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

:root {
  --bg: #0a0e1a;
  --bg-card: #111827;
  --bg-card-hover: #1a2235;
  --border: #1e293b;
  --border-light: #334155;
  --text: #e2e8f0;
  --text-muted: #94a3b8;
  --text-dim: #64748b;
  --primary: #3b82f6;
  --primary-hover: #2563eb;
  --primary-glow: rgba(59, 130, 246, 0.15);
  --success: #10b981;
  --success-bg: rgba(16, 185, 129, 0.1);
  --warning: #f59e0b;
  --warning-bg: rgba(245, 158, 11, 0.1);
  --danger: #ef4444;
  --danger-bg: rgba(239, 68, 68, 0.1);
  --accent: #f97316;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 4px 24px rgba(0,0,0,0.3);
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, sans-serif; background: var(--bg); color: var(--text); line-height: 1.6; min-height: 100vh; }

/* Navbar */
.navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 100; background: rgba(10, 14, 26, 0.85); backdrop-filter: blur(20px); border-bottom: 1px solid var(--border); }
.nav-content { max-width: 1200px; margin: 0 auto; padding: 0 24px; height: 64px; display: flex; align-items: center; justify-content: space-between; }
.logo { display: flex; align-items: center; gap: 10px; cursor: pointer; text-decoration: none; }
.logo-icon { font-size: 24px; }
.logo-text { font-size: 20px; font-weight: 700; letter-spacing: -0.5px; }
.nav-steps { display: flex; gap: 4px; }
.nav-step { background: none; border: none; color: var(--text-dim); font-size: 13px; padding: 6px 14px; border-radius: 20px; cursor: pointer; font-family: inherit; transition: all 0.2s; }
.nav-step.active { background: var(--primary-glow); color: var(--primary); }
.nav-step.completed { color: var(--success); }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 10px 20px; border: none; border-radius: var(--radius-sm); font-family: inherit; font-size: 14px; font-weight: 500; cursor: pointer; transition: all 0.2s; }
.btn:disabled { opacity: 0.4; cursor: not-allowed; }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover:not(:disabled) { background: var(--primary-hover); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(59,130,246,0.3); }
.btn-ghost { background: transparent; color: var(--text-muted); border: 1px solid var(--border); }
.btn-ghost:hover { border-color: var(--border-light); color: var(--text); }
.btn-lg { padding: 14px 28px; font-size: 16px; border-radius: var(--radius); }
.btn-sm { padding: 6px 14px; font-size: 13px; }
.btn-success { background: var(--success); color: #fff; }
.btn-success:hover { background: #059669; }

/* Steps */
.step { display: none; padding-top: 80px; min-height: 100vh; }
.step.active { display: block; }
.step-container { max-width: 800px; margin: 0 auto; padding: 40px 24px 80px; }
.step-container.wide { max-width: 1100px; }
.step-header { margin-bottom: 40px; }
.step-number { font-size: 13px; color: var(--primary); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }
.step-header h2 { font-size: 32px; font-weight: 700; margin: 8px 0; letter-spacing: -0.5px; }
.step-header p { color: var(--text-muted); font-size: 16px; }
.step-footer { display: flex; justify-content: space-between; align-items: center; margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--border); }
.selected-count { font-size: 14px; color: var(--text-muted); }

/* Hero */
.hero { max-width: 1200px; margin: 0 auto; padding: 80px 24px 60px; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; min-height: calc(100vh - 64px); }
.hero-badge { display: inline-block; padding: 6px 16px; background: var(--primary-glow); color: var(--primary); border-radius: 20px; font-size: 13px; font-weight: 500; margin-bottom: 20px; border: 1px solid rgba(59,130,246,0.2); }
.hero h1 { font-size: 48px; font-weight: 800; line-height: 1.15; letter-spacing: -1.5px; margin-bottom: 20px; }
.gradient-text { background: linear-gradient(135deg, var(--primary), var(--accent)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-subtitle { font-size: 18px; color: var(--text-muted); line-height: 1.7; margin-bottom: 32px; max-width: 520px; }
.hero-actions { display: flex; gap: 12px; margin-bottom: 48px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 40px; }
.stat { display: flex; flex-direction: column; }
.stat-number { font-size: 28px; font-weight: 700; color: var(--text); }
.stat-label { font-size: 13px; color: var(--text-dim); }

