:root{--navy:#0B1F4D;--blue:#1747B5;--gold:#D4A63A;--ink:#1B2540;--muted:#4A5672;--line:#DCE4F0;--sky:#EEF4FB;--mist:#F5F8FD}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,sans-serif;color:var(--ink);background:#fff;line-height:1.5}
img{max-width:100%;display:block}
a{color:var(--blue)}a:hover{color:var(--navy)}
h1,h2,h3{font-family:Montserrat,sans-serif;color:var(--navy);margin:0}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:14px 28px;border-radius:999px;font-weight:600;font-size:17px;text-decoration:none;cursor:pointer;border:0;font-family:inherit}
.btn-primary{background:var(--navy);color:#fff;border:2px solid var(--gold)}
.btn-primary:hover{color:#fff;background:#13306e}
.btn-ghost{background:#fff;color:var(--navy);border:1px solid #C6D3E6}
.btn-gold{background:var(--gold);color:var(--navy);font-weight:700}
.btn-gold:hover{color:var(--navy);background:#e0b654}
.btn-outline-light{color:#fff;border:1px solid #8FA4C8}
.btn-outline-light:hover{color:#fff;background:rgba(255,255,255,.08)}
.eyebrow{font-size:14px;font-weight:700;letter-spacing:1.5px;color:var(--blue);text-transform:uppercase}
.section{padding:96px 0}
.section-head{display:flex;flex-direction:column;gap:12px;align-items:center;text-align:center;margin-bottom:48px}
.section-head h2{font-weight:800;font-size:clamp(30px,5vw,40px);letter-spacing:-.8px}
.section-head p{margin:0;font-size:18px;color:var(--muted);max-width:620px}
/* header */
.site-header{background:#fff;border-bottom:1px solid #E3E9F3;position:sticky;top:0;z-index:30}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px;flex-wrap:wrap}
.brand{text-decoration:none;display:flex;flex-direction:column;gap:2px}
.brand b{font-family:Montserrat,sans-serif;font-weight:800;font-size:24px;color:var(--navy);letter-spacing:-.5px}
.brand span{font-size:13px;font-weight:600;color:var(--blue);letter-spacing:.4px}
.nav{display:flex;align-items:center;gap:28px;font-size:15px;font-weight:500;flex-wrap:wrap}
.nav a{color:var(--ink);text-decoration:none}
.nav .phone{color:var(--navy);font-weight:600}
.nav .btn{min-height:44px;padding:10px 20px;font-size:15px;background:var(--navy);color:#fff}
/* hero */
.hero{background:var(--sky);border-bottom:4px solid var(--gold)}
.hero .wrap{display:flex;flex-wrap:wrap;gap:56px;align-items:center;padding-top:72px;padding-bottom:80px}
.hero-copy{flex:1 1 480px;min-width:0;display:flex;flex-direction:column;gap:24px}
.pill{align-self:flex-start;background:#fff;color:var(--navy);font-size:14px;font-weight:600;padding:8px 14px;border-radius:999px;border:1px solid #D3DEEE}
.hero h1{font-weight:800;font-size:clamp(40px,7vw,60px);line-height:1.05;letter-spacing:-1.5px}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero p.lead{margin:0;font-size:20px;line-height:1.55;color:#3A4660;max-width:540px}
.ctas{display:flex;flex-wrap:wrap;gap:14px}
.values{display:flex;flex-wrap:wrap;gap:22px;font-size:15px;color:#3A4660;font-weight:500}
.values span{display:inline-flex;align-items:center;gap:8px}
/* form */
.quote{flex:1 1 380px;min-width:0;max-width:460px;background:#fff;border-radius:20px;padding:32px;box-shadow:0 20px 50px rgba(11,31,77,.12);border:1px solid var(--line);display:flex;flex-direction:column;gap:16px}
.agent{display:flex;align-items:center;gap:14px;padding-bottom:16px;border-bottom:1px solid #E3E9F3}
.agent img{width:56px;height:56px;border-radius:999px;object-fit:cover;border:2px solid var(--gold)}
.agent b{display:block;font-family:Montserrat,sans-serif;font-size:16px;color:var(--navy)}
.agent span{font-size:13px;color:var(--muted)}
.quote h2{font-size:24px;font-weight:700}
.quote .sub{margin:4px 0 0;font-size:15px;color:var(--muted)}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:#26314D}
.field input,.field select{height:46px;border:1px solid #C6D3E6;border-radius:10px;padding:0 12px;font-size:16px;font-family:inherit;background:#fff;min-width:0;width:100%}
.field input:focus,.field select:focus{outline:2px solid var(--blue);outline-offset:1px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12px;line-height:1.5;color:var(--muted)}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.quote .btn{width:100%;font-family:Montserrat,sans-serif;font-weight:700;min-height:54px}
.fine{margin:0;font-size:12px;color:var(--muted);text-align:center}
.hidden{position:absolute;left:-9999px}
/* credentials */
.creds{background:var(--navy);color:#fff}
.creds .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 40px;padding-top:22px;padding-bottom:22px;font-size:15px;font-weight:500}
.creds i{color:var(--gold);font-style:normal}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:var(--mist);border:1px solid #E0E8F3;border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:14px}
.card h3{font-size:21px;font-weight:700}
