@import url("https://fonts.googleapis.com/css2?family=Open+Sans:wght@400;500;600;700;800&display=swap");

:root {
  --blue: #000290;
  --blue-900: #02033f;
  --blue-800: #07095f;
  --gold: #fca800;
  --white: #ffffff;
  --ink: #15182a;
  --muted: #687086;
  --line: #e3e7f2;
  --soft: #f6f8fc;
  --glass: rgba(255, 255, 255, 0.78);
  --shadow-sm: 0 10px 30px rgba(0, 2, 80, 0.08);
  --shadow: 0 24px 70px rgba(0, 2, 80, 0.18);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Open Sans", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.container {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
}

.topbar {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 50;
  padding: 16px 0 14px;
  background:
    linear-gradient(135deg, #000290 0%, #000170 56%, #02033f 100%);
  border-bottom: 0;
  backdrop-filter: none;
  transition: padding 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}

.topbar.is-scrolled {
  padding: 8px 0;
  background:
    linear-gradient(135deg, #000290 0%, #000170 58%, #02033f 100%);
  box-shadow: 0 18px 42px rgba(0, 2, 80, 0.22);
}

.nav {
  position: relative;
  width: min(1160px, calc(100% - 32px));
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(18px, 3vw, 38px);
  padding: 0 24px 0 28px;
  border-radius: 26px;
  background: var(--white);
  box-shadow: 0 22px 54px rgba(0, 2, 80, 0.22);
  transition: min-height 0.25s ease, box-shadow 0.25s ease, border-radius 0.25s ease;
}

.nav::after {
  content: "";
  position: absolute;
  left: 28px;
  right: 28px;
  bottom: 0;
  height: 2px;
  border-radius: 999px;
  background: rgba(252, 168, 0, 0.48);
}

.topbar.is-scrolled .nav {
  min-height: 66px;
  border-radius: 22px;
  box-shadow: 0 18px 48px rgba(0, 2, 80, 0.28);
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  min-width: 164px;
}

.site-logo {
  display: block;
  width: auto;
  height: 62px;
  filter: none;
  transition: height 0.25s ease;
}

.topbar.is-scrolled .site-logo {
  height: 54px;
}

.nav-panel {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(18px, 3vw, 34px);
  flex: 1 1 auto;
  min-width: 0;
}

.menu {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(20px, 3vw, 38px);
  flex: 1 1 auto;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: #23283a;
  white-space: nowrap;
}

.menu a, .dropbtn {
  position: relative;
  padding: 12px 0;
  transition: color 0.22s ease;
}

.menu a:not(.btn)::after, .dropbtn::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 3px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.24s ease;
}

.menu a:hover,
.dropbtn:hover {
  color: var(--blue);
}

.menu a:hover::after, .dropbtn:hover::after {
  transform: scaleX(1);
}

.dropdown {
  position: relative;
}

.dropdown::after {
  content: "";
  position: absolute;
  left: -18px;
  right: -18px;
  top: 100%;
  height: 18px;
}

.dropbtn {
  border: 0;
  background: transparent;
  color: inherit;
  font: inherit;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.menu-caret {
  width: 7px;
  height: 7px;
  border-right: 1.8px solid currentColor;
  border-bottom: 1.8px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
}

.nav-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 18px;
  flex: 0 0 auto;
}

.nav-quote {
  min-height: 46px;
  padding: 12px 30px;
  border-radius: 999px;
  font-size: 14px;
  color: var(--blue);
  box-shadow: 0 14px 28px rgba(252, 168, 0, 0.28);
  transition: transform 0.22s ease, box-shadow 0.22s ease, filter 0.22s ease;
}

.nav-quote .quote-arrow {
  display: inline-block;
  margin-left: 9px;
  transition: transform 0.22s ease;
}

.nav-quote:hover {
  transform: translateY(-2px) scale(1.02);
  box-shadow: 0 18px 34px rgba(252, 168, 0, 0.34);
  filter: brightness(1.03);
}

.nav-quote:hover .quote-arrow {
  transform: translateX(4px);
}

.nav-login {
  min-height: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 7px 2px;
  color: #333849;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 14px;
  font-weight: 600;
  line-height: 1;
  transition: color 0.2s ease, transform 0.2s ease;
}

