:root{
  --navy:#0D1B2A;
  --blue:#1D4ED8;
  --green:#22C55E;
  --grey:#F5F7FA;
  --gold:#D4AF37;
  --accentblue:#60A5FA;
  --white:#ffffff;
  --text-dark:#0D1B2A;
  --text-muted:#5B6B7C;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',sans-serif;color:var(--text-dark);background:var(--white);line-height:1.6;overflow-x:hidden;}
h1,h2,h3,h4{font-family:'Manrope',sans-serif;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.container{max-width:1180px;margin:0 auto;padding:0 24px;}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:6px 14px;border-radius:100px;}

/* NAV */
nav{position:sticky;top:0;z-index:100;background:rgba(13,27,42,0.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,0.08);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;}
.logo{font-family:'Manrope',sans-serif;font-weight:800;font-size:22px;color:var(--white);letter-spacing:-0.02em;}
.logo span{color:var(--accentblue);}
.nav-links{display:flex;gap:28px;list-style:none;}
.nav-links a{color:rgba(255,255,255,0.82);font-size:14px;font-weight:600;transition:color .2s;}
.nav-links a:hover,.nav-links a.current{color:var(--white);}
.nav-actions{display:flex;align-items:center;gap:14px;}
.lang-toggle{display:flex;background:rgba(255,255,255,0.08);border-radius:100px;padding:3px;font-size:12px;font-weight:700;}
.lang-toggle a{padding:5px 11px;border-radius:100px;color:rgba(255,255,255,0.6);}
.lang-toggle a.active{background:var(--white);color:var(--navy);}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 22px;border-radius:9px;font-weight:700;font-size:14px;cursor:pointer;border:none;transition:transform .15s ease, box-shadow .15s ease;white-space:nowrap;font-family:'Inter',sans-serif;}
.btn-primary{background:var(--blue);color:var(--white);box-shadow:0 6px 20px rgba(29,78,216,0.35);}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(29,78,216,0.45);}
.btn-gold{background:var(--white);color:var(--navy);}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(255,255,255,0.25);}
.btn-outline{background:transparent;border:1.5px solid rgba(255,255,255,0.35);color:var(--white);}
.btn-outline:hover{border-color:var(--white);}
.mobile-toggle{display:none;background:none;border:none;color:var(--white);font-size:26px;cursor:pointer;line-height:1;}
.mobile-menu{display:none;background:var(--navy);border-top:1px solid rgba(255,255,255,0.08);padding:12px 24px 20px;}
.mobile-menu a{display:block;padding:11px 0;color:rgba(255,255,255,0.85);font-size:15px;font-weight:600;border-bottom:1px solid rgba(255,255,255,0.06);}
.mobile-menu.open{display:block;}

/* HERO (home) */
.hero{position:relative;padding:96px 0 80px;background:linear-gradient(160deg, #0D1B2A 0%, #10233a 55%, #0a1622 100%);overflow:hidden;color:var(--white);}
.hero::before{content:'';position:absolute;top:-20%;right:-10%;width:60%;height:140%;background:radial-gradient(circle, rgba(29,78,216,0.35) 0%, transparent 65%);pointer-events:none;}
.hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:50%;height:100%;background:radial-gradient(circle, rgba(34,197,94,0.12) 0%, transparent 65%);pointer-events:none;}
.hero-grid{display:grid;grid-template-columns:1.05fr 0.95fr;gap:56px;align-items:center;position:relative;z-index:2;}
.hero-badge{background:rgba(255,255,255,0.1);color:var(--white);border:1px solid rgba(255,255,255,0.25);}
.hero h1{font-size:46px;line-height:1.14;font-weight:800;margin:20px 0 20px;letter-spacing:-0.02em;}
.hero h1 .accent{color:var(--accentblue);}
.hero p.lead{font-size:17px;color:rgba(255,255,255,0.72);max-width:520px;margin-bottom:32px;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px;}
.hero-trust{display:flex;gap:28px;flex-wrap:wrap;}
.hero-trust-item{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(255,255,255,0.65);font-weight:600;}
.hero-trust-item .dot{width:6px;height:6px;border-radius:50%;background:var(--green);}
.hero-visual{position:relative;}
.hero-photo-card{position:relative;border-radius:20px;overflow:hidden;box-shadow:0 40px 80px -20px rgba(0,0,0,0.6);border:1px solid rgba(255,255,255,0.1);}
.hero-photo-card img{width:100%;height:420px;object-fit:cover;}
.hero-photo-overlay{position:absolute;inset:0;background:linear-gradient(180deg, rgba(13,27,42,0) 40%, rgba(13,27,42,0.75) 100%);}
.floating-card{position:absolute;background:var(--white);border-radius:14px;padding:16px 18px;box-shadow:0 20px 40px rgba(0,0,0,0.25);color:var(--text-dark);}
.floating-card.premium{bottom:-24px;left:-24px;min-width:220px;}
.floating-card.premium .label{font-size:11px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;font-weight:700;margin-bottom:4px;}
.floating-card.premium .value{font-size:24px;font-weight:800;color:var(--blue);}
.floating-card.premium .value span{font-size:13px;color:var(--text-muted);font-weight:600;}
.floating-card.rating{top:24px;right:-20px;display:flex;align-items:center;gap:10px;}
.floating-card.rating .stars{color:var(--blue);font-size:14px;letter-spacing:2px;}
.floating-card.rating .num{font-weight:800;font-size:15px;}

