:root {
  --primary: #0f4c81;
  --primary-light: #1a6bb5;
  --primary-dark: #0a3560;
  --accent: #00b894;
  --accent-dark: #009d80;
  --danger: #e74c3c;
  --warning: #f39c12;
  --bg: #f8fafc;
  --card: #ffffff;
  --text: #243447;
  --text-light: #718096;
  --border: #e2e8f0;
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -5px rgba(0,0,0,0.04);
  --radius: 12px;
}
.skip-link{position:absolute;top:-100%;left:0;padding:12px 24px;background:var(--accent);color:#fff;z-index:999;font-weight:600}.skip-link:focus{top:0}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
a{text-decoration:none}
nav{position:sticky;top:0;background:var(--primary-dark);z-index:20;box-shadow:var(--shadow)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 24px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700}
.logo-icon{display:grid;place-items:center;width:36px;height:36px;background:var(--accent);border-radius:8px}
.nav-links{list-style:none;display:flex;gap:24px;margin:0;padding:0}.nav-links a{color:rgba(255,255,255,.85)}
.hero{padding:84px 0 96px;background:linear-gradient(135deg,var(--primary-dark),var(--primary),var(--primary-light));color:#fff;text-align:center}
.hero h1{font-size:3rem;margin:0 0 12px}.hero p{max-width:700px;margin:0 auto 24px;font-size:1.1rem}
.hero-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.hero-stats{display:flex;justify-content:center;gap:40px;flex-wrap:wrap;margin-top:36px}
.hero-stat .number{display:block;font-size:2rem;font-weight:800}.hero-stat .label{opacity:.85}
.btn{border:0;border-radius:8px;padding:14px 28px;font:inherit;font-weight:600;cursor:pointer;display:inline-block}
.btn-primary{background:var(--accent);color:#fff}.btn-secondary{background:#fff;color:var(--primary);border:2px solid var(--border)}.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}.btn-small{padding:10px 18px}
section{padding:72px 0}.section-title{text-align:center;margin-bottom:40px}.section-title h2{margin:0 0 8px;color:var(--primary-dark)}.section-title p{max-width:680px;margin:0 auto;color:var(--text-light)}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}.step,.form-card,.plan-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow)}.step{padding:28px;text-align:center}.step-number{display:grid;place-items:center;width:44px;height:44px;background:var(--primary);color:#fff;border-radius:50%;margin:0 auto 12px;font-weight:700}
.form-card{overflow:hidden;max-width:860px;margin:0 auto}.form-progress{display:flex;gap:8px;background:#eef3f8;padding:18px 24px}.progress-step{flex:1;height:6px;border-radius:999px;background:var(--border)}.progress-step.active{background:var(--accent)}.progress-step.done{background:var(--primary)}
.form-body{padding:32px}.form-step{display:none}.form-step.active{display:block}.subtitle{color:var(--text-light);margin-top:0}
.form-group{margin-bottom:20px}.form-group label,.form-group legend{display:block;font-weight:600;margin-bottom:8px}.form-group small{display:block;color:var(--text-light)}
select,input[type="text"]{width:100%;padding:12px 14px;border:2px solid var(--border);border-radius:8px;font:inherit}
.radio-grid,.checkbox-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px}.choice-card{display:block;background:#fff;border:2px solid var(--border);border-radius:10px;padding:14px;cursor:pointer}.choice-card input{margin-right:8px}.choice-card span{display:block;font-weight:700}.choice-card small{margin-top:4px}
fieldset{border:0;padding:0}.form-actions{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:32px;padding-top:24px;border-top:1px solid var(--border)}
.results-summary{background:linear-gradient(135deg,var(--primary-dark),var(--primary));color:#fff;padding:28px;border-radius:var(--radius);text-align:center;margin-bottom:24px}.plan-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:24px}.plan-card{overflow:hidden;border:2px solid transparent}.plan-card.recommended{border-color:var(--accent)}.plan-card-header,.plan-benefits,.plan-card-footer{padding:20px 24px}.plan-price{padding:20px 24px;background:#f4f8fb;text-align:center}.plan-price .amount{font-size:2rem;font-weight:800;color:var(--primary-dark)}.plan-badge{position:absolute;top:14px;right:14px;background:var(--accent);color:#fff;padding:5px 12px;border-radius:999px;font-size:.75rem;font-weight:700;text-transform:uppercase}.plan-card-inner{position:relative;height:100%}
.plan-benefit-row{display:flex;justify-content:space-between;gap:16px;padding:8px 0;border-bottom:1px solid var(--border)}.plan-benefit-row:last-child{border-bottom:0}.label{color:var(--text-light)}.value{text-align:right;font-weight:600}
.match-reasons{margin-top:16px;padding:14px 16px;background:#f8fbff;border-radius:10px}.match-reasons h4{margin:0 0 8px}.match-reasons ul{margin:0;padding-left:18px}
.info-box{padding:14px 16px;border-left:4px solid var(--primary);background:rgba(15,76,129,.06);border-radius:0 8px 8px 0}.info-box.warning{background:rgba(243,156,18,.10);border-color:var(--warning)}
