.hero {
    height: 60vh;
    background: linear-gradient(rgba(26, 42, 58, 0.6), rgba(26, 42, 58, 0.6)), 
                url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?ixlib=rb-4.0.3&auto=format&fit=crop&w=2000&q=80');
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    color: white;
}

.hero-content h1 {
    font-family: 'Playfair Display', serif;
    font-size: 4rem;
    margin-bottom: 20px;
    font-weight: 700;
}

.hero-content p {
    font-size: 1.4rem;
    max-width: 700px;
    margin: 0 auto 40px;
    opacity: 0.95;
}

.hero-cta {
    display: inline-block;
    background: #b38e5d;
    color: white;
    padding: 18px 45px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 700;
    font-size: 1.1rem;
    letter-spacing: 1px;
    transition: all 0.3s ease;
    box-shadow: 0 10px 25px rgba(179, 142, 93, 0.3);
}

.hero-cta:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(179, 142, 93, 0.4);
}

.container {
    max-width: 1300px;
    margin: 0 auto;
    padding: 80px 20px;
}

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem;
    color: #1a2a3a;
    margin-bottom: 20px;
    text-align: center;
    font-weight: 700;
}

.section-subtitle {
    font-size: 1.2rem;
    color: #666;
    text-align: center;
    max-width: 800px;
    margin: 0 auto 60px;
}

.coverage-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
    margin-bottom: 80px;
}

.coverage-card {
    background: white;
    border-radius: 20px;
    padding: 40px 30px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    transition: all 0.4s ease;
    text-align: center;
}

.coverage-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
}

.coverage-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #b38e5d 0%, #a57e4d 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 25px;
    font-size: 2rem;
    color: white;
}

.coverage-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.6rem;
    color: #1a2a3a;
    margin-bottom: 15px;
    font-weight: 700;
}

.coverage-card p {
    color: #666;
    line-height: 1.8;
    margin-bottom: 20px;
}

.coverage-amount {
    font-size: 1.3rem;
    font-weight: 700;
    color: #b38e5d;
}

.plans-section {
    margin-bottom: 80px;
}

.plans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.plan-card {
    background: white;
    border-radius: 20px;
    padding: 40px 30px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    transition: all 0.4s ease;
    border: 3px solid transparent;
    position: relative;
}

.plan-card.featured {
    background: linear-gradient(135deg, #1a2a3a 0%, #2d3e50 100%);
    color: white;
    transform: scale(1.05);
    border-color: #b38e5d;
}

.plan-badge {
    position: absolute;
    top: -15px;
    right: 30px;
    background: #b38e5d;
    color: white;
    padding: 8px 20px;
    border-radius: 20px;
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 1px;
}

.plan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
}

.plan-card.featured:hover {
    transform: translateY(-10px) scale(1.05);
}

.plan-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    margin-bottom: 15px;
    font-weight: 700;
}

.plan-price {
    font-size: 3rem;
    font-weight: 700;
    color: #b38e5d;
    margin: 20px 0;
}

.plan-card.featured .plan-price {
    color: #b38e5d;
}

.plan-duration {
    font-size: 1rem;
    opacity: 0.8;
    margin-bottom: 30px;
}

.plan-features {
    list-style: none;
    margin-bottom: 30px;
    text-align: left;
}

.plan-features li {
    padding: 12px 0;
    border-bottom: 1px solid rgba(0,0,0,0.1);
    display: flex;
    align-items: center;
}

.plan-card.featured .plan-features li {
    border-bottom-color: rgba(255,255,255,0.2);
}

.plan-features i {
    color: #b38e5d;
    margin-right: 12px;
    font-size: 1.1rem;
}

.plan-cta {
    display: block;
    background: #b38e5d;
    color: white;
    padding: 15px 35px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 700;
    text-align: center;
    transition: all 0.3s ease;
}

.plan-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(179, 142, 93, 0.3);
}

.why-choose {
    background: white;
    border-radius: 25px;
    padding: 60px;
    margin-bottom: 80px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-top: 40px;
}

.benefit-item {
    display: flex;
    gap: 20px;
}

.benefit-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #b38e5d 0%, #a57e4d 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: white;
    font-size: 1.3rem;
}

.benefit-content h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.3rem;
    color: #1a2a3a;
    margin-bottom: 8px;
}

.benefit-content p {
    color: #666;
    line-height: 1.7;
}

.quote-form {
    background: white;
    border-radius: 25px;
    padding: 60px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
}

.form-group {
    margin-bottom: 30px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
}

label {
    display: block;
    font-weight: 600;
    margin-bottom: 10px;
    color: #1a2a3a;
}

input, select, textarea {
    width: 100%;
    padding: 15px;
    border: 2px solid #e0e0e0;
    border-radius: 10px;
    font-family: 'Montserrat', sans-serif;
    font-size: 1rem;
    transition: border-color 0.3s;
}

input:focus, select:focus, textarea:focus {
    outline: none;
    border-color: #b38e5d;
}

.submit-btn {
    background: linear-gradient(135deg, #b38e5d 0%, #a57e4d 100%);
    color: white;
    padding: 18px 50px;
    border: none;
    border-radius: 50px;
    font-size: 1.1rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s ease;
    letter-spacing: 1px;
    text-transform: uppercase;
}

.submit-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(179, 142, 93, 0.4);
}

@media (max-width: 768px) {
    .hero-content h1 {
        font-size: 2.5rem;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .plans-grid {
        grid-template-columns: 1fr;
    }
    
    .plan-card.featured {
        transform: scale(1);
    }
    
    .why-choose, .quote-form {
        padding: 40px 25px;
    }
    
    .nav-links {
        display: none;
    }
}