/* ============================================================
   VARIABLES & RESET
   ============================================================ */
:root {
  --blue:       #1B4F8A;
  --blue-dark:  #0d2b4e;
  --blue-mid:   #2563eb;
  --blue-light: #dbeafe;
  --green:      #059669;
  --green-dark: #047857;
  --green-light:#d1fae5;
  --bg:         #f0f4f9;
  --white:      #ffffff;
  --text:       #0f172a;
  --text-md:    #475569;
  --text-sm:    #94a3b8;
  --border:     #e2e8f0;
  --red:        #ef4444;
  --red-light:  #fee2e2;
  --radius:     14px;
  --radius-sm:  8px;
  --shadow:     0 2px 8px rgba(15,23,42,.08), 0 1px 3px rgba(15,23,42,.06);
  --shadow-md:  0 8px 24px rgba(15,23,42,.10), 0 2px 8px rgba(15,23,42,.06);
  --shadow-lg:  0 20px 48px rgba(15,23,42,.12), 0 6px 16px rgba(15,23,42,.08);
  --transition: .25s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 15px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; }
a { text-decoration: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   HEADER
   ============================================================ */
.header {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 100%);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 16px rgba(0,0,0,.18);
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: white;
}

.logo-icon {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-icon svg { width: 28px; height: 28px; }

.logo-text { display: flex; flex-direction: column; }
.logo-main { font-size: 17px; font-weight: 700; color: white; line-height: 1.2; }
.logo-sub  { font-size: 11px; color: rgba(255,255,255,.6); font-weight: 400; }

.header-contact {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.9);
  font-size: 14px;
  font-weight: 500;
  background: rgba(255,255,255,.1);
  padding: 8px 14px;
  border-radius: 8px;
  transition: background var(--transition);
}

.header-contact:hover { background: rgba(255,255,255,.18); }
.header-contact svg { flex-shrink: 0; }

/* ============================================================
   SECTIONS
   ============================================================ */
.section { display: none; animation: fadeUp .35s ease; }
.section.active { display: block; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 60%, #2563eb 100%);
  padding: 72px 0 100px;
  position: relative;
  overflow: hidden;
  color: white;
}

.hero-decor {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,.05);
  pointer-events: none;
}

.hero-decor-1 { width: 600px; height: 600px; top: -200px; right: -150px; }
.hero-decor-2 { width: 300px; height: 300px; bottom: -100px; left: -80px; }
.hero-decor-3 { width: 180px; height: 180px; top: 40px; left: 40%; background: rgba(255,255,255,.04); }

.hero-content { position: relative; z-index: 1; max-width: 620px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.95);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}

.hero h1 {
  font-size: clamp(32px, 5vw, 50px);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 16px;
  color: white;
}

.hero p {
  font-size: 17px;
  color: rgba(255,255,255,.8);
  line-height: 1.7;
  max-width: 500px;
}

.hero-wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  line-height: 0;
}

.hero-wave svg { width: 100%; height: 80px; }

/* ============================================================
   HOME BODY
   ============================================================ */
.home-body { padding: 60px 0 80px; }

.section-header {
  text-align: center;
  margin-bottom: 48px;
}

.section-header h2 {
  font-size: 28px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}

.section-header p {
  color: var(--text-md);
  font-size: 16px;
}

/* ============================================================
   INSURANCE CARDS
   ============================================================ */
.cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 60px;
}

.insurance-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 2px solid transparent;
  padding: 28px;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.insurance-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 60%, rgba(37,99,235,.03) 100%);
  pointer-events: none;
}

.insurance-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: #bfdbfe;
}

#card-ns:hover { border-color: #a7f3d0; }

.card-top {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.card-icon-wrap {
  width: 72px;
  height: 72px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.icon-blue { background: var(--blue-light); color: var(--blue-mid); }
.icon-green { background: var(--green-light); color: var(--green); }

.card-icon-wrap svg { width: 44px; height: 44px; }

.card-label-wrap { flex: 1; }

.card-type-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 4px;
}

.badge-blue  { background: var(--blue-light);  color: var(--blue-mid); }
.badge-green { background: var(--green-light); color: var(--green-dark); }

