:root {
  --navy-950: #061a42;
  --navy-900: #071f50;
  --navy-800: #0b3475;
  --navy-700: #104994;
  --red: #ed1738;
  --red-dark: #c80c2b;
  --ice: #eef4fb;
  --paper: #f7f9fc;
  --white: #ffffff;
  --ink: #0a1c3b;
  --muted: #5b687e;
  --line: #dce3ed;
  --shadow: 0 24px 70px rgba(1, 20, 56, .16);
  --radius: 22px;
  --font: "Google Sans Flex", "Google Sans", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; overflow-x: hidden; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: var(--font);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button { color: inherit; }
.shell { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.section { padding: 120px 0; }
.skip-link {
  position: fixed; z-index: 1000; top: 10px; left: 10px; padding: 10px 15px;
  background: var(--white); color: var(--navy-900); transform: translateY(-150%);
}
.skip-link:focus { transform: none; }
.page-loader {
  position: fixed; z-index: 9999; inset: 0; display: grid; place-content: center; justify-items: center;
  color: #fff; background: var(--navy-950);
}
.page-loader__mark {
  width: 76px; height: 76px; display: grid; place-items: center; color: #fff;
  font-family: Georgia, serif; font-size: 72px; font-style: italic; line-height: 1;
}
.page-loader__line { width: 180px; height: 2px; margin: 26px 0 15px; overflow: hidden; background: rgba(255,255,255,.13); }
.page-loader__line span { display: block; width: 100%; height: 100%; background: var(--red); transform: scaleX(0); transform-origin: left; }
.page-loader p { margin: 0; color: #8fa3c5; font-size: 8px; font-weight: 750; letter-spacing: .23em; }
.scroll-progress { position: fixed; z-index: 100; top: 0; left: 0; width: 100%; height: 3px; pointer-events: none; }
.scroll-progress span { display: block; width: 100%; height: 100%; background: var(--red); transform: scaleX(0); transform-origin: left; }

.topbar { height: 36px; background: var(--navy-950); color: #c9d7ee; font-size: 11px; letter-spacing: .04em; }
.topbar__inner { height: 100%; display: flex; align-items: center; justify-content: space-between; }
.topbar p { margin: 0; display: flex; align-items: center; gap: 8px; }
.status-dot { width: 6px; height: 6px; background: #55d89c; border-radius: 50%; box-shadow: 0 0 0 4px rgba(85,216,156,.12); }
.topbar__links { display: flex; align-items: center; gap: 25px; }
.topbar__links a { color: var(--white); font-weight: 650; }

.site-header {
  position: absolute; z-index: 30; top: 36px; left: 0; width: 100%;
  color: var(--white); border-bottom: 1px solid rgba(255,255,255,.15);
}
.site-header.is-sticky {
  position: fixed; top: 0; background: rgba(6, 26, 66, .96);
  backdrop-filter: blur(14px); box-shadow: 0 12px 30px rgba(0,0,0,.12);
  animation: drop-in .25s ease both;
}
.nav-wrap { height: 86px; display: flex; align-items: center; gap: 36px; }
.brand { width: 218px; height: 64px; display: flex; align-items: center; overflow: hidden; }
.brand img { width: 218px; height: auto; filter: brightness(0) invert(1); opacity: .96; }
.desktop-nav { display: flex; align-items: center; justify-content: center; gap: 33px; margin-left: auto; }
.desktop-nav a {
  position: relative; padding: 34px 0; font-size: 14px; font-weight: 550; color: #e8eef9;
}
.desktop-nav a::after {
  content: ""; position: absolute; bottom: 24px; left: 0; width: 100%; height: 2px;
  background: var(--red); transform: scaleX(0); transform-origin: right; transition: transform .25s ease;
}
.desktop-nav a:hover::after, .desktop-nav a:focus-visible::after { transform: scaleX(1); transform-origin: left; }
.menu-button { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.menu-button span { width: 24px; height: 2px; background: #fff; display: block; margin: 5px 0; transition: transform .25s ease, opacity .2s ease; }
.menu-button[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-button[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-button[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-menu { background: var(--navy-950); padding: 20px 24px 28px; border-top: 1px solid rgba(255,255,255,.12); }
.mobile-menu a { display: block; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.1); font-weight: 600; }
.mobile-menu[hidden] { display: none !important; }
.mobile-actions { display: none; }

.button {
  min-height: 54px; padding: 0 24px; display: inline-flex; align-items: center; justify-content: center; gap: 24px;
  border: 1px solid transparent; border-radius: 7px; font-weight: 700; font-size: 14px; cursor: pointer;
  transition: transform .2s ease, background .2s ease, box-shadow .2s ease, color .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button span { font-size: 18px; line-height: 1; }
.button--small { min-height: 45px; padding: 0 18px; gap: 16px; }
.button--light { background: var(--white); color: var(--navy-900); }
.button--light:hover { background: var(--red); color: var(--white); box-shadow: 0 10px 24px rgba(237,23,56,.26); }
.button--primary { background: var(--red); color: var(--white); box-shadow: 0 12px 30px rgba(237,23,56,.28); }
.button--primary:hover { background: var(--red-dark); box-shadow: 0 16px 35px rgba(237,23,56,.35); }
.button--navy { background: var(--navy-900); color: var(--white); }
.button--navy:hover { background: var(--navy-700); }
.button--outline-light { color: #fff; border-color: rgba(255,255,255,.38); }
.button--outline-light:hover { background: #fff; color: var(--navy-900); }
.button--full { width: 100%; }

.hero { min-height: 895px; position: relative; overflow: hidden; color: var(--white); background: var(--navy-950); isolation: isolate; }
.hero__giant-word {
  position: absolute; z-index: 0; left: -1.4vw; bottom: -1.1vw; white-space: nowrap;
  color: rgba(255,255,255,.027); font-size: 16.8vw; font-weight: 750; line-height: .7; letter-spacing: -.07em;
  transform: scaleX(1.04); transform-origin: left bottom; pointer-events: none;
}
.hero__photo {
  position: absolute; inset: 0 0 0 48%;
  background: url("https://images.unsplash.com/photo-1609220136736-443140cffec6?auto=format&fit=crop&w=1800&q=88") center 38%/cover no-repeat;
  transform: scale(1.08);
}
.hero__shade {
  position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(4,24,65,1) 0%, rgba(4,24,65,.97) 36%, rgba(4,24,65,.55) 62%, rgba(4,24,65,.2) 100%),
    linear-gradient(0deg, rgba(4,24,65,.65) 0%, transparent 45%);
}
.hero::before {
  content: ""; position: absolute; z-index: 1; top: 0; left: 0; width: 69%; height: 100%;
  background: linear-gradient(115deg, rgba(7,31,80,.98), rgba(8,45,104,.9));
  clip-path: polygon(0 0, 76% 0, 100% 100%, 0 100%);
}
.hero__pulse {
  position: absolute; z-index: 3; inset: 0; width: 100%; height: 100%; overflow: visible; pointer-events: none;
}
.hero__pulse path { fill: none; stroke-width: 2.5; vector-effect: non-scaling-stroke; }
.hero__pulse-ghost { stroke: rgba(255,255,255,.13); }
.hero__pulse-live { stroke: var(--red); filter: drop-shadow(0 0 9px rgba(237,23,56,.6)); }
.hero__pulse-dot { fill: #fff; filter: drop-shadow(0 0 12px var(--red)); }
.hero__pulse-dot::after {
  content: "";
}
.hero__content {
  position: relative; z-index: 4; min-height: 895px; padding-top: 190px;
  display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(340px, .62fr); align-items: center; gap: 55px;
}
.hero__copy { padding-bottom: 65px; }
.eyebrow {
  margin: 0 0 18px; display: flex; align-items: center; gap: 11px;
  text-transform: uppercase; font-size: 11px; font-weight: 750; letter-spacing: .16em; color: var(--navy-700);
}
.eyebrow > span { display: inline-block; width: 28px; height: 2px; background: var(--red); }
.eyebrow--light { color: #c7d6ef; }
h1, h2, h3, p { text-wrap: pretty; }
h1 { margin: 0; max-width: 760px; font-size: clamp(54px, 5.1vw, 78px); line-height: .98; letter-spacing: -.052em; font-weight: 660; }
h1 em, h2 em { color: var(--red); font-style: normal; }
.hero-title { max-width: 810px; font-size: clamp(48px, 4.65vw, 71px); line-height: .89; letter-spacing: -.06em; }
.hero-title__line { display: block; overflow: hidden; padding: 0 .08em .1em 0; margin-bottom: -.08em; }
.hero-title__line > span { display: block; transform-origin: left bottom; }
.hero-title__line--accent { color: var(--red); font-style: italic; font-weight: 690; }
.hero__intro { max-width: 610px; margin: 27px 0 31px; color: #dbe5f5; font-size: 18px; line-height: 1.65; }
.hero__actions { display: flex; align-items: center; gap: 30px; }
.text-link { display: flex; align-items: center; gap: 12px; font-size: 15px; font-weight: 700; }
.text-link small { display: block; color: #9fb1d0; font-size: 10px; text-transform: uppercase; letter-spacing: .08em; font-weight: 550; margin-bottom: 4px; }
.icon-circle { width: 40px; height: 40px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.3); border-radius: 50%; color: var(--red); }
.trust-list { list-style: none; padding: 0; margin: 34px 0 0; display: flex; flex-wrap: wrap; gap: 21px; color: #c8d4e8; font-size: 12px; }
.trust-list li { display: flex; align-items: center; gap: 7px; }
.trust-list span { color: #fff; width: 17px; height: 17px; display: grid; place-items: center; background: rgba(255,255,255,.1); border-radius: 50%; font-size: 9px; }

