:root {
  --bg: #eef3fb;
  --surface: #ffffff;
  --surface-soft: #f7faff;
  --ink: #132f54;
  --muted: #526889;
  --brand: #1f4f92;
  --brand-strong: #163d72;
  --line: #d2dff0;
  --shadow-lg: 0 26px 55px rgba(17, 52, 98, 0.14);
  --shadow-md: 0 12px 26px rgba(17, 52, 98, 0.1);
  --radius-xl: 24px;
  --radius-lg: 16px;
  --radius-md: 12px;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Manrope", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 14% 10%, #dae9ff 0%, transparent 35%),
    radial-gradient(circle at 85% 22%, #d8e9ff 0%, transparent 38%),
    var(--bg);
}

.site-wrap {
  width: min(1180px, calc(100% - 1.2rem));
  margin: 0.8rem auto 1.6rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  height: 70px;
  min-height: 70px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 0 20px;
  background: #072050;
  backdrop-filter: blur(10px);
  position: sticky;
  top: 0;
  z-index: 20;
}

.brand {
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: #fff;
  font-weight: 800;
  font-family: "Plus Jakarta Sans", sans-serif;
  min-width: 200px;
  flex-shrink: 0;
}

.brand-mark {
  position: relative;
  width: 42px;
  height: 42px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: #0b2a6b;
  box-shadow: 0 14px 28px rgba(5, 16, 45, 0.34);
  flex: 0 0 auto;
}

.brand-mark-inner {
  width: 30px;
  height: 30px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: #1a5cc8;
  color: #fff;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.55rem;
  font-weight: 700;
  line-height: 1;
}

.brand-mark-dot {
  position: absolute;
  top: 5px;
  right: 5px;
  width: 9px;
  height: 9px;
  border-radius: 999px;
  background: #4f90ff;
  box-shadow: 0 0 0 4px rgba(79, 144, 255, 0.14);
}

.brand-divider {
  width: 1px;
  height: 32px;
  background: rgba(255, 255, 255, 0.2);
  flex: 0 0 auto;
}

.brand-lockup {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
  white-space: nowrap;
  flex: 0 0 auto;
}

.brand-name {
  color: #fff;
  font-size: 16px;
  font-weight: 800;
  letter-spacing: 0.02em;
  line-height: 1;
  white-space: nowrap;
}

.brand-subtitle {
  color: #8fb6ff;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.16em;
  line-height: 1.1;
  text-transform: uppercase;
  white-space: nowrap;
}

.nav {
  display: flex;
  flex-wrap: nowrap;
  gap: 16px;
  align-items: center;
  min-width: 0;
  flex: 1 1 auto;
  justify-content: center;
  overflow: visible;
  padding: 0 16px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  min-width: 80px;
  flex-shrink: 0;
  justify-content: flex-end;
}

.lang-toggle-slot {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  min-width: 80px;
  flex: 0 0 auto;
}

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.08);
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 999px;
  background: #fff;
}

.nav a {
  color: rgba(255, 255, 255, 0.9);
  text-decoration: none;
  font-weight: 700;
  font-size: 13px;
  white-space: nowrap;
  padding: 0;
  border: 1px solid transparent;
  border-radius: 0;
  flex: 0 0 auto;
  line-height: 1;
}

.nav a:hover,
.nav a[aria-current="page"] {
  border-color: transparent;
  background: transparent;
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 0.22em;
}

.lang-switch {
  display: inline-flex;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  padding: 0.2rem;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.05);
}

.lang-btn {
  border: 0;
  background: transparent;
  color: rgba(255, 255, 255, 0.9);
  font: inherit;
  font-size: 0.78rem;
  font-weight: 800;
  border-radius: 999px;
  min-width: 42px;
  padding: 0.42rem 0.7rem;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}

.lang-btn.active {
  background: #fff;
  color: var(--brand-strong);
  box-shadow: 0 4px 12px rgba(5, 16, 45, 0.22);
}

.hero {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2rem;
  align-items: center;
  padding: 3rem 2rem 2.4rem;
}

