@font-face { font-family:"Roboto"; src:url("fonts/roboto-300.woff2") format("woff2"); font-style:normal; font-weight:300; font-display:swap; }
@font-face { font-family:"Roboto"; src:url("fonts/roboto-400.woff2") format("woff2"); font-style:normal; font-weight:400; font-display:swap; }
@font-face { font-family:"Roboto"; src:url("fonts/roboto-500.woff2") format("woff2"); font-style:normal; font-weight:500; font-display:swap; }
@font-face { font-family:"Roboto"; src:url("fonts/roboto-600.woff2") format("woff2"); font-style:normal; font-weight:600; font-display:swap; }
@font-face { font-family:"Roboto"; src:url("fonts/roboto-700.woff2") format("woff2"); font-style:normal; font-weight:700; font-display:swap; }
:root {
  --navy: #0b1d3a;
  --navy-2: #132b52;
  --blue: #2459c4;
  --teal: #0d8f92;
  --gold: #eeb34b;
  --ink: #17233a;
  --muted: #60708a;
  --line: #dce4ef;
  --soft: #f3f7fb;
  --white: #ffffff;
  --shadow: 0 20px 55px rgba(11,29,58,.12);
  --radius: 24px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: "Roboto", Arial, sans-serif; font-size: 16px; font-weight:400; line-height: 1.65; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.skip { position: absolute; left: -9999px; top: 0; }
.skip:focus { left: 1rem; top: 1rem; z-index: 1000; padding: .75rem 1rem; background: #fff; border-radius: 10px; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.eyebrow { margin: 0 0 .8rem; color: var(--teal); font-weight: 700; letter-spacing: .09em; text-transform: uppercase; font-size: .78rem; }
h1, h2, h3 { color: var(--navy); line-height: 1.12; margin: 0 0 1rem; }
h1 { font-size: clamp(2.55rem, 5.5vw, 5.15rem); font-weight:300; letter-spacing:-.028em; }
h2 { font-size: clamp(1.9rem, 3.2vw, 3rem); font-weight:400; letter-spacing:-.022em; }
h3 { font-size: 1.28rem; font-weight:500; letter-spacing:-.012em; }
p { margin: 0 0 1rem; }
.lede { color: var(--muted); font-size: clamp(1.08rem, 1.7vw, 1.3rem); max-width: 720px; }
.topbar { background: var(--navy); color: #dce8ff; font-size: .87rem; }
.topbar .container { min-height: 38px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.topbar nav { display: flex; gap: 1.2rem; }
.topbar a:hover { color: #fff; }
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.96); backdrop-filter: blur(16px); border-bottom: 1px solid rgba(220,228,239,.75); }
.site-header .container { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: inline-flex; align-items: center; gap: .72rem; flex: 0 0 auto; font-weight: 700; color: var(--navy); letter-spacing: -.02em; }
.brand-logo { width: 52px; height: 52px; flex: 0 0 52px; object-fit: cover; border-radius: 12px; box-shadow: 0 8px 22px rgba(20,43,91,.14); }
.brand-name { font-family: Georgia, "Times New Roman", serif; font-size: 1.08rem; line-height: 1; text-transform: uppercase; white-space: nowrap; }
.brand-name small { display: block; margin-top: .34rem; color: var(--muted); font-family: "Roboto", Arial, sans-serif; font-size: .54rem; font-weight: 700; letter-spacing: .105em; }
.desktop-nav { display: flex; align-items: center; gap: 1.35rem; font-size: .94rem; font-weight: 600; }
.desktop-nav a:hover, .desktop-nav a[aria-current="page"] { color: var(--blue); }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; min-height: 48px; padding: .78rem 1.2rem; border: 1px solid transparent; border-radius: 999px; font-weight: 700; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 12px 30px rgba(36,89,196,.25); }
.btn-primary:hover { background: #1949aa; }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-light { background: #fff; color: var(--navy); }
