/* CSS Variables */
        :root {
            --primary: #0284C7;
            --primary-dark: #0369A1;
            --secondary: #10B981;
            --secondary-dark: #059669;
            --accent: #F0F9FF;
            --accent-dark: #E0F2FE;
            --text-dark: #1E293B;
            --text-light: #64748B;
            --text-muted: #94A3B8;
            --white: #FFFFFF;
            --gray-50: #F8FAFC;
            --gray-100: #F1F5F9;
            --gray-200: #E2E8F0;
            --gray-300: #CBD5E1;
            --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
            --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
            --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
            --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
            --radius: 12px;
            --radius-sm: 8px;
            --transition: all 0.3s ease;
        }

        /* Reset & Base */
        *, *::before, *::after {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        html {
            scroll-behavior: smooth;
        }

        body {
            font-family: 'Inter', sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
            background-color: var(--white);
            overflow-x: hidden;
        }

        h1, h2, h3, h4, h5, h6 {
            font-family: 'Poppins', sans-serif;
            font-weight: 600;
            line-height: 1.3;
        }

        a {
            text-decoration: none;
            color: inherit;
            transition: var(--transition);
        }

        ul {
            list-style: none;
        }

        img {
            max-width: 100%;
            height: auto;
        }

        /* Container */
        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        /* Section Styling */
        section {
            padding: 80px 0;
        }

        .section-header {
            text-align: center;
            margin-bottom: 60px;
        }

        .section-header h2 {
            font-size: 2.5rem;
            color: var(--text-dark);
            margin-bottom: 16px;
        }

        .section-header p {
            font-size: 1.125rem;
            color: var(--text-light);
            max-width: 600px;
            margin: 0 auto;
        }

        .section-tag {
            display: inline-block;
            background: var(--accent);
            color: var(--primary);
            padding: 6px 16px;
            border-radius: 50px;
            font-size: 0.875rem;
            font-weight: 500;
            margin-bottom: 16px;
        }

        /* Buttons */
        .btn {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            gap: 8px;
            padding: 14px 28px;
            border-radius: var(--radius-sm);
            font-weight: 600;
            font-size: 1rem;
            cursor: pointer;
            border: none;
            transition: var(--transition);
            font-family: 'Inter', sans-serif;
        }

        .btn-primary {
            background: var(--primary);
            color: var(--white);
        }

        .btn-primary:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
            box-shadow: var(--shadow-lg);
        }

        .btn-secondary {
            background: var(--secondary);
            color: var(--white);
        }

        .btn-secondary:hover {
            background: var(--secondary-dark);
            transform: translateY(-2px);
            box-shadow: var(--shadow-lg);
        }

        .btn-outline {
            background: transparent;
            border: 2px solid var(--primary);
            color: var(--primary);
        }

        .btn-outline:hover {
            background: var(--primary);
            color: var(--white);
        }

        .btn-white {
            background: var(--white);
            color: var(--primary);
        }

        .btn-white:hover {
            background: var(--gray-100);
            transform: translateY(-2px);
        }

        /* Header */
        .header {
            position: fixed;
            top: 0;
            left: 0;
            right: 0;
            background: var(--white);
            box-shadow: var(--shadow-sm);
            z-index: 1000;
            transition: var(--transition);
        }

        .header.scrolled {
            box-shadow: var(--shadow);
        }

        .header-inner {
            display: flex;
            align-items: center;
            justify-content: space-between;
            height: 80px;
        }

        .logo {
            display: flex;
            align-items: center;
            gap: 12px;
            font-family: 'Poppins', sans-serif;
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--primary);
        }

        .logo-icon {
            width: 45px;
            height: 45px;
            background: var(--primary);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .logo-icon svg {
            width: 28px;
            height: 28px;
            fill: var(--white);
        }

        .nav-menu {
            display: flex;
            align-items: center;
            gap: 32px;
        }

        .nav-link {
            font-weight: 500;
            color: var(--text-dark);
            position: relative;
        }

        .nav-link::after {
            content: '';
            position: absolute;
            bottom: -4px;
            left: 0;
            width: 0;
            height: 2px;
            background: var(--primary);
            transition: var(--transition);
        }

