:root {
  --navy: #0b1e32;
  --navy-deep: #071624;
  --navy-soft: #122d46;
  --gold: #c7a45c;
  --gold-deep: #846329;
  --gold-light: #e8d5a9;
  --paper: #f7f4ed;
  --white: #fffdf9;
  --mist: #edf0ee;
  --ink: #142331;
  --muted: #5b6974;
  --line: #dadfd9;
  --line-dark: rgba(232, 213, 169, 0.18);
  --error: #a13c31;
  --success: #1f654b;
  --font-display: "Sora", "Segoe UI", sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --shadow-sm: 0 14px 34px rgba(7, 22, 36, 0.08);
  --shadow-md: 0 24px 62px rgba(7, 22, 36, 0.14);
  --shadow-lg: 0 32px 84px rgba(7, 22, 36, 0.30);
  --header-height: 80px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  overflow-x: clip;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

img,
svg {
  display: block;
}

img {
  max-width: 100%;
  height: auto;
}

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

button {
  cursor: pointer;
}

a {
  color: inherit;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}

p,
h1,
h2,
h3,
h4,
ul,
ol,
figure,
blockquote {
  margin: 0;
}

ul,
ol {
  padding: 0;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.06;
  letter-spacing: -0.045em;
}

.accent {
  color: var(--gold-deep);
}

::selection {
  background: var(--gold-light);
  color: var(--navy-deep);
}

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

[id] {
  scroll-margin-top: calc(var(--header-height) + 24px);
}

.container {
  width: min(1180px, calc(100% - 56px));
  margin-inline: auto;
}

.svg-sprite {
  position: absolute;
  width: 0;
  height: 0;
  overflow: hidden;
}

.icon {
  width: 20px;
  height: 20px;
  flex: 0 0 auto;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.skip-link {
  position: fixed;
  z-index: 2000;
  top: 12px;
  left: 12px;
  padding: 12px 18px;
  border: 1px solid var(--gold);
  border-radius: 3px;
  background: var(--navy-deep);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  transform: translateY(-140%);
  transition: transform 180ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 17px;
  color: var(--gold-deep);
  font-size: 9.5px;
  font-weight: 700;
  letter-spacing: 0.18em;
  line-height: 1.4;
  text-transform: uppercase;
}

.eyebrow-mark {
  display: inline-block;
  width: 7px;
  height: 7px;
  flex: 0 0 auto;
  background: currentColor;
  transform: rotate(45deg);
}

.eyebrow-light {
  color: var(--gold);
}

.label {
  margin-bottom: 11px;
  color: var(--gold-deep);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.18em;
  line-height: 1.4;
  text-transform: uppercase;
}

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 13px 21px;
  border: 1px solid transparent;
  border-radius: 3px;
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  transition: background-color 180ms ease, border-color 180ms ease, color 180ms ease, transform 180ms ease, box-shadow 180ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button:active {
  transform: translateY(0);
}

.button .icon {
  width: 17px;
  height: 17px;
  transition: transform 180ms ease;
}

.button:hover .icon {
  transform: translateX(3px);
}

.button-gold {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy-deep);
  box-shadow: 0 9px 22px rgba(143, 110, 45, 0.16);
}

.button-gold:hover {
  border-color: var(--gold-light);
  background: var(--gold-light);
  box-shadow: 0 13px 30px rgba(143, 110, 45, 0.2);
}

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

.button-navy:hover {
  border-color: var(--navy-soft);
  background: var(--navy-soft);
}

.button-ghost-light {
  border-color: rgba(255, 253, 249, 0.25);
  background: transparent;
  color: var(--white);
}

.button-ghost-light:hover {
  border-color: var(--gold);
  background: rgba(199, 164, 92, 0.08);
  color: var(--gold-light);
}

.button-sm {
  min-height: 42px;
  padding: 10px 16px;
  font-size: 10.5px;
}

.button-lg {
  min-height: 55px;
  padding: 16px 24px;
  font-size: 12px;
}

.button-block {
  width: 100%;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 4px;
  border-bottom: 1px solid rgba(143, 110, 45, 0.4);
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 600;
  text-decoration: none;
  transition: color 180ms ease, border-color 180ms ease;
}

.text-link .icon {
  width: 15px;
  height: 15px;
  color: var(--gold-deep);
  transition: transform 180ms ease;
}

.text-link:hover {
  border-color: var(--gold-deep);
  color: var(--gold-deep);
}

.text-link:hover .icon {
  transform: translateX(3px);
}

.site-header {
  position: sticky;
  z-index: 1000;
  top: 0;
  border-bottom: 1px solid rgba(199, 164, 92, 0.18);
  background: rgba(7, 22, 36, 0.97);
  color: var(--white);
  backdrop-filter: blur(14px);
  transition: background-color 200ms ease, box-shadow 200ms ease;
}

.site-header.is-scrolled {
  background: rgba(7, 22, 36, 0.99);
  box-shadow: 0 14px 34px rgba(0, 0, 0, 0.2);
}

.header-inner {
  display: flex;
  min-height: var(--header-height);
  align-items: center;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  flex: 0 0 auto;
  text-decoration: none;
}

.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
}

.brand-copy {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.brand-name {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  letter-spacing: -0.04em;
  line-height: 1;
}

.brand-sub {
  color: var(--gold);
  font-size: 7px;
  font-weight: 600;
  letter-spacing: 0.2em;
  line-height: 1.4;
  text-transform: uppercase;
}

.site-nav {
  margin-left: auto;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: clamp(18px, 2.1vw, 30px);
  list-style: none;
}

.nav-list a {
  position: relative;
  display: inline-block;
  padding: 10px 0;
  color: rgba(255, 253, 249, 0.66);
  font-family: var(--font-display);
  font-size: 10.5px;
  font-weight: 500;
  text-decoration: none;
  transition: color 160ms ease;
}

.nav-list a::after {
  position: absolute;
  right: 0;
  bottom: 4px;
  left: 0;
  height: 1px;
  background: var(--gold);
  content: "";
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 180ms ease;
}

