*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background: #f8fafc;
    color: #334155;
    line-height: 1.5;
    -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; height: auto; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
ul { list-style: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.text-center { text-align: center; }

.home-hero {
    background: #fffaf5; 
    padding: 120px 0 80px;
    overflow: hidden;
}

.home-hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 48px;
    display: flex;
    align-items: center;
    gap: 60px;
}

.home-hero-text {
    flex: 1;
    max-width: 560px;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.home-chip {
    font-size: 11px;
    font-weight: 700;
    color: #ea580c; 
    text-transform: uppercase;
    letter-spacing: 1px;
    background: #ffedd5; 
    padding: 6px 14px;
    border-radius: 4px;
    width: fit-content;
}

.home-hero-text h1 {
    font-family: 'Poppins', 'Inter', sans-serif;
    font-size: 48px;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -1px;
    color: #0f172a;
}

.home-hero-text p {
    font-size: 16px;
    line-height: 1.6;
    color: #475569;
}

.home-hero-img {
    flex: 1;
    max-width: 480px;
    border-radius: 16px;
}

.home-hero-cta {
    margin-top: 10px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.btn-primary {
    background: #ea580c;
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    padding: 14px 32px;
    border-radius: 8px;
    width: fit-content;
    display: inline-flex;
    justify-content: center;
    align-items: center;
    transition: all 0.3s;
    box-shadow: 0 4px 14px rgba(234, 88, 12, 0.25);
}
.btn-primary:hover {
    background: #c2410c;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(234, 88, 12, 0.35);
}

.btn-outline {
    border: 2px solid #ea580c;
    color: #ea580c;
    font-weight: 600;
    padding: 12px 32px;
    border-radius: 8px;
    transition: all 0.3s;
}
.btn-outline:hover {
    background: #ffedd5;
}

.home-hero-perks {
    display: flex;
    align-items: center;
    gap: 24px;
}

.home-hero-perks span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: #64748b;
    font-weight: 500;
}

.home-section {
    padding: 80px 0;
    background: #fff;
}
.home-section:nth-child(even) {
    background: #f8fafc;
}

.section-title {
    font-family: 'Poppins', 'Inter', sans-serif;
    font-size: 36px;
    font-weight: 700;
    color: #0f172a;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}
.section-subtitle {
    font-size: 16px;
    color: #475569;
    max-width: 600px;
    margin: 0 auto 40px;
    line-height: 1.6;
}

.coverage-grid-four {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.coverage-card {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 32px 24px;
    text-align: left;
    transition: all 0.3s;
    box-shadow: 0 4px 6px rgba(0,0,0,0.02);
}
.coverage-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 24px rgba(0,0,0,0.06);
}

.coverage-icon {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    margin-bottom: 24px;
}
.icon-red { background: #ffe4e6; color: #e11d48; }
.icon-purple { background: #f3e8ff; color: #9333ea; }
.icon-blue { background: #e0f2fe; color: #0ea5e9; }
.icon-green { background: #dcfce7; color: #16a34a; }

.coverage-card h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 18px;
    font-weight: 700;
    color: #0f172a;
    margin-bottom: 16px;
}

.coverage-list.short-list li {
    font-size: 13px;
    margin-bottom: 12px;
}
.coverage-list li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    color: #475569;
    line-height: 1.5;
}
.coverage-list li svg { flex-shrink: 0; margin-top: 2px; }
.check-orange { color: #ea580c; }

.pricing-grid-three {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.pricing-card {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 40px 30px;
    text-align: left;
    position: relative;
    display: flex;
    flex-direction: column;
    box-shadow: 0 4px 6px rgba(0,0,0,0.02);
}
.pricing-card.highlight {
    border: 2px solid #ea580c;
    box-shadow: 0 10px 25px rgba(234, 88, 12, 0.15);
    transform: scale(1.02);
    z-index: 1;
}

.pricing-badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    font-size: 12px;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 20px;
    white-space: nowrap;
}
.badge-orange { background: #ffedd5; color: #ea580c; }

.pricing-header {
    text-align: center;
    margin-bottom: 30px;
}
.pricing-header h3 { font-size: 22px; font-weight: 800; color: #0f172a; margin-bottom: 8px; font-family: 'Poppins', sans-serif;}
.price-subtitle-home { font-size: 14px; color: #64748b; margin-bottom: 4px; min-height: 42px;}

.pricing-features {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 30px;
    flex: 1;
}
.pricing-features li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding-left: 20px;
    position: relative;
}
.pricing-features li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 6px;
    width: 10px;
    height: 10px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ea580c' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E");
    background-size: cover;
}

.feat-not-included { opacity: 0.45; }
.feat-not-included .feat-content strong::before { content: ''; }
.feat-not-included strong,
.feat-not-included span { color: #94a3b8; }
.pricing-features li.feat-not-included::before { content: '\00D7'; color: #94a3b8; font-size: 16px; font-weight: 700; }
.feat-content strong {
    display: block;
    font-size: 15px;
    color: #0f172a;
    font-weight: 700;
    margin-bottom: 2px;
}
.feat-content span {
    display: block;
    font-size: 13px;
    color: #64748b;
    line-height: 1.4;
}

.btn-pricing {
    width: 100%;
    padding: 14px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 15px;
    transition: all 0.3s;
    text-align: center;
}
.btn-pricing-orange { background: #ea580c; color: #fff; }
.btn-pricing-purple { background: #9333ea; color: #fff; }
.btn-pricing:hover { opacity: 0.9; transform: translateY(-2px); }

