:root {
  --navy: #081d45;
  --navy-2: #04122d;
  --navy-3: #123b78;
  --blue: #1677d2;
  --blue-bright: #36a9f4;
  --blue-soft: #e8f4ff;
  --cyan: #81d9ff;
  --green: #27a76f;
  --green-soft: #dff7ec;
  --gold: #f2c94c;
  --ink: #17213a;
  --muted: #66728a;
  --line: #dce4ee;
  --paper: #f3f8fd;
  --white: #fff;
  --shadow: 0 24px 70px rgba(9, 21, 47, .16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}
button, input, select { font: inherit; }
a { color: inherit; }
.shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 max(24px, calc((100vw - 1180px) / 2));
  background: rgba(4, 18, 45, .97);
  border-bottom: 1px solid rgba(255,255,255,.12);
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(14px);
}
.brand { width: 310px; display: flex; align-items: center; }
.brand img { width: 100%; height: auto; display: block; }
.header-cta, .secondary-cta {
  text-decoration: none;
  font-weight: 800;
  color: var(--navy);
  background: var(--white);
  border-radius: 999px;
  padding: 11px 20px;
  transition: transform .2s ease, box-shadow .2s ease;
}
.header-cta:hover, .secondary-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(0,0,0,.18); }

.hero {
  display: grid;
  grid-template-columns: .78fr 1.22fr;
  gap: 48px;
  align-items: start;
  padding-top: 72px;
  padding-bottom: 84px;
  position: relative;
  isolation: isolate;
}
.hero::before { content: ""; position: absolute; inset: 0 -100vmax; background: radial-gradient(circle at 18% 12%, #174b89 0, var(--navy) 40%, var(--navy-2) 100%); box-shadow: 0 0 0 100vmax var(--navy-2); clip-path: inset(0 -100vmax); z-index: -1; }
.hero-copy { position: sticky; top: 138px; padding-top: 18px; }
.eyebrow, .step-label {
  margin: 0 0 12px;
  color: var(--blue);
  font-size: .79rem;
  font-weight: 900;
  letter-spacing: .17em;
}
.hero h1 {
  margin: 0;
  color: var(--white);
  font-size: clamp(2.5rem, 5vw, 4.7rem);
  line-height: .99;
  letter-spacing: -.055em;
}
.hero h1 span { color: var(--cyan); display: block; margin-top: 10px; }
.hero-intro { color: #c5d7ed; max-width: 560px; margin: 24px 0 30px; font-size: 1.1rem; }
.hero-proof { display: grid; gap: 13px; }
.hero-proof div { display: grid; grid-template-columns: 118px 1fr; gap: 12px; align-items: baseline; padding-top: 13px; border-top: 1px solid rgba(255,255,255,.18); }
.hero-proof strong { color: var(--white); font-size: 1rem; }
.hero-proof span { color: #b5c9e4; font-size: .92rem; }

.calculator { background: var(--white); border-radius: 28px; padding: 34px; box-shadow: var(--shadow); border: 1px solid rgba(15,30,64,.06); }
.calculator-head h2 { margin: 0; color: var(--navy); font-size: 2rem; letter-spacing: -.035em; }
.calculator-head p:last-child { margin: 8px 0 26px; color: var(--muted); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; }
.field span, legend { font-weight: 800; color: var(--ink); font-size: .9rem; }
select, input[type="number"] { width: 100%; min-height: 50px; border: 1px solid var(--line); border-radius: 12px; background: #fbfcfe; color: var(--ink); padding: 10px 13px; outline: none; }
select:focus, input:focus { border-color: var(--blue); box-shadow: 0 0 0 4px rgba(60,168,232,.14); }
.choice-group { border: 0; padding: 0; margin: 24px 0 0; }
.choice-group legend { margin-bottom: 10px; }
.segmented { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.segmented label { position: relative; cursor: pointer; }
.segmented input { position: absolute; opacity: 0; pointer-events: none; }
.segmented label > span { min-height: 76px; border: 1px solid var(--line); border-radius: 14px; padding: 14px; display: flex; flex-direction: column; justify-content: center; gap: 2px; background: #fbfcfe; transition: .18s ease; }
.segmented input:checked + span { border-color: var(--blue); background: var(--blue-soft); box-shadow: inset 0 0 0 1px var(--blue); }
.segmented input:focus-visible + span { outline: 3px solid rgba(60,168,232,.3); }
.segmented strong { color: var(--navy); }
.segmented small { color: var(--muted); }
.compact-choice { display: grid; grid-template-columns: 1fr 180px; align-items: center; gap: 16px; }
.compact-choice legend { float: left; margin: 0; }
.yes-no label > span { min-height: 46px; align-items: center; padding: 8px; }
.dependants-block { margin-top: 26px; padding-top: 24px; border-top: 1px solid var(--line); }
.dependants-heading { display: flex; justify-content: space-between; gap: 20px; align-items: center; }
.dependants-heading h3 { margin: 0; color: var(--navy); font-size: 1rem; }
.dependants-heading p { margin: 2px 0 0; color: var(--muted); font-size: .88rem; }
.add-button { border: 1px solid var(--navy); color: var(--navy); background: white; border-radius: 999px; padding: 8px 14px; font-weight: 800; cursor: pointer; white-space: nowrap; }
.add-button:hover { background: var(--navy); color: white; }
.dependants { display: grid; gap: 10px; margin-top: 14px; }
.dependant-row { display: grid; grid-template-columns: 1fr 130px 40px; gap: 10px; align-items: end; padding: 12px; background: var(--paper); border-radius: 14px; }
.dependant-row label { display: grid; gap: 5px; font-size: .82rem; font-weight: 800; }
.dependant-row input { min-height: 44px; background: white; }
.remove-dependant { width: 40px; height: 44px; border: 0; border-radius: 10px; background: #e8edf4; color: #526079; cursor: pointer; font-size: 1.2rem; }
.remove-dependant:hover { background: #fee2e2; color: #a32020; }