.insurance-card h3 {
  font-size: 21px;
  font-weight: 700;
  color: var(--text);
}

.card-desc {
  color: var(--text-md);
  font-size: 14px;
  line-height: 1.65;
  margin-bottom: 20px;
}

.card-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
  flex: 1;
}

.card-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--text);
  font-weight: 500;
}

.card-features li svg { flex-shrink: 0; width: 20px; height: 20px; }

.btn-card {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 20px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 600;
  transition: all var(--transition);
  width: 100%;
  margin-top: auto;
}

.btn-card-blue {
  background: var(--blue-mid);
  color: white;
}

.btn-card-blue:hover { background: var(--blue); box-shadow: 0 4px 14px rgba(37,99,235,.4); transform: translateY(-1px); }

.btn-card-green {
  background: var(--green);
  color: white;
}

.btn-card-green:hover { background: var(--green-dark); box-shadow: 0 4px 14px rgba(5,150,105,.4); transform: translateY(-1px); }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-it-works {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 36px;
  box-shadow: var(--shadow);
}

.how-it-works h3 {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-md);
  text-align: center;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 24px;
}

.steps-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}

.step {
  display: flex;
  align-items: center;
  gap: 12px;
}

.step-num {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--blue-mid), var(--blue));
  color: white;
  font-size: 15px;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-text { display: flex; flex-direction: column; }
.step-text strong { font-size: 14px; font-weight: 600; color: var(--text); }
.step-text span   { font-size: 12px; color: var(--text-sm); }

.step-arrow { color: var(--text-sm); flex-shrink: 0; }

/* ============================================================
   FORM PAGE
   ============================================================ */
.form-bg {
  min-height: calc(100vh - 64px);
  background: var(--bg);
  padding: 40px 0 80px;
}

.form-page { max-width: 680px; margin: 0 auto; }

.btn-back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-md);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  transition: all var(--transition);
  background: transparent;
}

.btn-back:hover { background: var(--white); color: var(--text); box-shadow: var(--shadow); }
.btn-back svg { flex-shrink: 0; }

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

/* Form card header (type indicator) */
.form-card-header {
  padding: 24px 32px;
  display: flex;
  align-items: center;
  gap: 14px;
  color: white;
}

.form-card-header .fh-icon {
  width: 48px;
  height: 48px;
  background: rgba(255,255,255,.18);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.form-card-header .fh-icon svg { width: 28px; height: 28px; }

.form-card-header .fh-title {
  font-size: 20px;
  font-weight: 700;
}

.form-card-header .fh-sub {
  font-size: 13px;
  opacity: .75;
}

/* ============================================================
   FORM ELEMENTS
   ============================================================ */
#insurance-form {
  padding: 28px 32px 32px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.form-section-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--text-md);
  margin: 20px 0 18px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.form-section-title:first-child { margin-top: 4px; }
.form-section-title svg { flex-shrink: 0; }

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}

.form-group label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}

.req { color: var(--red); margin-left: 2px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* Inputs */
input[type="text"],
input[type="email"],
input[type="date"],
input[type="number"] {
  height: 46px;
  padding: 0 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  width: 100%;
}

input::placeholder { color: var(--text-sm); }

input:hover { border-color: #cbd5e1; }

input:focus {
  border-color: var(--blue-mid);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}

input.invalid {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(239,68,68,.1);
}

input[type="date"]::-webkit-calendar-picker-indicator {
  opacity: .5;
  cursor: pointer;
}

/* Select */
.select-wrap {
  position: relative;
}

.select-wrap select {
  width: 100%;
  height: 46px;
  padding: 0 40px 0 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.select-wrap select:hover { border-color: #cbd5e1; }
.select-wrap select:focus { border-color: var(--blue-mid); box-shadow: 0 0 0 3px rgba(37,99,235,.12); }
.select-wrap select.invalid { border-color: var(--red); box-shadow: 0 0 0 3px rgba(239,68,68,.1); }

.select-arrow {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
}

/* Gender */
.gender-group {
  display: flex;
  gap: 12px;
}

.gender-option { flex: 1; }
.gender-option input[type="radio"] { display: none; }

