:root {
  --primary: #1e40af;
  --primary-hover: #1d4ed8;
  --primary-light: #eff6ff;
  --primary-border: #bfdbfe;
  --accent: #059669;
  --accent-hover: #047857;
  --accent-light: #ecfdf5;
  --dark: #0f172a;
  --slate-900: #0f172a;
  --slate-800: #1e293b;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-400: #94a3b8;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50: #f8fafc;
  --white: #ffffff;
  --emerald: #10b981;
  --amber: #f59e0b;
  --rose: #f43f5e;
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --shadow-md: 0 10px 15px -3px rgb(0 0 0 / 0.08), 0 4px 6px -4px rgb(0 0 0 / 0.04);
  --shadow-lg: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.08);
  --radius-sm: 6px;
  --radius: 12px;
  --radius-lg: 18px;
}

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

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--slate-800);
  background-color: var(--slate-50);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.max-w-reading {
  max-width: 840px;
  margin: 0 auto;
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

/* Top Bar */
.top-bar {
  background: linear-gradient(90deg, #1e3a8a 0%, #1d4ed8 100%);
  color: #eff6ff;
  font-size: 0.85rem;
  padding: 0.5rem 1rem;
  text-align: center;
  font-weight: 500;
  letter-spacing: -0.01em;
}
.top-bar strong {
  color: #fbbf24;
}

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--slate-200);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 75px;
}

.brand-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}
.brand-logo img {
  height: 48px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.4rem;
}

.nav-links a {
  text-decoration: none;
  color: var(--slate-600);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.4rem 0.6rem;
  border-radius: var(--radius-sm);
  transition: all 0.2s ease;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--primary);
  background: var(--primary-light);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.75rem 1.4rem;
  border-radius: 8px;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.2s ease;
  border: none;
}

.btn-primary {
  background: var(--accent);
  color: var(--white);
  box-shadow: 0 4px 10px rgba(5, 150, 105, 0.25);
}
.btn-primary:hover {
  background: var(--accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 14px rgba(5, 150, 105, 0.35);
  color: var(--white);
}

.btn-secondary {
  background: var(--white);
  color: var(--primary);
  border: 1.5px solid var(--primary-border);
}
.btn-secondary:hover {
  background: var(--primary-light);
  border-color: var(--primary);
}

.btn-dark {
  background: var(--slate-900);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--slate-800);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.85rem;
}
.btn-lg {
  padding: 1rem 2rem;
  font-size: 1.1rem;
}
.btn-block {
  width: 100%;
}

/* Hero Section */
.hero {
  background: linear-gradient(180deg, #eff6ff 0%, #ffffff 100%);
  padding: 3.5rem 0 3rem;
  border-bottom: 1px solid var(--slate-200);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3rem;
  align-items: center;
}

.hero-content h1 {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.03em;
  color: var(--slate-900);
  margin-bottom: 1.2rem;
}
.hero-content h1 .highlight {
  background: linear-gradient(120deg, #1e40af, #2563eb);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-desc {
  font-size: 1.15rem;
  color: var(--slate-600);
  margin-bottom: 1.8rem;
  line-height: 1.6;
}

.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 1.8rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--slate-200);
}
.stat-item h3 {
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}
.stat-item p {
  font-size: 0.85rem;
  color: var(--slate-500);
  margin-top: 0.25rem;
}

.hero-media {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--slate-200);
  padding: 1.8rem;
  width: 100%;
  max-width: 440px;
}
.hero-card h3 {
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 1rem;
  color: var(--slate-900);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* Category Filter Bar */
.category-bar-section {
  padding: 1.5rem 0;
  background: var(--white);
  border-bottom: 1px solid var(--slate-200);
}
.category-pills {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
}
.cat-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.55rem 1.1rem;
  background: var(--slate-100);
  color: var(--slate-700);
  border-radius: 9999px;
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  transition: all 0.2s;
  border: 1px solid transparent;
}
.cat-pill:hover {
  background: var(--primary-light);
  color: var(--primary);
  border-color: var(--primary-border);
}
.cat-pill.active {
  background: var(--primary);
  color: var(--white);
}

/* Insurers List / Scorecards (BrandChoose Style) */
.scorecards-section {
  padding: 3rem 0;
}
.section-header {
  margin-bottom: 2rem;
}
.section-header h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--slate-900);
  letter-spacing: -0.02em;
}
.section-header p {
  color: var(--slate-600);
  font-size: 1.05rem;
  margin-top: 0.4rem;
}

