@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Mulish:wght@400;500;600;700;800;900&display=swap');
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
:root{--navy:#0f2644;--navy2:#1a3a5c;--sky:#1e90ff;--sky2:#56b4ff;--white:#fff;--cream:#f4f8ff;--text:#0d1f35;--muted:#5e7a99;--border:#d0dff0}
body{font-family:'Mulish',sans-serif;background:var(--white);color:var(--text);overflow-x:hidden}
a{text-decoration:none;color:inherit}

/* NAV */
.nav{position:fixed;top:0;left:0;right:0;z-index:200;background:rgba(15,38,68,.97);backdrop-filter:blur(12px)}
.nav-wrap{max-width:1200px;margin:0 auto;padding:0 40px;height:64px;display:flex;align-items:center;justify-content:space-between}
.logo{font-family:'Bebas Neue',sans-serif;font-size:1.6rem;letter-spacing:.08em;color:var(--white)}
.logo em{color:var(--sky);font-style:normal}
.nav-links{display:flex;align-items:center;gap:32px}
.nav-links a{font-size:.82rem;font-weight:700;color:rgba(255,255,255,.6);letter-spacing:.06em;text-transform:uppercase;transition:color .15s}
.nav-links a:hover{color:#fff}
.nav-cta{background:var(--sky);color:#fff!important;padding:9px 20px;border-radius:5px;font-size:.78rem!important}

/* HERO - DIAGONAL SPLIT */
.hero{min-height:100vh;display:grid;grid-template-columns:1fr 480px;position:relative;padding-top:64px}
@media(max-width:900px){.hero{grid-template-columns:1fr;min-height:auto}}
.hero-left{background:var(--navy);padding:80px 60px 80px 80px;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.hero-left::after{content:'';position:absolute;top:0;right:-60px;bottom:0;width:120px;background:var(--navy);clip-path:polygon(0 0,40% 0,100% 100%,0 100%);z-index:1}
@media(max-width:900px){.hero-left::after{display:none}.hero-left{padding:60px 32px}}
.hero-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--sky2);margin-bottom:20px}
.hero-left h1{font-family:'Bebas Neue',sans-serif;font-size:clamp(4rem,7vw,7rem);line-height:.95;color:var(--white);letter-spacing:.02em;margin-bottom:28px}
.hero-left h1 span{display:block;color:var(--sky);font-size:clamp(2.5rem,5vw,4.5rem)}
.hero-left p{color:rgba(255,255,255,.65);font-size:1.05rem;max-width:440px;margin-bottom:40px;line-height:1.75}
.hero-stat-row{display:flex;gap:32px;border-top:1px solid rgba(255,255,255,.12);padding-top:32px;margin-top:8px}
.hero-stat span{display:block;font-family:'Bebas Neue',sans-serif;font-size:2.2rem;color:var(--sky);letter-spacing:.04em;line-height:1}
.hero-stat p{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.45);margin-top:3px}
.btn-sky{display:inline-block;background:var(--sky);color:#fff;padding:16px 36px;border-radius:6px;font-weight:800;font-size:1rem;letter-spacing:.04em;transition:all .2s}
.btn-sky:hover{background:var(--sky2);transform:translateY(-2px);box-shadow:0 10px 32px rgba(30,144,255,.35)}

/* QUOTE FORM RIGHT */
.hero-right{background:var(--cream);padding:80px 40px;display:flex;flex-direction:column;justify-content:center}
@media(max-width:900px){.hero-right{padding:40px 32px}}
.qcard{background:#fff;border-radius:16px;padding:36px;box-shadow:0 8px 40px rgba(15,38,68,.1)}
.qcard-title{font-family:'Bebas Neue',sans-serif;font-size:1.8rem;letter-spacing:.06em;color:var(--navy);margin-bottom:4px}
.qcard-sub{font-size:.82rem;color:var(--muted);margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.fl{margin-bottom:14px}
.fl label{display:block;font-size:.68rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:7px}
.fl select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:inherit;font-size:.92rem;color:var(--text);background:#fff;outline:none;transition:border-color .2s}
.fl select:focus{border-color:var(--sky)}
.qbtn{width:100%;background:var(--navy);color:#fff;padding:15px;border:none;border-radius:8px;font-family:inherit;font-size:1rem;font-weight:800;cursor:pointer;letter-spacing:.04em;margin-top:6px;transition:background .2s}
.qbtn:hover{background:var(--navy2)}
.qnote{font-size:.72rem;color:var(--muted);text-align:center;margin-top:10px}
.qtrust{display:flex;justify-content:center;gap:16px;flex-wrap:wrap;margin-top:14px}
.qtrust span{font-size:.73rem;font-weight:700;color:var(--muted)}

/* INSURER MARQUEE */
.marquee-bar{background:var(--navy);padding:20px 0;overflow:hidden;border-top:3px solid var(--sky)}
.marquee-track{display:flex;gap:60px;animation:scrollx 28s linear infinite;white-space:nowrap;width:max-content}
@keyframes scrollx{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.marquee-track span{font-family:'Bebas Neue',sans-serif;font-size:1.1rem;letter-spacing:.1em;color:rgba(255,255,255,.45);flex-shrink:0}