.result { margin-top: 28px; padding: 26px; color: white; background: linear-gradient(145deg, #061b42, #1264b5); border-radius: 20px; position: relative; overflow: hidden; }
.result::after { content: ""; position: absolute; width: 300px; height: 300px; right: -170px; top: -170px; border: 45px solid rgba(123,216,255,.1); border-radius: 50%; }
.result-topline { display: flex; justify-content: space-between; gap: 12px; color: #cbd9ee; font-size: .82rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; position: relative; z-index: 1; }
.main-price { margin-top: 10px; display: flex; align-items: baseline; gap: 8px; position: relative; z-index: 1; }
.main-price span { font-size: clamp(3.2rem, 8vw, 5.4rem); font-weight: 900; line-height: 1; letter-spacing: -.06em; }
.main-price small { font-size: 1.05rem; color: #cbd9ee; }
.price-caption { margin: 7px 0 20px; color: #b9c9e0; }
.payment-options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.payment-options div { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.1); border-radius: 12px; padding: 12px; display: grid; gap: 3px; }
.payment-options span { color: #b9c9e0; font-size: .75rem; }
.payment-options strong { font-size: 1.05rem; }
.payment-options small { color: var(--cyan); font-size: .7rem; }
.whatsapp-actions { margin-top: 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; position: relative; z-index: 1; }
.whatsapp-button { min-height: 56px; padding: 10px 14px; display: flex; align-items: center; justify-content: center; gap: 9px; text-align: center; border-radius: 13px; background: #25d366; color: #062b18; font-weight: 900; text-decoration: none; }
.whatsapp-button:hover { background: #48e382; }
.whatsapp-button-secondary { background: #e9fff1; box-shadow: inset 0 0 0 2px #25d366; }
.whatsapp-button-secondary:hover { background: #d5ffe5; }
.whatsapp-button[aria-disabled="true"] { opacity: .55; pointer-events: none; }
.whatsapp-button svg { width: 23px; height: 23px; fill: currentColor; }
.result-note { margin: 14px 0 0; color: #aebed6; font-size: .73rem; line-height: 1.45; position: relative; z-index: 1; }

.promise-band { background: var(--navy); color: white; padding: 30px 0; }
.promise-grid { display: grid; grid-template-columns: repeat(5, 1fr); }
.promise-grid div { padding: 4px 18px; border-left: 1px solid rgba(255,255,255,.15); }
.promise-grid div:first-child { border-left: 0; padding-left: 0; }
.promise-grid span { display: block; color: var(--cyan); font-size: 1.2rem; font-weight: 900; }
.promise-grid strong { font-size: .78rem; font-weight: 600; color: #d8e1ee; }

.coverage { padding-top: 96px; padding-bottom: 96px; background: var(--paper); box-shadow: 0 0 0 100vmax var(--paper); clip-path: inset(0 -100vmax); }
.section-heading { max-width: 710px; }
.section-heading h2, .coordination h2, .advisor h2 { margin: 0; color: var(--navy); font-size: clamp(2.1rem, 4vw, 3.5rem); line-height: 1.04; letter-spacing: -.045em; }
.section-heading > p:last-child { color: var(--muted); }
.coverage-grid { margin-top: 42px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.coverage-card { min-height: 250px; border-radius: 20px; background: white; padding: 24px; border: 1px solid var(--line); display: flex; flex-direction: column; }
.coverage-card.featured { background: linear-gradient(145deg, var(--navy), var(--blue)); color: white; border-color: var(--blue); }
.card-number { font-size: .78rem; letter-spacing: .12em; color: var(--blue); font-weight: 900; }
.featured .card-number { color: var(--cyan); }
.coverage-card h3 { margin: auto 0 8px; color: var(--navy); font-size: 1.35rem; }
.featured h3 { color: white; }
.coverage-card p { margin: 0; color: var(--muted); font-size: .93rem; }
.featured p { color: #dcedff; }

