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

html {
    overflow-x: hidden;
    width: 100%;
    max-width: 100%;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    line-height: 1.6;
    color: #333;
    background-color: #fff;
    overflow-x: hidden;
    width: 100%;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    width: 100%;
    overflow-x: hidden;
}

/* Header */
.header {
    background-color: #fff;
    border-bottom: 1px solid #e0e0e0;
    padding: 15px 0;
    position: sticky;
    top: 0;
    z-index: 1001;
    overflow: visible;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    position: relative;
    overflow: visible;
}

.nav-wrapper {
    margin-left: auto;
    position: relative;
}

.header-content .nav {
    margin-left: auto;
}

@media (max-width: 768px) {
    .header-content .nav {
        margin-left: 0;
    }
}

/* Hamburger Menu Toggle Button */
.nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-around;
    width: 30px;
    height: 30px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
    z-index: 1001;
    position: relative;
}

.hamburger-line {
    width: 100%;
    height: 3px;
    background-color: #0066cc;
    border-radius: 3px;
    transition: all 0.3s ease;
}

.nav-toggle:hover .hamburger-line {
    background-color: #0066cc;
}

.nav-toggle-active .hamburger-line:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.nav-toggle-active .hamburger-line:nth-child(2) {
    opacity: 0;
}

.nav-toggle-active .hamburger-line:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

.logo {
    display: flex;
    align-items: center;
}

.logo a {
    display: flex;
    align-items: center;
    text-decoration: none;
}

.logo-img {
    height: 40px;
    width: auto;
    object-fit: contain;
}

/* Navigation Menu - Desktop */
/* Navigation - Desktop only */
@media (min-width: 769px) {
    .nav {
        display: flex;
        gap: 30px;
    }
}

.nav-link {
    text-decoration: none;
    color: #0066cc;
    font-weight: 500;
    transition: color 0.3s;
}

.nav-link:hover {
    color: #0066cc;
}

.search-icon {
    display: none;
}

/* Hero Section */
.hero {
    padding: 40px 0 0;
    background: linear-gradient(to bottom, #fff 0%, #f8f9fa 100%);
    position: relative;
    min-height: calc(100vh - 80px);
    display: flex;
    flex-direction: column;
    overflow-x: visible;
    overflow-y: hidden;
    margin-bottom: 0;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: 
        radial-gradient(circle at 20% 30%, rgba(0, 102, 204, 0.06) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(0, 102, 204, 0.06) 0%, transparent 50%),
        radial-gradient(circle at 50% 50%, rgba(0, 102, 204, 0.04) 0%, transparent 50%),
        url("data:image/svg+xml,%3Csvg width='100' height='100' xmlns='http://www.w3.org/2000/svg'%3E%3Cdefs%3E%3Cpattern id='shield' x='0' y='0' width='40' height='40' patternUnits='userSpaceOnUse'%3E%3Cpath d='M20 5 L30 10 L30 20 Q30 30 20 35 Q10 30 10 20 L10 10 Z' fill='none' stroke='%230066cc' stroke-width='0.5' opacity='0.1'/%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100' height='100' fill='url(%23shield)'/%3E%3C/svg%3E");
    pointer-events: none;
    z-index: 0;
    opacity: 0.3;
}

.hero::after {
    content: '';
    position: absolute;
    top: 10%;
    right: 5%;
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(0, 102, 204, 0.08) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
    z-index: 0;
}

.hero .container {
    position: relative;
    z-index: 1;
    padding-bottom: 150px;
    flex: 1;
    display: flex;
    flex-direction: column;
    overflow-x: visible;
}

.hero-title {
    font-size: 48px;
    font-weight: bold;
    color: #0066cc;
    text-align: center;
    word-wrap: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
}

.hero-subtitle {
    font-size: 20px;
    color: #666;
    text-align: center;
    margin-bottom: 40px;
    word-wrap: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
}

.insurance-cards {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 30px;
    flex-wrap: wrap;
}

.insurance-card {
    background: #fff;
    border: 2px solid #e0e0e0;
    border-radius: 12px;
    padding: 30px;
    text-align: center;
    cursor: pointer;
    transition: all 0.3s;
    width: 170px;
    height: 170px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.insurance-card:hover {
    border-color: #0066cc;
    transform: translateY(-2px);
}

.insurance-card.active {
    background: #e6f2ff;
    border-color: #0066cc;
}

.card-icon {
    width: 80%;
    height: 80%;
    max-width: 136px;
    max-height: 136px;
    object-fit: contain;
    margin-bottom: 10px;
    user-select: none;
    -webkit-user-select: none;
    -moz-user-select: none;
    -ms-user-select: none;
    -webkit-user-drag: none;
    -khtml-user-drag: none;
    -moz-user-drag: none;
    -o-user-drag: none;
}