.nav-login svg {
  width: 19px;
  height: 19px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.nav-login:hover {
  color: var(--blue);
  transform: translateY(-1px);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid rgba(0, 2, 144, 0.12);
  border-radius: 14px;
  background: rgba(0, 2, 144, 0.04);
  color: var(--blue);
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 3px 0;
  border-radius: 999px;
  background: currentColor;
  transition: transform 0.22s ease, opacity 0.22s ease;
}

.topbar.nav-open .nav-toggle span:nth-child(1) {
  transform: translateY(5px) rotate(45deg);
}

.topbar.nav-open .nav-toggle span:nth-child(2) {
  opacity: 0;
}

.topbar.nav-open .nav-toggle span:nth-child(3) {
  transform: translateY(-5px) rotate(-45deg);
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: -14px;
  z-index: 80;
  min-width: 250px;
  padding: 12px;
  border: 1px solid rgba(0, 2, 144, 0.08);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 18px 48px rgba(0, 2, 80, 0.18);
  display: none;
  color: var(--ink);
}

.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu,
.dropdown.is-open .dropdown-menu {
  display: grid;
}

.dropdown-menu a {
  padding: 10px 12px;
  border-radius: 7px;
  font-weight: 700;
}

.dropdown-menu a:hover {
  background: var(--soft);
  color: var(--blue);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 13px 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  background: var(--blue);
  color: var(--white);
  font-family: "Open Sans", Arial, sans-serif;
  font-weight: 900;
  cursor: pointer;
  box-shadow: 0 12px 26px rgba(0, 2, 144, 0.16);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 34px rgba(0, 2, 144, 0.22);
}

.btn-gold {
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.18), transparent 38%),
    linear-gradient(135deg, #fca800, #d88b00);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.22);
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
  box-shadow: 0 14px 28px rgba(252, 168, 0, 0.28);
}

.btn-gold:hover {
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.24), transparent 38%),
    linear-gradient(135deg, #ffb51e, #c77f00);
  color: var(--white);
  box-shadow: 0 18px 36px rgba(252, 168, 0, 0.34);
}

.nav .nav-quote,
.nav .nav-quote:hover {
  color: var(--blue);
  text-shadow: none;
}

.btn-outline {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.72);
  color: var(--white);
  box-shadow: none;
}

.section {
  padding: 100px 0;
}

.section-soft {
  background:
    linear-gradient(180deg, rgba(0, 2, 144, 0.03), rgba(0, 2, 144, 0)),
    var(--soft);
}

.hero {
  position: relative;
  min-height: 100vh;
  display: grid;
  align-items: center;
  overflow: hidden;
  color: var(--white);
  isolation: isolate;
}

.hero video {
  position: absolute;
  inset: 0;
  z-index: -3;
  width: 100%;
  height: 100%;
  object-fit: cover;
  background: var(--blue-900);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -2;
  background:
    radial-gradient(circle at 22% 22%, rgba(252, 168, 0, 0.22), transparent 28%),
    linear-gradient(110deg, rgba(0, 2, 80, 0.92), rgba(0, 2, 80, 0.72) 48%, rgba(0, 2, 80, 0.42));
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  z-index: -1;
  height: 34%;
  background: linear-gradient(180deg, transparent, rgba(2, 3, 63, 0.72));
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(340px, 430px);
  gap: 58px;
  align-items: center;
  padding: 140px 0 70px;
}

.hero h1, .page-hero h1 {
  margin: 0 0 22px;
  font-size: clamp(44px, 6vw, 82px);
  line-height: 0.98;
  letter-spacing: 0;
  font-weight: 700;
}

.hero p, .page-hero p {
  margin: 0 0 32px;
  max-width: 720px;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: clamp(18px, 2vw, 23px);
  color: rgba(255, 255, 255, 0.88);
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.quote-card {
  position: relative;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.94);
  color: var(--ink);
  border: 1px solid rgba(255, 255, 255, 0.64);
  border-radius: 8px;
  padding: 28px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.quote-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--blue));
}

.quote-card h2 {
  margin: 0 0 8px;
  color: var(--blue);
  font-size: 27px;
  line-height: 1.15;
}

.form-note {
  margin: 0 0 18px;
  color: #363636;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 14px;
}

.quote-card .form-note {
  color: #363636;
}

.quote-form {
  display: grid;
  gap: 13px;
}

.honeypot-field {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
}

.turnstile-wrap {
  min-height: 65px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.turnstile-wrap .cf-turnstile {
  max-width: 100%;
}

