@import url('https://fonts.googleapis.com/css2?family=Crimson+Pro:ital,wght@0,300;0,400;0,600;0,700;1,400;1,600&family=Work+Sans:wght@300;400;500;600;700;800&display=swap');

/* =============================================
   CAR-INSURANCE.LU — Design System
   Palette: Deep Navy + Signal Orange + Slate
   Fonts: Crimson Pro (serif) + Work Sans (sans)
   ============================================= */

:root {
  /* Core palette */
  --navy:        #0B1F3A;
  --navy-mid:    #1A3A5C;
  --navy-light:  #E8EEF5;
  --orange:      #E85A0E;
  --orange-dark: #C44A08;
  --orange-light:#FEF0E8;
  --slate:       #F1F5FA;
  --gold:        #C9973A;
  --gold-light:  #FBF5E8;

  /* Text */
  --text:        #0B1426;
  --text-mid:    #3D5170;
  --text-light:  #7A8DAA;

  /* UI */
  --border:      #CBD5E3;
  --border-light:#E4EBF4;
  --white:       #FFFFFF;
  --success:     #197A4F;
  --success-bg:  #EAF5EE;

  /* Fonts */
  --font-head:   'Crimson Pro', Georgia, serif;
  --font-body:   'Work Sans', -apple-system, sans-serif;

  /* Layout */
  --max:         940px;
  --max-wide:    1160px;
  --r:           10px;
  --r-sm:        6px;
  --shadow:      0 2px 16px rgba(11,31,58,.08);
  --shadow-md:   0 4px 24px rgba(11,31,58,.12);
  --shadow-lg:   0 8px 40px rgba(11,31,58,.16);
}

/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--navy-mid); text-decoration: none; transition: color .2s; }
a:hover { color: var(--orange); }
ul, ol { padding-left: 1.4em; }

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.2;
  font-weight: 600;
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.4rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.65rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

strong { font-weight: 600; color: var(--navy); }

/* ── LAYOUT ── */
.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px;
}

.container-wide {
  max-width: var(--max-wide);
  margin: 0 auto;
  padding: 0 20px;
}

section { padding: 64px 0; }
section + section { padding-top: 0; }

/* ── NAVIGATION ── */
.site-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 3px solid var(--orange);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  max-width: var(--max-wide);
  margin: 0 auto;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -.01em;
}

.nav-brand .brand-tld {
  color: var(--orange);
  font-style: italic;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  padding: 0;
}

.nav-links a {
  color: rgba(255,255,255,.8);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: var(--r-sm);
  transition: all .2s;
}

.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,.1);
}

.nav-cta {
  background: var(--orange) !important;
  color: var(--white) !important;
  font-weight: 600 !important;
  padding: 7px 16px !important;
  border-radius: var(--r-sm) !important;
}

.nav-cta:hover {
  background: var(--orange-dark) !important;
  transform: translateY(-1px);
}

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}

.nav-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all .3s;
}

/* ── HERO ── */
.hero {
  background: var(--navy);
  padding: 72px 0 60px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -15%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,90,14,.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--gold), var(--orange));
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(232,90,14,.15);
  border: 1px solid rgba(232,90,14,.3);
  color: #F4A97A;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 20px;
  margin-bottom: 20px;
}

.hero h1 {
  color: var(--white);
  max-width: 640px;
  margin-bottom: 16px;
}

.hero h1 em {
  color: var(--orange);
  font-style: normal;
}

.hero-sub {
  color: rgba(255,255,255,.7);
  font-size: 1.1rem;
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-meta {
  display: flex;
  gap: 24px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.hero-meta-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.6);
  font-size: 0.8rem;
}

.hero-meta-item strong {
  color: rgba(255,255,255,.9);
  font-weight: 600;
}

/* ── ANSWER BOX ── */
.answer-box {
  background: var(--gold-light);
  border: 2px solid var(--gold);
  border-left: 6px solid var(--gold);
  border-radius: var(--r);
  padding: 24px 28px;
  margin: 40px 0;
}

.answer-box-label {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.answer-box p {
  font-family: var(--font-head);
  font-size: 1.15rem;
  line-height: 1.6;
  color: var(--navy);
  margin-bottom: 0;
}

.answer-box p + p { margin-top: .75em; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 0.925rem;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s;
  border: none;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--orange-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(232,90,14,.35);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.4);
}

.btn-secondary:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.6);
  color: var(--white);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
}

