/* ===================== Tokens ===================== */
:root {
  --navy-900: #0a1f2c;
  --navy-800: #0d2b3a;
  --navy-700: #123a4c;
  --teal-600: #1a4f61;
  --gold-500: #ea5d25;
  --gold-600: #d1501d;
  --gold-700: #a83d16;
  --cream-50: #f7f3ea;
  --ink-900: #16283a;
  --ink-700: #33454f;
  --gray-600: #5c6b74;
  --gray-400: #8a97a0;
  --border: #e4e0d4;
  --white: #ffffff;

  --font-display: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --header-height: 77px;
  --container: 1180px;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 2px 10px rgba(10, 31, 44, 0.06);
  --shadow-md: 0 12px 32px rgba(10, 31, 44, 0.12);
}

/* ===================== Reset ===================== */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink-900);
  background: var(--white);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font: inherit; cursor: pointer; }
input, select { font: inherit; }
svg { display: block; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--gold-500);
  color: var(--navy-900);
  padding: 10px 16px;
  z-index: 1000;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 1.15;
  color: var(--ink-900);
}
h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); margin-top: 10px; max-width: 30ch; }
h3 { font-size: 1.05rem; margin-bottom: 8px; }

.text-gold { color: var(--gold-500); }
.text-gold-ink { color: var(--gold-600); }

.eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-700);
  position: relative;
  padding-left: 28px;
}
.eyebrow::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  width: 18px;
  height: 2px;
  background: var(--gold-600);
  transform: translateY(-50%);
}
.eyebrow-light { color: var(--gold-500); }
.eyebrow-light::before { background: var(--gold-500); }
.eyebrow-center { padding-left: 0; text-align: center; }
.eyebrow-center::before { display: none; }

.section-lead {
  margin-top: 14px;
  max-width: 58ch;
  color: var(--gray-600);
  font-size: 1.02rem;
}
.section-lead-light { color: rgba(255,255,255,0.72); }

.section { padding: 96px 0; }
.section-cream { background: var(--cream-50); }

/* ===================== Buttons ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  justify-content: center;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold {
  background: var(--gold-500);
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}
.btn-gold:hover { background: var(--gold-600); }
.btn-outline-light {
  border-color: rgba(255,255,255,0.35);
  color: var(--white);
}
.btn-outline-light:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); }
.btn-outline-dark {
  border-color: var(--border);
  color: var(--navy-800);
}
.btn-outline-dark:hover { background: var(--cream-50); border-color: var(--navy-800); }
.btn-sm { padding: 10px 20px; font-size: 0.88rem; }
.btn-block { width: 100%; }

/* ===================== Header ===================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 31, 44, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 76px;
}
.logo { display: flex; align-items: center; color: var(--white); }
.logo-img { height: 34px; width: auto; }

.main-nav { display: flex; align-items: center; gap: 32px; }
.main-nav a {
  color: rgba(255,255,255,0.82);
  font-size: 0.92rem;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color 0.15s ease;
}
.main-nav a:hover { color: var(--white); }

/* Nav dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown > a svg { opacity: 0.7; }
.nav-dropdown-trigger {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  padding: 0;
  color: rgba(255,255,255,0.82);
  font-family: inherit;
  font-size: 0.92rem;
  font-weight: 500;
  cursor: pointer;
  transition: color 0.15s ease;
}
.nav-dropdown-trigger:hover { color: var(--white); }
.nav-dropdown-trigger svg { opacity: 0.7; transition: transform 0.2s ease; }
.nav-dropdown:hover .nav-dropdown-trigger svg,
.nav-dropdown.is-open .nav-dropdown-trigger svg { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(6px);
  margin-top: 14px;
  min-width: 232px;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 10px;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease;
  z-index: 200;
}
.nav-dropdown-menu::before {
  content: "";
  position: absolute;
  top: -14px;
  left: 0;
  right: 0;
  height: 14px;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.is-open .nav-dropdown-menu,
.nav-dropdown-trigger:focus-visible + .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: 8px;
  color: var(--ink-900);
  font-size: 0.9rem;
  font-weight: 500;
  transition: background 0.15s ease, color 0.15s ease;
}
.nav-dropdown-menu a:hover { background: var(--cream-50); color: var(--gold-700); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
}
.header-phone:hover { color: var(--white); }
.lang-switch {
  display: inline-flex;
  align-items: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  color: rgba(255,255,255,0.85);
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 999px;
  padding: 5px 11px;
  transition: color .15s ease, border-color .15s ease;
}
.lang-switch:hover { color: var(--white); border-color: rgba(255,255,255,0.6); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 32px;
  height: 32px;
  background: none;
  border: none;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform .2s ease, opacity .2s ease;
}

