:root{
  --cobalt:#1d3f9e; --cobalt-d:#122a6e; --ink:#0d1a3a; --sand:#f4ede0; --cream:#fbf8f2;
  --sun:#ffc83d; --sea:#2f8fa8; --text:#27304a; --muted:#5c6580;
  --display:'Bricolage Grotesque',system-ui,sans-serif; --body:'Figtree',system-ui,sans-serif;
}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:var(--body);color:var(--text);background:var(--cream);font-size:1.05rem;line-height:1.65}
h1,h2,h3,.brand-name{font-family:var(--display);color:var(--ink);letter-spacing:-.02em}
h2{font-size:clamp(2rem,4.5vw,3.4rem);font-weight:800;line-height:1.05;margin-bottom:1.25rem}
a{color:var(--cobalt)}
img{max-width:100%;height:auto}

/* utility bar */
.utility{background:var(--ink);color:#dfe5f7;font-size:.88rem;padding:.45rem 0}
.utility a{color:#fff;text-decoration:none}
.util-actions{display:flex;gap:1.1rem;flex-wrap:wrap}
.util-actions a{opacity:.85}.util-actions a:hover{opacity:1;text-decoration:underline}
.util-actions .u-quote{background:var(--sun);color:var(--ink);padding:.1rem .8rem;border-radius:99px;font-weight:600;opacity:1}

/* nav */
#mainNav{background:rgba(251,248,242,.97);box-shadow:0 1px 0 rgba(13,26,58,.08);padding:.4rem 0}
.brand-mark{height:48px;width:auto}
.brand-name{font-weight:800;font-size:1.25rem;line-height:1.1;color:var(--ink);display:flex;flex-direction:column}
.brand-name small{font-family:var(--body);font-weight:500;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
#mainNav .nav-link{color:var(--ink);font-weight:600;font-size:.95rem;padding:.5rem .8rem}
#mainNav .nav-link:hover,#mainNav .nav-link.active{color:var(--cobalt);box-shadow:inset 0 -3px 0 var(--sun)}
@media(max-width:991.98px){#mainNav .nav-link.active{box-shadow:none}}

/* hero: compact, curved bottom */
.hero{position:relative;min-height:clamp(520px,82vh,760px);background:url('img/hero.webp') center 60%/cover no-repeat;display:flex;align-items:center;justify-content:center;text-align:center;clip-path:ellipse(120% 100% at 50% 0);margin-bottom:-2rem;padding-bottom:2.5rem}
.hero-overlay{position:absolute;inset:0;background:
  radial-gradient(ellipse 75% 65% at 50% 48%,rgba(13,26,58,.38) 0%,rgba(13,26,58,.04) 100%),
  linear-gradient(to bottom,rgba(18,42,110,.30) 0%,rgba(13,26,58,.10) 45%,rgba(13,26,58,.42) 100%)}
.hero-wrap{position:relative;z-index:1}
.hero-content{display:inline-block;max-width:760px;padding:2.2rem 2.4rem;border-radius:22px;background:rgba(0,0,0,.20);backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px)}
.hero-eyebrow,.hero-title,.hero-subtitle{color:#fff}
.hero-eyebrow{font-size:.85rem;text-transform:uppercase;letter-spacing:.16em;font-weight:600;margin-bottom:.8rem;text-shadow:0 0 3px rgba(0,0,0,1),0 1px 12px rgba(0,0,0,.95),0 0 30px rgba(0,0,0,.8)}
.hero-title{font-size:clamp(2.8rem,8vw,5.6rem);font-weight:800;line-height:.98;margin-bottom:1rem;text-shadow:0 0 4px rgba(0,0,0,1),0 2px 20px rgba(0,0,0,.95),0 0 60px rgba(0,0,0,.8)}
.hero-subtitle{font-size:clamp(1.1rem,2.4vw,1.45rem);margin-bottom:1.6rem;text-shadow:0 0 3px rgba(0,0,0,1),0 2px 16px rgba(0,0,0,.95),0 0 40px rgba(0,0,0,.85)}
.hero-cta{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}
.btn{border-radius:99px;font-weight:600;padding:.65rem 1.5rem}
.btn-sun{background:var(--sun);color:var(--ink);border:2px solid var(--sun)}.btn-sun:hover{background:#ffd869;color:var(--ink)}
.btn-ghost{border:2px solid #fff;color:#fff;background:rgba(0,0,0,.25)}.btn-ghost:hover{background:#fff;color:var(--ink)}
.btn-cobalt{background:var(--cobalt);color:#fff;border:2px solid var(--cobalt)}.btn-cobalt:hover{background:var(--cobalt-d);color:#fff}