.card-label {
    font-size: 18px;
    font-weight: 600;
    color: #333;
}

.hero-description {
    text-align: center;
    color: #666;
    font-size: 16px;
    margin-bottom: 40px;
}

.cityscape-illustration {
    height: 150px;
    width: 100vw;
    max-width: 100vw;
    position: absolute;
    left: 50%;
    margin-left: -50vw;
    bottom: 0;
    background: linear-gradient(to bottom, transparent 0%, #e6f2ff 100%);
    background-image: 
        linear-gradient(to bottom, transparent 0%, #e6f2ff 100%),
        url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 150'%3E%3Cpath d='M0,150 L50,120 L100,130 L150,100 L200,110 L250,90 L300,100 L350,80 L400,90 L450,70 L500,80 L550,60 L600,70 L650,50 L700,60 L750,40 L800,50 L850,30 L900,40 L950,20 L1000,30 L1050,10 L1100,20 L1150,0 L1200,10 L1200,150 Z' fill='%23cce5ff'/%3E%3Crect x='100' y='80' width='30' height='50' fill='%23b3d9ff'/%3E%3Crect x='140' y='70' width='30' height='60' fill='%23b3d9ff'/%3E%3Crect x='300' y='60' width='40' height='50' fill='%23b3d9ff'/%3E%3Crect x='350' y='50' width='30' height='60' fill='%23b3d9ff'/%3E%3Crect x='500' y='50' width='35' height='50' fill='%23b3d9ff'/%3E%3Crect x='550' y='40' width='30' height='60' fill='%23b3d9ff'/%3E%3Ccircle cx='200' cy='100' r='15' fill='%23b3d9ff'/%3E%3Ccircle cx='700' cy='50' r='12' fill='%23b3d9ff'/%3E%3Crect x='800' y='30' width='20' height='30' fill='%23b3d9ff'/%3E%3Crect x='830' y='25' width='20' height='35' fill='%23b3d9ff'/%3E%3C/svg%3E");
    background-size: cover;
    background-position: bottom;
    background-repeat: no-repeat;
    z-index: 0;
}

/* Featured On */
.featured-on {
    padding: 40px 0;
    background-color: #f8f9fa;
    text-align: center;
}

.featured-label {
    color: #666;
    margin-bottom: 20px;
    font-size: 14px;
}

.featured-logos {
    display: flex;
    justify-content: center;
    gap: 40px;
    flex-wrap: wrap;
}

.logo-item {
    color: #999;
    font-weight: 600;
    font-size: 16px;
}

/* Smart Ways Section */
.smart-ways {
    padding: 60px 0;
    background-color: #fff;
}

.smart-ways-content {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 60px;
    align-items: start;
}

.smart-ways-text {
    max-width: 600px;
}

    .section-title {
    font-size: 36px;
    font-weight: bold;
    color: #0066cc;
    margin-bottom: 20px;
    word-wrap: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
}

.section-description {
    font-size: 16px;
    color: #666;
    margin-bottom: 30px;
    line-height: 1.8;
}

.btn-primary {
    background-color: #0066cc;
    color: #fff;
    border: none;
    padding: 14px 32px;
    font-size: 16px;
    font-weight: 600;
    border-radius: 6px;
    cursor: pointer;
    transition: background-color 0.3s;
}

.btn-primary:hover {
    background-color: #0052a3;
}

.testimonials {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.testimonial-card {
    background: #f8f9fa;
    border-radius: 8px;
    padding: 20px;
    display: flex;
    gap: 15px;
    align-items: center;
}

.testimonial-avatar {
    width: 50px;
    height: 50px;
    background: #e0e0e0;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    flex-shrink: 0;
}

.testimonial-name {
    font-weight: 600;
    color: #333;
    margin-bottom: 5px;
}

.testimonial-savings {
    font-size: 14px;
    color: #666;
    margin-bottom: 5px;
}

.testimonial-amount {
    font-size: 24px;
    font-weight: bold;
    color: #0066cc;
}

/* Section Divider */
.section-divider {
    width: 70%;
    height: 2px;
    margin: 15px auto 20px;
    background: linear-gradient(90deg, transparent 0%, #0066cc 20%, #0066cc 80%, transparent 100%);
    position: relative;
    overflow: visible;
    background-color: transparent;
}

.section-divider::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 8px;
    height: 8px;
    background: #0066cc;
    border-radius: 50%;
    box-shadow: 0 0 10px rgba(0, 102, 204, 0.5);
}