/* Hero visual */
.hero-visual { display: flex; justify-content: center; }
.hero-card-stack { position: relative; width: 320px; height: 300px; }
.hero-mock-card { position: absolute; width: 280px; padding: 24px; border-radius: 16px; background: var(--bg-card); border: 1px solid var(--border); box-shadow: var(--shadow); transition: transform 0.3s; }
.hero-mock-card.c1 { top: 0; left: 20px; transform: rotate(-3deg); z-index: 3; }
.hero-mock-card.c2 { top: 40px; left: 40px; transform: rotate(1deg); z-index: 2; }
.hero-mock-card.c3 { top: 80px; left: 10px; transform: rotate(-1deg); z-index: 1; }
.hero-card-stack:hover .c1 { transform: rotate(-3deg) translateY(-8px); }
.hero-card-stack:hover .c2 { transform: rotate(1deg) translateY(4px); }
.mock-chip { width: 36px; height: 26px; background: linear-gradient(135deg, #DAA520, #B8860B); border-radius: 6px; margin-bottom: 16px; }
.mock-label { font-size: 14px; color: var(--text-muted); margin-bottom: 8px; }
.mock-status { font-size: 14px; font-weight: 600; }
.mock-status.covered { color: var(--success); }
.mock-status.gap { color: var(--warning); }

/* Features */
.features { max-width: 1100px; margin: 0 auto; padding: 80px 24px; }
.features h2 { text-align: center; font-size: 32px; font-weight: 700; margin-bottom: 48px; }
.features-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.feature-card { padding: 32px 24px; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); transition: all 0.2s; }
.feature-card:hover { border-color: var(--border-light); transform: translateY(-2px); }
.feature-icon { font-size: 32px; margin-bottom: 16px; }
.feature-card h3 { font-size: 16px; font-weight: 600; margin-bottom: 8px; }
.feature-card p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* Social proof / disclaimer */
.social-proof { max-width: 800px; margin: 0 auto; padding: 40px 24px 80px; text-align: center; }
.disclaimer { font-size: 13px; color: var(--text-dim); padding: 20px; border: 1px solid var(--border); border-radius: var(--radius); background: var(--bg-card); }

/* Card Grid */
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 16px; }
.credit-card { padding: 20px; border-radius: var(--radius); border: 2px solid var(--border); background: var(--bg-card); cursor: pointer; transition: all 0.2s; position: relative; }
.credit-card:hover { border-color: var(--border-light); transform: translateY(-2px); box-shadow: var(--shadow); }
.credit-card.selected { border-color: var(--primary); background: rgba(59,130,246,0.05); }
.credit-card.selected::after { content: '✓'; position: absolute; top: 12px; right: 12px; width: 28px; height: 28px; background: var(--primary); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; }
.card-brand { display: inline-block; padding: 3px 10px; border-radius: 4px; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.card-name { font-size: 17px; font-weight: 600; margin-bottom: 4px; }
.card-issuer { font-size: 13px; color: var(--text-dim); margin-bottom: 12px; }
.card-fee { font-size: 12px; color: var(--text-muted); }
.card-highlights { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px; }
.card-highlight { font-size: 11px; padding: 3px 8px; border-radius: 4px; background: var(--primary-glow); color: var(--primary); }

/* Form */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group.full-width { grid-column: 1 / -1; }
.form-group label { font-size: 14px; font-weight: 500; color: var(--text-muted); }
.form-input { padding: 12px 16px; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-sm); color: var(--text); font-family: inherit; font-size: 15px; transition: border-color 0.2s; }
.form-input:focus { outline: none; border-color: var(--primary); }
select.form-input { cursor: pointer; }
.number-input { display: flex; align-items: stretch; }
.number-input button { width: 44px; background: var(--bg-card); border: 1px solid var(--border); color: var(--text); font-size: 18px; cursor: pointer; transition: background 0.2s; }
.number-input button:first-child { border-radius: var(--radius-sm) 0 0 var(--radius-sm); }
.number-input button:last-child { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.number-input button:hover { background: var(--bg-card-hover); }
.number-input input { flex: 1; text-align: center; border-radius: 0; border-left: none; border-right: none; -moz-appearance: textfield; }
.number-input input::-webkit-inner-spin-button { -webkit-appearance: none; }

/* Activity tags */
.activity-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.tag { padding: 8px 14px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 20px; color: var(--text-muted); font-family: inherit; font-size: 13px; cursor: pointer; transition: all 0.2s; }
.tag:hover { border-color: var(--border-light); }
.tag.active { border-color: var(--accent); color: var(--accent); background: rgba(249,115,22,0.08); }

/* Coverage Grid */
.coverage-grid { display: grid; gap: 12px; margin-top: 20px; }
.coverage-item { display: grid; grid-template-columns: 40px 1fr auto; gap: 16px; align-items: center; padding: 16px 20px; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-sm); }
.coverage-icon { font-size: 24px; text-align: center; }
.coverage-info h4 { font-size: 15px; font-weight: 600; margin-bottom: 2px; }
.coverage-info p { font-size: 13px; color: var(--text-muted); }
.coverage-status { text-align: right; }
.coverage-amount { font-size: 15px; font-weight: 600; }
.coverage-card-name { font-size: 11px; color: var(--text-dim); }
.status-covered { color: var(--success); }
.status-partial { color: var(--warning); }
.status-gap { color: var(--danger); }
.coverage-item.gap { border-color: rgba(239,68,68,0.3); background: var(--danger-bg); }
.coverage-item.partial { border-color: rgba(245,158,11,0.3); background: var(--warning-bg); }
.coverage-item.covered { border-color: rgba(16,185,129,0.2); }