/* PAGE HERO (subpages) */
.page-hero{position:relative;padding:64px 0 56px;background:linear-gradient(160deg, #0D1B2A 0%, #10233a 55%, #0a1622 100%);color:var(--white);overflow:hidden;}
.page-hero::before{content:'';position:absolute;top:-40%;right:-10%;width:50%;height:160%;background:radial-gradient(circle, rgba(29,78,216,0.3) 0%, transparent 65%);pointer-events:none;}
.page-hero .eyebrow{color:var(--accentblue);}
.page-hero h1{font-size:38px;font-weight:800;letter-spacing:-0.02em;margin-bottom:14px;position:relative;z-index:2;}
.page-hero p{color:rgba(255,255,255,0.7);max-width:600px;font-size:16px;position:relative;z-index:2;}

/* SECTIONS */
.section{padding:88px 0;}
.section.slim{padding:64px 0;}
.section.grey{background:var(--grey);}
.section-head{text-align:center;max-width:640px;margin:0 auto 52px;}
.eyebrow{color:var(--blue);font-weight:800;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px;display:block;}
.section-head h2{font-size:34px;font-weight:800;letter-spacing:-0.02em;color:var(--navy);margin-bottom:14px;}
.section-head p{color:var(--text-muted);font-size:16px;}

/* INSURANCE CARDS */
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.icard{background:var(--white);border:1px solid #E6E9EF;border-radius:16px;padding:28px 26px;transition:transform .2s ease, box-shadow .2s ease, border-color .2s;}
.icard:hover{transform:translateY(-6px);box-shadow:0 20px 40px rgba(13,27,42,0.08);border-color:transparent;}
.icard .icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:18px;background:rgba(29,78,216,0.08);color:var(--blue);}
.icard h3{font-size:18px;font-weight:700;margin-bottom:8px;color:var(--navy);}
.icard p{font-size:14px;color:var(--text-muted);margin-bottom:16px;}
.icard .link{font-size:13px;font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px;}

/* INSURANCE DETAIL */
.product{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;padding:56px 0;border-bottom:1px solid #E6E9EF;}
.product:last-child{border-bottom:none;}
.product h3{font-size:24px;font-weight:800;color:var(--navy);margin-bottom:12px;display:flex;align-items:center;gap:12px;}
.product h3 .icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px;background:rgba(29,78,216,0.08);flex-shrink:0;}
.product p{font-size:15px;color:var(--text-muted);margin-bottom:16px;}
.product h4{font-size:13px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;}
.covers{list-style:none;margin-bottom:20px;}
.covers li{display:flex;gap:10px;font-size:14px;color:var(--text-dark);padding:6px 0;}
.covers li::before{content:'✓';color:var(--green);font-weight:800;flex-shrink:0;}
.for-whom{background:var(--grey);border-radius:12px;padding:18px 20px;font-size:14px;color:var(--text-muted);margin-bottom:20px;}
.for-whom strong{color:var(--navy);}

/* WHY */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.why-photo{position:relative;border-radius:18px;overflow:hidden;box-shadow:0 30px 60px -15px rgba(13,27,42,0.25);}
.why-photo img{width:100%;height:440px;object-fit:cover;}
.why-list{list-style:none;}
.why-list li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid #E6E9EF;}
.why-list li:last-child{border-bottom:none;}
.why-check{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:rgba(34,197,94,0.14);color:var(--green);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;}
.why-list h4{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:2px;}
.why-list p{font-size:14px;color:var(--text-muted);}

