@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');

:root {
    --navy: #0b1f3a;
    --blue: #1769e0;
    --blue2: #2d82f3;
    --cyan: #16b6c8;
    --ink: #17233a;
    --muted: #66748b;
    --line: #dfe7f1;
    --soft: #f5f8fc;
    --cream: #fff6dc;
    --gold: #9b6500;
    --white: #fff
}

* {
    box-sizing: border-box
}

html {
    scroll-behavior: smooth
}

body {
    margin: 0;
    color: var(--ink);
    font-family: 'DM Sans', Arial, sans-serif;
    background: #fff;
    line-height: 1.6
}

.wrap {
    width: min(1180px, 92%);
    margin: auto
}

.disclosure-bar {
    background: var(--cream);
    border-top: 1px solid #efd68d;
    border-bottom: 1px solid #efd68d;
    color: #684500;
    text-align: center;
    font-size: 15px;
    padding: 13px 0
}

.disclosure-bar strong {
    color: #161616
}

.disclosure-bar a {
    color: #704900;
    font-weight: 700;
    margin-left: 5px
}

header {
    background: rgba(255, 255, 255, .96);
    border-bottom: 1px solid #e5edf5;
    position: sticky;
    top: 0;
    z-index: 50;
    backdrop-filter: blur(12px)
}

.nav {
    height: 86px;
    display: flex;
    align-items: center;
    gap: 34px
}

.brand {
    display: flex;
    align-items: center;
    gap: 11px;
    text-decoration: none;
    color: var(--navy);
    font-family: Manrope;
    font-size: 24px;
    font-weight: 800;
    white-space: nowrap
}

.brand em {
    font-style: normal;
    color: var(--blue)
}

.brandmark {
    width: 45px;
    height: 45px;
    border-radius: 13px;
    display: grid;
    place-items: center;
    color: white;
    font-size: 18px;
    background: linear-gradient(135deg, var(--blue), var(--cyan));
    box-shadow: 0 9px 22px rgba(23, 105, 224, .2)
}

nav {
    margin-left: auto;
    display: flex;
    gap: 31px
}

nav a {
    text-decoration: none;
    color: #43536b;
    font-weight: 700;
    font-size: 15px
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    text-decoration: none;
    background: linear-gradient(135deg, var(--blue), var(--blue2));
    color: #fff;
    font-weight: 800;
    border-radius: 14px;
    padding: 15px 23px;
    box-shadow: 0 12px 28px rgba(23, 105, 224, .22);
    transition: .2s
}

.btn:hover {
    transform: translateY(-2px)
}

.navbtn {
    padding: 13px 19px
}

.menu {
    display: none;
    border: 0;
    background: none;
    font-size: 24px
}

.hero {
    position: relative;
    overflow: hidden;
    background: linear-gradient(120deg, #f8fbff 0%, #f1f8ff 58%, #eafcff 100%);
    padding: 82px 0 74px
}

.hero:before {
    content: "";
    position: absolute;
    width: 620px;
    height: 620px;
    border: 1px solid rgba(23, 105, 224, .12);
    border-radius: 50%;
    right: -230px;
    top: -300px
}

.hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(2px)
}

.hero-orb.one {
    width: 340px;
    height: 340px;
    background: rgba(22, 182, 200, .08);
    right: 8%;
    top: 8%
}

.hero-orb.two {
    width: 180px;
    height: 180px;
    background: rgba(23, 105, 224, .06);
    left: -70px;
    bottom: -50px
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 70px;
    align-items: center;
    position: relative
}

.eyebrow,
.section-head>span,
.finalcta span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.6px;
    color: var(--blue)
}

h1,
h2,
h3 {
    font-family: Manrope;
    margin-top: 0
}

h1 {
    font-size: 54px;
    line-height: 1.08;
    letter-spacing: -2px;
    margin: 13px 0 20px;
    color: var(--navy)
}

h1 span {
    color: var(--blue)
}

.lead {
    font-size: 19px;
    color: #5b6c84;
    max-width: 690px;
    margin: 0 0 29px
}

.actions {
    display: flex;
    align-items: center;
    gap: 23px
}

.hero-btn {
    padding: 17px 25px
}

.secondary {
    font-weight: 800;
    color: var(--navy)
}

.micro {
    display: flex;
    flex-wrap: wrap;
    gap: 17px;
    margin-top: 25px;
    color: #5c6b7f;
    font-size: 13px;
    font-weight: 600
}

.micro span:before {
    color: #16a36a
}

.hero-card {
    background: #0e2c50;
    color: #fff;
    border-radius: 27px;
    padding: 31px;
    box-shadow: 0 30px 60px rgba(11, 31, 58, .2);
    position: relative;
    overflow: hidden
}

.hero-card:after {
    content: "";
    position: absolute;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: rgba(22, 182, 200, .13);
    right: -80px;
    top: -70px
}

.card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: #bdd2e8;
    font-size: 13px;
    font-weight: 700
}

.shield {
    width: 38px;
    height: 38px;
    border-radius: 12px;
    background: linear-gradient(135deg, #1ab5c7, #36c785);
    display: grid;
    place-items: center;
    color: #fff
}

