/* WordPress navigation normalization */
.desktop-nav ul, .mobile-menu ul, .footer-links ul { display: contents; margin: 0; padding: 0; list-style: none; }
.desktop-nav li, .mobile-menu li, .footer-links li { display: contents; }
.wp-content { min-height: 70vh; padding-top: 160px; }
.wp-content h1 { font-family: Georgia, 'Times New Roman', serif; font-size: clamp(42px, 5vw, 66px); font-weight: 400; }
.form-status { width: 100%; margin: 0 0 24px; padding: 14px 16px; background: #e9f3ef; color: #174f43; }
body:not(.home) .site-header { position: absolute; background: var(--navy); width: 100%; padding-inline: max(24px, calc((100% - 1300px)/2)); }

:root {
  --navy: #071b2c;
  --navy-2: #0a2539;
  --ink: #102332;
  --muted: #61717c;
  --sand: #f4f1ea;
  --paper: #fbfaf7;
  --line: #d9dcd7;
  --gold: #d9aa58;
  --gold-light: #f1ce88;
  --teal: #0c6b70;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
button, summary, a { -webkit-tap-highlight-color: transparent; }
.shell { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.section { padding-block: 120px; }

.site-header {
  position: absolute;
  z-index: 20;
  top: 0;
  left: 50%;
  width: min(1300px, calc(100% - 48px));
  height: 98px;
  transform: translateX(-50%);
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  color: white;
  border-bottom: 1px solid rgba(255,255,255,.2);
}
.brand { display: inline-flex; align-items: center; gap: 13px; width: fit-content; }
.brand-mark {
  position: relative;
  display: grid;
  width: 37px;
  height: 37px;
  place-items: center;
  border: 1px solid currentColor;
  transform: rotate(45deg);
}
.brand-mark::before, .brand-mark::after, .brand-mark span::before, .brand-mark span::after {
  content: "";
  position: absolute;
  background: currentColor;
}
.brand-mark::before { width: 16px; height: 1px; left: 10px; top: 17px; }
.brand-mark::after { width: 1px; height: 16px; top: 10px; left: 17px; }
.brand-mark span::before { width: 6px; height: 6px; top: 8px; left: 8px; }
.brand-mark span::after { width: 4px; height: 4px; right: 8px; bottom: 8px; }
.brand-copy { display: grid; gap: 2px; }
.brand-copy strong { font-size: 15px; letter-spacing: .19em; font-weight: 700; }
.brand-copy small { font-size: 10px; text-transform: uppercase; letter-spacing: .27em; opacity: .65; }
.desktop-nav { display: flex; gap: 34px; font-size: 13px; }
.desktop-nav a { opacity: .78; transition: opacity .2s; }
.desktop-nav a:hover, .desktop-nav a:focus-visible { opacity: 1; }
.header-cta {
  justify-self: end;
  padding-bottom: 7px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .08em;
  border-bottom: 1px solid var(--gold-light);
}
.mobile-menu { display: none; }

