:root {
  --ink: #172026;
  --muted: #5f6972;
  --line: #dce3e8;
  --paper: #ffffff;
  --soft: #f4f7f8;
  --navy: #0e2730;
  --petrol: #1b5b63;
  --gold: #d8a136;
  --green: #2d7f62;
  --danger: #a34b35;
  --shadow: 0 18px 50px rgba(13, 39, 48, 0.14);
  --header-height: 76px;
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img,
svg {
  display: block;
}

button {
  font: inherit;
}

.container {
  width: min(1140px, calc(100% - 40px));
  margin-inline: auto;
}

.sr-only,
.skip-link {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link:focus {
  top: 12px;
  left: 12px;
  width: auto;
  height: auto;
  margin: 0;
  padding: 10px 14px;
  clip: auto;
  z-index: 100;
  background: var(--paper);
  border: 2px solid var(--gold);
}

.icon {
  flex: 0 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid rgba(220, 227, 232, 0.85);
  backdrop-filter: blur(16px);
}

.header-inner {
  min-height: var(--header-height);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 22px;
}

.brand,
.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
}

.brand-mark {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  font-weight: 800;
  letter-spacing: 0;
  box-shadow: inset 0 -3px 0 rgba(216, 161, 54, 0.6);
}

.brand-copy {
  display: grid;
  line-height: 1.15;
}

.brand-copy strong {
  font-size: 1rem;
}

.brand-copy small {
  color: var(--muted);
  font-size: 0.78rem;
}

.primary-nav {
  justify-self: center;
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 5px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(244, 247, 248, 0.9);
}

.primary-nav a {
  padding: 8px 13px;
  border-radius: 6px;
  color: #2d3b43;
  font-size: 0.94rem;
  font-weight: 650;
}

.primary-nav a:hover,
.primary-nav a:focus-visible {
  color: var(--navy);
  background: var(--paper);
  outline: none;
}

.header-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 8px;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--navy);
}

.button,
.icon-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 0 18px;
  border: 1px solid var(--navy);
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  font-weight: 750;
  transition: transform 180ms ease, background 180ms ease, color 180ms ease, border-color 180ms ease;
}

.button:hover,
.button:focus-visible,
.icon-button:hover,
.icon-button:focus-visible {
  transform: translateY(-1px);
  background: var(--petrol);
  border-color: var(--petrol);
  outline: none;
}

.button-small {
  min-height: 40px;
  padding-inline: 13px;
  font-size: 0.9rem;
}

.icon-button {
  width: 42px;
  min-height: 42px;
  padding: 0;
}

.button-ghost {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff;
}

.button-ghost:hover,
.button-ghost:focus-visible {
  background: #fff;
  border-color: #fff;
  color: var(--navy);
}

.button-ghost-light {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.55);
  color: #fff;
}

.button-secondary {
  background: var(--soft);
  border-color: var(--line);
  color: var(--navy);
}

.button-whatsapp {
  background: var(--green);
  border-color: var(--green);
  color: #fff;
}

.button-whatsapp:hover,
.button-whatsapp:focus-visible {
  background: #236f55;
  border-color: #236f55;
  color: #fff;
}

.floating-whatsapp {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 35;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 50px;
  padding: 0 18px;
  border-radius: 8px;
  background: var(--green);
  color: #fff;
  font-weight: 850;
  box-shadow: 0 14px 34px rgba(45, 127, 98, 0.32);
}

.floating-whatsapp:hover,
.floating-whatsapp:focus-visible {
  background: #236f55;
  outline: none;
  transform: translateY(-1px);
}

.hero {
  position: relative;
  min-height: calc(100svh - 138px);
  display: grid;
  align-items: center;
  overflow: hidden;
  color: #fff;
  padding: clamp(72px, 10vw, 116px) 0 clamp(44px, 7vw, 76px);
  isolation: isolate;
}

.hero-image,
.hero-shade {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-image {
  object-fit: cover;
  object-position: center;
  z-index: -3;
}

.hero-shade {
  z-index: -2;
  background:
    linear-gradient(90deg, rgba(8, 24, 30, 0.92) 0%, rgba(8, 24, 30, 0.82) 36%, rgba(8, 24, 30, 0.35) 70%, rgba(8, 24, 30, 0.16) 100%),
    linear-gradient(0deg, rgba(8, 24, 30, 0.28), rgba(8, 24, 30, 0.05));
}