/* ===================== Hero ===================== */
.hero-screen {
  display: flex;
  flex-direction: column;
  min-height: calc(100vh - var(--header-height));
}
.hero {
  position: relative;
  background: radial-gradient(ellipse at 20% 0%, #123f52 0%, var(--navy-800) 45%, var(--navy-900) 100%);
  overflow: hidden;
  padding: 76px 0 120px;
  display: flex;
  align-items: center;
  flex: 1 1 auto;
}
.hero-skyline {
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 190px;
  background:
    linear-gradient(180deg, transparent 0%, rgba(234,93,37,0.10) 100%),
    repeating-linear-gradient(115deg, rgba(255,255,255,0.05) 0 2px, transparent 2px 44px);
  clip-path: polygon(
    0% 100%, 0% 70%, 5% 55%, 10% 68%, 16% 40%, 20% 60%, 27% 30%, 33% 58%,
    40% 45%, 46% 20%, 52% 50%, 58% 35%, 64% 55%, 70% 25%, 76% 52%, 82% 38%,
    88% 60%, 94% 48%, 100% 65%, 100% 100%
  );
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
  z-index: 1;
}
.hero-lead {
  margin-top: 20px;
  max-width: 46ch;
  color: rgba(255,255,255,0.72);
  font-size: 1.05rem;
}
.hero h1 { color: var(--white); font-size: clamp(2.2rem, 4vw, 3.1rem); }
.hero-ctas { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }
.hero-rating {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 34px;
  color: rgba(255,255,255,0.68);
  font-size: 0.88rem;
}
.stars { color: var(--gold-500); letter-spacing: 2px; }

.hero-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 20px;
  backdrop-filter: blur(6px);
  transition: background .18s ease, transform .18s ease;
}
.hero-card:hover { background: rgba(255,255,255,0.1); transform: translateY(-2px); }
.hero-card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(234,93,37,0.15);
  color: var(--gold-500);
  margin-bottom: 14px;
}
.hero-card-title {
  display: block;
  color: var(--white);
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 6px;
}
.hero-card-text {
  display: block;
  color: rgba(255,255,255,0.6);
  font-size: 0.82rem;
  line-height: 1.4;
}
.hero-card-wide {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  background: rgba(234,93,37,0.12);
  border-color: rgba(234,93,37,0.3);
  color: var(--gold-500);
}
.hero-card-wide .hero-card-text { color: var(--gold-500); font-size: 0.85rem; font-weight: 500; }

/* ===================== Stats bar ===================== */
.stats-bar {
  background: var(--navy-800);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 34px 0;
  flex: 0 0 auto;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  text-align: center;
}
.stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.stat:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 600;
  color: var(--gold-500);
}
.stat-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
}

/* ===================== Who we protect ===================== */
.protect-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 48px;
}
.protect-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 34px;
  box-shadow: var(--shadow-sm);
}
.tag {
  display: inline-flex;
  align-items: center;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.tag-navy { background: rgba(13,43,58,0.08); color: var(--navy-800); }
.tag-gold { background: rgba(234,93,37,0.15); color: var(--gold-700); }
.protect-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--cream-50);
  color: var(--navy-800);
  margin-bottom: 16px;
}
.protect-card p { color: var(--gray-600); margin: 10px 0 18px; }
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 22px; }
.pill-list li {
  font-size: 0.76rem;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--cream-50);
  color: var(--ink-700);
  border: 1px solid var(--border);
}
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy-800);
  transition: gap .15s ease;
}
.check-list + .link-arrow { margin-top: 24px; }
.link-arrow:hover { gap: 10px; color: var(--gold-700); }

