/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  color: #1E293B;
  background: #FAFAFA;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* === TOKENS === */
:root {
  --primary: #4F46E5;
  --primary-dark: #4338CA;
  --primary-light: #EEF2FF;
  --secondary: #7C3AED;
  --green: #10B981;
  --amber: #F59E0B;
  --red: #EF4444;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow: 0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.06);
  --shadow-lg: 0 20px 50px rgba(0,0,0,.1), 0 8px 20px rgba(0,0,0,.06);
  --shadow-xl: 0 32px 80px rgba(0,0,0,.12);
}

/* === CONTAINER === */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* === BUTTONS === */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: #fff; border: none; border-radius: var(--radius-sm);
  padding: 10px 20px; font-weight: 600; font-size: 14px;
  cursor: pointer; transition: all .2s; box-shadow: 0 4px 14px rgba(79,70,229,.3);
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 8px 20px rgba(79,70,229,.4); }
.btn-primary.btn-lg { padding: 14px 28px; font-size: 15px; border-radius: var(--radius); }
.btn-primary.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn-primary.btn-full { width: 100%; justify-content: center; }

.btn-ghost { color: var(--gray-600); font-weight: 500; font-size: 14px; padding: 10px 16px; border-radius: var(--radius-sm); transition: background .2s; }
.btn-ghost:hover { background: var(--gray-100); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--primary);
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm);
  padding: 10px 20px; font-weight: 600; font-size: 14px;
  cursor: pointer; transition: all .2s;
}
.btn-outline:hover { border-color: var(--primary); background: var(--primary-light); }
.btn-outline.btn-lg { padding: 14px 28px; font-size: 15px; border-radius: var(--radius); }
.btn-outline.btn-full { width: 100%; justify-content: center; }

.btn-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; color: var(--primary);
  border: none; border-radius: var(--radius);
  padding: 14px 28px; font-weight: 700; font-size: 15px;
  cursor: pointer; transition: all .2s; box-shadow: var(--shadow);
}
.btn-white:hover { transform: translateY(-1px); box-shadow: var(--shadow-lg); }

.btn-outline-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: #fff;
  border: 1.5px solid rgba(255,255,255,.5); border-radius: var(--radius);
  padding: 14px 28px; font-weight: 600; font-size: 15px;
  cursor: pointer; transition: all .2s;
}
.btn-outline-white:hover { border-color: #fff; background: rgba(255,255,255,.1); }

/* === GRADIENT TEXT === */
.gradient-text {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

/* === SECTION COMMONS === */
.section-header { text-align: center; margin-bottom: 60px; }
.section-badge {
  display: inline-block; background: var(--primary-light); color: var(--primary);
  font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em;
  padding: 5px 14px; border-radius: 100px; margin-bottom: 16px;
}
.badge-light { background: rgba(255,255,255,.15); color: #fff; }
.section-title { font-size: clamp(28px, 4vw, 40px); font-weight: 800; color: var(--gray-900); line-height: 1.2; margin-bottom: 16px; }
.section-subtitle { font-size: 17px; color: var(--gray-500); max-width: 560px; margin: 0 auto; line-height: 1.7; }

/* =========================
   NAVBAR
   ========================= */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.9); backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gray-200);
}
.nav-inner { display: flex; align-items: center; gap: 32px; height: 68px; }
.logo { display: flex; align-items: center; gap: 10px; }
.logo-text { font-size: 20px; font-weight: 800; color: var(--gray-900); letter-spacing: -.02em; }
.logo-icon { display: flex; align-items: center; }
.nav-links { display: flex; align-items: center; gap: 4px; flex: 1; }
.nav-links a {
  font-size: 14px; font-weight: 500; color: var(--gray-600); padding: 6px 12px;
  border-radius: var(--radius-sm); transition: all .2s;
}
.nav-links a:hover { color: var(--primary); background: var(--primary-light); }
.nav-actions { display: flex; align-items: center; gap: 8px; margin-left: auto; }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-hamburger span { width: 24px; height: 2px; background: var(--gray-700); border-radius: 2px; display: block; }
.mobile-menu { display: none; flex-direction: column; gap: 4px; padding: 16px 24px; border-top: 1px solid var(--gray-200); }
.mobile-menu a { font-size: 15px; font-weight: 500; color: var(--gray-700); padding: 10px 0; border-bottom: 1px solid var(--gray-100); }
.mobile-menu .btn-primary { margin-top: 8px; justify-content: center; }
.mobile-menu.open { display: flex; }

