:root{
 --o:#e8600a; --od:#c24f08; --ol:#fff2ea; --o2:#fde6d6;
 --n:#072f3c; --nl:#0d4a5e; --n2:#166278;
 --w:#fff; --og:#f7f9fa; --bd:#e3e9ec; --tx:#152a32; --mu:#5f7480;
 --mx:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,-apple-system,sans-serif;color:var(--tx);background:var(--w);line-height:1.65;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--mx);margin:0 auto;padding:0 24px}

/* review banner */
.rv{background:#fffbe8;border-bottom:2px solid #f0c040;padding:9px 24px;text-align:center;font-size:12.5px;color:#7a5c00;font-weight:500}

/* nav */
nav{background:var(--w);border-bottom:1px solid var(--bd);position:sticky;top:0;z-index:200;box-shadow:0 1px 10px rgba(7,47,60,.05)}
.nvi{display:flex;align-items:center;justify-content:space-between;height:80px}
.lg img{height:48px;display:block}
.nl{display:flex;gap:4px;align-items:center}
.nl>li{list-style:none;position:relative}
.nl>li>a{display:block;font-size:14px;font-weight:500;color:var(--n);text-decoration:none;padding:29px 14px;border-bottom:3px solid transparent;transition:.15s;white-space:nowrap}
.nl>li>a:hover,.nl>li>a.on{color:var(--o);border-bottom-color:var(--o)}
.nl>li>a .car{font-size:9px;margin-left:5px;opacity:.6}
.dd{position:absolute;top:100%;left:0;background:var(--w);border:1px solid var(--bd);border-radius:10px;box-shadow:0 14px 42px rgba(7,47,60,.14);min-width:280px;padding:10px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:.18s;z-index:300}
.nl>li:hover .dd{opacity:1;visibility:visible;transform:translateY(0)}
.dd a{display:flex;align-items:center;gap:11px;padding:10px 12px;border-radius:7px;font-size:13.5px;color:var(--tx);text-decoration:none;transition:.12s}
.dd a:hover{background:var(--ol);color:var(--od)}
.dd a .di{width:26px;height:26px;background:var(--ol);border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.dd a:hover .di{background:var(--w)}
.dd .dsep{height:1px;background:var(--bd);margin:7px 12px}
.dd .dh{font-size:10.5px;font-weight:700;letter-spacing:1.3px;text-transform:uppercase;color:var(--mu);padding:8px 12px 5px}

/* buttons */
.btn{background:var(--o);color:var(--w);border:none;padding:12px 24px;border-radius:7px;font-size:13.5px;font-weight:600;cursor:pointer;text-decoration:none;display:inline-block;font-family:inherit;transition:.15s}
.btn:hover{background:var(--od);transform:translateY(-1px)}
.btn-o{background:transparent;color:var(--o);border:2px solid var(--o);padding:11px 23px;border-radius:7px;font-size:13.5px;font-weight:600;text-decoration:none;display:inline-block;transition:.15s}
.btn-o:hover{background:var(--o);color:var(--w)}
.btn-gh{background:transparent;color:var(--w);border:2px solid rgba(255,255,255,.4);padding:11px 23px;border-radius:7px;font-size:13.5px;font-weight:600;text-decoration:none;display:inline-block;transition:.15s}
.btn-gh:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-w{background:var(--w);color:var(--o);border:none;padding:13px 27px;border-radius:7px;font-size:14px;font-weight:700;text-decoration:none;display:inline-block;transition:.15s}
.btn-w:hover{transform:translateY(-1px);box-shadow:0 8px 20px rgba(0,0,0,.14)}

/* typography */
section{padding:72px 0}
.eb{display:inline-flex;align-items:center;gap:8px;font-size:11.5px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--o);margin-bottom:14px}
.eb::before{content:'';width:22px;height:2px;background:var(--o)}
h1{font-size:2.7rem;font-weight:800;color:var(--n);line-height:1.15;letter-spacing:-.8px}
h2{font-size:1.95rem;font-weight:800;color:var(--n);letter-spacing:-.4px;margin-bottom:14px;line-height:1.25}
h3{font-size:1.05rem;font-weight:700;color:var(--n);margin-bottom:8px}
h4{font-size:.95rem;font-weight:700;color:var(--n);margin-bottom:6px}
.sub{font-size:1.02rem;color:var(--mu);max-width:640px}
.ctr{text-align:center}.ctr .sub{margin:0 auto}.ctr .eb{justify-content:center}