.bigamount {
    font-family: Manrope;
    font-size: 40px;
    font-weight: 800;
    margin: 20px 0 9px
}

.bigamount small {
    font-size: 16px;
    color: #9fb5cc;
    font-weight: 600
}

.hero-card>p {
    color: #c6d4e4;
    font-size: 14px
}

.mini-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 11px;
    margin: 21px 0
}

.mini-grid div {
    background: rgba(255, 255, 255, .08);
    border: 1px solid rgba(255, 255, 255, .1);
    padding: 15px;
    border-radius: 14px
}

.mini-grid small {
    display: block;
    color: #a9bed4
}

.mini-grid b {
    display: block;
    margin-top: 4px;
    font-size: 17px
}

.card-note {
    font-size: 11px;
    color: #9eb2c7;
    border-top: 1px solid rgba(255, 255, 255, .12);
    padding-top: 15px
}

.card-link {
    display: block;
    color: #6ee4ed;
    text-decoration: none;
    font-weight: 800;
    margin-top: 18px
}

.quick {
    border-bottom: 1px solid var(--line);
    box-shadow: 0 10px 30px rgba(28, 59, 98, .04)
}

.quick-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr)
}

.quick-grid>div {
    display: flex;
    gap: 13px;
    align-items: center;
    padding: 24px;
    border-right: 1px solid var(--line)
}

.quick-grid>div:last-child {
    border-right: 0
}

.qicon {
    width: 38px;
    height: 38px;
    border-radius: 11px;
    background: #eaf3ff;
    color: var(--blue);
    display: grid;
    place-items: center;
    font-weight: 800
}

.quick p {
    margin: 0
}

.quick b,
.quick small {
    display: block
}

.quick small {
    color: var(--muted);
    font-size: 12px
}

.section {
    padding: 84px 0
}

.section-head {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 43px
}

.section-head h2 {
    font-size: 36px;
    line-height: 1.18;
    color: var(--navy);
    margin: 8px 0 11px;
    letter-spacing: -1px
}

.section-head p {
    color: var(--muted);
    margin: 0
}

.steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px
}

.steps article {
    position: relative;
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 28px;
    background: #fff;
    box-shadow: 0 14px 34px rgba(29, 61, 100, .06)
}

.num {
    position: absolute;
    right: 22px;
    top: 18px;
    color: #dbe6f2;
    font-family: Manrope;
    font-size: 32px;
    font-weight: 800
}

.stepicon {
    width: 47px;
    height: 47px;
    border-radius: 14px;
    background: linear-gradient(135deg, #eaf3ff, #e8fbfc);
    display: grid;
    place-items: center;
    color: var(--blue);
    font-weight: 800;
    margin-bottom: 22px
}

.steps h3 {
    margin-bottom: 8px
}

.steps p {
    color: var(--muted);
    font-size: 14px
}

.rates {
    background: linear-gradient(135deg, #0a1f3a, #123c68);
    color: #fff
}

.lighthead h2 {
    color: #fff
}

.lighthead p {
    color: #b9c9d9
}

.lighthead>span {
    color: #62d7e3
}

.rate-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 17px
}

.rate-card {
    background: rgba(255, 255, 255, .07);
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 18px;
    padding: 24px
}

.rate-card small {
    color: #9fc4e5;
    font-weight: 700
}

.rate-card strong {
    display: block;
    font-family: Manrope;
    font-size: 27px;
    margin: 7px 0
}

.rate-card p {
    color: #b9c9d9;
    font-size: 13px;
    margin: 0
}

.representative {
    margin-top: 20px;
    background: #fff;
    color: var(--ink);
    border-radius: 19px;
    padding: 23px 25px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px
}

.representative span {
    color: var(--blue);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1px
}

.representative h3 {
    margin: 5px 0 0
}

.repnums {
    display: flex;
    gap: 35px
}

.repnums p {
    margin: 0
}

.repnums small,
.repnums b {
    display: block
}

.repnums small {
    color: var(--muted);
    font-size: 11px
}

.repnums b {
    font-size: 18px
}

.fine {
    color: #9fb4ca;
    font-size: 11px;
    margin: 18px 0 0
}

.split {
    display: grid;
    grid-template-columns: 1.08fr .92fr;
    gap: 70px;
    align-items: start
}

.section-head.left {
    text-align: left;
    margin: 0 0 20px
}

.bodycopy {
    color: var(--muted);
    font-size: 17px
}

.checklist {
    list-style: none;
    padding: 0;
    margin: 25px 0
}

.checklist li {
    padding: 9px 0 9px 29px;
    position: relative
}

.checklist li:before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #17a873;
    font-weight: 800
}

.textcta {
    color: var(--blue);
    font-weight: 800
}

.provider-box {
    background: var(--soft);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 29px
}

.provider-label {
    display: inline-block;
    background: #e6f0ff;
    color: var(--blue);
    font-size: 11px;
    font-weight: 800;
    padding: 6px 9px;
    border-radius: 7px
}

