:root{
  --ink:#0F2F44; --ink-2:#3D5868; --blue:#006C9F; --blue-d:#00557E; --logo:#008ECC; --sky:#00BFFE;
  --sky-50:#EEF8FC; --sky-100:#D7EFF9; --sun:#FFCB5C; --sun-d:#F2B23A; --sun-50:#FFF5DC;
  --line:#CFE3EC; --white:#fff;
  --r-sm:10px; --r:18px; --r-lg:28px;
  --f-head:"Lexend",system-ui,sans-serif; --f-body:"Nunito Sans",system-ui,sans-serif;
  --wrap:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--white);color:var(--ink);font:400 1.0625rem/1.65 var(--f-body);text-rendering:optimizeLegibility}
img,svg{display:block;max-width:100%}
a{color:var(--blue);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--blue-d)}
:focus-visible{outline:3px solid var(--sun-d);outline-offset:3px;border-radius:4px}
h1,h2,h3{font-family:var(--f-head);color:var(--ink);line-height:1.18;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.4vw,3.35rem);font-weight:600;letter-spacing:-.02em}
h2{font-size:clamp(1.55rem,2.6vw,2.05rem)}
h3{font-size:1.18rem;font-weight:600}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.ic{width:1.15em;height:1.15em;flex:none}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:50}
.skip:focus{left:12px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;justify-content:center;background:var(--blue);color:#fff;font:600 1rem/1 var(--f-head);
  padding:.95em 1.5em;border-radius:999px;text-decoration:none;border:2px solid var(--blue);cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d);color:#fff}
.btn-sm{padding:.7em 1.15em;font-size:.95rem}
.btn-lg{padding:1.05em 1.9em;font-size:1.05rem}
.btn-block{display:flex;width:100%}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-sun{background:var(--sun);border-color:var(--sun);color:var(--ink)}
.btn-sun:hover{background:#fff;border-color:#fff;color:var(--ink)}

/* header */
.site-head{background:var(--sky-50);position:relative;z-index:10}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.brand img{height:58px;width:auto}
.site-nav{display:flex;align-items:center;gap:6px}
.site-nav a{color:var(--ink);text-decoration:none;font:500 .98rem/1 var(--f-head);padding:.7em .8em;border-radius:999px}
.site-nav a:not(.btn):hover{background:var(--sky-100)}
.site-nav a[aria-current="page"]{background:#fff;box-shadow:inset 0 0 0 1.5px var(--line)}
.site-nav .lang{display:inline-flex;align-items:center;gap:.4em;color:var(--ink-2)}
.site-nav .btn{color:#fff;margin-left:6px}
.menu-btn{display:none;background:#fff;border:1.5px solid var(--line);border-radius:999px;font:600 .95rem/1 var(--f-head);color:var(--ink);padding:.7em 1.1em;cursor:pointer}
@media (max-width:920px){
  .menu-btn{display:block}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--sky-50);flex-direction:column;align-items:stretch;padding:8px 20px 22px;gap:2px;border-bottom:1.5px solid var(--line)}
  .site-nav.open{display:flex}
  .site-nav a{padding:.95em .9em}
  .site-nav .btn{margin:8px 0 0}
  .brand img{height:44px}
}

/* scallop divider (umbrella edge) */
.scallop{display:block;width:100%;height:30px;position:absolute;left:0;bottom:-29px;z-index:2}

/* hero */
.hero{background:var(--sky-50);position:relative;padding:28px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero h1{max-width:15ch}
.lead{font-size:1.2rem;color:var(--ink-2);max-width:56ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 22px}
.hero-note{font-size:.95rem;color:var(--ink-2);max-width:52ch;padding-left:14px;border-left:3px solid var(--sun)}
.hero-art{width:100%;max-width:520px;justify-self:end}
@media (max-width:860px){
  .hero-grid{grid-template-columns:1fr}
  .hero-art{max-width:230px;justify-self:center;order:-1}
}