.process-container {
    display: flex;
    gap: 60px;
    margin-top: 40px;
    text-align: left;
}
.align-items-center { align-items: center; }
.process-image { flex: 1; }
.process-image img { border-radius: 16px; box-shadow: 0 20px 40px rgba(0,0,0,0.1); }
.process-steps {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 20px;
}
.process-step {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: #fff;
    padding: 20px;
    border-radius: 12px;
    border: 1px solid #e2e8f0;
}
.claims-step { align-items: center; }

.step-icon {
    width: 40px;
    height: 40px;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    font-weight: 700;
    font-family: 'Poppins', sans-serif;
    flex-shrink: 0;
}
.icon-purple-bg { background: #9333ea; }
.claims-orange { background: #ea580c; }

.step-text h4 {
    font-size: 14px;
    font-weight: 700;
    color: #0f172a;
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.step-text p { font-size: 14px; color: #475569; line-height: 1.5; }
.claims-step p { font-size: 15px; color: #334155; font-weight: 500; margin-bottom: 0; }

.process-actions {
    margin-top: 40px;
    display: flex;
    justify-content: center;
    gap: 16px;
}

.faq-container {
    max-width: 800px;
    margin: 40px auto 0;
    text-align: left;
}
.faq-item {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    margin-bottom: 16px;
}
.faq-item summary {
    padding: 24px;
    font-weight: 600;
    font-size: 16px;
    color: #0f172a;
    cursor: pointer;
    list-style: none; 
    position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
    content: '+';
    position: absolute;
    right: 24px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 24px;
    font-weight: 400;
    color: #ea580c;
    transition: transform 0.2s;
}
.faq-item[open] summary::after { content: '−'; }
.faq-answer {
    padding: 0 24px 24px;
    color: #475569;
    font-size: 15px;
    line-height: 1.6;
}

.bottom-cta.home-cta {
    background: linear-gradient(135deg, #ea580c, #c2410c); 
    color: #fff;
    padding: 80px 48px;
    text-align: center;
}
.bottom-cta h2 {
    font-family: 'Poppins', sans-serif;
    font-size: 40px;
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}
.bottom-cta p {
    font-size: 18px;
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}
.btn-white {
    display: inline-block;
    background: #fff;
    color: #ea580c;
    font-weight: 600;
    padding: 14px 36px;
    border-radius: 8px;
    font-size: 16px;
    transition: all 0.3s;
}
.btn-white:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(0,0,0,0.15);
}
.footer-links-small {
    margin-top: 24px !important;
    font-size: 13px !important;
    opacity: 0.7 !important;
    letter-spacing: 0.5px;
}

.footer {
    background: #0f172a;
    padding: 72px 0 32px;
    color: #94a3b8;
    border-top: 1px solid #1e293b;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 2fr;
    gap: 48px;
    margin-bottom: 48px;
}
.footer-brand img { height: 36px; margin-bottom: 20px; }
.footer-brand p { font-size: 14px; line-height: 1.6; max-width: 300px; color: #64748b; }
.footer-contact-info { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.contact-row { display: flex; align-items: flex-start; gap: 8px; }
.contact-row svg { flex-shrink: 0; margin-top: 2px; }
.contact-row span { font-size: 13px; color: #94a3b8; line-height: 1.5; }
.footer-links h4, .footer-newsletter h4 { color: #fff; font-size: 14px; font-weight: 700; margin-bottom: 18px; letter-spacing: 0.3px; }
.footer-links a { display: block; font-size: 13px; margin-bottom: 10px; color: #94a3b8; transition: color 0.2s, padding-left 0.2s; }
.footer-links a:hover { color: #fff; padding-left: 4px; }
.footer-newsletter p { font-size: 13px; margin-bottom: 16px; color: #64748b; line-height: 1.5; }
.newsletter-input { display: flex; }
.newsletter-input input {
    flex: 1; padding: 11px 14px; border-radius: 10px 0 0 10px; border: 1px solid #334155; border-right: none;
    background: #1e293b; color: #fff; font-size: 13px; outline: none; transition: border-color 0.2s;
}
.newsletter-input input:focus { border-color: #ea580c; }
.newsletter-input input::placeholder { color: #64748b; }
.newsletter-input button {
    padding: 0 20px; border: none; background: #ea580c; color: #fff; font-weight: 600; font-size: 13px;
    border-radius: 0 10px 10px 0; cursor: pointer; transition: background 0.25s;
}
.newsletter-input button:hover { background: #c2410c; }
.footer-bottom { padding-top: 24px; border-top: 1px solid #1e293b; text-align: center; font-size: 13px; color: #475569; }

@media (max-width: 900px) {
    .home-hero-container { flex-direction: column; text-align: center; padding-top: 40px; }
    .home-chip, .btn-primary { margin-left: auto; margin-right: auto; }
    .home-hero-perks { justify-content: center; }
    .home-hero-text h1 { font-size: 36px; }
    .coverage-grid-four { grid-template-columns: 1fr 1fr; }
    .pricing-grid-three { grid-template-columns: 1fr; }
    .process-container { flex-direction: column; text-align: center; }
    .process-step { text-align: left; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}
@media (max-width: 500px) {
    .coverage-grid-four { grid-template-columns: 1fr; }