/* Design Tokens & CSS Variables */
:root {
  --primary-navy: #003764; /* Bupa Dark Navy */
  --primary-navy-light: #004B87;
  --accent-teal: #0079C8; /* Bupa Blue */
  --accent-teal-dark: #005A9C;
  --accent-mint: #00B0FF; /* Bupa Sky Blue */
  --text-dark: #333333;
  --text-muted: #666666;
  --bg-light: #F4F4F4; /* Bupa Light Background */
  --bg-white: #FFFFFF;
  --border-color: #E6E6E6;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 2px 4px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 16px rgba(0,0,0,0.1);
  --shadow-premium: var(--shadow-sm);
  --radius-sm: 4px;
  --radius-md: 4px;
  --radius-lg: 4px;
  --transition: all 0.2s ease-in-out;
  --font-heading: Arial, Helvetica, sans-serif;
  --font-body: Arial, Helvetica, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-light);
  color: var(--text-dark);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

/* Typography styles */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--primary-navy);
  font-weight: 700; /* Reverted to standard Bupa bold weights */
  line-height: 1.22;
  letter-spacing: normal;
}

h1 {
  font-weight: 800;
  letter-spacing: normal;
}

/* Utility buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 26px;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: normal;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
}

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

.btn-primary:hover {
  background-color: var(--accent-teal-dark);
}

.btn-secondary {
  background-color: transparent;
  border-color: var(--accent-teal);
  color: var(--accent-teal);
}

.btn-secondary:hover {
  background-color: rgba(0, 121, 200, 0.08);
}

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

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

.btn-outline-white {
  background-color: transparent;
  border-color: var(--bg-white);
  color: var(--bg-white);
}

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

.btn-large {
  padding: 14px 32px;
  font-size: 16px;
  border-radius: var(--radius-md);
}

.w-full {
  width: 100%;
}

.text-center {
  text-align: center;
}

.hidden {
  display: none !important;
}

/* Announcement Topbar */
.top-announcement {
  background-color: var(--primary-navy);
  color: var(--bg-white);
  font-size: 13px;
  padding: 10px 0;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.announcement-link {
  color: var(--accent-mint);
  text-decoration: none;
  font-weight: 700;
  margin-left: 8px;
  transition: var(--transition);
}

.announcement-link:hover {
  text-decoration: underline;
}

/* Main Navigation Header */
.main-header {
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid var(--border-color);
  padding: 16px 0;
  transition: var(--transition);
}

.header-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.brand-logo {
  height: 48px;
  width: auto;
  display: block;
}

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

.nav-item {
  color: var(--primary-navy);
  font-family: var(--font-heading);
  text-decoration: none;
  font-size: 14.5px;
  font-weight: 500; /* Lighter weight, not too heavy/blocky */
  letter-spacing: 0.2px;
  transition: var(--transition);
  position: relative;
  padding: 8px 0;
}

.nav-item::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--accent-teal);
  transition: var(--transition);
}

.nav-item:hover {
  color: var(--accent-teal);
}

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

.header-actions {
  display: flex;
  gap: 12px;
}

/* Mobile Toggle */
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 26px;
  height: 18px;
  background: transparent;
  border: none;
  cursor: pointer;
  z-index: 1001;
}

.mobile-menu-toggle span {
  display: block;
  width: 100%;
  height: 2.5px;
  background-color: var(--primary-navy);
  border-radius: 4px;
  transition: var(--transition);
}

/* Mobile Nav Styles */
.mobile-nav {
  display: none;
  position: fixed;
  top: 135px; /* Offset to fit normal header view */
  left: 0;
  width: 100%;
  background: var(--bg-white);
  border-bottom: 1px solid var(--border-color);
  padding: 24px;
  z-index: 999;
  box-shadow: var(--shadow-lg);
  transform: translateY(-20px);
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}

.mobile-nav.open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: all;
  display: block;
}

