/* ============================================================
   HomeInsurance.lu — Design System v2
   Palette : Deep Navy × Electric Blue × Cyan
   Fonts   : Onest (display) · DM Sans (body) · DM Mono (data)
   Direction: Clean fintech — minimal, sharp, authoritative
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Onest:wght@400;500;600;700;800;900&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=DM+Mono:wght@400;500&display=swap');

:root {
  --navy:          #060D20;
  --navy-mid:      #0C1832;
  --navy-light:    #162040;
  --blue:          #1852F0;
  --blue-dark:     #1240C8;
  --blue-light:    #4B76F3;
  --blue-xlight:   #8AAAF7;
  --cyan:          #0EA5E9;
  --cyan-dark:     #0284C7;
  --pale:          #EDF2FF;
  --pale-mid:      #E0EAFF;
  --faint:         #F7F9FF;
  --white:         #FFFFFF;
  --off-white:     #F1F5F9;
  --text:          #050D1E;
  --text-mid:      #1E293B;
  --text-light:    #475569;
  --text-xlight:   #94A3B8;
  --border:        #E2E8F0;
  --border-blue:   #BFCFFE;
  --border-dark:   #1E3A6E;
  --success:       #059669;
  --success-bg:    #ECFDF5;
  --warn:          #D97706;
  --warn-bg:       #FFFBEB;
  --error:         #DC2626;
  --axa:           #E2001A;
  --baloise:       #0033A0;
  --lalux:         #F97316;
  --foyer:         #059669;
  --max:           1100px;
  --r:             8px;
  --r-sm:          6px;
  --r-pill:        999px;
  --shadow-sm:     0 1px 3px rgba(6,13,32,.07), 0 1px 2px rgba(6,13,32,.04);
  --shadow:        0 4px 16px rgba(6,13,32,.08), 0 1px 4px rgba(6,13,32,.05);
  --shadow-lg:     0 12px 32px rgba(6,13,32,.12), 0 4px 8px rgba(6,13,32,.06);
  --shadow-blue:   0 4px 24px rgba(24,82,240,.18);
  --font-display:  'Onest', sans-serif;
  --font-body:     'DM Sans', sans-serif;
  --font-mono:     'DM Mono', monospace;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-body);font-size:1rem;line-height:1.65;color:var(--text);background:var(--white)}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-dark)}
ul,ol{padding-left:1.25rem}
h1,h2,h3,h4,h5{font-family:var(--font-display);line-height:1.15;letter-spacing:-.025em;color:var(--text);font-weight:700}
h1{font-size:clamp(1.85rem,4.5vw,3rem);font-weight:800}
h2{font-size:clamp(1.3rem,2.8vw,1.75rem)}
h3{font-size:1.1rem}
p{color:var(--text-light);line-height:1.7}
strong{color:var(--text-mid);font-weight:600}
.container{max-width:var(--max);margin:0 auto;width:100%}

/* NAV */
.site-nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.nav-inner{max-width:var(--max);margin:0 auto;padding:0 1.5rem;height:60px;display:flex;align-items:center;gap:2rem}
.nav-brand{display:flex;align-items:center;gap:.55rem;text-decoration:none;flex-shrink:0}
.nav-brand-icon{width:30px;height:30px;background:var(--blue);border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.9rem;color:white;flex-shrink:0}
.nav-brand-text{font-family:var(--font-display);font-size:.95rem;font-weight:700;color:var(--text);letter-spacing:-.02em}
.nav-brand-text span{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:.15rem;list-style:none;padding:0;margin:0;flex:1}
.nav-links a{display:block;padding:.35rem .65rem;font-size:.85rem;font-weight:500;color:var(--text-light);text-decoration:none;border-radius:var(--r-sm);transition:color .15s,background .15s;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--text);background:var(--faint)}
.nav-links .nav-highlight{color:var(--blue)}
.nav-links .nav-highlight:hover{background:var(--pale);color:var(--blue-dark)}
.nav-cta{background:var(--blue)!important;color:white!important;border-radius:var(--r-sm)!important;padding:.4rem .85rem!important;font-weight:600!important;font-size:.84rem!important;transition:background .15s!important;white-space:nowrap}
.nav-cta:hover{background:var(--blue-dark)!important}
.nav-cta.active{background:var(--blue-dark)!important}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;margin-left:auto}
.nav-hamburger span{display:block;width:22px;height:2px;background:var(--text);border-radius:2px}
.nav-mobile{display:none;flex-direction:column;padding:.75rem 1.5rem 1rem;border-top:1px solid var(--border);gap:.1rem}
.nav-mobile a{display:block;padding:.6rem .75rem;font-size:.9rem;font-weight:500;color:var(--text-light);border-radius:var(--r-sm)}
.nav-mobile a:hover{background:var(--faint);color:var(--text)}
.nav-mobile .nav-cta{margin-top:.5rem;background:var(--blue)!important;color:white!important;font-weight:600!important;border-radius:var(--r-sm)!important}
.nav-mobile.open{display:flex}