/* hero */
.hero{background:linear-gradient(135deg,#072f3c 0%,#0d4a5e 55%,#166278 100%);padding:76px 0 68px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-120px;right:-110px;width:440px;height:440px;border-radius:50%;background:rgba(232,96,10,.08)}
.hero::after{content:'';position:absolute;bottom:-90px;left:-70px;width:280px;height:280px;border-radius:50%;background:rgba(255,255,255,.03)}
.hg{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:center;position:relative;z-index:2}
.hero h1{color:var(--w);margin-bottom:20px}
.hero h1 em{color:var(--o);font-style:normal}
.hero p{font-size:1.04rem;color:rgba(255,255,255,.74);margin-bottom:30px;max-width:510px}
.hcta{display:flex;gap:13px;flex-wrap:wrap;margin-bottom:38px}
.hst{display:flex;gap:34px;flex-wrap:wrap;padding-top:28px;border-top:1px solid rgba(255,255,255,.14)}
.hst .v{display:block;font-size:2.1rem;font-weight:800;color:var(--o);line-height:1.1;letter-spacing:-1px}
.hst .l{display:block;font-size:11px;color:rgba(255,255,255,.58);text-transform:uppercase;letter-spacing:.8px;margin-top:4px}

/* page header */
.ph{background:var(--og);border-bottom:1px solid var(--bd);padding:52px 0;position:relative;overflow:hidden}
.ph::after{content:'';position:absolute;top:0;right:0;width:300px;height:100%;background:repeating-linear-gradient(45deg,transparent,transparent 14px,rgba(232,96,10,.03) 14px,rgba(232,96,10,.03) 15px)}
.ph .wrap{position:relative;z-index:2}
.ph h1{font-size:2.15rem}
.bc{font-size:12px;color:var(--mu);margin-bottom:16px}
.bc a{color:var(--mu);text-decoration:none}.bc a:hover{color:var(--o)}

/* form */
.fc{background:var(--w);border-radius:14px;padding:32px;box-shadow:0 20px 60px rgba(0,0,0,.28)}
.fc.lt{box-shadow:0 10px 34px rgba(7,47,60,.1);border:1px solid var(--bd)}
.fc h4{font-size:16px;margin-bottom:5px}
.fc .fs{font-size:12.5px;color:var(--mu);margin-bottom:22px}
.fg{margin-bottom:14px}
.fg label{display:block;font-size:12px;font-weight:500;color:var(--n);margin-bottom:5px}
.fg input,.fg select,.fg textarea{width:100%;border:1.5px solid var(--bd);border-radius:7px;padding:11px 13px;font-size:13px;font-family:inherit;color:var(--tx);outline:none;background:var(--w);transition:.15s}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--o);box-shadow:0 0 0 3px rgba(232,96,10,.1)}
.fr{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fsub{width:100%;background:var(--o);color:var(--w);border:none;border-radius:7px;padding:14px;font-size:14px;font-weight:700;cursor:pointer;margin-top:6px;font-family:inherit;transition:.15s}
.fsub:hover{background:var(--od)}
.fn{font-size:11px;color:var(--mu);text-align:center;margin-top:11px;line-height:1.55}

/* trust bar */
.tb{background:var(--w);border-bottom:1px solid var(--bd);padding:18px 0}
.tbi{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.ti{display:flex;align-items:center;gap:10px;font-size:12.5px;font-weight:500;color:var(--n)}
.tic{width:32px;height:32px;background:var(--ol);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}

/* grids + cards */
.g2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.cd{background:var(--w);border:1px solid var(--bd);border-radius:14px;padding:28px;border-top:4px solid var(--o);transition:.2s}
.cd:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(7,47,60,.11)}
.cd p{font-size:13.5px;color:var(--mu)}
.ci{width:48px;height:48px;background:var(--ol);border-radius:11px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.cd-p{background:var(--og);border:1px solid var(--bd);border-radius:12px;padding:22px;transition:.2s}
.cd-p:hover{border-color:var(--o);background:var(--w);box-shadow:0 8px 24px rgba(7,47,60,.08)}

/* stat callouts */
.stg{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:38px}
.stc{text-align:center;padding:26px 16px;background:var(--og);border-radius:12px;border:1px solid var(--bd)}
.stc .n{display:block;font-size:2.4rem;font-weight:800;color:var(--o);line-height:1;letter-spacing:-1.5px;margin-bottom:8px}
.stc .t{font-size:12.5px;color:var(--mu);font-weight:500}
.big{font-size:2.6rem;font-weight:800;color:var(--o);line-height:1.05;letter-spacing:-1.5px;display:block}
.bigl{font-size:12px;color:var(--mu);text-transform:uppercase;letter-spacing:.9px;font-weight:500}

/* product category blocks */
.pc{background:var(--w);border:1px solid var(--bd);border-radius:14px;overflow:hidden;margin-bottom:22px;transition:.2s}
.pc:hover{box-shadow:0 12px 30px rgba(7,47,60,.09)}
.pch{background:var(--n);padding:17px 24px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.pchl{display:flex;align-items:center;gap:13px}
.pch h3{color:var(--w);margin:0;font-size:15.5px}
.pch .cnt{font-size:11.5px;color:rgba(255,255,255,.55);background:rgba(255,255,255,.1);padding:3px 11px;border-radius:20px}
.pcb{padding:22px 24px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.pi{background:var(--og);border:1px solid var(--bd);border-radius:8px;padding:12px 14px;font-size:12.5px;color:var(--tx);text-decoration:none;transition:.15s;display:flex;align-items:center;gap:9px}
.pi:hover{border-color:var(--o);background:var(--ol);color:var(--od)}
.pi::before{content:'▸';color:var(--o);font-weight:700;flex-shrink:0;font-size:11px}

