:root {
    --navy-950: #071a30;
    --navy-900: #0b2545;
    --navy-800: #153657;
    --navy-700: #264d70;
    --teal-700: #08756f;
    --teal-600: #0a8b83;
    --teal-100: #dff4f0;
    --teal-50: #effaf8;
    --coral-600: #e75443;
    --coral-500: #f46856;
    --coral-100: #ffe6e0;
    --cream: #f7f5ef;
    --sand: #ebe6da;
    --white: #ffffff;
    --ink: #10263d;
    --muted: #5b6b7b;
    --line: #dce3e7;
    --success: #116b52;
    --error: #b42318;
    --shadow-sm: 0 10px 30px rgba(7, 26, 48, 0.08);
    --shadow-lg: 0 28px 80px rgba(7, 26, 48, 0.15);
    --radius-sm: 10px;
    --radius-md: 18px;
    --radius-lg: 30px;
    --container: 1200px;
    --font-sans: "Aptos", "Segoe UI", Helvetica, Arial, sans-serif;
    --font-serif: Georgia, "Times New Roman", serif;
    --transition: 220ms cubic-bezier(0.22, 1, 0.36, 1);
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 110px;
}

body {
    margin: 0;
    min-width: 320px;
    overflow-x: hidden;
    color: var(--ink);
    background: var(--white);
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}

img {
    display: block;
    max-width: 100%;
}

a {
    color: inherit;
}

button,
input,
select,
textarea {
    color: inherit;
    font: inherit;
}

button,
summary,
a {
    touch-action: manipulation;
}

button {
    cursor: pointer;
}

h1,
h2,
h3,
p {
    margin-top: 0;
}

h1,
h2,
h3 {
    color: var(--navy-950);
    font-weight: 700;
    line-height: 1.08;
    letter-spacing: -0.035em;
}

h1 {
    font-size: clamp(2.75rem, 6vw, 5.8rem);
}

h2 {
    font-size: clamp(2rem, 4vw, 3.75rem);
}

h3 {
    font-size: clamp(1.2rem, 2vw, 1.6rem);
}

h1 em,
h2 em {
    color: var(--coral-600);
    font-family: var(--font-serif);
    font-weight: 400;
    letter-spacing: -0.045em;
}

::selection {
    color: var(--white);
    background: var(--teal-700);
}

:focus-visible {
    outline: 3px solid var(--coral-500);
    outline-offset: 3px;
}

.container {
    width: min(calc(100% - 48px), var(--container));
    margin-inline: auto;
}

.section {
    padding-block: clamp(76px, 9vw, 132px);
}

.section-dark {
    color: #dce7ef;
    background: var(--navy-950);
}

.section-dark h2,
.section-dark h3 {
    color: var(--white);
}

.section-warm {
    background: var(--cream);
}

.sr-only {
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    padding: 0 !important;
    margin: -1px !important;
    overflow: hidden !important;
    clip: rect(0, 0, 0, 0) !important;
    white-space: nowrap !important;
    border: 0 !important;
}

.skip-link {
    position: fixed;
    top: 12px;
    left: 12px;
    z-index: 9999;
    padding: 12px 16px;
    color: var(--white);
    background: var(--navy-950);
    border-radius: var(--radius-sm);
    transform: translateY(-160%);
    transition: transform var(--transition);
}

.skip-link:focus {
    transform: translateY(0);
}

.eyebrow {
    margin-bottom: 16px;
    color: var(--teal-700);
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.15em;
    line-height: 1.2;
    text-transform: uppercase;
}

.eyebrow-light {
    color: #74d4c9;
}

.readiness-bar {
    position: relative;
    z-index: 102;
    color: #fff4d6;
    background: #6a4a00;
    font-size: 0.78rem;
}

.readiness-bar .container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    min-height: 34px;
}

.readiness-bar span {
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.readiness-bar a {
    color: var(--white);
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid rgba(11, 37, 69, 0.09);
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(16px);
}

.header-inner {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 40px;
    min-height: 82px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 11px;
    color: var(--navy-950);
    font-size: 1.45rem;
    font-weight: 800;
    letter-spacing: -0.04em;
    text-decoration: none;
}

.brand > span:last-child > span {
    color: var(--teal-700);
}

.brand-mark {
    position: relative;
    display: inline-block;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: var(--teal-100);
}

.brand-mark i {
    position: absolute;
    width: 17px;
    height: 7px;
    border-radius: 10px 10px 2px 10px;
    background: var(--teal-700);
    transform: rotate(-28deg);
}

.brand-mark i:first-child {
    top: 8px;
    left: 5px;
}

.brand-mark i:last-child {
    right: 5px;
    bottom: 8px;
    background: var(--coral-500);
    transform: rotate(152deg);
}

.site-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 32px;
}

.site-nav > a,
.nav-dropdown > summary {
    min-height: 44px;
    display: inline-flex;
    align-items: center;
    color: var(--navy-900);
    font-size: 0.92rem;
    font-weight: 650;
    text-decoration: none;
}

.site-nav > a {
    position: relative;
}

.site-nav > a::after {
    position: absolute;
    right: 0;
    bottom: 6px;
    left: 0;
    height: 2px;
    background: var(--teal-600);
    content: "";
    transform: scaleX(0);
    transform-origin: right;
    transition: transform var(--transition);
}

.site-nav > a:hover::after,
.site-nav > a:focus-visible::after {
    transform: scaleX(1);
    transform-origin: left;
}

.nav-dropdown {
    position: static;
}

.nav-dropdown > summary {
    gap: 8px;
    list-style: none;
    cursor: pointer;
}

.nav-dropdown > summary::-webkit-details-marker {
    display: none;
}

.nav-dropdown > summary span {
    color: var(--teal-700);
    font-size: 1.15rem;
    transition: transform var(--transition);
}

.nav-dropdown[open] > summary span {
    transform: rotate(45deg);
}

.nav-panel {
    position: absolute;
    top: calc(100% + 1px);
    left: 50%;
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 34px;
    width: min(calc(100vw - 48px), var(--container));
    max-height: min(70vh, 620px);
    padding: 34px;
    overflow-y: auto;
    border: 1px solid var(--line);
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
    background: var(--white);
    box-shadow: var(--shadow-lg);
    transform: translateX(-50%);
}

.nav-panel-intro {
    padding: 28px;
    border-radius: var(--radius-md);
    background: var(--navy-950);
}

.nav-panel-intro strong {
    display: block;
    margin-bottom: 28px;
    color: var(--white);
    font-size: 1.55rem;
    line-height: 1.2;
}

.nav-panel-intro a {
    color: #8adbd3;
    font-weight: 700;
}

.nav-categories {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 26px 30px;
}

.nav-categories p {
    margin-bottom: 10px;
    color: var(--muted);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.nav-categories a {
    display: block;
    padding-block: 4px;
    color: var(--navy-900);
    font-size: 0.9rem;
    font-weight: 600;
    text-decoration: none;
}

.nav-categories a:hover {
    color: var(--teal-700);
}

.menu-toggle {
    display: none;
    align-items: center;
    gap: 8px;
    min-width: 48px;
    min-height: 48px;
    padding: 8px;
    border: 0;
    background: transparent;
    font-size: 0.85rem;
    font-weight: 700;
}

.menu-toggle-lines {
    display: grid;
    gap: 4px;
}

.menu-toggle-lines i {
    display: block;
    width: 20px;
    height: 2px;
    background: var(--navy-950);
}

.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 54px;
    padding: 14px 24px;
    border: 1px solid var(--navy-950);
    border-radius: var(--radius-sm);
    color: var(--white);
    background: var(--navy-950);
    box-shadow: none;
    font-weight: 750;
    line-height: 1.1;
    text-align: center;
    text-decoration: none;
    transition: color var(--transition), background var(--transition), border-color var(--transition), box-shadow var(--transition);
}

.button:hover {
    border-color: var(--teal-700);
    background: var(--teal-700);
    box-shadow: 0 12px 30px rgba(8, 117, 111, 0.18);
}

.button-small {
    min-height: 46px;
    padding: 12px 18px;
    font-size: 0.88rem;
}

.button-full {
    width: 100%;
}

.button-secondary {
    color: var(--navy-950);
    background: transparent;
}

.button-secondary:hover {
    color: var(--white);
}

.button-light {
    border-color: var(--white);
    color: var(--navy-950);
    background: var(--white);
}

.button-coral {
    border-color: var(--coral-500);
    background: var(--coral-500);
}

.button-coral:hover {
    border-color: var(--white);
    color: var(--navy-950);
    background: var(--white);
}

.text-link,
.card-text-link {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    min-height: 44px;
    color: var(--navy-900);
    font-weight: 750;
    text-decoration: underline;
    text-decoration-color: transparent;
    text-underline-offset: 5px;
    transition: color var(--transition), text-decoration-color var(--transition);
}

.text-link:hover,
.card-text-link:hover {
    color: var(--teal-700);
    text-decoration-color: currentColor;
}

.text-link span,
.card-text-link span {
    transition: transform var(--transition);
}

.text-link:hover span,
.card-text-link:hover span {
    transform: translateX(4px);
}

.text-link-light {
    color: var(--white);
}

.hero {
    overflow: hidden;
    background: var(--cream);
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(380px, 0.95fr);
    align-items: center;
    gap: clamp(40px, 7vw, 96px);
    min-height: min(760px, calc(100dvh - 82px));
    padding-block: clamp(56px, 7vw, 96px);
}

.hero-copy {
    position: relative;
    z-index: 2;
}

.hero-copy .eyebrow {
    display: flex;
    align-items: center;
    gap: 10px;
}

.hero-copy .eyebrow > span {
    width: 28px;
    height: 2px;
    background: var(--coral-500);
}

.hero-copy h1 {
    max-width: 760px;
    margin-bottom: 28px;
}

.hero-lead {
    max-width: 640px;
    margin-bottom: 32px;
    color: var(--muted);
    font-size: clamp(1.08rem, 1.5vw, 1.28rem);
    line-height: 1.7;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 18px 28px;
}

.trust-list {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
    padding: 32px 0 0;
    margin: 40px 0 0;
    border-top: 1px solid var(--sand);
    list-style: none;
}

.trust-list li {
    color: var(--navy-800);
    font-size: 0.84rem;
    font-weight: 650;
    line-height: 1.4;
}

.trust-list span {
    display: block;
    margin-bottom: 8px;
    color: var(--teal-700);
    font-size: 0.7rem;
    letter-spacing: 0.1em;
}

.hero-visual {
    position: relative;
}

.hero-visual::before {
    position: absolute;
    right: -20%;
    bottom: -14%;
    width: 90%;
    aspect-ratio: 1;
    border: 1px solid rgba(8, 117, 111, 0.25);
    border-radius: 50%;
    content: "";
}

.hero-image-wrap {
    position: relative;
    width: min(100%, 520px);
    margin-inline: auto;
}

.hero-image-wrap > img {
    width: 100%;
    aspect-ratio: 0.87;
    border-radius: 180px 180px 24px 24px;
    object-fit: cover;
    box-shadow: var(--shadow-lg);
}