/* bands */
.band{padding:88px 0 72px;position:relative}
.band-sky{background:var(--sky-50)}
.band h2{margin-bottom:28px}
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.cov{padding-top:22px;border-top:3px solid var(--sky-100)}
.cov:nth-child(1){border-top-color:var(--logo)}
.cov:nth-child(2){border-top-color:var(--sun)}
.cov:nth-child(3){border-top-color:var(--sky)}
.cov-ic{display:inline-flex;width:52px;height:52px;border-radius:50%;background:var(--sky-50);color:var(--blue);align-items:center;justify-content:center;font-size:1.45rem;margin-bottom:14px}
.cov h3{font-size:1.3rem}
.cov h3 a{color:var(--ink);text-decoration:none;background:linear-gradient(var(--sun),var(--sun)) 0 100%/0 3px no-repeat;transition:background-size .2s}
.cov h3 a:hover{background-size:100% 3px}
.cov p{color:var(--ink-2)}
@media (max-width:820px){.cov-grid{grid-template-columns:1fr;gap:28px}}

/* steps (a real sequence) */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding-top:64px}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:46px;height:46px;border-radius:50%;background:#fff;color:var(--blue);
  font:600 1.2rem/46px var(--f-head);text-align:center;box-shadow:inset 0 0 0 2px var(--logo)}
.steps li:not(:last-child)::after{content:"";position:absolute;top:23px;left:58px;right:-16px;border-top:2px dashed var(--line)}
.steps p{color:var(--ink-2);margin:0}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}.steps li::after{display:none}}
@media (max-width:540px){.steps{grid-template-columns:1fr}}

/* who */
.who{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:18px 48px}
.who li{display:flex;gap:16px;padding:20px 0;border-bottom:1.5px solid var(--sky-100)}
.who li>.ic{font-size:1.55rem;color:var(--blue);margin-top:2px}
.who h3{margin-bottom:.3em}
.who p{color:var(--ink-2);margin:0}
@media (max-width:760px){.who{grid-template-columns:1fr}}

/* trust */
.trust{background:var(--sun-50);padding:40px 0}
.trust-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.trust-list li{display:flex;gap:14px;align-items:flex-start}
.trust-list .ic{font-size:1.6rem;color:var(--ink);margin-top:2px}
.trust-list strong{display:block;font-family:var(--f-head);font-weight:600;margin-bottom:2px}
.trust-list span{color:var(--ink-2);font-size:.97rem}
@media (max-width:820px){.trust-list{grid-template-columns:1fr}}

/* cta band */
.cta-band{background:var(--blue);color:#fff;padding:56px 0}
.cta-row{display:flex;align-items:center;justify-content:space-between;gap:36px;flex-wrap:wrap}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.92);max-width:58ch;margin:0}
.cta-actions{display:flex;flex-direction:column;align-items:flex-start;gap:12px}
.cta-or{color:rgba(255,255,255,.92)}
.cta-or a{color:#fff;font-weight:700}

/* page hero */
.page-hero{background:var(--sky-50);position:relative;padding:20px 0 56px}
.page-hero h1{max-width:22ch}
.page-ic{display:inline-flex;width:56px;height:56px;border-radius:50%;background:#fff;color:var(--blue);align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:16px;box-shadow:inset 0 0 0 2px var(--sky-100)}
.crumbs{font-size:.9rem;color:var(--ink-2);margin:6px 0 22px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--ink-2)}

/* prose */
.prose-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:72px;padding-bottom:80px;align-items:start}
.prose{max-width:68ch}
.prose-sec{margin-bottom:36px}
.prose h2{font-size:1.5rem}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.35em}
.side-note{background:var(--sun-50);border-radius:var(--r-lg);padding:28px;position:sticky;top:24px}
.side-note h2{font-size:1.2rem}
.checks{list-style:none;margin:0 0 22px;padding:0}
.checks li{display:flex;gap:10px;padding:7px 0;align-items:flex-start}
.checks .ic{color:var(--blue);margin-top:4px}
.side-call{margin:14px 0 0;text-align:center;font-size:.97rem}
.side-call a{font-weight:700}
.mini-steps{margin:0 0 6px;padding-left:1.3em}
.mini-steps li{padding:5px 0}
@media (max-width:900px){.prose-wrap{grid-template-columns:1fr;gap:36px;padding-top:56px}.side-note{position:static}}

