:root{
  --navy:#0b1f3a;
  --navy-2:#132c54;
  --navy-3:#1c3f73;
  --blue:#2f5fa3;
  --blue-light:#5b85c4;
  --paper:#f7f9fc;
  --paper-2:#eef2f8;
  --line:#dde4ef;
  --ink:#0f1c33;
  --muted:#54617a;
  --white:#ffffff;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3{font-family:'Cormorant Garamond',Georgia,'Times New Roman',serif;letter-spacing:.2px;}
img{max-width:100%;display:block;}
a{color:inherit;}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px;}
button{font-family:inherit;}

/* PLACEHOLDER STYLING - remove once real images/logo are in */
.placeholder{
  position:relative;
  background:repeating-linear-gradient(135deg,#e7ecf4,#e7ecf4 10px,#eef2f8 10px,#eef2f8 20px);
  border:1.5px dashed #aebedb;
  display:flex;align-items:center;justify-content:center;
  color:#3d4d6b;font-size:13.5px;font-weight:600;text-align:center;
  padding:12px;
}
.placeholder span{background:rgba(255,255,255,.9);padding:6px 12px;border-radius:5px;}

/* HEADER */
header{background:var(--white);position:sticky;top:0;z-index:60;border-bottom:1px solid var(--line);}
.topline{background:var(--navy);color:#c3d2ea;font-size:12.5px;text-align:center;padding:7px 16px;letter-spacing:.4px;}
.topline a{color:#fff;font-weight:600;text-decoration:none;}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1120px;margin:0 auto;}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none;}
.brand .logo-placeholder{width:46px;height:46px;border-radius:4px;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:17px;flex:none;font-family:'Cormorant Garamond',serif;}
.brand-text .name{font-family:'Cormorant Garamond',serif;font-weight:700;font-size:20px;color:var(--navy);letter-spacing:.2px;line-height:1.1;}
.brand-text .tag{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:2px;margin-top:2px;}
nav.links{display:flex;align-items:center;gap:28px;}
nav.links > a{color:var(--ink);text-decoration:none;font-size:14px;font-weight:500;position:relative;padding-bottom:3px;white-space:nowrap;}
nav.links > a:not(.nav-cta)::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1.5px;background:var(--navy);
  transform:scaleX(0);transition:transform .2s ease;}
nav.links > a:not(.nav-cta):hover::after{transform:scaleX(1);}
.nav-cta{background:var(--navy);color:#fff!important;padding:10px 18px;border-radius:3px;font-weight:600!important;font-size:13.5px!important;}
.nav-cta:hover{background:var(--navy-3);}
.menu-btn{display:none;background:none;border:none;color:var(--navy);font-size:26px;cursor:pointer;}

/* Coverage dropdown */
.has-dropdown{position:relative;}
.dropdown-toggle{display:flex;align-items:center;gap:5px;cursor:pointer;background:none;border:none;color:var(--ink);
  font-size:14px;font-weight:500;font-family:inherit;padding:0 0 3px;}
.dropdown-toggle svg{width:11px;height:11px;transition:transform .15s ease;}
.dropdown{
  position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%);
  background:var(--white);border:1px solid var(--line);border-radius:8px;box-shadow:0 20px 40px rgba(11,31,58,.14);
  min-width:260px;padding:8px;opacity:0;visibility:hidden;transform:translateX(-50%) translateY(6px);transition:all .18s ease;
}
.has-dropdown:hover .dropdown,
.has-dropdown.open .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.has-dropdown:hover .dropdown-toggle svg,
.has-dropdown.open .dropdown-toggle svg{transform:rotate(180deg);}
.dropdown a{display:block;padding:10px 14px;border-radius:5px;font-size:13.5px;color:var(--ink);text-decoration:none;}
.dropdown a:hover{background:var(--paper-2);color:var(--navy);}

@media (max-width:860px){
  nav.links{position:fixed;top:96px;left:0;right:0;background:var(--white);flex-direction:column;align-items:flex-start;
    padding:22px 24px;gap:6px;transform:translateY(-130%);transition:transform .25s ease;border-bottom:1px solid var(--line);
    box-shadow:0 12px 24px rgba(11,31,58,.08);max-height:80vh;overflow-y:auto;}
  nav.links.open{transform:translateY(0);}
  nav.links > a{padding:10px 0;width:100%;}
  .menu-btn{display:block;}
  .has-dropdown{width:100%;}
  .dropdown-toggle{width:100%;justify-content:space-between;padding:10px 0;}
  .dropdown{position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;border:none;background:var(--paper);
    display:none;width:100%;margin-bottom:6px;}
  .has-dropdown.open .dropdown{display:block;}
  .has-dropdown:hover .dropdown{display:none;}
  .has-dropdown.open:hover .dropdown{display:block;}
  .nav-cta{margin-top:8px;text-align:center;}
}

