:root {
  --orange: #f07d00;
  --blue: #36b7eb;
  --ink: #18212f;
  --muted: #5f6b7a;
  --line: #e7edf3;
  --soft: #f7fafc;
  --cream: #fff7ec;
  --white: #ffffff;
  --shadow: 0 18px 60px rgba(24, 33, 47, .10);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Plus Jakarta Sans", Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.nav {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.logo img { width: 188px; height: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  color: #334155;
  font-weight: 700;
  font-size: 15px;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] { color: var(--orange); }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border-radius: 6px;
  border: 1px solid var(--blue);
  background: var(--blue);
  color: white;
  font-weight: 800;
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}

.button:hover {
  transform: translateY(-1px);
  background: var(--orange);
  border-color: var(--orange);
}

.button.secondary {
  background: var(--orange);
  border-color: var(--orange);
}

.button.secondary:hover {
  background: var(--blue);
  border-color: var(--blue);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: white;
  color: var(--ink);
  font-size: 24px;
}

.hero {
  min-height: 680px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 82% 20%, rgba(54,183,235,.08), transparent 34%),
    radial-gradient(circle at 14% 88%, rgba(240,125,0,.16), transparent 32%),
    linear-gradient(135deg, var(--cream) 0%, #fffaf4 58%, #f8fbff 100%);
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 120px;
  background: linear-gradient(to bottom, rgba(255,255,255,0), #fff);
}

.island-cloud {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
}

.island {
  position: absolute;
  object-fit: contain;
  opacity: .11;
  mix-blend-mode: multiply;
  filter: sepia(.22) saturate(.75);
}

.island-two {
  top: 155px;
  right: max(38px, calc(50% - 610px));
  width: 250px;
  height: 250px;
  transform: rotate(9deg);
  animation: island-float-two 9s ease-in-out infinite;
}

.hero-mark {
  position: absolute;
  width: 92px;
  height: 92px;
  fill: none;
  stroke: var(--ink);
  stroke-width: 4;
  stroke-linecap: round;
  stroke-linejoin: round;
  opacity: .075;
  mix-blend-mode: multiply;
}

.mark-shield {
  top: 150px;
  left: max(48px, calc(50% - 600px));
  transform: rotate(-9deg);
  animation: mark-float-one 8s ease-in-out infinite;
}

.mark-umbrella {
  top: 360px;
  left: max(92px, calc(50% - 500px));
  width: 104px;
  height: 104px;
  opacity: .06;
  transform: rotate(8deg);
  animation: mark-float-two 9s ease-in-out infinite;
}

.mark-policy {
  top: 132px;
  right: max(360px, calc(50% - 260px));
  width: 74px;
  height: 74px;
  opacity: .055;
  transform: rotate(12deg);
  animation: mark-float-three 7s ease-in-out infinite;
}

.hero-content {
  position: relative;
  z-index: 1;
  width: min(1100px, calc(100% - 40px));
  margin: 0 auto;
  padding: 108px 0 44px;
  color: var(--ink);
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.eyebrow {
  margin: 0 0 18px;
  color: var(--orange);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: 13px;
}

h1, h2, h3 { margin: 0; line-height: 1.1; }

h1 {
  font-size: clamp(36px, 4vw, 56px);
  max-width: 1100px;
}

h1 span {
  display: block;
  white-space: nowrap;
}

h2 {
  font-size: clamp(32px, 5vw, 54px);
  letter-spacing: 0;
}

h3 { font-size: 22px; }

.hero p {
  margin: 26px 0 34px;
  max-width: 900px;
  font-size: 17px;
  color: var(--muted);
  white-space: nowrap;
}

.hero-cue {
  width: 42px;
  height: 54px;
  display: grid;
  gap: 2px;
  margin-top: 34px;
  justify-items: center;
}

.hero-cue span {
  width: 22px;
  height: 22px;
  border-right: 3px solid var(--blue);
  border-bottom: 3px solid var(--blue);
  transform: rotate(45deg);
  opacity: .35;
  animation: cue-down 1.8s ease-in-out infinite;
}

.hero-cue span:nth-child(2) { animation-delay: .18s; }
.hero-cue span:nth-child(3) { animation-delay: .36s; }

.partner-marquee {
  position: relative;
  z-index: 1;
  width: min(1120px, calc(100% - 40px));
  margin: 24px auto 120px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 8px;
  background: rgba(255,255,255,.96);
  box-shadow: 0 24px 70px rgba(24,33,47,.10);
}

.partner-marquee::before,
.partner-marquee::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  z-index: 2;
  width: 110px;
  pointer-events: none;
}