.nav-list a:hover {
  color: var(--white);
}

.nav-list a:hover::after {
  transform: scaleX(1);
  transform-origin: left;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 17px;
  flex: 0 0 auto;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255, 253, 249, 0.74);
  font-size: 10.5px;
  font-weight: 500;
  text-decoration: none;
}

.header-phone .icon {
  width: 15px;
  height: 15px;
  color: var(--gold);
}

.header-phone:hover {
  color: var(--white);
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  padding: 0;
  border: 1px solid rgba(255, 253, 249, 0.22);
  border-radius: 3px;
  background: transparent;
  color: var(--white);
}

.nav-toggle .icon {
  width: 21px;
  height: 21px;
}

.nav-toggle-close {
  display: none;
}

.site-header.nav-open .nav-toggle-open {
  display: none;
}

.site-header.nav-open .nav-toggle-close {
  display: block;
}

.nav-mobile-actions {
  display: none;
}

.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(68px, 8vw, 92px) 0 clamp(70px, 8vw, 94px);
  background:
    radial-gradient(circle at 78% 28%, rgba(199, 164, 92, 0.09) 0, rgba(199, 164, 92, 0) 34%),
    var(--navy);
  color: var(--white);
}

.hero-grid-lines {
  position: absolute;
  z-index: -2;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 253, 249, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 253, 249, 0.035) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: linear-gradient(90deg, rgba(0, 0, 0, 0.8), transparent 72%);
  pointer-events: none;
}

.hero-aura {
  position: absolute;
  z-index: -1;
  top: -230px;
  right: -160px;
  width: 680px;
  height: 680px;
  border: 1px solid rgba(199, 164, 92, 0.13);
  border-radius: 50%;
  pointer-events: none;
}

.hero-aura::before,
.hero-aura::after {
  position: absolute;
  border: 1px solid rgba(199, 164, 92, 0.08);
  border-radius: 50%;
  content: "";
}

.hero-aura::before {
  inset: 80px;
}

.hero-aura::after {
  inset: 170px;
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 0.96fr) minmax(0, 1.04fr);
  align-items: center;
  gap: clamp(40px, 6vw, 76px);
}

.hero-copy {
  position: relative;
  z-index: 2;
}

.hero h1 {
  max-width: 650px;
  color: var(--white);
  font-size: clamp(3rem, 5.7vw, 4.85rem);
  font-weight: 600;
  letter-spacing: -0.06em;
  line-height: 1.01;
}

.hero h1 span {
  display: block;
  color: var(--gold-light);
}

.hero-lede {
  max-width: 545px;
  margin-top: 24px;
  color: rgba(255, 253, 249, 0.62);
  font-size: clamp(0.97rem, 1.2vw, 1.05rem);
  line-height: 1.72;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 13px;
  margin-top: 30px;
}

.hero-foot {
  display: flex;
  flex-wrap: wrap;
  gap: 11px 20px;
  margin-top: 27px;
}

.hero-foot span {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255, 253, 249, 0.54);
  font-size: 9.5px;
  font-weight: 500;
}

.hero-foot .icon {
  width: 14px;
  height: 14px;
  color: var(--gold);
}

.hero-coverage-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 253, 249, 0.13);
}

.hero-coverage-list span {
  display: flex;
  align-items: center;
  color: rgba(255, 253, 249, 0.46);
  font-family: var(--font-display);
  font-size: 8.5px;
  font-weight: 500;
  letter-spacing: 0.13em;
  line-height: 1.4;
  text-transform: uppercase;
}

.hero-coverage-list span:not(:last-child)::after {
  width: 3px;
  height: 3px;
  margin: 0 11px;
  border-radius: 50%;
  background: var(--gold);
  content: "";
  opacity: 0.7;
}

.hero-visual {
  position: relative;
}

.hero-frame {
  position: relative;
  padding: 9px;
  border: 1px solid rgba(199, 164, 92, 0.34);
  border-radius: 5px;
  background: rgba(255, 253, 249, 0.025);
  box-shadow: var(--shadow-lg);
}

.hero-image {
  width: 100%;
  aspect-ratio: 1 / 1.03;
  border-radius: 2px;
  object-fit: cover;
  object-position: 50% 54%;
}

.hero-location {
  position: absolute;
  top: 24px;
  left: 24px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 10px;
  border: 1px solid rgba(199, 164, 92, 0.38);
  border-radius: 2px;
  background: rgba(7, 22, 36, 0.75);
  color: rgba(255, 253, 249, 0.78);
  font-family: var(--font-display);
  font-size: 8px;
  font-weight: 600;
  letter-spacing: 0.13em;
  line-height: 1;
  text-transform: uppercase;
  backdrop-filter: blur(8px);
}

.hero-location span {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
}

.minimum-card {
  position: absolute;
  right: 22px;
  bottom: 22px;
  left: 22px;
  padding: 18px 19px 16px;
  border-top: 2px solid var(--gold);
  border-radius: 2px;
  background: var(--white);
  box-shadow: 0 18px 38px rgba(0, 0, 0, 0.24);
  color: var(--ink);
}

.minimum-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 7.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  line-height: 1.4;
  text-transform: uppercase;
}

.minimum-top span:last-child {
  color: var(--muted);
  font-size: 7px;
}

.minimum-value {
  display: flex;
  align-items: baseline;
  gap: 3px;
  margin: 8px 0 4px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 31px;
  font-weight: 600;
  letter-spacing: -0.055em;
  line-height: 1;
}

.minimum-value span {
  color: var(--gold);
  font-weight: 400;
}

.minimum-card p {
  color: var(--muted);
  font-size: 8.5px;
  line-height: 1.55;
}

.minimum-card p strong {
  color: var(--navy);
  font-weight: 600;
}

.hero-note {
  margin-top: 11px;
  color: rgba(255, 253, 249, 0.31);
  font-size: 8.5px;
  line-height: 1.5;
  text-align: right;
}