.btn-sm { min-height: 42px; padding: .6rem 1rem; }
.menu-toggle { display: none; border: 0; background: var(--soft); border-radius: 12px; padding: .65rem .75rem; color: var(--navy); font-weight: 700; }
.mobile-nav { display: none; border-top: 1px solid var(--line); padding: .6rem 20px 1rem; background: #fff; }
.mobile-nav.open { display: grid; }
.mobile-nav a { padding: .75rem 0; border-bottom: 1px solid var(--line); font-weight: 600; }
.hero { position: relative; overflow: hidden; padding: clamp(3.5rem,7vw,6.7rem) 0 4rem; background: linear-gradient(135deg,#f8fbff 0%,#eef5fb 57%,#e7f3f3 100%); }
.hero::before { content:""; position:absolute; width: 440px; height:440px; border-radius:50%; background:rgba(36,89,196,.08); left:-220px; top:-150px; }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.04fr .96fr; align-items: center; gap: clamp(2rem,5vw,5rem); }
.hero h1 span { color: var(--blue); }
.hero .lede { max-width: 620px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin: 1.6rem 0 1.35rem; }
.quick-choice { margin-top: 2rem; padding: 1rem; background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); }
.quick-choice p { margin: 0 0 .65rem; font-size: .87rem; font-weight: 600; color: var(--muted); }
.choice-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: .55rem; }
.choice { display:flex; align-items:center; justify-content:center; min-height:48px; padding:.7rem .4rem; border:1px solid var(--line); border-radius:12px; background:#fff; color:var(--navy); font-weight:600; font-size:.88rem; line-height:1.25; text-align:center; transition:background .2s ease, color .2s ease, border-color .2s ease; }
.choice:hover { color:#fff; background:var(--navy); border-color:var(--navy); }
.choice:focus-visible { outline:3px solid rgba(36,89,196,.3); outline-offset:2px; }
.hero-visual { position: relative; }
.hero-visual img { width:100%; aspect-ratio: 1.05/1; object-fit: cover; object-position: 64% center; border-radius: 38px 38px 110px 38px; box-shadow: var(--shadow); }
.hero-note { position: absolute; left: -1.5rem; bottom: 1.4rem; width: min(280px,75%); padding: 1rem 1.1rem; border-radius: 18px; background: rgba(255,255,255,.95); box-shadow: var(--shadow); font-size: .9rem; }
.hero-note strong { display:block; color:var(--navy); }
.trust-strip { padding: 1.25rem 0; background: var(--navy); color: #fff; }
.trust-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:1rem; }
.trust-item { display:flex; align-items:center; gap:.7rem; padding:.35rem 0; }
.trust-item b { flex:0 0 auto; font-size:1.45rem; line-height:1; color:#fff; font-weight:500; white-space:nowrap; }
.trust-item span { display:block; color:#c8d6ef; font-size:.84rem; line-height:1.25; }
section { padding: clamp(3.25rem,5vw,5rem) 0; }
.section-head { display:flex; justify-content:space-between; align-items:end; gap:2rem; margin-bottom:1.8rem; }
.section-head p { max-width:570px; color:var(--muted); }
.insurers { padding:clamp(3rem,4.5vw,4rem) 0; background:#f8fbff; border-bottom:1px solid var(--line); }
.insurers-head { align-items:center; }
.insurers-head h2 { max-width:700px; font-size:clamp(1.9rem,3vw,2.7rem); }
.logo-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:.85rem; }
.logo-card { min-height:112px; display:grid; place-items:center; padding:1.25rem; border:1px solid #e1e8f2; border-radius:18px; background:#fff; }
.logo-card img { width:auto; max-width:150px; height:auto; max-height:52px; object-fit:contain; }
.insurers-note { max-width:900px; margin:1.15rem auto 0; color:var(--muted); text-align:center; font-size:.82rem; }
.products { background:#fff; }