.floating-card {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 15px 18px;
    border: 1px solid rgba(255, 255, 255, 0.65);
    border-radius: var(--radius-sm);
    background: rgba(255, 255, 255, 0.93);
    box-shadow: var(--shadow-sm);
    backdrop-filter: blur(12px);
}

.floating-card p {
    margin: 0;
    color: var(--navy-800);
    font-size: 0.78rem;
    line-height: 1.4;
}

.floating-card > span:not(.pulse-dot) {
    color: var(--coral-600);
    font-family: var(--font-serif);
    font-size: 2.1rem;
    font-weight: 700;
}

.floating-card-top {
    top: 12%;
    left: -12%;
}

.floating-card-bottom {
    right: -12%;
    bottom: 12%;
}

.pulse-dot {
    width: 11px;
    height: 11px;
    border-radius: 50%;
    background: var(--teal-600);
    box-shadow: 0 0 0 7px var(--teal-100);
}

.section-heading {
    margin-bottom: clamp(40px, 6vw, 72px);
}

.section-heading h2 {
    max-width: 780px;
    margin-bottom: 0;
}

.split-heading {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(280px, 0.6fr);
    align-items: end;
    gap: 48px;
}

.split-heading > p {
    max-width: 480px;
    margin-bottom: 5px;
    color: var(--muted);
}

.centered-heading {
    max-width: 820px;
    margin-inline: auto;
    text-align: center;
}

.insurance-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    border-top: 1px solid var(--line);
    border-left: 1px solid var(--line);
}

.insurance-card {
    position: relative;
    min-height: 250px;
    padding: 28px;
    overflow: hidden;
    border-right: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    color: var(--navy-950);
    background: var(--white);
    text-decoration: none;
    transition: color var(--transition), background var(--transition);
}

.insurance-card::before {
    position: absolute;
    right: -55px;
    bottom: -55px;
    width: 120px;
    height: 120px;
    border: 1px solid rgba(8, 117, 111, 0.24);
    border-radius: 50%;
    content: "";
    transition: transform 320ms ease;
}

.insurance-card:hover {
    color: var(--white);
    background: var(--teal-700);
}

.insurance-card:hover::before {
    border-color: rgba(255, 255, 255, 0.3);
    transform: scale(1.8);
}

.insurance-card .card-index {
    display: inline-block;
    margin-bottom: 70px;
    color: var(--teal-700);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.12em;
}

.insurance-card > p {
    margin-bottom: 8px;
    color: var(--muted);
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
}

.insurance-card h2,
.insurance-card h3 {
    max-width: 85%;
    margin-bottom: 0;
    font-size: 1.45rem;
    transition: color var(--transition);
}

.insurance-card:hover h2,
.insurance-card:hover h3,
.insurance-card:hover > p,
.insurance-card:hover .card-index {
    color: var(--white);
}

.card-arrow {
    position: absolute;
    right: 26px;
    bottom: 25px;
    display: grid;
    width: 40px;
    height: 40px;
    place-items: center;
    border: 1px solid var(--line);
    border-radius: 50%;
    color: var(--navy-950);
    font-size: 1.1rem;
    transition: color var(--transition), border-color var(--transition), transform var(--transition);
}

.insurance-card:hover .card-arrow {
    border-color: rgba(255, 255, 255, 0.6);
    color: var(--white);
    transform: rotate(45deg);
}

.center-action {
    margin-top: 40px;
    text-align: center;
}

.method-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
    gap: clamp(60px, 9vw, 130px);
}

.method-intro {
    position: sticky;
    top: 130px;
    align-self: start;
}

.method-intro h2 {
    margin-bottom: 28px;
}

.method-intro > p:not(.eyebrow) {
    max-width: 480px;
    margin-bottom: 32px;
    color: #aebdca;
}

.method-steps {
    padding: 0;
    margin: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.18);
    list-style: none;
}

.method-steps li {
    display: grid;
    grid-template-columns: 70px 1fr;
    gap: 30px;
    padding-block: 38px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.18);
}

.method-steps > li > span {
    color: #6fd1c7;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.1em;
}

.method-steps h3 {
    margin-bottom: 12px;
    font-size: 1.55rem;
}

.method-steps p {
    max-width: 550px;
    margin-bottom: 0;
    color: #9eb0c0;
}

.promise-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1px;
    background: var(--line);
    border: 1px solid var(--line);
}

.promise-grid article {
    min-height: 320px;
    padding: 36px;
    background: var(--white);
}

.promise-grid article > span {
    display: inline-block;
    margin-bottom: 82px;
    color: var(--teal-700);
    font-family: var(--font-serif);
    font-size: 1.05rem;
    font-style: italic;
}

.promise-grid h3 {
    margin-bottom: 16px;
}

.promise-grid p {
    margin-bottom: 0;
    color: var(--muted);
}

.article-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
}

.article-card {
    display: flex;
    min-height: 350px;
    padding: 30px;
    flex-direction: column;
    border: 1px solid rgba(11, 37, 69, 0.12);
    border-radius: var(--radius-md);
    background: rgba(255, 255, 255, 0.78);
    transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.article-card:hover {
    border-color: var(--teal-600);
    box-shadow: var(--shadow-sm);
    transform: translateY(-4px);
}

.article-card-top,
.article-card-footer {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    color: var(--muted);
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.article-card-top {
    margin-bottom: 60px;
}

.article-card h2,
.article-card h3 {
    margin-bottom: 18px;
    font-size: 1.55rem;
}

.article-card h2 a,
.article-card h3 a {
    text-decoration: none;
}

.article-card p {
    margin-bottom: 28px;
    color: var(--muted);
}

.article-card .card-text-link {
    margin-top: auto;
}

.article-card-footer {
    align-items: center;
    margin-top: auto;
    padding-top: 18px;
    border-top: 1px solid var(--line);
    letter-spacing: 0;
    text-transform: none;
}

.final-cta {
    padding-top: 0;
}

.final-cta-card {
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 40px;
    padding: clamp(40px, 6vw, 72px);
    border-radius: var(--radius-lg);
    color: var(--white);
    background: var(--navy-900);
    overflow: hidden;
}

.final-cta-card h2 {
    max-width: 760px;
    margin: 0;
    color: var(--white);
    font-size: clamp(2rem, 4vw, 3.5rem);
}

.page-hero {
    position: relative;
    overflow: hidden;
    background: var(--cream);
}

.page-hero::after {
    position: absolute;
    top: -220px;
    left: 50%;
    width: 560px;
    height: 560px;
    border: 1px solid var(--sand);
    border-radius: 50%;
    content: "";
    transform: translateX(-50%);
}

.compact-hero {
    padding-block: clamp(76px, 10vw, 140px);
}

.narrow-center {
    position: relative;
    z-index: 1;
    max-width: 900px;
    text-align: center;
}

.narrow-center h1 {
    margin-bottom: 28px;
    font-size: clamp(3rem, 6vw, 5.4rem);
}

.narrow-center > p:last-child {
    max-width: 680px;
    margin-inline: auto;
    color: var(--muted);
    font-size: 1.15rem;
}

.hub-group + .hub-group {
    margin-top: 80px;
}

.hub-group-title {
    display: flex;
    align-items: end;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 24px;
}

.hub-group-title .eyebrow {
    margin: 0;
}

.hub-group-title > span {
    color: var(--muted);
    font-size: 0.85rem;
}

.breadcrumbs {
    display: flex;
    align-items: center;
    gap: 10px;
    padding-block: 18px;
    color: var(--muted);
    font-size: 0.82rem;
}

.breadcrumbs a {
    color: var(--navy-700);
    text-decoration: none;
}

.breadcrumbs a:hover {
    text-decoration: underline;
}

.insurance-hero {
    padding-block: clamp(46px, 6vw, 88px) clamp(76px, 9vw, 120px);
    background: var(--cream);
}

.insurance-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.95fr) minmax(450px, 1.05fr);
    align-items: start;
    gap: clamp(48px, 7vw, 96px);
}

.insurance-hero-copy {
    position: sticky;
    top: 120px;
}

.insurance-hero-copy h1 {
    margin-bottom: 32px;
    font-size: clamp(2.8rem, 5vw, 4.8rem);
}

.lead-copy {
    max-width: 670px;
}

.lead-copy p {
    color: var(--muted);
    font-size: 1.05rem;
}

.mini-checks {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    padding: 22px 0 0;
    margin: 30px 0 0;
    border-top: 1px solid var(--sand);
    list-style: none;
}

.mini-checks li {
    position: relative;
    padding-left: 23px;
    color: var(--navy-800);
    font-size: 0.86rem;
    font-weight: 700;
}

.mini-checks li::before {
    position: absolute;
    top: 0.45em;
    left: 0;
    width: 12px;
    height: 7px;
    border-bottom: 2px solid var(--teal-700);
    border-left: 2px solid var(--teal-700);
    content: "";
    transform: rotate(-45deg);
}

.quote-card {
    overflow: hidden;
    border: 1px solid rgba(11, 37, 69, 0.1);
    border-radius: var(--radius-lg);
    background: var(--white);
    box-shadow: var(--shadow-lg);
}

.quote-card-header {
    padding: 32px 38px 26px;
    color: var(--white);
    background: var(--navy-900);
}

.quote-card-header .eyebrow {
    color: #75d7cd;
}

.quote-card-header h2 {
    margin-bottom: 28px;
    color: var(--white);
    font-size: 2rem;
}

.form-progress {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-progress > span {
    display: flex;
    align-items: center;
    gap: 9px;
    color: #92a5b6;
    font-size: 0.78rem;
    font-weight: 700;
}

.form-progress > span::after {
    display: block;
    height: 2px;
    flex: 1;
    background: rgba(255, 255, 255, 0.16);
    content: "";
}

.form-progress > span:last-child::after {
    display: none;
}

.form-progress i {
    display: grid;
    width: 26px;
    height: 26px;
    flex: 0 0 auto;
    place-items: center;
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    font-size: 0.7rem;
    font-style: normal;
}

.form-progress .active {
    color: var(--white);
}

.form-progress .active i {
    border-color: #75d7cd;
    color: var(--navy-950);
    background: #75d7cd;
}

.quote-card form {
    padding: 34px 38px 38px;
}

.form-step {
    padding: 0;
    margin: 0;
    border: 0;
}

.js .form-step[hidden] {
    display: none;
}

.field-grid {
    display: grid;
    gap: 20px;
    margin-bottom: 28px;
}

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

.form-field label {
    display: block;
    margin-bottom: 8px;
    color: var(--navy-950);
    font-size: 0.86rem;
    font-weight: 750;
}

.form-field label span {
    color: var(--coral-600);
}

.form-field input,
.form-field select {
    width: 100%;
    min-height: 50px;
    padding: 12px 14px;
    border: 1px solid #bfcbd3;
    border-radius: 8px;
    outline: 0;
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
}

.form-field select {
    cursor: pointer;
}

.form-field input:focus,
.form-field select:focus {
    border-color: var(--teal-700);
    box-shadow: 0 0 0 4px rgba(8, 117, 111, 0.12);
}

.form-field.has-error input,
.form-field.has-error select,
.form-field input[aria-invalid="true"],
.form-field select[aria-invalid="true"] {
    border-color: var(--error);
}