.section-divider::after {
    content: '';
    position: absolute;
    left: 50%;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 12px;
    height: 12px;
    border: 2px solid #0066cc;
    border-radius: 50%;
    opacity: 0.3;
}

/* Benefits Section */
.benefits {
    padding: 40px 0;
    background: linear-gradient(to bottom, #fff 0%, #f8f9fa 100%);
    margin-top: 0;
}

.benefits-header {
    text-align: center;
    margin-bottom: 50px;
}

.benefits-subtitle {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-top: 20px;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.benefit-item {
    text-align: center;
    background: #fff;
    border-radius: 12px;
    padding: 40px 30px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border: 1px solid #e8e8e8;
}

.benefit-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    border-color: #0066cc;
}

.benefit-icon {
    font-size: 48px;
    margin-bottom: 20px;
    display: block;
}

.benefit-title {
    font-size: 20px;
    font-weight: bold;
    color: #0066cc;
    margin-bottom: 15px;
}

.benefit-description {
    font-size: 14px;
    color: #666;
    line-height: 1.6;
}

/* Best Companies Section */
.best-companies {
    padding: 60px 0;
    background-color: #fff;
}

.best-companies-content {
    display: flex;
    gap: 40px;
    align-items: start;
}

.award-graphic {
    flex-shrink: 0;
}

.award-icon {
    font-size: 80px;
}

.best-companies-text {
    flex: 1;
}

.insurance-type-icons {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 30px;
}

.type-icon-item {
    text-align: center;
}

.type-icon {
    font-size: 32px;
    margin-bottom: 10px;
}

.type-label {
    font-size: 14px;
    color: #666;
}

/* Calculators Section */
.calculators {
    padding: 60px 0;
    background-color: #f8f9fa;
}

.calculators-content {
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 40px;
    margin-top: 30px;
}

.tools-list {
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.tool-link {
    color: #0066cc;
    text-decoration: none;
    font-size: 16px;
    transition: color 0.3s;
    display: flex;
    align-items: center;
    gap: 10px;
}

.tool-link:hover {
    color: #0052a3;
}

.tool-link.view-more {
    margin-top: 10px;
    font-weight: 600;
}

.featured-calculator {
    display: flex;
    justify-content: center;
}

.calculator-card {
    background: linear-gradient(135deg, #0066cc 0%, #004d99 100%);
    color: #fff;
    padding: 40px;
    border-radius: 12px;
    text-align: center;
    width: 100%;
    min-height: 300px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
}

.calculator-icon {
    font-size: 48px;
    margin-bottom: 20px;
}

.calculator-title {
    font-size: 24px;
    font-weight: bold;
    margin-bottom: 30px;
}

.calculator-card .btn-primary {
    background-color: #fff;
    color: #0066cc;
}

.calculator-card .btn-primary:hover {
    background-color: #f0f0f0;
}

/* Inflation Index Section */
.inflation-index {
    padding: 60px 0;
    background-color: #fff;
}

.inflation-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

.inflation-chart {
    background: #f8f9fa;
    padding: 30px;
    border-radius: 8px;
}

.chart-container {
    position: relative;
}

.chart-title {
    font-size: 14px;
    font-weight: 600;
    color: #333;
    margin-bottom: 30px;
    text-align: center;
}

.chart-lines {
    display: flex;
    gap: 20px;
    align-items: flex-end;
    height: 200px;
    margin-bottom: 20px;
    justify-content: space-around;
}

.chart-line {
    width: 60px;
    background: linear-gradient(to top, #0066cc, #4da6ff);
    border-radius: 4px 4px 0 0;
    position: relative;
}

.chart-line.motor {
    background: linear-gradient(to top, #0066cc, #4da6ff);
}

.chart-line.tenants {
    background: linear-gradient(to top, #00cc66, #4dff99);
}

.chart-line.health {
    background: linear-gradient(to top, #cc0066, #ff4da6);
}

.chart-labels {
    display: flex;
    gap: 20px;
    justify-content: space-around;
    font-size: 12px;
    color: #666;
    margin-bottom: 20px;
}

.chart-months {
    display: flex;
    justify-content: space-around;
    font-size: 12px;
    color: #666;
    font-weight: 600;
}

.link-arrow {
    color: #0066cc;
    text-decoration: none;
    font-weight: 600;
    font-size: 16px;
}

.link-arrow:hover {
    text-decoration: underline;
}

/* Research Section */
.research {
    padding: 60px 0;
    background-color: #f8f9fa;
}

