:root {
    --primary: #00a8cc;
    --primary-dark: #0077b6;
    --secondary: #023047;
    --muted: #666;
    --background: #f8f9fa;
    --card: #ffffff;
    --border: #e2e8f0;
    --success: #00b4d8;
    --gradient-primary: linear-gradient(135deg, #00a8cc 0%, #0077b6 100%);
    --gradient-secondary: linear-gradient(135deg, #00b4d8 0%, #03045e 100%);
}

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

body {
    font-family: 'Inter', sans-serif;
    background: var(--background);
    color: var(--secondary);
    line-height: 1.6;
    overflow-x: hidden;
}

.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    min-height: 70px;
    padding: 0 6%;
    background: #fff;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
}

.brand img {
    height: 50px;
    display: block;
}

.header-nav {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    flex-wrap: wrap;
}

.nav-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    text-decoration: none;
    font-weight: 600;
    font-size: 0.88rem;
    letter-spacing: 0.01em;
    padding: 0.5rem 1.1rem;
    border-radius: 999px;
    border: 1.5px solid var(--border);
    background: #ffffff;
    color: var(--secondary);
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease, transform 0.15s ease;
    white-space: nowrap;
}

.nav-btn:hover {
    background: var(--primary);
    color: #ffffff;
    border-color: var(--primary);
    box-shadow: 0 4px 14px rgba(0, 168, 204, 0.35);
    transform: translateY(-1px);
}

.nav-btn.active {
    background: var(--primary);
    color: #ffffff;
    border-color: var(--primary);
}

.nav-btn-home {
    background: var(--gradient-primary);
    color: #ffffff;
    border-color: transparent;
    box-shadow: 0 2px 8px rgba(0, 168, 204, 0.25);
}

.nav-btn-home:hover {
    background: var(--primary-dark);
    border-color: transparent;
    box-shadow: 0 4px 16px rgba(0, 119, 182, 0.4);
}

.hero {
    min-height: 74vh;
    padding: 150px 6% 80px;
    background: var(--gradient-primary);
    color: white;
    display: flex;
    align-items: center;
}

.hero-content,
.page-intro {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.eyebrow {
    color: inherit;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

h1 {
    font-size: clamp(2rem, 5vw, 4rem);
    line-height: 1.1;
    margin-bottom: 1rem;
}

.hero p,
.page-intro p {
    color: inherit;
    font-size: 1.1rem;
    opacity: 0.9;
}

.tabs-section {
    padding: 3rem 6% 5rem;
}

.tabs {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.5rem;
}

.tab-card {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    min-height: 320px;
    padding: 2rem;
    border-radius: 28px;
    color: white;
    text-decoration: none;
    box-shadow: 0 24px 60px rgba(15, 23, 42, 0.16);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.tab-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 30px 70px rgba(15, 23, 42, 0.22);
}

.tab-card.health {
    background: var(--gradient-primary);
}

.tab-card.life {
    background: var(--gradient-secondary);
}

.tab-icon {
    font-size: 3rem;
}

.tab-label {
    font-size: 2rem;
    font-weight: 700;
}

.tab-text {
    font-size: 1.05rem;
    opacity: 0.92;
    max-width: 440px;
}

.tab-action {
    margin-top: auto;
    font-weight: 700;
}

.form-page {
    padding: 120px 6% 5rem;
}

.page-intro {
    margin-bottom: 2rem;
    padding: 3rem 2rem;
    border-radius: 24px;
    background: var(--gradient-primary);
    color: white;
}

.form-card {
    max-width: 980px;
    margin: 0 auto;
    padding: 2rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 24px;
    box-shadow: 0 20px 55px rgba(15, 23, 42, 0.08);
}

.quote-shell {
    max-width: 1120px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 320px 1fr;
    gap: 1.5rem;
    align-items: stretch;
}

.quote-aside {
    padding: 2rem;
    border-radius: 24px;
    background: var(--gradient-secondary);
    color: white;
    box-shadow: 0 20px 55px rgba(15, 23, 42, 0.16);
}

.quote-aside h2 {
    font-size: 1.7rem;
    line-height: 1.2;
    margin-bottom: 1.5rem;
}

.quote-aside ul {
    display: grid;
    gap: 1rem;
    padding-left: 1.2rem;
}

.quote-card {
    min-height: 520px;
    padding: 2rem;
    border: 1px solid var(--border);
    border-radius: 24px;
    background: white;
    box-shadow: 0 20px 55px rgba(15, 23, 42, 0.08);
}

.progress-bar {
    display: flex;
    align-items: center;
    margin-bottom: 1.5rem;
}

.progress-step {
    width: 36px;
    height: 36px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    background: #e2e8f0;
    color: var(--muted);
    font-weight: 700;
}

.progress-step.active {
    background: var(--primary);
    color: white;
}

.progress-line {
    flex: 1;
    height: 2px;
    background: var(--border);
}

.quote-step {
    display: none;
}

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

.step-count {
    color: var(--primary-dark);
    font-size: 0.9rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.step-help {
    color: var(--muted);
    margin-bottom: 1.5rem;
}