.gender-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 46px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 500;
  color: var(--text-md);
  cursor: pointer;
  transition: all var(--transition);
  background: var(--white);
}

.gender-btn:hover { border-color: var(--blue-mid); color: var(--blue-mid); background: #eff6ff; }

.gender-option input[type="radio"]:checked + .gender-btn {
  border-color: var(--blue-mid);
  background: var(--blue-light);
  color: var(--blue-mid);
  font-weight: 600;
}

.gender-group.invalid .gender-btn { border-color: var(--red); }

/* Field hint & error */
.field-hint {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 12px;
  color: var(--text-sm);
  margin-top: -2px;
}

.field-error {
  font-size: 12px;
  color: var(--red);
  font-weight: 500;
  min-height: 16px;
  display: block;
}

/* Consent checkbox */
.consent-group { margin-top: 8px; }

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}

.checkbox-label input[type="checkbox"] { display: none; }

.checkbox-box {
  width: 20px;
  height: 20px;
  border: 1.5px solid var(--border);
  border-radius: 5px;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  transition: all var(--transition);
}

.checkbox-label input[type="checkbox"]:checked + .checkbox-box {
  background: var(--blue-mid);
  border-color: var(--blue-mid);
}

.checkbox-text {
  font-size: 13px;
  color: var(--text-md);
  line-height: 1.5;
}

.consent-link { color: var(--blue-mid); text-decoration: underline; font-weight: 500; }

.checkbox-box.invalid { border-color: var(--red); }

/* Form actions */
.form-actions {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}

.btn-secondary {
  height: 50px;
  padding: 0 24px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 600;
  color: var(--text-md);
  background: var(--white);
  transition: all var(--transition);
  flex-shrink: 0;
}

.btn-secondary:hover { border-color: #94a3b8; color: var(--text); background: #f8fafc; }

.btn-primary {
  height: 50px;
  padding: 0 28px;
  background: linear-gradient(135deg, var(--blue-mid), var(--blue));
  color: white;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex: 1;
  transition: all var(--transition);
}

.btn-primary:hover {
  box-shadow: 0 6px 20px rgba(37,99,235,.4);
  transform: translateY(-1px);
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
}

.btn-primary:active { transform: translateY(0); }

.btn-full { width: 100%; }

/* ============================================================
   SUCCESS PAGE
   ============================================================ */
.success-page {
  max-width: 480px;
  margin: 0 auto;
  padding-top: 20px;
}

.success-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 44px 40px;
  text-align: center;
  animation: fadeUp .4s ease;
}

.success-anim {
  position: relative;
  width: 88px;
  height: 88px;
  margin: 0 auto 24px;
}

.success-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 3px solid var(--green-light);
  animation: ringPulse 1.5s ease infinite;
}

@keyframes ringPulse {
  0%   { transform: scale(1);   opacity: 1; }
  100% { transform: scale(1.35); opacity: 0; }
}

.success-circle {
  position: absolute;
  inset: 6px;
  background: linear-gradient(135deg, #10b981, var(--green));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.success-card h2 {
  font-size: 26px;
  font-weight: 800;
  margin-bottom: 6px;
}

.success-sub { color: var(--text-md); font-size: 15px; margin-bottom: 28px; }

.success-details {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 20px;
  margin-bottom: 20px;
  text-align: left;
  border: 1px solid var(--border);
}

.detail-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
}

.detail-row:last-child { border-bottom: none; padding-bottom: 0; }
.detail-row:first-child { padding-top: 0; }

.detail-label { font-size: 13px; color: var(--text-sm); }
.detail-value { font-size: 14px; font-weight: 600; color: var(--text); }
.detail-value.mono { font-family: 'Courier New', monospace; letter-spacing: .04em; }

.email-notice {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--green-light);
  border: 1px solid #a7f3d0;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  margin-bottom: 24px;
  text-align: left;
}

.email-notice svg { flex-shrink: 0; }
.email-notice p { font-size: 13px; color: #065f46; line-height: 1.5; }
.email-notice strong { font-weight: 700; word-break: break-all; }

/* ============================================================
   LOADING OVERLAY
   ============================================================ */
.loading-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,.6);
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(4px);
}

.loading-box {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  box-shadow: var(--shadow-lg);
}