.quote-form input,
.quote-form select,
.quote-form textarea {
  width: 100%;
  border: 1px solid #dfe4f0;
  border-radius: 8px;
  padding: 13px 14px;
  font: 15px "Open Sans", Arial, sans-serif;
  background: #fbfcff;
  color: var(--ink);
  outline: none;
  transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.quote-form input:focus,
.quote-form select:focus,
.quote-form textarea:focus {
  border-color: rgba(0, 2, 144, 0.42);
  box-shadow: 0 0 0 4px rgba(0, 2, 144, 0.08);
  background: var(--white);
}

.quote-form textarea {
  min-height: 96px;
  resize: vertical;
}

.quote-form .btn {
  width: 100%;
}

.form-message {
  min-height: 22px;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 14px;
  color: var(--blue);
}

.form-highlight {
  animation: formPulse 2.8s ease;
}

@keyframes formPulse {
  0%, 100% { box-shadow: var(--shadow); }
  25%, 75% { box-shadow: 0 0 0 6px rgba(252, 168, 0, 0.34), var(--shadow); }
}

.page-hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 18% 30%, rgba(252, 168, 0, 0.18), transparent 28%),
    linear-gradient(120deg, var(--blue), var(--blue-900));
  color: var(--white);
  padding: 164px 0 92px;
}

.page-hero::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), transparent);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 430px);
  gap: 58px;
  align-items: start;
}

.insurance-hero-grid {
  grid-template-columns: minmax(0, 1fr) minmax(380px, 0.92fr);
  gap: clamp(34px, 5vw, 72px);
  align-items: start;
}

.insurance-hero-grid > .quote-card {
  width: 100%;
  max-width: 520px;
  justify-self: end;
  margin: 0;
  border-color: rgba(0, 2, 144, 0.1);
  box-shadow: 0 24px 58px rgba(0, 2, 80, 0.14);
}

.insurance-hero-grid > .insurance-insert {
  grid-column: 1 / -1;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--gold);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0;
}

.lead {
  color: var(--muted);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 18px;
}

h2 {
  margin-top: 0;
  color: var(--blue-900);
  font-size: clamp(30px, 4vw, 48px);
  line-height: 1.08;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 30px;
}

.card {
  position: relative;
  min-height: 172px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 26px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.card::before {
  content: "";
  display: block;
  width: 36px;
  height: 3px;
  margin-bottom: 18px;
  background: var(--gold);
}

.solution-icon {
  width: 48px;
  height: 48px;
  display: inline-grid;
  place-items: center;
  margin-bottom: 18px;
  border-radius: 8px;
  background: linear-gradient(135deg, rgba(252, 168, 0, 0.08), rgba(252, 168, 0, 0.18));
  color: var(--gold);
}

.solution-icon svg {
  width: 27px;
  height: 27px;
  stroke: currentColor;
  stroke-width: 1.9;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 2, 144, 0.18);
  box-shadow: var(--shadow);
}

.card h3 {
  margin: 0 0 10px;
  color: var(--blue);
  font-size: 22px;
  line-height: 1.2;
}

.card p {
  margin: 0;
  color: var(--muted);
  font-family: "Open Sans", Arial, sans-serif;
}

.section-heading {
  max-width: 900px;
  margin: 0 auto 52px;
  text-align: center;
}

.section-heading h2 {
  margin-bottom: 12px;
  color: var(--blue-900);
}

.section-heading span {
  display: block;
  width: 42px;
  height: 2px;
  margin: 0 auto 18px;
  background: var(--gold);
}

.section-heading p {
  margin: 0;
  color: var(--ink);
  font-size: 15px;
}

.differential-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 34px 46px;
}

.feature-item {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 18px;
  align-items: start;
}

.feature-item .solution-icon,
.audience-list .solution-icon {
  width: 56px;
  height: 56px;
  margin: 0;
  background: transparent;
}

.feature-item .solution-icon svg,
.audience-list .solution-icon svg {
  width: 48px;
  height: 48px;
  stroke-width: 1.65;
}

.feature-item h3,
.audience-list strong,
.reason-card h3 {
  margin: 0 0 8px;
  color: var(--blue);
  font-size: 18px;
  line-height: 1.25;
}

.feature-item p,
.audience-list p,
.reason-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
}

.audience-section {
  padding-bottom: 78px;
}

.audience-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(300px, 0.72fr);
  gap: 64px;
  align-items: center;
}