/* ===================== Coverages ===================== */
.coverage-group { margin-top: 48px; }
.coverage-group + .coverage-group { margin-top: 56px; }
.coverage-group .cov-grid { margin-top: 20px; }
.cov-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.cov-grid-4 { grid-template-columns: repeat(4, 1fr); }
.cov-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 26px;
  transition: box-shadow .18s ease, transform .18s ease;
}
.cov-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.cov-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--cream-50);
  color: var(--navy-800);
  margin-bottom: 14px;
}
.cov-tag {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-700);
  margin-bottom: 8px;
}
.cov-card p { color: var(--gray-600); font-size: 0.92rem; margin-bottom: 16px; }
.cov-card-cta {
  background: var(--navy-800);
  border-color: var(--navy-800);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.cov-card-cta h3 { color: var(--white); font-size: 1.2rem; }
.cov-card-cta p { color: rgba(255,255,255,0.65); }

/* ===================== Steps ===================== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
  position: relative;
}
.steps::before {
  content: "";
  position: absolute;
  top: 22px;
  left: 8%;
  right: 8%;
  height: 0;
  border-top: 2px dashed var(--border);
  z-index: 0;
}
.step { position: relative; z-index: 1; }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--gold-500);
  font-family: var(--font-display);
  font-weight: 600;
  margin-bottom: 20px;
}
.step p { color: var(--gray-600); }

/* ===================== Partners band ===================== */
.partners-band {
  background: var(--navy-800);
  padding: 64px 0;
  text-align: center;
}
.partners-mark {
  color: var(--gold-500);
  display: flex;
  justify-content: center;
  margin: 18px 0 30px;
}
.partners-list {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px 28px;
}
.partners-list li {
  color: rgba(255,255,255,0.55);
  font-family: var(--font-display);
  font-size: 1rem;
}

/* ===================== Team section ===================== */
.team-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 56px;
  align-items: center;
}
.team-visual-inner {
  position: relative;
  aspect-ratio: 1 / 0.95;
  background: linear-gradient(160deg, var(--navy-700), var(--navy-900));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}
.team-shield { color: var(--gold-500); }
.team-icon {
  position: absolute;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255,255,255,0.08);
  color: var(--gold-500);
}
.team-icon-1 { top: 12%; left: 14%; }
.team-icon-2 { top: 12%; right: 14%; }
.team-icon-3 { bottom: 12%; left: 14%; }
.team-icon-4 { bottom: 12%; right: 14%; }
.check-list { margin-top: 26px; display: flex; flex-direction: column; gap: 14px; }
.check-list li {
  position: relative;
  padding-left: 30px;
  color: var(--gray-600);
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 4px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold-500);
}
.check-list li::after {
  content: "";
  position: absolute;
  left: 5px;
  top: 8.5px;
  width: 8px;
  height: 4.5px;
  border-left: 2px solid var(--navy-900);
  border-bottom: 2px solid var(--navy-900);
  transform: rotate(-45deg);
}
.check-list-light li { color: rgba(255,255,255,0.72); }

/* ===================== Testimonials ===================== */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.testimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.testimonial p {
  margin: 16px 0 20px;
  color: var(--ink-700);
  font-size: 0.96rem;
}
.testimonial footer { display: flex; flex-direction: column; font-size: 0.85rem; }
.testimonial footer span { color: var(--gray-400); margin-top: 2px; }

/* ===================== Quote / Contact ===================== */
.quote-section {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900));
}
.quote-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 56px;
  align-items: start;
}
.quote-copy h2 { color: var(--white); }
.quote-cta-row { display: flex; gap: 14px; margin-top: 34px; flex-wrap: wrap; }

.quote-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-md);
}
.quote-form-title { font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; }
.quote-form-sub { color: var(--gray-600); font-size: 0.88rem; margin-top: 6px; margin-bottom: 20px; }

