/* ==========================================================================
   myliccalcculator.com - Modern Financial Design System
   Brand: MyLICCalculator.com | Multi-Page Architecture Design System
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@400;500;600;700;800&family=Plus+Jakarta+Sans:wght@400;500;600;700&display=swap');

:root {
  /* Color Palette - Light Mode */
  --bg-primary: #f8fafc;
  --bg-surface: #ffffff;
  --bg-surface-elevated: #ffffff;
  --bg-surface-subtle: #f1f5f9;
  --bg-surface-inset: #e2e8f0;
  
  --primary: #1d4ed8;
  --primary-hover: #1e40af;
  --primary-subtle: #eff6ff;
  --primary-border: #bfdbfe;

  --accent-gold: #f59e0b;
  --accent-gold-hover: #d97706;
  --accent-gold-subtle: #fef3c7;
  
  --lic-yellow: #facc15;
  --lic-yellow-text: #854d0e;

  --success: #10b981;
  --success-subtle: #ecfdf5;
  --warning: #f97316;
  --danger: #ef4444;

  --text-main: #0f172a;
  --text-muted: #64748b;
  --text-subtle: #94a3b8;
  --text-inverse: #ffffff;

  --border: #e2e8f0;
  --border-focus: #3b82f6;

  /* Elevation & Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.07), 0 2px 4px -2px rgba(0, 0, 0, 0.07);
  --shadow-lg: 0 10px 25px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
  --shadow-xl: 0 20px 30px -6px rgba(15, 23, 42, 0.12), 0 8px 10px -6px rgba(15, 23, 42, 0.08);
  --shadow-glow: 0 0 25px -5px rgba(29, 78, 216, 0.25);

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-full: 9999px;

  --transition-fast: 0.15s ease;
  --transition-normal: 0.25s ease;
  --transition-slow: 0.4s ease;

  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* Dark Mode Variables */
html.dark {
  --bg-primary: #090d16;
  --bg-surface: #111827;
  --bg-surface-elevated: #1f2937;
  --bg-surface-subtle: #182234;
  --bg-surface-inset: #111827;

  --primary: #3b82f6;
  --primary-hover: #60a5fa;
  --primary-subtle: rgba(59, 130, 246, 0.15);
  --primary-border: rgba(59, 130, 246, 0.3);

  --accent-gold: #fbbf24;
  --accent-gold-hover: #f59e0b;
  --accent-gold-subtle: rgba(251, 191, 36, 0.12);

  --lic-yellow: #fde047;
  --lic-yellow-text: #fef08a;

  --success: #34d399;
  --success-subtle: rgba(52, 211, 153, 0.15);

  --text-main: #f8fafc;
  --text-muted: #94a3b8;
  --text-subtle: #64748b;
  --text-inverse: #090d16;

  --border: #243048;
  --border-focus: #60a5fa;

  --shadow-sm: 0 1px 3px 0 rgba(0, 0, 0, 0.4);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 10px 25px -3px rgba(0, 0, 0, 0.5);
  --shadow-xl: 0 20px 30px -6px rgba(0, 0, 0, 0.7);
  --shadow-glow: 0 0 30px -5px rgba(59, 130, 246, 0.4);
}

/* Global Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

a {
  color: inherit;
  text-decoration: none;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-primary);
  color: var(--text-main);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Announcement Bar */
.announcement-bar {
  background: linear-gradient(90deg, #1e3a8a 0%, #1e40af 50%, #b45309 100%);
  color: #ffffff;
  font-size: 0.85rem;
  padding: 7px 16px;
  text-align: center;
  font-weight: 500;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 12px;
}

.announcement-bar .badge {
  background: #fbbf24;
  color: #0f172a;
  font-weight: 700;
  font-size: 0.75rem;
  padding: 2px 8px;
  border-radius: var(--radius-full);
}

/* Header & Dropdown Navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  transition: background-color var(--transition-normal);
}

html.dark .site-header {
  background: rgba(17, 24, 39, 0.92);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 20px;
}

.logo-wrapper {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: inherit;
  flex-shrink: 0;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, #1d4ed8 0%, #0284c7 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fbbf24;
  font-size: 1.4rem;
  font-weight: 800;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.3);
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--text-main);
  line-height: 1.1;
}

.logo-title span {
  color: var(--primary);
}

.logo-title .domain {
  color: var(--accent-gold);
}

.logo-subtitle {
  font-size: 0.72rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Nav Menu & Multi-Page Dropdowns */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-muted);
  text-decoration: none;
  transition: all var(--transition-fast);
  cursor: pointer;
}

