:root {
    --color-navy: #071a2f;
    --color-navy-dark: #03101f;
    --color-blue: #1458a8;
    --color-blue-soft: #eaf3ff;
    --color-red: #d82035;
    --color-white: #ffffff;
    --color-text: #172033;
    --color-muted: rgba(255, 255, 255, 0.78);

    --adbar-height: 42px;
    --header-height: 76px;

    --container: 1180px;
    --radius-lg: 28px;
    --shadow-soft: 0 24px 70px rgba(0, 0, 0, 0.22);
}

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

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: "DM Sans", Arial, sans-serif;
    color: var(--color-text);
    background: #ffffff;
}

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

button {
    cursor: pointer;
}

.ad-bar {
    min-height: var(--adbar-height);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 9px 18px;
    font-size: 13px;
    line-height: 1.35;
    font-weight: 700;
    text-align: center;
    color: #ffffff;
    background: #07111f;
}

.ad-pill {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 22px;
    padding: 4px 9px;
    border-radius: 999px;
    font-size: 11px;
    letter-spacing: 0.08em;
    color: #07111f;
    background: #ffffff;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    min-height: var(--header-height);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    padding: 14px clamp(18px, 4vw, 48px);
    background: rgba(255, 255, 255, 0.94);
    border-bottom: 1px solid rgba(10, 25, 47, 0.08);
    backdrop-filter: blur(16px);
}

.site-logo {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    color: var(--color-navy);
    text-decoration: none;
}

.site-logo__image {
    width: 44px;
    height: 44px;
    object-fit: contain;
    display: block;
}

.site-logo__text {
    display: grid;
    gap: 1px;
    line-height: 1.05;
}

.site-logo__text span:first-child {
    font-size: 20px;
    font-weight: 900;
    letter-spacing: -0.04em;
}

.site-logo__text span:last-child {
    font-size: 12px;
    font-weight: 800;
    color: rgba(7, 26, 47, 0.58);
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.header-badge {
    appearance: none;
    border: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    padding: 12px 20px;
    border-radius: 999px;
    font-size: 14px;
    font-weight: 900;
    color: #ffffff;
    background: linear-gradient(135deg, var(--color-red), #a80f20);
    box-shadow: 0 12px 30px rgba(216, 32, 53, 0.26);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.header-badge:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 38px rgba(216, 32, 53, 0.34);
}

.hero {
    position: relative;
    isolation: isolate;
    min-height: calc(100svh - var(--adbar-height) - var(--header-height));
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: clamp(54px, 8vw, 110px) clamp(18px, 4vw, 48px);
    color: #ffffff;
    background:
        linear-gradient(90deg, rgba(3, 16, 31, 0.92) 0%, rgba(3, 16, 31, 0.78) 42%, rgba(3, 16, 31, 0.32) 100%),
        url("../images/76f548d6-e793-473a-9aab-94c14160c680.png") center center / cover no-repeat;
}

.hero__overlay {
    position: absolute;
    inset: 0;
    z-index: -1;
    background:
        radial-gradient(circle at 18% 28%, rgba(20, 88, 168, 0.36), transparent 36%),
        linear-gradient(180deg, rgba(0, 0, 0, 0.08), rgba(0, 0, 0, 0.22));
    pointer-events: none;
}

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

.hero__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 20px;
    padding: 9px 13px;
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 999px;
    font-size: 13px;
    font-weight: 900;
    color: #ffffff;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(12px);
}

.hero h1 {
    max-width: 760px;
    margin: 0;
    font-size: clamp(42px, 7vw, 82px);
    line-height: 0.96;
    letter-spacing: -0.075em;
    font-weight: 950;
}

.hero__sub {
    max-width: 680px;
    margin: 24px 0 0;
    font-size: clamp(17px, 2vw, 22px);
    line-height: 1.48;
    font-weight: 600;
    color: var(--color-muted);
}

.hero__actions {
    display: grid;
    gap: 16px;
    margin-top: 34px;
}

.hero__button {
    width: fit-content;
    appearance: none;
    border: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 56px;
    padding: 16px 26px;
    border-radius: 999px;
    font-size: 16px;
    font-weight: 950;
    color: #ffffff;
    background: linear-gradient(135deg, var(--color-red), #a80f20);
    box-shadow: 0 18px 44px rgba(216, 32, 53, 0.32);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.hero__button:hover {
    transform: translateY(-1px);
    box-shadow: 0 22px 54px rgba(216, 32, 53, 0.42);
}

.hero__note {
    max-width: 660px;
    margin: 0;
    font-size: 13px;
    line-height: 1.55;
    color: rgba(255, 255, 255, 0.68);
}

.lead-modal {
    position: fixed;
    inset: 0;
    z-index: 100;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 22px;
}

