:root{
  --navy:#061433;
  --navy-2:#102345;
  --navy-3:#1c3159;
  --orange:#ff650f;
  --orange-2:#ff7b1a;
  --soft-orange:#fff0e8;
  --text:#101828;
  --muted:#667085;
  --line:#e6e9ef;
  --bg:#ffffff;
  --soft:#f7f9fc;
  --green:#159947;
  --shadow:0 26px 70px rgba(16,24,40,.15);
  --shadow-soft:0 16px 42px rgba(16,24,40,.08);
  --radius:28px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Manrope,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--bg);text-rendering:optimizeLegibility}
a{color:inherit;text-decoration:none}
.site-header{position:sticky;top:0;z-index:50;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px clamp(20px,5vw,72px);background:rgba(255,255,255,.9);backdrop-filter:blur(18px);border-bottom:1px solid rgba(230,233,239,.9)}
.brand{font-weight:800;font-size:clamp(1.12rem,2vw,1.85rem);letter-spacing:-.055em;color:var(--navy);white-space:nowrap}
.brand strong{color:var(--orange)}
.brand.small{font-size:1.2rem}
.nav{display:flex;gap:30px;font-weight:700;font-size:.93rem;color:var(--navy-2)}
.nav a{position:relative;padding:6px 0}.nav a:after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--orange);transform:scaleX(0);transform-origin:left;transition:transform .2s ease}.nav a:hover:after{transform:scaleX(1)}
.header-cta,.submit-btn{border:0;border-radius:14px;background:linear-gradient(135deg,var(--orange),var(--orange-2));color:white;font-weight:800;box-shadow:0 14px 28px rgba(255,101,15,.24);cursor:pointer;transition:transform .18s ease,box-shadow .18s ease}
.header-cta{padding:13px 20px}.submit-btn{width:100%;padding:18px 20px;font-size:1rem;margin-top:16px}.submit-btn:hover,.header-cta:hover{transform:translateY(-2px);box-shadow:0 18px 34px rgba(255,101,15,.3)}
.hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.82fr);gap:58px;min-height:640px;padding:42px clamp(20px,6vw,92px) 58px;align-items:start;background:radial-gradient(circle at 88% 36%,rgba(255,101,15,.2),transparent 28%),linear-gradient(90deg,#fff 0%,#fff 55%,#fff6f0 55%,#fff6f0 100%)}
.hero:before{content:"";position:absolute;inset:auto -12% -28% auto;width:52%;aspect-ratio:1;border-radius:50%;background:linear-gradient(135deg,var(--orange),#ff8b1f);opacity:.92}.hero:after{content:"";position:absolute;right:12%;top:108px;width:118px;height:118px;border-radius:32px;border:1px solid rgba(255,101,15,.22);background:rgba(255,255,255,.42);transform:rotate(12deg)}.hero>*{position:relative;z-index:1}
.hero-copy{max-width:690px}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border-radius:999px;background:var(--soft-orange);color:var(--orange);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem}.eyebrow:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--orange);box-shadow:0 0 0 5px rgba(255,101,15,.12)}.eyebrow.dark{background:rgba(255,255,255,.1);color:#ffd8c5}.eyebrow.dark:before{background:#ffd8c5}
.hero h1{margin:18px 0 14px;color:var(--navy);font-size:clamp(3.2rem,6vw,5.95rem);line-height:.92;letter-spacing:-.065em;max-width:760px}.lead{font-size:1.24rem;line-height:1.62;max-width:610px;color:var(--navy-2);margin:0}
.benefits-row{display:flex;gap:18px;flex-wrap:wrap;margin:24px 0}.benefit-pill{display:flex;align-items:center;gap:13px;padding:12px 14px 12px 12px;border:1px solid rgba(230,233,239,.95);border-radius:18px;background:rgba(255,255,255,.78);box-shadow:var(--shadow-soft)}.benefit-pill .icon{display:grid;place-items:center;width:44px;height:44px;border-radius:14px;background:var(--soft-orange);color:var(--orange);font-weight:800;letter-spacing:-.03em}.benefit-pill strong{display:block;color:var(--navy);font-size:.98rem}.benefit-pill small{display:block;color:var(--muted);margin-top:2px}
.trust-panel{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:680px}.trust-panel div{padding:15px;border:1px solid rgba(230,233,239,.95);border-radius:18px;background:#fff;box-shadow:0 10px 28px rgba(16,24,40,.05)}.trust-panel strong{display:block;color:var(--navy);font-size:.98rem;margin-bottom:6px}.trust-panel span{display:block;color:var(--muted);font-size:.9rem;line-height:1.45}
