:root {
  --navy: #062556;
  --navy-dark: #021638;
  --gold: #e5a100;
  --gold-dark: #bd8300;
  --ink: #071b3f;
  --muted: #5d6b81;
  --line: #d9e0ea;
  --soft: #f6f9fd;
  --white: #ffffff;
  --shadow: 0 18px 42px rgba(3, 22, 56, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

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

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

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

.sr-only,
.honeypot {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  min-height: 92px;
  display: grid;
  grid-template-columns: auto 1fr auto auto;
  align-items: center;
  gap: 22px;
  padding: 12px clamp(18px, 4vw, 42px);
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 6px 22px rgba(7, 27, 63, 0.08);
}

.brand img {
  width: auto;
  height: 70px;
}

.site-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: clamp(12px, 2vw, 28px);
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
}

.site-nav a {
  padding: 12px 0;
}

.site-nav a:hover,
.site-nav a:focus-visible {
  color: var(--gold-dark);
}

.header-phone {
  white-space: nowrap;
  color: var(--navy);
  font-size: clamp(18px, 2vw, 28px);
  font-weight: 800;
}

.header-phone span {
  color: var(--navy);
}

.header-cta,
.button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  border-radius: 7px;
  padding: 12px 22px;
  border: 2px solid transparent;
  font-weight: 800;
  cursor: pointer;
}

.header-cta,
.button-primary {
  color: var(--white);
  background: linear-gradient(180deg, #f2b516 0%, var(--gold) 100%);
  box-shadow: 0 9px 20px rgba(229, 161, 0, 0.24);
}

.button-primary:hover,
.button-primary:focus-visible,
.header-cta:hover,
.header-cta:focus-visible {
  background: var(--gold-dark);
}

.button-outline {
  color: var(--navy);
  border-color: var(--navy);
  background: var(--white);
}

.button-full {
  width: 100%;
  border: 0;
  font-size: 17px;
}

.menu-toggle {
  display: none;
}

.hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(280px, 1.05fr) minmax(320px, 0.9fr) minmax(330px, 0.76fr);
  gap: clamp(20px, 2vw, 36px);
  align-items: center;
  min-height: 635px;
  padding: clamp(32px, 5vw, 74px) clamp(18px, 4vw, 42px);
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(255,255,255,0.97) 0%, rgba(255,255,255,0.9) 35%, rgba(255,255,255,0.48) 58%, rgba(255,255,255,0.2) 100%),
    url("assets/family.jpg") center / cover;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 620px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold-dark);
  font-size: 14px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 640px;
  margin: 0;
  color: var(--navy);
  font-size: clamp(38px, 5.5vw, 68px);
  line-height: 1.04;
  text-transform: uppercase;
}

.hero-subtitle {
  margin: 8px 0 10px;
  color: var(--navy);
  font-size: clamp(27px, 3vw, 42px);
  font-weight: 500;
  line-height: 1.18;
}

.hero-subtitle span {
  color: var(--gold);
  font-weight: 800;
}

.hero-copy {
  max-width: 520px;
  margin: 0 0 22px;
  color: #18345e;
  font-size: 19px;
}

.check-list {
  display: grid;
  gap: 8px;
  margin: 0 0 28px;
  padding: 0;
  list-style: none;
  color: var(--ink);
  font-weight: 700;
}

.check-list li {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 8px;
  align-items: start;
}

.check-list li::before {
  content: "✓";
  display: inline-grid;
  width: 18px;
  height: 18px;
  place-items: center;
  margin-top: 2px;
  border-radius: 50%;
  color: var(--white);
  background: var(--gold);
  font-size: 12px;
  font-weight: 900;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.hero-photo {
  z-index: 1;
  align-self: stretch;
  min-height: 520px;
  border-radius: 0;
  overflow: hidden;
}

.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.quote-card {
  position: relative;
  z-index: 3;
  width: 100%;
  padding: clamp(22px, 3vw, 34px);
  border-radius: 8px;
  color: var(--white);
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  box-shadow: var(--shadow);
}

