:root {
  --bg: #f4f6f7;
  --bg-alt: #e8eef1;
  --surface: #ffffff;
  --ink: #051e33;
  --ink-soft: #3d4f63;
  --line: #d3dde3;
  --accent: #2c6880;          /* logo steel blue, text-safe on light */
  --accent-strong: #7eb2c9;   /* logo steel blue, fills */
  --accent-ink: #051e33;      /* logo navy, text on accent fills */
  --navy: #051e33;
  --navy-2: #0e3350;
  --on-navy: #f1f5f7;
  --on-navy-soft: #b9c6d4;
  --focus: #0b6fd6;
  --shadow: 0 1px 2px rgba(11, 27, 46, .06), 0 8px 24px rgba(11, 27, 46, .07);
  --radius: 16px;
  --maxw: 1200px;
  --gutter: 16px;
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #07111d;
    --bg-alt: #0b1a2b;
    --surface: #102338;
    --ink: #e9eff2;
    --ink-soft: #aebccb;
    --line: #223a54;
    --accent: #8cc0d6;
    --accent-strong: #7eb2c9;
    --accent-ink: #051e33;
    --navy: #040c15;
    --navy-2: #0d2640;
    --focus: #6db3ff;
    --shadow: 0 1px 2px rgba(0, 0, 0, .4), 0 8px 24px rgba(0, 0, 0, .35);
    color-scheme: dark;
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 76px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  overflow-x: hidden;
}
img, svg { max-width: 100%; }
a { color: var(--accent); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.02em; }
h1 { font-size: clamp(2.1rem, 6vw, 3.8rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 4vw, 2.5rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; letter-spacing: -.01em; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding-inline: var(--gutter); }
section { padding-block: 72px; }
.alt { background: var(--bg-alt); }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; color: var(--accent); margin-bottom: 12px;
}
.lede { font-size: 1.15rem; color: var(--ink-soft); max-width: 62ch; }
.section-head { max-width: 760px; margin-bottom: 40px; }
.skip {
  position: absolute; left: -999px; top: 8px; background: var(--accent-strong); color: var(--accent-ink);
  padding: 8px 14px; border-radius: 8px; z-index: 100; font-weight: 700;
}
.skip:focus { left: 8px; }

/* Icons */
.icon { width: 28px; height: 28px; fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.icon-badge {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: var(--navy); color: var(--accent-strong); margin-bottom: 16px;
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 12px 22px; border-radius: 999px; font-weight: 800; font-size: 1rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .15s, background .15s;
}
.btn-primary { background: var(--accent-strong); color: var(--accent-ink); }
.btn-primary:hover { background: #ffbe55; transform: translateY(-1px); }
.btn-ghost { border-color: currentColor; color: inherit; background: transparent; }
.btn-ghost:hover { background: rgba(255, 255, 255, .1); }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: var(--navy); color: var(--on-navy);
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.nav { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.15rem; color: var(--on-navy); text-decoration: none; letter-spacing: -.01em; }
.brand img { width: 40px; height: auto; display: block; }
.brand span span { color: var(--accent-strong); }
.menu { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 4px; }
.menu a { color: var(--on-navy); text-decoration: none; font-weight: 600; font-size: .95rem; padding: 10px 12px; border-radius: 8px; display: block; }
.menu a:hover { background: rgba(255, 255, 255, .09); }
.menu .btn { padding: 8px 18px; min-height: 42px; color: var(--accent-ink); }
.menu .btn:hover { background: #ffbe55; }
.nav-toggle {
  display: none; background: transparent; border: 2px solid rgba(255, 255, 255, .3); color: var(--on-navy);
  width: 46px; height: 46px; border-radius: 12px; cursor: pointer; place-items: center;
}
.nav-toggle .bar, .nav-toggle .bar::before, .nav-toggle .bar::after {
  display: block; width: 20px; height: 2px; background: currentColor; border-radius: 2px; position: relative; transition: transform .2s, background .2s;
}
.nav-toggle .bar::before, .nav-toggle .bar::after { content: ""; position: absolute; left: 0; }
.nav-toggle .bar::before { top: -6px; }
.nav-toggle .bar::after { top: 6px; }
.nav-toggle[aria-expanded="true"] .bar { background: transparent; }
.nav-toggle[aria-expanded="true"] .bar::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] .bar::after { top: 0; transform: rotate(-45deg); }

