:root {
  --home-navy: #102545;
  --home-navy-deep: #08182e;
  --home-navy-soft: #18365f;
  --home-gold: #d6b85c;
  --home-gold-light: #f1da91;
  --home-cream: #f6f3eb;
  --home-surface: #ffffff;
  --home-ink: #14213a;
  --home-muted: #5e6a7d;
  --home-line: #dfe5ec;
  --home-green: #087a45;
  --home-shadow: 0 18px 55px rgba(16, 37, 69, .12);
  --home-radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  overflow-x: hidden;
  background: var(--home-surface);
  color: var(--home-ink);
  font-family: "Segoe UI", Arial, sans-serif;
  line-height: 1.6;
}

body h1,
body h2,
body h3,
body p { margin-top: 0; }

body h1,
body h2,
body h3 {
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.15;
}

body a { color: inherit; text-decoration: none; }
body button,
body input,
body select,
body textarea { font: inherit; }

.home-container {
  width: min(1180px, calc(100% - 40px));
  margin-inline: auto;
}

#asigurari,
#cum-functioneaza,
#intrebari,
#oferta-rapida { scroll-margin-top: 125px; }

.home-header {
  position: sticky;
  z-index: 800;
  top: 0;
  box-shadow: 0 4px 24px rgba(8, 24, 46, .12);
}

.home-topbar { background: var(--home-navy-deep); color: rgba(255, 255, 255, .82); }
.home-topbar__inner {
  display: flex;
  min-height: 38px;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  font-size: .78rem;
}
.home-topbar__links { display: flex; align-items: center; gap: 24px; }
.home-topbar a:hover { color: #fff; }

.home-navbar { background: rgba(255, 255, 255, .98); }
.home-navbar__inner {
  display: flex;
  min-height: 78px;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.home-logo { display: inline-flex; align-items: center; gap: 11px; flex-shrink: 0; }
.home-logo__mark {
  display: grid;
  width: 42px;
  height: 46px;
  place-items: center;
  border-radius: 50% 50% 48% 48% / 35% 35% 65% 65%;
  background: var(--home-navy);
  color: var(--home-gold-light);
  font: 700 .83rem/1 "Segoe UI", Arial, sans-serif;
  box-shadow: inset 0 0 0 2px rgba(214, 184, 92, .45);
}
.home-logo strong { display: block; color: var(--home-navy); font: 700 1.08rem/1.15 Georgia, serif; }
.home-logo small { display: block; margin-top: 3px; color: #7a6430; font-size: .63rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }

.home-menu { display: flex; align-items: center; gap: 4px; }
.home-menu > a {
  padding: 9px 11px;
  border-radius: 8px;
  color: #33425a;
  font-size: .82rem;
  font-weight: 700;
}
.home-menu > a:hover { background: #f0f3f7; color: var(--home-navy); }
.home-menu .home-nav-cta { margin-left: 6px; padding-inline: 17px; background: var(--home-gold); color: var(--home-navy); }
.home-menu .home-nav-cta:hover { background: var(--home-gold-light); }

.home-menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 0;
  border-radius: 9px;
  background: transparent;
  cursor: pointer;
}
.home-menu-toggle > span[aria-hidden="true"] { display: block; height: 2px; margin: 5px 0; border-radius: 2px; background: var(--home-navy); }

.home-hero {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(5, 18, 39, .89) 0%, rgba(8, 27, 55, .81) 38%, rgba(9, 30, 59, .59) 67%, rgba(6, 19, 40, .46) 100%),
    linear-gradient(0deg, rgba(4, 15, 32, .34), transparent 46%),
    url('/hero-asigurari-craiova.webp') 62% center / cover no-repeat;
  color: #fff;
}
.home-hero::after {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 82% 48%, rgba(214, 184, 92, .08), transparent 26%);
  content: "";
  pointer-events: none;
}
.home-hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  min-height: 680px;
  grid-template-columns: minmax(0, 1.05fr) minmax(420px, .85fr);
  align-items: center;
  gap: 68px;
  padding-block: 72px;
}

