:root {
  --navy: #102c45;
  --deep: #071e31;
  --blue: #1386b5;
  --sky: #78d5ed;
  --ice: #eaf7fb;
  --paper: #f7fafb;
  --muted: #526b79;
  --line: #d7e6eb;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--navy);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}
a, button { font: inherit; }
a { color: inherit; }
a:focus-visible, button:focus-visible { outline: 3px solid #e8a947; outline-offset: 3px; }
.wrap { width: min(1120px, calc(100% - 42px)); margin: 0 auto; }
.start-strip { background: #dff4fa; border-bottom: 1px solid #c5e6ef; }
.start-strip .wrap { align-items: center; display: flex; gap: 18px; justify-content: center; min-height: 64px; padding: 8px 0; }
.start-strip span { color: #365666; font-size: .9rem; font-weight: 750; }
.top-actions { align-items: center; display: flex; gap: 10px; }
.contact-box { background: #fff; border: 1px solid #96cfdf; border-radius: 9px; color: var(--navy); font-size: .86rem; font-weight: 850; padding: 9px 14px; text-decoration: none; }
.contact-box:hover { background: #f5fcfe; border-color: var(--blue); }
.button {
  align-items: center;
  background: var(--sky);
  border: 1px solid transparent;
  border-radius: 9px;
  box-shadow: 0 10px 25px #1585ad2c;
  color: var(--deep);
  display: inline-flex;
  font-weight: 850;
  justify-content: center;
  padding: 13px 20px;
  text-decoration: none;
  transition: transform .15s ease, background .15s ease;
}
.button:hover { background: #9be4f4; transform: translateY(-2px); }
.button.small { font-size: .86rem; padding: 9px 14px; }
.button.dark { background: var(--navy); box-shadow: none; color: #fff; }
.button.dark:hover { background: #1b4c69; }
.button.outline { background: transparent; border-color: #79cfe5; box-shadow: none; color: #e5f7fb; }
.button.outline:hover { background: #ffffff12; }
.nav { backdrop-filter: blur(12px); background: #fffffff7; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; }
.nav-inner { align-items: center; display: flex; gap: 24px; justify-content: space-between; min-height: 74px; }
.brand { align-items: center; display: inline-flex; font-size: 1.18rem; font-weight: 900; gap: 10px; letter-spacing: .14em; text-decoration: none; }
.brand svg { color: var(--blue); height: 37px; width: 33px; }
.nav-links { align-items: center; display: flex; gap: 17px; }
.nav-links a { color: #405c6b; font-size: .84rem; font-weight: 760; text-decoration: none; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.nav-links a[aria-current="page"] { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 7px; }
.menu { background: #fff; border: 1px solid var(--line); border-radius: 9px; color: var(--navy); display: none; font-size: 1.3rem; height: 44px; width: 44px; }
.hero, .page-hero { background: radial-gradient(circle at 85% 12%, #1f5c76, transparent 38%), linear-gradient(130deg, #082237, #113c55); color: #fff; overflow: hidden; }
.hero-grid { align-items: center; display: grid; gap: 64px; grid-template-columns: 1.08fr .92fr; padding: 72px 0 82px; }
.eyebrow { color: #7cd9ee; font-size: .74rem; font-weight: 900; letter-spacing: .17em; text-transform: uppercase; }
.eyebrow.ink { color: #147fa8; }
.hero h1, .page-hero h1 { font-size: clamp(2.8rem, 5.5vw, 5.2rem); letter-spacing: -.056em; line-height: 1; margin: 17px 0 22px; }
.hero h1 em { color: #94e3f4; font-style: normal; }
.hero-copy { color: #d4e9f0; font-size: 1.12rem; margin: 0 0 28px; max-width: 650px; }
.protection-line { color: #96e3f3; font-size: .95rem; font-weight: 900; letter-spacing: .075em; margin: -8px 0 26px; }