.hero {
  position: relative;
  min-height: 840px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
  color: white;
}
.hero-backdrop {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(90deg, rgba(3,18,30,.96) 0%, rgba(3,18,30,.84) 35%, rgba(3,18,30,.28) 68%, rgba(3,18,30,.18) 100%);
  background-size: cover;
  background-position: center;
  transform: scale(1.01);
}
.hero-backdrop::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0,0,0,.12), transparent 42%, rgba(1,12,20,.78));
}
.hero-content { position: relative; z-index: 2; padding-top: 76px; padding-bottom: 105px; }
.eyebrow { margin: 0; color: var(--teal); font-size: 11px; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; }
.eyebrow.light { color: var(--gold-light); }
.hero h1 {
  max-width: 760px;
  margin: 28px 0 28px;
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(58px, 6.8vw, 94px);
  font-weight: 400;
  line-height: .98;
  letter-spacing: -.045em;
}
.hero-lead { max-width: 610px; margin: 0; color: rgba(255,255,255,.74); font-size: 18px; line-height: 1.7; }
.hero-actions { display: flex; align-items: center; gap: 32px; margin-top: 42px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 25px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .07em;
  transition: transform .2s, background .2s;
}
.button:hover { transform: translateY(-2px); }
.button-gold { background: var(--gold); color: #0a1f2e; }
.button-gold:hover { background: var(--gold-light); }
.text-link { display: inline-flex; align-items: center; gap: 10px; font-size: 13px; font-weight: 700; border-bottom: 1px solid currentColor; padding-bottom: 5px; }
.text-link span { font-size: 15px; }
.light-link { color: rgba(255,255,255,.9); border-color: rgba(255,255,255,.35); }
.hero-proof {
  position: absolute;
  z-index: 3;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid rgba(255,255,255,.2);
}
.hero-proof > div { display: grid; gap: 8px; padding: 28px 34px 30px 0; }
.hero-proof > div + div { padding-left: 34px; border-left: 1px solid rgba(255,255,255,.15); }
.hero-proof strong { font-family: Georgia, serif; font-size: 18px; font-weight: 400; }
.hero-proof span { color: rgba(255,255,255,.56); font-size: 12px; }

.section-kicker { display: flex; align-items: center; gap: 14px; }
.section-kicker > span { color: #98a3a8; font-size: 10px; }
.section-kicker > span::after { content: ""; display: inline-block; width: 30px; height: 1px; margin-left: 14px; vertical-align: middle; background: var(--line); }
.about-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 105px; margin-top: 54px; }
.about h2, .section-heading h2, .advisory h2, .closing h2 {
  margin: 0;
  font-family: Georgia, 'Times New Roman', serif;
  font-weight: 400;
  letter-spacing: -.035em;
}
.about h2 { max-width: 720px; font-size: clamp(42px, 5vw, 66px); line-height: 1.1; }
.about-copy { padding-top: 8px; }
.about-copy > p { margin: 0 0 22px; color: var(--muted); font-size: 16px; line-height: 1.8; }
.principles { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 35px; }
.principles span { padding: 9px 13px; border: 1px solid var(--line); color: #4f626d; font-size: 10px; font-weight: 700; letter-spacing: .11em; text-transform: uppercase; }

.solutions { background: var(--sand); }
.section-heading { display: grid; grid-template-columns: .7fr 1.3fr; gap: 40px; align-items: start; margin-bottom: 56px; }
.section-heading h2 { max-width: 760px; font-size: clamp(42px, 4.5vw, 62px); line-height: 1.08; }
.section-heading > div:last-child > p { max-width: 540px; margin: 19px 0 0; color: var(--muted); font-size: 15px; line-height: 1.7; }
.solution-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid #cfd2cc; border-left: 1px solid #cfd2cc; }
.solution-card {
  min-height: 425px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 30px;
  background: rgba(255,255,255,.33);
  border-right: 1px solid #cfd2cc;
  border-bottom: 1px solid #cfd2cc;
  transition: background .25s, transform .25s;
}
.solution-card:hover { position: relative; z-index: 1; background: white; transform: translateY(-4px); }
.card-top { display: flex; align-items: center; justify-content: space-between; }
.card-number { color: #8f9b9f; font-size: 10px; letter-spacing: .13em; }
.card-arrow { width: 34px; height: 34px; display: grid; place-items: center; border: 1px solid #cbd0cd; border-radius: 50%; color: var(--teal); }
.card-tag { margin: 0 0 13px; color: var(--teal); font-size: 10px; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.solution-card h3 { margin: 0 0 16px; font-family: Georgia, serif; font-size: 29px; font-weight: 400; }
.solution-card > div:nth-child(2) > p:last-child { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.7; }
.card-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 17px; }
.card-actions a { width: fit-content; font-size: 11px; font-weight: 700; }
.quote-link { display: inline-flex; align-items: center; gap: 7px; padding: 11px 14px; background: var(--teal); color: white; transition: background .2s, transform .2s; }
.quote-link:hover, .quote-link:focus-visible { background: var(--navy-2); transform: translateY(-1px); }
.quote-link span { font-size: 13px; }
.consult-link { padding-bottom: 5px; color: var(--ink); border-bottom: 1px solid #aeb6b5; }

