:root {
  color-scheme: light;
  --ink: #18232f;
  --muted: #5d6e8b;
  --line: #d7e0f2;
  --paper: #f7f9ff;
  --mist: #edf3ff;
  --blue: #103f93;
  --blue-dark: #0a2f73;
  --yellow: #ffca1f;
  --yellow-dark: #e9ad00;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(16, 63, 147, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
}

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px clamp(18px, 4vw, 56px);
  background: rgba(251, 252, 253, 0.92);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.brand,
.main-nav,
.hero-actions,
.trust-strip,
.contact-band {
  display: flex;
  align-items: center;
}

.brand {
  gap: 12px;
  font-weight: 800;
  color: var(--ink);
  white-space: nowrap;
}

.brand-logo {
  display: block;
  width: 46px;
  height: 42px;
  object-fit: contain;
  border-radius: 6px;
}

.brand span {
  font-size: 1.08rem;
  letter-spacing: 0;
}

.main-nav {
  gap: 26px;
  color: var(--muted);
  font-size: 0.95rem;
}

.main-nav a:hover {
  color: var(--blue);
}

.header-action {
  padding: 10px 16px;
  border: 1px solid var(--blue);
  border-radius: 8px;
  color: var(--blue);
  font-weight: 700;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(360px, 0.98fr);
  gap: clamp(30px, 5vw, 72px);
  align-items: center;
  min-height: calc(100svh - 74px);
  padding: clamp(34px, 7vw, 90px) clamp(18px, 5vw, 72px) 42px;
  background:
    linear-gradient(115deg, rgba(237, 243, 255, 0.98), rgba(255, 255, 255, 0.78)),
    radial-gradient(circle at 74% 20%, rgba(255, 202, 31, 0.28), transparent 34%);
}

.top-subtitle {
  padding: 12px clamp(18px, 5vw, 72px);
  background: var(--blue);
  color: var(--white);
  font-weight: 900;
  text-align: center;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 22px;
  font-size: clamp(2.45rem, 6vw, 4.9rem);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(1.65rem, 3vw, 2.6rem);
  line-height: 1.08;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.1rem;
}

.hero-lede {
  max-width: 620px;
  margin-bottom: 28px;
  color: var(--muted);
  font-size: 1.12rem;
}

.hero-actions {
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 36px;
}

.button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  padding: 12px 18px;
  border: 1px solid transparent;
  font-weight: 800;
  cursor: pointer;
}

.button.primary {
  background: var(--blue);
  color: var(--white);
}

.button.primary:hover {
  background: var(--blue-dark);
}

.button.secondary {
  background: var(--white);
  border-color: var(--line);
  color: var(--ink);
}

.button.light {
  background: var(--yellow);
  color: var(--blue);
}

.button:disabled {
  cursor: wait;
  opacity: 0.68;
}

.trust-strip {
  flex-wrap: wrap;
  gap: 12px;
  margin: 0;
}

.trust-strip div {
  min-width: 132px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.78);
}

.trust-strip dt {
  font-size: 1.35rem;
  font-weight: 900;
  color: var(--blue);
}

.trust-strip dd {
  margin: 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.hero-visual {
  min-height: 430px;
}

.hero-visual img {
  width: 100%;
  height: 100%;
  max-height: 620px;
  object-fit: contain;
  filter: drop-shadow(0 28px 35px rgba(24, 35, 47, 0.14));
}

.hero-visual.human-visual {
  min-height: 500px;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.hero-visual.human-visual img {
  display: block;
  height: 100%;
  min-height: 500px;
  object-fit: cover;
  filter: none;
}

.quote-panel,
.danger-band,
.pricing-section,
.exclusions-section,
.offers,
.benefits,
.article-teasers,
.contact-band,
.legal-section {
  padding: clamp(42px, 7vw, 86px) clamp(18px, 5vw, 72px);
}

.section-intro {
  max-width: 720px;
  margin-bottom: 26px;
}

.quote-panel {
  background: var(--white);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.quote-form {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
  align-items: end;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

label {
  display: grid;
  gap: 8px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
}

select,
input {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 12px;
  color: var(--ink);
  font: inherit;
  background: var(--white);
}

.form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.quote-result {
  min-height: 30px;
  margin: 16px 0 0;
  color: var(--blue);
  font-weight: 800;
}

.danger-band {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 34px;
  align-items: center;
  background: var(--blue);
  color: var(--white);
}

.danger-band .eyebrow {
  color: var(--yellow);
}

.danger-band h2,
.danger-band p {
  margin-bottom: 0;
}

.danger-band p {
  color: #dce8ff;
  font-size: 1.08rem;
}

.pricing-section {
  background: var(--white);
}

.pricing-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.72fr) minmax(0, 1.28fr);
  gap: 18px;
  align-items: stretch;
}

.price-card {
  padding: 28px;
  border-radius: 8px;
  background: var(--blue);
  color: var(--white);
  box-shadow: var(--shadow);
}

.price-label {
  margin-bottom: 12px;
  color: var(--yellow);
  font-weight: 900;
  text-transform: uppercase;
}

.price {
  margin-bottom: 14px;
  font-size: clamp(3.2rem, 7vw, 5.6rem);
  font-weight: 900;
  line-height: 0.9;
}

.price span {
  display: block;
  margin-top: 8px;
  font-size: 1.05rem;
}

.price-card p:not(.price):not(.price-label) {
  color: #dce8ff;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.coverage-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.coverage-grid p {
  margin-bottom: 6px;
  color: var(--muted);
  font-weight: 700;
}

.exclusions-section {
  background: #fff7d8;
  border-top: 1px solid #f1d26a;
  border-bottom: 1px solid #f1d26a;
}

