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

body {
  font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  line-height: 1.6;
  color: #333;
  background: #f8fafc;
}

/* Page-level Global Header & Navigation */
.page-global-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
  border-bottom: 2px solid #e2e8f0;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
}

.page-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 12px 20px;
  flex-wrap: nowrap;
  overflow-x: auto;
}

.page-nav .nav-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px 22px;
  font-size: 1.2rem;
  font-weight: 550;
  line-height: 1.3;
  color: #1e293b;
  text-decoration: none;
  border-radius: 14px;
  border: 1px solid transparent;
  background: rgba(255, 255, 255, 0.6);
  box-shadow: inset 0 0 0 0 rgba(14, 165, 233, 0.15);
  transition: all 0.25s ease;
  min-height: 44px;
  cursor: pointer;
}

.page-nav .nav-link:hover,
.page-nav .nav-link:focus-visible {
  color: #0e7490;
  border-color: rgba(14, 165, 233, 0.35);
  background: rgba(14, 165, 233, 0.12);
  box-shadow: inset 0 0 0 1px rgba(14, 165, 233, 0.25);
  text-decoration: none;
}

.page-nav .nav-link[aria-current="page"] {
  background: rgba(14, 165, 233, 0.2);
  border-color: rgba(14, 165, 233, 0.4);
  color: #0369a1;
  font-weight: 600;
}

.page-nav .nav-link-action {
  background: rgba(255, 255, 255, 0.6);
  border-color: transparent;
  box-shadow: inset 0 0 0 0 rgba(14, 165, 233, 0.15);
}

@media (max-width: 880px) {
  .page-global-header {
    position: static !important;
    top: auto !important;
  }

  .page-nav {
    overflow-x: auto;
    padding: 8px 12px;
    justify-content: flex-start;
  }

  .page-nav .nav-link {
    flex: 0 0 auto;
    padding: 10px 16px;
    min-width: auto;
    font-size: 1rem;
    white-space: nowrap;
  }
}

@media (max-width: 480px) {
  .page-nav .nav-link {
    flex: 0 0 auto;
    min-width: auto;
    padding: 8px 12px;
    font-size: 0.9rem;
  }
}

/* Back to Top Button */
.back-to-top {
  position: fixed;
  bottom: 20px;
  right: 20px;
  background: #0ea5e9;
  color: white;
  width: 45px;
  height: 45px;
  border-radius: 50%;
  display: none;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 999;
  border: none;
  box-shadow: 0 4px 12px rgba(14, 165, 233, 0.3);
  transition: all 0.3s ease;
}

.back-to-top:hover {
  background: #0284c7;
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(14, 165, 233, 0.4);
}

/* Insurance Header */
.insurance-header {
  background: linear-gradient(135deg, #0ea5e9 0%, #0284c7 100%);
  color: white;
  padding: 40px 20px;
  text-align: center;
}

.main-title {
  font-size: 2.2rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.main-subtitle {
  font-size: 1.1rem;
  margin-bottom: 15px;
  opacity: 0.95;
}

.important-info {
  font-size: 1rem;
  font-weight: 600;
  background: rgba(255, 255, 255, 0.2);
  padding: 10px 25px;
  border-radius: 25px;
  display: inline-block;
  margin-top: 10px;
}

/* Container */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 30px 20px;
}

/* Section */
.section {
  background: white;
  border-radius: 8px;
  padding: 25px;
  margin-bottom: 25px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  transition: box-shadow 0.3s ease;
}

.section:hover {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
}

.section-title {
  font-size: 1.8rem;
  color: #1e293b;
  margin-bottom: 20px;
  border-left: 4px solid #0ea5e9;
  padding-left: 15px;
  font-weight: 700;
}

/* Info Box */
.info-box {
  background: #f0f9ff;
  border-left: 4px solid #0ea5e9;
  padding: 15px;
  border-radius: 6px;
  margin-top: 15px;
}

.info-box h4 {
  color: #0369a1;
  margin-bottom: 8px;
  font-size: 1.1rem;
}

.info-box p {
  color: #475569;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Cards Grid */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin-top: 20px;
}

.info-card {
  background: #f8fafc;
  border-radius: 8px;
  padding: 20px;
  border-left: 4px solid #0ea5e9;
  transition: all 0.3s ease;
  cursor: pointer;
}

