:root {
  --gold: #d8ad49;
  --gold-dark: #b88f32;
  --ink: #171717;
  --muted: #727272;
  --line: #e7e1d8;
  --paper: #fbfaf8;
  --soft: #f4f1ec;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(31, 26, 17, 0.08);
  color-scheme: light;
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
}

a {
  color: inherit;
  text-decoration: none;
}

.topbar {
  align-items: center;
  display: flex;
  height: 54px;
  justify-content: flex-end;
  padding: 0 24px;
  position: absolute;
  width: 100%;
  z-index: 2;
}

.login-link {
  align-items: center;
  border: 1px solid var(--gold);
  border-radius: 7px;
  color: var(--gold-dark);
  display: inline-flex;
  font-size: 12px;
  font-weight: 700;
  gap: 8px;
  min-height: 30px;
  padding: 0 16px;
}

.hero {
  align-items: center;
  background:
    radial-gradient(circle at 50% 0%, rgba(216, 173, 73, 0.12), transparent 34%),
    linear-gradient(180deg, #ffffff 0%, #ffffff 78%, var(--paper) 100%);
  display: flex;
  flex-direction: column;
  min-height: 720px;
  padding: 86px 24px 80px;
  text-align: center;
}

.brand {
  align-items: center;
  display: inline-flex;
  gap: 12px;
  margin-bottom: 35px;
  text-align: left;
}

.brand-mark {
  align-items: center;
  border: 4px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  display: inline-flex;
  font-size: 34px;
  font-weight: 900;
  height: 66px;
  justify-content: center;
  line-height: 1;
  position: relative;
  width: 66px;
}

.brand-mark::after {
  border: 2px solid rgba(216, 173, 73, 0.55);
  border-radius: 50%;
  content: "";
  inset: 5px;
  position: absolute;
}

.brand strong {
  display: block;
  font-size: 18px;
  letter-spacing: 0;
  line-height: 1.05;
}

.pill {
  align-items: center;
  background: #f7f0e2;
  border: 1px solid #eadbbd;
  border-radius: 999px;
  color: #8a703e;
  display: inline-flex;
  font-size: 12px;
  font-weight: 800;
  gap: 8px;
  margin-bottom: 28px;
  padding: 9px 16px;
}

.hero h1 {
  font-size: clamp(42px, 6.2vw, 72px);
  letter-spacing: 0;
  line-height: 0.98;
  margin: 0;
  max-width: 820px;
}

.hero h1 span {
  color: var(--gold);
  display: block;
}

.hero-copy {
  color: var(--muted);
  font-size: 16px;
  line-height: 1.55;
  margin: 30px auto 0;
  max-width: 620px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  margin-top: 34px;
}

.button {
  align-items: center;
  border-radius: 7px;
  display: inline-flex;
  font-size: 13px;
  font-weight: 800;
  justify-content: center;
  min-height: 42px;
  padding: 0 24px;
}

.button-primary {
  background: var(--gold);
  color: white;
  box-shadow: 0 12px 28px rgba(216, 173, 73, 0.26);
}

.button-secondary {
  background: white;
  border: 1px solid var(--line);
}

.trust-row {
  display: grid;
  gap: 72px;
  grid-template-columns: repeat(3, minmax(120px, 1fr));
  margin-top: 84px;
  max-width: 720px;
  width: 100%;
}

.trust-row article {
  min-width: 0;
}

.trust-icon {
  align-items: center;
  background: #fbf4e8;
  border-radius: 50%;
  color: var(--gold);
  display: inline-flex;
  height: 38px;
  justify-content: center;
  margin-bottom: 14px;
  width: 38px;
}

.trust-row h2 {
  font-size: 13px;
  margin: 0 0 8px;
}

.trust-row p {
  color: #8b8b8b;
  font-size: 11px;
  line-height: 1.4;
  margin: 0;
}

.quote-section {
  background: var(--paper);
  padding: 78px 24px 86px;
}

.section-heading {
  text-align: center;
}

.section-heading h2,
.team-section h2 {
  color: var(--gold);
  font-size: 32px;
  line-height: 1.1;
  margin: 0;
}

.section-heading p {
  color: #8a8a8a;
  margin: 16px 0 0;
}

.segment {
  background: white;
  border: 1px solid var(--line);
  border-radius: 7px;
  display: flex;
  margin: 36px auto;
  padding: 3px;
  width: fit-content;
}