.hero-links { align-items: center; display: flex; flex-wrap: wrap; gap: 14px; }
.text-link { color: #e5f7fb; font-weight: 800; text-decoration-color: #78d3eb; text-decoration-thickness: 2px; text-underline-offset: 5px; }
.trust { color: #e2f1f5; display: flex; flex-wrap: wrap; font-size: .86rem; gap: 12px 22px; margin-top: 34px; }
.trust span::before { color: #89dff1; content: "✓"; font-weight: 900; margin-right: 8px; }
.protection-card { background: #ffffff12; border: 1px solid #d9f3fa3f; border-radius: 22px; box-shadow: 0 30px 80px #0003; padding: 34px; }
.protection-card h2 { font-size: clamp(2rem, 3vw, 3rem); letter-spacing: -.045em; line-height: 1.06; margin: 13px 0 16px; }
.protection-card p { color: #d1e8ef; margin: 0 0 24px; }
.protection-card .button { width: 100%; }
.protection-card small { color: #bad7e1; display: block; margin-top: 13px; text-align: center; }
.page-hero .wrap { max-width: 920px; padding-bottom: 68px; padding-top: 66px; }
.page-hero h1 { font-size: clamp(2.65rem, 5vw, 4.7rem); max-width: 850px; }
.page-hero p { color: #d3e9f0; font-size: 1.1rem; margin: 0; max-width: 760px; }
.section { padding: 78px 0; }
.section.white { background: #fff; }
.section-head { margin-bottom: 34px; max-width: 780px; }
.section-head h2 { font-size: clamp(2.08rem, 4vw, 3.45rem); letter-spacing: -.043em; line-height: 1.08; margin: 12px 0 15px; }
.section-head p { color: var(--muted); font-size: 1.04rem; margin: 0; }
.card-grid { display: grid; gap: 16px; grid-template-columns: repeat(3, 1fr); }
.card { background: #fbfdfe; border: 1px solid var(--line); border-radius: 14px; padding: 24px; }
.card .number { color: var(--blue); font-size: .74rem; font-weight: 900; letter-spacing: .12em; }
.card h3 { font-size: 1.08rem; line-height: 1.24; margin: 10px 0 8px; }
.card p { color: var(--muted); font-size: .91rem; margin: 0; }
.split { display: grid; gap: 30px; grid-template-columns: 1.12fr .88fr; }
.panel { background: var(--ice); border: 1px solid #d1e9f0; border-radius: 16px; padding: 29px; }
.panel.dark { background: var(--deep); border: 0; color: #fff; }
.panel h2, .panel h3 { letter-spacing: -.025em; line-height: 1.18; margin: 0 0 14px; }
.panel p { color: #496571; margin: 0 0 17px; }
.panel.dark p { color: #c6e1e9; }
.panel .button { width: 100%; }
.contact-actions { display: grid; gap: 10px; }
.trade-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 19px 0 0; }
.trade-list span { background: #fff; border: 1px solid #c9e5ee; border-radius: 99px; font-size: .82rem; font-weight: 750; padding: 7px 12px; }
.deliver { display: grid; gap: 14px; grid-template-columns: repeat(2, 1fr); }
.stats { display: grid; gap: 16px; grid-template-columns: repeat(3, 1fr); }
.stat { background: #fff; border: 1px solid var(--line); border-radius: 13px; padding: 24px; }
.stat strong { color: #107ba8; display: block; font-size: 2.2rem; letter-spacing: -.05em; line-height: 1.1; }
.stat p { color: var(--muted); font-size: .9rem; margin: 9px 0 14px; }
.stat a { color: #0b739e; font-size: .79rem; font-weight: 800; }
.stats-foot { color: #5a727e; font-size: .79rem; margin: 14px 0 0; }
.scenario { background: #eff9fc; border: 1px solid #b5dbe7; border-left: 4px solid var(--blue); border-radius: 11px; margin-top: 23px; padding: 25px; }
.scenario h2 { font-size: 1.35rem; margin: 0 0 10px; }
.scenario p { color: #486473; font-size: .92rem; margin: 9px 0; }
.scenario .math { color: var(--navy); font-size: 1.25rem; font-weight: 850; }
.scenario small { color: #546c77; display: block; font-size: .76rem; margin-top: 8px; }
.steps { display: grid; gap: 0; }