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

.assurance-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.assurance-item {
  display: grid;
  grid-template-columns: 25px minmax(0, 1fr);
  gap: 10px;
  padding: 27px 26px;
  border-left: 1px solid var(--line);
}

.assurance-item:first-child {
  padding-left: 0;
  border-left: 0;
}

.assurance-item:last-child {
  padding-right: 0;
}

.assurance-number {
  padding-top: 2px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 8.5px;
  font-weight: 600;
  letter-spacing: 0.06em;
}

.assurance-item strong {
  display: block;
  margin-bottom: 3px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.4;
}

.assurance-item p {
  color: var(--muted);
  font-size: 9.5px;
  line-height: 1.5;
}

.section {
  padding: clamp(80px, 9vw, 112px) 0;
}

.section h2,
.about h2,
.coverage h2,
.quote-section h2,
.faq h2 {
  color: var(--navy);
  font-size: clamp(2.3rem, 4vw, 3.45rem);
  line-height: 1.05;
}

.about {
  background: var(--paper);
}

.about-header {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(300px, 0.72fr);
  align-items: end;
  gap: clamp(40px, 7vw, 92px);
  padding-bottom: clamp(38px, 5vw, 52px);
  border-bottom: 1px solid var(--line);
}

.about-header h2 {
  max-width: 730px;
}

.about-header > p {
  max-width: 410px;
  padding: 0 0 4px 22px;
  border-left: 1px solid var(--gold);
  color: var(--muted);
  font-size: 13px;
  line-height: 1.7;
}

.about-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.93fr) minmax(0, 1.07fr);
  align-items: start;
  gap: clamp(46px, 7vw, 84px);
  margin-top: clamp(48px, 6vw, 70px);
}

.about-visual {
  position: relative;
  padding-bottom: 46px;
}

.about-image-frame {
  padding: 9px;
  border: 1px solid rgba(199, 164, 92, 0.65);
  border-radius: 3px;
}

.about-image-frame img {
  width: 100%;
  min-height: 480px;
  aspect-ratio: 4 / 4.5;
  border-radius: 1px;
  object-fit: cover;
  object-position: 52% 52%;
}

.about-caption {
  position: absolute;
  right: 20px;
  bottom: 0;
  left: 30px;
  max-width: 330px;
  padding: 20px 22px;
  border-left: 2px solid var(--gold);
  background: var(--navy);
  box-shadow: var(--shadow-md);
  color: var(--white);
}

.about-caption span {
  display: block;
  margin-bottom: 7px;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 7.5px;
  font-weight: 600;
  letter-spacing: 0.16em;
  line-height: 1.4;
  text-transform: uppercase;
}

.about-caption p {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1.35;
}

.about-copy {
  padding-top: 10px;
}

.about-copy h3 {
  max-width: 620px;
  color: var(--navy);
  font-size: clamp(1.8rem, 2.9vw, 2.45rem);
  line-height: 1.12;
}

.about-copy > p:not(.label) {
  max-width: 600px;
  margin-top: 17px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.72;
}

.principles {
  margin: 29px 0 24px;
  border-top: 1px solid var(--line);
}

.principle {
  display: grid;
  grid-template-columns: 35px minmax(0, 1fr);
  gap: 13px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}

.principle-number {
  padding-top: 2px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 8.5px;
  font-weight: 600;
}

.principle h4 {
  margin-bottom: 4px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.45;
}

.principle p {
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.6;
}

.coverage {
  padding-bottom: 0;
  background: var(--white);
}

.coverage-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(0, 1.28fr);
  align-items: start;
  gap: clamp(45px, 7vw, 82px);
}

.coverage-intro {
  position: sticky;
  top: calc(var(--header-height) + 30px);
}

.coverage-intro h2 {
  max-width: 430px;
}

.coverage-intro > p:not(.eyebrow) {
  max-width: 410px;
  margin-top: 19px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.7;
}

.coverage-note {
  margin: 26px 0;
  padding: 18px 20px;
  border-left: 2px solid var(--gold);
  background: var(--paper);
}

.note-label {
  display: block;
  margin-bottom: 5px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 8px;
  font-weight: 700;
  letter-spacing: 0.14em;
  line-height: 1.4;
  text-transform: uppercase;
}

.coverage-note p {
  color: var(--muted);
  font-size: 10.5px;
  line-height: 1.65;
}

.coverage-intro .button {
  margin-top: 4px;
}

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

.coverage-card {
  display: flex;
  min-height: 278px;
  flex-direction: column;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: var(--paper);
  color: var(--ink);
  text-decoration: none;
  transition: border-color 200ms ease, background-color 200ms ease, transform 200ms ease, box-shadow 200ms ease;
}

.coverage-card:hover {
  border-color: rgba(143, 110, 45, 0.55);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transform: translateY(-3px);
}

.coverage-card-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 20px;
}

.coverage-icon {
  display: grid;
  width: 41px;
  height: 41px;
  place-items: center;
  border: 1px solid rgba(143, 110, 45, 0.26);
  border-radius: 2px;
  background: rgba(199, 164, 92, 0.08);
  color: var(--gold-deep);
}

.coverage-icon .icon {
  width: 20px;
  height: 20px;
}

.coverage-index {
  color: #5f6e65;
  font-family: var(--font-display);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.12em;
}

.coverage-tag {
  align-self: flex-start;
  margin-bottom: 11px;
  padding: 3px 6px;
  border: 1px solid rgba(143, 110, 45, 0.23);
  border-radius: 1px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 8.5px;
  font-weight: 600;
  letter-spacing: 0.11em;
  line-height: 1.5;
  text-transform: uppercase;
}

.coverage-card h3 {
  color: var(--navy);
  font-size: 23px;
  line-height: 1.1;
}

.coverage-card > p {
  margin-top: 8px;
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.65;
}

.coverage-link {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-top: auto;
  padding-top: 20px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.05em;
  line-height: 1.4;
  text-transform: uppercase;
}