        .nav-link:hover {
            color: var(--primary);
        }

        .nav-link:hover::after {
            width: 100%;
        }

        .header-actions {
            display: flex;
            align-items: center;
            gap: 16px;
        }

        .mobile-toggle {
            display: none;
            flex-direction: column;
            gap: 5px;
            cursor: pointer;
            padding: 8px;
        }

        .mobile-toggle span {
            width: 25px;
            height: 3px;
            background: var(--text-dark);
            border-radius: 2px;
            transition: var(--transition);
        }

        /* Hero Section */
        .hero {
            padding: 160px 0 100px;
            background: linear-gradient(135deg, var(--accent) 0%, var(--white) 50%, var(--accent-dark) 100%);
            position: relative;
            overflow: hidden;
        }

        .hero::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -20%;
            width: 70%;
            height: 150%;
            background: radial-gradient(circle, rgba(2, 132, 199, 0.08) 0%, transparent 70%);
            pointer-events: none;
        }

        .hero-inner {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 60px;
            align-items: center;
        }

        .hero-content h1 {
            font-size: 3.5rem;
            color: var(--text-dark);
            margin-bottom: 24px;
            line-height: 1.2;
        }

        .hero-content h1 span {
            color: var(--primary);
        }

        .hero-content p {
            font-size: 1.25rem;
            color: var(--text-light);
            margin-bottom: 32px;
            line-height: 1.7;
        }

        .hero-buttons {
            display: flex;
            gap: 16px;
            flex-wrap: wrap;
        }

        .hero-stats {
            display: flex;
            gap: 48px;
            margin-top: 48px;
            padding-top: 32px;
            border-top: 1px solid var(--gray-200);
        }

        .stat-item h3 {
            font-size: 2.5rem;
            color: var(--primary);
            font-weight: 700;
        }

        .stat-item p {
            font-size: 0.875rem;
            color: var(--text-muted);
            margin-top: 4px;
        }

        .hero-image {
            position: relative;
        }

        .hero-image-main {
            width: 100%;
            height: 500px;
            background: var(--white);
            border-radius: var(--radius);
            box-shadow: var(--shadow-xl);
            display: flex;
            align-items: center;
            justify-content: center;
            overflow: hidden;
        }

        .hero-image-placeholder {
            width: 100%;
            height: 100%;
            display: flex;
            flex-direction: column;
            align-items: center;
            justify-content: center;
            background: linear-gradient(135deg, var(--accent) 0%, var(--primary) 100%);
            color: var(--white);
        }

        .hero-image-placeholder svg {
            width: 120px;
            height: 120px;
            margin-bottom: 20px;
            opacity: 0.9;
        }

        .hero-image-placeholder span {
            font-size: 1.25rem;
            font-weight: 500;
        }

        .floating-card {
            position: absolute;
            background: var(--white);
            padding: 16px 24px;
            border-radius: var(--radius);
            box-shadow: var(--shadow-lg);
            display: flex;
            align-items: center;
            gap: 12px;
            animation: float 3s ease-in-out infinite;
        }

        .floating-card.card-1 {
            top: 20%;
            left: -30px;
        }

        .floating-card.card-2 {
            bottom: 20%;
            right: -30px;
            animation-delay: 1.5s;
        }

        .floating-card .icon {
            width: 48px;
            height: 48px;
            background: var(--accent);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .floating-card .icon svg {
            width: 24px;
            height: 24px;
            fill: var(--primary);
        }

        .floating-card .text h4 {
            font-size: 0.875rem;
            color: var(--text-dark);
        }

        .floating-card .text p {
            font-size: 0.75rem;
            color: var(--text-muted);
        }

        @keyframes float {
            0%, 100% { transform: translateY(0); }
            50% { transform: translateY(-10px); }
        }

        /* About Section */
        .about {
            background: var(--white);
        }

        .about-inner {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 80px;
            align-items: center;
        }

        .about-images {
            position: relative;
        }

        .about-main-image {
            width: 100%;
            height: 450px;
            background: var(--gray-100);
            border-radius: var(--radius);
            display: flex;
            align-items: center;
            justify-content: center;
            position: relative;
            overflow: hidden;
        }

