*{margin:0;padding:0;box-sizing:border-box}
:root{
  --navy:#0a1628;--navy2:#0f2044;--gold:#f5a623;--gold2:#ffc857;
  --white:#fff;--gray:#f4f7fc;--text:#1a2744;--muted:#6b7a99;
  --shadow:0 8px 32px rgba(10,22,40,.15);
  --radius:16px;--radius-sm:10px;
}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text);background:#fff;overflow-x:hidden}

/* NAVBAR */
.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;padding:14px 0;transition:.3s}
.navbar.scrolled{background:rgba(10,22,40,.97);box-shadow:var(--shadow)}
.nav-container{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between}
.nav-logo{display:flex;align-items:center;gap:12px;cursor:pointer}
.logo-icon{font-size:28px}
.logo-name{color:#fff;font-weight:700;font-size:18px;font-family:'Poppins',sans-serif}
.logo-sub{color:var(--gold);font-size:11px;font-weight:500}
.nav-links{display:flex;list-style:none;gap:8px;align-items:center}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;padding:8px 14px;border-radius:8px;font-size:14px;font-weight:500;transition:.2s}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.1)}
.nav-cta{background:var(--gold)!important;color:var(--navy)!important;font-weight:700!important;border-radius:8px!important}
.nav-cta:hover{background:var(--gold2)!important;transform:translateY(-1px)}
.hamburger{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer}

/* HERO */
.hero{min-height:100vh;background:linear-gradient(135deg,#0a1628 0%,#0f2044 50%,#1a3566 100%);display:flex;align-items:center;padding:100px 24px 60px;position:relative;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse at 70% 50%,rgba(245,166,35,.08) 0%,transparent 60%),url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero-content{flex:1;max-width:580px;position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(245,166,35,.15);border:1px solid rgba(245,166,35,.3);color:var(--gold);padding:8px 18px;border-radius:50px;font-size:13px;font-weight:600;margin-bottom:24px}
.hero h1{font-family:'Poppins',sans-serif;font-size:clamp(36px,5vw,60px);font-weight:800;color:#fff;line-height:1.15;margin-bottom:20px}
.gold{color:var(--gold);text-shadow:0 0 30px rgba(245,166,35,.4)}
.hero-sub{color:rgba(255,255,255,.75);font-size:17px;line-height:1.7;margin-bottom:36px}
.hero-btns{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:48px}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);padding:14px 28px;border-radius:12px;text-decoration:none;font-weight:700;font-size:15px;transition:.3s;box-shadow:0 4px 20px rgba(245,166,35,.4);display:inline-flex;align-items:center;gap:8px}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 8px 30px rgba(245,166,35,.5)}
.btn-outline{border:2px solid rgba(255,255,255,.3);color:#fff;padding:14px 28px;border-radius:12px;text-decoration:none;font-weight:600;font-size:15px;transition:.3s}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-3px)}
.hero-stats{display:flex;gap:32px;flex-wrap:wrap}
.stat-num{font-size:32px;font-weight:800;color:var(--gold);font-family:'Poppins',sans-serif}
.stat-label{color:rgba(255,255,255,.6);font-size:13px;font-weight:500}
.hero-img-wrap{flex:0 0 auto;display:flex;justify-content:center;align-items:center;padding-left:60px;position:relative;z-index:1}
.agent-card{background:rgba(255,255,255,.05);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.15);border-radius:24px;padding:40px 32px;text-align:center;min-width:280px;box-shadow:0 20px 60px rgba(0,0,0,.3);animation:float 4s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.agent-avatar{width:100px;height:100px;border-radius:50%;overflow:hidden;border:3px solid var(--gold);margin:0 auto 16px;box-shadow:0 8px 30px rgba(245,166,35,.4);display:flex;align-items:center;justify-content:center}
.agent-img{width:100%;height:100%;object-fit:cover;display:block}
.agent-name{color:#fff;font-size:20px;font-weight:700;margin-bottom:4px;font-family:'Poppins',sans-serif}
.agent-code{color:var(--gold);font-size:12px;font-weight:600;letter-spacing:1px;margin-bottom:12px}
.agent-loc{color:rgba(255,255,255,.7);font-size:13px;margin-bottom:20px}
.agent-call{display:block;background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);padding:12px 24px;border-radius:10px;text-decoration:none;font-weight:700;font-size:15px;transition:.3s}
.agent-call:hover{transform:scale(1.05)}

