*, *::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; }

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

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

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

.life-chip {
    font-size: 11px;
    font-weight: 700;
    color: #e11d48;
    text-transform: uppercase;
    letter-spacing: 1px;
    background: #ffe4e6;
    padding: 6px 14px;
    border-radius: 4px;
    width: fit-content;
}

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

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

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

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

.btn-primary {
    background: #e11d48;
    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(225, 29, 72, 0.25);
}
.btn-primary:hover {
    background: #be123c;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(225, 29, 72, 0.35);
}

.btn-outline {
    border: 2px solid #e11d48;
    color: #e11d48;
    font-weight: 600;
    padding: 12px 32px;
    border-radius: 8px;
    transition: all 0.3s;
}
.btn-outline:hover {
    background: #ffe4e6;
}

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

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

.life-section {
    padding: 80px 0;
    background: #fff;
}
.life-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-grid-three {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.coverage-card {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 32px;
    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; }
.icon-orange { background: #ffedd5; color: #ea580c; }
.icon-green2 { background: #dcfce7; color: #10b981; }

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

.coverage-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.coverage-list li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 14px;
    color: #475569;
    line-height: 1.5;
}
.coverage-list li svg { flex-shrink: 0; margin-top: 2px; }
.check-red { color: #e11d48; }

.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 #e11d48;
    box-shadow: 0 10px 25px rgba(225, 29, 72, 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-pink { background: #ffe4e6; color: #e11d48; }

.pricing-header {
    text-align: center;
    margin-bottom: 30px;
}
.pricing-header h3 { font-size: 20px; font-weight: 800; color: #0f172a; margin-bottom: 8px; font-family: 'Poppins', sans-serif;}
.price-subtitle-life { 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='%23e11d48' 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-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-pink { background: #e11d48; color: #fff; }
.btn-pricing-default { background: #f1f5f9; color: #475569; border: 1px solid #cbd5e1; }
.btn-pricing-default:hover { background: #e2e8f0; }
.btn-pricing:hover:not(.btn-pricing-default) { opacity: 0.9; transform: translateY(-2px); }

.process-container {
    display: flex;
    align-items: flex-start; 
    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;
    background: #e11d48;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    font-weight: 700;
    font-family: 'Poppins', sans-serif;
    flex-shrink: 0;
}

.step-text h4 {
    font-size: 16px;
    font-weight: 700;
    color: #0f172a;
    margin-bottom: 4px;
}
.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: #e11d48;
    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.life-cta {
    background: linear-gradient(135deg, #be123c, #881337); 
    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: #e11d48;
    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: #e11d48; }
.newsletter-input input::placeholder { color: #64748b; }
.newsletter-input button {
    padding: 0 20px; border: none; background: #e11d48; 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: #be123c; }
.footer-bottom { padding-top: 24px; border-top: 1px solid #1e293b; text-align: center; font-size: 13px; color: #475569; }

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

@media (max-width: 768px) {
    .life-hero-section { padding: 100px 20px 48px !important; }
    .life-hero-title { font-size: 28px !important; }
    .life-hero-buttons { flex-direction: column; gap: 10px; }
    .life-hero-buttons a, .life-hero-buttons button { width: 100%; justify-content: center; }

    .life-plans-grid { grid-template-columns: 1fr !important; gap: 16px !important; }
    .life-benefits-grid { grid-template-columns: 1fr !important; }
    .life-section { padding: 40px 20px !important; }
    .life-section-title { font-size: 22px !important; }
}

@media (max-width: 768px) {

    .life-hero {
        padding: 90px 24px 36px !important;
        min-height: auto !important;
    }

    .life-hero-title {
        font-size: 30px !important;
        font-weight: 800 !important;
        line-height: 1.2 !important;
        letter-spacing: -0.02em !important;
        margin-bottom: 12px !important;
    }

    .life-hero-subtitle {
        font-size: 14px !important;
        line-height: 1.6 !important;
        margin-bottom: 24px !important;
    }

    .life-hero-image {
        width: 100% !important;
        height: 220px !important;
        object-fit: cover !important;
        border-radius: 14px !important;
        margin-top: 24px !important;
    }

    .life-hero-buttons {
        flex-direction: column !important;
        gap: 10px !important;
        width: 100% !important;
    }

    .life-hero-buttons a,
    .life-hero-buttons button {
        width: 100% !important;
        justify-content: center !important;
        min-height: 50px !important;
        border-radius: 10px !important;
        font-size: 15px !important;
    }

    .life-section {
        padding: 36px 24px !important;
    }

    .life-section-title, .section-title {
        font-size: 22px !important;
        font-weight: 700 !important;
        margin-bottom: 6px !important;
    }

    .life-plans-grid {
        display: flex !important;
        flex-direction: column !important;
        gap: 14px !important;
    }

    .life-plan-card {
        width: 100% !important;
        border-radius: 14px !important;
        padding: 20px !important;
    }

    .life-plan-price {
        font-size: 28px !important;
        font-weight: 800 !important;
    }

    .life-benefits-grid {
        display: flex !important;
        flex-direction: column !important;
        gap: 0 !important;
    }

    .benefit-item {
        display: flex !important;
        flex-direction: row !important;
        align-items: flex-start !important;
        gap: 14px !important;
        padding: 14px 0 !important;
        border-bottom: 1px solid #f1f5f9;
    }
    .benefit-item:last-child { border-bottom: none; }

    .benefit-icon {
        width: 36px !important;
        height: 36px !important;
        flex-shrink: 0;
    }

    .benefit-item h3 { font-size: 14px !important; font-weight: 700 !important; }
    .benefit-item p { font-size: 12px !important; line-height: 1.5; }
}

@media (max-width: 768px) {
    .container,
    [class$="-container"],
    [class*="hero-container"],
    [class*="page-container"],
    [class*="section-container"],
    .checkout-grid,
    .quote-main {
        padding-left: 20px !important;
        padding-right: 20px !important;
        width: 100% !important;
        max-width: 100% !important;
        box-sizing: border-box !important;
    }
}