:root {
  --navy: #10243f;
  --ink: #172033;
  --muted: #647084;
  --line: #dce4ee;
  --paper: #f7fafc;
  --teal: #0f9f9a;
  --gold: #d8a63a;
  --shadow: 0 24px 70px rgba(16, 36, 63, 0.22);
}

html { scroll-behavior: smooth; }
body { color: var(--ink); background: var(--paper); }
a { text-decoration: none; }

.site-header {
  min-height: 98px;
  background: rgba(16, 36, 63, 0.86);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}

.navbar-brand { padding: 0; }

.brand-logo {
  width: min(470px, 68vw);
  max-height: 86px;
  object-fit: contain;
  padding: 0;
  border-radius: 8px;
  background: #fff;
}

.hero { position: relative; min-height: 760px; overflow: hidden; background: var(--navy); }
.hero-image, .hero-overlay { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-image { object-fit: cover; }
.hero-overlay {
  background:
    linear-gradient(90deg, rgba(11, 27, 49, 0.96) 0%, rgba(11, 27, 49, 0.78) 42%, rgba(11, 27, 49, 0.24) 78%),
    linear-gradient(0deg, rgba(11, 27, 49, 0.24), rgba(11, 27, 49, 0.24));
}
.hero-content { position: relative; z-index: 1; min-height: 760px; padding-top: 118px; padding-bottom: 64px; }
.eyebrow { margin: 0 0 14px; color: var(--gold); font-size: 13px; font-weight: 900; letter-spacing: 0; text-transform: uppercase; }
h1 { max-width: 720px; margin-bottom: 20px; font-size: clamp(42px, 6vw, 72px); line-height: 0.98; letter-spacing: 0; }
.hero-text { max-width: 590px; color: rgba(255,255,255,.84); font-size: 19px; line-height: 1.65; }
.trust-strip { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.trust-strip span, .callout-line {
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 8px;
  color: #fff;
  background: rgba(255,255,255,.08);
  font-weight: 800;
}
.trust-strip span { min-height: 38px; padding: 9px 14px; }
.callout-line { display: inline-flex; flex-wrap: wrap; gap: 10px; align-items: center; padding: 14px 18px; }
.callout-line a, .cta-band h2 a { color: var(--gold); }
.whatsapp-phone-icon { display: inline-grid; flex: 0 0 auto; place-items: center; width: 28px; height: 28px; color: #25d366; line-height: 1; }
.whatsapp-phone-icon svg { display: block; width: 100%; height: 100%; fill: currentColor; }
.whatsapp-contact-group { display: inline-flex; flex: 0 0 auto; gap: 10px; align-items: center; }
.whatsapp-phone-line { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.whatsapp-phone-line .whatsapp-phone-icon { width: .78em; height: .78em; }

.lead-form {
  padding: 28px;
  border: 1px solid rgba(255,255,255,.26);
  border-radius: 8px;
  color: var(--ink);
  background: rgba(255,255,255,.96);
  box-shadow: var(--shadow);
}
.form-kicker { color: var(--teal); font-size: 12px; font-weight: 900; text-transform: uppercase; }
.form-label { color: #33415a; font-weight: 800; }
.form-control, .form-select { min-height: 48px; border-color: var(--line); border-radius: 8px; }
.form-control:focus, .form-select:focus { border-color: var(--teal); box-shadow: 0 0 0 .25rem rgba(15,159,154,.2); }
.consent-check { padding: 12px 12px 12px 36px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.consent-check a { color: var(--teal); font-weight: 900; text-decoration: underline; }
.captcha-box { padding: 14px; border: 1px solid var(--line); border-radius: 8px; background: #f7fbfb; }
.captcha-row { display: grid; grid-template-columns: 160px minmax(110px, 1fr); gap: 12px; align-items: center; }
.captcha-image { width: 160px; height: 58px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.btn-teal { min-height: 48px; color: #fff; background: var(--teal); }
.btn-teal:hover, .btn-teal:focus { color: #fff; background: #0c8581; }
.quote-identity-panel { padding: 16px; border: 1px solid var(--line); border-radius: 8px; background: #f7fbfb; }
.quote-identity-panel .form-label { margin-bottom: 5px; font-size: 13px; }
.quote-identity-panel .form-control[readonly] { color: var(--navy); background: #eef5f7; font-weight: 800; }
.new-identity-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  max-width: 255px;
  padding: 9px 12px;
  border: 1px solid #176f6c;
  color: #fff;
  background: #197c78;
  font-weight: 500;
  line-height: 1.2;
  box-shadow: 0 3px 9px rgba(16,36,63,.14);
}
.new-identity-icon { flex: 0 0 auto; width: 21px; height: 21px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.new-identity-button:hover, .new-identity-button:focus {
  border-color: #0f5f5c;
  color: #fff;
  background: #146b67;
  box-shadow: 0 0 0 .2rem rgba(25,124,120,.18);
}

