/* ============================================================
   Flash Insurance — design v2
   Professional independent-agency system. Mobile-first, no
   frameworks, system-font fallbacks. Works everywhere.
   ============================================================ */
:root {
  --navy: #0b2545;
  --navy-2: #10315e;
  --navy-dark: #071a33;
  --navy-deep: #050f22;
  --amber: #ffb703;
  --amber-dark: #d99a00;
  --amber-soft: #fff7e0;
  --ink: #17233c;
  --muted: #5b6b8c;
  --faint: #8a97b5;
  --line: #e3e9f3;
  --bg: #ffffff;
  --bg-soft: #f4f7fc;
  --bg-tint: #eef3fa;
  --green: #1e8449;
  --green-soft: #eaf7ef;
  --red: #c0392b;
  --red-soft: #fdf0f0;
  --radius: 16px;
  --radius-lg: 22px;
  --shadow: 0 12px 34px rgba(11, 37, 69, 0.10);
  --shadow-lg: 0 22px 60px rgba(11, 37, 69, 0.16);
  --font: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI",
          Roboto, "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
.container { width: min(1180px, 92%); margin: 0 auto; }
section { padding: 76px 0; }
h1, h2, h3, h4 { line-height: 1.18; letter-spacing: -0.02em; color: var(--navy); font-weight: 800; }
h1 { font-size: clamp(2.1rem, 5.2vw, 3.5rem); }
/* In-content h1s (SEO) keep section-heading sizing */
.section-head h1 { font-size: clamp(1.65rem, 3.6vw, 2.45rem); margin-bottom: 14px; }
h2 { font-size: clamp(1.65rem, 3.6vw, 2.45rem); margin-bottom: 14px; }
h3 { font-size: 1.22rem; margin-bottom: 8px; }
.lead { font-size: 1.13rem; color: var(--muted); max-width: 660px; }
.section-kicker {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.78rem; font-weight: 800; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--amber-dark); margin-bottom: 12px;
}
.section-kicker::before { content: ""; width: 26px; height: 3px; border-radius: 3px; background: var(--amber); }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.center .section-kicker::before { display: none; }

/* ---------- Reveal on scroll (JS enhances; content visible without JS) ---------- */
html.js .reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s ease, transform 0.7s cubic-bezier(0.22, 1, 0.36, 1); }
html.js .reveal.in { opacity: 1; transform: none; }
html.js .reveal-d1 { transition-delay: 0.08s; }
html.js .reveal-d2 { transition-delay: 0.16s; }
html.js .reveal-d3 { transition-delay: 0.24s; }
@media (prefers-reduced-motion: reduce) {
  html.js .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 16px 32px; border-radius: 999px; font-weight: 800; font-size: 1.02rem;
  font-family: inherit; text-decoration: none; border: 0; cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
  min-height: 54px; line-height: 1.2; white-space: nowrap;
}
.btn-primary { background: linear-gradient(180deg, #ffc533, var(--amber)); color: var(--navy-deep); box-shadow: 0 8px 24px rgba(255, 183, 3, 0.38); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 14px 32px rgba(255, 183, 3, 0.48); }
.btn-outline { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,0.6); box-shadow: none; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.10); transform: translateY(-2px); }
.btn-dark { background: var(--navy); color: #fff; box-shadow: 0 8px 22px rgba(11,37,69,0.28); }
.btn-dark:hover { background: var(--navy-2); transform: translateY(-2px); }
.btn-light { background: #fff; color: var(--navy); box-shadow: var(--shadow); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-block { width: 100%; }
.btn-sm { padding: 11px 22px; font-size: 0.92rem; min-height: 46px; }
.btn .arr { font-weight: 900; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.25s ease;
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(11,37,69,0.10); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 10px 0; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo img { height: 46px; width: auto; }
.logo-mark {
  width: 44px; height: 44px; border-radius: 13px; flex: none;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 16px rgba(11,37,69,0.25);
}
.logo-mark svg { width: 24px; height: 24px; }
.logo-img { height: 46px; width: auto; }
.logo-word { display: flex; flex-direction: column; line-height: 1.1; }
.logo-word b { font-size: 1.28rem; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }
.logo-word small { font-size: 0.66rem; font-weight: 700; color: var(--faint); letter-spacing: 0.16em; text-transform: uppercase; margin-top: 2px; }
.nav { display: none; gap: 4px; align-items: center; }
.nav a {
  text-decoration: none; font-weight: 700; color: var(--ink); font-size: 0.96rem;
  padding: 10px 14px; border-radius: 10px; transition: background 0.15s, color 0.15s;
}
.nav a:hover { background: var(--bg-tint); color: var(--navy); }
.nav a.active { color: var(--navy); background: var(--amber-soft); }
.header-cta { display: flex; align-items: center; gap: 12px; }
.header-phone {
  display: none; align-items: center; gap: 9px; font-weight: 800; color: var(--navy);
  text-decoration: none; font-size: 1.04rem; padding: 10px 16px 10px 12px;
  border: 1px solid var(--line); border-radius: 999px; background: #fff;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.header-phone:hover { border-color: var(--amber); box-shadow: 0 4px 14px rgba(255,183,3,0.25); }
.header-phone .ph-ic {
  width: 34px; height: 34px; border-radius: 50%; background: var(--green-soft);
  display: inline-flex; align-items: center; justify-content: center; font-size: 1rem; flex: none;
}
.header-cta .btn { min-height: 48px; padding: 12px 26px; font-size: 0.96rem; }
.menu-toggle { display: inline-flex; background: var(--bg-soft); border: 1px solid var(--line); border-radius: 12px; cursor: pointer; padding: 10px; }
.menu-toggle svg { width: 24px; height: 24px; stroke: var(--navy); }
.mobile-nav { display: none; border-top: 1px solid var(--line); background: #fff; padding: 10px 4% 20px; }
.mobile-nav.open { display: block; animation: slideDown 0.22s ease; }
@keyframes slideDown { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
.mobile-nav a {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 6px; text-decoration: none; font-weight: 700; color: var(--navy);
  border-bottom: 1px solid var(--line); font-size: 1.02rem;
}
.mobile-nav a:last-child { border-bottom: 0; }
.mobile-nav a .arr { color: var(--faint); }
.mobile-nav .m-cta { margin-top: 12px; }