.lead-modal.is-open {
    display: flex;
}

.lead-modal__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(3, 10, 20, 0.72);
    backdrop-filter: blur(10px);
}

.lead-modal__dialog {
    position: relative;
    z-index: 1;
    width: min(520px, 100%);
    border-radius: 28px;
    background: #ffffff;
    color: var(--color-text);
    box-shadow: var(--shadow-soft);
    overflow: hidden;
}

.lead-modal__close {
    position: absolute;
    top: 14px;
    right: 14px;
    z-index: 2;
    width: 40px;
    height: 40px;
    border: 0;
    border-radius: 50%;
    font-size: 28px;
    line-height: 1;
    color: var(--color-navy);
    background: var(--color-blue-soft);
}

.lead-modal__content {
    padding: 40px;
}

.lead-modal__eyebrow {
    margin: 0 0 10px;
    font-size: 12px;
    font-weight: 950;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--color-red);
}

.lead-modal__content h2 {
    margin: 0 0 12px;
    font-size: 32px;
    line-height: 1;
    letter-spacing: -0.04em;
    color: var(--color-navy);
}

.lead-modal__content p {
    margin: 0;
    font-size: 16px;
    line-height: 1.6;
    color: rgba(23, 32, 51, 0.72);
}

.lead-modal__button {
    margin-top: 24px;
    border: 0;
    min-height: 48px;
    padding: 13px 20px;
    border-radius: 999px;
    font-weight: 900;
    color: #ffffff;
    background: var(--color-navy);
}

body.modal-open {
    overflow: hidden;
}

@media (max-width: 760px) {
    :root {
        --adbar-height: auto;
        --header-height: 68px;
    }

    .ad-bar {
        flex-wrap: wrap;
        padding: 8px 12px;
        font-size: 12px;
    }

    .site-header {
        min-height: 68px;
        padding: 11px 14px;
    }

    .site-logo__image {
        width: 38px;
        height: 38px;
    }

    .site-logo__text span:first-child {
        font-size: 18px;
    }

    .site-logo__text span:last-child {
        font-size: 10px;
    }

    .header-badge {
        min-height: 40px;
        padding: 10px 14px;
        font-size: 13px;
    }

    .hero {
        min-height: calc(100svh - 68px);
        align-items: flex-end;
        padding: 120px 18px 38px;
        background:
            linear-gradient(180deg, rgba(3, 16, 31, 0.16) 0%, rgba(3, 16, 31, 0.64) 46%, rgba(3, 16, 31, 0.96) 100%),
            url("../images/mobile-76f548d6-e793-473a-9aab-94c14160c680.png") center top / cover no-repeat;
    }

    .hero h1 {
        font-size: clamp(38px, 12vw, 56px);
        letter-spacing: -0.065em;
    }

    .hero__sub {
        font-size: 16px;
    }

    .hero__button {
        width: 100%;
    }

    .hero__note {
        font-size: 12px;
    }

    .lead-modal__content {
        padding: 34px 24px 28px;
    }

    .lead-modal__content h2 {
        font-size: 28px;
    }
}

@media (max-width: 420px) {
    .site-logo__text span:last-child {
        display: none;
    }

    .header-badge {
        padding-inline: 12px;
    }
}

/*  */
.insurance-solutions {
    padding: clamp(64px, 8vw, 110px) clamp(18px, 4vw, 48px);
    background:
        radial-gradient(circle at 12% 10%, rgba(20, 88, 168, 0.08), transparent 34%),
        linear-gradient(180deg, #ffffff 0%, #f5f8fc 100%);
}

.insurance-solutions__container {
    width: min(1180px, 100%);
    margin: 0 auto;
}

.insurance-solutions__header {
    max-width: 850px;
    margin: 0 auto clamp(34px, 5vw, 58px);
    text-align: center;
}

.insurance-solutions__label {
    margin: 0 0 10px;
    font-size: 12px;
    font-weight: 950;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--color-red);
}

.insurance-solutions__header h2 {
    margin: 0;
    font-size: clamp(32px, 4vw, 52px);
    line-height: 1.02;
    letter-spacing: -0.055em;
    color: var(--color-navy);
}

.insurance-solutions__header p {
    max-width: 760px;
    margin: 18px auto 0;
    font-size: clamp(16px, 1.5vw, 19px);
    line-height: 1.55;
    font-weight: 600;
    color: rgba(23, 32, 51, 0.72);
}

.insurance-solutions__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 24px;
}

.solution-card {
    display: flex;
    flex-direction: column;
    min-height: 100%;
    overflow: hidden;
    border-radius: 28px;
    background: #ffffff;
    box-shadow: 0 18px 48px rgba(7, 26, 47, 0.1);
    transition: transform 0.24s ease, box-shadow 0.24s ease;
}

.solution-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 24px 66px rgba(7, 26, 47, 0.16);
}