.quote-card{max-width:470px;justify-self:center;width:100%;padding:30px;background:rgba(255,255,255,.96);border:1px solid rgba(230,233,239,.95);border-radius:var(--radius);box-shadow:var(--shadow)}.quote-card-header{text-align:center;margin-bottom:18px}.quote-kicker{display:inline-flex;padding:7px 12px;border-radius:999px;background:var(--soft-orange);color:var(--orange);font-weight:800;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em}.quote-card h2{color:var(--navy);font-size:1.9rem;line-height:1;margin:14px 0 8px;letter-spacing:-.045em}.quote-card p{color:var(--muted);line-height:1.5;margin:0}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}label{display:grid;gap:7px}label.full{grid-column:1/-1}label span{font-size:.78rem;font-weight:800;color:var(--navy-2)}input,select,textarea{width:100%;border:1px solid #d8dde7;border-radius:13px;padding:15px 14px;font:inherit;color:var(--navy);background:#fff;box-shadow:0 1px 0 rgba(16,24,40,.02)}fieldset{border:0;margin:0;padding:0}.coverage-field{grid-column:1/-1}.coverage-field legend{display:flex;align-items:center;justify-content:space-between;gap:10px;width:100%;margin:0 0 10px;font-size:.78rem;font-weight:800;color:var(--navy-2)}.coverage-field legend span{font-size:.72rem;font-weight:700;color:var(--muted)}.coverage-options{display:grid;grid-template-columns:1fr 1fr;gap:10px}.coverage-options label{position:relative;display:flex;align-items:center;gap:10px;min-height:44px;padding:10px 12px;border:1px solid #d8dde7;border-radius:13px;background:#fff;cursor:pointer;transition:border-color .18s ease,background .18s ease,box-shadow .18s ease}.coverage-options input{width:17px;height:17px;margin:0;accent-color:var(--orange);box-shadow:none}.coverage-options label span{font-size:.84rem;font-weight:800;color:var(--navy);line-height:1.2}.coverage-options label:has(input:checked){border-color:rgba(255,101,15,.6);background:var(--soft-orange);box-shadow:0 8px 18px rgba(255,101,15,.08)}textarea{resize:vertical}input::placeholder,textarea::placeholder{color:#9aa3b2}input:focus,select:focus,textarea:focus{outline:4px solid rgba(255,101,15,.16);border-color:var(--orange)}.privacy{font-size:.83rem;color:var(--muted);line-height:1.5;text-align:center;margin:12px 0 0}.form-status{min-height:20px;text-align:center;font-weight:800;margin-top:10px}.form-status.success{color:#12805c}.form-status.error{color:#b42318}
.carriers-strip{padding:58px clamp(20px,6vw,92px);background:var(--soft);text-align:center;border-block:1px solid var(--line)}.section-heading{max-width:780px;margin-bottom:34px}.section-heading.compact{margin:0 auto 26px}.section-heading h2,.faq-section h2,.how-intro h2{font-size:clamp(2rem,4vw,3.55rem);line-height:1.02;letter-spacing:-.055em;color:var(--navy);margin:18px 0 0}.section-heading p{margin:14px 0 0;color:var(--muted);font-size:1.08rem;line-height:1.6}.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;max-width:1120px;margin:0 auto;text-align:left}.carrier-grid span{position:relative;overflow:hidden;min-height:86px;padding:18px 18px 16px;border-radius:20px;background:linear-gradient(180deg,#fff,#fbfcff);border:1px solid rgba(230,233,239,.95);box-shadow:0 12px 28px rgba(16,24,40,.055)}.carrier-grid span:before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--orange);opacity:.85}.carrier-grid strong{display:block;color:var(--navy);font-size:1.02rem;line-height:1.1;letter-spacing:-.025em}.carrier-grid small{display:block;margin-top:7px;color:var(--muted);font-size:.82rem;line-height:1.25;font-weight:700}.carrier-grid .carrier-more{background:linear-gradient(135deg,var(--navy),var(--navy-3));border-color:rgba(255,255,255,.12)}.carrier-grid .carrier-more:before{background:var(--orange)}.carrier-grid .carrier-more strong{color:white}.carrier-grid .carrier-more small{color:#d4d9e6}