.hero-card {
  position: relative; margin-top: 45px; padding: 30px 30px 24px; color: var(--ink);
  background: rgba(255,255,255,.9); backdrop-filter: blur(18px);
  border: 1px solid rgba(255,255,255,.65); border-radius: var(--radius); box-shadow: var(--shadow); align-self: center;
  transform: perspective(1000px) rotateY(-3deg);
}
.hero-card::before {
  content: "LIVE QUOTE"; position: absolute; top: -30px; right: 18px; padding: 8px 13px;
  color: #fff; background: var(--red); border-radius: 40px; font-size: 8px; font-weight: 800; letter-spacing: .14em;
  box-shadow: 0 10px 25px rgba(237,23,56,.3);
}
.card-kicker { margin: 0 0 6px; color: var(--red); text-transform: uppercase; font-size: 10px; font-weight: 750; letter-spacing: .14em; }
.hero-card h2 { margin: 0 0 22px; max-width: 300px; font-size: 26px; line-height: 1.1; letter-spacing: -.035em; }
.quick-options { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; margin-bottom: 16px; }
.quick-option {
  padding: 16px 10px; display: flex; align-items: center; gap: 10px; border: 1px solid var(--line); border-radius: 8px;
  background: var(--white); text-align: left; font-size: 13px; font-weight: 650; cursor: pointer; transition: .2s ease;
}
.quick-option:hover { border-color: var(--navy-700); transform: translateY(-1px); }
.quick-option.is-active { color: var(--navy-900); background: #eef4ff; border-color: var(--navy-700); box-shadow: inset 3px 0 var(--red); }
.option-icon { width: 27px; height: 27px; display: grid; place-items: center; color: var(--navy-700); background: var(--ice); border-radius: 6px; font-size: 18px; }
.privacy-note { margin: 15px 0 0; text-align: center; color: #758197; font-size: 10px; }
.privacy-note span { color: var(--navy-700); margin-right: 5px; }
.hero__scroll {
  position: absolute; z-index: 5; bottom: 0; left: 0; height: 62px; width: 205px; padding: 0 28px 0 44px;
  display: flex; align-items: center; justify-content: space-between; background: var(--white); color: var(--navy-900);
  text-transform: uppercase; letter-spacing: .12em; font-size: 9px; font-weight: 750;
}
.hero__scroll b { color: var(--red); font-size: 17px; }

.impact-marquee { position: relative; z-index: 8; height: 86px; display: flex; align-items: center; overflow: hidden; color: #fff; background: var(--red); transform: rotate(-1.1deg) scale(1.02); transform-origin: center; }
.impact-marquee__track { width: max-content; display: flex; align-items: center; gap: 34px; white-space: nowrap; will-change: transform; }
.impact-marquee span { font-size: 37px; font-weight: 750; letter-spacing: -.035em; }
.impact-marquee i { color: var(--navy-900); font-size: 17px; font-style: normal; }

.section-heading { display: grid; grid-template-columns: 1fr 380px; align-items: end; gap: 80px; margin-bottom: 55px; }
.section-heading h2, .process__heading h2, .why h2, .quote h2, .faq h2 {
  margin: 0; font-size: clamp(42px, 4.5vw, 64px); line-height: 1.04; letter-spacing: -.048em; font-weight: 650;
}
.section-heading > p { margin: 0 0 5px; color: var(--muted); font-size: 16px; line-height: 1.65; }
.coverage { position: relative; background: var(--paper); }
.coverage::before {
  content: "CHOOSE YOUR LANE"; position: absolute; top: 44px; right: -20px;
  color: rgba(7,31,80,.035); font-size: clamp(80px, 11vw, 170px); font-weight: 780; line-height: 1; letter-spacing: -.07em; white-space: nowrap;
}
.coverage-grid { display: grid; grid-template-columns: 1.45fr .78fr .78fr; grid-template-rows: 225px 225px; gap: 15px; }
.coverage-card { position: relative; overflow: hidden; border-radius: 14px; }
.coverage-card::after { content: ""; position: absolute; inset: 0; border: 1px solid rgba(255,255,255,.16); border-radius: inherit; pointer-events: none; }
.coverage-card__number { position: absolute; top: 20px; right: 21px; font-size: 10px; letter-spacing: .08em; opacity: .65; }
.coverage-card--feature { grid-row: 1 / 3; color: #fff; min-height: 465px; }
.coverage-card--feature img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s cubic-bezier(.2,.7,.2,1); }
.coverage-card--feature:hover img { transform: scale(1.045); }
.coverage-card__overlay { position: absolute; inset: 0; background: linear-gradient(0deg, rgba(4,21,54,.92), rgba(4,21,54,.02) 70%); }
.coverage-card__content { position: absolute; inset: 0; padding: 28px; display: flex; flex-direction: column; justify-content: space-between; }
.coverage-card__content p, .coverage-card > div p { margin: 0 0 10px; text-transform: uppercase; font-size: 9px; font-weight: 700; letter-spacing: .15em; opacity: .8; }
.coverage-card__content h3 { max-width: 380px; margin: 0 0 22px; font-size: 35px; line-height: 1.06; letter-spacing: -.04em; }
.coverage-card__content a { display: inline-flex; align-items: center; gap: 12px; padding-bottom: 5px; border-bottom: 1px solid rgba(255,255,255,.45); font-size: 12px; font-weight: 700; }
.coverage-card--home, .coverage-card--life, .coverage-card--business { padding: 26px; display: flex; flex-direction: column; justify-content: space-between; }
.coverage-card--home { background: var(--navy-900); color: #fff; }
.coverage-card--life { background: #dfe9f7; color: var(--navy-900); }
.coverage-card--business { grid-column: 2 / 4; color: #fff; background: linear-gradient(110deg, #e01835, #a90b26); }
.coverage-card--home .coverage-card__symbol, .coverage-card--life .coverage-card__symbol, .coverage-card--business .coverage-card__symbol { font-size: 43px; line-height: 1; }
.coverage-card--business .coverage-card__symbol { position: absolute; right: 50px; bottom: 24px; font-size: 88px; opacity: .13; }
.coverage-card > div h3 { max-width: 220px; margin: 0; font-size: 22px; line-height: 1.12; letter-spacing: -.03em; }
.coverage-card:not(.coverage-card--feature) > div a {
  position: absolute; right: 20px; bottom: 20px; width: 34px; height: 34px; display: grid; place-items: center;
  border: 1px solid currentColor; border-radius: 50%; font-weight: 700; transition: .2s ease;
}
.coverage-card:not(.coverage-card--feature) > div a:hover { transform: rotate(45deg); background: #fff; color: var(--navy-900); }
.more-coverage { margin-top: 25px; padding: 20px 0 0; border-top: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.more-coverage p { margin: 0; color: var(--muted); font-size: 12px; }
.more-coverage div { display: flex; gap: 25px; }
.more-coverage a { color: var(--navy-900); font-size: 12px; font-weight: 650; }
.more-coverage a span { color: var(--red); }