.step { display: grid; gap: 18px; grid-template-columns: 46px 1fr; padding-bottom: 28px; position: relative; }
.step:not(:last-child)::before { border-left: 2px solid #c9e4ed; bottom: 4px; content: ""; left: 22px; position: absolute; top: 45px; }
.step-num { align-items: center; background: #ddf3fa; border-radius: 50%; color: #0d789f; display: flex; font-size: .82rem; font-weight: 900; height: 46px; justify-content: center; position: relative; width: 46px; z-index: 1; }
.step h3 { margin: 3px 0 5px; }
.step p { color: var(--muted); margin: 0; }
.safe-note { background: #eaf6fa; border-left: 3px solid #82d2e8; color: #3e5d6d; margin-top: 8px; padding: 14px 17px; }
.start-layout { display: grid; gap: 30px; grid-template-columns: 1fr .8fr; }
.check-list { list-style: none; margin: 22px 0 0; padding: 0; }
.check-list li { border-top: 1px solid var(--line); padding: 13px 0 13px 29px; position: relative; }
.check-list li::before { color: var(--blue); content: "✓"; font-weight: 900; left: 2px; position: absolute; }
.incident-alert { background: #fff4f1; border: 1px solid #ecc7bd; border-left: 4px solid #b34c35; border-radius: 12px; color: #653326; margin-bottom: 28px; padding: 18px 20px; }
.incident-alert strong { color: #7c2f1f; display: block; margin-bottom: 4px; }
.response-grid { display: grid; gap: 17px; grid-template-columns: repeat(2, 1fr); }
.response-card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 25px; }
.response-card .time { color: var(--blue); font-size: .75rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.response-card h2 { font-size: 1.3rem; line-height: 1.2; margin: 10px 0 12px; }
.response-card ol { margin: 0; padding-left: 20px; }
.response-card li { color: var(--muted); margin: 8px 0; padding-left: 4px; }
.source-links { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.source-links a { color: #0b739e; font-size: .84rem; font-weight: 800; }
.calculator-layout { display: grid; gap: 30px; grid-template-columns: .92fr 1.08fr; }
.calc-form { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 28px; }
.calc-form h2 { font-size: 1.5rem; margin: 0 0 8px; }
.calc-form > p { color: var(--muted); margin: 0 0 22px; }
.field-grid { display: grid; gap: 17px; grid-template-columns: repeat(2, 1fr); }
.field { display: grid; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { color: #29485a; font-size: .84rem; font-weight: 800; }
.field small { color: #657d89; font-size: .75rem; }
.field input, .field select { background: #fbfdfe; border: 1px solid #bcd2da; border-radius: 8px; color: var(--navy); font-size: 1rem; min-height: 46px; padding: 10px 12px; width: 100%; }
.field input:focus, .field select:focus { border-color: var(--blue); outline: 3px solid #83d6ea55; }
.form-actions { align-items: center; display: flex; gap: 14px; margin-top: 22px; }
.reset-button { background: transparent; border: 0; color: #0b739e; cursor: pointer; font-weight: 800; padding: 9px; text-decoration: underline; text-underline-offset: 4px; }
.privacy-note { color: #657d89; font-size: .76rem; margin-top: 16px; }
.results { background: var(--deep); border-radius: 16px; color: #fff; padding: 28px; }
.results h2 { font-size: 1.6rem; margin: 0 0 7px; }
.results-intro { color: #c6e1e9; margin: 0 0 21px; }
.total-loss { background: linear-gradient(135deg, #dff7fc, #8fe4f3); border: 2px solid #bdf0f8; border-radius: 14px; box-shadow: 0 16px 34px #00000026; color: var(--deep); margin-bottom: 17px; padding: 25px; text-align: center; }
.total-loss span { display: block; font-size: .88rem; font-weight: 900; letter-spacing: .08em; line-height: 1.3; text-transform: uppercase; }