.eyebrow {
  display: inline-block;
  font-weight: 800;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brand-strong);
  border: 1px solid #c5d7ef;
  background: #e8f1ff;
  border-radius: 999px;
  padding: 0.35rem 0.7rem;
  margin-bottom: 0.95rem;
}

h1,
h2 {
  margin: 0;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
}

h1 {
  font-size: clamp(2rem, 3.8vw, 3.35rem);
  line-height: 1.08;
  max-width: 14ch;
}

h2 {
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  line-height: 1.1;
}

.lead {
  margin: 1rem 0 1.7rem;
  color: var(--muted);
  line-height: 1.65;
  max-width: 58ch;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: var(--radius-md);
  min-width: 210px;
  text-decoration: none;
  padding: 0.9rem 1.2rem;
  font-size: 0.95rem;
  font-weight: 800;
  cursor: pointer;
}

.btn:disabled {
  cursor: not-allowed;
}

.btn-primary {
  background: linear-gradient(145deg, #2f6fc0, var(--brand));
  color: #fff;
  box-shadow: 0 12px 24px rgba(31, 79, 146, 0.26);
}

.btn-primary:disabled {
  background: #b8c3d6;
  color: #f8fbff;
  box-shadow: none;
}

.btn-ghost {
  border: 1px solid #c0d3f1;
  color: var(--brand-strong);
  background: #f1f7ff;
}

.btn-inline {
  min-width: 0;
  padding: 0.8rem 1rem;
}

.btn-remove {
  min-width: 0;
  padding: 0.62rem 0.95rem;
  background: #d63b45;
  color: #fff;
  box-shadow: none;
}

.btn-remove:disabled {
  background: #f1b8bc;
  cursor: not-allowed;
}

.hero-image {
  min-height: 360px;
  width: 100%;
  object-fit: cover;
  border-radius: 20px;
  border: 1px solid #cddcf0;
  box-shadow: var(--shadow-md);
}

.stars {
  color: #12a866;
  letter-spacing: 0.12em;
}

.home-section {
  padding: 2.3rem 1.6rem;
  border-top: 1px solid var(--line);
}

.home-section-head {
  display: grid;
  gap: 0.7rem;
}

.feature-grid {
  margin-top: 1.3rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.feature-card {
  border: 1px solid var(--line);
  background: #fbfdff;
  border-radius: var(--radius-lg);
  padding: 1rem;
  box-shadow: 0 8px 20px rgba(17, 52, 98, 0.07);
}

.feature-card h3 {
  margin: 0 0 0.45rem;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1rem;
}

.feature-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.55;
  font-size: 0.93rem;
}

.home-section.testimonials {
  background: linear-gradient(180deg, #f9fbff 0%, #ffffff 100%);
}

.testimonial-grid {
  margin-top: 1.1rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.testimonial-card {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 1.2rem;
  box-shadow: 0 12px 28px rgba(17, 52, 98, 0.08);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.testimonial-card .stars {
  margin: 0 0 0.7rem;
  font-size: 1rem;
}

.testimonial-text {
  margin: 0;
  color: var(--muted);
  line-height: 1.6;
  flex: 1;
}

.testimonial-name {
  margin: 1rem 0 0;
  color: var(--ink);
  font-weight: 700;
  font-size: 0.98rem;
}

.testimonial-meta {
  margin: 0.2rem 0 0;
  color: var(--muted);
  font-size: 0.86rem;
  line-height: 1.5;
}

.page-content {
  padding: 2.3rem 1.6rem 2.4rem;
}

.section-text {
  margin: 0.9rem 0 1.2rem;
  color: var(--muted);
  line-height: 1.65;
}

.card-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card-grid.four {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
  border: 1px solid var(--line);
  background: #fbfdff;
  border-radius: var(--radius-lg);
  padding: 1rem;
  box-shadow: 0 8px 20px rgba(17, 52, 98, 0.07);
  display: grid;
  gap: 0.7rem;
}

.card h3 {
  margin: 0;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1rem;
}

.card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.55;
  font-size: 0.94rem;
}

.form-shell {
  width: min(860px, calc(100% - 1rem));
  margin: 1rem auto 2rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.form-content {
  padding: 2rem 1.3rem;
}

.form-intro {
  margin: 0.8rem 0 1.4rem;
  color: var(--muted);
  line-height: 1.6;
}