.btn-navy:hover {
  background: var(--navy-mid);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--border);
}

.btn-outline:hover {
  border-color: var(--navy);
  color: var(--navy);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.84rem;
}

.btn-lg {
  padding: 15px 32px;
  font-size: 1rem;
}

/* ── VERDICT CARDS ── */
.verdict-grid {
  display: grid;
  gap: 16px;
}

.verdict-card {
  background: var(--white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  padding: 24px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 16px;
  align-items: start;
  transition: all .25s;
  box-shadow: var(--shadow);
}

.verdict-card:hover {
  border-color: var(--navy-mid);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.verdict-card.top-pick {
  border-color: var(--orange);
  border-width: 2px;
}

.verdict-profile {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.verdict-body h3 {
  font-size: 1.05rem;
  margin-bottom: 4px;
}

.verdict-body .verdict-role {
  font-size: 0.8rem;
  color: var(--text-light);
  font-weight: 500;
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: .05em;
}

.verdict-body p {
  font-size: 0.88rem;
  color: var(--text-mid);
  margin: 0;
  line-height: 1.5;
}

.verdict-rec {
  min-width: 140px;
  text-align: right;
}

.verdict-badge {
  display: inline-block;
  background: var(--navy-light);
  color: var(--navy-mid);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 4px;
}

.verdict-badge.orange { background: var(--orange-light); color: var(--orange-dark); }
.verdict-badge.gold { background: var(--gold-light); color: #8B6820; }
.verdict-badge.green { background: var(--success-bg); color: var(--success); }

.verdict-pick {
  display: block;
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 4px;
}

.verdict-formula {
  display: block;
  font-size: 0.78rem;
  color: var(--text-light);
  font-weight: 500;
}

/* ── INSURER CARDS ── */
.insurer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 32px 0;
}

.insurer-card {
  background: var(--white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  padding: 24px;
  text-align: center;
  transition: all .25s;
}

.insurer-card:hover {
  border-color: var(--navy-mid);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.insurer-name {
  font-family: var(--font-head);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.insurer-product {
  font-size: 0.78rem;
  color: var(--text-light);
  font-weight: 500;
  letter-spacing: .04em;
  margin-bottom: 12px;
}

.insurer-star {
  display: inline-block;
  background: var(--orange-light);
  color: var(--orange-dark);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 4px;
  margin-bottom: 12px;
}

.insurer-highlights {
  list-style: none;
  padding: 0;
  text-align: left;
  font-size: 0.84rem;
  color: var(--text-mid);
}

.insurer-highlights li {
  padding: 4px 0;
  padding-left: 20px;
  position: relative;
}

.insurer-highlights li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
}

/* ── COMPARISON TABLE ── */
.table-wrap {
  overflow-x: auto;
  border-radius: var(--r);
  box-shadow: var(--shadow);
  margin: 32px 0;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 600px;
}

th {
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.84rem;
  font-weight: 600;
  padding: 14px 16px;
  text-align: left;
  letter-spacing: .02em;
}

th:first-child { border-radius: var(--r) 0 0 0; }
th:last-child  { border-radius: 0 var(--r) 0 0; }

td {
  padding: 12px 16px;
  font-size: 0.88rem;
  border-bottom: 1px solid var(--border-light);
  vertical-align: top;
}

tr:last-child td { border-bottom: none; }
tr:nth-child(even) td { background: var(--slate); }

td .yes  { color: var(--success); font-weight: 700; }
td .no   { color: #B91C1C; }
td .opt  { color: var(--gold); font-style: italic; }

.table-highlight td { background: var(--orange-light) !important; }

/* ── DIFF CARDS (5 Real Differences) ── */
.diff-list {
  display: grid;
  gap: 20px;
  margin: 32px 0;
}

.diff-card {
  background: var(--white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  padding: 24px;
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  box-shadow: var(--shadow);
}

.diff-number {
  width: 56px;
  height: 56px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1.6rem;
  font-weight: 700;
  flex-shrink: 0;
}

.diff-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.diff-card p  { font-size: 0.9rem; color: var(--text-mid); margin: 0; }

.diff-impact {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--orange-light);
  color: var(--orange-dark);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 4px;
  margin-top: 10px;
}

/* ── PRICE TABLE ── */
.price-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  margin: 32px 0;
}

.price-card {
  background: var(--white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  padding: 24px;
  text-align: center;
  box-shadow: var(--shadow);
}

