:root{--navy:#061a33;--blue:#1c7cf3;--gold:#e7b85a;--ice:#eef7ff;--text:#10243a;--muted:#647487;--line:#dce7f0;--shadow:0 24px 70px rgba(6,26,51,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--text);background:#f8fbfe;font-family:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}
.topbar{position:absolute;z-index:20;inset:0 0 auto;display:flex;align-items:center;justify-content:space-between;width:min(1180px,calc(100% - 48px));margin:0 auto;padding:22px 0;color:#fff;border-bottom:1px solid rgba(255,255,255,.16)}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;line-height:1.05}.brand small{display:block;margin-top:5px;color:#9fc3e7;font-size:11px;font-weight:600;letter-spacing:.11em;text-transform:uppercase}.brand-mark{display:grid;place-items:center;width:42px;height:42px;color:#08223d;background:linear-gradient(135deg,#fff0b7,var(--gold));border-radius:13px;font-family:"Playfair Display",serif;font-size:24px;box-shadow:0 8px 30px rgba(231,184,90,.28)}
.nav{display:flex;gap:30px;font-size:14px;font-weight:600}.nav a{color:#d9e9f8}.nav a:hover{color:#fff}.top-cta{padding:10px 18px;border:1px solid rgba(255,255,255,.45);border-radius:999px;font-size:14px;font-weight:700}
.hero{position:relative;min-height:760px;display:grid;align-items:center;overflow:hidden;color:#fff;background:var(--navy)}.hero-image{position:absolute;inset:0;background:url("./assets/insurance-hero.webp") center/cover no-repeat}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,17,34,.98),rgba(3,17,34,.9) 39%,rgba(3,17,34,.22) 68%,rgba(3,17,34,.08))}
.hero-copy{position:relative;z-index:2;width:min(1180px,calc(100% - 48px));margin:56px auto 0;padding:100px 0 70px}.eyebrow,.kicker{margin:0 0 14px;color:#2184ed;font-size:13px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.eyebrow{color:#badcff}.eyebrow span{display:inline-block;width:24px;height:2px;margin:0 9px 4px 0;background:var(--gold)}
h1,h2{margin:0;font-family:"Playfair Display",Georgia,serif;letter-spacing:-.035em;line-height:1.08}h1{max-width:720px;font-size:clamp(48px,6vw,82px)}h2{font-size:clamp(36px,4.2vw,56px)}.hero-lead{max-width:650px;margin:24px 0 32px;color:#cee0f2;font-size:18px;line-height:1.75}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.button{display:inline-flex;justify-content:center;align-items:center;min-height:54px;padding:0 24px;border:0;border-radius:14px;cursor:pointer;font-weight:800;transition:transform .2s,box-shadow .2s}.button:hover{transform:translateY(-2px)}.button-primary{color:#071d35;background:linear-gradient(135deg,#ffe9a5,var(--gold));box-shadow:0 16px 34px rgba(231,184,90,.24)}.button-ghost{color:#fff;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(8px)}
.hero-notes{display:flex;margin-top:52px}.hero-notes div{min-width:175px;padding:0 28px;border-left:1px solid rgba(255,255,255,.18)}.hero-notes div:first-child{padding-left:0;border-left:0}.hero-notes strong,.hero-notes span{display:block}.hero-notes strong{font-size:18px}.hero-notes span{color:#8faecc;font-size:13px}
.section{width:min(1180px,calc(100% - 48px));margin:0 auto;padding:110px 0}.section-heading{max-width:760px;margin-bottom:48px}.section-heading>p:last-child{max-width:680px;margin:20px 0 0;color:var(--muted);font-size:17px}.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.product-card{position:relative;min-height:270px;padding:30px;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:0 10px 40px rgba(6,26,51,.04);transition:transform .25s,border-color .25s,box-shadow .25s}.product-card:hover{transform:translateY(-5px);border-color:#9bc7f4;box-shadow:var(--shadow)}.product-card.featured{color:#fff;background:linear-gradient(145deg,#123d6c,#071b34);border:0}