/* HERO */
.page-hero{background:var(--navy);position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle at 70% 50%,rgba(24,82,240,.15) 0%,transparent 60%),radial-gradient(circle at 20% 80%,rgba(14,165,233,.08) 0%,transparent 50%)}
.page-hero::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:48px 48px;mask-image:radial-gradient(ellipse at 50% 50%,black 40%,transparent 80%);-webkit-mask-image:radial-gradient(ellipse at 50% 50%,black 40%,transparent 80%)}
.hero-inner{position:relative;z-index:1;max-width:var(--max);margin:0 auto;padding:4rem 1.5rem 3.5rem}
.hero-eyebrow{display:inline-flex;align-items:center;gap:.4rem;font-size:.75rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-xlight);margin-bottom:1.25rem}
.hero-eyebrow::before{content:'';display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--cyan)}
.page-hero h1{color:white;font-size:clamp(1.8rem,4.5vw,2.75rem);font-weight:800;letter-spacing:-.03em;line-height:1.1;max-width:700px;margin-bottom:1rem}
.hero-sub{color:rgba(255,255,255,.65);font-size:1rem;max-width:560px;line-height:1.65;margin-bottom:0}
.hero-metrics{display:flex;gap:2rem;margin-top:2rem;flex-wrap:wrap}
.hero-metric{display:flex;flex-direction:column;gap:.15rem}
.hero-metric-val{font-family:var(--font-display);font-size:1.4rem;font-weight:800;color:white;letter-spacing:-.02em}
.hero-metric-label{font-size:.75rem;color:rgba(255,255,255,.45);font-weight:500}

/* ANSWER BOX */
.answer-box{background:var(--pale);border:1px solid var(--border-blue);border-left:3px solid var(--blue);border-radius:var(--r);padding:1.25rem 1.5rem;margin:2rem 0}
.answer-box-label{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:.6rem;display:flex;align-items:center;gap:.4rem}
.answer-box-label::before{content:'→';font-size:.8rem}
.answer-box p{color:var(--text-mid);font-size:.95rem;line-height:1.7}
.answer-box p strong{color:var(--text)}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:.4rem;padding:.65rem 1.25rem;font-family:var(--font-body);font-size:.9rem;font-weight:600;border-radius:var(--r-sm);border:none;cursor:pointer;text-decoration:none;transition:all .15s;line-height:1;white-space:nowrap}
.btn-primary{background:var(--blue);color:white}
.btn-primary:hover{background:var(--blue-dark);color:white;transform:translateY(-1px);box-shadow:var(--shadow-blue)}
.btn-ghost{background:transparent;color:var(--text-light);border:1px solid var(--border)}
.btn-ghost:hover{background:var(--faint);color:var(--text);border-color:var(--text-light)}
.btn-outline{background:transparent;color:var(--blue);border:1.5px solid var(--blue)}
.btn-outline:hover{background:var(--pale)}
.btn-lg{padding:.8rem 1.6rem;font-size:.95rem}
.btn-sm{padding:.45rem .85rem;font-size:.82rem}

/* VERDICT GRID */
.verdict-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1rem;margin:2rem 0}
.verdict-card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--border);border-radius:var(--r);padding:1.25rem;box-shadow:var(--shadow-sm);transition:box-shadow .2s,transform .2s}
.verdict-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.verdict-profile{font-size:.75rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--text-xlight);margin-bottom:.4rem}
.verdict-winner{font-family:var(--font-display);font-size:1rem;font-weight:700;margin-bottom:.5rem}
.verdict-reason{font-size:.87rem;color:var(--text-light);line-height:1.55}