.total-loss strong { color: #075f82; display: block; font-size: clamp(2.7rem, 7vw, 4.5rem); letter-spacing: -.055em; line-height: 1; margin: 12px 0 10px; }
.total-loss small { color: #254c5c; display: block; font-size: .76rem; font-weight: 700; line-height: 1.4; }
.result-grid { display: grid; gap: 13px; grid-template-columns: repeat(2, 1fr); }
.metric { background: #ffffff0d; border: 1px solid #ffffff1c; border-radius: 12px; padding: 19px; }
.metric span { color: #b8d8e2; display: block; font-size: .77rem; font-weight: 780; line-height: 1.3; margin-bottom: 7px; }
.metric strong { color: #90e0f2; display: block; font-size: clamp(1.55rem, 3vw, 2.3rem); letter-spacing: -.04em; line-height: 1; }
.metric small { color: #a9c9d4; display: block; font-size: .72rem; line-height: 1.35; margin-top: 8px; }
.overlap-note { background: #ffffff0b; border-left: 3px solid #76d4eb; color: #cae3eb; font-size: .82rem; margin-top: 17px; padding: 13px 15px; }
.formula-note { color: var(--muted); font-size: .82rem; margin-top: 20px; }
.footer { background: #061c2e; color: #bed7e0; padding: 31px 0 95px; }
.footer-inner { align-items: center; display: flex; gap: 24px; justify-content: space-between; }
.footer .brand { color: #fff; font-size: .96rem; }
.footer small { font-size: .78rem; }
.footer a:not(.brand) { font-size: .8rem; }
.mobile-cta { display: none; }

@media (max-width: 920px) {
  .hero-grid, .split, .start-layout, .calculator-layout { grid-template-columns: 1fr; }
  .hero-grid { gap: 34px; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 1080px) {
  .nav-inner { min-height: 66px; }
  .menu { display: block; }
  .nav-links { align-items: stretch; background: #fff; box-shadow: 0 24px 45px #09223825; display: none; flex-direction: column; gap: 0; left: 0; padding: 16px; position: absolute; right: 0; top: 66px; }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: .92rem; padding: 12px; text-align: center; }
}

@media (max-width: 760px) {
  .wrap { width: min(100% - 32px, 1120px); }
  .start-strip .wrap { align-items: stretch; flex-direction: column; gap: 7px; padding: 10px 0; text-align: center; }
  .top-actions { align-items: stretch; display: grid; grid-template-columns: 1fr 1fr; }
  .start-strip .button, .contact-box { width: 100%; }
  .nav-inner { min-height: 66px; }
  .menu { display: block; }
  .nav-links { align-items: stretch; background: #fff; box-shadow: 0 24px 45px #09223825; display: none; flex-direction: column; gap: 0; left: 0; padding: 16px; position: absolute; right: 0; top: 66px; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 13px; text-align: center; }
  .hero-grid { padding: 58px 0 66px; }
  .section { padding: 62px 0; }
  .page-hero .wrap { padding-bottom: 57px; padding-top: 55px; }
  .footer { padding-bottom: 96px; }
  .mobile-cta { background: #fff; bottom: 0; box-shadow: 0 -9px 35px #09223819; display: block; left: 0; padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); position: fixed; right: 0; z-index: 18; }
  .mobile-cta .button { width: 100%; }
}

@media (max-width: 560px) {
  .hero h1 { font-size: 2.7rem; }
  .hero-copy { font-size: 1.02rem; }
  .protection-card { padding: 26px 22px; }
  .card-grid, .deliver, .stats, .response-grid, .field-grid, .result-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .section-head h2 { font-size: 2.18rem; }
  .footer-inner { align-items: flex-start; flex-direction: column; }
  .top-actions { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}

