:root {
  --ink: #18212f;
  --muted: #5d697a;
  --line: #dfe6ee;
  --paper: #ffffff;
  --soft: #f5f8fb;
  --blue: #22577a;
  --blue-dark: #123247;
  --green: #28a06c;
  --green-dark: #19764d;
  --coral: #e76f51;
  --gold: #f4b942;
  --shadow: 0 18px 42px rgba(20, 37, 55, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.55;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

button,
input,
select {
  font: inherit;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 76px;
  padding: 12px clamp(18px, 5vw, 64px);
  border-bottom: 1px solid rgba(223, 230, 238, 0.9);
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  min-width: 0;
}

.brand-mark {
  display: grid;
  place-items: center;
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  border-radius: 8px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--green));
  font-weight: 800;
}

.brand strong {
  display: block;
  font-size: 1rem;
  letter-spacing: 0;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  letter-spacing: 0;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.site-nav a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 9px 14px;
  border-radius: 8px;
  color: var(--muted);
  text-decoration: none;
  font-weight: 700;
}

.site-nav a:hover,
.site-nav a.active {
  color: var(--blue-dark);
  background: #edf6f1;
}

.site-nav .nav-cta {
  color: #fff;
  background: var(--green);
}

.site-nav .nav-cta:hover,
.site-nav .nav-cta.active {
  color: #fff;
  background: var(--green-dark);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 19px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
}

.hero {
  position: relative;
  min-height: 660px;
  display: grid;
  align-items: center;
  padding: 70px clamp(18px, 5vw, 64px);
  overflow: hidden;
  color: #fff;
  background: var(--blue-dark);
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(12, 31, 45, 0.92) 0%, rgba(12, 31, 45, 0.78) 42%, rgba(12, 31, 45, 0.25) 100%);
}

.hero-media {
  position: absolute;
  inset: 0;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--coral);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero h1,
.page-hero h1 {
  margin: 0;
  max-width: 880px;
  font-size: 3.9rem;
  line-height: 1.02;
  letter-spacing: 0;
}

.lead {
  margin: 18px 0 0;
  max-width: 700px;
  color: #eef5f8;
  font-size: 1.2rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 18px;
  border: 0;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 800;
  cursor: pointer;
  transition: transform 150ms ease, background 150ms ease, box-shadow 150ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button.primary {
  color: #fff;
  background: var(--green);
  box-shadow: 0 12px 28px rgba(40, 160, 108, 0.25);
}

.button.primary:hover {
  background: var(--green-dark);
}

.button.secondary {
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.52);
  background: rgba(255, 255, 255, 0.12);
}

.button.light {
  color: var(--blue-dark);
  background: #fff;
}

.button.full {
  width: 100%;
}

.button:disabled {
  cursor: not-allowed;
  opacity: 0.52;
  transform: none;
  box-shadow: none;
}

.rate-note {
  margin: 20px 0 0;
  max-width: 650px;
  color: #f8fbfd;
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-bar div {
  padding: 22px clamp(18px, 5vw, 48px);
  background: #fff;
}

.trust-bar strong,
.trust-bar span {
  display: block;
}

.trust-bar span {
  margin-top: 4px;
  color: var(--muted);
}

.section,
.split-section,
.quote-layout,
.faq-list,
.legal-content {
  width: min(1120px, calc(100% - 36px));
  margin: 0 auto;
}

.section {
  padding: 76px 0;
}

.section.slim {
  padding-top: 36px;
}

.section-heading {
  max-width: 720px;
  margin-bottom: 28px;
}

.section-heading h2,
.split-section h2,
.cta-band h2,
.quote-panel h2 {
  margin: 0;
  font-size: 2.1rem;
  line-height: 1.13;
  letter-spacing: 0;
}

.section-heading p:not(.eyebrow),
.split-section p,
.cta-band p,
.quote-panel p {
  color: var(--muted);
}

.steps,
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.card {
  min-height: 220px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 10px 28px rgba(24, 33, 47, 0.06);
}

.card h2,
.card h3 {
  margin: 14px 0 8px;
  font-size: 1.25rem;
  line-height: 1.25;
}

.card p {
  margin: 0;
  color: var(--muted);
}

.step-number {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 8px;
  color: #fff;
  background: var(--blue);
  font-weight: 800;
}

.split-section {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(300px, 1fr);
  gap: 44px;
  align-items: center;
  padding: 76px 0;
  border-top: 1px solid var(--line);
}

.text-link {
  color: var(--green-dark);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.feature-list {
  display: grid;
  gap: 14px;
}

.feature-list article,
.callout {
  padding: 22px;
  border-left: 5px solid var(--green);
  border-radius: 8px;
  background: var(--soft);
}

.feature-list h3,
.feature-list p,
.callout h3,
.callout p {
  margin: 0;
}

.feature-list p,
.callout p {
  margin-top: 6px;
  color: var(--muted);
}

.cta-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 48px clamp(18px, 5vw, 64px);
  color: #fff;
  background: linear-gradient(135deg, var(--blue-dark), var(--green-dark));
}