/* ---------- Hero (photo-forward) ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background: linear-gradient(120deg, var(--navy-deep) 0%, var(--navy-dark) 45%, #12315f 100%);
  padding: 0;
}
.hero-grid {
  display: grid; gap: 44px; align-items: center;
  padding: 72px 0 64px; position: relative; z-index: 2;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(255,255,255,0.09); border: 1px solid rgba(255,255,255,0.20);
  padding: 9px 18px; border-radius: 999px; font-size: 0.85rem; font-weight: 700;
  color: #dbe4f5; margin-bottom: 22px; -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
}
.hero-badge .dot { width: 9px; height: 9px; border-radius: 50%; background: #34d399; box-shadow: 0 0 0 4px rgba(52,211,153,0.22); animation: pulse 2.2s infinite; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 4px rgba(52,211,153,0.22); } 50% { box-shadow: 0 0 0 8px rgba(52,211,153,0.08); } }
.hero h1 { color: #fff; margin-bottom: 18px; }
.hero h1 .accent {
  color: var(--amber);
  background: linear-gradient(180deg, #ffd166, var(--amber));
  -webkit-background-clip: text; background-clip: text;
}
.hero .lead { color: #c3d0e8; margin-bottom: 30px; font-size: 1.16rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 16px; }
.hero-note { font-size: 0.92rem; color: #93a5c6; }
.hero-note strong { color: var(--amber); }
.hero-proof { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 26px; }
.hero-proof span { display: inline-flex; align-items: center; gap: 8px; font-size: 0.92rem; font-weight: 600; color: #aebddb; }
.hero-proof .tick {
  width: 22px; height: 22px; border-radius: 50%; background: rgba(52,211,153,0.16);
  color: #34d399; display: inline-flex; align-items: center; justify-content: center;
  font-size: 0.8rem; font-weight: 900; flex: none;
}
.hero-media { position: relative; }
.hero-media .photo-frame {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,0.18); transform: rotate(1.5deg);
  transition: transform 0.4s ease;
}
.hero-media:hover .photo-frame { transform: rotate(0deg) scale(1.01); }
.hero-media img { width: 100%; height: clamp(280px, 34vw, 460px); object-fit: cover; }
.float-card {
  position: absolute; background: rgba(255,255,255,0.98); color: var(--navy);
  border-radius: 16px; padding: 14px 18px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px; -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  animation: floaty 5s ease-in-out infinite;
}
.float-card .fc-ic { width: 42px; height: 42px; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; font-size: 1.3rem; flex: none; }
.float-card b { display: block; font-size: 0.95rem; line-height: 1.25; }
.float-card small { color: var(--muted); font-size: 0.78rem; font-weight: 600; }
.fc-1 { top: 6%; left: -26px; }
.fc-1 .fc-ic { background: var(--green-soft); }
.fc-2 { bottom: 8%; right: -18px; animation-delay: 2.4s; }
.fc-2 .fc-ic { background: var(--amber-soft); }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.hero-blob { position: absolute; border-radius: 50%; filter: blur(90px); opacity: 0.5; pointer-events: none; z-index: 1; }
.hb-1 { width: 480px; height: 480px; background: #1b4a8a; top: -160px; right: -120px; animation: drift 14s ease-in-out infinite; }
.hb-2 { width: 380px; height: 380px; background: rgba(255,183,3,0.16); bottom: -140px; left: -100px; animation: drift 18s ease-in-out infinite reverse; }
@keyframes drift { 0%,100% { transform: translate(0,0); } 50% { transform: translate(40px, 30px); } }

