:root{--navy:#102b45;--navy-2:#0a1d2f;--red:#b42318;--red-2:#8f1b13;--gold:#d69f2d;--cream:#f7f3ec;--ink:#1d2939;--muted:#667085;--line:#e4e7ec;--white:#fff;--green:#237a57;--shadow:0 18px 50px rgba(16,43,69,.14)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:#fff;line-height:1.6}img{max-width:100%;display:block}a{color:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:20px;top:20px;z-index:999;background:#fff;padding:12px}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(228,231,236,.9)}.nav-wrap{height:86px;display:flex;align-items:center;gap:28px}.brand img{width:190px;height:64px;object-fit:contain}.primary-nav{display:flex;gap:24px;margin-left:auto}.primary-nav a,.phone-link{text-decoration:none;font-weight:700;color:var(--navy)}.primary-nav a:hover{color:var(--red)}.nav-actions{display:flex;align-items:center;gap:18px}.menu-toggle{display:none}
.button{display:inline-flex;align-items:center;justify-content:center;background:var(--red);color:#fff;text-decoration:none;border:0;border-radius:10px;padding:15px 22px;font-weight:800;cursor:pointer;transition:.2s}.button:hover{background:var(--red-2);transform:translateY(-1px)}.button-small{padding:11px 16px}.button-secondary{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.5)}.button-light{background:#fff;color:var(--navy)}.button-dark{background:var(--navy)}.button-full{width:100%}
.hero{position:relative;background:radial-gradient(circle at 78% 22%,rgba(214,159,45,.22),transparent 28%),linear-gradient(135deg,#081d2f 0%,#102b45 58%,#183b59 100%);min-height:740px;overflow:hidden}.hero:after{content:'';position:absolute;width:520px;height:520px;border:1px solid rgba(255,255,255,.08);border-radius:50%;right:-140px;top:-180px;box-shadow:0 0 0 80px rgba(255,255,255,.025),0 0 0 160px rgba(255,255,255,.018)}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,29,47,.28),rgba(8,29,47,0))}.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;padding:76px 0;align-items:center}.hero-copy{color:#fff;max-width:680px}.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--red);margin-bottom:12px}.eyebrow.light{color:#f6c564}.hero h1,.section h2,.final-cta h2{font-family:"Libre Franklin",sans-serif;line-height:1.06;margin:0 0 20px}.hero h1{font-size:clamp(2.7rem,5vw,5.2rem);letter-spacing:-.04em}.hero-copy>p{font-size:1.2rem;max-width:650px;color:#e7edf2}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0}.trust-row{display:flex;gap:14px;flex-wrap:wrap}.trust-row span{border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:7px 13px;font-weight:700}
.quote-card{background:#fff;border-radius:20px;padding:30px;box-shadow:0 30px 80px rgba(0,0,0,.25)}.quote-card h2{font-size:2rem;margin:2px 0 6px;color:var(--navy)}.quote-card-header p{margin-top:0;color:var(--muted)}.quote-kicker{font-size:.78rem;text-transform:uppercase;font-weight:800;letter-spacing:.12em;color:var(--green)}form{display:grid;gap:14px}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}label,legend{font-size:.9rem;font-weight:700;color:#344054}input,select,textarea{width:100%;margin-top:6px;border:1px solid #cfd5dd;border-radius:9px;padding:12px;font:inherit;color:var(--ink);background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid rgba(180,35,24,.13);border-color:var(--red)}fieldset{border:0;padding:0;margin:0}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:8px}.choice{display:flex;align-items:center;gap:8px;padding:10px;border:1px solid var(--line);border-radius:9px}.choice input,.consent input{width:auto;margin:0}.choice.wide{grid-column:1/-1}.consent{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:.75rem;line-height:1.4}.form-note,.form-status{font-size:.78rem;color:var(--muted);margin:0;text-align:center}.form-status.error{color:#b42318}.form-status.success{color:#067647}.hp{position:absolute!important;left:-9999px!important}
.value-strip{background:var(--cream);border-bottom:1px solid #e9e2d8}.value-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:28px 0;gap:28px}.value-grid div{display:grid}.value-grid strong{color:var(--navy);font-size:1rem}.value-grid span{color:var(--muted);font-size:.9rem}.section{padding:92px 0}.section-heading{max-width:720px;margin-bottom:42px}.section-heading.centered{text-align:center;margin-left:auto;margin-right:auto}.section h2{font-size:clamp(2.1rem,3.5vw,3.5rem);color:var(--navy)}.section-heading p{color:var(--muted);font-size:1.08rem}.coverage-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.coverage-card{border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:0 10px 30px rgba(16,43,69,.06);transition:.2s}.coverage-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.coverage-card h3{color:var(--navy);font-size:1.3rem}.coverage-card p,.coverage-card li{color:var(--muted)}.coverage-card ul{padding-left:20px}.coverage-card a{font-weight:800;color:var(--red);text-decoration:none}.card-icon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:800}.section-dark{background:var(--navy-2);color:#fff}.section-dark h2{color:#fff}.section-dark p{color:#d2dce5}.