.segment-button {
  align-items: center;
  background: transparent;
  border: 0;
  border-radius: 5px;
  color: #4b4b4b;
  cursor: pointer;
  display: inline-flex;
  font: inherit;
  font-size: 12px;
  font-weight: 800;
  gap: 8px;
  min-height: 34px;
  padding: 0 34px;
}

.segment-button.active {
  background: #f8f8f8;
  box-shadow: inset 0 0 0 1px #ececec;
  color: var(--ink);
}

.insurance-grid {
  display: grid;
  gap: 20px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin: 0 auto;
  max-width: 960px;
}

.quote-empty {
  color: #8a8a8a;
  font-size: 13px;
  font-weight: 700;
  margin: 34px 0 0;
  text-align: center;
}

.insurance-card {
  background: white;
  border: 1px solid #dcdcdc;
  border-radius: 8px;
  box-shadow: 0 8px 24px rgba(21, 21, 21, 0.04);
  display: flex;
  flex-direction: column;
  isolation: isolate;
  min-height: 146px;
  overflow: hidden;
  padding: 26px 22px 20px;
  position: relative;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    border-color 180ms ease;
}

.insurance-card[hidden] {
  display: none;
}

.insurance-card:hover {
  border-color: rgba(216, 173, 73, 0.62);
  box-shadow: 0 18px 40px rgba(21, 21, 21, 0.1);
  transform: translateY(-3px);
}

.insurance-card img {
  height: 100%;
  inset: 0;
  object-fit: cover;
  opacity: 0.22;
  position: absolute;
  width: 100%;
  z-index: -2;
}

.insurance-card::after {
  background: linear-gradient(90deg, rgba(255, 255, 255, 0.94), rgba(255, 255, 255, 0.68));
  content: "";
  inset: 0;
  position: absolute;
  z-index: -1;
}

.card-icon {
  align-items: center;
  background: #fff7e8;
  border-radius: 50%;
  color: var(--gold);
  display: inline-flex;
  font-size: 15px;
  height: 32px;
  justify-content: center;
  margin-bottom: 17px;
  width: 32px;
}

.badge {
  background: #f8edcf;
  border-radius: 999px;
  color: var(--gold-dark);
  font-size: 10px;
  font-weight: 800;
  padding: 5px 8px;
  position: absolute;
  right: 18px;
  top: 18px;
}

.insurance-card h3 {
  font-size: 16px;
  line-height: 1.2;
  margin: auto 0 8px;
}

.insurance-card p {
  color: #747474;
  font-size: 12px;
  line-height: 1.35;
  margin: 0 0 17px;
}

.insurance-card strong {
  color: var(--gold);
  font-size: 11px;
}

.about-section {
  align-items: start;
  background: #fff;
  display: grid;
  gap: 54px;
  grid-template-columns: minmax(0, 1fr) 420px;
  margin: 0 auto;
  max-width: 1040px;
  padding: 82px 24px;
}

.about-copy h2 {
  font-size: 34px;
  line-height: 1.08;
  margin: 0 0 22px;
}

.about-copy h2 span,
.team-section span {
  color: var(--gold);
}

.about-copy p,
.check-list,
.info-panel,
.advice-panel,
.team-card p,
.site-footer {
  color: #6c6c6c;
  font-size: 14px;
  line-height: 1.62;
}

.about-copy h3 {
  color: var(--gold);
  font-size: 15px;
  margin: 28px 0 14px;
}

.check-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.check-list li {
  margin: 9px 0;
  padding-left: 24px;
  position: relative;
}

.check-list li::before {
  color: var(--gold);
  content: "✓";
  font-weight: 900;
  left: 0;
  position: absolute;
}

.note {
  font-style: italic;
}

.contact-stack {
  display: grid;
  gap: 16px;
}

.info-panel,
.advice-panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
  padding: 24px;
}

.info-panel h3,
.advice-panel h3 {
  color: var(--gold);
  font-size: 15px;
  margin: 0 0 18px;
}

.info-panel dl {
  display: grid;
  gap: 18px;
  margin: 0;
}

.info-panel dl div {
  padding-left: 42px;
  position: relative;
}

.info-panel dl div::before {
  align-items: center;
  background: #fff7e8;
  border-radius: 50%;
  color: var(--gold);
  content: "⌖";
  display: flex;
  height: 30px;
  justify-content: center;
  left: 0;
  position: absolute;
  top: 2px;
  width: 30px;
}