.partner-marquee::before {
  left: 0;
  background: linear-gradient(90deg, rgba(255,255,255,1), rgba(255,255,255,0));
}

.partner-marquee::after {
  right: 0;
  background: linear-gradient(270deg, rgba(255,255,255,1), rgba(255,255,255,0));
}

.marquee-track {
  display: flex;
  align-items: center;
  width: max-content;
  animation: partner-scroll 42s linear infinite;
}

.marquee-group {
  display: flex;
  align-items: center;
  gap: 28px;
  flex: 0 0 auto;
  padding: 20px 14px;
}

.logo-tile {
  width: 190px;
  height: 92px;
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: 0 10px 24px rgba(15, 23, 42, .06);
}

.logo-tile img {
  width: 150px;
  height: 62px;
  object-fit: contain;
  filter: saturate(.92);
}

.partner-marquee:hover .marquee-track {
  animation-play-state: paused;
}

@keyframes partner-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

@keyframes cue-down {
  0%, 100% {
    opacity: .18;
    transform: translateY(-5px) rotate(45deg);
  }
  45% {
    opacity: 1;
    transform: translateY(5px) rotate(45deg);
  }
}

@keyframes island-float-two {
  0%, 100% { transform: translate3d(0, 0, 0) rotate(9deg); }
  50% { transform: translate3d(-12px, 10px, 0) rotate(6deg); }
}

@keyframes mark-float-one {
  0%, 100% { transform: translate3d(0, 0, 0) rotate(-9deg); }
  50% { transform: translate3d(8px, -7px, 0) rotate(-5deg); }
}

@keyframes mark-float-two {
  0%, 100% { transform: translate3d(0, 0, 0) rotate(8deg); }
  50% { transform: translate3d(-7px, 8px, 0) rotate(11deg); }
}

@keyframes mark-float-three {
  0%, 100% { transform: translate3d(0, 0, 0) rotate(12deg); }
  50% { transform: translate3d(5px, -6px, 0) rotate(16deg); }
}

.section { padding: 96px 0; }

.section-intro {
  max-width: 760px;
  margin: 0 auto 42px;
  text-align: center;
}

.section-intro p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
}

.insurance-section {
  background: white;
}

.insurance-section .section-intro {
  max-width: 1120px;
}

.insurance-section h2 {
  font-size: clamp(32px, 3.7vw, 48px);
  white-space: nowrap;
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.insurance-card {
  min-height: 235px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: 0 10px 34px rgba(15, 23, 42, .05);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.insurance-card:hover {
  transform: translateY(-4px);
  border-color: rgba(54,183,235,.45);
  box-shadow: 0 18px 48px rgba(15, 23, 42, .10);
}

.insurance-icon {
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  border-radius: 50%;
  background: var(--cream);
  color: var(--orange);
}

.insurance-icon svg {
  width: 34px;
  height: 34px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.insurance-card p {
  color: var(--muted);
  font-size: 16px;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, .9fr);
  gap: 72px;
  align-items: center;
}

.section p {
  color: var(--muted);
  font-size: 18px;
}

.visual-panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 28px;
  background: white;
  box-shadow: var(--shadow);
}

.why-section {
  background: var(--soft);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.why-item {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
}

.why-item strong {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 20px;
  border-radius: 50%;
  background: var(--blue);
  color: white;
  font-size: 14px;
}

.why-item p {
  color: var(--muted);
  font-size: 15px;
}

.process {
  background: var(--blue);
  color: white;
}

.process .section-head {
  text-align: center;
  margin-bottom: 54px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  position: relative;
}

.steps::before {
  content: "";
  position: absolute;
  top: 58px;
  left: calc(12.5% + 56px);
  right: calc(12.5% + 56px);
  height: 2px;
  background: rgba(255,255,255,.34);
}

.steps::after {
  content: "";
  position: absolute;
  top: 52px;
  left: calc(12.5% + 50px);
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: white;
  box-shadow: 0 0 0 8px rgba(255,255,255,.16);
  animation: progress-dot 5s ease-in-out infinite;
}

.step {
  position: relative;
  z-index: 1;
  min-height: 295px;
  padding: 28px;
  border-radius: 8px;
  background: rgba(255,255,255,.13);
  border: 1px solid rgba(255,255,255,.22);
}

.step:not(:last-child)::after {
  display: none;
}

@keyframes progress-dot {
  0%, 12% { left: calc(12.5% + 50px); }
  29%, 41% { left: calc(37.5% + 50px); }
  58%, 70% { left: calc(62.5% + 50px); }
  87%, 100% { left: calc(87.5% - 64px); }
}