.field-help,
.field-error {
    margin: 6px 0 0;
    font-size: 0.78rem;
    line-height: 1.45;
}

.field-help {
    color: var(--muted);
}

.field-error {
    color: var(--error);
    font-weight: 700;
}

.form-alert {
    padding: 18px 38px;
    border-bottom: 1px solid #f1b8b3;
    color: #7a271a;
    background: #fff2f0;
}

.form-alert p {
    margin: 4px 0 0;
    font-size: 0.86rem;
}

.form-reassurance {
    margin: 14px 0 0;
    color: var(--muted);
    font-size: 0.75rem;
    text-align: center;
}

.back-button {
    min-height: 44px;
    padding: 0;
    margin-bottom: 20px;
    border: 0;
    color: var(--teal-700);
    background: transparent;
    font-size: 0.84rem;
    font-weight: 700;
}

.consent-group {
    display: grid;
    gap: 12px;
    margin-bottom: 24px;
}

.check-field {
    display: grid;
    grid-template-columns: 20px 1fr;
    align-items: start;
    gap: 11px;
    color: var(--muted);
    font-size: 0.78rem;
    line-height: 1.5;
}

.check-field input {
    width: 18px;
    height: 18px;
    margin: 2px 0 0;
    accent-color: var(--teal-700);
}

.check-field a {
    color: var(--navy-800);
    font-weight: 700;
}

.honeypot {
    position: absolute;
    left: -9999px;
}

.coverage-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    border-top: 1px solid var(--line);
}

.coverage-grid article {
    min-height: 300px;
    padding: 32px 28px;
    border-right: 1px solid var(--line);
}

.coverage-grid article:first-child {
    border-left: 1px solid var(--line);
}

.coverage-grid span,
.section-number {
    display: block;
    margin-bottom: 80px;
    color: var(--teal-700);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.12em;
}

.coverage-grid h3 {
    margin-bottom: 14px;
}

.coverage-grid p {
    margin-bottom: 0;
    color: var(--muted);
    font-size: 0.94rem;
}

.decision-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(380px, 0.68fr);
    align-items: stretch;
    gap: clamp(40px, 7vw, 96px);
}

.number-list {
    max-width: 700px;
    padding: 0;
    margin: 48px 0 0;
    border-top: 1px solid var(--sand);
    list-style: none;
}

.number-list li {
    display: grid;
    grid-template-columns: 48px 1fr;
    align-items: center;
    gap: 18px;
    min-height: 76px;
    border-bottom: 1px solid var(--sand);
    color: var(--navy-900);
    font-weight: 700;
}

.number-list span {
    color: var(--teal-700);
    font-size: 0.72rem;
}

.tip-card {
    display: flex;
    min-height: 100%;
    padding: 46px;
    flex-direction: column;
    border-radius: var(--radius-lg);
    color: #d8e4ec;
    background: var(--navy-900);
}

.tip-card h2 {
    margin-bottom: 50px;
    color: var(--white);
}

.tip-card ul {
    display: grid;
    gap: 18px;
    padding: 0;
    margin: auto 0 0;
    list-style: none;
}

.tip-card li {
    position: relative;
    padding: 0 0 18px 28px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.tip-card li::before {
    position: absolute;
    top: 0.55em;
    left: 0;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #6fd1c7;
    content: "";
}

.audience-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
    gap: 90px;
}

.audience-grid ul {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    padding: 0;
    margin: 0;
    border-top: 1px solid var(--line);
    border-left: 1px solid var(--line);
    list-style: none;
}

.audience-grid li {
    display: flex;
    min-height: 120px;
    align-items: center;
    padding: 24px 28px;
    border-right: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    color: var(--navy-900);
    font-weight: 700;
}

.faq-grid {
    display: grid;
    grid-template-columns: minmax(280px, 0.65fr) minmax(0, 1.35fr);
    gap: clamp(50px, 8vw, 110px);
}

.faq-intro {
    align-self: start;
}

.faq-intro h2 {
    margin-bottom: 32px;
}

.faq-list {
    border-top: 1px solid var(--line);
}

.faq-list details {
    border-bottom: 1px solid var(--line);
}

.faq-list summary {
    display: flex;
    min-height: 92px;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    color: var(--navy-950);
    font-size: 1.08rem;
    font-weight: 750;
    list-style: none;
    cursor: pointer;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary span {
    display: grid;
    width: 34px;
    height: 34px;
    flex: 0 0 auto;
    place-items: center;
    border: 1px solid var(--line);
    border-radius: 50%;
    color: var(--teal-700);
    transition: transform var(--transition);
}

.faq-list details[open] summary span {
    transform: rotate(45deg);
}

.faq-list details p {
    max-width: 680px;
    padding: 0 60px 30px 0;
    margin: 0;
    color: var(--muted);
}

.insurance-card-dark {
    border-color: rgba(255, 255, 255, 0.16);
    color: var(--white);
    background: transparent;
}

.insurance-card-dark h3,
.insurance-card-dark .card-arrow {
    color: var(--white);
}

.insurance-card-dark > p {
    color: #91a5b7;
}

.related-grid {
    border-color: rgba(255, 255, 255, 0.16);
}

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

.article-grid-large .article-card {
    min-height: 420px;
}

.article-hero {
    padding-block: clamp(60px, 8vw, 110px);
    background: var(--cream);
}

.article-header-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.35fr) minmax(320px, 0.65fr);
    align-items: end;
    gap: clamp(50px, 8vw, 110px);
}

.article-hero h1 {
    margin-bottom: 28px;
    font-size: clamp(3rem, 6vw, 5.6rem);
}

.article-deck {
    max-width: 780px;
    color: var(--muted);
    font-size: 1.18rem;
}

.byline {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 34px;
}

.author-mark {
    display: grid;
    width: 46px;
    height: 46px;
    place-items: center;
    border-radius: 50%;
    color: var(--white);
    background: var(--teal-700);
    font-family: var(--font-serif);
    font-size: 1.35rem;
    font-style: italic;
}

.byline p {
    margin: 0;
    color: var(--muted);
    font-size: 0.78rem;
    line-height: 1.5;
}

.byline strong {
    color: var(--navy-900);
}

.article-cta-card {
    padding: 30px;
    border-radius: var(--radius-md);
    color: #dce7ef;
    background: var(--navy-900);
}

.article-cta-card h2 {
    color: var(--white);
    font-size: 1.9rem;
}

.article-cta-card > p:not(.eyebrow) {
    margin-bottom: 26px;
    color: #aebdca;
}

.article-body-grid {
    display: grid;
    grid-template-columns: 260px minmax(0, 760px);
    justify-content: center;
    gap: clamp(50px, 8vw, 110px);
    padding-block: clamp(70px, 9vw, 130px);
}

.article-aside {
    position: sticky;
    top: 120px;
    align-self: start;
    padding-top: 12px;
}

.article-aside > p {
    color: var(--muted);
    font-size: 0.74rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.article-aside ol {
    padding: 0;
    margin: 0;
    border-top: 1px solid var(--line);
    list-style: none;
}

.article-aside li {
    border-bottom: 1px solid var(--line);
}

.article-aside a {
    display: block;
    padding: 13px 0;
    color: var(--muted);
    font-size: 0.82rem;
    line-height: 1.4;
    text-decoration: none;
}

.article-aside a:hover {
    color: var(--teal-700);
}

.article-summary,
.editorial-note,
.content-notice {
    padding: 26px 30px;
    border-left: 4px solid var(--teal-600);
    background: var(--teal-50);
}

.article-summary {
    margin-bottom: 72px;
}

.article-summary p,
.editorial-note p {
    margin: 6px 0 0;
}

.article-content > section {
    scroll-margin-top: 120px;
    margin-bottom: 76px;
}

.article-content .section-number,
.static-content .section-number {
    margin-bottom: 16px;
}

.article-content h2,
.static-content h2 {
    margin-bottom: 24px;
    font-size: clamp(1.8rem, 3vw, 2.7rem);
}

.article-content p,
.article-content li,
.rich-text p,
.rich-text li {
    color: #3f5365;
    font-size: 1.04rem;
    line-height: 1.85;
}

.article-content ul,
.rich-text ul {
    display: grid;
    gap: 12px;
    padding-left: 22px;
}

.editorial-note {
    border-left-color: var(--coral-500);
    background: #fff4f1;
}

.static-content {
    max-width: 850px;
}

.static-content > section {
    padding-bottom: 60px;
    margin-bottom: 60px;
    border-bottom: 1px solid var(--line);
}

.static-content > section:last-child {
    border-bottom: 0;
}

.static-content .content-notice {
    padding: 34px;
    border-bottom: 0;
}

.rich-text a {
    color: var(--teal-700);
    font-weight: 700;
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    border-top: 1px solid var(--line);
    border-left: 1px solid var(--line);
}

.contact-grid article {
    min-height: 340px;
    padding: 34px;
    border-right: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.contact-grid article > span {
    display: block;
    margin-bottom: 90px;
    color: var(--teal-700);
    font-size: 0.72rem;
    font-weight: 800;
}

.contact-grid h2 {
    font-size: 1.65rem;
}

.contact-grid p {
    color: var(--muted);
}

.contact-grid p a {
    color: var(--teal-700);
    font-weight: 700;
}

.thank-you {
    min-height: 75vh;
    background: var(--cream);
}

.thank-you-card {
    max-width: 880px;
    padding: clamp(36px, 7vw, 82px);
    border-radius: var(--radius-lg);
    background: var(--white);
    box-shadow: var(--shadow-lg);
    text-align: center;
}

.success-mark {
    display: grid;
    width: 76px;
    height: 76px;
    margin: 0 auto 28px;
    place-items: center;
    border-radius: 50%;
    background: var(--teal-100);
}

.success-mark span {
    width: 30px;
    height: 17px;
    border-bottom: 4px solid var(--teal-700);
    border-left: 4px solid var(--teal-700);
    transform: rotate(-45deg) translate(2px, -2px);
}

.thank-you h1 {
    margin-bottom: 20px;
    font-size: clamp(2.6rem, 5vw, 4.6rem);
}

.thank-you-card > p:not(.eyebrow) {
    max-width: 650px;
    margin-inline: auto;
    color: var(--muted);
    font-size: 1.08rem;
}

.next-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    margin-block: 46px;
    border: 1px solid var(--line);
    background: var(--line);
    text-align: left;
}

.next-steps > div {
    padding: 24px;
    background: var(--white);
}

.next-steps span {
    display: block;
    margin-bottom: 28px;
    color: var(--teal-700);
    font-size: 0.72rem;
    font-weight: 800;
}

.next-steps p {
    margin: 0;
    color: var(--muted);
    font-size: 0.84rem;
}

.next-steps strong {
    color: var(--navy-900);
}

.thank-you .hero-actions {
    justify-content: center;
}

.not-found {
    min-height: 70vh;
    background: var(--cream);
}

.not-found-grid {
    display: grid;
    grid-template-columns: 0.8fr 1.2fr;
    align-items: center;
    gap: 80px;
}

.not-found-number {
    color: transparent;
    font-family: var(--font-serif);
    font-size: clamp(8rem, 20vw, 18rem);
    font-style: italic;
    font-weight: 700;
    line-height: 0.8;
    -webkit-text-stroke: 2px var(--teal-600);
}