        .about-main-image svg {
            width: 100px;
            height: 100px;
            fill: var(--primary);
            opacity: 0.5;
        }

        .about-experience {
            position: absolute;
            bottom: -30px;
            right: -30px;
            background: var(--secondary);
            color: var(--white);
            padding: 24px;
            border-radius: var(--radius);
            text-align: center;
            box-shadow: var(--shadow-lg);
        }

        .about-experience h3 {
            font-size: 2.5rem;
            font-weight: 700;
        }

        .about-experience p {
            font-size: 0.875rem;
            opacity: 0.9;
        }

        .about-content h2 {
            font-size: 2.5rem;
            margin-bottom: 20px;
            color: var(--text-dark);
        }

        .about-content > p {
            color: var(--text-light);
            margin-bottom: 24px;
            line-height: 1.8;
        }

        .about-features {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-bottom: 32px;
        }

        .about-feature {
            display: flex;
            align-items: center;
            gap: 12px;
        }

        .about-feature .icon {
            width: 24px;
            height: 24px;
            background: var(--secondary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .about-feature .icon svg {
            width: 14px;
            height: 14px;
            fill: var(--white);
        }

        .about-feature span {
            font-weight: 500;
            color: var(--text-dark);
        }

        /* Services Section */
        .services {
            background: var(--gray-50);
        }

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

        .service-card {
            background: var(--white);
            padding: 40px 30px;
            border-radius: var(--radius);
            box-shadow: var(--shadow);
            transition: var(--transition);
            position: relative;
            overflow: hidden;
        }

        .service-card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 4px;
            background: var(--primary);
            transform: scaleX(0);
            transition: var(--transition);
        }

        .service-card:hover {
            transform: translateY(-8px);
            box-shadow: var(--shadow-xl);
        }

        .service-card:hover::before {
            transform: scaleX(1);
        }

        .service-icon {
            width: 70px;
            height: 70px;
            background: var(--accent);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 24px;
            transition: var(--transition);
        }

        .service-card:hover .service-icon {
            background: var(--primary);
        }

        .service-icon svg {
            width: 35px;
            height: 35px;
            fill: var(--primary);
            transition: var(--transition);
        }

        .service-card:hover .service-icon svg {
            fill: var(--white);
        }

        .service-card h3 {
            font-size: 1.25rem;
            margin-bottom: 12px;
            color: var(--text-dark);
        }

        .service-card p {
            color: var(--text-light);
            margin-bottom: 20px;
            line-height: 1.7;
        }

        .service-link {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            color: var(--primary);
            font-weight: 600;
            font-size: 0.875rem;
        }

        .service-link svg {
            width: 18px;
            height: 18px;
            fill: var(--primary);
            transition: var(--transition);
        }

        .service-link:hover {
            gap: 12px;
        }

        /* Why Choose Us Section */
        .why-us {
            background: var(--white);
        }

        .why-us-inner {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 80px;
            align-items: center;
        }

        .why-us-content h2 {
            font-size: 2.5rem;
            margin-bottom: 20px;
            color: var(--text-dark);
        }

        .why-us-content > p {
            color: var(--text-light);
            margin-bottom: 32px;
            line-height: 1.8;
        }

        .why-us-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 24px;
        }

        .why-us-item {
            display: flex;
            gap: 16px;
            padding: 24px;
            background: var(--gray-50);
            border-radius: var(--radius);
            transition: var(--transition);
        }

        .why-us-item:hover {
            background: var(--accent);
        }

        .why-us-item .icon {
            width: 50px;
            height: 50px;
            background: var(--primary);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .why-us-item .icon svg {
            width: 26px;
            height: 26px;
            fill: var(--white);
        }

        .why-us-item h4 {
            font-size: 1rem;
            margin-bottom: 6px;
            color: var(--text-dark);
        }

        .why-us-item p {
            font-size: 0.875rem;
            color: var(--text-light);
        }

        .why-us-image {
            position: relative;
        }

        .why-us-main {
            width: 100%;
            height: 450px;
            background: var(--accent);
            border-radius: var(--radius);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .why-us-main svg {
            width: 150px;
            height: 150px;
            fill: var(--primary);
            opacity: 0.3;
        }

