/* CalcInsure — Dark Professional Theme */
:root {
  --bg: #0f172a;
  --surface: #1e293b;
  --surface2: #273347;
  --border: #334155;
  --text: #f1f5f9;
  --muted: #94a3b8;
  --primary: #3b82f6;
  --primary-dark: #2563eb;
  --accent: #10b981;
  --accent-dark: #059669;
  --warn: #f59e0b;
  --danger: #ef4444;
  --radius: 10px;
  --shadow: 0 4px 24px rgba(0,0,0,.4);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--text);font-family:'Segoe UI',system-ui,sans-serif;font-size:16px;line-height:1.6;min-height:100vh}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}

/* Layout */
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.grid-2{display:grid;grid-template-columns:1fr 340px;gap:32px;align-items:start}
@media(max-width:900px){.grid-2{grid-template-columns:1fr}}

/* Header */
.site-header{background:var(--surface);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-size:1.35rem;font-weight:700;color:var(--text)}
.logo span{color:var(--primary)}
.main-nav{display:flex;gap:24px;align-items:center}
.main-nav a{color:var(--muted);font-size:.9rem;font-weight:500;transition:color .2s}
.main-nav a:hover,.main-nav a.active{color:var(--text);text-decoration:none}
.nav-cta{background:var(--primary);color:#fff!important;padding:8px 18px;border-radius:6px;font-weight:600}
.nav-cta:hover{background:var(--primary-dark)!important;text-decoration:none!important}

/* Lang bar */
.lang-bar{background:var(--surface2);border-bottom:1px solid var(--border);padding:6px 0;text-align:center}
.lang-btn{display:inline-block;padding:4px 12px;border-radius:20px;font-size:.8rem;color:var(--muted);margin:0 4px;transition:all .2s}
.lang-btn:hover,.lang-btn.active{background:var(--primary);color:#fff;text-decoration:none}

/* Hero */
.hero{padding:60px 0 48px;text-align:center}
.hero h1{font-size:2.6rem;font-weight:800;line-height:1.2;margin-bottom:16px}
.hero h1 span{color:var(--primary)}
.hero .sub{font-size:1.15rem;color:var(--muted);max-width:580px;margin:0 auto 32px}

/* Calculator Card */
.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.calc-card h2{font-size:1.3rem;margin-bottom:20px;display:flex;align-items:center;gap:8px}
.calc-card h2::before{content:'';display:inline-block;width:4px;height:22px;background:var(--primary);border-radius:2px}

.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:.85rem;color:var(--muted);font-weight:600;margin-bottom:6px;text-transform:uppercase;letter-spacing:.04em}
.form-group input,.form-group select{width:100%;background:var(--bg);border:1px solid var(--border);border-radius:6px;color:var(--text);font-size:1rem;padding:10px 14px;transition:border .2s}
.form-group input:focus,.form-group select:focus{border-color:var(--primary);outline:none}
.form-group select option{background:var(--surface)}

.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}

.btn-primary{width:100%;background:var(--primary);color:#fff;border:none;border-radius:8px;font-size:1.05rem;font-weight:700;padding:14px;cursor:pointer;transition:background .2s;margin-top:8px}
.btn-primary:hover{background:var(--primary-dark)}

/* Results */
#results-section{display:none;margin-top:24px;border-top:1px solid var(--border);padding-top:20px}
.result-main{text-align:center;margin-bottom:16px}
.result-main .amount{font-size:2.4rem;font-weight:800;color:var(--accent)}
.result-main .label{font-size:.9rem;color:var(--muted)}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.result-item{background:var(--bg);border-radius:8px;padding:14px;text-align:center}
.result-item .val{font-size:1.2rem;font-weight:700;color:var(--text)}
.result-item .lbl{font-size:.75rem;color:var(--muted);margin-top:2px}
.result-note{font-size:.8rem;color:var(--muted);text-align:center;margin-top:12px;font-style:italic}

/* Chips */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.chip{background:var(--bg);border:1px solid var(--border);border-radius:20px;padding:5px 14px;font-size:.82rem;cursor:pointer;color:var(--muted);transition:all .2s}
.chip.on,.chip:hover{background:var(--primary);border-color:var(--primary);color:#fff}

/* Tools strip */
.tools-strip{background:var(--surface2);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:16px 0}
.tools-strip-inner{display:flex;gap:16px;flex-wrap:wrap;align-items:center;justify-content:center}
.tool-pill{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:8px 18px;font-size:.85rem;color:var(--text);display:flex;align-items:center;gap:6px;transition:border-color .2s}
.tool-pill:hover{border-color:var(--primary);text-decoration:none;color:var(--text)}
.tool-pill-label{font-size:.7rem;color:var(--muted);display:block;text-align:left}