.quote-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  background: var(--cream-50);
  padding: 6px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.quote-tab {
  border: none;
  background: transparent;
  padding: 9px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gray-600);
  flex: 1 1 auto;
  white-space: nowrap;
}
.quote-tab.is-active { background: var(--navy-800); color: var(--white); }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 0.8rem; font-weight: 600; color: var(--ink-700); }
.form-field input, .form-field select {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  font-size: 0.92rem;
  color: var(--ink-900);
  background: var(--white);
}
.form-field input:focus, .form-field select:focus {
  outline: 2px solid var(--gold-500);
  outline-offset: 1px;
  border-color: var(--gold-500);
}
.quote-form-card .btn-block { margin-top: 6px; }
.form-note {
  display: flex;
  align-items: center;
  gap: 6px;
  justify-content: center;
  margin-top: 14px;
  font-size: 0.78rem;
  color: var(--gray-400);
}
.form-status {
  margin-top: 12px;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  min-height: 1.2em;
}
.form-status.success { color: #2f8f5b; }
.form-status.error { color: #c0392b; }

/* ===================== Footer ===================== */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,0.7); padding-top: 72px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo-footer { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: 0.9rem; line-height: 1.6; max-width: 34ch; }
.social-row { display: flex; gap: 10px; margin-top: 20px; }
.social-row a {
  width: 34px; height: 34px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.8);
  transition: background .15s ease;
}
.social-row a:hover { background: var(--gold-500); color: var(--navy-900); }

.footer-col h3 {
  color: var(--white);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  margin-bottom: 18px;
  font-family: var(--font-body);
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a { font-size: 0.9rem; }
.footer-col a:hover { color: var(--white); }
.footer-contact ul { gap: 14px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.88rem; }
.footer-contact svg { flex-shrink: 0; margin-top: 3px; color: var(--gold-500); }

.footer-bottom { padding: 22px 0; }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-legal { display: flex; gap: 22px; }
.footer-legal a:hover { color: var(--white); }

/* ===================== Inner page hero & article ===================== */
.page-hero {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900));
  padding: 56px 0 72px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 24px;
}
.breadcrumb a { color: rgba(255,255,255,0.75); }
.breadcrumb a:hover { color: var(--white); }
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.6rem); margin-top: 8px; max-width: 26ch; }
.page-hero .hero-lead { max-width: 62ch; }
.page-hero .hero-ctas { margin-top: 30px; }

.article-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 48px;
  align-items: start;
}
.article-copy p {
  color: var(--gray-600);
  margin: 0 0 18px;
  font-size: 1.02rem;
  line-height: 1.75;
}
.article-copy .btn { margin-top: 8px; }

.peril-card {
  background: var(--cream-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px;
  position: sticky;
  top: 100px;
}
.peril-card h3 { margin-bottom: 18px; }
.peril-list { display: flex; flex-direction: column; gap: 12px; }
.peril-list li {
  position: relative;
  padding-left: 24px;
  color: var(--ink-700);
  font-weight: 500;
  font-size: 0.94rem;
}
.peril-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
}
.peril-list.is-muted li::before { background: var(--gray-400); }
.peril-card.is-muted { background: var(--white); border-color: var(--border); }

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

.notice-box {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--cream-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-top: 40px;
}
.notice-box svg { flex-shrink: 0; color: var(--gold-600); margin-top: 2px; }
.notice-box p { margin: 0; color: var(--ink-700); font-size: 0.94rem; line-height: 1.6; }
.notice-box strong { color: var(--ink-900); }

/* Plan tier cards */
.plan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
  align-items: stretch;
}
.plan-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.plan-card.is-featured { border-color: var(--gold-500); box-shadow: var(--shadow-md); position: relative; }
.plan-featured-tag {
  position: absolute;
  top: -13px;
  left: 32px;
  background: var(--gold-500);
  color: var(--navy-900);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
}
.plan-card h3 { font-size: 1.2rem; }
.plan-card-desc { color: var(--gray-600); font-size: 0.9rem; margin-top: 4px; }
.plan-features {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 24px 0;
  flex: 1;
}
.plan-features li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.9rem;
  color: var(--ink-700);
  line-height: 1.4;
}
.plan-features li svg { flex-shrink: 0; margin-top: 2px; }
.plan-features li.is-included svg { color: var(--gold-600); }
.plan-features li.is-excluded { color: var(--gray-400); }
.plan-features li.is-excluded svg { color: var(--gray-400); }
.plan-best-for {
  margin-top: auto;
  padding-top: 18px;
  border-top: 1px solid var(--border);
  font-size: 0.85rem;
}
.plan-best-for strong { display: block; color: var(--ink-900); margin-bottom: 4px; }
.plan-best-for span { color: var(--gray-600); }
.plan-card .btn { margin-top: 22px; }