/* Purchase disclosures use body-size text and stay visible without expanding a panel. */
.policy-notice{background:#f0f8fc;border:2px solid #528da8;border-radius:12px;padding:22px;margin:24px 0;color:#102c45;font-size:1rem;line-height:1.6;overflow-wrap:anywhere}
.policy-notice h2{font-size:1.3rem;line-height:1.25;margin:0 0 14px;letter-spacing:0}
.policy-notice p{color:#173a4e!important;font-size:1rem!important;margin:0 0 14px}
.policy-notice a,.policy-document a{color:#075a7c;text-decoration:underline;text-underline-offset:3px;font-weight:700}
.policy-links{display:flex;flex-wrap:wrap;gap:12px 22px;margin:18px 0;line-height:1.55;font-size:1rem}
.policy-links a{font-size:1rem!important;font-weight:750;text-decoration:underline;text-underline-offset:4px}
.footer .policy-links{margin:0 0 25px;color:#e6f5fb}
.policy-document{max-width:900px;font-size:1rem;line-height:1.65}
.policy-document h2{font-size:1.5rem;line-height:1.3;margin:35px 0 14px;scroll-margin-top:95px}
.policy-document p{margin:0 0 18px;overflow-wrap:anywhere}
.policy-table-scroll{overflow-x:auto;margin:20px 0}
.policy-table{border-collapse:collapse;width:100%;min-width:0}
.policy-table th,.policy-table td{padding:14px;border:1px solid #a9c7d4;text-align:left;vertical-align:top}
.policy-table th{background:#e0f1f8;color:#102c45}
.hero-disclaimer{font-size:1rem;line-height:1.55;color:#d8edf4;margin:16px 0}
.hero-disclaimer a{color:#fff;text-underline-offset:3px}
.plan-policy-note{font-size:1rem!important;color:#244556!important;line-height:1.5;margin-top:12px!important}
@media(max-width:560px){.policy-notice{padding:18px}.policy-links{flex-direction:column;gap:13px}.policy-table th,.policy-table td{padding:10px}.policy-document h2{font-size:1.3rem}}
@media print{.nav,.start-strip,.mobile-cta{display:none}.policy-document{max-width:none}.policy-notice,.policy-table th,.policy-table td{break-inside:avoid}.footer{background:white;color:black}}

/* Incident first actions and privacy disclosures */
.first-five{background:#f0f8fc;border:2px solid #528da8;border-radius:16px;padding:clamp(20px,4vw,38px);margin:28px 0 40px;scroll-margin-top:110px}
.first-five h2{margin:10px 0 16px;font-size:clamp(1.6rem,3vw,2.2rem)}
.incident-five-list{list-style:none;counter-reset:incident-step;padding:0;margin:24px 0}
.incident-five-list>li{counter-increment:incident-step;position:relative;padding:20px 0 20px 64px;border-top:1px solid #b9d2df}
.incident-five-list>li:before{content:counter(incident-step);position:absolute;left:0;top:22px;width:42px;height:42px;border-radius:50%;background:#102c45;color:#fff;display:grid;place-items:center;font-size:1.2rem;font-weight:800}
.incident-five-list h3{font-size:1.2rem;margin:0 0 8px}.incident-five-list p{margin:0;line-height:1.65}.first-five a,.contact-privacy a{color:#075a7c;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.incident-guidance-note,.contact-privacy{font-size:1rem;line-height:1.6}.detailed-response-title{margin-bottom:22px}
.policy-document code{overflow-wrap:anywhere;font-size:.95em}.policy-document td{overflow-wrap:anywhere}.policy-document h2[id]{scroll-margin-top:110px}
@media(max-width:480px){.incident-five-list>li{padding-left:50px}.incident-five-list>li:before{width:34px;height:34px}.first-five{padding:18px}}

/* Readable assessment action on the light top bar. */
.start-strip .button.outline { color: #102c45; background: #fff; border-color: #102c45; font-weight: 850; }
.start-strip .button.outline:hover, .start-strip .button.outline:focus-visible { color: #102c45; background: #eaf7fb; border-color: #102c45; }