@import url('https://fonts.googleapis.com/css2?family=Figtree:ital,wght@0,400;0,500;0,600;0,700;0,800;0,900&display=swap');

:root {
  --primary: #002395;
  --primary-dark: #001570;
  --primary-light: #e8ecfa;
  --accent: #E85D04;
  --accent-dark: #c44d03;
  --secondary: #0093A7;
  --secondary-light: #e0f5f8;
  --success: #16A34A;
  --success-light: #dcfce7;
  --bg: #F5F0E8;
  --white: #FFFFFF;
  --ink: #111827;
  --ink-soft: #374151;
  --muted: #6B7280;
  --border: #E5E7EB;
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 4px rgba(0,0,0,.06);
  --shadow-md: 0 4px 20px rgba(0,0,0,.10);
  --shadow-lg: 0 12px 48px rgba(0,0,0,.14);
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
  font-family: 'Figtree', sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button, input { font-family: inherit; }

h1, h2, h3, h4 { line-height: 1.15; font-weight: 800; letter-spacing: -.02em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.5rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
h4 { font-size: 1.05rem; font-weight: 700; }
p { color: var(--ink-soft); }

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section { padding: 56px 0; }
.section--lg { padding: 80px 0; }
.section--bg { background: var(--bg); }

.badge {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: 5px 14px;
  border-radius: 50px;
}
.badge-primary { background: var(--primary-light); color: var(--primary); }
.badge-accent { background: #fde8ea; color: var(--accent); }
.badge-secondary { background: var(--secondary-light); color: var(--secondary); }
.badge-neutral { background: rgba(255,255,255,.2); color: var(--white); }

.section-intro { margin-bottom: 48px; }
.section-intro--center { text-align: center; }
.section-intro--center p {
  max-width: 560px;
  margin: 12px auto 0;
  font-size: 1.05rem;
}
.section-intro .badge { margin-bottom: 12px; }
.section-intro--left { text-align: left; max-width: 640px; }
.section-intro--left p { margin-top: 12px; font-size: 1.05rem; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  font-size: .95rem;
  border-radius: 50px;
  padding: 14px 28px;
  cursor: pointer;
  border: none;
  transition: transform .15s, box-shadow .2s, background .2s;
  text-decoration: none;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-accent { background: var(--accent); color: var(--white); }
.btn-accent:hover { background: var(--accent-dark); }
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.6); }
.btn-outline:hover { background: rgba(255,255,255,.1); }
.btn-ghost { background: transparent; color: var(--white); font-weight: 700; padding: 14px 0; }
.btn-ghost:hover { opacity: .85; transform: none; box-shadow: none; }
.btn-block { width: 100%; }
.btn-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,.2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  height: var(--header-h);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}
.logo-link { display: flex; align-items: center; gap: 10px; }
.logo-text { font-size: 1.1rem; font-weight: 800; letter-spacing: -.03em; color: var(--ink); }
.logo-text span { color: var(--accent); }
.site-nav { display: none; align-items: center; gap: 28px; }
.site-nav a { font-size: .9rem; font-weight: 600; color: var(--ink-soft); transition: color .2s; }
.site-nav a:hover { color: var(--primary); }
.nav-cta {
  background: var(--primary);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: 50px;
}
.nav-cta:hover { background: var(--primary-dark); }
.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  transition: all .3s;
}
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 12px 20px 20px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-weight: 600;
  font-size: 1rem;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  color: var(--ink-soft);
}
.mobile-nav a:last-child { border-bottom: none; color: var(--primary); }

.hero {
  position: relative;
  min-height: auto;
  padding: 32px 0 48px;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0,35,149,.55) 0%, rgba(0,35,149,.35) 50%, rgba(0,0,0,.25) 100%);
}
.hero-layout {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 32px;
  align-items: start;
}
.hero-form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  max-width: 420px;
}
.hero-form-card h2 {
  font-size: 1.35rem;
  margin-bottom: 16px;
  color: var(--ink);
}
.form-checks {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}
.form-check {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--ink-soft);
}
.form-check svg { flex-shrink: 0; color: var(--success); }
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: .8rem;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 6px;
}
.form-group input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  color: var(--ink);
  transition: border-color .2s;
}
.form-group input:focus {
  outline: none;
  border-color: var(--primary);
}
.form-group input.error { border-color: #dc2626; }
.form-error {
  font-size: .78rem;
  color: #dc2626;
  margin-top: 4px;
  display: none;
}
.form-error.visible { display: block; }
.form-note {
  text-align: center;
  font-size: .82rem;
  color: var(--muted);
  margin-top: 12px;
}
.form-note a { color: var(--primary); font-weight: 600; }
.form-success {
  display: none;
  text-align: center;
  padding: 24px 0;
}
.form-success.visible { display: block; }
.form-success svg { margin: 0 auto 12px; color: var(--success); }
.form-success h3 { margin-bottom: 8px; color: var(--ink); }
.form-success p { font-size: .9rem; }

