[hidden]{display:none!important}
/* Layout: brand header, two-column hero (pitch + 3-step quote form), trust strip, how-it-works, CTA band, dark footer. Single light theme by design, taken from the logo. */
:root{
  --navy:#0E3B8C; --navy-deep:#0A2559; --sky:#1C8FE6; --sky-soft:#E8F3FD;
  --green:#2FA84F; --green-deep:#1E8A3D; --green-soft:#EAF7EE;
  --ink:#14213D; --muted:#5A6782; --line:#DCE4F0; --paper:#FFFFFF; --mist:#F5F8FC;
  --foot:#0B1A36; --foot-ink:#C9D4E8; --foot-line:#1F2F52;
  --display:"Lexend","Segoe UI",system-ui,sans-serif;
  --body:"Figtree","Segoe UI",system-ui,-apple-system,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
body{background:var(--paper);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.55;margin:0}
a{color:inherit}
h1,h2,h3{font-family:var(--display);text-wrap:balance;margin:0;color:var(--ink)}
p{margin:0}
.wrap{max-width:1160px;margin:0 auto;padding-inline:20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px;border-radius:6px}

/* top bar + header */
.topbar{background:var(--navy);color:#fff;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-block:7px}
.topbar a{text-decoration:none;font-weight:600}
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}
.brand img{height:40px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:4px;flex-wrap:wrap}
nav.main a{font-size:14px;font-weight:500;text-decoration:none;padding:7px 9px;border-radius:8px;color:var(--ink)}
nav.main a:hover{background:var(--mist)}
nav.main a.on{color:var(--navy);font-weight:700}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--body);font-weight:700;font-size:15px;border:0;border-radius:10px;padding:12px 20px;cursor:pointer;text-decoration:none;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-deep)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-white{background:#fff;color:var(--navy)}
nav.main .btn{padding:9px 16px;font-size:14px;color:#fff}
nav.main .btn:hover{background:var(--green-deep)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;cursor:pointer;color:var(--ink)}
@media (max-width:940px){
  .menu-btn{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 16px 16px}
  nav.main.open{display:flex}
  header.site .wrap{position:relative}
}

/* hero */
.hero{background:radial-gradient(900px 420px at 85% 0%,var(--sky-soft),transparent 70%),linear-gradient(180deg,#fff, var(--mist));padding-block:56px 64px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.hero .wrap>*{min-width:0}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.pill{display:inline-flex;align-items:center;gap:6px;background:var(--green-soft);color:var(--green-deep);font-size:12.5px;font-weight:700;letter-spacing:.02em;padding:6px 12px;border-radius:999px}
.hero h1{font-size:clamp(34px,5vw,52px);line-height:1.07;letter-spacing:-.02em;margin-top:16px}
.hero h1 em{font-style:normal;color:var(--green)}
.lede{font-size:18px;color:var(--muted);margin-top:16px;max-width:56ch}
.free-note{margin-top:20px;background:var(--green-soft);border:1px solid #CBEBD4;border-radius:12px;padding:12px 16px;font-size:14px}
.free-note b{color:var(--green-deep)}
.call-row{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:22px}
.call-row .btn{font-size:17px;padding:14px 24px}
.call-row small{color:var(--muted)}
.consent{margin-top:20px;font-size:12px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;line-height:1.6}
.trust-list{display:grid;gap:10px;margin-top:18px}
.trust-item{display:flex;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.trust-item svg{flex:none;color:var(--green)}
.trust-item b{display:block;font-size:14px}
.trust-item span{font-size:12.5px;color:var(--muted)}

/* quote card */
.quote{background:#fff;border-radius:18px;box-shadow:0 24px 60px -24px rgba(14,59,140,.35),0 2px 6px rgba(14,59,140,.06);overflow:hidden;border:1px solid var(--line)}
.quote-head{background:linear-gradient(120deg,var(--navy),var(--sky));color:#fff;padding:22px 24px 18px}
.quote-head h2{color:#fff;font-size:19px;font-weight:600}
.bars{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-top:14px}
.bars i{height:5px;border-radius:5px;background:rgba(255,255,255,.3);transition:background .3s}
.bars i.on{background:#fff}
.quote-head small{display:block;margin-top:8px;font-size:12px;opacity:.9}
.quote-body{padding:22px 24px 24px}
.q-label{font-weight:600;margin-bottom:14px}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
@media (max-width:420px){.types{grid-template-columns:repeat(2,1fr)}}
.type{display:flex;flex-direction:column;align-items:center;gap:6px;padding:16px 8px;border:1.5px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;font:600 14px var(--body);color:var(--ink);transition:border-color .15s,background .15s}
.type svg{color:var(--navy)}
.type:hover{border-color:var(--sky)}
.type[aria-pressed="true"]{border-color:var(--green);background:var(--green-soft)}
.type[aria-pressed="true"] svg{color:var(--green-deep)}
.field{display:grid;gap:6px;margin-bottom:12px}
.field label{font-size:13px;font-weight:600}
.field input,.field select{font:15px var(--body);padding:11px 12px;border:1.5px solid var(--line);border-radius:10px;width:100%;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{border-color:var(--sky);outline:none}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:420px){.row2{grid-template-columns:1fr}}
.err{color:#B42318;font-size:13px;min-height:18px}
.q-actions{display:flex;gap:10px;margin-top:8px}
.q-actions .btn{flex:1}
.btn-ghost{background:var(--mist);color:var(--ink)}
.btn:disabled{background:#D5DCE7;color:#fff;cursor:not-allowed;transform:none}
.q-foot{text-align:center;font-size:12px;color:var(--muted);margin-top:14px}
.q-tcpa{font-size:11px;color:var(--muted);line-height:1.5;margin-top:10px}
.done{text-align:center;padding:12px 4px}
.done .tick{width:60px;height:60px;border-radius:50%;background:var(--green-soft);color:var(--green);display:grid;place-items:center;margin:0 auto 12px}
.done h3{font-size:20px}
.done p{color:var(--muted);margin-top:8px}