.mobile-nav-item {
  display: block;
  padding: 14px 0;
  font-size: 16px;
  color: var(--primary-navy);
  text-decoration: none;
  font-weight: 600;
  border-bottom: 1px solid var(--border-color);
}

.mobile-nav-item:last-of-type {
  border-bottom: none;
}

.mobile-nav-actions {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Hero Section Styles */
.hero-section {
  position: relative;
  height: 520px;
  overflow: hidden;
  background-color: var(--primary-navy);
}

.slider-wrapper {
  position: relative;
  width: 100%;
  height: 100%;
}

.slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  opacity: 0;
  z-index: 1;
  transition: opacity 0.8s ease-in-out;
  display: flex;
  align-items: center;
}

.slide.active {
  opacity: 1;
  z-index: 2;
}

.slide-content {
  color: var(--bg-white);
  z-index: 3;
  max-width: 650px;
  transform: translateY(20px);
  transition: transform 0.8s ease-in-out;
}

.slide.active .slide-content {
  transform: translateY(0);
}

.slide-badge {
  display: inline-block;
  background-color: rgba(0, 121, 200, 0.2);
  color: var(--accent-mint);
  padding: 6px 14px;
  font-size: 13px;
  font-weight: 700;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.slide-title {
  font-size: 46px;
  line-height: 1.15;
  margin-bottom: 20px;
  color: var(--bg-white);
}

.slide-description {
  margin-bottom: 32px;
  font-weight: 400;
}

/* Slider Controls */
.slider-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  background: rgba(255, 255, 255, 0.1);
  color: var(--bg-white);
  border: none;
  font-size: 24px;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(5px);
}

.slider-btn:hover {
  background: var(--accent-teal);
}

.prev-btn {
  left: 24px;
}

.next-btn {
  right: 24px;
}

/* Slider Indicators */
.slider-indicators {
  position: absolute;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: 12px;
}

.indicator {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.3);
  cursor: pointer;
  transition: var(--transition);
}

.indicator.active {
  background: var(--accent-teal);
  width: 28px;
  border-radius: 6px;
}

/* Interactive Quote Simulator Widget */
.quote-widget-section {
  position: relative;
  z-index: 20;
  margin-top: -50px; /* Overlap effect */
  padding-bottom: 40px;
}

.quote-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-premium);
  padding: 40px;
  border: 1px solid rgba(11, 25, 44, 0.05);
}

.quote-header {
  margin-bottom: 30px;
  border-bottom: 1px solid var(--border-color);
  padding-bottom: 20px;
}

.quote-header h2 {
  font-size: 26px;
  margin-bottom: 8px;
}

.quote-header p {
  color: var(--text-muted);
  font-size: 15px;
}

.wizard-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 30px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group label {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 600;
  color: var(--primary-navy);
}

.form-group select,
.form-group input {
  padding: 14px 16px;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-dark);
  background-color: var(--bg-light);
  outline: none;
  transition: var(--transition);
}

.form-group select:focus,
.form-group input:focus {
  border-color: var(--accent-teal);
  background-color: var(--bg-white);
  box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.1);
}

.price-display-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: #F1F5F9;
  padding: 24px 32px;
  border-radius: var(--radius-md);
  flex-wrap: wrap;
  gap: 20px;
}

.price-box {
  display: flex;
  flex-direction: column;
}

.price-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.price-value {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 800;
  color: var(--accent-teal-dark);
  line-height: 1;
  margin: 4px 0;
}

.price-subtext {
  font-size: 13px;
  color: var(--text-muted);
}

/* Products Cards Section */
.section-padding {
  padding: 80px 0;
}

.section-title-wrapper {
  max-width: 700px;
  margin: 0 auto 60px auto;
}

.section-subtitle {
  display: inline-block;
  color: var(--accent-teal-dark);
  font-family: var(--font-heading);
  font-weight: 700;
  text-transform: uppercase;
  font-size: 13px;
  letter-spacing: 1px;
  margin-bottom: 12px;
}

