:root {
  --ink: #10263f;
  --ink-soft: #526777;
  --navy: #0f2742;
  --blue: #2563eb;
  --sky: #38bdf8;
  --paper: #f7fafc;
  --line: #d6e1e9;
  --white: #ffffff;
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-synthesis: none;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { background: var(--paper); margin: 0; }
a { color: var(--blue); }
a:hover { color: #17365d; }
.shell { margin: 0 auto; max-width: 1180px; padding: 0 1.5rem; }
.site-header { background: rgba(15, 39, 66, .97); color: white; position: sticky; top: 0; z-index: 5; }
.header-row { align-items: center; display: flex; gap: 2rem; justify-content: space-between; min-height: 78px; }
.brand { align-items: center; color: white; display: flex; font-size: 1.2rem; font-weight: 850; gap: .7rem; letter-spacing: -.025em; text-decoration: none; }
.brand img { height: 46px; width: 46px; }
.site-nav { align-items: center; display: flex; flex-wrap: wrap; gap: .4rem 1.1rem; }
.site-nav a { color: #d9eaf7; font-size: .93rem; font-weight: 700; text-decoration: none; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: white; }
.nav-contact { border: 1px solid rgba(255,255,255,.36); border-radius: 999px; padding: .45rem .8rem; }
.hero {
  background:
    radial-gradient(circle at 80% 18%, rgba(56, 189, 248, .3), transparent 26rem),
    linear-gradient(145deg, #0f2742 0%, #17365d 58%, #10263f 100%);
  color: white;
  overflow: hidden;
  padding: 6rem 0 5.5rem;
}
.hero-grid { align-items: center; display: grid; gap: 4rem; grid-template-columns: minmax(0, 1.18fr) minmax(18rem, .82fr); }
.eyebrow { color: #78d7ff; font-size: .78rem; font-weight: 850; letter-spacing: .14em; margin: 0 0 1rem; text-transform: uppercase; }
h1, h2, h3 { letter-spacing: -.035em; line-height: 1.08; }
h1 { font-size: clamp(2.7rem, 7vw, 5.35rem); margin: 0; max-width: 13ch; }
.hero-copy { color: #d9eaf7; font-size: clamp(1.08rem, 2vw, 1.28rem); line-height: 1.6; max-width: 42rem; }
.button-row { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 2rem; }
.button { background: var(--sky); border-radius: 999px; color: #082338; display: inline-block; font-weight: 850; padding: .82rem 1.15rem; text-decoration: none; }
.button:hover { background: white; color: var(--navy); }
.button.secondary { background: transparent; border: 1px solid rgba(255,255,255,.45); color: white; }
.roster-card { background: rgba(255,255,255,.97); border: 1px solid rgba(255,255,255,.55); border-radius: 20px; box-shadow: 0 28px 80px rgba(3, 15, 28, .3); color: var(--ink); padding: 1.35rem; transform: rotate(1.5deg); }
.roster-card-header { align-items: center; border-bottom: 1px solid var(--line); display: flex; justify-content: space-between; padding-bottom: 1rem; }
.mini-logo { height: 42px; width: 42px; }
.roster-status { background: #d5f5e3; border-radius: 999px; color: #196f3d; font-size: .76rem; font-weight: 800; padding: .28rem .55rem; }
.roster-grid { display: grid; gap: .5rem; grid-template-columns: repeat(3, 1fr); margin-top: 1rem; }
.roster-cell { background: #edf6fc; border-radius: 8px; min-height: 58px; padding: .55rem; }
.roster-cell strong { display: block; font-size: .78rem; }
.roster-cell span { color: var(--ink-soft); font-size: .7rem; }
.section { padding: 5rem 0; }
.section.white { background: white; }
.section-heading { margin-bottom: 2.5rem; max-width: 46rem; }
.section-heading h2 { font-size: clamp(2rem, 4vw, 3.2rem); margin: 0 0 1rem; }
.section-heading p, .lede { color: var(--ink-soft); font-size: 1.08rem; line-height: 1.65; }
.feature-grid { display: grid; gap: 1rem; grid-template-columns: repeat(3, 1fr); }
.feature { background: white; border: 1px solid var(--line); border-radius: 14px; padding: 1.5rem; }
.feature-mark { background: #dff4fd; border-radius: 9px; color: #135d80; display: grid; font-weight: 900; height: 2.4rem; place-items: center; width: 2.4rem; }
.feature h3 { font-size: 1.25rem; margin: 1.2rem 0 .65rem; }
.feature p { color: var(--ink-soft); line-height: 1.55; margin-bottom: 0; }
.statement { align-items: center; background: var(--navy); border-radius: 20px; color: white; display: grid; gap: 2rem; grid-template-columns: 1fr auto; padding: 2.2rem; }
.statement h2 { font-size: clamp(1.7rem, 4vw, 2.6rem); margin: 0 0 .55rem; }
.statement p { color: #d9eaf7; line-height: 1.55; margin: 0; max-width: 43rem; }
.page-hero { background: linear-gradient(140deg, #0f2742, #17365d); color: white; padding: 4.5rem 0 3.6rem; }
.page-hero h1 { font-size: clamp(2.6rem, 6vw, 4.3rem); max-width: none; }
.page-hero p { color: #d9eaf7; font-size: 1.15rem; line-height: 1.6; max-width: 48rem; }
.document { background: white; border: 1px solid var(--line); border-radius: 16px; margin: 3rem auto 5rem; max-width: 860px; padding: clamp(1.5rem, 5vw, 3.5rem); }
.document h2 { font-size: 1.65rem; margin: 2.4rem 0 .8rem; }
.document h2:first-of-type { margin-top: 1.4rem; }
.document p, .document li { color: #334b5f; line-height: 1.7; }
.policy-date { color: #6a7f8f !important; font-size: .88rem; font-weight: 750; margin: 0 0 1.4rem; text-transform: uppercase; }
.contract-note { background: #fff8df; border: 1px solid #ead58a; border-radius: 10px; color: #6d5708 !important; padding: 1rem 1.1rem; }
.assurance-document h2 { scroll-margin-top: 6rem; }
.assurance-note { background: #eaf7fd; border: 1px solid #9edcf3; border-radius: 10px; color: #164b63 !important; padding: 1rem 1.1rem; }
.fact-list { padding-left: 1.3rem; }
.fact-list li + li { margin-top: .6rem; }
.contact-card { background: #edf6fc; border-radius: 14px; margin-top: 2rem; padding: 1.5rem; }
.site-footer { background: #091b2d; color: #aec3d3; padding: 2.5rem 0; }
.footer-row { align-items: center; display: flex; gap: 2rem; justify-content: space-between; }
.footer-row p { margin: 0; }
.footer-links { display: flex; flex-wrap: wrap; gap: 1rem; }
.footer-links a { color: #d9eaf7; font-size: .9rem; }

@media (max-width: 820px) {
  .header-row { align-items: flex-start; flex-direction: column; padding: .9rem 0; }
  .site-header { position: static; }
  .hero { padding: 4rem 0; }
  .hero-grid, .statement { grid-template-columns: 1fr; }
  .roster-card { transform: none; }
  .feature-grid { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .shell { padding: 0 1rem; }
  .roster-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-row { align-items: flex-start; flex-direction: column; }
}

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