:root{--color-royal: #1e3a5f;--color-royal-light: #2d5a8a;--color-sky: #5b9bd5;--color-sky-light: #a8d4f0;--color-white: #ffffff;--color-off-white: #f5f9fc;--color-accent: #2d7a5e;--color-accent-light: #4a9d7a;--color-text: #1a2d42;--color-text-muted: #5a6f82;--color-surface: #ffffff;--color-surface-alt: #eef4fa;--shadow-sm: 0 2px 8px rgba(30, 58, 95, .08);--shadow-md: 0 4px 20px rgba(30, 58, 95, .12);--radius: 12px;--radius-lg: 20px;font-family:DM Sans,system-ui,-apple-system,sans-serif;line-height:1.6;font-weight:400;color:var(--color-text);background-color:var(--color-off-white);font-synthesis:none;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}html{scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;min-width:320px;min-height:100vh}a{color:var(--color-royal-light);text-decoration:none;font-weight:500}a:hover{color:var(--color-sky);text-decoration:underline}h1,h2,h3{color:var(--color-royal);font-weight:700;line-height:1.2}h1{font-size:clamp(1.75rem,4vw,2.5rem)}h2{font-size:clamp(1.35rem,3vw,1.75rem)}h3{font-size:1.15rem}.app{min-height:100vh;display:flex;flex-direction:column}.hero{background:var(--color-royal);color:var(--color-white);padding:clamp(2rem,6vw,4rem) 1.5rem;text-align:center;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background-image:radial-gradient(ellipse 95% 75% at 50% 88%,rgba(168,212,240,.22) 0%,transparent 58%),linear-gradient(155deg,#1e3a5fe6,#2d5a8ad1 42%,#5b9bd5ad),url(/hero-bg.jpg);background-size:cover;background-position:center 35%;background-repeat:no-repeat}.hero-inner{position:relative;z-index:1;max-width:900px;margin:0 auto}.hero-inner .lang-switcher{margin-bottom:1.25rem}.hero-photo-wrap{width:clamp(260px,38vw,400px);height:clamp(260px,38vw,400px);margin:0 auto 1.25rem;border-radius:50%;overflow:hidden;border:4px solid rgba(255,255,255,.45);box-shadow:var(--shadow-md),0 0 0 1px #ffffff1f,0 12px 40px #0f1e3259;position:relative}.hero-photo{width:100%;height:100%;object-fit:cover}.hero h1{color:inherit;margin:0 0 .5rem;font-size:clamp(1.6rem,4vw,2.25rem)}.hero-tagline{margin:0;font-size:1.05rem;opacity:.95}.hero-tagline--secondary{margin-top:.65rem;font-size:.98rem;opacity:.88;max-width:36rem;margin-left:auto;margin-right:auto;line-height:1.45}.hero-location{margin-top:.75rem;font-size:.95rem;opacity:.9;display:flex;align-items:center;justify-content:center;gap:.35rem}.cta-wrap{padding:1.5rem;background:var(--color-surface-alt);border-bottom:1px solid rgba(30,58,95,.08)}.cta-inner{max-width:600px;margin:0 auto;text-align:center}.cta-title{margin:0 0 .5rem;font-size:1.1rem;color:var(--color-royal);font-weight:700}h2.cta-title{line-height:1.3}.cta-button{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:#25d366;color:#fff;font-weight:600;font-size:1.05rem;padding:.9rem 1.75rem;border-radius:var(--radius);border:none;cursor:pointer;text-decoration:none;box-shadow:0 4px 14px #25d36666;transition:transform .2s,box-shadow .2s;margin-top:.5rem}.cta-button:hover{transform:translateY(-2px);box-shadow:0 6px 20px #25d36673;color:#fff;text-decoration:none}.cta-button svg{width:1.4em;height:1.4em;flex-shrink:0}.section{padding:clamp(2rem,5vw,3.5rem) 1.5rem;max-width:800px;margin:0 auto}.section-title{text-align:center;margin-bottom:1.75rem}.services-grid{display:grid;gap:1rem}.service-card{background:var(--color-surface);padding:1.25rem 1.5rem;border-radius:var(--radius);box-shadow:var(--shadow-sm);border:1px solid rgba(30,58,95,.06)}.service-card h3{margin:0 0 .35rem;font-size:1.1rem;color:var(--color-royal)}.service-card p{margin:0;font-size:.95rem;color:var(--color-text-muted);line-height:1.5}.footer{margin-top:auto;padding:1.5rem;text-align:center;font-size:.9rem;color:var(--color-text-muted);background:var(--color-surface);border-top:1px