:root {
    --red: #c8192e;
    --red-dark: #8f1020;
    --red-soft: #fff0f2;
    --ink: #17191f;
    --muted: #5f6675;
    --line: #e7e8ec;
    --surface: #ffffff;
    --soft: #f7f8fa;
    --shadow: 0 24px 70px rgba(24, 20, 31, 0.16);
    --radius: 8px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

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

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

a {
    color: inherit;
}

.container {
    width: min(1160px, calc(100% - 40px));
    margin: 0 auto;
}

.narrow {
    width: min(860px, calc(100% - 40px));
}

.skip-link {
    position: absolute;
    left: 16px;
    top: -80px;
    z-index: 10;
    padding: 10px 14px;
    background: var(--ink);
    color: #fff;
}

.skip-link:focus {
    top: 16px;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 8;
    border-bottom: 1px solid rgba(231, 232, 236, 0.8);
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(16px);
}

.nav-shell {
    min-height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.brand-logo {
    width: 270px;
    max-width: min(52vw, 270px);
    height: auto;
    object-fit: contain;
}

.brand strong,
.brand small {
    display: block;
}

.brand strong {
    font-size: 1rem;
    line-height: 1.2;
}

.brand small {
    color: var(--muted);
    font-size: 0.78rem;
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 18px;
    font-size: 0.94rem;
    font-weight: 700;
}

.main-nav a {
    color: #303542;
    text-decoration: none;
}

.main-nav a:hover,
.main-nav a.active {
    color: var(--red);
}

.nav-cta,
.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0 18px;
    border: 0;
    border-radius: var(--radius);
    font: inherit;
    font-weight: 800;
    text-decoration: none;
    cursor: pointer;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.nav-cta,
.button.primary {
    background: var(--red);
    color: #fff !important;
    box-shadow: 0 12px 28px rgba(200, 25, 46, 0.24);
}

.button.ghost {
    border: 1px solid var(--line);
    background: #fff;
    color: var(--red-dark);
    box-shadow: 0 12px 28px rgba(255, 255, 255, 0.16);
}

.button:hover {
    transform: translateY(-1px);
}

.button.wide {
    width: 100%;
}

.nav-toggle {
    display: none;
    min-height: 42px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: #fff;
    padding: 0 14px;
    font-weight: 800;
}

.hero {
    position: relative;
    overflow: hidden;
    background:
        linear-gradient(110deg, rgba(23, 25, 31, 0.92), rgba(143, 16, 32, 0.82)),
        url("../images/home-insurance.png") center/cover;
    color: #fff;
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 460px;
    gap: 48px;
    align-items: center;
    min-height: 720px;
    padding: 70px 0;
}

.hero-copy h1,
.subhero h1,
.legal-hero h1 {
    margin: 12px 0 18px;
    font-size: clamp(2.4rem, 5vw, 4.25rem);
    line-height: 1;
    letter-spacing: 0;
}

.hero-copy p {
    max-width: 700px;
    color: rgba(255, 255, 255, 0.86);
    font-size: 1.12rem;
}

.eyebrow {
    display: inline-flex;
    color: var(--red);
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.hero .eyebrow,
.subhero .eyebrow,
.legal-hero .eyebrow {
    color: #ffb9c2;
}

.hero-actions,
.trust-list {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    align-items: center;
}

.hero-actions {
    margin-top: 30px;
}

.trust-list {
    margin: 28px 0 0;
    padding: 0;
    list-style: none;
    color: rgba(255, 255, 255, 0.84);
    font-weight: 700;
}

.trust-list li::before {
    content: "";
    display: inline-block;
    width: 9px;
    height: 9px;
    margin-right: 9px;
    border-radius: 50%;
    background: #ffccd2;
}

.lead-card {
    border: 1px solid rgba(255, 255, 255, 0.22);
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.96);
    color: var(--ink);
    box-shadow: var(--shadow);
    padding: 28px;
}

.form-heading span {
    color: var(--red);
    font-size: 0.8rem;
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.form-heading h2 {
    margin: 4px 0 8px;
    font-size: 1.75rem;
    line-height: 1.15;
}