.insurer-cards-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.insurer-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1.5px solid var(--slate-200);
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}
.insurer-card:hover {
  border-color: #93c5fd;
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.insurer-card.featured {
  border-color: #3b82f6;
  border-width: 2px;
}

.top-badge-ribbon {
  background: linear-gradient(90deg, #1e40af, #2563eb);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.35rem 1rem;
  display: inline-block;
  border-bottom-right-radius: 8px;
}
.top-badge-ribbon.emerald {
  background: linear-gradient(90deg, #059669, #10b981);
}
.top-badge-ribbon.amber {
  background: linear-gradient(90deg, #d97706, #f59e0b);
}
.top-badge-ribbon.red {
  background: linear-gradient(90deg, #dc2626, #ef4444);
}
.top-badge-ribbon.pink {
  background: linear-gradient(90deg, #db2777, #f43f5e);
}
.top-badge-ribbon.teal {
  background: linear-gradient(90deg, #0f766e, #14b8a6);
}

.card-grid {
  display: grid;
  grid-template-columns: 200px 1fr 220px;
  align-items: center;
  padding: 1.75rem;
  gap: 2rem;
}

.insurer-identity {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.5rem;
}
.insurer-logo-box {
  width: 100%;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--slate-900);
  letter-spacing: -0.02em;
}
.insurer-meta {
  font-size: 0.82rem;
  color: var(--slate-500);
}
.rating-stars {
  color: #f59e0b;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.25rem;
  font-weight: 700;
}
.rating-stars span {
  color: var(--slate-700);
  font-size: 0.85rem;
}

.insurer-details {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.insurer-details .best-for {
  font-size: 0.95rem;
  color: var(--slate-800);
  font-weight: 600;
}
.insurer-details .best-for strong {
  color: var(--primary);
}

.highlights-list {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.4rem 1rem;
}
.highlights-list li {
  font-size: 0.85rem;
  color: var(--slate-600);
  position: relative;
  padding-left: 1.25rem;
}
.highlights-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 800;
}

.coverage-tags {
  display: flex;
  gap: 0.35rem;
  flex-wrap: wrap;
  margin-top: 0.25rem;
}
.cov-tag {
  font-size: 0.72rem;
  background: var(--slate-100);
  color: var(--slate-700);
  padding: 0.15rem 0.55rem;
  border-radius: 4px;
  font-weight: 600;
  text-transform: uppercase;
}

.insurer-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  border-left: 1px solid var(--slate-200);
  padding-left: 1.5rem;
}

.score-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-bottom: 0.75rem;
}
.score-circle {
  font-family: 'JetBrains Mono', monospace;
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}
.score-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--slate-500);
  letter-spacing: 0.05em;
  margin-top: 0.2rem;
}

.price-hint {
  font-size: 0.8rem;
  color: var(--slate-500);
  margin-bottom: 0.8rem;
}
.price-hint strong {
  font-size: 1.1rem;
  color: var(--slate-900);
}

.card-footer-accordion {
  border-top: 1px solid var(--slate-100);
  background: #fafcff;
  padding: 0.85rem 1.75rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: var(--slate-600);
}
.accordion-toggle {
  color: var(--primary);
  text-decoration: none;
  font-weight: 600;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.accordion-toggle:hover {
  text-decoration: underline;
}

.card-expanded-content {
  display: none;
  border-top: 1px solid var(--slate-200);
  padding: 1.5rem 1.75rem;
  background: var(--white);
}
.card-expanded-content.active {
  display: block;
}
.pros-cons-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.pros-box, .cons-box {
  background: var(--slate-50);
  padding: 1.2rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--slate-200);
}
.pros-box h4 {
  color: var(--accent);
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
  display: flex;
  align-items: center;
  gap: 0.3rem;
}
.cons-box h4 {
  color: #dc2626;
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
  display: flex;
  align-items: center;
  gap: 0.3rem;
}
.pros-box ul, .cons-box ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.pros-box li, .cons-box li {
  font-size: 0.85rem;
  color: var(--slate-700);
}

/* Interactive Calculator Widget */
.calc-widget {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-lg);
  padding: 2.2rem;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 2rem;
}
.form-group {
  margin-bottom: 1.2rem;
}
.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--slate-800);
  margin-bottom: 0.4rem;
}
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--slate-300);
  border-radius: 8px;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--slate-900);
  background: var(--white);
  transition: border-color 0.2s;
}
.form-control:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30, 64, 175, 0.1);
}
.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  cursor: pointer;
  color: var(--slate-700);
  font-weight: 500;
}
.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--primary);
}