.insurers { padding: 72px 0; background: white; border-bottom: 1px solid var(--line); }
.insurers-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; align-items: center; }
.insurers-copy h2 { max-width: 520px; margin: 17px 0 16px; font-family: Georgia, 'Times New Roman', serif; font-size: 38px; font-weight: 400; line-height: 1.12; letter-spacing: -.03em; }
.insurers-copy > p:last-child { max-width: 570px; margin: 0; color: var(--muted); font-size: 14px; line-height: 1.7; }
.insurer-list { display: grid; grid-template-columns: repeat(3, 1fr); border-left: 1px solid var(--line); }
.insurer-list > div { min-height: 120px; display: grid; align-content: center; justify-items: center; padding: 20px; border-right: 1px solid var(--line); }
.insurer-list img { display: block; width: auto; height: auto; max-height: 70px; object-fit: contain; }
.insurer-list > div:nth-child(1) img { width: 88px; }
.insurer-list > div:nth-child(2) img { width: 145px; }
.insurer-list > div:nth-child(3) img { width: 125px; }

.process-heading { margin-bottom: 75px; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line); }
.step { position: relative; padding: 45px 48px 0 0; }
.step + .step { padding-left: 48px; border-left: 1px solid var(--line); }
.step > span { display: grid; width: 45px; height: 45px; place-items: center; margin-bottom: 38px; border: 1px solid #b7c0c1; border-radius: 50%; color: var(--teal); font-size: 10px; }
.step h3 { margin: 0 0 15px; font-family: Georgia, serif; font-size: 25px; font-weight: 400; }
.step p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.75; }

.advisory { padding: 110px 0; overflow: hidden; background: var(--navy); color: white; }
.advisory-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 120px; align-items: end; }
.advisory h2 { margin-top: 25px; font-size: clamp(48px, 5.6vw, 76px); line-height: 1.02; }
.advisory-copy { border-left: 1px solid rgba(255,255,255,.18); padding-left: 46px; }
.advisory-copy p { margin: 0 0 18px; color: rgba(255,255,255,.63); font-size: 15px; line-height: 1.75; }
.advisory-copy .text-link { margin-top: 17px; }

.faq-heading { align-items: end; }
.faq-heading h2 { font-size: clamp(42px, 4.5vw, 62px); }
.faq-list { margin-left: 35%; border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { position: relative; display: flex; justify-content: space-between; gap: 20px; padding: 27px 0; cursor: pointer; list-style: none; font-family: Georgia, serif; font-size: 21px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { color: var(--teal); font-family: Arial, sans-serif; font-size: 20px; font-weight: 300; transition: transform .2s; }
.faq-list details[open] summary span { transform: rotate(45deg); }
.faq-list details p, .faq-answer { max-width: 670px; margin: -5px 0 28px; color: var(--muted); font-size: 14px; line-height: 1.75; }