.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: var(--primary-subtle);
}

/* Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  padding: 8px 0;
  display: none;
  z-index: 110;
  animation: fadeIn 0.2s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.nav-item:hover .dropdown-menu {
  display: block;
}

.dropdown-item {
  display: block;
  padding: 9px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-main);
  text-decoration: none;
  transition: all var(--transition-fast);
}

.dropdown-item:hover {
  background: var(--primary-subtle);
  color: var(--primary);
  padding-left: 22px;
}

.dropdown-divider {
  height: 1px;
  background: var(--border);
  margin: 6px 0;
}

.dropdown-header {
  font-size: 0.72rem;
  text-transform: uppercase;
  color: var(--text-subtle);
  font-weight: 800;
  padding: 4px 18px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.theme-toggle-btn {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-full);
  border: 1px solid var(--border);
  background: var(--bg-surface);
  color: var(--text-main);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: all var(--transition-fast);
}

.theme-toggle-btn:hover {
  background: var(--bg-surface-subtle);
  border-color: var(--primary);
  transform: rotate(15deg);
}

.btn-header-cta {
  background: linear-gradient(135deg, var(--primary) 0%, #2563eb 100%);
  color: #fff;
  padding: 8px 16px;
  border-radius: var(--radius-md);
  font-size: 0.88rem;
  font-weight: 700;
  border: none;
  text-decoration: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 6px;
  box-shadow: 0 4px 14px rgba(29, 78, 216, 0.25);
  transition: all var(--transition-fast);
}

.btn-header-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(29, 78, 216, 0.35);
}

/* Breadcrumbs */
.breadcrumb-bar {
  background: var(--bg-surface-subtle);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  font-size: 0.85rem;
}

.breadcrumb-list {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  flex-wrap: wrap;
}

.breadcrumb-list a {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 600;
  transition: color var(--transition-fast);
}

.breadcrumb-list a:hover {
  color: var(--primary);
}

.breadcrumb-separator {
  color: var(--text-subtle);
}

.breadcrumb-current {
  color: var(--text-main);
  font-weight: 700;
}

/* Hero Section */
.hero-section {
  padding: 44px 0 28px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero-glow {
  position: absolute;
  top: -100px;
  left: 50%;
  transform: translateX(-50%);
  width: 600px;
  height: 350px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.15) 0%, rgba(245, 158, 11, 0.08) 50%, transparent 80%);
  filter: blur(50px);
  pointer-events: none;
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 860px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  background: var(--accent-gold-subtle);
  border: 1px solid rgba(245, 158, 11, 0.3);
  color: #b45309;
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 14px;
}

html.dark .hero-badge {
  color: #fde047;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: 2.7rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--text-main);
  line-height: 1.18;
  margin-bottom: 14px;
}

.hero-title .highlight {
  background: linear-gradient(135deg, #1d4ed8 0%, #0284c7 50%, #f59e0b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: 1.08rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 24px;
}

/* Category Dashboard Hero */
.category-hero {
  padding: 40px 0 24px;
  border-bottom: 1px solid var(--border);
  background: var(--bg-surface-subtle);
}

.category-hero-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 30px;
}

.category-hero-text h1 {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 8px;
}

.category-hero-text p {
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 700px;
}

.category-stat-badge {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 16px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
}

.category-stat-num {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}

.category-stat-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
}

/* Category Grid on Home */
.category-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
  margin: 36px 0;
}

.category-card-item {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  position: relative;
  overflow: hidden;
}

.category-card-item:hover {
  transform: translateY(-4px);
  border-color: var(--primary);
  box-shadow: var(--shadow-xl);
}

.category-icon-bubble {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--primary-subtle);
  color: var(--primary);
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.category-card-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 6px;
}

.category-card-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 16px;
  flex: 1;
}

.category-card-link-text {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 4px;
}

/* Quick Search */
.plan-quick-search-wrapper {
  max-width: 640px;
  margin: 0 auto 30px;
  position: relative;
}

.search-input-group {
  display: flex;
  align-items: center;
  background: var(--bg-surface);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 6px 10px 6px 18px;
  box-shadow: var(--shadow-lg);
  transition: all var(--transition-fast);
}

.search-input-group:focus-within {
  border-color: var(--primary);
  box-shadow: var(--shadow-glow);
}

.search-icon {
  color: var(--text-subtle);
  font-size: 1.2rem;
  margin-right: 12px;
}

