:root {
  --accent: #c2410c;
  --ink: #0f172a;
  --muted: #475569;
  --paper: #f8fafc;
  --card: #ffffff;
  --navy: #1e293b;
  --blue: #e0f2fe;
  --line: #e2e8f0;
  --coral: #c2410c;
  --coral-light: #fff7ed;
  --coral-border: #fed7aa;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}
main {
  width: min(1180px, calc(100% - 32px));
  margin: auto;
  padding: 24px 0 90px;
}

.hero {
  display: grid;
  grid-template-columns: 1.5fr .6fr;
  gap: 40px;
  align-items: end;
  margin: 32px 0 46px;
}
.hero > p {
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.7;
}
h1, h2, h3, h4, p { margin-top: 0; }
h1 {
  margin: 0;
  font: 600 clamp(2.4rem, 5vw, 4.2rem) / 1.05 system-ui, sans-serif;
  letter-spacing: -0.03em;
  color: var(--ink);
}
h1 em {
  color: var(--coral);
  font-style: normal;
  font-weight: 700;
}

.lens {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: var(--card);
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.05);
}
.lens > header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 30px;
  border-bottom: 1px solid var(--line);
}
.lens > header h2 {
  margin: 0;
  font-size: 1.65rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.demo-chip {
  padding: 6px 14px;
  border-radius: 99px;
  color: #0369a1;
  background: var(--blue);
  font-size: 0.75rem;
  font-weight: 700;
}

/* Balanced alert container without harsh side-tabs */
.notice {
  margin: 20px 30px 0;
  padding: 16px 20px;
  border: 1px solid var(--coral-border);
  background: var(--coral-light);
  border-radius: 12px;
}
.notice strong {
  font-size: 0.88rem;
  color: #9a3412;
}
.notice p {
  margin: 6px 0 0;
  color: #7c2d12;
  font-size: 0.85rem;
  line-height: 1.55;
}

.tabs {
  display: flex;
  gap: 8px;
  padding: 20px 30px 0;
  border-bottom: 1px solid var(--line);
  overflow-x: auto;
}
.tabs button {
  padding: 12px 18px;
  border: 0;
  border-bottom: 3px solid transparent;
  color: var(--muted);
  background: transparent;
  font: 700 0.9rem inherit;
  cursor: pointer;
  white-space: nowrap;
  transition: all 0.15s ease;
}
.tabs button:hover {
  color: var(--navy);
}
.tabs button[aria-selected=true] {
  border-color: var(--coral);
  color: var(--ink);
  font-weight: 800;
}
[role=tabpanel] {
  padding: 28px 30px;
}

.section-head {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  align-items: end;
  margin-bottom: 22px;
}
.section-head h2 {
  margin: 0;
  font-size: 1.6rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.section-head h3 {
  margin: 0;
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.section-head > p {
  max-width: 440px;
  margin: 0;
  color: var(--muted);
  font-size: 0.85rem;
  line-height: 1.55;
}

/* Interactive Calculators Layout */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 24px;
  align-items: start;
}
.calc-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: #ffffff;
  padding: 24px;
  border-radius: 16px;
  border: 1px solid var(--line);
}
.calc-form label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
}
.calc-form input,
.calc-form select {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  font: inherit;
  font-size: 0.9rem;
  color: var(--ink);
  background: #ffffff;
  margin-top: 3px;
  box-sizing: border-box;
}
.calc-form input:focus,
.calc-form select:focus {
  outline: none;
  border-color: #38bdf8;
  box-shadow: 0 0 0 3px rgba(56, 189, 248, 0.18);
}
.calc-form small {
  display: block;
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 3px;
}
.two-col-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.quick-chips-row {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 6px;
}
.quick-chip-btn {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #f8fafc;
  color: var(--muted);
  cursor: pointer;
  transition: all 0.15s ease;
  font-family: inherit;
}
.quick-chip-btn:hover {
  background: #e0f2fe;
  color: #0369a1;
  border-color: #bae6fd;
}

.calc-result-card {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 24px;
}
.stat-highlight {
  display: flex;
  flex-direction: column;
  padding: 16px 18px;
  border-radius: 12px;
  background: #fff7ed;
  border: 1px solid #fed7aa;
  margin-bottom: 12px;
}
.stat-highlight.accent {
  background: #f0f9ff;
  border-color: #bae6fd;
}
.stat-highlight span.label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #9a3412;
}
.stat-highlight.accent span.label {
  color: #0369a1;
}
.stat-highlight strong.value {
  font-size: 2.1rem;
  font-weight: 800;
  color: #c2410c;
  margin-top: 4px;
  line-height: 1.1;
}
.stat-highlight.accent strong.value {
  color: #0c4a6e;
}
.stat-highlight small.sub {
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 4px;
}

.trap-warning {
  padding: 14px 16px;
  border-radius: 10px;
  background: #fefce8;
  border: 1px solid #fef08a;
  font-size: 0.82rem;
  line-height: 1.55;
  color: #854d0e;
  margin-top: 14px;
}
.fail-warning {
  background: #fef2f2 !important;
  border-color: #fecaca !important;
  color: #991b1b !important;
}
.pass-warning {
  background: #f0fdf4 !important;
  border-color: #bbf7d0 !important;
  color: #166534 !important;
}

/* Plan Comparison Cards Grid */
.plans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(260px, 100%), 1fr));
  gap: 18px;
  margin-top: 12px;
}
.plan-card {
  display: flex;
  flex-direction: column;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 22px;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.plan-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
}
.plan-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 8px;
  margin-bottom: 12px;
}
.plan-head h4 {
  margin: 0 0 4px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--ink);
}
.plan-sub {
  font-size: 0.75rem;
  color: var(--muted);
}