.card-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.15rem; }
.card { position:relative; min-height:240px; padding:1.5rem; border:1px solid var(--line); border-radius:var(--radius); background:#fff; transition:transform .2s ease, box-shadow .2s ease, border .2s ease; }
.card:hover { transform:translateY(-5px); box-shadow:var(--shadow); border-color:#b9cbe9; }
.card-icon { width:48px; height:48px; display:grid; place-items:center; margin-bottom:1rem; border-radius:15px; background:#eaf1ff; color:var(--blue); font-weight:700; font-size:1.03rem; }
.card p { color:var(--muted); }
.text-link { display:inline-flex; align-items:center; gap:.35rem; margin-top:.4rem; color:var(--blue); font-weight:600; }
.text-link::after { content:"→"; }
.card-featured { background:var(--navy); border-color:var(--navy); }
.card-featured h3, .card-featured .text-link { color:#fff; }
.card-featured p { color:#c9d7ec; }
.card-featured .card-icon { background:rgba(255,255,255,.12); color:var(--gold); }
.process { background:var(--soft); }
.steps { display:grid; grid-template-columns:repeat(3,1fr); gap:1.2rem; }
.step { padding:1.7rem; border-radius:var(--radius); background:#fff; }
.step b { display:grid; place-items:center; width:42px; height:42px; margin-bottom:1.2rem; border-radius:50%; background:var(--gold); color:var(--navy); }
.support-band { padding:0; background:var(--soft); }
.support-box { display:grid; grid-template-columns:1fr auto; gap:2rem; align-items:center; padding:2.5rem; color:#fff; background:linear-gradient(120deg,var(--navy),var(--navy-2)); border-radius:32px; }
.support-box h2 { color:#fff; font-size:clamp(1.8rem,3vw,2.6rem); }
.support-box p { color:#cbd8eb; margin:0; }
.about-grid { display:grid; grid-template-columns:.86fr 1.14fr; gap:4rem; align-items:center; }
.quote-card { padding:2.2rem; background:linear-gradient(145deg,#eaf2ff,#f3fbfb); border-radius:36px 36px 100px 36px; }
.quote-card blockquote { margin:0; color:var(--navy); font-family:Georgia,serif; font-size:clamp(1.45rem,2.6vw,2.2rem); line-height:1.35; }
.quote-card small { display:block; margin-top:1.4rem; color:var(--muted); }
.facts { display:grid; gap:.8rem; margin:1.5rem 0; padding:0; list-style:none; }
.facts li { display:flex; gap:.7rem; align-items:flex-start; }
.facts li::before { content:"✓"; flex:none; display:grid; place-items:center; width:24px; height:24px; border-radius:50%; background:#dff4ef; color:#08776e; font-weight:900; }
.content-hub { background:var(--soft); }
.article-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.2rem; }
.article { display:flex; flex-direction:column; min-height:285px; padding:1.5rem; background:#fff; border-radius:var(--radius); border:1px solid var(--line); }
.article .tag { align-self:flex-start; padding:.35rem .6rem; border-radius:999px; background:#e8f2ff; color:var(--blue); font-size:.75rem; font-weight:600; }
.article h3 { margin-top:1.2rem; }
.article p { color:var(--muted); }
.article .text-link { margin-top:auto; }
.faq-list { max-width:900px; margin:2rem auto 0; }
.faq-list details { border-top:1px solid var(--line); }
.faq-list details:last-child { border-bottom:1px solid var(--line); }
.faq-list summary { cursor:pointer; list-style:none; padding:1.3rem 2.5rem 1.3rem 0; color:var(--navy); font-weight:600; position:relative; }
.faq-list summary::after { content:"+"; position:absolute; right:.2rem; top:1rem; font-size:1.5rem; color:var(--blue); }
.faq-list details[open] summary::after { content:"−"; }
.faq-list details p { padding:0 2rem 1.2rem 0; color:var(--muted); }
.contact { background:linear-gradient(135deg,#edf5ff,#edf9f7); }
