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

body{
    font-family:Arial,sans-serif;
    background:#f5f9fc;
    color:#222;
}

img{
width:100%;
display:block;
border-radius:15px;
}

.container{
width:90%;
max-width:1200px;
margin:auto;
}

.hero{
    background:url("images/life_banner.png") center center no-repeat;
    background-size:cover;
    height:65vh;
    position:relative;
    display:flex;
    align-items:center;
    color:#fff;
}

.overlay{

position:absolute;
inset:0;
background:rgba(0,0,0,.20);

}

.hero-content{

position:relative;
z-index:2;


}

.tagline{

background:#f9b000;
padding:8px 18px;
display:inline-block;
border-radius:50px;
font-weight:600;
margin-bottom:20px;
color:#000;

}

.hero h1{

font-size:55px;
line-height:1.2;
margin-bottom:25px;
font-weight:700;

}

.hero p{

font-size:18px;
margin-bottom:35px;

}

.hero-btn{

display:flex;
gap:20px;
flex-wrap:wrap;

}

.btn{

background:#f9b000;
padding:15px 35px;
text-decoration:none;
border-radius:50px;
font-weight:600;
color:#111;
transition:.4s;

}

.btn:hover{

background:#fff;

}

.btn-outline{

background:transparent;
border:2px solid #fff;
color:#fff;

}

.btn-outline:hover{

background:#fff;
color:#111;

}

.section{

padding:80px 0;

}

.title{

text-align:center;
margin-bottom:50px;

}

.title h2{

font-size:40px;
color:#222;
margin-bottom:15px;

}

.title p{

max-width:700px;
margin:auto;

}

.about-grid{

display:grid;
grid-template-columns:1fr 1fr;
gap:60px;
align-items:center;

}

.gray{

background:#f6f8fb;
padding:80px 0;

}

.center-text{

text-align:center;
max-width:900px;
margin:auto;
margin-bottom:60px;

}

.benefits{

display:grid;
grid-template-columns:repeat(3,1fr);
gap:30px;

}

.card{

background:#fff;
padding:35px;
border-radius:15px;
box-shadow:0 10px 30px rgba(0,0,0,.08);
transition:.4s;
text-align:center;

}

.card:hover{

transform:translateY(-10px);

}

.card i{

font-size:45px;
color:#f9b000;
margin-bottom:20px;

}

.card h3{

margin-bottom:10px;
color:#222;

}

.cta{

padding:90px 0;
background:linear-gradient(135deg,#005baa,#007ad6);
text-align:center;
color:#fff;

}

.cta h2{

font-size:42px;
margin-bottom:20px;

}

.cta p{

max-width:750px;
margin:auto;
margin-bottom:35px;

}

.cta .btn{

background:#f9b000;

}

/* Tablet */

@media(max-width:991px){

.hero{

height:auto;
padding:120px 0;

}

.hero h1{

font-size:42px;

}

.about-grid{

grid-template-columns:1fr;

}

.benefits{

grid-template-columns:repeat(2,1fr);

}

}

/* Mobile */

@media(max-width:768px){

.hero h1{

font-size:34px;

}

.hero p{

font-size:16px;

}

.title h2{

font-size:30px;

}

.cta h2{

font-size:30px;

}

.benefits{

grid-template-columns:1fr;

}

.hero-btn{

flex-direction:column;

}

.btn{

text-align:center;

}

}
.life-importance{
    padding:90px 0;
    background:#fff;
}

.section-title{
    text-align:center;
    margin-bottom:60px;
}

.section-title span{
    color:#0d6efd;
    text-transform:uppercase;
    letter-spacing:2px;
    font-weight:600;
    font-size:14px;
}

.section-title h2{
    font-size:42px;
    color:#222;
    margin-top:10px;
}

.importance-area{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:60px;
    align-items:center;
}

.lead-text{
    font-size:18px;
    color:#666;
    line-height:1.9;
}

.quote-box{
    margin-top:40px;
    border-left:5px solid #0d6efd;
    background:#f8fbff;
    padding:30px;
    border-radius:12px;
    font-size:20px;
    color:#333;
    line-height:1.7;
    position:relative;
}

.quote-box i{
    color:#0d6efd;
    font-size:30px;
    margin-bottom:15px;
    display:block;
}

.benefit-list{
    list-style:none;
    padding:0;
    margin:0;
}

.benefit-list li{
    display:flex;
    align-items:center;
    gap:18px;
    padding:20px 0;
    border-bottom:1px solid #ececec;
    font-size:18px;
    color:#333;
    transition:.3s;
}

