:root {
  --navy: #0b3a5c;
  --navy-dark: #072b45;
  --red: #e4222b;
  --red-dark: #c71922;
  --ink: #152635;
  --muted: #5e6c77;
  --line: #dce4e9;
  --soft: #f4f7f9;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(7, 43, 69, 0.1);
  --radius: 16px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}

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

a {
  color: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

.container {
  width: min(1120px, calc(100% - 40px));
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 100;
  padding: 10px 14px;
  color: var(--white);
  background: var(--navy);
  border-radius: 8px;
  transform: translateY(-150%);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.header-inner {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.brand {
  flex: 0 0 auto;
}

.brand img {
  width: 230px;
  height: auto;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.site-nav > a:not(.button),
.footer-links a {
  font-size: 0.94rem;
  font-weight: 650;
  text-decoration: none;
}

.site-nav > a:not(.button):hover,
.footer-links a:hover,
.text-link:hover {
  color: var(--red);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 0;
  background: transparent;
  border-radius: 8px;
}

.menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  margin: 5px auto;
  background: var(--navy);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 24px;
  color: var(--white);
  background: var(--red);
  border: 2px solid var(--red);
  border-radius: 9px;
  font-weight: 750;
  text-decoration: none;
  transition: background 160ms ease, border-color 160ms ease, transform 160ms ease;
}

.button:hover {
  background: var(--red-dark);
  border-color: var(--red-dark);
  transform: translateY(-1px);
}

.button-small {
  min-height: 42px;
  padding-inline: 18px;
  font-size: 0.92rem;
}

.hero {
  padding: 92px 0 88px;
  overflow: hidden;
  background:
    radial-gradient(circle at 90% 15%, rgba(228, 34, 43, 0.07), transparent 24rem),
    var(--white);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(340px, 0.82fr);
  align-items: center;
  gap: 80px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--red);
  font-size: 0.77rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--navy-dark);
  line-height: 1.15;
}

h1 {
  max-width: 700px;
  margin-bottom: 24px;
  font-size: clamp(2.7rem, 6vw, 5.2rem);
  letter-spacing: -0.052em;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(2rem, 4vw, 3.1rem);
  letter-spacing: -0.035em;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.hero-text {
  max-width: 650px;
  margin-bottom: 30px;
  color: var(--muted);
  font-size: 1.19rem;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 24px;
}

.text-link {
  color: var(--navy);
  font-weight: 750;
  text-decoration: none;
}

.fine-print {
  margin: 22px 0 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.hero-panel {
  position: relative;
  padding: 38px;
  background: var(--soft);
  border: 1px solid var(--line);
  border-top: 5px solid var(--red);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-panel h2 {
  font-size: 1.65rem;
}

.hero-panel ul {
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.hero-panel li {
  position: relative;
  padding: 13px 0 13px 29px;
  color: #3d4d59;
  border-top: 1px solid var(--line);
}

.hero-panel li::before {
  content: "";
  position: absolute;
  top: 21px;
  left: 2px;
  width: 8px;
  height: 8px;
  background: var(--red);
  border-radius: 50%;
}

.shield-mark {
  width: 54px;
  height: 60px;
  margin-bottom: 24px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: var(--navy);
  clip-path: polygon(50% 0, 92% 18%, 84% 72%, 50% 100%, 16% 72%, 8% 18%);
  font-size: 1.2rem;
  font-weight: 900;
}

.section {
  padding: 92px 0;
}

.section-heading {
  max-width: 690px;
  margin-bottom: 42px;
}

.section-heading > p:last-child,
.section-intro {
  color: var(--muted);
  font-size: 1.08rem;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.coverage-card {
  min-height: 245px;
  padding: 30px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  transition: border-color 160ms ease, transform 160ms ease, box-shadow 160ms ease;
}

.coverage-card:hover {
  border-color: rgba(11, 58, 92, 0.35);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.coverage-card p {
  margin: 0;
  color: var(--muted);
}

.card-number {
  display: inline-block;
  margin-bottom: 34px;
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 850;
  letter-spacing: 0.08em;
}

.section-muted {
  background: var(--soft);
}

.split-section {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(440px, 1.12fr);
  gap: 90px;
}

.steps {
  margin: 0;
  padding: 0;
  list-style: none;
}

.steps li {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 18px;
  padding: 0 0 26px;
}

.steps li + li {
  padding-top: 26px;
  border-top: 1px solid var(--line);
}

.steps li > span {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: var(--navy);
  border-radius: 50%;
  font-size: 0.9rem;
  font-weight: 800;
}

.steps p {
  margin: 0;
  color: var(--muted);
}

.contact-section {
  padding: 72px 0;
  color: var(--white);
  background: var(--navy-dark);
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 70px;
}

.contact-section h2 {
  max-width: 620px;
  margin: 0;
  color: var(--white);
}

.eyebrow-light {
  color: #ff8a90;
}

.contact-actions {
  justify-self: end;
  max-width: 480px;
}

.button-light {
  color: var(--navy-dark);
  background: var(--white);
  border-color: var(--white);
}

.button-light:hover {
  color: var(--white);
  background: transparent;
  border-color: var(--white);
}

.contact-actions p {
  margin: 14px 0 0;
  color: #c7d5df;
  font-size: 0.9rem;
}

.site-footer {
  padding: 44px 0 22px;
  background: var(--white);
}

.footer-main {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  padding-bottom: 32px;
}

.footer-brand img {
  width: 205px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  padding-top: 22px;
  color: var(--muted);
  border-top: 1px solid var(--line);
  font-size: 0.78rem;
}

.footer-bottom p {
  margin: 0;
}

.footer-bottom p:last-child {
  max-width: 600px;
  text-align: right;
}

@media (max-width: 860px) {
  .header-inner {
    min-height: 68px;
  }

  .brand img {
    width: 194px;
  }

  .menu-toggle {
    display: block;
  }

  .site-nav {
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    display: none;
    align-items: stretch;
    gap: 0;
    padding: 14px 20px 20px;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 14px 24px rgba(7, 43, 69, 0.08);
  }

  .site-nav.is-open {
    display: grid;
  }

  .site-nav > a:not(.button) {
    padding: 12px 4px;
  }

  .site-nav .button {
    margin-top: 10px;
  }

  .hero {
    padding: 66px 0;
  }

  .hero-grid,
  .split-section,
  .contact-inner {
    grid-template-columns: 1fr;
    gap: 44px;
  }

  .hero-panel {
    max-width: 620px;
  }

  .card-grid {
    grid-template-columns: 1fr;
  }

  .coverage-card {
    min-height: 0;
  }

  .contact-actions {
    justify-self: start;
  }
}

@media (max-width: 560px) {
  .container {
    width: min(100% - 28px, 1120px);
  }

  .brand img {
    width: 174px;
  }

  h1 {
    font-size: 2.7rem;
  }

  .hero-actions,
  .footer-main,
  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero-actions .button {
    width: 100%;
  }

  .hero-panel,
  .coverage-card {
    padding: 26px;
  }

  .section {
    padding: 70px 0;
  }

  .contact-section {
    padding: 58px 0;
  }

  .button-light {
    width: 100%;
    padding-inline: 12px;
    font-size: 0.9rem;
  }

  .footer-bottom p:last-child {
    text-align: left;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition-duration: 0.01ms !important;
  }
}