(37,99,235,0.12), transparent 70%);
}

.steps-row {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

.step {
  flex: 1;
  min-width: 220px;
  max-width: 300px;
  text-align: center;
  padding: 40px 24px;
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255,255,255,0.10);
  transition: all 0.3s;
}
.step:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-4px);
}

.step-num {
  font-size: 48px;
  font-weight: 800;
  color: rgba(255,255,255,0.08);
  font-family: 'Playfair Display', serif;
  line-height: 1;
  margin-bottom: 8px;
}
.step-icon {
  font-size: 36px;
  margin-bottom: 16px;
}
.step h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.step p {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
}

.step-arrow {
  font-size: 28px;
  color: rgba(255,255,255,0.20);
  align-self: center;
  flex-shrink: 0;
  padding-top: 20px;
}

.how-cta {
  text-align: center;
  margin-top: 48px;
  position: relative;
  z-index: 1;
}

/* ===========================
   ABOUT
=========================== */
.about {
  padding: 100px 0;
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: center;
}

.about-card-wrap {
  position: relative;
  display: inline-block;
}

.about-photo {
  width: 100%;
  max-width: 380px;
  aspect-ratio: 4/5;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: block;
}

.about-badge-float {
  position: absolute;
  bottom: 20px;
  right: -20px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 12px 20px;
  box-shadow: var(--shadow-lg);
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
  white-space: nowrap;
}

.about-credentials {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.credential {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--gray-600);
}
.cred-icon {
  width: 22px; height: 22px;
  background: rgba(16,185,129,0.10);
  color: var(--green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  flex-shrink: 0;
}

.about-text .section-badge { display: inline-block; }
.about-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3.5vw, 40px);
  color: var(--navy);
  margin-bottom: 20px;
  line-height: 1.2;
}
.about-text p {
  font-size: 16px;
  color: var(--gray-600);
  margin-bottom: 16px;
  line-height: 1.8;
}
.about-text strong { color: var(--navy); }

.about-cta {
  display: flex;
  gap: 16px;
  margin-top: 28px;
  flex-wrap: wrap;
}

/* ===========================
   TESTIMONIALS
=========================== */
.testimonials {
  padding: 100px 0;
  background: var(--off-white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--gray-200);
  transition: all 0.3s;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.testimonial-card.featured-testimonial {
  background: linear-gradient(160deg, var(--navy), var(--navy-mid));
  border-color: transparent;
  box-shadow: var(--shadow-lg);
}
.testimonial-card.featured-testimonial p {
  color: rgba(255,255,255,0.85);
}
.testimonial-card.featured-testimonial .author-name {
  color: var(--white);
}
.testimonial-card.featured-testimonial .author-detail {
  color: rgba(255,255,255,0.55);
}

.stars {
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card p {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--blue-light), var(--blue));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.author-name {
  font-weight: 700;
  font-size: 15px;
  color: var(--navy);
}
.author-detail {
  font-size: 13px;
  color: var(--gray-400);
}

/* ===========================
   LEAD FUNNEL
=========================== */
.funnel-section {
  padding: 100px 0;
  background: linear-gradient(160deg, var(--off-white), var(--white));
}

.funnel-wrap {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: start;
}

.funnel-left h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3.5vw, 40px);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}
.funnel-left p {
  font-size: 16px;
  color: var(--gray-600);
  margin-bottom: 28px;
}

.funnel-benefits {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 32px;
}
.fb {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: var(--gray-700, #374151);
  font-weight: 500;
}
.fb span {
  width: 24px; height: 24px;
  background: rgba(16,185,129,0.12);
  color: var(--green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}

.funnel-seal {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 13px;
  color: var(--gray-600);
  border: 1px solid var(--gray-200);
}
.seal-icon { font-size: 18px; flex-shrink: 0; }

.funnel-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  overflow: hidden;
}

.funnel-progress {
  background: var(--gray-100);
  padding: 16px 24px;
  border-bottom: 1px solid var(--gray-200);
  display: flex;
  align-items: center;
  gap: 16px;
}
.progress-bar {
  flex: 1;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue-light), var(--blue));
  border-radius: 3px;
  transition: width 0.4s ease;
  width: 20%;
}
.progress-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-600);
  white-space: nowrap;
}

.funnel-step {
  display: none;
  padding: 32px 28px;
  animation: fadeIn 0.3s ease;
}
.funnel-step.active { display: block; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateX(16px); }
  to { opacity: 1; transform: translateX(0); }
}

.funnel-step h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}
.step-sub {
  font-size: 14px;
  color: var(--gray-400);
  margin-bottom: 24px;
}

.option-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}

.option-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  padding: 18px 12px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700, #374151);
  transition: all 0.2s;
  text-align: center;
}
.option-btn:hover {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.04);
  color: var(--blue-light);
}
.option-btn.selected {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.08);
  color: var(--blue-light);
}
.opt-icon { font-size: 24px; }

