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

:root {
  --navy: #0f172a;
  --navy-2: #1e293b;
  --sky: #0ea5e9;
  --sky-dark: #0284c7;
  --emerald: #10b981;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(0,0,0,0.10);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.16);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--navy);
  line-height: 1.6;
}

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* ── NAV ── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(15,23,42,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.nav-inner {
  max-width: 1140px; margin: 0 auto; padding: 0 24px;
  height: 64px; display: flex; align-items: center; gap: 32px;
}
.logo {
  display: flex; align-items: center; gap: 8px;
  font-size: 1.1rem; font-weight: 700; color: white;
  text-decoration: none;
}
.logo span { letter-spacing: -0.3px; }
.nav-links { display: flex; gap: 24px; margin-left: auto; }
.nav-links a {
  color: rgba(255,255,255,0.7); text-decoration: none;
  font-size: 0.875rem; font-weight: 500;
  transition: color 0.2s;
}
.nav-links a:hover { color: white; }
.lang-switcher { display: flex; gap: 4px; }
.lang-switcher a {
  padding: 4px 10px; border-radius: 6px;
  font-size: 0.75rem; font-weight: 600;
  color: rgba(255,255,255,0.5); text-decoration: none;
  transition: all 0.2s;
}
.lang-switcher a:hover, .lang-switcher a.active {
  background: var(--sky); color: white;
}

/* ── HERO ── */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  padding: 100px 0 60px;
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, #0f172a 0%, #0c2340 50%, #0f2d45 100%);
}
.hero-bg::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(14,165,233,0.15) 0%, transparent 70%);
}
.hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%230ea5e9' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(14,165,233,0.15); border: 1px solid rgba(14,165,233,0.3);
  color: var(--sky); padding: 6px 14px; border-radius: 100px;
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.3px;
  margin-bottom: 20px;
}
.hero h1 {
  font-size: clamp(2.5rem, 5vw, 3.8rem);
  font-weight: 800; color: white;
  line-height: 1.1; letter-spacing: -1.5px;
  margin-bottom: 20px;
}
.gradient-text {
  background: linear-gradient(90deg, #0ea5e9, #10b981);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  color: rgba(255,255,255,0.65); font-size: 1.05rem;
  max-width: 440px; margin-bottom: 28px;
}
.trust-row { display: flex; gap: 20px; flex-wrap: wrap; }
.trust-item {
  display: flex; align-items: center; gap: 6px;
  color: rgba(255,255,255,0.7); font-size: 0.85rem; font-weight: 500;
}
.trust-icon { color: var(--emerald); font-weight: 700; }

/* ── CALCULATOR ── */
.calculator-card {
  background: white; border-radius: 20px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(0,0,0,0.05);
  overflow: hidden;
}
.calc-header {
  background: linear-gradient(135deg, var(--sky), var(--sky-dark));
  padding: 20px 24px;
}
.calc-header h3 { color: white; font-size: 1.1rem; font-weight: 700; margin-bottom: 2px; }
.calc-header p { color: rgba(255,255,255,0.8); font-size: 0.8rem; }
.calc-body { padding: 20px 24px; }
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.calc-field label {
  display: block; font-size: 0.7rem; font-weight: 600;
  color: var(--gray-600); text-transform: uppercase; letter-spacing: 0.5px;
  margin-bottom: 6px;
}
.calc-field select, .calc-field input {
  width: 100%; padding: 10px 12px;
  border: 1.5px solid #e2e8f0; border-radius: 8px;
  font-size: 0.875rem; font-family: 'Inter', sans-serif;
  color: var(--navy); background: #f8fafc;
  transition: border-color 0.2s;
  -webkit-appearance: none;
}
.calc-field select:focus, .calc-field input:focus {
  outline: none; border-color: var(--sky); background: white;
}
.calc-btn {
  width: 100%; padding: 14px;
  background: linear-gradient(135deg, var(--sky), var(--sky-dark));
  color: white; border: none; border-radius: 10px;
  font-size: 0.95rem; font-weight: 700; cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  transition: opacity 0.2s, transform 0.1s;
  margin-top: 4px;
}
.calc-btn:hover { opacity: 0.92; transform: translateY(-1px); }
.calc-btn:active { transform: translateY(0); }

/* ── RESULTS ── */
.results { border-top: 1px solid #f1f5f9; padding: 16px 24px 20px; }
.results.hidden { display: none; }
.results-header {
  font-size: 0.75rem; font-weight: 600; color: var(--gray-600);
  text-transform: uppercase; letter-spacing: 0.5px;
  margin-bottom: 12px;
}
.provider-cards { display: flex; flex-direction: column; gap: 10px; }
.p-card {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 14px; border-radius: 10px;
  border: 1.5px solid #e2e8f0; background: #f8fafc;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.p-card:hover { border-color: var(--sky); box-shadow: 0 2px 12px rgba(14,165,233,0.1); }
.p-card.best {
  border-color: var(--emerald); background: rgba(16,185,129,0.04);
}
.p-card-left { display: flex; align-items: center; gap: 12px; }
.p-badge-best {
  font-size: 0.6rem; font-weight: 700; text-transform: uppercase;
  background: var(--emerald); color: white; padding: 2px 6px; border-radius: 4px;
}
.p-name { font-size: 0.9rem; font-weight: 700; color: var(--navy); }
.p-type { font-size: 0.7rem; color: var(--gray-400); }
.p-price { font-size: 1.1rem; font-weight: 800; color: var(--navy); }
.p-price span { font-size: 0.7rem; font-weight: 500; color: var(--gray-400); }
.p-buy {
  padding: 7px 14px; background: var(--sky); color: white;
  border: none; border-radius: 7px; font-size: 0.75rem; font-weight: 700;
  cursor: pointer; transition: opacity 0.2s; text-decoration: none;
  display: inline-block;
}
.p-buy:hover { opacity: 0.88; }
.results-note { font-size: 0.65rem; color: var(--gray-400); margin-top: 10px; }

