:root {
  --primary: #0f172a;
  --secondary: #2563eb;
  --accent: #06b6d4;
  --bg: #f8fafc;
  --card: #ffffff;
  --text: #111827;
  --muted: #64748b;
  --line: #e2e8f0;
  --shadow: 0 20px 55px rgba(15, 23, 42, 0.12);
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  margin: 0;
  font-family: "Inter", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
}

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

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

button,
input,
select,
textarea {
  font: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  height: 76px;
  display: grid;
  grid-template-columns: minmax(190px, 1fr) auto minmax(190px, 1fr);
  align-items: center;
  gap: 24px;
  padding: 0 clamp(18px, 4vw, 64px);
  background: rgba(248, 250, 252, 0.92);
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
  backdrop-filter: blur(18px);
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
  font-family: "Sora", sans-serif;
  font-weight: 700;
  color: var(--primary);
}

.logo-mark {
  display: inline-grid;
  place-items: center;
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  color: #fff;
  background: linear-gradient(135deg, var(--secondary), var(--accent));
  box-shadow: 0 12px 28px rgba(37, 99, 235, 0.22);
}

.logo-text {
  display: block;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 7px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
}

.desktop-nav a {
  padding: 10px 17px;
  border-radius: 999px;
  color: var(--muted);
  font-weight: 700;
  font-size: 0.92rem;
}

.desktop-nav a:hover,
.desktop-nav a.active {
  color: var(--secondary);
  background: #eff6ff;
}

.header-actions {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 10px;
}

.icon-btn {
  width: 44px;
  height: 44px;
  display: inline-grid;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--primary);
  background: #fff;
  cursor: pointer;
  transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.icon-btn svg {
  width: 21px;
  height: 21px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-btn:hover {
  transform: translateY(-1px);
  border-color: #bfdbfe;
  box-shadow: 0 12px 25px rgba(15, 23, 42, 0.08);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 14px 22px;
  border: 0;
  border-radius: 14px;
  color: #fff;
  background: linear-gradient(135deg, var(--secondary), #1d4ed8);
  box-shadow: 0 18px 34px rgba(37, 99, 235, 0.24);
  font-weight: 800;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 22px 42px rgba(37, 99, 235, 0.28);
}

.btn-small {
  min-height: 44px;
  padding: 12px 18px;
  border-radius: 999px;
  white-space: nowrap;
}

.btn-light {
  color: var(--primary);
  background: #fff;
  box-shadow: 0 18px 34px rgba(15, 23, 42, 0.14);
}

.menu-toggle,
.mobile-menu {
  display: none;
}

.hero {
  position: relative;
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
  isolation: isolate;
  overflow: hidden;
}

.hero-image,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-image {
  object-fit: cover;
  z-index: -2;
}

.hero-overlay {
  z-index: -1;
  background: linear-gradient(90deg, rgba(15, 23, 42, 0.88), rgba(15, 23, 42, 0.58) 46%, rgba(15, 23, 42, 0.14));
}

.hero-content {
  width: min(720px, calc(100% - 32px));
  margin-left: clamp(18px, 7vw, 110px);
  padding: 72px 0;
  color: #fff;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #bae6fd;
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.eyebrow.dark {
  color: var(--secondary);
}

h1,
h2,
h3 {
  margin: 0;
  font-family: "Sora", sans-serif;
  color: inherit;
  line-height: 1.08;
}

h1 {
  margin-top: 14px;
  font-size: clamp(2.35rem, 5vw, 5.3rem);
  max-width: 850px;
}

h2 {
  font-size: clamp(1.75rem, 3vw, 3.2rem);
}

h3 {
  font-size: 1.15rem;
}

p {
  margin: 0;
  color: var(--muted);
  line-height: 1.7;
}

.hero p {
  width: min(580px, 100%);
  margin-top: 20px;
  color: #e2e8f0;
  font-size: 1.12rem;
}

.hero-buttons,
.trust-labels {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.hero-buttons {
  margin-top: 32px;
}

.trust-labels {
  margin-top: 32px;
}

.trust-labels span {
  padding: 10px 14px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(10px);
  font-size: 0.9rem;
  font-weight: 800;
}

.section {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
  padding: clamp(56px, 8vw, 104px) 0;
}

.section-heading {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 30px;
  margin-bottom: 30px;
}

.section-heading h2 {
  max-width: 660px;
  margin-top: 10px;
  color: var(--primary);
}

.section-heading.compact {
  display: block;
  max-width: 650px;
}

.image-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.image-card,
.plan-card,
.insight-card,
.coverage-card {
  background: var(--card);
  border: 1px solid var(--line);
  overflow: hidden;
  box-shadow: 0 14px 40px rgba(15, 23, 42, 0.06);
}