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.check-list{display:grid;gap:18px;margin:28px 0}.check-list div{display:grid;padding-left:36px;position:relative}.check-list div:before{content:'✓';position:absolute;left:0;color:#f6c564;font-size:1.2rem;font-weight:800}.check-list span{color:#b8c5d1}.image-panel img{border-radius:20px;box-shadow:0 28px 70px rgba(0,0,0,.35)}.resource-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.resource-grid article{padding:28px;border-radius:16px;background:#f8fafc;border-left:4px solid var(--red)}.resource-grid article>span{font-size:.8rem;font-weight:800;color:var(--red)}.resource-grid h3{color:var(--navy);margin:8px 0}.resource-grid p{color:var(--muted);margin:0}.accent-section{background:#efd59a}.bundle-grid{display:grid;grid-template-columns:1fr auto;align-items:center;gap:40px}.accent-section h2{max-width:760px}.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:start}.about-grid>div:first-child p{font-size:1.08rem;color:var(--muted)}.contact-panel{background:var(--cream);border-radius:18px;padding:30px}.contact-panel h3{color:var(--navy);font-size:1.5rem}.contact-panel a:not(.button){color:var(--red);font-weight:800}.final-cta{background:linear-gradient(135deg,var(--red),#7c1712);color:#fff;padding:70px 0}.final-grid{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.final-cta h2{font-size:clamp(2.2rem,4vw,4rem)}.final-actions{display:flex;gap:14px;flex-wrap:wrap}.site-footer{background:#081624;color:#d4dee8;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:38px}.footer-grid img{width:185px;border-radius:8px}.footer-grid h3{color:#fff}.footer-grid a,.footer-grid span{display:block;text-decoration:none;margin:6px 0;color:#c2cfda}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #263b4c;margin-top:38px;padding-top:20px;font-size:.8rem}.mobile-bar{display:none}
@media(max-width:980px){.primary-nav,.phone-link{display:none}.menu-toggle{display:block;margin-left:auto;border:1px solid var(--line);background:#fff;padding:9px 12px;border-radius:8px}.primary-nav.open{display:flex;position:absolute;left:0;right:0;top:86px;background:#fff;padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}.hero-grid,.split-grid,.about-grid{grid-template-columns:1fr}.hero{min-height:auto}.hero-overlay{background:rgba(8,29,47,.88)}.coverage-grid{grid-template-columns:1fr 1fr}.value-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.bundle-grid,.final-grid{grid-template-columns:1fr}.nav-actions .button{display:none}}
@media(max-width:640px){.container{width:min(100% - 28px,1180px)}.nav-wrap{height:74px}.brand img{width:145px;height:52px}.primary-nav.open{top:74px}.hero-grid{padding:50px 0 70px;gap:34px}.hero h1{font-size:2.75rem}.hero-copy>p{font-size:1.05rem}.hero-actions{display:grid}.quote-card{padding:22px;border-radius:16px}.field-row,.coverage-grid,.resource-grid,.value-grid,.footer-grid{grid-template-columns:1fr}.section{padding:68px 0}.section h2{font-size:2.2rem}.choice-grid{grid-template-columns:1fr}.choice.wide{grid-column:auto}.footer-bottom{flex-direction:column}.site-footer{padding-bottom:82px}.mobile-bar{display:grid;position:fixed;bottom:0;left:0;right:0;z-index:120;grid-template-columns:1fr 1fr;box-shadow:0 -8px 28px rgba(0,0,0,.18)}.mobile-bar a{text-align:center;padding:14px;text-decoration:none;font-weight:800;color:#fff;background:var(--navy)}.mobile-bar a:last-child{background:var(--red)}}

.quote-focus-panel{background:#fff;color:var(--ink);border-radius:22px;padding:34px;box-shadow:0 28px 70px rgba(0,0,0,.28)}
.quote-focus-panel .panel-kicker{display:block;color:var(--red);font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:.76rem;margin-bottom:8px}
.quote-focus-panel h3{font-family:"Libre Franklin",sans-serif;color:var(--navy);font-size:2rem;line-height:1.15;margin:0 0 18px}
.quote-focus-panel ul{padding-left:22px;margin:0 0 24px}
.quote-focus-panel li{margin:10px 0;color:#475467}
.quote-focus-panel p{text-align:center!important;color:var(--muted)!important;font-size:.82rem;margin:12px 0 0}
.coverage-card ul{margin-bottom:22px}
.coverage-card li{margin:7px 0}
@media(max-width:980px){.coverage-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.coverage-grid{grid-template-columns:1fr}}

/* Compact hero and quote layout — v4 */
@media(min-width:981px){
  .hero{min-height:620px}
  .hero-grid{grid-template-columns:1fr .92fr;gap:38px;padding:42px 0;align-items:center}
  .hero-copy{max-width:610px}
  .hero h1{font-size:clamp(2.8rem,4.2vw,4.25rem);margin-bottom:16px}
  .hero-copy>p{font-size:1.08rem;line-height:1.55}
  .hero-actions{margin:22px 0}
  .quote-card{padding:22px 24px;border-radius:16px}
  .quote-card h2{font-size:1.55rem;margin-bottom:3px}
  .quote-card-header p{font-size:.88rem;margin-bottom:10px}
  .quote-kicker{font-size:.7rem}
  form{gap:9px}
  .field-row{gap:10px}
  .field-row-three{grid-template-columns:1.35fr .7fr .8fr}
  label,legend{font-size:.8rem}
  input,select,textarea{margin-top:4px;padding:9px 10px;border-radius:8px}
  .choice-grid{gap:6px;margin-top:5px}
  .choice{padding:7px 9px;font-size:.8rem}
  .consent{font-size:.66rem;line-height:1.3}
  .button-full{padding:11px 18px}
  .form-note{font-size:.68rem}
}
@media(max-width:980px){.field-row-three{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:640px){.field-row-three{grid-template-columns:1fr}.hero h1{font-size:2.45rem}.hero-grid{padding:40px 0 56px}}