.plan-search-input {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-size: 1rem;
  color: var(--text-main);
  font-family: var(--font-body);
}

.plan-search-results {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  margin-top: 8px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  max-height: 320px;
  overflow-y: auto;
  z-index: 50;
  display: none;
}

.plan-search-results.active {
  display: block;
}

.search-result-item {
  padding: 12px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid var(--border);
  cursor: pointer;
  text-decoration: none;
  color: inherit;
  transition: background var(--transition-fast);
}

.search-result-item:hover {
  background: var(--primary-subtle);
}

.search-result-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-main);
}

.search-result-table {
  font-size: 0.8rem;
  color: var(--primary);
  font-weight: 600;
}

/* Calculator Grid Layout */
.calculator-app-wrapper {
  margin: 36px 0 60px;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 28px;
  align-items: start;
}

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

.glass-card {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.card-header-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}

.card-title-group h2, .card-title-group h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--text-main);
  line-height: 1.2;
}

.card-subtitle {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.plan-badge-pill {
  background: var(--primary-subtle);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  border: 1px solid var(--primary-border);
}

/* Form Controls */
.form-group {
  margin-bottom: 22px;
}

.form-label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.form-label {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-main);
}

.form-val-display {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
  background: var(--primary-subtle);
  padding: 2px 10px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--primary-border);
}

.custom-select {
  width: 100%;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border);
  background-color: var(--bg-surface);
  color: var(--text-main);
  font-size: 0.95rem;
  font-weight: 600;
  font-family: var(--font-body);
  outline: none;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.custom-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.range-slider-wrapper {
  position: relative;
  padding: 8px 0;
}

.custom-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--bg-surface-inset);
  outline: none;
  cursor: pointer;
}

.custom-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #ffffff;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: transform var(--transition-fast);
}

.quick-chips-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 10px;
}

.chip-btn {
  background: var(--bg-surface-subtle);
  border: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.chip-btn:hover, .chip-btn.active {
  background: var(--accent-gold-subtle);
  border-color: var(--accent-gold);
  color: #b45309;
}

html.dark .chip-btn.active {
  color: #fbbf24;
}

.segmented-control {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--bg-surface-subtle);
  padding: 4px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  gap: 4px;
}

.segment-item input {
  display: none;
}

.segment-item label {
  display: block;
  text-align: center;
  padding: 8px 6px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.segment-item input:checked + label {
  background: var(--bg-surface);
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.riders-container {
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: var(--bg-surface-subtle);
  padding: 14px 16px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--text-main);
}

.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--primary);
  cursor: pointer;
}

/* Results Display */
.results-hero-card {
  background: linear-gradient(145deg, #1e3a8a 0%, #1e40af 60%, #0f172a 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-xl);
  margin-bottom: 24px;
  position: relative;
  overflow: hidden;
}

.results-hero-card::after {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 140px;
  height: 140px;
  background: radial-gradient(circle, rgba(251, 191, 36, 0.25) 0%, transparent 70%);
  border-radius: 50%;
}

.results-main-badge {
  display: inline-block;
  background: rgba(251, 191, 36, 0.2);
  color: #fbbf24;
  border: 1px solid rgba(251, 191, 36, 0.4);
  font-size: 0.78rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 10px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.maturity-display-box {
  margin-bottom: 20px;
}

.maturity-label {
  font-size: 0.9rem;
  color: #93c5fd;
  font-weight: 600;
  margin-bottom: 4px;
}

.maturity-amount {
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 800;
  color: #fde047;
  line-height: 1;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}

.results-quick-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.quick-stat-item {
  display: flex;
  flex-direction: column;
}

.stat-label {
  font-size: 0.78rem;
  color: #cbd5e1;
}

.stat-val {
  font-size: 1.15rem;
  font-weight: 800;
  font-family: var(--font-heading);
  color: #ffffff;
}

.breakdown-card {
  margin-bottom: 24px;
}

.financial-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.financial-table tr {
  border-bottom: 1px solid var(--border);
}

.financial-table td {
  padding: 10px 0;
}

.financial-table td:last-child {
  text-align: right;
  font-weight: 700;
  color: var(--text-main);
  font-family: var(--font-heading);
}

.financial-table tr.total-row {
  border-top: 2px solid var(--border);
  border-bottom: none;
  font-weight: 800;
}

.financial-table tr.total-row td {
  padding-top: 14px;
  font-size: 1.05rem;
  color: var(--primary);
}

.premium-modes-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin: 18px 0;
}