.section-title-wrapper h2 {
  font-size: 36px;
  margin-bottom: 16px;
}

.section-desc {
  color: var(--text-muted);
  font-size: 16px;
}

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

/* Trust Section Styles */
.trust-section {
  background-color: var(--bg-light);
}

.trust-card {
  background: transparent;
  padding: 24px;
}

.trust-icon {
  font-size: 40px;
  margin-bottom: 20px;
  color: var(--accent-teal);
}

.trust-card h3 {
  font-size: 20px;
  color: var(--primary-navy);
  margin-bottom: 12px;
  font-weight: 600;
}

.trust-card p {
  color: var(--text-dark);
  font-size: 14.5px;
  line-height: 1.6;
}

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

.product-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-color);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  height: 100%;
  position: relative;
}

.product-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-teal);
}

.product-card-image {
  height: 200px;
  background-size: cover;
  background-position: center;
  position: relative;
}

.product-card-body {
  padding: 32px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.product-card h3 {
  font-size: 22px;
  margin-bottom: 14px;
}

.product-card p {
  color: var(--text-muted);
  font-size: 15px;
  margin-bottom: 24px;
  line-height: 1.6;
}

.product-price-info {
  background-color: var(--bg-light);
  padding: 16px 20px;
  border-radius: var(--radius-md);
  margin-bottom: 24px;
}

.price-from {
  font-size: 12px;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 600;
}

.price-row {
  display: flex;
  align-items: baseline;
  gap: 8px;
  margin-top: 4px;
}

.price-main {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 800;
  color: var(--primary-navy);
}

.price-uf {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

.product-perks {
  list-style: none;
  margin-bottom: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.product-perks li {
  font-size: 14px;
  color: var(--text-dark);
  position: relative;
  padding-left: 26px;
}

.product-perks li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--accent-teal);
  font-weight: bold;
  font-size: 16px;
}

/* Highlighted pyme card */
.product-card.highlighted {
  border: 2px solid var(--accent-teal);
  box-shadow: var(--shadow-md);
}

.badge-card-highlight {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--accent-teal);
  color: var(--bg-white);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 12px;
  font-weight: 700;
  font-family: var(--font-heading);
  z-index: 10;
}

/* Benefits Section & Flex row */
.align-center {
  align-items: center;
}

.grid-2-cols {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 60px;
}

.benefits-visual {
  position: relative;
}

.benefit-img-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.benefit-main-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  display: block;
}

.floating-benefit-badge {
  position: absolute;
  bottom: 30px;
  right: 30px;
  background: rgba(11, 25, 44, 0.95);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px;
  border-radius: var(--radius-md);
  color: var(--bg-white);
  max-width: 200px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  box-shadow: var(--shadow-lg);
}

.fbb-number {
  font-family: var(--font-heading);
  font-size: 32px;
  font-weight: 800;
  color: var(--accent-mint);
  line-height: 1;
}

.fbb-text {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.85);
  font-weight: 600;
}

.features-list {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-top: 36px;
}

.feature-item-row {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.feature-icon {
  background: rgba(16, 185, 129, 0.1);
  color: var(--accent-teal);
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.feature-text-block h4 {
  font-size: 18px;
  margin-bottom: 4px;
}

.feature-text-block p {
  font-size: 14.5px;
  color: var(--text-muted);
}

/* Call to Action Banner */
.cta-banner-section {
  background-color: var(--primary-navy);
  background-image: linear-gradient(135deg, var(--primary-navy) 20%, var(--primary-navy-light) 100%);
  color: var(--bg-white);
  padding: 80px 0;
  position: relative;
}

.cta-banner-section h2 {
  color: var(--bg-white);
  font-size: 36px;
  margin-bottom: 16px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.cta-banner-section p {
  font-size: 18px;
  max-width: 600px;
  margin: 0 auto 36px auto;
  color: rgba(255, 255, 255, 0.85);
}