.table-controls{display:flex;gap:16px;flex-wrap:wrap;align-items:center;margin-bottom:20px}.table-controls>*{flex:1;min-width:180px}.plans-table-wrapper{overflow:auto;border-radius:var(--radius);box-shadow:var(--shadow)}table{width:100%;border-collapse:collapse}th,td{padding:12px 16px;border-bottom:1px solid var(--border);text-align:left}th{background:var(--primary-dark);color:#fff;cursor:pointer}th[aria-sort="ascending"]::after{content:' ↑'}th[aria-sort="descending"]::after{content:' ↓'}tr:nth-child(even){background:#fbfdff}.table-count{text-align:center;color:var(--text-light);padding:12px}
footer{background:var(--primary-dark);color:rgba(255,255,255,.8);padding:40px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.footer-grid h4{color:#fff;margin-top:0}.footer-grid a{color:rgba(255,255,255,.8);display:block;margin-bottom:6px}
.benefit-good{color:var(--accent-dark)}.benefit-warn{color:var(--warning)}.benefit-bad{color:var(--danger)}
/* Payment gate teaser */
.teaser-header{text-align:center;margin-bottom:36px}.teaser-icon{font-size:3rem;margin-bottom:12px}.teaser-header h2{margin:0 0 8px;color:var(--primary-dark)}.teaser-header p{color:var(--text-light);margin:0}
.teaser-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-bottom:36px}
.teaser-plan-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;position:relative}.teaser-plan-card.blurred .teaser-plan-inner{filter:blur(8px);user-select:none;pointer-events:none}.teaser-plan-card.blurred::after{content:'Unlock to reveal';position:absolute;inset:0;display:grid;place-items:center;font-weight:700;color:var(--primary);font-size:1.1rem;background:rgba(255,255,255,.4)}
.teaser-plan-inner{padding:24px}.teaser-badge{display:inline-block;background:var(--accent);color:#fff;padding:4px 12px;border-radius:999px;font-size:.75rem;font-weight:700;text-transform:uppercase;margin-bottom:12px}
.teaser-plan-card h4{margin:0 0 4px;font-size:1.1rem}.teaser-insurer{color:var(--text-light);margin-bottom:16px}
.teaser-price{text-align:center;padding:16px 0;margin-bottom:12px;background:#f4f8fb;border-radius:8px}.teaser-amount{display:block;font-size:1.8rem;font-weight:800;color:var(--primary-dark)}.teaser-label{font-size:.85rem;color:var(--text-light)}
.teaser-benefits{font-size:.9rem}.teaser-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid var(--border)}.teaser-row:last-child{border-bottom:0}
.teaser-cta{text-align:center}.teaser-cta-box{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:36px;max-width:520px;margin:0 auto}.teaser-cta-box h3{margin:0 0 8px;font-size:1.4rem}.teaser-cta-box p{color:var(--text-light);margin:0 0 20px}
.teaser-unlock-btn{font-size:1.1rem;padding:16px 40px;width:100%}.teaser-cta-features{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:16px;font-size:.85rem;color:var(--accent-dark);font-weight:600}
/* Payment overlay */
.payment-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:100;display:grid;place-items:center;opacity:0;transition:opacity .3s}.payment-overlay.visible{opacity:1}
.payment-modal{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-lg);width:90%;max-width:480px;max-height:90vh;overflow-y:auto;padding:32px;animation:slideUp .3s ease}
@keyframes slideUp{from{transform:translateY(40px);opacity:0}to{transform:translateY(0);opacity:1}}
.payment-modal-header{text-align:center;margin-bottom:24px}.payment-modal-header h3{margin:0 0 6px;color:var(--primary-dark)}.payment-modal-header p{margin:0;color:var(--text-light)}
.payment-value-props{margin-bottom:24px}.value-item{display:flex;align-items:center;gap:10px;padding:8px 0;font-size:.95rem}.value-icon{color:var(--accent);font-weight:700;font-size:1.1rem}
.payment-form{display:flex;flex-direction:column;gap:16px}.payment-field label{display:block;font-weight:600;margin-bottom:6px;font-size:.9rem}.payment-field input{width:100%;padding:12px 14px;border:2px solid var(--border);border-radius:8px;font:inherit;font-size:1rem}.payment-field input:focus{outline:none;border-color:var(--primary)}
.payment-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.payment-submit-btn{font-size:1.1rem;padding:16px;width:100%;margin-top:8px;position:relative}.payment-submit-btn.success{background:var(--accent)}
.payment-spinner{display:inline-block;width:18px;height:18px;border:3px solid rgba(255,255,255,.3);border-top-color:#fff;border-radius:50%;animation:spin 0.6s linear infinite;vertical-align:middle}
@keyframes spin{to{transform:rotate(360deg)}}
.payment-success-check{font-size:1.2rem;margin-right:6px}
.payment-disclaimer{text-align:center;font-size:.8rem;color:var(--text-light);margin:16px 0 0}
/* Savings insights */
.insights-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.insight-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}.insight-icon{font-size:2rem;margin-bottom:12px}.insight-card h3{margin:0 0 8px;color:var(--primary-dark);font-size:1.05rem}.insight-card p{margin:0;color:var(--text-light);font-size:.92rem;line-height:1.6}
[hidden]{display:none!important}
@media (max-width: 768px){.hero h1{font-size:2.1rem}.nav-links{display:none}.footer-grid{grid-template-columns:1fr}.form-body{padding:24px}.form-actions{flex-wrap:wrap}.table-controls{flex-direction:column}.table-controls>*{width:100%}}