:root {
  --navy: #0d2d5a;
  --navy-dark: #081f40;
  --red: #b21f2d;
  --red-dark: #921622;
  --gold: #c8a86b;
  --text: #1b2a41;
  --muted: #5f6f86;
  --bg: #f4f7fb;
  --bg-soft: #eef3f9;
  --white: #ffffff;
  --border: #d8e1ec;
  --shadow: 0 18px 45px rgba(7, 29, 63, 0.08);
  --shadow-soft: 0 10px 30px rgba(7, 29, 63, 0.06);
  --radius: 22px;
  --radius-sm: 16px;
  --container: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

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

.container {
  width: min(var(--container), calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.88);
  font-size: 13px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
  padding: 10px 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
}

.nav-wrap {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(13, 45, 90, 0.08);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  min-height: 84px;
}

.logo {
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 28px;
  color: var(--muted);
  font-weight: 500;
}

.desktop-nav a:hover {
  color: var(--navy);
}

.nav-cta {
  background: var(--red);
  color: var(--white);
  padding: 13px 20px;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 10px 24px rgba(178, 31, 45, 0.18);
}

.nav-cta:hover {
  background: var(--red-dark);
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at top left, rgba(200, 168, 107, 0.18), transparent 28%),
    linear-gradient(180deg, #f8fbff 0%, #eef3f9 100%);
  padding: 82px 0 72px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(13, 45, 90, 0.02) 25%, transparent 25%) -20px 0 / 40px 40px,
    linear-gradient(225deg, rgba(13, 45, 90, 0.02) 25%, transparent 25%) -20px 0 / 40px 40px,
    linear-gradient(315deg, rgba(13, 45, 90, 0.02) 25%, transparent 25%) 0px 0 / 40px 40px,
    linear-gradient(45deg, rgba(13, 45, 90, 0.02) 25%, transparent 25%) 0px 0 / 40px 40px;
  pointer-events: none;
  opacity: 0.55;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 38px;
  align-items: center;
}

.eyebrow,
.section-tag {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.hero-content h1 {
  margin: 0 0 20px;
  max-width: 740px;
  font-size: clamp(3rem, 6vw, 5.2rem);
  line-height: 0.98;
  letter-spacing: -0.04em;
  color: var(--navy);
}

.hero-lead {
  margin: 0 0 18px;
  font-size: 1.28rem;
  color: var(--text);
  max-width: 760px;
}

.hero-copy {
  margin: 0 0 28px;
  color: var(--muted);
  font-size: 1.05rem;
  max-width: 760px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 28px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  padding: 0 24px;
  border-radius: 14px;
  font-weight: 800;
  transition: 0.2s ease;
  border: 1px solid transparent;
}

.btn-primary {
  background: linear-gradient(180deg, var(--red) 0%, var(--red-dark) 100%);
  color: var(--white);
  box-shadow: 0 14px 30px rgba(178, 31, 45, 0.22);
}

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

.btn-secondary {
  background: rgba(255, 255, 255, 0.86);
  color: var(--navy);
  border-color: var(--border);
}

.btn-secondary:hover {
  background: var(--white);
}

.btn-block {
  width: 100%;
}

.hero-points {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px 22px;
  max-width: 780px;
}

.hero-point {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--text);
  font-weight: 500;
}

.check {
  width: 18px;
  height: 18px;
  border-radius: 999px;
  background: linear-gradient(180deg, var(--gold) 0%, #b48c4a 100%);
  box-shadow: inset 0 0 0 4px rgba(255, 255, 255, 0.82);
  flex: 0 0 18px;
}

.hero-card {
  position: relative;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(10px);
  border-radius: 28px;
  padding: 30px;
  box-shadow: var(--shadow);
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 28px;
  padding: 1px;
  background: linear-gradient(135deg, rgba(200, 168, 107, 0.5), rgba(13, 45, 90, 0.08));

  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;

  mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  mask-composite: exclude;

  pointer-events: none;
}

.mini-label {
  color: var(--gold);
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.74rem;
  margin-bottom: 12px;
}

.hero-card h2 {
  margin: 0 0 18px;
  font-size: 2rem;
  line-height: 1.05;
  color: var(--navy);
}

.risk-list {
  display: grid;
  gap: 0;
  margin-bottom: 24px;
}

.risk-item {
  padding: 15px 0;
  border-bottom: 1px solid rgba(13, 45, 90, 0.1);
  color: var(--text);
  font-weight: 500;
}

.trust-strip {
  position: relative;
  margin-top: -26px;
  z-index: 2;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.trust-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 22px 18px;
  box-shadow: var(--shadow-soft);
  text-align: center;
}

.trust-box strong {
  display: block;
  color: var(--navy);
  font-size: 1rem;
  margin-bottom: 5px;
}

.trust-box span {
  color: var(--muted);
  font-size: 0.95rem;
}

.section {
  padding: 96px 0;
}

.section-soft {
  background: linear-gradient(180deg, #f9fbfe 0%, #f2f6fb 100%);
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 34px;
  text-align: center;
}