.hero-inner {
  width: min(1140px, calc(100% - 40px));
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.hero h1,
.service-hero h1 {
  max-width: 680px;
  margin: 0;
  font-size: clamp(3rem, 8vw, 6.8rem);
  line-height: 0.95;
  letter-spacing: 0;
}

.hero-lead,
.service-hero p {
  max-width: 660px;
  margin: 22px 0 0;
  color: rgba(255, 255, 255, 0.9);
  font-size: clamp(1.06rem, 2.1vw, 1.36rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.hero-points {
  display: grid;
  gap: 9px;
  max-width: 720px;
  margin: 30px 0 0;
  padding: 0;
  list-style: none;
}

.hero-points li {
  display: flex;
  align-items: center;
  gap: 9px;
  color: rgba(255, 255, 255, 0.9);
}

.hero-points svg {
  color: var(--gold);
}

.quote-strip {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.quote-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-inline: 1px solid var(--line);
}

.quote-grid a {
  min-height: 86px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 12px;
  padding: 18px 22px;
  background: var(--paper);
  color: var(--navy);
  font-weight: 800;
}

.quote-grid a:hover,
.quote-grid a:focus-visible {
  background: var(--soft);
  outline: none;
}

.section {
  padding: clamp(64px, 8vw, 104px) 0;
}

.section-muted {
  background: var(--soft);
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 36px;
  text-align: center;
}

.section-heading-left {
  margin-inline: 0;
  text-align: left;
}

.section-heading h2,
.two-column h2,
.process-copy h2,
.contact-section h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.35rem);
  line-height: 1.05;
  letter-spacing: 0;
}

.section-heading p:not(.eyebrow),
.two-column p,
.process-copy p,
.contact-section p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.04rem;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
}

.service-grid-compact {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-card {
  min-height: 265px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  box-shadow: 0 8px 28px rgba(13, 39, 48, 0.06);
}

.service-card:hover,
.service-card:focus-visible {
  border-color: rgba(27, 91, 99, 0.45);
  box-shadow: var(--shadow);
  outline: none;
  transform: translateY(-2px);
}

.service-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: #e8f2f0;
  color: var(--petrol);
}

.service-icon-large {
  width: 66px;
  height: 66px;
  margin-bottom: 18px;
  background: rgba(255, 255, 255, 0.12);
  color: var(--gold);
}

.service-card h3 {
  margin: 18px 0 8px;
  color: var(--navy);
  font-size: 1.12rem;
  line-height: 1.2;
}

.service-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.96rem;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: auto;
  padding-top: 18px;
  color: var(--petrol);
  font-weight: 850;
  font-size: 0.94rem;
}

.two-column,
.process-grid,
.contact-grid,
.service-layout,
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
  gap: clamp(28px, 5vw, 64px);
  align-items: start;
}

.area-panel,
.keyword-panel,
.side-contact {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  padding: 26px;
  box-shadow: 0 8px 28px rgba(13, 39, 48, 0.06);
}

.area-panel h3,
.keyword-panel h3,
.side-contact h2 {
  margin: 0 0 18px;
  color: var(--navy);
  font-size: 1.25rem;
}

.area-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
}

.area-tags span {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 0 12px;
  border: 1px solid #cbd7dc;
  border-radius: 8px;
  background: #fff;
  color: #2d3b43;
  font-size: 0.93rem;
  font-weight: 700;
}

.steps {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.steps li {
  position: relative;
  min-height: 96px;
  padding: 22px 22px 22px 82px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.steps li::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  position: absolute;
  left: 22px;
  top: 22px;
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  font-weight: 850;
}

.steps strong {
  display: block;
  color: var(--navy);
  font-size: 1.05rem;
}

.steps span {
  display: block;
  margin-top: 5px;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-list details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  overflow: hidden;
}

.faq-list summary {
  cursor: pointer;
  padding: 18px 20px;
  color: var(--navy);
  font-weight: 850;
}

.faq-list p {
  margin: 0;
  padding: 0 20px 20px;
  color: var(--muted);
}

.contact-section {
  padding: clamp(64px, 8vw, 104px) 0;
  background: var(--navy);
  color: #fff;
}