.audience-grid h2 {
  margin-bottom: 30px;
}

.audience-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px 38px;
}

.audience-list article {
  display: grid;
  grid-template-columns: 58px minmax(0, 1fr);
  gap: 14px;
  align-items: start;
}

.audience-list strong {
  display: block;
  margin-bottom: 3px;
}

.audience-visual {
  min-height: 330px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background:
    radial-gradient(circle at 50% 20%, rgba(252, 168, 0, 0.28), transparent 34%),
    linear-gradient(145deg, rgba(0, 2, 144, 0.08), rgba(0, 2, 144, 0.02));
  overflow: hidden;
}

.audience-visual img {
  width: 100%;
  height: 100%;
  min-height: 330px;
  object-fit: cover;
  object-position: center;
}

.phone-card {
  width: min(310px, 86%);
  padding: 30px;
  border: 1px solid rgba(0, 2, 144, 0.1);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: var(--shadow);
}

.phone-card .solution-icon {
  width: 64px;
  height: 64px;
  margin-bottom: 20px;
}

.phone-card .solution-icon svg {
  width: 38px;
  height: 38px;
}

.phone-card strong {
  display: block;
  color: var(--blue);
  font-size: 19px;
  margin-bottom: 8px;
}

.phone-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.client-focus {
  padding-top: 78px;
}

.focus-content {
  max-width: 720px;
}

.focus-content p {
  max-width: 640px;
  color: var(--ink);
  font-size: 15px;
}

.focus-content .btn {
  margin-top: 8px;
}

.reason-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}

.reason-card {
  min-width: 0;
}

.reason-media {
  height: 170px;
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(0, 2, 144, 0.2), rgba(252, 168, 0, 0.28)),
    var(--soft);
  overflow: hidden;
}

.reason-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.35s ease, filter 0.35s ease;
}

.reason-card:hover .reason-media img {
  transform: scale(1.045);
  filter: saturate(1.04) contrast(1.03);
}

.reason-media .solution-icon {
  width: 78px;
  height: 78px;
  margin: 0;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 18px 35px rgba(0, 2, 80, 0.12);
}

.reason-media .solution-icon svg {
  width: 42px;
  height: 42px;
}

.reason-card h3 {
  font-size: 17px;
  color: var(--blue-900);
}

.policy-content {
  max-width: 880px;
}

.policy-content h2 {
  color: var(--blue);
  margin-top: 38px;
  font-size: 34px;
}

.auto-showcase {
  background: var(--white);
}

.auto-banner {
  position: relative;
  min-height: 230px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 220px;
  gap: 24px;
  align-items: center;
  overflow: hidden;
  padding: clamp(32px, 5vw, 54px);
  border-radius: 8px;
  background:
    radial-gradient(circle at 78% 36%, rgba(252, 168, 0, 0.2) 0 2px, transparent 2px) 0 0 / 14px 14px,
    linear-gradient(135deg, #000290 0%, #000170 58%, #02033f 100%);
  color: var(--white);
  box-shadow: 0 24px 60px rgba(0, 2, 80, 0.2);
}

.auto-banner::after {
  content: "";
  position: absolute;
  inset: 24px auto auto 32px;
  width: min(420px, 58%);
  height: 74px;
  border: 1px solid rgba(252, 168, 0, 0.36);
  border-radius: 8px;
  opacity: 0.62;
}

.auto-banner-content {
  position: relative;
  z-index: 1;
}

.auto-banner .eyebrow {
  color: rgba(255, 255, 255, 0.78);
}

.auto-banner h2 {
  max-width: 720px;
  margin: 0;
  color: var(--white);
  font-size: clamp(36px, 5vw, 62px);
  line-height: 1;
  letter-spacing: 0;
}

.auto-banner-mark {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
}

.auto-banner-mark svg {
  width: min(170px, 100%);
  color: var(--gold);
  filter: drop-shadow(0 18px 28px rgba(0, 0, 0, 0.22));
}

.auto-banner-mark path {
  fill: currentColor;
  stroke: rgba(255, 255, 255, 0.78);
  stroke-width: 2;
}

.auto-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 34px 46px;
  padding: 46px 4px 32px;
}

.auto-benefit {
  min-width: 0;
  text-align: center;
}

.auto-benefit-icon {
  display: inline-grid;
  place-items: center;
  width: 58px;
  height: 58px;
  margin: 0 auto 12px;
  border-radius: 18px;
  background: rgba(252, 168, 0, 0.12);
  color: var(--gold);
}

