/* ============================================
   getcheappolicy.online - Main Stylesheet
   ============================================ */

:root {
    --primary: #1a56db;
    --primary-dark: #1e429f;
    --primary-light: #e1effe;
    --accent: #f59e0b;
    --accent-dark: #d97706;
    --text-dark: #111827;
    --text-medium: #374151;
    --text-light: #6b7280;
    --bg-white: #ffffff;
    --bg-light: #f9fafb;
    --bg-blue: #eff6ff;
    --border: #e5e7eb;
    --success: #10b981;
    --success-light: #d1fae5;
    --warning: #f59e0b;
    --warning-light: #fef3c7;
    --danger: #ef4444;
    --radius: 8px;
    --radius-lg: 12px;
    --shadow: 0 1px 3px rgba(0,0,0,0.1);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.07);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
    --transition: all 0.2s ease;
}

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

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    color: var(--text-dark);
    line-height: 1.7;
    background: var(--bg-white);
}

a {
    color: var(--primary);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--primary-dark);
}

img {
    max-width: 100%;
    height: auto;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.narrow {
    max-width: 800px;
}

/* ============================================
   ANNOUNCEMENT BAR
   ============================================ */
.announcement-bar {
    background: var(--primary-dark);
    color: white;
    text-align: center;
    padding: 8px 20px;
    font-size: 13px;
    font-weight: 500;
}

.announcement-bar a {
    color: var(--accent);
    font-weight: 600;
    text-decoration: underline;
}

/* ============================================
   HEADER / NAV
   ============================================ */
.header {
    background: var(--bg-white);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--shadow);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 22px;
    font-weight: 700;
    color: var(--text-dark);
}

.logo-icon {
    width: 40px;
    height: 40px;
    background: var(--primary);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 20px;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 28px;
    align-items: center;
}

.nav-links a {
    color: var(--text-medium);
    font-weight: 500;
    font-size: 15px;
}

.nav-links a:hover {
    color: var(--primary);
}

.nav-cta {
    background: var(--accent) !important;
    color: white !important;
    padding: 10px 20px;
    border-radius: var(--radius);
    font-weight: 600 !important;
}

.nav-cta:hover {
    background: var(--accent-dark) !important;
}

.hamburger {
    display: none;
    background: none;
    border: none;
    font-size: 28px;
    cursor: pointer;
    color: var(--text-dark);
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    background: linear-gradient(135deg, var(--bg-blue) 0%, var(--bg-white) 100%);
    padding: 70px 0;
    text-align: center;
}

.hero h1 {
    font-size: 42px;
    line-height: 1.2;
    margin-bottom: 16px;
    color: var(--text-dark);
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
}

.hero .subtitle {
    font-size: 19px;
    color: var(--text-light);
    max-width: 650px;
    margin: 0 auto 30px;
    line-height: 1.6;
}

.hero-badge {
    display: inline-block;
    background: var(--success-light);
    color: #065f46;
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 20px;
}

.hero-cta-group {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-top: 30px;
}

.hero-stats {
    display: flex;
    justify-content: center;
    gap: 40px;
    margin-top: 45px;
    flex-wrap: wrap;
}

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

.stat-number {
    font-size: 28px;
    font-weight: 700;
    color: var(--primary);
}

.stat-label {
    font-size: 13px;
    color: var(--text-light);
    margin-top: 2px;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-block;
    padding: 14px 28px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 16px;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    text-align: center;
}

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

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

.btn-secondary {
    background: var(--bg-white);
    color: var(--text-dark);
    border: 2px solid var(--border);
}

.btn-secondary:hover {
    border-color: var(--primary);
    color: var(--primary);
}

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

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

.btn-sm {
    padding: 10px 20px;
    font-size: 14px;
}

/* ============================================
   SECTIONS
   ============================================ */
.section {
    padding: 70px 0;
}

.section-light {
    background: var(--bg-light);
}

.section-header {
    text-align: center;
    margin-bottom: 45px;
}

.section-header h2 {
    font-size: 32px;
    margin-bottom: 12px;
    color: var(--text-dark);
}

.section-header p {
    color: var(--text-light);
    font-size: 17px;
    max-width: 600px;
    margin: 0 auto;
}

/* ============================================
   CARDS
   ============================================ */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 28px;
    transition: var(--transition);
}

.card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-3px);
    border-color: var(--primary-light);
}

.card-icon {
    width: 48px;
    height: 48px;
    background: var(--primary-light);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 16px;
}

.card h3 {
    font-size: 18px;
    margin-bottom: 8px;
    color: var(--text-dark);
}

.card p {
    color: var(--text-light);
    font-size: 15px;
    line-height: 1.6;
}

.card a.card-link {
    display: inline-block;
    margin-top: 12px;
    font-weight: 600;
    font-size: 14px;
}

/* ============================================
   ARTICLE LIST
   ============================================ */
.article-list {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 20px;
}

.article-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px;
    transition: var(--transition);
}

.article-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--primary-light);
}

.article-card .tag {
    display: inline-block;
    background: var(--bg-blue);
    color: var(--primary);
    padding: 3px 10px;
    border-radius: 4px;
    font-size: 12px;
    font-weight: 600;
    margin-bottom: 10px;
}

