:root {
    --blue-950: #073763;
    --blue-800: #0752a3;
    --blue-600: #0d73d9;
    --blue-100: #dff1ff;
    --blue-50: #f4fbff;
    --ink: #152238;
    --muted: #5d6d7f;
    --line: #c9deef;
    --surface: #ffffff;
    --success: #0752a3;
    --shadow: 0 18px 45px rgba(7, 55, 99, .13);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--ink);
    background: #f8fcff;
    line-height: 1.6;
}

a {
    color: var(--blue-800);
}

img {
    max-width: 100%;
    display: block;
}

.top-contact {
    display: flex;
    justify-content: flex-end;
    gap: 18px;
    padding: 8px clamp(18px, 5vw, 64px);
    background: var(--blue-950);
    color: #fff;
    font-size: .92rem;
    font-weight: 800;
}

.top-contact a {
    color: #fff;
    text-decoration: none;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 20;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 14px clamp(18px, 5vw, 64px);
    background: rgba(255, 255, 255, .94);
    border-bottom: 1px solid var(--line);
    backdrop-filter: blur(12px);
}

.brand,
.footer-brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--blue-950);
    font-weight: 800;
    text-decoration: none;
    font-size: 1.05rem;
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 18px;
}

.main-nav a {
    color: var(--ink);
    font-weight: 700;
    text-decoration: none;
    font-size: .95rem;
}

.main-nav a.active,
.main-nav a:hover {
    color: var(--blue-800);
}

.nav-cta,
.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    padding: 0 18px;
    border: 0;
    border-radius: 6px;
    color: #fff !important;
    background: var(--blue-800);
    box-shadow: 0 8px 18px rgba(13, 115, 217, .22);
    cursor: pointer;
    text-decoration: none;
    font-weight: 800;
}

.button.secondary {
    background: #e8f5ff;
    color: var(--blue-950) !important;
    box-shadow: none;
}

.nav-toggle {
    display: none;
    border: 1px solid var(--line);
    background: #fff;
    color: var(--blue-950);
    border-radius: 6px;
    min-height: 40px;
    padding: 0 14px;
    font-weight: 800;
}

.hero {
    display: grid;
    grid-template-columns: minmax(0, .88fr) minmax(390px, .72fr);
    gap: clamp(22px, 4vw, 44px);
    align-items: center;
    padding: clamp(26px, 5vw, 58px) clamp(18px, 5vw, 64px);
    background:
        linear-gradient(90deg, rgba(244, 251, 255, .98) 0%, rgba(244, 251, 255, .92) 46%, rgba(244, 251, 255, .68) 100%),
        url('../img/insurance-consultation-hero.png') center / cover;
    min-height: calc(100vh - 78px);
}

.eyebrow {
    display: inline-flex;
    width: fit-content;
    margin: 0 0 16px;
    padding: 6px 11px;
    border: 1px solid var(--line);
    border-radius: 999px;
    color: var(--blue-950);
    background: #dff1ff;
    font-weight: 800;
    font-size: .86rem;
}

h1,
h2,
h3 {
    margin: 0 0 14px;
    color: var(--blue-950);
    line-height: 1.14;
}

h1 {
    max-width: 720px;
    font-size: clamp(2.2rem, 4.8vw, 4.2rem);
}

h2 {
    font-size: clamp(1.85rem, 3vw, 3rem);
}

h3 {
    font-size: 1.16rem;
}

.hero p {
    max-width: 650px;
    color: #35475c;
    font-size: 1.12rem;
}

.hero-copy {
    padding-block: 18px;
}

.hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    max-width: 680px;
    margin-top: 22px;
}

.hero-points span {
    display: inline-flex;
    align-items: center;
    min-height: 32px;
    padding: 5px 10px;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: rgba(255, 255, 255, .86);
    color: var(--blue-950);
    font-weight: 800;
    font-size: .9rem;
}

.hero-actions,
.form-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 24px;
}

.hero-panel,
.lead-form,
.admin-card,
.content-card {
    border: 1px solid var(--line);
    border-radius: 8px;
    background: rgba(255, 255, 255, .94);
    box-shadow: var(--shadow);
}

.hero-panel {
    padding: 24px;
}

.hero-panel ul {
    padding-left: 20px;
    margin: 0;
}

.section {
    padding: clamp(44px, 6vw, 76px) clamp(18px, 5vw, 64px);
}

.section.alt {
    background: var(--blue-50);
}

.section-head {
    max-width: 760px;
    margin-bottom: 28px;
}

.services-grid,
.trust-grid,
.partner-grid,
.detail-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.faq-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.service-card,
.trust-card,
.partner-card {
    min-height: 160px;
    padding: 22px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
}

.service-icon {
    display: grid;
    place-items: center;
    width: 48px;
    height: 48px;
    margin-bottom: 14px;
    border-radius: 8px;
    color: var(--blue-950);
    background: var(--blue-100);
    font-size: 1.35rem;
}

.split {
    display: grid;
    grid-template-columns: minmax(0, .95fr) minmax(320px, 1.05fr);
    gap: clamp(24px, 5vw, 52px);
    align-items: start;
}