.auto-benefit-icon svg {
  width: 42px;
  height: 42px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.auto-benefit h3 {
  margin: 0 0 5px;
  color: var(--blue);
  font-size: 17px;
  line-height: 1.2;
}

.auto-benefit p {
  max-width: 310px;
  margin: 0 auto;
  color: #363636;
  font-size: 15px;
  line-height: 1.35;
}

.auto-whatsapp-cta {
  display: flex;
  justify-content: center;
}

.auto-form-button {
  min-width: min(100%, 360px);
  min-height: 54px;
  gap: 10px;
  border-radius: 8px;
}

.auto-form-button svg {
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
}

.insurance-insert {
  grid-column: 1 / -1;
  display: grid;
  gap: 34px;
  margin: 14px 0 10px;
}

.insurance-info-section {
  padding: clamp(34px, 5vw, 54px);
  border: 1px solid rgba(0, 2, 144, 0.08);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.section-eyebrow {
  margin: 0 0 10px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.section-title {
  max-width: 820px;
  margin: 0;
  color: var(--blue);
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.08;
  letter-spacing: 0;
}

.section-description {
  max-width: 760px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.65;
}

.insurance-card-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  margin-top: 28px;
}

.insurance-card {
  min-width: 0;
  padding: 22px;
  border: 1px solid rgba(0, 2, 144, 0.08);
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff, #f8faff);
  box-shadow: 0 14px 32px rgba(0, 2, 80, 0.07);
}

.icon-box {
  display: grid;
  place-items: center;
  width: 50px;
  height: 50px;
  margin-bottom: 16px;
  border-radius: 16px;
  background: rgba(252, 168, 0, 0.12);
  color: var(--gold);
}

.icon-box svg {
  width: 31px;
  height: 31px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.insurance-card h3,
.lai-benefits-band h3 {
  margin: 0 0 9px;
  color: var(--blue);
  font-size: 17px;
  line-height: 1.25;
}

.insurance-card p,
.lai-benefits-band p {
  margin: 0;
  color: #363636;
  font-size: 14px;
  line-height: 1.55;
}

.lai-benefits-band {
  position: relative;
  overflow: hidden;
  padding: clamp(34px, 5vw, 56px);
  border-radius: 8px;
  background:
    radial-gradient(circle at 88% 12%, rgba(252, 168, 0, 0.24), transparent 28%),
    linear-gradient(135deg, #000290, #02033f);
  color: var(--white);
  box-shadow: 0 24px 64px rgba(0, 2, 80, 0.24);
}

.lai-benefits-band::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: rgba(252, 168, 0, 0.76);
}

.lai-benefits-band .section-title,
.lai-benefits-band .section-eyebrow {
  color: var(--white);
}

.lai-benefits-band .insurance-card-grid {
  position: relative;
  z-index: 1;
}

.lai-benefits-band article {
  padding: 20px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.lai-benefits-band h3 {
  color: var(--gold);
}

.lai-benefits-band p {
  color: rgba(255, 255, 255, 0.86);
}

.lai-benefits-band .btn {
  margin-top: 28px;
}

.insurance-insert + .quote-card {
  grid-column: 1 / -1;
  width: min(520px, 100%);
  margin: 4px auto 0;
}

.footer {
  padding: 62px 0 28px;
  background:
    radial-gradient(circle at 18% 15%, rgba(252, 168, 0, 0.18), transparent 28%),
    var(--blue);
  color: var(--white);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(280px, 1.35fr) 0.58fr 0.7fr 0.92fr;
  gap: clamp(32px, 6vw, 88px);
  align-items: start;
}

.footer-logo {
  display: block;
  width: min(280px, 100%);
  height: auto;
  margin: 0 0 34px;
  filter: drop-shadow(0 14px 22px rgba(0, 0, 0, 0.18));
}

.footer-description {
  max-width: 430px;
  margin: 0 0 22px;
  color: rgba(255, 255, 255, 0.82);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 13px;
  line-height: 1.65;
}

.footer-social {
  display: flex;
  gap: 10px;
  align-items: center;
}

.footer-social-icon {
  display: inline-grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 10px 20px rgba(252, 168, 0, 0.22);
}

.footer-social-icon svg {
  width: 16px;
  height: 16px;
  stroke: currentColor;
  stroke-width: 1.8;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.footer-social-icon:first-child svg {
  fill: currentColor;
  stroke: none;
}

