:root {
  --ink: #0A0F1E;
  --ink-mid: #1a2240;
  --ink-soft: #2e3a5c;
  --cream: #F8F6F1;
  --white: #ffffff;
  --accent: #1B6FFF;
  --accent-glow: rgba(27,111,255,0.18);
  --accent2: #00C896;
  --gold: #F5A623;
  --danger: #E84040;
  --muted: #8892A4;
  --border: rgba(10,15,30,0.1);
  --card-bg: #ffffff;
  --sidebar-w: 240px;
  --radius: 14px;
  --radius-sm: 8px;
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--ink);
  overflow-x: hidden;
}

/* ── UTILS ── */
.syne { font-family: 'Syne', sans-serif; }
.accent { color: var(--accent); }
.accent2 { color: var(--accent2); }
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: 50px; font-family: 'Syne', sans-serif;
  font-weight: 700; font-size: 0.9rem; letter-spacing: 0.02em;
  cursor: pointer; border: none; text-decoration: none; transition: all 0.22s ease;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: #0854d4; transform: translateY(-2px); box-shadow: 0 8px 28px rgba(27,111,255,0.35); }
.btn-outline { background: transparent; color: var(--ink); border: 2px solid var(--ink); }
.btn-outline:hover { background: var(--ink); color: #fff; transform: translateY(-2px); }
.btn-ghost { background: rgba(255,255,255,0.12); color: #fff; border: 1.5px solid rgba(255,255,255,0.3); }
.btn-ghost:hover { background: rgba(255,255,255,0.22); }
.tag {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 50px; font-size: 0.75rem;
  font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase;
}
.tag-blue { background: var(--accent-glow); color: var(--accent); }
.tag-green { background: rgba(0,200,150,0.12); color: var(--accent2); }
.tag-gold { background: rgba(245,166,35,0.12); color: var(--gold); }
.card {
  background: var(--card-bg); border-radius: var(--radius);
  border: 1px solid var(--border); padding: 28px;
  box-shadow: 0 2px 16px rgba(10,15,30,0.06);
}

/* NAV */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 60px;
  background: rgba(248,246,241,0.85);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
}
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-logo-mark {
  width: 36px; height: 36px; border-radius: 10px;
  background: var(--ink);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-family: 'Syne',sans-serif; font-weight: 800; font-size: 1.1rem;
}
.nav-logo-text { font-family: 'Syne',sans-serif; font-weight: 800; font-size: 1rem; color: var(--ink); }
.nav-logo-text span { color: var(--accent); }
.nav-links { display: flex; gap: 32px; list-style: none; }
.nav-links a { text-decoration: none; color: var(--ink-soft); font-size: 0.88rem; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: var(--accent); }
.nav-cta { display: flex; gap: 12px; }