/* quick strip */
.strip{position:relative;z-index:2;margin-top:0;padding:2.75rem 0 0}
.strip .row{background:#fff;border-radius:18px;box-shadow:0 14px 40px rgba(13,26,58,.12);overflow:hidden}
.strip a{display:flex;flex-direction:column;align-items:center;gap:.25rem;padding:1.3rem .5rem;text-decoration:none;color:var(--ink);font-weight:600;text-align:center;height:100%;border-right:1px solid rgba(13,26,58,.07)}
.strip a:hover{background:var(--sand)}
.strip i{font-size:1.6rem;color:var(--cobalt)}
.strip .col-6:nth-child(2) a,.strip .col-6:nth-child(4) a{border-right:0}
@media(min-width:768px){.strip .col-md-3:nth-child(2) a{border-right:1px solid rgba(13,26,58,.07)}}

/* sections */
.sec{padding:clamp(4rem,9vw,7.5rem) 0;position:relative}
.sec-sand{background:var(--sand)}
.sec-cobalt{background:var(--cobalt);color:#e6ecff}
.sec-cobalt h2,.sec-cobalt h3{color:#fff}
.sec-cobalt a{color:var(--sun)}
.sec-ink{background:var(--ink);color:#d6dcf0}
.sec-ink h2{color:#fff}
.sec-head{max-width:760px;margin-bottom:3rem}
.eyebrow{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--sea);font-weight:600;margin-bottom:.9rem}
.eyebrow-light{color:var(--sun)}
.lead{font-size:1.15rem;color:inherit}
.small-copy{font-size:.97rem}
.wave-wrap{line-height:0;margin-top:-1px}
.wave{display:block;width:100%;height:50px;fill:var(--sand);transform:scaleY(-1)}
.wave-wrap{background:var(--cream)}

/* coverage cards */
.cov{background:#fff;border-radius:22px;overflow:hidden;height:100%;display:flex;flex-direction:column;box-shadow:0 2px 0 rgba(13,26,58,.06),0 12px 30px rgba(13,26,58,.06)}
.cov-media{position:relative;aspect-ratio:4/3;overflow:hidden;border-bottom:5px solid var(--sun)}
.cov-media img{width:100%;height:100%;object-fit:cover;display:block}
.cov-n{position:absolute;top:.8rem;left:.9rem;font-family:var(--display);font-weight:800;font-size:1.1rem;color:#fff;background:var(--ink);border-radius:99px;padding:.05rem .7rem}
.tile-icon{height:100%;background:var(--cobalt);display:flex;align-items:center;justify-content:center;background-image:radial-gradient(circle at 80% 20%,rgba(255,255,255,.18),transparent 55%)}
.tile-icon i{font-size:5.5rem;color:var(--sun)}
.cov-body{padding:1.5rem 1.5rem 1.6rem;display:flex;flex-direction:column;flex:1}
.cov-body h3{font-size:1.45rem;font-weight:700}
.cov-body p{font-size:.96rem;color:var(--muted)}
.cov-link{margin-top:auto;font-weight:600;text-decoration:none;padding-top:.5rem}
.cov-link:hover{text-decoration:underline}

/* business */
.arch{border-radius:999px 999px 24px 24px;overflow:hidden;border:8px solid var(--sun);box-shadow:16px 16px 0 var(--cobalt);aspect-ratio:4/5;max-width:440px;margin:0 auto 16px}
.arch img{width:100%;height:100%;object-fit:cover;object-position:35% 50%;display:block}
.biz-list{list-style:none;padding:0;margin:0 0 .5rem;display:grid;grid-template-columns:repeat(2,1fr);gap:.6rem .9rem}
.biz-list li{background:#fff;border-radius:12px;padding:.6rem .9rem;font-weight:500;display:flex;gap:.6rem;align-items:center;font-size:.98rem}
.biz-list i{color:var(--cobalt)}
.more{font-style:italic;color:var(--muted);margin:.8rem 0 1.4rem}
@media(max-width:575.98px){.biz-list{grid-template-columns:1fr}}