.footer-col h3 {
  margin: 0 0 18px;
  color: var(--white);
  font-size: 15px;
  font-weight: 900;
  line-height: 1.2;
}

.footer a {
  display: block;
  color: rgba(255, 255, 255, 0.82);
  margin: 0 0 13px;
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 13px;
  line-height: 1.35;
}

.footer a:hover {
  color: var(--gold);
}

.footer .footer-social .footer-social-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 34px;
  width: 34px;
  height: 34px;
  margin: 0;
  padding: 0;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 10px 20px rgba(252, 168, 0, 0.22);
}

.footer .footer-social .footer-social-icon:hover {
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 14px 26px rgba(252, 168, 0, 0.28);
}

.footer .footer-social .footer-social-icon svg {
  display: block;
  width: 17px;
  height: 17px;
  flex: 0 0 17px;
}

.footer .footer-social .footer-social-icon:first-child svg {
  width: 15px;
  height: 15px;
  flex-basis: 15px;
}

.footer .footer-social .footer-social-icon:first-child svg path,
.footer .footer-social .footer-social-icon:nth-child(3) svg path {
  fill: currentColor;
  stroke: none;
}

.footer .footer-social .footer-social-icon:nth-child(2) svg {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.footer-contact p {
  margin: 0 0 9px;
  color: rgba(255, 255, 255, 0.86);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 13px;
  line-height: 1.45;
}

.footer strong {
  color: var(--gold);
}

.footer-copy {
  width: min(1180px, calc(100% - 40px));
  margin: 46px auto 0;
  padding-top: 22px;
  border-top: 1px solid rgba(252, 168, 0, 0.5);
  color: rgba(255, 255, 255, 0.72);
  font-size: 12px;
  line-height: 1.5;
  text-align: center;
}

.footer-copy p {
  margin: 0;
}

.footer-copy strong {
  color: var(--white);
  font-weight: 900;
}

.footer-copy-links {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-top: 8px;
  color: rgba(255, 255, 255, 0.78);
}

.footer-copy-links a {
  display: inline;
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 12px;
  text-decoration: underline;
}

.whatsapp-float {
  position: fixed;
  right: 30px;
  bottom: var(--whatsapp-bottom, 30px);
  z-index: 120;
  display: grid;
  place-items: center;
  width: 60px;
  height: 60px;
  padding: 0;
  align-items: center;
  border: 0;
  border-radius: 50%;
  background: #25D366;
  color: var(--white);
  box-shadow: 0 16px 34px rgba(37, 211, 102, 0.32), 0 10px 28px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transform: translateZ(0);
  animation: whatsappPulse 2.8s ease-in-out infinite;
  transition: transform 0.22s ease, box-shadow 0.22s ease, background 0.22s ease;
}

.whatsapp-float::before {
  content: "";
  position: absolute;
  inset: -6px;
  border-radius: inherit;
  border: 1px solid rgba(37, 211, 102, 0.22);
}

.whatsapp-float:hover {
  background: #1ebe5d;
  box-shadow: 0 20px 42px rgba(37, 211, 102, 0.38), 0 12px 32px rgba(0, 0, 0, 0.22);
  transform: translateY(-3px) scale(1.04);
}

.whatsapp-float:focus-visible {
  outline: 3px solid rgba(252, 168, 0, 0.72);
  outline-offset: 5px;
}

.whatsapp-float__icon {
  display: block;
  width: 31px;
  height: 31px;
  color: var(--white);
}

@keyframes whatsappPulse {
  0%, 100% {
    box-shadow: 0 16px 34px rgba(37, 211, 102, 0.32), 0 10px 28px rgba(0, 0, 0, 0.2), 0 0 0 0 rgba(37, 211, 102, 0.22);
  }

  50% {
    box-shadow: 0 16px 34px rgba(37, 211, 102, 0.32), 0 10px 28px rgba(0, 0, 0, 0.2), 0 0 0 12px rgba(37, 211, 102, 0);
  }
}

.whatsapp-float.cookies-visible {
  bottom: var(--whatsapp-cookie-bottom, 150px);
}

.cookie-popup {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 44;
  display: none;
}

.cookie-inner {
  width: min(1080px, 100%);
  margin: 0 auto;
  display: flex;
  gap: 18px;
  align-items: center;
  justify-content: space-between;
  padding: 16px;
  border: 1px solid rgba(0, 2, 144, 0.1);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow);
  backdrop-filter: blur(14px);
}