.tabs {
    display: flex;
    gap: 20px;
    margin-bottom: 40px;
    border-bottom: 2px solid #e0e0e0;
    padding-bottom: 10px;
}

.tab {
    background: none;
    border: none;
    padding: 10px 20px;
    font-size: 16px;
    font-weight: 600;
    color: #666;
    cursor: pointer;
    border-bottom: 3px solid transparent;
    transition: all 0.3s;
}

.tab:hover {
    color: #0066cc;
}

.tab.active {
    color: #0066cc;
    border-bottom-color: #0066cc;
}

.articles-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-bottom: 40px;
}

.article-card {
    background: #fff;
    border-radius: 8px;
    overflow: hidden;
    transition: transform 0.3s, box-shadow 0.3s;
}

.article-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

.article-image {
    width: 100%;
    height: 200px;
    background: linear-gradient(135deg, #e6f2ff, #cce5ff);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 64px;
}

.article-date {
    font-size: 12px;
    color: #999;
    padding: 15px 15px 5px;
}

.article-title {
    font-size: 18px;
    font-weight: 600;
    color: #333;
    padding: 0 15px 10px;
    line-height: 1.4;
}

.article-author {
    font-size: 14px;
    color: #666;
    padding: 0 15px 15px;
}

/* Trust Section */
.trust {
    padding: 40px 0;
    background: linear-gradient(to bottom, #f8f9fa 0%, #fff 100%);
    margin-top: 0;
}

.trust-header {
    text-align: center;
    max-width: 800px;
    margin: 0 auto 60px;
}

.trust-subtitle {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-top: 20px;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin: 0 auto;
}

.trust-card {
    background: #fff;
    border-radius: 12px;
    padding: 40px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border: 1px solid #e8e8e8;
}

.trust-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    border-color: #0066cc;
}

.trust-icon {
    font-size: 48px;
    margin-bottom: 20px;
    display: block;
}

.trust-card-title {
    font-size: 22px;
    font-weight: bold;
    color: #0066cc;
    margin-bottom: 15px;
}

.trust-card-description {
    font-size: 16px;
    color: #666;
    line-height: 1.7;
}

/* Testimonials Section */
.testimonials-section {
    padding: 60px 0;
    background: linear-gradient(to bottom, #fff 0%, #f8f9fa 100%);
}

.testimonials-header {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 60px;
}

.testimonials-subtitle {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-top: 20px;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    margin: 0 auto;
}

.testimonial-item {
    background: #fff;
    border-radius: 8px;
    padding: 25px;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.1);
    transition: all 0.3s ease;
    border: none;
    display: flex;
    flex-direction: column;
}

.testimonial-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.testimonial-top {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 15px;
}

.testimonial-avatar {
    width: 55px;
    height: 55px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    overflow: hidden;
}

.testimonial-avatar-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 50%;
}

.testimonial-header-info {
    flex: 1;
}

.testimonial-name-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 0;
}

.testimonial-savings-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.testimonial-name {
    font-size: 17px;
    font-weight: 700;
    color: #333;
    line-height: 1.3;
}

.testimonial-savings {
    font-size: 15px;
    font-weight: 600;
    color: #0066cc;
    line-height: 1.3;
}

.testimonial-rating {
    font-size: 16px;
    line-height: 1;
    color: #22c55e;
    display: inline-block;
    letter-spacing: 2px;
    margin-top: -10px;
}

.testimonial-date {
    font-size: 13px;
    color: #999;
    line-height: 1;
    margin-top: -10px;
}

.testimonial-text {
    font-size: 14px;
    color: #666;
    line-height: 1.6;
    flex: 1;
    margin: 0;
    word-wrap: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
}

.testimonial-text strong {
    color: #333;
    font-weight: 600;
}

/* Why Compare Section */
.why-compare {
    padding: 60px 0;
    background: linear-gradient(to bottom, #fff 0%, #f8f9fa 100%);
}

.why-compare-header {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 60px;
}

.why-compare-subtitle {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-top: 20px;
}

.why-compare-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin: 0 auto;
}

.why-compare-card {
    background: #fff;
    border-radius: 12px;
    padding: 40px 30px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border: 1px solid #e8e8e8;
    text-align: center;
}

.why-compare-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    border-color: #0066cc;
}

.why-compare-icon {
    font-size: 48px;
    margin-bottom: 20px;
    display: block;
}

.why-compare-title {
    font-size: 20px;
    font-weight: bold;
    color: #0066cc;
    margin-bottom: 15px;
}

.why-compare-description {
    font-size: 14px;
    color: #666;
    line-height: 1.6;
}

/* FAQ Section */
.faq-section {
    padding: 60px 0;
    background: linear-gradient(to bottom, #fff 0%, #f8f9fa 100%);
}