/* HERO — home page, big & dynamic */
.hero{position:relative;min-height:88vh;display:flex;align-items:flex-end;color:var(--white);isolation:isolate;padding-bottom:110px;}
.hero .hero-bg{position:absolute;inset:0;z-index:-2;}
.hero .hero-bg.placeholder{border:none;border-radius:0;}
.hero-bg img{width:100%;height:100%;object-fit:cover;display:block;}
.hero .hero-scrim{position:absolute;inset:0;z-index:-1;
  background:linear-gradient(180deg, rgba(11,31,58,.55) 0%, rgba(11,31,58,.35) 35%, rgba(11,31,58,.92) 100%);}
.hero .wrap{position:relative;width:100%;}
.hero-content{max-width:680px;}
.eyebrow{color:#a9c0e6;text-transform:uppercase;letter-spacing:3px;font-size:11.5px;font-weight:600;margin-bottom:18px;}
.hero h1{font-size:clamp(34px,5.2vw,64px);line-height:1.08;margin:0 0 22px;font-weight:600;text-shadow:0 2px 24px rgba(0,0,0,.25);}
.hero p{color:#dbe6f5;font-size:18px;max-width:44ch;margin:0 0 34px;font-weight:400;}
.rule{width:56px;height:2px;background:var(--blue-light);margin-bottom:24px;}
.btn-row{display:flex;gap:16px;flex-wrap:wrap;}
.btn{display:inline-block;padding:15px 30px;border-radius:3px;font-weight:600;text-decoration:none;font-size:14.5px;letter-spacing:.3px;transition:all .2s ease;cursor:pointer;border:none;}
.btn-primary{background:var(--white);color:var(--navy);}
.btn-primary:hover{background:#dfe8f5;}
.btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:var(--white);background:transparent;}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08);}
.btn-dark{background:var(--navy);color:#fff;}
.btn-dark:hover{background:var(--navy-3);}

.floating-card{position:relative;margin-top:-72px;z-index:5;}
.floating-card .inner{background:var(--white);border-radius:8px;box-shadow:0 24px 48px rgba(11,31,58,.16);display:flex;flex-wrap:wrap;overflow:hidden;}
.fc-item{flex:1 1 160px;padding:26px 28px;border-right:1px solid var(--line);}
.fc-item:last-child{border-right:none;}
.fc-item b{display:block;font-family:'Cormorant Garamond',serif;font-size:26px;color:var(--navy);font-weight:700;}
.fc-item span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;}
@media (max-width:700px){
  .hero{padding-bottom:150px;}
  .floating-card{margin-top:-110px;}
  .fc-item{flex:1 1 45%;border-bottom:1px solid var(--line);}
}

/* PAGE HERO — coverage subpages, smaller banner */
.page-hero{position:relative;min-height:40vh;display:flex;align-items:flex-end;color:var(--white);isolation:isolate;padding-bottom:44px;padding-top:60px;}
.page-hero .hero-bg{position:absolute;inset:0;z-index:-2;}
.page-hero .hero-bg.placeholder{border:none;border-radius:0;}
.page-hero .hero-scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(170deg,var(--navy) 0%,var(--navy-2) 55%,var(--navy-3) 100%);opacity:.96;}
.breadcrumb{font-size:12.5px;color:#a9c0e6;margin-bottom:16px;}
.breadcrumb a{text-decoration:none;color:#a9c0e6;}
.breadcrumb a:hover{color:#fff;}
.page-hero h1{font-size:clamp(30px,4.4vw,48px);margin:0 0 14px;font-weight:600;}
.page-hero p{color:#dbe6f5;font-size:16.5px;max-width:56ch;margin:0;}

/* SECTION SHELL */
section{padding:96px 0;}
.section-head{max-width:640px;margin:0 auto 52px;text-align:center;}
.section-head .eyebrow{color:var(--blue);}
.section-head h2{font-size:clamp(26px,3.2vw,38px);margin:0 0 14px;font-weight:600;color:var(--navy);}
.section-head p{color:var(--muted);margin:0;font-size:15.5px;}
.section-head.left{text-align:left;margin:0 0 40px;}

/* CONTENT COLUMNS (subpage intro) */
.content-cols{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:start;}
@media (max-width:860px){.content-cols{grid-template-columns:1fr;}}
.content-cols h2{font-size:clamp(24px,3vw,32px);margin:0 0 16px;font-weight:600;color:var(--navy);}
.content-cols p{color:var(--muted);margin:0 0 16px;font-size:15.5px;}
.content-cols .placeholder{aspect-ratio:4/3;border-radius:6px;}