        .why-us-features {
            position: absolute;
            bottom: -40px;
            left: 50%;
            transform: translateX(-50%);
            display: flex;
            gap: 20px;
            background: var(--white);
            padding: 24px;
            border-radius: var(--radius);
            box-shadow: var(--shadow-xl);
        }

        .why-us-feature {
            text-align: center;
        }

        .why-us-feature h4 {
            font-size: 1.5rem;
            color: var(--primary);
            font-weight: 700;
        }

        .why-us-feature p {
            font-size: 0.75rem;
            color: var(--text-muted);
        }

        /* Insurance Plans Section */
        .insurance {
            background: var(--gray-50);
        }

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

        .insurance-card {
            background: var(--white);
            border-radius: var(--radius);
            box-shadow: var(--shadow);
            overflow: hidden;
            transition: var(--transition);
            position: relative;
        }

        .insurance-card:hover {
            transform: translateY(-8px);
            box-shadow: var(--shadow-xl);
        }

        .insurance-card.featured {
            border: 2px solid var(--primary);
        }

        .insurance-card.featured::before {
            content: 'Most Popular';
            position: absolute;
            top: 20px;
            right: -35px;
            background: var(--primary);
            color: var(--white);
            padding: 4px 40px;
            font-size: 0.75rem;
            font-weight: 600;
            transform: rotate(45deg);
        }

        .insurance-header {
            padding: 32px;
            text-align: center;
            background: var(--accent);
        }

        .insurance-header h3 {
            font-size: 1.25rem;
            margin-bottom: 8px;
            color: var(--text-dark);
        }

        .insurance-header .price {
            font-size: 2.5rem;
            font-weight: 700;
            color: var(--primary);
        }

        .insurance-header .price span {
            font-size: 1rem;
            font-weight: 400;
            color: var(--text-light);
        }

        .insurance-body {
            padding: 32px;
        }

        .insurance-features {
            margin-bottom: 32px;
        }

        .insurance-features li {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 10px 0;
            border-bottom: 1px solid var(--gray-100);
        }

        .insurance-features li:last-child {
            border-bottom: none;
        }

        .insurance-features li svg {
            width: 20px;
            height: 20px;
            fill: var(--secondary);
            flex-shrink: 0;
        }

        .insurance-features li span {
            color: var(--text-dark);
        }

        .insurance-card .btn {
            width: 100%;
        }

        /* Testimonials Section */
        .testimonials {
            background: var(--white);
        }

        .testimonials-slider {
            position: relative;
            overflow: hidden;
        }

        .testimonials-track {
            display: flex;
            gap: 30px;
            transition: transform 0.5s ease;
        }

        .testimonial-card {
            flex: 0 0 calc(33.333% - 20px);
            background: var(--gray-50);
            padding: 32px;
            border-radius: var(--radius);
            position: relative;
        }

        .testimonial-card::before {
            content: '"';
            position: absolute;
            top: 20px;
            left: 24px;
            font-size: 4rem;
            color: var(--primary);
            opacity: 0.1;
            font-family: Georgia, serif;
            line-height: 1;
        }

        .testimonial-rating {
            display: flex;
            gap: 4px;
            margin-bottom: 16px;
        }

        .testimonial-rating svg {
            width: 18px;
            height: 18px;
            fill: #FBBF24;
        }

        .testimonial-text {
            color: var(--text-dark);
            margin-bottom: 24px;
            line-height: 1.8;
            font-style: italic;
        }

        .testimonial-author {
            display: flex;
            align-items: center;
            gap: 16px;
        }

        .testimonial-avatar {
            width: 56px;
            height: 56px;
            background: var(--primary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--white);
            font-weight: 600;
            font-size: 1.25rem;
        }

        .testimonial-info h4 {
            font-size: 1rem;
            color: var(--text-dark);
        }

        .testimonial-info p {
            font-size: 0.875rem;
            color: var(--text-muted);
        }

        .testimonial-dots {
            display: flex;
            justify-content: center;
            gap: 8px;
            margin-top: 32px;
        }