.faq-header {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 60px;
}

.faq-subtitle {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-top: 20px;
}

.faq-list {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: #fff;
    border: 1px solid #e8e8e8;
    border-radius: 8px;
    margin-bottom: 15px;
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-item:hover {
    border-color: #0066cc;
    box-shadow: 0 2px 8px rgba(0, 102, 204, 0.1);
}

.faq-question {
    padding: 25px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    user-select: none;
}

.faq-question h3 {
    font-size: 18px;
    font-weight: 600;
    color: #333;
    margin: 0;
    flex: 1;
    padding-right: 20px;
    word-wrap: break-word;
    overflow-wrap: break-word;
}

.faq-toggle {
    font-size: 28px;
    font-weight: 300;
    color: #0066cc;
    line-height: 1;
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-toggle {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    padding: 0 30px;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 30px 25px;
}

.faq-answer p {
    font-size: 16px;
    color: #666;
    line-height: 1.7;
    margin: 0;
}

/* Experts Section */
.experts {
    padding: 60px 0;
    background-color: #f8f9fa;
}

.experts-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    margin-top: 40px;
}

.expert-card {
    background: #fff;
    padding: 30px;
    border-radius: 8px;
    text-align: center;
}

.expert-avatar {
    width: 100px;
    height: 100px;
    background: #e0e0e0;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 48px;
    margin: 0 auto 20px;
}

.expert-name {
    font-size: 20px;
    font-weight: bold;
    color: #333;
    margin-bottom: 15px;
}

.expert-bio {
    font-size: 14px;
    color: #666;
    line-height: 1.6;
}

/* Footer */
.footer {
    background-color: #20557f;
    color: #fff;
    padding: 60px 0 30px;
    margin-top: 0;
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 30px;
}

.footer-logo-section {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.footer-logo {
    display: flex;
    align-items: center;
}

.footer-logo-img {
    height: 40px;
    width: auto;
    object-fit: contain;
}

.footer-right-section {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 20px;
}

.footer-links {
    display: flex;
    gap: 30px;
    align-items: center;
}

.footer-link {
    color: #fff;
    text-decoration: none;
    font-size: 14px;
    transition: opacity 0.3s;
    white-space: nowrap;
    word-wrap: break-word;
    overflow-wrap: break-word;
}

.footer-link:hover {
    opacity: 0.8;
}

.footer-social {
    display: flex;
    gap: 15px;
    justify-content: flex-start;
}

.social-icon {
    width: 40px;
    height: 40px;
    background: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #20557f;
    text-decoration: none;
    font-weight: bold;
    transition: opacity 0.3s;
}

.social-icon:hover {
    opacity: 0.8;
}

.trustpilot-icon svg {
    display: block;
    width: 20px;
    height: 20px;
}

.trustpilot-icon svg path {
    fill: #20557f;
}

.footer-separator {
    height: 1px;
    background-color: rgba(255, 255, 255, 0.2);
    margin: 30px 0;
    width: 100%;
}

.footer-bottom {
    text-align: right;
}

.copyright {
    font-size: 14px;
    color: #fff;
    margin-bottom: 10px;
}

    .disclaimer {
    font-size: 12px;
    color: #fff;
    line-height: 1.6;
    max-width: 500px;
    opacity: 0.9;
    word-wrap: break-word;
    overflow-wrap: break-word;
}

/* Responsive Design */
@media (max-width: 1024px) {
    .smart-ways-content {
        grid-template-columns: 1fr;
    }
    
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .calculators-content {
        grid-template-columns: 1fr;
    }
    
    .inflation-content {
        grid-template-columns: 1fr;
    }
    
    .articles-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .why-compare-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    body {
        overflow-x: hidden;
        width: 100%;
        max-width: 100vw;
    }
    
    .header {
        overflow: visible;
    }
    
    .container {
        padding: 0 15px;
        max-width: 100%;
        overflow-x: hidden;
    }
    
    .hero {
        min-height: auto;
        padding: 40px 0 0;
    }
    
    .hero-title {
        font-size: 25px;
        padding: 0 10px;
        margin-bottom: 15px;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }
    
    .hero-subtitle {
        padding: 0 10px;
        margin-bottom: 20px;
        font-size: 16px;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }
    
    .hero-description {
        padding: 0 10px;
        margin-bottom: 20px;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }
    
    .cityscape-illustration {
        height: 100px;
        width: 100vw;
        max-width: 100vw;
        position: absolute;
        left: 50%;
        bottom: 0;
        margin-top: 15px;
        margin-bottom: 0;
    }
    