.coverage-link .icon {
  width: 14px;
  height: 14px;
  transition: transform 180ms ease;
}

.coverage-card:hover .coverage-link .icon {
  transform: translateX(3px);
}

.additional {
  margin-top: clamp(55px, 7vw, 82px);
  background: var(--navy);
  color: var(--white);
}

.additional-inner {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(0, 1.28fr);
  align-items: center;
  gap: clamp(40px, 6vw, 78px);
  padding: 58px 0;
}

.additional-head h3 {
  max-width: 390px;
  color: var(--white);
  font-size: clamp(1.8rem, 2.7vw, 2.35rem);
  line-height: 1.13;
}

.additional-head > p:not(.eyebrow) {
  max-width: 360px;
  margin-top: 13px;
  color: rgba(255, 253, 249, 0.53);
  font-size: 11.5px;
  line-height: 1.6;
}

.additional-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border-top: 1px solid var(--line-dark);
  border-left: 1px solid var(--line-dark);
}

.additional-grid a {
  display: grid;
  grid-template-columns: 31px minmax(0, 1fr) 17px;
  align-items: center;
  gap: 10px;
  padding: 17px 16px;
  border-right: 1px solid var(--line-dark);
  border-bottom: 1px solid var(--line-dark);
  color: var(--white);
  text-decoration: none;
  transition: background-color 180ms ease;
}

.additional-grid a:hover {
  background: rgba(255, 253, 249, 0.05);
}

.additional-icon {
  color: var(--gold);
}

.additional-icon .icon {
  width: 20px;
  height: 20px;
}

.additional-copy strong {
  display: block;
  margin-bottom: 2px;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 600;
  line-height: 1.4;
}

.additional-copy span {
  display: block;
  color: rgba(255, 253, 249, 0.52);
  font-size: 10px;
  line-height: 1.5;
}

.additional-arrow {
  width: 15px;
  height: 15px;
  color: var(--gold);
  transition: transform 180ms ease;
}

.additional-grid a:hover .additional-arrow {
  transform: translateX(3px);
}

.process {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(78px, 9vw, 108px) 0;
  border-top: 1px solid rgba(199, 164, 92, 0.2);
  border-bottom: 1px solid rgba(199, 164, 92, 0.2);
  background: var(--navy-deep);
  color: var(--white);
}

.process-aura {
  position: absolute;
  z-index: -1;
  top: -290px;
  left: -190px;
  width: 640px;
  height: 640px;
  border: 1px solid rgba(199, 164, 92, 0.1);
  border-radius: 50%;
}

.process-aura::after {
  position: absolute;
  inset: 95px;
  border: 1px solid rgba(199, 164, 92, 0.06);
  border-radius: 50%;
  content: "";
}

.process-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(0, 1.18fr);
  align-items: start;
  gap: clamp(50px, 7vw, 94px);
}

.process-intro {
  padding-top: 5px;
}

.process-intro h2 {
  max-width: 450px;
  color: var(--white);
  font-size: clamp(2.4rem, 4vw, 3.5rem);
}

.process-intro h2 span {
  color: var(--gold-light);
}

.process-intro > p:not(.eyebrow, .process-fineprint) {
  max-width: 400px;
  margin-top: 18px;
  color: rgba(255, 253, 249, 0.54);
  font-size: 12.5px;
  line-height: 1.7;
}

.process-intro .button {
  margin-top: 26px;
}

.process-fineprint {
  display: flex;
  align-items: flex-start;
  color: rgba(255, 253, 249, 0.5);
  gap: 7px;
  max-width: 330px;
  margin-top: 18px;
  font-size: 10px;
  line-height: 1.55;
}

.process-fineprint .icon {
  width: 13px;
  height: 13px;
  margin-top: 1px;
  color: var(--gold);
}

.process-list {
  border-top: 1px solid var(--line-dark);
  list-style: none;
}

.process-list li {
  display: grid;
  grid-template-columns: 76px minmax(0, 1fr);
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid var(--line-dark);
}

.process-number {
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 23px;
  font-weight: 400;
  letter-spacing: -0.04em;
  line-height: 1;
}

.process-label {
  display: block;
  margin-bottom: 6px;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 7px;
  font-weight: 600;
  letter-spacing: 0.16em;
  line-height: 1.4;
  text-transform: uppercase;
}

.process-list h3 {
  margin-bottom: 7px;
  color: var(--white);
  font-size: 20px;
  line-height: 1.25;
}

.process-list p {
  max-width: 560px;
  color: rgba(255, 253, 249, 0.48);
  font-size: 11.5px;
  line-height: 1.65;
}

.quote-section {
  background:
    linear-gradient(90deg, rgba(199, 164, 92, 0.08) 1px, transparent 1px),
    var(--paper);
  background-size: 25% 100%;
}

.quote-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(0, 1.18fr);
  align-items: start;
  gap: clamp(48px, 7vw, 88px);
}

.quote-copy {
  padding-top: 12px;
}

.quote-copy > p:not(.eyebrow) {
  max-width: 440px;
  margin-top: 18px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.72;
}

.quote-facts {
  margin-top: 27px;
  border-top: 1px solid var(--line);
  list-style: none;
}

.quote-facts li {
  display: grid;
  grid-template-columns: 30px minmax(0, 1fr);
  gap: 11px;
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
}

.quote-facts li > span {
  padding-top: 1px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 8px;
  font-weight: 600;
}

.quote-facts strong {
  display: block;
  margin-bottom: 2px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 600;
  line-height: 1.45;
}

.quote-facts p {
  color: var(--muted);
  font-size: 10.5px;
  line-height: 1.55;
}

.quote-contact {
  margin-top: 30px;
  padding: 20px 22px;
  border-left: 2px solid var(--gold);
  background: var(--navy);
  color: var(--white);
}

.quote-contact-copy {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 18px;
}

.quote-contact-copy > span {
  width: 100%;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 7.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  line-height: 1.4;
  text-transform: uppercase;
}

