:root {
  --bg: #f5f6f8;
  --panel: #ffffff;
  --navy: #14213d;
  --navy-2: #1f3a63;
  --navy-tint: #edf1f8;
  --gold: #c97f0a;
  --gold-2: #e8a93a;
  --gold-tint: #fbf0da;
  --text: #1b2233;
  --muted: #5c6479;
  --border: #e2e5ec;
  --green: #2e7d53;
  --green-tint: #e7f3ec;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --shadow: 0 1px 2px rgba(20, 33, 61, 0.06), 0 8px 24px -12px rgba(20, 33, 61, 0.18);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: "Inter", system-ui, sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3 {
  font-family: "Fraunces", serif;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
  letter-spacing: -0.01em;
}

p {
  margin: 0;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 32px;
}

button {
  font-family: inherit;
  cursor: pointer;
}

:focus-visible {
  outline: 3px solid var(--gold-2);
  outline-offset: 2px;
}

.utility-bar {
  background: var(--navy);
  color: #c9d2e3;
  font-size: 13px;
}

.utility-bar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 9px;
  padding-bottom: 9px;
}

.utility-bar a {
  color: #fff;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
}

.utility-bar .hours {
  color: #93a0bc;
}

header.site {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 40;
}

.site header .wrap,
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
}

.brand-mark {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  background: linear-gradient(155deg, var(--navy), var(--navy-2));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.brand-mark svg {
  width: 20px;
  height: 20px;
}

.brand-name {
  font-family: "Fraunces", serif;
  font-weight: 600;
  font-size: 18.5px;
  color: var(--navy);
  line-height: 1.15;
}

.brand-sub {
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.02em;
}

nav.primary {
  display: flex;
  align-items: center;
  gap: 30px;
}

nav.primary a {
  font-size: 14.5px;
  font-weight: 500;
  color: var(--text);
}

nav.primary a.active {
  color: var(--navy);
  font-weight: 600;
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 14.5px;
  border: 1px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}

.btn-gold {
  background: var(--gold);
  color: #fff;
}

.btn-gold:hover {
  background: #b4720a;
}

.btn-navy {
  background: var(--navy);
  color: #fff;
}

.btn-navy:hover {
  background: var(--navy-2);
}

.btn-outline {
  background: #fff;
  border-color: var(--border);
  color: var(--navy);
}

.btn-outline:hover {
  border-color: var(--navy);
}

.btn-block {
  width: 100%;
}

.btn[disabled] {
  background: #cbd1de;
  color: #8a93a8;
  cursor: not-allowed;
}

.hero {
  background: radial-gradient(1100px 460px at 82% -10%, #1a2c50 0%, rgba(26, 44, 80, 0) 60%), var(--navy);
  padding: 76px 0 96px;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 120px;
  background: linear-gradient(180deg, rgba(20, 33, 61, 0), var(--bg));
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.eyebrow-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232, 169, 58, 0.14);
  border: 1px solid rgba(232, 169, 58, 0.35);
  color: var(--gold-2);
  font-size: 13px;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: 999px;
  margin-bottom: 22px;
}

.hero h1 {
  color: #fff;
  font-size: 47px;
  line-height: 1.09;
  font-weight: 600;
  max-width: 11.5ch;
}

.hero-lede {
  color: #b9c2d6;
  font-size: 17px;
  margin-top: 20px;
  max-width: 46ch;
  line-height: 1.6;
}

.free-note {
  margin-top: 26px;
  background: rgba(46, 125, 83, 0.14);
  border: 1px solid rgba(46, 125, 83, 0.4);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  max-width: 46ch;
}

.free-note strong {
  color: #7fd3a3;
}

.free-note span {
  color: #c9d2e3;
  font-size: 14px;
}

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

.call-link {
  color: #eadfc7;
  font-size: 14px;
}

.call-link b {
  display: block;
  color: #fff;
  font-size: 15px;
}

.trust-strip {
  margin-top: 44px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-md);
  overflow: hidden;
  max-width: 520px;
}

.trust-strip div {
  background: rgba(255, 255, 255, 0.04);
  padding: 16px 14px;
}

.trust-strip .num {
  color: var(--gold-2);
  font-weight: 700;
  font-family: "Fraunces", serif;
  font-size: 20px;
}

.trust-strip .lbl {
  color: #9aa6c0;
  font-size: 12.5px;
  margin-top: 2px;
}

.quote-card {
  background: var(--panel);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 60px -20px rgba(6, 12, 30, 0.45);
  overflow: hidden;
}

.quote-head {
  background: linear-gradient(135deg, var(--navy-2), #2a4a80);
  padding: 22px 26px 20px;
  color: #fff;
}

.quote-head h3 {
  color: #fff;
  font-size: 19px;
  font-weight: 600;
}

.quote-head .sub {
  color: #b9c2d6;
  font-size: 13px;
  margin-top: 3px;
}

.progress-track {
  margin-top: 16px;
  height: 5px;
  background: rgba(255, 255, 255, 0.18);
  border-radius: 99px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  width: 33%;
  background: var(--gold-2);
  border-radius: 99px;
  transition: width 0.35s ease;
}

.step-label {
  margin-top: 9px;
  font-size: 12px;
  color: #9aa6c0;
}

.quote-body {
  padding: 24px 26px 26px;
}

.quote-body .q {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 14px;
}

.type-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.type-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px 12px;
  text-align: center;
  background: #fff;
  transition: border-color 0.15s ease, background 0.15s ease;
}

.type-card:hover {
  border-color: #c7cedd;
}

.type-card.selected {
  border-color: var(--gold);
  background: var(--gold-tint);
}