table.tiers{width:100%;border-collapse:collapse;margin:8px 0 14px;font-size:.98rem}
.tiers caption{text-align:left;color:var(--ink-2);font-size:.92rem;padding-bottom:8px}
.tiers th,.tiers td{text-align:left;padding:12px 12px;border-bottom:1.5px solid var(--sky-100);vertical-align:top}
.tiers thead th{font:600 .9rem/1.3 var(--f-head);color:var(--ink-2);background:var(--sky-50)}
.tiers tbody th{font-family:var(--f-head);font-weight:600}
@media (max-width:640px){
  .tiers thead{display:none}
  .tiers tr{display:block;padding:12px 0;border-bottom:1.5px solid var(--sky-100)}
  .tiers th,.tiers td{display:block;border:0;padding:3px 0}
  .tiers td::before{content:attr(data-label) ": ";color:var(--ink-2)}
}
.lic{display:grid;grid-template-columns:max-content 1fr;gap:8px 24px;margin:0 0 14px}
.lic dt{color:var(--ink-2)}
.lic dd{margin:0;font-weight:600}
@media (max-width:540px){.lic{grid-template-columns:1fr;gap:2px}.lic dd{margin-bottom:10px}}

/* form */
.quote-form{max-width:720px}
.quote-form fieldset{border:0;margin:0;padding:0;min-width:0}
.quote-form legend,.fld>span{display:block;font:600 .98rem/1.3 var(--f-head);margin-bottom:8px;color:var(--ink)}
.quote-form .f-cov{margin-bottom:30px}
.f-cov legend{font-size:1.2rem;margin-bottom:12px}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pill{position:relative;cursor:pointer}
.pill input{position:absolute;opacity:0;inset:0;cursor:pointer}
.pill span{display:inline-block;padding:.65em 1.1em;border-radius:999px;border:1.5px solid var(--line);background:#fff;font-weight:600;transition:background .12s,border-color .12s}
.pill input:checked+span{background:var(--sky-50);border-color:var(--blue);box-shadow:inset 0 0 0 1px var(--blue);color:var(--blue-d)}
.pill input:focus-visible+span{outline:3px solid var(--sun-d);outline-offset:2px}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 20px}
.fld{display:block}
.fld-wide{grid-column:1/-1}
.fld input,.fld select,.fld textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.75em .9em}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,142,204,.22)}
.fld small{display:block;color:var(--ink-2);font-size:.88rem;margin-top:6px}
.fld[hidden]{display:none}
.fld.invalid input,.consent.invalid{border-color:#B42318}
.fld.invalid input{box-shadow:0 0 0 3px rgba(180,35,24,.15)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent{display:flex;gap:12px;align-items:flex-start;margin:28px 0 22px;font-size:.92rem;color:var(--ink-2);padding:14px;border:1.5px solid transparent;border-radius:var(--r-sm);background:var(--sky-50)}
.consent input{width:20px;height:20px;margin-top:2px;flex:none;accent-color:var(--blue)}
.form-err{background:#FEF3F2;color:#912018;border-radius:var(--r-sm);padding:12px 14px;font-weight:600}
.form-ok{max-width:720px;background:var(--sky-50);border-radius:var(--r-lg);padding:36px}
.ok-ic{display:inline-flex;width:56px;height:56px;border-radius:50%;background:var(--blue);color:#fff;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:14px}
@media (max-width:620px){.f-grid{grid-template-columns:1fr}}

/* contact */
.contact-list{list-style:none;margin:0;padding:72px 0 8px;display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.contact-list li{display:flex;gap:14px}
.contact-list .ic{font-size:1.6rem;color:var(--blue);margin-top:4px}
.contact-list h2{font-size:1.15rem;margin-bottom:.3em}
.contact-quote{padding:28px 0 80px}
@media (max-width:820px){.contact-list{grid-template-columns:1fr}}

/* footer */
.site-foot{background:var(--ink);color:rgba(255,255,255,.9);position:relative;margin-top:30px;padding:56px 0 28px}
.site-foot .scallop{top:-29px;bottom:auto}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.4fr;gap:32px}
.foot-brand img{height:58px;width:auto}
.site-foot h2{color:#fff;font-size:1rem;margin-bottom:12px}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin-bottom:8px}
.site-foot a{color:#fff;text-decoration:none}
.site-foot a:hover{text-decoration:underline}
.foot-contact li{display:flex;gap:10px;align-items:flex-start}
.foot-contact .ic{margin-top:4px;color:var(--sky)}
.foot-legal{border-top:1px solid rgba(255,255,255,.16);margin-top:36px;padding-top:22px;font-size:.86rem;color:rgba(255,255,255,.88)}
.foot-legal p{max-width:100ch}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}
@media (max-width:480px){.foot-grid{grid-template-columns:1fr}}
.cta-band+.site-foot{margin-top:0}
.cta-band+.site-foot .scallop path{fill:var(--ink)}
.nf{padding-bottom:96px}