:root{
  --brand:#073f78;
  --brand-2:#0d5da8;
  --brand-dark:#03294f;
  --silver:#bcc5cf;
  --ink:#1f2a36;
  --muted:#667382;
  --soft:#f4f7fa;
  --line:#e4e9ef;
  --white:#fff;
  --danger:#bd2635;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:'Inter',sans-serif;color:var(--ink);background:#fff;overflow-x:hidden}.fw-800{font-weight:800}.text-brand{color:var(--brand)!important}.text-white-75{color:rgba(255,255,255,.76)!important}.bg-soft{background:var(--soft)}a{text-decoration:none}.topbar{background:var(--brand-dark);color:#d9e4ef;padding:.55rem 0}.topbar a{color:#d9e4ef}.topbar a:hover{color:#fff}.navbar{transition:.25s}.navbar.scrolled{padding-top:0!important;padding-bottom:0!important}
.brand-symbol{width:68px;height:68px;object-fit:contain}.brand-word{display:flex;flex-direction:column;line-height:1}.brand-word span{font-family:'Montserrat',sans-serif;font-size:1.35rem;font-weight:800;letter-spacing:.05em;color:var(--brand)}.brand-word small{font-family:'Montserrat',sans-serif;letter-spacing:.28em;color:#4f5d6b;font-size:.55rem;margin-top:.25rem}.nav-link{font-size:.92rem;font-weight:600;color:#344250!important;padding:.75rem .8rem!important}.nav-link:hover{color:var(--brand-2)!important}.btn{font-weight:600;border-radius:.65rem}.btn-brand{background:linear-gradient(135deg,var(--brand),var(--brand-2));border-color:var(--brand);color:#fff;box-shadow:0 8px 24px rgba(7,63,120,.18)}.btn-brand:hover{background:var(--brand-dark);border-color:var(--brand-dark);color:#fff;transform:translateY(-1px)}.btn-outline-brand{border:1px solid var(--brand);color:var(--brand)}.btn-outline-brand:hover{background:var(--brand);color:#fff}.hero{position:relative;min-height:720px;overflow:hidden}.hero-media{position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1900&q=82') center/cover no-repeat;transform:scale(1.03)}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,31,59,.94) 0%,rgba(4,48,91,.82) 46%,rgba(4,40,76,.28) 76%,rgba(3,22,40,.12) 100%)}.min-vh-75{min-height:74vh}.hero h1{font-family:'Montserrat',sans-serif;letter-spacing:-.04em}.hero h1 span{color:#a8c6e6}.hero .lead{max-width:700px}.eyebrow{text-transform:uppercase;font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:700;letter-spacing:.16em}.hero-trust{color:#e8f1fa;font-size:.9rem}.hero-trust i{color:#8fc5f2;margin-right:.35rem}.scroll-down{position:absolute;bottom:26px;left:50%;transform:translateX(-50%);color:#fff;font-size:1.5rem;animation:bounce 1.8s infinite}@keyframes bounce{0%,100%{transform:translate(-50%,0)}50%{transform:translate(-50%,8px)}}.section-title{font-family:'Montserrat',sans-serif;font-weight:800;letter-spacing:-.035em;font-size:clamp(2rem,4vw,3.2rem);line-height:1.1;margin-top:.7rem}.section-heading{max-width:780px}.product-card{position:relative;padding:2rem;border:1px solid var(--line);border-radius:1rem;background:#fff;transition:.3s;overflow:hidden}.product-card:after{content:'';position:absolute;left:0;bottom:0;width:100%;height:4px;background:linear-gradient(90deg,var(--brand),var(--brand-2));transform:scaleX(0);transform-origin:left;transition:.3s}.product-card:hover{transform:translateY(-7px);box-shadow:0 18px 45px rgba(26,49,72,.12)}.product-card:hover:after{transform:scaleX(1)}.icon-wrap{width:56px;height:56px;border-radius:.9rem;display:grid;place-items:center;background:#edf4fb;color:var(--brand);font-size:1.45rem;margin-bottom:1.35rem}.product-card h3{font-family:'Montserrat';font-weight:700;font-size:1.25rem}.product-card p{color:var(--muted);min-height:72px}.product-card a{color:var(--brand);font-weight:700}.split-section{overflow:hidden}.stock-photo{min-height:520px;background-size:cover;background-position:center}.auto-photo{background-image:url('https://images.unsplash.com/photo-1503376780353-7e6692767b70?auto=format&fit=crop&w=1400&q=82')}.about-photo{min-height:470px;border-radius:1.2rem;background-image:url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1400&q=82');box-shadow:0 20px 55px rgba(35,52,68,.15)}.content-pad{max-width:720px;padding:5rem clamp(2rem,7vw,7rem)}.coverage-list>div{color:#41505e}.coverage-list i{color:var(--brand-2);margin-right:.5rem}.mini-card{height:100%;padding:1.6rem;border-radius:1rem;background:linear-gradient(145deg,#fff,#f5f8fb);border:1px