.type-card svg {
  width: 22px;
  height: 22px;
  margin: 0 auto 8px;
  color: var(--navy-2);
}

.type-card.selected svg {
  color: var(--gold);
}

.type-card .t {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text);
}

.field {
  margin-bottom: 14px;
}

.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.field input {
  width: 100%;
  padding: 11px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  font-family: inherit;
  color: var(--text);
}

.field input:focus {
  border-color: var(--navy-2);
}

.quote-foot {
  margin-top: 6px;
  text-align: center;
  font-size: 12px;
  color: var(--muted);
}

.quote-foot span {
  color: var(--green);
}

.confirm-box {
  text-align: center;
  padding: 10px 0 4px;
}

.confirm-box .ring {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--green-tint);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 4px auto 16px;
}

.confirm-box .ring svg {
  width: 24px;
  height: 24px;
  color: var(--green);
}

.confirm-box h4 {
  font-family: "Fraunces", serif;
  font-size: 18px;
  color: var(--navy);
  margin-bottom: 6px;
}

.confirm-box p {
  font-size: 13.5px;
  color: var(--muted);
  max-width: 32ch;
  margin: 0 auto;
}

section {
  padding: 78px 0;
}

.section-head {
  max-width: 640px;
  margin-bottom: 44px;
}

.section-head h2 {
  font-size: 32px;
}

.section-head p {
  color: var(--muted);
  font-size: 15.5px;
  margin-top: 12px;
}

.center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.why {
  padding-top: 70px;
  padding-bottom: 70px;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.why-item {
  padding: 34px 30px;
  border-right: 1px solid var(--border);
}

.why-item:last-child {
  border-right: none;
}

.why-item .ic {
  width: 42px;
  height: 42px;
  border-radius: 9px;
  background: var(--navy-tint);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.why-item .ic svg {
  width: 21px;
  height: 21px;
  color: var(--navy-2);
}

.why-item h3 {
  font-size: 17px;
  margin-bottom: 6px;
}

.why-item p {
  color: var(--muted);
  font-size: 14.5px;
}

.carriers {
  background: var(--panel);
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.carrier-tile {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px 14px;
  text-align: center;
  background: var(--bg);
  font-weight: 600;
  font-size: 14.5px;
  color: var(--navy-2);
}

.trademark-note {
  margin-top: 28px;
  border-left: 3px solid var(--gold);
  background: var(--gold-tint);
  padding: 14px 18px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 12.5px;
  color: #6b5416;
  max-width: 900px;
}

.how {
  background: var(--navy-tint);
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
  position: relative;
}

.how-grid::before {
  content: "";
  position: absolute;
  top: 23px;
  left: 16.5%;
  right: 16.5%;
  height: 1.5px;
  background: repeating-linear-gradient(90deg, var(--gold-2) 0 8px, transparent 8px 16px);
  z-index: 0;
}

.how-item {
  position: relative;
  z-index: 1;
}

.how-num {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "Fraunces", serif;
  font-weight: 600;
  font-size: 18px;
  margin-bottom: 18px;
}

.how-item h3 {
  font-size: 17.5px;
  margin-bottom: 7px;
}

.how-item p {
  color: var(--muted);
  font-size: 14.5px;
  max-width: 34ch;
}

.cta-banner {
  background: linear-gradient(120deg, var(--navy), #20395f);
  border-radius: var(--radius-lg);
  padding: 54px 48px;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: "";
  position: absolute;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 169, 58, 0.18), transparent 70%);
  top: -140px;
  right: -80px;
}

.cta-banner h2 {
  color: #fff;
  font-size: 29px;
  position: relative;
}

.cta-banner p {
  color: #b9c2d6;
  margin-top: 10px;
  font-size: 15px;
  position: relative;
}

.cta-banner .btn {
  margin-top: 24px;
  position: relative;
  font-size: 16px;
  padding: 14px 30px;
}

.cta-disclosure {
  max-width: 820px;
  margin: 26px auto 0;
  text-align: center;
  color: var(--muted);
  font-size: 12.5px;
  line-height: 1.7;
}

footer {
  background: var(--navy);
  color: #b9c2d6;
  padding-top: 64px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid h4 {
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 16px;
}

.footer-grid ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-grid ul a {
  font-size: 14px;
  color: #aeb8cc;
}

.footer-grid ul a:hover {
  color: #fff;
}

.foot-about p {
  font-size: 13.5px;
  color: #93a0bc;
  margin-top: 12px;
  max-width: 32ch;
}

.foot-contact li {
  font-size: 13.5px;
  color: #aeb8cc;
  display: flex;
  gap: 9px;
  align-items: flex-start;
}

.foot-contact svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--gold-2);
}

.legal-block {
  padding: 30px 0;
  color: #8896b3;
  font-size: 12px;
  line-height: 1.8;
}

.legal-block p {
  margin-bottom: 12px;
}

.copyright {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 20px 0;
  text-align: center;
  font-size: 12.5px;
  color: #7c8aa6;
}

@media (max-width: 980px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .why-grid,
  .how-grid,
  .carrier-grid,
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .how-grid::before {
    display: none;
  }

  .why-item {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }

  nav.primary {
    display: none;
  }

  .hero h1 {
    font-size: 36px;
  }
}

@media (max-width: 600px) {
  .wrap {
    padding: 0 18px;
  }

  .why-grid,
  .carrier-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

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

  .cta-banner {
    padding: 40px 22px;
  }
}

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

  * {
    transition: none !important;
  }
}