.info-panel dt {
  color: #969696;
  font-size: 11px;
  font-weight: 800;
}

.info-panel dd {
  color: var(--ink);
  font-weight: 700;
  margin: 2px 0 0;
}

.advice-panel {
  background: #fffbf3;
  box-shadow: none;
}

.advice-panel h3 {
  color: var(--ink);
  font-size: 16px;
  margin-bottom: 8px;
}

.advice-panel p {
  margin: 0;
}

.team-section {
  background: #fff;
  border-top: 1px solid #f1eee9;
  padding: 76px 24px 86px;
  text-align: center;
}

.team-section h2 {
  color: var(--ink);
  margin-bottom: 42px;
}

.team-grid {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin: 0 auto;
  max-width: 680px;
}

.team-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
  padding: 36px 28px 30px;
}

.team-card img {
  border: 4px solid #f0eee9;
  border-radius: 50%;
  height: 94px;
  object-fit: cover;
  width: 94px;
}

.team-card h3 {
  font-size: 17px;
  margin: 18px 0 14px;
}

.team-card p {
  font-size: 13px;
  margin: 0;
  text-align: left;
}

.legal-topbar {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(255, 255, 255, 0.76));
}

.legal-hero {
  align-items: center;
  background:
    radial-gradient(circle at 50% 0%, rgba(216, 173, 73, 0.14), transparent 38%),
    linear-gradient(180deg, #ffffff 0%, var(--paper) 100%);
  display: flex;
  flex-direction: column;
  padding: 92px 24px 62px;
  text-align: center;
}

.legal-hero .brand {
  margin-bottom: 32px;
}

.legal-hero h1 {
  font-size: clamp(40px, 5.5vw, 62px);
  line-height: 1;
  margin: 0;
}

.legal-hero p {
  color: var(--muted);
  font-size: 16px;
  line-height: 1.55;
  margin: 22px auto 0;
  max-width: 650px;
}

.legal-section {
  background: var(--paper);
  display: grid;
  gap: 24px;
  padding: 0 24px 86px;
}

.legal-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
  margin: 0 auto;
  max-width: 1040px;
  padding: 34px;
  width: 100%;
}

.legal-kicker {
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  margin: 0 0 10px;
  text-transform: uppercase;
}

.legal-card h2 {
  font-size: 28px;
  line-height: 1.15;
  margin: 0 0 22px;
}

.legal-card h3 {
  color: var(--gold-dark);
  font-size: 17px;
  margin: 28px 0 10px;
}

.legal-card p,
.legal-card li,
.legal-details {
  color: #646464;
  font-size: 14px;
  line-height: 1.72;
}

.legal-card p {
  margin: 0;
}

.legal-card a {
  color: var(--gold-dark);
  font-weight: 800;
}

.legal-details {
  display: grid;
  gap: 12px 22px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin: 0;
}

.legal-details div {
  background: #fbfaf8;
  border: 1px solid #f0ebe3;
  border-radius: 8px;
  padding: 14px 16px;
}

.legal-details dt {
  color: #8a8a8a;
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
}

.legal-details dd {
  color: var(--ink);
  font-weight: 800;
  margin: 4px 0 0;
}

.legal-list {
  margin: 0;
  padding-left: 20px;
}

.form-header {
  align-items: center;
  background: #fff;
  display: flex;
  min-height: 86px;
  padding: 0 34px;
}

.back-link {
  align-items: center;
  color: var(--ink);
  display: inline-flex;
  font-weight: 700;
  gap: 14px;
}

.form-main {
  background: #fff;
  padding: 0 34px 54px;
}

.quote-form-card {
  border: 1px solid #dedede;
  border-radius: 12px;
  box-shadow: 0 10px 34px rgba(20, 20, 20, 0.05);
  margin: 0 auto;
  max-width: 1100px;
  padding: 36px 32px 30px;
}

.form-heading {
  margin-bottom: 30px;
}

.form-heading p {
  color: var(--gold-dark);
  font-size: 12px;
  font-weight: 900;
  margin: 0 0 8px;
  text-transform: uppercase;
}