.identity-gate { position: fixed; inset: 0; z-index: 3000; display: none; place-items: center; padding: 20px; }
.identity-gate.is-open { display: grid; }
.identity-gate-backdrop { position: absolute; inset: 0; background: rgba(16,36,63,.48); -webkit-backdrop-filter: blur(9px); backdrop-filter: blur(9px); }
.identity-gate-dialog { position: relative; z-index: 1; width: min(100%, 510px); max-height: calc(100vh - 40px); overflow-y: auto; padding: 30px; border: 1px solid rgba(255,255,255,.75); border-radius: 10px; background: #fff; box-shadow: 0 28px 90px rgba(7,22,42,.42); }
.identity-gate-close { position: absolute; top: 10px; right: 12px; width: 38px; height: 38px; border: 0; border-radius: 50%; color: var(--navy); background: #eef3f7; font-size: 28px; line-height: 1; }
.identity-gate-close:hover, .identity-gate-close:focus { background: #dfe9ef; }
body.identity-gate-open { overflow: hidden; }

.section { padding: 84px 0; }
.section-heading { max-width: 760px; margin-bottom: 34px; }
.section h2, .cta-band h2 { margin-bottom: 0; font-size: clamp(30px, 4vw, 46px); line-height: 1.08; }
.product-card, .partner-logo, .info-panel, .contact-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 12px 30px rgba(16,36,63,.06);
}
.product-card { min-height: 100%; padding: 24px; }
.icon { display: inline-grid; place-items: center; width: 44px; height: 44px; margin-bottom: 22px; border-radius: 8px; color: #fff; background: var(--navy); font-weight: 900; }
.service-icon { display: block; width: 74px; height: 74px; margin-bottom: 20px; object-fit: contain; }
.product-card h3 { margin-bottom: 10px; font-size: 20px; }
.product-card p, .proof-item p { color: var(--muted); line-height: 1.6; }
.service-list { display: grid; gap: 8px; margin: 18px 0 0; padding-left: 18px; }
.service-list li::marker { color: var(--teal); }

.partners { padding-top: 20px; }
.partner-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.partner-logo { display: grid; place-items: center; min-height: 112px; padding: 16px; }
.partner-logo img { max-width: 92%; max-height: 72px; object-fit: contain; }