.member-picker {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.9rem;
}

.member-picker label {
    cursor: pointer;
}

.member-picker input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.member-picker span {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 78px;
    padding: 1rem;
    border: 1px solid var(--border);
    border-radius: 18px;
    background: #f8fafc;
    color: var(--secondary);
    text-align: center;
    transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.member-picker input:checked + span {
    border-color: var(--primary);
    background: rgba(0, 168, 204, 0.1);
    color: var(--primary-dark);
}

form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.25rem;
}

label {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    color: var(--secondary);
    font-weight: 600;
}

input,
select,
textarea {
    width: 100%;
    padding: 0.9rem 1rem;
    border: 1px solid var(--border);
    border-radius: 14px;
    font: inherit;
    color: var(--secondary);
    background: #fff;
}

textarea {
    resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(0, 168, 204, 0.14);
}

.member-section {
    padding: 1.25rem;
    border: 1px solid var(--border);
    border-radius: 18px;
    background: #f8fafc;
}

.member-section h2 {
    font-size: 1.15rem;
    margin-bottom: 1rem;
}

.checkbox-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.75rem;
}

.checkbox-grid label {
    flex-direction: row;
    align-items: center;
    padding: 0.85rem;
    border: 1px solid var(--border);
    border-radius: 14px;
    background: white;
    font-weight: 500;
}

.checkbox-grid input {
    width: auto;
}

.btn-primary {
    border: none;
    border-radius: 999px;
    padding: 1rem 1.5rem;
    background: var(--gradient-primary);
    color: white;
    font: inherit;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.2s ease, transform 0.2s ease;
}

.btn-primary:hover {
    transform: translateY(-2px);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--border);
    border-radius: 999px;
    padding: 1rem 1.5rem;
    background: white;
    color: var(--secondary);
    font: inherit;
    font-weight: 700;
    cursor: pointer;
}

.quote-actions {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-top: auto;
}

.quote-summary {
    padding: 1rem;
    margin-bottom: 1rem;
    border-radius: 16px;
    background: rgba(0, 168, 204, 0.08);
    color: var(--secondary);
}

.policy-results {
    display: grid;
    gap: 1rem;
    margin-bottom: 1.25rem;
}

.policy-card {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 0.75rem 1rem;
    padding: 1.25rem;
    border: 1px solid var(--border);
    border-radius: 18px;
    background: #ffffff;
    box-shadow: 0 12px 30px rgba(15, 23, 42, 0.06);
}

.policy-card h3 {
    font-size: 1.15rem;
}

.policy-card p {
    color: var(--muted);
}

.policy-card ul {
    grid-column: 1 / -1;
    display: grid;
    gap: 0.35rem;
    padding-left: 1.2rem;
    color: var(--muted);
}

.policy-card .btn-secondary {
    grid-column: 1 / -1;
    justify-self: start;
}

.policy-rank {
    display: inline-flex;
    margin-bottom: 0.35rem;
    padding: 0.25rem 0.6rem;
    border-radius: 999px;
    background: rgba(22, 163, 74, 0.12);
    color: var(--success);
    font-size: 0.8rem;
    font-weight: 700;
}

.policy-cover {
    text-align: right;
}

.policy-cover span {
    display: block;
    color: var(--muted);
    font-size: 0.8rem;
}

.policy-cover strong {
    font-size: 1.2rem;
    color: var(--primary-dark);
}

.policy-match {
    grid-column: 1 / -1;
    font-weight: 600;
}

.additional-details {
    margin-top: 1rem;
}

.saved-quotes {
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--border);
}

.saved-quotes h3 {
    margin-bottom: 1rem;
}

.table-wrap {
    width: 100%;
    overflow-x: auto;
    border: 1px solid var(--border);
    border-radius: 14px;
}

table {
    width: 100%;
    border-collapse: collapse;
    min-width: 720px;
    background: white;
}

th,
td {
    padding: 0.85rem;
    border-bottom: 1px solid var(--border);
    text-align: left;
    font-size: 0.9rem;
}

th {
    background: #f8fafc;
    color: var(--secondary);
    font-weight: 700;
}

td {
    color: var(--muted);
}

tr:last-child td {
    border-bottom: none;
}

.notice {
    position: fixed;
    right: 1rem;
    top: 5rem;
    max-width: 360px;
    padding: 1rem 1.25rem;
    border-radius: 14px;
    background: var(--success);
    color: white;
    font-weight: 600;
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.2);
}

.footer {
    padding: 1.5rem 6%;
    text-align: center;
    color: var(--muted);
    background: white;
    border-top: 1px solid var(--border);
}

@media (max-width: 760px) {
    .site-header {
        align-items: flex-start;
        flex-direction: column;
    }

    .tabs,
    .form-grid,
    .checkbox-grid,
    .quote-shell,
    .member-picker {
        grid-template-columns: 1fr;
    }

    .hero,
    .form-page {
        padding-left: 1rem;
        padding-right: 1rem;
    }

    .form-card,
    .quote-card,
    .quote-aside {
        padding: 1.25rem;
    }

    .policy-card {
        grid-template-columns: 1fr;
    }

    .policy-cover {
        text-align: left;
    }
}