/* ---------- Trust bar ---------- */
.trustbar { background: #fff; border-bottom: 1px solid var(--line); padding: 20px 0; }
.trustbar-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 40px; }
.trustbar-row span { display: inline-flex; align-items: center; gap: 10px; font-size: 0.93rem; font-weight: 700; color: var(--navy); }
.trustbar-row .t-ic {
  width: 36px; height: 36px; border-radius: 11px; background: var(--bg-tint);
  display: inline-flex; align-items: center; justify-content: center; font-size: 1.05rem; flex: none;
}

/* ---------- Coverage cards ---------- */
.cov-grid { display: grid; gap: 20px; margin-top: 36px; }
.cov-card {
  border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: #fff;
  display: flex; flex-direction: column; text-decoration: none; color: inherit;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.cov-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.cov-card .ph { height: 190px; overflow: hidden; position: relative; }
.cov-card .ph img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.cov-card:hover .ph img { transform: scale(1.06); }
.cov-card .ph .tag {
  position: absolute; top: 14px; left: 14px; background: rgba(7,26,51,0.82); color: #fff;
  font-size: 0.74rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 7px 14px; border-radius: 999px; -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px);
}
.cov-card .body { padding: 26px 26px 28px; flex: 1; display: flex; flex-direction: column; }
.cov-card h3 { font-size: 1.3rem; margin-bottom: 8px; }
.cov-card p { color: var(--muted); font-size: 0.97rem; flex: 1; margin-bottom: 16px; }
.cov-card .link { font-weight: 800; color: var(--amber-dark); display: inline-flex; align-items: center; gap: 8px; }
.cov-card .link .arr { transition: transform 0.2s; }
.cov-card:hover .link .arr { transform: translateX(5px); }

/* ---------- Why / feature grid ---------- */
.why-grid { display: grid; gap: 20px; margin-top: 36px; }
.why-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px; box-shadow: 0 4px 18px rgba(11,37,69,0.05);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.why-card .w-ic {
  width: 52px; height: 52px; border-radius: 15px; margin-bottom: 18px;
  display: flex; align-items: center; justify-content: center; font-size: 1.5rem;
  background: linear-gradient(135deg, var(--amber-soft), #ffe9b8);
  box-shadow: inset 0 0 0 1px rgba(217,154,0,0.25);
}
.why-card h3 { margin-bottom: 8px; }
.why-card p { color: var(--muted); font-size: 0.97rem; }

/* ---------- VS compare ---------- */
.vs-compare { display: grid; gap: 16px; margin-top: 32px; }
.vs-box { border-radius: var(--radius-lg); padding: 30px 28px; }
.vs-box.bad { background: var(--red-soft); border: 1px solid #f0c4c4; }
.vs-box.good {
  background: linear-gradient(135deg, #0e2c57 0%, var(--navy) 100%); color: #fff;
  border: 1px solid rgba(255,255,255,0.1); box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.vs-box.good::after { content: ""; position: absolute; top: -60px; right: -60px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, rgba(255,183,3,0.28), transparent 70%); }
.vs-box h3 { margin-bottom: 12px; display: flex; align-items: center; gap: 10px; }
.vs-box h3::before {
  content: ""; flex: 0 0 30px; width: 30px; height: 30px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 0.95rem;
}
.vs-box.bad h3::before { content: "✕"; background: #fbe3e3; color: var(--red); }
.vs-box.good h3::before { content: "✓"; background: rgba(255,183,3,0.22); color: var(--amber); }
.vs-box.good h3 { color: #fff; }
.vs-box ul { list-style: none; position: relative; z-index: 1; }
.vs-box li { padding: 8px 0 8px 32px; position: relative; font-size: 0.98rem; }
.vs-box.bad li { color: #7a4a44; }
.vs-box.good li { color: #dbe4f5; }
.vs-box.bad li::before { content: "✕"; position: absolute; left: 4px; color: var(--red); font-weight: 900; }
.vs-box.good li::before {
  content: "✓"; position: absolute; left: 2px; top: 8px; width: 22px; height: 22px; border-radius: 50%;
  background: rgba(255,183,3,0.2); color: var(--amber); font-weight: 900; font-size: 0.8rem;
  display: inline-flex; align-items: center; justify-content: center;
}

/* ---------- Stats ---------- */
.stats { background: linear-gradient(135deg, var(--navy-dark), var(--navy-deep)); color: #fff; }
.stats h2 { color: #fff; }
.stats .lead { color: #aebddb; }
.stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 36px; }
.stat {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg); padding: 30px 24px; text-align: center;
  transition: transform 0.2s ease, background 0.2s ease;
}
.stat:hover { transform: translateY(-4px); background: rgba(255,255,255,0.08); }
.stat .num { font-size: clamp(2.2rem, 5vw, 3.2rem); font-weight: 800; color: var(--amber); letter-spacing: -0.03em; line-height: 1; }
.stat .lbl { margin-top: 10px; color: #aebddb; font-size: 0.95rem; font-weight: 600; }