.not-found h1 {
    margin-bottom: 24px;
    font-size: clamp(2.8rem, 5vw, 4.8rem);
}

.not-found p {
    max-width: 600px;
    color: var(--muted);
}

.site-footer {
    padding-top: 76px;
    color: #aebdca;
    background: var(--navy-950);
}

.footer-top {
    display: grid;
    grid-template-columns: 1.6fr repeat(3, 0.8fr);
    gap: 54px;
    padding-bottom: 64px;
}

.brand-light {
    color: var(--white);
}

.footer-brand > p {
    max-width: 420px;
    margin-top: 20px;
}

.footer-brand .footer-disclaimer {
    max-width: 500px;
    color: #7890a3;
    font-size: 0.78rem;
}

.footer-top h2 {
    margin-bottom: 18px;
    color: var(--white);
    font-size: 0.78rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.footer-top > div:not(.footer-brand) a {
    display: block;
    padding-block: 5px;
    color: #9eb0c0;
    font-size: 0.86rem;
    text-decoration: none;
}

.footer-top > div:not(.footer-brand) a:hover {
    color: var(--white);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 30px;
    padding-block: 22px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    color: #71889b;
    font-size: 0.75rem;
}

.footer-bottom p {
    margin: 0;
}

@media (max-width: 1040px) {
    .header-inner {
        grid-template-columns: auto auto 1fr;
        gap: 20px;
    }

    .menu-toggle {
        display: inline-flex;
        grid-column: 3;
        justify-self: end;
    }

    .header-cta {
        display: none;
    }

    .site-nav {
        position: absolute;
        top: 100%;
        right: 0;
        left: 0;
        display: none;
        align-items: stretch;
        padding: 18px 24px 28px;
        border-top: 1px solid var(--line);
        background: var(--white);
        box-shadow: var(--shadow-lg);
        flex-direction: column;
        gap: 4px;
    }

    .site-nav.is-open {
        display: flex;
    }

    .site-nav > a,
    .nav-dropdown > summary {
        width: 100%;
        justify-content: space-between;
        min-height: 50px;
        border-bottom: 1px solid var(--line);
    }

    .nav-panel {
        position: static;
        display: block;
        width: 100%;
        max-height: 55vh;
        padding: 18px 0;
        border: 0;
        border-radius: 0;
        box-shadow: none;
        transform: none;
    }

    .nav-panel-intro {
        margin-bottom: 18px;
    }

    .nav-categories {
        grid-template-columns: repeat(2, 1fr);
    }

    .hero-grid {
        grid-template-columns: 1fr 0.8fr;
    }

    .hero-copy h1 {
        font-size: clamp(3rem, 6.5vw, 4.7rem);
    }

    .floating-card-top {
        left: -4%;
    }

    .floating-card-bottom {
        right: -4%;
    }

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

    .insurance-hero-copy {
        position: static;
        max-width: 850px;
    }

    .quote-card {
        max-width: 760px;
    }

    .coverage-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .coverage-grid article:nth-child(3) {
        border-left: 1px solid var(--line);
    }

    .audience-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .article-header-grid {
        grid-template-columns: 1fr;
    }

    .article-cta-card {
        max-width: 540px;
    }

    .footer-top {
        grid-template-columns: 1.4fr repeat(3, 1fr);
        gap: 32px;
    }
}

@media (max-width: 800px) {
    .container {
        width: min(calc(100% - 32px), var(--container));
    }

    .readiness-bar .container {
        padding-block: 7px;
        flex-direction: column;
        gap: 0;
        text-align: center;
    }

    .header-inner {
        min-height: 72px;
    }

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

    .hero-copy h1 {
        font-size: clamp(3rem, 12vw, 4.8rem);
    }

    .hero-visual {
        max-width: 560px;
        margin-inline: auto;
    }

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

    .split-heading,
    .method-grid,
    .decision-grid,
    .faq-grid,
    .not-found-grid {
        grid-template-columns: 1fr;
    }

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

    .method-intro {
        position: static;
    }

    .promise-grid article {
        min-height: 280px;
    }

    .final-cta-card {
        grid-template-columns: 1fr;
        justify-items: start;
    }

    .decision-grid {
        gap: 56px;
    }

    .tip-card {
        min-height: 520px;
    }

    .article-body-grid {
        grid-template-columns: 1fr;
    }

    .article-aside {
        position: static;
    }

    .footer-top {
        grid-template-columns: 1.5fr 1fr 1fr;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }

    .next-steps {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 580px) {
    h1 {
        font-size: 2.9rem;
    }

    h2 {
        font-size: 2.2rem;
    }

    .section {
        padding-block: 76px;
    }

    .brand {
        font-size: 1.25rem;
    }

    .brand-mark {
        width: 30px;
        height: 30px;
    }

    .menu-toggle > span:last-child {
        position: absolute;
        width: 1px;
        height: 1px;
        overflow: hidden;
        clip: rect(0, 0, 0, 0);
    }

    .nav-categories {
        grid-template-columns: 1fr;
    }

    .hero-grid {
        padding-top: 46px;
    }

    .hero-copy h1 {
        font-size: clamp(2.85rem, 14vw, 4.1rem);
    }

    .hero-actions {
        align-items: stretch;
        flex-direction: column;
    }

    .hero-actions .text-link {
        justify-content: center;
    }

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

    .hero-image-wrap > img {
        border-radius: 120px 120px 20px 20px;
    }

    .floating-card-top {
        top: 8%;
        left: -2%;
    }

    .floating-card-bottom {
        right: -2%;
        bottom: 6%;
    }

    .floating-card {
        padding: 11px 13px;
    }

    .insurance-grid,
    .article-grid,
    .promise-grid,
    .coverage-grid,
    .contact-grid,
    .article-grid-large {
        grid-template-columns: 1fr;
    }

    .insurance-card {
        min-height: 220px;
    }

    .insurance-card .card-index {
        margin-bottom: 54px;
    }

    .method-steps li {
        grid-template-columns: 42px 1fr;
        gap: 14px;
    }

    .promise-grid article {
        min-height: 260px;
    }

    .compact-hero {
        padding-block: 80px;
    }

    .narrow-center h1,
    .article-hero h1 {
        font-size: clamp(2.75rem, 13vw, 4rem);
    }

    .insurance-hero-copy h1 {
        font-size: clamp(2.6rem, 13vw, 3.8rem);
    }

    .quote-card {
        margin-inline: -8px;
        border-radius: var(--radius-md);
    }

    .quote-card-header,
    .quote-card form {
        padding-right: 22px;
        padding-left: 22px;
    }

    .two-columns,
    .audience-grid ul {
        grid-template-columns: 1fr;
    }

    .coverage-grid article,
    .coverage-grid article:nth-child(3) {
        border-left: 1px solid var(--line);
    }

    .coverage-grid span {
        margin-bottom: 50px;
    }

    .tip-card {
        min-height: 500px;
        padding: 34px 28px;
    }

    .faq-list summary {
        min-height: 82px;
        font-size: 1rem;
    }

    .article-body-grid {
        padding-top: 60px;
    }

    .article-summary,
    .editorial-note,
    .content-notice {
        padding: 22px;
    }

    .contact-grid article > span {
        margin-bottom: 56px;
    }

    .footer-top {
        grid-template-columns: 1fr 1fr;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }

    .footer-bottom {
        flex-direction: column;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
    }
}

/* --------------------------------------------------------------------------
   Mutuelle Direct visual system v3
   Warm, human and editorial: honey yellow, evergreen, outline icons and
   self-hosted typography. These rules intentionally preserve the existing
   semantic templates and conversion behavior.
   -------------------------------------------------------------------------- */

@font-face {
    font-family: "Montserrat";
    src: url("../fonts/montserrat-latin.woff2") format("woff2");
    font-style: normal;
    font-weight: 500 700;
    font-display: swap;
}

@font-face {
    font-family: "Source Sans 3";
    src: url("../fonts/source-sans-3-latin.woff2") format("woff2");
    font-style: normal;
    font-weight: 400 700;
    font-display: swap;
}

:root {
    --navy-950: #17342e;
    --navy-900: #1f443c;
    --navy-800: #315c52;
    --navy-700: #4b7168;
    --teal-700: #2e8177;
    --teal-600: #3c978d;
    --teal-100: #dcefeb;
    --teal-50: #f0f8f6;
    --coral-600: #c79c00;
    --coral-500: #f5ca18;
    --coral-100: #fff4bd;
    --cream: #faf7ee;
    --sand: #e9e1d3;
    --white: #ffffff;
    --ink: #242b28;
    --muted: #5c6863;
    --line: #d9e0dc;
    --success: #16705a;
    --error: #ae2e2e;
    --shadow-sm: 0 12px 32px rgba(23, 52, 46, 0.08);
    --shadow-lg: 0 26px 70px rgba(23, 52, 46, 0.15);
    --radius-sm: 999px;
    --radius-md: 20px;
    --radius-lg: 34px;
    --container: 1240px;
    --font-sans: "Source Sans 3", "Segoe UI", Arial, sans-serif;
    --font-display: "Montserrat", "Arial", sans-serif;
    --font-serif: var(--font-display);
    --transition: 220ms cubic-bezier(0.22, 1, 0.36, 1);
}

body {
    color: var(--ink);
    font-family: var(--font-sans);
    line-height: 1.6;
}

h1,
h2,
h3 {
    color: var(--ink);
    font-family: var(--font-display);
    font-weight: 600;
    letter-spacing: -0.03em;
}

h1 {
    font-size: clamp(2.7rem, 5.5vw, 5rem);
}

h2 {
    font-size: clamp(2rem, 3.6vw, 3.35rem);
}

h1 em,
h2 em {
    color: var(--teal-700);
    font-family: var(--font-display);
    font-style: normal;
    font-weight: 600;
    letter-spacing: -0.03em;
}

::selection {
    color: var(--ink);
    background: var(--coral-500);
}

:focus-visible {
    outline-color: #d7aa00;
}

.container {
    width: min(calc(100% - 48px), var(--container));
}

.section {
    padding-block: clamp(72px, 8vw, 118px);
}

.eyebrow {
    color: var(--teal-700);
    font-family: var(--font-display);
    font-size: 0.71rem;
    font-weight: 700;
    letter-spacing: 0.14em;
}

.eyebrow-light {
    color: #c8e8e1;
}

.readiness-bar {
    color: #fff8d3;
    background: #564700;
}

.readiness-bar a {
    color: #fff;
}

.utility-nav {
    border-bottom: 1px solid var(--line);
    background: #fff;
}

.utility-nav-inner {
    display: flex;
    min-height: 38px;
    align-items: stretch;
    justify-content: space-between;
}

.utility-nav nav {
    display: flex;
    align-items: stretch;
}

.utility-nav a {
    display: inline-flex;
    min-height: 38px;
    align-items: center;
    padding-inline: 18px;
    color: #39433f;
    font-size: 0.78rem;
    font-weight: 650;
    text-decoration: none;
}