.closing { padding: 120px 0 58px; background: #0a2536; color: white; text-align: center; }
.closing-inner { display: grid; justify-items: center; }
.closing h2 { max-width: 850px; margin-top: 23px; font-size: clamp(50px, 6vw, 80px); line-height: 1.03; }
.closing-inner > p:nth-of-type(2) { max-width: 620px; margin: 27px auto 34px; color: rgba(255,255,255,.62); font-size: 16px; line-height: 1.7; }
.contact-form { width: min(920px, 100%); margin-top: 20px; padding: 40px; background: var(--paper); color: var(--ink); text-align: left; box-shadow: 0 24px 70px rgba(0,0,0,.18); }
.form-intro { display: grid; grid-template-columns: .65fr 1.35fr; gap: 36px; align-items: start; margin-bottom: 32px; padding-bottom: 25px; border-bottom: 1px solid var(--line); }
.form-intro > span { color: var(--teal); font-size: 11px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.form-intro p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.65; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 23px; }
.contact-form label > span { display: block; margin-bottom: 9px; font-size: 11px; font-weight: 700; letter-spacing: .05em; }
.contact-form input:not([type="checkbox"]), .contact-form select, .contact-form textarea { width: 100%; border: 1px solid #cfd5d2; border-radius: 0; background: white; color: var(--ink); font: inherit; font-size: 14px; outline: none; transition: border-color .2s, box-shadow .2s; }
.contact-form input:not([type="checkbox"]), .contact-form select { height: 50px; padding: 0 15px; }
.contact-form textarea { min-height: 126px; padding: 15px; resize: vertical; }
.contact-form input::placeholder, .contact-form textarea::placeholder { color: #929da1; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(12,107,112,.1); }
.form-message { grid-column: 1 / -1; }
.form-consent { display: flex; gap: 11px; align-items: flex-start; margin-top: 22px; color: var(--muted); }
.form-consent input { width: 16px; height: 16px; margin: 1px 0 0; accent-color: var(--teal); flex: 0 0 auto; }
.form-consent > span { margin: 0 !important; font-size: 11px !important; font-weight: 400 !important; line-height: 1.5; letter-spacing: 0 !important; }
.form-footer { display: flex; justify-content: space-between; align-items: center; gap: 24px; margin-top: 27px; }
.form-footer button { border: 0; cursor: pointer; }
.form-footer button span { margin-left: 8px; }
.form-footer p { max-width: 370px; margin: 0; color: var(--muted); font-size: 11px; line-height: 1.5; text-align: right; }
.contact-line { width: 100%; display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 34px; margin-top: 90px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.15); color: rgba(255,255,255,.5); font-size: 11px; letter-spacing: .1em; text-transform: uppercase; }
.contact-line span:first-child { justify-self: start; }
.contact-line span:last-child { justify-self: end; }
.contact-line strong { color: white; font-size: 13px; }

footer { padding: 54px 0; background: #061824; color: white; }
.footer-grid { display: grid; grid-template-columns: 1fr 1.2fr .8fr; align-items: center; gap: 40px; }
.footer-brand { color: rgba(255,255,255,.92); }
.footer-grid > div:nth-child(2) p { margin: 0 0 9px; color: rgba(255,255,255,.57); font-size: 13px; }
.footer-grid > div:nth-child(2) small { color: rgba(255,255,255,.32); font-size: 10px; }
.footer-links { display: flex; justify-content: flex-end; gap: 25px; color: rgba(255,255,255,.58); font-size: 11px; }
.desktop-nav li, .footer-links li { list-style: none; }
.desktop-nav ul, .footer-links ul { display: contents; }
.screen-reader-text { position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0; }
.whatsapp-float { position: fixed; z-index: 30; right: 24px; bottom: 24px; width: 54px; height: 54px; display: grid; place-items: center; border-radius: 50%; background: var(--gold); color: var(--navy); box-shadow: 0 12px 30px rgba(0,0,0,.24); font-size: 19px; transition: transform .2s; }
.whatsapp-float:hover { transform: translateY(-3px); }