.icon{display:grid;place-items:center;width:44px;height:44px;margin-bottom:26px;color:#0d66bd;background:var(--ice);border-radius:14px;font-size:24px}.featured .icon{color:var(--gold);background:rgba(255,255,255,.1)}.product-card h3{margin:0 0 10px;font-size:20px}.product-card p{margin:0 0 24px;color:var(--muted);font-size:14px}.product-card.featured p{color:#aec9e4}.product-card a{position:absolute;left:30px;bottom:27px;color:#0d66bd;font-size:14px;font-weight:800}.product-card a span{display:inline-block;margin-left:5px;transition:transform .2s}.product-card a:hover span{transform:translateX(4px)}.product-card.featured a{color:#ffdfa0}.product-tag{position:absolute;top:28px;right:26px;color:#08223d;background:var(--gold);border-radius:999px;padding:5px 9px;font-size:11px;font-weight:800}
.how{display:grid;grid-template-columns:.9fr 1.1fr;gap:90px;align-items:center;width:auto;max-width:none;padding-left:max(24px,calc((100vw - 1180px)/2));padding-right:max(24px,calc((100vw - 1180px)/2));color:#fff;background:#071d35}.how-copy>p:not(.kicker){max-width:480px;color:#adc3d8}.text-link{display:inline-flex;gap:8px;margin-top:18px;color:#ffdda0;font-weight:800}.steps{margin:0;padding:0;list-style:none}.steps li{display:grid;grid-template-columns:76px 1fr;gap:24px;padding:28px 0;border-top:1px solid rgba(255,255,255,.12)}.steps li:last-child{border-bottom:1px solid rgba(255,255,255,.12)}.steps>li>span{color:var(--gold);font-family:"Playfair Display",serif;font-size:27px}.steps h3{margin:0 0 6px;font-size:19px}.steps p{margin:0;color:#9bb5ce;font-size:14px}
.quote{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;width:auto;max-width:none;padding-left:max(24px,calc((100vw - 1180px)/2));padding-right:max(24px,calc((100vw - 1180px)/2));background:linear-gradient(145deg,#0d579c,#0a3461);color:#fff}.kicker.light{color:#a9dcff}.quote-copy>p:not(.kicker){color:#c9e1f5}.contact-card{display:grid;grid-template-columns:104px 1fr;gap:18px;align-items:center;margin-top:34px;padding:14px;border:1px solid rgba(255,255,255,.17);border-radius:20px;background:rgba(255,255,255,.08)}.contact-card img{width:104px;height:132px;object-fit:cover;object-position:center 34%;border-radius:14px}.contact-card span,.contact-card strong{display:block}.contact-card span{color:#acd4f2;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.contact-card strong{margin-top:4px;font-size:20px}.contact-card p{margin:5px 0 0;color:#9dc3e3;font-size:13px;line-height:1.4}.agent-phone{display:inline-block;margin-top:6px;color:#fff;font-size:16px;font-weight:800}.contact-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}.contact-actions a{padding:8px 11px;border:1px solid rgba(255,255,255,.2);border-radius:10px;color:#fff;background:rgba(255,255,255,.07);font-size:12px;font-weight:700}
.quote-form{padding:34px;color:var(--text);background:#fff;border-radius:26px;box-shadow:0 28px 80px rgba(0,0,0,.2)}.quote-form>label{display:block;margin-bottom:18px;font-size:14px;font-weight:800}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}input,select,textarea{width:100%;margin-top:7px;padding:14px 15px;color:var(--text);background:#f6f9fc;border:1px solid #d7e3ee;border-radius:12px;outline:none;transition:border-color .2s,box-shadow .2s}textarea{resize:vertical;min-height:112px}input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(28,124,243,.11)}.contact-method{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:0 0 20px;padding:0;border:0}.contact-method legend{grid-column:1/-1;margin-bottom:8px;font-size:14px;font-weight:800}.contact-method