/* HERO */
.hero {
  min-height: 100vh;
  display: flex; align-items: center;
  padding: 120px 60px 80px;
  position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 60% at 70% 50%, rgba(27,111,255,0.08) 0%, transparent 70%),
    radial-gradient(ellipse 40% 40% at 20% 80%, rgba(0,200,150,0.06) 0%, transparent 60%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: 0.035;
  background-image: linear-gradient(var(--ink) 1px, transparent 1px), linear-gradient(90deg, var(--ink) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-content { max-width: 640px; position: relative; z-index: 2; }
.hero-eyebrow { display: flex; align-items: center; gap: 10px; margin-bottom: 28px; }
.hero-eyebrow-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent2); animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(1.4)} }
.hero-eyebrow-text { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.hero h1 {
  font-family: 'Syne', sans-serif; font-weight: 800; font-size: clamp(2.6rem, 5vw, 4rem);
  line-height: 1.08; color: var(--ink); margin-bottom: 22px;
  animation: fadeUp 0.7s ease both;
}
@keyframes fadeUp { from{opacity:0;transform:translateY(30px)} to{opacity:1;transform:translateY(0)} }
.hero p { font-size: 1.1rem; color: var(--ink-soft); line-height: 1.7; margin-bottom: 40px; max-width: 500px; animation: fadeUp 0.7s 0.15s ease both; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; animation: fadeUp 0.7s 0.25s ease both; }
.hero-stats {
  display: flex; gap: 48px; margin-top: 64px;
  padding-top: 40px; border-top: 1px solid var(--border);
  animation: fadeUp 0.7s 0.35s ease both;
}
.stat-val { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 2rem; color: var(--ink); }
.stat-lbl { font-size: 0.8rem; color: var(--muted); font-weight: 500; margin-top: 2px; }
.hero-visual {
  position: absolute; right: -40px; top: 50%; transform: translateY(-50%);
  width: 520px; z-index: 2;
  animation: floatIn 0.9s 0.2s ease both;
}
@keyframes floatIn { from{opacity:0;transform:translateY(-40%) translateX(40px)} to{opacity:1;transform:translateY(-50%) translateX(0)} }
.hero-card-stack { position: relative; width: 100%; }
.hc {
  background: #fff; border-radius: 18px; padding: 22px 24px;
  box-shadow: 0 20px 60px rgba(10,15,30,0.12);
  border: 1px solid rgba(10,15,30,0.08);
}
.hc-main { width: 380px; margin-left: 60px; }
.hc-float {
  position: absolute; width: 220px; left: 0;
  box-shadow: 0 12px 40px rgba(10,15,30,0.1);
}
.hc-float-1 { top: 30px; }
.hc-float-2 { bottom: -30px; left: 20px; }
.hc-label { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 4px; }
.hc-val { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1.6rem; color: var(--ink); }
.hc-delta { font-size: 0.78rem; color: var(--accent2); font-weight: 600; }
.hc-bar { height: 6px; border-radius: 3px; background: #f0f0f0; margin: 12px 0; overflow: hidden; }
.hc-bar-fill { height: 100%; border-radius: 3px; background: linear-gradient(90deg, var(--accent), var(--accent2)); }
.hc-row { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid #f5f5f5; font-size: 0.83rem; }
.hc-row:last-child { border: none; }
.hc-dot { width: 8px; height: 8px; border-radius: 50%; display: inline-block; margin-right: 8px; }
.badge { padding: 3px 10px; border-radius: 50px; font-size: 0.7rem; font-weight: 600; }
.badge-green { background: rgba(0,200,150,0.1); color: var(--accent2); }
.badge-blue { background: rgba(27,111,255,0.1); color: var(--accent); }
.badge-gold { background: rgba(245,166,35,0.1); color: var(--gold); }
.badge-red { background: rgba(232,64,64,0.1); color: var(--danger); }

/* SECTION SHARED */
section { padding: 96px 60px; }
.section-tag { display: flex; justify-content: center; margin-bottom: 20px; }
.section-head { text-align: center; margin-bottom: 64px; }
.section-head h2 { font-family: 'Syne', sans-serif; font-weight: 800; font-size: clamp(2rem, 3.5vw, 2.8rem); color: var(--ink); margin-bottom: 16px; }
.section-head p { font-size: 1rem; color: var(--muted); max-width: 500px; margin: 0 auto; line-height: 1.7; }

/* FEATURES */
.features-bg { background: var(--ink); }
.features-bg .section-head h2 { color: #fff; }
.features-bg .section-head p { color: rgba(255,255,255,0.5); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; max-width: 1100px; margin: 0 auto; }
.feat-card {
  background: rgba(255,255,255,0.04); padding: 36px 32px;
  border: 1px solid rgba(255,255,255,0.06);
  transition: background 0.2s;
}
.feat-card:hover { background: rgba(255,255,255,0.07); }
.feat-card:first-child { border-radius: 18px 0 0 0; }
.feat-card:nth-child(3) { border-radius: 0 18px 0 0; }
.feat-card:nth-child(4) { border-radius: 0 0 0 18px; }
.feat-card:last-child { border-radius: 0 0 18px 0; }
.feat-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 20px;
}
.feat-icon-blue { background: var(--accent-glow); }
.feat-icon-green { background: rgba(0,200,150,0.12); }
.feat-icon-gold { background: rgba(245,166,35,0.1); }
.feat-card h3 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem; color: #fff; margin-bottom: 10px; }
.feat-card p { font-size: 0.87rem; color: rgba(255,255,255,0.45); line-height: 1.7; }