.coverage-showcase {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(330px, .75fr);
  min-height: 580px;
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
}
.coverage-visual {
  position: relative;
  min-height: 580px;
  margin: 0;
  overflow: hidden;
  background: var(--navy-950);
}
.coverage-visual__image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .8s cubic-bezier(.2,.7,.2,1);
}
.coverage-visual:hover .coverage-visual__image { transform: scale(1.025); }
.coverage-visual__shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, rgba(3,17,45,.94) 0%, rgba(3,17,45,.3) 55%, rgba(3,17,45,.06) 100%);
}
.coverage-visual__content {
  position: absolute;
  z-index: 2;
  left: 42px;
  right: 42px;
  bottom: 40px;
  color: #fff;
}
.coverage-visual__label {
  display: block;
  margin-bottom: 12px;
  color: #b8c9e3;
  font-size: 9px;
  font-weight: 750;
  letter-spacing: .15em;
  text-transform: uppercase;
}
.coverage-visual__title {
  max-width: 480px;
  margin: 0 0 13px;
  font-size: clamp(32px, 3.4vw, 48px);
  line-height: 1.02;
  letter-spacing: -.045em;
}
.coverage-visual__description {
  max-width: 470px;
  margin: 0 0 24px;
  color: #cbd6e7;
  font-size: 13px;
  line-height: 1.55;
}
.coverage-visual__link {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  padding-bottom: 6px;
  border-bottom: 1px solid rgba(255,255,255,.45);
  font-size: 12px;
  font-weight: 700;
}
.coverage-visual__link span { color: var(--red); font-size: 17px; }
.coverage-menu { display: flex; flex-direction: column; background: #fff; }
.coverage-menu__item {
  position: relative;
  flex: 1;
  min-height: 120px;
  padding: 27px 28px;
  display: grid;
  grid-template-columns: 42px 1fr 34px;
  align-items: center;
  gap: 16px;
  color: var(--navy-900);
  background: #fff;
  border: 0;
  border-bottom: 1px solid var(--line);
  text-align: left;
  cursor: pointer;
  transition: background .25s ease, padding-left .25s ease;
}
.coverage-menu__item:last-child { border-bottom: 0; }
.coverage-menu__item::before {
  content: "";
  position: absolute;
  left: 0;
  top: 18px;
  bottom: 18px;
  width: 3px;
  background: var(--red);
  transform: scaleY(0);
  transition: transform .25s ease;
}
.coverage-menu__item:hover { background: #f7f9fc; }
.coverage-menu__item.is-active { padding-left: 34px; background: var(--ice); }
.coverage-menu__item.is-active::before { transform: scaleY(1); }
.coverage-menu__icon {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: var(--navy-700);
  background: #f0f5fb;
  border-radius: 10px;
  font-size: 24px;
}
.coverage-menu__copy { min-width: 0; display: grid; gap: 6px; }
.coverage-menu__copy strong { font-size: 17px; letter-spacing: -.02em; }
.coverage-menu__copy small { color: var(--muted); font-size: 10px; line-height: 1.35; }
.coverage-menu__arrow {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border: 1px solid #bdc9d9;
  border-radius: 50%;
  font-size: 14px;
  transition: .2s ease;
}
.coverage-menu__item.is-active .coverage-menu__arrow { color: #fff; background: var(--red); border-color: var(--red); }

.why { position: relative; padding: 0; background: var(--navy-900); color: #fff; overflow: hidden; }
.why::after {
  content: "HUMAN"; position: absolute; right: -1vw; bottom: -3vw; color: rgba(255,255,255,.025);
  font-size: 18vw; font-weight: 750; line-height: .8; letter-spacing: -.07em; pointer-events: none;
}
.why__grid { min-height: 720px; display: grid; grid-template-columns: 1fr 1fr; gap: 90px; align-items: center; }
.why__visual { height: 720px; position: relative; }
.why__image {
  position: absolute; inset: 70px 0 0 -120px; border-radius: 0 140px 0 0;
  background: url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1300&q=85") center/cover no-repeat;
  filter: saturate(.85);
}
.why__image::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(5,26,66,.58), transparent 55%); border-radius: inherit; }
.why__badge {
  position: absolute; right: -22px; bottom: 70px; width: 165px; height: 165px; padding: 30px;
  display: flex; flex-direction: column; justify-content: center; background: var(--red); border-radius: 50%;
  box-shadow: 0 0 0 9px rgba(237,23,56,.18);
}
.why__badge strong { font-size: 27px; letter-spacing: .04em; }
.why__badge span { margin-top: 6px; font-size: 10px; line-height: 1.4; }
.why__line { position: absolute; top: 110px; right: -31px; width: 75px; height: 290px; border: 2px solid var(--red); border-left: 0; border-radius: 0 80px 80px 0; opacity: .65; }
.why__content { padding: 80px 0; }
.why__lead { margin: 25px 0 32px; color: #c9d7eb; font-size: 16px; line-height: 1.68; }
.benefit-list { margin-bottom: 34px; }
.benefit-list article { display: grid; grid-template-columns: 44px 1fr; gap: 16px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.14); }
.benefit-list article > span { color: var(--red); font-size: 10px; letter-spacing: .1em; padding-top: 5px; }
.benefit-list h3 { margin: 0 0 6px; font-size: 16px; }
.benefit-list p { margin: 0; color: #aebfda; font-size: 13px; line-height: 1.55; }

.process { background: #fff; }
.process__heading { text-align: center; margin-bottom: 70px; }
.process__heading .eyebrow { justify-content: center; }
.steps { position: relative; display: grid; grid-template-columns: repeat(3, 1fr); gap: 60px; }
.steps::before { content: ""; position: absolute; top: 29px; left: 16%; right: 16%; height: 1px; background: var(--line); }
.step { position: relative; text-align: center; }
.step__marker { position: relative; z-index: 2; width: 58px; height: 58px; display: grid; place-items: center; margin: 0 auto 28px; background: #fff; border: 1px solid var(--line); border-radius: 50%; }
.step__marker::after { content: ""; position: absolute; inset: 7px; border-radius: 50%; background: var(--navy-900); }
.step__marker span { position: relative; z-index: 1; color: #fff; font-size: 13px; font-weight: 700; }
.step:nth-child(2) .step__marker::after { background: var(--red); }
.step__label { margin: 0 0 9px; color: var(--red); font-size: 9px; font-weight: 750; text-transform: uppercase; letter-spacing: .15em; }
.step h3 { margin: 0 0 10px; font-size: 24px; letter-spacing: -.03em; }
.step > p:last-child { max-width: 285px; margin: 0 auto; color: var(--muted); font-size: 13px; line-height: 1.6; }