.mode-item-card {
  background: var(--bg-surface-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 12px 8px;
  text-align: center;
}

.mode-item-title {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  margin-bottom: 4px;
}

.mode-item-price {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text-main);
}

.mode-item-tax {
  font-size: 0.7rem;
  color: var(--text-subtle);
}

/* Charts */
.charts-split-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

@media (max-width: 640px) {
  .charts-split-container {
    grid-template-columns: 1fr;
  }
}

.chart-box {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  box-shadow: var(--shadow-md);
  text-align: center;
}

.chart-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 12px;
}

canvas {
  width: 100% !important;
  max-width: 100%;
  height: auto !important;
  display: block;
}

/* Action Buttons */
.action-buttons-group {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.btn-action {
  flex: 1;
  min-width: 180px;
  padding: 12px 18px;
  border-radius: var(--radius-md);
  font-size: 0.92rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all var(--transition-fast);
}

.btn-primary-action {
  background: linear-gradient(135deg, var(--primary) 0%, #1e40af 100%);
  color: #fff;
  box-shadow: 0 4px 14px rgba(29, 78, 216, 0.3);
}

.btn-primary-action:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(29, 78, 216, 0.4);
}

.btn-whatsapp-action {
  background: #25d366;
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp-action:hover {
  background: #22c35e;
  transform: translateY(-2px);
}

.btn-secondary-action {
  background: var(--bg-surface);
  color: var(--text-main);
  border: 1px solid var(--border);
}

.btn-secondary-action:hover {
  background: var(--bg-surface-subtle);
  border-color: var(--text-muted);
}

/* Schedule Table */
.schedule-table-wrapper {
  margin-top: 36px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-lg);
}

.table-responsive {
  max-height: 480px;
  overflow-y: auto;
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
  text-align: right;
}

.schedule-table th, .schedule-table td {
  padding: 10px 14px;
}

.schedule-table th {
  position: sticky;
  top: 0;
  background: var(--bg-surface-elevated);
  font-weight: 700;
  color: var(--text-muted);
  border-bottom: 2px solid var(--border);
  z-index: 5;
}

.schedule-table th:first-child, .schedule-table td:first-child,
.schedule-table th:nth-child(2), .schedule-table td:nth-child(2) {
  text-align: center;
}

.schedule-table tbody tr {
  border-bottom: 1px solid var(--border);
  transition: background var(--transition-fast);
}

.schedule-table tbody tr:nth-child(even) {
  background: var(--bg-surface-subtle);
}

.schedule-table tbody tr:hover {
  background: var(--primary-subtle);
}

/* Policy Information & Details Section */
.policy-info-section {
  padding: 48px 0;
  border-top: 1px solid var(--border);
}

.info-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin-top: 24px;
}

.info-card {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 22px;
  box-shadow: var(--shadow-sm);
}

.info-card h4 {
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 10px;
  font-family: var(--font-heading);
}

.info-card ul {
  list-style: none;
  font-size: 0.88rem;
}

.info-card li {
  margin-bottom: 8px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.info-card li::before {
  content: "•";
  color: var(--primary);
  font-size: 1.2rem;
  line-height: 1;
}

/* Plan Explorer */
.plans-explorer-section {
  padding: 60px 0;
  background: var(--bg-surface-subtle);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 36px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 10px;
}

.section-desc {
  font-size: 1rem;
  color: var(--text-muted);
}

.plans-grid,
.plan-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

@media (max-width: 1024px) {
  .plans-grid,
  .plan-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .plans-grid,
  .plan-cards-grid {
    grid-template-columns: 1fr;
  }
}

.plan-card,
.plan-card-compact {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all var(--transition-normal);
  position: relative;
  overflow: hidden;
}

.plan-card:hover,
.plan-card-compact:hover {
  transform: translateY(-4px);
  border-color: var(--primary);
  box-shadow: var(--shadow-xl);
}

.plan-card-top,
.plan-compact-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.plan-tag,
.plan-compact-tag {
  font-size: 0.72rem;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: var(--radius-sm);
  background: var(--primary-subtle);
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.plan-compact-table {
  font-size: 0.75rem;
  font-weight: 800;
  color: #b45309;
  background: var(--accent-gold-subtle);
  padding: 3px 8px;
  border-radius: var(--radius-sm);
}

html.dark .plan-compact-table {
  color: #fde047;
}

.plan-card-title,
.plan-compact-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 6px;
  line-height: 1.2;
}

.plan-card-desc,
.plan-compact-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 14px;
  flex: 1;
}