.quote-card h2 {
  margin: 0 0 2px;
  text-align: center;
  font-size: clamp(25px, 2vw, 34px);
}

.quote-card > p {
  margin: 0 0 18px;
  text-align: center;
  font-size: 17px;
  font-weight: 700;
}

.quote-form {
  display: grid;
  gap: 13px;
}

.quote-form label {
  display: grid;
  gap: 6px;
  color: var(--white);
  font-size: 13px;
  font-weight: 800;
}

.quote-form input,
.quote-form select {
  width: 100%;
  min-height: 45px;
  border: 1px solid rgba(255,255,255,0.38);
  border-radius: 5px;
  padding: 10px 12px;
  color: #27354f;
  font: inherit;
  background: var(--white);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 13px;
}

.consent {
  grid-template-columns: 18px 1fr;
  gap: 9px;
  align-items: start;
  color: rgba(255,255,255,0.9);
  font-size: 12px;
  line-height: 1.35;
}

.consent input {
  min-height: auto;
  margin-top: 2px;
}

.form-note {
  margin: 0;
  color: rgba(255,255,255,0.82);
  text-align: center;
  font-size: 12px;
}

.success-message {
  margin: 0 0 16px;
  padding: 12px;
  border-radius: 6px;
  color: #173c1f;
  background: #d9f4df;
  font-size: 14px;
  font-weight: 800;
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  padding: 24px clamp(18px, 4vw, 64px);
  color: var(--white);
  background: linear-gradient(90deg, var(--navy-dark), var(--navy));
}

.trust-bar div {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 8px 14px;
  align-items: center;
  min-height: 78px;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,0.28);
}

.trust-bar div:last-child {
  border-right: 0;
}

.trust-icon {
  grid-row: span 2;
  display: grid;
  width: 52px;
  height: 52px;
  place-items: center;
  border: 3px solid rgba(255,255,255,0.92);
  border-radius: 50%;
  font-weight: 900;
}

.trust-bar strong {
  font-size: 18px;
}

.trust-bar p {
  margin: 0;
  color: rgba(255,255,255,0.86);
}

.why-section,
.coverage-section,
.resources-contact,
.about-section {
  padding: clamp(46px, 7vw, 84px) clamp(18px, 5vw, 76px);
}

.why-section {
  display: grid;
  grid-template-columns: minmax(240px, 0.78fr) 1.6fr;
  gap: clamp(28px, 5vw, 68px);
}

.section-intro h2,
.center-heading h2,
.faq-panel h2,
.contact-panel h2,
.about-section h2 {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: clamp(28px, 3vw, 42px);
  line-height: 1.12;
}

.section-intro p:last-child,
.about-section p:last-child {
  color: var(--muted);
  font-size: 17px;
}

.reason-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  align-items: stretch;
}

.reason-grid article {
  display: grid;
  align-content: start;
  gap: 9px;
  min-height: 178px;
  padding: 18px 18px 18px 22px;
  border-left: 1px solid var(--line);
}

.reason-grid span {
  display: grid;
  width: 48px;
  height: 48px;
  place-items: center;
  color: var(--navy);
  border: 2px solid var(--navy);
  border-radius: 50%;
  font-weight: 900;
}

.reason-grid h3,
.coverage-card h3 {
  margin: 0;
  color: var(--navy);
  font-size: 20px;
}

.reason-grid p,
.coverage-card p {
  margin: 0;
  color: var(--muted);
}

.center-heading {
  text-align: center;
}

.center-heading span {
  color: var(--gold);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  max-width: 1450px;
  margin: 26px auto 0;
}

.coverage-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 28px rgba(7, 27, 63, 0.08);
}

.coverage-card img {
  width: 100%;
  aspect-ratio: 1.72 / 1;
  object-fit: cover;
}

.coverage-card div {
  padding: 20px;
}

.coverage-card ul {
  margin: 14px 0 0;
  padding-left: 20px;
  color: var(--ink);
}

