.hc-modern {
  background: #ffffff;
  border-radius: 20px;
  box-shadow: 0 10px 40px rgba(0,0,0,0.06);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(0,0,0,0.05);
  margin-bottom: 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.hc-modern:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 50px rgba(0,0,0,0.1);
}

/* Gradients */
.hc-modern.hc-orange {
  background: linear-gradient(135deg, #fff9f2 0%, #ffffff 50%);
  border-color: rgba(217, 119, 6, 0.15);
}
.hc-modern.hc-blue {
  background: linear-gradient(135deg, #f5fbff 0%, #ffffff 50%);
  border-color: rgba(0, 119, 182, 0.15);
}

/* Top Body */
.hc-top {
  display: flex;
  flex-direction: column;
  position: relative;
  flex: 1;
}
@media (min-width: 992px) {
  .hc-top {
    flex-direction: row;
  }
}

/* Left Content */
.hc-content {
  flex: 1;
  padding: 30px;
  position: relative;
  z-index: 2;
  max-width: 100%;
}
@media (min-width: 992px) {
  .hc-content {
    max-width: 60%;
  }
}

.hc-badge {
  display: inline-flex;
  align-items: center;
  padding: 6px 16px;
  border-radius: 30px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.hc-badge svg {
  margin-right: 8px;
}
.hc-orange .hc-badge {
  background: #fef3c7;
  color: #d97706;
}
.hc-blue .hc-badge {
  background: #e0f2fe;
  color: #0077b6;
}

.hc-title {
  font-size: 28px;
  font-weight: 800;
  color: #0f172a;
  line-height: 1.2;
  margin-bottom: 8px;
}
.hc-subtitle {
  font-size: 15px;
  color: #64748b;
  margin-bottom: 24px;
  max-width: 90%;
}

.hc-features {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hc-feature {
  display: flex;
  align-items: flex-start;
}
.hc-f-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-right: 16px;
  flex-shrink: 0;
}
.hc-orange .hc-f-icon {
  background: #fef3c7;
  color: #d97706;
}
.hc-blue .hc-f-icon {
  background: #e0f2fe;
  color: #0077b6;
}
.hc-f-text h4 {
  font-size: 16px;
  font-weight: 700;
  color: #1e293b;
  margin: 0 0 4px 0;
}
.hc-f-text p {
  font-size: 14px;
  color: #64748b;
  margin: 0;
  line-height: 1.5;
}

/* Right Image */
.hc-image-wrapper {
  position: relative;
  width: 100%;
  height: 250px;
}
@media (min-width: 992px) {
  .hc-image-wrapper {
    position: absolute;
    top: 0;
    right: 0;
    width: 45%;
    height: 100%;
    clip-path: ellipse(90% 120% at 100% 50%);
  }
}
.hc-image-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hc-image-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(to right, rgba(0,0,0,0.5) 0%, rgba(0,0,0,0.1) 100%);
  display: flex;
  align-items: center;
  padding: 40px;
}
.hc-image-text {
  color: white;
  font-size: 32px;
  font-weight: 700;
  line-height: 1.2;
  text-shadow: 0 4px 12px rgba(0,0,0,0.4);
  font-style: italic;
  font-family: serif;
}
.hc-level-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: rgba(255,255,255,0.9);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  color: #333;
  z-index: 3;
}

/* Bottom Footer */
.hc-bottom {
  padding: 20px 30px;
  border-top: 1px solid rgba(0,0,0,0.05);
  background: #ffffff;
  position: relative;
  z-index: 3;
}
.hc-fee-label {
  font-size: 11px;
  font-weight: 800;
  color: #94a3b8;
  letter-spacing: 1.5px;
  display: block;
  margin-bottom: 4px;
}
.hc-fee-amount {
  font-size: 32px;
  font-weight: 900;
  line-height: 1;
}
.hc-orange .hc-fee-amount { color: #d97706; }
.hc-blue .hc-fee-amount { color: #0077b6; }

.hc-mini-features {
  display: flex;
  gap: 30px;
  align-items: center;
}
.hc-mf {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: #64748b;
  line-height: 1.3;
}
.hc-mf svg {
  width: 20px;
  height: 20px;
}
.hc-orange .hc-mf svg { stroke: #d97706; }
.hc-blue .hc-mf svg { stroke: #0077b6; }

.hc-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 20px;
}
.hc-btn {
  padding: 12px 28px;
  border-radius: 8px;
  font-weight: 700;
  color: #fff !important;
  text-decoration: none;
  transition: all 0.2s ease;
  display: inline-block;
  border: none;
}
.hc-orange .hc-btn { background: #d97706; }
.hc-orange .hc-btn:hover { background: #b45309; }
.hc-blue .hc-btn { background: #0077b6; }
.hc-blue .hc-btn:hover { background: #005f8c; }

.hc-brochure-link {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: #64748b;
  text-decoration: none;
  transition: color 0.2s;
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
}
.hc-brochure-link:hover { color: #0f172a; }

@media (max-width: 767px) {
  .hc-actions {
    flex-direction: column;
    align-items: flex-start;
  }
  .hc-mini-features {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 20px;
  }
  .hc-bottom .row > div {
    margin-bottom: 20px;
  }
}