/* SERVICES */
.services{padding:90px 0;background:#fff}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section-head{text-align:center;margin-bottom:56px}
.section-badge{display:inline-block;background:linear-gradient(135deg,#e8f4fd,#dbeafe);color:#2563eb;padding:6px 18px;border-radius:50px;font-size:13px;font-weight:600;margin-bottom:16px;border:1px solid #bfdbfe}
.section-head h2{font-family:'Poppins',sans-serif;font-size:clamp(28px,4vw,42px);font-weight:800;color:var(--text);margin-bottom:12px}
.section-head p{color:var(--muted);font-size:16px}
.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.service-card{background:#fff;border:1px solid #e8edf5;border-radius:var(--radius);padding:32px 28px;transition:.3s;cursor:default;position:relative;overflow:hidden}
.service-card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,#0a1628,#1a3566);opacity:0;transition:.3s}
.service-card:hover::before{opacity:1}
.service-card:hover{transform:translateY(-6px);box-shadow:0 20px 50px rgba(10,22,40,.2);border-color:transparent}
.service-card:hover h3,.service-card:hover p{color:#fff;position:relative;z-index:1}
.service-card:hover .s-icon{background:rgba(245,166,35,.2);position:relative;z-index:1}
.s-icon{width:56px;height:56px;background:linear-gradient(135deg,#e8f4fd,#dbeafe);border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:26px;margin-bottom:20px;transition:.3s}
.service-card h3{font-size:17px;font-weight:700;margin-bottom:10px;color:var(--text);transition:.3s}
.service-card p{color:var(--muted);font-size:14px;line-height:1.6;transition:.3s}

/* PLANS */
.plans{padding:90px 0;background:var(--gray)}
.plans-tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:40px}
.tab-btn{padding:10px 22px;border:2px solid #d1d9e6;background:#fff;border-radius:50px;font-size:14px;font-weight:600;color:var(--muted);cursor:pointer;transition:.3s}
.tab-btn.active,.tab-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.tab-content{display:none;background:#fff;border-radius:var(--radius);padding:40px;box-shadow:var(--shadow);animation:fadeIn .3s}
.tab-content.active{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
.plan-intro{display:flex;align-items:center;gap:16px;margin-bottom:28px}
.plan-icon{font-size:36px}
.plan-intro h3{font-family:'Poppins',sans-serif;font-size:22px;font-weight:700;color:var(--text)}
.plan-best{color:var(--muted);font-size:14px;margin-top:4px}
.plan-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.plan-item{background:var(--gray);border-radius:10px;padding:14px 18px;display:flex;align-items:center;gap:12px;font-weight:500;font-size:14px;transition:.2s;border:1px solid transparent}
.plan-item:hover{border-color:var(--gold);background:#fffbf0;transform:scale(1.02)}
.plan-no{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:4px 10px;border-radius:6px;font-size:12px;font-weight:700;white-space:nowrap}

/* WHY */
.why{padding:90px 0;background:linear-gradient(135deg,var(--navy) 0%,#1a3566 100%)}
.why .section-head h2{color:#fff}
.why .section-head p{color:rgba(255,255,255,.6)}
.why .section-badge{background:rgba(245,166,35,.15);color:var(--gold);border-color:rgba(245,166,35,.3)}
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.why-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:36px 28px;text-align:center;transition:.3s}
.why-card:hover{background:rgba(255,255,255,.1);transform:translateY(-6px);border-color:rgba(245,166,35,.4)}
.why-icon{font-size:44px;margin-bottom:16px}
.why-card h3{color:#fff;font-size:18px;font-weight:700;margin-bottom:10px;font-family:'Poppins',sans-serif}
.why-card p{color:rgba(255,255,255,.65);font-size:14px;line-height:1.6}