.hero-copy { color: var(--white); padding-top: 8px; }
.hero-copy h1 { color: var(--white); margin-bottom: 16px; text-shadow: 0 2px 16px rgba(0,0,0,.25); }
.hero-copy .hero-sub {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: rgba(255,255,255,.9);
  max-width: 520px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  font-weight: 600;
  color: rgba(255,255,255,.9);
}
.trust-badge svg { flex-shrink: 0; opacity: .9; }

.urgency-bar {
  background: var(--primary-light);
  padding: 14px 0;
  text-align: center;
}
.urgency-bar p {
  font-size: .9rem;
  font-weight: 600;
  color: var(--primary);
  margin: 0;
}

.usps-quick {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
.usp-quick {
  text-align: center;
  padding: 8px 16px;
}
.usp-quick-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.usp-quick-icon--blue { background: var(--primary-light); color: var(--primary); }
.usp-quick-icon--teal { background: var(--secondary-light); color: var(--secondary); }
.usp-quick-icon--accent { background: #fde8ea; color: var(--accent); }
.usp-quick h3 { margin-bottom: 8px; color: var(--ink); }
.usp-quick p { font-size: .9rem; }

.steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  position: relative;
}
.step {
  text-align: center;
  padding: 0 12px;
}
.step-number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  color: var(--primary);
  font-size: 1.35rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.step--active .step-number {
  background: var(--primary);
  color: var(--white);
}
.step--highlight .step-number {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--white);
}
.step h4 { margin-bottom: 8px; color: var(--ink); }
.step p { font-size: .875rem; color: var(--muted); }

.split-card {
  display: grid;
  grid-template-columns: 1fr;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  margin-top: -20px;
}
.split-card-image { position: relative; min-height: 280px; }
.split-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
}
.split-card-content {
  background: var(--primary);
  color: var(--white);
  padding: 36px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.split-card-content .badge { margin-bottom: 16px; }
.split-card-content h2 { color: var(--white); margin-bottom: 16px; }
.split-card-content > p {
  color: rgba(255,255,255,.85);
  font-size: .95rem;
  margin-bottom: 20px;
  line-height: 1.7;
}
.split-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
}
.split-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .9rem;
  font-weight: 500;
  color: rgba(255,255,255,.9);
}
.split-list svg { flex-shrink: 0; margin-top: 2px; opacity: .7; }
.split-ctas { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

.insurance-layout {
  display: grid;
  gap: 40px;
  align-items: center;
}
.insurance-blocks {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.insurance-block {
  padding-left: 20px;
  border-left: 3px solid var(--secondary);
}
.insurance-block h3 { margin-bottom: 8px; color: var(--ink); }
.insurance-block p { font-size: .95rem; }
.insurance-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.insurance-image img { width: 100%; height: 320px; object-fit: cover; }

.info-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 48px;
}
.info-card {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}
.info-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.info-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,.75) 0%, rgba(0,0,0,.1) 60%);
}
.info-card-body {
  position: relative;
  z-index: 1;
  padding: 24px;
  color: var(--white);
}
.info-card-body .badge { margin-bottom: 12px; }
.info-card-body h3 { color: var(--white); margin-bottom: 8px; }
.info-card-body p {
  color: rgba(255,255,255,.8);
  font-size: .88rem;
  margin-bottom: 12px;
}
.info-card-link {
  font-size: .88rem;
  font-weight: 700;
  color: var(--white);
}

.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px 24px;
}
.stat-item { text-align: center; }
.stat-number {
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--muted);
  margin-bottom: 6px;
}
.stat-desc { font-size: .82rem; color: var(--muted); }

.reviews-layout {
  display: grid;
  gap: 24px;
}
.review-featured {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
}
.review-stars { display: flex; gap: 2px; margin-bottom: 16px; color: #F59E0B; }
.review-featured blockquote {
  font-size: 1.15rem;
  font-weight: 500;
  font-style: italic;
  color: var(--ink);
  line-height: 1.6;
  margin-bottom: 20px;
}
.review-author { display: flex; align-items: center; gap: 12px; }
.review-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 800;
  font-size: .85rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.review-author strong { display: block; font-size: .9rem; color: var(--ink); }
.review-author span { font-size: .82rem; color: var(--muted); }
.reviews-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
}
.review-card p {
  font-size: .92rem;
  font-style: italic;
  margin-bottom: 16px;
  color: var(--ink-soft);
}
.photo-pair {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 48px;
}
.photo-item { border-radius: var(--radius-md); overflow: hidden; }
.photo-item img { width: 100%; height: 220px; object-fit: cover; }
.photo-item figcaption {
  padding: 12px 0;
  font-size: .85rem;
  color: var(--muted);
  font-weight: 500;
}