.form-grid {
  display: grid;
  gap: 0.9rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  display: grid;
  gap: 0.35rem;
}

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

label {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--brand-strong);
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #c5d7ef;
  border-radius: 10px;
  font: inherit;
  padding: 0.7rem 0.76rem;
}

textarea {
  min-height: 110px;
  resize: vertical;
}

.helper {
  margin-top: 0.65rem;
  color: var(--muted);
  font-size: 0.85rem;
}

.funnel-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: #fbfdff;
  padding: 1.2rem;
  margin-top: 1rem;
  box-shadow: 0 8px 20px rgba(17, 52, 98, 0.07);
}

.funnel-progress {
  margin-bottom: 1.1rem;
}

.progress-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 700;
  margin-bottom: 0.45rem;
}

.progress-track {
  width: 100%;
  height: 10px;
  border-radius: 999px;
  background: #e7effb;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(145deg, #2f6fc0, var(--brand));
}

.step-badges {
  display: flex;
  gap: 0.35rem;
  flex-wrap: wrap;
  margin: 0.75rem 0 0;
}

.step-badge {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--brand-strong);
  border: 1px solid #c3d5ef;
  background: #f1f7ff;
  border-radius: 999px;
  padding: 0.25rem 0.55rem;
}

.step-badge.active {
  color: #fff;
  border-color: transparent;
  background: linear-gradient(145deg, #2f6fc0, var(--brand));
}

.step-actions {
  margin-top: 1rem;
  display: flex;
  gap: 0.85rem;
  flex-wrap: wrap;
}

.submit-confirmation {
  flex: 1 1 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface-soft);
  padding: 0.9rem 1rem;
}

.submit-confirmation label {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  color: var(--brand-strong);
  font-weight: 700;
  line-height: 1.5;
  cursor: pointer;
}

.submit-confirmation input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin: 0.1rem 0 0;
  accent-color: var(--brand-strong);
  flex: 0 0 auto;
}

.submit-tooltip {
  display: inline-flex;
}

.step-panel {
  display: none;
}

.step-panel.active {
  display: block;
}

.step-panel-head {
  margin-bottom: 1rem;
}

.step-panel-head h3 {
  margin: 0;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1.05rem;
}

.step-panel-head p {
  margin: 0.4rem 0 0;
  color: var(--muted);
  line-height: 1.55;
}

.review-stack {
  display: grid;
  gap: 0.9rem;
}

.review-card-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.75rem;
}

.field-error input,
.field-error select,
.field-error textarea {
  border-color: #d63b45;
  box-shadow: 0 0 0 3px rgba(214, 59, 69, 0.12);
}

.error-text {
  color: #b12630;
  font-size: 0.8rem;
  font-weight: 700;
}

.repeat-section {
  margin-top: 1.25rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, #f9fbff 0%, #f3f8ff 100%);
  padding: 1rem;
}

.repeat-section-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1rem;
}

.repeat-section-head h3,
.repeat-card-head h4 {
  margin: 0;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
}

.repeat-section-head p {
  margin: 0.35rem 0 0;
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.55;
}

.repeat-list {
  display: grid;
  gap: 0.9rem;
}

.ops-checkbox-list {
  display: grid;
  gap: 0.75rem;
}

.ops-checkbox-item {
  display: grid;
  grid-template-columns: 24px minmax(0, 1fr);
  align-items: center;
  gap: 0.85rem;
  min-height: 56px;
  padding: 0.9rem 1rem;
  border: 1px solid #cfe0f3;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.96);
  transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

.ops-checkbox-item:has(input:checked) {
  border-color: #8eb3ea;
  background: linear-gradient(180deg, #edf5ff 0%, #e3efff 100%);
  box-shadow: inset 0 0 0 1px rgba(31, 79, 146, 0.16);
}

.ops-checkbox-item input[type="checkbox"] {
  width: 24px;
  height: 24px;
  margin: 0;
  accent-color: #1f4f92;
}

.ops-checkbox-item label {
  color: var(--ink);
  font-weight: 600;
  line-height: 1.45;
  cursor: pointer;
}