/* CONTACT */
.contact{padding:90px 0;background:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start}
.contact-info{display:flex;flex-direction:column;gap:20px}
.info-card{display:flex;align-items:center;gap:16px;background:var(--gray);border-radius:var(--radius-sm);padding:20px 24px;border:1px solid #e8edf5}
.info-icon{font-size:28px}
.info-card a{color:var(--text);text-decoration:none;font-weight:700;font-size:18px}
.info-card a:hover{color:var(--gold)}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-whatsapp{background:linear-gradient(135deg,#25d366,#128c7e);color:#fff;padding:14px 28px;border-radius:12px;text-decoration:none;font-weight:700;font-size:15px;transition:.3s;flex:1;text-align:center}
.btn-whatsapp:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(37,211,102,.4)}
.btn-call{background:linear-gradient(135deg,var(--navy),#1a3566);color:#fff;padding:14px 28px;border-radius:12px;text-decoration:none;font-weight:700;font-size:15px;transition:.3s;flex:1;text-align:center}
.btn-call:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(10,22,40,.4)}
.contact-form{background:var(--gray);border-radius:var(--radius);padding:40px;border:1px solid #e8edf5}
.contact-form h3{font-family:'Poppins',sans-serif;font-size:22px;font-weight:700;margin-bottom:24px;color:var(--text)}
.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:13px 16px;border:1.5px solid #d1d9e6;border-radius:10px;font-size:14px;font-family:'Inter',sans-serif;margin-bottom:14px;transition:.2s;background:#fff;color:var(--text)}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,22,40,.08)}
.contact-form button{width:100%;padding:14px;font-size:16px;border:none;cursor:pointer}

/* FOOTER */
.footer{background:var(--navy);padding:60px 0 0}
.footer-content{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-logo{font-size:22px;font-weight:800;color:#fff;margin-bottom:12px;font-family:'Poppins',sans-serif}
.footer p{color:rgba(255,255,255,.55);font-size:14px;line-height:1.7}
.footer strong{color:#fff;display:block;margin-bottom:14px;font-size:15px}
.footer ul{list-style:none}
.footer ul li{margin-bottom:10px}
.footer ul a{color:rgba(255,255,255,.55);text-decoration:none;font-size:14px;transition:.2s}
.footer ul a:hover{color:var(--gold)}
.footer-bottom{text-align:center;padding:20px;color:rgba(255,255,255,.35);font-size:13px}

/* FAB */
.fab{position:fixed;bottom:28px;right:28px;width:60px;height:60px;background:linear-gradient(135deg,#25d366,#128c7e);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:28px;text-decoration:none;box-shadow:0 8px 24px rgba(37,211,102,.5);z-index:999;animation:pulse 2s infinite;transition:.3s}
.fab:hover{transform:scale(1.15)}
@keyframes pulse{0%,100%{box-shadow:0 8px 24px rgba(37,211,102,.5)}50%{box-shadow:0 8px 40px rgba(37,211,102,.8)}}

/* NAV ACTIONS & LANG SWITCH */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}
.lang-switch {
  display: flex;
  background: rgba(255, 255, 255, 0.08);
  padding: 3px;
  border-radius: 30px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  align-items: center;
}
.lang-btn {
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.7);
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
  outline: none;
}
.lang-btn.active {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(245, 166, 35, 0.3);
}
.lang-btn:not(.active):hover {
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

/* MODAL SYSTEM */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 22, 40, 0.65);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2000;
  padding: 20px;
  visibility: hidden;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}
.modal-overlay.active {
  visibility: visible;
  opacity: 1;
  pointer-events: auto;
}
.modal-card {
  background: #fff;
  width: 100%;
  max-width: 620px;
  border-radius: 24px;
  padding: 40px;
  position: relative;
  transform: translateY(30px);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 30px 70px rgba(10, 22, 40, 0.25);
  border: 1px solid rgba(10, 22, 40, 0.06);
  max-height: 90vh;
  display: flex;
  flex-direction: column;
}
.modal-overlay.active .modal-card {
  transform: translateY(0);
}
.modal-close {
  position: absolute;
  top: 24px;
  right: 24px;
  background: #f4f7fc;
  border: none;
  font-size: 22px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--text);
  transition: all 0.2s ease;
  z-index: 10;
}
.modal-close:hover {
  background: #e8edf5;
  color: var(--navy);
  transform: scale(1.08) rotate(90deg);
}
.modal-header {
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 12px;
  border-bottom: 2px solid #f4f7fc;
  padding-bottom: 16px;
  flex-shrink: 0;
}
.modal-badge {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  color: #fff;
  padding: 6px 12px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.5px;
}
.modal-header h3 {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--text);
  line-height: 1.2;
}
.modal-body {
  overflow-y: auto;
  padding-right: 8px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  flex-grow: 1;
}
.modal-body::-webkit-scrollbar {
  width: 6px;
}
.modal-body::-webkit-scrollbar-track {
  background: #f4f7fc;
  border-radius: 10px;
}
.modal-body::-webkit-scrollbar-thumb {
  background: #d1d9e6;
  border-radius: 10px;
}
.modal-section h4 {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--muted);
  margin-bottom: 8px;
  font-weight: 700;
}
.modal-section p {
  font-size: 15px;
  line-height: 1.6;
  color: var(--text);
}
.modal-section ul {
  list-style: none;
  padding-left: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.modal-section ul li {
  position: relative;
  padding-left: 24px;
  font-size: 14.5px;
  line-height: 1.5;
  color: var(--text);
}
.modal-section ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #25d366;
  font-weight: 800;
  font-size: 16px;
}
.modal-footer {
  margin-top: 24px;
  display: flex;
  gap: 14px;
  flex-shrink: 0;
}
.modal-footer .btn-whatsapp {
  flex: 1.3;
  text-align: center;
  justify-content: center;
}
.modal-footer .btn-call {
  flex: 1;
  text-align: center;
  justify-content: center;
}

