:root {
  --navy: #071a3a;
  --blue: #0d63b5;
  --cyan: #11a6d8;
  --gold: #f2b632;
  --red: #e34545;
  --ink: #122033;
  --muted: #65758b;
  --paper: #f4f8fd;
  --surface: #ffffff;
  --line: rgba(18, 32, 51, 0.12);
  --shadow: 0 24px 70px rgba(7, 26, 58, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
}

.topbar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.9rem;
}

.topbar-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 20px;
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: 9px 0;
}

.topbar a {
  font-weight: 800;
}

.hours {
  color: #fff;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 14px max(16px, calc((100% - 1180px) / 2));
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 320px;
}

.brand img {
  display: block;
  width: 360px;
  height: 74px;
  object-fit: contain;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
}

.site-nav a {
  padding: 10px 11px;
  border-radius: 7px;
  color: #314158;
  font-size: 0.94rem;
  font-weight: 800;
}

.site-nav a:hover {
  background: #e8f3ff;
  color: var(--blue);
}

.nav-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border: 0;
  border-radius: 8px;
  font-weight: 900;
  cursor: pointer;
}

.nav-cta,
.button.primary {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 12px 26px rgba(242, 182, 50, 0.28);
}

.button.ghost {
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
}

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

.button.full {
  width: 100%;
}

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

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--navy);
}

.hero {
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: #fff;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 76% 24%, rgba(242, 182, 50, 0.36), transparent 28%),
    radial-gradient(circle at 86% 74%, rgba(17, 166, 216, 0.36), transparent 30%),
    linear-gradient(110deg, rgba(7, 26, 58, 0.98) 0%, rgba(8, 60, 115, 0.92) 54%, rgba(17, 166, 216, 0.74) 100%),
    url("assets/hero-insurance.png") center/cover;
}

.hero-bg::after {
  content: "";
  position: absolute;
  inset: auto -12% -35% 42%;
  height: 62%;
  border-radius: 50%;
  background: rgba(242, 182, 50, 0.28);
  filter: blur(14px);
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.72fr);
  gap: 24px;
  width: min(1180px, calc(100% - 32px));
  min-height: 690px;
  margin: 0 auto;
  padding: 88px 0 96px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  width: min(780px, 100%);
  margin: 0;
  font-size: clamp(2.7rem, 6vw, 5.9rem);
  line-height: 0.96;
  letter-spacing: 0;
}

.hero-copy > p {
  width: min(660px, 100%);
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: clamp(1rem, 1.4vw, 1.22rem);
}

.hero-copy > .hero-promise {
  margin-top: 12px;
  color: #fff;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 34px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.trust-row span {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 0 12px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.9rem;
  font-weight: 800;
}

.quote-panel {
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.95);
  color: var(--ink);
  box-shadow: var(--shadow);
}

.hero-visual {
  position: relative;
  overflow: hidden;
  align-self: stretch;
  min-height: 620px;
  margin-right: calc((1180px - min(1180px, 100vw - 32px)) / -2);
}

.hero-visual img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 620px;
  border-radius: 0;
  object-fit: cover;
  object-position: center;
  opacity: 0.96;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 18%, #000 100%);
  mask-image: linear-gradient(90deg, transparent 0%, #000 18%, #000 100%);
}

.visual-note {
  position: absolute;
  right: 28px;
  top: 28px;
  bottom: auto;
  left: auto;
  width: min(360px, calc(100% - 56px));
  display: grid;
  gap: 4px;
  padding: 16px 18px;
  border: 1px solid rgba(255, 255, 255, 0.38);
  border-radius: 8px;
  background: rgba(7, 26, 58, 0.58);
  color: #fff;
  backdrop-filter: blur(12px);
}

.visual-note strong {
  font-size: 1.12rem;
}

.visual-note span {
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.94rem;
}

.quote-head {
  display: grid;
  gap: 4px;
  margin-bottom: 20px;
}

.quote-head span {
  color: var(--blue);
  font-weight: 900;
  text-transform: uppercase;
  font-size: 0.78rem;
}

.quote-head strong {
  font-size: 1.5rem;
  line-height: 1.1;
}

.quote-tags {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-bottom: 18px;
}

.quote-tags span {
  display: grid;
  place-items: center;
  min-height: 36px;
  border-radius: 8px;
  background: #edf6ff;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 900;
}

.quote-form,
.contact-form {
  display: grid;
  gap: 14px;
  scroll-margin-top: 120px;
}

label {
  display: grid;
  gap: 7px;
  color: #526277;
  font-size: 0.9rem;
  font-weight: 900;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  padding: 13px 13px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  outline: 3px solid rgba(13, 99, 181, 0.15);
  border-color: var(--blue);
}