.repeat-card {
  border: 1px solid #cfe0f3;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.96);
  padding: 1rem;
  box-shadow: 0 10px 20px rgba(17, 52, 98, 0.06);
}

.repeat-card-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.9rem;
}

.summary-grid {
  margin-top: 1rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.9rem;
}

.summary-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.9rem;
  background: #fff;
}

.summary-card h3 {
  margin: 0 0 0.5rem;
  font-size: 0.98rem;
  color: var(--brand-strong);
}

.summary-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.28rem;
  color: var(--muted);
  font-size: 0.9rem;
}

.summary-list strong {
  color: var(--ink);
  font-weight: 700;
}

.claims-page {
  padding-bottom: 2.4rem;
}

.claims-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.9fr);
  gap: 1.5rem;
  align-items: stretch;
  padding: 2rem 1.6rem;
  background: linear-gradient(135deg, #071a44 0%, #0b2a6b 56%, #163f93 100%);
}

.claims-hero-copy {
  display: grid;
  align-content: center;
}

.claims-hero .eyebrow {
  color: #d8e8ff;
  border-color: rgba(255, 255, 255, 0.16);
  background: rgba(255, 255, 255, 0.08);
}

.claims-hero h1,
.claims-hero .lead {
  color: #fff;
}

.claims-hero .lead {
  max-width: 54ch;
}

.claims-hero-card {
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 22px;
  padding: 1.4rem;
  background: rgba(255, 255, 255, 0.08);
  box-shadow: 0 18px 36px rgba(5, 16, 45, 0.3);
  color: #fff;
  display: grid;
  gap: 1rem;
  align-content: start;
}

.claims-hero-card h2 {
  color: #fff;
  font-size: clamp(1.35rem, 2vw, 1.7rem);
}

.claims-hero-card p {
  margin: 0;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.6;
}

.claims-pill-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.7rem;
}

.claims-pill-list li {
  border-radius: 14px;
  padding: 0.8rem 0.9rem;
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  font-weight: 700;
}

.claims-section {
  padding: 2.3rem 1.6rem 0;
}

.claims-section-head {
  display: grid;
  gap: 0.7rem;
  margin-bottom: 1.2rem;
}

.claims-grid-3,
.claims-grid-steps {
  display: grid;
  gap: 1rem;
}

.claims-grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.claims-grid-steps {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.claims-card {
  border: 1px solid var(--line);
  background: linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
  border-radius: var(--radius-lg);
  padding: 1.2rem;
  box-shadow: 0 10px 22px rgba(17, 52, 98, 0.08);
}

.claims-card h3 {
  margin: 0 0 0.55rem;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1rem;
}

.claims-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.6;
}

.claims-card-number {
  display: inline-flex;
  width: 42px;
  height: 42px;
  border-radius: 14px;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.9rem;
  background: linear-gradient(145deg, #2f6fc0, var(--brand));
  color: #fff;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1rem;
  font-weight: 800;
  box-shadow: 0 10px 20px rgba(31, 79, 146, 0.2);
}

.claims-steps {
  list-style: none;
  margin: 0.9rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.75rem;
}

.claims-steps li {
  display: grid;
  grid-template-columns: 34px minmax(0, 1fr);
  gap: 0.75rem;
  align-items: start;
}

.claims-step-number {
  width: 34px;
  height: 34px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: #eaf2ff;
  color: var(--brand-strong);
  font-size: 0.82rem;
  font-weight: 800;
}

.claims-step-copy {
  color: var(--muted);
  line-height: 1.55;
  font-size: 0.93rem;
}

.claims-step-copy strong {
  display: block;
  color: var(--ink);
  margin-bottom: 0.16rem;
}

.claims-timeline {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 1rem;
}

.claims-timeline li {
  display: grid;
  grid-template-columns: 154px minmax(0, 1fr);
  gap: 1rem;
  align-items: center;
}

.claims-timeline-day {
  border-radius: 999px;
  padding: 0.72rem 1rem;
  background: #0b2a6b;
  color: #fff;
  font-size: 0.88rem;
  font-weight: 800;
  text-align: center;
  box-shadow: 0 10px 20px rgba(11, 42, 107, 0.18);
}