.price-card.featured {
  border-color: var(--orange);
  border-width: 2px;
}

.price-label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 8px;
}

.price-main {
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.price-main sup { font-size: 1rem; vertical-align: top; margin-top: 8px; display: inline-block; }
.price-main small { font-size: 1rem; font-weight: 400; color: var(--text-light); }

.price-note {
  font-size: 0.8rem;
  color: var(--text-light);
  margin-top: 8px;
}

/* ── STEPS / PROCESS ── */
.steps {
  display: grid;
  gap: 24px;
  margin: 32px 0;
  counter-reset: step;
}

.step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  align-items: start;
}

.step-num {
  width: 56px;
  height: 56px;
  background: var(--navy-light);
  border: 2px solid var(--navy-mid);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy-mid);
  flex-shrink: 0;
  counter-increment: step;
}

.step h3 { font-size: 1.05rem; margin-bottom: 6px; }
.step p  { font-size: 0.9rem; color: var(--text-mid); margin: 0; }

/* ── FAQ ── */
.faq-list {
  display: grid;
  gap: 12px;
  margin: 32px 0;
}

.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  overflow: hidden;
}

.faq-q {
  padding: 18px 24px;
  font-family: var(--font-head);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  user-select: none;
  transition: background .2s;
}

.faq-q:hover { background: var(--slate); }

.faq-q::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--orange);
  transition: transform .2s;
  flex-shrink: 0;
}

.faq-item.open .faq-q::after { transform: rotate(45deg); }

.faq-a {
  display: none;
  padding: 0 24px 20px;
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.65;
  border-top: 1px solid var(--border-light);
  padding-top: 16px;
}

.faq-item.open .faq-a { display: block; }

/* ── LEAD FORM ── */
.quote-form-wrap {
  background: var(--white);
  border: 2px solid var(--border-light);
  border-radius: var(--r);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  max-width: 680px;
  margin: 0 auto;
}

.form-section-title {
  font-family: var(--font-head);
  font-size: 1.1rem;
  color: var(--navy);
  margin: 28px 0 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--navy-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.form-section-title:first-of-type { margin-top: 8px; }

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group.full { grid-column: 1 / -1; }

label {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--navy);
}

label .req { color: var(--orange); }

input, select, textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  appearance: none;
}

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--navy-mid);
  box-shadow: 0 0 0 3px rgba(26,58,92,.1);
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%233D5170' d='M0 0l6 8 6-8z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
  cursor: pointer;
}

.consent-wrap {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-top: 8px;
}

.consent-wrap input[type="checkbox"] {
  width: 18px;
  height: 18px;
  min-width: 18px;
  cursor: pointer;
  margin-top: 2px;
}

.consent-wrap label {
  font-size: 0.84rem;
  font-weight: 400;
  color: var(--text-mid);
  line-height: 1.5;
}

.form-submit-btn {
  width: 100%;
  padding: 16px;
  background: var(--orange);
  color: var(--white);
  border: none;
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s;
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.form-submit-btn:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(232,90,14,.35);
}

.form-success {
  text-align: center;
  padding: 40px;
}

.form-success .check {
  font-size: 3rem;
  margin-bottom: 16px;
}

/* ── ADVISOR / QUIZ TOOL ── */
.advisor-wrap {
  background: var(--navy);
  border-radius: 16px;
  padding: 48px;
  max-width: 680px;
  margin: 32px auto;
  position: relative;
  overflow: hidden;
}

.advisor-wrap::before {
  content: '';
  position: absolute;
  top: -60%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(232,90,14,.1) 0%, transparent 70%);
  pointer-events: none;
}

.advisor-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 32px;
}

.advisor-progress-bar {
  height: 4px;
  flex: 1;
  background: rgba(255,255,255,.15);
  border-radius: 2px;
  transition: background .4s;
}

.advisor-progress-bar.done { background: var(--orange); }

.advisor-step {
  display: none;
}

.advisor-step.active { display: block; }

.advisor-q {
  font-family: var(--font-head);
  font-size: 1.6rem;
  color: var(--white);
  margin-bottom: 8px;
  line-height: 1.3;
}

.advisor-sub {
  color: rgba(255,255,255,.6);
  font-size: 0.9rem;
  margin-bottom: 28px;
}

