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

:root {
  --navy:    #0a1628;
  --navy-2:  #112040;
  --sky:     #0ea5e9;
  --sky-d:   #0284c7;
  --sky-l:   #e0f2fe;
  --emerald: #10b981;
  --em-l:    #d1fae5;
  --amber:   #f59e0b;
  --white:   #ffffff;
  --g50:     #f8fafc;
  --g100:    #f1f5f9;
  --g200:    #e2e8f0;
  --g400:    #94a3b8;
  --g600:    #475569;
  --g800:    #1e293b;
  --r: 12px;
  --r-lg: 20px;
  --sh: 0 2px 16px rgba(0,0,0,.08);
  --sh-lg: 0 8px 40px rgba(0,0,0,.14);
  --sh-xl: 0 20px 60px rgba(0,0,0,.18);
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; background: var(--white); color: var(--navy); line-height: 1.6; -webkit-font-smoothing: antialiased; }
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
a { text-decoration: none; }

/* ── NAV ─────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  background: rgba(10,22,40,.96); backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,.07);
  transition: box-shadow .3s;
}
.nav-inner {
  max-width: 1160px; margin: 0 auto; padding: 0 24px;
  height: 66px; display: flex; align-items: center; gap: 32px;
}
.logo { display: flex; align-items: center; gap: 10px; color: white; font-size: 1.1rem; font-weight: 800; letter-spacing: -.3px; }
.nav-links { display: flex; gap: 28px; margin-left: auto; }
.nav-links a { color: rgba(255,255,255,.6); font-size: .875rem; font-weight: 500; transition: color .2s; }
.nav-links a:hover { color: white; }
.lang-switcher { display: flex; gap: 2px; background: rgba(255,255,255,.07); padding: 3px; border-radius: 8px; }
.lang-switcher a { padding: 4px 11px; border-radius: 6px; font-size: .75rem; font-weight: 700; color: rgba(255,255,255,.5); transition: all .2s; }
.lang-switcher a:hover { color: white; }
.lang-switcher a.active { background: var(--sky); color: white; }

/* ── HERO ────────────────────────────────────────── */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  padding: 90px 0 48px; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    linear-gradient(rgba(4,18,38,.52), rgba(4,18,38,.42)),
    linear-gradient(160deg, #0b3d6b 0%, #0e5c9a 30%, #1980c8 55%, #2ba0e0 75%, #50bef5 90%, #8dd4fb 100%);
}
.hero-overlay { position: absolute; inset: 0; background: radial-gradient(ellipse at 50% 0%, rgba(14,165,233,.18) 0%, transparent 70%); pointer-events: none; }
.hero-center { display: flex; flex-direction: column; align-items: center; gap: 20px; position: relative; z-index: 1; }

/* ── CALC CARD (hero) ──────────────────────────── */
.calc-card { background: white; border-radius: 20px; box-shadow: 0 24px 64px rgba(0,0,0,.28), 0 0 0 1px rgba(0,0,0,.06); overflow: hidden; width: 100%; max-width: 860px; }
.calc-brand { display: flex; align-items: center; gap: 16px; padding: 28px 36px 0; }
.calc-brand-icon { width: 52px; height: 52px; background: linear-gradient(135deg, #e0f2fe, #bae6fd); border-radius: 14px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.calc-brand-name { font-size: 1.65rem; font-weight: 900; color: var(--navy); letter-spacing: -1px; line-height: 1.1; }
.calc-brand-name span { color: var(--sky); }
.calc-brand-tag { font-size: .78rem; color: var(--g600); font-weight: 500; margin-top: 2px; }
.calc-intro { padding: 16px 36px 0; font-size: .88rem; color: var(--g600); line-height: 1.65; }
.calc-intro-bold { padding: 10px 36px 0; font-size: .92rem; color: var(--navy); font-weight: 700; line-height: 1.55; }
.calc-body { padding: 20px 36px 0; }
.calc-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 14px; }
.cf label { display: block; font-size: .68rem; font-weight: 700; color: var(--g600); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 6px; }
.cf select, .cf input {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--g200); border-radius: 10px;
  font-size: .875rem; font-family: 'Inter', sans-serif; color: var(--navy); background: var(--g50);
  transition: border-color .2s, box-shadow .2s; -webkit-appearance: none; appearance: none;
}
.cf select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; }
.cf select:focus, .cf input:focus { outline: none; border-color: var(--sky); box-shadow: 0 0 0 3px rgba(14,165,233,.12); background: white; }
.calc-btn {
  width: 100%; padding: 16px; background: linear-gradient(135deg, #16a34a, #15803d);
  color: white; border: none; border-radius: 12px; font-size: 1.05rem; font-weight: 800; cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  transition: opacity .2s, transform .15s, box-shadow .2s; box-shadow: 0 6px 20px rgba(22,163,74,.35);
  letter-spacing: -.1px;
}
.calc-btn:hover { opacity: .93; transform: translateY(-1px); box-shadow: 0 8px 24px rgba(22,163,74,.4); }
.calc-btn svg { transition: transform .2s; }
.calc-btn:hover svg { transform: translateX(3px); }
.calc-note {
  display: flex; align-items: flex-start; gap: 8px;
  margin: 16px 36px 24px; padding: 12px 16px;
  background: #eff6ff; border-radius: 10px; border: 1px solid #dbeafe;
  font-size: .78rem; color: #1e40af; line-height: 1.55;
}
.calc-note svg { flex-shrink: 0; margin-top: 1px; color: #3b82f6; }