.utility-nav nav a {
    border-right: 1px solid var(--line);
}

.utility-nav nav a:first-child {
    border-left: 1px solid var(--line);
}

.utility-nav a.is-active {
    color: #1c241f;
    background: var(--coral-500);
}

.utility-nav-inner > a {
    color: var(--teal-700);
}

.site-header {
    border-bottom-color: var(--line);
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(18px);
}

.header-inner {
    min-height: 88px;
}

.brand {
    gap: 12px;
    color: var(--ink);
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
}

.brand-word {
    display: block;
    line-height: 1;
    white-space: nowrap;
}

.brand-word > span {
    color: var(--teal-700);
}

.brand-word small {
    display: block;
    margin-top: 5px;
    color: var(--muted);
    font-family: var(--font-sans);
    font-size: 0.52rem;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
}

.brand-mark {
    width: 38px;
    height: 38px;
    border: 1px solid rgba(23, 52, 46, 0.15);
    background: #fff;
}

.brand-mark::after {
    position: absolute;
    top: 8px;
    right: 5px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--coral-500);
    content: "";
}

.brand-mark i {
    width: 18px;
    height: 8px;
    border: 2px solid var(--navy-950);
    background: transparent;
}

.brand-mark i:last-child {
    border-color: var(--teal-700);
    background: transparent;
}

.site-nav > a,
.nav-dropdown > summary {
    color: var(--ink);
    font-family: var(--font-display);
    font-size: 0.83rem;
    font-weight: 600;
}

.site-nav > a::after {
    background: var(--coral-500);
}

.nav-dropdown > summary span {
    color: var(--teal-700);
}

.nav-panel {
    border-color: var(--line);
    border-radius: 0 0 26px 26px;
}

.nav-panel-intro {
    background: var(--navy-950);
}

.nav-panel-intro .eyebrow {
    color: var(--coral-500);
}

.nav-panel-intro a {
    color: #fff;
    text-decoration-color: var(--coral-500);
}

.header-cta {
    gap: 9px;
}

.header-cta .ui-icon {
    width: 17px;
}

.button {
    min-height: 54px;
    padding: 14px 26px;
    border-color: var(--coral-500);
    color: #202621;
    background: var(--coral-500);
    font-family: var(--font-display);
    font-size: 0.86rem;
    font-weight: 700;
}

.button:hover {
    border-color: #dfb300;
    color: #151a17;
    background: #ffdb35;
    box-shadow: 0 12px 28px rgba(199, 156, 0, 0.18);
}

.button-dark {
    border-color: var(--navy-950);
    color: #fff;
    background: var(--navy-950);
}

.button-dark:hover {
    border-color: var(--teal-700);
    color: #fff;
    background: var(--teal-700);
}

.button-outline,
.button-secondary {
    border-color: var(--navy-950);
    color: var(--navy-950);
    background: transparent;
}

.button-outline:hover,
.button-secondary:hover {
    border-color: var(--navy-950);
    color: #fff;
    background: var(--navy-950);
}

.button-ghost-light {
    border-color: rgba(255, 255, 255, 0.9);
    color: #fff;
    background: rgba(255, 255, 255, 0.06);
}

.button-ghost-light:hover {
    border-color: #fff;
    color: var(--ink);
    background: #fff;
}

.button-light {
    border-color: #fff;
    background: #fff;
}

.button-coral {
    border-color: var(--coral-500);
    color: var(--ink);
    background: var(--coral-500);
}

.text-link,
.card-text-link {
    color: var(--navy-950);
    font-family: var(--font-display);
    font-size: 0.84rem;
}

.ui-icon,
.insurance-icon {
    display: block;
    width: 24px;
    height: 24px;
}

.text-link .ui-icon,
.card-text-link .ui-icon {
    width: 18px;
    height: 18px;
}

/* Homepage */

.home-hero {
    padding: 22px 0 0;
    background: #fff;
}

.hero-stage {
    position: relative;
    min-height: 610px;
    overflow: hidden;
    border-radius: 0 0 34px 34px;
    background: var(--navy-950);
}

.hero-stage-image {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-stage-shade {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(15, 35, 30, 0.96) 0%, rgba(15, 35, 30, 0.82) 37%, rgba(15, 35, 30, 0.1) 70%);
}

.hero-stage .hero-copy {
    position: relative;
    z-index: 1;
    width: min(58%, 710px);
    padding: clamp(64px, 8vw, 106px) clamp(32px, 6vw, 74px);
    color: #fff;
}

.hero-stage h1 {
    max-width: 700px;
    margin-bottom: 26px;
    color: #fff;
    font-size: clamp(3rem, 5.3vw, 5.2rem);
}

.hero-stage h1 em {
    color: var(--coral-500);
}

.eyebrow-on-image {
    color: #d4ebe6;
}

.hero-stage .hero-lead {
    max-width: 610px;
    margin-bottom: 34px;
    color: rgba(255, 255, 255, 0.86);
    font-size: 1.14rem;
}

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

.hero-note {
    position: absolute;
    right: 28px;
    bottom: 28px;
    z-index: 2;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 13px;
    width: min(330px, calc(100% - 56px));
    padding: 18px 20px;
    border: 1px solid rgba(255, 255, 255, 0.45);
    border-radius: 18px;
    color: var(--ink);
    background: rgba(255, 255, 255, 0.92);
    box-shadow: var(--shadow-sm);
    backdrop-filter: blur(12px);
}

.hero-note .ui-icon {
    color: var(--teal-700);
}

.hero-note p {
    margin: 0;
    font-size: 0.84rem;
    line-height: 1.45;
}

.quick-products {
    position: relative;
    z-index: 3;
    padding-bottom: clamp(60px, 7vw, 98px);
}

.quick-products-panel {
    margin-top: -1px;
    padding: 34px clamp(22px, 4vw, 48px) 30px;
    border: 1px solid var(--line);
    border-top: 0;
    border-radius: 0 0 34px 34px;
    background: #fff;
    box-shadow: var(--shadow-sm);
}

.quick-products-heading {
    display: flex;
    align-items: end;
    justify-content: space-between;
    gap: 30px;
    margin-bottom: 27px;
}

.quick-products-heading .eyebrow {
    margin-bottom: 8px;
}

.quick-products-heading h2 {
    margin: 0;
    font-size: clamp(1.65rem, 2.6vw, 2.3rem);
}

.quick-product-grid {
    display: grid;
    grid-template-columns: repeat(6, minmax(0, 1fr));
    gap: 12px;
}

.quick-product-card {
    position: relative;
    display: flex;
    min-height: 178px;
    align-items: center;
    padding: 18px 12px;
    border: 1px solid var(--line);
    border-radius: 18px;
    color: var(--ink);
    background: var(--white);
    text-align: center;
    text-decoration: none;
    flex-direction: column;
    transition: border-color var(--transition), background var(--transition), transform var(--transition), box-shadow var(--transition);
}

.quick-product-card:hover {
    border-color: var(--coral-500);
    background: #fffdf3;
    box-shadow: 0 12px 26px rgba(23, 52, 46, 0.08);
    transform: translateY(-4px);
}

.icon-orbit {
    position: relative;
    display: grid;
    width: 64px;
    height: 64px;
    margin-bottom: 14px;
    place-items: center;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--teal-50);
}

.icon-orbit::after,
.insurance-card-icon::after,
.insurance-hero-icon::after {
    position: absolute;
    top: 2px;
    right: 2px;
    width: 15px;
    height: 15px;
    border-radius: 50%;
    background: var(--coral-500);
    content: "";
}

.icon-orbit .insurance-icon {
    width: 34px;
    height: 34px;
}

.quick-product-card strong {
    font-family: var(--font-display);
    font-size: 0.98rem;
}

.quick-product-card > span:last-child {
    margin-top: 5px;
    color: var(--muted);
    font-size: 0.76rem;
}

.home-intro-section {
    padding-top: 30px;
}

.home-intro-grid {
    display: grid;
    grid-template-columns: minmax(300px, 0.8fr) minmax(0, 1.2fr);
    gap: clamp(50px, 9vw, 130px);
}

.home-intro-grid h2 {
    margin: 0;
}

.large-copy {
    max-width: 690px;
    margin-bottom: 34px;
    color: var(--muted);
    font-size: clamp(1.1rem, 1.6vw, 1.3rem);
}

.inline-benefits {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
    padding: 0;
    margin: 0;
    list-style: none;
}

.inline-benefits li {
    display: grid;
    grid-template-columns: 30px 1fr;
    gap: 9px;
    color: var(--muted);
    font-size: 0.86rem;
    line-height: 1.35;
}

.inline-benefits .ui-icon {
    width: 25px;
    height: 25px;
    color: var(--teal-700);
}

.inline-benefits strong {
    color: var(--ink);
}

.method-section {
    color: var(--ink);
    background: var(--cream);
}

.method-shell {
    display: grid;
    grid-template-columns: minmax(340px, 0.85fr) minmax(0, 1.15fr);
    align-items: center;
    gap: clamp(50px, 8vw, 112px);
}

.method-photo {
    position: relative;
    overflow: hidden;
    border-radius: 32px;
}

.method-photo > img {
    width: 100%;
    aspect-ratio: 4 / 5;
    object-fit: cover;
}

.method-photo-label {
    position: absolute;
    right: 20px;
    bottom: 20px;
    left: 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 18px 20px;
    border-radius: 18px;
    color: #fff;
    background: rgba(23, 52, 46, 0.92);
    backdrop-filter: blur(10px);
}

.method-photo-label .ui-icon {
    flex: 0 0 auto;
    color: var(--coral-500);
}

.method-photo-label span {
    font-family: var(--font-display);
    font-size: 0.88rem;
    font-weight: 600;
}

.method-content h2 {
    margin-bottom: 20px;
}

.method-content .method-steps {
    margin-bottom: 32px;
    border-top-color: var(--line);
}

.method-content .method-steps li {
    grid-template-columns: 52px 1fr;
    gap: 20px;
    padding-block: 26px;
    border-bottom-color: var(--line);
}

.method-content .method-steps > li > span {
    display: grid;
    width: 42px;
    height: 42px;
    place-items: center;
    border-radius: 50%;
    color: var(--ink);
    background: var(--coral-500);
}

.method-content .method-steps h3 {
    margin-bottom: 8px;
    color: var(--ink);
    font-size: 1.22rem;
}

.method-content .method-steps p {
    color: var(--muted);
}

.proof-section {
    background: #fff;
}

.promise-grid {
    gap: 18px;
    border: 0;
    background: transparent;
}

.promise-grid article {
    display: flex;
    min-height: 340px;
    padding: 34px;
    border: 1px solid var(--line);
    border-radius: 22px;
    background: #fff;
    flex-direction: column;
}

.promise-grid article > .promise-icon {
    position: relative;
    display: grid;
    width: 58px;
    height: 58px;
    margin-bottom: 52px;
    place-items: center;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--coral-100);
    font-family: inherit;
    font-style: normal;
}

.promise-grid h3 {
    font-size: 1.3rem;
}

.promise-grid p {
    margin-bottom: 24px;
}

.promise-grid article > a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: auto;
    color: var(--teal-700);
    font-family: var(--font-display);
    font-size: 0.82rem;
    font-weight: 700;
    text-decoration: none;
}