.loading-box p { font-size: 15px; font-weight: 600; color: var(--text-md); }

.spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--blue-light);
  border-top-color: var(--blue-mid);
  border-radius: 50%;
  animation: spin .8s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   ADDITIONAL PERSONS (НС)
   ============================================================ */
.btn-add-person {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  padding: 14px 20px;
  border: 2px dashed #a7f3d0;
  border-radius: var(--radius-sm);
  background: #f0fdf4;
  color: var(--green-dark);
  font-size: 15px;
  font-weight: 600;
  transition: all var(--transition);
  margin: 4px 0 20px;
  justify-content: center;
}

.btn-add-person:hover {
  border-color: var(--green);
  background: #dcfce7;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(5,150,105,.15);
}

.person-card {
  background: #f8fafc;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 20px 20px 4px;
  margin-bottom: 16px;
  animation: fadeUp .25s ease;
}

.person-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}

.person-num {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--green-dark);
  background: var(--green-light);
  padding: 4px 12px;
  border-radius: 100px;
}

.btn-remove-person {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 500;
  color: #ef4444;
  padding: 5px 10px;
  border-radius: 6px;
  transition: all var(--transition);
  background: transparent;
}

.btn-remove-person:hover {
  background: var(--red-light);
  color: #dc2626;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,.7);
  padding: 48px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 24px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: white;
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 12px;
}

.logo-icon-sm {
  width: 32px;
  height: 32px;
  background: rgba(255,255,255,.12);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.logo-icon-sm svg { width: 22px; height: 22px; }

.footer-brand p { font-size: 13px; line-height: 1.6; max-width: 240px; }

.footer-col h4 {
  color: white;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 14px;
}

.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { color: rgba(255,255,255,.6); font-size: 14px; transition: color var(--transition); }
.footer-col ul li a:hover { color: white; }
.footer-col p { font-size: 14px; margin-bottom: 6px; }

.footer-bottom { text-align: center; font-size: 13px; }

/* ============================================================
   COMBOBOX
   ============================================================ */
.combobox-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.combobox-wrap input[type="text"] {
  flex: 1;
  padding-right: 40px;
}

.combobox-chevron {
  position: absolute;
  right: 1px;
  top: 1px;
  bottom: 1px;
  width: 40px;
  border-radius: 0 calc(var(--radius-sm) - 1px) calc(var(--radius-sm) - 1px) 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  transition: background var(--transition);
}

.combobox-chevron:hover { background: var(--bg); }

.combobox-dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  right: 0;
  z-index: 50;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  max-height: 220px;
  overflow-y: auto;
  display: none;
}

.combobox-dropdown.open {
  display: block;
  animation: fadeUp .15s ease;
}

.combobox-option {
  padding: 10px 14px;
  font-size: 15px;
  color: var(--text);
  cursor: pointer;
  transition: background var(--transition);
}

.combobox-option:hover { background: var(--bg); }

/* ============================================================
   OWNER TOGGLE (ОСАГО)
   ============================================================ */
.owner-toggle {
  display: inline-flex;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.owner-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-md);
  background: var(--white);
  transition: all var(--transition);
  border-right: 1.5px solid var(--border);
}

.owner-btn:last-child { border-right: none; }
.owner-btn:hover { background: var(--bg); color: var(--text); }

.owner-btn.active {
  background: var(--blue-light);
  color: var(--blue-mid);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .cards-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .header-contact span { display: none; }
  .hero { padding: 48px 0 80px; }
  .hero h1 { font-size: 28px; }
  .hero p { font-size: 15px; }
  .how-it-works { padding: 24px; }
  .steps-grid { flex-direction: column; align-items: flex-start; gap: 16px; }
  .step-arrow { transform: rotate(90deg); }
  #insurance-form { padding: 20px; }
  .form-card-header { padding: 20px; }
  .success-card { padding: 28px 20px; }
  .form-actions { flex-direction: column-reverse; }
  .btn-secondary { width: 100%; }
  .home-body { padding: 40px 0 60px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .logo-sub { display: none; }
  .gender-group { flex-direction: column; }
  .detail-row { flex-direction: column; align-items: flex-start; gap: 2px; }
}