        .testimonial-dot {
            width: 12px;
            height: 12px;
            border-radius: 50%;
            background: var(--gray-300);
            cursor: pointer;
            transition: var(--transition);
        }

        .testimonial-dot.active {
            background: var(--primary);
        }

        /* Contact Section */
        .contact {
            background: var(--accent);
        }

        .contact-inner {
            display: grid;
            grid-template-columns: 1fr 1.5fr;
            gap: 60px;
        }

        .contact-info h2 {
            font-size: 2.5rem;
            margin-bottom: 20px;
            color: var(--text-dark);
        }

        .contact-info > p {
            color: var(--text-light);
            margin-bottom: 32px;
            line-height: 1.8;
        }

        .contact-details {
            display: flex;
            flex-direction: column;
            gap: 24px;
        }

        .contact-item {
            display: flex;
            align-items: flex-start;
            gap: 16px;
        }

        .contact-item .icon {
            width: 50px;
            height: 50px;
            background: var(--white);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            box-shadow: var(--shadow);
        }

        .contact-item .icon svg {
            width: 24px;
            height: 24px;
            fill: var(--primary);
        }

        .contact-item h4 {
            font-size: 1rem;
            margin-bottom: 4px;
            color: var(--text-dark);
        }

        .contact-item p {
            color: var(--text-light);
        }

        .contact-item a {
            color: var(--primary);
            font-weight: 500;
        }

        .contact-form-wrapper {
            background: var(--white);
            padding: 48px;
            border-radius: var(--radius);
            box-shadow: var(--shadow-lg);
        }

        .contact-form-wrapper h3 {
            font-size: 1.5rem;
            margin-bottom: 8px;
            color: var(--text-dark);
        }

        .contact-form-wrapper > p {
            color: var(--text-light);
            margin-bottom: 32px;
        }

        .form-row {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-bottom: 20px;
        }

        .form-group {
            margin-bottom: 20px;
        }

        .form-group label {
            display: block;
            font-weight: 500;
            margin-bottom: 8px;
            color: var(--text-dark);
        }

        .form-group label .required {
            color: #EF4444;
        }

        .form-group input,
        .form-group select,
        .form-group textarea {
            width: 100%;
            padding: 14px 16px;
            border: 2px solid var(--gray-200);
            border-radius: var(--radius-sm);
            font-size: 1rem;
            font-family: 'Inter', sans-serif;
            transition: var(--transition);
            background: var(--white);
        }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: var(--primary);
            box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.1);
        }

        .form-group textarea {
            resize: vertical;
            min-height: 120px;
        }

        .form-group select {
            cursor: pointer;
            appearance: none;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
            background-repeat: no-repeat;
            background-position: right 12px center;
            background-size: 18px;
        }

        .form-checkbox {
            display: flex;
            align-items: flex-start;
            gap: 12px;
            margin-bottom: 24px;
        }

        .form-checkbox input[type="checkbox"] {
            width: 20px;
            height: 20px;
            accent-color: var(--primary);
            cursor: pointer;
            flex-shrink: 0;
            margin-top: 2px;
        }

        .form-checkbox label {
            font-size: 0.875rem;
            color: var(--text-light);
            cursor: pointer;
        }

        .form-checkbox label a {
            color: var(--primary);
            text-decoration: underline;
        }

        .contact-form .btn {
            width: 100%;
        }

        /* Success Message */
        .success-message {
            display: none;
            text-align: center;
            padding: 48px;
        }

        .success-message.show {
            display: block;
        }

        .success-icon {
            width: 80px;
            height: 80px;
            background: var(--secondary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 24px;
            animation: scaleIn 0.5s ease;
        }

        .success-icon svg {
            width: 40px;
            height: 40px;
            fill: var(--white);
        }

        @keyframes scaleIn {
            0% { transform: scale(0); }
            50% { transform: scale(1.2); }
            100% { transform: scale(1); }
        }

        .success-message h3 {
            font-size: 1.75rem;
            margin-bottom: 12px;
            color: var(--text-dark);
        }