.benefit-list li:hover{
    padding-left:15px;
    color:#0d6efd;
}

.benefit-list i{
    color:#22c55e;
    font-size:22px;
}

@media(max-width:991px){

.importance-area{
    grid-template-columns:1fr;
}

.section-title h2{
    font-size:34px;
}

}

@media(max-width:768px){

.life-importance{
    padding:70px 0;
}

.section-title h2{
    font-size:28px;
}

.lead-text,
.benefit-list li{
    font-size:16px;
}

.quote-box{
    font-size:17px;
}

}
.container{
    width:90%;
    max-width:1250px;
    margin:auto;
}

.benefits-dark{
    padding:100px 0;
    background:
    radial-gradient(circle at top right,#1e3a8a 0%,transparent 35%),
    radial-gradient(circle at bottom left,#0f766e 0%,transparent 35%),
    #0b1120;
    overflow:hidden;
}

.section-heading{
    text-align:center;
    margin-bottom:70px;
}

.section-heading span{
    color:#FFD54F;
    text-transform:uppercase;
    letter-spacing:3px;
    font-size:14px;
    font-weight:600;
}

.section-heading h2{
    color:#fff;
    font-size:46px;
    margin:18px 0;
}

.section-heading strong{
    color:#FFD54F;
}

.section-heading p{
    color:#bfc7d5;
    max-width:800px;
    margin:auto;
    line-height:1.9;
    font-size:17px;
}

.benefit-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:30px;
}

.benefit-card{

    background:rgba(255,255,255,.05);

    backdrop-filter:blur(10px);

    border:1px solid rgba(255,255,255,.08);

    border-radius:20px;

    padding:35px 28px;

    text-align:center;

    transition:.45s;

    position:relative;

    overflow:hidden;

}

.benefit-card::before{

    content:'';

    position:absolute;

    width:250px;

    height:250px;

    background:rgba(255,213,79,.08);

    border-radius:50%;

    top:-150px;

    right:-120px;

    transition:.5s;

}

.benefit-card:hover::before{

    transform:scale(2);

}

.benefit-card:hover{

    transform:translateY(-15px);

    border-color:#FFD54F;

    box-shadow:0 20px 45px rgba(0,0,0,.45);

}

.icon{

    width:85px;

    height:85px;

    margin:auto;

    border-radius:50%;

    background:linear-gradient(135deg,#FFD54F,#ff9800);

    display:flex;

    justify-content:center;

    align-items:center;

    margin-bottom:25px;

    transition:.5s;

}

.icon i{

    font-size:36px;

    color:#111;

}

.benefit-card:hover .icon{

    transform:rotateY(180deg);

}

.benefit-card h3{

    color:#fff;

    margin-bottom:15px;

    font-size:22px;

}

.benefit-card p{

    color:#c5cedc;

    line-height:1.8;

    font-size:15px;

}

@keyframes float{

    0%{
        transform:translateY(0);
    }

    50%{
        transform:translateY(-8px);
    }

    100%{
        transform:translateY(0);
    }

}

.icon{

    animation:float 3s ease-in-out infinite;

}

@media(max-width:1100px){

.benefit-grid{

grid-template-columns:repeat(2,1fr);

}

}

@media(max-width:768px){

.section-heading h2{

font-size:32px;

}

.benefit-grid{

grid-template-columns:1fr;

}

.benefits-dark{

padding:70px 0;

}

}
.coverage-section{
    padding:90px 0;
    background:#f7f9fc;
}

.coverage-header{
    text-align:center;
    max-width:850px;
    margin:auto;
    margin-bottom:60px;
}

.sub-title{
    color:#0d6efd;
    font-weight:600;
    text-transform:uppercase;
    letter-spacing:2px;
}

.coverage-header h2{
    font-size:42px;
    color:#222;
    margin:15px 0;
}

.coverage-header p{
    color:#666;
    line-height:1.8;
}

.coverage-wrapper{
    display:grid;
    grid-template-columns:2fr 1fr;
    gap:40px;
}

.coverage-content{
    background:#fff;
    border-radius:18px;
    padding:40px;
    box-shadow:0 10px 35px rgba(0,0,0,.08);
}

.coverage-content h3{
    margin-bottom:30px;
    font-size:28px;
    color:#222;
}

.factor-item{
    display:flex;
    gap:20px;
    margin-bottom:28px;
    padding-bottom:25px;
    border-bottom:1px solid #ececec;
}

