@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,500;1,9..144,600&family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

:root{
  --navy-deep:#0A1E32;
  --navy:#122F4C;
  --navy-soft:#1D4269;
  --paper:#F5F2E9;
  --paper-dim:#ECE7D8;
  --ink:#0A1E32;
  --ink-soft:#54606E;
  --gold:#B78A3E;
  --gold-soft:#E6CB92;
  --gold-deep:#8C6425;
  --line:#DCD5C2;
  --ok:#3E7A54;
  --warn:#B4472E;
  --serif:'Fraunces',serif;
  --sans:'IBM Plex Sans','Segoe UI',system-ui,sans-serif;
  --mono:'IBM Plex Mono','SFMono-Regular',Consolas,monospace;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
h1,h2,h3{font-family:var(--serif);color:var(--navy-deep);margin:0;}
p{margin:0;}
a{color:inherit;}

.accent-italic{font-style:italic;color:var(--gold);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 26px;border-radius:2px;font-family:var(--sans);font-weight:600;font-size:15px;
  text-decoration:none;border:none;cursor:pointer;letter-spacing:.01em;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn-gold{
  background:var(--gold);color:var(--navy-deep);
  box-shadow:0 1px 0 rgba(0,0,0,.05);
}
.btn-gold:hover{background:var(--gold-soft);transform:translateY(-1px);}
.btn-lg{padding:16px 34px;font-size:16px;}
.btn-header{padding:10px 20px;font-size:13.5px;}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:40;
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 28px;background:rgba(245,242,233,.88);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.brand{display:flex;align-items:center;}
.brand-logo{height:38px;width:auto;}

/* ---------- Hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(ellipse 900px 500px at 82% -10%, rgba(183,138,62,.20), transparent 60%),
    radial-gradient(ellipse 700px 500px at -5% 110%, rgba(29,66,105,.35), transparent 60%),
    var(--navy-deep);
  padding:96px 28px 130px;
}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.hero-inner{max-width:760px;margin:0 auto;position:relative;text-align:center;}
.eyebrow{
  font-family:var(--mono);font-size:12px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-soft);margin-bottom:22px;
  opacity:0;animation:fadeUp .7s ease forwards;
}
.hero-title{
  font-size:clamp(36px,6vw,58px);font-weight:600;color:#fff;line-height:1.12;letter-spacing:-.01em;
  opacity:0;animation:fadeUp .7s ease .1s forwards;
}
.hero-sub{
  margin:26px auto 0;max-width:520px;color:rgba(255,255,255,.72);font-size:17px;line-height:1.65;
  opacity:0;animation:fadeUp .7s ease .2s forwards;
}
.hero .btn-lg{
  margin-top:34px;
  opacity:0;animation:fadeUp .7s ease .3s forwards;
}
.hero-float-card{
  margin:56px auto 0;max-width:420px;background:rgba(255,255,255,.06);border:1px solid rgba(230,203,146,.28);
  border-radius:6px;padding:20px 24px;text-align:left;backdrop-filter:blur(6px);
  opacity:0;animation:fadeUp .7s ease .4s forwards;
}
.hfc-row{
  display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.85);font-size:14.5px;padding:6px 0;
}
.hfc-dot{width:6px;height:6px;border-radius:50%;background:var(--gold-soft);flex:none;}

@keyframes fadeUp{from{opacity:0;transform:translateY(16px);}to{opacity:1;transform:translateY(0);}}

/* ---------- Partners ---------- */
.partners{padding:34px 28px;text-align:center;border-bottom:1px solid var(--line);}
.partners-label{
  font-family:var(--mono);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft);
  margin-bottom:14px;
}
.partners-row{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;}
.partner-wordmark{font-family:var(--serif);font-weight:600;font-size:19px;color:var(--navy);}
.partner-sep{color:var(--gold);font-size:19px;}

/* ---------- Section shells ---------- */
.section-head{max-width:640px;margin:0 auto 44px;text-align:center;}
.section-kicker{
  font-family:var(--mono);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);
  margin-bottom:10px;
}
.section-title{font-size:clamp(26px,4vw,34px);font-weight:600;}