/* INSURER GRID */
.insurer-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1rem;margin:1.5rem 0}
.insurer-card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--border);border-radius:var(--r);padding:1.25rem;box-shadow:var(--shadow-sm)}
.insurer-card-name{font-family:var(--font-display);font-size:.95rem;font-weight:700;margin-bottom:.2rem}
.insurer-card-product{font-size:.75rem;color:var(--text-xlight);margin-bottom:.75rem;font-weight:500}
.insurer-card p{font-size:.87rem;line-height:1.6}
.tag{display:inline-flex;align-items:center;padding:.2rem .55rem;border-radius:var(--r-pill);font-size:.72rem;font-weight:600;letter-spacing:.03em}
.tag-blue{background:var(--pale);color:var(--blue);border:1px solid var(--border-blue)}
.tag-success{background:var(--success-bg);color:var(--success)}

/* TABLE */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--r);border:1px solid var(--border)}
.comp-table{width:100%;border-collapse:collapse;font-size:.875rem;min-width:560px}
.comp-table th{background:var(--navy);color:white;font-family:var(--font-display);font-weight:600;font-size:.8rem;letter-spacing:.02em;padding:.75rem 1rem;text-align:left;white-space:nowrap}
.comp-table td{padding:.65rem 1rem;border-bottom:1px solid var(--border);vertical-align:top;color:var(--text-mid)}
.comp-table tr:last-child td{border-bottom:none}
.comp-table tr:hover td{background:var(--faint)}
.comp-table .feature-name{font-weight:500;color:var(--text);font-size:.85rem}
.comp-table .y{color:var(--success);font-weight:600;font-size:.9rem}
.comp-table .n{color:var(--text-xlight);font-size:.9rem}
.comp-table .opt{color:var(--warn);font-weight:500;font-size:.82rem}
.comp-table .row-key td{background:var(--pale)}
.comp-table .row-key:hover td{background:var(--pale-mid)}
.th-axa{border-bottom:2px solid var(--axa)!important}
.th-baloise{border-bottom:2px solid var(--baloise)!important}
.th-lalux{border-bottom:2px solid var(--lalux)!important}
.th-foyer{border-bottom:2px solid var(--foyer)!important}

/* SECTION */
.section{padding:3.5rem 0}
.section-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);margin-bottom:.6rem}
.section-lead{font-size:1rem;color:var(--text-light);max-width:600px;margin-top:.5rem}

/* CTA BANNER */
.cta-banner{background:var(--navy);border-radius:var(--r);padding:2.5rem;text-align:center;margin:3rem 0;position:relative;overflow:hidden}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% 0%,rgba(24,82,240,.2) 0%,transparent 60%)}
.cta-banner h2{color:white;font-size:1.5rem;margin-bottom:.5rem;position:relative}
.cta-banner p{color:rgba(255,255,255,.6);font-size:.95rem;margin-bottom:1.5rem;position:relative}
.cta-actions{display:flex;gap:.75rem;justify-content:center;flex-wrap:wrap;position:relative}
.cta-banner .btn-ghost{border-color:rgba(255,255,255,.25);color:rgba(255,255,255,.75)}
.cta-banner .btn-ghost:hover{background:rgba(255,255,255,.08);color:white;border-color:rgba(255,255,255,.4)}

/* FOOTER */
.site-footer{background:var(--navy);margin-top:4rem;border-top:1px solid var(--navy-mid)}
.footer-inner{max-width:var(--max);margin:0 auto;padding:3rem 1.5rem 2rem;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.footer-brand{display:flex;flex-direction:column;gap:.5rem}
.footer-brand-mark{width:36px;height:36px;background:var(--blue);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1rem;color:white;margin-bottom:.25rem}
.footer-brand strong{color:white;font-family:var(--font-display);font-size:.95rem}
.footer-brand span{font-size:.78rem;color:rgba(255,255,255,.35)}
.footer-col-title{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:.85rem}
.footer-col ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:.4rem}
.footer-col ul a{font-size:.85rem;color:rgba(255,255,255,.55);text-decoration:none;transition:color .15s}
.footer-col ul a:hover{color:white}
.footer-bottom{border-top:1px solid rgba(255,255,255,.07);max-width:var(--max);margin:0 auto;padding:1.5rem}
.footer-legal-text{font-size:.78rem;color:rgba(255,255,255,.3);line-height:1.65;margin-bottom:.75rem}
.footer-legal-text a{color:rgba(255,255,255,.45);text-decoration:underline}
.footer-legal-text a:hover{color:rgba(255,255,255,.7)}
.footer-legal-links{display:flex;gap:1.5rem}
.footer-legal-links a{font-size:.78rem;color:rgba(255,255,255,.35);text-decoration:none}
.footer-legal-links a:hover{color:rgba(255,255,255,.65)}
.source-note{font-size:.78rem;color:var(--text-xlight);margin-top:2rem;padding-top:1.25rem;border-top:1px solid var(--border);line-height:1.65}
.source-note a{color:var(--blue-light)}