.contact-grid { display:grid; grid-template-columns:1.05fr .95fr; gap:2rem; align-items:stretch; }
.contact-panel { padding:2.2rem; background:#fff; border-radius:var(--radius); box-shadow:var(--shadow); }
.contact-options { display:grid; gap:.75rem; margin-top:1.4rem; }
.contact-option { display:flex; align-items:center; justify-content:space-between; gap:1rem; padding:1rem; border:1px solid var(--line); border-radius:16px; font-weight:600; }
.contact-option:hover { border-color:var(--blue); color:var(--blue); }
.quote-form { display:grid; gap:1rem; }
.quote-form p { color:var(--muted); }
.quote-form label { display:grid; gap:.35rem; color:var(--navy); font-weight:600; }
.quote-form input,.quote-form select,.quote-form textarea { width:100%; padding:.78rem .9rem; color:var(--ink); background:#fff; border:1px solid var(--line); border-radius:12px; }
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus { outline:3px solid rgba(36,89,196,.18); border-color:var(--blue); }
.quote-form .consent { grid-template-columns:auto 1fr; align-items:start; font-size:.86rem; font-weight:400; color:var(--muted); }
.quote-form .consent input { width:auto; margin-top:.28rem; }
.quote-form .btn { width:100%; }
.quote-form > small { color:var(--muted); line-height:1.45; }
.page-hero { padding:clamp(3.8rem,7vw,6.4rem) 0; background:linear-gradient(135deg,#f6f9fe,#eaf4f4); }
.page-hero .container { display:grid; grid-template-columns:1.2fr .8fr; gap:3rem; align-items:center; }
.breadcrumb { margin-bottom:1.2rem; color:var(--muted); font-size:.88rem; }
.breadcrumb a { color:var(--blue); }
.summary-box { padding:1.8rem; border-left:5px solid var(--gold); border-radius:0 20px 20px 0; background:#fff; box-shadow:var(--shadow); }
.summary-box strong { color:var(--navy); }
.service-content { display:grid; grid-template-columns:minmax(0,1fr) 330px; gap:3rem; align-items:start; }
.prose { max-width:780px; }
.prose h2 { margin-top:2.7rem; font-size:clamp(1.7rem,2.6vw,2.35rem); }
.prose h3 { margin-top:2rem; }
.prose p, .prose li { color:#42516a; }
.prose ul { padding-left:1.2rem; }
.sidebar { position:sticky; top:110px; padding:1.5rem; border-radius:24px; background:var(--navy); color:#fff; }
.sidebar h3 { color:#fff; }
.sidebar p { color:#cfdaeb; }
.sidebar .btn { width:100%; margin-top:.6rem; }
.comparison { width:100%; border-collapse:separate; border-spacing:0; margin:1.4rem 0; border:1px solid var(--line); border-radius:16px; overflow:hidden; }
.comparison th,.comparison td { padding:.85rem 1rem; border-bottom:1px solid var(--line); text-align:left; vertical-align:top; }
.comparison th { background:var(--soft); color:var(--navy); }
.comparison tr:last-child td { border-bottom:0; }
.article-page .prose { margin-inline:auto; }
.article-meta { display:flex; flex-wrap:wrap; gap:1rem; color:var(--muted); font-size:.88rem; margin:1.2rem 0 2rem; }
.key-answer { padding:1.5rem; margin:1.7rem 0; background:#edf7f5; border-radius:20px; color:#174d4e; }
.site-footer { padding:3.5rem 0 1.5rem; background:#07152c; color:#d7e1f0; }
.footer-grid { display:grid; grid-template-columns:1.3fr repeat(3,1fr); gap:2rem; }
.site-footer .brand { color:#fff; }
.site-footer .brand-logo { width:64px; height:64px; flex-basis:64px; border-radius:14px; box-shadow:none; }
.site-footer .brand-name small { color:#9fb0ca; }
.site-footer h3 { color:#fff; font-size:1rem; letter-spacing:0; }
.site-footer a { display:block; margin:.55rem 0; color:#c8d4e6; }
.site-footer a:hover { color:#fff; }
.site-footer p { color:#aebed3; font-size:.9rem; }