.quote { position: relative; overflow: hidden; color: #fff; background: linear-gradient(118deg, var(--navy-950), var(--navy-800)); }
.quote::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 14% 15%, rgba(37,98,183,.38), transparent 28%), linear-gradient(135deg, transparent 55%, rgba(255,255,255,.03));
}
.quote__path { position: absolute; right: -310px; bottom: -480px; width: 800px; height: 800px; border: 70px solid rgba(237,23,56,.8); border-radius: 50%; }
.quote__grid { position: relative; display: grid; grid-template-columns: 1fr 500px; gap: 95px; align-items: center; }
.quote__copy > p:not(.eyebrow) { max-width: 500px; color: #c6d4ea; font-size: 16px; line-height: 1.65; margin: 25px 0 37px; }
.contact-stack { display: grid; gap: 15px; }
.contact-stack > * { display: flex; align-items: center; gap: 14px; }
.contact-stack > * > span { width: 40px; height: 40px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.2); border-radius: 50%; color: var(--red); }
.contact-stack small { display: block; margin-bottom: 3px; color: #8ea5c9; text-transform: uppercase; letter-spacing: .1em; font-size: 8px; }
.contact-stack strong { font-size: 13px; line-height: 1.35; }
.quote-form { padding: 32px; color: var(--ink); background: #fff; border-radius: var(--radius); box-shadow: 0 30px 90px rgba(0,0,0,.24); }
.form-head { display: flex; justify-content: space-between; align-items: center; padding-bottom: 18px; margin-bottom: 20px; border-bottom: 1px solid var(--line); }
.form-head p { margin: 0; font-weight: 750; font-size: 18px; }
.form-head span { padding: 6px 9px; color: var(--navy-700); background: var(--ice); border-radius: 20px; font-size: 9px; font-weight: 700; }
.quote-form label { display: block; margin-bottom: 14px; }
.quote-form label > span:first-child { display: block; margin: 0 0 6px; color: #46536a; font-size: 10px; font-weight: 650; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quote-form input:not([type="checkbox"]), .quote-form select {
  width: 100%; height: 47px; padding: 0 13px; color: var(--ink); background: #f8fafc;
  border: 1px solid #dbe2eb; border-radius: 6px; outline: none; font-size: 13px; transition: .2s ease;
}
.quote-form input:focus, .quote-form select:focus { background: #fff; border-color: var(--navy-700); box-shadow: 0 0 0 3px rgba(16,73,148,.1); }
.quote-form input::placeholder { color: #99a3b2; }
.consent { display: grid !important; grid-template-columns: 17px 1fr; gap: 9px; align-items: start; margin: 3px 0 17px !important; }
.consent input { width: 15px; height: 15px; accent-color: var(--navy-700); }
.consent span { margin: 0 !important; color: #6e788a !important; line-height: 1.4; font-size: 9px !important; }
.form-note { margin: 11px auto 0; max-width: 360px; color: #8a94a5; text-align: center; font-size: 8px; line-height: 1.4; }
.form-error { margin: 12px 0 0; padding: 11px 13px; color: #8a1420; background: #fdeaec; border: 1px solid #f3c4ca; border-radius: 8px; font-size: 11px; line-height: 1.45; }
.form-error[hidden] { display: none; }
.quote-form.is-sending [type="submit"] { opacity: .6; cursor: progress; }

.faq { background: var(--paper); }
.faq__grid { display: grid; grid-template-columns: 380px 1fr; gap: 110px; align-items: start; }
.faq__heading > p:not(.eyebrow) { margin: 25px 0 7px; color: var(--muted); font-size: 13px; }
.faq__heading > a { color: var(--navy-700); font-size: 13px; font-weight: 700; }
.faq__heading > a span { color: var(--red); }
.accordion__item { border-top: 1px solid #cfd8e5; }
.accordion__item:last-child { border-bottom: 1px solid #cfd8e5; }
.accordion__item button { width: 100%; padding: 25px 0; display: flex; align-items: center; justify-content: space-between; gap: 30px; border: 0; background: transparent; text-align: left; cursor: pointer; font-size: 16px; font-weight: 700; }
.accordion__item button b { width: 28px; height: 28px; flex: 0 0 auto; display: grid; place-items: center; color: var(--navy-700); border: 1px solid #bec9d8; border-radius: 50%; }
.accordion__item.is-open button b { color: #fff; background: var(--red); border-color: var(--red); }
.accordion__panel { padding: 0 60px 23px 0; }
.accordion__panel p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.65; }

.footer { padding: 75px 0 24px; color: #d7e0ef; background: #041534; }
.footer__top { display: grid; grid-template-columns: 1fr 1.45fr; gap: 110px; padding-bottom: 55px; }
.footer__brand img { width: 260px; margin-bottom: 22px; filter: brightness(0) invert(1); opacity: .96; }
.footer__brand p { max-width: 330px; color: #8fa2c2; font-size: 13px; line-height: 1.6; }
.footer__nav { display: grid; grid-template-columns: repeat(3, 1fr); gap: 45px; }
.footer__nav div { display: grid; align-content: start; gap: 11px; }
.footer__nav strong { margin-bottom: 8px; color: #fff; font-size: 11px; text-transform: uppercase; letter-spacing: .14em; }
.footer__nav a { color: #9eb0ce; font-size: 12px; }
.footer__nav a:hover { color: #fff; }
.footer__bottom { padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); display: grid; grid-template-columns: 1fr 1.4fr auto; align-items: center; gap: 30px; color: #7489ac; font-size: 9px; line-height: 1.5; }
.footer__bottom p { margin: 0; }
.footer__bottom a { color: #fff; }
.floating-call {
  position: fixed; z-index: 25; right: 22px; bottom: 22px; height: 50px; padding: 0 18px 0 9px;
  display: flex; align-items: center; gap: 9px; color: #fff; background: var(--red); border-radius: 30px; box-shadow: 0 12px 30px rgba(237,23,56,.32);
  opacity: 0; pointer-events: none; transform: translateY(14px); transition: opacity .25s ease, transform .25s ease;
}
.floating-call.is-visible { opacity: 1; pointer-events: auto; transform: none; }
.floating-call span { width: 33px; height: 33px; display: grid; place-items: center; background: rgba(255,255,255,.16); border-radius: 50%; }
.floating-call b { font-size: 12px; }

