:root{--navy:#071d35;--blue:#123f69;--orange:#f47a2a;--ice:#eef4f7;--white:#fff;--ink:#102235;--muted:#5d6b78;--line:#d8e1e7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);font-family:Manrope,Arial,sans-serif;font-size:16px;line-height:1.6}.nav{height:86px;padding:0 clamp(24px,5vw,78px);display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);z-index:10}.brand{display:flex;gap:12px;align-items:center;color:var(--navy);font-weight:800;text-decoration:none;line-height:1.15}.brand small{display:block;font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-top:4px}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:50% 50% 50% 12px;background:var(--navy);color:white;font-family:"Source Serif 4",serif;font-size:1.55rem}.nav nav{display:flex;gap:30px}.nav nav a,.text-link{color:var(--ink);text-decoration:none;font-weight:600;font-size:.9rem}.button{display:inline-flex;justify-content:center;align-items:center;border:0;border-radius:2px;background:var(--orange);color:#fff;padding:15px 24px;font:700 .92rem Manrope;text-decoration:none;cursor:pointer;box-shadow:0 7px 20px rgba(244,122,42,.2);transition:.2s}.button:hover{transform:translateY(-2px);background:#dd651c}.button-small{padding:11px 18px}.hero{min-height:680px;padding:72px clamp(24px,6vw,96px);display:grid;grid-template-columns:minmax(0,1.3fr) minmax(330px,.7fr);gap:7vw;align-items:center;background:linear-gradient(120deg,#fff 0%,#fff 58%,var(--ice) 58%,var(--ice) 100%)}.eyebrow{font-size:.75rem;text-transform:uppercase;letter-spacing:.18em;font-weight:800;color:var(--blue);margin:0 0 20px}.eyebrow span{display:inline-block;width:28px;height:2px;background:var(--orange);vertical-align:middle;margin-right:8px}h1,h2{font-family:"Source Serif 4",Georgia,serif;letter-spacing:-.035em;line-height:1.05;margin:0;color:var(--navy)}h1{font-size:clamp(2.8rem,5.2vw,5.4rem);max-width:920px}h1 em{font-weight:600;color:var(--orange)}.lead{max-width:710px;color:var(--muted);font-size:1.08rem;margin:28px 0}.hero-actions{display:flex;align-items:center;gap:30px}.text-link span{color:var(--orange);margin-left:5px}.trust-row{margin-top:50px;padding-top:22px;border-top:1px solid var(--line);display:flex;gap:30px;color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.05em}.trust-row b{display:block;color:var(--navy);font-size:.93rem;text-transform:none;letter-spacing:0}.quote-card{background:var(--navy);color:white;padding:34px;box-shadow:20px 24px 0 var(--orange)}.quote-top{display:flex;justify-content:space-between;align-items:center;text-transform:uppercase;letter-spacing:.12em;font-size:.7rem;color:#b8c7d5}.quote-top b{font:600 2.8rem "Source Serif 4";color:#3f5870}.quote-card h2{color:white;font-size:2rem;margin:26px 0}.quote-options{display:grid}.quote-options button{display:flex;justify-content:space-between;padding:17px 0;background:none;color:white;border:0;border-bottom:1px solid #365069;font:600 1rem Manrope;cursor:pointer;text-align:left}.quote-options button:hover{color:#ff9b59}.quote-options span{color:var(--orange)}.quote-card>p{font-size:.8rem;color:#b8c7d5;margin:24px 0 0}.products,.method{padding:100px clamp(24px,6vw,96px)}.section-heading{display:grid;grid-template-columns:.55fr 1fr 1fr;gap:40px;align-items:end;margin-bottom:50px}.section-heading h2,.contact h2{font-size:clamp(2.4rem,4vw,4rem)}.section-heading>p:last-child{color:var(--muted);margin:0}.product-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line)}.product-grid article{min-height:330px;padding:30px;border-right:1px solid var(--line);display:flex;flex-direction:column}.product-grid