.claims-timeline-copy {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: #fbfdff;
  padding: 1rem 1.05rem;
  box-shadow: 0 8px 20px rgba(17, 52, 98, 0.06);
}

.claims-timeline-copy h3 {
  margin: 0 0 0.3rem;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1rem;
}

.claims-timeline-copy p {
  margin: 0;
  color: var(--muted);
  line-height: 1.55;
}

.claims-contact {
  margin: 2.3rem 1.6rem 0;
  border-radius: 22px;
  padding: 1.5rem;
  background: linear-gradient(135deg, #0a255e 0%, #163f93 100%);
  color: #fff;
  box-shadow: 0 18px 36px rgba(11, 42, 107, 0.24);
}

.claims-contact h2,
.claims-contact p {
  color: #fff;
}

.claims-contact p {
  margin: 0.8rem 0 0;
  line-height: 1.65;
}

.claims-contact-grid {
  margin-top: 1.2rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.claims-contact-item {
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 18px;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.08);
}

.claims-contact-item span {
  display: block;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 0.45rem;
}

.claims-contact-item a,
.claims-contact-item strong {
  color: #fff;
  font-size: 1rem;
  font-weight: 800;
  text-decoration: none;
}

.faq-page {
  padding-bottom: 2.4rem;
}

.faq-hero {
  padding: 2.4rem 1.6rem 1.8rem;
  background: linear-gradient(135deg, #edf5ff 0%, #f8fbff 100%);
  border-bottom: 1px solid var(--line);
}

.faq-hero-copy {
  width: min(760px, 100%);
}

.faq-hero-copy h1 {
  max-width: 16ch;
}

.faq-hero-copy .lead {
  margin-bottom: 0;
}

.faq-section {
  padding: 2rem 1.6rem 0;
}

.faq-section-head {
  display: grid;
  gap: 0.7rem;
  margin-bottom: 1rem;
}

.faq-stack {
  display: grid;
  gap: 0.8rem;
}

.faq-item {
  border: 1px solid var(--line);
  border-radius: 18px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
  box-shadow: 0 8px 20px rgba(17, 52, 98, 0.06);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  border: 0;
  background: transparent;
  color: var(--ink);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.1rem;
  text-align: left;
  font: inherit;
  font-weight: 800;
  font-size: 0.98rem;
  cursor: pointer;
}

.faq-question:hover {
  background: #f5f9ff;
}

.faq-question:focus-visible {
  outline: 3px solid rgba(31, 79, 146, 0.18);
  outline-offset: -3px;
}

.faq-icon {
  width: 34px;
  height: 34px;
  border-radius: 12px;
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  background: #eaf2ff;
  color: var(--brand-strong);
  font-size: 1.1rem;
  line-height: 1;
  transition: transform 0.2s ease, background 0.2s ease;
}

.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
  background: #dceaff;
}

.faq-answer {
  padding: 0 1.1rem 1rem;
}

.faq-answer[hidden] {
  display: none;
}

.faq-answer p {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

.faq-cta {
  margin: 2.3rem 1.6rem 0;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 1.5rem;
  background: linear-gradient(135deg, #0a255e 0%, #163f93 100%);
  color: #fff;
  box-shadow: 0 18px 36px rgba(11, 42, 107, 0.22);
  text-align: center;
}

.faq-cta h2,
.faq-cta p {
  color: #fff;
}

.faq-cta p {
  margin: 0.8rem auto 1.2rem;
  max-width: 58ch;
  line-height: 1.65;
}

.resources-page,
.blog-page {
  padding-bottom: 2.4rem;
}

.resources-hero,
.blog-hero {
  padding: 2.4rem 1.6rem 1.8rem;
  background: linear-gradient(135deg, #edf5ff 0%, #f8fbff 100%);
  border-bottom: 1px solid var(--line);
}

.resources-hero-copy,
.blog-hero-copy {
  width: min(760px, 100%);
}

.resources-hero-copy h1,
.blog-hero-copy h1 {
  max-width: 18ch;
}

.resources-section,
.blog-section {
  padding: 2rem 1.6rem 0;
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.resource-card {
  border: 1px solid var(--line);
  border-radius: 20px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
  box-shadow: 0 10px 22px rgba(17, 52, 98, 0.07);
  padding: 1.2rem;
  display: grid;
  gap: 0.9rem;
}