/* =========================
   HERO
   ========================= */
.hero {
  position: relative; overflow: hidden;
  padding: 100px 0 80px; min-height: 90vh;
  display: flex; align-items: center;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-grid {
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(79,70,229,.06) 1px, transparent 1px);
  background-size: 32px 32px;
}
.hero-blob {
  position: absolute; border-radius: 50%; filter: blur(80px);
}
.blob-1 {
  width: 600px; height: 600px; top: -200px; right: -100px;
  background: radial-gradient(circle, rgba(79,70,229,.12), rgba(124,58,237,.06));
}
.blob-2 {
  width: 400px; height: 400px; bottom: -100px; left: 10%;
  background: radial-gradient(circle, rgba(16,185,129,.08), rgba(79,70,229,.04));
}
.container.hero-inner {
  position: relative; z-index: 1; max-width: 600px; padding-left: 24px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary-light); color: var(--primary);
  font-size: 13px; font-weight: 600; padding: 6px 14px;
  border-radius: 100px; margin-bottom: 24px;
  border: 1px solid rgba(79,70,229,.15);
}
.badge-dot {
  width: 8px; height: 8px; background: var(--green);
  border-radius: 50%; animation: pulse 2s infinite;
}
@keyframes pulse { 0%,100% { opacity:1; } 50% { opacity:.4; } }
.hero-title {
  font-size: clamp(36px, 5vw, 58px); font-weight: 900;
  color: var(--gray-900); line-height: 1.1; margin-bottom: 20px;
  letter-spacing: -.03em;
}
.hero-subtitle { font-size: 17px; color: var(--gray-500); margin-bottom: 36px; line-height: 1.7; max-width: 500px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.stat-item { display: flex; flex-direction: column; }
.stat-number { font-size: 22px; font-weight: 800; color: var(--gray-900); letter-spacing: -.02em; }
.stat-label { font-size: 12px; color: var(--gray-400); font-weight: 500; }
.stat-divider { width: 1px; height: 32px; background: var(--gray-200); }

.hero-visual {
  position: absolute; right: 5%; top: 50%; transform: translateY(-50%);
  width: 420px; z-index: 1;
}

/* Document Mockup */
.document-mockup {
  background: #fff; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl); overflow: hidden;
  border: 1px solid var(--gray-200);
}
.doc-header {
  background: var(--gray-50); border-bottom: 1px solid var(--gray-200);
  display: flex; align-items: center; gap: 12px; padding: 12px 16px;
}
.doc-dots { display: flex; gap: 6px; }
.doc-dots span { width: 10px; height: 10px; border-radius: 50%; }
.doc-dots span:nth-child(1) { background: #FF5F57; }
.doc-dots span:nth-child(2) { background: #FFBD2E; }
.doc-dots span:nth-child(3) { background: #28CA41; }
.doc-title-bar { font-size: 11px; color: var(--gray-500); font-weight: 500; }
.doc-body { padding: 20px; }
.doc-line {
  height: 8px; border-radius: 4px; background: var(--gray-100); margin-bottom: 8px;
}
.doc-line.long { width: 90%; }
.doc-line.medium { width: 70%; }
.doc-line.short { width: 50%; }
.doc-section { margin: 16px 0; }
.doc-signatures {
  display: flex; gap: 16px; margin: 20px 0 12px;
  padding: 16px; background: var(--gray-50); border-radius: var(--radius-sm);
}
.sig-block { flex: 1; }
.sig-name { font-size: 10px; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 6px; }
.sig-line { height: 40px; border-radius: 6px; display: flex; align-items: center; justify-content: center; }
.sig-line.signed { background: var(--primary-light); }
.sig-line.pending { background: var(--gray-100); border: 1.5px dashed var(--gray-300); }
.pending-text { font-size: 10px; color: var(--gray-400); font-style: italic; }
.sig-badge {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 10px; font-weight: 600; margin-top: 6px; padding: 2px 8px;
  border-radius: 100px;
}
.signed-badge { background: #ECFDF5; color: #065F46; }
.pending-badge { background: #FFFBEB; color: #92400E; }
.doc-shield {
  display: flex; align-items: center; gap: 6px;
  font-size: 10px; color: var(--primary); font-weight: 600;
  background: var(--primary-light); padding: 6px 10px; border-radius: 6px;
}