        .success-message p {
            color: var(--text-light);
        }

        /* Footer */
        .footer {
            background: var(--text-dark);
            color: var(--white);
            padding: 80px 0 24px;
        }

        .footer-grid {
            display: grid;
            grid-template-columns: 2fr 1fr 1fr 1.5fr;
            gap: 48px;
            margin-bottom: 48px;
        }

        .footer-brand .logo {
            color: var(--white);
            margin-bottom: 20px;
        }

        .footer-brand .logo-icon {
            background: var(--primary);
        }

        .footer-brand > p {
            color: var(--text-muted);
            margin-bottom: 24px;
            line-height: 1.8;
        }

        .footer-social {
            display: flex;
            gap: 12px;
        }

        .footer-social a {
            width: 40px;
            height: 40px;
            background: rgba(255, 255, 255, 0.1);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            transition: var(--transition);
        }

        .footer-social a:hover {
            background: var(--primary);
        }

        .footer-social a svg {
            width: 20px;
            height: 20px;
            fill: var(--white);
        }

        .footer-column h4 {
            font-size: 1.125rem;
            margin-bottom: 24px;
            color: var(--white);
        }

        .footer-links {
            display: flex;
            flex-direction: column;
            gap: 12px;
        }

        .footer-links a {
            color: var(--text-muted);
            transition: var(--transition);
        }

        .footer-links a:hover {
            color: var(--white);
            padding-left: 8px;
        }

        .footer-newsletter p {
            color: var(--text-muted);
            margin-bottom: 20px;
        }

        .footer-newsletter form {
            display: flex;
            gap: 12px;
        }

        .footer-newsletter input {
            flex: 1;
            padding: 12px 16px;
            border: none;
            border-radius: var(--radius-sm);
            background: rgba(255, 255, 255, 0.1);
            color: var(--white);
            font-size: 0.875rem;
        }

        .footer-newsletter input::placeholder {
            color: var(--text-muted);
        }

        .footer-newsletter button {
            padding: 12px 20px;
            background: var(--primary);
            border: none;
            border-radius: var(--radius-sm);
            color: var(--white);
            font-weight: 600;
            cursor: pointer;
            transition: var(--transition);
        }

        .footer-newsletter button:hover {
            background: var(--primary-dark);
        }

        .footer-bottom {
            border-top: 1px solid rgba(255, 255, 255, 0.1);
            padding-top: 24px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            flex-wrap: wrap;
            gap: 16px;
        }

        .footer-bottom p {
            color: var(--text-muted);
            font-size: 0.875rem;
        }

        .footer-bottom-links {
            display: flex;
            gap: 24px;
        }

        .footer-bottom-links a {
            color: var(--text-muted);
            font-size: 0.875rem;
        }

        .footer-bottom-links a:hover {
            color: var(--white);
        }

        /* Modal Styles */
        .modal-overlay {
            position: fixed;
            top: 0;
            left: 0;
            right: 0;
            bottom: 0;
            background: rgba(0, 0, 0, 0.5);
            backdrop-filter: blur(4px);
            z-index: 2000;
            display: flex;
            align-items: center;
            justify-content: center;
            opacity: 0;
            visibility: hidden;
            transition: var(--transition);
            padding: 24px;
        }

        .modal-overlay.active {
            opacity: 1;
            visibility: visible;
        }

        .modal {
            background: var(--white);
            border-radius: var(--radius);
            width: 100%;
            max-width: 600px;
            max-height: 80vh;
            overflow: hidden;
            transform: scale(0.9);
            transition: var(--transition);
        }

        .modal-overlay.active .modal {
            transform: scale(1);
        }

        .modal-header {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 24px;
            border-bottom: 1px solid var(--gray-200);
        }

        .modal-header h3 {
            font-size: 1.25rem;
            color: var(--text-dark);
        }

        .modal-close {
            width: 40px;
            height: 40px;
            border: none;
            background: var(--gray-100);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            cursor: pointer;
            transition: var(--transition);
        }

        .modal-close:hover {
            background: var(--gray-200);
        }

        .modal-close svg {
            width: 20px;
            height: 20px;
            fill: var(--text-dark);
        }