.resource-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
}

.resource-tag {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: 0.35rem 0.7rem;
  background: #e8f1ff;
  border: 1px solid #c5d7ef;
  color: var(--brand-strong);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.resource-date {
  color: var(--muted);
  font-size: 0.8rem;
  font-weight: 700;
}

.resource-card h3 {
  margin: 0;
  color: var(--brand-strong);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1.08rem;
  line-height: 1.35;
}

.resource-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

.blog-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
}

.blog-article {
  border: 1px solid var(--line);
  border-radius: 24px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
  box-shadow: 0 12px 28px rgba(17, 52, 98, 0.08);
  padding: 1.6rem;
}

.blog-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
  margin-bottom: 1rem;
}

.blog-date {
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
}

.blog-article h2 {
  margin-top: 1.6rem;
  font-size: clamp(1.45rem, 2.5vw, 2rem);
}

.blog-article p {
  margin: 0.95rem 0 0;
  color: var(--muted);
  line-height: 1.75;
}

.blog-cta {
  margin-top: 1.8rem;
  border-radius: 20px;
  padding: 1.3rem;
  background: linear-gradient(135deg, #0a255e 0%, #163f93 100%);
  color: #fff;
}

.blog-cta h2,
.blog-cta p {
  color: #fff;
}

.blog-cta p {
  margin: 0.75rem 0 1rem;
  line-height: 1.65;
}

.site-footer {
  margin-top: auto;
}

.footer-main {
  background: #0b2a6b;
  color: #fff;
  padding: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 60px;
  align-items: start;
}

.footer-brand {
  display: grid;
  padding: 40px;
  align-content: start;
}

.footer-brand .brand {
  width: fit-content;
}

.footer-tagline {
  margin: 16px 0 0;
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.5;
}

.footer-col {
  display: block;
  padding: 40px;
}

.footer-col h3 {
  margin: 0 0 16px;
  color: #fff;
  font-size: 16px;
  font-weight: 800;
  font-family: "Plus Jakarta Sans", sans-serif;
}

.footer-contact-item,
.footer-hours-text {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.94rem;
  line-height: 1.7;
}

.footer-contact-item {
  margin-bottom: 8px;
}

.footer-contact-item:last-child {
  margin-bottom: 0;
}

.footer-actions {
  margin-top: 20px;
  width: 100%;
}

.footer-action {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  width: 100%;
  border-radius: 14px;
  text-decoration: none;
  font-weight: 800;
  font-size: 0.92rem;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.footer-action + .footer-action {
  margin-top: 12px;
}

.footer-action.primary {
  background: #4f90ff;
  color: #071a44;
  box-shadow: 0 10px 24px rgba(5, 16, 45, 0.28);
}

.footer-action.primary:hover {
  background: #72a7ff;
}

.footer-action.secondary {
  border: 1px solid rgba(255, 255, 255, 0.24);
  background: rgba(255, 255, 255, 0.06);
  color: #fff;
}

.footer-action.secondary:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.34);
}

.footer-legal {
  background: #081f4f;
  color: rgba(255, 255, 255, 0.94);
  font-size: 11px;
  line-height: 1.7;
  padding: 0.9rem 1.4rem 1rem;
}

.footer-legal p {
  margin: 0;
}

@media (max-width: 980px) {
  .site-header {
    padding: 0 16px;
  }

  .lang-btn {
    min-width: 38px;
    padding: 0.38rem 0.58rem;
  }

  .nav {
    gap: 14px;
    padding: 0 12px;
  }

  .nav a {
    font-size: 12px;
  }

  .hero {
    grid-template-columns: 1fr;
    padding: 2.3rem 1.2rem 1.6rem;
  }

  .card-grid,
  .feature-grid,
  .testimonial-grid,
  .claims-grid-3,
  .claims-grid-steps,
  .claims-contact-grid,
  .resource-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

@media (max-width: 899px) {
  .site-header {
    align-items: center;
    height: 70px;
    min-height: 70px;
    padding: 0 14px;
    position: relative;
    justify-content: space-between;
  }