.plan-compact-feature {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--success);
  background: var(--success-subtle);
  padding: 4px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 14px;
  align-self: flex-start;
}

.plan-features-list {
  list-style: none;
  margin-bottom: 16px;
}

.plan-features-list li {
  font-size: 0.82rem;
  color: var(--text-main);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.plan-features-list li::before {
  content: "✓";
  color: var(--success);
  font-weight: 800;
}

.btn-plan-calc,
.btn-compact-calc {
  background: var(--bg-surface-subtle);
  color: var(--primary);
  border: 1.5px solid var(--primary-border);
  padding: 10px 16px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 0.88rem;
  cursor: pointer;
  text-align: center;
  text-decoration: none;
  display: block;
  transition: all var(--transition-fast);
}

.btn-plan-calc:hover,
.btn-compact-calc:hover {
  background: var(--primary);
  color: #ffffff !important;
  border-color: var(--primary);
  box-shadow: 0 4px 14px rgba(29, 78, 216, 0.25);
}

/* Compare Table */
.compare-table {
  width: 100%;
  border-collapse: collapse;
}

.compare-table th, .compare-table td {
  padding: 14px 16px;
  border: 1px solid var(--border);
  text-align: left;
}

.compare-table th {
  background: var(--bg-surface-subtle);
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--primary);
}

/* FAQ */
.faq-section {
  padding: 60px 0;
}

.faq-list {
  max-width: 820px;
  margin: 0 auto;
}

.faq-item {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--border-focus);
}

.faq-question {
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--text-main);
  user-select: none;
}

.faq-chevron {
  font-size: 1.2rem;
  transition: transform var(--transition-fast);
}

.faq-item.open .faq-chevron {
  transform: rotate(180deg);
}

.faq-answer {
  display: none;
  padding: 0 22px 20px;
  font-size: 0.94rem;
  color: var(--text-muted);
  line-height: 1.65;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}

.faq-item.open .faq-answer {
  display: block;
}

/* Footer */
.site-footer {
  margin-top: auto;
  background: var(--bg-surface-elevated);
  border-top: 1px solid var(--border);
  padding: 48px 0 24px;
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 36px;
}

@media (max-width: 860px) {
  .footer-top {
    grid-template-columns: 1fr;
    gap: 24px;
  }
}

.footer-brand p {
  margin-top: 12px;
  font-size: 0.9rem;
  color: var(--text-muted);
  max-width: 360px;
}

.footer-col h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 14px;
}

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

.footer-links li {
  margin-bottom: 8px;
}

.footer-links a {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.88rem;
  transition: color var(--transition-fast);
}

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

.disclaimer-box {
  background: var(--bg-surface-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 24px;
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  color: var(--text-muted);
}

/* Printable Proposal Quotation Styles */
@media print {
  body {
    background: #ffffff !important;
    color: #000000 !important;
  }

  .site-header,
  .announcement-bar,
  .hero-section,
  .breadcrumb-bar,
  .plan-quick-search-wrapper,
  .action-buttons-group,
  .plans-explorer-section,
  .policy-info-section,
  .interlink-section,
  .prev-next-nav,
  .faq-section,
  .site-footer,
  .theme-toggle-btn {
    display: none !important;
  }

  .calc-grid {
    display: block !important;
  }

  .glass-card {
    border: 1px solid #ccc !important;
    box-shadow: none !important;
    padding: 15px !important;
    page-break-inside: avoid;
  }

  .results-hero-card {
    background: #f1f5f9 !important;
    color: #000 !important;
    border: 2px solid #0f172a !important;
    box-shadow: none !important;
  }

  .results-hero-card * {
    color: #000 !important;
    text-shadow: none !important;
  }

  .schedule-table-wrapper {
    page-break-before: always;
  }

  .table-responsive {
    max-height: none !important;
    overflow: visible !important;
  }
}

/* ==========================================
   INTERLINKING & RELATED POLICIES STYLES
   ========================================== */
.interlink-section {
  padding: 50px 0;
  border-top: 1px solid var(--border);
  background: var(--bg-surface-subtle);
}

.interlink-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin-top: 24px;
}

.interlink-card,
a.interlink-card {
  background: var(--bg-surface) !important;
  border: 1.5px solid var(--border) !important;
  border-radius: var(--radius-lg) !important;
  padding: 22px !important;
  text-decoration: none !important;
  color: var(--text-main) !important;
  display: flex !important;
  flex-direction: column !important;
  transition: all var(--transition-normal) !important;
  box-shadow: var(--shadow-sm) !important;
  position: relative !important;
  overflow: hidden;
}