/* Risk Section */
.risk-section, .medical-costs-section { margin-top: 40px; }
.risk-section h3, .medical-costs-section h3 { font-size: 20px; font-weight: 600; margin-bottom: 16px; }
.risk-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.risk-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; }
.risk-item { padding: 12px; }
.risk-label { font-size: 12px; color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
.risk-value { font-size: 15px; font-weight: 500; }
.risk-notes { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--border); font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.risk-advisory { margin-top: 12px; padding: 12px 16px; background: var(--warning-bg); border: 1px solid rgba(245,158,11,0.2); border-radius: var(--radius-sm); font-size: 14px; color: var(--warning); }

/* Costs Grid */
.costs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 12px; margin-top: 16px; }
.cost-item { padding: 16px; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-sm); text-align: center; }
.cost-emoji { font-size: 24px; margin-bottom: 8px; }
.cost-label { font-size: 13px; color: var(--text-muted); margin-bottom: 4px; }
.cost-amount { font-size: 20px; font-weight: 700; color: var(--danger); }

/* Quotes Grid */
.quotes-grid { display: grid; gap: 20px; }
.quote-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: start; transition: all 0.2s; }
.quote-card:hover { border-color: var(--border-light); box-shadow: var(--shadow); }
.quote-card.best { border-color: var(--primary); position: relative; }
.quote-card.best::before { content: '⭐ Best Value'; position: absolute; top: -12px; left: 20px; background: var(--primary); color: #fff; padding: 4px 12px; border-radius: 12px; font-size: 12px; font-weight: 600; }
.quote-header { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.quote-logo { font-size: 28px; }
.quote-name { font-size: 18px; font-weight: 600; }
.quote-tagline { font-size: 13px; color: var(--text-dim); }
.quote-rating { font-size: 13px; color: var(--warning); }
.quote-features { list-style: none; margin: 12px 0; }
.quote-features li { font-size: 13px; color: var(--text-muted); padding: 3px 0; }
.quote-features li::before { content: '✓ '; color: var(--success); font-weight: 700; }
.quote-coverage { margin-top: 12px; }
.quote-coverage-title { font-size: 12px; color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.quote-coverage-items { display: flex; flex-wrap: wrap; gap: 6px; }
.quote-coverage-item { font-size: 12px; padding: 4px 10px; background: var(--success-bg); color: var(--success); border-radius: 12px; }
.quote-price-section { text-align: right; display: flex; flex-direction: column; align-items: flex-end; gap: 8px; min-width: 160px; }
.quote-price { font-size: 36px; font-weight: 700; }
.quote-price-label { font-size: 13px; color: var(--text-dim); }
.quote-per-day { font-size: 14px; color: var(--text-muted); }
.quote-best-for { font-size: 12px; padding: 4px 10px; background: var(--primary-glow); color: var(--primary); border-radius: 12px; }

/* Quotes disclaimer */
.quotes-disclaimer { margin-top: 32px; padding: 20px; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); }
.quotes-disclaimer p { font-size: 13px; color: var(--text-dim); line-height: 1.6; }

/* Results layout */
.results-layout { display: flex; flex-direction: column; gap: 0; }

/* Footer */
.footer { background: var(--bg-card); border-top: 1px solid var(--border); padding: 40px 24px; margin-top: 40px; }
.footer-content { max-width: 800px; margin: 0 auto; text-align: center; }
.footer-brand { font-size: 18px; font-weight: 700; margin-bottom: 12px; }
.footer p { font-size: 13px; color: var(--text-dim); margin-bottom: 8px; line-height: 1.6; }
.footer-copy { font-size: 12px; }

/* Responsive */
@media (max-width: 768px) {
  .hero { grid-template-columns: 1fr; padding: 40px 20px; }
  .hero h1 { font-size: 32px; }
  .hero-visual { display: none; }
  .hero-stats { gap: 24px; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .nav-steps { display: none; }
  .card-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .quote-card { grid-template-columns: 1fr; }
  .quote-price-section { flex-direction: row; align-items: center; justify-content: space-between; width: 100%; }
  .costs-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .features-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .btn-lg { width: 100%; justify-content: center; }
}

/* Animations */
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.step.active { animation: fadeIn 0.3s ease; }

/* Scrollbar */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--border-light); border-radius: 4px; }