:root{
  --bg:#0b1220;
  --surface:#0f1b33;
  --card:#0f203e;
  --text:#0b1220;
  --muted:#56657a;
  --line:rgba(15, 32, 62, .14);
  --white:#ffffff;
  --ink:#0b1220;
  --navy:#0c1f3f;
  --navy2:#0a1730;
  --accent:#c79a45;
  --accent2:#2c7be5;
  --radius:18px;
  --shadow:0 18px 60px rgba(10, 23, 48, .18);
  --shadow2:0 10px 30px rgba(10, 23, 48, .12);
  --max:1120px;
  --pad:24px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color: var(--ink);
  background: #f7f9fc;
  line-height:1.55;
}
img{max-width:100%;display:block}
a{color:inherit}

.container{max-width:var(--max);margin:0 auto;padding:0 var(--pad)}

/* Header */
.site-header{
  position:sticky;top:0;z-index:50;
  background: rgba(247,249,252,.9);
  backdrop-filter: blur(10px);
  border-bottom:1px solid rgba(15,32,62,.08);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--navy),#173a73);display:grid;place-items:center;box-shadow:var(--shadow2)}
.brand-mark svg{width:22px;height:22px;fill:var(--white)}
.brand-name{font-weight:800;letter-spacing:.2px}
.brand-sub{font-size:12px;color:var(--muted);margin-top:-2px}

.nav-toggle{display:none;border:1px solid rgba(15,32,62,.12);background:var(--white);border-radius:12px;padding:10px 12px}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--navy);margin:4px 0;border-radius:2px}

.nav{display:flex;align-items:center;gap:16px}
.nav a{color:var(--navy);text-decoration:none;font-weight:650;font-size:14px;padding:10px 10px;border-radius:12px}
.nav a:hover{background:rgba(44,123,229,.08)}
.nav .cta{background:linear-gradient(135deg,var(--accent),#e6c37c);color:var(--navy2);padding:10px 14px;box-shadow:0 10px 22px rgba(199,154,69,.25)}
.nav .cta:hover{filter:saturate(1.05);background:linear-gradient(135deg,var(--accent),#e6c37c)}

/* Hero */
.hero{
  position:relative;
  border-bottom:1px solid rgba(15,32,62,.08);
  background: radial-gradient(1200px 500px at 20% 10%, rgba(44,123,229,.18), transparent 60%),
              radial-gradient(900px 420px at 80% 0%, rgba(199,154,69,.18), transparent 55%),
              #f7f9fc;
}
.hero-wrap{padding:34px 0 26px;display:grid;grid-template-columns: 1.1fr .9fr;gap:26px;align-items:stretch}
.hero-card{
  border-radius: var(--radius);
  overflow:hidden;
  min-height: 360px;
  position:relative;
  box-shadow: var(--shadow);
}
.hero-card::before{
  content:"";
  position:absolute;inset:0;
  background: linear-gradient(90deg, rgba(10,23,48,.78), rgba(10,23,48,.20) 55%, rgba(10,23,48,.05));
  z-index:1;
}
.hero-card img{width:100%;height:100%;object-fit:cover}
.hero-content{
  position:absolute;inset:0;
  padding:26px;
  z-index:2;
  display:flex;flex-direction:column;justify-content:flex-end;gap:12px;
  color:var(--white);
}
.hero-content h1{margin:0;font-size:38px;line-height:1.12;letter-spacing:-.6px}
.hero-content p{margin:0;color:rgba(255,255,255,.88);max-width:52ch}
.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:14px;padding:12px 14px;font-weight:750;text-decoration:none;border:1px solid transparent}
.btn-primary{background:linear-gradient(135deg,var(--accent),#e6c37c);color:var(--navy2)}
.btn-secondary{background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.22);color:var(--white)}
.btn-primary:hover{filter:saturate(1.05)}
.btn-secondary:hover{background:rgba(255,255,255,.14)}

.hero-side{
  border-radius: var(--radius);
  background: var(--white);
  border:1px solid rgba(15,32,62,.10);
  box-shadow: var(--shadow2);
  padding:22px;
  display:flex;flex-direction:column;justify-content:space-between;
}
.hero-side h2{margin:0 0 10px;font-size:18px;color:var(--navy)}
.hero-side p{margin:0 0 14px;color:var(--muted)}
.trust{display:grid;grid-template-columns:1fr;gap:10px;margin-top:10px}
.trust-item{display:flex;gap:10px;align-items:flex-start}
.badge{
  width:28px;height:28px;border-radius:10px;
  background:rgba(44,123,229,.10);
  display:grid;place-items:center;
  border:1px solid rgba(44,123,229,.18)
}
.badge svg{width:16px;height:16px;fill:var(--accent2)}
.trust-item b{display:block;color:var(--navy)}
.trust-item span{display:block;color:var(--muted);font-size:13px;margin-top:2px}

