:root {
  --bg: #0f1214;
  --bg-soft: #161b1f;
  --panel: #1c2328;
  --line: rgba(255,255,255,0.08);
  --text: #f4f7f8;
  --muted: #b8c0c5;
  --green: #119b67;
  --green-2: #16c27f;
  --dark-green: #0c6d49;
  --shadow: 0 24px 60px rgba(0,0,0,0.28);
  --radius: 18px;
  --container: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Montserrat', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.container { width: min(var(--container), calc(100% - 32px)); margin: 0 auto; }
.topbar {
  background: linear-gradient(90deg, var(--dark-green), var(--green));
  color: #fff;
  font-size: 14px;
}
.topbar-inner {
  display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 10px 0;
}
.topbar a { font-weight: 700; }
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(15,18,20,0.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 16px 0;
}
.logo-wrap { display:flex; align-items:center; gap:12px; }
.logo-mark {
  width: 52px; height: 52px; border-radius: 14px; display:grid; place-items:center;
  background: linear-gradient(135deg, var(--green-2), var(--dark-green)); font-weight:800;
  box-shadow: var(--shadow);
}
.logo-title { font-weight: 800; letter-spacing: .02em; }
.logo-sub { color: var(--muted); font-size: 12px; }
.nav { display:flex; gap:22px; color: var(--muted); font-size: 14px; }
.nav a:hover { color: #fff; }
.btn {
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding: 14px 22px; border-radius: 14px; font-weight: 700; transition: .2s ease;
  border: 1px solid transparent;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: linear-gradient(135deg, var(--green-2), var(--green)); color: #fff; box-shadow: 0 16px 40px rgba(17,155,103,.28); }
.btn-secondary, .btn-outline { border-color: rgba(255,255,255,.14); background: rgba(255,255,255,.04); color:#fff; }
.btn-block { width:100%; }
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at top right, rgba(17,155,103,.22), transparent 30%),
    linear-gradient(rgba(10,12,14,.78), rgba(10,12,14,.88)),
    url('https://images.unsplash.com/photo-1503376780353-7e6692767b70?auto=format&fit=crop&w=1600&q=80') center/cover;
}
.hero-overlay { position:absolute; inset:0; pointer-events:none; }
.hero-grid {
  position: relative;
  display:grid; grid-template-columns: 1.15fr .85fr; gap: 32px; align-items:center;
  padding: 78px 0 56px;
}
.eyebrow { text-transform: uppercase; letter-spacing: .18em; font-size: 12px; color: #d5dfe3; font-weight: 700; }
.eyebrow.green { color: #89ecc2; }
.hero h1 { font-size: clamp(2.4rem, 5vw, 4.3rem); line-height: 1.02; margin: 10px 0 18px; max-width: 760px; }
.hero-text { max-width: 640px; color: var(--muted); font-size: 1.05rem; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; margin: 24px 0 22px; }
.trust-pills { display:flex; gap:10px; flex-wrap:wrap; }
.trust-pills span {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.08);
  padding: 10px 14px; border-radius: 999px; color: #d9e3e7; font-size: 13px;
}
.lead-card {
  background: rgba(28,35,40,.95); border: 1px solid var(--line); border-radius: 22px;
  padding: 28px; box-shadow: var(--shadow);
}
.lead-card h2 { margin-top:0; margin-bottom: 6px; }
.lead-card p { color: var(--muted); margin-top:0; }
form { display:grid; gap: 12px; margin-top: 16px; }
input, select, textarea {
  width:100%; padding: 14px 16px; border-radius: 14px; border: 1px solid rgba(255,255,255,.08);
  background: rgba(255,255,255,.04); color: #fff; font: inherit;
}
input::placeholder, textarea::placeholder { color: #9fb0b7; }
.form-note { font-size: 12px; color: #9fb0b7; margin-top: 12px; }
.form-success { font-size: 14px; color: #9bf0c9; min-height: 20px; margin-top: 10px; }
.trust-bar { background: #12171b; border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.trust-grid { display:grid; grid-template-columns: repeat(4,1fr); gap:14px; padding: 22px 0; }
.trust-item {
  text-align:center; background: rgba(255,255,255,.03); border:1px solid var(--line);
  border-radius: 16px; padding: 16px 12px; font-weight: 600; color: #deece5;
}
.section { padding: 84px 0; }
.section.alt { background: var(--bg-soft); }
.section-heading { margin-bottom: 34px; }
.section-heading.center { text-align:center; max-width: 760px; margin: 0 auto 34px; }
.section h2 { font-size: clamp(1.9rem, 3vw, 3rem); line-height: 1.1; margin: 8px 0 12px; }