.legal { margin-top:2.5rem; padding-top:1.3rem; border-top:1px solid rgba(255,255,255,.12); color:#91a4bf; font-size:.78rem; }
.wa-float { position:fixed; right:18px; bottom:18px; z-index:80; display:grid; place-items:center; width:60px; height:60px; border-radius:50%; background:#18a957; color:#fff; box-shadow:0 14px 32px rgba(0,0,0,.24); font-weight:700; }
.wa-float svg { width:32px; height:32px; display:block; }
.wa-float:hover { transform:translateY(-3px); }
@media (min-width: 921px) and (max-height: 820px) {
  section { padding: 3.5rem 0; }
  .section-head { margin-bottom: 1.65rem; }
  .section-head h2 { font-size: clamp(2.15rem, 3vw, 2.8rem); }
  .insurers { padding: 2.8rem 0; }
  .logo-card { min-height: 96px; padding: 1rem; }
  .hero { padding: 2rem 0 2.2rem; }
  .hero-grid { gap: 3rem; }
  .hero h1 { font-size: clamp(3rem, 4.1vw, 3.55rem); }
  .hero .lede { font-size: 1.05rem; line-height: 1.5; }
  .hero-actions { margin: .9rem 0; }
  .quick-choice { margin-top: 1rem; padding: .8rem; }
  .choice { min-height: 44px; padding: .55rem .35rem; }
  .hero-visual img { height: 400px; aspect-ratio: auto; }
  .hero-note { left: -1rem; bottom: 1rem; width: min(250px,72%); padding: .8rem 1rem; }
  .card-grid { gap: .95rem; }
  .card { min-height: 230px; padding: 1.4rem; }
  .card-icon { width: 46px; height: 46px; margin-bottom: 1rem; border-radius: 14px; font-size: 1rem; }
  .card h3 { font-size: 1.18rem; }
  .steps { gap: 1rem; }
  .step { padding: 1.6rem; }
}
@media (max-width: 920px) {
  .desktop-nav { display:none; }
  .menu-toggle { display:block; }
  .hero-grid,.about-grid,.contact-grid,.page-hero .container,.service-content { grid-template-columns:minmax(0,1fr); }
  .contact-grid > * { min-width:0; }
  .hero-visual { max-width:680px; }
  .hero-visual img { aspect-ratio:16/10; }
  .hero-note { left:1rem; }
  .trust-grid { grid-template-columns:repeat(2,1fr); }
  .logo-grid { grid-template-columns:repeat(3,1fr); }
  .card-grid,.article-grid { grid-template-columns:repeat(2,1fr); }
  .sidebar { position:static; }
  .footer-grid { grid-template-columns:repeat(2,1fr); }
}
@media (max-width: 620px) {
  .container { width:min(100% - 28px,1160px); }
  .topbar .container { justify-content:center; min-height:34px; }
  .topbar span { display:none; }
  .site-header .container { min-height:68px; }
  .header-cta { display:none; }
  .brand-logo { width:46px; height:46px; flex-basis:46px; }
  .brand-name { font-size:.94rem; }
  .brand-name small { font-size:.48rem; letter-spacing:.085em; }
  .hero { padding-top:2.8rem; }
  .hero-grid { gap:2.2rem; }
  .hero h1 { font-size:2.55rem; }
  h1 { font-weight:400; letter-spacing:-.022em; }
  .choice-grid { grid-template-columns:repeat(2,1fr); }
  .hero-actions .btn { width:100%; }
  .hero-visual img { border-radius:28px 28px 70px 28px; }
  .hero-note { position:relative; left:auto; bottom:auto; width:calc(100% - 24px); margin:-2.3rem auto 0; }
  .trust-grid,.card-grid,.steps,.article-grid,.footer-grid { grid-template-columns:1fr; }
  .logo-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }
  .logo-card { min-width:0; min-height:96px; padding:1rem; }
  .logo-card img { max-width:100%; }
  .section-head { display:block; }
  .support-box { grid-template-columns:1fr; padding:1.6rem; }
  .contact-panel { padding:1.5rem; }
  .contact-option { min-width:0; flex-wrap:wrap; }
  .contact-option span,.contact-option small { min-width:0; overflow-wrap:anywhere; }
  .comparison { font-size:.88rem; }
  .comparison th,.comparison td { padding:.65rem; }
}
@media (prefers-reduced-motion: reduce) { html{scroll-behavior:auto} *{transition:none!important} }