.proof { border-top: 1px solid var(--line); }
.proof-item { display: grid; grid-template-columns: 52px 1fr; gap: 18px; align-items: start; margin-bottom: 16px; padding: 20px; border-left: 4px solid var(--teal); border-radius: 8px; background: #fff; }
.proof-icon { display: block; width: 48px; height: 48px; object-fit: contain; }
.proof-item p { margin-bottom: 0; }
.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding: 42px; border-radius: 8px; color: #fff; background: linear-gradient(135deg, var(--navy), #153b5a 58%, #125f68); }
.site-footer { padding: 28px 0; color: rgba(255,255,255,.72); background: var(--navy); font-size: 14px; }
.footer-inner { display: grid; grid-template-columns: minmax(220px,.8fr) minmax(420px,1.6fr) auto; gap: 20px; align-items: center; }
.footer-copyright { margin: 0; }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; align-items: center; }
.footer-links a { color: #fff; text-decoration: none; }
.footer-links a:hover { text-decoration: underline; }
.social-links { display: flex; flex-wrap: wrap; gap: 8px; justify-content: flex-end; align-items: center; }
.social-link { display: inline-grid; flex: 0 0 36px; place-items: center; width: 36px !important; height: 36px !important; overflow: hidden; border: 1px solid rgba(255,255,255,.28); border-radius: 50%; color: #fff; background: rgba(255,255,255,.08); transition: transform .2s ease, border-color .2s ease, background-color .2s ease; }
.social-link:hover { transform: translateY(-2px); border-color: rgba(255,255,255,.8); background: var(--teal); }
.social-link:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.social-link svg { display: block; flex: none; width: 18px !important; height: 18px !important; max-width: 18px; max-height: 18px; fill: currentColor; stroke: currentColor; stroke-width: 1.7; }
.social-instagram svg { fill: none; }
.social-instagram .social-dot { fill: currentColor; stroke: none; }
.social-youtube svg { stroke: none; }
.social-youtube .social-play { fill: var(--navy); }

.subpage { padding-top: 76px; }
.subpage-hero { padding: 92px 0; color: #fff; background: linear-gradient(135deg, rgba(16,36,63,.96), rgba(18,95,104,.88)), var(--navy); }
.subpage-hero p:not(.eyebrow) { max-width: 820px; color: rgba(255,255,255,.82); font-size: 20px; line-height: 1.7; }
.info-panel, .contact-card { padding: 26px; }
.home-insurance-guide { display: grid; gap: 24px; }
.product-guide { display: grid; gap: 24px; }
.guide-section { padding: 28px; border: 1px solid var(--line); border-radius: 8px; background: #fff; box-shadow: 0 12px 30px rgba(16,36,63,.06); }
.guide-section h2 { margin-bottom: 22px; font-size: clamp(25px, 3vw, 34px); }
.guide-section h3 { font-size: 19px; }
.coverage-compare { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; }
.coverage-compare article { padding: 22px; border: 1px solid var(--line); border-top: 4px solid var(--teal); border-radius: 8px; background: #f8fbfc; }
.coverage-compare p, .resident-grid p, .guide-note { color: var(--muted); line-height: 1.65; }
.guide-intro { margin: -6px 0 22px; color: var(--muted); font-size: 17px; line-height: 1.7; }
.home-cover-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 14px; }
.home-cover-grid article { position: relative; padding: 22px; border: 1px solid var(--line); border-radius: 8px; background: #f8fbfc; }
.home-cover-grid h3 { margin-bottom: 10px; }
.home-cover-grid p { margin: 0; color: var(--muted); line-height: 1.6; }
.coverage-label { display: inline-block; margin-bottom: 10px; color: var(--teal); font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.resident-grid { display: grid; gap: 14px; }
.resident-grid article { display: grid; grid-template-columns: 42px 1fr; gap: 14px; padding: 20px; border-radius: 8px; background: #f8fbfc; }
.resident-grid article > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; color: #fff; background: var(--navy); font-size: 22px; }
.resident-grid p { margin: 0; }
.coverage-checklist { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.coverage-checklist li { position: relative; padding: 16px 16px 16px 46px; border-left: 3px solid var(--teal); border-radius: 6px; background: #f8fbfc; color: var(--muted); line-height: 1.6; }
.coverage-checklist li::before { content: '✓'; position: absolute; left: 17px; color: var(--teal); font-weight: 900; }
.document-list { display: flex; flex-wrap: wrap; gap: 10px; }
.document-list span { padding: 9px 12px; border: 1px solid #cce1e3; border-radius: 999px; color: var(--navy); background: #f0f8f8; font-size: 14px; font-weight: 700; }
.guide-note { margin: 18px 0 0; padding: 16px; border-radius: 6px; background: #fff8e7; }
.insurance-faq .accordion-item { border-color: var(--line); }
.insurance-faq .accordion-button { color: var(--navy); font-weight: 750; }
.insurance-faq .accordion-button:not(.collapsed) { color: var(--navy); background: #eef8f8; box-shadow: none; }
.insurance-faq .accordion-button:focus { border-color: var(--teal); box-shadow: 0 0 0 .2rem rgba(20,158,164,.16); }
.legal-card { max-width: 920px; padding: 30px; border: 1px solid var(--line); border-radius: 8px; background: #fff; line-height: 1.8; }
.legal-card p:last-child { margin-bottom: 0; }
.directory-card, .quote-side-card {
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 14px 38px rgba(16,36,63,.08);
}
.directory-card { padding: 28px; }
.directory-card-head { display: grid; grid-template-columns: 82px 1fr; gap: 18px; align-items: start; }
.directory-card-head .service-icon { width: 82px; height: 82px; margin: 0; }
.directory-card h2 a { color: var(--navy); }
.directory-card h2 a:hover { color: var(--teal); }
.directory-card p { color: var(--muted); line-height: 1.6; }
.subproduct-link-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 9px; }
.subproduct-link-grid a { display: flex; gap: 9px; align-items: flex-start; min-height: 46px; padding: 11px 12px; border: 1px solid var(--line); border-radius: 7px; color: var(--navy); background: #f8fafc; font-size: 14px; font-weight: 800; line-height: 1.35; }
.subproduct-link-grid a span { color: var(--teal); font-size: 18px; line-height: 1; }
.subproduct-link-grid a:hover, .subproduct-link-grid a:focus { border-color: var(--teal); color: #fff; background: var(--teal); transform: translateY(-1px); }
.subproduct-link-grid a:hover span, .subproduct-link-grid a:focus span { color: #fff; }
.large-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.related-products { border-top: 1px solid var(--line); background: #eef4f7; }
.compact-hero { padding-bottom: 72px; }
.breadcrumb-nav { display: flex; flex-wrap: wrap; gap: 9px; color: rgba(255,255,255,.66); font-size: 14px; font-weight: 800; }
.breadcrumb-nav a { color: #fff; }
.breadcrumb-nav a:hover { color: var(--gold); }
.subproduct-content h2 { margin-bottom: 18px; font-size: clamp(27px, 3vw, 38px); }
.subproduct-content p { color: var(--muted); line-height: 1.75; }
.coverage-tile { display: grid; grid-template-columns: 32px 1fr; gap: 10px; align-items: center; min-height: 72px; padding: 15px; border: 1px solid var(--line); border-radius: 8px; background: #f8fafc; }
.coverage-tile span { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; color: #fff; background: var(--teal); font-weight: 900; }
.quote-side-card { position: sticky; top: 116px; padding: 25px; }
.quote-side-card p { color: var(--muted); line-height: 1.65; }