/* ---------- Steps ---------- */
.steps { display: grid; gap: 20px; margin-top: 38px; counter-reset: step; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px 28px 30px; position: relative; margin-top: 20px;
  box-shadow: 0 4px 18px rgba(11,37,69,0.05); transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; top: -22px; left: 28px;
  width: 46px; height: 46px; border-radius: 50%;
  background: linear-gradient(180deg, #ffc533, var(--amber)); color: var(--navy-deep);
  font-weight: 800; display: flex; align-items: center; justify-content: center; font-size: 1.2rem;
  box-shadow: 0 8px 18px rgba(255,183,3,0.4);
}
.step h3 { margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 0.97rem; }

/* ---------- Reviews ---------- */
.reviews { background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy-deep) 100%); color: #fff; position: relative; overflow: hidden; }
.reviews::before { content: ""; position: absolute; width: 600px; height: 600px; border-radius: 50%; background: radial-gradient(circle, rgba(255,183,3,0.10), transparent 70%); top: -200px; left: -200px; }
.reviews h2 { color: #fff; }
.reviews .lead { color: #aebddb; }
.review-grid { display: grid; gap: 20px; margin-top: 36px; position: relative; z-index: 1; }
.review-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-lg); padding: 28px; -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
  transition: transform 0.2s ease, background 0.2s ease;
}
.review-card:hover { transform: translateY(-4px); background: rgba(255,255,255,0.09); }
.review-card .stars { color: var(--amber); letter-spacing: 3px; margin-bottom: 12px; font-size: 1.05rem; }
.review-card p { font-size: 0.99rem; color: #dbe4f5; }
.review-card .who { margin-top: 16px; font-size: 0.88rem; color: #93a5c6; font-weight: 700; }
.review-cta { margin-top: 34px; text-align: center; position: relative; z-index: 1; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 32px auto 0; }
.faq-item { border: 1px solid var(--line); border-radius: 14px; margin-bottom: 12px; overflow: hidden; background: #fff; transition: box-shadow 0.2s ease; }
.faq-item:hover { box-shadow: 0 6px 18px rgba(11,37,69,0.07); }
.faq-item summary { padding: 20px 24px; font-weight: 700; cursor: pointer; list-style: none; color: var(--navy); display: flex; justify-content: space-between; align-items: center; gap: 14px; font-size: 1.02rem; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .pm {
  flex: none; width: 32px; height: 32px; border-radius: 50%; background: var(--amber-soft);
  color: var(--amber-dark); font-weight: 900; font-size: 1.15rem; line-height: 1;
  display: inline-flex; align-items: center; justify-content: center; transition: transform 0.25s ease, background 0.2s;
}
.faq-item[open] summary .pm { transform: rotate(45deg); background: var(--amber); color: var(--navy-deep); }
.faq-item .a { padding: 0 24px 22px; color: var(--muted); font-size: 0.98rem; }
.faq-item .a a { color: var(--amber-dark); font-weight: 700; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, #ffc533 0%, var(--amber) 55%, #ff9d00 100%); color: var(--navy-deep); text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; width: 500px; height: 500px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,0.35), transparent 70%); top: -250px; right: -150px; }
.cta-band h2 { color: var(--navy-deep); position: relative; }
.cta-band .lead { color: #5a4300; margin: 0 auto 28px; position: relative; }
.cta-band .row { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; position: relative; }
.cta-band .alt { margin-top: 20px; font-size: 0.96rem; font-weight: 600; position: relative; }
.cta-band .alt a { font-weight: 800; text-decoration: underline; }

/* ---------- Split feature (photo + text) ---------- */
.split { display: grid; gap: 40px; align-items: center; }
.split .ph { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.split .ph img { width: 100%; height: clamp(260px, 30vw, 420px); object-fit: cover; transition: transform 0.5s ease; }
.split .ph:hover img { transform: scale(1.04); }
.split ul.ticks { list-style: none; margin-top: 20px; }
.split ul.ticks li { padding: 10px 0 10px 40px; position: relative; font-size: 1rem; }
.split ul.ticks li::before {
  content: "✓"; position: absolute; left: 0; top: 10px; width: 28px; height: 28px; border-radius: 50%;
  background: var(--green-soft); color: var(--green); font-weight: 900; font-size: 0.85rem;
  display: inline-flex; align-items: center; justify-content: center;
}