.home-eyebrow,
.home-section__kicker,
.quote-panel__kicker {
  margin-bottom: 12px;
  color: #8a6b1c;
  font-size: .72rem;
  font-weight: 900;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.home-hero .home-eyebrow { color: var(--home-gold-light); }
.home-hero h1 { max-width: 680px; margin-bottom: 22px; font-size: clamp(2.5rem, 4.3vw, 4.25rem); letter-spacing: -.035em; }
.home-hero h1 span { color: var(--home-gold-light); }
.home-hero__lead { max-width: 650px; margin-bottom: 30px; color: rgba(255, 255, 255, .76); font-size: 1.05rem; line-height: 1.75; }
.home-hero__actions { display: flex; flex-wrap: wrap; gap: 11px; margin-bottom: 28px; }

.home-btn {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  padding: 12px 21px;
  border: 1px solid transparent;
  border-radius: 10px;
  font-weight: 800;
  line-height: 1.2;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.home-btn:hover { transform: translateY(-2px); }
.home-btn--gold { background: var(--home-gold); color: var(--home-navy-deep); box-shadow: 0 9px 25px rgba(214, 184, 92, .2); }
.home-btn--gold:hover { background: var(--home-gold-light); }
.home-btn--outline { border-color: rgba(255,255,255,.34); background: rgba(255,255,255,.04); color: #fff; }
.home-btn--outline:hover { background: rgba(255,255,255,.1); }
.home-btn--dark { background: var(--home-navy); color: #fff; }
.home-btn--dark:hover { background: var(--home-navy-soft); }
.home-btn--submit { width: 100%; border: 0; background: var(--home-green); color: #fff; box-shadow: 0 9px 24px rgba(8, 122, 69, .18); }
.home-btn--submit:hover { background: #06683a; }

.home-proof-list { display: flex; flex-wrap: wrap; gap: 9px 20px; margin: 0; padding: 0; list-style: none; color: rgba(255,255,255,.8); font-size: .82rem; font-weight: 700; }

.quote-panel { padding: 31px; border: 1px solid rgba(255,255,255,.55); border-radius: 24px; background: #fff; color: var(--home-ink); box-shadow: 0 30px 80px rgba(0,0,0,.28); }
.quote-panel h2 { margin-bottom: 8px; color: var(--home-navy); font-size: 2rem; }
.quote-panel > p:not(.quote-panel__kicker) { margin-bottom: 23px; color: var(--home-muted); font-size: .88rem; }
.quote-form { display: grid; gap: 14px; }
.quote-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quote-field { display: grid; gap: 6px; }
.quote-field label { color: #2f3d52; font-size: .76rem; font-weight: 800; }
.quote-field label span { color: var(--home-muted); font-weight: 500; }
.quote-field select,
.quote-field textarea {
  width: 100%;
  border: 1px solid #cdd5df;
  border-radius: 9px;
  background: #fbfcfd;
  color: var(--home-ink);
  outline: 0;
}
.quote-field select { min-height: 46px; padding: 8px 36px 8px 11px; }
.quote-field textarea { min-height: 78px; padding: 10px 11px; resize: vertical; }
.quote-field select:focus,
.quote-field textarea:focus { border-color: #8f731e; box-shadow: 0 0 0 3px rgba(214, 184, 92, .22); }
.quote-consent { display: grid; grid-template-columns: 18px 1fr; align-items: start; gap: 9px; color: var(--home-muted); font-size: .71rem; line-height: 1.5; cursor: pointer; }
.quote-consent input { width: 17px; height: 17px; margin: 2px 0 0; accent-color: var(--home-green); }
.quote-consent a { color: #725913; font-weight: 800; text-decoration: underline; }
.quote-form__note { margin: -4px 0 0; color: #7b8492; font-size: .68rem; text-align: center; }

.trust-strip { border-bottom: 1px solid var(--home-line); background: #fff; }
.trust-strip__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-strip__grid > div { display: grid; grid-template-columns: 40px 1fr; align-items: center; padding: 24px 18px; border-right: 1px solid var(--home-line); }
.trust-strip__grid > div:last-child { border-right: 0; }
.trust-strip__grid > div > span { grid-row: 1 / 3; font-size: 1.45rem; }
.trust-strip strong { color: var(--home-navy); font-size: .8rem; }
.trust-strip small { color: var(--home-muted); font-size: .68rem; }