.coverage-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 24px;
}

.coverage-btn {
  padding: 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700, #374151);
  transition: all 0.2s;
  text-align: center;
}
.coverage-btn:hover, .coverage-btn.selected {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.08);
  color: var(--blue-light);
}

.health-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}
.health-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 20px 12px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
  cursor: pointer;
  transition: all 0.2s;
  text-align: center;
}
.health-btn:hover, .health-btn.selected {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.08);
}
.health-emoji { font-size: 28px; }
.health-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
}
.health-desc {
  font-size: 11px;
  color: var(--gray-400);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 14px;
}
.form-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-700, #374151);
}
.form-input {
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 10px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color 0.2s;
  outline: none;
  width: 100%;
}
.form-input:focus {
  border-color: var(--blue-light);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.08);
}

.consent-text {
  font-size: 11px;
  color: var(--gray-400);
  margin-bottom: 16px;
  line-height: 1.6;
}

.btn-row {
  display: flex;
  gap: 12px;
  justify-content: space-between;
  align-items: center;
}
.btn-next {
  flex: 1;
  max-width: 240px;
  margin-left: auto;
}
.btn-next:disabled {
  opacity: 0.45;
  cursor: not-allowed;
  transform: none !important;
  box-shadow: none !important;
}

.thank-you {
  text-align: center;
  padding: 20px 0;
}
.ty-icon { font-size: 56px; margin-bottom: 16px; }
.thank-you h3 {
  font-size: 26px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}
.thank-you p {
  font-size: 16px;
  color: var(--gray-600);
  margin-bottom: 16px;
}
.ty-details {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 16px 0;
  font-size: 14px;
  color: var(--gray-600);
  text-align: left;
}
.ty-details div { padding: 4px 0; }
.ty-next {
  font-size: 15px;
  color: var(--gray-600);
  margin: 16px 0 24px;
  line-height: 1.7;
}
.ty-cta { margin-top: 8px; }

/* ===========================
   FAQ
=========================== */
.faq {
  padding: 100px 0;
  background: var(--white);
}

.faq-list {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.faq-item {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item:hover { border-color: rgba(37,99,235,0.25); }

.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 20px 24px;
  background: var(--white);
  border: none;
  cursor: pointer;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  font-family: 'Inter', sans-serif;
  transition: background 0.2s;
}
.faq-q:hover { background: var(--off-white); }
.faq-q.open { background: var(--off-white); color: var(--blue-light); }

.faq-arrow {
  font-size: 12px;
  color: var(--gray-400);
  transition: transform 0.3s;
  flex-shrink: 0;
}
.faq-q.open .faq-arrow { transform: rotate(180deg); color: var(--blue-light); }

.faq-a {
  display: none;
  padding: 0 24px 20px;
  background: var(--off-white);
}
.faq-a.open { display: block; }
.faq-a p {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.8;
}

/* ===========================
   FINAL CTA
=========================== */
.final-cta {
  padding: 100px 0;
  background: linear-gradient(160deg, var(--navy), var(--navy-mid));
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(37,99,235,0.15), transparent 70%);
}
.final-cta .container { position: relative; z-index: 1; }
.final-cta h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 48px);
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.final-cta p {
  font-size: 18px;
  color: rgba(255,255,255,0.70);
  margin-bottom: 36px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* ===========================
   FOOTER
=========================== */
.footer {
  background: var(--gray-800);
  color: rgba(255,255,255,0.70);
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding: 64px 24px;
}

.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-sub { color: rgba(255,255,255,0.50); }

.footer-desc {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  margin-top: 16px;
  line-height: 1.7;
}

.footer-links h4, .footer-contact h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.footer-links ul {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--white); }

.footer-contact p {
  font-size: 14px;
  margin-bottom: 8px;
}
.footer-contact a {
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-contact a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 24px;
  text-align: center;
}
.footer-bottom p {
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  margin-bottom: 6px;
}
.footer-disclaimer {
  font-size: 11px;
  color: rgba(255,255,255,0.25);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ===========================
   RESPONSIVE
=========================== */
@media (max-width: 900px) {
  .nav-links, .btn-nav { display: none; }
  .nav-hamburger { display: flex; }

  .about-grid { grid-template-columns: 1fr; }
  .about-visual { max-width: 360px; }
  .about-badge-float { right: 0; }

  .funnel-wrap { grid-template-columns: 1fr; }
  .funnel-left { order: 2; }
  .funnel-form-wrap { order: 1; }

  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }

  .steps-row { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); }
}

@media (max-width: 640px) {
  .hero-ctas { flex-direction: column; }
  .option-grid { grid-template-columns: 1fr 1fr; }
  .coverage-options { grid-template-columns: 1fr; }
  .health-options { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .stats-row { flex-direction: column; gap: 16px; }
  .stat-divider { width: 80px; height: 1px; }
  .footer-inner { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .about-img-placeholder { max-width: 100%; }

  .btn-row { flex-direction: column-reverse; }
  .btn-next { max-width: 100%; }
  .btn-ghost { width: 100%; }
}