.contact-section h2 {
  color: #fff;
}

.contact-section p {
  color: rgba(255, 255, 255, 0.78);
}

.contact-actions {
  display: grid;
  gap: 12px;
}

.contact-actions .button {
  width: 100%;
}

.service-hero {
  padding: clamp(74px, 9vw, 124px) 0;
  background:
    linear-gradient(90deg, rgba(14, 39, 48, 0.96), rgba(27, 91, 99, 0.88)),
    image-set(
      url("../images/hero-insurance.91dcc692f293.webp") type("image/webp"),
      url("../images/hero-insurance.7adbe3e8c236.png") type("image/png")
    ) center / cover;
  color: #fff;
}

.service-hero-inner {
  max-width: 860px;
}

.back-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 24px;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 800;
}

.back-link svg {
  transform: rotate(180deg);
}

.service-layout {
  grid-template-columns: minmax(0, 1fr) 340px;
}

.benefit-list {
  display: grid;
  gap: 10px;
  margin: 30px 0;
}

.benefit-item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 12px;
  align-items: start;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.benefit-item span {
  color: var(--green);
  padding-top: 2px;
}

.benefit-item p,
.side-contact p {
  margin: 0;
  color: var(--muted);
}

.side-contact {
  position: sticky;
  top: calc(var(--header-height) + 20px);
  display: grid;
  gap: 14px;
}

.site-footer {
  padding: 52px 0 22px;
  background: #10191d;
  color: rgba(255, 255, 255, 0.72);
}

.footer-grid {
  grid-template-columns: 1.2fr 0.7fr 0.9fr;
  gap: 34px;
}

.footer-brand {
  color: #fff;
  font-weight: 850;
}

.site-footer p {
  max-width: 440px;
  margin: 18px 0 0;
}

.site-footer h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: 1rem;
}

.site-footer a,
.site-footer span {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 9px 0;
}

.site-footer a:hover,
.site-footer a:focus-visible {
  color: #fff;
  outline: none;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  margin-top: 34px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
}

@media (max-width: 1060px) {
  .service-grid,
  .service-grid-compact {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .header-inner {
    grid-template-columns: auto auto;
  }

  .primary-nav {
    order: 3;
    grid-column: 1 / -1;
    justify-self: stretch;
    justify-content: center;
  }

  .header-actions {
    justify-self: end;
  }
}

@media (max-width: 820px) {
  :root {
    --header-height: 68px;
  }

  .container,
  .hero-inner {
    width: min(100% - 28px, 1140px);
  }

  .header-inner {
    min-height: var(--header-height);
    grid-template-columns: 1fr auto;
    gap: 12px;
  }

  .brand-mark {
    width: 40px;
    height: 40px;
  }

  .nav-toggle {
    display: grid;
  }

  .primary-nav,
  .header-actions {
    display: none;
  }

  .primary-nav.is-open {
    display: grid;
    position: fixed;
    top: var(--header-height);
    left: 14px;
    right: 14px;
    padding: 10px;
    background: #fff;
    border: 1px solid var(--line);
    box-shadow: var(--shadow);
  }

  .primary-nav.is-open a {
    padding: 14px;
  }

  .hero {
    min-height: calc(100svh - 118px);
    padding-top: 62px;
  }

  .hero h1,
  .service-hero h1 {
    font-size: clamp(3rem, 17vw, 5.6rem);
  }

  .hero-shade {
    background:
      linear-gradient(90deg, rgba(8, 24, 30, 0.9), rgba(8, 24, 30, 0.7)),
      linear-gradient(0deg, rgba(8, 24, 30, 0.34), rgba(8, 24, 30, 0.08));
  }

  .quote-grid {
    grid-template-columns: 1fr;
  }

  .service-grid,
  .service-grid-compact,
  .two-column,
  .process-grid,
  .contact-grid,
  .service-layout,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .service-card {
    min-height: 220px;
  }

  .side-contact {
    position: static;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (max-width: 520px) {
  .brand-copy small {
    display: none;
  }

  .hero-actions {
    display: grid;
  }

  .button {
    width: 100%;
  }

  .floating-whatsapp {
    right: 14px;
    bottom: 14px;
    width: 52px;
    height: 52px;
    min-height: 52px;
    padding: 0;
  }

  .floating-whatsapp span {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }

  .hero-points li {
    align-items: flex-start;
  }

  .section-heading h2,
  .two-column h2,
  .process-copy h2,
  .contact-section h2 {
    font-size: 2rem;
  }

  .steps li {
    padding-left: 20px;
    padding-top: 78px;
  }
}