.coordination { background: white; padding: 86px 0; border-block: 1px solid var(--line); }
.coordination-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 80px; align-items: center; }
.coordination-grid > p { color: var(--muted); font-size: 1.12rem; padding: 28px; border-left: 4px solid var(--blue); background: var(--blue-soft); border-radius: 0 16px 16px 0; }

.advisor { padding-top: 96px; padding-bottom: 96px; display: grid; grid-template-columns: .82fr 1.18fr; gap: 64px; align-items: center; }
.advisor-photo { height: 590px; border-radius: 28px; overflow: hidden; background: var(--navy); box-shadow: var(--shadow); }
.advisor-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; }
.advisor-copy > p:not(.eyebrow) { color: var(--muted); font-size: 1.05rem; }
blockquote { margin: 28px 0; padding-left: 22px; border-left: 4px solid var(--blue-bright); color: var(--navy); font-weight: 800; font-size: 1.35rem; }
.advisor-data { display: grid; gap: 3px; margin-bottom: 30px; font-size: .88rem; color: var(--muted); }
.advisor-data span:first-child { color: var(--ink); font-weight: 800; }
.advisor-data a { color: var(--navy); }
.secondary-cta { display: inline-flex; background: linear-gradient(135deg, var(--navy), var(--blue)); color: white; }

footer { background: var(--navy-2); color: #aebed6; padding: 34px 0; }
.footer-inner { display: flex; gap: 40px; align-items: center; justify-content: space-between; }
.footer-inner img { width: 300px; height: auto; display: block; }
.footer-inner p { max-width: 690px; margin: 0; font-size: .76rem; }

@media (max-width: 940px) {
  .hero { grid-template-columns: 1fr; padding-top: 48px; }
  .hero-copy { position: static; }
  .hero-proof { grid-template-columns: repeat(3, 1fr); }
  .hero-proof div { display: block; }
  .hero-proof strong, .hero-proof span { display: block; }
  .promise-grid { grid-template-columns: repeat(3, 1fr); row-gap: 22px; }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .coordination-grid, .advisor { grid-template-columns: 1fr; gap: 36px; }
  .advisor-photo { height: 520px; max-width: 480px; }
}

@media (max-width: 640px) {
  .shell { width: min(100% - 24px, 1180px); }
  .site-header { height: 70px; padding: 0 12px; }
  .brand { width: 185px; }
  .header-cta { padding: 9px 13px; font-size: .82rem; }
  .hero { gap: 30px; padding-top: 34px; padding-bottom: 52px; }
  .hero h1 { font-size: 2.6rem; }
  .hero-intro { font-size: 1rem; }
  .hero-proof { grid-template-columns: 1fr; }
  .hero-proof div { display: grid; grid-template-columns: 115px 1fr; }
  .calculator { padding: 22px 16px; margin-inline: -2px; border-radius: 22px; }
  .calculator-head h2 { font-size: 1.65rem; }
  .form-grid, .segmented { grid-template-columns: 1fr; }
  .segmented label > span { min-height: 64px; }
  .compact-choice { grid-template-columns: 1fr; gap: 4px; }
  .compact-choice legend { float: none; }
  .yes-no { grid-template-columns: 1fr 1fr; }
  .dependants-heading { align-items: flex-start; }
  .dependant-row { grid-template-columns: 1fr 92px 40px; }
  .result { padding: 20px 16px; }
  .result-topline { display: grid; }
  .main-price span { font-size: 3.5rem; }
  .payment-options { grid-template-columns: 1fr; }
  .whatsapp-actions { grid-template-columns: 1fr; }
  .promise-grid { grid-template-columns: 1fr 1fr; }
  .promise-grid div { padding-left: 12px; }
  .coverage { padding-top: 68px; padding-bottom: 68px; }
  .coverage-grid { grid-template-columns: 1fr; }
  .coverage-card { min-height: 210px; }
  .coordination { padding: 64px 0; }
  .coordination-grid > p { margin: 0; padding: 20px; }
  .advisor { padding-top: 68px; padding-bottom: 68px; }
  .advisor-photo { height: 440px; width: 100%; }
  .footer-inner { display: grid; gap: 20px; }
  .footer-inner img { width: 250px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}