.form-heading h1 {
  font-size: 30px;
  line-height: 1.15;
  margin: 0 0 10px;
}

.form-heading span {
  color: var(--muted);
  display: block;
  font-size: 16px;
}

.quote-form {
  display: grid;
  gap: 28px;
}

.form-fieldset {
  border: 1px solid #dedede;
  border-radius: 12px;
  padding: 26px 22px 22px;
}

.form-fieldset h2 {
  font-size: 20px;
  line-height: 1.2;
  margin: 0 0 24px;
}

.form-grid {
  display: grid;
  gap: 22px 20px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.form-grid label,
.consent-row {
  color: var(--ink);
  display: grid;
  font-size: 15px;
  font-weight: 700;
  gap: 10px;
}

.span-2 {
  grid-column: span 2;
}

.form-grid input,
.form-grid select,
.form-grid textarea {
  background: #fff;
  border: 1px solid #d9d9d9;
  border-radius: 10px;
  color: var(--ink);
  font: inherit;
  min-height: 48px;
  padding: 0 16px;
}

.form-grid textarea {
  padding-bottom: 14px;
  padding-top: 14px;
  resize: vertical;
}

.option-row {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
}

.option-row label,
.consent-row {
  align-items: center;
  display: flex;
}

.option-row input,
.consent-row input {
  accent-color: var(--gold);
  height: 18px;
  width: 18px;
}

.consent-row {
  color: #5f5f5f;
  font-size: 14px;
  font-weight: 600;
  gap: 10px;
}

.submit-button {
  background: var(--gold);
  border: 0;
  border-radius: 10px;
  color: white;
  cursor: pointer;
  font: inherit;
  font-weight: 900;
  min-height: 48px;
}

.submit-button:disabled {
  cursor: wait;
  opacity: 0.7;
}

.form-status {
  border-radius: 10px;
  color: #6c6c6c;
  font-size: 14px;
  font-weight: 800;
  margin: 0;
  min-height: 22px;
  text-align: center;
}

.form-status.success {
  background: #eef8f0;
  color: #28743a;
  padding: 14px;
}

.form-status.error {
  background: #fff0ee;
  color: #9f2c21;
  padding: 14px;
}

.site-footer {
  background: #111;
  color: #b7b7b7;
  padding: 56px 24px 24px;
}

.footer-grid,
.footer-bottom {
  margin: 0 auto;
  max-width: 1040px;
}

.footer-grid {
  display: grid;
  gap: 80px;
  grid-template-columns: 1.4fr 1fr 1fr;
  padding-bottom: 42px;
}

.site-footer h2 {
  color: var(--gold);
  font-size: 15px;
  margin: 0 0 20px;
}

.site-footer p {
  margin: 0;
}

.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-footer li {
  margin-bottom: 9px;
}

.footer-links a:hover {
  color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid #2a2a2a;
  display: flex;
  gap: 24px;
  justify-content: space-between;
  padding-top: 22px;
}

.footer-bottom nav {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
}

@media (max-width: 860px) {
  .hero {
    min-height: auto;
    padding-top: 76px;
  }

  .brand {
    margin-bottom: 28px;
  }

  .trust-row,
  .insurance-grid,
  .about-section,
  .team-grid,
  .footer-grid,
  .legal-details {
    grid-template-columns: 1fr;
  }

  .trust-row {
    gap: 26px;
    max-width: 360px;
  }

  .about-section {
    gap: 34px;
  }

  .footer-grid {
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (max-width: 560px) {
  .topbar {
    justify-content: center;
    position: static;
    padding-top: 14px;
  }

  .hero {
    padding: 34px 18px 62px;
  }

  .hero h1 {
    font-size: 42px;
  }

  .hero-actions,
  .segment {
    width: 100%;
  }

  .button,
  .segment-button {
    flex: 1;
  }

  .segment-button {
    justify-content: center;
    padding: 0 16px;
  }

  .quote-section,
  .about-section,
  .legal-hero,
  .legal-section,
  .form-main,
  .team-section,
  .site-footer {
    padding-left: 18px;
    padding-right: 18px;
  }

  .legal-card {
    padding: 26px 20px;
  }

  .form-header {
    min-height: 74px;
    padding: 0 18px;
  }

  .quote-form-card {
    padding: 28px 18px 24px;
  }

  .form-grid,
  .span-2 {
    grid-column: auto;
    grid-template-columns: 1fr;
  }
}