/* Floating cards */
.floating-card {
  position: absolute; background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 12px 16px;
  display: flex; align-items: center; gap: 10px;
  border: 1px solid var(--gray-200); animation: float 4s ease-in-out infinite;
}
@keyframes float { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-6px)} }
.card-trust { bottom: -20px; left: -30px; animation-delay: .5s; }
.card-notify { top: -10px; right: -20px; animation-delay: 1.5s; }
.fc-title { font-size: 12px; font-weight: 700; color: var(--gray-800); }
.fc-sub { font-size: 11px; color: var(--gray-400); }
.notif-icon { width: 32px; height: 32px; background: var(--primary-light); border-radius: 8px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.notif-time { font-size: 10px; color: var(--gray-400); margin-left: auto; white-space: nowrap; }

/* =========================
   TRUST BAR
   ========================= */
.trust-bar { padding: 40px 0; border-bottom: 1px solid var(--gray-200); }
.trust-label { text-align: center; font-size: 13px; color: var(--gray-400); font-weight: 500; margin-bottom: 24px; text-transform: uppercase; letter-spacing: .06em; }
.trust-logos { display: flex; justify-content: center; align-items: center; gap: 48px; flex-wrap: wrap; opacity: .6; }
.trust-logo { display: flex; align-items: center; }

/* =========================
   HOW IT WORKS
   ========================= */
.how-it-works { padding: 100px 0; background: var(--gray-50); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; position: relative; }
.step-card {
  background: #fff; border-radius: var(--radius-lg); padding: 36px 28px;
  box-shadow: var(--shadow); border: 1px solid var(--gray-200);
  position: relative; transition: transform .2s, box-shadow .2s;
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.step-number {
  font-size: 48px; font-weight: 900; letter-spacing: -.04em;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: 16px; line-height: 1;
}
.step-icon {
  width: 60px; height: 60px; background: var(--primary-light);
  border-radius: var(--radius); display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.step-card h3 { font-size: 18px; font-weight: 700; color: var(--gray-900); margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--gray-500); line-height: 1.7; }
.step-connector {
  position: absolute; right: -16px; top: 50%; transform: translateY(-50%);
  width: 32px; height: 2px; background: linear-gradient(90deg, var(--primary), var(--secondary));
  z-index: 1;
}
.step-connector::after {
  content: ''; position: absolute; right: -6px; top: -4px;
  border: 5px solid transparent; border-left-color: var(--secondary);
}

/* =========================
   SERVICES
   ========================= */
.services { padding: 100px 0; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: #fff; border-radius: var(--radius-lg); padding: 28px;
  border: 1px solid var(--gray-200); box-shadow: var(--shadow-sm);
  transition: all .25s;
}
.service-card:hover { border-color: var(--primary); box-shadow: var(--shadow), 0 0 0 1px rgba(79,70,229,.1); transform: translateY(-2px); }
.service-card.featured {
  border-color: var(--primary); background: linear-gradient(135deg, var(--primary-light), rgba(124,58,237,.03));
  box-shadow: var(--shadow), 0 0 0 1px rgba(79,70,229,.15);
}
.service-icon {
  width: 52px; height: 52px; background: var(--primary-light);
  border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.service-tag {
  display: inline-block; background: var(--primary); color: #fff;
  font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .07em;
  padding: 3px 8px; border-radius: 100px; margin-bottom: 10px;
}
.service-card h3 { font-size: 16px; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
.service-card p { font-size: 13px; color: var(--gray-500); line-height: 1.65; margin-bottom: 16px; }
.service-features { list-style: none; display: flex; flex-direction: column; gap: 7px; }
.service-features li { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--gray-600); font-weight: 500; }

/* =========================
   INSURANCE
   ========================= */
.insurance {
  padding: 100px 0;
  background: linear-gradient(160deg, #0F172A 0%, #1E1B4B 50%, #0F172A 100%);
  position: relative; overflow: hidden;
}
.insurance::before {
  content: ''; position: absolute;
  width: 600px; height: 600px; background: radial-gradient(circle, rgba(79,70,229,.2), transparent 70%);
  top: -200px; right: -100px; pointer-events: none;
}
.insurance-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.insurance .section-badge { background: rgba(255,255,255,.1); color: rgba(255,255,255,.8); }
.insurance .section-title { color: #fff; }
.insurance .section-subtitle { color: rgba(255,255,255,.6); text-align: left; margin: 0 0 36px; }
.insurance-features { display: flex; flex-direction: column; gap: 24px; margin-bottom: 36px; }
.ins-feature { display: flex; gap: 16px; }
.ins-icon { flex-shrink: 0; margin-top: 2px; }
.ins-feature strong { display: block; font-size: 15px; color: #fff; margin-bottom: 4px; }
.ins-feature p { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.6; }