/* ---------- Service hub ---------- */
.hub-grid { display: grid; gap: 16px; margin-top: 32px; }
.hub-card {
  display: flex; align-items: center; gap: 18px; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 22px 24px; text-decoration: none; background: #fff;
  transition: box-shadow 0.2s ease, transform 0.2s ease, border-color 0.2s ease;
}
.hub-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: var(--amber); }
.hub-card .icon {
  width: 54px; height: 54px; border-radius: 16px; flex: none;
  background: linear-gradient(135deg, var(--bg-tint), #e2eaf7);
  display: inline-flex; align-items: center; justify-content: center; font-size: 1.6rem;
}
.hub-card strong { display: block; color: var(--navy); font-size: 1.05rem; }
.hub-card span { font-size: 0.92rem; color: var(--muted); }

/* ---------- Footer ---------- */
footer { background: linear-gradient(180deg, var(--navy-dark), var(--navy-deep)); color: #aebddb; padding: 64px 0 0; font-size: 0.94rem; }
.footer-grid { display: grid; gap: 36px; padding-bottom: 44px; }
footer .f-brand p { margin-top: 14px; font-size: 0.92rem; max-width: 300px; }
footer h4 { color: #fff; margin-bottom: 16px; font-size: 1rem; letter-spacing: 0.02em; }
footer ul { list-style: none; }
footer li { margin-bottom: 10px; }
footer a { color: #aebddb; text-decoration: none; transition: color 0.15s; }
footer a:hover { color: var(--amber); }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact a { color: #fff; font-weight: 700; }
.footer-hours { margin-top: 14px; font-size: 0.88rem; color: #7c8db0; }
.footer-license { margin-top: 14px; font-size: 0.82rem; color: #7c8db0; border-top: 1px solid rgba(255,255,255,0.10); padding-top: 14px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); padding: 24px 0; display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; font-size: 0.85rem; color: #7c8db0; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(120deg, var(--navy-deep) 0%, var(--navy-dark) 55%, #12315f 100%);
  color: #fff; padding: 70px 0 60px; position: relative; overflow: hidden;
}
.page-hero::after { content: ""; position: absolute; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(255,183,3,0.16), transparent 70%); top: -140px; right: -100px; }
.page-hero h1 { color: #fff; margin-bottom: 14px; position: relative; z-index: 1; }
.page-hero .lead { color: #c3d0e8; position: relative; z-index: 1; }
.page-hero .hero-ctas { margin-top: 26px; position: relative; z-index: 1; }
.breadcrumb { font-size: 0.86rem; color: #93a5c6; margin-bottom: 16px; position: relative; z-index: 1; }
.breadcrumb a { color: #93a5c6; text-decoration: none; }
.breadcrumb a:hover { color: var(--amber); }

/* ---------- Coverage page extras ---------- */
.cover-points { display: grid; gap: 16px; margin-top: 30px; }
.cover-point { display: flex; gap: 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; transition: transform 0.2s, box-shadow 0.2s; }
.cover-point:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.cover-point .cp-ic { width: 50px; height: 50px; border-radius: 14px; background: var(--amber-soft); display: inline-flex; align-items: center; justify-content: center; font-size: 1.4rem; flex: none; }
.cover-point h3 { font-size: 1.08rem; margin-bottom: 4px; }
.cover-point p { color: var(--muted); font-size: 0.94rem; }
.discount-grid { display: grid; gap: 14px; margin-top: 28px; }
.discount { background: var(--green-soft); border: 1px solid #cde8d6; border-radius: 14px; padding: 20px 22px; }
.discount b { color: var(--navy); display: block; margin-bottom: 4px; }
.discount span { color: #3c6b4c; font-size: 0.93rem; }
.checklist { list-style: none; margin: 0 0 18px; }
.checklist li { padding: 10px 0 10px 38px; position: relative; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 10px; width: 26px; height: 26px; border-radius: 50%;
  background: var(--green-soft); color: var(--green); font-weight: 900; font-size: 0.8rem;
  display: inline-flex; align-items: center; justify-content: center;
}