article:last-child{border:0}.product-grid article>span{color:var(--orange);font-weight:800;font-size:.8rem}.product-grid h3,.method-grid h3{font-size:1.25rem;margin:55px 0 12px;color:var(--navy)}.product-grid p,.method-grid p{color:var(--muted);font-size:.91rem}.product-grid a{margin-top:auto;color:var(--blue);font-weight:800;text-decoration:none;font-size:.85rem}.product-grid .dark{background:var(--navy);color:white;margin:-16px 0}.product-grid .dark h3,.product-grid .dark a{color:white}.product-grid .dark p{color:#bdcad5}.business{background:var(--navy);color:white;padding:90px clamp(24px,7vw,110px);display:grid;grid-template-columns:1.1fr .9fr;gap:10vw}.eyebrow.light{color:#aabed0}.business h2{color:white;font-size:clamp(2.5rem,4.5vw,4.5rem)}.business p{color:#bdcad5;max-width:650px;margin:25px 0 35px}.button.orange{background:var(--orange)}.risk-list{border-top:1px solid #365069}.risk-list div{display:grid;grid-template-columns:55px 1fr;gap:18px;padding:22px 0;border-bottom:1px solid #365069}.risk-list b{color:var(--orange);font-size:.78rem}.risk-list span{font-weight:600}.method .section-heading{grid-template-columns:.55fr 2fr}.method-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.method-grid>div{padding:28px 30px;background:var(--ice);border-top:4px solid var(--blue)}.method-grid b{color:var(--orange)}.method-grid h3{margin:32px 0 10px}.contact{padding:90px clamp(24px,7vw,110px);display:grid;grid-template-columns:1fr 1fr;gap:9vw;background:#f6f8fa}.contact>div>p{color:var(--muted);max-width:560px}.contact-note{margin-top:35px;display:grid;gap:6px}.contact-note span{color:var(--muted);font-size:.9rem}.contact form{background:white;padding:35px;border:1px solid var(--line);display:grid;gap:18px}label{display:grid;gap:7px;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em}input,select,textarea{width:100%;border:1px solid #bdcbd4;background:white;padding:13px;font:500 1rem Manrope;color:var(--ink);border-radius:0;text-transform:none;letter-spacing:0}textarea{resize:vertical}.form-status{margin:0;color:var(--blue);font-size:.85rem;min-height:1.4em}footer{padding:34px clamp(24px,6vw,96px);display:flex;align-items:center;justify-content:space-between;border-top:1px solid var(--line);font-size:.8rem;color:var(--muted)}
.whatsapp-float{position:fixed;right:22px;bottom:22px;z-index:12;padding:13px 18px;border-radius:999px;background:#25d366;color:#082f1a;text-decoration:none;font-weight:800;font-size:.88rem;box-shadow:0 8px 24px rgba(10,60,31,.25);transition:.2s}.whatsapp-float:hover{background:#1fbd5a;transform:translateY(-2px)}
.contact-note a{color:var(--blue);font-weight:700;text-decoration:none;font-size:.9rem}.contact-note a:hover{text-decoration:underline}
.online-quotes{padding:100px clamp(24px,6vw,96px);background:var(--ice)}.online-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #c9d6de;border-left:1px solid #c9d6de}.online-grid a{position:relative;min-height:180px;padding:28px;display:flex;flex-direction:column;color:var(--navy);text-decoration:none;background:white;border-right:1px solid #c9d6de;border-bottom:1px solid #c9d6de;transition:.2s}.online-grid a:hover{background:var(--navy);color:white;transform:translateY(-3px)}.online-grid span{color:var(--orange);font-size:.75rem;font-weight:800}.online-grid b{margin-top:28px;font-size:1.05rem}.online-grid small{color:var(--muted);font-size:.8rem;margin-top:3px}.online-grid a:hover small{color:#bdcad5}.online-grid i{position:absolute;right:28px;bottom:22px;color:var(--orange);font-style:normal;font-size:1.25rem}.online-help{margin-top:28px;display:flex;align-items:center;justify-content:space-between;gap:24px}.online-help p{margin:0;color:var(--muted);font-weight:600}