.article-card h3 {
    font-size: 17px;
    margin-bottom: 8px;
    line-height: 1.4;
}

.article-card h3 a {
    color: var(--text-dark);
}

.article-card h3 a:hover {
    color: var(--primary);
}

.article-card p {
    color: var(--text-light);
    font-size: 14px;
    line-height: 1.5;
}

.article-meta {
    display: flex;
    gap: 16px;
    margin-top: 12px;
    font-size: 12px;
    color: var(--text-light);
}

/* ============================================
   CONTENT / ARTICLE STYLES
   ============================================ */
.breadcrumb {
    padding: 16px 0;
    font-size: 14px;
    color: var(--text-light);
}

.breadcrumb a {
    color: var(--text-light);
}

.breadcrumb a:hover {
    color: var(--primary);
}

.article-header {
    padding: 40px 0 30px;
}

.article-header h1 {
    font-size: 36px;
    line-height: 1.25;
    margin-bottom: 16px;
    color: var(--text-dark);
}

.article-meta-bar {
    display: flex;
    gap: 20px;
    font-size: 14px;
    color: var(--text-light);
    flex-wrap: wrap;
}

.article-content {
    padding-bottom: 60px;
}

.article-content h2 {
    font-size: 26px;
    margin: 40px 0 16px;
    color: var(--text-dark);
}

.article-content h3 {
    font-size: 20px;
    margin: 30px 0 12px;
    color: var(--text-dark);
}

.article-content p {
    margin-bottom: 18px;
    color: var(--text-medium);
    font-size: 16px;
}

.article-content ul, .article-content ol {
    margin: 0 0 20px 24px;
    color: var(--text-medium);
}

.article-content li {
    margin-bottom: 8px;
}

.article-content blockquote {
    border-left: 4px solid var(--primary);
    padding: 16px 20px;
    background: var(--bg-blue);
    border-radius: 0 var(--radius) var(--radius) 0;
    margin: 24px 0;
    color: var(--text-medium);
    font-style: italic;
}

.article-content table {
    width: 100%;
    border-collapse: collapse;
    margin: 24px 0;
    font-size: 15px;
}

.article-content th {
    background: var(--bg-light);
    padding: 12px 16px;
    text-align: left;
    font-weight: 600;
    border-bottom: 2px solid var(--border);
}

.article-content td {
    padding: 12px 16px;
    border-bottom: 1px solid var(--border);
}

.article-content tr:hover td {
    background: var(--bg-light);
}

.toc {
    background: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px;
    margin: 24px 0;
}

.toc h3 {
    font-size: 16px;
    margin-bottom: 12px;
    color: var(--text-dark);
}

.toc ol {
    margin: 0 0 0 20px;
}

.toc a {
    color: var(--text-medium);
    font-size: 15px;
}

.toc a:hover {
    color: var(--primary);
}

.disclaimer-box {
    background: var(--warning-light);
    border: 1px solid #fde68a;
    border-radius: var(--radius);
    padding: 16px 20px;
    margin: 24px 0;
    font-size: 14px;
    color: #92400e;
}

.disclaimer-box strong {
    display: block;
    margin-bottom: 4px;
}

/* ============================================
    CTA BOX
   ============================================ */
.cta-box {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: white;
    border-radius: var(--radius-lg);
    padding: 40px;
    text-align: center;
    margin: 40px 0;
}

.cta-box h2 {
    color: white;
    font-size: 26px;
    margin-bottom: 12px;
}

.cta-box p {
    color: rgba(255,255,255,0.9);
    margin-bottom: 24px;
    font-size: 16px;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background: var(--text-dark);
    color: #d1d5db;
    padding: 60px 0 30px;
    margin-top: 60px;
}

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

.footer h4 {
    color: white;
    font-size: 16px;
    margin-bottom: 16px;
}

.footer p {
    font-size: 14px;
    line-height: 1.6;
    color: #9ca3af;
}

.footer ul {
    list-style: none;
}

.footer li {
    margin-bottom: 8px;
}

.footer a {
    color: #9ca3af;
    font-size: 14px;
}

.footer a:hover {
    color: white;
}

.footer-bottom {
    border-top: 1px solid #374151;
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 13px;
    color: #6b7280;
}

.footer-disclaimer {
    font-size: 12px;
    color: #6b7280;
    line-height: 1.6;
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid #374151;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--bg-white);
        flex-direction: column;
        padding: 20px;
        border-bottom: 1px solid var(--border);
        box-shadow: var(--shadow-lg);
        gap: 16px;
    }

    .nav-links.active {
        display: flex;
    }

    .hamburger {
        display: block;
    }

    .hero h1 {
        font-size: 30px;
    }

    .hero .subtitle {
        font-size: 17px;
    }

    .hero-stats {
        gap: 24px;
    }

    .section {
        padding: 50px 0;
    }

    .section-header h2 {
        font-size: 26px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .article-header h1 {
        font-size: 28px;
    }

    .cta-box {
        padding: 30px 20px;
    }
}