/* SCORE BAR */
.score-bar-wrap{display:flex;align-items:center;gap:.75rem;margin-bottom:.6rem}
.score-bar-label{font-size:.82rem;color:var(--text-light);min-width:140px}
.score-bar-track{flex:1;height:6px;background:var(--border);border-radius:3px;overflow:hidden}
.score-bar-fill{height:100%;background:var(--blue);border-radius:3px;transition:width 1s cubic-bezier(.4,0,.2,1)}
.score-bar-val{font-family:var(--font-mono);font-size:.78rem;color:var(--text-light);min-width:32px;text-align:right}

/* RESULT CARD */
.result-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:1.5rem;box-shadow:var(--shadow-sm);margin-bottom:1rem}
.result-card.primary{border-color:var(--blue);box-shadow:0 0 0 1px var(--blue),var(--shadow-blue)}
.result-rank{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:var(--pale);font-family:var(--font-mono);font-size:.78rem;font-weight:600;color:var(--blue);margin-bottom:.5rem}
.result-card.primary .result-rank{background:var(--blue);color:white}

/* WIZARD */
.wizard-wrap{max-width:680px;margin:0 auto}
.wizard-progress{display:flex;align-items:center;gap:.35rem;margin-bottom:2rem}
.wizard-dot{width:8px;height:8px;border-radius:50%;background:var(--border);transition:background .3s}
.wizard-dot.active{background:var(--blue);width:24px;border-radius:4px}
.wizard-dot.done{background:var(--blue-xlight)}
.wizard-step{display:none}
.wizard-step.active{display:block}
.wizard-q{font-family:var(--font-display);font-size:1.25rem;font-weight:700;color:var(--text);margin-bottom:.4rem;line-height:1.25}
.wizard-hint{font-size:.85rem;color:var(--text-xlight);margin-bottom:1.5rem}
.option-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:.6rem;margin-bottom:1.5rem}
.option-btn{border:1.5px solid var(--border);background:var(--white);border-radius:var(--r);padding:.85rem 1rem;cursor:pointer;text-align:left;font-family:var(--font-body);font-size:.88rem;color:var(--text-light);font-weight:500;transition:all .15s;display:flex;flex-direction:column;gap:.25rem}
.option-btn .opt-icon{font-size:1.2rem;margin-bottom:.15rem}
.option-btn:hover{border-color:var(--blue-light);color:var(--text);background:var(--faint)}
.option-btn.selected{border-color:var(--blue);background:var(--pale);color:var(--text)}
.option-btn.selected .opt-label{color:var(--blue);font-weight:600}
.multi-btn{border:1.5px solid var(--border);background:var(--white);border-radius:var(--r-sm);padding:.6rem .9rem;cursor:pointer;font-family:var(--font-body);font-size:.88rem;color:var(--text-light);font-weight:500;transition:all .15s;display:flex;align-items:center;gap:.5rem}
.multi-btn .check{width:16px;height:16px;border:1.5px solid var(--border);border-radius:4px;transition:all .15s;flex-shrink:0}
.multi-btn.selected{border-color:var(--blue);background:var(--pale);color:var(--text)}
.multi-btn.selected .check{background:var(--blue);border-color:var(--blue);color:white;display:flex;align-items:center;justify-content:center;font-size:.6rem}
.wizard-nav{display:flex;gap:.75rem}
.wizard-results{display:none}
.wizard-results.active{display:block}

/* DIFF CARDS */
.diff-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:1.75rem;margin-bottom:1rem;box-shadow:var(--shadow-sm)}
.diff-header{display:flex;align-items:baseline;gap:1rem;margin-bottom:.4rem}
.diff-number{font-family:var(--font-mono);font-size:.75rem;font-weight:500;color:var(--blue);background:var(--pale);border:1px solid var(--border-blue);border-radius:var(--r-sm);padding:.15rem .5rem;flex-shrink:0;letter-spacing:.04em}
.diff-content h3{font-size:1.05rem;color:var(--text);margin-bottom:.3rem}
.diff-impact{font-size:.78rem;color:var(--text-xlight);margin-bottom:1rem;font-style:italic;display:flex;align-items:center;gap:.4rem}
.diff-impact::before{content:'💡';font-style:normal}
.diff-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem}
.diff-item{background:var(--faint);border:1px solid var(--border);border-radius:var(--r-sm);padding:1rem;font-size:.86rem;line-height:1.6;color:var(--text-light)}
.diff-item p{font-size:.86rem}
.diff-item.diff-winner{background:var(--pale);border-color:var(--border-blue)}
.diff-insurer{font-weight:700;font-size:.82rem;margin-bottom:.5rem}