/* steps */
.st{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:46px;position:relative}
.st::before{content:'';position:absolute;top:28px;left:12%;right:12%;height:2px;background:repeating-linear-gradient(90deg,var(--o) 0,var(--o) 6px,transparent 6px,transparent 14px)}
.sti{text-align:center;position:relative;z-index:2}
.stn{width:56px;height:56px;border-radius:50%;background:var(--o);color:var(--w);font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:0 5px 16px rgba(232,96,10,.3);border:4px solid var(--w)}
.sti p{font-size:12.5px;color:var(--mu)}

/* dark section */
.dk{background:var(--n);color:var(--w);position:relative;overflow:hidden}
.dk::before{content:'';position:absolute;top:-80px;left:-80px;width:320px;height:320px;border-radius:50%;background:rgba(232,96,10,.06)}
.dk .wrap{position:relative;z-index:2}
.dk h2,.dk h3{color:var(--w)}
.dk .sub,.dk p{color:rgba(255,255,255,.68)}
.wl{display:flex;flex-direction:column;gap:16px;margin-top:10px}
.wi{display:flex;gap:14px;align-items:flex-start}
.wd{width:9px;height:9px;border-radius:50%;background:var(--o);flex-shrink:0;margin-top:8px}
.wi strong{display:block;font-size:14.5px;color:var(--w);margin-bottom:3px;font-weight:600}
.wi span{font-size:13px;color:rgba(255,255,255,.64)}

/* dashboard mock */
.dsh{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.11);border-radius:16px;padding:26px}
.dsr{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:10px;padding:15px;display:flex;align-items:center;justify-content:space-between;margin-bottom:11px}
.dsr .l{font-size:11.5px;color:rgba(255,255,255,.58);margin-bottom:3px}
.dsr .v{font-size:13.5px;font-weight:700;color:#fff}
.pill{font-size:10.5px;font-weight:600;padding:4px 11px;border-radius:20px;white-space:nowrap}
.pg{background:rgba(26,122,60,.25);color:#6fcf8c}
.pa{background:rgba(232,96,10,.25);color:#ffab78}

/* insurers */
.ins{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:32px}
.inl{background:var(--og);border:1px solid var(--bd);border-radius:9px;padding:12px 22px;font-size:12px;font-weight:600;color:var(--mu);transition:.15s}
.inl:hover{border-color:var(--o);color:var(--od)}

/* faq */
.fqg{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:38px}
.fq{background:var(--w);border:1px solid var(--bd);border-left:4px solid var(--o);border-radius:0 10px 10px 0;padding:20px 24px}
.fq h4{font-size:14px;margin-bottom:7px}
.fq p{font-size:13px;color:var(--mu)}

/* cta band */
.cb{background:var(--o);padding:56px 0;position:relative;overflow:hidden}
.cb::after{content:'';position:absolute;top:-60px;right:-40px;width:260px;height:260px;border-radius:50%;background:rgba(255,255,255,.07)}
.cbi{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;position:relative;z-index:2}
.cb h2{color:var(--w);max-width:580px;margin:0}

/* footer */
footer{background:var(--n);padding:56px 0 26px}
.ft{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:38px;margin-bottom:38px}
.fbr img{height:44px;margin-bottom:16px;filter:brightness(0) invert(1)}
.fbr p{font-size:12.5px;color:rgba(255,255,255,.55);max-width:300px;margin-bottom:18px}
.fcl h5{font-size:12px;font-weight:700;color:var(--w);margin-bottom:15px;text-transform:uppercase;letter-spacing:1.1px}
.fcl a{display:block;font-size:12.5px;color:rgba(255,255,255,.55);text-decoration:none;margin-bottom:9px;transition:.12s}
.fcl a:hover{color:var(--o)}
.fdv{height:1px;background:rgba(255,255,255,.1);margin-bottom:22px}
.fbt{font-size:11px;color:rgba(255,255,255,.36);line-height:1.75}

/* misc */
.imgn{background:var(--og);border:2px dashed var(--bd);border-radius:12px;padding:30px;text-align:center;font-size:12px;color:var(--mu);font-style:italic}
.qt{border-left:4px solid var(--o);padding:4px 0 4px 22px;margin:26px 0}
.qt p{font-size:1.15rem;color:var(--n);font-weight:500;line-height:1.5}
.box{background:var(--og);border:1px solid var(--bd);border-radius:14px;padding:28px}
.tag{display:inline-block;background:var(--ol);color:var(--od);font-size:11px;font-weight:600;padding:4px 12px;border-radius:20px;letter-spacing:.4px}

@media(max-width:960px){
 .hg,.g2,.fqg{grid-template-columns:1fr}
 .g3,.g4,.pcb,.st,.ft,.stg{grid-template-columns:1fr}
 .nl{display:none}
 .st::before{display:none}
 h1{font-size:2rem}h2{font-size:1.6rem}
}