label{position:relative;margin:0;cursor:pointer}.contact-method input{position:absolute;opacity:0;pointer-events:none}.contact-method span{display:flex;align-items:center;justify-content:center;min-height:44px;padding:8px;color:#41566b;background:#f3f7fb;border:1px solid #d7e3ee;border-radius:11px;font-size:13px;font-weight:700}.contact-method input:checked+span{color:#0a4f92;background:#e8f3ff;border-color:#5da9ef;box-shadow:0 0 0 2px rgba(28,124,243,.1)}.contact-method input:focus-visible+span{outline:3px solid rgba(28,124,243,.28)}.privacy{margin:-7px 0 16px;color:#788696;font-size:12px}.button-full{width:100%}.form-status{min-height:20px;margin:12px 0 0;color:#24714b;text-align:center;font-size:13px;font-weight:700}
.faq{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px}.section-heading.compact{margin-bottom:0}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{position:relative;padding:24px 42px 24px 0;cursor:pointer;list-style:none;font-weight:800}summary::-webkit-details-marker{display:none}summary::after{content:"+";position:absolute;right:4px;top:19px;color:#1978d2;font-size:27px;font-weight:400}details[open] summary::after{content:"−"}details p{margin:-7px 52px 24px 0;color:var(--muted)}
footer{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:32px max(24px,calc((100vw - 1180px)/2));color:#9fb6cd;background:#041426}.footer-brand{color:#fff}footer p{font-size:13px}.footer-links{display:flex;gap:20px;color:#fff;font-size:14px;font-weight:700}.mobile-cta{display:none}
@media(max-width:900px){.nav{display:none}.hero{min-height:800px}.hero-image{background-position:62% center}.hero-overlay{background:linear-gradient(90deg,rgba(3,17,34,.98),rgba(3,17,34,.86) 68%,rgba(3,17,34,.35))}.hero-copy{padding-top:120px}.product-grid{grid-template-columns:repeat(2,1fr)}.how,.quote,.faq{grid-template-columns:1fr;gap:46px}.section{padding-top:85px;padding-bottom:85px}}
@media(max-width:620px){body{padding-bottom:70px}.topbar{width:calc(100% - 32px);padding:16px 0}.top-cta{display:none}.brand-mark{width:38px;height:38px;border-radius:11px}.hero{min-height:850px;align-items:end}.hero-image{background-position:66% top;background-size:auto 52%;background-repeat:no-repeat}.hero-overlay{background:linear-gradient(180deg,rgba(3,17,34,.05) 12%,rgba(3,17,34,.58) 36%,#031122 57%)}.hero-copy{width:calc(100% - 32px);margin-top:0;padding:360px 0 42px}h1{font-size:45px}h2{font-size:36px}.hero-lead{font-size:16px;line-height:1.6}.hero-actions{display:grid}.hero-notes{display:grid;grid-template-columns:1fr 1fr;gap:18px 0;margin-top:34px}.hero-notes div{min-width:0;padding:0 14px}.hero-notes div:nth-child(3){padding-left:0;border-left:0}.section{width:calc(100% - 32px);padding:72px 0}.section-heading{margin-bottom:30px}.product-grid{grid-template-columns:1fr}.product-card{min-height:245px}.how,.quote{width:auto;padding-left:16px;padding-right:16px}.form-row{grid-template-columns:1fr;gap:0}.quote-form{padding:24px 18px;border-radius:20px}.contact-card{grid-template-columns:88px 1fr}.contact-card img{width:88px;height:116px}.contact-method{grid-template-columns:1fr 1fr}.faq{gap:24px}footer{flex-direction:column;align-items:flex-start;padding-bottom:36px}.footer-links{flex-wrap:wrap}.mobile-cta{position:fixed;z-index:30;display:flex;justify-content:center;align-items:center;left:12px;right:12px;bottom:10px;min-height:52px;color:#061a33;background:linear-gradient(135deg,#ffe9a5,var(--gold));border-radius:14px;box-shadow:0 12px 30px rgba(2,15,31,.38);font-weight:800}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}