.quote-contact a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--white);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 500;
  text-decoration: none;
}

.quote-contact a:hover {
  color: var(--gold-light);
}

.quote-contact .icon {
  width: 14px;
  height: 14px;
  color: var(--gold);
}

.quote-contact > p {
  margin-top: 11px;
  color: rgba(255, 253, 249, 0.5);
  font-size: 10px;
  line-height: 1.5;
}

.quote-contact > p a {
  display: inline;
  color: rgba(255, 253, 249, 0.7);
  font-family: var(--font-body);
  font-size: inherit;
  font-weight: 400;
  text-decoration: underline;
}

.form-card {
  padding: clamp(25px, 3.7vw, 38px);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 4px;
  background: var(--white);
  box-shadow: var(--shadow-md);
}

.form-heading {
  margin-bottom: 24px;
}

.form-kicker {
  display: block;
  margin-bottom: 8px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 7.5px;
  font-weight: 700;
  letter-spacing: 0.16em;
  line-height: 1.4;
  text-transform: uppercase;
}

.form-heading h3 {
  color: var(--navy);
  font-size: clamp(25px, 3vw, 31px);
  line-height: 1.12;
}

.form-heading > p {
  margin-top: 7px;
  color: var(--muted);
  font-size: 10.5px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 15px 13px;
}

.field {
  min-width: 0;
}

.field label {
  display: block;
  margin-bottom: 6px;
  color: #354553;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.4;
}

.field input,
.field select {
  width: 100%;
  min-height: 46px;
  padding: 11px 12px;
  border: 1px solid #ccd4d3;
  border-radius: 3px;
  outline: 0;
  background: #fff;
  color: var(--ink);
  font-size: 14px;
  transition: border-color 160ms ease, box-shadow 160ms ease, background-color 160ms ease;
}

.field input::placeholder {
  color: #9ba5a7;
}

.field input:hover,
.field select:hover {
  border-color: #a7b2b3;
}

.field input:focus,
.field select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11, 30, 50, 0.09);
}

.field input[aria-invalid="true"],
.field select[aria-invalid="true"] {
  border-color: var(--error);
  background: #fffbfa;
}

.field input[aria-invalid="true"]:focus,
.field select[aria-invalid="true"]:focus {
  box-shadow: 0 0 0 3px rgba(161, 60, 49, 0.1);
}

.select-wrap {
  position: relative;
}

.select-wrap select {
  padding-right: 37px;
  appearance: none;
  cursor: pointer;
}

.select-icon {
  position: absolute;
  top: 50%;
  right: 12px;
  width: 15px;
  height: 15px;
  color: var(--muted);
  pointer-events: none;
  transform: translateY(-50%);
}

.field-hint {
  margin-top: 4px;
  color: var(--muted);
  font-size: 10.5px;
  line-height: 1.45;
}

.field-error {
  display: none;
  margin-top: 5px;
  color: var(--error);
  font-size: 11px;
  font-weight: 500;
  line-height: 1.4;
}

.field-error:not(:empty) {
  display: block;
}

.consent-field {
  display: grid;
  grid-template-columns: 18px minmax(0, 1fr);
  gap: 9px 10px;
  margin-top: 17px;
}

.consent-field input[type="checkbox"] {
  width: 17px;
  height: 17px;
  margin: 3px 0 0;
  flex: 0 0 auto;
  border: 1.5px solid #a3adae;
  border-radius: 3px;
  appearance: none;
  background: #fff;
  cursor: pointer;
  transition: border-color 160ms ease, background-color 160ms ease, box-shadow 160ms ease;
}

.consent-field input[type="checkbox"]:hover {
  border-color: var(--gold-deep);
}

.consent-field input[type="checkbox"]:checked {
  border-color: var(--navy);
  background: var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23e8d5a9' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m20 6-11 11-5-5'/%3E%3C/svg%3E") center / 11px 11px no-repeat;
}

.consent-field input[type="checkbox"][aria-invalid="true"] {
  border-color: var(--error);
  box-shadow: 0 0 0 3px rgba(161, 60, 49, 0.08);
}

.consent-field label {
  color: #5b6974;
  font-size: 11px;
  line-height: 1.55;
  cursor: pointer;
}

.consent-field label a {
  color: var(--gold-deep);
  font-weight: 600;
}

.consent-field .field-error {
  grid-column: 2;
  margin-top: -2px;
}

.form-submit {
  margin-top: 19px;
}

.form-submit:disabled {
  cursor: wait;
  opacity: 0.7;
  transform: none;
}

.form-fineprint {
  margin-top: 10px;
  color: #5f6d72;
  font-size: 10px;
  line-height: 1.55;
  text-align: center;
}

.form-fineprint a {
  color: var(--gold-deep);
}

.form-status {
  display: none;
  margin-top: 15px;
  padding: 12px 13px;
  border: 1px solid transparent;
  border-radius: 3px;
  font-size: 11.5px;
  line-height: 1.55;
}

.form-status:not(:empty) {
  display: block;
}

.form-status.is-success {
  border-color: #bad7c7;
  background: #eff7f2;
  color: #16523c;
}

.form-status.is-error {
  border-color: #e5c2ba;
  background: #fff5f2;
  color: #812e24;
}

.form-status.is-info {
  border-color: #ddc99a;
  background: #faf5e7;
  color: #5a4a25;
}

.form-status a {
  color: inherit;
  font-weight: 600;
}

.faq {
  border-top: 1px solid var(--line);
  background: var(--mist);
}

.faq-header {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.56fr);
  align-items: end;
  gap: 50px;
  margin-bottom: 38px;
}

.faq-header h2 {
  max-width: 650px;
}

.faq-header > p {
  max-width: 350px;
  padding-bottom: 5px;
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.65;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: start;
  gap: 13px;
}