@media (max-width: 960px) {
  .nav-toggle { display: grid; }
  .menu {
    display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--navy);
    flex-direction: column; align-items: stretch; padding: 8px var(--gutter) 20px; gap: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .1);
  }
  .menu.open { display: flex; }
  .menu a { padding: 14px 8px; font-size: 1.05rem; }
  .menu .btn { margin-top: 10px; }
}

/* Hero */
.hero {
  background:
    radial-gradient(900px 400px at 85% -10%, rgba(126, 178, 201, .22), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: var(--on-navy); padding-block: 88px 96px; position: relative; overflow: hidden;
}
.hero .eyebrow { color: var(--accent-strong); }
.hero h1 em { font-style: normal; color: var(--accent-strong); }
.hero .lede { color: var(--on-navy-soft); font-size: 1.2rem; }
.hero-grid { display: grid; gap: 48px; grid-template-columns: 1.3fr 1fr; align-items: center; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.hero-note { margin-top: 18px; font-size: .92rem; color: var(--on-navy-soft); }
.hero-card {
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); border-radius: 20px; padding: 28px;
}
.hero-card h2 { font-size: 1rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-strong); margin-bottom: 18px; }
.hero-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
.hero-card li { display: flex; gap: 14px; align-items: flex-start; }
.hero-card li strong { display: block; color: var(--on-navy); }
.hero-card li span { color: var(--on-navy-soft); font-size: .95rem; }
.hero-card .icon { color: var(--accent-strong); margin-top: 2px; }

/* Cards and grids */
.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow);
}
.card p:last-child { margin-bottom: 0; }
.card p { color: var(--ink-soft); }
.risk { border-top: 4px solid var(--accent-strong); }
.risk .tag { font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--accent); }

/* Who */
.who-grid { display: grid; gap: 20px; grid-template-columns: repeat(3, 1fr); }
.who { text-align: left; }
.who .icon-badge { margin-bottom: 14px; }

/* Steps */
.steps { list-style: none; counter-reset: step; padding: 0; margin: 0; display: grid; gap: 20px; grid-template-columns: repeat(4, 1fr); }
.steps li { counter-increment: step; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; position: relative; box-shadow: var(--shadow); }
.steps li::before {
  content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%;
  background: var(--accent-strong); color: var(--accent-ink); font-weight: 800; margin-bottom: 14px;
}
.steps p { color: var(--ink-soft); margin: 0; }
.steps .meta { display: block; font-size: .85rem; font-weight: 700; color: var(--accent); margin-bottom: 6px; }