        .modal-body {
            padding: 24px;
            overflow-y: auto;
            max-height: calc(80vh - 140px);
        }

        .modal-body h4 {
            font-size: 1.125rem;
            margin: 24px 0 12px;
            color: var(--text-dark);
        }

        .modal-body h4:first-child {
            margin-top: 0;
        }

        .modal-body p {
            color: var(--text-light);
            line-height: 1.8;
            margin-bottom: 16px;
        }

        .modal-body ul {
            list-style: disc;
            padding-left: 24px;
            margin-bottom: 16px;
        }

        .modal-body li {
            color: var(--text-light);
            margin-bottom: 8px;
            line-height: 1.7;
        }

        /* Newsletter Modal */
        .newsletter-modal .modal {
            max-width: 500px;
        }

        .newsletter-modal .modal-body {
            padding: 24px;
        }

        .newsletter-modal .form-group {
            margin-bottom: 16px;
        }

        .newsletter-modal .form-group:last-of-type {
            margin-bottom: 24px;
        }

        .newsletter-modal .btn {
            width: 100%;
        }

        /* Responsive Styles */
        @media (max-width: 1024px) {
            .hero-inner {
                grid-template-columns: 1fr;
                gap: 40px;
            }

            .hero-content h1 {
                font-size: 2.75rem;
            }

            .hero-image {
                order: -1;
            }

            .hero-image-main {
                height: 350px;
            }

            .floating-card.card-1 {
                left: 20px;
            }

            .floating-card.card-2 {
                right: 20px;
            }

            .about-inner,
            .why-us-inner {
                grid-template-columns: 1fr;
                gap: 48px;
            }

            .services-grid,
            .insurance-grid {
                grid-template-columns: repeat(2, 1fr);
            }

            .footer-grid {
                grid-template-columns: 1fr 1fr;
            }

            .testimonial-card {
                flex: 0 0 calc(50% - 15px);
            }

            .contact-inner {
                grid-template-columns: 1fr;
            }
        }

        @media (max-width: 768px) {
            section {
                padding: 60px 0;
            }

            .section-header h2 {
                font-size: 2rem;
            }

            .nav-menu {
                position: fixed;
                top: 80px;
                left: 0;
                right: 0;
                background: var(--white);
                flex-direction: column;
                padding: 24px;
                gap: 0;
                box-shadow: var(--shadow-lg);
                transform: translateY(-100%);
                opacity: 0;
                visibility: hidden;
                transition: var(--transition);
            }

            .nav-menu.active {
                transform: translateY(0);
                opacity: 1;
                visibility: visible;
            }

            .nav-link {
                padding: 16px 0;
                border-bottom: 1px solid var(--gray-100);
                width: 100%;
            }

            .header-actions {
                display: none;
            }

            .mobile-toggle {
                display: flex;
            }

            .hero {
                padding: 120px 0 60px;
            }

            .hero-content h1 {
                font-size: 2.25rem;
            }

            .hero-content p {
                font-size: 1.125rem;
            }

            .hero-stats {
                flex-wrap: wrap;
                gap: 24px;
            }

            .hero-buttons {
                flex-direction: column;
            }

            .hero-buttons .btn {
                width: 100%;
            }

            .services-grid,
            .insurance-grid {
                grid-template-columns: 1fr;
            }

            .why-us-grid {
                grid-template-columns: 1fr;
            }

            .about-features {
                grid-template-columns: 1fr;
            }

            .footer-grid {
                grid-template-columns: 1fr;
                gap: 32px;
            }

            .footer-bottom {
                flex-direction: column;
                text-align: center;
            }

            .form-row {
                grid-template-columns: 1fr;
            }

            .contact-form-wrapper {
                padding: 32px 24px;
            }

            .why-us-features {
                position: static;
                transform: none;
                flex-wrap: wrap;
                justify-content: center;
            }

            .testimonial-card {
                flex: 0 0 100%;
            }

            .insurance-card.featured::before {
                display: none;
            }
        }

        @media (max-width: 480px) {
            .hero-content h1 {
                font-size: 1.875rem;
            }

            .stat-item h3 {
                font-size: 2rem;
            }

            .floating-card {
                display: none;
            }
        }