.promise-grid article > a .ui-icon {
    width: 17px;
}

.guides-preview {
    background: var(--teal-50);
}

.guides-feature-grid {
    display: grid;
    grid-template-columns: minmax(360px, 0.95fr) minmax(0, 1.05fr);
    align-items: center;
    gap: clamp(48px, 7vw, 96px);
}

.guides-feature-image {
    position: relative;
    overflow: hidden;
    border-radius: 30px;
}

.guides-feature-image > img {
    width: 100%;
    min-height: 520px;
    object-fit: cover;
}

.guides-feature-caption {
    position: absolute;
    right: 0;
    bottom: 0;
    left: 0;
    padding: 26px 30px;
    color: #fff;
    background: linear-gradient(0deg, rgba(23, 52, 46, 0.96), rgba(23, 52, 46, 0));
}

.guides-feature-caption .eyebrow {
    color: var(--coral-500);
}

.guides-feature-caption strong {
    font-family: var(--font-display);
    font-size: 1.2rem;
}

.guides-feature-content .section-heading {
    margin-bottom: 28px;
}

.guides-feature-content .section-heading p:last-child {
    color: var(--muted);
}

.article-list {
    margin-bottom: 28px;
    border-top: 1px solid #c9d8d4;
}

.article-list-item {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 25px;
    gap: 6px 20px;
    padding: 20px 4px;
    border-bottom: 1px solid #c9d8d4;
    color: var(--ink);
    text-decoration: none;
}

.article-list-item > span {
    grid-column: 1;
    color: var(--teal-700);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.article-list-item > strong {
    grid-column: 1;
    font-family: var(--font-display);
    font-size: 0.98rem;
}

.article-list-item .ui-icon {
    grid-column: 2;
    grid-row: 1 / 3;
    align-self: center;
    transition: transform var(--transition);
}

.article-list-item:hover .ui-icon {
    transform: translateX(5px);
}

.final-cta {
    background: #fff;
}

.final-cta-card {
    grid-template-columns: auto 1fr auto;
    border-radius: 28px;
    color: var(--ink);
    background: var(--coral-500);
}

.final-cta-card .eyebrow {
    color: #5e4b00;
}

.final-cta-card h2 {
    color: var(--ink);
}

.final-cta-icon {
    display: grid;
    width: 72px;
    height: 72px;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    background: var(--navy-950);
}

.final-cta-icon .ui-icon {
    width: 34px;
    height: 34px;
}

/* Index, insurance and content pages */

.page-hero {
    background: var(--cream);
}

.page-hero::after {
    border-color: #e2d7c4;
}

.compact-hero {
    padding-block: clamp(72px, 9vw, 126px);
}

.narrow-center h1 {
    font-size: clamp(2.8rem, 5.5vw, 4.9rem);
}

.hub-group {
    padding: 30px;
    border-radius: 26px;
    background: var(--cream);
}

.hub-group + .hub-group {
    margin-top: 30px;
}

.hub-group .insurance-grid {
    gap: 14px;
    border: 0;
}

.insurance-grid {
    gap: 14px;
    border: 0;
}

.insurance-card {
    min-height: 270px;
    padding: 26px;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: #fff;
    transition: border-color var(--transition), background var(--transition), transform var(--transition), box-shadow var(--transition);
}

.insurance-card::before {
    display: none;
}

.insurance-card:hover {
    color: var(--ink);
    border-color: var(--coral-500);
    background: #fffdf4;
    box-shadow: var(--shadow-sm);
    transform: translateY(-4px);
}

.insurance-card-icon {
    position: relative;
    display: grid;
    width: 62px;
    height: 62px;
    margin-bottom: 32px;
    place-items: center;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--teal-50);
}

.insurance-card-icon .insurance-icon {
    width: 34px;
    height: 34px;
}

.insurance-card .card-index {
    position: absolute;
    top: 28px;
    right: 28px;
    margin: 0;
    color: #89968f;
}

.insurance-card > p {
    color: var(--teal-700);
}

.insurance-card:hover h2,
.insurance-card:hover h3,
.insurance-card:hover > p,
.insurance-card:hover .card-index {
    color: inherit;
}

.insurance-card h2,
.insurance-card h3 {
    font-size: 1.35rem;
}

.card-arrow {
    right: 24px;
    bottom: 22px;
    width: 38px;
    height: 38px;
    border-color: var(--line);
}

.card-arrow .ui-icon {
    width: 17px;
}

.insurance-card:hover .card-arrow {
    border-color: var(--navy-950);
    color: #fff;
    background: var(--navy-950);
    transform: none;
}

.breadcrumbs {
    color: var(--muted);
}

.insurance-hero {
    background: linear-gradient(135deg, var(--cream), #fff 65%);
}

.insurance-hero-icon {
    position: relative;
    display: grid;
    width: 82px;
    height: 82px;
    margin-bottom: 30px;
    place-items: center;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--teal-100);
}

.insurance-hero-icon .insurance-icon {
    width: 45px;
    height: 45px;
}

.insurance-hero-copy h1 {
    font-size: clamp(2.7rem, 4.6vw, 4.25rem);
}

.mini-checks {
    border-top-color: var(--sand);
}

.mini-checks li::before {
    border-color: var(--teal-700);
}

.quote-card {
    border-color: var(--line);
    border-radius: 26px;
}

.quote-card-header {
    background: var(--navy-950);
}

.quote-card-kicker {
    display: flex;
    align-items: center;
    gap: 12px;
}

.quote-card-kicker > span {
    display: grid;
    width: 42px;
    height: 42px;
    place-items: center;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--coral-500);
}

.quote-card-kicker .insurance-icon {
    width: 25px;
    height: 25px;
}

.quote-card-kicker .eyebrow {
    margin: 0;
    color: #cfe6e1;
}

.quote-card-header h2 {
    margin-top: 18px;
}

.form-progress .active i {
    border-color: var(--coral-500);
    color: var(--ink);
    background: var(--coral-500);
}

.quote-card form {
    background: #fff;
}

.form-field input,
.form-field select {
    min-height: 54px;
    border-color: #b9c5c0;
    border-radius: 10px;
    background: #fff;
}

.form-field input:focus,
.form-field select:focus {
    border-color: var(--teal-700);
    box-shadow: 0 0 0 4px rgba(46, 129, 119, 0.13);
}

.check-field input {
    accent-color: var(--teal-700);
}

.coverage-section {
    background: #fff;
}

.coverage-grid {
    gap: 14px;
    border: 0;
}

.coverage-grid article,
.coverage-grid article:first-child {
    min-height: 280px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: #fff;
}

.coverage-grid span,
.section-number {
    color: var(--teal-700);
}

.decision-section {
    background: var(--cream);
}

.tip-card {
    border-radius: 26px;
    color: #dbe9e5;
    background: var(--navy-950);
}

.tip-card .eyebrow {
    color: var(--coral-500);
}

.tip-card li::before {
    background: var(--coral-500);
}

.audience-grid ul {
    gap: 12px;
    border: 0;
}

.audience-grid li {
    min-height: 105px;
    border: 1px solid var(--line);
    border-radius: 16px;
    background: #fff;
}

.faq-list summary span {
    color: var(--navy-950);
    background: var(--coral-100);
}

.related-section {
    background: var(--navy-950);
}

.insurance-card-dark {
    border-color: rgba(255, 255, 255, 0.2);
    color: #fff;
    background: rgba(255, 255, 255, 0.05);
}

.insurance-card-dark .insurance-card-icon {
    color: #fff;
    background: rgba(255, 255, 255, 0.1);
}

.insurance-card-dark:hover {
    border-color: var(--coral-500);
    color: #fff;
    background: rgba(255, 255, 255, 0.09);
}

.insurance-card-dark:hover h3,
.insurance-card-dark:hover > p,
.insurance-card-dark:hover .card-index {
    color: #fff;
}

.article-card {
    border-radius: 20px;
    background: #fff;
}

.article-card:hover {
    border-color: var(--coral-500);
}

.article-hero {
    background: var(--cream);
}

.article-cta-card {
    border-radius: 22px;
    background: var(--navy-950);
}

.article-summary,
.editorial-note,
.content-notice {
    border-radius: 18px;
}

.article-summary {
    border-color: #c7dcd7;
    background: var(--teal-50);
}

.static-content > section {
    border-color: var(--line);
}

.contact-grid {
    gap: 18px;
}

.contact-grid article {
    border: 1px solid var(--line);
    border-radius: 20px;
    background: #fff;
}

.contact-grid article > span {
    display: grid;
    width: 48px;
    height: 48px;
    margin-bottom: 58px;
    place-items: center;
    border-radius: 50%;
    color: var(--ink);
    background: var(--coral-500);
}

/* Footer */

.site-footer {
    color: #c0d0ca;
    background: var(--navy-950);
}

.brand-light {
    color: #fff;
}

.brand-light .brand-mark {
    border-color: rgba(255, 255, 255, 0.28);
    background: rgba(255, 255, 255, 0.06);
}

.brand-light .brand-mark i {
    border-color: #fff;
}

.brand-light .brand-word small {
    color: #a9beb7;
}

.footer-brand .footer-disclaimer {
    color: #8fa9a0;
}

.footer-top > div:not(.footer-brand) a {
    color: #b4c8c1;
}

.footer-bottom {
    color: #829d94;
}

@media (max-width: 1040px) {
    .utility-nav {
        display: none;
    }

    .header-inner {
        min-height: 76px;
    }

    .hero-stage {
        min-height: 590px;
    }

    .hero-stage .hero-copy {
        width: 68%;
    }

    .quick-product-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .home-intro-grid,
    .method-shell,
    .guides-feature-grid {
        gap: 48px;
    }

    .inline-benefits {
        grid-template-columns: 1fr;
    }

    .insurance-hero-grid {
        grid-template-columns: minmax(0, 0.85fr) minmax(400px, 1.15fr);
        gap: 40px;
    }
}

@media (max-width: 800px) {
    .container {
        width: min(calc(100% - 32px), var(--container));
    }

    .brand-word small {
        display: none;
    }

    .home-hero {
        padding-top: 10px;
    }

    .hero-stage {
        min-height: 680px;
        border-radius: 0 0 24px 24px;
    }

    .hero-stage-image {
        object-position: 62% center;
    }

    .hero-stage-shade {
        background: linear-gradient(0deg, rgba(15, 35, 30, 0.97) 0%, rgba(15, 35, 30, 0.82) 54%, rgba(15, 35, 30, 0.12) 100%);
    }

    .hero-stage .hero-copy {
        position: absolute;
        right: 0;
        bottom: 88px;
        left: 0;
        width: auto;
        padding: 32px 26px;
    }

    .hero-stage h1 {
        font-size: clamp(2.6rem, 10vw, 4rem);
    }

    .hero-stage .hero-lead {
        font-size: 1rem;
    }

    .hero-note {
        right: 18px;
        bottom: 18px;
        left: 18px;
        width: auto;
    }

    .quick-products-panel {
        padding-inline: 20px;
        border-radius: 0 0 24px 24px;
    }

    .quick-products-heading {
        align-items: start;
        flex-direction: column;
    }