.exclusions-section .section-intro p {
  color: #5d4c17;
}

.exclusion-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
}

.exclusion-grid span {
  min-height: 74px;
  display: flex;
  align-items: center;
  padding: 16px;
  border-radius: 8px;
  background: var(--white);
  color: #8a1f1f;
  font-weight: 900;
  border: 1px solid #f0b7a8;
}

.exclusion-grid span::before {
  content: "X";
  display: inline-grid;
  width: 24px;
  height: 24px;
  margin-right: 10px;
  place-items: center;
  border-radius: 50%;
  background: #b42318;
  color: var(--white);
  font-size: 0.85rem;
}

.offer-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.offer-card {
  min-height: 250px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.offer-icon {
  display: grid;
  width: 44px;
  height: 44px;
  margin-bottom: 22px;
  place-items: center;
  border-radius: 8px;
  background: var(--blue);
  color: var(--yellow);
  font-size: 1.35rem;
  font-weight: 900;
}

.offer-card p,
.benefit-list p {
  color: var(--muted);
}

.offer-card a {
  color: var(--blue);
  font-weight: 800;
}

.benefits {
  display: grid;
  grid-template-columns: 0.75fr 1.25fr;
  gap: 48px;
  background: var(--mist);
}

.benefit-list {
  display: grid;
  gap: 16px;
}

.benefit-list article {
  padding: 22px;
  border-left: 4px solid var(--yellow);
  background: var(--white);
  border-radius: 0 8px 8px 0;
}

.article-teasers {
  background: var(--white);
  border-top: 1px solid var(--line);
}

.teaser-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.teaser-grid a {
  min-height: 112px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--blue);
  font-weight: 900;
}

.article-page {
  background: var(--white);
}

.article-hero,
.article-content {
  max-width: 920px;
  margin: 0 auto;
  padding: clamp(34px, 6vw, 74px) clamp(18px, 4vw, 42px);
}

.article-hero {
  border-bottom: 1px solid var(--line);
}

.article-hero h1 {
  font-size: clamp(2rem, 4vw, 3.8rem);
}

.article-feature-image {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 7;
  margin-top: 28px;
  border-radius: 8px;
  object-fit: cover;
  box-shadow: var(--shadow);
}

.article-meta {
  color: var(--muted);
  font-weight: 700;
}

.article-content h2 {
  margin-top: 34px;
}

.article-content p,
.article-content li {
  color: var(--muted);
}

.article-content a {
  color: var(--blue);
  font-weight: 800;
}

.article-list {
  display: grid;
  gap: 14px;
  padding: 0;
  list-style: none;
}

.article-list a {
  display: block;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--blue);
  font-weight: 900;
}

.article-menu-section {
  max-width: 920px;
  margin: 0 auto;
  padding: clamp(28px, 5vw, 58px) clamp(18px, 4vw, 42px);
}

.article-menu-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
  width: 100%;
  margin: 0;
  padding: 0;
  list-style: none;
}

.article-menu-grid li {
  display: block;
  width: 100%;
}

.article-menu-grid a {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  align-items: center;
  min-height: 72px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--blue);
  font-weight: 900;
  line-height: 1.25;
}

.article-menu-grid span {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border-radius: 8px;
  background: var(--blue);
  color: var(--yellow);
}

.contact-band {
  justify-content: space-between;
  gap: 24px;
  background: var(--blue);
  color: var(--white);
}

.contact-band .eyebrow {
  color: var(--yellow);
}

.contact-band h2 {
  margin-bottom: 0;
}

.legal-section {
  background: var(--white);
  border-top: 1px solid var(--line);
}

.legal-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.legal-grid article {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.legal-grid p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.94rem;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 24px clamp(18px, 5vw, 72px);
  color: var(--muted);
  font-size: 0.9rem;
}

.site-footer p {
  margin: 0;
}

.site-footer a:hover {
  color: var(--blue);
}

.cookie-banner {
  position: fixed;
  right: clamp(14px, 3vw, 32px);
  bottom: clamp(14px, 3vw, 32px);
  z-index: 30;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 18px;
  align-items: center;
  width: min(720px, calc(100vw - 28px));
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.cookie-banner p {
  margin: 0;
  color: var(--muted);
  font-size: 0.94rem;
}

.cookie-title {
  margin-bottom: 4px !important;
  color: var(--ink) !important;
  font-weight: 800;
}

.cookie-actions {
  display: flex;
  gap: 10px;
  align-items: center;
}

@media (max-width: 980px) {
  .main-nav {
    display: none;
  }

  .hero,
  .benefits,
  .danger-band,
  .pricing-layout {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .hero-visual {
    min-height: 280px;
  }

  .quote-form,
  .offer-grid,
  .coverage-grid,
  .exclusion-grid,
  .teaser-grid,
  .article-menu-grid,
  .legal-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .site-header {
    align-items: flex-start;
  }

  .brand span {
    font-size: 0.98rem;
  }

  .brand-logo {
    width: 40px;
    height: 36px;
  }

  .header-action {
    display: none;
  }

  .hero {
    padding-top: 34px;
  }

  .quote-form,
  .offer-grid,
  .coverage-grid,
  .exclusion-grid,
  .teaser-grid,
  .article-menu-grid,
  .legal-grid {
    grid-template-columns: 1fr;
  }

  .offer-card {
    min-height: auto;
  }

  .contact-band,
  .site-footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .cookie-banner {
    grid-template-columns: 1fr;
  }

  .cookie-actions {
    width: 100%;
  }

  .cookie-actions .button {
    flex: 1;
    text-align: center;
  }
}