.step-number {
  width: 58px;
  height: 58px;
  display: grid;
  place-items: center;
  margin-bottom: 24px;
  border-radius: 50%;
  background: var(--orange);
  font-size: 20px;
  font-weight: 900;
}

.step p {
  color: rgba(255,255,255,.88);
  font-size: 15px;
}

.check-list {
  margin: 34px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 18px;
}

.check-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  color: #334155;
  font-size: 18px;
  font-weight: 700;
}

.check-list img {
  width: 26px;
  flex: 0 0 26px;
  margin-top: 2px;
}

.partners {
  background: var(--soft);
  padding: 76px 0;
}

.partner-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.partner {
  min-height: 118px;
  display: grid;
  place-items: center;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  color: #475569;
  text-align: center;
  font-weight: 900;
  box-shadow: 0 8px 30px rgba(15, 23, 42, .04);
}

.page-hero {
  padding: 92px 0;
  background: var(--soft);
  border-bottom: 1px solid var(--line);
}

.page-hero p {
  max-width: 720px;
  color: var(--muted);
  font-size: 20px;
}

.content {
  max-width: 900px;
  padding: 74px 0 96px;
}

.content h2 { font-size: 34px; margin: 0 0 18px; }
.content h3 { margin: 32px 0 8px; }
.content p, .content li { color: var(--muted); font-size: 17px; }
.content a { color: var(--orange); font-weight: 800; }

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.contact-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 28px;
  background: white;
  box-shadow: 0 8px 30px rgba(15, 23, 42, .04);
}

.final-cta {
  background: var(--cream);
}

.cta-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 36px;
  align-items: center;
  padding: 42px;
  border: 1px solid rgba(240,125,0,.18);
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow);
}

.cta-panel p:not(.eyebrow) {
  max-width: 680px;
  color: var(--muted);
  font-size: 18px;
}

.cta-actions {
  display: grid;
  gap: 12px;
  justify-items: start;
}

.text-link {
  color: var(--ink);
  font-weight: 800;
}

.text-link:hover {
  color: var(--orange);
}

.site-footer {
  background: white;
  color: var(--ink);
  border-top: 1px solid var(--line);
  padding: 72px 0 34px;
}

.footer-top {
  display: grid;
  grid-template-columns: minmax(280px, 1fr) minmax(260px, .7fr) minmax(260px, .7fr);
  gap: 52px;
  padding-bottom: 44px;
  border-bottom: 1px solid var(--line);
}

.footer-logo {
  width: 190px;
  margin-bottom: 20px;
}

.site-footer p,
.site-footer li,
.site-footer a {
  color: var(--muted);
}

.site-footer ul {
  margin: 14px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 10px;
}

.site-footer h3 { font-size: 18px; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding-top: 28px;
  color: var(--muted);
  font-size: 14px;
}

@media (max-width: 920px) {
  .nav-links,
  .nav .button { display: none; }
  .menu-toggle { display: block; }
  .nav.is-open {
    align-items: flex-start;
    padding: 18px 0;
  }
  .nav.is-open .nav-links {
    display: grid;
    position: absolute;
    left: 20px;
    right: 20px;
    top: 72px;
    padding: 20px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: white;
    box-shadow: var(--shadow);
  }
  .split,
  .footer-top,
  .contact-grid,
  .cta-panel { grid-template-columns: 1fr; }
  .steps,
  .partner-grid,
  .insurance-grid,
  .why-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .step:not(:last-child)::after { display: none; }
  .island-two {
    right: -72px;
    opacity: .065;
  }
  .mark-shield {
    left: -20px;
    opacity: .045;
  }
  .mark-umbrella {
    left: 18px;
    opacity: .04;
  }
  .mark-policy { display: none; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 28px, 1120px); }
  .hero { min-height: 590px; }
  .hero-content { padding: 76px 0 28px; }
  h1 span { white-space: normal; }
  .hero p { white-space: normal; }
  .insurance-section h2 { white-space: normal; }
  .partner-marquee {
    width: calc(100% - 28px);
    margin: 12px auto 86px;
  }
  .partner-marquee::before,
  .partner-marquee::after { width: 54px; }
  .marquee-group {
    gap: 16px;
    padding: 14px 8px;
  }
  .logo-tile {
    width: 146px;
    height: 72px;
  }
  .logo-tile img {
    width: 116px;
    height: 48px;
  }
  h1 { font-size: 42px; }
  h2 { font-size: 34px; }
  .section { padding: 68px 0; }
  .insurance-grid,
  .why-grid { grid-template-columns: 1fr; }
  .cta-panel { padding: 28px; }
  .steps,
  .partner-grid { grid-template-columns: 1fr; }
  .footer-bottom { display: grid; }
}