.faq-item {
  border: 1px solid var(--line);
  border-radius: 3px;
  background: var(--white);
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.faq-item[open] {
  border-color: rgba(143, 110, 45, 0.4);
  box-shadow: var(--shadow-sm);
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 19px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.5;
  list-style: none;
  cursor: pointer;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary:hover {
  color: var(--gold-deep);
}

.faq-toggle {
  display: grid;
  width: 23px;
  height: 23px;
  flex: 0 0 auto;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 2px;
  color: var(--gold-deep);
  transition: background-color 180ms ease, border-color 180ms ease, color 180ms ease;
}

.faq-toggle .icon {
  width: 13px;
  height: 13px;
  transition: transform 200ms ease;
}

.faq-item[open] .faq-toggle {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--gold);
}

.faq-item[open] .faq-toggle .icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 45px 19px 19px;
}

.faq-answer p {
  color: var(--muted);
  font-size: 10.5px;
  line-height: 1.68;
}

.faq-answer a {
  color: var(--gold-deep);
  font-weight: 500;
}

.faq-contact {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px 19px;
  margin-top: 34px;
  padding-top: 20px;
  border-top: 1px solid rgba(97, 112, 123, 0.23);
}

.faq-contact > span {
  color: var(--muted);
  font-family: var(--font-display);
  font-size: 8px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.faq-contact a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 10px;
  font-weight: 500;
  text-decoration: none;
}

.faq-contact a:hover {
  color: var(--gold-deep);
}

.faq-contact .icon {
  width: 13px;
  height: 13px;
  color: var(--gold-deep);
}

.site-footer {
  border-top: 1px solid rgba(199, 164, 92, 0.25);
  background: var(--navy-deep);
  color: var(--white);
}

.footer-main {
  display: grid;
  grid-template-columns: 1.7fr repeat(3, minmax(0, 0.7fr));
  gap: 42px;
  padding: 66px 0 0;
}

.brand-footer .brand-name {
  color: var(--white);
}

.brand-footer .brand-sub {
  color: var(--gold);
}

.footer-brand > p {
  max-width: 285px;
  margin-top: 16px;
  color: rgba(255, 253, 249, 0.48);
  font-size: 11px;
  line-height: 1.65;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 7px;
  margin-top: 20px;
}

.footer-contact a {
  display: flex;
  align-items: center;
  gap: 7px;
  color: rgba(255, 253, 249, 0.72);
  font-size: 11px;
  text-decoration: none;
}

.footer-contact a:hover {
  color: var(--gold-light);
}

.footer-contact .icon {
  width: 14px;
  height: 14px;
  color: var(--gold);
}

.footer-col h2 {
  margin-bottom: 14px;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.17em;
  line-height: 1.4;
  text-transform: uppercase;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 9px;
  list-style: none;
}

.footer-col a {
  color: rgba(255, 253, 249, 0.52);
  font-size: 11px;
  text-decoration: none;
  transition: color 160ms ease;
}

.footer-col a:hover {
  color: var(--white);
}

.footer-disclaimer {
  margin-top: 48px;
  padding: 20px 0;
  border-top: 1px solid rgba(255, 253, 249, 0.08);
}

.footer-disclaimer p {
  max-width: 960px;
  color: rgba(255, 253, 249, 0.5);
  font-size: 10px;
  line-height: 1.65;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 20px 0 26px;
  border-top: 1px solid rgba(255, 253, 249, 0.08);
}

.footer-bottom p {
  color: rgba(255, 253, 249, 0.5);
  font-size: 10px;
}

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  gap: 17px;
  list-style: none;
}

.footer-legal a {
  color: rgba(255, 253, 249, 0.55);
  font-size: 10px;
  text-decoration: none;
}

.footer-legal a:hover {
  color: var(--white);
}

.legal-header {
  border-bottom: 1px solid rgba(199, 164, 92, 0.18);
  background: var(--navy-deep);
  color: var(--white);
}

.legal-header-inner {
  display: flex;
  min-height: 76px;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255, 253, 249, 0.58);
  font-family: var(--font-display);
  font-size: 10.5px;
  font-weight: 500;
  text-decoration: none;
}

.legal-back:hover {
  color: var(--gold-light);
}

.legal-back .icon {
  width: 14px;
  height: 14px;
  color: var(--gold);
  transform: rotate(180deg);
}

.legal-hero {
  position: relative;
  overflow: hidden;
  padding: 62px 0 58px;
  background: var(--navy);
  color: var(--white);
}

.legal-hero::after {
  position: absolute;
  top: -250px;
  right: -100px;
  width: 600px;
  height: 600px;
  border: 1px solid rgba(199, 164, 92, 0.12);
  border-radius: 50%;
  content: "";
}

.legal-hero .eyebrow {
  color: var(--gold);
}

.legal-hero h1 {
  max-width: 740px;
  color: var(--white);
  font-size: clamp(2.8rem, 4.7vw, 4.1rem);
  letter-spacing: -0.055em;
}

.legal-hero p:last-child {
  margin-top: 13px;
  color: rgba(255, 253, 249, 0.55);
  font-size: 11.5px;
}

.legal-shell {
  display: grid;
  grid-template-columns: minmax(200px, 235px) minmax(0, 760px);
  align-items: start;
  justify-content: space-between;
  gap: clamp(40px, 7vw, 88px);
  padding: 58px 0 94px;
}

.legal-toc {
  position: sticky;
  top: 28px;
  padding: 22px;
  border: 1px solid var(--line);
  border-top: 2px solid var(--gold);
  border-radius: 3px;
  background: var(--white);
}

.legal-toc h2 {
  margin-bottom: 13px;
  color: var(--gold-deep);
  font-family: var(--font-display);
  font-size: 7.5px;
  font-weight: 600;
  letter-spacing: 0.15em;
  line-height: 1.4;
  text-transform: uppercase;
}

.legal-toc ol {
  display: flex;
  flex-direction: column;
  gap: 8px;
  list-style: none;
  counter-reset: toc;
}