/* ── HERO STATS BAR ───────────────────────────── */
.hero-stats-bar {
  display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap;
  background: rgba(255,255,255,.12); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.2); border-radius: 100px;
  padding: 12px 32px;
}
.hero-stat { color: white; font-size: .82rem; font-weight: 500; }
.hero-stat strong { font-weight: 800; }
.hero-stat-div { width: 1px; height: 16px; background: rgba(255,255,255,.25); }


/* ── RESULTS ─────────────────────────────────────── */
.results { display: none; border-top: 1px solid var(--g100); padding: 20px 28px 24px; }
.results.show { display: block; animation: fadeUp .3s ease; }
@keyframes fadeUp { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }
.results-meta { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.results-title { font-size: .72rem; font-weight: 700; color: var(--g600); text-transform: uppercase; letter-spacing: .5px; }
.results-duration { font-size: .72rem; font-weight: 600; color: var(--sky); background: var(--sky-l); padding: 3px 10px; border-radius: 100px; }
.p-cards { display: flex; flex-direction: column; gap: 12px; }
.p-card {
  position: relative; border: 1.5px solid var(--g200); border-radius: 16px; background: white;
  overflow: hidden; transition: border-color .2s, box-shadow .2s, transform .15s;
}
.p-card:hover { border-color: var(--sky); box-shadow: 0 6px 24px rgba(14,165,233,.12); transform: translateY(-2px); }
.p-card.best { border-color: var(--emerald); box-shadow: 0 4px 20px rgba(16,185,129,.15); }
.p-best-ribbon {
  position: absolute; top: 0; right: 0;
  background: linear-gradient(135deg, var(--emerald), #059669);
  color: white; font-size: .62rem; font-weight: 800; text-transform: uppercase; letter-spacing: .8px;
  padding: 5px 14px; border-bottom-left-radius: 10px;
}
.p-card-header { display: flex; align-items: center; gap: 14px; padding: 16px 18px; }
.p-logo-block { width: 52px; height: 44px; border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.p-info { flex: 1; min-width: 0; }
.p-name { font-size: .95rem; font-weight: 900; letter-spacing: -.2px; }
.p-highlight { font-size: .72rem; color: var(--g600); margin-top: 1px; margin-bottom: 3px; }
.p-rating { display: flex; align-items: center; gap: 4px; }
.p-stars { color: var(--amber); font-size: .75rem; letter-spacing: -1px; }
.p-rating-num { font-size: .72rem; font-weight: 700; color: var(--navy); }
.p-rating-count { font-size: .68rem; color: var(--g400); }
.p-price-block { text-align: right; flex-shrink: 0; }
.p-price { font-size: 1.2rem; font-weight: 900; color: var(--navy); letter-spacing: -.5px; line-height: 1.1; }
.p-price-sub { font-size: .68rem; color: var(--g400); margin-top: 1px; }
.p-savings { font-size: .65rem; font-weight: 700; color: var(--emerald); background: var(--em-l); padding: 2px 7px; border-radius: 4px; margin-top: 4px; display: inline-block; }
.p-features { display: flex; flex-wrap: wrap; gap: 5px; padding: 0 18px 14px; }
.p-feat-badge {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: .68rem; font-weight: 600; color: #047857;
  background: var(--em-l); padding: 3px 9px; border-radius: 6px;
}
.p-feat-badge.extra { color: var(--sky-d); background: var(--sky-l); }
.p-feat-badge.na { color: var(--g400); background: var(--g100); }
.p-card-footer { display: flex; align-items: center; justify-content: space-between; padding: 10px 18px 14px; border-top: 1px solid var(--g100); }
.p-type-label { font-size: .68rem; color: var(--g400); font-weight: 500; }
.p-buy { padding: 9px 20px; background: var(--sky); color: white; border: none; border-radius: 9px; font-size: .78rem; font-weight: 800; cursor: pointer; transition: opacity .2s, transform .15s; letter-spacing: .2px; }
.p-buy:hover { opacity: .9; transform: translateY(-1px); }
.p-card.best .p-buy { background: var(--emerald); }
.results-disclaimer { font-size: .62rem; color: var(--g400); margin-top: 12px; line-height: 1.5; }