.advisor-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.advisor-opt {
  background: rgba(255,255,255,.07);
  border: 1.5px solid rgba(255,255,255,.15);
  border-radius: var(--r);
  padding: 16px;
  cursor: pointer;
  transition: all .2s;
  color: var(--white);
  text-align: left;
}

.advisor-opt:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.35);
  transform: translateY(-2px);
}

.advisor-opt.selected {
  background: rgba(232,90,14,.2);
  border-color: var(--orange);
}

.advisor-opt-icon { font-size: 1.6rem; display: block; margin-bottom: 6px; }
.advisor-opt-label { font-weight: 600; font-size: 0.92rem; }
.advisor-opt-sub { font-size: 0.78rem; color: rgba(255,255,255,.6); margin-top: 2px; }

.advisor-nav {
  display: flex;
  justify-content: space-between;
  margin-top: 28px;
  gap: 12px;
}

.advisor-back {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.7);
  padding: 10px 20px;
  border-radius: var(--r-sm);
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.9rem;
  transition: all .2s;
}

.advisor-back:hover {
  border-color: rgba(255,255,255,.5);
  color: var(--white);
}

.advisor-next {
  background: var(--orange);
  border: none;
  color: var(--white);
  padding: 10px 28px;
  border-radius: var(--r-sm);
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  transition: all .2s;
  margin-left: auto;
}

.advisor-next:hover { background: var(--orange-dark); }
.advisor-next:disabled { opacity: .4; cursor: not-allowed; }

.advisor-result {
  animation: fadeIn .4s ease;
}

.advisor-result-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(232,90,14,.2);
  border: 1px solid var(--orange);
  color: #F4A97A;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
}

.advisor-result-insurer {
  font-family: var(--font-head);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

.advisor-result-formula {
  color: var(--orange);
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.advisor-result-why {
  color: rgba(255,255,255,.8);
  font-size: 0.92rem;
  line-height: 1.6;
  margin-bottom: 24px;
  background: rgba(255,255,255,.06);
  border-radius: var(--r);
  padding: 16px 20px;
}

.advisor-result-price {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
}

.advisor-result-price-item {
  flex: 1;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-sm);
  padding: 12px 16px;
  text-align: center;
}

.advisor-result-price-item .label {
  font-size: 0.75rem;
  color: rgba(255,255,255,.5);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 4px;
}

.advisor-result-price-item .value {
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
}

.advisor-restart {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.7);
  padding: 9px 18px;
  border-radius: var(--r-sm);
  cursor: pointer;
  font-size: 0.84rem;
  transition: all .2s;
}

.advisor-restart:hover { color: var(--white); border-color: rgba(255,255,255,.5); }

/* ── FEATURE BOX ── */
.feature-box {
  background: var(--navy-light);
  border: 1.5px solid var(--border);
  border-left: 5px solid var(--navy-mid);
  border-radius: var(--r);
  padding: 20px 24px;
  margin: 24px 0;
}

.feature-box h4 {
  font-size: 0.9rem;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.feature-box p { font-size: 0.88rem; color: var(--text-mid); margin: 0; }

.info-box {
  background: var(--slate);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r);
  padding: 20px 24px;
  margin: 24px 0;
}

.warn-box {
  background: #FFF8E1;
  border: 1.5px solid #F9A825;
  border-left: 5px solid #F9A825;
  border-radius: var(--r);
  padding: 20px 24px;
  margin: 24px 0;
}

/* ── CTA BAND ── */
.cta-band {
  background: var(--navy);
  padding: 56px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(232,90,14,.08) 0%, transparent 60%);
}

.cta-band h2 { color: var(--white); margin-bottom: 12px; position: relative; }
.cta-band p  { color: rgba(255,255,255,.7); margin-bottom: 28px; position: relative; max-width: 480px; margin-left: auto; margin-right: auto; }

.cta-trust {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 20px;
  position: relative;
}

.cta-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,.6);
  font-size: 0.8rem;
}

/* ── SECTION HEADERS ── */
.section-head {
  margin-bottom: 40px;
}

.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.section-label::before,
.section-label::after {
  content: '';
  display: inline-block;
  height: 1px;
  width: 20px;
  background: var(--orange);
  opacity: .5;
}

.section-head h2 { margin-bottom: 12px; }

.section-head p {
  color: var(--text-mid);
  max-width: 560px;
  font-size: 1.05rem;
}

/* ── TAGS / BADGES ── */
.tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 4px;
  font-size: 0.76rem;
  font-weight: 700;
}