.cookie-inner p {
  margin: 0;
  color: var(--muted);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 14px;
}

.cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.welcome-box {
  max-width: 760px;
  margin: 0 auto;
  padding-top: 80px;
  text-align: center;
}

.protocol {
  display: inline-block;
  margin: 14px 0 24px;
  padding: 12px 18px;
  border-radius: 8px;
  background: var(--soft);
  color: var(--blue);
  font-size: 22px;
  font-weight: 800;
}

@media (max-width: 920px) {
  .topbar {
    padding: 12px 0;
  }

  .nav {
    width: min(100% - 24px, 680px);
    min-height: 68px;
    align-items: center;
    flex-wrap: wrap;
    padding: 8px 12px 8px 18px;
    gap: 0;
    border-radius: 22px;
  }

  .nav::after {
    left: 18px;
    right: 18px;
  }

  .brand {
    min-width: 0;
  }

  .site-logo {
    height: 52px;
  }

  .topbar.is-scrolled .site-logo {
    height: 48px;
  }

  .nav-toggle {
    display: grid;
    margin-left: auto;
  }

  .nav-panel {
    width: 100%;
    max-height: 0;
    overflow: hidden;
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
    flex-basis: 100%;
    opacity: 0;
    transition: max-height 0.28s ease, opacity 0.24s ease, padding 0.24s ease;
  }

  .topbar.nav-open .nav-panel {
    max-height: 560px;
    padding: 16px 0 10px;
    opacity: 1;
  }

  .menu {
    width: 100%;
    display: grid;
    gap: 2px;
    overflow: visible;
    padding: 0;
    font-size: 15px;
  }

  .menu a,
  .dropbtn {
    width: 100%;
    justify-content: space-between;
    padding: 12px 4px;
  }

  .menu a:not(.btn)::after,
  .dropbtn::after {
    left: 4px;
    right: auto;
    width: 46px;
    bottom: 8px;
  }

  .nav-actions {
    width: 100%;
    display: grid;
    gap: 10px;
    margin-top: 14px;
  }

  .nav-login {
    justify-content: flex-start;
    min-height: 38px;
    padding: 9px 4px;
    font-size: 14px;
  }

  .nav-quote {
    width: 100%;
    min-height: 44px;
    padding: 11px 18px;
    font-size: 14px;
  }

  .dropdown-menu {
    position: static;
    min-width: 0;
    margin: 0 0 8px;
    padding: 8px;
    box-shadow: none;
    border-radius: 12px;
    background: var(--soft);
  }

  .hero-grid, .split, .footer-grid {
    grid-template-columns: 1fr;
  }

  .insurance-hero-grid > .quote-card {
    max-width: 100%;
    justify-self: stretch;
  }

  .differential-grid,
  .audience-grid,
  .reason-grid,
  .auto-benefits-grid {
    grid-template-columns: 1fr;
  }

  .insurance-card-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .auto-banner {
    grid-template-columns: 1fr;
    min-height: 0;
  }

  .auto-banner::after {
    width: calc(100% - 48px);
  }

  .auto-banner-mark {
    justify-content: start;
  }

  .auto-banner-mark svg {
    width: 110px;
  }

  .audience-list {
    grid-template-columns: 1fr 1fr;
  }

  .hero-grid {
    padding-top: 150px;
  }

  .cards {
    grid-template-columns: 1fr;
  }

  .cookie-inner {
    align-items: stretch;
    flex-direction: column;
  }

  .whatsapp-float {
    right: 18px;
    bottom: var(--whatsapp-bottom, 22px);
    width: 56px;
    height: 56px;
  }

  .whatsapp-float__icon {
    width: 29px;
    height: 29px;
  }
}

@media (max-width: 560px) {
  .container {
    width: min(100% - 28px, 1180px);
  }

  .section {
    padding: 72px 0;
  }

  .hero h1, .page-hero h1 {
    font-size: 42px;
  }

  .quote-card {
    padding: 22px;
  }

  .section-heading {
    text-align: left;
  }

  .section-heading span {
    margin-left: 0;
  }

  .audience-list {
    grid-template-columns: 1fr;
  }

  .insurance-card-grid {
    grid-template-columns: 1fr;
  }

  .feature-item {
    grid-template-columns: 52px minmax(0, 1fr);
  }

  .btn {
    width: 100%;
  }
}