:root {
  --ink: #0f2b3a;
  --ink-soft: #274b5e;
  --navy: #103a44;
  --teal: #0e7c86;
  --teal-light: #e6f4f5;
  --amber: #f5a623;
  --amber-dark: #d98900;
  --paper: #ffffff;
  --mist: #f4f8f9;
  --line: #dfe8ea;
  --text: #3c4f5a;
  --danger: #b42318;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 43, 58, 0.10);
  --shadow-lg: 0 20px 50px rgba(15, 43, 58, 0.16);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", Arial, Helvetica, sans-serif;
  color: var(--text);
  line-height: 1.6;
  background: var(--paper);
}

h1, h2, h3, h4 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  line-height: 1.25;
  margin: 0 0 0.5rem;
}

p { margin: 0 0 1rem; }

a { color: var(--teal); text-decoration: none; }

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.8rem 1.4rem;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  color: #fff;
  box-shadow: var(--shadow);
}
.btn-primary:hover { box-shadow: var(--shadow-lg); }
.btn-outline {
  border-color: var(--teal);
  color: var(--teal);
  background: transparent;
}
.btn-outline:hover { background: var(--teal-light); }
.btn-secondary { background: var(--teal-light); color: var(--teal); }
.btn-secondary:hover { background: #d7ecee; }
.btn-call {
  background: var(--ink);
  color: var(--amber);
  border-color: var(--ink);
}
.btn-call:hover { background: var(--navy); }
.btn-lg { padding: 1rem 2rem; font-size: 1.05rem; }
.btn-block { display: block; text-align: center; }

/* ---------- Header ---------- */
.site-header {
  background: var(--ink);
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.brand {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: #fff;
}
.brand span { color: var(--amber); }
.main-nav {
  display: flex;
  gap: 1.1rem;
  flex-wrap: wrap;
  margin-left: auto;
}
.main-nav a { color: #c9dbe0; font-size: 0.95rem; }
.main-nav a:hover { color: var(--amber); }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(circle at 15% 20%, rgba(245, 166, 35, 0.18), transparent 40%),
    radial-gradient(circle at 85% 15%, rgba(14, 124, 134, 0.25), transparent 45%),
    linear-gradient(160deg, var(--teal), var(--navy));
  color: #eef7f8;
  padding: 4rem 0 5rem;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3rem;
  align-items: center;
}
.hero h1 { font-size: clamp(1.8rem, 4vw, 2.9rem); color: #fff; }
.hero p { font-size: 1.05rem; color: #dcecef; }
.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--amber);
  margin-bottom: 0.6rem;
}
.hero-actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin: 1.5rem 0;
}
.hero .btn-outline { border-color: #9fd0d6; color: #fff; }
.hero .btn-outline:hover { background: rgba(255,255,255,0.12); }
.trust-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  gap: 1.2rem;
  flex-wrap: wrap;
  font-size: 0.9rem;
  color: #cfe5e8;
}
.trust-list li::before { content: "\2713"; color: var(--amber); font-weight: 700; margin-right: 0.4rem; }

.hero-card {
  background: var(--paper);
  color: var(--text);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
}
.price-badge {
  text-align: center;
  background: var(--teal-light);
  border-radius: var(--radius);
  padding: 1.2rem;
  margin-bottom: 1.2rem;
  border-left: 6px solid var(--amber);
}
.price-badge strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2rem;
  color: var(--ink);
}
.price-badge span { color: var(--text); font-size: 0.9rem; }
.price-features {
  list-style: none;
  padding: 0;
  margin: 0 0 1.2rem;
}
.price-features li {
  padding: 0.45rem 0;
  border-bottom: 1px dashed var(--line);
  font-size: 0.95rem;
}
.price-features li::before { content: "\2713"; color: var(--teal); font-weight: 700; margin-right: 0.5rem; }

/* ---------- Sections ---------- */
.section { padding: 4.5rem 0; }
.section.alt { background: var(--mist); }
.section h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
.lede { max-width: 640px; }

/* ---------- Services ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.4rem;
  margin-top: 2rem;
}
.service-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.card-visual {
  border-radius: 10px;
  height: 120px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 1rem;
  background: linear-gradient(135deg, var(--teal), var(--navy));
}
.card-icon {
  font-size: 2.4rem;
  line-height: 1;
  font-weight: 400;
}
.card-visual.car    { background: linear-gradient(135deg, #f5a623, #b45309); }
.card-visual.bike   { background: linear-gradient(135deg, #e76f51, #8d3b26); }
.card-visual.health { background: linear-gradient(135deg, #43a047, #1b5e20); }
.card-visual.policy { background: linear-gradient(135deg, #6a4c93, #2b2440); }
.service-card h3 { font-size: 1.15rem; }
.service-card p { font-size: 0.93rem; }