/* INFO CARDS (how it works / who it's for / consider) */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px;}
@media (max-width:760px){.info-grid{grid-template-columns:1fr;}}
.info-card{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:26px 24px;}
.info-card h4{margin:0 0 10px;font-size:16px;font-weight:700;color:var(--navy);font-family:'Cormorant Garamond',serif;}
.info-card p{margin:0;color:var(--muted);font-size:14px;}

/* CARRIER GRID */
.carriers{background:var(--paper);}
.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
@media (max-width:760px){.carrier-grid{grid-template-columns:repeat(2,1fr);}}
.carrier-grid.narrow{max-width:480px;margin:0 auto;grid-template-columns:repeat(2,1fr);}
.carrier-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:24px 18px;text-align:center;}
.carrier-logo{height:52px;border-radius:5px;background:repeating-linear-gradient(135deg,#e7ecf4,#e7ecf4 8px,#eef2f8 8px,#eef2f8 16px);
  border:1.5px dashed #aebedb;display:flex;align-items:center;justify-content:center;margin-bottom:12px;color:#3d4d6b;font-size:10.5px;font-weight:600;}
.carrier-card .cname{font-size:13.5px;font-weight:600;color:var(--ink);}
.carrier-note{max-width:640px;margin:36px auto 0;text-align:center;background:var(--white);border:1px solid var(--line);
  border-radius:10px;padding:26px 30px;color:var(--muted);font-size:14.5px;}
.carrier-note strong{color:var(--navy);}

/* DISCLAIMER */
.disclaimer{max-width:800px;margin:36px auto 0;font-size:12px;color:var(--muted);text-align:center;line-height:1.6;}

/* AI CHAT ASSISTANT (shared across pages) */
.ai-section{background:var(--paper);}
.ai-section.on-white{background:var(--white);}
.ai-panel{max-width:760px;margin:0 auto;background:var(--white);border:1px solid var(--line);border-radius:12px;
  box-shadow:0 20px 50px rgba(11,31,58,.1);overflow:hidden;}
.ai-panel-head{background:linear-gradient(120deg,var(--navy),var(--navy-3));color:#fff;padding:22px 26px;display:flex;align-items:center;gap:14px;}
.ai-badge{width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);
  display:flex;align-items:center;justify-content:center;flex:none;}
.ai-badge svg{width:22px;height:22px;}
.ai-panel-head h3{margin:0;font-size:18px;font-weight:700;font-family:'Cormorant Garamond',serif;}
.ai-panel-head p{margin:2px 0 0;font-size:12.5px;color:#bcd0ee;}
.ai-status{margin-left:auto;display:flex;align-items:center;gap:7px;font-size:11.5px;color:#bcd0ee;flex:none;}
.ai-dot{width:7px;height:7px;border-radius:50%;background:#5fd399;box-shadow:0 0 0 3px rgba(95,211,153,.25);}
.ai-messages{padding:24px 26px;min-height:200px;max-height:340px;overflow-y:auto;display:flex;flex-direction:column;gap:14px;background:#fbfcfe;}
.msg{max-width:82%;padding:11px 16px;border-radius:12px;font-size:14.5px;line-height:1.55;}
.msg.bot{background:var(--paper-2);color:var(--ink);border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:3px;}
.msg.user{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:3px;}
.typing{align-self:flex-start;display:flex;gap:4px;padding:12px 16px;background:var(--paper-2);border:1px solid var(--line);border-radius:12px;border-bottom-left-radius:3px;}
.typing span{width:6px;height:6px;border-radius:50%;background:#9fb0c9;animation:blink 1.2s infinite ease-in-out;}
.typing span:nth-child(2){animation-delay:.2s;}
.typing span:nth-child(3){animation-delay:.4s;}
@keyframes blink{0%,80%,100%{opacity:.25;}40%{opacity:1;}}
.ai-suggestions{display:flex;gap:8px;flex-wrap:wrap;padding:0 26px 18px;}
.chip{border:1px solid var(--line);background:var(--white);color:var(--blue);font-size:12.5px;padding:8px 14px;border-radius:20px;cursor:pointer;transition:all .15s ease;}
.chip:hover{background:var(--paper-2);border-color:var(--blue-light);}
.ai-input-row{display:flex;align-items:center;gap:10px;padding:16px 20px;border-top:1px solid var(--line);background:var(--white);}
.ai-input-row input{flex:1;border:1px solid var(--line);border-radius:24px;padding:12px 18px;font-size:14.5px;outline:none;font-family:inherit;color:var(--ink);min-width:0;}
.ai-input-row input:focus{border-color:var(--blue-light);}
.icon-btn{width:42px;height:42px;border-radius:50%;border:1px solid var(--line);background:var(--paper-2);color:var(--navy);
  display:flex;align-items:center;justify-content:center;cursor:pointer;flex:none;transition:all .15s ease;}
.icon-btn svg{width:19px;height:19px;}
.icon-btn:hover{background:var(--paper);}
.icon-btn.mic.listening{background:#e33d3d;border-color:#e33d3d;color:#fff;animation:pulse 1.4s infinite;}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(227,61,61,.45);}70%{box-shadow:0 0 0 10px rgba(227,61,61,0);}100%{box-shadow:0 0 0 0 rgba(227,61,61,0);}}
.icon-btn.send{background:var(--navy);color:#fff;border-color:var(--navy);}
.icon-btn.send:hover{background:var(--navy-3);}
.icon-btn[disabled]{opacity:.4;cursor:not-allowed;}
.ai-note{text-align:center;font-size:12px;color:var(--muted);padding:12px 20px 22px;}
.mic-warning{text-align:center;font-size:11.5px;color:#b45309;padding:0 20px 14px;display:none;}