/* HOW IT WORKS */
.hiw-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 32px; max-width: 1100px; margin: 0 auto; }
.step-card { text-align: center; }
.step-num {
  width: 56px; height: 56px; border-radius: 16px;
  background: var(--ink); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.3rem;
  margin: 0 auto 20px;
}
.step-arrow { color: var(--muted); font-size: 1.4rem; display: flex; align-items: center; justify-content: center; margin-top: 14px; }
.step-card h3 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem; color: var(--ink); margin-bottom: 10px; }
.step-card p { font-size: 0.85rem; color: var(--muted); line-height: 1.7; }

/* TRUST */
.trust-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; max-width: 900px; margin: 0 auto; }
.trust-card {
  border: 2px solid var(--border); border-radius: var(--radius);
  padding: 36px 28px; transition: border-color 0.2s, transform 0.2s;
}
.trust-card:hover { border-color: var(--accent); transform: translateY(-4px); }
.trust-icon { font-size: 2rem; margin-bottom: 16px; }
.trust-card h3 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem; margin-bottom: 10px; }
.trust-card p { font-size: 0.85rem; color: var(--muted); line-height: 1.7; }

/* CTA BANNER */
.cta-banner {
  background: var(--ink);
  margin: 0 60px 96px; border-radius: 24px;
  padding: 72px 60px;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; right: -100px; top: -100px;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(27,111,255,0.25) 0%, transparent 70%);
}
.cta-banner h2 { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 2.2rem; color: #fff; max-width: 500px; line-height: 1.2; }
.cta-banner-actions { display: flex; gap: 16px; flex-shrink: 0; position: relative; z-index: 2; }

/* FOOTER */
footer {
  background: var(--ink); color: rgba(255,255,255,0.5);
  padding: 48px 60px 32px;
  display: flex; flex-direction: column; gap: 32px;
}
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 40px; }
.footer-links { display: flex; gap: 60px; }
.footer-col h4 { font-family: 'Syne', sans-serif; font-weight: 700; color: rgba(255,255,255,0.8); font-size: 0.85rem; margin-bottom: 16px; letter-spacing: 0.06em; text-transform: uppercase; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); text-decoration: none; font-size: 0.85rem; margin-bottom: 10px; transition: color 0.2s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; font-size: 0.8rem; }
.ecosystem-links { display: flex; gap: 16px; }
.eco-link { background: rgba(255,255,255,0.06); padding: 6px 14px; border-radius: 50px; color: rgba(255,255,255,0.4); text-decoration: none; font-size: 0.78rem; transition: all 0.2s; }
.eco-link:hover { background: rgba(255,255,255,0.12); color: #fff; }

/* ════════════════════════════
   DASHBOARD SHELL
════════════════════════════ */
.dashboard-shell {
  display: flex; height: 100vh; overflow: hidden;
  background: #f0f2f7;
}

/* SIDEBAR */
.sidebar {
  width: var(--sidebar-w); background: var(--ink); color: #fff;
  display: flex; flex-direction: column;
  flex-shrink: 0; overflow-y: auto;
}
.sidebar-logo {
  padding: 24px 20px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex; align-items: center; gap: 10px;
}
.sidebar-logo-mark {
  width: 34px; height: 34px; border-radius: 9px;
  background: var(--accent); display: flex; align-items: center; justify-content: center;
  font-family: 'Syne',sans-serif; font-weight: 800; font-size: 1rem; color: #fff;
}
.sidebar-logo-text { font-family: 'Syne',sans-serif; font-weight: 800; font-size: 0.9rem; color: #fff; }
.sidebar-logo-text small { display: block; font-size: 0.68rem; font-family: 'DM Sans',sans-serif; font-weight: 400; color: rgba(255,255,255,0.35); }
.sidebar-section { padding: 20px 12px 8px; }
.sidebar-section-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.28); padding: 0 8px; margin-bottom: 6px; }
.nav-item {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px; border-radius: 10px;
  cursor: pointer; transition: all 0.18s;
  font-size: 0.87rem; color: rgba(255,255,255,0.55);
  margin-bottom: 2px;
  text-decoration: none;
}
.nav-item:hover { background: rgba(255,255,255,0.07); color: #fff; }
.nav-item.active { background: var(--accent); color: #fff; }
.nav-item-icon { font-size: 1rem; width: 20px; text-align: center; }
.nav-badge {
  margin-left: auto; background: var(--accent2);
  color: #fff; font-size: 0.68rem; font-weight: 700;
  padding: 2px 7px; border-radius: 50px;
}
.sidebar-footer {
  margin-top: auto; padding: 16px 12px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.insurer-profile {
  display: flex; align-items: center; gap: 12px; padding: 8px 12px;
  border-radius: 10px; transition: background 0.18s; cursor: pointer;
}
.insurer-profile:hover { background: rgba(255,255,255,0.06); }
.insurer-avatar {
  width: 34px; height: 34px; border-radius: 9px;
  background: var(--accent-glow); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem; color: var(--accent);
}
.insurer-name { font-size: 0.82rem; font-weight: 600; color: #fff; }
.insurer-role { font-size: 0.72rem; color: rgba(255,255,255,0.35); }