.card p{margin:0;font-size:16px;line-height:1.55;color:var(--muted)}
.icon{width:56px;height:56px;border-radius:14px;background:var(--navy);display:flex;align-items:center;justify-content:center;border:2px solid var(--gold)}
.steps{background:var(--sky)}
.steps .card{background:#fff;border-color:var(--line)}
.num{font-family:Montserrat,sans-serif;font-weight:800;font-size:44px;color:var(--gold);line-height:1}
/* about */
.about .wrap{display:flex;flex-wrap:wrap;gap:56px;align-items:center}
.about img{flex:0 1 400px;min-width:260px;width:100%;max-width:420px;aspect-ratio:1/1;object-fit:cover;border-radius:24px;border:4px solid var(--gold);box-shadow:0 20px 50px rgba(11,31,77,.15)}
.about-copy{flex:1 1 440px;min-width:0;display:flex;flex-direction:column;gap:20px}
.about-copy h2{font-weight:800;font-size:clamp(30px,5vw,40px);letter-spacing:-.8px}
.about-copy p{margin:0;font-size:18px;line-height:1.65;color:#3A4660}
.tags{display:flex;flex-wrap:wrap;gap:12px}
.tags span{background:var(--mist);border:1px solid var(--line);border-radius:999px;padding:10px 16px;font-size:15px;font-weight:500;color:var(--navy)}
/* stats */
.why{border-top:1px solid #E3E9F3}
.stat{background:var(--navy);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:8px;border-bottom:4px solid var(--gold)}
.stat b{font-family:Montserrat,sans-serif;font-weight:800;font-size:44px;color:#fff;line-height:1.1}
.stat span{font-size:16px;color:#D6E0F0}
/* faq */
.faq{background:var(--mist)}
.faq .wrap{max-width:860px}
.faq-list{display:flex;flex-direction:column;gap:14px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px}
summary{font-family:Montserrat,sans-serif;font-weight:700;font-size:18px;color:var(--navy);cursor:pointer}
details p{margin:12px 0 0;font-size:16px;line-height:1.6;color:var(--muted)}
/* final cta */
.final{background:var(--navy);border-top:4px solid var(--gold);text-align:center}
.final .wrap{display:flex;flex-direction:column;align-items:center;gap:22px;padding-top:80px;padding-bottom:80px}
.final h2{color:#fff;font-weight:800;font-size:clamp(30px,5vw,40px);letter-spacing:-.8px}
.final p{margin:0;font-size:18px;color:#D6E0F0;max-width:560px}
/* footer */
.site-footer{background:#07142F;color:#B9C6DC;font-size:14px;line-height:1.6}
.site-footer .wrap{padding-top:48px;padding-bottom:48px;display:flex;flex-direction:column;gap:24px}
.foot-cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px}
.foot-cols div{display:flex;flex-direction:column;gap:4px}
.foot-cols b{font-family:Montserrat,sans-serif;font-weight:800;font-size:20px;color:#fff}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.disclaimer{margin:0;border-top:1px solid #1E2C4C;padding-top:20px;font-size:13px;color:#A3B2CC}
/* mobile bar */
.mobilebar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(11,31,77,.10);padding:10px 12px;gap:10px}
.mobilebar a{min-height:48px;border-radius:999px;text-decoration:none;font-weight:600;font-size:16px;display:flex;align-items:center;justify-content:center;gap:8px}
.mobilebar .call{flex:1;border:1px solid #C6D3E6;color:var(--navy)}
.mobilebar .go{flex:2;background:var(--navy);border:2px solid var(--gold);color:#fff;font-weight:700}
/* simple pages */
.page{max-width:820px;margin:0 auto;padding:72px 24px 96px;display:flex;flex-direction:column;gap:28px}
.legal{font-size:16px;line-height:1.7;color:#3A4660}
.legal h2{font-size:22px;font-weight:700;margin-top:8px}
.legal ul{margin:0;padding-left:22px}
.legal p{margin:0}
.box{background:var(--mist);border:1px solid var(--line);border-radius:16px;padding:24px}
.ty-head{display:flex;flex-direction:column;align-items:center;text-align:center;gap:18px}
.check{width:76px;height:76px;border-radius:999px;background:var(--navy);border:3px solid var(--gold);display:flex;align-items:center;justify-content:center}
.ty-head h1{font-weight:800;font-size:clamp(34px,6vw,52px);line-height:1.1;letter-spacing:-1px}
.ty-head p{margin:0;font-size:19px;line-height:1.6;color:#3A4660;max-width:600px}
.ty-steps{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:16px}
.ty-steps li{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px 28px;display:flex;gap:20px;align-items:flex-start}
.ty-steps .num{font-size:30px;flex:none}
.ty-steps h2{font-size:20px;font-weight:700;margin-bottom:6px}
.ty-steps p{margin:0;font-size:16px;line-height:1.6;color:var(--muted)}
.ty-cta{background:var(--navy);border-radius:20px;padding:36px 32px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;border-bottom:4px solid var(--gold)}
.ty-cta h2{color:#fff;font-size:24px;font-weight:800}
.ty-cta p{margin:6px 0 0;color:#D6E0F0}
@media (max-width:760px){
  .nav{display:none}
  .mobilebar{display:flex}
  body{padding-bottom:76px}
  .section{padding:64px 0}
  .hero .wrap{padding-top:40px;padding-bottom:48px;gap:36px}
  .quote{padding:24px}
}