/* ── TRUST BAR ───────────────────────────────────── */
.trust-bar { background: var(--navy-2); padding: 14px 0; }
.trust-bar-inner { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.tb-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,.5); font-size: .8rem; font-weight: 500; }
.tb-item strong { color: rgba(255,255,255,.85); }

/* ── SECTIONS ────────────────────────────────────── */
.section { padding: 72px 0; }
.section-alt { background: var(--g50); }
.sec-header { text-align: center; margin-bottom: 56px; }
.sec-tag { display: inline-block; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--sky); margin-bottom: 12px; }
.sec-header h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 900; color: var(--navy); letter-spacing: -1px; margin-bottom: 12px; }
.sec-header p { color: var(--g600); font-size: 1rem; max-width: 500px; margin: 0 auto; }

/* ── STEPS ───────────────────────────────────────── */
.steps { display: flex; align-items: flex-start; justify-content: center; gap: 0; position: relative; }
.steps::before {
  content: ''; position: absolute; top: 28px; left: 50%; transform: translateX(-50%);
  width: 56%; height: 2px;
  background: linear-gradient(90deg, var(--sky) 0%, var(--emerald) 100%);
  opacity: .25; border-radius: 2px;
}
.step { flex: 1; max-width: 300px; text-align: center; padding: 0 32px; position: relative; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, var(--sky), var(--sky-d));
  color: white; font-size: 1.3rem; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px; box-shadow: 0 8px 24px rgba(14,165,233,.35);
  position: relative; z-index: 1; border: 3px solid white;
}
.step h4 { font-size: 1.05rem; font-weight: 800; margin-bottom: 8px; color: var(--navy); }
.step p { font-size: .875rem; color: var(--g600); line-height: 1.65; }

/* ── PROVIDERS ───────────────────────────────────── */
.providers-row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.prov-card {
  padding: 28px 20px 24px; background: white; border-radius: 16px;
  border: 1.5px solid var(--g200); box-shadow: var(--sh);
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  transition: all .2s; text-align: center;
}
.prov-card:hover { border-color: var(--sky); box-shadow: 0 8px 24px rgba(14,165,233,.15); transform: translateY(-4px); }
.prov-logo { width: 44px; height: 44px; border-radius: 12px; margin-bottom: 6px; display: flex; align-items: center; justify-content: center; }
.prov-name { font-size: 1.3rem; font-weight: 900; letter-spacing: -.5px; }
.prov-tag { font-size: .6rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--sky); background: var(--sky-l); padding: 3px 10px; border-radius: 6px; }
.prov-from { font-size: .72rem; color: var(--g400); margin-top: 4px; }
.prov-from strong { color: var(--emerald); font-weight: 700; }
.c-allianz { color: #003781; } .c-bupa { color: #00338d; } .c-medibank { color: #e4002b; } .c-nib { color: #00263e; } .c-ahm { color: #00a86b; }
@media (max-width: 860px) { .providers-row { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 520px) { .providers-row { grid-template-columns: repeat(2, 1fr); } }

/* ── FEATURES ────────────────────────────────────── */
.features { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.feat-card { padding: 32px 28px; background: white; border-radius: 16px; border: 1.5px solid var(--g200); box-shadow: var(--sh); transition: border-color .2s, transform .2s; }
.feat-card:hover { border-color: var(--sky); transform: translateY(-3px); }
.feat-icon { width: 52px; height: 52px; border-radius: 14px; background: linear-gradient(135deg, var(--sky-l), #bae6fd); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin-bottom: 18px; }
.feat-card h4 { font-size: 1rem; font-weight: 800; margin-bottom: 8px; color: var(--navy); }
.feat-card p { font-size: .85rem; color: var(--g600); line-height: 1.65; }