/* ABOUT (home) */
.about{background:var(--white);}
.about .wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:64px;align-items:center;}
@media (max-width:860px){.about .wrap{grid-template-columns:1fr;}}
.about .placeholder{aspect-ratio:5/4;border-radius:6px;}
.about-photo{aspect-ratio:5/4;border-radius:6px;overflow:hidden;}
.about-photo img{width:100%;height:100%;object-fit:cover;display:block;}
.about h2{font-size:clamp(26px,3.2vw,34px);margin:0 0 18px;font-weight:600;color:var(--navy);}
.about p{color:var(--muted);margin:0 0 16px;font-size:15.5px;}
.stat-row{display:flex;gap:40px;margin-top:28px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:26px;}
.stat b{display:block;font-family:'Cormorant Garamond',serif;font-size:30px;color:var(--navy);font-weight:700;}
.stat span{font-size:12.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;}

/* SERVICES grid (home) — now links out to pages */
.services{background:var(--paper);}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:900px){.service-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:600px){.service-grid{grid-template-columns:1fr;}}
.card{background:var(--white);padding:38px 32px;transition:background .2s ease;text-decoration:none;display:block;color:var(--ink);}
.card:hover{background:var(--paper);}
.icon{width:46px;height:46px;border-radius:3px;background:var(--paper-2);color:var(--navy);border:1px solid var(--line);
  display:flex;align-items:center;justify-content:center;margin-bottom:22px;}
.icon svg{width:22px;height:22px;}
.card h3{margin:0 0 10px;font-size:19px;font-weight:600;color:var(--navy);font-family:'Cormorant Garamond',serif;}
.card p{margin:0 0 14px;color:var(--muted);font-size:14.5px;}
.card .card-link{font-size:13px;font-weight:700;color:var(--blue);}
.card.ask{display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:14px;text-align:center;background:var(--paper-2);}
.card.ask a{color:var(--navy);font-weight:700;text-decoration:underline;text-underline-offset:3px;}

/* CONTACT */
.contact{background:linear-gradient(170deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--white);}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
@media (max-width:860px){.contact .wrap{grid-template-columns:1fr;}}
.contact h2{font-size:clamp(26px,3.2vw,34px);margin:0 0 16px;font-weight:600;}
.contact p.lead{color:#c3d2ea;max-width:44ch;margin:0 0 30px;font-size:15.5px;}
.contact-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.16);border-radius:6px;padding:34px;}
.contact-row{display:flex;align-items:flex-start;gap:16px;margin-bottom:22px;}
.contact-row:last-child{margin-bottom:0;}
.contact-row .ic{width:40px;height:40px;border-radius:3px;background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;flex:none;}
.contact-row .ic svg{width:18px;height:18px;}
.contact-row a{color:var(--white);text-decoration:none;font-weight:600;font-size:16px;}
.contact-row a:hover{color:#9fb6dd;}
.contact-row .label{font-size:11.5px;color:#8ea3c8;text-transform:uppercase;letter-spacing:1.2px;margin-bottom:4px;}

footer{background:var(--navy);border-top:1px solid rgba(255,255,255,.1);color:#8ea3c8;padding:28px 0;font-size:12.5px;}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}

.banner{background:#fff4d6;border-bottom:1px solid #e9d189;color:#5c4a12;font-size:13px;text-align:center;padding:9px 16px;font-weight:600;}

@media (max-width:420px){
  .wrap{padding:0 18px;}
  section{padding:64px 0;}
  .ai-messages{max-height:280px;}
  .msg{max-width:90%;}
  .btn{padding:13px 22px;font-size:13.5px;}
  .carrier-grid{grid-template-columns:1fr 1fr;}
}