.form-heading p {
    margin: 0 0 20px;
    color: var(--muted);
}

.lead-form,
.form-row {
    display: grid;
    gap: 14px;
}

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

.form-row.three {
    grid-template-columns: 0.8fr 1fr 0.75fr;
}

label {
    color: #343948;
    font-size: 0.86rem;
    font-weight: 800;
}

input,
select {
    width: 100%;
    height: 48px;
    margin-top: 6px;
    border: 1px solid #d6d9e0;
    border-radius: var(--radius);
    background: #fff;
    color: var(--ink);
    font: inherit;
    padding: 0 13px;
    outline: none;
}

input:focus,
select:focus {
    border-color: var(--red);
    box-shadow: 0 0 0 4px rgba(200, 25, 46, 0.12);
}

.consent {
    display: grid;
    grid-template-columns: 18px 1fr;
    gap: 10px;
    align-items: start;
    color: var(--muted);
    font-size: 0.75rem;
    font-weight: 600;
}

.consent input {
    width: 18px;
    height: 18px;
    margin: 2px 0 0;
}

.form-status {
    min-height: 24px;
    margin: 0;
    color: var(--muted);
    font-weight: 700;
}

.form-status.success {
    color: #12733b;
}

.form-status.error {
    color: var(--red-dark);
}

.section {
    padding: 58px 0;
}

.section-heading {
    max-width: 720px;
    margin-bottom: 24px;
}

.section-heading h2,
.split-grid h2,
.content-block h2,
.info-panel h2 {
    margin: 8px 0 12px;
    color: var(--ink);
    font-size: clamp(1.7rem, 2.8vw, 2.55rem);
    line-height: 1.12;
    letter-spacing: 0;
}

.section-heading p,
.content-block p,
.info-panel p,
.legal-content p,
.feature-list p {
    color: var(--muted);
}

.proof-section {
    background: #fff;
}

.proof-grid,
.intro-grid {
    display: grid;
    grid-template-columns: 0.82fr 1.18fr;
    gap: 34px;
    align-items: start;
}

.proof-copy h2,
.intro-grid h2 {
    margin: 8px 0 14px;
    font-size: clamp(1.9rem, 3.2vw, 2.75rem);
    line-height: 1.1;
    letter-spacing: 0;
}

.proof-copy p,
.intro-grid p {
    color: var(--muted);
    font-size: 1.08rem;
}

.metric-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
}

.metric-cards div {
    min-height: 150px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    border-radius: var(--radius);
    background: linear-gradient(160deg, var(--red), var(--red-dark));
    color: #fff;
    padding: 18px;
    box-shadow: 0 18px 42px rgba(200, 25, 46, 0.2);
}

.metric-cards strong {
    display: block;
    margin-bottom: 8px;
    font-size: clamp(2rem, 4vw, 3.35rem);
    line-height: 0.95;
    letter-spacing: 0;
}

.metric-cards span {
    color: rgba(255, 255, 255, 0.84);
    font-weight: 750;
}

.card-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.service-card {
    overflow: hidden;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface);
    box-shadow: 0 14px 40px rgba(21, 24, 32, 0.07);
}

.service-card img {
    width: 100%;
    aspect-ratio: 4 / 3;
    object-fit: cover;
}

.service-card div {
    padding: 22px;
}

.service-card h3 {
    margin: 0 0 8px;
    font-size: 1.3rem;
}

.service-card p {
    color: var(--muted);
}

.service-card a {
    color: var(--red);
    font-weight: 900;
    text-decoration: none;
}

.split-band {
    background: var(--soft);
}

.split-grid {
    display: grid;
    grid-template-columns: 0.82fr 1.18fr;
    gap: 34px;
    align-items: start;
}

.feature-list {
    display: grid;
    gap: 14px;
}

.feature-list > div,
.info-panel {
    border-left: 4px solid var(--red);
    border-radius: var(--radius);
    background: #fff;
    padding: 18px 20px;
    box-shadow: 0 12px 34px rgba(21, 24, 32, 0.07);
}

.feature-list h3,
.info-panel h2 {
    margin: 0 0 7px;
    font-size: 1.05rem;
}

.process-section {
    background: #fff;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.process-grid > div {
    min-height: 176px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: #fff;
    padding: 20px;
    box-shadow: 0 14px 40px rgba(21, 24, 32, 0.07);
}

.process-grid span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 46px;
    height: 46px;
    margin-bottom: 16px;
    border-radius: 50%;
    background: var(--red-soft);
    color: var(--red);
    font-weight: 900;
}

.process-grid h3 {
    margin: 0 0 10px;
    font-size: 1.22rem;
}

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

.service-intro {
    background: #fff;
}

.subhero {
    position: relative;
    min-height: 460px;
    display: grid;
    align-items: end;
    overflow: hidden;
    color: #fff;
}

