:root {
  --navy: #0f2747;
  --navy-deep: #07162b;
  --orange: #ff7a33;
  --tint: #eef3fb;
  --line: #d5deec;
  --muted: #3d4f6b;
  --on-navy-muted: #c9d6ea;
  --white: #ffffff;
  --display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body: Inter, system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--body);
  color: var(--navy);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; }

a { color: var(--navy); }
a:hover { color: var(--navy-deep); }

:focus-visible {
  outline: 3px solid var(--orange);
  outline-offset: 3px;
}

.wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding-left: 24px;
  padding-right: 24px;
}

h1, h2, h3 { font-family: var(--display); margin: 0; }
p { margin: 0; }

.eyebrow {
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}

.h2 {
  font-weight: 800;
  font-size: clamp(30px, 4vw, 44px);
  line-height: 1.08;
  letter-spacing: -0.02em;
}

.source { font-size: 13px; color: var(--muted); }

.rule {
  display: block;
  width: 56px;
  height: 6px;
  border-radius: 3px;
  background: var(--orange);
}

/* Buttons */
.btn {
  display: inline-block;
  font-family: var(--body);
  font-weight: 600;
  font-size: 17px;
  padding: 16px 28px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  text-decoration: none;
  cursor: pointer;
  text-align: center;
}
.btn-primary { background: var(--orange); color: var(--navy); }
.btn-primary:hover { background: #ff8c4f; color: var(--navy); }
.btn-ghost { color: var(--white); border-color: var(--white); }
.btn-ghost:hover { background: var(--white); color: var(--navy); }
.btn-dark { background: var(--navy); color: var(--white); }
.btn-dark:hover { background: var(--navy-deep); color: var(--white); }
.btn-small { font-size: 15px; padding: 12px 20px; }

/* Header and hero */
.top { background: var(--navy); color: var(--white); }

.site-header {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 20px;
  padding-bottom: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: inherit;
  font-family: var(--display);
  font-weight: 800;
  font-size: 23px;
  letter-spacing: -0.01em;
}
.brand:hover { color: inherit; }
.brand svg { width: 46px; height: 46px; flex: none; }

.nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 28px;
  font-size: 15px;
  font-weight: 500;
}
.nav a:not(.btn) { color: var(--white); text-decoration: none; padding: 12px 0; }
.nav a:not(.btn):hover { text-decoration: underline; }

.hero {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 56px;
  padding-top: 56px;
  padding-bottom: 88px;
}
.hero-copy {
  flex: 1 1 500px;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.hero .eyebrow { color: var(--orange); }
.hero h1 {
  font-weight: 800;
  font-size: clamp(38px, 5.6vw, 66px);
  line-height: 1.02;
  letter-spacing: -0.025em;
}
.hero .lede { font-size: 19px; color: var(--on-navy-muted); max-width: 560px; }
.hero .fine { font-size: 14px; color: var(--on-navy-muted); }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 6px; }

.hero-card-wrap { flex: 1 1 340px; min-width: 0; display: flex; justify-content: center; }
.hero-card {
  width: 100%;
  max-width: 420px;
  background: var(--white);
  color: var(--navy);
  border-radius: 28px;
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.big-number {
  font-family: var(--display);
  font-weight: 800;
  font-size: 104px;
  line-height: 0.95;
  letter-spacing: -0.04em;
  display: block;
  margin-bottom: 6px;
}
.big-number + .rule { width: 88px; height: 8px; border-radius: 4px; }
.hero-card .lead { font-size: 18px; font-weight: 600; }
.mini-stats { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.mini-stat {
  background: var(--tint);
  border-radius: 16px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.mini-stat strong { font-family: var(--display); font-weight: 800; font-size: 30px; }
.mini-stat span { font-size: 14px; color: var(--muted); }

/* Stat strip */
.strip { background: var(--tint); }
.strip-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 32px;
  padding-top: 56px;
  padding-bottom: 56px;
}
.stat { display: flex; flex-direction: column; gap: 8px; }
.stat strong {
  font-family: var(--display);
  font-weight: 800;
  font-size: 60px;
  line-height: 1;
  letter-spacing: -0.03em;
}
.stat p { font-size: 17px; color: var(--muted); }
.stat .source { font-size: 13px; }

/* Sections */
.section { padding-top: 88px; padding-bottom: 88px; display: flex; flex-direction: column; gap: 40px; }
.section-head { display: flex; flex-direction: column; gap: 12px; max-width: 720px; }
.section-head > p:last-child { font-size: 18px; color: var(--muted); }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: 24px; }
.card {
  background: var(--tint);
  border-radius: 24px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.card h3 { font-weight: 700; font-size: 23px; line-height: 1.2; }
.card p { color: var(--muted); }
.card svg { width: 44px; height: 44px; }
.card-dark { background: var(--navy); color: var(--white); }
.card-dark p { color: var(--on-navy-muted); }
.card-dark .figure {
  font-family: var(--display);
  font-weight: 800;
  font-size: 44px;
  line-height: 1;
  color: var(--orange);
}
.card-dark .source { color: var(--on-navy-muted); }

/* One agent */
.agent { background: var(--navy); color: var(--white); }
.agent-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 56px;
  padding-top: 88px;
  padding-bottom: 88px;
}
.agent-copy { flex: 1 1 440px; min-width: 0; display: flex; flex-direction: column; gap: 18px; }
.agent .eyebrow { color: var(--orange); }
.agent-copy > p.lede { font-size: 18px; color: var(--on-navy-muted); }
.checks { list-style: none; margin: 8px 0 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.checks li { display: flex; align-items: flex-start; gap: 14px; font-size: 17px; }
.checks svg { width: 26px; height: 26px; flex: none; margin-top: 2px; }
.checks span span { color: var(--on-navy-muted); }