.section-heading.left {
  margin-left: 0;
  margin-right: 0;
  text-align: left;
}

.section-heading.light h2,
.section-heading.light p {
  color: var(--white);
}

.section-heading h2 {
  margin: 0 0 14px;
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: var(--navy);
}

.section-heading p {
  margin: 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.coverage-callout {
  max-width: 980px;
  margin: 0 auto 34px;
  padding: 20px 24px;
  border: 1px solid #d7e8da;
  background: #eff8f1;
  border-radius: 18px;
  color: #24452f;
  text-align: center;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.info-card,
.faq-card,
.side-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 22px;
  padding: 28px;
  box-shadow: var(--shadow-soft);
}

.info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 22px;
  padding: 34px 28px 30px;
  box-shadow: var(--shadow-soft);
  transition: 0.22s ease;
}

.info-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 40px rgba(7, 29, 63, 0.09);
}

.info-card h3,
.faq-card h3,
.side-panel h3,
.why-card h3 {
  margin: 0 0 12px;
  font-size: 1.65rem;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.02em;
}

.info-card p,
.faq-card p,
.side-panel p {
  margin: 0;
  color: var(--muted);
  font-size: 1rem;
}

.two-col {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 34px;
  align-items: center;
}

.fit-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 26px;
  box-shadow: var(--shadow-soft);
  padding: 32px;
}

.fit-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
}

.fit-columns ul {
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
}

.fit-columns li {
  margin-bottom: 12px;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.dark-section {
  background:
    radial-gradient(circle at top right, rgba(200, 168, 107, 0.12), transparent 20%),
    linear-gradient(180deg, var(--navy-dark) 0%, var(--navy) 100%);
}

.light-tag {
  color: #e2c690;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.why-card {
  padding: 30px;
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.04);
}

.why-card h3 {
  color: var(--white);
}

.why-card p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
}

.carriers-wrap {
  align-items: center;
  gap: 46px;
}

.carrier-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 24px;
}

.carrier-pills span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  box-shadow: var(--shadow-soft);
}

.quote-section {
  background:
    linear-gradient(180deg, #f8fbff 0%, #eff4f9 100%);
}

.quote-panel {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 26px;
  align-items: stretch;
  padding: 38px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 30px;
  box-shadow: var(--shadow);
}

.quote-content h2 {
  margin: 0 0 14px;
  font-size: clamp(2rem, 3.8vw, 3.2rem);
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: var(--navy);
}

.quote-content p {
  margin: 0 0 20px;
  color: var(--muted);
  font-size: 1.06rem;
}

.quote-list {
  display: grid;
  gap: 12px;
  margin-bottom: 28px;
}

.quote-list div {
  position: relative;
  padding-left: 22px;
  color: var(--text);
  font-weight: 500;
}

.quote-list div::before {
  content: "";
  position: absolute;
  left: 0;
  top: 11px;
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: var(--red);
}

.quote-accent {
  display: grid;
  gap: 18px;
}

.accent-card {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 170px;
  padding: 28px;
  border-radius: 24px;
  background:
    linear-gradient(135deg, rgba(13, 45, 90, 0.95), rgba(8, 31, 64, 0.98));
  color: var(--white);
  box-shadow: var(--shadow-soft);
}

.accent-number {
  font-size: 3rem;
  line-height: 1;
  font-weight: 900;
  margin-bottom: 10px;
  color: #f0d7a6;
}

.accent-text {
  font-size: 1.02rem;
  color: rgba(255, 255, 255, 0.84);
}

.site-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.82);
  padding: 42px 0;
}

.footer-inner {
  display: grid;
  gap: 8px;
}

.footer-brand {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--white);
}

.footer-note {
  margin-top: 8px;
  max-width: 920px;
  font-size: 0.94rem;
  color: rgba(255, 255, 255, 0.68);
}

@media (max-width: 1100px) {
  .hero-grid,
  .two-col,
  .quote-panel {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 820px) {
  .desktop-nav {
    display: none;
  }

  .nav {
    min-height: 74px;
  }

  .logo {
    font-size: 1.28rem;
  }

  .hero {
    padding: 70px 0 62px;
  }

  .hero-content h1 {
    font-size: 2.8rem;
  }

  .hero-points,
  .coverage-grid,
  .faq-grid,
  .why-grid,
  .trust-grid,
  .fit-columns {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 76px 0;
  }

  .hero-card,
  .quote-panel,
  .fit-panel,
  .info-card,
  .faq-card,
  .side-panel {
    padding: 24px;
  }

  .topbar-inner {
    justify-content: center;
    text-align: center;
  }

  .nav-cta {
    display: none;
  }
}

@media (max-width: 560px) {
  .container {
    width: min(var(--container), calc(100% - 22px));
  }

  .hero-content h1 {
    font-size: 2.35rem;
  }

  .hero-lead {
    font-size: 1.08rem;
  }

  .btn {
    width: 100%;
  }

  .hero-actions {
    flex-direction: column;
  }

  .section-heading h2,
  .quote-content h2 {
    font-size: 2rem;
  }
}