/* sections */
section{padding-block:64px}
.center{text-align:center}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-deep)}
.sec-title{font-size:clamp(26px,3.4vw,36px);margin-top:6px}
.sec-sub{color:var(--muted);margin:10px auto 0;max-width:60ch}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:8px}
@media (max-width:760px){.features{grid-template-columns:1fr}}
.feature{text-align:center;padding:8px 12px}
.feature .ic{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;margin:0 auto 12px}
.feature h3{font-size:17px;font-weight:600}
.feature p{color:var(--muted);font-size:14.5px;margin-top:4px}
.cover-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:32px}
@media (max-width:900px){.cover-grid{grid-template-columns:repeat(2,1fr)}}
.cover{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 16px;text-align:left;cursor:pointer;font:inherit;color:inherit;transition:border-color .15s,box-shadow .15s}
.cover:hover{border-color:var(--sky);box-shadow:0 10px 24px -16px rgba(14,59,140,.5)}
.cover svg{color:var(--sky)}
.cover h3{font-size:16px;margin-top:10px;font-weight:600}
.cover p{font-size:13px;color:var(--muted);margin-top:4px}
.how{background:var(--mist)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:36px;position:relative}
@media (max-width:760px){.steps{grid-template-columns:1fr}}
.step{text-align:center}
.step .num{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;margin:0 auto 12px;font:700 20px var(--display)}
.step .k{font-size:12px;font-weight:700;color:var(--green-deep);letter-spacing:.08em;text-transform:uppercase}
.step h3{font-size:19px;margin-top:4px}
.step p{color:var(--muted);font-size:14.5px;max-width:32ch;margin:6px auto 0}
.cta{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 55%,var(--sky));color:#fff;border-radius:22px;padding:44px 24px;text-align:center}
.cta h2{color:#fff;font-size:clamp(24px,3.2vw,32px)}
.cta p{opacity:.9;margin-top:8px}
.cta .btn{margin-top:22px;font-size:18px;padding:14px 28px}
.disc-box{border:1px solid var(--line);border-radius:12px;background:var(--mist);padding:16px 18px;font-size:12.5px;color:var(--muted);margin-top:20px;text-align:center;line-height:1.6}

/* inner pages */
.page-hero{background:linear-gradient(180deg,var(--sky-soft),#fff);padding-block:48px 24px}
.page-hero h1{font-size:clamp(30px,4vw,42px)}
.page-hero p{color:var(--muted);margin-top:8px}
.prose{max-width:760px;padding-block:24px 64px}
.prose h2{font-size:21px;margin:28px 0 8px}
.prose p,.prose li{color:#334166;margin-bottom:10px}
.prose ul{padding-left:20px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}
.faq summary{font-weight:600;cursor:pointer}
.faq details p{margin-top:10px}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:8px}
@media (max-width:760px){.contact-grid{grid-template-columns:1fr}}
.c-card{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff}
.c-card b{display:block;font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.c-card span{display:block;font-weight:600;margin-top:6px;overflow-wrap:anywhere}
.placeholder{background:#FFF6DB;color:#7A5A00;border-radius:4px;padding:0 4px}

/* footer */
footer{background:var(--foot);color:var(--foot-ink);padding-block:52px 28px;font-size:14px}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}
@media (max-width:860px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.f-grid{grid-template-columns:1fr}}
.f-grid>*{min-width:0}
.f-brand{display:flex;align-items:center;gap:10px}
.f-brand .tile{background:#fff;border-radius:10px;padding:5px;display:grid;place-items:center}
.f-brand .tile img{width:34px;height:auto;display:block}
.f-brand strong{font-family:var(--display);color:#fff;font-size:19px;letter-spacing:-.01em}
.f-brand strong em{font-style:normal;color:#5DD27E}
footer h4{color:#fff;font-family:var(--display);font-size:15px;margin:0 0 12px;font-weight:600}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
footer a{text-decoration:none}
footer a:hover{color:#fff}
.f-legal{margin-top:36px;border-top:1px solid var(--foot-line);padding-top:24px}
.f-legal .box{background:#122448;border-radius:12px;padding:18px 20px;font-size:12.5px;line-height:1.65}
.f-legal .box p+p{margin-top:10px}
.f-legal b{color:#fff}
.copy{text-align:center;font-size:12.5px;margin-top:22px;opacity:.8}

@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* providers */
.providers{background:var(--mist);padding-block:64px}
.prov-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:32px;max-width:960px;margin-inline:auto}
@media (max-width:760px){.prov-grid{grid-template-columns:repeat(2,1fr)}}
.prov{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 12px;font-weight:600;font-size:14.5px;color:var(--navy);display:grid;place-items:center;min-height:62px;text-align:center}
.tm-note{max-width:760px;margin:24px auto 0;text-align:left;font-size:12.5px;color:var(--muted);background:#fff;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:10px;padding:14px 16px;line-height:1.6}
.tm-note b{color:var(--ink)}