.legal-toc li {
  counter-increment: toc;
}

.legal-toc a {
  display: flex;
  gap: 8px;
  color: var(--muted);
  font-size: 9.5px;
  line-height: 1.45;
  text-decoration: none;
}

.legal-toc a::before {
  color: var(--gold-deep);
  content: counter(toc, decimal-leading-zero);
  font-family: var(--font-display);
  font-size: 7.5px;
}

.legal-toc a:hover {
  color: var(--navy);
}

.legal-content {
  max-width: 760px;
}

.legal-content > p:first-child {
  margin-bottom: 30px;
  color: var(--muted);
  font-size: 13.5px;
  line-height: 1.75;
}

.legal-content h2 {
  margin: 32px 0 11px;
  color: var(--navy);
  font-size: 23px;
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.25;
}

.legal-content h2:first-of-type {
  margin-top: 0;
}

.legal-content h3 {
  margin: 22px 0 8px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 600;
  line-height: 1.45;
}

.legal-content p {
  margin-bottom: 13px;
  color: #50606a;
  font-size: 12.5px;
  line-height: 1.78;
}

.legal-content ul {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin: 6px 0 18px;
  padding-left: 19px;
  color: #50606a;
  font-size: 12.5px;
  line-height: 1.7;
}

.legal-content li::marker {
  color: var(--gold-deep);
}

.legal-content a {
  color: var(--gold-deep);
  font-weight: 500;
}

.legal-content strong {
  color: var(--navy);
  font-weight: 600;
}

.legal-contact {
  margin-top: 33px;
  padding: 20px 22px;
  border-left: 2px solid var(--gold);
  background: var(--white);
}

.legal-contact p {
  margin-bottom: 5px;
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 600;
}

.legal-contact p:last-child {
  margin-bottom: 0;
  color: var(--muted);
  font-weight: 400;
}

.legal-contact a {
  text-decoration: none;
}

.legal-footer {
  border-top: 1px solid rgba(199, 164, 92, 0.18);
  background: var(--navy-deep);
  color: var(--white);
}

.legal-footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 29px 0;
}

.legal-footer p {
  color: rgba(255, 253, 249, 0.55);
  font-size: 10px;
}

.legal-footer nav ul {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  list-style: none;
}

.legal-footer nav a {
  color: rgba(255, 253, 249, 0.6);
  font-size: 10px;
  text-decoration: none;
}

.legal-footer nav a:hover {
  color: var(--white);
}

@media (max-width: 1180px) {
  .header-phone {
    display: none;
  }

  .assurance-item {
    padding-right: 20px;
    padding-left: 20px;
  }
}

@media (max-width: 1040px) {
  .hero-inner {
    gap: 44px;
  }

  .minimum-card {
    right: 18px;
    bottom: 18px;
    left: 18px;
  }

  .about-header {
    gap: 50px;
  }

  .about-grid {
    gap: 52px;
  }

  .coverage-layout {
    gap: 48px;
  }

  .additional-inner {
    gap: 42px;
  }

  .footer-main {
    grid-template-columns: 1.5fr repeat(3, minmax(0, 0.72fr));
    gap: 28px;
  }
}

@media (max-width: 980px) {
  :root {
    --header-height: 72px;
  }

  .container {
    width: min(100% - 40px, 720px);
  }

  .header-inner {
    min-height: var(--header-height);
  }

  .nav-toggle {
    display: inline-flex;
  }

  .header-actions {
    display: none;
  }

  .site-nav {
    position: fixed;
    z-index: 990;
    top: var(--header-height);
    right: 0;
    bottom: 0;
    left: 0;
    margin: 0;
    padding: 25px 20px 30px;
    overflow-y: auto;
    border-top: 1px solid rgba(199, 164, 92, 0.2);
    background: var(--navy-deep);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(-6px);
    transition: opacity 180ms ease, transform 180ms ease, visibility 180ms ease;
  }

  .site-header.nav-open .site-nav {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-list {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .nav-list li {
    border-bottom: 1px solid rgba(255, 253, 249, 0.1);
  }

  .nav-list a {
    display: block;
    padding: 16px 3px;
    color: var(--white);
    font-size: 23px;
    font-weight: 500;
    letter-spacing: -0.04em;
  }

  .nav-list a::after {
    display: none;
  }

  .nav-mobile-actions {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 25px;
  }

  .nav-phone {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px;
    color: rgba(255, 253, 249, 0.72);
    font-family: var(--font-display);
    font-size: 11px;
    font-weight: 500;
    text-decoration: none;
  }

  .nav-phone .icon {
    color: var(--gold);
  }

  .hero {
    padding-top: 52px;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero h1 {
    max-width: 700px;
    font-size: clamp(3rem, 9vw, 4.6rem);
  }

  .hero-lede {
    max-width: 620px;
  }

  .hero-visual {
    max-width: 660px;
  }

  .hero-image {
    aspect-ratio: 1.24 / 1;
  }

  .hero-note {
    text-align: left;
  }

  .assurance-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    padding: 5px 0;
  }

  .assurance-item {
    padding: 20px 20px;
  }

  .assurance-item:nth-child(3) {
    padding-left: 0;
    border-left: 0;
  }

  .assurance-item:nth-child(1),
  .assurance-item:nth-child(2) {
    border-bottom: 1px solid var(--line);
  }

  .about-header {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .about-header > p {
    max-width: 610px;
    padding: 0;
    border-left: 0;
  }

  .about-grid {
    grid-template-columns: 1fr;
    gap: 52px;
  }

  .about-visual {
    width: min(100%, 600px);
  }

  .about-image-frame img {
    min-height: 0;
    aspect-ratio: 4 / 3.4;
  }

  .about-copy {
    max-width: 670px;
  }

  .coverage-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .coverage-intro {
    position: static;
  }

  .coverage-intro h2,
  .coverage-intro > p:not(.eyebrow),
  .coverage-note {
    max-width: 630px;
  }

  .coverage-grid {
    max-width: 700px;
  }

  .additional-inner {
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 48px 0;
  }

