:root {
  --bg: #f6f9ff;
  --bg-alt: #edf3fb;
  --surface: #ffffff;
  --text: #13223a;
  --text-muted: #4d6078;
  --primary: #0985c2;
  --primary-strong: #052865;
  --accent: #0e4092;
  --border: #d7e1f0;
  --shadow: 0 20px 45px rgba(8, 38, 63, 0.09);
  --radius: 16px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Manrope", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at 90% 5%, rgba(9, 133, 194, 0.15), transparent 27%),
    radial-gradient(circle at 5% 35%, rgba(147, 188, 228, 0.2), transparent 23%),
    var(--bg);
  line-height: 1.65;
}

h1,
h2,
h3 {
  margin-top: 0;
  font-family: "Sora", sans-serif;
  line-height: 1.2;
}

h1 {
  font-size: clamp(2rem, 4.8vw, 3.8rem);
  letter-spacing: -0.03em;
}

h2 {
  font-size: clamp(1.55rem, 3vw, 2.5rem);
  letter-spacing: -0.02em;
  margin-bottom: 1.3rem;
}

h3 {
  font-size: clamp(1.12rem, 2vw, 1.4rem);
}

p {
  margin: 0 0 1rem;
}

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(10px);
  background: rgba(248, 251, 255, 0.92);
  border-bottom: 1px solid rgba(220, 229, 239, 0.8);
}

.nav-wrap {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.3rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  text-decoration: none;
  color: var(--text);
  font-family: "Sora", sans-serif;
  font-weight: 700;
  letter-spacing: -0.02em;
  font-size: 1.15rem;
}

.brand-logo {
  width: clamp(150px, 18vw, 230px);
  height: auto;
  max-height: 66px;
  object-fit: contain;
  display: block;
}

.main-nav {
  display: flex;
  gap: 0.85rem;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.main-nav a {
  color: var(--text);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.4rem 0.55rem;
  border-radius: 10px;
  transition: 0.2s ease;
}

.main-nav a:hover,
.main-nav a:focus-visible {
  background: rgba(9, 133, 194, 0.14);
  color: var(--primary-strong);
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--surface);
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
}

.menu-toggle span {
  width: 20px;
  height: 2px;
  background: var(--text);
}

.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: 6.25rem 0 4.8rem;
}

.hero-bg-shape {
  position: absolute;
  border-radius: 999px;
  filter: blur(2px);
  z-index: -1;
}

.shape-a {
  width: 380px;
  height: 380px;
  right: -80px;
  top: -120px;
  background: linear-gradient(140deg, rgba(147, 188, 228, 0.3), rgba(14, 64, 146, 0.24));
}

.shape-b {
  width: 330px;
  height: 330px;
  left: -120px;
  bottom: -150px;
  background: linear-gradient(120deg, rgba(9, 133, 194, 0.24), rgba(5, 40, 101, 0.2));
}

.hero-content {
  display: grid;
  gap: 1.2rem;
  max-width: 790px;
}

.hero-layout {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 1.4rem;
  align-items: center;
}

.hero-media {
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 0.55rem;
  box-shadow: var(--shadow);
}

.hero-media img {
  display: block;
  width: 100%;
  height: 100%;
  border-radius: 14px;
  object-fit: cover;
}

.eyebrow {
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--primary-strong);
  font-weight: 700;
  font-size: 0.8rem;
}

.hero-actions {
  display: flex;
  gap: 0.85rem;
  flex-wrap: wrap;
  margin-top: 0.2rem;
}

.section {
  padding: 4.2rem 0;
}

.section-alt {
  background: linear-gradient(180deg, var(--bg-alt), rgba(237, 243, 248, 0.78));
}

.content-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(1.2rem, 2vw, 2rem);
  margin-bottom: 1.3rem;
}

.split {
  display: flex;
  justify-content: space-between;
  gap: 1.4rem;
  align-items: center;
  flex-wrap: wrap;
}

.grid {
  display: grid;
  gap: 1rem;
}

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

.feature-card,
.tier-card {
  border: 1px solid var(--border);
  background: var(--surface);
  border-radius: 14px;
  padding: 1.1rem;
  box-shadow: 0 10px 20px rgba(8, 38, 63, 0.07);
}