@media (max-width: 980px) {
  .site-header { grid-template-columns: 1fr auto; }
  .desktop-nav, .header-cta { display: none; }
  .mobile-menu { display: block; justify-self: end; position: relative; }
  .mobile-menu summary { width: 42px; height: 42px; display: grid; place-content: center; gap: 7px; cursor: pointer; list-style: none; border: 1px solid rgba(255,255,255,.32); }
  .mobile-menu summary::-webkit-details-marker { display: none; }
  .mobile-menu summary span { display: block; width: 17px; height: 1px; background: white; }
  .mobile-menu nav { position: absolute; top: 52px; right: 0; width: 235px; display: grid; padding: 15px 20px; background: white; color: var(--ink); box-shadow: 0 18px 48px rgba(0,0,0,.22); }
  .mobile-menu nav a { padding: 12px 0; font-size: 13px; border-bottom: 1px solid #eceeea; }
  .mobile-menu nav a:last-child { color: var(--teal); border-bottom: 0; }
  .hero { min-height: 800px; }
  .about-grid, .advisory-grid { grid-template-columns: 1fr; gap: 48px; }
  .insurers-grid { grid-template-columns: 1fr; gap: 42px; }
  .solution-grid { grid-template-columns: repeat(2, 1fr); }
  .advisory-copy { border-left: 0; border-top: 1px solid rgba(255,255,255,.18); padding: 36px 0 0; }
  .faq-list { margin-left: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-links { grid-column: 1 / -1; justify-content: flex-start; }
}

@media (max-width: 700px) {
  .shell, .site-header { width: min(100% - 32px, 1180px); }
  .section { padding-block: 82px; }
  .site-header { height: 82px; }
  .brand-copy strong { font-size: 13px; }
  .brand-mark { width: 32px; height: 32px; }
  .brand-mark::before { width: 14px; left: 8px; top: 15px; }
  .brand-mark::after { height: 14px; top: 8px; left: 15px; }
  .brand-mark span::before { top: 7px; left: 7px; }
  .brand-mark span::after { right: 7px; bottom: 7px; }
  .hero { min-height: 810px; align-items: flex-start; }
  .hero-backdrop { background-position: 66% center; }
  .hero-content { padding-top: 155px; padding-bottom: 220px; }
  .hero h1 { margin-top: 22px; font-size: clamp(48px, 14.5vw, 66px); }
  .hero-lead { font-size: 16px; line-height: 1.6; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 24px; margin-top: 32px; }
  .hero-proof { grid-template-columns: 1fr; padding-bottom: 17px; }
  .hero-proof > div { padding: 11px 0; grid-template-columns: 140px 1fr; gap: 12px; align-items: center; }
  .hero-proof > div + div { padding-left: 0; border-left: 0; border-top: 1px solid rgba(255,255,255,.1); }
  .hero-proof strong { font-size: 14px; }
  .hero-proof span { font-size: 10px; }
  .about-grid { margin-top: 38px; }
  .about h2, .section-heading h2, .faq-heading h2 { font-size: 41px; }
  .section-heading { grid-template-columns: 1fr; gap: 30px; margin-bottom: 42px; }
  .solution-grid { grid-template-columns: 1fr; }
  .solution-card { min-height: 365px; padding: 26px; }
  .insurers { padding: 60px 0; }
  .insurers-copy h2 { font-size: 34px; }
  .insurer-list { grid-template-columns: 1fr; border-top: 1px solid var(--line); }
  .insurer-list > div { min-height: 92px; border-bottom: 1px solid var(--line); }
  .steps { grid-template-columns: 1fr; }
  .step { padding: 30px 0; }
  .step + .step { padding-left: 0; border-left: 0; border-top: 1px solid var(--line); }
  .step > span { margin-bottom: 24px; }
  .advisory { padding: 82px 0; }
  .advisory h2, .closing h2 { font-size: 48px; }
  .faq-list summary { font-size: 18px; }
  .closing { padding-top: 88px; }
  .contact-form { padding: 27px 20px; }
  .form-intro, .form-grid { grid-template-columns: 1fr; gap: 20px; }
  .form-intro { gap: 12px; }
  .form-message { grid-column: auto; }
  .form-footer { align-items: stretch; flex-direction: column; }
  .form-footer button { width: 100%; }
  .form-footer p { max-width: none; text-align: left; }
  .contact-line { grid-template-columns: 1fr; gap: 13px; margin-top: 65px; }
  .contact-line span:first-child, .contact-line span:last-child { justify-self: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-links { grid-column: auto; flex-wrap: wrap; }
  .whatsapp-float { right: 16px; bottom: 16px; width: 50px; height: 50px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}