:root {
  --brand: #1160e0;
  --brand-dark: #0b3d91;
  --brand-navy: #072a66;
  --brand-soft: #e8f0fe;
  --accent: #ff8f1f;
  --accent-dark: #e07a12;
  --bg: #ffffff;
  --bg-alt: #f4f7fc;
  --card: #ffffff;
  --border: #dbe4f0;
  --text: #1a2740;
  --muted: #5b6b85;
  --ok: #059669;
  --shadow: 0 1px 3px rgba(7,42,102,.08), 0 10px 30px rgba(7,42,102,.06);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, sans-serif;
  color: var(--text); background: var(--bg); line-height: 1.6;
}
a { color: var(--brand); text-decoration: none; }
img { max-width: 100%; }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 22px; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: none; border-radius: 10px; padding: 13px 26px; font-size: 15px; font-weight: 700;
  cursor: pointer; transition: background .12s, transform .12s; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-blue { background: var(--brand); color: #fff; }
.btn-blue:hover { background: var(--brand-dark); }
.btn-ghost { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.6); }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.btn-outline { background: #fff; color: var(--brand); border: 1.5px solid var(--brand); }
.btn-outline:hover { background: var(--brand-soft); }
.btn.lg { padding: 15px 32px; font-size: 16px; }

/* ---------- Header / nav ---------- */
.topbar { background: var(--brand-navy); color: #fff; font-size: 13px; }
.topbar .wrap { display: flex; justify-content: flex-end; gap: 22px; align-items: center; height: 38px; }
.topbar a { color: #fff; opacity: .9; }
.topbar a:hover { opacity: 1; }
.topbar b { color: #ffd28a; }

header.nav { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.9); backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid transparent; transition: box-shadow .2s, border-color .2s, height .2s; }
header.nav .wrap { display: flex; align-items: center; gap: 20px; height: 78px; transition: height .2s; }
header.nav.scrolled { box-shadow: 0 4px 20px rgba(7,42,102,.08); border-bottom-color: var(--border); }
header.nav.scrolled .wrap { height: 64px; }
.brand { display: flex; align-items: center; gap: 11px; }
.brand img { width: 42px; height: 42px; transition: transform .2s; }
header.nav.scrolled .brand img { width: 36px; height: 36px; }
.brand span { display: flex; flex-direction: column; line-height: 1.1; }
.brand .bn { font-weight: 800; font-style: italic; font-size: 22px; letter-spacing: -.02em; color: var(--brand-dark); }
.brand .bt { font-size: 9px; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: var(--muted); }

nav.menu { margin-left: auto; display: flex; align-items: center; gap: 2px; }
.mlink { background: none; border: none; font: inherit; cursor: pointer; display: inline-flex; align-items: center; gap: 5px;
  color: var(--text); font-weight: 600; font-size: 14.5px; padding: 10px 14px; border-radius: 9px; position: relative; }
.mlink:hover { color: var(--brand-dark); background: var(--brand-soft); }
.mlink.active { color: var(--brand-dark); }
.mlink.active::after { content: ''; position: absolute; left: 14px; right: 14px; bottom: 5px; height: 2px;
  background: var(--accent); border-radius: 2px; }
nav.menu .nav-cta { margin-left: 10px; box-shadow: 0 6px 18px rgba(255,143,31,.35); }

/* Service dropdown */
.dd { position: relative; }
.dd-menu { position: absolute; top: calc(100% + 6px); left: 0; min-width: 232px; background: #fff; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: var(--shadow); padding: 8px; opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .16s, transform .16s, visibility .16s; }
.dd:hover .dd-menu, .dd:focus-within .dd-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dd-menu a { display: block; padding: 9px 12px; border-radius: 9px; font-size: 14px; font-weight: 500; color: var(--text); }
.dd-menu a:hover { background: var(--brand-soft); color: var(--brand-dark); }