.cta-actions {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
}

/* Footer Section Styles */
.main-footer {
  background-color: #08101E;
  color: rgba(255, 255, 255, 0.7);
  padding: 80px 0 30px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 14.5px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  margin-bottom: 60px;
}

.footer-brand-logo {
  height: 48px;
  width: auto;
  margin-bottom: 24px;
  filter: brightness(0) invert(1);
}

.brand-col p {
  line-height: 1.7;
  max-width: 320px;
}

.footer-col h4 {
  color: var(--bg-white);
  font-size: 16px;
  margin-bottom: 24px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col ul a {
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  transition: var(--transition);
}

.footer-col ul a:hover {
  color: var(--accent-mint);
  padding-left: 4px;
}

.contact-col p {
  line-height: 1.6;
  margin-bottom: 20px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 24px;
}

.contact-detail-item {
  display: flex;
  align-items: center;
  gap: 12px;
}

.detail-icon {
  font-size: 18px;
  color: var(--accent-mint);
  width: 24px;
}

.detail-link {
  color: var(--bg-white);
  text-decoration: none;
  font-weight: 600;
  transition: var(--transition);
}

.detail-link:hover {
  text-decoration: underline;
  color: var(--accent-mint);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 30px;
}

.footer-bottom p {
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 8px;
}

.regulated-text {
  font-size: 12px;
  max-width: 800px;
  margin: 0 auto;
}

/* Modal Overlay & Forms */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(11, 25, 44, 0.85);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}

.modal-overlay.open {
  opacity: 1;
  pointer-events: all;
}

.modal-container {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  width: 100%;
  max-width: 500px;
  padding: 40px;
  position: relative;
  transform: scale(0.9);
  transition: var(--transition);
  box-shadow: var(--shadow-lg);
}

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

.modal-close-btn {
  position: absolute;
  top: 20px;
  right: 20px;
  background: none;
  border: none;
  font-size: 32px;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition);
}

.modal-close-btn:hover {
  color: var(--primary-navy);
}

.modal-header {
  margin-bottom: 28px;
}

.modal-header h3 {
  font-size: 24px;
  margin-bottom: 8px;
}

.modal-header p {
  font-size: 14px;
  color: var(--text-muted);
}

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

.checkbox-group {
  flex-direction: row !important;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 24px;
}

.checkbox-group input {
  margin-top: 4px;
}

.checkbox-group label {
  color: var(--text-muted);
  font-size: 13.5px;
  line-height: 1.4;
  font-weight: 400;
}

/* Success State for Form */
.form-success-state {
  text-align: center;
  padding: 20px 0;
}

.success-icon {
  width: 72px;
  height: 72px;
  background-color: rgba(16, 185, 129, 0.1);
  color: var(--accent-teal);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
  margin-bottom: 24px;
}

.form-success-state h4 {
  font-size: 22px;
  margin-bottom: 12px;
}

.form-success-state p {
  color: var(--text-muted);
  margin-bottom: 30px;
}

/* Responsive Grid and Adaptability Rules */
@media (max-width: 1024px) {
  .nav-menu {
    gap: 20px;
  }
}

@media (max-width: 960px) {
  .nav-menu, .header-actions {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
  .products-grid, .grid-3-cols {
    grid-template-columns: repeat(2, 1fr);
  }
  .wizard-grid {
    grid-template-columns: 1fr;
  }
  .grid-2-cols {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .products-grid, .grid-3-cols {
    grid-template-columns: 1fr;
  }
  .footer-grid {
     grid-template-columns: 1fr;
  }
  .price-display-wrapper {
    justify-content: center;
    text-align: center;
  }
  .price-display-wrapper button {
    width: 100%;
  }
  .slide-title {
    font-size: 32px;
  }
  .slide-description {
     font-size: 15px;
  }
}