.info-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
  border-left-width: 5px;
}

.card-icon {
  font-size: 2rem;
  margin-bottom: 12px;
  display: block;
}

.info-card h3 {
  font-size: 1.2rem;
  color: #1e293b;
  margin-bottom: 12px;
  font-weight: 600;
}

.info-card p {
  color: #64748b;
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 10px;
}

.info-card ul {
  color: #475569;
  font-size: 0.9rem;
  line-height: 1.6;
  margin-left: 20px;
  margin-top: 10px;
}

.info-card ul li {
  margin-bottom: 6px;
}

/* Warning/Success Boxes */
.warning-box {
  background: #fee2e2;
  border-left: 4px solid #dc2626;
  padding: 15px;
  border-radius: 6px;
  margin-top: 15px;
  font-size: 0.95rem;
}

.warning-box h4 {
  color: #991b1b;
  margin-bottom: 8px;
  font-size: 1.1rem;
}

.success-box {
  background: #dcfce7;
  border-left: 4px solid #22c55e;
  padding: 15px;
  border-radius: 6px;
  margin-top: 15px;
  font-size: 0.95rem;
}

.success-box h4 {
  color: #166534;
  margin-bottom: 8px;
  font-size: 1.1rem;
}

/* Checklist */
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px;
  background: #f8fafc;
  border-radius: 6px;
  margin-bottom: 8px;
  font-size: 0.95rem;
  transition: background 0.2s ease;
}

.checklist-item:hover {
  background: #f1f5f9;
}

.checklist-item input {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  cursor: pointer;
  flex-shrink: 0;
}

.checklist-item label {
  cursor: pointer;
  flex: 1;
  color: #475569;
  line-height: 1.5;
}

/* Steps List */
.steps-list {
  list-style: none;
  margin-top: 15px;
}

.steps-list li {
  padding: 12px 15px 12px 40px;
  position: relative;
  margin-bottom: 10px;
  background: #f8fafc;
  border-radius: 6px;
  border-left: 3px solid #0ea5e9;
  font-size: 0.95rem;
  line-height: 1.6;
}

.steps-list li::before {
  content: attr(data-step);
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 24px;
  height: 24px;
  background: #0ea5e9;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: bold;
}

/* CTA Section */
.cta-section {
  background: linear-gradient(135deg, #1e293b 0%, #0f172a 100%);
  color: white;
  padding: 40px 20px;
  border-radius: 12px;
  text-align: center;
  margin-bottom: 30px;
}

.cta-section h2 {
  font-size: 2rem;
  margin-bottom: 15px;
}

.cta-section p {
  font-size: 1.1rem;
  margin-bottom: 20px;
  opacity: 0.9;
}

.cta-btn {
  padding: 14px 28px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 5px;
  font-size: 1rem;
  transition: all 0.3s ease;
}

.cta-btn-primary {
  background: #0ea5e9;
  color: white;
}

.cta-btn-primary:hover {
  background: #0284c7;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(14, 165, 233, 0.4);
}

/* Responsive Design */
@media (max-width: 1024px) {
  .cards-grid {
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 15px;
  }
}

@media (max-width: 768px) {
  .main-title {
    font-size: 1.8rem;
  }
  
  .main-subtitle {
    font-size: 1rem;
  }
  
  .section-title {
    font-size: 1.5rem;
  }
  
  .cards-grid {
    grid-template-columns: 1fr;
    gap: 15px;
  }
  
  .section {
    padding: 20px 15px;
  }
  
  .insurance-header {
    padding: 30px 15px;
  }
  
  .info-card {
    padding: 15px;
  }
}

@media (max-width: 480px) {
  .main-title {
    font-size: 1.5rem;
  }
  
  .section-title {
    font-size: 1.3rem;
  }
  
  .cards-grid {
    gap: 12px;
  }
}

/* Print Styles */
@media print {
  .back-to-top,
  .cta-section,
  .page-global-header {
    display: none !important;
  }
  
  .section {
    page-break-inside: avoid;
    margin-bottom: 20px;
  }
}

/* Language switching */
.lang-content {
  display: none;
}

.lang-content.active {
  display: block;
}

.lang-content.inline {
  display: inline;
}

.lang-content.inline.active {
  display: inline;
}