.admin-login { background: linear-gradient(135deg, rgba(16,36,63,.92), rgba(18,95,104,.9)), var(--paper); }
.admin-card, .admin-table, .metric { border: 1px solid var(--line); border-radius: 8px; background: #fff; box-shadow: 0 18px 60px rgba(16,36,63,.12); }
.admin-card { width: min(100%, 420px); padding: 30px; }
.admin-logo { width: 100%; max-width: 320px; height: auto; }
.admin-nav { background: var(--navy); }
.admin-table { padding: 24px; }
.metric { padding: 20px; }
.metric span { display: block; color: var(--muted); font-weight: 800; }
.metric strong { display: block; margin-top: 8px; color: var(--navy); font-size: 34px; line-height: 1; }
.about-intro-section { background: #fff; }
.about-lead { color: var(--navy); font-size: 21px; line-height: 1.7; }
.about-intro-section p:not(.eyebrow), .about-promise-card p, .about-values-grid p, .about-process-grid p { color: var(--muted); line-height: 1.7; }
.about-promise-card { padding: 32px; border: 1px solid var(--line); border-top: 5px solid var(--teal); border-radius: 8px; background: #f8fbfc; box-shadow: 0 18px 50px rgba(16,36,63,.09); }
.about-promise-card h3 { margin-bottom: 20px; font-size: 27px; }
.about-promise-card ul { display: grid; gap: 12px; margin: 0 0 24px; padding: 0; list-style: none; }
.about-promise-card li { position: relative; padding-left: 28px; color: var(--navy); font-weight: 700; }
.about-promise-card li::before { content: '✓'; position: absolute; left: 0; color: var(--teal); }
.about-values-section, .about-solutions-section { background: #f3f7f9; }
.about-values-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 18px; }
.about-values-grid article { padding: 26px; border: 1px solid var(--line); border-radius: 8px; background: #fff; box-shadow: 0 12px 30px rgba(16,36,63,.05); }
.about-value-icon { display: grid; place-items: center; width: 46px; height: 46px; margin-bottom: 20px; border-radius: 50%; color: #fff; background: var(--teal); font-size: 21px; font-weight: 900; }
.about-values-grid h3 { font-size: 21px; }
.about-process-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 0; counter-reset: process; }
.about-process-grid article { position: relative; padding: 28px; border-top: 3px solid var(--teal); background: #fff; }
.about-process-grid article + article { border-left: 1px solid var(--line); }
.about-process-grid article > span { display: inline-block; margin-bottom: 18px; color: var(--teal); font-size: 12px; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.about-process-grid h3 { font-size: 21px; }
.about-solutions-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; }
.about-solutions-grid a { display: grid; gap: 5px; padding: 20px; border: 1px solid var(--line); border-radius: 8px; color: var(--navy); background: #fff; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease; }
.about-solutions-grid a:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(16,36,63,.09); }
.about-solutions-grid span { color: var(--muted); font-size: 14px; }
.about-final-section { padding-top: 0; }
.about-cta p:not(.eyebrow) { max-width: 720px; margin: 16px 0 0; color: rgba(255,255,255,.78); }
.about-cta-actions { display: flex; flex-wrap: wrap; gap: 10px; flex: 0 0 auto; }
.seo-row { padding: 18px 0; border-top: 1px solid var(--line); }