.insurance-card {
  background: rgba(255,255,255,.05); backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius-xl);
  padding: 28px; box-shadow: 0 32px 80px rgba(0,0,0,.4);
}
.ic-header { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.ic-name { font-size: 16px; font-weight: 700; color: #fff; }
.ic-sub { font-size: 12px; color: rgba(255,255,255,.5); }
.ic-status {
  margin-left: auto; background: rgba(16,185,129,.15); color: #34D399;
  font-size: 11px; font-weight: 700; padding: 4px 12px; border-radius: 100px;
  border: 1px solid rgba(52,211,153,.2);
}
.ic-divider { height: 1px; background: rgba(255,255,255,.08); margin: 20px 0; }
.ic-details { display: flex; flex-direction: column; gap: 14px; }
.ic-row { display: flex; justify-content: space-between; align-items: center; }
.ic-row span { font-size: 13px; color: rgba(255,255,255,.5); }
.ic-row strong { font-size: 13px; color: #fff; font-weight: 600; }
.text-green { color: #34D399 !important; }
.ic-footer { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.ic-price { display: flex; align-items: baseline; gap: 4px; }
.price-from { font-size: 12px; color: rgba(255,255,255,.5); }
.price-amount { font-size: 28px; font-weight: 800; color: #fff; letter-spacing: -.02em; }
.price-period { font-size: 13px; color: rgba(255,255,255,.5); }

.ins-badge-row { display: flex; gap: 8px; margin-top: 16px; flex-wrap: wrap; }
.ins-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.7); font-size: 11px; font-weight: 600;
  padding: 5px 12px; border-radius: 100px;
}

/* =========================
   PRICING
   ========================= */
.pricing { padding: 100px 0; background: var(--gray-50); }
.pricing-toggle {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  margin-bottom: 48px; font-size: 14px; font-weight: 600; color: var(--gray-600);
}
.pricing-toggle .active { color: var(--primary); }
.toggle-switch { position: relative; width: 44px; height: 24px; }
.toggle-switch input { opacity: 0; width: 0; height: 0; }
.toggle-slider {
  position: absolute; inset: 0; background: var(--gray-300); border-radius: 100px;
  cursor: pointer; transition: background .2s;
}
.toggle-slider::before {
  content: ''; position: absolute; width: 18px; height: 18px;
  background: #fff; border-radius: 50%; left: 3px; top: 3px;
  transition: transform .2s; box-shadow: var(--shadow-sm);
}
.toggle-switch input:checked ~ .toggle-slider { background: var(--primary); }
.toggle-switch input:checked ~ .toggle-slider::before { transform: translateX(20px); }
.save-badge {
  background: #ECFDF5; color: #065F46; font-size: 11px;
  padding: 2px 8px; border-radius: 100px; font-weight: 700;
}
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.pricing-card {
  background: #fff; border-radius: var(--radius-xl); padding: 32px;
  border: 1px solid var(--gray-200); position: relative; transition: all .2s;
}
.pricing-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.pricing-card.popular {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-color: transparent; box-shadow: 0 20px 50px rgba(79,70,229,.3);
}
.pricing-card.popular .plan-name,
.pricing-card.popular .plan-price,
.pricing-card.popular .price-currency,
.pricing-card.popular .price-per,
.pricing-card.popular .plan-desc,
.pricing-card.popular .plan-features li { color: rgba(255,255,255,.9) !important; }
.pricing-card.popular .plan-features li { filter: brightness(1.2); }
.pricing-card.popular .plan-features svg circle { fill: rgba(255,255,255,.15) !important; }
.pricing-card.popular .plan-features svg path { stroke: #fff !important; }
.popular-badge {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--amber); color: #fff; font-size: 11px; font-weight: 700;
  padding: 4px 16px; border-radius: 100px; white-space: nowrap;
  box-shadow: 0 4px 12px rgba(245,158,11,.4);
}
.plan-name { font-size: 14px; font-weight: 700; color: var(--gray-500); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 12px; }
.plan-price { display: flex; align-items: baseline; gap: 2px; margin-bottom: 8px; }
.price-currency { font-size: 20px; font-weight: 700; color: var(--gray-900); }
.price-value { font-size: 48px; font-weight: 900; color: var(--gray-900); letter-spacing: -.04em; line-height: 1; }
.price-per { font-size: 14px; color: var(--gray-400); margin-left: 2px; }
.plan-desc { font-size: 13px; color: var(--gray-500); margin-bottom: 24px; line-height: 1.6; }
.plan-features { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 28px; }
.plan-features li { display: flex; align-items: center; gap: 9px; font-size: 14px; color: var(--gray-700); }
.plan-features li.disabled { color: var(--gray-300); }
.price-value.hidden { display: none; }