    .hero .container {
        padding-bottom: 100px;
    }
    
    .hero .container {
        min-height: auto;
    }
    
    .section-divider {
        margin: 10px auto 15px;
    }
    
    .header-content {
        flex-wrap: wrap;
        gap: 15px;
    }
    
    /* Mobile Navigation Styles - Dropdown Menu */
    .nav-wrapper {
        position: relative !important;
        overflow: visible !important;
        z-index: 10001 !important;
    }
    
    .header {
        overflow: visible !important;
    }
    
    .header-content {
        overflow: visible !important;
        position: relative !important;
    }
    
    .container {
        overflow: visible !important;
    }
    
    /* Show hamburger menu on mobile */
    .nav-toggle {
        display: flex;
    }
    
    /* Hide navigation menu by default on mobile */
    .header-content .nav,
    .nav {
        display: none !important;
        position: absolute !important;
        top: calc(100% + 10px) !important;
        right: 0 !important;
        left: auto !important;
        bottom: auto !important;
        width: 200px !important;
        min-width: 180px !important;
        max-width: calc(100vw - 40px) !important;
        background: #fff !important;
        flex-direction: column !important;
        gap: 0;
        padding: 8px 0 !important;
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15) !important;
        border: 2px solid #0066cc !important;
        border-radius: 8px !important;
        z-index: 10000 !important;
        margin: 0 !important;
        transform: none !important;
        opacity: 1 !important;
        visibility: visible !important;
    }
    
    /* Show navigation menu when nav-open class is added */
    .header-content .nav.nav-open,
    .nav.nav-open {
        display: flex !important;
        visibility: visible !important;
        opacity: 1 !important;
    }
    
    .nav-link {
        font-size: 14px;
        width: 100%;
        padding: 12px 20px;
        border-bottom: 1px solid #f0f0f0;
        text-align: left;
        color: #0066cc;
        text-decoration: none;
        display: block;
        transition: background-color 0.2s ease, color 0.2s ease;
    }
    
    .nav-link:last-child {
        border-bottom: none;
    }
    
    .nav-link:hover {
        background-color: #f8f9fa;
        color: #0066cc;
    }
    
    .insurance-cards {
        gap: 10px;
        margin-bottom: 20px;
    }
    
    .insurance-card {
        padding: 10px;
        width: 100px;
        height: 100px;
        min-width: 100px;
        display: flex;
        flex-direction: column;
        align-items: center;
        justify-content: center;
    }
    
    .insurance-card .card-icon {
        width: 80%;
        height: 80%;
        max-width: 80px;
        max-height: 80px;
        margin-bottom: 6px;
    }
    
    .insurance-card .card-label {
        font-size: 13px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .trust-grid {
        grid-template-columns: 1fr;
    }
    
    .trust-card {
        padding: 30px 25px;
    }
    
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    
    .testimonial-item {
        padding: 30px 25px;
    }
    
    .why-compare-grid {
        grid-template-columns: 1fr;
    }
    
    .why-compare-card {
        padding: 30px 25px;
    }
    
    .faq-question {
        padding: 20px;
    }
    
    .faq-question h3 {
        font-size: 16px;
        padding-right: 15px;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }
    
    .faq-answer {
        padding: 0 20px;
    }
    
    .faq-item.active .faq-answer {
        padding: 0 20px 20px;
    }
    
    .faq-answer p {
        font-size: 14px;
    }
    
    .insurance-type-icons {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .articles-grid {
        grid-template-columns: 1fr;
    }
    
    .experts-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-content {
        flex-direction: column;
        gap: 30px;
    }
    
    .footer-right-section {
        align-items: flex-start;
    }
    
    .footer-links {
        flex-direction: row;
        align-items: center;
        gap: 0;
        flex-wrap: wrap;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }
    
    .footer-link:not(:last-child)::after {
        content: ' | ';
        margin: 0 8px;
        color: #fff;
        opacity: 0.7;
    }
    
    .footer-bottom {
        text-align: left;
    }
    
    .footer-social {
        justify-content: flex-start;
    }
}

/* Coming Soon Popup - Glassmorphism/iOS Design */
.coming-soon-popup {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10000;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1), visibility 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.coming-soon-popup.show {
    opacity: 1;
    visibility: visible;
}