/* Sidebar */
.sidebar{}
.sidebar-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:20px;margin-bottom:20px}
.sidebar-card h3{font-size:1rem;font-weight:700;margin-bottom:14px;color:var(--text)}
.rate-list{list-style:none}
.rate-list li{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid var(--border);font-size:.88rem}
.rate-list li:last-child{border:none}
.rate-list .state{color:var(--muted)}
.rate-list .price{font-weight:700;color:var(--accent)}
.guide-list{list-style:none}
.guide-list li{padding:6px 0;border-bottom:1px solid var(--border)}
.guide-list li:last-child{border:none}
.guide-list a{color:var(--muted);font-size:.88rem}
.guide-list a:hover{color:var(--text)}

/* Ad slot */
.ad-slot{background:var(--surface2);border:1px dashed var(--border);border-radius:8px;min-height:120px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.75rem;margin:16px 0}

/* Articles / Blog */
.section-title{font-size:1.5rem;font-weight:700;margin-bottom:20px;display:flex;justify-content:space-between;align-items:center}
.section-title a{font-size:.9rem;color:var(--primary);font-weight:500}
.articles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:860px){.articles-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.articles-grid{grid-template-columns:1fr}}
.article-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:transform .2s,border-color .2s}
.article-card:hover{transform:translateY(-3px);border-color:var(--primary)}
.article-card-img{width:100%;height:140px;object-fit:cover;background:var(--surface2)}
.article-card-body{padding:16px}
.article-cat{font-size:.7rem;font-weight:700;color:var(--primary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
.article-card-body h3{font-size:.98rem;font-weight:700;line-height:1.35;margin-bottom:8px}
.article-card-body h3 a{color:var(--text)}
.article-card-body h3 a:hover{color:var(--primary);text-decoration:none}
.article-meta{font-size:.75rem;color:var(--muted)}

/* FAQ */
.faq-section{padding:40px 0}
.faq-list{max-width:720px}
.faq-item{border-bottom:1px solid var(--border);padding:4px 0}
.faq-q{background:none;border:none;width:100%;text-align:left;color:var(--text);font-size:1rem;font-weight:600;padding:16px 0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q::after{content:'+';font-size:1.4rem;color:var(--primary);flex-shrink:0;transition:transform .2s}
.faq-q[aria-expanded=true]::after{transform:rotate(45deg)}
.faq-a{padding:0 0 16px;color:var(--muted);font-size:.95rem;line-height:1.7}

/* CTA Box (STERLING tool inject) */
.tool-cta-box{background:linear-gradient(135deg,#064e3b,#065f46);border:1px solid #10b981;border-radius:10px;padding:22px 24px;margin:28px 0}
.tool-cta-box h4{color:#34d399;font-size:1rem;margin-bottom:6px}
.tool-cta-box p{color:#a7f3d0;font-size:.9rem;margin-bottom:14px}
.tool-cta-box a{background:#10b981;color:#fff;padding:9px 20px;border-radius:6px;font-weight:700;font-size:.9rem;display:inline-block}
.tool-cta-box a:hover{background:#059669;text-decoration:none}

/* Footer */
.site-footer{background:var(--surface);border-top:1px solid var(--border);padding:40px 0 24px;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
@media(max-width:720px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:460px){.footer-grid{grid-template-columns:1fr}}
.footer-brand p{color:var(--muted);font-size:.88rem;margin-top:8px;max-width:240px}
.footer-col h4{font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:12px}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:8px}
.footer-col ul li a{color:var(--muted);font-size:.88rem}
.footer-col ul li a:hover{color:var(--text)}
.footer-bottom{border-top:1px solid var(--border);padding-top:20px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:.8rem;color:var(--muted)}
.footer-links{display:flex;gap:20px}
.footer-links a{font-size:.8rem;color:var(--muted)}

/* Utility */
.mt-40{margin-top:40px}
.mb-8{margin-bottom:8px}
.text-accent{color:var(--accent)}
.badge{display:inline-block;background:var(--primary);color:#fff;font-size:.7rem;font-weight:700;padding:2px 8px;border-radius:12px;text-transform:uppercase;letter-spacing:.04em}
.badge-green{background:var(--accent)}
.divider{border:none;border-top:1px solid var(--border);margin:32px 0}