/* =========================
   TESTIMONIALS
   ========================= */
.testimonials { padding: 100px 0; }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: #fff; border-radius: var(--radius-lg); padding: 28px;
  border: 1px solid var(--gray-200); box-shadow: var(--shadow-sm);
  transition: all .2s;
}
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.testimonial-card.featured-test {
  background: linear-gradient(135deg, var(--primary-light), rgba(124,58,237,.05));
  border-color: rgba(79,70,229,.2);
}
.stars { color: #F59E0B; font-size: 16px; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card p { font-size: 14px; color: var(--gray-600); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700; flex-shrink: 0;
}
.author-name { font-size: 14px; font-weight: 700; color: var(--gray-800); }
.author-role { font-size: 12px; color: var(--gray-400); }

/* =========================
   CTA FINAL
   ========================= */
.cta-final {
  padding: 100px 0; text-align: center; position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
}
.cta-bg { position: absolute; inset: 0; pointer-events: none; }
.cta-blob {
  position: absolute; width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(255,255,255,.08), transparent 70%);
  top: -200px; left: 50%; transform: translateX(-50%);
  border-radius: 50%;
}
.cta-inner { position: relative; z-index: 1; }
.cta-shield {
  width: 72px; height: 72px; background: rgba(255,255,255,.1);
  border-radius: var(--radius-lg); display: flex; align-items: center;
  justify-content: center; margin: 0 auto 24px;
  border: 1px solid rgba(255,255,255,.2);
}
.cta-final h2 {
  font-size: clamp(28px, 4vw, 44px); font-weight: 900; color: #fff;
  margin-bottom: 16px; line-height: 1.2; letter-spacing: -.02em;
}
.cta-final p { font-size: 17px; color: rgba(255,255,255,.75); max-width: 520px; margin: 0 auto 36px; }
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 20px; }
.cta-note { font-size: 13px; color: rgba(255,255,255,.5); }

/* =========================
   FOOTER
   ========================= */
.footer { background: var(--gray-900); padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer-brand .logo-text { color: #fff; }
.footer-brand p { font-size: 13px; color: var(--gray-400); margin: 12px 0 20px; max-width: 260px; line-height: 1.65; }
.social-links { display: flex; gap: 8px; }
.social-link {
  width: 34px; height: 34px; background: rgba(255,255,255,.06); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-400); transition: all .2s;
  border: 1px solid rgba(255,255,255,.06);
}
.social-link:hover { background: var(--primary); color: #fff; border-color: transparent; }
.footer-col h4 { font-size: 13px; font-weight: 700; color: #fff; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 16px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 13px; color: var(--gray-400); transition: color .2s; }
.footer-col ul a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06); padding: 24px 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: var(--gray-500); }
.footer-badges { display: flex; gap: 8px; }
.footer-badges span {
  font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em;
  color: var(--gray-500); background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.06);
  padding: 4px 10px; border-radius: 6px;
}

/* =========================
   RESPONSIVE
   ========================= */
@media (max-width: 1024px) {
  .hero-visual { display: none; }
  .hero { padding: 80px 0 60px; min-height: auto; }
  .container.hero-inner { max-width: 100%; }
  .steps-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .step-connector { display: none; }
  .step-card:last-child { grid-column: 1/-1; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .insurance-inner { grid-template-columns: 1fr; gap: 48px; }
  .insurance-visual { order: -1; }
  .insurance .section-badge { display: inline-block; }
  .pricing-grid { grid-template-columns: 1fr 1fr; }
  .pricing-grid .pricing-card:last-child { grid-column: 1/-1; max-width: 360px; margin: 0 auto; width: 100%; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid .testimonial-card:last-child { grid-column: 1/-1; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-actions { display: none; }
  .nav-hamburger { display: flex; }
  .steps-grid { grid-template-columns: 1fr; }
  .step-card:last-child { grid-column: auto; }
  .services-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .pricing-grid .pricing-card:last-child { grid-column: auto; max-width: none; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .testimonials-grid .testimonial-card:last-child { grid-column: auto; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero-stats { gap: 16px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn-primary, .hero-actions .btn-outline { width: 100%; justify-content: center; }
}