/* Coverage MEGA menu */
.mega { position: static; }
.mega-panel { position: absolute; top: 100%; left: 0; right: 0; margin: 0 auto; max-width: 1160px; padding: 0 22px;
  opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .18s, transform .18s, visibility .18s; }
.mega:hover .mega-panel, .mega:focus-within .mega-panel { opacity: 1; visibility: visible; transform: translateY(0); }
.mega-inner { background: #fff; border: 1px solid var(--border); border-radius: 18px; box-shadow: 0 18px 50px rgba(7,42,102,.16);
  padding: 22px; display: grid; grid-template-columns: repeat(4, 1fr) 250px; gap: 22px; margin-top: 6px; }
.mega-col h4 { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em; color: var(--brand);
  margin: 0 0 10px; }
.mega-col a { display: flex; align-items: center; gap: 9px; padding: 7px 8px; border-radius: 9px; font-size: 13.5px;
  font-weight: 500; color: var(--text); }
.mega-col a:hover { background: var(--brand-soft); color: var(--brand-dark); }
.mega-col a .mi { width: 26px; height: 26px; flex: none; border-radius: 7px; background: var(--brand-soft); display: grid; place-items: center; }
.mega-col a .mi svg { width: 18px; height: 18px; }
.mega-promo { background: linear-gradient(160deg, var(--brand-dark), var(--brand)); border-radius: 14px; padding: 20px; color: #fff; display: flex; flex-direction: column; }
.mega-promo h4 { color: #fff; font-size: 15px; margin: 0 0 6px; text-transform: none; letter-spacing: 0; }
.mega-promo p { font-size: 12.5px; opacity: .9; margin: 0 0 auto; }
.mega-promo .btn { margin-top: 14px; }

.hamburger { display: none; margin-left: auto; background: none; border: 1px solid var(--border); border-radius: 10px;
  width: 44px; height: 42px; cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 4px; }
.hamburger span { width: 20px; height: 2px; background: var(--brand-dark); border-radius: 2px; transition: .2s; }
.hamburger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.nav-scrim { position: fixed; inset: 0; background: rgba(7,42,102,.4); opacity: 0; visibility: hidden; z-index: 50;
  transition: opacity .2s, visibility .2s; }
.nav-scrim.show { opacity: 1; visibility: visible; }

/* Hero badge + scroll-reveal */
.hero-badge { display: inline-block; font-size: 12.5px; font-weight: 700; letter-spacing: .02em; color: #fff;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.3); border-radius: 999px; padding: 6px 14px; margin-bottom: 18px; }
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(155deg, var(--brand-navy) 0%, var(--brand-dark) 55%, var(--brand) 120%); color: #fff; }
.hero .wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 30px; align-items: center; padding: 60px 22px; }
.hero h1 { font-size: 42px; line-height: 1.1; margin: 0 0 16px; letter-spacing: -.02em; }
.hero p { font-size: 18px; opacity: .92; margin: 0 0 26px; max-width: 520px; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.hero .trust { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 26px; font-size: 13.5px; opacity: .9; }
.hero .trust span::before { content: '✓ '; color: #ffd28a; }
.hero-art { text-align: center; }
.hero-art img { filter: drop-shadow(0 14px 34px rgba(4,20,50,.4)); border-radius: 14px; }

/* ---------- Section scaffolding ---------- */
section { padding: 64px 0; }
section.alt { background: var(--bg-alt); }
.sec-head { text-align: center; max-width: 680px; margin: 0 auto 40px; }
.sec-head .eyebrow { font-size: 12.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand); }
.sec-head h2 { font-size: 32px; margin: 6px 0 10px; letter-spacing: -.02em; }
.sec-head p { font-size: 16.5px; color: var(--muted); margin: 0; }

/* ---------- Quick-quote grid ---------- */
.qq-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 18px; }
.qq { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 26px 20px; text-align: center;
  box-shadow: var(--shadow); transition: transform .12s, border-color .12s; display: block; color: var(--text); }
.qq:hover { transform: translateY(-4px); border-color: var(--brand); }
.qq .ic { margin: 0 auto 14px; display: grid; place-items: center; }
.qq .ic svg { width: 58px; height: 58px; }
.qq h3 { margin: 0 0 4px; font-size: 17px; }
.qq p { margin: 0 0 12px; font-size: 13px; color: var(--muted); }
.qq .go { font-size: 13px; font-weight: 700; color: var(--brand); }

/* ---------- Coverage catalog ---------- */
.cat-group { margin-bottom: 26px; }
.cat-group h3 { font-size: 13px; text-transform: uppercase; letter-spacing: .06em; color: var(--brand);
  margin: 0 0 12px; border-bottom: 1px solid var(--border); padding-bottom: 8px; }
.cat-links { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 8px 14px; }
.cat-links a { display: flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 500; color: var(--text);
  padding: 8px 10px; border-radius: 8px; }
.cat-links a::before { content: '›'; color: var(--accent); font-weight: 800; }
.cat-links a:hover { background: var(--brand-soft); color: var(--brand-dark); }

/* ---------- Why us / value props ---------- */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.why { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 26px 24px; box-shadow: var(--shadow); }
.why .ic { font-size: 30px; margin-bottom: 10px; }
.why h3 { margin: 0 0 8px; font-size: 18px; color: var(--brand-dark); }
.why p { margin: 0; font-size: 14.5px; color: var(--muted); }