/* Pricing */
.plans { display: grid; gap: 24px; grid-template-columns: 1fr 1.3fr; max-width: 960px; margin-inline: auto; align-items: stretch; }
.plan .nomin { font-size: 1.1rem; color: var(--ink); margin: 14px 0 6px; }
.plan .btn { margin-top: 22px; align-self: flex-start; }
.plan { display: flex; flex-direction: column; position: relative; }
.plan.featured { border: 2px solid var(--accent-strong); }
.badge {
  position: absolute; top: -13px; right: 24px; background: var(--accent-strong); color: var(--accent-ink);
  font-size: .78rem; font-weight: 800; padding: 4px 12px; border-radius: 999px; letter-spacing: .04em;
}
.price { font-size: 3rem; font-weight: 800; letter-spacing: -.03em; line-height: 1; margin: 12px 0 4px; }
.price small { font-size: 1rem; font-weight: 600; color: var(--ink-soft); letter-spacing: 0; }
.plan .for { color: var(--ink-soft); font-weight: 600; }
.ticks { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; }
.ticks li { padding-left: 30px; position: relative; color: var(--ink); }
.ticks li::before {
  content: ""; position: absolute; left: 0; top: .35em; width: 18px; height: 18px; border-radius: 50%;
  background: var(--accent-strong);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='black' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/cover;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='black' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/cover;
}
#pricing .callout, #pricing .small { max-width: 960px; margin-inline: auto; }
.addons { margin: 32px auto 0; display: grid; gap: 20px; grid-template-columns: 1fr; max-width: 960px; }
.addons h3 { margin-bottom: 12px; }
.addon-list { list-style: none; margin: 0; padding: 0; }
.addon-list li { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px dashed var(--line); }
.addon-list li:last-child { border-bottom: 0; }
.addon-list b { white-space: nowrap; }
.addon-list span { color: var(--ink-soft); }
.small { font-size: .88rem; color: var(--ink-soft); }
.callout {
  margin-top: 28px; padding: 18px 22px; border-radius: 14px; background: var(--surface);
  border: 1px solid var(--line); border-left: 6px solid var(--accent-strong);
}
.callout p { margin: 0; }

/* Insurance / phone / limits */
.split { display: grid; gap: 40px; grid-template-columns: 1fr 1fr; align-items: start; }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist .icon { width: 22px; height: 22px; color: var(--accent); margin-top: 3px; }
.notlist li .icon { color: var(--ink-soft); }
.dark-band { background: var(--navy); color: var(--on-navy); }
.dark-band .lede, .dark-band p { color: var(--on-navy-soft); }
.dark-band .eyebrow { color: var(--accent-strong); }
.dark-band .card { background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .14); box-shadow: none; }
.dark-band .card p, .dark-band .card li { color: var(--on-navy-soft); }
.dark-band .card h3 { color: var(--on-navy); }
.dark-band .checklist .icon { color: var(--accent-strong); }
.dark-band .checklist li { color: var(--on-navy); }

/* FAQ */
.faq { max-width: 860px; display: grid; gap: 12px; }
details { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; }
summary {
  cursor: pointer; list-style: none; padding: 18px 56px 18px 22px; font-weight: 700; font-size: 1.05rem; position: relative; border-radius: 14px;
}
summary::-webkit-details-marker { display: none; }
summary::after {
  content: ""; position: absolute; right: 22px; top: 50%; width: 10px; height: 10px;
  border-right: 2.5px solid var(--accent); border-bottom: 2.5px solid var(--accent); transform: translateY(-70%) rotate(45deg); transition: transform .2s;
}
details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
details .answer { padding: 0 22px 20px; color: var(--ink-soft); }
details .answer p:last-child { margin-bottom: 0; }

/* Contact band */
.cta-band { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color: var(--on-navy); text-align: center; }
.cta-band .lede { margin-inline: auto; color: var(--on-navy-soft); }
.cta-band .cta-row { justify-content: center; }

/* Footer */
.site-footer { background: var(--navy); color: var(--on-navy-soft); padding-block: 32px; font-size: .92rem; border-top: 1px solid rgba(255, 255, 255, .08); }
.footer-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; }
.site-footer a { color: var(--on-navy); }
.soon { opacity: .75; }

/* Reveal */
.reveal-on [data-reveal] { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease; }
.reveal-on [data-reveal].is-visible { opacity: 1; transform: none; }

/* Responsive */
@media (max-width: 1100px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 860px) {
  .hero-grid, .split, .addons { grid-template-columns: 1fr; }
  .plans { grid-template-columns: 1fr; }
  .who-grid { grid-template-columns: repeat(2, 1fr); }
  section { padding-block: 56px; }
  .hero { padding-block: 56px 64px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .grid-3, .grid-2, .who-grid, .steps { grid-template-columns: 1fr; }
  .card, .steps li { padding: 22px; }
  .cta-row .btn { width: 100%; }
  .addon-list li { flex-direction: column; gap: 2px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .reveal-on [data-reveal] { opacity: 1; transform: none; }
}