.coming-soon-content {
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(40px) saturate(180%);
    -webkit-backdrop-filter: blur(40px) saturate(180%);
    border-radius: 24px;
    padding: 48px 40px;
    max-width: 420px;
    width: 90%;
    text-align: center;
    position: relative;
    border: 1px solid rgba(255, 255, 255, 0.3);
    box-shadow: 
        0 8px 32px rgba(0, 0, 0, 0.12),
        0 2px 8px rgba(0, 0, 0, 0.08),
        inset 0 1px 0 rgba(255, 255, 255, 0.5);
    transform: scale(0.9) translateY(20px);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.coming-soon-popup.show .coming-soon-content {
    transform: scale(1) translateY(0);
}

.coming-soon-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    font-size: 24px;
    color: #666;
    cursor: pointer;
    line-height: 1;
    padding: 0;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}

.coming-soon-close:hover {
    background: rgba(255, 255, 255, 0.5);
    color: #333;
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.coming-soon-close:active {
    transform: scale(0.95);
}

.coming-soon-icon {
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
}

.coming-soon-insurance-icon {
    width: 52px;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 2px 4px rgba(0, 0, 0, 0.1));
    animation: float 3s ease-in-out infinite;
}

.coming-soon-logo {
    width: 110px;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.15));
    animation: float 3s ease-in-out infinite;
}

@keyframes float {
    0%, 100% {
        transform: translateY(0px) scale(1);
    }
    50% {
        transform: translateY(-6px) scale(1.03);
    }
}

.coming-soon-title {
    font-size: 32px;
    font-weight: 700;
    background: linear-gradient(135deg, #0066cc 0%, #0052a3 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
    text-shadow: 0 2px 4px rgba(0, 102, 204, 0.1);
}

.coming-soon-content .section-divider {
    margin: 15px auto 20px;
    width: 60%;
}

.coming-soon-message {
    font-size: 18px;
    color: #4a5568;
    line-height: 1.7;
    font-weight: 500;
    text-shadow: 0 1px 2px rgba(255, 255, 255, 0.8);
}

@media (max-width: 768px) {
    .coming-soon-content {
        padding: 36px 28px;
        max-width: 90%;
        border-radius: 20px;
        backdrop-filter: blur(30px) saturate(180%);
        -webkit-backdrop-filter: blur(30px) saturate(180%);
    }
    
    .coming-soon-close {
        width: 32px;
        height: 32px;
        font-size: 20px;
        top: 12px;
        right: 12px;
    }
    
    .coming-soon-icon {
        margin-bottom: 20px;
    }
    
    .coming-soon-insurance-icon {
        width: 38px;
    }
    
    .coming-soon-logo {
        width: 80px;
    }
    
    .coming-soon-icon {
        gap: 12px;
    }
    
    .coming-soon-title {
        font-size: 26px;
        margin-bottom: 14px;
    }
    
    .coming-soon-message {
        font-size: 16px;
        line-height: 1.6;
    }
}

/* Quiz Popup Styles */
.quiz-popup {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10001;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1), visibility 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.quiz-popup.show {
    opacity: 1;
    visibility: visible;
}

.quiz-content {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(40px) saturate(180%);
    -webkit-backdrop-filter: blur(40px) saturate(180%);
    border-radius: 24px;
    padding: 48px 40px;
    max-width: 500px;
    width: 90%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    border: 1px solid rgba(255, 255, 255, 0.3);
    box-shadow: 
        0 8px 32px rgba(0, 0, 0, 0.12),
        0 2px 8px rgba(0, 0, 0, 0.08),
        inset 0 1px 0 rgba(255, 255, 255, 0.5);
    transform: scale(0.9) translateY(20px);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.quiz-popup.show .quiz-content {
    transform: scale(1) translateY(0);
}

.quiz-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    font-size: 24px;
    color: #666;
    cursor: pointer;
    line-height: 1;
    padding: 0;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}

.quiz-close:hover {
    background: rgba(255, 255, 255, 0.5);
    color: #333;
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.quiz-header {
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
}

.quiz-insurance-icon {
    width: 52px;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 2px 4px rgba(0, 0, 0, 0.1));
}

.quiz-logo {
    width: 110px;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.15));
}

.quiz-title {
    font-size: 28px;
    font-weight: 700;
    background: linear-gradient(135deg, #0066cc 0%, #0052a3 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 16px;
    text-align: center;
    letter-spacing: -0.5px;
}

.quiz-description {
    font-size: 15px;
    color: #666;
    line-height: 1.7;
    text-align: center;
    margin-bottom: 25px;
    padding: 0 10px;
}

.quiz-progress {
    margin-bottom: 30px;
}

.quiz-progress-bar {
    width: 100%;
    height: 6px;
    background: #e0e0e0;
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 8px;
}

.quiz-progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #0066cc 0%, #0052a3 100%);
    border-radius: 3px;
    transition: width 0.3s ease;
    width: 0%;
}