/* CALCULATOR */
.calc-wrap{background:linear-gradient(160deg,#0D1B2A 0%,#122843 100%);border-radius:24px;padding:56px;color:var(--white);position:relative;overflow:hidden;}
.calc-wrap::before{content:'';position:absolute;top:-30%;right:-10%;width:50%;height:120%;background:radial-gradient(circle, rgba(96,165,250,0.14) 0%, transparent 65%);}
.calc-head{text-align:center;max-width:560px;margin:0 auto 40px;position:relative;z-index:2;}
.calc-head .eyebrow{color:var(--accentblue);}
.calc-head h2{color:var(--white);font-size:34px;font-weight:800;letter-spacing:-0.02em;margin-bottom:14px;}
.calc-head p{color:rgba(255,255,255,0.65);}
.calc-tabs{display:flex;gap:8px;justify-content:center;margin-bottom:32px;flex-wrap:wrap;position:relative;z-index:2;}
.calc-tab{padding:10px 22px;border-radius:100px;font-size:14px;font-weight:700;background:rgba(255,255,255,0.06);color:rgba(255,255,255,0.65);cursor:pointer;border:1px solid rgba(255,255,255,0.1);transition:all .2s;font-family:'Inter',sans-serif;}
.calc-tab.active{background:var(--blue);color:var(--white);border-color:var(--blue);}
.calc-panel{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:16px;padding:32px;position:relative;z-index:2;}
.calc-panel[hidden]{display:none;}
.calc-fields{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:26px;}
.field label{display:block;font-size:12px;font-weight:700;color:rgba(255,255,255,0.55);text-transform:uppercase;letter-spacing:.03em;margin-bottom:8px;}
.field select,.field input{width:100%;padding:12px 14px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.14);border-radius:9px;color:var(--white);font-size:14px;font-family:'Inter',sans-serif;}
.field select option{color:#111;}
.calc-result{display:flex;align-items:center;justify-content:space-between;background:rgba(34,197,94,0.1);border:1px solid rgba(34,197,94,0.3);border-radius:12px;padding:22px 26px;flex-wrap:wrap;gap:16px;}
.calc-result .rlabel{font-size:13px;color:rgba(255,255,255,0.6);margin-bottom:4px;}
.calc-result .rvalue{font-size:30px;font-weight:800;color:var(--green);}
.calc-result .rvalue span{font-size:14px;color:rgba(255,255,255,0.6);font-weight:600;}
.calc-disclaimer{font-size:12px;color:rgba(255,255,255,0.4);text-align:center;margin-top:20px;position:relative;z-index:2;max-width:720px;margin-left:auto;margin-right:auto;}

/* BUSINESS */
.biz-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.biz-photo{border-radius:18px;overflow:hidden;box-shadow:0 30px 60px -15px rgba(13,27,42,0.25);}
.biz-photo img{width:100%;height:420px;object-fit:cover;}
.biz-services{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:28px 0 32px;}
.biz-service{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;color:var(--navy);background:var(--white);border:1px solid #E6E9EF;border-radius:10px;padding:13px 16px;}
.biz-service .dot{width:8px;height:8px;border-radius:50%;background:var(--blue);flex-shrink:0;}

/* PARTNERS */
.partners-row{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:28px;opacity:0.85;}
.partner-name{font-family:'Manrope',sans-serif;font-weight:800;font-size:19px;color:var(--text-muted);letter-spacing:-0.01em;}

/* CLAIMS */
.claims{position:relative;padding:0;}
.claims-inner{display:grid;grid-template-columns:1fr 1fr;min-height:480px;}
.claims-photo{position:relative;overflow:hidden;}
.claims-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;}
.claims-photo::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg, rgba(13,27,42,0.15), rgba(13,27,42,0.5));}
.claims-content{background:var(--navy);color:var(--white);display:flex;flex-direction:column;justify-content:center;padding:64px;}
.claims-content .eyebrow{color:var(--accentblue);}
.claims-content h2{color:var(--white);font-size:32px;margin-bottom:16px;}
.claims-content p{color:rgba(255,255,255,0.68);margin-bottom:28px;font-size:15px;max-width:440px;}
.claims-steps{list-style:none;margin-bottom:32px;}
.claims-steps li{display:flex;gap:14px;margin-bottom:16px;font-size:14px;color:rgba(255,255,255,0.8);}
.claims-steps .num{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:rgba(96,165,250,0.18);color:var(--accentblue);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center;}

/* FORM / CONTACT */
.contact-wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
.contact-form{background:var(--white);border:1px solid #E6E9EF;border-radius:18px;padding:36px;box-shadow:0 20px 50px rgba(13,27,42,0.06);}
.contact-form h3{font-size:20px;font-weight:800;color:var(--navy);margin-bottom:6px;}
.contact-form p.sub{font-size:13px;color:var(--text-muted);margin-bottom:24px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px;}
.form-field label{display:block;font-size:12px;font-weight:700;color:var(--text-muted);margin-bottom:6px;}
.form-field input,.form-field select,.form-field textarea{width:100%;padding:12px 14px;border:1px solid #E0E4EA;border-radius:9px;font-size:14px;font-family:'Inter',sans-serif;background:#FAFBFC;}
.form-field textarea{resize:vertical;min-height:80px;}
.form-consent{display:flex;align-items:flex-start;gap:10px;font-size:12px;color:var(--text-muted);margin:16px 0 20px;}
.form-consent input{margin-top:3px;width:auto;}
.form-consent a{color:var(--blue);font-weight:600;}
.hp-field{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden;}
.contact-info-card{background:var(--grey);border-radius:18px;padding:36px;}
.contact-info-card h3{font-size:20px;font-weight:800;color:var(--navy);margin-bottom:20px;}
.info-row{display:flex;gap:14px;margin-bottom:20px;}
.info-icon{width:40px;height:40px;border-radius:10px;background:rgba(29,78,216,0.1);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:16px;}
.info-row h4{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:2px;}
.info-row p{font-size:13px;color:var(--text-muted);}