.coverage-section,.faq-section{padding:86px clamp(20px,6vw,92px)}.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.coverage-grid article{position:relative;overflow:hidden;padding:28px;border:1px solid var(--line);border-radius:24px;background:linear-gradient(180deg,#fff,#fbfcff);box-shadow:0 12px 30px rgba(16,24,40,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.coverage-grid article:after{content:"";position:absolute;right:-36px;top:-44px;width:112px;height:112px;border-radius:50%;background:rgba(255,101,15,.08)}.coverage-grid article:hover{transform:translateY(-3px);border-color:rgba(255,101,15,.26);box-shadow:0 18px 42px rgba(16,24,40,.1)}.coverage-icon{display:inline-grid;place-items:center;min-width:56px;height:36px;padding:0 12px;border-radius:13px;background:var(--soft-orange);color:var(--orange);font-size:.78rem;font-weight:800;letter-spacing:.08em}.coverage-grid h3{color:var(--navy);font-size:1.32rem;margin:20px 0 8px;letter-spacing:-.025em}.coverage-grid p,.step p,.faq-section p{color:var(--muted);line-height:1.6;margin:0}
.how-section{padding:82px clamp(20px,6vw,92px);background:radial-gradient(circle at 12% 15%,rgba(255,101,15,.22),transparent 26%),var(--navy);color:white}.how-intro{max-width:780px;margin:0 auto 34px;text-align:center}.how-intro .eyebrow{margin:0 auto}.how-intro h2{color:white;max-width:720px;margin:18px auto 0}.how-intro p{max-width:590px;margin:16px auto 0;color:#d4d9e6;font-size:1.08rem;line-height:1.6}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.step{padding:28px;border:1px solid rgba(255,255,255,.14);border-radius:24px;background:linear-gradient(180deg,rgba(255,255,255,.09),rgba(255,255,255,.045))}.step strong{display:inline-grid;place-items:center;height:42px;min-width:42px;padding:0 10px;border-radius:14px;background:var(--orange);margin-bottom:18px;color:white;font-weight:900}.step h3{margin:0 0 8px;font-size:1.25rem;letter-spacing:-.025em}.step p{color:#d4d9e6}
.faq-section{max-width:980px;margin:auto}.faq-section details{border:1px solid var(--line);border-radius:18px;padding:20px 22px;margin:12px 0;background:white;box-shadow:0 8px 24px rgba(16,24,40,.04)}.faq-section summary{cursor:pointer;font-weight:800;color:var(--navy);font-size:1.05rem}.faq-section p{margin-top:12px}
.site-footer{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;padding:30px clamp(20px,5vw,72px);border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}.disclaimer{max-width:520px}
@media (max-width:980px){.nav{display:none}.hero{grid-template-columns:1fr;min-height:auto;background:#fff;padding-top:34px}.quote-card{justify-self:start}.trust-panel,.coverage-grid,.steps-grid,.carrier-grid{grid-template-columns:1fr 1fr}.site-footer{align-items:flex-start;flex-direction:column}}
.mobile-sticky-cta{display:none}
@media (max-width:640px){.site-header{padding:12px 18px}.brand{font-size:1rem;letter-spacing:-.04em}.header-cta{display:none}.hero{padding:28px 18px 38px}.hero h1{font-size:3.15rem}.lead{font-size:1.08rem}.benefits-row{gap:12px}.benefit-pill{width:100%}.trust-panel,.form-grid,.coverage-grid,.steps-grid,.carrier-grid,.coverage-options{grid-template-columns:1fr}.quote-card{padding:24px;border-radius:22px}.carriers-strip,.coverage-section,.faq-section,.how-section{padding-left:18px;padding-right:18px}.coverage-section,.faq-section{padding-top:62px;padding-bottom:62px}.hero:before,.hero:after{display:none}.mobile-sticky-cta{display:block;position:fixed;left:16px;right:16px;bottom:14px;z-index:60;padding:14px 18px;border-radius:16px;background:linear-gradient(135deg,var(--orange),var(--orange-2));color:#fff;text-align:center;font-weight:800;box-shadow:0 18px 36px rgba(255,101,15,.34)}body{padding-bottom:74px}}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important}}