/* MAIN AREA */
.main-area { flex: 1; display: flex; flex-direction: column; overflow: hidden; }
.topbar {
  background: #fff; padding: 16px 32px;
  display: flex; align-items: center; justify-content: space-between;
  border-bottom: 1px solid var(--border);
  flex-shrink: 0;
}
.topbar-title { font-family: 'Syne',sans-serif; font-weight: 700; font-size: 1.15rem; color: var(--ink); }
.topbar-sub { font-size: 0.8rem; color: var(--muted); }
.topbar-actions { display: flex; align-items: center; gap: 12px; }
.icon-btn {
  width: 38px; height: 38px; border-radius: 10px;
  border: 1.5px solid var(--border); background: #fff;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; font-size: 1rem; transition: all 0.18s;
}
.icon-btn:hover { border-color: var(--accent); color: var(--accent); }
.notif-dot { position: relative; }
.notif-dot::after {
  content: ''; position: absolute; top: 7px; right: 7px;
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--danger); border: 2px solid #fff;
}

.page-content { flex: 1; overflow-y: auto; padding: 28px 32px; }

/* KPI CARDS */
.kpi-row { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; margin-bottom: 24px; }
.kpi {
  background: #fff; border-radius: var(--radius); padding: 24px;
  border: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(10,15,30,0.04);
}
.kpi-label { font-size: 0.78rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 10px; }
.kpi-val { font-family: 'Syne',sans-serif; font-weight: 800; font-size: 2rem; color: var(--ink); margin-bottom: 6px; }
.kpi-change { font-size: 0.78rem; font-weight: 600; }
.kpi-change.up { color: var(--accent2); }
.kpi-change.down { color: var(--danger); }
.kpi-icon {
  float: right; margin-top: -50px;
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}

/* AUTH PAGES */
.auth-container {
  min-height: 100vh; display: flex; align-items: center; justify-content: center;
  padding: 40px 20px; background: var(--cream);
}
.auth-card {
  width: 100%; max-width: 450px; background: #fff; border-radius: 20px;
  padding: 40px; box-shadow: 0 20px 60px rgba(10,15,30,0.08);
  border: 1px solid var(--border);
}
.auth-header { text-align: center; margin-bottom: 32px; }
.auth-header h1 { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.8rem; margin-bottom: 8px; }
.auth-header p { color: var(--muted); font-size: 0.9rem; }

.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--ink-soft); margin-bottom: 8px; }
.form-control {
  width: 100%; padding: 12px 16px; border-radius: 10px;
  border: 1.5px solid var(--border); font-family: 'DM Sans', sans-serif;
  font-size: 0.9rem; transition: all 0.2s;
}
.form-control:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px var(--accent-glow); }

/* TABLES */
.data-table { width: 100%; border-collapse: collapse; }
.data-table th {
  text-align: left; padding: 12px 16px;
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--muted); border-bottom: 1px solid var(--border);
}
.data-table td {
  padding: 14px 16px; font-size: 0.84rem; color: var(--ink-soft);
  border-bottom: 1px solid rgba(10,15,30,0.05);
}
.data-table tbody tr:hover { background: rgba(27,111,255,0.03); }

/* MOBILE */
@media (max-width: 900px) {
  .kpi-row { grid-template-columns: repeat(2,1fr); }
  .sidebar { position: fixed; left: -100%; top: 0; bottom: 0; z-index: 200; transition: left 0.3s; }
  .sidebar.open { left: 0; }
}