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

body {
    font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
    color: #1a1a2e;
    background: #f5f7fa;
}

/* NAV */
nav {
    background: #fff;
    box-shadow: 0 1px 4px rgba(0,0,0,.08);
    position: sticky; top: 0; z-index: 100;
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 40px; height: 64px;
}
.logo {
    font-size: 22px; font-weight: 700; color: #0052cc;
    text-decoration: none; display: flex; align-items: center; gap: 8px;
}
.logo .shield { font-size: 26px; }
nav ul { list-style: none; display: flex; gap: 28px; align-items: center; }
nav ul li a {
    text-decoration: none; color: #333; font-size: 15px; font-weight: 500;
    transition: color .2s;
}
nav ul li a:hover { color: #0052cc; }
.btn {
    display: inline-block; padding: 10px 24px; border-radius: 6px;
    font-weight: 600; font-size: 15px; text-decoration: none;
    cursor: pointer; border: none; transition: background .2s, transform .1s;
}
.btn:active { transform: scale(.97); }
.btn-primary { background: #0052cc; color: #fff; }
.btn-primary:hover { background: #003d99; }
.btn-outline { background: transparent; color: #0052cc; border: 2px solid #0052cc; }
.btn-outline:hover { background: #e6efff; }
.btn-white { background: #fff; color: #0052cc; }
.btn-white:hover { background: #e6efff; }

/* HERO */
.hero {
    background: linear-gradient(135deg, #0052cc 0%, #003d99 60%, #00256e 100%);
    color: #fff; padding: 80px 40px; text-align: center;
}
.hero h1 { font-size: 44px; margin-bottom: 16px; line-height: 1.2; }
.hero p { font-size: 19px; opacity: .9; max-width: 600px; margin: 0 auto 32px; }
.hero-quote {
    display: flex; gap: 0; max-width: 480px; margin: 0 auto;
    border-radius: 8px; overflow: hidden; box-shadow: 0 4px 20px rgba(0,0,0,.2);
}
.hero-quote input {
    flex: 1; padding: 16px 20px; font-size: 16px; border: none; outline: none;
}
.hero-quote button { padding: 16px 28px; white-space: nowrap; }

/* STATS BAR */
.stats {
    display: flex; justify-content: center; gap: 60px;
    padding: 40px 20px; background: #fff;
    border-bottom: 1px solid #e8ecf0;
}
.stat { text-align: center; }
.stat .num { font-size: 32px; font-weight: 700; color: #0052cc; }
.stat .label { font-size: 14px; color: #666; margin-top: 4px; }

/* SECTIONS */
section { padding: 60px 40px; max-width: 1100px; margin: 0 auto; }
section h2 { font-size: 30px; text-align: center; margin-bottom: 40px; color: #1a1a2e; }

/* COVERAGE CARDS */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.card {
    background: #fff; border-radius: 10px; padding: 28px;
    box-shadow: 0 2px 8px rgba(0,0,0,.06);
    transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,.1); }
.card .icon { font-size: 36px; margin-bottom: 12px; }
.card h3 { font-size: 18px; margin-bottom: 8px; }
.card p { font-size: 14px; color: #555; line-height: 1.5; }

/* WHY US */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; text-align: center; }
.why-item .icon { font-size: 40px; margin-bottom: 12px; }
.why-item h3 { margin-bottom: 6px; }
.why-item p { font-size: 14px; color: #555; }

/* DISCOUNTS */
.discount-list {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 16px;
    max-width: 800px; margin: 0 auto;
}
.discount-item {
    display: flex; align-items: center; gap: 12px;
    background: #fff; padding: 16px 20px; border-radius: 8px;
    box-shadow: 0 1px 4px rgba(0,0,0,.05);
}
.discount-item .check { color: #00a854; font-size: 20px; font-weight: 700; }

/* CTA BANNER */
.cta-banner {
    background: linear-gradient(135deg, #0052cc, #003d99);
    color: #fff; text-align: center; padding: 60px 40px;
    margin: 0;
}
.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p { opacity: .9; margin-bottom: 24px; font-size: 17px; }

/* FOOTER */
footer {
    background: #1a1a2e; color: #aab; padding: 40px;
}
.footer-grid {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 32px; max-width: 1100px; margin: 0 auto;
}
.footer-col h4 { color: #fff; margin-bottom: 12px; font-size: 15px; }
.footer-col a { display: block; color: #8899aa; text-decoration: none; font-size: 14px; margin-bottom: 6px; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
    text-align: center; color: #556; font-size: 13px;
    margin-top: 32px; padding-top: 20px; border-top: 1px solid #2a2a3e;
}