@media (max-width: 991.98px) {
  .site-header { position: absolute; }
  .hero, .hero-content { min-height: auto; }
  .hero-overlay { background: linear-gradient(180deg, rgba(11,27,49,.92), rgba(11,27,49,.78)); }
  .cta-band { display: grid; }
  .partner-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .large-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-inner { grid-template-columns: 1fr auto; }
  .footer-links { grid-column: 1 / -1; grid-row: 2; justify-content: flex-start; }
  .about-values-grid, .about-process-grid { grid-template-columns: repeat(2,minmax(0,1fr)); gap: 16px; }
  .about-process-grid article + article { border-left: 0; }
  .quote-side-card { position: static; }
}

@media (max-width: 575.98px) {
  .site-header { min-height: 82px; }
  .brand-logo { width: min(300px, 70vw); max-height: 66px; }
  h1 { font-size: 40px; }
  .hero-text { font-size: 16px; }
  .lead-form { padding: 20px; }
  .captcha-row { grid-template-columns: 1fr; }
  .identity-gate-dialog { padding: 24px 20px; }
  .quote-identity-panel .d-flex { align-items: flex-start !important; flex-direction: column; }
  .new-identity-button { max-width: 100%; }
  .directory-card { padding: 21px; }
  .directory-card-head { grid-template-columns: 1fr; }
  .subproduct-link-grid, .large-grid { grid-template-columns: 1fr; }
  .section { padding: 58px 0; }
  .partner-grid { grid-template-columns: 1fr; }
  .proof-item { grid-template-columns: 1fr; }
  .coverage-compare { grid-template-columns: 1fr; }
  .home-cover-grid { grid-template-columns: 1fr; }
  .guide-section { padding: 22px; }
  .footer-inner { grid-template-columns: 1fr; text-align: center; }
  .footer-links, .social-links { justify-content: center; }
  .footer-links { grid-column: auto; grid-row: auto; }
  .about-values-grid, .about-process-grid, .about-solutions-grid { grid-template-columns: 1fr; }
  .about-promise-card { padding: 24px; }
  .about-cta-actions { display: grid; width: 100%; }
  .cta-band { padding: 28px; }
  .whatsapp-phone-line { gap: 10px; font-size: 28px !important; }
}