:root {
  --navy: #0d1f3c;
  --navy-light: #1a3560;
  --gold: #c9a84c;
  --gold-dark: #b3923a;
  --bg: #f6f8fa;
  --card-bg: #ffffff;
  --border: #e1e6ea;
  --text: #1c2733;
  --text-muted: #5b6b7a;
  --radius: 8px;
  --shadow: 0 2px 8px rgba(13, 31, 60, 0.08);
  --shadow-hover: 0 6px 20px rgba(13, 31, 60, 0.14);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "DM Sans", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
}

h1, h2, h3, h4, .brand, .plan-card h4, .modal h3, .category-card h3 {
  font-family: "Playfair Display", Georgia, serif;
}

a { color: var(--navy); }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  position: relative;
}
.nav-toggle-checkbox { display: none; }
.nav-toggle-btn {
  display: none;
  cursor: pointer;
  background: none;
  border: none;
  color: #fff;
  font-size: 1.6rem;
  line-height: 1;
  padding: 4px;
}
.brand {
  display: flex;
  align-items: baseline;
  gap: 8px;
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  font-size: 1.2rem;
}
.brand small {
  font-family: "DM Sans", system-ui, sans-serif;
  font-weight: 500;
  font-size: 0.68rem;
  color: var(--gold);
  letter-spacing: 0.06em;
}
.site-header nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.site-header nav a {
  color: #dce6ef;
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
}
.site-header nav a:hover,
.site-header nav a.active { color: #fff; }

@media (max-width: 860px) {
  .nav-toggle-btn { display: block; }
  .site-header nav {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 18px 24px 24px;
    box-shadow: 0 10px 20px rgba(0,0,0,0.25);
  }
  .nav-toggle-checkbox:checked ~ nav {
    display: flex;
  }
  .btn-header-cta { align-self: flex-start; }
}
.btn-header-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 9px 18px;
  border-radius: 4px;
  font-weight: 700;
}
.btn-header-cta:hover { background: var(--gold-dark); }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 64px 0 72px;
  text-align: center;
}
.hero h1 {
  font-size: 2.5rem;
  margin: 0 0 14px;
  font-weight: 800;
}
.hero p {
  font-family: "DM Sans", system-ui, sans-serif;
  font-size: 1.1rem;
  color: #cfdce7;
  max-width: 640px;
  margin: 0 auto 28px;
}
.hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: 4px;
  font-weight: 700;
  text-decoration: none;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  font-family: "DM Sans", system-ui, sans-serif;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-dark); }
.btn-secondary { background: rgba(255,255,255,0.08); color: #fff; border: 2px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.18); }

/* Trust bar */
.trust-bar {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
}
.trust-bar .container {
  display: flex;
  gap: 32px;
  justify-content: center;
  flex-wrap: wrap;
  font-size: 0.9rem;
  color: var(--text-muted);
  font-weight: 600;
}
.trust-bar span { display: flex; align-items: center; gap: 6px; }

/* Section headings */
.section { padding: 56px 0; }
.section h2 {
  font-size: 1.8rem;
  margin: 0 0 8px;
  color: var(--navy);
}
.section .lead { color: var(--text-muted); margin: 0 0 32px; max-width: 620px; }

/* Category cards on homepage */
.category-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.category-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: box-shadow 0.15s, transform 0.15s;
}
.category-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-2px); }
.category-card h3 { margin: 0 0 8px; color: var(--navy); }
.category-card p { color: var(--text-muted); margin: 0 0 18px; }

/* Plans layout */
.plans-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 28px;
  align-items: start;
}
@media (max-width: 860px) {
  .plans-layout { grid-template-columns: 1fr; }
}

.filters {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
}
@media (min-width: 861px) {
  .filters {
    position: sticky;
    top: 88px;
  }
}
.filters h3 { margin: 0 0 14px; font-size: 1rem; color: var(--navy); font-family: "Playfair Display", Georgia, serif; }
.filter-group { margin-bottom: 20px; }
.filter-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
}
.filter-group select,
.filter-group input {
  width: 100%;
  padding: 9px 10px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-size: 0.9rem;
  background: #fff;
  font-family: inherit;
}
.filter-chip-row { display: flex; flex-wrap: wrap; gap: 8px; }
.filter-chip {
  border: 1px solid var(--border);
  background: #fff;
  padding: 6px 12px;
  border-radius: 20px;
  font-size: 0.82rem;
  cursor: pointer;
  color: var(--text);
  font-family: inherit;
}
.filter-chip.active { background: var(--navy); color: #fff; border-color: var(--navy); }