.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--white);
}
.faq-item summary {
  padding: 18px 48px 18px 20px;
  font-weight: 700;
  font-size: .95rem;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '';
  position: absolute;
  right: 20px;
  top: 50%;
  width: 10px;
  height: 10px;
  border-right: 2px solid var(--muted);
  border-bottom: 2px solid var(--muted);
  transform: translateY(-70%) rotate(45deg);
  transition: transform .2s;
}
.faq-item[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq-item .faq-answer {
  padding: 0 20px 18px;
  font-size: .92rem;
  color: var(--ink-soft);
  line-height: 1.7;
}

.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 900;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 12px 20px;
  box-shadow: 0 -4px 20px rgba(0,0,0,.08);
  display: none;
  transform: translateY(100%);
  transition: transform .3s;
}
.sticky-cta.visible { display: block; transform: translateY(0); }
.sticky-cta-inner {
  display: flex;
  gap: 10px;
  max-width: 480px;
  margin: 0 auto;
}
.sticky-cta .btn { flex: 1; padding: 12px 16px; font-size: .88rem; }
.sticky-cta-phone {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background .2s;
}
.sticky-cta-phone:hover { background: var(--primary); color: var(--white); }

.sticky-cta-desktop {
  display: none;
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 900;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 20px;
  box-shadow: var(--shadow-lg);
  width: 280px;
  transform: translateY(120%);
  transition: transform .3s;
}
.sticky-cta-desktop.visible { transform: translateY(0); }
.sticky-cta-desktop h4 { font-size: .95rem; margin-bottom: 12px; color: var(--ink); }
.sticky-cta-desktop .form-group { margin-bottom: 10px; }
.sticky-cta-desktop .btn { padding: 10px 20px; font-size: .85rem; }
.sticky-cta-desktop-phone {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 10px;
  font-size: .85rem;
  font-weight: 700;
  color: var(--primary);
}
.sticky-cta-desktop-phone:hover { color: var(--primary-dark); }

.site-footer {
  background: var(--ink);
  color: rgba(255,255,255,.7);
  padding: 56px 0 100px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-bottom: 40px;
}
.footer-brand .logo-text { color: var(--white); }
.footer-brand p { margin-top: 12px; font-size: .88rem; line-height: 1.7; }
.footer-col h5 {
  color: var(--white);
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 12px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col a { font-size: .88rem; transition: color .2s; }
.footer-col a:hover { color: var(--white); }
.footer-form {
  background: rgba(255,255,255,.06);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  margin-bottom: 40px;
}
.footer-form h3 { color: var(--white); margin-bottom: 16px; font-size: 1.2rem; }
.footer-form .form-group label { color: rgba(255,255,255,.6); }
.footer-form .form-group input {
  background: rgba(255,255,255,.08);
  border-color: rgba(255,255,255,.15);
  color: var(--white);
}
.footer-form .form-group input::placeholder { color: rgba(255,255,255,.4); }
.footer-form .form-success.visible h3 { color: var(--white); }
.footer-form .form-success.visible p { color: rgba(255,255,255,.8); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 20px;
  font-size: .78rem;
  text-align: center;
}

@media (min-width: 640px) {
  .usps-quick { grid-template-columns: repeat(3, 1fr); }
  .info-cards { grid-template-columns: repeat(3, 1fr); }
  .photo-pair { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
}

@media (min-width: 768px) {
  .site-nav { display: flex; }
  .hamburger { display: none; }
  .hero {
    padding: 72px 0 80px;
    display: flex;
    align-items: center;
  }
  .hero-layout {
    grid-template-columns: 420px 1fr;
    gap: 48px;
    align-items: center;
    width: 100%;
  }
  .hero-form-card { margin-left: -8px; }
  .hero-copy { padding-top: 0; padding-right: 20px; }
  .steps-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
  }
  .steps-grid::before {
    content: '';
    position: absolute;
    top: 32px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: var(--border);
    z-index: 0;
  }
  .step { position: relative; z-index: 1; }
  .split-card {
    grid-template-columns: 52% 48%;
    margin-top: -40px;
    margin-left: -24px;
    margin-right: 24px;
  }
  .split-card-image { min-height: 400px; }
  .insurance-layout { grid-template-columns: 1fr 1fr; }
  .reviews-layout { grid-template-columns: 1.2fr 1fr; align-items: start; }
  .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 2fr 1fr 1fr; }
  .sticky-cta { display: none !important; }
  .sticky-cta-desktop { display: block; }
  .site-footer { padding-bottom: 32px; }
}

@media (min-width: 1024px) {
  .container { padding: 0 24px; }
  .section { padding: 80px 0; }
  .hero-form-card { padding: 32px 28px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}