.home-section { padding-block: 88px; }
.home-section--soft { background: var(--home-cream); }
.home-section__heading { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, .7fr); align-items: end; gap: 50px; margin-bottom: 38px; }
.home-section__heading h2 { max-width: 700px; margin-bottom: 0; color: var(--home-navy); font-size: clamp(2rem, 3.4vw, 3rem); letter-spacing: -.025em; }
.home-section__heading > p { max-width: 520px; margin-bottom: 3px; color: var(--home-muted); font-size: .92rem; }
.home-section__heading--center { display: block; max-width: 760px; margin-inline: auto; text-align: center; }
.home-section__heading--center > p { margin: 14px auto 0; }

.insurance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.insurance-card {
  position: relative;
  display: flex;
  min-height: 278px;
  flex-direction: column;
  align-items: flex-start;
  padding: 26px;
  border: 1px solid #e2e6eb;
  border-radius: var(--home-radius);
  background: #fff;
  box-shadow: 0 6px 24px rgba(16,37,69,.05);
  transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease;
}
.insurance-card:hover { transform: translateY(-4px); border-color: #c5a84f; box-shadow: var(--home-shadow); }
.insurance-card__icon { display: grid; width: 48px; height: 48px; place-items: center; margin-bottom: 22px; border-radius: 14px; background: #eef3f8; font-size: 1.45rem; }
.insurance-card__tag { position: absolute; top: 28px; right: 24px; padding: 4px 8px; border-radius: 999px; background: #f5ead0; color: #745a16; font-size: .6rem; font-weight: 900; letter-spacing: .06em; text-transform: uppercase; }
.insurance-card__tag--blue { background: #e8eff7; color: #325577; }
.insurance-card h3 { margin-bottom: 10px; color: var(--home-navy); font-size: 1.35rem; }
.insurance-card p { flex: 1; margin-bottom: 20px; color: var(--home-muted); font-size: .82rem; }
.insurance-card strong { color: #735912; font-size: .77rem; }
.more-products { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 8px; margin-top: 28px; color: var(--home-muted); font-size: .75rem; }
.more-products > span { margin-right: 3px; font-weight: 800; }
.more-products a { padding: 6px 10px; border: 1px solid #d5dce4; border-radius: 999px; background: #fff; color: #3f4d62; font-weight: 700; }
.more-products a:hover { border-color: #9a7d26; color: #705713; }

.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.benefit-card { padding: 28px; border: 1px solid var(--home-line); border-radius: var(--home-radius); background: #fff; text-align: center; }
.benefit-card > span { display: grid; width: 56px; height: 56px; place-items: center; margin: 0 auto 20px; border-radius: 50%; background: var(--home-cream); font-size: 1.6rem; }
.benefit-card h3 { margin-bottom: 10px; color: var(--home-navy); font-size: 1.2rem; }
.benefit-card p { margin-bottom: 0; color: var(--home-muted); font-size: .83rem; }

.home-process { overflow: hidden; background: linear-gradient(135deg, var(--home-navy-deep), var(--home-navy)); color: #fff; }
.home-section__heading--light h2 { color: #fff; }
.home-section__heading--light > p { color: rgba(255,255,255,.68); }
.home-process .home-section__kicker { color: var(--home-gold-light); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.process-card { position: relative; min-height: 255px; padding: 29px; border: 1px solid rgba(255,255,255,.14); border-radius: var(--home-radius); background: rgba(255,255,255,.055); }
.process-card__number { position: absolute; top: 20px; right: 22px; color: rgba(255,255,255,.14); font-size: 2.6rem; font-weight: 900; }
.process-card__icon { display: block; margin-bottom: 48px; font-size: 1.55rem; }
.process-card h3 { margin-bottom: 10px; color: #fff; font-size: 1.25rem; }
.process-card p { margin-bottom: 0; color: rgba(255,255,255,.68); font-size: .82rem; }

.calculator-promo { display: grid; grid-template-columns: 74px minmax(0, 1fr) auto; align-items: center; gap: 25px; padding: 34px; border: 1px solid #e2d39f; border-radius: 22px; background: linear-gradient(120deg, #fffdf7, #f7edcf); box-shadow: 0 15px 45px rgba(95,75,20,.08); }
.calculator-promo__icon { display: grid; width: 68px; height: 68px; place-items: center; border-radius: 18px; background: var(--home-navy); font-size: 2rem; }
.calculator-promo h2 { margin-bottom: 8px; color: var(--home-navy); font-size: 1.8rem; }
.calculator-promo p:not(.home-section__kicker) { margin-bottom: 0; color: var(--home-muted); font-size: .83rem; }