.subhero::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(16, 17, 22, 0.88), rgba(143, 16, 32, 0.5), rgba(16, 17, 22, 0.2));
}

.subhero > img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.subhero-content {
    position: relative;
    z-index: 1;
    padding: 68px 0;
}

.subhero p {
    max-width: 680px;
    color: rgba(255, 255, 255, 0.86);
    font-size: 1.12rem;
}

.detail-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 340px;
    gap: 34px;
    align-items: start;
}

.content-block {
    font-size: 1.04rem;
}

.content-block h2 {
    font-size: 2rem;
    margin-top: 0;
}

.check-list {
    display: grid;
    gap: 12px;
    padding: 0;
    list-style: none;
}

.check-list li {
    position: relative;
    padding-left: 32px;
    color: #313744;
    font-weight: 700;
}

.check-list li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 8px;
    width: 15px;
    height: 15px;
    border-radius: 50%;
    background: var(--red);
    box-shadow: inset 0 0 0 4px #fff, 0 0 0 1px var(--red);
}

.legal-hero {
    padding: 62px 0;
    background: linear-gradient(110deg, var(--ink), var(--red-dark));
    color: #fff;
}

.legal-hero h1 {
    font-size: clamp(2.4rem, 5vw, 4.2rem);
}

.legal-content h2 {
    margin: 34px 0 8px;
    font-size: 1.35rem;
}

.legal-content h2:first-child {
    margin-top: 0;
}

.site-footer {
    background: #12141a;
    color: rgba(255, 255, 255, 0.78);
    padding: 42px 0 24px;
}

.stats-strip {
    background: linear-gradient(100deg, var(--red), var(--red-dark));
    color: #fff;
    padding: 28px 0;
}

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

.stats-grid div {
    border-left: 1px solid rgba(255, 255, 255, 0.28);
    padding-left: 22px;
}

.stats-grid strong {
    display: block;
    font-size: clamp(1.85rem, 4vw, 3.2rem);
    line-height: 1;
    letter-spacing: 0;
}

.stats-grid span {
    display: block;
    margin-top: 8px;
    color: rgba(255, 255, 255, 0.84);
    font-weight: 750;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 0.8fr 1fr 0.8fr;
    gap: 36px;
}

.footer-brand {
    color: #fff;
}

.footer-brand .brand-logo {
    filter: drop-shadow(0 10px 20px rgba(0, 0, 0, 0.25));
}

.site-footer h2 {
    margin: 0 0 12px;
    color: #fff;
    font-size: 1rem;
}

.site-footer a,
.site-footer span {
    display: block;
    margin: 8px 0;
    color: rgba(255, 255, 255, 0.78);
    text-decoration: none;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    margin-top: 28px;
    padding-top: 18px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 0.85rem;
}

@media (max-width: 980px) {
    .hero-grid,
    .split-grid,
    .detail-grid,
    .footer-grid,
    .proof-grid,
    .intro-grid {
        grid-template-columns: 1fr;
    }

    .hero-grid {
        min-height: auto;
    }

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

    .process-grid,
    .stats-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 760px) {
    .container,
    .narrow {
        width: min(100% - 28px, 1160px);
    }

    .nav-toggle {
        display: inline-flex;
        align-items: center;
    }

    .main-nav {
        position: absolute;
        left: 14px;
        right: 14px;
        top: 76px;
        display: none;
        flex-direction: column;
        align-items: stretch;
        padding: 16px;
        border: 1px solid var(--line);
        border-radius: var(--radius);
        background: #fff;
        box-shadow: var(--shadow);
    }

    .main-nav.open {
        display: flex;
    }

    .main-nav a {
        padding: 10px;
    }

    .hero-grid {
        gap: 28px;
        padding: 52px 0;
    }

    .hero-copy h1,
    .subhero h1 {
        font-size: 2.55rem;
    }

    .lead-card {
        padding: 20px;
    }

    .form-row.two,
    .form-row.three,
    .card-grid,
    .metric-cards,
    .process-grid,
    .stats-grid {
        grid-template-columns: 1fr;
    }

    .metric-cards div,
    .process-grid > div {
        min-height: auto;
    }

    .subhero {
        min-height: 420px;
    }

    .subhero::after {
        background: linear-gradient(0deg, rgba(16, 17, 22, 0.92), rgba(143, 16, 32, 0.38));
    }

    .subhero-content {
        padding: 54px 0;
    }

    .footer-bottom {
        display: block;
    }
}