/* ── SECTIONS ── */
.section { padding: 80px 0; }
.section-dark { background: var(--gray-50); }
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 {
  font-size: clamp(1.8rem, 3vw, 2.4rem); font-weight: 800;
  color: var(--navy); letter-spacing: -0.5px; margin-bottom: 10px;
}
.section-header p { color: var(--gray-600); font-size: 1rem; }

/* ── STEPS ── */
.steps {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; flex-wrap: wrap;
}
.step {
  flex: 1; min-width: 200px; max-width: 260px;
  text-align: center; padding: 32px 24px;
  background: white; border-radius: var(--radius);
  border: 1.5px solid #e2e8f0;
  box-shadow: var(--shadow);
}
.step-num {
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--sky), var(--sky-dark));
  color: white; font-size: 1.3rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.step h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--navy); }
.step p { font-size: 0.85rem; color: var(--gray-600); }
.step-arrow { font-size: 1.5rem; color: var(--sky); font-weight: 300; }

/* ── PROVIDERS GRID ── */
.providers-grid {
  display: flex; flex-wrap: wrap; gap: 16px; justify-content: center;
}
.provider-logo-card {
  flex: 0 0 auto;
  padding: 24px 40px;
  background: white; border-radius: var(--radius);
  border: 1.5px solid #e2e8f0;
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  box-shadow: var(--shadow);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.provider-logo-card:hover { border-color: var(--sky); box-shadow: 0 4px 20px rgba(14,165,233,0.12); }
.provider-name { font-size: 1.4rem; font-weight: 800; letter-spacing: -0.5px; }
.provider-tag {
  font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px;
  background: rgba(14,165,233,0.1); color: var(--sky);
  padding: 3px 8px; border-radius: 4px;
}
.allianz { color: #003781; }
.bupa { color: #00338d; }
.medibank { color: #e4002b; }
.nib { color: #111; }
.ahm { color: #e4002b; }

/* ── FEATURES ── */
.features {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 24px;
}
.feature {
  padding: 28px 24px; background: var(--gray-50);
  border-radius: var(--radius); border: 1.5px solid #e2e8f0;
  transition: border-color 0.2s;
}
.feature:hover { border-color: var(--sky); }
.feature-icon { font-size: 2rem; margin-bottom: 14px; }
.feature h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--navy); }
.feature p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.6; }

/* ── FAQ ── */
.faq-list { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: white; border-radius: 10px;
  border: 1.5px solid #e2e8f0; overflow: hidden;
}
.faq-q {
  width: 100%; padding: 16px 20px;
  background: none; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between;
  font-size: 0.95rem; font-weight: 600; color: var(--navy);
  text-align: left; transition: background 0.2s;
}
.faq-q:hover { background: var(--gray-50); }
.faq-icon { font-size: 1.2rem; color: var(--sky); font-weight: 400; transition: transform 0.2s; }
.faq-q.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none; padding: 0 20px 16px;
  font-size: 0.875rem; color: var(--gray-600); line-height: 1.7;
}
.faq-a.open { display: block; }

/* ── CTA ── */
.cta-section {
  background: linear-gradient(135deg, var(--navy), #0c2340);
  padding: 80px 0; text-align: center;
}
.cta-section h2 { color: white; font-size: 2rem; font-weight: 800; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,0.65); margin-bottom: 28px; }
.cta-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; background: var(--sky); color: white;
  border-radius: 10px; font-size: 1rem; font-weight: 700;
  text-decoration: none; transition: opacity 0.2s, transform 0.1s;
}
.cta-btn:hover { opacity: 0.9; transform: translateY(-2px); }

/* ── FOOTER ── */
.footer { background: var(--navy); padding: 60px 0 24px; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 24px;
}
.footer-brand .logo { margin-bottom: 12px; }
.footer-brand p { color: rgba(255,255,255,0.45); font-size: 0.85rem; max-width: 220px; }
.logo-white span { color: white; }
.footer-col h5 {
  color: rgba(255,255,255,0.6); font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px;
}
.footer-col a {
  display: block; color: rgba(255,255,255,0.45);
  text-decoration: none; font-size: 0.85rem; margin-bottom: 8px;
  transition: color 0.2s;
}
.footer-col a:hover { color: white; }
.footer-bottom { text-align: center; }
.footer-bottom p { color: rgba(255,255,255,0.3); font-size: 0.75rem; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-text { text-align: center; }
  .hero-sub { max-width: 100%; margin: 0 auto 28px; }
  .trust-row { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 560px) {
  .calc-row { grid-template-columns: 1fr; }
  .steps { flex-direction: column; align-items: stretch; }
  .step-arrow { transform: rotate(90deg); align-self: center; }
  .footer-grid { grid-template-columns: 1fr; }
}