.tier-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 0.8rem;
}

.tier-logo {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 10px;
  border: 1px solid #d9e2ee;
  margin-bottom: 0.7rem;
}

.important-note {
  background: rgba(147, 188, 228, 0.24);
  border-left: 4px solid var(--accent);
  padding: 0.85rem 1rem;
  border-radius: 10px;
  font-weight: 600;
}

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

.faq-list details {
  border: 1px solid var(--border);
  background: var(--surface);
  border-radius: 12px;
  padding: 0.8rem 1rem;
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  color: #163045;
}

.faq-list summary::marker {
  color: var(--primary);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  padding: 0.72rem 1.1rem;
  border: 0;
  font-family: "Sora", sans-serif;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  transition: 0.2s ease;
}

.btn-primary {
  background: linear-gradient(130deg, var(--primary), #0e4092);
  color: #fff;
}

.btn-primary:hover,
.btn-primary:focus-visible {
  transform: translateY(-1px);
  background: linear-gradient(130deg, var(--primary-strong), #114698);
}

.btn-secondary {
  background: #fff;
  color: var(--primary-strong);
  border: 1px solid #c4d6e8;
}

.btn-secondary:hover,
.btn-secondary:focus-visible {
  background: #f6fbff;
}

.form-grid {
  display: grid;
  gap: 0.95rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

label {
  display: grid;
  gap: 0.42rem;
  font-weight: 600;
  color: #20384c;
}

input,
textarea {
  width: 100%;
  border: 1px solid #c7d6e6;
  border-radius: 10px;
  padding: 0.72rem 0.8rem;
  font: inherit;
  color: var(--text);
  background: #fff;
}

input:focus,
textarea:focus {
  outline: 2px solid rgba(0, 111, 142, 0.25);
  border-color: var(--primary);
}

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

.form-note,
.muted {
  color: var(--text-muted);
  font-size: 0.93rem;
  margin-bottom: 0;
}

.error-note {
  color: #b42318;
}

.site-footer {
  border-top: 1px solid var(--border);
  background: #fff;
  padding: 1.2rem 0;
}

.footer-wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.8rem;
  flex-wrap: wrap;
}

.footer-wrap a {
  color: var(--primary-strong);
  font-weight: 600;
  text-decoration: none;
}

/* ── Nav CTA (Buy a Policy) ── */
.main-nav a.nav-cta {
  background: linear-gradient(130deg, var(--primary), #0e4092);
  color: #fff;
  border-radius: 10px;
  padding: 0.4rem 0.75rem;
}

.main-nav a.nav-cta:hover,
.main-nav a.nav-cta:focus-visible {
  background: linear-gradient(130deg, var(--primary-strong), #114698);
  color: #fff;
}

/* ── Buy-policy page layout ── */
.buy-page {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

.buy-main {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.buy-embed-wrapper {
  flex: 1;
  position: relative;
  min-height: 560px;
}

.buy-embed-loading {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  background: var(--bg);
  z-index: 2;
  color: var(--text-muted);
  font-size: 0.95rem;
  transition: opacity 0.3s ease;
}

.buy-embed-loading.fade-out {
  opacity: 0;
  pointer-events: none;
}

.embed-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: embedSpin 0.75s linear infinite;
}

@keyframes embedSpin {
  to { transform: rotate(360deg); }
}

.buy-iframe {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: none;
}


.reveal {
  opacity: 0;
  transform: translateY(24px);
  animation: riseIn 0.65s ease forwards;
  animation-delay: var(--delay, 0.08s);
}

@keyframes riseIn {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 980px) {
  .cards-grid,
  .tier-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

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

@media (max-width: 760px) {
  .nav-wrap {
    min-height: 78px;
  }

  .brand-logo {
    width: clamp(132px, 42vw, 180px);
    max-height: 56px;
  }

  .menu-toggle {
    display: inline-flex;
  }

  .main-nav {
    position: absolute;
    left: 4%;
    right: 4%;
    top: 75px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    box-shadow: var(--shadow);
    padding: 0.7rem;
    display: none;
    flex-direction: column;
    align-items: flex-start;
  }

  .main-nav.open {
    display: flex;
  }

  .cards-grid,
  .tier-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 5.4rem;
  }
}