:root {
  --color-primary: #5E6267;
  --color-primary-dark: #2D3033;
  --color-accent: #D86C00;
  --color-accent-hover: #B85C00;
  --color-gold: #C97828;
  --color-navy: #2B2B5E;
  --color-bg-light: #F8F9FA;
  --color-bg-card: #FFFFFF;
  --color-border: #E2E8F0;
  --color-text-main: #2D3748;
  --color-text-muted: #718096;
  --font-main: 'Kumbh Sans', system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --radius-sm: 6px;
  --radius-md: 12px;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.06);
  --shadow-md: 0 10px 25px -5px rgba(0,0,0,0.08);
  --shadow-lg: 0 20px 35px -10px rgba(0,0,0,0.12);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: var(--font-main); color: var(--color-text-main); background-color: #FFFFFF; line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; }
a { color: var(--color-accent); text-decoration: none; transition: all 0.25s ease; }
a:hover { color: var(--color-accent-hover); }
img { max-width: 100%; height: auto; display: block; }

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

/* Site Header */
.site-header { background: #FFFFFF; position: sticky; top: 0; z-index: 1000; box-shadow: var(--shadow-sm); border-bottom: 1px solid var(--color-border); }
.header-inner { display: flex; justify-content: space-between; align-items: center; padding: 15px 0; }
.brand-logo img { height: 52px; width: auto; }

.main-nav ul { display: flex; list-style: none; gap: 25px; align-items: center; }
.main-nav a { color: var(--color-primary-dark); font-weight: 600; font-size: 0.95rem; padding: 8px 0; position: relative; }
.main-nav a:hover, .main-nav a.active { color: var(--color-accent); }
.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 3px; background: var(--color-accent); border-radius: 2px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 12px 24px; font-weight: 700; border-radius: var(--radius-sm); border: none; cursor: pointer; transition: all 0.25s ease; font-size: 0.95rem; text-align: center; }
.btn-primary { background: var(--color-accent); color: #FFFFFF; }
.btn-primary:hover { background: var(--color-accent-hover); color: #FFFFFF; transform: translateY(-2px); box-shadow: 0 4px 12px rgba(216, 108, 0, 0.3); }
.btn-secondary { background: var(--color-navy); color: #FFFFFF; }
.btn-secondary:hover { background: #1E1E45; color: #FFFFFF; transform: translateY(-2px); }
.btn-outline { border: 2px solid var(--color-primary); color: var(--color-primary); background: transparent; }
.btn-outline:hover { background: var(--color-primary); color: #FFFFFF; }

/* Hero Section */
.hero-section { background: linear-gradient(135deg, #1F2326 0%, #363A3E 100%); color: #FFFFFF; padding: 80px 0 90px; position: relative; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 50px; align-items: center; }
.hero-title { font-size: 2.8rem; line-height: 1.2; font-weight: 800; margin-bottom: 20px; color: #FFFFFF; }
.hero-title span { color: var(--color-accent); }
.hero-subtitle { font-size: 1.15rem; color: #CBD5E0; margin-bottom: 30px; line-height: 1.7; }
.hero-badges { display: flex; gap: 15px; flex-wrap: wrap; margin-top: 30px; }
.hero-badge { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); backdrop-filter: blur(5px); padding: 8px 16px; border-radius: 30px; font-size: 0.85rem; color: #E2E8F0; }

/* Cards & Sections */
.section-padding { padding: 80px 0; }
.bg-light { background-color: var(--color-bg-light); }
.section-header { text-align: center; max-width: 750px; margin: 0 auto 50px; }
.section-subtitle { text-transform: uppercase; letter-spacing: 2px; color: var(--color-accent); font-weight: 700; font-size: 0.85rem; margin-bottom: 10px; display: block; }
.section-title { font-size: 2.2rem; font-weight: 800; color: var(--color-primary-dark); line-height: 1.3; }

.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 30px; }
.card { background: var(--color-bg-card); border-radius: var(--radius-md); padding: 35px; border: 1px solid var(--color-border); box-shadow: var(--shadow-sm); transition: all 0.3s ease; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--color-accent); }
.card-icon { width: 60px; height: 60px; background: rgba(216, 108, 0, 0.1); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; color: var(--color-accent); font-size: 1.8rem; }
.card-title { font-size: 1.35rem; font-weight: 700; color: var(--color-primary-dark); margin-bottom: 12px; }
.card-desc { color: var(--color-text-muted); font-size: 0.95rem; margin-bottom: 20px; flex-grow: 1; }

/* Insurers Banner */
.insurers-banner { padding: 40px 0; background: #FFFFFF; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.insurers-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 25px; align-items: center; }
.insurer-logo { display: flex; justify-content: center; align-items: center; filter: grayscale(100%); opacity: 0.7; transition: all 0.3s ease; padding: 10px; }
.insurer-logo:hover { filter: grayscale(0%); opacity: 1; transform: scale(1.05); }
.insurer-logo img { max-height: 45px; width: auto; object-fit: contain; }

/* Footer */
.site-footer { background: var(--color-primary-dark); color: #CBD5E0; padding: 70px 0 20px; font-size: 0.95rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 50px; }
.footer-brand img { height: 48px; margin-bottom: 20px; filter: brightness(0) invert(1); }
.footer-title { color: #FFFFFF; font-size: 1.1rem; font-weight: 700; margin-bottom: 20px; border-left: 3px solid var(--color-accent); padding-left: 10px; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: #A0AEC0; }
.footer-links a:hover { color: #FFFFFF; padding-left: 5px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 25px; text-align: center; font-size: 0.85rem; color: #718096; }

/* Floating WhatsApp Button */
.float-wa { position: fixed; width: 60px; height: 60px; bottom: 25px; right: 25px; background-color: #25d366; color: #FFF; border-radius: 50px; text-align: center; font-size: 30px; box-shadow: 2px 2px 10px rgba(0,0,0,0.2); z-index: 9999; display: flex; align-items: center; justify-content: center; transition: all 0.3s; }
.float-wa:hover { transform: scale(1.1); color: #FFF; background-color: #128c7e; }

@media (max-width: 992px) {
  .hero-grid { grid-template-columns: 1fr; text-align: center; }
  .hero-title { font-size: 2.2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .main-nav { display: none; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-title { font-size: 1.8rem; }
}