/* Modern Color Scheme */
:root {
  --primary: #004080;
  --primary-dark: #002b57;
  --primary-light: #e6f0fa;
  --secondary: #f4b942;
  --secondary-dark: #e6a722;
  --accent: #e63946;
  --accent-light: #fce8ea;
  --dark: #1a1a1a;
  --dark-gray: #4a4a4a;
  --gray: #6c757d;
  --light-gray: #e9ecef;
  --light: #f8f9fa;
  --white: #ffffff;
  --success: #28a745;
  
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.15);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.2);
  --transition: all 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
  --border-radius: 8px;
  --border-radius-sm: 4px;
}


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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  color: var(--dark);
  line-height: 1.6;
  background-color: var(--light);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1rem;
}

p {
  margin-bottom: 1rem;
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--primary-dark);
}

img {
  max-width: 100%;
  height: auto;
}

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}


.text-center {
  text-align: center;
}

.text-primary {
  color: var(--primary);
}

.text-secondary {
  color: var(--secondary);
}

.bg-primary {
  background-color: var(--primary);
}

.bg-light {
  background-color: var(--light);
}

.section {
  padding: 80px 0;
}

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

.section-subtitle {
  color: var(--secondary);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-size: 0.875rem;
  margin-bottom: 15px;
}

.section-title {
  font-size: 2.25rem;
  margin-bottom: 20px;
}

.section-description {
  color: var(--gray);
  max-width: 700px;
  margin: 0 auto;
}

.highlight {
  position: relative;
  z-index: 1;
}

.highlight::after {
  content: '';
  position: absolute;
  bottom: 5px;
  left: 0;
  width: 100%;
  height: 10px;
  background: rgba(244, 185, 66, 0.3);
  z-index: -1;
  transition: var(--transition);
}


.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  border-radius: var(--border-radius-sm);
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  gap: 8px;
}

.btn-primary {
  background: var(--secondary);
  color: var(--dark);
}

.btn-primary:hover {
  background: var(--secondary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.btn-outline {
  background: transparent;
  border-color: var(--primary);
  color: var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn-block {
  display: block;
  width: 100%;
}

.btn-large {
  padding: 16px 32px;
  font-size: 1.1rem;
}


.vmt-header {
  background: var(--white);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 12px 0;
  transition: var(--transition);
}

.header-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo-container img {
  height: 80px;
  transition: var(--transition);
}

.main-nav ul {
  display: flex;
  list-style: none;
  gap: 25px;
}

.main-nav a {
  color: var(--dark);
  text-decoration: none;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 10px 0;
  position: relative;
}

.main-nav a:hover {
  color: var(--primary);
}

.main-nav a:hover::after {
  width: 100%;
}

.main-nav a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: var(--transition);
}


.dropdown {
  position: relative;
}

.mega-menu {
  display: none;
  position: absolute;
  left: 0;
  width: 900px;
  background: var(--white);
  box-shadow: var(--shadow-lg);
  padding: 30px;
  border-radius: var(--border-radius);
  z-index: 100;
  margin-top: 15px;
  opacity: 0;
  transform: translateY(10px);
  transition: all 0.3s ease;
}

.dropdown:hover .mega-menu {
  display: flex;
  opacity: 1;
  transform: translateY(0);
}

.menu-column {
  flex: 1;
  padding: 0 15px;
}

.menu-column h4 {
  color: var(--primary);
  margin-bottom: 15px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.menu-column a {
  display: block;
  padding: 8px 0;
  color: var(--dark-gray);
  transition: var(--transition);
}

.menu-column a:hover {
  color: var(--primary);
  padding-left: 5px;
}

.menu-column a i {
  width: 20px;
  text-align: center;
  margin-right: 8px;
}


.header-actions {
  display: flex;
  align-items: center;
  gap: 20px;
}

.call-link {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--dark);
}

.call-text {
  display: flex;
  flex-direction: column;
}

.call-text span {
  font-size: 0.75rem;
  color: var(--gray);
}

.call-text strong {
  font-weight: 700;
  color: var(--primary);
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  width: 30px;
  height: 24px;
  flex-direction: column;
  justify-content: space-between;
  cursor: pointer;
}

