:root {
  color-scheme: light;
  --ink: #18242b;
  --muted: #5e6b70;
  --paper: #fbfaf6;
  --cream: #f2eadc;
  --line: rgba(24, 36, 43, 0.14);
  --teal: #0f7c83;
  --pine: #1c5f4c;
  --coral: #c95e49;
  --gold: #e6b85c;
  --sky: #89c8d7;
  --shadow: 0 24px 70px rgba(24, 36, 43, 0.14);
  --anchor-offset: 88px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  min-width: 320px;
  margin: 0;
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background:
    linear-gradient(120deg, rgba(137, 200, 215, 0.22), transparent 34%),
    linear-gradient(280deg, rgba(230, 184, 92, 0.18), transparent 42%),
    var(--paper);
}

body::before {
  position: fixed;
  inset: 0;
  z-index: -1;
  background-image:
    linear-gradient(rgba(24, 36, 43, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(24, 36, 43, 0.035) 1px, transparent 1px);
  background-size: 36px 36px;
  content: "";
}

a {
  color: inherit;
  -webkit-tap-highlight-color: rgba(15, 124, 131, 0.12);
}

p,
h1,
h2,
h3 {
  margin: 0;
}

p {
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.72;
}

.site-header,
main {
  position: relative;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  width: 100%;
  min-height: 68px;
  margin: 0 auto;
  padding: 10px max(16px, calc((100vw - 1180px) / 2));
  border-bottom: 1px solid rgba(24, 36, 43, 0.08);
  background: rgba(251, 250, 246, 0.82);
  backdrop-filter: blur(20px);
  box-shadow: 0 10px 28px rgba(24, 36, 43, 0.05);
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 0;
  gap: 12px;
  text-decoration: none;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-size: clamp(1.18rem, 1.7vw, 1.45rem);
  line-height: 1;
}

.brand small {
  color: var(--muted);
  font-size: clamp(0.78rem, 1vw, 0.92rem);
  font-weight: 650;
  line-height: 1.25;
}

.brand-mark {
  display: grid;
  place-items: center;
  overflow: hidden;
  width: 42px;
  height: 42px;
  border: 1px solid rgba(255, 255, 255, 0.74);
  border-radius: 9px;
  background: rgba(255, 255, 255, 0.74);
  box-shadow: 0 10px 22px rgba(15, 124, 131, 0.16);
}

.brand-mark img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 6px;
}

nav a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 10px 12px;
  border-radius: 999px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
  text-decoration: none;
  transition: background 160ms ease, color 160ms ease, outline-color 160ms ease;
  -webkit-tap-highlight-color: transparent;
}

nav a:hover {
  background: rgba(255, 255, 255, 0.72);
  color: var(--ink);
}

nav a:focus-visible,
nav a:active {
  background: rgba(255, 255, 255, 0.82);
  color: var(--ink);
  outline: 2px solid rgba(15, 124, 131, 0.34);
  outline-offset: 2px;
}

.section-band {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: 72px 0;
}

.page-band {
  position: relative;
  border-top: 1px solid rgba(24, 36, 43, 0.055);
}

.page-band[id],
.final-cta[id] {
  scroll-margin-top: var(--anchor-offset);
}

.page-band:first-child {
  border-top: 0;
}

.hero-band {
  background:
    linear-gradient(120deg, rgba(137, 200, 215, 0.2), transparent 34%),
    linear-gradient(280deg, rgba(230, 184, 92, 0.16), transparent 42%);
}

.trust-band {
  padding: 24px 0;
  background: rgba(255, 255, 255, 0.36);
}

.why-band {
  background: linear-gradient(135deg, rgba(242, 234, 220, 0.62), rgba(255, 255, 255, 0.18));
}

.approach-band {
  background: rgba(137, 200, 215, 0.11);
}

.check-band {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.48), rgba(230, 184, 92, 0.12));
}

.carrier-band {
  background: rgba(28, 95, 76, 0.06);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.74fr);
  align-items: center;
  gap: clamp(32px, 6vw, 86px);
  min-height: calc(100svh - 68px);
  padding-top: 36px;
}

.eyebrow {
  color: var(--teal);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.11em;
  line-height: 1.35;
  text-transform: uppercase;
}

h1,
h2 {
  max-width: 760px;
  margin-top: 12px;
  color: var(--ink);
  letter-spacing: 0;
}

h1 {
  font-size: clamp(2.85rem, 5.8vw, 5.4rem);
  line-height: 1;
}

h2 {
  font-size: clamp(2rem, 3.7vw, 4rem);
  line-height: 1.03;
}

h3 {
  font-size: 1.12rem;
  line-height: 1.2;
}

.lead {
  max-width: 640px;
  margin-top: 20px;
  color: #3c4a50;
  font-size: clamp(1.05rem, 1.8vw, 1.24rem);
}

.hero-actions,
.contact-panel {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  margin-top: 26px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 18px;
  border: 1px solid var(--line);
  border-radius: 7px;
  font-weight: 850;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

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

.button.primary {
  border-color: transparent;
  background: var(--ink);
  color: white;
  box-shadow: 0 14px 30px rgba(24, 36, 43, 0.18);
}

.button.secondary {
  background: rgba(255, 255, 255, 0.72);
  color: var(--ink);
}

.hero-visual {
  position: relative;
  min-height: 500px;
}

.policy-card {
  position: absolute;
  display: grid;
  gap: 10px;
  width: min(100%, 410px);
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.72);
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.84), rgba(255, 255, 255, 0.54)),
    linear-gradient(135deg, rgba(137, 200, 215, 0.2), rgba(230, 184, 92, 0.17));
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.card-title {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.card-title strong {
  min-width: 0;
}