.transparency-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.transparency-grid article { padding: 32px; border: 1px solid #ded7c5; border-radius: var(--home-radius); background: #fff; }
.transparency-grid article > span { display: inline-flex; margin-bottom: 18px; padding: 5px 9px; border-radius: 999px; background: var(--home-navy); color: var(--home-gold-light); font-size: .63rem; font-weight: 900; letter-spacing: .12em; }
.transparency-grid h3 { margin-bottom: 12px; color: var(--home-navy); font-size: 1.45rem; }
.transparency-grid p,
.transparency-grid li { color: var(--home-muted); font-size: .81rem; }
.transparency-grid ul { margin: 20px 0 0; padding-left: 19px; }
.transparency-grid li { margin-bottom: 8px; }

.faq-layout { display: grid; grid-template-columns: .7fr 1.3fr; align-items: start; gap: 70px; }
.faq-intro { position: sticky; top: 145px; }
.faq-intro h2 { margin-bottom: 16px; color: var(--home-navy); font-size: 2.35rem; }
.faq-intro > p:not(.home-section__kicker) { color: var(--home-muted); font-size: .9rem; }
.home-text-link { color: #705713; font-size: .82rem; font-weight: 900; }
.faq-list { border-top: 1px solid var(--home-line); }
.faq-list details { border-bottom: 1px solid var(--home-line); }
.faq-list summary { position: relative; padding: 21px 42px 21px 0; color: var(--home-navy); font-weight: 800; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { position: absolute; top: 18px; right: 5px; content: "+"; color: #8a6b1c; font-size: 1.5rem; line-height: 1; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { max-width: 720px; margin: -3px 40px 22px 0; color: var(--home-muted); font-size: .83rem; }

.home-cta { padding-block: 66px; background: var(--home-navy); color: #fff; }
.home-cta__inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.home-cta h2 { margin-bottom: 8px; font-size: 2.35rem; }
.home-cta p:not(.home-section__kicker) { margin-bottom: 0; color: rgba(255,255,255,.68); }
.home-cta .home-section__kicker { color: var(--home-gold-light); }
.home-cta__actions { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 10px; flex-shrink: 0; }

.home-footer { padding-top: 58px; background: #071426; color: rgba(255,255,255,.64); }
.home-footer__grid { display: grid; grid-template-columns: 1.7fr 1fr 1.1fr 1.1fr; gap: 45px; padding-bottom: 45px; }
.home-logo--footer strong { color: #fff; }
.home-footer__brand p { max-width: 370px; margin: 20px 0 0; font-size: .75rem; }
.home-footer h3 { margin: 4px 0 16px; color: #fff; font: 800 .72rem/1.2 "Segoe UI", Arial, sans-serif; letter-spacing: .1em; text-transform: uppercase; }
.home-footer__grid > div:not(.home-footer__brand) { display: flex; flex-direction: column; align-items: flex-start; gap: 9px; }
.home-footer__grid a,
.home-footer__grid span { font-size: .75rem; }
.home-footer__grid a:hover { color: #fff; }
.home-footer__bottom { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-block: 20px; border-top: 1px solid rgba(255,255,255,.1); font-size: .67rem; }

.home-whatsapp {
  position: fixed;
  z-index: 600;
  right: 18px;
  bottom: 18px;
  display: flex;
  min-height: 48px;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border: 2px solid rgba(255,255,255,.85);
  border-radius: 999px;
  background: var(--home-green);
  color: #fff;
  box-shadow: 0 10px 30px rgba(0,0,0,.2);
  font-size: .78rem;
}
.home-whatsapp span { font-size: 1.1rem; }

@media (max-width: 1020px) {
  .home-menu-toggle { display: block; }
  .home-menu {
    position: absolute;
    top: 100%;
    right: 20px;
    left: 20px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 3px;
    padding: 13px;
    border: 1px solid var(--home-line);
    border-radius: 14px;
    background: #fff;
    box-shadow: var(--home-shadow);
  }
  .home-menu.is-open { display: flex; }
  .home-menu > a { padding: 11px 12px; }
  .home-menu .home-nav-cta { margin: 4px 0 0; text-align: center; }
  .home-hero__grid { grid-template-columns: 1fr 420px; gap: 34px; }
  .home-hero h1 { font-size: 3.1rem; }
  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .home-footer__grid { grid-template-columns: 1.6fr 1fr 1fr; }
  .home-footer__grid > div:last-child { grid-column: 2 / 4; }
}

