:root{--bg:#06131f;--bg2:#0b1d2e;--text:#f8fbff;--muted:#b9c6d4;--green:#22c55e;--green2:#16a34a;--blue:#60a5fa;--gold:#fbbf24;--line:rgba(255,255,255,.12);--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:#06131f;line-height:1.62}a{text-decoration:none;color:inherit}img{max-width:100%;height:auto}.wrap{width:min(var(--max),calc(100% - 34px));margin:auto}.header{position:sticky;top:0;z-index:50;background:rgba(6,19,31,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}.logo img{height:54px}.links{display:flex;gap:20px;align-items:center;color:var(--muted);font-weight:800;font-size:.93rem}.links a:hover{color:#fff}.btn{display:inline-flex;align-items:center;justify-content:center;padding:15px 24px;border-radius:999px;font-weight:900;transition:.25s ease;border:1px solid rgba(255,255,255,.14)}.btn:hover{transform:translateY(-2px)}.btn-primary{background:linear-gradient(135deg,var(--green),#86efac);color:#06131f}.btn-dark{background:rgba(255,255,255,.08);color:#fff}.hero{min-height:750px;display:flex;align-items:center;background:linear-gradient(90deg,rgba(6,19,31,.96),rgba(6,19,31,.75),rgba(6,19,31,.50)),url('../images/insurance-background.svg') center/cover no-repeat;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;align-items:center;padding:72px 0}.eyebrow{color:#86efac;font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:.84rem;margin-bottom:14px}h1{font-size:clamp(3rem,6vw,5.8rem);line-height:1.01;letter-spacing:-.06em;margin:0 0 22px}h2{font-size:clamp(2rem,4vw,3.45rem);line-height:1.08;letter-spacing:-.04em;margin:0 0 16px}h3{font-size:1.35rem;margin:0 0 10px}.lead{font-size:clamp(1.1rem,1.8vw,1.35rem);max-width:75ch;color:#dcfce7}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.panel,.card,.cta-band{background:linear-gradient(180deg,rgba(255,255,255,.085),rgba(255,255,255,.035));border:1px solid var(--line);border-radius:28px;box-shadow:0 28px 75px rgba(0,0,0,.35);backdrop-filter:blur(8px)}.panel,.card{padding:30px}.section{padding:86px 0;border-top:1px solid rgba(255,255,255,.07)}.section.alt{background:rgba(255,255,255,.025)}.center{text-align:center;max-width:900px;margin:0 auto 42px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}.card{transition:.25s ease}.card:hover{transform:translateY(-6px);border-color:rgba(34,197,94,.42)}.card p,.muted{color:var(--muted)}.icon{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,var(--green),var(--blue));font-size:29px;margin-bottom:18px}.tag{display:inline-flex;color:#86efac;font-weight:900;text-transform:uppercase;font-size:.82rem;letter-spacing:.08em;margin-bottom:12px}.list{padding-left:20px;color:var(--muted)}.cta-band{padding:48px;text-align:center}.faq details{background:rgba(255,255,255,.045);border:1px solid var(--line);border-radius:18px;padding:19px 22px;margin:14px 0}.faq summary{cursor:pointer;font-weight:900;color:#86efac}.footer{padding:42px 0 72px;color:var(--muted);border-top:1px solid var(--line)}.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer img{height:52px}.disclaimer{font-size:.88rem;color:#93a4b7;margin-top:18px;max-width:980px}@media(max-width:920px){.hero-grid,.grid-3,.grid-2{grid-template-columns:1fr}.links{display:none}.hero{min-height:auto}}@media(max-width:560px){.logo img{height:44px}.hero-grid{padding:52px 0}.actions .btn{width:100%}}

.nav-toggle{display:none;min-height:44px;padding:0 14px;border-radius:12px;border:1px solid var(--line);background:rgba(255,255,255,.06);color:var(--text);align-items:center;justify-content:center;cursor:pointer}
@media(max-width:920px){.nav-toggle{display:inline-flex}.links{display:none;flex-direction:column;width:100%;padding:10px 0 14px;border-top:1px solid var(--line)}.links.is-open{display:flex}.links a{padding:12px 6px;border-bottom:1px solid var(--line);border-radius:0;width:100%}.links .btn{margin-top:10px;width:100%}.nav{flex-wrap:wrap;gap:0;padding:12px 0}}