.interlink-card:hover,
a.interlink-card:hover {
  transform: translateY(-4px) !important;
  border-color: var(--primary) !important;
  box-shadow: var(--shadow-xl) !important;
}

.interlink-card *,
a.interlink-card * {
  text-decoration: none !important;
}

.interlink-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.interlink-card-title {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--text-main) !important;
  margin-bottom: 6px;
}

.interlink-card-desc {
  font-size: 0.88rem;
  color: var(--text-muted) !important;
  margin-bottom: 18px;
  flex: 1;
  line-height: 1.5;
}

.interlink-card-action {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary) !important;
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
}

.interlink-card:hover .interlink-card-action {
  color: var(--primary-hover) !important;
  transform: translateX(3px);
}

/* Tool Cross-link Cards */
.tool-interlink-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  margin-top: 20px;
}

.tool-interlink-card,
a.tool-interlink-card {
  background: var(--bg-surface) !important;
  border: 1px solid var(--border) !important;
  border-radius: var(--radius-md) !important;
  padding: 16px !important;
  display: flex !important;
  align-items: center !important;
  gap: 14px !important;
  text-decoration: none !important;
  color: var(--text-main) !important;
  transition: all var(--transition-fast) !important;
}

.tool-interlink-card:hover,
a.tool-interlink-card:hover {
  border-color: var(--accent-gold) !important;
  background: var(--accent-gold-subtle) !important;
  transform: translateX(4px) !important;
}

.tool-interlink-card *,
a.tool-interlink-card * {
  text-decoration: none !important;
}

.tool-interlink-icon {
  font-size: 1.8rem;
  flex-shrink: 0;
}

.tool-interlink-info h5 {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 2px;
}

.tool-interlink-info p {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.3;
}

/* Prev/Next Navigation Bar */
.prev-next-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 24px 0;
  margin-top: 24px;
  border-top: 1px solid var(--border);
}

.prev-next-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--text-main);
  background: var(--bg-surface);
  border: 1px solid var(--border);
  padding: 12px 18px;
  border-radius: var(--radius-md);
  font-size: 0.88rem;
  font-weight: 700;
  transition: all var(--transition-fast);
}

.prev-next-btn:hover {
  border-color: var(--primary);
  background: var(--primary-subtle);
  color: var(--primary);
}

/* ==========================================
   OFFICIAL LIC TRUST & BENCHMARK STATS BANNER
   ========================================== */
.lic-trust-banner-section {
  padding: 44px 0;
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.lic-trust-banner-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(251, 191, 36, 0.15) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.trust-stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
  margin-top: 28px;
}

.trust-stat-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: center;
  transition: all var(--transition-normal);
}

.trust-stat-card:hover {
  transform: translateY(-4px);
  background: rgba(255, 255, 255, 0.12);
  border-color: #fbbf24;
}

.trust-stat-icon {
  font-size: 2rem;
  margin-bottom: 8px;
}

.trust-stat-number {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 800;
  color: #fbbf24;
  line-height: 1.1;
  margin-bottom: 6px;
}

.trust-stat-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: #f8fafc;
  margin-bottom: 4px;
}

.trust-stat-sub {
  font-size: 0.78rem;
  color: #94a3b8;
}

/* ==========================================
   INTERACTIVE POLICY FINDER (INSURANCE SELECTOR)
   ========================================== */
.policy-finder-section {
  padding: 60px 0;
  background: var(--bg-surface-subtle);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.finder-box-card {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}

.finder-steps-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 30px;
}

@media (max-width: 860px) {
  .finder-steps-row {
    grid-template-columns: 1fr;
  }
}

.finder-step-group h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.finder-step-badge {
  background: var(--primary);
  color: #ffffff;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
}

.finder-options-grid {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.finder-btn-option {
  background: var(--bg-surface-subtle);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px 14px;
  text-align: left;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-main);
  cursor: pointer;
  transition: all var(--transition-fast);
  display: flex;
  align-items: center;
  gap: 10px;
}

.finder-btn-option:hover {
  border-color: var(--primary);
  background: var(--primary-subtle);
}

.finder-btn-option.selected {
  border-color: var(--primary);
  background: var(--primary);
  color: #ffffff;
}

.finder-result-card {
  background: linear-gradient(135deg, rgba(29, 78, 216, 0.08) 0%, rgba(245, 158, 11, 0.08) 100%);
  border: 2px solid var(--primary-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.finder-result-info h3 {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 6px;
}