/* partners */
.ren-badge{width:92px;height:92px;flex:none}
.logo-cell{background:#fff;border-radius:16px;padding:1.2rem;display:flex;align-items:center;justify-content:center;aspect-ratio:245/153}
.logo-cell img{max-height:100%;object-fit:contain}
.tick-list{list-style:none;padding:0}
.tick-list li{position:relative;padding-left:1.7rem;margin-bottom:.5rem;font-size:.97rem}
.tick-list li:before{content:"\F26E";font-family:bootstrap-icons;position:absolute;left:0;color:var(--sun)}
.ticker{overflow:hidden;border-block:1px solid rgba(255,255,255,.2);padding:.9rem 0;margin-top:3rem!important}
.ticker-track{display:flex;width:max-content;animation:tick 140s linear infinite}
.ticker-track span{white-space:nowrap;padding:0 1.6rem;font-family:var(--display);font-weight:700;font-size:1.15rem;color:#fff}
.ticker-track span:after{content:"✦";margin-left:3.2rem;color:var(--sun)}
@keyframes tick{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker-track{animation:none}.ticker{overflow-x:auto}}

/* claims */
.cb-tabs{gap:.6rem;margin-bottom:1.5rem}
.cb-tabs .nav-link{border-radius:99px;font-weight:600;color:var(--ink);background:var(--sand);padding:.7rem 1.4rem}
.cb-tabs .nav-link.active{background:var(--cobalt);color:#fff}
.cb-panel{background:#fff;border-radius:24px;padding:clamp(1.4rem,3vw,2.5rem);box-shadow:0 12px 30px rgba(13,26,58,.07)}
.carrier-links{list-style:none;padding:0;margin:0;columns:3 230px;column-gap:2rem}
.carrier-links li{break-inside:avoid;border-bottom:1px solid rgba(13,26,58,.09);padding:.45rem 0;font-size:.95rem}
.carrier-links a{text-decoration:none;font-weight:500}
.carrier-links a:hover{text-decoration:underline}

/* about */
.frame{border:10px solid var(--cobalt);border-radius:20px;overflow:hidden;box-shadow:-14px 14px 0 var(--sun);margin:0 14px 14px 0}
.frame img{width:100%;height:auto;display:block}
.team{margin-top:5rem;padding-top:3rem;border-top:2px dashed rgba(13,26,58,.2)}
.monogram{aspect-ratio:1;border-radius:50%;background:var(--cobalt);color:var(--sun);font-family:var(--display);font-weight:800;font-size:clamp(3rem,8vw,4.5rem);display:flex;align-items:center;justify-content:center;max-width:220px}
.team h3{font-size:2rem;font-weight:800;margin-bottom:.1rem}
.role{color:var(--sea);font-weight:600;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem}

/* side cards */
.side-card{background:var(--sand);border-radius:22px;padding:2rem;height:100%;border-left:8px solid var(--sun)}
.side-card h3{font-size:1.6rem;font-weight:800}
.side-card h3 i{color:var(--cobalt)}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}
.chips li{background:#fff;border-radius:99px;padding:.3rem .9rem;font-size:.92rem;font-weight:500}

/* contact */
.quote-form .form-label{font-weight:600;color:#fff}
.quote-form .form-control,.quote-form .form-select{border-radius:12px;padding:.7rem .9rem}
.form-note{font-size:.85rem;margin-top:1rem;opacity:.85}
.sec-ink a{color:var(--sun)}
.contact-list{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem 1.5rem;margin:0 0 1.8rem}
.contact-list dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--sun);font-weight:600}
.contact-list dd{margin:0;color:#fff;overflow-wrap:anywhere}
.map{border-radius:18px;overflow:hidden;border:4px solid rgba(255,255,255,.15);aspect-ratio:16/10}
.map iframe{width:100%;height:100%;border:0;display:block}
@media(max-width:575.98px){.contact-list{grid-template-columns:1fr}}

/* footer */
.site-footer{background:#08112a;color:#c4cce6;padding:2.5rem 0}
.site-footer a{color:#fff;text-decoration:none}
.chip{display:inline-block;background:var(--cream);border-radius:16px;padding:.7rem 1rem}
.chip img{height:70px;width:auto;display:block}
.soc{font-weight:600}.soc:hover{color:var(--sun)}
.powered{display:inline-block;border:1px solid rgba(255,255,255,.3);border-radius:99px;padding:.5rem 1.2rem;font-size:.92rem}
.powered:hover{background:var(--sun);color:var(--ink);border-color:var(--sun)}
.powered i{color:var(--sun)}.powered:hover i{color:var(--ink)}

@media(max-width:575.98px){.hero-content{padding:1.6rem 1.2rem}.brand-name{font-size:1.05rem}.brand-mark{height:40px}}
body{overflow-x:hidden}