/* ---------- Features ---------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.4rem;
  margin-top: 2rem;
}
.feature {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
}
.feature-icon {
  font-size: 1.8rem;
  color: var(--amber);
  display: block;
  margin-bottom: 0.6rem;
}
.feature h3 { font-size: 1.1rem; }
.feature p { font-size: 0.93rem; margin: 0; }

/* ---------- Steps ---------- */
.step-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.4rem;
  margin-top: 2rem;
}
.step {
  text-align: center;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.4rem;
}
.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  color: #fff;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.3rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.8rem;
}
.step h3 { font-size: 1.1rem; }
.step p { font-size: 0.93rem; margin: 0; }

.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 1.2rem;
  margin-top: 2.6rem;
}
.stat {
  background: var(--teal-light);
  border-radius: var(--radius);
  padding: 1.4rem;
  text-align: center;
}
.stat strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.9rem;
  color: var(--teal);
}
.stat span { font-size: 0.9rem; color: var(--text); }

/* ---------- FAQ ---------- */
.faq { scroll-margin-top: 80px; }
.faq-list { margin-top: 1.8rem; max-width: 760px; }
.faq-list details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 1rem 1.2rem;
  margin-bottom: 0.8rem;
}
.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--ink);
}
.faq-list details p { margin: 0.8rem 0 0; font-size: 0.95rem; }

/* ---------- CTA ---------- */
.cta {
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  padding: 4rem 0;
  text-align: center;
  color: #fff;
}
.cta h2 { color: #fff; }
.cta p { color: #fff; opacity: 0.95; }
.cta .btn-primary {
  background: var(--ink);
  color: #fff;
  border-color: var(--ink);
  box-shadow: var(--shadow-lg);
}
.cta .btn-primary:hover { background: var(--navy); }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #b9ced4; padding-top: 3rem; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2rem;
  padding-bottom: 2rem;
}
.footer-inner h4 {
  color: var(--amber);
  font-family: inherit;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.8rem;
}
.footer-links a, .footer-contact a {
  display: block;
  color: #b9ced4;
  padding: 0.2rem 0;
  font-size: 0.92rem;
}
.footer-links a:hover, .footer-contact a:hover { color: var(--amber); }
.footer-brand .brand { font-size: 1.15rem; }
.footer-brand p { font-size: 0.9rem; margin-top: 0.6rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 1rem 0;
}
.footer-bottom p { margin: 0; font-size: 0.85rem; color: #8ba4ab; }

/* ---------- Page header (legal pages) ---------- */
.page-hero {
  background: linear-gradient(160deg, var(--teal), var(--navy));
  color: #fff;
  padding: 3rem 0;
}
.page-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
.page-hero p { color: #dcecef; margin: 0; }

.legal {
  padding: 3.5rem 0;
}
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.4rem;
  box-shadow: var(--shadow);
}
.legal-content h2 {
  font-size: 1.3rem;
  margin-top: 2rem;
  padding-top: 1.2rem;
  border-top: 1px solid var(--line);
}
.legal-content h2:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.legal-content h3 { font-size: 1.05rem; margin-top: 1.2rem; }
.legal-content p, .legal-content li { font-size: 0.95rem; }
.legal-content ul { padding-left: 1.2rem; }
.legal-content strong { color: var(--ink); }
.updated { font-size: 0.85rem; color: var(--ink-soft); font-style: italic; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .main-nav { margin-left: 0; width: 100%; }
}
@media (max-width: 560px) {
  .footer-inner { grid-template-columns: 1fr; }
  .card-grid, .feature-grid, .step-grid { grid-template-columns: 1fr; }
  .header-inner .btn-call { font-size: 0.85rem; padding: 0.6rem 1rem; }
}

/* Disclosure notice under navigation */
.disclosure {
  background: #fff8e1;
  border-bottom: 1px solid #f0c96b;
  padding: 10px 0;
  font-size: 0.85rem;
  color: #6b5200;
}
.disclosure .container {
  display: flex;
  align-items: center;
  gap: 8px;
  line-height: 1.45;
}
.disclosure-icon {
  font-size: 1rem;
  flex-shrink: 0;
}
.disclosure-footer {
  margin-top: 24px;
  border-top: 2px solid #e8c15a;
}