/* PRICE CARDS */
.price-card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--border);border-radius:var(--r);padding:1.4rem;box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.price-insurer{font-weight:700;font-size:.9rem;margin-bottom:.75rem}
.price-range{font-family:var(--font-display);font-size:1.85rem;font-weight:800;color:var(--text);letter-spacing:-.03em;line-height:1}
.price-range span{font-size:.95rem;font-weight:500;color:var(--text-light)}
.price-label{font-size:.78rem;color:var(--text-xlight);margin-top:.2rem;font-family:var(--font-mono)}
.price-includes{list-style:none;padding:0;margin:.85rem 0 0;display:flex;flex-direction:column;gap:.3rem;flex:1;border-top:1px solid var(--border);padding-top:.85rem}
.price-includes li{font-size:.83rem;color:var(--text-light);line-height:1.45}
.price-verdict{font-size:.78rem;font-weight:600;color:var(--blue);background:var(--pale);border:1px solid var(--border-blue);padding:.4rem .65rem;border-radius:var(--r-sm);margin-top:.85rem}

/* FAQ */
.faq-section{margin-bottom:2.5rem}
.faq-section-title{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);margin-bottom:.85rem;padding-bottom:.5rem;border-bottom:1px solid var(--border-blue)}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:first-child{border-top:1px solid var(--border)}
.faq-q{width:100%;background:none;border:none;padding:.9rem 0;text-align:left;font-family:var(--font-body);font-size:.92rem;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-q:hover{color:var(--blue)}
.faq-icon{font-size:1rem;color:var(--text-xlight);transition:transform .2s;flex-shrink:0;font-weight:400}
.faq-a{display:none;padding:0 0 1rem;font-size:.9rem;line-height:1.7;color:var(--text-light)}
.faq-a a{color:var(--blue)}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-icon{transform:rotate(45deg);color:var(--blue)}
.faq-item.open .faq-q{color:var(--blue)}

/* QUOTE FORM */
.form-progress{background:var(--border);height:3px;border-radius:2px;margin-bottom:1.75rem}
.form-progress-bar{background:var(--blue);height:100%;border-radius:2px;transition:width .4s cubic-bezier(.4,0,.2,1)}
.quote-step{display:none}
.quote-step.active{display:block}
.field-group{margin-bottom:1rem}
.field-label{display:block;font-size:.83rem;font-weight:600;color:var(--text-mid);margin-bottom:.35rem}
.field-label .req{color:var(--blue);margin-left:2px}
.field-input,.field-select{width:100%;padding:.6rem .85rem;border:1.5px solid var(--border);border-radius:var(--r-sm);font-family:var(--font-body);font-size:.9rem;color:var(--text);background:var(--white);transition:border-color .15s,box-shadow .15s;appearance:none;-webkit-appearance:none}
.field-input:focus,.field-select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(24,82,240,.1)}
.radio-row{display:flex;gap:.5rem;flex-wrap:wrap}
.radio-opt{flex:1;min-width:100px;border:1.5px solid var(--border);border-radius:var(--r-sm);padding:.6rem .75rem;cursor:pointer;font-size:.86rem;text-align:center;transition:all .15s;background:var(--white);color:var(--text-light);font-weight:500}
.radio-opt:hover{border-color:var(--blue-light);color:var(--text);background:var(--faint)}
.radio-opt.selected{border-color:var(--blue);background:var(--pale);color:var(--text);font-weight:600}
.radio-opt input{display:none}
.err-msg{color:var(--error);font-size:.78rem;margin-top:.25rem;display:none}
.err-msg.show{display:block}
.form-actions{display:flex;gap:.75rem;margin-top:1.5rem}
.success-box{background:var(--pale);border:1px solid var(--border-blue);border-radius:var(--r);padding:2.5rem;text-align:center}
.success-box h2{color:var(--text);margin-bottom:.4rem}

/* LEGAL */
.legal-section{margin-bottom:2rem}
.legal-section h2{font-size:.95rem;color:var(--text);margin-bottom:.6rem;padding-bottom:.4rem;border-bottom:1px solid var(--border);font-weight:700}
.legal-section p,.legal-section li{font-size:.9rem;line-height:1.75;color:var(--text-light)}
.legal-section ul{padding-left:1.25rem;margin-top:.4rem}
.legal-section a{color:var(--blue)}