  .brand {
    gap: 0.6rem;
    min-width: 200px;
    flex: 0 1 auto;
  }

  .brand-mark {
    width: 40px;
    height: 40px;
    border-radius: 14px;
  }

  .brand-mark-inner {
    width: 28px;
    height: 28px;
    border-radius: 10px;
    font-size: 1.4rem;
  }

  .brand-name {
    font-size: 15px;
    letter-spacing: 0.03em;
  }

  .brand-subtitle {
    display: block;
    font-size: 8px;
    letter-spacing: 0.12em;
  }

  .brand-divider {
    height: 30px;
  }

  .nav-toggle {
    display: inline-flex;
    margin-left: 0;
    flex: 0 0 auto;
  }

  .header-actions {
    display: none;
  }

  .nav {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    left: 14px;
    right: 14px;
    flex-direction: column;
    align-items: stretch;
    gap: 0.55rem;
    padding: 0.8rem;
    background: #081f4f;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 18px;
    box-shadow: 0 18px 35px rgba(5, 16, 45, 0.32);
    z-index: 40;
    justify-content: flex-start;
  }

  .site-header.mobile-nav-open .nav {
    display: flex;
  }

  .nav a {
    width: 100%;
    padding: 0.75rem 0.9rem;
    border-radius: 12px;
    font-size: 13px;
    line-height: 1.2;
    background: rgba(255, 255, 255, 0.04);
  }

  .lang-switch {
    width: 100%;
    justify-content: center;
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.14);
  }

  .lang-btn {
    color: #fff;
  }

  .lang-btn.active {
    color: var(--brand-strong);
  }

  .hero {
    grid-template-columns: 1fr;
    padding: 2rem 1rem 1.3rem;
    text-align: center;
  }

  .hero > div {
    display: grid;
    justify-items: center;
  }

  .lead {
    max-width: 34ch;
    margin-left: auto;
    margin-right: auto;
  }

  .btn-row {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.7rem;
  }

  .hero-image {
    min-height: 220px;
  }

  .btn {
    width: 100%;
    min-width: 0;
  }

  .hero .btn-row .btn,
  .hero .btn-row .btn-primary,
  .hero .btn-row .btn-ghost {
    background: #0b2a6b;
    color: #fff;
    border: 1px solid #0b2a6b;
    box-shadow: none;
  }

  .card-grid,
  .card-grid.four,
  .feature-grid,
  .testimonial-grid,
  .form-grid,
  .summary-grid,
  .footer-grid,
  .claims-grid-3,
  .claims-grid-steps,
  .claims-contact-grid,
  .resource-grid {
    grid-template-columns: 1fr;
  }

  .claims-page {
    padding-bottom: 1.8rem;
  }

  .faq-page {
    padding-bottom: 1.8rem;
  }

  .resources-page,
  .blog-page {
    padding-bottom: 1.8rem;
  }

  .claims-hero,
  .claims-section,
  .claims-contact {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .claims-contact {
    margin-left: 1rem;
    margin-right: 1rem;
  }

  .faq-hero,
  .faq-section {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .resources-hero,
  .resources-section,
  .blog-hero,
  .blog-section {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .faq-cta {
    margin-left: 1rem;
    margin-right: 1rem;
  }

  .blog-article,
  .blog-cta {
    padding-left: 1.15rem;
    padding-right: 1.15rem;
  }

  .claims-timeline li {
    grid-template-columns: 1fr;
    gap: 0.7rem;
  }

  .claims-timeline-day {
    justify-self: start;
    min-width: 138px;
  }

  .footer-grid {
    gap: 24px;
  }

  .repeat-section-head,
  .repeat-card-head {
    flex-direction: column;
    align-items: stretch;
  }

  .footer-main,
  .footer-legal {
    padding-left: 0.7rem;
    padding-right: 0.7rem;
  }

  .footer-brand,
  .footer-col {
    padding: 20px;
  }

  .footer-actions {
    margin-top: 12px;
  }

  .footer-action,
  .footer-action.primary,
  .footer-action.secondary {
    min-height: 0;
    width: 100%;
    padding: 0.8rem 1rem;
    border: 1px solid rgba(255, 255, 255, 0.28);
    background: transparent;
    color: #fff;
    box-shadow: none;
  }
}