.mobile-menu-toggle span {
  display: block;
  width: 100%;
  height: 3px;
  background: var(--primary);
  transition: var(--transition);
}


.hero-section {
  padding: 120px 0 80px;
  background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
  position: relative;
  overflow: hidden;
}

.hero-section .container {
  display: flex;
  align-items: center;
  gap: 50px;
}

.hero-content {
  flex: 1;
  max-width: 600px;
}

.hero-image {
  flex: 1;
  position: relative;
}

.hero-image img {
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
}

.hero-content h1 {
  font-size: 2.75rem;
  margin-bottom: 20px;
  line-height: 1.2;
}

.subtitle {
  color: var(--gray);
  margin-bottom: 30px;
  font-size: 1.1rem;
}

.hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 15px;
  margin-bottom: 30px;
}

.feature {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.875rem;
  box-shadow: var(--shadow-sm);
}

.feature i {
  color: var(--success);
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}

.trust-badge span {
  font-size: 0.875rem;
  font-weight: 500;
}


.quote-tabs {
  background: var(--white);
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  margin-top: 30px;
}

.tabs-header {
  display: flex;
  border-bottom: 1px solid var(--light-gray);
}

.tab-btn {
  flex: 1;
  padding: 15px;
  background: none;
  border: none;
  cursor: pointer;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: var(--transition);
}

.tab-btn.active {
  color: var(--primary);
  border-bottom: 3px solid var(--primary);
}

.tab-btn:hover:not(.active) {
  background: var(--light);
}

.tab-content {
  display: none;
  padding: 30px;
}

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


.quote-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-row {
  display: flex;
  gap: 20px;
}

.form-group {
  flex: 1;
}

label {
  display: block;
  margin-bottom: 8px;
  font-weight: 500;
  color: var(--dark-gray);
}

select, input[type="text"], input[type="email"], input[type="tel"] {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--light-gray);
  border-radius: var(--border-radius-sm);
  font-family: inherit;
  transition: var(--transition);
}

select:focus, input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0, 64, 128, 0.1);
}

.range-slider {
  margin-top: 10px;
}

.range-slider input[type="range"] {
  width: 100%;
  margin: 10px 0;
}

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--gray);
}

.form-note {
  font-size: 0.75rem;
  color: var(--gray);
  text-align: center;
  margin-top: 10px;
}


.floating-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--white);
  border-radius: var(--border-radius);
  padding: 15px;
  box-shadow: var(--shadow-md);
  z-index: 1;
}

.badge-content {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.rating {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.stars {
  color: var(--secondary);
  margin: 5px 0;
}


.partners-section {
  padding: 60px 0;
  background: var(--white);
}

.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 30px;
  margin-top: 40px;
}

.partner-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 15px;
  padding: 30px 20px;
  background: var(--light);
  border-radius: var(--border-radius);
  transition: var(--transition);
}

.partner-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-sm);
}

.partner-card img {
  height: 40px;
  object-fit: contain;
}

.partner-card span {
  font-size: 0.75rem;
  color: var(--gray);
  text-align: center;
}


.insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 30px;
  margin-top: 40px;
}

.insurance-card {
  background: var(--white);
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
}

.insurance-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-lg);
}

.card-header {
  padding: 25px;
  background: var(--primary);
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 15px;
}

.card-header .icon {
  width: 50px;
  height: 50px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
}

.card-body {
  padding: 25px;
}

.benefits-list {
  list-style: none;
  margin-bottom: 20px;
}

.benefits-list li {
  margin-bottom: 12px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.benefits-list i {
  color: var(--success);
  margin-top: 3px;
}

.premium-example {
  padding: 15px;
  background: var(--light);
  border-radius: var(--border-radius-sm);
  font-size: 0.875rem;
  text-align: center;
  margin-top: 20px;
}