.card-title img {
  flex: 0 0 auto;
  width: clamp(42px, 4.8vw, 58px);
  height: clamp(42px, 4.8vw, 58px);
  border-radius: 50%;
  object-fit: cover;
  box-shadow: 0 12px 26px rgba(24, 36, 43, 0.12);
}

.policy-card strong {
  font-size: clamp(1.55rem, 3vw, 2.45rem);
  line-height: 1;
}

.policy-card span:not(.card-label) {
  color: var(--muted);
  line-height: 1.5;
}

.card-label {
  width: fit-content;
  padding: 6px 9px;
  border-radius: 999px;
  background: rgba(15, 124, 131, 0.11);
  color: var(--teal);
  font-size: 0.73rem;
  font-weight: 900;
  text-transform: uppercase;
}

.card-main {
  top: 68px;
  right: 0;
}

.card-side {
  top: 258px;
  right: 0;
  max-width: 410px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.78), rgba(255, 255, 255, 0.5)),
    linear-gradient(135deg, rgba(201, 94, 73, 0.13), rgba(28, 95, 76, 0.12));
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--line);
}

.trust-strip div {
  min-height: 116px;
  padding: 22px;
  background: rgba(255, 255, 255, 0.62);
}

.trust-strip strong,
.trust-strip span {
  display: block;
}

.trust-strip strong {
  margin-bottom: 9px;
}

.trust-strip span {
  color: var(--muted);
  line-height: 1.5;
}

.split,
.carrier-note {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1fr);
  gap: clamp(28px, 6vw, 80px);
}

.copy-stack {
  display: grid;
  gap: 14px;
}

.approach {
  position: relative;
}

.section-heading {
  margin-bottom: 30px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.steps article {
  min-height: 205px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.62);
}

.steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 34px;
  border-radius: 50%;
  background: var(--cream);
  color: var(--coral);
  font-weight: 900;
}

.steps p {
  margin-top: 12px;
}

.coverage-check {
  display: grid;
  grid-template-columns: minmax(0, 0.75fr) minmax(0, 1fr);
  align-items: start;
  gap: clamp(28px, 6vw, 80px);
}

.checklist {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.checklist li {
  position: relative;
  min-height: 58px;
  padding: 17px 18px 17px 54px;
  border: 1px solid rgba(24, 36, 43, 0.12);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.7);
  color: #334248;
  font-weight: 720;
  line-height: 1.42;
}

.checklist li::before {
  position: absolute;
  top: 18px;
  left: 18px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--pine);
  color: white;
  content: "";
  font-size: 0.8rem;
  font-weight: 900;
  line-height: 20px;
  text-align: center;
}

.checklist li::after {
  position: absolute;
  top: 22px;
  left: 24px;
  width: 8px;
  height: 4px;
  border-bottom: 2px solid white;
  border-left: 2px solid white;
  content: "";
  transform: rotate(-45deg);
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.carrier-grid[hidden] {
  display: none;
}

.carrier-grid span {
  display: grid;
  place-items: center;
  min-height: 86px;
  border: 1px solid rgba(24, 36, 43, 0.11);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.7);
  color: #536369;
  font-weight: 850;
}

.carrier-copy p {
  margin-top: 20px;
}

.final-cta {
  position: relative;
  z-index: 2;
  margin-top: 0;
  padding: 72px 16px 82px;
  background:
    linear-gradient(135deg, rgba(24, 36, 43, 0.96), rgba(28, 95, 76, 0.94)),
    var(--ink);
  color: white;
}

.cta-inner {
  position: relative;
  width: min(900px, 100%);
  margin: 0 auto;
}

.final-cta h2,
.final-cta p {
  color: white;
}

.final-cta p:not(.eyebrow) {
  max-width: 720px;
  margin-top: 18px;
  color: rgba(255, 255, 255, 0.78);
}

.final-cta .eyebrow {
  color: var(--gold);
}

.final-cta .button.primary {
  background: white;
  color: var(--ink);
}

.final-cta .button.secondary {
  border-color: rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.08);
  color: white;
}

.contact-panel small {
  width: 100%;
  color: rgba(255, 255, 255, 0.58);
  font-size: 0.82rem;
}

@media (max-width: 860px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
    gap: 8px;
  }

  nav {
    justify-content: flex-start;
  }

  .hero,
  .split,
  .coverage-check,
  .carrier-note {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding-top: 36px;
  }

  .trust-strip,
  .steps {
    grid-template-columns: 1fr;
  }

  .steps article {
    min-height: auto;
  }

  .steps span {
    margin-bottom: 24px;
  }
}

@media (max-width: 560px) {
  :root {
    --anchor-offset: 122px;
  }

  .site-header {
    min-height: 102px;
    padding-top: 12px;
    padding-bottom: 9px;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
  }

  nav {
    gap: 4px;
  }

  nav a {
    min-height: 32px;
    padding: 6px;
  }

  .section-band {
    width: min(100% - 28px, 1180px);
    padding: 52px 0;
  }

  h1 {
    font-size: clamp(2.45rem, 11.8vw, 3.35rem);
    line-height: 1;
  }

  h2 {
    font-size: clamp(1.8rem, 9vw, 2.55rem);
  }

  .lead {
    line-height: 1.58;
  }

  .hero-visual {
    min-height: 352px;
  }

  .policy-card {
    padding: 18px;
  }

  .card-main {
    top: 10px;
    right: 0;
  }

  .card-side {
    top: 184px;
    max-width: 100%;
  }

  .trust-strip div {
    min-height: auto;
  }

  .coverage-check,
  .carrier-note {
    gap: 24px;
  }

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

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}