.image-card {
  position: relative;
  min-height: 330px;
  display: flex;
  align-items: flex-end;
  border-radius: 24px;
}

.image-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 23, 42, 0.06), rgba(15, 23, 42, 0.78));
}

.image-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.image-card div {
  position: relative;
  z-index: 1;
  padding: 24px;
  color: #fff;
}

.image-card p {
  margin-top: 8px;
  color: #dbeafe;
}

.split-section {
  display: grid;
  grid-template-columns: 0.85fr 1.55fr;
  gap: 34px;
  align-items: start;
}

.split-copy {
  position: sticky;
  top: 110px;
}

.split-copy h2 {
  margin-top: 12px;
  color: var(--primary);
}

.split-copy p {
  margin-top: 16px;
}

.plan-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.plan-card {
  border-radius: 22px;
}

.plan-card img {
  width: 100%;
  height: 210px;
  object-fit: cover;
}

.plan-card h3,
.plan-card p,
.plan-card a {
  margin-left: 20px;
  margin-right: 20px;
}

.plan-card h3 {
  margin-top: 20px;
  color: var(--primary);
}

.plan-card p {
  margin-top: 10px;
}

.plan-card a,
.coverage-card a {
  display: inline-flex;
  margin-top: 18px;
  margin-bottom: 22px;
  color: var(--secondary);
  font-weight: 900;
}

.why-section {
  width: 100%;
  max-width: none;
  padding-left: max(18px, calc((100vw - 1180px) / 2));
  padding-right: max(18px, calc((100vw - 1180px) / 2));
  background: var(--primary);
}

.why-section h2 {
  color: #fff;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.why-layout {
  display: grid;
  grid-template-columns: 0.72fr 1fr;
  gap: 22px;
  align-items: stretch;
  margin-top: 32px;
}

.why-layout > img {
  width: 100%;
  height: 100%;
  min-height: 330px;
  object-fit: cover;
  border-radius: 24px;
}

.trust-grid article {
  padding: 30px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.06);
}

.trust-grid span {
  color: var(--accent);
  font-weight: 900;
}

.trust-grid h3 {
  margin-top: 16px;
  color: #fff;
}

.trust-grid p {
  margin-top: 10px;
  color: #cbd5e1;
}

.insight-grid,
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.insight-card {
  display: grid;
  grid-template-columns: 140px 1fr;
  border-radius: 22px;
  min-height: 190px;
}

.insight-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.insight-card div {
  padding: 22px;
}

.insight-card h3 {
  color: var(--primary);
}

.insight-card p {
  margin-top: 10px;
}

.testimonials {
  padding-top: 18px;
}

.testimonial-layout {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 20px;
  align-items: stretch;
  margin-top: 30px;
}

.testimonial-layout > img {
  width: 100%;
  height: 100%;
  min-height: 310px;
  object-fit: cover;
  border-radius: 24px;
  box-shadow: 0 14px 40px rgba(15, 23, 42, 0.06);
}

.testimonial-layout .testimonial-grid {
  grid-template-columns: 1fr;
}

blockquote {
  margin: 0;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 22px;
  background: #fff;
}

blockquote p {
  color: #334155;
}

cite {
  display: block;
  margin-top: 18px;
  color: var(--primary);
  font-style: normal;
  font-weight: 900;
}

.cta-band {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto clamp(56px, 8vw, 96px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: clamp(30px, 5vw, 54px);
  border-radius: 28px;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(15, 23, 42, 0.94), rgba(30, 58, 138, 0.9) 72%, rgba(6, 182, 212, 0.76)),
    url("assets/images/risk-management.jpg") center/cover;
  box-shadow: var(--shadow);
}

.cta-band h2 {
  margin-top: 8px;
}

.cta-band.narrow {
  margin-top: 0;
}

.site-footer {
  display: grid;
  grid-template-columns: 1.2fr auto;
  gap: 34px;
  padding: 48px clamp(18px, 5vw, 72px);
  color: #cbd5e1;
  background: var(--primary);
}

.footer-logo {
  color: #fff;
}

.site-footer p {
  max-width: 460px;
  margin-top: 14px;
  color: #94a3b8;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 18px;
  color: #e2e8f0;
  font-weight: 800;
}

.footer-note {
  grid-column: 1 / -1;
  width: 100%;
  max-width: none;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
}

.page-hero,
.about-hero,
.contact-hero {
  width: min(1180px, calc(100% - 36px));
  margin: 36px auto 0;
}

.page-hero {
  position: relative;
  min-height: 430px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
  border-radius: 30px;
  color: #fff;
  background: var(--primary);
}

.page-hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.62;
}

.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 23, 42, 0.08), rgba(15, 23, 42, 0.82));
}