.insurers{padding:100px clamp(24px,6vw,96px);background:white}.insurers img{display:block;width:min(100%,1536px);height:auto;margin:0 auto;border:1px solid var(--line)}.contact-banner{grid-column:1/-1;display:block;width:100%;height:auto;margin-bottom:18px;border:1px solid var(--line)}
.whatsapp-promo{padding:90px clamp(24px,6vw,96px);background:var(--navy);text-align:center}.whatsapp-promo a{display:block;width:min(100%,620px);margin:0 auto;overflow:hidden;box-shadow:0 24px 55px rgba(0,0,0,.28);transition:.2s}.whatsapp-promo a:hover{transform:translateY(-4px)}.whatsapp-promo a:focus-visible{outline:4px solid var(--orange);outline-offset:5px}.whatsapp-promo img{display:block;width:100%;height:auto}.whatsapp-promo p{margin:22px 0 0;color:#d8e4ed;font-weight:600;font-size:.9rem}
.quote-dialog{width:min(92vw,620px);padding:0;border:0;border-top:7px solid var(--orange);background:white;box-shadow:0 28px 80px rgba(7,29,53,.35);color:var(--ink)}.quote-dialog::backdrop{background:rgba(7,29,53,.72);backdrop-filter:blur(4px)}.dialog-heading{padding:34px 38px 20px}.dialog-heading .eyebrow{margin-bottom:12px}.dialog-heading h2{font-size:clamp(2rem,5vw,3rem)}.dialog-heading>p:last-child{margin:16px 0 0;color:var(--muted)}.quote-dialog form{display:grid;gap:17px;padding:10px 38px 36px}.form-row{display:grid;grid-template-columns:1fr .65fr;gap:16px}.dialog-close{position:absolute;right:14px;top:10px;width:40px;height:40px;border:0;background:transparent;color:var(--navy);font:400 2rem/1 Manrope;cursor:pointer}.dialog-help{margin:0;color:var(--muted);font-size:.82rem;line-height:1.45}.quote-dialog[open]{animation:dialog-in .2s ease-out}@keyframes dialog-in{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.form-honey{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
@media(max-width:900px){.nav nav{display:none}.hero{grid-template-columns:1fr;background:linear-gradient(160deg,#fff 0 63%,var(--ice) 63%);padding-top:55px}.quote-card{max-width:540px}.section-heading{grid-template-columns:1fr;gap:12px}.product-grid{grid-template-columns:1fr 1fr}.product-grid article{border-bottom:1px solid var(--line)}.product-grid .dark{margin:0}.online-grid{grid-template-columns:1fr 1fr}.business,.contact{grid-template-columns:1fr}.method-grid{grid-template-columns:1fr}.method .section-heading{grid-template-columns:1fr}}
@media(max-width:580px){.nav{height:74px;padding:0 18px}.nav .button-small{display:none}.brand{font-size:.9rem}.brand-mark{width:38px;height:38px}.hero{padding:45px 20px 65px;min-height:0}.hero-actions{align-items:stretch;flex-direction:column;gap:18px}.trust-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.quote-card{padding:26px;box-shadow:10px 12px 0 var(--orange)}.products,.method,.online-quotes,.insurers{padding:70px 20px}.product-grid,.online-grid{grid-template-columns:1fr}.product-grid article{min-height:280px;border-right:0}.online-grid a{min-height:155px}.online-help{align-items:stretch;flex-direction:column}.business,.contact{padding:70px 20px}.contact form{padding:24px 20px}.dialog-heading{padding:28px 22px 16px}.quote-dialog form{padding:8px 22px 28px}.form-row{grid-template-columns:1fr}footer{align-items:flex-start;gap:25px;flex-direction:column}footer p{margin:0}}
@media(max-width:580px){.whatsapp-promo{padding:60px 20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.whatsapp-promo a{transition:none}}