.solution-card__image {
    position: relative;
    overflow: hidden;
    aspect-ratio: 16 / 10;
    background: #dfe8f3;
}

.solution-card__image::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 44%, rgba(3, 16, 31, 0.16) 100%);
    pointer-events: none;
}

.solution-card__image img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.solution-card:hover .solution-card__image img {
    transform: scale(1.045);
}

.solution-card__body {
    display: flex;
    flex-direction: column;
    flex: 1;
    padding: 24px 22px 22px;
    text-align: center;
}

.solution-card__body h3 {
    margin: 0;
    font-size: 23px;
    line-height: 1.08;
    letter-spacing: -0.035em;
    color: #071a2f;
}

.solution-card__body p {
    margin: 16px 0 22px;
    font-size: 15px;
    line-height: 1.48;
    color: rgba(23, 32, 51, 0.76);
}

.solution-card__button {
    appearance: none;
    border: 0;
    width: fit-content;
    margin: auto auto 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    padding: 12px 18px;
    border-radius: 999px;
    font-size: 14px;
    font-weight: 950;
    color: #ffffff;
    background: linear-gradient(135deg, #071a2f, #03101f);
    box-shadow: 0 12px 28px rgba(11, 17, 85, 0.25);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.solution-card__button:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 34px rgba(11, 33, 85, 0.34);
}

.insurance-solutions__disclaimer {
    max-width: 850px;
    margin: 34px auto 0;
    padding: 18px 20px;
    border-radius: 20px;
    font-size: 13px;
    line-height: 1.55;
    text-align: center;
    color: rgba(23, 32, 51, 0.66);
    background: rgba(255, 255, 255, 0.76);
    border: 1px solid rgba(7, 26, 47, 0.08);
}

@media (max-width: 1100px) {
    .insurance-solutions__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 680px) {
    .insurance-solutions {
        padding: 58px 16px;
    }

    .insurance-solutions__header {
        text-align: left;
    }

    .insurance-solutions__header p {
        margin-left: 0;
        margin-right: 0;
    }

    .insurance-solutions__grid {
        grid-template-columns: 1fr;
        gap: 18px;
    }

    .solution-card {
        border-radius: 24px;
    }

    .solution-card__body {
        padding: 22px 18px 20px;
        text-align: left;
    }

    .solution-card__body h3 {
        font-size: 24px;
    }

    .solution-card__button {
        width: 100%;
    }

    .insurance-solutions__disclaimer {
        text-align: left;
    }
}

/*  */
.advisor-feature {
    padding: clamp(56px, 8vw, 96px) clamp(18px, 4vw, 48px) 30px;
    background: #f5f6f4;
}

.advisor-feature__container {
    width: min(1180px, 100%);
    margin: 0 auto;
    display: grid;
    grid-template-columns: minmax(320px, 1.08fr) minmax(320px, 0.92fr);
    gap: 40px;
    align-items: center;
}

.advisor-feature__media {
    position: relative;
    border-radius: 34px;
    overflow: hidden;
    box-shadow:
        0 24px 60px rgba(19, 58, 28, 0.12),
        0 0 40px rgba(38, 135, 58, 0.16);
}

.advisor-feature__media img {
    display: block;
    width: 100%;
    height: 100%;
    aspect-ratio: 4 / 3;
    object-fit: cover;
}

.advisor-feature__content {
    color: var(--color-text);
}

.advisor-feature__eyebrow {
    margin: 0 0 10px;
    font-size: 12px;
    font-weight: 950;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #2c8b3b;
}

.advisor-feature__content h2 {
    margin: 0;
    font-size: clamp(34px, 4vw, 52px);
    line-height: 1.02;
    letter-spacing: -0.05em;
    color: #03101f;
}

.advisor-feature__lead {
    margin-top: 22px;
    font-size: 20px;
    line-height: 1.5;
    font-weight: 700;
    color: rgba(23, 32, 51, 0.9);
}

.advisor-feature__content p {
    margin: 16px 0 0;
    font-size: 17px;
    line-height: 1.62;
    color: rgba(23, 32, 51, 0.78);
}

.advisor-feature__points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 22px;
    margin: 24px 0 0;
    padding: 0;
    list-style: none;
}

.advisor-feature__points li {
    position: relative;
    padding-left: 22px;
    font-size: 16px;
    font-weight: 700;
    color: #03101f;
}

.advisor-feature__points li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    color: #2c8b3b;
    font-weight: 900;
}

.advisor-feature__button,
.faq-section__button {
    appearance: none;
    border: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 48px;
    padding: 14px 24px;
    margin-top: 22px;
    border-radius: 10px;
    font-size: 15px;
    font-weight: 950;
    letter-spacing: 0.01em;
    color: #ffffff;
    background: linear-gradient(135deg, #03101f, #071a2f);
    box-shadow: 0 14px 30px rgba(33, 32, 115, 0.22);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.advisor-feature__button:hover,
.faq-section__button:hover {
    transform: translateY(-1px);
    box-shadow: 0 18px 34px rgba(32, 39, 115, 0.3);
}