.plan-premium-box {
  background: #f8fafc;
  border: 1px solid #f1f5f9;
  border-radius: 12px;
  padding: 12px 14px;
  margin-bottom: 14px;
}
.prem-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 700;
  letter-spacing: 0.04em;
  display: block;
}
.prem-value {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-top: 2px;
}
.prem-value small {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--muted);
}
.prem-note {
  font-size: 0.75rem;
  color: var(--muted);
  display: block;
  margin-top: 4px;
}

.plan-features {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
  font-size: 0.85rem;
  color: var(--ink);
  line-height: 1.55;
  flex-grow: 1;
}
.plan-features li {
  padding: 6px 0;
  border-bottom: 1px solid #f1f5f9;
}
.plan-features li:last-child {
  border-bottom: none;
}

.plan-footer {
  border-top: 1px solid var(--line);
  padding-top: 12px;
  font-size: 0.75rem;
  color: var(--muted);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.badge-tag {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 6px;
  background: #e0f2fe;
  color: #0369a1;
  font-weight: 700;
  font-size: 0.75rem;
  margin-top: 6px;
  align-self: flex-start;
}

/* Policy Compare Section */
.compare-controls-bar {
  display: flex;
  flex-direction: column;
  gap: 16px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 20px 24px;
  margin-bottom: 24px;
}
.compare-segment-toggle {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.compare-toggle-btn {
  padding: 10px 20px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #f8fafc;
  color: var(--muted);
  font: 700 0.88rem inherit;
  cursor: pointer;
  transition: all 0.15s ease;
}
.compare-toggle-btn:hover {
  background: #f1f5f9;
  color: var(--ink);
}
.compare-toggle-btn.active {
  background: var(--navy);
  color: #ffffff;
  border-color: var(--navy);
}
.compare-plan-selector-box {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.compare-selector-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.compare-checkbox-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.compare-checkbox-item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 10px;
  font-size: 0.82rem;
  cursor: pointer;
  transition: all 0.15s ease;
  user-select: none;
}
.compare-checkbox-item:hover {
  border-color: #94a3b8;
}
.compare-checkbox-item.checked {
  background: #f0fdf4;
  border-color: #86efac;
  color: #14532d;
  font-weight: 700;
}
.compare-checkbox-item input {
  cursor: pointer;
  margin: 0;
}

/* Compare Matrix Table & Cards */
.compare-matrix-wrap {
  overflow-x: auto;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 12px;
}
.compare-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  text-align: left;
}
.compare-table th,
.compare-table td {
  padding: 16px 20px;
  border-bottom: 1px solid #f1f5f9;
  vertical-align: top;
}
.compare-metric-col {
  width: 240px;
  min-width: 200px;
  background: #f8fafc;
  border-right: 1px solid var(--line);
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--ink);
}
.compare-metric-col small {
  display: block;
  font-weight: 500;
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 3px;
}
.compare-plan-col {
  min-width: 240px;
  font-size: 0.85rem;
  color: var(--ink);
  line-height: 1.5;
}
.compare-table tr:last-child th,
.compare-table tr:last-child td {
  border-bottom: none;
}

/* Plan Header inside Table */
.compare-header-cell {
  background: #ffffff;
  border-bottom: 2px solid var(--line) !important;
  padding-bottom: 20px !important;
}
.compare-header-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.compare-plan-name {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ink);
}
.compare-insurer-name {
  font-size: 0.78rem;
  color: var(--muted);
}
.compare-price-pill {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--coral);
  margin-top: 4px;
}
.compare-price-pill small {
  font-size: 0.75rem;
  color: var(--muted);
  font-weight: 500;
}
.compare-badges-row {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
  margin-top: 4px;
}
.winner-badge {
  font-size: 0.75rem;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 6px;
}
.winner-badge.winner {
  background: #fef08a;
  color: #854d0e;
  border: 1px solid #fde047;
}
.winner-badge.price {
  background: #dcfce7;
  color: #15803d;
  border: 1px solid #bbf7d0;
}
.winner-badge.ratio {
  background: #e0f2fe;
  color: #0369a1;
  border: 1px solid #bae6fd;
}
.winner-badge.feature {
  background: #f0fdfa;
  color: #0f766e;
  border: 1px solid #99f6e4;
}
.winner-badge.speed {
  background: #ffedd5;
  color: #c2410c;
  border: 1px solid #fed7aa;
}
.winner-badge.network, .winner-badge.safety {
  background: #f1f5f9;
  color: #334155;
  border: 1px solid #e2e8f0;
}

.cell-winner {
  background: #f0fdf4;
}
.winner-dot {
  display: inline-block;
  color: #16a34a;
  font-weight: 800;
  margin-right: 4px;
}

/* Ensure sponsored badge meets 11px+ floor */
.ad-badge {
  font-size: 0.75rem !important;
  color: var(--muted) !important;
}

@media (max-width: 850px) {
  .hero { grid-template-columns: 1fr; gap: 16px; }
  .section-head { display: block; }
  .section-head > p { margin-top: 8px; }
  .calc-grid { grid-template-columns: 1fr; }
  .two-col-inputs { grid-template-columns: 1fr; }
  .traps-grid { grid-template-columns: 1fr; }
}

@media (max-width: 420px) {
  main { width: calc(100% - 20px); padding-top: 16px; }
  .lens > header { padding: 18px 20px; align-items: flex-start; gap: 10px; }
  .notice { margin: 16px 20px 0; }
  .tabs { padding: 16px 20px 0; }
  [role=tabpanel] { padding: 20px 16px; }
}