.resources-contact {
  display: grid;
  grid-template-columns: 0.9fr 1fr;
  gap: clamp(22px, 4vw, 56px);
  background: var(--soft);
}

.faq-panel,
.contact-panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 26px rgba(7, 27, 63, 0.08);
}

.faq-panel {
  padding: 24px;
}

details {
  border-top: 1px solid var(--line);
}

summary {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 0;
  color: var(--navy);
  font-weight: 800;
  cursor: pointer;
}

summary::after {
  content: "+";
  color: var(--navy);
  font-size: 22px;
  line-height: 1;
}

details[open] summary::after {
  content: "-";
}

details p {
  margin: 0 0 16px;
  color: var(--muted);
}

.contact-panel {
  display: grid;
  grid-template-columns: 0.95fr 1fr;
  gap: 18px;
  padding: 24px;
  align-items: center;
}

.contact-panel p {
  margin: 0 0 12px;
  color: #243958;
}

.contact-panel a {
  color: var(--navy);
  font-weight: 900;
}

.contact-panel img {
  width: 100%;
  min-height: 280px;
  border-radius: 6px;
  object-fit: cover;
  object-position: center;
}

.language-pill {
  display: inline-flex;
  padding: 10px 12px;
  border-radius: 6px;
  color: var(--navy);
  background: #eef4ff;
  font-weight: 800;
}

.about-section {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

.about-section div {
  max-width: 840px;
}

.site-footer {
  display: grid;
  grid-template-columns: 260px 1fr auto;
  gap: 36px;
  align-items: center;
  padding: 28px clamp(18px, 5vw, 76px);
  color: var(--white);
  background: linear-gradient(90deg, var(--navy-dark), var(--navy));
}

.footer-logo {
  display: block;
  padding: 10px;
  border-radius: 8px;
  background: var(--white);
}

.footer-logo img {
  width: auto;
  height: 70px;
}

.site-footer p {
  margin: 0;
  color: rgba(255,255,255,0.86);
  font-size: 13px;
}

@media (max-width: 1180px) {
  .site-header {
    grid-template-columns: auto auto 1fr;
  }

  .menu-toggle {
    display: inline-grid;
    width: 46px;
    height: 42px;
    place-items: center;
    border: 1px solid var(--line);
    border-radius: 6px;
    background: var(--white);
  }

  .menu-toggle span:not(.sr-only) {
    width: 23px;
    height: 2px;
    background: var(--navy);
  }

  .site-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 10px 24px 20px;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 26px rgba(7, 27, 63, 0.12);
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    border-bottom: 1px solid var(--line);
  }

  .header-phone {
    justify-self: end;
  }

  .header-cta {
    display: none;
  }

  .hero {
    grid-template-columns: 1fr 0.82fr;
  }

  .hero-photo {
    display: none;
  }

  .trust-bar,
  .coverage-grid,
  .reason-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-section,
  .resources-contact {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .site-header {
    min-height: 78px;
    grid-template-columns: 1fr auto;
    gap: 12px;
  }

  .brand img {
    height: 58px;
  }

  .header-phone {
    grid-column: 1 / -1;
    justify-self: start;
    font-size: 18px;
  }

  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
    padding-top: 34px;
    background:
      linear-gradient(180deg, rgba(255,255,255,0.97) 0%, rgba(255,255,255,0.9) 56%, rgba(255,255,255,0.82) 100%),
      url("assets/family.jpg") center / cover;
  }

  .hero-actions,
  .form-grid,
  .about-section {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: clamp(34px, 12vw, 46px);
  }

  .trust-bar,
  .coverage-grid,
  .reason-grid,
  .contact-panel,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .trust-bar div {
    padding: 18px 0;
    border-right: 0;
    border-bottom: 1px solid rgba(255,255,255,0.22);
  }

  .trust-bar div:last-child {
    border-bottom: 0;
  }

  .why-section,
  .coverage-section,
  .resources-contact,
  .about-section {
    padding: 42px 18px;
  }
}