solid rgba(30,58,95,.08)}.footer p+p{margin-top:.5rem}.footer-link{color:var(--color-royal);text-decoration:none;font-weight:500}.footer-link:hover{text-decoration:underline}.hero--compact .hero-photo-wrap{display:none}.hero-back{margin:0 0 1rem;text-align:left}.hero-back-link{color:#ffffffe6;text-decoration:none;font-weight:500}.hero-back-link:hover{color:#fff;text-decoration:underline}.insurance-intro{max-width:640px;margin:0 auto 2rem;text-align:center}.insurance-intro p{margin:0 0 1rem;line-height:1.6;color:var(--color-text-muted)}.insurance-intro p:last-child{margin-bottom:0}.insurance-services-heading{text-align:center;margin:0 0 .35rem;font-size:1.25rem;color:var(--color-royal)}.insurance-services-sub{text-align:center;margin:0 0 1.25rem;font-size:.95rem;color:var(--color-text-muted)}.service-card h4{margin:0 0 .35rem;font-size:1.1rem;color:var(--color-royal);font-weight:600}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.insurance-hero-hours{margin:1rem 0 0;font-size:.92rem;opacity:.92;max-width:28rem;margin-left:auto;margin-right:auto;line-height:1.5}.hero-contact{margin-top:clamp(1.35rem,4vw,2rem);padding:clamp(1.2rem,3.5vw,1.65rem) clamp(1.1rem,4vw,1.5rem);max-width:26rem;margin-left:auto;margin-right:auto;background:#ffffff24;border:1px solid rgba(255,255,255,.32);border-radius:var(--radius-lg);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);box-shadow:0 10px 40px #0c182a59}.hero-contact-title{margin:0 0 .4rem;font-size:clamp(1.2rem,3.2vw,1.45rem);font-weight:800;letter-spacing:-.02em;line-height:1.2;color:inherit}.hero-contact-hint{margin:0 0 1rem;font-size:.9rem;opacity:.92;line-height:1.45}.hero-contact-actions{display:flex;flex-direction:column;gap:.55rem}.hero-contact-secondary{display:flex;gap:.5rem}.hero-contact-secondary .hero-contact-btn{flex:1;min-width:0}.hero-contact-btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.72rem 1rem;border-radius:var(--radius);font-weight:700;font-size:.92rem;text-decoration:none;border:none;cursor:pointer;transition:transform .15s,box-shadow .15s,filter .15s;color:#fff}.hero-contact-btn:hover{transform:translateY(-1px);filter:brightness(1.05);color:#fff;text-decoration:none}.hero-contact-btn svg{width:1.25em;height:1.25em;flex-shrink:0}.hero-contact-btn--whatsapp{background:#25d366;box-shadow:0 4px 16px #25d36673;font-size:1rem;padding:.85rem 1.15rem}.hero-contact-btn--whatsapp:hover{box-shadow:0 6px 22px #25d36680}.hero-contact-btn--telegram{background:#229ed9;box-shadow:0 3px 12px #229ed966}.hero-contact-btn--telegram:hover{box-shadow:0 5px 18px #229ed973}.hero-contact-btn--email{background:#ffffff38;border:1px solid rgba(255,255,255,.45);box-shadow:0 3px 14px #0000001f}.hero-contact-btn--email:hover{background:#ffffff4d;box-shadow:0 4px 18px #00000026}.insurance-nav{position:sticky;top:0;z-index:20;background:#fffffff5;border-bottom:1px solid rgba(30,58,95,.1);box-shadow:var(--shadow-sm);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}.insurance-nav-inner{max-width:960px;margin:0 auto;padding:.65rem 1rem;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:.35rem .75rem}.insurance-nav-link{color:var(--color-royal);text-decoration:none;font-weight:600;font-size:.88rem;padding:.35rem .5rem;border-radius:8px;transition:background .15s,color .15s}.insurance-nav-link:hover{background:var(--color-surface-alt);color:var(--color-royal-light);text-decoration:none}.insurance-anchor{scroll-margin-top:3.25rem}.insurance-highlights-intro{text-align:center;margin:-.5rem 0 