.photo-strip {
    overflow: hidden;
    border-radius: 8px;
    border: 1px solid var(--line);
    box-shadow: var(--shadow);
}

.photo-strip img {
    width: 100%;
    aspect-ratio: 4 / 3;
    object-fit: cover;
}

.lead-form {
    padding: clamp(20px, 4vw, 34px);
}

.hero-form {
    padding: clamp(18px, 2.4vw, 26px);
}

.hero-form h2 {
    font-size: clamp(1.45rem, 2.2vw, 2rem);
}

.hero-form .form-grid {
    gap: 12px;
}

.hero-form textarea {
    min-height: 78px;
}

.hero-form .tcpa {
    max-height: 144px;
    overflow: auto;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.field.full {
    grid-column: 1 / -1;
}

label {
    font-weight: 800;
    color: var(--blue-950);
}

input,
select,
textarea {
    width: 100%;
    min-height: 44px;
    padding: 10px 12px;
    border: 1px solid #bad3e8;
    border-radius: 6px;
    background: #fff;
    color: var(--ink);
    font: inherit;
}

textarea {
    min-height: 100px;
    resize: vertical;
}

.tcpa {
    margin-top: 18px;
    padding: 14px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #f7fbff;
    font-size: .92rem;
}

.tcpa label {
    display: grid;
    grid-template-columns: 22px 1fr;
    gap: 10px;
    align-items: start;
    font-weight: 600;
    color: #33465b;
}

.tcpa input {
    min-height: auto;
    margin-top: 5px;
}

.notice {
    padding: 14px 16px;
    margin: 0 0 18px;
    border-radius: 8px;
    border: 1px solid #b8daf5;
    background: #eaf6ff;
    color: var(--success);
    font-weight: 800;
}

.page-hero {
    padding: clamp(46px, 8vw, 84px) clamp(18px, 5vw, 64px);
    background:
        linear-gradient(90deg, rgba(244, 251, 255, .97), rgba(244, 251, 255, .82)),
        url('../img/insurance-consultation-hero.png') center / cover;
}

.page-hero p {
    max-width: 760px;
    font-size: 1.08rem;
}

.content {
    max-width: 980px;
    padding: 44px clamp(18px, 5vw, 64px) 74px;
}

.content-card {
    padding: clamp(22px, 4vw, 38px);
}

.content-card h2 {
    margin-top: 28px;
    font-size: 1.45rem;
}

.site-footer {
    display: grid;
    grid-template-columns: 1.2fr 1fr 1fr 1fr;
    gap: 26px;
    padding: 38px clamp(18px, 5vw, 64px);
    background: #072f57;
    color: #eaf6ff;
}

.site-footer h2 {
    font-size: 1rem;
    color: #fff;
}

.site-footer a {
    display: block;
    color: #eaf6ff;
    text-decoration: none;
    margin: 5px 0;
}

.footer-brand {
    color: #fff;
}

.site-footer small {
    grid-column: 1 / -1;
    color: #b7d9f3;
}

.admin-body {
    min-height: 100vh;
    background: linear-gradient(135deg, #f4fbff, #dff1ff);
}

.admin-shell {
    width: min(1120px, calc(100% - 32px));
    margin: 0 auto;
    padding: 34px 0;
}

.admin-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 20px;
}

.admin-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 20px;
}

.admin-nav a {
    padding: 9px 12px;
    border: 1px solid var(--line);
    border-radius: 6px;
    background: #fff;
    text-decoration: none;
    font-weight: 800;
}

.admin-card {
    padding: 22px;
    margin-bottom: 18px;
}

.table-wrap {
    overflow-x: auto;
}

table {
    width: 100%;
    border-collapse: collapse;
}

th,
td {
    padding: 11px;
    border-bottom: 1px solid var(--line);
    text-align: left;
    vertical-align: top;
}

th {
    color: var(--blue-950);
    background: var(--blue-50);
}

.inline-form {
    display: inline;
}

@media (max-width: 920px) {
    .top-contact {
        justify-content: center;
        flex-wrap: wrap;
        gap: 8px 16px;
    }

    .nav-toggle {
        display: inline-flex;
        align-items: center;
    }

    .main-nav {
        position: absolute;
        top: 76px;
        left: 16px;
        right: 16px;
        display: none;
        flex-direction: column;
        align-items: stretch;
        padding: 16px;
        border: 1px solid var(--line);
        border-radius: 8px;
        background: #fff;
        box-shadow: var(--shadow);
    }

    .main-nav.open {
        display: flex;
    }

    .hero,
    .split {
        grid-template-columns: 1fr;
    }

    .hero {
        min-height: auto;
    }

    .services-grid,
    .trust-grid,
    .partner-grid,
    .detail-grid,
    .faq-list {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

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

@media (max-width: 620px) {
    .form-grid,
    .services-grid,
    .trust-grid,
    .partner-grid,
    .detail-grid,
    .faq-list {
        grid-template-columns: 1fr;
    }

    .hero-form .tcpa {
        max-height: 180px;
    }

    .site-header {
        padding-inline: 16px;
    }

    .top-contact {
        flex-direction: column;
        align-items: center;
    }

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

    .brand span {
        font-size: .95rem;
    }
}