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

    .quick-product-card {
        min-height: 160px;
    }

    .home-intro-grid,
    .method-shell,
    .guides-feature-grid,
    .insurance-hero-grid {
        grid-template-columns: 1fr;
    }

    .method-photo {
        max-height: 620px;
    }

    .method-photo > img {
        aspect-ratio: 4 / 4.5;
    }

    .guides-feature-image > img {
        min-height: 380px;
    }

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

    .promise-grid article {
        min-height: 280px;
    }

    .final-cta-card {
        grid-template-columns: auto 1fr;
    }

    .final-cta-card .button {
        grid-column: 1 / -1;
        justify-self: start;
    }

    .hub-group {
        padding: 22px;
    }

    .insurance-card {
        min-height: 245px;
    }

    .insurance-hero-copy {
        position: static;
    }

    .quote-card {
        width: 100%;
        margin-inline: 0;
    }
}

@media (max-width: 520px) {
    .container {
        width: min(calc(100% - 24px), var(--container));
    }

    .readiness-bar .container {
        padding-block: 7px;
        text-align: center;
        flex-direction: column;
        gap: 2px;
    }

    .brand-mark {
        width: 34px;
        height: 34px;
    }

    .brand {
        font-size: 1.3rem;
    }

    .hero-stage {
        min-height: 720px;
    }

    .hero-stage .hero-copy {
        bottom: 100px;
        padding-inline: 20px;
    }

    .hero-stage .hero-actions {
        display: grid;
        grid-template-columns: 1fr;
    }

    .hero-stage .hero-actions .button {
        width: 100%;
    }

    .hero-note {
        padding: 14px 16px;
    }

    .quick-product-grid {
        gap: 10px;
    }

    .quick-product-card {
        min-height: 148px;
        padding: 15px 8px;
    }

    .icon-orbit {
        width: 56px;
        height: 56px;
    }

    .quick-product-card strong {
        font-size: 0.86rem;
    }

    .quick-product-card > span:last-child {
        font-size: 0.69rem;
    }

    .home-intro-grid {
        gap: 30px;
    }

    .method-photo-label {
        right: 12px;
        bottom: 12px;
        left: 12px;
    }

    .method-content .method-steps li {
        grid-template-columns: 42px 1fr;
        gap: 14px;
    }

    .guides-feature-image > img {
        min-height: 300px;
    }

    .final-cta-card {
        grid-template-columns: 1fr;
        text-align: left;
    }

    .final-cta-icon {
        width: 58px;
        height: 58px;
    }

    .hub-group {
        padding: 16px;
        border-radius: 20px;
    }

    .hub-group-title {
        align-items: start;
        flex-direction: column;
        gap: 6px;
    }

    .insurance-card-icon {
        margin-bottom: 26px;
    }

    .quote-card-header,
    .quote-card form {
        padding-inline: 22px;
    }

    .quote-card-header h2 {
        font-size: 1.65rem;
    }

    .insurance-hero-copy h1 {
        font-size: clamp(2.35rem, 10.5vw, 2.8rem);
    }
}

/* France regulatory proof — sourced, dated and intentionally secondary to the quote flow */
.regulation-section {
    padding: 22px 0 0;
    background: var(--white);
}

.regulation-card {
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) minmax(210px, auto);
    align-items: center;
    gap: 20px;
    padding: 22px 24px;
    border: 1px solid rgba(46, 129, 119, 0.24);
    border-radius: 22px;
    background: linear-gradient(120deg, var(--teal-50), #fffdf3);
    box-shadow: 0 12px 34px rgba(23, 52, 46, 0.06);
}

.regulation-icon {
    display: grid;
    width: 48px;
    height: 48px;
    place-items: center;
    border-radius: 15px;
    color: var(--navy-950);
    background: var(--coral-500);
}

.regulation-icon .ui-icon {
    width: 25px;
    height: 25px;
}

.regulation-copy .eyebrow {
    margin: 0 0 3px;
    color: var(--teal-700);
    font-size: 0.68rem;
}

.regulation-copy h2 {
    margin: 0;
    color: var(--navy-950);
    font-size: clamp(1.05rem, 1.5vw, 1.3rem);
    line-height: 1.2;
}

.regulation-copy > p:last-child {
    max-width: 780px;
    margin: 7px 0 0;
    color: var(--muted);
    font-size: 0.91rem;
    line-height: 1.5;
}

.regulation-source {
    display: inline-flex;
    min-height: 44px;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 15px;
    border: 1px solid rgba(23, 52, 46, 0.2);
    border-radius: 999px;
    color: var(--navy-950);
    background: rgba(255, 255, 255, 0.78);
    font-family: var(--font-display);
    font-size: 0.78rem;
    font-weight: 680;
    line-height: 1.25;
    text-align: center;
    text-decoration: none;
    transition: border-color 160ms ease, background-color 160ms ease, transform 160ms ease;
}

.regulation-source:hover,
.regulation-source:focus-visible {
    border-color: var(--teal-700);
    background: var(--white);
    transform: translateY(-1px);
}

@media (max-width: 820px) {
    .regulation-card {
        grid-template-columns: auto minmax(0, 1fr);
    }

    .regulation-source {
        grid-column: 2;
        justify-self: start;
    }
}

@media (max-width: 560px) {
    .regulation-section {
        padding-top: 14px;
    }

    .regulation-card {
        grid-template-columns: 1fr;
        gap: 13px;
        padding: 19px;
        border-radius: 19px;
    }

    .regulation-icon {
        width: 42px;
        height: 42px;
        border-radius: 13px;
    }

    .regulation-source {
        grid-column: 1;
        justify-self: stretch;
    }
}

/* Insurance conversion hero v4 — image stage + compact 7/5 guided form */

.insurance-hero {
    padding-block: 22px clamp(72px, 8vw, 108px);
    background: #fff;
}

.insurance-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 7fr) minmax(390px, 5fr);
    align-items: start;
    gap: 24px;
}

.insurance-hero-copy {
    position: relative;
    top: auto;
    min-height: 720px;
    overflow: hidden;
    border-radius: 30px;
    color: #fff;
    background: var(--navy-950);
    box-shadow: 0 20px 46px rgba(23, 52, 46, 0.16);
}

.insurance-stage-image {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.insurance-stage-shade {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(15, 35, 30, 0.96) 0%, rgba(15, 35, 30, 0.8) 48%, rgba(15, 35, 30, 0.15) 82%),
        linear-gradient(0deg, rgba(15, 35, 30, 0.78) 0%, transparent 54%);
}

.insurance-stage-content {
    position: relative;
    z-index: 1;
    display: flex;
    min-height: 720px;
    max-width: 690px;
    justify-content: flex-end;
    padding: clamp(34px, 5vw, 58px);
    flex-direction: column;
}

.insurance-stage-kicker {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 22px;
}

.insurance-stage-kicker .insurance-hero-icon {
    width: 58px;
    height: 58px;
    margin: 0;
    border-color: rgba(255, 255, 255, 0.34);
    border-radius: 17px;
    background: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(10px);
}

.insurance-stage-kicker .insurance-icon {
    width: 32px;
    height: 32px;
}

.insurance-stage-kicker .eyebrow {
    margin: 0 0 3px;
    color: var(--coral-500);
}

.insurance-stage-kicker div > p:last-child {
    margin: 0;
    color: rgba(255, 255, 255, 0.78);
    font-size: 0.77rem;
    line-height: 1.35;
}

.insurance-stage-content h1,
.insurance-hero-copy .insurance-stage-content h1 {
    max-width: 650px;
    margin: 0 0 22px;
    color: #fff;
    font-size: clamp(2.25rem, 3.3vw, 3.25rem);
    line-height: 1.02;
}

.insurance-stage-content h1 em {
    color: var(--coral-500);
}

.insurance-stage-lead {
    max-width: 610px;
}

.insurance-stage-lead p {
    margin-bottom: 10px;
    color: rgba(255, 255, 255, 0.84);
    font-size: 0.98rem;
    line-height: 1.58;
}

.insurance-stage-content .mini-checks {
    gap: 10px 22px;
    padding-top: 18px;
    margin-top: 18px;
    border-top-color: rgba(255, 255, 255, 0.22);
}

.insurance-stage-content .mini-checks li {
    color: #fff;
    font-size: 0.78rem;
}

.insurance-stage-content .mini-checks li::before {
    border-color: var(--coral-500);
}

.quote-card {
    position: sticky;
    top: 96px;
    overflow: hidden;
    border: 1px solid #d7e0dc;
    border-radius: 28px;
    background: #fff;
    box-shadow: 0 20px 50px rgba(23, 52, 46, 0.13);
}

.quote-card-header {
    padding: 24px 26px 22px;
    background:
        radial-gradient(circle at 92% 8%, rgba(245, 202, 24, 0.15), transparent 28%),
        var(--navy-950);
}

.quote-card-kicker {
    gap: 11px;
}

.quote-card-kicker > span {
    width: 40px;
    height: 40px;
    border-radius: 13px;
}

.quote-card-kicker > div > span {
    display: block;
    margin-top: 2px;
    color: #a9c5be;
    font-size: 0.71rem;
    font-weight: 650;
}

.quote-card-header h2 {
    margin: 16px 0 7px;
    font-size: clamp(1.35rem, 2.1vw, 1.72rem);
    line-height: 1.12;
}

.quote-card-intro {
    margin: 0 0 20px;
    color: #c7d9d4;
    font-size: 0.82rem;
    line-height: 1.45;
}

.form-progress {
    gap: 12px;
}

.form-progress > span {
    gap: 7px;
    color: #91aaa3;
    font-size: 0.71rem;
}

.form-progress > span::after {
    height: 1px;
}

.form-progress i {
    width: 24px;
    height: 24px;
}

.form-progress .complete i::before {
    border-bottom: 2px solid currentColor;
    border-left: 2px solid currentColor;
    width: 8px;
    height: 4px;
    content: "";
    transform: rotate(-45deg) translateY(-1px);
}

.form-progress .complete i {
    overflow: hidden;
    font-size: 0;
}

.quote-card form {
    padding: 24px 26px 26px;
    background: #fff;
}

.question-progress {
    margin-bottom: 22px;
}

.question-progress > div {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 9px;
}

.question-progress strong {
    color: var(--navy-950);
    font-family: var(--font-display);
    font-size: 0.76rem;
}

.question-progress div > span {
    color: var(--muted);
    font-size: 0.69rem;
}

.question-progress-track {
    display: block;
    height: 5px;
    overflow: hidden;
    border-radius: 99px;
    background: #e5ece9;
}

.question-progress-track i {
    display: block;
    width: 100%;
    height: 100%;
    border-radius: inherit;
    background: var(--coral-500);
    transform: scaleX(0);
    transform-origin: left center;
    transition: transform 240ms ease-out;
}

.question-deck {
    min-height: 270px;
}

.form-question {
    animation: question-in 240ms ease-out both;
}

.form-question[hidden] {
    display: none;
}

@keyframes question-in {
    from {
        opacity: 0;
        transform: translateX(10px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.form-question .form-field {
    min-height: 174px;
}

