:root {
  --blue: #003f9f;
  --blue-900: #001f55;
  --blue-800: #062d73;
  --blue-700: #0b45a6;
  --orange: #f26a13;
  --orange-700: #d84f00;
  --ink: #061735;
  --muted: #60708a;
  --line: rgba(7, 35, 82, .12);
  --bg: #f4f8fd;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(0, 32, 82, .14);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: #fff;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; height: auto; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.skip-link {
  position: absolute;
  top: -100px;
  left: 20px;
  z-index: 999;
  background: var(--blue-900);
  color: #fff;
  padding: 12px 14px;
  border-radius: 10px;
}
.skip-link:focus { top: 20px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  min-height: 82px;
  display: flex;
  align-items: center;
  gap: 26px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border: 4px solid var(--blue);
  border-radius: 16px;
  color: var(--blue);
  font-weight: 900;
  letter-spacing: -2px;
}
.brand-text { line-height: .9; }
.brand-text strong {
  display: block;
  color: var(--blue-900);
  font-size: clamp(1.4rem, 2vw, 1.9rem);
  letter-spacing: -.04em;
}
.brand-text em {
  display: block;
  color: var(--orange);
  font-style: normal;
  font-size: clamp(1rem, 1.5vw, 1.35rem);
  font-weight: 900;
}
.main-nav {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 24px;
  color: var(--blue-900);
  font-size: .94rem;
  font-weight: 800;
}
.main-nav a:hover { color: var(--orange); }
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--blue-900);
  font-weight: 900;
  white-space: nowrap;
}
.nav-toggle { display: none; }
.nav-button { display: none; }

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at top right, rgba(242, 106, 19, .12), transparent 26%),
    linear-gradient(135deg, #eef6ff 0%, #fff 42%, #f7fbff 100%);
  padding: 46px 0 34px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 35%;
  background: linear-gradient(180deg, transparent, rgba(0, 63, 159, .06));
  pointer-events: none;
}
.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: .82fr 1.18fr;
  align-items: center;
  gap: 34px;
}
.hero-copy { padding: 16px 0; }
.authorized-agent {
  display: inline-grid;
  grid-template-columns: 58px auto 58px;
  align-items: center;
  gap: 14px;
  color: var(--blue);
  margin-bottom: 20px;
}
.authorized-agent span {
  height: 5px;
  background: var(--blue);
  border-radius: 999px;
}
.authorized-agent strong {
  font-size: clamp(1rem, 2vw, 1.35rem);
  letter-spacing: .12em;
  font-weight: 900;
}
.eyebrow {
  margin: 0 0 12px;
  color: var(--orange);
  text-transform: uppercase;
  letter-spacing: .11em;
  font-weight: 900;
  font-size: .82rem;
}
.hero h1 {
  margin: 0;
  max-width: 540px;
  font-size: clamp(2.75rem, 5.5vw, 5.6rem);
  line-height: .9;
  letter-spacing: -.07em;
  color: var(--blue-900);
}
.hero-lead {
  max-width: 490px;
  margin: 22px 0 0;
  font-size: clamp(1.05rem, 1.8vw, 1.25rem);
  line-height: 1.52;
  color: #23344f;
  font-weight: 600;
}
.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 25px 0 0;
}
.hero-points span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--blue-900);
  font-weight: 900;
}
.hero-points span::before {
  content: "✓";
  width: 22px;
  height: 22px;
  display: grid;
  place-items: center;
  background: var(--blue);
  color: #fff;
  border-radius: 50%;
  font-size: .78rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 24px;
  border-radius: 999px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .02em;
  box-shadow: 0 12px 22px rgba(0,0,0,.12);
}
.btn-primary { background: linear-gradient(135deg, var(--orange), var(--orange-700)); color: #fff; }
.btn-secondary { background: linear-gradient(135deg, var(--blue), var(--blue-900)); color: #fff; }
.btn:hover { transform: translateY(-1px); }
.hero-art {
  position: relative;
  background: #fff;
  border-radius: 28px;
  box-shadow: var(--shadow);
  padding: 10px;
  border: 1px solid rgba(0, 63, 159, .12);
}
.hero-art img {
  width: 100%;
  border-radius: 20px;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  object-position: center;
}