/* Clean, modern direction */
.site-header {
  top: 0;
  background: linear-gradient(180deg, rgba(3,17,45,.58), rgba(3,17,45,.08));
}
.site-header.is-sticky { top: 0; }
.hero {
  min-height: 790px;
  background: var(--navy-950);
}
.hero::before { display: none; }
.hero__photo {
  inset: 0;
  background-position: center 38%;
  transform: scale(1.025);
  filter: saturate(.84) contrast(1.03);
}
.hero__shade {
  background:
    linear-gradient(90deg, rgba(4,20,54,.97) 0%, rgba(4,20,54,.91) 31%, rgba(4,20,54,.67) 49%, rgba(4,20,54,.17) 75%, rgba(4,20,54,.06) 100%),
    linear-gradient(0deg, rgba(4,20,54,.48) 0%, transparent 48%);
}
.hero-shield {
  position: absolute;
  z-index: 3;
  top: 15%;
  right: 8%;
  width: min(31vw, 430px);
  opacity: .52;
  pointer-events: none;
  filter: drop-shadow(0 0 24px rgba(237,23,56,.16));
  will-change: transform, opacity;
}
.hero-shield svg { width: 100%; overflow: visible; }
.hero-shield path, .hero-shield circle {
  fill: none;
  vector-effect: non-scaling-stroke;
}
.hero-shield__halo { stroke: rgba(255,255,255,.25); stroke-width: 1.2; }
.hero-shield__line { stroke: rgba(237,23,56,.86); stroke-width: 2; }
.hero-shield__mark { stroke: rgba(255,255,255,.84); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.hero-shield__core { stroke: rgba(255,255,255,.13); stroke-width: 1; stroke-dasharray: 4 9; }
.hero__content {
  min-height: 790px;
  padding-top: 128px;
  display: block;
}
.hero__copy {
  width: min(620px, 53%);
  padding: 120px 0 70px;
}
.hero .eyebrow {
  margin-bottom: 25px;
  color: #b8c8e0;
  letter-spacing: .13em;
}
.hero-title {
  max-width: 620px;
  font-size: clamp(64px, 5.8vw, 86px);
  line-height: .95;
  letter-spacing: -.062em;
}
.hero-title__line { padding-bottom: .11em; }
.hero-title__line--accent { color: inherit; font-style: normal; }
.hero__intro {
  max-width: 510px;
  margin: 27px 0 32px;
  color: #cbd6e7;
  font-size: 17px;
  line-height: 1.62;
}
.hero__actions { gap: 12px; }
.button--ghost {
  color: #fff;
  border-color: rgba(255,255,255,.34);
  background: transparent;
}
.button--ghost:hover { color: var(--navy-900); background: #fff; }
.hero__note {
  margin: 28px 0 0;
  color: #8196b7;
  font-size: 10px;
  font-weight: 650;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.quote-dock {
  position: relative;
  z-index: 9;
  background: #f8fafc;
  border-bottom: 1px solid var(--line);
  box-shadow: none;
}
.quote-dock__inner {
  padding: 76px 0 68px;
}
.quote-dock__heading {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: end;
  gap: 20px 80px;
  margin-bottom: 35px;
}
.quote-dock__heading .picker-step {
  grid-column: 1 / 3;
  margin: 0;
  color: var(--red);
  font-size: 9px;
  font-weight: 750;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.quote-dock__heading h2 {
  margin: 0;
  max-width: 620px;
  color: var(--navy-900);
  font-size: clamp(34px, 3.3vw, 48px);
  line-height: 1.04;
  letter-spacing: -.045em;
}
.quote-dock__heading > span {
  max-width: 330px;
  padding-bottom: 5px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.55;
}
.quote-dock .quick-options {
  display: flex;
  gap: 10px;
  margin: 0 0 14px;
}
.quote-dock .quick-option {
  position: relative;
  flex: 1;
  min-width: 0;
  min-height: 126px;
  padding: 22px;
  align-items: flex-start;
  justify-content: flex-start;
  gap: 15px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  transition: flex .35s ease, border-color .2s ease, background .2s ease, transform .2s ease;
}
.quote-dock .quick-option:hover {
  transform: translateY(-3px);
  border-color: #aebdd1;
}
.quote-dock .quick-option.is-active {
  flex: 1.15;
  color: #fff;
  background: var(--navy-900);
  border-color: var(--navy-900);
  box-shadow: none;
}
.quick-option__icon {
  width: 38px;
  height: 38px;
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  color: var(--navy-700);
  background: var(--ice);
  border-radius: 9px;
}
.quick-option__icon svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.quick-option.is-active .quick-option__icon { color: #fff; background: rgba(255,255,255,.12); }
.quick-option__copy { min-width: 0; display: block; padding-top: 1px; text-align: left; }
.quick-option__copy strong { display: block; margin-bottom: 7px; font-size: 15px; }
.quick-option__copy small { display: block; color: var(--muted); font-size: 10px; line-height: 1.4; }
.quick-option.is-active .quick-option__copy small { color: #aebfda; }
.quick-option__check {
  position: absolute;
  right: 14px;
  top: 14px;
  width: 21px;
  height: 21px;
  display: grid;
  place-items: center;
  color: var(--navy-900);
  background: #fff;
  border-radius: 50%;
  font-size: 10px;
  opacity: 0;
  transform: scale(.7);
  transition: .2s ease;
}
.quick-option.is-active .quick-option__check { opacity: 1; transform: scale(1); }
.picker-action {
  min-height: 80px;
  padding: 14px 14px 14px 22px;
  display: grid;
  grid-template-columns: 1fr auto auto;
  align-items: center;
  gap: 25px;
  color: var(--navy-900);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
}
.picker-action > div { display: grid; gap: 4px; }
.picker-action__title { font-size: 13px; }
.picker-action__detail { color: var(--muted); font-size: 11px; }
.picker-action .button { min-height: 50px; }
.picker-help {
  padding: 10px 12px;
  color: var(--navy-700);
  font-size: 10px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.coverage::before, .why::after { display: none; }
.coverage-card { border-radius: 10px; }
.why__image { border-radius: 0; }

.reveal { opacity: 1; transform: none; }
@keyframes drop-in { from { transform: translateY(-100%); } to { transform: none; } }

@media (max-width: 1040px) {
  .desktop-nav { gap: 20px; }
  .hero__content { grid-template-columns: 1.2fr 340px; gap: 35px; }
  .hero__copy { padding-bottom: 40px; }
  .why__grid { gap: 60px; }
  .quote__grid { gap: 55px; }
}

@media (max-width: 820px) {
  .shell { width: min(100% - 34px, 680px); }
  .section { padding: 85px 0; }
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom)); }
  .topbar__inner > p { display: none; }
  .topbar__links { width: 100%; justify-content: space-between; }
  .site-header,
  .site-header.is-sticky {
    position: fixed;
    top: 0;
    background: rgba(5,24,61,.94);
    backdrop-filter: blur(16px);
    box-shadow: 0 1px 0 rgba(255,255,255,.1);
    animation: none;
  }
  .nav-wrap { height: 76px; }
  .brand { width: 190px; }
  .brand img { width: 190px; }
  .desktop-nav, .desktop-cta { display: none; }
  .menu-button { display: block; margin-left: auto; }
  .mobile-menu {
    position: absolute;
    z-index: 40;
    top: 76px;
    left: 0;
    width: 100vw;
    height: calc(100dvh - 76px);
    padding: 42px 28px calc(105px + env(safe-area-inset-bottom));
    overflow-y: auto;
    background: radial-gradient(circle at 95% 5%, rgba(16,73,148,.5), transparent 32%), var(--navy-950);
    border-top: 1px solid rgba(255,255,255,.1);
  }
  .mobile-menu__eyebrow {
    margin: 0 0 18px;
    color: #8fa5c8;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .13em;
    text-transform: uppercase;
  }
  .mobile-menu > a:not(.mobile-menu__quote) {
    padding: 17px 0;
    color: #fff;
    border-bottom: 1px solid rgba(255,255,255,.12);
    font-size: 27px;
    font-weight: 620;
    letter-spacing: -.035em;
  }
  .mobile-menu__quote {
    margin-top: 26px;
    padding: 18px 20px !important;
    display: flex !important;
    justify-content: space-between;
    align-items: center;
    color: #fff;
    background: var(--red);
    border: 0 !important;
    border-radius: 8px;
    font-size: 15px;
  }
  .mobile-menu__contact {
    margin-top: 30px;
    padding-top: 23px;
    display: grid;
    gap: 7px;
    border-top: 1px solid rgba(255,255,255,.12);
  }
  .mobile-menu__contact small { color: #8298bb; font-size: 10px; text-transform: uppercase; letter-spacing: .1em; }
  .mobile-menu__contact a { padding: 0; color: #fff; border: 0; font-size: 21px; }
  .mobile-menu__contact span { color: #8298bb; font-size: 11px; }
  .mobile-actions {
    position: fixed;
    z-index: 35;
    left: 10px;
    right: 10px;
    bottom: calc(9px + env(safe-area-inset-bottom));
    height: 58px;
    padding: 5px;
    display: grid;
    grid-template-columns: 50px 1fr;
    gap: 6px;
    color: #fff;
    background: rgba(4,21,52,.94);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 13px;
    box-shadow: 0 14px 40px rgba(2,14,38,.28);
    backdrop-filter: blur(14px);
    transition: opacity .25s ease, transform .25s ease;
  }
  .mobile-actions.is-hidden { opacity: 0; pointer-events: none; transform: translateY(18px); }
  .mobile-actions__call {
    display: grid;
    place-items: center;
    color: #fff;
    background: rgba(255,255,255,.1);
    border-radius: 9px;
    font-size: 18px;
  }
  .mobile-actions__quote {
    padding: 0 17px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    color: #fff;
    background: var(--red);
    border-radius: 9px;
    font-size: 13px;
    font-weight: 750;
  }
  .hero { min-height: auto; }
  .hero__giant-word { display: none; }
  .hero__photo { inset: 0; opacity: .42; }
  .hero__shade { background: linear-gradient(90deg, rgba(5,25,65,.98), rgba(5,25,65,.72)); }
  .hero-shield { top: 18%; right: -24%; width: 430px; opacity: .28; }
  .hero__content { min-height: 760px; padding: 115px 0 70px; display: block; }
  .hero__copy { width: min(100%, 600px); padding: 105px 0 60px; }
  .hero-card { margin: 0; max-width: 500px; }
  .hero__pulse { height: 760px; opacity: .65; }
  .hero__scroll { display: none; }
  .section-heading { grid-template-columns: 1fr; gap: 20px; }
  .coverage-grid { grid-template-columns: 1fr 1fr; grid-template-rows: 390px 210px 210px; }
  .coverage-card--feature { grid-column: 1/3; grid-row: auto; min-height: 390px; }
  .coverage-card--business { grid-column: 1/3; }
  .more-coverage { align-items: flex-start; }
  .more-coverage div { flex-wrap: wrap; }
  .coverage-showcase { grid-template-columns: 1fr; }
  .coverage-visual { min-height: 470px; }
  .coverage-menu__item { min-height: 105px; }
  .why__grid { grid-template-columns: 1fr; gap: 0; }
  .why__visual { height: 480px; }
  .why__image { inset: 40px -20px 0 -20px; border-radius: 0 110px 0 0; }
  .why__badge { right: 0; bottom: 25px; }
  .why__content { padding: 65px 0 85px; }
  .steps { grid-template-columns: 1fr; gap: 45px; }
  .steps::before { top: 0; bottom: 0; left: 29px; right: auto; height: auto; width: 1px; }
  .step { display: grid; grid-template-columns: 58px 1fr; column-gap: 22px; text-align: left; }
  .step__marker { grid-row: 1/4; margin: 0; }
  .step > p:last-child { margin: 0; max-width: none; }
  .quote__grid { grid-template-columns: 1fr; }
  .faq__grid { grid-template-columns: 1fr; gap: 50px; }
  .footer__top { grid-template-columns: 1fr; gap: 50px; }
  .impact-marquee { height: 72px; }
  .impact-marquee span { font-size: 29px; }
  .quote-dock__inner { padding: 60px 0; }
  .quote-dock__heading { grid-template-columns: 1fr; gap: 14px; }
  .quote-dock__heading .picker-step { grid-column: auto; }
  .quote-dock .quick-options { width: 100%; display: grid; grid-template-columns: 1fr 1fr; }
  .quote-dock .quick-option, .quote-dock .quick-option.is-active { min-height: 112px; }
  .picker-action { grid-template-columns: 1fr auto; }
  .picker-help { grid-column: 1 / 3; padding: 3px 0 6px; }
}