/* SIGN IN PAGE (standalone) */
.signin-page {
    min-height: calc(100vh - 64px);
    display: flex; align-items: center; justify-content: center;
    background: linear-gradient(135deg, #f0f4ff 0%, #e0eaff 100%);
    padding: 40px 20px;
}
.signin-box {
    background: #fff; border-radius: 12px; padding: 40px;
    box-shadow: 0 8px 32px rgba(0,0,0,.1);
    width: 100%; max-width: 420px;
}

/* SIGN IN MODAL OVERLAY */
.modal-overlay {
    position: fixed; inset: 0; z-index: 1000;
    background: rgba(0,0,0,0);
    display: flex; align-items: center; justify-content: center;
    opacity: 0; pointer-events: none;
    transition: background .4s, opacity .4s;
}
.modal-overlay.show {
    background: rgba(0,0,0,.55);
    opacity: 1; pointer-events: auto;
}
.modal-overlay .signin-box {
    transform: translateY(30px) scale(.96);
    transition: transform .4s cubic-bezier(.22,1,.36,1);
}
.modal-overlay.show .signin-box {
    transform: translateY(0) scale(1);
}
.signin-box h1 { font-size: 24px; margin-bottom: 6px; text-align: center; }
.signin-box .sub { text-align: center; color: #666; font-size: 14px; margin-bottom: 28px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; color: #333; }
.form-group input {
    width: 100%; padding: 12px 14px; border: 1.5px solid #d0d5dd; border-radius: 6px;
    font-size: 15px; outline: none; transition: border-color .2s;
}
.form-group input:focus { border-color: #0052cc; box-shadow: 0 0 0 3px rgba(0,82,204,.1); }
.signin-box .btn { width: 100%; text-align: center; padding: 13px; font-size: 16px; margin-top: 6px; }
.signin-extras {
    display: flex; justify-content: space-between; align-items: center;
    margin-top: 16px; font-size: 13px;
}
.signin-extras a { color: #0052cc; text-decoration: none; }
.signin-extras label { display: flex; align-items: center; gap: 6px; color: #555; cursor: pointer; }
.divider { text-align: center; color: #999; font-size: 13px; margin: 20px 0; position: relative; }
.divider::before, .divider::after {
    content: ''; position: absolute; top: 50%; width: 40%; height: 1px; background: #ddd;
}
.divider::before { left: 0; }
.divider::after { right: 0; }
.signin-footer { text-align: center; font-size: 13px; color: #666; margin-top: 20px; }
.signin-footer a { color: #0052cc; text-decoration: none; font-weight: 600; }

/* DASHBOARD */
.dash-header {
    background: linear-gradient(135deg, #0052cc, #003d99);
    color: #fff; padding: 32px 40px;
}
.dash-header h1 { font-size: 26px; }
.dash-header p { opacity: .85; margin-top: 4px; }
.dash-content { max-width: 1000px; margin: 0 auto; padding: 32px 40px; }
.dash-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.dash-card {
    background: #fff; border-radius: 10px; padding: 24px;
    box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.dash-card h3 { font-size: 16px; color: #0052cc; margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.dash-card p { font-size: 14px; color: #555; line-height: 1.6; }
.dash-card .value { font-size: 22px; font-weight: 700; color: #1a1a2e; }
.policy-table { width: 100%; margin-top: 24px; border-collapse: collapse; }
.policy-table th, .policy-table td { text-align: left; padding: 10px 12px; font-size: 14px; }
.policy-table th { background: #f5f7fa; color: #555; font-weight: 600; }
.policy-table td { border-bottom: 1px solid #eee; }
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 12px; font-weight: 600; }
.badge-green { background: #e6f9ee; color: #00a854; }

/* LOADING SPINNER */
.spinner { display: none; margin: 12px auto 0; }
.spinner.show { display: block; }
.spinner::after {
    content: ''; display: block; width: 28px; height: 28px; margin: 0 auto;
    border: 3px solid #d0d5dd; border-top-color: #0052cc; border-radius: 50%;
    animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* RESPONSIVE */
@media (max-width: 768px) {
    nav { padding: 0 16px; }
    nav ul { gap: 16px; }
    .hero { padding: 48px 20px; }
    .hero h1 { font-size: 30px; }
    .stats { gap: 24px; flex-wrap: wrap; }
    section { padding: 40px 20px; }
}