.card-footer {
  display: flex;
  padding: 0 25px 25px;
  gap: 15px;
}

.best-seller-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--secondary);
  color: var(--dark);
  padding: 5px 15px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 5px;
}


.investment-tabs {
  background: var(--white);
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.tab-buttons {
  display: flex;
  border-bottom: 1px solid var(--light-gray);
}

.inv-tab-btn {
  flex: 1;
  padding: 20px;
  background: none;
  border: none;
  cursor: pointer;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: var(--transition);
}

.inv-tab-btn.active {
  color: var(--primary);
  border-bottom: 3px solid var(--primary);
}

.inv-tab-btn:hover:not(.active) {
  background: var(--light);
}

.inv-tab-content {
  display: none;
  padding: 40px;
}

.inv-tab-content.active {
  display: flex;
  gap: 40px;
}

.content-left {
  flex: 1;
}

.content-right {
  flex: 1;
}

.performance-metrics {
  display: flex;
  gap: 20px;
  margin: 25px 0;
}

.metric {
  flex: 1;
  text-align: center;
  padding: 15px;
  background: var(--light);
  border-radius: var(--border-radius);
}

.metric .value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.metric .label {
  font-size: 0.875rem;
  color: var(--gray);
}

.feature-list {
  list-style: none;
  margin-top: 25px;
}

.feature-list li {
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.feature-list i {
  color: var(--success);
}

.fund-categories {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.fund-category {
  padding: 20px;
  background: var(--light);
  border-radius: var(--border-radius);
  transition: var(--transition);
}

.fund-category:hover {
  background: var(--primary-light);
  transform: translateY(-5px);
}

.fund-category h4 {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.fund-category h4 i {
  color: var(--primary);
}

.fund-category p {
  font-size: 0.875rem;
  color: var(--gray);
  margin-bottom: 15px;
}

.fund-category a {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 5px;
}


.differentiators-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 30px;
}

.differentiator-card {
  background: var(--white);
  padding: 30px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  text-align: center;
}

.differentiator-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}

.differentiator-card .icon {
  width: 60px;
  height: 60px;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 20px;
}


.testimonial-slider {
  margin: 50px 0;
}

.testimonial-card {
  background: var(--white);
  padding: 30px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-sm);
  margin: 0 15px;
}

.client-info {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 20px;
}

.client-info img {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  object-fit: cover;
}

.client-details h4 {
  margin-bottom: 5px;
}

.client-details p {
  font-size: 0.875rem;
  color: var(--gray);
  margin-bottom: 5px;
}

.rating {
  color: var(--secondary);
}

.testimonial-text {
  font-style: italic;
  color: var(--dark-gray);
  position: relative;
  padding-left: 20px;
}

.testimonial-text::before {
  content: '"';
  position: absolute;
  left: 0;
  top: -10px;
  font-size: 3rem;
  color: var(--light-gray);
  font-family: serif;
  line-height: 1;
}

.ratings-summary {
  display: flex;
  justify-content: center;
  gap: 40px;
  margin-top: 50px;
}

.rating-card {
  text-align: center;
}

.platform img {
  height: 30px;
  margin-bottom: 10px;
}

.score {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 5px;
}


.cta-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: var(--white);
  text-align: center;
}

.cta-content h2 {
  font-size: 2.25rem;
  margin-bottom: 20px;
}

.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-top: 30px;
}

.vmt-footer {
  background: var(--dark);
  color: var(--white);
  padding: 80px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 40px;
  margin-bottom: 60px;
}

.footer-col h4 {
  color: var(--white);
  margin-bottom: 20px;
  font-size: 1.125rem;
}

.footer-about {
  color: var(--light-gray);
  margin: 20px 0;
  font-size: 0.875rem;
}

.social-links {
  display: flex;
  gap: 15px;
}

.social-links a {
  width: 36px;
  height: 36px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: var(--transition);
}

.social-links a:hover {
  background: var(--secondary);
  color: var(--dark);
}

.footer-col ul li {
  margin-bottom: 12px;
}

.footer-col a {
  color: var(--light-gray);
  font-size: 0.875rem;
  transition: var(--transition);
}