@media (max-width: 540px) {
  .shell { width: min(100% - 28px, 480px); }
  .topbar { font-size: 9px; }
  .topbar__links { gap: 10px; }
  .hero__content { min-height: 700px; padding-top: 92px; }
  h1 { font-size: 45px; }
  .hero-title { font-size: 52px; line-height: .93; }
  .hero-shield { top: 23%; right: -48%; width: 390px; opacity: .24; }
  .hero__copy { padding: 95px 0 45px; }
  .hero__intro { font-size: 16px; }
  .hero__actions { align-items: stretch; flex-direction: column; gap: 20px; }
  .hero__actions .button { width: 100%; }
  .trust-list { gap: 12px; }
  .quote-dock__inner { padding: 48px 0; }
  .quote-dock__heading { margin-bottom: 26px; }
  .quote-dock__heading h2 { font-size: 34px; }
  .quote-dock__heading > span { font-size: 15px; line-height: 1.55; }
  .quote-dock .quick-options { grid-template-columns: 1fr; }
  .quote-dock .quick-option, .quote-dock .quick-option.is-active { min-height: 86px; padding: 16px; }
  .quick-option__copy strong { font-size: 16px; }
  .quick-option__copy small { font-size: 12px; }
  .picker-action { padding: 18px; grid-template-columns: 1fr; gap: 14px; }
  .picker-action__title { font-size: 15px; }
  .picker-action__detail { font-size: 12px; line-height: 1.45; }
  .picker-action .button { width: 100%; }
  .picker-help { grid-column: auto; text-align: center; }
  .hero-card { padding: 24px 20px 21px; }
  .section-heading h2, .process__heading h2, .why h2, .quote h2, .faq h2 { font-size: 39px; }
  .coverage-grid { display: flex; flex-direction: column; }
  .coverage-card { min-height: 210px; }
  .coverage-card--feature { min-height: 380px; }
  .coverage-card--business { min-height: 220px; }
  .more-coverage { flex-direction: column; }
  .coverage-showcase { border-radius: 10px; }
  .coverage-visual { min-height: 390px; }
  .coverage-visual__content { left: 24px; right: 24px; bottom: 25px; }
  .coverage-visual__title { font-size: 34px; }
  .coverage-menu__item { min-height: 92px; padding: 18px 16px; grid-template-columns: 38px 1fr 32px; gap: 12px; }
  .coverage-menu__item.is-active { padding-left: 22px; }
  .coverage-menu__icon { width: 38px; height: 38px; font-size: 21px; }
  .coverage-menu__copy strong { font-size: 18px; }
  .coverage-menu__copy small { font-size: 12px; }
  .why__visual { height: 420px; }
  .why__badge { width: 135px; height: 135px; padding: 23px; }
  .why__badge strong { font-size: 22px; }
  .why__line { display: none; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .quote-form { padding: 24px 19px; }
  .quote-form label > span:first-child { font-size: 12px; }
  .quote-form input:not([type="checkbox"]), .quote-form select { height: 52px; font-size: 16px; }
  .consent span { font-size: 11px !important; }
  .form-note { font-size: 10px; }
  .quote__grid { gap: 55px; }
  .faq__heading br { display: none; }
  .footer__nav { grid-template-columns: 1fr 1fr; row-gap: 35px; }
  .footer__brand p, .footer__nav a { font-size: 13px; }
  .footer__bottom { grid-template-columns: 1fr; gap: 12px; }
  .floating-call b { display: none; }
  .floating-call { width: 50px; padding: 0; justify-content: center; }
  .floating-call span { background: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
  .page-loader { display: none; }
}

/* Decision flow, modern trust section, multilingual header and complete footer */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.language-switch {
  height: 38px;
  padding: 0 8px 0 10px;
  display: flex;
  align-items: center;
  gap: 5px;
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 20px;
}
.language-switch svg { width: 15px; fill: none; stroke: currentColor; stroke-width: 1.6; }
.language-switch select {
  padding: 0 16px 0 0;
  color: #fff;
  background: transparent;
  border: 0;
  outline: 0;
  font: inherit;
  font-size: 11px;
  font-weight: 700;
  cursor: pointer;
}
.language-switch option { color: var(--navy-900); background: #fff; }

