/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --red: #E31E24;
  --red-dark: #C41A1F;
  --red-light: #FEF2F2;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --gray-900: #111827;
  --white: #FFFFFF;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 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: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}

h1, h2, h3, h4 { line-height: 1.2; color: var(--gray-900); }
h1 { font-size: 2.5rem; font-weight: 800; }
h2 { font-size: 2rem; font-weight: 700; text-align: center; margin-bottom: 48px; }
h3 { font-size: 1.25rem; font-weight: 600; }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: inherit;
  font-weight: 600;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  font-size: 1rem;
  padding: 12px 24px;
  gap: 8px;
}

.btn-primary {
  background: var(--red);
  color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn-primary:hover {
  background: var(--red-dark);
  box-shadow: var(--shadow-lg);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--gray-600);
  border: 1px solid var(--gray-300);
}
.btn-ghost:hover { background: var(--gray-50); }

.btn-lg { padding: 16px 32px; font-size: 1.1rem; border-radius: var(--radius-lg); }
.btn-sm { padding: 8px 16px; font-size: 0.875rem; }

/* === HEADER === */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-100);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.1rem;
  color: var(--gray-800);
}

.logo-flag { font-size: 1.4rem; }
.logo-text { letter-spacing: -0.02em; }

/* === HERO === */
.hero {
  padding: 80px 0 64px;
  background: linear-gradient(180deg, var(--white) 0%, var(--gray-50) 100%);
}

.hero-content {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}

.hero h1 { margin-bottom: 20px; letter-spacing: -0.03em; }

.highlight {
  color: var(--red);
  white-space: nowrap;
}

.hero-sub {
  font-size: 1.2rem;
  color: var(--gray-600);
  margin-bottom: 32px;
  line-height: 1.7;
}

.trust-badges {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  color: var(--gray-600);
  font-weight: 500;
}

.badge-icon { font-size: 1.1rem; }

/* === BENEFITS === */
.benefits {
  padding: 80px 0;
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.benefit-card {
  text-align: center;
  padding: 32px 24px;
  border-radius: var(--radius-xl);
  border: 1px solid var(--gray-100);
  transition: all 0.2s ease;
}
.benefit-card:hover {
  border-color: var(--gray-200);
  box-shadow: var(--shadow-md);
}

.benefit-icon { font-size: 2.5rem; margin-bottom: 16px; }

.benefit-card h3 { margin-bottom: 12px; }
.benefit-card p { color: var(--gray-500); font-size: 0.95rem; line-height: 1.6; }

/* === HOW IT WORKS === */
.how-it-works {
  padding: 80px 0;
  background: var(--gray-50);
}

.steps-grid {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 16px;
}

.step {
  text-align: center;
  flex: 1;
  max-width: 200px;
}

.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--red);
  color: var(--white);
  font-weight: 700;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step h4 { margin-bottom: 8px; font-size: 1rem; }
.step p { font-size: 0.875rem; color: var(--gray-500); }

.step-arrow {
  color: var(--gray-300);
  font-size: 1.5rem;
  margin-top: 12px;
  flex-shrink: 0;
}

/* === AUDIT 360° === */
.audit-section {
  padding: 80px 0;
  background: var(--white);
}

.audit-card {
  max-width: 720px;
  margin: 0 auto;
  background: linear-gradient(135deg, var(--red-light) 0%, #FFF7ED 100%);
  border: 2px solid #FECACA;
  border-radius: var(--radius-xl);
  padding: 48px;
  text-align: center;
}

.audit-badge {
  display: inline-block;
  background: var(--red);
  color: var(--white);
  font-weight: 700;
  font-size: 0.875rem;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 24px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.audit-card h2 { margin-bottom: 20px; text-align: center; font-size: 1.75rem; }
.audit-card p { color: var(--gray-600); font-size: 1.05rem; line-height: 1.7; margin-bottom: 24px; }

.audit-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
  text-align: left;
  max-width: 400px;
  margin: 0 auto 32px;
}

.audit-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
}

.audit-check {
  color: var(--red);
  font-weight: 700;
  font-size: 1.1rem;
}

/* === FORM === */
.form-section {
  padding: 80px 0;
  background: var(--gray-50);
}

.form-wrapper {
  max-width: 600px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: 40px;
  border: 1px solid var(--gray-100);
}

/* Progress bar */
.progress-bar { margin-bottom: 36px; }

.progress-steps {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex: 1;
}

.progress-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-500);
  font-size: 0.8rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
}

.progress-step.active .progress-dot,
.progress-step.completed .progress-dot {
  background: var(--red);
  color: var(--white);
}

.progress-step.completed .progress-dot { background: #16A34A; }

.progress-step span {
  font-size: 0.75rem;
  color: var(--gray-400);
  font-weight: 500;
}

.progress-step.active span,
.progress-step.completed span { color: var(--gray-700); }

.progress-line {
  height: 2px;
  flex: 1;
  background: var(--gray-200);
  margin: 0 -8px;
  margin-top: -22px;
}

.progress-fill-track {
  height: 4px;
  background: var(--gray-200);
  border-radius: 2px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: var(--red);
  border-radius: 2px;
  transition: width 0.4s ease;
}

/* Form steps */
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s ease; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step h3 {
  margin-bottom: 8px;
  font-size: 1.1rem;
  color: var(--gray-700);
}

.step-desc {
  color: var(--gray-500);
  margin-bottom: 24px;
  font-size: 0.95rem;
}

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

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(227, 30, 36, 0.1);
}

.form-group input.error,
.form-group select.error {
  border-color: var(--red);
  background: var(--red-light);
}

.form-group .error-msg {
  color: var(--red);
  font-size: 0.8rem;
  margin-top: 4px;
  display: none;
}