.provider-box h3 {
    font-size: 26px;
    margin: 12px 0 7px
}

.provider-box>p {
    color: var(--muted)
}

.contact-row {
    display: flex;
    gap: 14px;
    border-top: 1px solid var(--line);
    padding: 15px 0
}

.contact-row>span {
    color: var(--blue)
}

.contact-row p {
    margin: 0;
    font-size: 14px
}

.provider-note {
    font-size: 11px;
    color: var(--muted);
    background: #fff;
    border-radius: 10px;
    padding: 12px
}

.faqsec {
    background: var(--soft)
}

.faqgrid {
    max-width: 880px;
    margin: auto
}

.faqgrid details {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 14px;
    margin: 10px 0;
    padding: 0 20px
}

.faqgrid summary {
    cursor: pointer;
    font-weight: 800;
    padding: 18px 0
}

.faqgrid p {
    color: var(--muted);
    margin-top: 0
}

.finalcta {
    background: linear-gradient(110deg, #1769e0, #1785df 60%, #16a8b9);
    color: #fff;
    padding: 48px 0
}

.finalcta .wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px
}

.finalcta span {
    color: #c7f8ff
}

.finalcta h2 {
    font-size: 31px;
    margin: 5px 0
}

.finalcta p {
    margin: 0;
    color: #e4f4ff
}

.whitebtn {
    background: #fff;
    color: var(--blue);
    box-shadow: none
}

footer {
    background: #07182d;
    color: #b5c4d5;
    padding: 55px 0 25px
}

.foot {
    display: grid;
    grid-template-columns: 2fr 1fr 1.2fr 1fr;
    gap: 35px
}

.foot .brand {
    color: #fff
}

.footbrand p {
    max-width: 350px;
    font-size: 13px
}

.foot h4 {
    color: #fff;
    margin: 0 0 13px
}

.foot>div>a:not(.brand) {
    display: block;
    color: #b5c4d5;
    text-decoration: none;
    margin: 8px 0;
    font-size: 13px
}

.bottom {
    border-top: 1px solid rgba(255, 255, 255, .1);
    margin-top: 35px;
    padding-top: 20px;
    font-size: 11px;
    color: #8296ab
}

.bottom p:last-child {
    text-align: center;
    margin-top: 18px
}

@media(max-width:900px) {
    nav {
        display: none;
        position: absolute;
        top: 86px;
        left: 0;
        right: 0;
        background: #fff;
        padding: 20px;
        box-shadow: 0 10px 25px #0001;
        flex-direction: column
    }

    .nav .navbtn {
        display: none
    }

    .menu {
        display: block;
        margin-left: auto
    }

    .show {
        display: flex
    }

    .hero-grid,
    .split {
        grid-template-columns: 1fr
    }

    .hero {
        padding-top: 55px
    }

    .hero-grid {
        gap: 40px
    }

    h1 {
        font-size: 43px
    }

    .quick-grid {
        grid-template-columns: 1fr 1fr
    }

    .steps,
    .rate-grid {
        grid-template-columns: 1fr
    }

    .representative {
        display: block
    }

    .repnums {
        margin-top: 18px
    }

    .foot {
        grid-template-columns: 1fr 1fr
    }

    .finalcta .wrap {
        display: block
    }

    .finalcta .btn {
        margin-top: 22px
    }
}

@media(max-width:560px) {
    .disclosure-bar {
        font-size: 12px;
        text-align: left
    }

    .nav {
        height: 72px
    }

    .brand {
        font-size: 20px
    }

    .brandmark {
        width: 39px;
        height: 39px
    }

    nav {
        top: 72px
    }

    h1 {
        font-size: 36px
    }

    .lead {
        font-size: 16px
    }

    .actions {
        align-items: flex-start;
        flex-direction: column;
        gap: 13px
    }

    .micro {
        display: grid
    }

    .hero-card {
        padding: 23px
    }

    .bigamount {
        font-size: 31px
    }

    .quick-grid {
        grid-template-columns: 1fr
    }

    .quick-grid>div {
        border-right: 0;
        border-bottom: 1px solid var(--line)
    }

    .section {
        padding: 62px 0
    }

    .section-head h2 {
        font-size: 29px
    }

    .repnums {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 15px
    }

    .foot {
        grid-template-columns: 1fr
    }

    .finalcta h2 {
        font-size: 26px
    }
}

.page {
    background: var(--soft);
    padding: 58px 0 80px
}

.page .legal-card {
    max-width: 900px;
    margin: auto;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 38px;
    box-shadow: 0 18px 45px rgba(29, 61, 100, .07)
}

.page h1 {
    font-size: 40px;
    margin: 0 0 18px
}

.page h2 {
    font-size: 22px;
    margin: 30px 0 8px;
    color: var(--navy)
}

.page p,
.page li {
    color: #596a81
}

.callout {
    background: var(--cream);
    border: 1px solid #efd68d;
    border-left: 5px solid #d89b18;
    border-radius: 12px;
    padding: 18px;
    color: #684500;
    margin: 20px 0
}

.page a {
    color: var(--blue)
}