.question-label,
.form-question .form-field > label {
    display: block;
    margin: 0 0 14px;
    color: var(--navy-950);
    font-family: var(--font-display);
    font-size: 1.02rem;
    font-weight: 700;
    line-height: 1.35;
}

.question-label span {
    color: var(--coral-600);
}

.choice-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 9px;
}

.choice-card {
    position: relative;
    cursor: pointer;
}

.choice-card input {
    position: absolute;
    width: 1px;
    min-height: 1px;
    padding: 0;
    margin: 0;
    opacity: 0;
    pointer-events: none;
}

.choice-card > span {
    position: relative;
    display: flex;
    min-height: 49px;
    align-items: center;
    gap: 9px;
    padding: 10px 34px 10px 11px;
    border: 1px solid #cbd7d2;
    border-radius: 12px;
    color: #35433e;
    background: #fbfcfb;
    font-size: 0.78rem;
    font-weight: 650;
    line-height: 1.25;
    transition: border-color 180ms ease, background 180ms ease, box-shadow 180ms ease, transform 180ms ease;
}

.choice-card > span > i {
    width: 15px;
    height: 15px;
    flex: 0 0 15px;
    border: 1.5px solid #95a9a2;
    border-radius: 50%;
    background: #fff;
}

.choice-card > span::after {
    position: absolute;
    right: 11px;
    width: 8px;
    height: 4px;
    border-bottom: 2px solid var(--navy-950);
    border-left: 2px solid var(--navy-950);
    content: "";
    opacity: 0;
    transform: rotate(-45deg) scale(0.7);
    transition: opacity 180ms ease, transform 180ms ease;
}

.choice-card:hover > span {
    border-color: var(--teal-700);
    background: var(--teal-50);
}

.choice-card input:focus-visible + span {
    outline: 3px solid var(--coral-500);
    outline-offset: 2px;
}

.choice-card input:checked + span,
.choice-card.is-selected > span {
    border-color: var(--teal-700);
    background: #eef8f5;
    box-shadow: 0 0 0 2px rgba(46, 129, 119, 0.1);
    transform: translateY(-1px);
}

.choice-card input:checked + span > i,
.choice-card.is-selected > span > i {
    border-color: var(--coral-500);
    background: var(--coral-500);
    box-shadow: inset 0 0 0 3px #fff;
}

.choice-card input:checked + span::after,
.choice-card.is-selected > span::after {
    opacity: 1;
    transform: rotate(-45deg) scale(1);
}

.form-question .form-field > input {
    min-height: 52px;
    border-radius: 12px;
    background: #fbfcfb;
}

.question-actions {
    display: grid;
    grid-template-columns: minmax(72px, auto) minmax(0, 1fr);
    align-items: center;
    gap: 10px;
    margin-top: 22px;
}

.question-back {
    min-height: 46px;
    padding: 0 6px;
    border: 0;
    color: var(--teal-700);
    background: transparent;
    font-size: 0.78rem;
    font-weight: 750;
}

.question-next {
    min-height: 48px;
    justify-content: center;
    padding-inline: 18px;
    border-radius: 14px;
}

.question-next .ui-icon,
.submit-lead-button .ui-icon {
    width: 17px;
    height: 17px;
}

.question-next:disabled,
.submit-lead-button:disabled {
    cursor: not-allowed;
    opacity: 0.48;
    box-shadow: none;
    transform: none;
}

.form-reassurance {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: 12px;
}

.form-reassurance .ui-icon {
    width: 14px;
    height: 14px;
    color: var(--teal-700);
}

.contact-step-heading {
    margin: 0 0 20px;
}

.contact-step-heading .eyebrow {
    margin-bottom: 5px;
}

.contact-step-heading h3 {
    margin: 0 0 5px;
    color: var(--navy-950);
    font-size: 1.25rem;
}

.contact-step-heading > p:last-child {
    margin: 0;
    color: var(--muted);
    font-size: 0.78rem;
}

.quote-card .field-grid {
    gap: 14px;
    margin-bottom: 20px;
}

.quote-card .form-field label {
    margin-bottom: 6px;
    font-size: 0.78rem;
}

.quote-card .form-field input,
.quote-card .form-field select {
    min-height: 48px;
    padding-block: 10px;
    border-radius: 11px;
}

.quote-card .consent-group {
    gap: 9px;
    padding: 12px;
    margin-bottom: 18px;
    border: 1px solid #e0e8e4;
    border-radius: 13px;
    background: #f8faf9;
}

.quote-card .check-field {
    gap: 8px;
    font-size: 0.7rem;
    line-height: 1.4;
}

.quote-card .check-field input {
    width: 17px;
    height: 17px;
    min-height: 17px;
    padding: 0;
}

.submit-lead-button {
    min-height: 50px;
    justify-content: center;
    border-radius: 14px;
}

.submit-lead-button.is-loading {
    position: relative;
}

@media (max-width: 1080px) {
    .insurance-hero-grid {
        grid-template-columns: minmax(0, 7fr) minmax(380px, 5fr);
        gap: 18px;
    }

    .insurance-stage-content {
        padding: 36px;
    }

    .insurance-stage-content h1,
    .insurance-hero-copy .insurance-stage-content h1 {
        font-size: clamp(2.15rem, 3.8vw, 2.75rem);
    }
}

@media (max-width: 900px) {
    .insurance-hero-grid {
        grid-template-columns: 1fr;
    }

    .insurance-hero-copy,
    .insurance-stage-content {
        min-height: 650px;
    }

    .insurance-stage-content {
        max-width: 720px;
    }

    .quote-card {
        position: static;
        width: min(100%, 680px);
        margin-inline: auto;
    }
}

@media (max-width: 600px) {
    .insurance-hero {
        padding-top: 10px;
    }

    .insurance-hero-copy,
    .insurance-stage-content {
        min-height: 620px;
    }

    .insurance-hero-copy {
        border-radius: 22px;
    }

    .insurance-stage-image {
        object-position: 62% center;
    }

    .insurance-stage-shade {
        background: linear-gradient(0deg, rgba(15, 35, 30, 0.98) 0%, rgba(15, 35, 30, 0.86) 58%, rgba(15, 35, 30, 0.16) 100%);
    }

    .insurance-stage-content {
        padding: 26px 22px;
    }

    .insurance-stage-content h1,
    .insurance-hero-copy .insurance-stage-content h1 {
        font-size: clamp(2rem, 9vw, 2.5rem);
    }

    .insurance-stage-lead p {
        font-size: 0.92rem;
    }

    .insurance-stage-lead p:nth-child(n + 2) {
        display: none;
    }

    .quote-card {
        border-radius: 22px;
    }

    .quote-card-header,
    .quote-card form {
        padding-inline: 20px;
    }

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

    .question-deck {
        min-height: 330px;
    }

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

    .question-progress > div {
        align-items: flex-start;
        flex-direction: column;
        gap: 2px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .form-question {
        animation: none;
    }

    .question-progress-track i,
    .choice-card > span,
    .choice-card > span::after {
        transition: none;
    }
}

/* Mutuelle Direct — compact heroes, two-tone icons and insurance imagery */

.insurance-icon .icon-primary {
    stroke: var(--navy-950);
}

.insurance-icon .icon-accent {
    color: var(--coral-500);
    stroke: var(--coral-500);
}

.icon-orbit::after,
.insurance-card-icon::after,
.insurance-hero-icon::after {
    display: none;
}

.icon-orbit,
.insurance-card-icon,
.insurance-hero-icon {
    border: 1px solid #c7dbd6;
    border-radius: 20px;
    color: var(--navy-950);
    background: linear-gradient(145deg, #fff 0%, var(--teal-50) 100%);
}

.icon-orbit {
    transform: rotate(-3deg);
}

.icon-orbit .insurance-icon {
    transform: rotate(3deg);
}

.insurance-card-dark .insurance-card-icon {
    border-color: rgba(255, 255, 255, 0.18);
    background: rgba(255, 255, 255, 0.08);
}

.insurance-card-dark .insurance-icon .icon-primary {
    stroke: #fff;
}

.quote-card-kicker .insurance-icon .icon-primary {
    stroke: var(--navy-950);
}

.quote-card-kicker .insurance-icon .icon-accent {
    stroke: var(--teal-700);
}

.hero-stage h1 {
    max-width: 600px;
    font-size: clamp(2.4rem, 3.9vw, 3.75rem);
}

.narrow-center h1,
.page-hero .narrow-center h1 {
    font-size: clamp(2.2rem, 3.9vw, 3.35rem);
}

.article-hero h1 {
    font-size: clamp(2.2rem, 3.8vw, 3.25rem);
}

.insurance-hero-copy h1 {
    font-size: clamp(2.15rem, 3.2vw, 2.95rem);
}

.insurance-hero-icon {
    width: 72px;
    height: 72px;
    margin-bottom: 24px;
}

.insurance-hero-icon .insurance-icon {
    width: 40px;
    height: 40px;
}

.insurance-hero-media {
    position: relative;
    overflow: hidden;
    margin: 26px 0 30px;
    border: 1px solid var(--line);
    border-radius: 24px;
    background: var(--teal-50);
    box-shadow: 0 16px 36px rgba(23, 52, 46, 0.1);
}

.insurance-hero-media img {
    width: 100%;
    aspect-ratio: 3 / 2;
    object-fit: cover;
}

.insurance-hero-media figcaption {
    position: absolute;
    right: 14px;
    bottom: 14px;
    left: 14px;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    border: 1px solid rgba(255, 255, 255, 0.44);
    border-radius: 14px;
    color: #fff;
    background: rgba(15, 35, 30, 0.9);
    font-family: var(--font-display);
    font-size: 0.78rem;
    font-weight: 650;
    line-height: 1.35;
    backdrop-filter: blur(10px);
}

.insurance-hero-media figcaption > span {
    display: grid;
    flex: 0 0 34px;
    width: 34px;
    height: 34px;
    place-items: center;
    border-radius: 10px;
    background: var(--coral-500);
}

.insurance-hero-media figcaption .insurance-icon {
    width: 22px;
    height: 22px;
}

.insurance-hero-media figcaption .icon-primary {
    stroke: var(--navy-950);
}

.insurance-hero-media figcaption .icon-accent {
    stroke: var(--teal-700);
}

@media (max-width: 800px) {
    .hero-stage h1 {
        font-size: clamp(2.2rem, 8.5vw, 3.25rem);
    }

    .narrow-center h1,
    .page-hero .narrow-center h1,
    .article-hero h1 {
        font-size: clamp(2.1rem, 8vw, 3rem);
    }

    .insurance-hero-copy h1 {
        font-size: clamp(2rem, 7.2vw, 2.55rem);
    }

    .insurance-hero-media {
        max-width: 680px;
    }
}

@media (max-width: 520px) {
    .hero-stage h1 {
        font-size: clamp(2.05rem, 9.5vw, 2.65rem);
    }

    .insurance-hero-copy h1 {
        font-size: clamp(1.9rem, 8.5vw, 2.25rem);
    }

    .insurance-hero-media {
        margin: 22px 0 26px;
        border-radius: 18px;
    }

    .insurance-hero-media figcaption {
        right: 9px;
        bottom: 9px;
        left: 9px;
        padding: 10px 11px;
        font-size: 0.72rem;
    }
}