.tag-orange { background: var(--orange-light); color: var(--orange-dark); }
.tag-navy   { background: var(--navy-light); color: var(--navy-mid); }
.tag-gold   { background: var(--gold-light); color: #8B6820; }
.tag-green  { background: var(--success-bg); color: var(--success); }

/* ── SOURCE NOTE ── */
.source-note {
  margin-top: 56px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
  font-size: 0.8rem;
  color: var(--text-light);
  line-height: 1.6;
}

.source-note strong { color: var(--text-mid); }

/* ── FOOTER ── */
footer {
  background: var(--navy);
  padding: 48px 0 28px;
  color: rgba(255,255,255,.65);
  font-size: 0.84rem;
}

.footer-inner {
  max-width: var(--max-wide);
  margin: 0 auto;
  padding: 0 20px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 24px;
}

.footer-brand {
  font-family: var(--font-head);
  font-size: 1.25rem;
  color: var(--white);
  margin-bottom: 10px;
}

.footer-brand .tld { color: var(--orange); }

.footer-desc {
  color: rgba(255,255,255,.5);
  font-size: 0.82rem;
  line-height: 1.6;
  margin-bottom: 16px;
}

.footer-orias {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  padding: 5px 12px;
  border-radius: 5px;
  font-size: 0.76rem;
  color: rgba(255,255,255,.6);
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.84rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 14px;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-col a {
  color: rgba(255,255,255,.55);
  font-size: 0.84rem;
  transition: color .2s;
}

.footer-col a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-legal {
  font-size: 0.78rem;
  color: rgba(255,255,255,.35);
}

.footer-legal a { color: rgba(255,255,255,.5); }
.footer-legal a:hover { color: var(--white); }

/* ── ANIMATIONS ── */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

.fade-in {
  animation: fadeIn .5s ease both;
}

/* ── BREADCRUMB ── */
.breadcrumb {
  background: var(--slate);
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light);
}

.breadcrumb-inner {
  max-width: var(--max-wide);
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: var(--text-light);
}

.breadcrumb a { color: var(--text-mid); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb span { color: var(--border-dark, #A0AABB); }

/* ── STICKY NAV MOBILE ── */
@media (max-width: 768px) {
  .nav-hamburger { display: flex; }

  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 12px 16px 20px;
    border-top: 2px solid var(--orange);
    z-index: 99;
    gap: 2px;
  }

  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 14px; }

  .site-nav { position: relative; }

  /* Verdicts */
  .verdict-card {
    grid-template-columns: 1fr;
  }
  .verdict-rec { text-align: left; }

  /* Forms */
  .form-grid { grid-template-columns: 1fr; }

  /* Advisor */
  .advisor-wrap { padding: 28px 20px; }
  .advisor-options { grid-template-columns: 1fr; }

  /* Footer */
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 28px;
  }

  /* Tables */
  .diff-card { grid-template-columns: 1fr; }
  .diff-number { width: 40px; height: 40px; font-size: 1.2rem; }

  /* Hero */
  .hero { padding: 48px 0 40px; }
  .hero-actions { flex-direction: column; }
  .hero-meta { gap: 16px; }

  /* Steps */
  .step { grid-template-columns: 1fr; }
  .step-num { display: none; }

  section { padding: 44px 0; }

  .advisor-result-price { flex-direction: column; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .insurer-grid { grid-template-columns: 1fr 1fr; }
  .price-grid { grid-template-columns: 1fr; }
}

/* ── UTILITIES ── */
.text-center { text-align: center; }
.text-right  { text-align: right; }
.mb-0 { margin-bottom: 0 !important; }
.mb-sm { margin-bottom: 12px; }
.mb-md { margin-bottom: 24px; }
.mb-lg { margin-bottom: 40px; }
.mt-sm { margin-top: 12px; }
.mt-md { margin-top: 24px; }
.mt-lg { margin-top: 40px; }
.fw-bold { font-weight: 700; }
.text-orange { color: var(--orange); }
.text-navy   { color: var(--navy); }
.text-muted  { color: var(--text-light); }

.divider {
  border: none;
  border-top: 1px solid var(--border-light);
  margin: 40px 0;
}

/* Skip link for a11y */
.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  background: var(--orange);
  color: white;
  padding: 8px 16px;
  border-radius: 0 0 6px 6px;
  font-weight: 600;
  z-index: 9999;
  transition: top .2s;
}
.skip-link:focus { top: 0; }