/* ---------- Quote / wizard / quiz (refined) ---------- */
.quote-layout { display: grid; gap: 30px; margin-top: 10px; }
.wiz-wrap, .quiz-wrap { max-width: 760px; margin: 0 auto; }
.wiz-card, .quiz-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); padding: clamp(1.4rem, 4vw, 2.4rem);
}
.wiz-progress, .quiz-progress { height: 10px; background: var(--bg-tint); border-radius: 99px; overflow: hidden; margin-bottom: 0.6rem; }
.wiz-progress span, .quiz-progress span { display: block; height: 100%; background: linear-gradient(90deg, #ffc533, var(--amber-dark)); border-radius: 99px; transition: width 0.35s ease; }
.wiz-step-label { font-size: 0.8rem; color: var(--faint); font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 1.4rem; }
.wiz-q, .quiz-q { font-size: clamp(1.25rem, 3.4vw, 1.55rem); font-weight: 800; color: var(--navy); margin-bottom: 0.5rem; letter-spacing: -0.01em; }
.wiz-sub { color: var(--muted); margin-bottom: 1.6rem; font-size: 0.98rem; }
.wiz-field { margin-bottom: 1.15rem; }
.wiz-field label { display: block; font-weight: 700; font-size: 0.92rem; color: var(--navy); margin-bottom: 0.45rem; }
.wiz-field label small { font-weight: 600; color: var(--faint); }
.wiz-field input, .wiz-field select, .wiz-field textarea {
  width: 100%; padding: 0.9rem 1.05rem; border: 2px solid var(--line); border-radius: 12px;
  font-size: 1rem; font-family: inherit; background: #fff; color: var(--ink);
  transition: border-color 0.15s, box-shadow 0.15s; -webkit-appearance: none; appearance: none;
}
.wiz-field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%235b6b8c' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center; padding-right: 2.6rem;
}
.wiz-field input:focus, .wiz-field select:focus, .wiz-field textarea:focus { outline: none; border-color: var(--amber); box-shadow: 0 0 0 4px rgba(255,183,3,0.18); }
.wiz-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.wiz-err { color: var(--red); font-size: 0.85rem; font-weight: 600; margin-top: 0.4rem; display: none; }
.wiz-field.invalid input, .wiz-field.invalid select { border-color: var(--red); }
.wiz-field.invalid .wiz-err { display: block; }
.wiz-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 1.8rem; gap: 1rem; }
.wiz-back { background: none; border: 0; color: var(--muted); cursor: pointer; font-size: 0.95rem; font-weight: 700; font-family: inherit; padding: 12px 8px; }
.wiz-back:hover { color: var(--navy); }
.wiz-cards { display: grid; gap: 0.9rem; }
.wiz-card-opt {
  display: flex; align-items: center; gap: 1.1rem; text-align: left; padding: 1.2rem 1.3rem;
  border: 2px solid var(--line); border-radius: 15px; background: #fff; cursor: pointer;
  transition: all 0.18s ease; width: 100%; font-family: inherit; font-size: 1rem;
}
.wiz-card-opt:hover { border-color: var(--amber); background: #fffdf4; transform: translateY(-2px); box-shadow: 0 8px 20px rgba(255,183,3,0.14); }
.wiz-card-opt.selected { border-color: var(--amber); background: var(--amber-soft); box-shadow: 0 8px 22px rgba(255,183,3,0.22); }
.wiz-card-opt .ico { font-size: 2.1rem; flex: none; }
.wiz-card-opt .tx b { display: block; color: var(--navy); font-size: 1.05rem; }
.wiz-card-opt .tx span { color: var(--muted); font-size: 0.88rem; }
.wiz-checks { display: grid; gap: 0.65rem; }
.wiz-check { display: flex; align-items: flex-start; gap: 0.75rem; padding: 0.95rem 1.05rem; border: 2px solid var(--line); border-radius: 12px; cursor: pointer; font-weight: 600; color: var(--navy); transition: border-color 0.15s, background 0.15s; font-size: 0.97rem; }
.wiz-check:hover { border-color: var(--amber); }
.wiz-check input { margin-top: 0.2rem; accent-color: var(--amber-dark); width: 1.15rem; height: 1.15rem; flex: none; }
.wiz-check small { display: block; font-weight: 400; color: var(--muted); }
.wiz-review { background: var(--bg-soft); border-radius: 14px; padding: 1.3rem 1.5rem; margin-bottom: 1rem; max-height: 430px; overflow-y: auto; }
.wiz-review h4 { color: var(--navy); margin: 1.1rem 0 0.5rem; font-size: 0.95rem; }
.wiz-review h4:first-child { margin-top: 0; }
.wiz-review dl { display: grid; grid-template-columns: auto 1fr; gap: 0.3rem 1rem; font-size: 0.92rem; margin-bottom: 0.5rem; }
.wiz-review dt { color: var(--muted); font-weight: 600; }
.wiz-review dd { margin: 0; color: var(--ink); font-weight: 600; }
.wiz-success { text-align: center; padding: 1rem 0; }
.wiz-success .big { font-size: 3.6rem; margin-bottom: 1rem; }
.wiz-success h2 { margin-bottom: 0.75rem; }
.wiz-steps { text-align: left; max-width: 500px; margin: 1.6rem auto; }
.wiz-steps li { margin-bottom: 0.85rem; color: var(--muted); }
.wiz-steps li b { color: var(--navy); }
.wiz-trust { display: flex; flex-wrap: wrap; gap: 0.6rem; justify-content: center; margin-top: 1.6rem; }
.wiz-trust span { background: var(--bg-tint); color: var(--navy); font-size: 0.8rem; font-weight: 700; padding: 0.45rem 0.95rem; border-radius: 999px; }
.wiz-ac { position: relative; }
.wiz-ac-list { position: absolute; top: 100%; left: 0; right: 0; background: #fff; border: 2px solid var(--line); border-top: 0; border-radius: 0 0 12px 12px; z-index: 60; max-height: 240px; overflow-y: auto; box-shadow: var(--shadow); display: none; }
.wiz-ac-item { padding: 0.75rem 1.05rem; cursor: pointer; font-size: 0.93rem; border-bottom: 1px solid var(--line); color: var(--ink); }
.wiz-ac-item:last-child { border-bottom: 0; }
.wiz-ac-item:hover, .wiz-ac-item.active { background: var(--amber-soft); }
.quiz-opts { display: grid; gap: 0.8rem; margin-top: 1.4rem; }
.quiz-opt { text-align: left; padding: 1.05rem 1.3rem; border: 2px solid var(--line); border-radius: 13px; background: #fff; font-size: 1rem; font-weight: 600; color: var(--navy); cursor: pointer; transition: all 0.16s ease; font-family: inherit; }
.quiz-opt:hover { border-color: var(--amber); background: #fffdf4; transform: translateY(-2px); }
.quiz-back { background: none; border: 0; color: var(--muted); margin-top: 1.3rem; cursor: pointer; font-size: 0.92rem; font-family: inherit; font-weight: 600; }
.quiz-result h2 { margin-bottom: 0.75rem; }
.quiz-result p { color: var(--muted); margin-bottom: 1rem; }
.quiz-tags { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.6rem; }
.quiz-tags span { background: var(--bg-tint); color: var(--navy); font-size: 0.8rem; font-weight: 700; padding: 0.4rem 0.85rem; border-radius: 999px; }