.calc-result-box {
  background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 100%);
  color: var(--white);
  border-radius: var(--radius);
  padding: 1.8rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  text-align: center;
}
.calc-result-box h4 {
  font-size: 1rem;
  font-weight: 600;
  color: #bfdbfe;
}
.est-rate {
  font-family: 'JetBrains Mono', monospace;
  font-size: 3rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  margin: 0.5rem 0;
}
.est-rate span {
  font-size: 1.1rem;
  font-weight: 500;
  color: #93c5fd;
}
.savings-tag {
  background: rgba(16, 185, 129, 0.2);
  border: 1px solid #10b981;
  color: #34d399;
  padding: 0.4rem 0.8rem;
  border-radius: 9999px;
  font-size: 0.82rem;
  font-weight: 700;
  display: inline-block;
  margin-bottom: 1rem;
}

/* Comparison Matrix Table */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--slate-200);
  background: var(--white);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}
.compare-table th {
  background: var(--slate-900);
  color: var(--white);
  padding: 1rem 1.25rem;
  font-size: 0.88rem;
  font-weight: 700;
  white-space: nowrap;
}
.compare-table td {
  padding: 1.1rem 1.25rem;
  border-bottom: 1px solid var(--slate-200);
  font-size: 0.92rem;
  color: var(--slate-700);
}
.compare-table tr:hover td {
  background: #f8fafc;
}

/* Content & Guide Section */
.guide-section {
  padding: 3rem 0;
  background: var(--white);
  border-top: 1px solid var(--slate-200);
  border-bottom: 1px solid var(--slate-200);
}
.guide-content h2 {
  font-size: 1.85rem;
  font-weight: 800;
  margin-bottom: 1.2rem;
  color: var(--slate-900);
}
.guide-content h3 {
  font-size: 1.35rem;
  font-weight: 700;
  margin: 1.5rem 0 0.8rem;
  color: var(--slate-900);
}
.guide-content p {
  margin-bottom: 1.2rem;
  color: var(--slate-600);
  line-height: 1.7;
}
.guide-content ul {
  margin-bottom: 1.4rem;
  padding-left: 1.5rem;
  color: var(--slate-600);
}
.guide-content li {
  margin-bottom: 0.4rem;
}

/* FAQ Accordion */
.faq-section {
  padding: 3rem 0;
}
.faq-grid {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.8rem;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 1.4rem 1.6rem;
}
.faq-item h4 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 0.5rem;
}
.faq-item p {
  color: var(--slate-600);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Trust Badges */
.trust-bar {
  background: var(--slate-100);
  border-top: 1px solid var(--slate-200);
  border-bottom: 1px solid var(--slate-200);
  padding: 1.2rem 0;
}
.trust-bar-inner {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--slate-600);
}

/* Footer */
.site-footer {
  background: var(--slate-900);
  color: #94a3b8;
  padding: 4rem 0 2rem;
  font-size: 0.9rem;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-desc {
  font-size: 0.88rem;
  color: #94a3b8;
  margin: 1rem 0 1.2rem;
  line-height: 1.6;
}
.security-badges {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.badge-pill {
  font-size: 0.78rem;
  color: #cbd5e1;
  background: rgba(255, 255, 255, 0.05);
  padding: 0.3rem 0.6rem;
  border-radius: 4px;
  display: inline-block;
  width: fit-content;
}
.footer-links-group h4 {
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1.1rem;
}
.footer-links-group ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.footer-links-group a {
  color: #94a3b8;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-links-group a:hover {
  color: var(--white);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
}
.disclaimer-box {
  background: rgba(0, 0, 0, 0.25);
  padding: 1.2rem 1.4rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1.5rem;
  border-left: 3px solid #3b82f6;
}
.disclaimer-box p {
  font-size: 0.78rem;
  line-height: 1.6;
  color: #94a3b8;
}
.copyright {
  text-align: center;
  font-size: 0.8rem;
  color: #64748b;
}

/* Responsive */
@media (max-width: 992px) {
  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero-stats {
    justify-content: center;
  }
  .card-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 1.2rem;
  }
  .insurer-identity {
    align-items: center;
  }
  .insurer-action {
    border-left: none;
    border-top: 1px solid var(--slate-200);
    padding-left: 0;
    padding-top: 1.2rem;
  }
  .highlights-list {
    grid-template-columns: 1fr;
    text-align: left;
  }
  .calc-grid {
    grid-template-columns: 1fr;
  }
  .footer-inner {
    grid-template-columns: 1fr 1fr;
  }
  .nav-links {
    display: none;
  }
}
@media (max-width: 576px) {
  .hero-content h1 {
    font-size: 2rem;
  }
  .footer-inner {
    grid-template-columns: 1fr;
  }
}