1.25rem;color:var(--color-text-muted);font-size:.98rem;max-width:640px;margin-left:auto;margin-right:auto}.insurance-highlight-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1rem;margin-bottom:2rem}.insurance-highlight-card{background:var(--color-surface);padding:1.15rem 1.25rem;border-radius:var(--radius);border:1px solid rgba(30,58,95,.08);box-shadow:var(--shadow-sm)}.insurance-highlight-card h3{margin:0 0 .4rem;font-size:1.05rem;color:var(--color-royal)}.insurance-highlight-card p{margin:0;font-size:.92rem;color:var(--color-text-muted);line-height:1.55}.insurance-section-wide{max-width:960px}.insurance-prices-intro,.insurance-prices-note{text-align:center;max-width:640px;margin:0 auto .75rem;color:var(--color-text-muted);font-size:.95rem;line-height:1.55}.insurance-prices-note{margin-bottom:1.5rem;font-size:.9rem}.insurance-price-stack{display:flex;flex-direction:column;gap:1.5rem}.insurance-price-block-title{margin:0 0 .5rem;font-size:1.05rem;color:var(--color-royal);text-align:center}.insurance-table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid rgba(30,58,95,.1);background:var(--color-surface)}.insurance-price-table{width:100%;border-collapse:collapse;font-size:.92rem}.insurance-price-table th,.insurance-price-table td{padding:.65rem 1rem;text-align:left;border-bottom:1px solid rgba(30,58,95,.08)}.insurance-price-table th{background:var(--color-surface-alt);color:var(--color-royal);font-weight:600}.insurance-price-table tbody tr:last-child td{border-bottom:none}.insurance-price-table tbody tr:nth-child(2n){background:#eef4fa80}.insurance-about p,.insurance-plans p{max-width:640px;margin:0 auto 1rem;color:var(--color-text-muted);line-height:1.6;text-align:center}.insurance-about p:last-child,.insurance-plans p:last-child{margin-bottom:0}.insurance-plans-list{max-width:640px;margin:0 auto;padding-left:1.25rem;color:var(--color-text-muted);line-height:1.65}.insurance-plans-list li+li{margin-top:.5rem}.insurance-contact-hint{margin:0 0 .75rem;font-size:.95rem;color:var(--color-text-muted)}.contact-section{max-width:420px}.contact-channel-tabs{display:flex;flex-wrap:wrap;justify-content:center;gap:.5rem;margin:1rem 0 1.25rem}.contact-channel-tab{border:1px solid rgba(30,58,95,.2);background:var(--color-surface);color:var(--color-royal);font-weight:600;font-size:.88rem;padding:.5rem .85rem;border-radius:var(--radius);cursor:pointer;transition:background .15s,border-color .15s,color .15s}.contact-channel-tab:hover{background:var(--color-surface-alt);border-color:#1e3a5f59}.contact-channel-tab[aria-selected=true]{background:var(--color-royal);color:var(--color-white);border-color:var(--color-royal)}.contact-channel-panel{min-height:5rem;display:flex;flex-direction:column;align-items:center}.contact-channel-placeholder{margin:0;text-align:center;font-size:.92rem;color:var(--color-text-muted);line-height:1.5;max-width:22rem}.cta-button--telegram{background:#229ed9;box-shadow:0 4px 14px #229ed959}.cta-button--telegram:hover{background:#1b8ec4;box-shadow:0 6px 20px #229ed966;color:#fff}.cta-button--email{background:var(--color-royal-light);box-shadow:0 4px 14px #2d5a8a59}.cta-button--email:hover{background:var(--color-royal);box-shadow:0 6px 20px #1e3a5f59;color:#fff}.lang-switcher{display:flex;align-items:center;justify-content:center;gap:.25rem;flex-wrap:wrap}.lang-btn{font-family:inherit;font-size:.85rem;font-weight:500;padding:.4rem .75rem;border-radius:var(--radius, 8px);border:1px solid rgba(255,255,255,.5);background:#ffffff26;color:inherit;cursor:pointer;transition:background .2s,border-color .2s}.lang-btn:hover{background:#ffffff40;border-color:#ffffffb3}.lang-btn-active{background:#ffffff59;border-color:#ffffffe6}