/* ---------- Service center ---------- */
.svc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.svc { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 22px; box-shadow: var(--shadow);
  color: var(--text); display: block; transition: transform .12s, border-color .12s; }
.svc:hover { transform: translateY(-3px); border-color: var(--brand); }
.svc .ic { font-size: 26px; margin-bottom: 8px; }
.svc h3 { margin: 0 0 5px; font-size: 16px; }
.svc p { margin: 0; font-size: 13.5px; color: var(--muted); }

/* ---------- Insurance 101 ---------- */
.def-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; }
.def { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 22px; }
.def h3 { margin: 0 0 6px; font-size: 16px; color: var(--brand-dark); }
.def p { margin: 0; font-size: 14px; color: var(--muted); }

/* ---------- Contact ---------- */
.contact-wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 36px; align-items: start; }
.cform { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 26px; box-shadow: var(--shadow); }
.cform label { display: block; font-size: 13px; font-weight: 600; margin: 0 0 5px; }
.cform .field { margin-bottom: 14px; }
.cform input, .cform textarea { width: 100%; border: 1px solid var(--border); border-radius: 9px; padding: 11px 13px;
  font-size: 14.5px; font-family: inherit; }
.cform input:focus, .cform textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px var(--brand-soft); }
.cform .hp { position: absolute; left: -9999px; }
.cmsg { font-size: 13.5px; font-weight: 600; margin-top: 10px; }
.cmsg.ok { color: var(--ok); }
.cmsg.err { color: #dc2626; }
.cinfo .ci-row { display: flex; gap: 12px; padding: 14px 0; border-bottom: 1px solid var(--border); }
.cinfo .ci-row .ic { font-size: 22px; }
.cinfo .ci-row b { display: block; font-size: 15px; }
.cinfo .ci-row span { color: var(--muted); font-size: 14px; }

/* ---------- Carriers / service area ---------- */
.carriers { text-align: center; }
.carrier-logos { display: grid; grid-template-columns: repeat(auto-fill, minmax(168px, 1fr)); gap: 18px; max-width: 1060px; margin: 0 auto; }
.clogo { background: #fff; border: 1px solid var(--border); border-radius: 14px; height: 96px; display: grid; place-items: center;
  padding: 14px 20px; overflow: hidden; box-shadow: var(--shadow); transition: transform .12s, border-color .12s; }
.clogo:hover { transform: translateY(-3px); border-color: var(--brand); }
.clogo img { max-height: 58px; max-width: 100%; width: auto; object-fit: contain; display: block; }
.clogo .clogo-txt { font-weight: 800; font-size: 16px; color: var(--brand-dark); letter-spacing: -.01em; text-align: center; line-height: 1.15; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(155deg, var(--brand-dark), var(--brand)); color: #fff; text-align: center; }
.cta-band h2 { font-size: 30px; margin: 0 0 10px; }
.cta-band p { font-size: 17px; opacity: .92; margin: 0 0 22px; }

/* ---------- Footer ---------- */
footer.site { background: var(--brand-navy); color: #cdd9ef; padding: 50px 0 26px; font-size: 14px; }
footer.site .cols { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 30px; }
footer.site h4 { color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: .06em; margin: 0 0 12px; }
footer.site a { color: #cdd9ef; display: block; padding: 4px 0; }
footer.site a:hover { color: #fff; }
footer.site .fbrand { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; }
footer.site .fbrand img { width: 38px; height: 38px; }
footer.site .fbrand .bn { color: #fff; font-weight: 800; font-style: italic; font-size: 19px; }
footer.site .fnote { border-top: 1px solid rgba(255,255,255,.12); margin-top: 30px; padding-top: 18px;
  font-size: 12px; color: #9fb3d9; line-height: 1.6; }

@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-art { display: none; }
  .contact-wrap { grid-template-columns: 1fr; }
  footer.site .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  nav.menu { display: none; position: absolute; top: 70px; left: 0; right: 0; background: #fff; flex-direction: column;
    align-items: stretch; padding: 10px; border-bottom: 1px solid var(--border); box-shadow: var(--shadow); }
  nav.menu.open { display: flex; }
  nav.menu > a, nav.menu .dd > button { width: 100%; text-align: left; }
  .dd-menu { position: static; display: block; box-shadow: none; border: none; padding-left: 14px; }
  .hamburger { display: block; }
  .hero h1 { font-size: 32px; }
  footer.site .cols { grid-template-columns: 1fr; }
}