.hero-section {
    position: relative;
    background: linear-gradient(rgba(12, 74, 110, 0.85), rgba(3, 105, 161, 0.9)), url('_assets/hero.jpg') center/cover no-repeat;
    color: #ffffff;
    padding: 110px 0 100px;
    min-height: 640px;
    display: flex;
    align-items: center;
}
.hero-content {
    max-width: 1080px;
    margin: 0 auto;
    text-align: center;
}
.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(16, 185, 129, 0.2);
    border: 1px solid rgba(52, 211, 153, 0.5);
    color: #6ee7b7;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    padding: 6px 20px;
    border-radius: 30px;
    margin-bottom: 24px;
}
.hero-title {
    font-family: var(--font-heading);
    font-size: 46px;
    font-weight: 800;
    line-height: 1.25;
    margin: 0 0 20px;
    color: #ffffff;
    letter-spacing: -0.5px;
}
.hero-subtitle {
    font-size: 17px;
    line-height: 1.7;
    color: #e0f2fe;
    max-width: 860px;
    margin: 0 auto 40px;
}

/* Insurance Calculator Card */
.insurance-calc-card {
    background: #ffffff;
    border-radius: var(--radius);
    padding: 24px 28px;
    box-shadow: 0 20px 45px rgba(0, 0, 0, 0.25);
    border: 2px solid var(--accent);
    margin-bottom: 35px;
    text-align: left;
}
.calc-form {
    display: grid;
    grid-template-columns: repeat(3, 1fr) 200px;
    gap: 16px;
    align-items: flex-end;
}
.calc-field label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    color: var(--primary-dark);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}
.calc-field label i {
    color: var(--accent);
    margin-right: 4px;
}
.calc-field select {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid #cbd5e1;
    border-radius: var(--radius-btn);
    font-family: var(--font-main);
    font-size: 14px;
    color: var(--dark);
    background: #ffffff;
    transition: var(--transition);
}
.calc-field select:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.2);
}
.btn-calc {
    width: 100%;
    padding: 12px 16px;
    background: linear-gradient(135deg, #059669 0%, #047857 100%);
    color: #ffffff;
    font-weight: 700;
    font-size: 14px;
    border: none;
    border-radius: var(--radius-btn);
    cursor: pointer;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    height: 46px;
}
.btn-calc:hover {
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(5, 150, 105, 0.4);
}

/* Trust Highlights */
.hero-trust-highlights {
    display: flex;
    justify-content: center;
    gap: 36px;
    flex-wrap: wrap;
}
.highlight-box {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    font-weight: 600;
    color: #f0fdf4;
}
.highlight-box i {
    color: #34d399;
    font-size: 18px;
}

@media (max-width: 991px) {
    .hero-title { font-size: 34px; }
    .calc-form { grid-template-columns: 1fr 1fr; }
    .calc-action { grid-column: span 2; }
}
@media (max-width: 640px) {
    .hero-section { padding: 80px 0 60px; }
    .hero-title { font-size: 28px; }
    .calc-form { grid-template-columns: 1fr; }
    .calc-action { grid-column: span 1; }
    .hero-trust-highlights { flex-direction: column; gap: 12px; }
}

.hero-backdrop {
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 50% 30%, rgba(3, 105, 161, 0.4) 0%, transparent 70%);
    pointer-events: none;
}