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

:root {
  --bg: #f8f6f1;
  --bg-alt: #f0ece4;
  --fg: #111110;
  --fg-muted: #6b6860;
  --accent: #1a6b3c;
  --accent-light: #e8f3ec;
  --accent-mid: #2d8a52;
  --amber: #c97d0a;
  --amber-light: #fef3dc;
  --navy: #1a1a2e;
  --navy-light: #f0eff8;
  --border: #ddd9d0;
  --radius: 6px;
  --radius-lg: 12px;
}

body {
  background: var(--bg);
  color: var(--fg);
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* NAV */
.nav {
  padding: 20px 40px;
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 16px;
}
.nav-logo {
  font-family: 'DM Serif Display', serif;
  font-size: 20px;
  color: var(--fg);
}
.nav-badge {
  font-size: 12px;
  color: var(--accent);
  background: var(--accent-light);
  padding: 3px 10px;
  border-radius: 20px;
  font-weight: 500;
}

/* HERO */
.hero {
  padding: 80px 40px 60px;
}
.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-kicker {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 20px;
}
.hero-headline {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1.05;
  color: var(--navy);
  margin-bottom: 24px;
}
.hero-lede {
  font-size: 18px;
  color: var(--fg-muted);
  max-width: 440px;
  line-height: 1.7;
}

/* Split Card Widget */
.hero-widget {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.split-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: 0 2px 20px rgba(0,0,0,0.06);
}
.split-header {
  margin-bottom: 16px;
}
.split-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--fg-muted);
  letter-spacing: 0.03em;
}
.split-bar {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-radius: 8px;
  overflow: hidden;
  height: 52px;
  margin-bottom: 16px;
}
.split-segment {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
}
.split-insurer {
  background: var(--navy);
  color: white;
}
.split-customer {
  background: var(--accent);
  color: white;
}
.split-segment-label {
  font-size: 10px;
  opacity: 0.7;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.split-segment-val {
  font-size: 18px;
  font-weight: 600;
}
.split-footer {}
.split-note {
  font-size: 13px;
  color: var(--fg-muted);
  font-style: italic;
}

/* Hero Stats */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: white;
}
.stat {
  padding: 20px 24px;
  text-align: center;
  border-right: 1px solid var(--border);
}
.stat:last-child { border-right: none; }
.stat-val {
  display: block;
  font-family: 'DM Serif Display', serif;
  font-size: 26px;
  color: var(--navy);
}
.stat-label {
  display: block;
  font-size: 11px;
  color: var(--fg-muted);
  margin-top: 4px;
}

/* PROOF BAR */
.proof {
  background: var(--navy);
  padding: 18px 40px;
}
.proof-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.proof-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.85);
  font-size: 14px;
}
.proof-icon {
  color: var(--accent-mid);
  display: flex;
  align-items: center;
}

/* SECTIONS */
.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(28px, 3vw, 42px);
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.1;
}
.section-sub {
  color: var(--fg-muted);
  font-size: 17px;
  max-width: 560px;
  margin-bottom: 48px;
}

/* HOW */
.how {
  padding: 80px 40px;
  background: white;
}
.how-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.how-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.how-card {
  padding: 28px;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--bg);
}
.how-icon {
  color: var(--accent);
  margin-bottom: 16px;
}
.how-card h3 {
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--navy);
}
.how-card p {
  font-size: 14px;
  color: var(--fg-muted);
  line-height: 1.6;
}

/* SPLIT SECTION */
.split-section {
  padding: 80px 40px;
  background: var(--navy-light);
}
.split-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  align-items: start;
}

/* Example Cards */
.example-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 48px;
}
.example-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  position: relative;
}
.example-provider {
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 6px;
}
.example-cover {
  font-size: 12px;
  color: var(--fg-muted);
  margin-bottom: 16px;
}
.example-price-old {
  font-size: 15px;
  color: var(--fg-muted);
  text-decoration: line-through;
}
.example-price-new {
  font-family: 'DM Serif Display', serif;
  font-size: 26px;
  color: var(--navy);
}
.example-save {
  font-size: 13px;
  color: var(--accent);
  font-weight: 600;
  margin-top: 8px;
}
.example-badge {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--amber);
  color: white;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
}

/* Math Blocks */
.split-math {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.math-block {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}
.math-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fg-muted);
  margin-bottom: 16px;
}
.math-row {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  padding: 8px 0;
  border-bottom: 1px solid var(--bg-alt);
}
.math-val {
  font-weight: 600;
}
.math-negative { color: var(--fg-muted); }
.math-split { color: var(--accent); }
.math-result {
  font-weight: 700;
  font-size: 15px;
  padding-top: 12px;
}
.math-wrong .math-result { color: #b94040; }
.math-right .math-result { color: var(--accent); }

/* CATEGORIES */
.categories {
  padding: 80px 40px;
  background: white;
}
.categories-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.cat-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
}
.cat-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  text-align: center;
  background: var(--bg);
  transition: border-color 0.2s, background 0.2s;
  cursor: default;
}
.cat-card:hover {
  border-color: var(--accent);
  background: var(--accent-light);
}
.cat-icon {
  color: var(--navy);
  margin-bottom: 12px;
  display: flex;
  justify-content: center;
}
.cat-name {
  font-weight: 600;
  font-size: 14px;
  color: var(--navy);
}

/* CLOSING */
.closing {
  padding: 100px 40px;
  background: var(--navy);
  text-align: center;
}
.closing-inner {}
.closing-quote {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(22px, 3vw, 34px);
  color: rgba(255,255,255,0.9);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.4;
  font-style: italic;
}

/* FOOTER */
.footer {
  padding: 48px 40px;
  background: var(--bg-alt);
  border-top: 1px solid var(--border);
}
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.footer-brand {
  margin-bottom: 16px;
}
.footer-name {
  font-family: 'DM Serif Display', serif;
  font-size: 18px;
  display: block;
  margin-bottom: 4px;
}
.footer-tagline {
  font-size: 13px;
  color: var(--fg-muted);
}
.footer-links {
  display: flex;
  gap: 24px;
  font-size: 13px;
  color: var(--fg-muted);
  margin-bottom: 16px;
  flex-wrap: wrap;
}
.footer-legal {
  font-size: 12px;
  color: var(--fg-muted);
  max-width: 600px;
  line-height: 1.6;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .split-inner { grid-template-columns: 1fr; }
  .how-grid { grid-template-columns: repeat(2, 1fr); }
  .cat-grid { grid-template-columns: repeat(3, 1fr); }
  .example-row { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .hero { padding: 48px 24px 40px; }
  .proof { padding: 14px 24px; }
  .proof-inner { gap: 20px; }
  .how, .split-section, .categories { padding: 48px 24px; }
  .how-grid { grid-template-columns: 1fr; }
  .cat-grid { grid-template-columns: repeat(2, 1fr); }
  .nav { padding: 16px 24px; }
  .closing { padding: 64px 24px; }
  .footer { padding: 32px 24px; }
}