/* ── COVERAGE TABLE ──────────────────────────────── */
.cov-table-wrap { overflow-x: auto; border-radius: 16px; box-shadow: var(--sh); }
.cov-table { width: 100%; border-collapse: collapse; background: white; }
.cov-table th { padding: 16px 20px; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--g600); background: var(--g50); border-bottom: 1.5px solid var(--g200); text-align: center; }
.cov-table th:first-child { text-align: left; min-width: 200px; }
.cov-table td { padding: 14px 20px; font-size: .85rem; color: var(--navy); border-bottom: 1px solid var(--g100); text-align: center; }
.cov-table td:first-child { text-align: left; }
.cov-table tr:last-child td { border-bottom: none; }
.cov-table tr:hover td { background: var(--g50); }
.check { color: var(--emerald); font-size: 1.1rem; }
.partial { color: var(--amber); font-size: .75rem; font-weight: 700; background: #fef3c7; padding: 2px 8px; border-radius: 4px; }
.feature-name { font-weight: 700; color: var(--navy); display: block; }
.feature-desc { font-size: .72rem; color: var(--g400); display: block; margin-top: 1px; }

/* ── FAQ ─────────────────────────────────────────── */
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; }
.faq-item { background: white; border-radius: 12px; border: 1.5px solid var(--g200); overflow: hidden; transition: border-color .2s; }
.faq-item:hover { border-color: #cbd5e1; }
.faq-q { width: 100%; padding: 18px 22px; background: none; border: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; font-size: .95rem; font-weight: 700; color: var(--navy); text-align: left; }
.faq-icon { width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0; background: var(--g100); display: flex; align-items: center; justify-content: center; font-size: 1rem; color: var(--sky); transition: transform .25s, background .2s; }
.faq-q.open .faq-icon { transform: rotate(45deg); background: var(--sky-l); }
.faq-a { display: none; padding: 0 22px 18px; font-size: .875rem; color: var(--g600); line-height: 1.75; }
.faq-a.open { display: block; animation: fadeUp .2s ease; }

/* ── CTA ─────────────────────────────────────────── */
.cta-band { background: linear-gradient(135deg, #071220 0%, #0a2040 50%, #0c2a50 100%); padding: 80px 0; text-align: center; }
.cta-band h2 { color: white; font-size: clamp(1.8rem, 3vw, 2.4rem); font-weight: 900; letter-spacing: -1px; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,.55); margin-bottom: 32px; font-size: 1.05rem; }
.cta-primary { display: inline-flex; align-items: center; gap: 8px; padding: 16px 36px; background: var(--sky); color: white; border-radius: 12px; font-size: 1rem; font-weight: 800; transition: opacity .2s, transform .15s; box-shadow: 0 8px 24px rgba(14,165,233,.35); }
.cta-primary:hover { opacity: .92; transform: translateY(-2px); }

/* ── FOOTER ──────────────────────────────────────── */
.footer { background: var(--navy); padding: 64px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.06); margin-bottom: 28px; }
.footer-brand .logo { margin-bottom: 14px; }
.footer-brand p { color: rgba(255,255,255,.35); font-size: .85rem; line-height: 1.6; max-width: 220px; }
.footer-col h5 { color: rgba(255,255,255,.5); font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,.4); font-size: .85rem; margin-bottom: 9px; transition: color .2s; }
.footer-col a:hover { color: rgba(255,255,255,.85); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { color: rgba(255,255,255,.25); font-size: .75rem; }
.f-badge { font-size: .65rem; font-weight: 600; color: rgba(255,255,255,.3); background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08); padding: 4px 10px; border-radius: 6px; display: inline-block; margin-left: 6px; }

@media (max-width: 960px) {
  .hero-content { grid-template-columns: 1fr; gap: 48px; }
  .hero-text { text-align: center; }
  .hero-sub { margin: 0 auto 28px; }
  .trust-pills, .hero-stats { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 600px) {
  .calc-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 20px; }
  .steps { flex-direction: column; align-items: center; }
}

/* ── Status bar (product preview) ─────────────────────────────────────────── */
.status-bar{background:#0a1628;color:#cbd5e1;font-size:13px;line-height:1.5;padding:9px 20px}
.status-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:10px;justify-content:center;text-align:center}
.status-bar strong{color:#fff}
.status-dot{width:8px;height:8px;border-radius:50%;background:#f59e0b;flex:none;box-shadow:0 0 0 3px rgba(245,158,11,.2)}
@media(max-width:640px){.status-inner{text-align:left}}

/* ── Agency channel CTA ───────────────────────────────────────────────────── */
.agencies-cta{margin-top:36px;text-align:center}
.agencies-cta p{color:#64748b;font-size:15px;margin:0 0 16px}