/* Sections */
.section{padding:42px 0}
.section h2{margin:0 0 8px;font-size:28px;letter-spacing:-.3px;color:var(--navy)}
.section .lead{margin:0 0 18px;color:var(--muted);max-width:72ch}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.card{background:var(--white);border:1px solid rgba(15,32,62,.10);border-radius:var(--radius);box-shadow:var(--shadow2);padding:18px}
.card h3{margin:0 0 8px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.step{display:flex;gap:12px;align-items:flex-start}
.step .num{width:36px;height:36px;border-radius:14px;background:rgba(199,154,69,.14);border:1px solid rgba(199,154,69,.25);display:grid;place-items:center;font-weight:900;color:var(--navy)}

.split{
  display:grid;grid-template-columns:1.1fr .9fr;gap:18px;align-items:start;
}
.media{
  border-radius:var(--radius);
  overflow:hidden;
  border:1px solid rgba(15,32,62,.10);
  box-shadow:var(--shadow2);
  background:var(--white);
}
.media img{width:100%;height:100%;object-fit:cover;min-height:320px}

.callout{
  background: linear-gradient(135deg, rgba(44,123,229,.12), rgba(199,154,69,.10));
  border:1px solid rgba(15,32,62,.10);
  border-radius: var(--radius);
  padding:18px;
  display:flex;align-items:center;justify-content:space-between;gap:14px;
}
.callout p{margin:0;color:var(--navy);font-weight:650}

/* Page hero */
.page-hero{padding:32px 0 12px}
.page-hero h1{margin:0;color:var(--navy);font-size:34px;letter-spacing:-.5px}
.page-hero p{margin:8px 0 0;color:var(--muted);max-width:80ch}

/* Form */
.form-card{padding:18px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:12px}
label{font-weight:700;color:var(--navy);font-size:13px}
input,textarea,select{
  width:100%;
  border:1px solid rgba(15,32,62,.16);
  border-radius:14px;
  padding:12px 12px;
  font:inherit;
  background:var(--white);
}
textarea{min-height:120px;resize:vertical}
.help{font-size:12px;color:var(--muted)}

.consent-box{
  border:1px solid rgba(15,32,62,.12);
  border-radius: var(--radius);
  background: rgba(10,23,48,.04);
  padding:14px;
  margin-top:10px;
}
.consent-box h3{margin:0 0 10px;font-size:14px;color:var(--navy);letter-spacing:.2px;text-transform:uppercase}
.check{display:flex;gap:10px;align-items:flex-start;margin:10px 0}
.check input{width:18px;height:18px;margin-top:2px}
.check p{margin:0;color:var(--navy);font-size:13px;line-height:1.45}

.policy-links{margin-top:8px;font-size:13px;color:var(--navy)}
.policy-links a{font-weight:900;text-decoration:underline;color:var(--accent2)}
.policy-links a:hover{filter:saturate(1.1)}

/* Make policy links clearly identifiable as clickable (carrier-friendly) */
.legal-link,.policy-link{font-weight:900;text-decoration:underline;color:var(--accent2)}
.legal-link:hover,.policy-link:hover{filter:saturate(1.1)}

.note{background:var(--white);border:1px solid rgba(15,32,62,.10);border-radius:var(--radius);box-shadow:var(--shadow2);padding:16px}
.note b{color:var(--navy)}
.note p{margin:8px 0 0;color:var(--muted)}

/* Footer */
.site-footer{margin-top:40px;background:var(--navy2);color:rgba(255,255,255,.9)}
.footer-inner{padding:28px 0;display:grid;grid-template-columns:1.2fr .8fr;gap:18px}
.footer-inner h3{margin:0 0 8px;color:var(--white)}
.footer-inner p{margin:0;color:rgba(255,255,255,.78)}
.footer-meta{margin-top:10px;display:grid;gap:6px;font-size:14px}
.footer-meta a{color:rgba(255,255,255,.92);text-decoration:none}
.footer-meta a:hover{text-decoration:underline}
.footer-links{display:grid;gap:10px;justify-items:start}
.footer-links a{color:rgba(255,255,255,.92);font-weight:900;text-decoration:underline}
.small{font-size:12px;color:rgba(255,255,255,.70);margin-top:10px}

/* Content page */
.prose{background:var(--white);border:1px solid rgba(15,32,62,.10);border-radius:var(--radius);box-shadow:var(--shadow2);padding:18px}
.prose h2{margin-top:0}
.prose h3{color:var(--navy)}
.prose p, .prose li{color:var(--muted)}
.prose ul{padding-left:18px}

/* Responsive */
@media (max-width: 980px){
  .hero-wrap{grid-template-columns:1fr;}
  .split{grid-template-columns:1fr;}
  .media img{min-height:240px}
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
}

@media (max-width: 860px){
  .nav-toggle{display:inline-block}
  .nav{position:absolute;left:0;right:0;top:66px;background:rgba(247,249,252,.98);border-bottom:1px solid rgba(15,32,62,.08);padding:12px var(--pad);display:none;flex-direction:column;align-items:flex-start}
  .nav.open{display:flex}
  .nav a{width:100%}
  .hero-content h1{font-size:32px}
}

@media (max-width: 560px){
  .hero-card{min-height:420px}
  .hero-content{padding:20px}
  .form-row{grid-template-columns:1fr}
  .header-inner{gap:10px}
  .brand-name{font-size:14px}
}