.flow-wrap { flex: 1 1 360px; min-width: 0; display: flex; justify-content: center; }
.flow {
  width: 100%;
  max-width: 440px;
  background: var(--white);
  color: var(--navy);
  border-radius: 28px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.flow-start { background: var(--tint); border-radius: 16px; padding: 14px 22px; font-weight: 600; font-size: 17px; }
.flow-agent {
  background: var(--orange);
  border-radius: 16px;
  padding: 16px 26px;
  font-family: var(--display);
  font-weight: 800;
  font-size: 21px;
}
.flow-carriers { width: 100%; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.flow-carriers div {
  border: 1.5px solid var(--navy);
  border-radius: 12px;
  padding: 12px;
  text-align: center;
  font-weight: 500;
}
.flow p { font-size: 14px; color: var(--muted); text-align: center; }

/* How it works */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 32px; }
.step { display: flex; flex-direction: column; gap: 12px; }
.step .num { font-family: var(--display); font-weight: 800; font-size: 64px; line-height: 1; }
.step h3 { font-weight: 700; font-size: 22px; }
.step p { color: var(--muted); }

/* Quote form */
.quote { background: var(--orange); color: var(--navy); }
.quote-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  justify-content: space-between;
  gap: 40px;
  padding-top: 72px;
  padding-bottom: 72px;
}
.quote-copy { flex: 1 1 400px; min-width: 0; display: flex; flex-direction: column; gap: 14px; padding-top: 12px; }
.quote-copy h2 {
  font-weight: 800;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.05;
  letter-spacing: -0.02em;
}
.quote-copy p { font-size: 18px; max-width: 560px; }

.form-card {
  flex: 1 1 420px;
  min-width: 0;
  max-width: 540px;
  background: var(--white);
  border-radius: 28px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.form-card h3 { font-weight: 800; font-size: 24px; }
.fields { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; font-size: 14px; font-weight: 600; }
.field input,
.field select {
  font: inherit;
  font-weight: 400;
  font-size: 16px;
  padding: 12px 14px;
  border: 1.5px solid #5b6b85;
  border-radius: 12px;
  color: var(--navy);
  background: var(--white);
  min-width: 0;
  width: 100%;
  min-height: 48px;
}
.field input[aria-invalid="true"] { border-color: #b3261e; }
.consent { display: flex; align-items: flex-start; gap: 12px; font-size: 13px; color: var(--muted); line-height: 1.5; }
.consent input { width: 22px; height: 22px; flex: none; margin: 2px 0 0; accent-color: var(--navy); }
.form-card .btn { width: 100%; font-size: 18px; border: none; }
.form-card .btn[disabled] { opacity: 0.6; cursor: progress; }
.form-note { font-size: 13px; color: var(--muted); }
.form-error {
  font-size: 15px;
  color: #8c1d18;
  background: #fdecea;
  border-radius: 12px;
  padding: 12px 14px;
}
.form-done { display: flex; flex-direction: column; gap: 12px; }
.form-done h3 { font-size: 28px; }
.form-done p { color: var(--muted); font-size: 17px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
[hidden] { display: none !important; }

/* About and sources */
.about {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 48px;
  padding-top: 64px;
  padding-bottom: 40px;
}
.about > div { display: flex; flex-direction: column; gap: 12px; }
.about h2 { font-weight: 700; font-size: 24px; }
.about p { color: var(--muted); }
.about ul { margin: 0; padding-left: 18px; font-size: 14px; color: var(--muted); display: flex; flex-direction: column; gap: 4px; }

/* Footer */
.site-footer {
  border-top: 1px solid var(--line);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 24px;
  padding-top: 32px;
  padding-bottom: 48px;
  font-size: 14px;
  color: var(--muted);
}
.site-footer .who { display: flex; flex-direction: column; gap: 6px; }
.site-footer .who strong { font-family: var(--display); font-weight: 800; font-size: 18px; color: var(--navy); }
.site-footer nav { display: flex; flex-wrap: wrap; align-items: flex-start; gap: 4px 28px; font-weight: 500; }
.site-footer nav a { padding: 12px 0; }

/* Legal pages */
.legal-top { background: var(--navy); color: var(--white); }
.legal { max-width: 760px; padding-top: 56px; padding-bottom: 72px; }
.legal h1 { font-weight: 800; font-size: clamp(34px, 5vw, 48px); letter-spacing: -0.02em; line-height: 1.05; }
.legal .effective { margin-top: 12px; font-weight: 600; }
.legal h2 { font-weight: 700; font-size: 23px; margin-top: 40px; margin-bottom: 12px; }
.legal p { margin-bottom: 14px; color: #24364f; }
.legal ul { margin: 0 0 14px; padding-left: 22px; color: #24364f; }
.legal li { margin-bottom: 6px; }
.legal address { font-style: normal; color: #24364f; }

@media (max-width: 640px) {
  .hero { padding-top: 32px; padding-bottom: 56px; gap: 36px; }
  .section, .agent-inner { padding-top: 56px; padding-bottom: 56px; }
  .quote-inner { padding-top: 48px; padding-bottom: 48px; }
  .hero-card, .form-card, .flow, .card { padding: 24px; border-radius: 22px; }
  .big-number { font-size: 84px; }
  .nav { gap: 4px 20px; }
  .actions .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}