.finder-result-info p {
  font-size: 0.95rem;
  color: var(--text-muted);
  max-width: 600px;
}

/* ==========================================
   CUSTOMER SERVICES & OFFICIAL FORMS STYLES
   ========================================== */
.services-quick-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin: 40px 0;
}

.service-card-item {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  position: relative;
}

.service-card-item:hover {
  transform: translateY(-4px);
  border-color: var(--primary);
  box-shadow: var(--shadow-xl);
}

.service-card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--primary-subtle);
  color: var(--primary);
  font-size: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.service-card-item.whatsapp-featured {
  border-color: #22c55e;
  background: linear-gradient(180deg, rgba(34, 197, 94, 0.04) 0%, var(--bg-surface) 100%);
}

.service-card-item.whatsapp-featured .service-card-icon {
  background: rgba(34, 197, 94, 0.15);
  color: #16a34a;
}

.service-card-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 8px;
}

.service-card-desc {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 18px;
  flex: 1;
  line-height: 1.5;
}

.btn-whatsapp-direct {
  background: #22c55e;
  color: #ffffff !important;
  font-weight: 700;
  padding: 10px 18px;
  border-radius: var(--radius-md);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: background var(--transition-fast);
}

.btn-whatsapp-direct:hover {
  background: #16a34a;
}

/* Forms Directory Table */
.forms-table-wrapper {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  margin-top: 24px;
}

.forms-table {
  width: 100%;
  border-collapse: collapse;
}

.forms-table th {
  background: var(--bg-surface-subtle);
  padding: 14px 18px;
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 2px solid var(--border);
  text-align: left;
}

.forms-table td {
  padding: 16px 18px;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text-main);
  vertical-align: middle;
}

.forms-table tr:hover {
  background: var(--bg-surface-subtle);
}

.form-id-badge {
  background: var(--primary-subtle);
  color: var(--primary);
  font-weight: 800;
  font-size: 0.82rem;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  display: inline-block;
  white-space: nowrap;
}

.form-dl-btn {
  background: var(--bg-surface);
  border: 1.5px solid var(--primary);
  color: var(--primary) !important;
  font-weight: 700;
  font-size: 0.82rem;
  padding: 6px 14px;
  border-radius: var(--radius-md);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.form-dl-btn:hover {
  background: var(--primary);
  color: #ffffff !important;
}

.search-forms-input {
  width: 100%;
  max-width: 450px;
  padding: 10px 16px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border);
  background: var(--bg-surface);
  color: var(--text-main);
  font-size: 0.95rem;
  outline: none;
  transition: border var(--transition-fast);
}

.search-forms-input:focus {
  border-color: var(--primary);
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, #2563eb 100%);
  color: #ffffff !important;
  font-weight: 800;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  box-shadow: 0 4px 14px rgba(29, 78, 216, 0.3);
  transition: all var(--transition-fast);
  cursor: pointer;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(29, 78, 216, 0.4);
}

/* ==========================================================================
   Policy Finder Wizard & Dedicated Plan Deep-Dive CTA Styles
   ========================================================================== */
.policy-finder-section {
  padding: 50px 0;
  background: var(--bg-surface);
  border-top: 1px solid var(--border);
}

.finder-box-card {
  background: var(--bg-surface-elevated);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

.finder-steps-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-bottom: 28px;
}

.finder-step-group h4 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.finder-step-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-size: 0.78rem;
  font-weight: 800;
}

.finder-options-grid {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.finder-btn-option {
  width: 100%;
  text-align: left;
  padding: 11px 16px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border);
  background: var(--bg-surface-subtle);
  color: var(--text-main);
  font-size: 0.88rem;
  font-weight: 600;
  font-family: var(--font-body);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.finder-btn-option:hover {
  border-color: var(--primary);
  background: var(--primary-subtle);
  color: var(--primary);
}

.finder-btn-option.selected {
  border-color: var(--primary);
  background: var(--primary-subtle);
  color: var(--primary);
  box-shadow: 0 0 0 1px var(--primary);
  font-weight: 700;
}

.finder-result-card {
  background: linear-gradient(135deg, rgba(29, 78, 216, 0.08) 0%, rgba(245, 158, 11, 0.08) 100%);
  border: 2px solid var(--primary-border);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.finder-result-info {
  flex: 1;
  min-width: 280px;
}

.finder-result-info h3 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 6px;
}

.finder-result-info p {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.5;
  margin: 0;
}