  .additional-head h3,
  .additional-head > p:not(.eyebrow) {
    max-width: 620px;
  }

  .additional-grid {
    max-width: 700px;
  }

  .process-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .process-intro h2,
  .process-intro > p:not(.eyebrow, .process-fineprint) {
    max-width: 650px;
  }

  .quote-layout {
    grid-template-columns: 1fr;
    gap: 38px;
  }

  .quote-copy > p:not(.eyebrow),
  .quote-facts,
  .quote-contact {
    max-width: 640px;
  }

  .form-card {
    max-width: 660px;
  }

  .faq-header {
    grid-template-columns: 1fr;
    gap: 15px;
  }

  .faq-header > p {
    max-width: 600px;
    padding: 0;
  }

  .footer-main {
    grid-template-columns: 1.5fr 1fr 1fr;
  }

  .footer-brand {
    grid-row: span 2;
  }

  .footer-col:last-child {
    grid-column: 2;
  }

  .legal-shell {
    grid-template-columns: 1fr;
    gap: 32px;
    padding-top: 42px;
  }

  .legal-toc {
    position: static;
    columns: 2;
    column-gap: 28px;
  }

  .legal-toc h2 {
    column-span: all;
  }
}

@media (max-width: 720px) {
  .container {
    width: calc(100% - 36px);
  }

  .brand-mark {
    width: 38px;
    height: 38px;
    border-radius: 9px;
  }

  .brand-name {
    font-size: 20px;
  }

  .brand-sub {
    font-size: 6.5px;
  }

  .hero {
    padding-top: 44px;
    padding-bottom: 62px;
  }

  .hero h1 {
    font-size: clamp(2.65rem, 11.5vw, 3.65rem);
  }

  .hero-lede {
    margin-top: 18px;
    font-size: 14px;
    line-height: 1.68;
  }

  .hero-actions {
    align-items: stretch;
  }

  .hero-actions .button {
    flex: 1 1 180px;
  }

  .hero-foot {
    margin-top: 22px;
  }

  .hero-frame {
    padding: 7px;
  }

  .hero-image {
    aspect-ratio: 1 / 1.07;
  }

  .minimum-card {
    right: 13px;
    bottom: 13px;
    left: 13px;
    padding: 15px 15px 13px;
  }

  .minimum-value {
    font-size: 27px;
  }

  .minimum-card p {
    font-size: 8px;
  }

  .hero-location {
    top: 18px;
    left: 18px;
  }

  .section {
    padding: 69px 0;
  }

  .section h2,
  .about h2,
  .coverage h2,
  .quote-section h2,
  .faq h2 {
    font-size: clamp(2.1rem, 9.2vw, 2.95rem);
  }

  .assurance-item {
    grid-template-columns: 20px minmax(0, 1fr);
    gap: 8px;
    padding: 17px 12px;
  }

  .assurance-item:nth-child(2) {
    padding-right: 0;
  }

  .assurance-item:nth-child(4) {
    padding-right: 0;
  }

  .about-grid {
    margin-top: 38px;
  }

  .about-caption {
    right: 10px;
    left: 18px;
    padding: 17px 18px;
  }

  .about-caption p {
    font-size: 15px;
  }

  .about-copy h3 {
    font-size: 28px;
  }

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

  .coverage-card {
    min-height: 240px;
    padding: 22px;
  }

  .coverage-card-head {
    margin-bottom: 17px;
  }

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

  .additional-grid a {
    padding: 15px;
  }

  .process-number {
    font-size: 20px;
  }

  .process-list li {
    grid-template-columns: 48px minmax(0, 1fr);
    gap: 13px;
    padding: 21px 0;
  }

  .process-list h3 {
    font-size: 18px;
  }

  .process-intro .button {
    width: 100%;
  }

  .quote-section {
    background: var(--paper);
  }

  .quote-copy h2 {
    font-size: clamp(2.2rem, 10vw, 3rem);
  }

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

  .form-card {
    padding: 24px 19px;
  }

  .form-heading h3 {
    font-size: 26px;
  }

  .quote-contact {
    padding: 18px;
  }

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

  .faq-item summary {
    padding: 16px;
    font-size: 10.5px;
  }

  .faq-answer {
    padding: 0 35px 17px 16px;
  }

  .faq-contact {
    align-items: flex-start;
  }

  .footer-main {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 32px 24px;
    padding-top: 52px;
  }

  .footer-brand {
    grid-column: 1 / -1;
    grid-row: auto;
  }

  .footer-col:last-child {
    grid-column: auto;
  }

  .footer-disclaimer {
    margin-top: 34px;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 11px;
  }

  .legal-hero {
    padding: 48px 0 44px;
  }

  .legal-toc {
    columns: 1;
    padding: 19px;
  }

  .legal-shell {
    padding-bottom: 68px;
  }

  .legal-content h2 {
    font-size: 21px;
  }

  .legal-content p,
  .legal-content ul {
    font-size: 12px;
  }

  .legal-footer-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 13px;
  }
}

@media (max-width: 520px) {
  .container {
    width: calc(100% - 30px);
  }

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

  .assurance-item,
  .assurance-item:nth-child(3),
  .assurance-item:nth-child(4) {
    padding: 15px 2px;
    border-bottom: 1px solid var(--line);
    border-left: 0;
  }

  .assurance-item:last-child {
    border-bottom: 0;
  }

  .hero-coverage-list span:not(:last-child)::after {
    margin: 0 8px;
  }

  .hero-actions .button {
    flex-basis: 100%;
  }

  .about-caption {
    position: relative;
    right: auto;
    bottom: auto;
    left: auto;
    max-width: none;
    margin: 10px 0 0;
  }

  .about-visual {
    padding-bottom: 0;
  }

  .coverage-note {
    padding: 15px 16px;
  }

  .coverage-intro .button {
    width: 100%;
  }

  .quote-contact-copy {
    align-items: flex-start;
  }

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

  .footer-col:last-child {
    grid-column: auto;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}