.footer-col a:hover {
  color: var(--secondary);
  padding-left: 5px;
}

.contact-item {
  display: flex;
  gap: 15px;
  margin-bottom: 15px;
}

.contact-item i {
  color: var(--secondary);
  margin-top: 3px;
}

.contact-item a, .contact-item address, .contact-item p {
  color: var(--light-gray);
  font-size: 0.875rem;
  font-style: normal;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 30px 0;
}

.footer-legal {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-legal p {
  color: var(--light-gray);
  font-size: 0.75rem;
  margin: 0;
}

.legal-links {
  display: flex;
  gap: 20px;
}

.legal-links a {
  color: var(--light-gray);
  font-size: 0.75rem;
}

.footer-badges {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-top: 30px;
}

.footer-badges img {
  height: 40px;
  opacity: 0.8;
  transition: var(--transition);
}

.footer-badges img:hover {
  opacity: 1;
}


.floating-cta {
  position: fixed;
  bottom: 30px;
  right: 30px;
  display: flex;
  flex-direction: column;
  gap: 15px;
  z-index: 999;
}

.whatsapp-cta, .call-cta {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  box-shadow: var(--shadow-lg);
  transition: var(--transition);
}

.whatsapp-cta {
  background: #25D366;
  color: var(--white);
}

.call-cta {
  background: var(--primary);
  color: var(--white);
}

.whatsapp-cta:hover, .call-cta:hover {
  transform: translateY(-5px) scale(1.1);
}


.scroll-indicator {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  color: var(--gray);
  animation: bounce 2s infinite;
}

.scroll-indicator i {
  margin-top: 5px;
}

@keyframes bounce {
  0%, 20%, 50%, 80%, 100% {
    transform: translateY(0) translateX(-50%);
  }
  40% {
    transform: translateY(-20px) translateX(-50%);
  }
  60% {
    transform: translateY(-10px) translateX(-50%);
  }
}


@media (max-width: 1024px) {
  .mega-menu {
    width: 700px;
  }
  
  .hero-section .container {
    flex-direction: column;
    text-align: center;
  }
  
  .hero-content {
    max-width: 100%;
  }
  
  .hero-features {
    justify-content: center;
  }
  
  .inv-tab-content.active {
    flex-direction: column;
  }
  
  .cta-buttons {
    flex-direction: column;
    align-items: center;
  }
}

@media (max-width: 768px) {
  .header-container {
    flex-wrap: wrap;
  }
  
  .main-nav {
    order: 3;
    width: 100%;
    margin-top: 20px;
    display: none;
  }
  
  .main-nav.active {
    display: block;
  }
  
  .main-nav ul {
    flex-direction: column;
    gap: 5px;
  }
  
  .mega-menu {
    position: static;
    width: 100%;
    box-shadow: none;
    padding: 15px 0;
    opacity: 1;
    transform: none;
    display: none;
  }
  
  .dropdown:hover .mega-menu {
    display: none;
  }
  
  .dropdown.active .mega-menu {
    display: flex;
    flex-direction: column;
  }
  
  .menu-column {
    padding: 10px 0;
  }
  
  .mobile-menu-toggle {
    display: flex;
  }
  
  .header-actions {
    margin-left: auto;
  }
  
  .section {
    padding: 60px 0;
  }
  
  .form-row {
    flex-direction: column;
    gap: 15px;
  }
  
  .fund-categories {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .section-title {
    font-size: 1.75rem;
  }
  
  .hero-content h1 {
    font-size: 2rem;
  }
  
  .tab-buttons, .inv-tab-buttons {
    flex-wrap: wrap;
  }
  
  .tab-btn, .inv-tab-btn {
    flex: 1 0 50%;
    padding: 12px;
    font-size: 0.875rem;
  }
  
  .tab-content, .inv-tab-content {
    padding: 20px;
  }
  
  .insurance-grid {
    grid-template-columns: 1fr;
  }
  
  .card-footer {
    flex-direction: column;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
}