/* Dedicated Plan Deep Dive CTA Banner */
.dedicated-page-banner {
  background: linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 50%, #0369a1 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  box-shadow: var(--shadow-lg);
}

.dedicated-banner-text {
  flex: 1;
  min-width: 280px;
}

.banner-plan-tag {
  font-size: 0.72rem;
  font-weight: 800;
  color: #fde047;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.dedicated-banner-text h4 {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 6px;
}

.dedicated-banner-text p {
  font-size: 0.88rem;
  color: #bfdbfe;
  line-height: 1.45;
  margin: 0;
}

.btn-dedicated-link {
  background: #facc15;
  color: #1e3a8a !important;
  font-weight: 800;
  font-size: 0.92rem;
  padding: 12px 22px;
  border-radius: var(--radius-md);
  text-decoration: none;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
  transition: all var(--transition-fast);
}

.btn-dedicated-link:hover {
  background: #fde047;
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 0, 0, 0.3);
}

/* ==========================================================================
   Content & Legal Pages (About Us, Disclaimer, Privacy Policy)
   ========================================================================== */

.content-page-hero {
  background: linear-gradient(180deg, var(--bg-surface) 0%, var(--bg-primary) 100%);
  border-bottom: 1px solid var(--border);
  padding: 48px 0 36px;
  position: relative;
  overflow: hidden;
}

.content-page-hero .hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary-subtle);
  border: 1px solid var(--primary-border);
  color: var(--primary);
  font-weight: 700;
  font-size: 0.82rem;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 14px;
}

.content-page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--text-main);
  line-height: 1.25;
  margin-bottom: 12px;
}

.content-page-hero p.subtitle {
  font-size: 1.08rem;
  color: var(--text-muted);
  max-width: 820px;
  line-height: 1.65;
  margin: 0;
}

.content-body-section {
  padding: 44px 0 72px;
}

.content-container-narrow {
  max-width: 980px;
  margin: 0 auto;
}

.legal-card {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 30px;
  transition: border-color var(--transition-normal);
}

.legal-card:hover {
  border-color: var(--primary-border);
}

.legal-card h2 {
  font-family: var(--font-heading);
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.legal-card h3 {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-main);
  margin: 24px 0 10px;
}

.legal-card p {
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.75;
  margin-bottom: 16px;
}

.legal-card p:last-child {
  margin-bottom: 0;
}

.legal-card strong {
  color: var(--text-main);
}

.legal-card ul, .legal-card ol {
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.75;
  margin: 12px 0 18px 24px;
}

.legal-card li {
  margin-bottom: 8px;
}

.legal-callout {
  background: var(--bg-surface-subtle);
  border-left: 4px solid var(--primary);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 18px 22px;
  margin: 22px 0;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.legal-callout.warning {
  border-left-color: var(--accent-gold);
  background: var(--accent-gold-subtle);
}

.legal-callout.success {
  border-left-color: var(--success);
  background: var(--success-subtle);
}

.legal-callout-icon {
  font-size: 1.4rem;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 2px;
}

.legal-callout-content {
  font-size: 0.93rem;
  color: var(--text-main);
  line-height: 1.6;
}

.legal-callout-content p {
  margin: 0;
  color: var(--text-main);
}

/* About Us Stats Grid */
.about-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-bottom: 32px;
}

.about-stat-box {
  background: var(--bg-surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  text-align: center;
  transition: all var(--transition-fast);
}

.about-stat-box:hover {
  border-color: var(--primary);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.about-stat-number {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  margin-bottom: 6px;
}

.about-stat-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 4px;
}

.about-stat-sub {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.35;
}

/* Feature 2-Column Grid for About Us */
.about-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin: 24px 0;
}

.about-feature-item {
  background: var(--bg-surface-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.about-feature-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
}

.about-feature-text h4 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 6px;
}

.about-feature-text p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 0;
}

/* Quick Nav Pill Links on Legal Pages */
.legal-quick-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  padding: 14px 18px;
  border-radius: var(--radius-md);
}

.legal-quick-nav span.nav-label {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  margin-right: 6px;
}

.legal-quick-nav a {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  background: var(--primary-subtle);
  padding: 5px 12px;
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}

.legal-quick-nav a:hover {
  background: var(--primary);
  color: #ffffff;
}

@media (max-width: 900px) {
  .about-stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .about-features-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .legal-card {
    padding: 24px 18px;
  }
  .about-stats-grid {
    grid-template-columns: 1fr;
  }
}