/* ---------- Quote side trust box ---------- */
.quote-side .trust-box { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px; margin-bottom: 18px; box-shadow: 0 4px 18px rgba(11,37,69,0.05); }
.trust-box h3 { margin-bottom: 12px; font-size: 1.08rem; }
.trust-box ul { list-style: none; }
.trust-box li { padding: 9px 0 9px 34px; position: relative; font-size: 0.94rem; color: var(--muted); }
.trust-box li::before {
  content: "✓"; position: absolute; left: 0; top: 9px; width: 24px; height: 24px; border-radius: 50%;
  background: var(--green-soft); color: var(--green); font-weight: 900; font-size: 0.75rem;
  display: inline-flex; align-items: center; justify-content: center;
}
.privacy-note { background: var(--amber-soft); border: 1px solid #eed88f; border-radius: 14px; padding: 18px 20px; font-size: 0.89rem; color: #6b5a00; margin-top: 20px; }

/* ---------- Sticky mobile bar ---------- */
.sticky-bar {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 90; display: flex;
  background: rgba(255,255,255,0.98); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  border-top: 1px solid var(--line); box-shadow: 0 -8px 28px rgba(11,37,69,0.14);
  padding-bottom: env(safe-area-inset-bottom);
}
.sticky-bar a { flex: 1; text-align: center; padding: 15px 8px; text-decoration: none; font-weight: 800; font-size: 0.96rem; display: flex; align-items: center; justify-content: center; gap: 8px; }
.sticky-bar .call { color: var(--navy); border-right: 1px solid var(--line); }
.sticky-bar .quote { background: linear-gradient(180deg, #ffc533, var(--amber)); color: var(--navy-deep); }
@media (max-width: 767px) { body { padding-bottom: 56px; } }

/* ---------- Content / article pages ---------- */
.prose { max-width: 790px; }
.prose p { margin-bottom: 17px; color: #33415e; font-size: 1.03rem; }
.prose ul, .prose ol { margin: 0 0 20px 22px; color: #33415e; }
.prose li { margin-bottom: 9px; }
.prose h2 { margin: 38px 0 14px; font-size: 1.55rem; }
.prose h3 { margin: 28px 0 10px; }
.prose blockquote { border-left: 4px solid var(--amber); background: var(--amber-soft); border-radius: 0 14px 14px 0; padding: 18px 22px; margin: 24px 0; font-size: 1.05rem; color: var(--navy); font-weight: 600; }
.article-hero-img { border-radius: var(--radius-lg); overflow: hidden; margin: 26px 0 30px; box-shadow: var(--shadow); }
.article-hero-img img { width: 100%; height: clamp(220px, 32vw, 380px); object-fit: cover; }
.article-meta { display: flex; gap: 14px; align-items: center; color: var(--faint); font-size: 0.9rem; font-weight: 600; margin: 14px 0 6px; }
.article-card { border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: #fff; text-decoration: none; color: inherit; display: flex; flex-direction: column; transition: transform 0.2s, box-shadow 0.2s; }
.article-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.article-card .ph { height: 180px; overflow: hidden; }
.article-card .ph img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s; }
.article-card:hover .ph img { transform: scale(1.06); }
.article-card .body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.article-card .kicker { font-size: 0.74rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: var(--amber-dark); margin-bottom: 8px; }
.article-card h3 { margin-bottom: 8px; }
.article-card p { color: var(--muted); font-size: 0.94rem; flex: 1; }
.article-card .read { margin-top: 14px; font-weight: 800; color: var(--amber-dark); font-size: 0.94rem; }
.article-grid { display: grid; gap: 20px; margin-top: 34px; }
.two-col { display: grid; gap: 28px; }