.form-note {
  min-height: 22px;
  margin: 0;
  color: var(--blue);
  font-weight: 900;
}

.form-note.is-error {
  color: #c73737;
}

.form-trap {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.brand-strip,
.section,
.why,
.renewal,
.contact {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.brand-strip {
  display: grid;
  grid-template-columns: 0.72fr 1fr;
  gap: 34px;
  align-items: center;
  margin-top: -46px;
  padding: 26px;
  position: relative;
  z-index: 2;
  border-radius: 8px;
  background: #fff;
  box-shadow: var(--shadow);
}

.brand-strip::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 8px;
  border-radius: 8px 0 0 8px;
  background: linear-gradient(180deg, var(--gold), var(--cyan));
}

.strip-copy h2 {
  margin: 0;
  font-size: clamp(1.4rem, 2.4vw, 2.3rem);
  line-height: 1.06;
}

.logo-marquee {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}

.logo-marquee img {
  width: 100%;
  height: 74px;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  object-fit: contain;
  background: #fff;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.logo-marquee img:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 30px rgba(7, 26, 58, 0.1);
}

.section {
  padding: 96px 0;
}

.section-title {
  width: min(760px, 100%);
  margin-bottom: 34px;
}

h2 {
  margin: 0;
  color: var(--ink);
  font-size: clamp(2rem, 4vw, 4rem);
  line-height: 1.04;
  letter-spacing: 0;
}

.intro {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 46px;
  align-items: start;
}

.intro-card {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 20px 54px rgba(7, 26, 58, 0.08);
}

.intro-card p {
  margin-top: 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.mini-process {
  display: grid;
  gap: 10px;
  margin-top: 24px;
}

.mini-process span {
  padding: 14px 16px;
  border-radius: 8px;
  background: #edf6ff;
  color: var(--blue);
  font-weight: 900;
}

.services {
  position: relative;
}

.services::before {
  content: "";
  position: absolute;
  inset: 44px 50% auto auto;
  width: 42%;
  height: 280px;
  border-radius: 8px;
  background: linear-gradient(135deg, rgba(13, 99, 181, 0.08), rgba(17, 166, 216, 0.04));
  pointer-events: none;
}

.services > * {
  position: relative;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.service-card {
  position: relative;
  overflow: hidden;
  display: grid;
  min-height: 330px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 18px 48px rgba(7, 26, 58, 0.08);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.service-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  background: linear-gradient(90deg, var(--gold), var(--cyan));
}

.service-card:hover {
  transform: translateY(-6px);
  border-color: rgba(13, 99, 181, 0.25);
  box-shadow: 0 28px 70px rgba(7, 26, 58, 0.14);
}

.service-card.featured {
  background: linear-gradient(160deg, var(--blue), var(--navy));
  color: #fff;
}

.service-card.featured::before {
  background: var(--gold);
}

.service-card img {
  width: 62px;
  height: 62px;
  margin-bottom: 34px;
}

.service-card span {
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 900;
  text-transform: uppercase;
}

.service-card.featured span,
.service-card.featured p,
.service-card.featured a {
  color: rgba(255, 255, 255, 0.84);
}

.service-card h3 {
  margin: 8px 0 0;
  font-size: 1.35rem;
}

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

.service-card .card-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 0 14px;
  border-radius: 8px;
  background: #edf6ff;
  align-self: end;
  color: var(--blue);
  font-weight: 900;
}

.service-card.featured .card-link {
  background: rgba(255, 255, 255, 0.14);
  color: #fff;
}

.why {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 34px;
  padding: 80px 0;
}

.why-main {
  position: relative;
  overflow: hidden;
  padding: 34px;
  border-radius: 8px;
  background:
    radial-gradient(circle at 90% 10%, rgba(242, 182, 50, 0.24), transparent 34%),
    linear-gradient(155deg, var(--navy), #0b3f79);
  color: #fff;
}

.why-main h2 {
  color: #fff;
}

.why-main p {
  color: rgba(255, 255, 255, 0.78);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.why-grid article {
  position: relative;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.why-grid article::before {
  content: "";
  display: block;
  width: 34px;
  height: 4px;
  margin-bottom: 18px;
  border-radius: 999px;
  background: var(--gold);
}

.why-grid strong {
  display: block;
  font-size: 1.12rem;
}

.why-grid p {
  margin-bottom: 0;
  color: var(--muted);
}

.renewal {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 24px;
  padding: 34px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  color: #fff;
}