#results-count { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 16px; }

.plan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 20px;
}

.plan-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  cursor: pointer;
  transition: box-shadow 0.15s, transform 0.15s;
}
.plan-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-2px); }
.plan-card .badge {
  align-self: flex-start;
  background: #f5eed9;
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 10px;
}
.plan-card .carrier { font-size: 0.82rem; color: var(--text-muted); margin: 0 0 2px; }
.plan-card h4 { margin: 0 0 10px; font-size: 1.15rem; color: var(--navy); }
.plan-card .price { font-size: 1.6rem; font-weight: 800; color: var(--navy); margin: 6px 0 2px; font-family: "Playfair Display", Georgia, serif; }
.plan-card .price span { font-size: 0.85rem; font-weight: 500; color: var(--text-muted); font-family: "DM Sans", system-ui, sans-serif; }
.plan-card ul {
  margin: 10px 0 16px;
  padding-left: 18px;
  color: var(--text-muted);
  font-size: 0.88rem;
  flex-grow: 1;
}
.plan-card ul li { margin-bottom: 4px; }
.plan-card .card-actions {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.plan-card .card-actions a,
.plan-card .card-actions button {
  font-size: 0.82rem;
  padding: 8px 12px;
  border-radius: 4px;
  text-decoration: none;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--text);
  cursor: pointer;
  font-family: inherit;
}
.plan-card .card-actions .cta {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  font-weight: 700;
}

.no-results {
  text-align: center;
  padding: 60px 20px;
  color: var(--text-muted);
}

/* Modal */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(13, 31, 60, 0.55);
  z-index: 100;
  align-items: flex-start;
  justify-content: center;
  padding: 40px 16px;
  overflow-y: auto;
}
.modal-overlay.open { display: flex; }
.modal {
  background: #fff;
  border-radius: var(--radius);
  max-width: 560px;
  width: 100%;
  padding: 32px;
  position: relative;
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: none;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  color: var(--text-muted);
}
.modal h3 { margin: 0 0 4px; color: var(--navy); }
.modal .carrier { color: var(--text-muted); margin: 0 0 18px; }
.modal .price-row { display: flex; gap: 18px 24px; margin-bottom: 18px; flex-wrap: wrap; }
.modal .price-row div strong { display: block; font-size: 1.3rem; color: var(--navy); font-family: "Playfair Display", Georgia, serif; }
.modal .price-row div span { font-size: 0.8rem; color: var(--text-muted); }
.modal ul { padding-left: 18px; color: var(--text); }
.modal .doc-links { display: flex; gap: 10px; margin: 18px 0; flex-wrap: wrap; }
.modal .doc-links a {
  border: 1px solid var(--border);
  padding: 9px 14px;
  border-radius: 4px;
  text-decoration: none;
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 600;
}
.modal .doc-links a:hover { background: var(--bg); }

.rate-table-wrap {
  overflow-x: auto;
  margin: 0 0 16px;
  border: 1px solid var(--border);
  border-radius: 8px;
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  white-space: nowrap;
}
.rate-table th,
.rate-table td {
  padding: 8px 10px;
  text-align: right;
  border-bottom: 1px solid var(--border);
}
.rate-table th:first-child,
.rate-table td:first-child {
  text-align: left;
  font-weight: 600;
  color: var(--navy);
}
.rate-table thead th {
  background: var(--bg);
  color: var(--text-muted);
  font-weight: 700;
}
.rate-table tbody tr:last-child td { border-bottom: none; }

/* Contact form */
.contact-form { display: flex; flex-direction: column; gap: 14px; margin-top: 18px; }
.contact-form label { font-size: 0.85rem; font-weight: 600; }
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-size: 0.92rem;
  font-family: inherit;
}
.contact-form textarea { resize: vertical; min-height: 80px; }

/* Footer */
.site-footer {
  background: var(--navy);
  color: #b9c8d6;
  padding: 40px 0 28px;
  margin-top: 40px;
  font-size: 0.85rem;
}
.site-footer .footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 24px;
  margin-bottom: 24px;
}
@media (max-width: 700px) {
  .site-footer .footer-grid { grid-template-columns: 1fr; }
}
.site-footer h4 { color: var(--gold); margin: 0 0 10px; font-size: 0.9rem; font-family: "DM Sans", system-ui, sans-serif; }
.site-footer a { color: #b9c8d6; text-decoration: none; display: block; margin-bottom: 6px; }
.site-footer a:hover { color: #fff; }
.footer-disclosure {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 18px;
  font-size: 0.78rem;
  color: #93a5b5;
  line-height: 1.6;
}

.placeholder-banner {
  background: #fff4e0;
  border-bottom: 1px solid #f0d9a8;
  color: #7a5a13;
  text-align: center;
  font-size: 0.82rem;
  padding: 8px 16px;
}