.section p { color: var(--muted); }
.cards { display:grid; gap: 22px; }
.three-up { grid-template-columns: repeat(3,1fr); }
.card {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow);
}
.step-card { position: relative; padding-top: 72px; }
.step-number {
  position:absolute; top: 24px; left: 24px; width: 36px; height: 36px; border-radius: 12px;
  display:grid; place-items:center; background: linear-gradient(135deg, var(--green-2), var(--dark-green)); font-weight:800;
}
.split { display:grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items:center; }
.split.reverse { grid-template-columns: 1fr 1fr; }
.image-panel, .content-panel { min-width:0; }
.image-placeholder {
  min-height: 420px; border-radius: 24px; border:1px solid var(--line);
  background:
    linear-gradient(rgba(10,12,14,.45), rgba(10,12,14,.65)),
    radial-gradient(circle at top left, rgba(17,155,103,.22), transparent 28%),
    url('https://images.unsplash.com/photo-1489824904134-891ab64532f1?auto=format&fit=crop&w=1400&q=80') center/cover;
  display:flex; align-items:flex-end; padding: 28px; box-shadow: var(--shadow);
}
.insurance-visual {
  background:
    linear-gradient(rgba(10,12,14,.45), rgba(10,12,14,.65)),
    radial-gradient(circle at top left, rgba(17,155,103,.22), transparent 28%),
    url('https://images.unsplash.com/photo-1511919884226-fd3cad34687c?auto=format&fit=crop&w=1400&q=80') center/cover;
}
.image-copy { display:flex; flex-direction:column; gap:8px; }
.image-copy span { font-size: 13px; text-transform: uppercase; letter-spacing: .16em; color:#d1f5e5; }
.image-copy strong { font-size: 2rem; max-width: 320px; }
.check-list { list-style: none; padding: 0; margin: 18px 0 26px; display:grid; gap:12px; }
.check-list li {
  padding-left: 34px; position: relative; color: #eaf4f1;
}
.check-list li::before {
  content: '✓'; position:absolute; left:0; top:0; width: 22px; height:22px; border-radius: 50%;
  display:grid; place-items:center; background: rgba(17,155,103,.16); color: #8ff2c8; font-weight:800;
}
.urgency { background: linear-gradient(180deg, rgba(17,155,103,.08), transparent); }
.urgency-wrap, .final-cta-inner {
  display:flex; justify-content:space-between; align-items:center; gap: 24px;
  background: rgba(255,255,255,.03); border:1px solid var(--line); border-radius: 22px; padding: 30px;
}
.mini-grid { display:grid; grid-template-columns: repeat(2,1fr); gap: 12px; margin-top: 20px; }
.mini-card { background: rgba(255,255,255,.04); border:1px solid var(--line); padding: 16px; border-radius: 16px; color:#e6f3ed; }
.stars { color: #8ff2c8; letter-spacing: .15em; margin-bottom: 12px; }
.city-grid { display:grid; grid-template-columns: repeat(4,1fr); gap: 14px; }
.city-grid span { text-align:center; padding: 16px; border-radius: 14px; background: var(--panel); border:1px solid var(--line); }
.final-cta { padding: 0 0 92px; }
.cta-actions { display:flex; gap: 14px; flex-wrap: wrap; }
.site-footer { border-top:1px solid var(--line); padding: 38px 0 100px; background: #0b0e10; }
.footer-grid { display:grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 24px; }
.site-footer h4 { margin-top:0; margin-bottom: 12px; }
.site-footer a { display:block; color: var(--muted); margin-bottom: 10px; }
.footer-logo { margin-bottom: 10px; }
.mobile-sticky {
  display:none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  background: rgba(11,14,16,.97); border-top:1px solid var(--line); padding: 10px 12px;
  grid-template-columns: 1fr 1fr; gap: 10px;
}
.mobile-sticky a { text-align:center; padding: 14px 12px; border-radius: 12px; font-weight: 800; }
.mobile-call { background: rgba(255,255,255,.06); color: #fff; }
.mobile-cta { background: linear-gradient(135deg, var(--green-2), var(--green)); color:#fff; }
@media (max-width: 1024px) {
  .nav { display:none; }
  .hero-grid, .split, .split.reverse, .three-up, .footer-grid, .city-grid, .trust-grid { grid-template-columns: 1fr; }
  .urgency-wrap, .final-cta-inner { flex-direction: column; align-items:flex-start; }
}
@media (max-width: 768px) {
  .header-inner { padding: 12px 0; }
  .btn-outline { display:none; }
  .hero-grid { padding: 52px 0 38px; }
  .section { padding: 68px 0; }
  .mobile-sticky { display:grid; }
  .site-footer { padding-bottom: 120px; }
  .topbar-inner { flex-direction: column; align-items:flex-start; }
}