.quote-dock { background: #f4f7fb; }
.quote-dock__inner { padding: 88px 0; }
.quote-dock__heading { grid-template-columns: 1.05fr .55fr; gap: 18px 90px; margin-bottom: 42px; }
.quote-dock__heading h2 { max-width: 720px; font-size: clamp(42px, 4.7vw, 68px); line-height: .96; letter-spacing: -.055em; }
.quote-dock__heading > span { max-width: 355px; font-size: 15px; line-height: 1.6; }
.protection-picker {
  padding: 10px;
  display: grid;
  grid-template-columns: minmax(0, 1.55fr) minmax(310px, .65fr);
  gap: 10px;
  background: #fff;
  border: 1px solid #dce4ef;
  border-radius: 20px;
  box-shadow: 0 24px 70px rgba(9,39,86,.09);
}
.quote-dock .quick-options {
  padding: 18px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 0;
}
.picker-question {
  grid-column: 1 / 3;
  min-height: 64px;
  padding: 0 4px 10px;
  display: flex;
  align-items: center;
  gap: 13px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 4px;
}
.picker-question > span {
  width: 31px;
  height: 31px;
  display: grid;
  place-items: center;
  color: #fff;
  background: var(--navy-900);
  border-radius: 50%;
  font-size: 12px;
  font-weight: 750;
}
.picker-question div { display: grid; gap: 2px; }
.picker-question strong { color: var(--navy-900); font-size: 15px; }
.picker-question small { color: var(--muted); font-size: 11px; }
.quote-dock .quick-option,
.quote-dock .quick-option.is-active {
  position: relative;
  width: 100%;
  min-height: 94px;
  padding: 18px 52px 18px 18px;
  display: flex;
  flex: none;
  align-items: center;
  justify-content: flex-start;
  gap: 14px;
  color: var(--navy-900);
  border: 1px solid #d9e2ee;
  background: #fff;
  border-radius: 11px;
  cursor: pointer;
}
.quote-dock .quick-option { transition: border-color .2s ease, background .2s ease, transform .2s ease, box-shadow .2s ease; }
.quote-dock .quick-option:hover { transform: translateY(-2px); border-color: #97aeca; }
.quote-dock .quick-option.is-active { background: #f1f6fd; border-color: var(--navy-700); box-shadow: inset 3px 0 0 var(--red); }
.quick-option__icon { width: 45px; height: 45px; }
.quick-option.is-active .quick-option__icon { color: #fff; background: var(--navy-900); }
.quick-option__copy strong { margin-bottom: 5px; font-size: 16px; }
.quick-option__copy small,
.quick-option.is-active .quick-option__copy small { color: var(--muted); font-size: 11px; }
.quick-option__check {
  right: 19px;
  top: 50%;
  width: 20px;
  height: 20px;
  background: transparent;
  border: 1.5px solid #a9b6c8;
  opacity: 1;
  transform: translateY(-50%);
}
.quick-option__check::after {
  content: "";
  width: 10px;
  height: 10px;
  background: var(--red);
  border-radius: 50%;
  opacity: 0;
  transform: scale(.4);
  transition: .2s ease;
}
.quick-option.is-active .quick-option__check { border-color: var(--red); transform: translateY(-50%); }
.quick-option.is-active .quick-option__check::after { opacity: 1; transform: scale(1); }
.picker-action {
  min-height: 100%;
  padding: 31px;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 0;
  color: #fff;
  background: var(--navy-900);
  border: 0;
  border-radius: 14px;
}
.picker-action__label {
  margin-bottom: 29px;
  color: #8fa6c9;
  font-size: 9px;
  font-weight: 750;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.picker-action__summary { display: grid; grid-template-columns: 38px 1fr; gap: 13px; align-items: start; }
.picker-action__mini-icon {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  color: #fff;
  background: var(--red);
  border-radius: 50%;
  font-size: 13px;
}
.picker-action__summary > div { display: grid; gap: 7px; }
.picker-action__title { color: #fff; font-size: 18px; line-height: 1.2; }
.picker-action__detail { color: #aebfda; font-size: 12px; line-height: 1.5; }
.picker-action__next {
  margin: auto 0 20px;
  padding-top: 35px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 9px;
  align-items: center;
}
.picker-action__next span { height: 2px; background: linear-gradient(90deg, var(--red) 0 35%, rgba(255,255,255,.16) 35%); }
.picker-action__next small { color: #8fa6c9; font-size: 9px; }
.picker-action .button { width: 100%; min-height: 54px; padding-inline: 18px; justify-content: space-between; }
.picker-help { padding: 15px 5px 1px; color: #bccae0; text-align: center; text-decoration: none; }
.picker-help:hover { color: #fff; }

.why { padding: 120px 0; color: var(--navy-900); background: #fff; }
.why__heading {
  margin-bottom: 58px;
  display: grid;
  grid-template-columns: 1.2fr .55fr;
  gap: 90px;
  align-items: end;
}
.why__heading h2 { margin: 0; font-size: clamp(48px, 5.2vw, 76px); line-height: .96; letter-spacing: -.058em; }
.why__heading > p { margin: 0 0 5px; color: var(--muted); font-size: 15px; line-height: 1.65; }
.why__stage { display: grid; grid-template-columns: 1.08fr .92fr; min-height: 610px; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; }
.why__visual { position: relative; height: auto; min-height: 610px; }
.why__image {
  position: absolute;
  inset: 0;
  border-radius: 0;
  background-image: linear-gradient(0deg, rgba(4,21,52,.45), transparent 55%), url("https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1400&q=88");
  background-position: center;
  background-size: cover;
  filter: none;
}
.why__image::after { display: none; }
.why__availability {
  position: absolute;
  left: 28px;
  right: 28px;
  bottom: 28px;
  padding: 17px 20px;
  display: grid;
  grid-template-columns: 10px 1fr;
  gap: 12px;
  align-items: center;
  color: #fff;
  background: rgba(4,21,52,.82);
  border: 1px solid rgba(255,255,255,.17);
  border-radius: 11px;
  backdrop-filter: blur(14px);
}
.why__availability > span { width: 9px; height: 9px; background: #48d597; border-radius: 50%; box-shadow: 0 0 0 5px rgba(72,213,151,.15); }
.why__availability div { display: grid; gap: 3px; }
.why__availability strong { font-size: 13px; }
.why__availability small { color: #b7c7df; font-size: 10px; }
.why__content { padding: 54px; display: flex; flex-direction: column; background: #f5f8fc; }
.why__promise { padding-bottom: 38px; display: grid; grid-template-columns: 47px 1fr; gap: 18px; border-bottom: 1px solid var(--line); }
.why__promise svg { width: 43px; fill: none; stroke: var(--red); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.why__promise div { display: grid; gap: 8px; }
.why__promise span { color: var(--red); font-size: 9px; font-weight: 750; letter-spacing: .13em; text-transform: uppercase; }
.why__promise strong { max-width: 370px; font-size: 24px; line-height: 1.15; letter-spacing: -.03em; }
.why .benefit-list { margin: 10px 0 32px; }
.why .benefit-list article { grid-template-columns: 38px 1fr; padding: 22px 0; border-color: var(--line); }
.why .benefit-list article > span {
  width: 32px;
  height: 32px;
  padding: 0;
  display: grid;
  place-items: center;
  color: var(--navy-700);
  background: #e8eff8;
  border-radius: 50%;
  font-size: 12px;
  font-weight: 750;
}
.why .benefit-list h3 { color: var(--navy-900); font-size: 16px; }
.why .benefit-list p { color: var(--muted); font-size: 12px; }
.why__link { margin-top: auto; display: flex; justify-content: space-between; color: var(--navy-900); font-size: 13px; font-weight: 750; border-bottom: 1px solid var(--navy-900); padding-bottom: 9px; }
.why__link span { color: var(--red); font-size: 18px; }

.footer { padding: 0 0 24px; }
.footer__cta {
  padding: 78px 0 64px;
  display: grid;
  grid-template-columns: 1fr .62fr;
  gap: 80px;
  align-items: end;
  border-bottom: 1px solid rgba(255,255,255,.13);
}
.footer__cta > div:first-child > span { color: var(--red); font-size: 9px; font-weight: 750; letter-spacing: .14em; text-transform: uppercase; }
.footer__cta h2 { margin: 15px 0 0; color: #fff; font-size: clamp(44px, 5vw, 70px); line-height: .96; letter-spacing: -.055em; }
.footer__cta > div:last-child { display: grid; gap: 24px; justify-items: start; }
.footer__cta p { margin: 0; max-width: 350px; color: #9eb0ce; font-size: 14px; line-height: 1.6; }
.footer__top { grid-template-columns: .65fr 1.65fr; gap: 95px; padding: 66px 0 58px; }
.footer__brand img { width: 235px; }
.footer__languages { margin-top: 25px; display: flex; align-items: center; gap: 9px; color: #a9b9d2; font-size: 10px; }
.footer__languages span { width: 7px; height: 7px; background: #48d597; border-radius: 50%; }
.footer__nav { grid-template-columns: repeat(4, 1fr); gap: 36px; }
.footer__nav p { margin: 0; color: #879bbb; font-size: 11px; line-height: 1.7; }
.footer__bottom { grid-template-columns: 1fr 1.45fr auto; }

@media (max-width: 1050px) {
  .nav-wrap { gap: 18px; }
  .desktop-nav { gap: 20px; }
  .protection-picker { grid-template-columns: 1.25fr .75fr; }
  .why__content { padding: 42px; }
  .footer__top { grid-template-columns: 1fr; gap: 46px; }
}