.renewal h2,
.renewal .eyebrow {
  color: #fff;
}

.renewal h2 {
  font-size: clamp(1.7rem, 3vw, 3rem);
}

.renewal .button {
  white-space: nowrap;
}

.faq-list {
  display: grid;
  gap: 12px;
}

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

.faq summary {
  padding: 20px 22px;
  cursor: pointer;
  font-weight: 900;
}

.faq details p {
  margin: 0;
  padding: 0 22px 22px;
  color: var(--muted);
}

.contact {
  display: grid;
  grid-template-columns: 1fr minmax(340px, 0.72fr);
  gap: 40px;
  align-items: start;
  padding: 50px 0 96px;
}

.contact-info p {
  color: var(--muted);
}

.contact-list {
  display: grid;
  gap: 12px;
  margin-top: 24px;
}

.contact-list div,
.contact-form {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 16px 42px rgba(7, 26, 58, 0.06);
}

.contact-list span {
  display: block;
  color: var(--blue);
  font-weight: 900;
  text-transform: uppercase;
  font-size: 0.75rem;
}

.contact-list strong {
  display: block;
  margin-top: 5px;
}

.contact-list small {
  display: block;
  margin-top: 4px;
  color: var(--muted);
}

.site-footer {
  display: grid;
  grid-template-columns: 1.25fr repeat(3, 1fr);
  gap: 28px;
  padding: 44px max(16px, calc((100% - 1180px) / 2)) 74px;
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
}

.site-footer div {
  display: grid;
  align-content: start;
  gap: 8px;
}

.site-footer img {
  width: 240px;
  padding: 10px;
  border-radius: 8px;
  background: #fff;
}

.site-footer strong {
  color: #fff;
}

.site-footer a,
.site-footer span {
  color: rgba(255, 255, 255, 0.78);
}

.mobile-actions {
  display: none;
}

@media (max-width: 1060px) {
  .brand {
    min-width: 260px;
  }

  .brand img {
    width: 300px;
  }

  .site-nav {
    gap: 0;
  }

  .site-nav a {
    padding-inline: 8px;
  }
}

@media (max-width: 900px) {
  .topbar-inner {
    justify-content: center;
  }

  .site-header {
    flex-wrap: wrap;
  }

  .brand {
    width: calc(100% - 58px);
    min-width: 0;
  }

  .brand img {
    width: min(360px, 100%);
    height: 84px;
  }

  .menu-toggle {
    display: block;
  }

  .site-nav {
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: stretch;
    padding-top: 10px;
  }

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

  .nav-cta {
    display: none;
  }

  .hero-inner,
  .brand-strip,
  .intro,
  .why,
  .contact,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .hero-inner {
    padding-top: 54px;
  }

  .hero-visual {
    min-height: 430px;
    margin-right: 0;
  }

  .hero-visual img {
    min-height: 430px;
    -webkit-mask-image: linear-gradient(180deg, #000 0%, #000 100%);
    mask-image: linear-gradient(180deg, #000 0%, #000 100%);
  }

  .service-grid,
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .logo-marquee {
    grid-template-columns: repeat(2, 1fr);
  }

  .renewal {
    align-items: flex-start;
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  body {
    padding-bottom: 64px;
  }

  .topbar {
    display: none;
  }

  .site-header {
    padding: 10px;
  }

  .brand {
    width: 100%;
    justify-content: center;
  }

  .brand img {
    width: min(330px, 94vw);
    height: 88px;
    padding: 8px;
    border-radius: 8px;
    background: #fff;
  }

  .menu-toggle {
    width: 100%;
  }

  .hero-inner {
    min-height: auto;
    padding: 40px 0 70px;
  }

  h1 {
    font-size: clamp(2.35rem, 15vw, 4rem);
  }

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

  .button {
    width: 100%;
  }

  .service-grid,
  .why-grid {
    grid-template-columns: 1fr;
  }

  .brand-strip {
    margin-top: -28px;
    padding: 20px;
  }

  .section {
    padding: 72px 0;
  }

  .quote-panel,
  .hero-visual,
  .intro-card,
  .why-main,
  .renewal,
  .contact-list div,
  .contact-form {
    padding: 22px;
  }

  .hero-visual img {
    height: 430px;
    min-height: 430px;
  }

  .visual-note {
    right: 14px;
    top: 14px;
    bottom: auto;
    left: 14px;
    padding: 14px;
  }

  .mobile-actions {
    position: fixed;
    inset: auto 0 0;
    z-index: 30;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: #fff;
    border-top: 1px solid var(--line);
    box-shadow: 0 -12px 30px rgba(7, 26, 58, 0.14);
  }

  .mobile-actions a {
    display: grid;
    place-items: center;
    min-height: 58px;
    color: var(--blue);
    font-weight: 900;
  }
}