.page-hero div {
  position: relative;
  z-index: 1;
  width: min(760px, 100%);
  padding: clamp(28px, 6vw, 58px);
}

.page-hero p {
  margin-top: 16px;
  color: #dbeafe;
  font-size: 1.08rem;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.coverage-card {
  display: grid;
  grid-template-columns: 210px 1fr;
  border-radius: 24px;
}

.coverage-card img {
  width: 100%;
  height: 100%;
  min-height: 230px;
  object-fit: cover;
}

.coverage-card div {
  padding: 26px;
}

.coverage-card h2 {
  color: var(--primary);
  font-size: 1.5rem;
}

.coverage-card p {
  margin-top: 12px;
}

.about-hero {
  display: grid;
  grid-template-columns: 1fr 0.95fr;
  gap: 28px;
  align-items: stretch;
}

.about-copy {
  padding: clamp(34px, 6vw, 62px);
  border-radius: 30px;
  background: #fff;
  box-shadow: 0 16px 48px rgba(15, 23, 42, 0.06);
}

.about-copy h1 {
  color: var(--primary);
  font-size: clamp(2rem, 4vw, 4.2rem);
}

.about-copy p {
  margin-top: 18px;
  font-size: 1.05rem;
}

.about-hero > img {
  width: 100%;
  height: 100%;
  min-height: 480px;
  object-fit: cover;
  border-radius: 30px;
}

.metric-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 34px;
}

.metric-row div {
  padding: 18px;
  border-radius: 18px;
  background: #f1f5f9;
}

.metric-row strong {
  display: block;
  color: var(--secondary);
  font-family: "Sora", sans-serif;
  font-size: 1.35rem;
}

.metric-row span {
  display: block;
  margin-top: 5px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
}

.mission-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}

.mission-grid article {
  padding: 34px;
  border-radius: 24px;
  background: #fff;
}

.mission-grid h2 {
  margin-top: 12px;
  color: var(--primary);
}

.mission-grid p {
  margin-top: 14px;
}

.trust-panel {
  display: grid;
  grid-template-columns: 0.95fr 1fr;
  gap: 0;
  overflow: hidden;
  border-radius: 30px;
  color: #fff;
  background: var(--primary);
  box-shadow: var(--shadow);
}

.trust-panel img {
  width: 100%;
  height: 100%;
  min-height: 410px;
  object-fit: cover;
}

.trust-panel div {
  padding: clamp(32px, 5vw, 58px);
}

.trust-panel p {
  margin: 16px 0 26px;
  color: #cbd5e1;
}

.contact-hero {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 26px;
  align-items: start;
  padding: clamp(34px, 6vw, 58px);
  border-radius: 30px;
  background:
    linear-gradient(135deg, rgba(248, 250, 252, 0.95), rgba(248, 250, 252, 0.88)),
    url("assets/images/family-security.jpg") center/cover;
}

.contact-hero h1 {
  color: var(--primary);
  font-size: clamp(2rem, 4vw, 4rem);
}

.contact-hero p {
  margin-top: 16px;
  max-width: 520px;
}

.support-card {
  margin-top: 30px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.82);
}

.support-card strong,
.support-card a,
.support-card span {
  display: block;
}

.support-card a {
  margin-top: 8px;
  color: var(--secondary);
  font-weight: 900;
}

.support-card span {
  margin-top: 10px;
  color: var(--muted);
}

.contact-form {
  display: grid;
  gap: 12px;
  padding: clamp(24px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: 26px;
  background: #fff;
  box-shadow: 0 18px 52px rgba(15, 23, 42, 0.1);
}

.contact-form label {
  color: var(--primary);
  font-weight: 900;
  font-size: 0.92rem;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  border: 1px solid #cbd5e1;
  border-radius: 14px;
  padding: 14px 15px;
  color: var(--primary);
  background: #fff;
  outline: none;
  resize: vertical;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--secondary);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
}

.contact-form .btn {
  margin-top: 8px;
}

@media (max-width: 1100px) {
  .site-header {
    grid-template-columns: auto 1fr auto;
    gap: 14px;
  }

  .desktop-nav {
    gap: 2px;
  }

  .desktop-nav a {
    padding: 9px 12px;
  }

  .image-card-grid,
  .plan-row,
  .insight-grid,
  .testimonial-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-layout,
  .testimonial-layout {
    grid-template-columns: 1fr;
  }

  .split-section,
  .about-hero,
  .contact-hero {
    grid-template-columns: 1fr;
  }

  .split-copy {
    position: static;
  }

  .about-hero > img {
    min-height: 360px;
  }
}

@media (max-width: 860px) {
  .site-header {
    height: 68px;
    display: flex;
    justify-content: space-between;
    padding: 0 14px;
  }