.quick-strip { margin-top: -1px; padding: 0 0 36px; background: #fff; }
.quick-strip-inner {
  transform: translateY(-24px);
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  background: linear-gradient(135deg, var(--blue), var(--blue-900));
  color: #fff;
  border-radius: 22px;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.quick-strip a {
  min-height: 100px;
  display: grid;
  place-items: center;
  text-align: center;
  gap: 8px;
  padding: 16px 10px;
  border-right: 1px solid rgba(255,255,255,.2);
  font-weight: 900;
  text-transform: uppercase;
  font-size: .85rem;
}
.quick-strip a:last-child { border-right: 0; }
.quick-strip span { font-size: 1.45rem; color: #fff; }
.quick-strip a:hover { background: rgba(255,255,255,.08); }

.coverage-section { padding: 28px 0 72px; background: #fff; }
.section-heading { text-align: center; max-width: 760px; margin: 0 auto 32px; }
.section-heading p,
.why-heading p {
  margin: 0 0 8px;
  color: var(--orange);
  font-size: .86rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  font-weight: 900;
}
.section-heading h2,
.why-heading h2 {
  margin: 0;
  color: var(--blue-900);
  font-size: clamp(2rem, 3.5vw, 3.2rem);
  line-height: 1.05;
  letter-spacing: -.05em;
}
.section-heading span {
  display: block;
  margin-top: 12px;
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.55;
}
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.coverage-card {
  min-height: 210px;
  display: grid;
  grid-template-columns: 116px 1fr;
  gap: 18px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 22px;
  box-shadow: 0 14px 30px rgba(10, 39, 82, .08);
}
.coverage-card h3 {
  margin: 0 0 8px;
  color: var(--blue-900);
  font-size: 1.28rem;
  line-height: 1.1;
  letter-spacing: -.03em;
}
.coverage-card p {
  margin: 0 0 14px;
  color: #45556d;
  font-size: .9rem;
  line-height: 1.48;
}
.coverage-card a { color: var(--blue); font-weight: 900; font-size: .9rem; }
.coverage-card a span { color: var(--orange); }
.card-icon,
.card-image-wrap {
  width: 106px;
  height: 106px;
  display: grid;
  place-items: center;
  border-radius: 18px;
  background: linear-gradient(135deg, #eef6ff, #fff);
  border: 1px solid rgba(0, 63, 159, .11);
  color: var(--blue);
  font-size: 3rem;
  overflow: hidden;
}
.card-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
  padding: 8px;
  background: #fff;
}
.card-icon-shield,
.card-icon-clipboard {
  font-size: 3.5rem;
  font-weight: 900;
  color: var(--blue);
}

.why-section {
  background:
    radial-gradient(circle at 20% 10%, rgba(242,106,19,.22), transparent 18%),
    linear-gradient(135deg, var(--blue-900), var(--blue));
  color: #fff;
  padding: 58px 0;
}
.why-inner { display: grid; grid-template-columns: .8fr 1.2fr; gap: 34px; align-items: center; }
.why-heading p { color: #ffb37d; }
.why-heading h2 { color: #fff; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.why-item {
  padding: 22px;
  border-left: 1px solid rgba(255,255,255,.25);
}
.why-item span {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--orange);
  font-weight: 900;
  margin-bottom: 14px;
}
.why-item h3 { margin: 0 0 8px; font-size: 1rem; }
.why-item p { margin: 0; color: rgba(255,255,255,.78); font-size: .88rem; line-height: 1.45; }

.quote-band {
  background: linear-gradient(90deg, #f7fbff, #fff);
  padding: 38px 0;
  border-bottom: 1px solid rgba(0, 63, 159, .1);
}
.quote-inner {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 20px;
  align-items: center;
}
.quote-inner p {
  margin: 0 0 4px;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .82rem;
  font-weight: 900;
}
.quote-inner h2 { margin: 0; color: var(--blue-900); font-size: clamp(1.7rem, 3vw, 2.5rem); }
.quote-phone { color: var(--orange); font-size: clamp(1.5rem, 3vw, 2.4rem); font-weight: 900; white-space: nowrap; }