/* MISC */
.info-box{background:var(--faint);border:1px solid var(--border);border-radius:var(--r);padding:1.1rem 1.25rem;font-size:.87rem;line-height:1.65;color:var(--text-mid)}
.info-box.blue{background:var(--pale);border-color:var(--border-blue)}
.info-box.warn{background:var(--warn-bg);border-left:3px solid var(--warn)}
.info-box strong{color:var(--text)}
.step-list{display:flex;flex-direction:column;gap:1.25rem}
.step-item{display:flex;gap:1rem;align-items:flex-start}
.step-num{min-width:32px;height:32px;background:var(--navy);color:white;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-mono);font-size:.78rem;font-weight:500;flex-shrink:0;margin-top:2px}
.step-content h3{font-size:.95rem;color:var(--text);margin-bottom:.3rem}
.step-content p{font-size:.88rem;line-height:1.65}
.quick-verdict{background:var(--navy);border-radius:var(--r);padding:1.25rem;color:white}
.qv-title{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:.85rem}
.qv-item{padding:.5rem 0;border-bottom:1px solid rgba(255,255,255,.06)}
.qv-item:last-child{border-bottom:none}
.qv-label{font-size:.75rem;font-weight:600;color:rgba(255,255,255,.45);margin-bottom:.15rem}
.qv-value{font-size:.88rem;color:rgba(255,255,255,.8)}
.stat-tile{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:1.25rem;text-align:center}
.stat-tile-val{font-family:var(--font-display);font-size:2rem;font-weight:800;color:var(--text);letter-spacing:-.04em;line-height:1}
.stat-tile-label{font-size:.78rem;color:var(--text-xlight);margin-top:.35rem;font-weight:500}

/* RESPONSIVE */
@media(max-width:900px){.footer-inner{grid-template-columns:1fr 1fr}.diff-grid{grid-template-columns:1fr}}
@media(max-width:820px){.nav-links{display:none}.nav-hamburger{display:flex}.hero-inner{padding:2.5rem 1.25rem 2rem}.verdict-grid{grid-template-columns:1fr 1fr}.insurer-grid{grid-template-columns:1fr 1fr}.footer-inner{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.verdict-grid{grid-template-columns:1fr}.insurer-grid{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr}.cta-banner{padding:1.75rem 1.25rem}.radio-row{flex-direction:column}.option-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){h1{font-size:1.65rem}.option-grid{grid-template-columns:1fr}}

/* FIELD ERROR STATE */
.field-input.error,.field-select.error{border-color:var(--error);box-shadow:0 0 0 3px rgba(220,38,38,.1)}
.radio-row.error .radio-opt{border-color:var(--error)}

/* DIFF CARDS v2 */
.diff-card-v2{border-radius:10px;overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow);margin-bottom:1.5rem}
.diff-card-v2-head{display:flex;align-items:center;gap:.85rem;padding:1rem 1.4rem;background:var(--navy);border-bottom:none}
.diff-card-v2-num{font-family:var(--font-mono);font-size:.78rem;font-weight:600;color:var(--blue-xlight);background:rgba(255,255,255,.08);padding:.2rem .6rem;border-radius:var(--r-sm);letter-spacing:.06em;flex-shrink:0}
.diff-card-v2-title{font-family:var(--font-display);font-size:1rem;font-weight:700;color:white}
.diff-card-v2-body{padding:1.25rem 1.4rem;background:var(--white)}
.diff-card-v2-impact{font-size:.78rem;color:var(--text-xlight);margin-bottom:1rem;font-style:italic;display:flex;align-items:center;gap:.4rem}
.diff-card-v2-impact::before{content:'💡';font-style:normal}
.diff-card-v2-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.7rem}
.diff-ins{background:var(--faint);border:1px solid var(--border);border-left:3px solid var(--border);border-radius:var(--r-sm);padding:.9rem 1rem}
.diff-ins.best{background:var(--pale);border-color:var(--border-blue);border-left-color:var(--blue)}
.diff-ins-name{font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.45rem}
.diff-ins p{font-size:.85rem;line-height:1.6;color:var(--text-light);margin:0}
.diff-ins p strong{color:var(--text-mid)}
.diff-ins.best p{color:var(--text-mid)}
@media(max-width:640px){.diff-card-v2-grid{grid-template-columns:1fr}}