/* COVERAGE SECTION - ALTERNATING ROWS */
.coverage{padding:96px 40px}
.cov-wrap{max-width:1200px;margin:0 auto}
.cov-label{font-size:.7rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--sky);margin-bottom:12px}
.cov-title{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.5rem,5vw,4rem);letter-spacing:.04em;color:var(--navy);line-height:1;margin-bottom:52px}
.cov-row{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1.5px solid var(--border);border-radius:16px;overflow:hidden;margin-bottom:20px;transition:box-shadow .2s}
.cov-row:hover{box-shadow:0 8px 36px rgba(15,38,68,.1)}
@media(max-width:700px){.cov-row{grid-template-columns:1fr}}
.cov-num{background:var(--navy);color:#fff;padding:40px;display:flex;align-items:center;justify-content:center}
.cov-num span{font-family:'Bebas Neue',sans-serif;font-size:5rem;color:rgba(255,255,255,.15);letter-spacing:.04em}
.cov-content{padding:36px 40px;background:#fff}
.cov-ico{font-size:2rem;margin-bottom:12px}
.cov-content h3{font-family:'Bebas Neue',sans-serif;font-size:1.6rem;letter-spacing:.06em;color:var(--navy);margin-bottom:10px}
.cov-content p{font-size:.9rem;color:var(--muted);line-height:1.7}
.cov-row:nth-child(even) .cov-num{order:2}
@media(max-width:700px){.cov-row:nth-child(even) .cov-num{order:0}}

/* HOW IT WORKS - TIMELINE */
.how{background:var(--navy);padding:96px 40px;color:#fff}
.how-inner{max-width:900px;margin:0 auto}
.how-label{font-size:.7rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--sky2);margin-bottom:12px}
.how-title{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.5rem,5vw,4rem);letter-spacing:.04em;color:#fff;line-height:1;margin-bottom:60px}
.timeline{position:relative;padding-left:60px}
.timeline::before{content:'';position:absolute;left:19px;top:0;bottom:0;width:2px;background:rgba(255,255,255,.1)}
.tl-step{position:relative;margin-bottom:48px}
.tl-dot{position:absolute;left:-60px;top:4px;width:40px;height:40px;background:var(--sky);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Bebas Neue',sans-serif;font-size:1.1rem;color:#fff;flex-shrink:0}
.tl-step h3{font-family:'Bebas Neue',sans-serif;font-size:1.5rem;letter-spacing:.06em;color:#fff;margin-bottom:8px}
.tl-step p{font-size:.9rem;color:rgba(255,255,255,.55);line-height:1.7;max-width:620px}

/* TESTIMONIALS */
.reviews{padding:96px 40px;background:var(--cream)}
.rev-wrap{max-width:1200px;margin:0 auto}
.rev-label{font-size:.7rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--sky);margin-bottom:12px}
.rev-title{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.5rem,5vw,4rem);letter-spacing:.04em;color:var(--navy);line-height:1;margin-bottom:52px}
.rev-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:20px}
@media(max-width:800px){.rev-grid{grid-template-columns:1fr}}
.rv{background:#fff;border-radius:14px;padding:32px}
.rv-big{grid-row:span 2;border-left:4px solid var(--sky)}
.rv-stars{color:var(--sky);font-size:.9rem;letter-spacing:3px;margin-bottom:14px}
.rv blockquote{font-size:.95rem;color:var(--text);line-height:1.75;font-style:italic;margin-bottom:16px}
.rv-big blockquote{font-size:1.1rem}
.rv cite{font-size:.8rem;font-weight:700;color:var(--muted)}

/* CTA */
.cta{background:linear-gradient(135deg,var(--sky),#0055cc);padding:88px 40px;text-align:center;color:#fff}
.cta h2{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.5rem,5vw,4.5rem);letter-spacing:.04em;margin-bottom:14px}
.cta p{font-size:1.05rem;opacity:.8;margin-bottom:36px}
.btn-white{display:inline-block;background:#fff;color:var(--sky);padding:16px 44px;border-radius:6px;font-weight:900;font-size:1rem;letter-spacing:.04em;transition:all .2s}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(0,0,0,.2)}

/* FOOTER */
.footer{background:var(--text);color:rgba(255,255,255,.5);padding:60px 40px 0}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08)}
@media(max-width:700px){.footer-grid{grid-template-columns:1fr}}
.fg-brand p{font-size:.85rem;color:rgba(255,255,255,.35);margin-top:12px;line-height:1.7;max-width:280px}
.fg-col h4{font-size:.65rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--sky2);margin-bottom:16px}
.fg-col a{display:block;font-size:.85rem;margin-bottom:10px;color:rgba(255,255,255,.4);transition:color .15s}
.fg-col a:hover{color:#fff}
.footer-bottom{max-width:1200px;margin:0 auto;padding:24px 0;font-size:.72rem;color:rgba(255,255,255,.18)}
.footer-bottom a{color:rgba(255,255,255,.25)}
.disc{margin-top:6px}

/* CONTENT PAGES */
.page-header{background:var(--navy);padding:120px 40px 64px;text-align:center}
.page-header h1{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.5rem,5vw,4rem);letter-spacing:.06em;color:#fff;margin-bottom:8px}
.page-header p{color:rgba(255,255,255,.55)}
.content-body{max-width:860px;margin:0 auto;padding:60px 40px}
.content-body h2{font-family:'Bebas Neue',sans-serif;font-size:1.5rem;letter-spacing:.06em;color:var(--navy);margin:36px 0 12px;border-left:4px solid var(--sky);padding-left:14px}
.content-body p,.content-body li{font-size:.95rem;color:var(--muted);line-height:1.8;margin-bottom:12px}
.content-body ul{padding-left:20px}
/* Embed form wrapper */
.embed-form-wrap{width:100%;min-height:80px;margin:8px 0 4px}
.embed-form-wrap>*{width:100%!important}