.site-footer {
  color: #fff;
  background:
    radial-gradient(circle at bottom right, rgba(242,106,19,.22), transparent 24%),
    linear-gradient(135deg, #001a49, #003f9f);
}
.footer-grid {
  display: grid;
  grid-template-columns: .9fr 1fr 1.15fr;
  gap: 44px;
  padding: 54px 0 40px;
}
.brand-footer .brand-mark { border-color: #fff; color: #fff; }
.brand-footer .brand-text strong { color: #fff; }
.footer-brand p { font-size: 1.35rem; font-weight: 900; line-height: 1.2; }
.footer-card h3 {
  margin: 0 0 18px;
  color: #fff;
  font-size: .86rem;
  text-transform: uppercase;
  letter-spacing: .11em;
}
.footer-card p { color: rgba(255,255,255,.82); line-height: 1.55; }
.footer-card a:hover { color: #ffb37d; }
.footer-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.footer-badges span {
  display: inline-flex;
  background: #fff;
  color: var(--blue);
  border-radius: 10px;
  padding: 10px 12px;
  font-weight: 900;
  font-size: .82rem;
}
.footer-bottom { border-top: 1px solid rgba(255,255,255,.16); }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 0;
  color: rgba(255,255,255,.72);
  font-size: .86rem;
}
.footer-bottom p { margin: 0; }

@media (max-width: 1040px) {
  .header-inner { gap: 18px; }
  .main-nav { gap: 14px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { text-align: center; }
  .hero h1,
  .hero-lead { margin-left: auto; margin-right: auto; }
  .hero-points,
  .hero-actions { justify-content: center; }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .quick-strip-inner { grid-template-columns: repeat(3, 1fr); }
  .quick-strip a:nth-child(3) { border-right: 0; }
  .why-inner { grid-template-columns: 1fr; text-align: center; }
  .why-grid { grid-template-columns: repeat(2, 1fr); text-align: left; }
}

@media (max-width: 820px) {
  .container { width: min(100% - 28px, 1180px); }
  .header-inner { min-height: 74px; }
  .nav-button {
    margin-left: auto;
    width: 44px;
    height: 44px;
    display: grid;
    place-items: center;
    gap: 5px;
    cursor: pointer;
  }
  .nav-button span {
    display: block;
    width: 25px;
    height: 3px;
    background: var(--blue-900);
    border-radius: 999px;
  }
  .main-nav {
    position: absolute;
    left: 14px;
    right: 14px;
    top: 76px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    box-shadow: var(--shadow);
    padding: 10px;
  }
  .main-nav a { padding: 14px; border-radius: 12px; }
  .main-nav a:hover { background: #f3f8ff; }
  .nav-toggle:checked ~ .main-nav { display: flex; }
  .header-phone { display: none; }
  .brand-mark { width: 42px; height: 42px; border-radius: 14px; }
  .hero { padding: 28px 0 26px; }
  .authorized-agent { grid-template-columns: 42px auto 42px; margin-left: auto; margin-right: auto; }
  .hero-art { border-radius: 20px; padding: 7px; }
  .hero-art img { border-radius: 15px; aspect-ratio: 4 / 3; object-position: center; }
  .quick-strip { padding-bottom: 16px; }
  .quick-strip-inner { transform: translateY(-10px); grid-template-columns: repeat(2, 1fr); border-radius: 18px; }
  .quick-strip a { min-height: 84px; }
  .quick-strip a:nth-child(3) { border-right: 1px solid rgba(255,255,255,.2); }
  .quick-strip a:nth-child(2n) { border-right: 0; }
  .coverage-grid { grid-template-columns: 1fr; }
  .coverage-card { grid-template-columns: 92px 1fr; min-height: 170px; padding: 18px; }
  .card-icon,
  .card-image-wrap { width: 86px; height: 86px; font-size: 2.2rem; }
  .why-grid { grid-template-columns: 1fr; }
  .why-item { border-left: 0; border-top: 1px solid rgba(255,255,255,.22); text-align: center; }
  .why-item span { margin-left: auto; margin-right: auto; }
  .quote-inner { grid-template-columns: 1fr; text-align: center; }
  .quote-inner .btn { justify-self: center; }
  .footer-grid { grid-template-columns: 1fr; gap: 22px; text-align: center; }
  .footer-brand .brand { justify-content: center; }
  .footer-badges { justify-content: center; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 520px) {
  .hero h1 { font-size: clamp(2.35rem, 12vw, 4rem); }
  .hero-lead { font-size: 1rem; }
  .btn { width: 100%; }
  .hero-actions { width: 100%; }
  .quick-strip-inner { grid-template-columns: 1fr; }
  .quick-strip a,
  .quick-strip a:nth-child(3),
  .quick-strip a:nth-child(2n) { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.18); }
  .quick-strip a:last-child { border-bottom: 0; }
  .coverage-card { grid-template-columns: 1fr; text-align: center; }
  .card-icon,
  .card-image-wrap { margin: 0 auto; }
}