.factor-item:last-child{
    margin-bottom:0;
    border:none;
    padding-bottom:0;
}

.factor-item i{
    width:60px;
    height:60px;
    background:#eef5ff;
    color:#0d6efd;
    border-radius:50%;
    display:flex;
    justify-content:center;
    align-items:center;
    font-size:24px;
    flex-shrink:0;
}

.factor-item h4{
    margin-bottom:8px;
    color:#222;
}

.factor-item p{
    color:#666;
    line-height:1.7;
}

.coverage-box{
    background:linear-gradient(135deg,#0d6efd,#0047ab);
    color:#fff;
    border-radius:20px;
    padding:40px 35px;
    text-align:center;
    position:sticky;
    top:20px;
}

.coverage-icon{
    width:90px;
    height:90px;
    background:#fff;
    color:#0d6efd;
    border-radius:50%;
    display:flex;
    justify-content:center;
    align-items:center;
    margin:auto;
    font-size:38px;
    margin-bottom:25px;
}

.coverage-number{
    font-size:48px;
    font-weight:700;
    margin:20px 0;
}

.coverage-text{
    line-height:1.8;
}

.coverage-note{
    background:rgba(255,255,255,.12);
    padding:18px;
    border-radius:12px;
    margin:30px 0;
    line-height:1.7;
}

.coverage-note i{
    color:#ffd54f;
    margin-right:8px;
}

.coverage-btn{
    display:inline-block;
    text-decoration:none;
    background:#ffd54f;
    color:#222;
    padding:15px 30px;
    border-radius:40px;
    font-weight:600;
    transition:.3s;
}

.coverage-btn:hover{
    background:#fff;
}

@media(max-width:991px){

.coverage-wrapper{
    grid-template-columns:1fr;
}

.coverage-box{
    position:relative;
    top:0;
}

}

@media(max-width:768px){

.coverage-header h2{
    font-size:30px;
}

.coverage-content{
    padding:25px;
}

.factor-item{
    align-items:flex-start;
}

.coverage-number{
    font-size:38px;
}

}
.popular-plans{
    padding:80px 0;
}

.container{
    width:90%;
    max-width:1300px;
    margin:auto;
}

.section-title{
    text-align:center;
    margin-bottom:50px;
}

.section-title span{
    display:inline-block;
    background:#0b5ed7;
    color:#fff;
    padding:8px 20px;
    border-radius:50px;
    font-size:14px;
    margin-bottom:15px;
}

.section-title h2{
    font-size:38px;
    color:#1d3557;
    margin-bottom:15px;
}

.section-title p{
    color:#666;
    max-width:650px;
    margin:auto;
    line-height:28px;
}

.plans-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:30px;
}

.plan-card{

    display:flex;
    align-items:center;
    overflow:hidden;

    background:#fff;
    border-radius:30px;

    box-shadow:0 12px 30px rgba(0,0,0,.08);

    transition:.4s;
}

.plan-card:hover{

    transform:translateY(-10px);

    box-shadow:0 20px 40px rgba(0,0,0,.15);

}

.plan-img{

    width:45%;
    height:230px;
    overflow:hidden;
}

.plan-img img{

    width:100%;
    height:100%;
    object-fit:cover;
    transition:.5s;

}

.plan-card:hover img{

    transform:scale(1.1);

}

.plan-content{

    width:55%;
    padding:25px;

}

.plan-content h3{

    color:#1d3557;
    font-size:22px;
    margin-bottom:12px;

}

.plan-content p{

    color:#666;
    line-height:26px;
    font-size:15px;
    margin-bottom:20px;

}

.plan-btn{

    display:inline-block;
    padding:10px 22px;

    background:#ffb703;
    color:#000;

    border-radius:50px;

    text-decoration:none;

    font-weight:bold;

    transition:.4s;

}

.plan-btn:hover{

    background:#0b5ed7;
    color:#fff;

}

/* Tablet */

@media(max-width:992px){

.plans-grid{

grid-template-columns:repeat(2,1fr);

}

.plan-card{

flex-direction:column;

}

.plan-img{

width:100%;
height:220px;

}

.plan-content{

width:100%;
}

}

/* Mobile */

@media(max-width:768px){

.section-title h2{

font-size:30px;

}

.plans-grid{

grid-template-columns:1fr;

}

.plan-card{

flex-direction:column;

}

.plan-img{

width:100%;
height:220px;

}

.plan-content{

width:100%;
padding:20px;

}

}