/* ---------- Contact page ---------- */
.contact-grid { display: grid; gap: 20px; margin-top: 34px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 28px; text-align: center; transition: transform 0.2s, box-shadow 0.2s; }
.contact-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.contact-card .c-ic { width: 60px; height: 60px; border-radius: 18px; margin: 0 auto 18px; display: flex; align-items: center; justify-content: center; font-size: 1.7rem; background: linear-gradient(135deg, var(--amber-soft), #ffe9b8); }
.contact-card h3 { margin-bottom: 6px; }
.contact-card p { color: var(--muted); font-size: 0.95rem; margin-bottom: 16px; }
.contact-card a.big { font-size: 1.25rem; font-weight: 800; color: var(--navy); text-decoration: none; }
.contact-card a.big:hover { color: var(--amber-dark); }

/* ---------- Comparison page bits ---------- */
.qc-grid { display: grid; gap: 18px; margin-top: 30px; }
.qc-card { background: #fff; border: 2px solid var(--line); border-radius: var(--radius-lg); padding: 28px; position: relative; transition: transform 0.2s, box-shadow 0.2s; }
.qc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.qc-card.rec { border-color: var(--amber); box-shadow: 0 14px 40px rgba(255,183,3,0.22); }
.qc-card .rec-badge { position: absolute; top: -15px; left: 50%; transform: translateX(-50%); background: linear-gradient(180deg, #ffc533, var(--amber)); color: var(--navy-deep); font-size: 0.76rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; padding: 7px 18px; border-radius: 999px; white-space: nowrap; box-shadow: 0 6px 16px rgba(255,183,3,0.4); }
.qc-card .carrier { font-weight: 800; color: var(--navy); font-size: 1.15rem; margin-bottom: 4px; }
.qc-card .price { font-size: 2.5rem; font-weight: 800; color: var(--navy); letter-spacing: -0.03em; line-height: 1; margin: 12px 0 2px; }
.qc-card .price small { font-size: 1rem; font-weight: 600; color: var(--muted); letter-spacing: 0; }
.qc-card .per { color: var(--muted); font-size: 0.9rem; margin-bottom: 14px; }
.qc-card ul { list-style: none; margin-bottom: 20px; }
.qc-card ul li { padding: 7px 0 7px 30px; position: relative; font-size: 0.93rem; color: var(--muted); }
.qc-card ul li::before { content: "✓"; position: absolute; left: 4px; color: var(--green); font-weight: 900; }

/* ---------- Article template ---------- */
.article-body { max-width: 790px; margin: 0 auto; padding: 60px 4% 70px; }
.article-body .kicker { display: block; font-size: 0.78rem; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: var(--amber-dark); margin-bottom: 10px; }
.article-body h1 { margin-bottom: 10px; }
.article-body p { margin-bottom: 17px; color: #33415e; font-size: 1.03rem; }
.article-body h2 { margin: 36px 0 14px; font-size: 1.55rem; }
.article-body .cta-band { border-radius: var(--radius-lg); padding: 46px 34px; }
.article-body .cta-band h2 { margin-top: 0; }
.muted { color: var(--muted); }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; min-height: 60px; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 22px; }

/* ---------- Responsive ---------- */
@media (min-width: 768px) {
  .nav { display: flex; }
  .menu-toggle { display: none; }
  .header-phone { display: inline-flex; }
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; padding: 88px 0 80px; }
  .why-grid, .cov-grid, .steps { grid-template-columns: repeat(3, 1fr); }
  .vs-compare { grid-template-columns: 1fr 1fr; }
  .review-grid { grid-template-columns: repeat(3, 1fr); }
  .hub-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1.3fr; }
  .quote-layout { grid-template-columns: 1.55fr 1fr; align-items: start; }
  .two-col { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr 1fr; }
  .stat-grid { grid-template-columns: repeat(4, 1fr); }
  .article-grid { grid-template-columns: repeat(3, 1fr); }
  .contact-grid { grid-template-columns: repeat(3, 1fr); }
  .discount-grid { grid-template-columns: repeat(3, 1fr); }
  .cover-points { grid-template-columns: repeat(2, 1fr); }
  .qc-grid { grid-template-columns: repeat(3, 1fr); }
  .sticky-bar { display: none; }
}
@media (max-width: 900px) {
  .fc-1 { left: 6px; }
  .fc-2 { right: 6px; }
}
@media (max-width: 560px) {
  section { padding: 56px 0; }
  .wiz-row { grid-template-columns: 1fr; }
  .header-cta .btn { display: none; }
  .hero-ctas .btn { flex: 1 1 100%; }
  .float-card { padding: 10px 14px; }
  .float-card b { font-size: 0.85rem; }
  .stat-grid { gap: 12px; }
  .stat { padding: 22px 14px; }
}