@media (max-width: 820px) {
  .home-header { position: relative; }
  .home-topbar { display: none; }
  .home-navbar__inner { min-height: 68px; }
  .home-hero {
    background:
      linear-gradient(180deg, rgba(5, 18, 39, .86) 0%, rgba(6, 22, 47, .76) 36%, rgba(5, 18, 39, .91) 100%),
      url('/hero-asigurari-craiova.webp') 72% center / cover no-repeat;
  }
  .home-hero__grid { grid-template-columns: 1fr; gap: 38px; padding-block: 55px; }
  .home-hero__copy { text-align: center; }
  .home-hero h1,
  .home-hero__lead { margin-inline: auto; }
  .home-hero__actions,
  .home-proof-list { justify-content: center; }
  .quote-panel { max-width: 560px; margin-inline: auto; }
  .trust-strip__grid { grid-template-columns: 1fr 1fr; }
  .trust-strip__grid > div:nth-child(2) { border-right: 0; }
  .trust-strip__grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--home-line); }
  .home-section__heading { display: block; text-align: center; }
  .home-section__heading > p { margin: 14px auto 0; }
  .benefit-grid,
  .process-grid { grid-template-columns: 1fr; }
  .process-card { min-height: auto; }
  .process-card__icon { margin-bottom: 30px; }
  .calculator-promo { grid-template-columns: 64px 1fr; }
  .calculator-promo .home-btn { grid-column: 1 / -1; }
  .transparency-grid { grid-template-columns: 1fr; }
  .faq-layout { grid-template-columns: 1fr; gap: 32px; }
  .faq-intro { position: static; text-align: center; }
  .home-cta__inner { align-items: flex-start; flex-direction: column; text-align: center; }
  .home-cta__actions { width: 100%; justify-content: center; }
}

@media (max-width: 620px) {
  .home-container { width: min(100% - 28px, 1180px); }
  .home-logo strong { font-size: .94rem; }
  .home-logo small { font-size: .55rem; }
  .home-logo__mark { width: 36px; height: 40px; }
  .home-navbar__inner { min-height: 64px; }
  .home-menu { right: 14px; left: 14px; }
  .home-hero__grid { padding-block: 43px 50px; }
  .home-hero h1 { font-size: 2.35rem; }
  .home-hero__lead { font-size: .93rem; }
  .home-hero__actions { display: grid; }
  .home-hero__actions .home-btn { width: 100%; }
  .home-proof-list { display: grid; gap: 6px; }
  .quote-panel { padding: 22px 18px; border-radius: 18px; }
  .quote-panel h2 { font-size: 1.7rem; }
  .quote-form__row { grid-template-columns: 1fr; }
  .trust-strip__grid { grid-template-columns: 1fr; }
  .trust-strip__grid > div { border-right: 0; border-bottom: 1px solid var(--home-line); }
  .trust-strip__grid > div:last-child { border-bottom: 0; }
  .home-section { padding-block: 64px; }
  .home-section__heading { margin-bottom: 29px; }
  .home-section__heading h2 { font-size: 2rem; }
  .insurance-grid { grid-template-columns: 1fr; }
  .insurance-card { min-height: 250px; }
  .more-products { align-items: stretch; flex-direction: column; }
  .more-products > span { text-align: center; }
  .more-products a { text-align: center; }
  .calculator-promo { display: block; padding: 24px; text-align: center; }
  .calculator-promo__icon { margin: 0 auto 20px; }
  .calculator-promo .home-btn { width: 100%; margin-top: 20px; }
  .transparency-grid article { padding: 25px 22px; }
  .faq-intro h2 { font-size: 2rem; }
  .home-cta h2 { font-size: 2rem; }
  .home-cta__actions { display: grid; }
  .home-cta__actions .home-btn { width: 100%; }
  .home-footer__grid { grid-template-columns: 1fr 1fr; gap: 34px 20px; }
  .home-footer__brand { grid-column: 1 / -1; }
  .home-footer__grid > div:last-child { grid-column: auto; }
  .home-footer__bottom { align-items: flex-start; flex-direction: column; }
  .home-whatsapp { right: 12px; bottom: 12px; min-width: 48px; justify-content: center; padding: 10px 13px; }
  .home-whatsapp strong { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .home-btn,
  .insurance-card { transition: none; }
}