/* TESTIMONIALS */
.testimonials{padding:90px 0;background:#fff}
.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.test-card{background:#f8fafc;border:1px solid #e2e8f0;border-radius:var(--radius);padding:32px;transition:.3s;display:flex;flex-direction:column;justify-content:space-between}
.test-card:hover{transform:translateY(-5px);box-shadow:0 15px 35px rgba(10,22,40,.08);border-color:var(--gold)}
.test-stars{color:var(--gold);font-size:18px;margin-bottom:16px}
.test-text{color:var(--text);font-size:15px;line-height:1.6;font-style:italic;margin-bottom:24px}
.test-user{display:flex;align-items:center;gap:12px}
.test-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px}
.test-name{font-size:15px;font-weight:700;color:var(--text)}
.test-loc{font-size:12px;color:var(--muted);font-weight:500}

/* FAQ */
.faq{padding:90px 0;background:var(--gray)}
.faq-accordion{max-width:800px;margin:0 auto;display:flex;flex-direction:column;gap:16px}
.faq-item{background:#fff;border:1px solid #e8edf5;border-radius:var(--radius-sm);overflow:hidden;transition:.3s}
.faq-item:hover{border-color:var(--gold)}
.faq-question{width:100%;padding:20px 24px;background:none;border:none;display:flex;justify-content:space-between;align-items:center;text-align:left;font-family:'Poppins',sans-serif;font-size:16px;font-weight:600;color:var(--text);cursor:pointer;transition:.2s}
.faq-question:hover{color:var(--gold)}
.faq-icon{font-size:20px;font-weight:400;color:var(--muted);transition:.3s}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s cubic-bezier(0,1,0,1);padding:0 24px}
.faq-item.active .faq-answer{max-height:1000px;transition:max-height .3s cubic-bezier(1,0,1,0);padding:0 24px 20px}
.faq-answer p{color:var(--muted);font-size:14.5px;line-height:1.6}
.faq-item.active{border-color:var(--navy);box-shadow:var(--shadow)}
.faq-item.active .faq-question{color:var(--navy)}
.faq-item.active .faq-icon{color:var(--navy)}

/* DISCLAIMER */
.footer-disclaimer{max-width:1200px;margin:24px auto 0;padding:24px 24px 0;border-top:1px solid rgba(255,255,255,.1);text-align:center}
.footer-disclaimer p{color:rgba(255,255,255,.45);font-size:12px;line-height:1.6;font-weight:400}

/* RESPONSIVE */
@media(max-width:900px){
  .hero{flex-direction:column;text-align:center;padding-top:120px}
  .hero-img-wrap{padding-left:0;margin-top:40px}
  .hero-btns,.hero-stats{justify-content:center}
  .contact-grid{grid-template-columns:1fr}
  .footer-content{grid-template-columns:1fr}
}
@media(max-width:600px){
  .nav-links{display:none;position:fixed;top:70px;left:0;right:0;background:rgba(10,22,40,.98);flex-direction:column;padding:20px;gap:4px}
  .nav-links.open{display:flex}
  .hamburger{display:block}
  .agent-card{min-width:260px}
  .modal-card {
    padding: 30px 20px;
  }
  .modal-footer {
    flex-direction: column;
    gap: 10px;
  }
  .modal-footer a {
    width: 100%;
  }
}