solid var(--line)}.mini-card i{font-size:1.45rem;color:var(--brand);display:block;margin-bottom:1rem}.mini-card h4{font-family:'Montserrat';font-size:1rem;font-weight:700}.mini-card p{font-size:.9rem;color:var(--muted);margin:0}.business-section{position:relative;background:linear-gradient(rgba(3,41,79,.94),rgba(6,62,116,.93)),url('https://images.unsplash.com/photo-1497366811353-6870744d04b2?auto=format&fit=crop&w=1800&q=82') center/cover fixed}.glass-card{height:100%;padding:1.5rem;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.09);backdrop-filter:blur(10px);border-radius:1rem;color:#fff}.glass-card i{font-size:1.6rem}.glass-card h4{font-family:'Montserrat';font-weight:700;margin:.8rem 0}.glass-card p{color:rgba(255,255,255,.72);margin:0}.public-card{height:100%;display:flex;gap:1.2rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:1rem;padding:1.8rem;box-shadow:0 12px 30px rgba(29,47,64,.05)}.public-card i{font-size:2rem;color:var(--brand)}.public-card h4{font-family:'Montserrat';font-weight:700}.public-card p{color:var(--muted);margin:0}.claims-section{background:#fff}.steps{position:relative}.step{display:flex;gap:1.3rem;padding:1rem 0;border-bottom:1px solid var(--line)}.step:last-child{border-bottom:0}.step>span{flex:0 0 48px;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:#fff;font-family:'Montserrat';font-weight:800}.step h5{font-family:'Montserrat';font-weight:700;margin:.2rem 0}.step p{color:var(--muted);margin:0}.quote-section{background:linear-gradient(180deg,#f6f8fb,#eef4f9)}.quote-benefits>div{display:flex;gap:1rem;margin-bottom:1.25rem}.quote-benefits i{font-size:1.4rem;color:var(--brand)}.quote-benefits span{display:flex;flex-direction:column}.quote-benefits small{color:var(--muted)}.quote-card{background:#fff;border:1px solid var(--line);border-radius:1.2rem;padding:clamp(1.4rem,4vw,2.4rem);box-shadow:0 18px 55px rgba(22,51,78,.09)}.insurance-options{display:grid;grid-template-columns:repeat(4,1fr);gap:.7rem}.insurance-options .btn{display:flex;flex-direction:column;gap:.35rem;align-items:center;border:1px solid var(--line);padding:.9rem .5rem;color:#52606d}.insurance-options .btn i{font-size:1.25rem}.btn-check:checked+.btn{background:#edf5fc;border-color:#8fb9df;color:var(--brand)}.form-control{border-color:#d9e1e8;border-radius:.7rem;padding:.78rem .9rem}.form-control:focus{border-color:#76a9d8;box-shadow:0 0 0 .25rem rgba(13,93,168,.1)}.values{display:flex;flex-wrap:wrap;gap:.65rem}.values span{border:1px solid #cad7e3;color:var(--brand);border-radius:999px;padding:.55rem .9rem;font-size:.86rem;font-weight:600}.prefooter{background:linear-gradient(135deg,var(--brand-dark),var(--brand-2))}.footer{background:#071b2f;color:#fff}.footer-logo{width:220px;max-height:95px;object-fit:contain;object-position:left center}.footer h6{font-family:'Montserrat';font-weight:700;margin-bottom:1rem}.footer a,.footer span{display:block;color:rgba(255,255,255,.58);margin-bottom:.55rem;font-size:.9rem}.footer a:hover{color:#fff}.socials{display:flex;gap:.7rem}.socials a{width:36px;height:36px;border:1px solid rgba(255,255,255,.18);border-radius:50%;display:grid;place-items:center;color:#fff;margin:0}.back-to-top{position:fixed;right:22px;bottom:22px;width:44px;height:44px;border:0;border-radius:50%;background:var(--brand);color:#fff;box-shadow:0 10px 30px rgba(0,0,0,.18);opacity:0;visibility:hidden;transition:.25s;z-index:999}.back-to-top.show{opacity:1;visibility:visible}.reveal{opacity:0;transform:translateY(18px)}
@media(max-width:991.98px){.hero{min-height:650px}.hero-overlay{background:linear-gradient(90deg,rgba(3,31,59,.93),rgba(3,47,88,.72))}.hero-media{background-position:60% center}.stock-photo{min-height:390px}.content-pad{padding:4rem 2rem}.business-section{background-attachment:scroll}.navbar-collapse{padding:1rem 0}.nav-item.ms-lg-2 .btn{width:100%;margin-top:.5rem}}
@media(max-width:767.98px){.hero{min-height:610px}.hero h1{font-size:2.65rem}.section-title{font-size:2rem}.insurance-options{grid-template-columns:repeat(2,1fr)}.product-card p{min-height:auto}.footer-logo{width:180px}.stock-photo{min-height:320px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1!important;transform:none!important}.scroll-down{animation:none}}