@media (max-width: 760px) {
  .language-switch { margin-left: auto; }
  .quote-dock__inner { padding: 65px 0; }
  .quote-dock__heading { grid-template-columns: 1fr; gap: 16px; margin-bottom: 28px; }
  .quote-dock__heading .picker-step { grid-column: auto; }
  .quote-dock__heading h2 { font-size: 46px; }
  .quote-dock__heading > span { max-width: 480px; font-size: 14px; }
  .protection-picker { padding: 7px; grid-template-columns: 1fr; border-radius: 15px; }
  .quote-dock .quick-options { grid-template-columns: 1fr 1fr; padding: 12px; }
  .picker-action { min-height: 300px; padding: 26px; }
  .why { padding: 80px 0; }
  .why__heading { grid-template-columns: 1fr; gap: 24px; margin-bottom: 38px; }
  .why__heading h2 { font-size: 52px; }
  .why__heading > p { max-width: 500px; }
  .why__stage { grid-template-columns: 1fr; }
  .why__visual { min-height: 500px; }
  .why__image { inset: 0; }
  .why__content { padding: 38px; }
  .footer__cta { grid-template-columns: 1fr; gap: 35px; }
  .footer__nav { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 540px) {
  .brand { width: 170px; }
  .brand img { width: 170px; }
  .language-switch { height: 36px; padding-left: 8px; }
  .language-switch svg { display: none; }
  .language-switch select { padding-right: 11px; }
  .quote-dock__heading h2 { font-size: 40px; }
  .quote-dock .quick-options { grid-template-columns: 1fr; }
  .picker-question { grid-column: auto; }
  .quote-dock .quick-option,
  .quote-dock .quick-option.is-active { min-height: 80px; padding: 14px 48px 14px 14px; }
  .quick-option__icon { width: 40px; height: 40px; }
  .picker-action { min-height: 285px; padding: 24px; }
  .picker-action__title { font-size: 17px; }
  .why__heading h2 { font-size: 43px; }
  .why__visual { min-height: 410px; }
  .why__availability { left: 14px; right: 14px; bottom: 14px; }
  .why__content { padding: 29px 22px; }
  .why__promise { grid-template-columns: 38px 1fr; gap: 13px; }
  .why__promise svg { width: 36px; }
  .why__promise strong { font-size: 21px; }
  .footer__cta { padding: 60px 0 52px; }
  .footer__cta h2 { font-size: 47px; }
  .footer__nav { gap: 34px 22px; }
  .footer__bottom { grid-template-columns: 1fr; }
}

/* Accessible custom coverage selector */
.custom-select { position: relative; margin-bottom: 14px; }
.custom-select__label {
  display: block;
  margin: 0 0 6px;
  color: #46536a;
  font-size: 10px;
  font-weight: 650;
}
.custom-select__trigger {
  width: 100%;
  height: 50px;
  padding: 0 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  color: var(--ink);
  background: #f8fafc;
  border: 1px solid #dbe2eb;
  border-radius: 7px;
  font: inherit;
  font-size: 13px;
  text-align: left;
  cursor: pointer;
  transition: border-color .2s ease, background .2s ease, box-shadow .2s ease;
}
.custom-select__trigger:hover { border-color: #aab8ca; background: #fff; }
.custom-select__trigger:focus-visible,
.custom-select.is-open .custom-select__trigger {
  outline: none;
  background: #fff;
  border-color: var(--navy-700);
  box-shadow: 0 0 0 3px rgba(16,73,148,.11);
}
.custom-select__trigger svg {
  width: 18px;
  flex: 0 0 auto;
  fill: none;
  stroke: var(--navy-700);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  transition: transform .2s ease;
}
.custom-select.is-open .custom-select__trigger svg { transform: rotate(180deg); }
.custom-select__menu {
  position: absolute;
  z-index: 20;
  top: calc(100% + 7px);
  left: 0;
  right: 0;
  padding: 7px;
  max-height: 294px;
  overflow-y: auto;
  background: #fff;
  border: 1px solid #d7e0eb;
  border-radius: 10px;
  box-shadow: 0 22px 55px rgba(4,21,52,.18);
}
.custom-select__menu[hidden] { display: none; }
.custom-select__menu button {
  width: 100%;
  min-height: 42px;
  padding: 0 11px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: #26334a;
  background: transparent;
  border: 0;
  border-radius: 7px;
  font: inherit;
  font-size: 12px;
  text-align: left;
  cursor: pointer;
}
.custom-select__menu button:hover,
.custom-select__menu button:focus-visible { outline: 0; background: #f0f5fb; }
.custom-select__menu button[aria-selected="true"] { color: #fff; background: var(--navy-900); }
.custom-select__menu button b { color: var(--red); opacity: 0; }
.custom-select__menu button[aria-selected="true"] b { opacity: 1; }
.custom-select__native {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  opacity: 0;
  pointer-events: none;
}

/* Floating human support */
.support-widget { position: fixed; z-index: 42; right: 22px; bottom: 22px; }
.support-widget__toggle {
  min-height: 54px;
  padding: 6px 18px 6px 7px;
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  background: var(--navy-900);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 29px;
  box-shadow: 0 15px 45px rgba(4,21,52,.25);
  font: inherit;
  font-size: 12px;
  font-weight: 750;
  cursor: pointer;
}
.support-widget__toggle:hover { background: var(--navy-700); }
.support-widget__icon {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  color: #fff;
  background: var(--red);
  border-radius: 50%;
}
.support-widget__icon svg { width: 21px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.support-widget__panel {
  position: absolute;
  right: 0;
  bottom: 66px;
  width: min(355px, calc(100vw - 28px));
  padding: 22px;
  color: #fff;
  background: rgba(4,21,52,.98);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 16px;
  box-shadow: 0 25px 80px rgba(2,14,38,.38);
  backdrop-filter: blur(18px);
  transform-origin: right bottom;
}
.support-widget__panel[hidden] { display: none; }
.support-widget__head { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; }
.support-widget__head > div { display: grid; gap: 5px; }
.support-widget__head span { color: var(--red); font-size: 9px; font-weight: 750; letter-spacing: .12em; text-transform: uppercase; }
.support-widget__head strong { font-size: 21px; letter-spacing: -.03em; }
.support-widget__close {
  width: 31px;
  height: 31px;
  display: grid;
  place-items: center;
  color: #fff;
  background: rgba(255,255,255,.08);
  border: 0;
  border-radius: 50%;
  font-size: 20px;
  cursor: pointer;
}
.support-widget__panel > p { margin: 14px 0 19px; color: #9fb1cd; font-size: 12px; line-height: 1.55; }
.support-widget__panel > a {
  min-height: 64px;
  padding: 10px 12px;
  display: grid;
  grid-template-columns: 37px 1fr auto;
  gap: 11px;
  align-items: center;
  color: #fff;
  border-top: 1px solid rgba(255,255,255,.12);
}
.support-widget__panel > a > span { width: 36px; height: 36px; display: grid; place-items: center; color: var(--red); background: rgba(255,255,255,.07); border-radius: 50%; }
.support-widget__panel > a div { display: grid; gap: 2px; }
.support-widget__panel > a small { color: #8298bb; font-size: 8px; text-transform: uppercase; letter-spacing: .1em; }
.support-widget__panel > a strong { font-size: 12px; }
.support-widget__panel > a b { color: var(--red); font-size: 16px; }
.support-widget__hours { padding-top: 15px; display: flex; align-items: center; gap: 8px; color: #8298bb; font-size: 9px; border-top: 1px solid rgba(255,255,255,.12); }
.support-widget__hours i { width: 7px; height: 7px; background: #48d597; border-radius: 50%; }

@media (max-width: 760px) {
  .custom-select__label { font-size: 12px; }
  .custom-select__trigger { height: 52px; font-size: 16px; }
  .custom-select__menu button { min-height: 47px; font-size: 14px; }
  .support-widget { right: 13px; bottom: calc(82px + env(safe-area-inset-bottom)); }
  .support-widget__toggle { width: 50px; height: 50px; min-height: 50px; padding: 5px; }
  .support-widget__toggle > span:last-child { display: none; }
  .support-widget__icon { width: 40px; height: 40px; }
}

/* Honeypot: hidden from humans, visible to naive bots */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden;
}