.form-group.has-error .error-msg { display: block; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 28px;
  gap: 12px;
}

/* Checkbox cards */
.checkbox-group {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 8px;
}

.checkbox-card {
  display: flex;
  cursor: pointer;
  position: relative;
}

.checkbox-card input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.checkbox-content {
  display: flex;
  align-items: center;
  gap: 14px;
  width: 100%;
  padding: 14px 18px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-lg);
  transition: all 0.2s ease;
  background: var(--white);
}

.checkbox-card input:checked + .checkbox-content {
  border-color: var(--red);
  background: var(--red-light);
}

.checkbox-card:hover .checkbox-content {
  border-color: var(--gray-300);
}

.checkbox-card input:checked + .checkbox-content:hover {
  border-color: var(--red);
}

.checkbox-icon { font-size: 1.5rem; flex-shrink: 0; }

.checkbox-label {
  font-weight: 600;
  font-size: 0.95rem;
  display: block;
  color: var(--gray-800);
}

.checkbox-detail {
  font-size: 0.8rem;
  color: var(--gray-500);
  display: block;
  margin-top: 2px;
}

/* Consent */
.consent-group { margin-top: 4px; }

.consent-label {
  display: flex !important;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.85rem !important;
  color: var(--gray-500) !important;
  line-height: 1.5;
}

.consent-label input {
  width: auto !important;
  margin-top: 3px;
  flex-shrink: 0;
}

/* Success state */
.form-success {
  text-align: center;
  padding: 40px 20px;
}

.success-icon { font-size: 3rem; margin-bottom: 16px; }
.form-success h3 { margin-bottom: 12px; color: #16A34A; }
.form-success p { color: var(--gray-600); margin-bottom: 8px; }
.success-detail { font-size: 0.875rem; color: var(--gray-400); }

/* === TESTIMONIALS === */
.testimonials {
  padding: 80px 0;
  background: var(--white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  padding: 28px;
  border-radius: var(--radius-xl);
  border: 1px solid var(--gray-100);
  background: var(--gray-50);
}

.stars { margin-bottom: 12px; font-size: 0.9rem; }
.testimonial-card p { font-size: 0.95rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 16px; }
.testimonial-author { font-weight: 600; font-size: 0.875rem; color: var(--gray-800); }

/* === INSURERS === */
.insurers {
  padding: 48px 0;
  background: var(--gray-50);
}

.insurers-label {
  text-align: center;
  color: var(--gray-400);
  font-size: 0.875rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}

.insurers-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
  align-items: center;
}

.insurer-logo {
  padding: 12px 20px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  font-weight: 600;
  color: var(--gray-500);
  font-size: 0.9rem;
}

/* === FAQ === */
.faq {
  padding: 80px 0;
  background: var(--white);
}

.faq-list {
  max-width: 640px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--gray-200);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-800);
  cursor: pointer;
  text-align: left;
}

.faq-toggle {
  font-size: 1.3rem;
  color: var(--gray-400);
  transition: transform 0.2s ease;
  flex-shrink: 0;
  margin-left: 16px;
}

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

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

.faq-item.open .faq-answer { max-height: 200px; }

.faq-answer p {
  padding-bottom: 20px;
  color: var(--gray-500);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* === FINAL CTA === */
.final-cta {
  padding: 80px 0;
  background: var(--gray-900);
  text-align: center;
}

.final-cta h2 { color: var(--white); margin-bottom: 16px; }
.final-cta p { color: var(--gray-400); margin-bottom: 32px; font-size: 1.1rem; }

.trust-badges-light .badge { color: var(--gray-400); }

/* === FOOTER === */
.footer {
  padding: 32px 0;
  background: var(--gray-900);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-brand {
  font-weight: 600;
  color: var(--gray-300);
}

.footer-links a {
  color: var(--gray-400);
  text-decoration: none;
  font-size: 0.875rem;
}
.footer-links a:hover { color: var(--white); }
.footer-sep { color: var(--gray-600); margin: 0 8px; }

.footer-legal {
  font-size: 0.8rem;
  color: var(--gray-500);
}

/* === COOKIE BANNER === */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  box-shadow: 0 -4px 12px rgba(0,0,0,0.1);
}

.cookie-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.cookie-inner p { font-size: 0.85rem; color: var(--gray-600); flex: 1; min-width: 200px; }
.cookie-actions { display: flex; gap: 8px; flex-shrink: 0; }

/* === MOBILE RESPONSIVE === */
@media (max-width: 768px) {
  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.5rem; margin-bottom: 32px; }

  .hero { padding: 48px 0 40px; }
  .hero-sub { font-size: 1.05rem; }

  .header-cta { display: none; }

  .benefits-grid { grid-template-columns: 1fr; gap: 16px; }
  .benefit-card { padding: 24px 20px; }

  .steps-grid { flex-direction: column; align-items: center; gap: 12px; }
  .step-arrow { transform: rotate(90deg); }
  .step { max-width: 100%; }

  .audit-card { padding: 32px 24px; }

  .form-wrapper { padding: 24px 20px; }
  .form-row { grid-template-columns: 1fr; gap: 12px; }

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

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

  .progress-step span { font-size: 0.65rem; }
  .progress-dot { width: 28px; height: 28px; font-size: 0.75rem; }

  .benefits, .how-it-works, .audit-section, .form-section,
  .testimonials, .faq, .final-cta { padding: 56px 0; }

  .insurers-grid { gap: 12px; }
  .insurer-logo { padding: 8px 14px; font-size: 0.8rem; }

  .cookie-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  h1 { font-size: 1.5rem; }
  .trust-badges { gap: 12px; }
  .badge { font-size: 0.75rem; }

  .checkbox-content { padding: 12px 14px; gap: 10px; }
  .checkbox-icon { font-size: 1.3rem; }
}