/* Long-form blog article */
.blog-layout {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
  align-items: start;
}
.blog-byline {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  margin-top: 18px;
}
.blog-byline span:not(:last-child)::after { content: "\2022"; margin-left: 10px; }
.article-body h2 { margin-top: 48px; margin-bottom: 6px; font-size: 1.5rem; }
.article-body h2:first-child { margin-top: 0; }
.article-body h3 { margin-top: 28px; margin-bottom: 4px; }
.article-body p {
  color: var(--gray-600);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 18px;
}
.article-body strong { color: var(--ink-900); }
.article-body ul {
  margin: 0 0 18px;
  padding-left: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.article-body ul li {
  position: relative;
  padding-left: 22px;
  color: var(--gray-600);
  line-height: 1.6;
}
.article-body ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 9px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-500);
}

.table-scroll {
  overflow-x: auto;
  margin: 32px 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  -webkit-overflow-scrolling: touch;
}
.data-table { width: 100%; border-collapse: collapse; min-width: 760px; font-size: 0.86rem; }
.data-table th,
.data-table td {
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.data-table th {
  background: var(--cream-50);
  font-weight: 700;
  color: var(--ink-900);
  white-space: nowrap;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table td { color: var(--gray-600); line-height: 1.5; }

.inline-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  background: var(--cream-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 22px 24px;
  margin: 32px 0;
}
.inline-cta p { margin: 0; color: var(--ink-700); font-size: 0.94rem; flex: 1 1 260px; }
.inline-cta strong { color: var(--ink-900); }

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

/* ===================== Responsive ===================== */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-cards { margin-top: 8px; }
  .protect-grid { grid-template-columns: 1fr; }
  .cov-grid, .cov-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; gap: 40px; }
  .steps::before { display: none; }
  .team-grid { grid-template-columns: 1fr; }
  .team-visual { max-width: 420px; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .quote-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .article-grid { grid-template-columns: 1fr; }
  .peril-card { position: static; }
  .plan-grid { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .main-nav { display: none; }
  .header-phone span { display: none; }
  .nav-toggle { display: flex; }
  .stats-grid { grid-template-columns: 1fr 1fr; row-gap: 20px; }
  .stat:nth-child(2) { border-right: none; }
  .cov-grid, .cov-grid-4, .cov-grid-2 { grid-template-columns: 1fr; }
  .hero-cards { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .section { padding: 64px 0; }
  h2 { max-width: none; }
}

/* Mobile nav drawer */
@media (max-width: 760px) {
  .main-nav.is-open {
    display: flex;
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    background: var(--navy-900);
    flex-direction: column;
    padding: 20px 24px 28px;
    gap: 18px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .nav-toggle.is-active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle.is-active span:nth-child(2) { opacity: 0; }
  .nav-toggle.is-active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  .main-nav.is-open .nav-dropdown { width: 100%; }
  .main-nav.is-open .nav-dropdown-trigger { width: 100%; justify-content: space-between; }
  .main-nav.is-open .nav-dropdown-menu {
    position: static;
    display: none;
    opacity: 1;
    visibility: visible;
    transform: none;
    margin: 10px 0 0;
    padding: 4px 0 4px 14px;
    background: transparent;
    box-shadow: none;
    border-left: 1px solid rgba(255,255,255,0.14);
    border-radius: 0;
  }
  .main-nav.is-open .nav-dropdown-menu::before { display: none; }
  .main-nav.is-open .nav-dropdown.is-open .nav-dropdown-menu { display: block; }
  .main-nav.is-open .nav-dropdown-menu a { color: rgba(255,255,255,0.75); padding: 9px 4px; }
  .main-nav.is-open .nav-dropdown-menu a:hover { background: none; color: var(--white); }
}