  .site-header .logo {
    flex: 1 1 auto;
    max-width: calc(100% - 134px);
  }

  .desktop-nav,
  .desktop-cta {
    display: none;
  }

  .menu-toggle {
    display: inline-grid;
  }

  .logo-mark {
    flex-basis: 38px;
    width: 38px;
    height: 38px;
    border-radius: 11px;
  }

  .logo-text {
    max-width: 170px;
    font-size: 0.95rem;
  }

  .header-actions {
    flex: 0 0 auto;
    gap: 7px;
  }

  .icon-btn {
    width: 40px;
    height: 40px;
  }

  .mobile-menu {
    position: fixed;
    inset: 0;
    z-index: 80;
    display: block;
    pointer-events: none;
    background: rgba(15, 23, 42, 0);
    transition: background 0.25s ease;
  }

  .mobile-menu.open {
    pointer-events: auto;
    background: rgba(15, 23, 42, 0.48);
  }

  .mobile-menu-panel {
    position: absolute;
    top: 0;
    right: 0;
    width: min(86vw, 360px);
    height: 100%;
    padding: 20px;
    background: #fff;
    transform: translateX(102%);
    transition: transform 0.25s ease;
    box-shadow: -22px 0 45px rgba(15, 23, 42, 0.18);
  }

  .mobile-menu.open .mobile-menu-panel {
    transform: translateX(0);
  }

  .mobile-menu-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 22px;
    color: var(--primary);
    font-family: "Sora", sans-serif;
    font-weight: 800;
  }

  .mobile-menu-panel > a:not(.btn) {
    display: block;
    padding: 16px 4px;
    border-bottom: 1px solid var(--line);
    color: var(--primary);
    font-weight: 900;
  }

  .mobile-menu-panel .btn {
    width: 100%;
    margin-top: 24px;
  }

  .hero {
    min-height: 680px;
  }

  .hero-overlay {
    background: linear-gradient(180deg, rgba(15, 23, 42, 0.86), rgba(15, 23, 42, 0.62));
  }

  .hero-content {
    margin: 0 auto;
    padding: 70px 0 46px;
  }

  .section-heading {
    display: block;
  }

  .coverage-grid,
  .mission-grid,
  .trust-panel {
    grid-template-columns: 1fr;
  }

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

  .coverage-card {
    grid-template-columns: 180px 1fr;
  }

  .trust-panel img {
    min-height: 300px;
  }

  .cta-band {
    display: grid;
    border-radius: 24px;
  }

  .site-footer {
    grid-template-columns: 1fr;
  }

  .site-footer nav {
    justify-content: flex-start;
  }
}

@media (max-width: 620px) {
  h1 {
    font-size: clamp(2rem, 9vw, 2.85rem);
  }

  .image-card-grid,
  .plan-row,
  .insight-grid,
  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .image-card {
    min-height: 285px;
    border-radius: 20px;
  }

  .plan-card img {
    height: 230px;
  }

  .insight-card,
  .coverage-card {
    grid-template-columns: 1fr;
  }

  .insight-card img,
  .coverage-card img {
    height: 220px;
  }

  .page-hero,
  .about-hero,
  .contact-hero {
    width: min(100% - 28px, 1180px);
    margin-top: 24px;
  }

  .page-hero {
    min-height: 430px;
    border-radius: 24px;
  }

  .about-copy,
  .contact-hero {
    border-radius: 24px;
  }

  .about-hero > img {
    border-radius: 24px;
  }

  .metric-row {
    grid-template-columns: 1fr;
  }

  .contact-hero {
    padding: 24px;
  }
}

@media (max-width: 430px) {
  .site-header .logo {
    max-width: calc(100% - 116px);
  }

  .logo {
    gap: 6px;
  }

  .logo-text {
    max-width: 92px;
    font-size: 0.78rem;
  }

  .header-actions {
    gap: 5px;
  }

  .icon-btn {
    width: 34px;
    height: 34px;
  }

  .icon-btn svg {
    width: 18px;
    height: 18px;
  }

  .section {
    width: min(100% - 28px, 1180px);
  }

  .hero-buttons .btn {
    width: 100%;
  }

  .trust-labels span {
    font-size: 0.82rem;
  }

  .hero h1 {
    font-size: 2.05rem;
  }

  .hero p {
    font-size: 1rem;
  }
}

@media (max-width: 350px) {
  .site-header {
    padding: 0 10px;
  }

  .site-header .logo {
    max-width: calc(100% - 108px);
  }

  .logo-mark {
    flex-basis: 34px;
    width: 34px;
    height: 34px;
    font-size: 0.82rem;
  }

  .logo-text {
    max-width: 74px;
    font-size: 0.72rem;
  }

  .icon-btn {
    width: 32px;
    height: 32px;
  }

  .hero h1 {
    font-size: 1.88rem;
  }
}