.quiz-progress-text {
    font-size: 14px;
    color: #666;
    text-align: center;
    display: block;
}

.quiz-body {
    min-height: 200px;
}

.quiz-question {
    margin-bottom: 25px;
}

.quiz-question-title {
    font-size: 18px;
    font-weight: 600;
    color: #333;
    margin-bottom: 20px;
    line-height: 1.5;
}

.quiz-options {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.quiz-option {
    background: #fff;
    border: 2px solid #e0e0e0;
    border-radius: 12px;
    padding: 16px 20px;
    cursor: pointer;
    transition: all 0.3s ease;
    font-size: 16px;
    color: #333;
    text-align: left;
}

.quiz-option:hover {
    border-color: #0066cc;
    background: #f0f7ff;
    transform: translateX(4px);
}

.quiz-option.selected {
    border-color: #0066cc;
    background: #e6f2ff;
    font-weight: 600;
}

.quiz-actions {
    margin-top: 30px;
    display: flex;
    justify-content: center;
    gap: 15px;
}

.quiz-btn {
    padding: 14px 32px;
    font-size: 16px;
    font-weight: 600;
    border-radius: 8px;
    border: none;
    cursor: pointer;
    transition: all 0.3s ease;
}

.quiz-btn-primary {
    background: linear-gradient(135deg, #0066cc 0%, #0052a3 100%);
    color: #fff;
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
}

.quiz-btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(0, 102, 204, 0.4);
}

.quiz-btn-primary:active {
    transform: translateY(0);
}

.quiz-btn-primary:disabled {
    opacity: 0.5;
    cursor: not-allowed;
    transform: none;
}

.quiz-thank-you {
    text-align: center;
    padding: 20px 0;
}

.quiz-thank-you-icon {
    font-size: 80px;
    color: #22c55e;
    margin-bottom: 30px;
    line-height: 1;
}

.quiz-thank-you-message {
    font-size: 18px;
    color: #666;
    line-height: 1.8;
    margin-bottom: 40px;
}

.quiz-call-button {
    display: inline-block;
    background: linear-gradient(135deg, #0066cc 0%, #0052a3 100%);
    color: #fff;
    padding: 18px 48px;
    font-size: 20px;
    font-weight: 600;
    border-radius: 12px;
    text-decoration: none;
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
    transition: all 0.3s ease;
}

.quiz-call-button:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(0, 102, 204, 0.4);
}

.quiz-loading {
    text-align: center;
    padding: 40px 0;
    min-height: 250px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.quiz-loading-spinner {
    margin-bottom: 30px;
    position: relative;
}

.spinner-circle {
    width: 60px;
    height: 60px;
    border: 4px solid #e6f2ff;
    border-top-color: #0066cc;
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: 0 auto;
}

@keyframes spin {
    0% {
        transform: rotate(0deg);
    }
    100% {
        transform: rotate(360deg);
    }
}

.quiz-loading-message {
    font-size: 18px;
    color: #0066cc;
    font-weight: 600;
    margin: 0;
    animation: fadeInOut 1.5s ease-in-out;
}

@keyframes fadeInOut {
    0%, 100% {
        opacity: 0.6;
    }
    50% {
        opacity: 1;
    }
}

@media (max-width: 768px) {
    .quiz-content {
        padding: 36px 28px;
        max-width: 90%;
        border-radius: 20px;
    }
    
    .quiz-close {
        width: 32px;
        height: 32px;
        font-size: 20px;
        top: 12px;
        right: 12px;
    }
    
    .quiz-insurance-icon {
        width: 38px;
    }
    
    .quiz-logo {
        width: 80px;
    }
    
    .quiz-title {
        font-size: 24px;
    }
    
    .quiz-description {
        font-size: 14px;
        margin-bottom: 20px;
        padding: 0 5px;
    }
    
    .quiz-question-title {
        font-size: 16px;
    }
    
    .quiz-option {
        padding: 14px 16px;
        font-size: 15px;
    }
    
    .quiz-btn {
        padding: 12px 24px;
        font-size: 15px;
    }
    
    .quiz-thank-you-icon {
        font-size: 60px;
        margin-bottom: 20px;
    }
    
    .quiz-thank-you-message {
        font-size: 16px;
        margin-bottom: 30px;
    }
    
    .quiz-call-button {
        padding: 16px 36px;
        font-size: 18px;
    }
    
    .quiz-loading {
        padding: 30px 0;
        min-height: 200px;
    }
    
    .spinner-circle {
        width: 50px;
        height: 50px;
        border-width: 3px;
    }
    
    .quiz-loading-message {
        font-size: 16px;
    }
}