.faq-section {
    padding: 24px 18px 80px;
    background: #f5f6f4;
}

.faq-section__container {
    width: min(1240px, 100%);
    margin: 0 auto;
    padding: clamp(28px, 4vw, 48px);
    border-radius: 34px;
    background: #f0f1ef;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.7);
}

.faq-section__header {
    text-align: center;
    margin-bottom: 26px;
}

.faq-section__eyebrow {
    margin: 0 0 8px;
    font-size: 12px;
    font-weight: 950;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #071a2f;
}

.faq-section__header h2 {
    margin: 0;
    font-size: clamp(30px, 4vw, 46px);
    line-height: 1.04;
    letter-spacing: -0.045em;
    color: #071a2f;
}

.faq-accordion {
    display: grid;
    gap: 0;
    border: 1px solid rgba(21, 60, 30, 0.12);
    background: #ffffff;
}

.faq-item+.faq-item {
    border-top: 1px solid rgba(21, 60, 30, 0.12);
}

.faq-item__trigger {
    width: 100%;
    border: 0;
    background: transparent;
    padding: 20px 22px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    text-align: left;
    font-size: 18px;
    font-weight: 800;
    line-height: 1.35;
    color: #071a2f;
}

.faq-item__trigger:hover {
    background: rgba(44, 47, 139, 0.035);
}

.faq-item__icon {
    position: relative;
    flex: 0 0 18px;
    width: 18px;
    height: 18px;
}

.faq-item__icon::before,
.faq-item__icon::after {
    content: "";
    position: absolute;
    left: 50%;
    top: 50%;
    width: 14px;
    height: 2px;
    border-radius: 999px;
    background: #2c8b3b;
    transform: translate(-50%, -50%);
    transition: transform 0.2s ease, opacity 0.2s ease;
}

.faq-item__icon::after {
    transform: translate(-50%, -50%) rotate(90deg);
}

.faq-item.is-open .faq-item__icon::after {
    opacity: 0;
}

.faq-item__content {
    padding: 0 22px 22px;
    background: #ffffff;
}

.faq-item__content p {
    max-width: 980px;
    margin: 0;
    font-size: 16px;
    line-height: 1.7;
    color: rgba(23, 32, 51, 0.78);
}

.faq-section__footer {
    display: flex;
    justify-content: center;
    margin-top: 24px;
}

.faq-section__button {
    margin-top: 8px;
}

@media (max-width: 920px) {
    .advisor-feature__container {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .advisor-feature__content h2 {
        font-size: clamp(30px, 8vw, 44px);
    }

    .advisor-feature__lead {
        font-size: 18px;
    }
}

@media (max-width: 680px) {
    .advisor-feature {
        padding: 44px 16px 20px;
    }

    .faq-section {
        padding: 18px 16px 60px;
    }

    .faq-section__container {
        padding: 22px 0 22px;
        border-radius: 26px;
        overflow: hidden;
    }

    .faq-section__header {
        padding: 0 18px;
    }

    .faq-item__trigger {
        padding: 18px;
        font-size: 17px;
    }

    .faq-item__content {
        padding: 0 18px 18px;
    }

    .faq-section__footer {
        padding: 0 18px;
    }

    .faq-section__button {
        width: 100%;
    }

    .advisor-feature__button {
        width: 100%;
    }
}

/*  */
.footer-link-button {
    appearance: none;
    border: 0;
    padding: 0;
    font: inherit;
    font-weight: inherit;
    color: inherit;
    background: transparent;
    text-decoration: underline;
    cursor: pointer;
    color: #ffffff;
}

.footer-link-button:hover {
    opacity: 0.75;
}

/*  */
.pre-footer-ad-notice {
    padding: 24px 18px;
    background: #07111f;
    color: #ffffff;
    text-align: center;
}

.pre-footer-ad-notice p {
    max-width: 1100px;
    margin: 0 auto;
    font-size: clamp(15px, 1.8vw, 22px);
    line-height: 1.35;
    font-weight: 950;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.header-badge,
.hero__button,
.solution-card__button,
.advisor-feature__button,
.faq-section__button {
    text-decoration: none;
}

.header-badge:visited,
.hero__button:visited,
.solution-card__button:visited,
.advisor-feature__button:visited,
.faq-section__button:visited {
    color: #ffffff;
}

.footer-copy {
    color: rgba(255, 255, 255, 0.72);
}

.footer-copy p {
    margin: 0 0 12px;
    color: rgba(255, 255, 255, 0.68);
}

.footer-copy p:last-child {
    margin-bottom: 0;
}