/* PROSE (legal pages, about) */
.prose{max-width:760px;margin:0 auto;}
.prose h2{font-size:24px;font-weight:800;color:var(--navy);margin:36px 0 14px;}
.prose h3{font-size:18px;font-weight:700;color:var(--navy);margin:24px 0 10px;}
.prose p,.prose li{font-size:15px;color:var(--text-muted);margin-bottom:12px;}
.prose ul{padding-left:22px;margin-bottom:16px;}
.prose strong{color:var(--navy);}
.prose .todo{background:rgba(212,175,55,0.12);border:1px solid rgba(212,175,55,0.4);border-radius:10px;padding:14px 18px;font-size:13px;color:#8a6d1a;margin:20px 0;}

/* STEPS (about / how we work) */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.step-card{background:var(--white);border:1px solid #E6E9EF;border-radius:16px;padding:28px 26px;}
.step-card .num{width:36px;height:36px;border-radius:50%;background:rgba(29,78,216,0.1);color:var(--blue);font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.step-card h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.step-card p{font-size:14px;color:var(--text-muted);}

/* CTA STRIP */
.cta-strip{background:linear-gradient(160deg,#0D1B2A 0%,#122843 100%);border-radius:24px;padding:52px;text-align:center;color:var(--white);position:relative;overflow:hidden;}
.cta-strip::before{content:'';position:absolute;top:-40%;left:20%;width:60%;height:180%;background:radial-gradient(circle, rgba(29,78,216,0.25) 0%, transparent 65%);pointer-events:none;}
.cta-strip h2{font-size:30px;font-weight:800;margin-bottom:12px;position:relative;z-index:2;}
.cta-strip p{color:rgba(255,255,255,0.68);margin-bottom:26px;position:relative;z-index:2;}
.cta-strip .btn{position:relative;z-index:2;}

/* SUCCESS PAGE */
.success-box{text-align:center;max-width:520px;margin:0 auto;padding:40px 0;}
.success-box .mark{width:72px;height:72px;border-radius:50%;background:rgba(34,197,94,0.14);color:var(--green);font-size:32px;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;}
.success-box h1{font-size:30px;font-weight:800;color:var(--navy);margin-bottom:12px;}
.success-box p{color:var(--text-muted);margin-bottom:28px;}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,0.6);padding:56px 0 28px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px;}
.footer-logo{font-family:'Manrope',sans-serif;font-weight:800;font-size:20px;color:var(--white);margin-bottom:12px;}
.footer-logo span{color:var(--accentblue);}
.footer-grid p{font-size:13px;line-height:1.7;max-width:280px;}
.footer-col h5{color:var(--white);font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;margin-bottom:16px;}
.footer-col ul{list-style:none;}
.footer-col li{margin-bottom:10px;}
.footer-col a{font-size:13px;color:rgba(255,255,255,0.55);transition:color .2s;}
.footer-col a:hover{color:var(--white);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding-top:24px;display:flex;justify-content:space-between;font-size:12px;flex-wrap:wrap;gap:12px;}
.footer-legal-note{background:rgba(96,165,250,0.08);border:1px solid rgba(96,165,250,0.22);border-radius:10px;padding:14px 18px;font-size:12px;color:rgba(255,255,255,0.65);margin-bottom:32px;line-height:1.6;}
.footer-legal-note strong{color:var(--white);}

@media(max-width:960px){
  .nav-links,.hero-trust{display:none;}
  .mobile-toggle{display:block;}
  .hero-grid,.why-grid,.biz-grid,.claims-inner,.contact-wrap,.product{grid-template-columns:1fr;}
  .cards-grid,.steps-grid{grid-template-columns:repeat(2,1fr);}
  .calc-fields{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .hero h1{font-size:34px;}
  .page-hero h1{font-size:30px;}
  .claims-content{padding:40px 28px;}
}
@media(max-width:600px){
  .cards-grid,.biz-services,.form-row,.steps-grid{grid-template-columns:1fr;}
  .calc-fields{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .calc-wrap{padding:32px 20px;}
  .nav-actions .btn{display:none;}
}