.cta-band .eyebrow,
.cta-band p {
  color: #fff;
}

.cta-band div {
  max-width: 760px;
}

.site-footer {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  padding: 34px clamp(18px, 5vw, 64px);
  color: #dbe9ef;
  background: #102131;
}

.site-footer p {
  margin: 6px 0 0;
  max-width: 520px;
  color: #b7c7d1;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.site-footer a {
  color: #fff;
  text-decoration: none;
}

.page-hero {
  padding: 72px clamp(18px, 5vw, 64px);
  color: #fff;
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 58%, var(--green-dark) 100%);
}

.page-hero.compact {
  padding-bottom: 54px;
}

.page-hero .button {
  margin-top: 26px;
}

.quote-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(300px, 0.7fr);
  gap: 24px;
  align-items: start;
  padding: 48px 0 32px;
}

.quote-form,
.quote-panel {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: var(--shadow);
}

.quote-panel {
  position: sticky;
  top: 96px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

label {
  display: grid;
  gap: 8px;
  color: var(--ink);
  font-weight: 800;
}

input,
select {
  width: 100%;
  min-height: 48px;
  padding: 10px 12px;
  border: 1px solid #cbd6e1;
  border-radius: 8px;
  color: var(--ink);
  background: #fff;
}

input:focus,
select:focus {
  outline: 3px solid rgba(40, 160, 108, 0.22);
  border-color: var(--green);
}

.check-row {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 18px;
  color: var(--muted);
  font-weight: 500;
}

.check-row input {
  width: 20px;
  min-width: 20px;
  height: 20px;
  min-height: 20px;
  margin-top: 2px;
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-top: 22px;
}

.microcopy,
.fine-print {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.summary-box {
  min-height: 170px;
  margin: 16px 0;
  padding: 16px;
  border: 1px dashed #b9c7d4;
  border-radius: 8px;
  color: var(--muted);
  background: var(--soft);
}

.summary-box ul {
  margin: 0;
  padding-left: 18px;
}

.coverage-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.coverage-grid .card {
  min-height: 180px;
}

.savings-list {
  display: grid;
  gap: 14px;
}

.savings-list article {
  display: grid;
  grid-template-columns: 74px minmax(0, 1fr);
  gap: 18px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.savings-list span {
  color: var(--coral);
  font-size: 1.4rem;
  font-weight: 900;
}

.savings-list h2,
.savings-list p {
  margin: 0;
}

.savings-list p {
  margin-top: 6px;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 14px;
  padding: 48px 0 76px;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

summary {
  cursor: pointer;
  padding: 18px 20px;
  color: var(--ink);
  font-weight: 900;
}

details p {
  margin: 0;
  padding: 0 20px 20px;
  color: var(--muted);
}

.legal-page {
  background: #fff;
}

.legal-content {
  padding: 48px 0 76px;
}

.legal-content h2 {
  margin: 30px 0 8px;
  font-size: 1.25rem;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p {
  margin: 0;
  color: var(--muted);
}

code {
  padding: 2px 5px;
  border-radius: 5px;
  color: var(--blue-dark);
  background: #edf6f1;
}

@media (max-width: 900px) {
  .nav-toggle {
    display: block;
  }

  .site-nav {
    position: absolute;
    left: 18px;
    right: 18px;
    top: calc(100% + 8px);
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 10px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
    box-shadow: var(--shadow);
  }

  .site-nav.open {
    display: flex;
  }

  .site-nav a {
    justify-content: flex-start;
  }

  .hero {
    min-height: 590px;
    padding-top: 58px;
    padding-bottom: 58px;
  }

  .hero::after {
    background: linear-gradient(180deg, rgba(12, 31, 45, 0.93), rgba(12, 31, 45, 0.74));
  }

  .hero h1,
  .page-hero h1 {
    font-size: 2.75rem;
  }

  .lead {
    font-size: 1.05rem;
  }

  .trust-bar,
  .steps,
  .coverage-grid,
  .quote-layout,
  .split-section {
    grid-template-columns: 1fr;
  }

  .quote-panel {
    position: static;
  }

  .cta-band,
  .site-footer {
    align-items: stretch;
    flex-direction: column;
  }
}

@media (max-width: 620px) {
  .site-header {
    min-height: 68px;
    padding: 10px 16px;
  }

  .brand small {
    display: none;
  }

  .hero {
    min-height: 620px;
    padding: 46px 18px;
  }

  .hero h1,
  .page-hero h1 {
    font-size: 2.24rem;
  }

  .button,
  .hero-actions {
    width: 100%;
  }

  .button {
    padding-left: 14px;
    padding-right: 14px;
  }

  .section {
    padding: 54px 0;
  }

  .section-heading h2,
  .split-section h2,
  .cta-band h2,
  .quote-panel h2 {
    font-size: 1.7rem;
  }

  .form-grid,
  .savings-list article {
    grid-template-columns: 1fr;
  }

  .savings-list article {
    gap: 8px;
  }

  .quote-form,
  .quote-panel {
    padding: 18px;
  }

  .page-hero {
    padding: 52px 18px;
  }
}