.quote-section{padding:90px 24px;max-width:920px;margin:0 auto;}
.why{padding:90px 24px;max-width:1080px;margin:0 auto;}
.results-section{padding:0 24px 90px;max-width:1240px;margin:0 auto;display:none;}
.results-section.is-visible{display:block;}

/* ---------- Form ---------- */
.quote-form{display:flex;flex-direction:column;gap:24px;}
.form-panel{
  background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px 30px;
}
.panel-title{
  font-size:15px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--navy);
  margin-bottom:20px;font-family:var(--sans);
}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px;}
.field-full{grid-column:1 / -1;}
.field label{
  display:block;font-size:12.5px;font-weight:600;color:var(--ink-soft);margin-bottom:6px;
  text-transform:uppercase;letter-spacing:.03em;
}
.field .optional{text-transform:none;font-weight:400;color:#9aa3ac;}
.field input,.field select{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:4px;
  font-family:var(--sans);font-size:15px;background:var(--paper);color:var(--ink);
}
.field input:focus,.field select:focus{outline:2px solid var(--navy-soft);outline-offset:1px;border-color:var(--navy-soft);}
.btn-submit{align-self:center;margin-top:6px;}

@media (max-width:640px){
  .field-grid{grid-template-columns:1fr;}
}

/* ---------- Results: comparison table ---------- */
.results-vehicle{margin-top:10px;font-family:var(--mono);font-size:13.5px;color:var(--ink-soft);}

.cmp-wrap{
  overflow-x:auto;border:1px solid var(--line);border-radius:10px;background:#fff;
  -webkit-overflow-scrolling:touch;
}
.cmp-table{
  display:grid;grid-template-columns:minmax(190px,1.4fr) repeat(4,minmax(165px,1fr));
  min-width:920px;
  opacity:0;transform:translateY(10px);animation:fadeUp .5s ease forwards;
}

.cmp-cell{
  padding:10px 14px;border-bottom:1px solid var(--line);border-left:1px solid var(--line);
  font-size:13px;display:flex;align-items:center;color:var(--ink);
}
.cmp-cell.cmp-col-first{border-left:none;}

.cmp-label{color:var(--ink-soft);font-weight:600;font-size:12.5px;line-height:1.35;}

.cmp-section{
  grid-column:1 / -1;background:var(--paper-dim);color:var(--gold-deep);font-weight:700;
  font-size:11px;text-transform:uppercase;letter-spacing:.06em;padding:8px 14px;
  border-bottom:1px solid var(--line);
}

.cmp-value{justify-content:center;text-align:center;}
.cmp-value.muted{color:#a9a2b8;font-style:italic;font-size:12px;}
.cmp-value.no{color:#c2c2c2;}
.cmp-value.yes{color:var(--ok);font-weight:600;}
.cmp-value .v-mono{font-family:var(--mono);font-weight:600;}

.cmp-head{
  padding:22px 14px 18px;text-align:center;flex-direction:column;border-bottom:2px solid var(--line);
}
.cmp-head .insurer{font-family:var(--mono);font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-deep);}
.cmp-head .plan{font-family:var(--serif);font-size:17px;font-weight:600;color:var(--navy-deep);margin-top:3px;}
.cmp-head .price{font-family:var(--mono);font-size:20px;font-weight:600;color:var(--navy-deep);margin-top:12px;}
.cmp-head .price-sub{font-size:10.5px;color:var(--ink-soft);margin-top:6px;line-height:1.5;}
.cmp-head .excluded-note{
  margin-top:10px;padding:9px 10px;border-radius:4px;font-size:11px;line-height:1.5;text-align:left;
  background:#FBEDE8;border:1px solid var(--warn);color:#8A3117;
}
.cmp-head.placeholder .soon-note{
  margin-top:10px;padding:9px 10px;border-radius:4px;font-size:11px;line-height:1.5;text-align:left;
  background:rgba(183,138,62,.12);border:1px solid var(--gold-deep);color:var(--gold-deep);
}

.cmp-foot{padding:16px 14px;flex-direction:column;}
.cmp-foot .btn{width:100%;}
.cmp-foot.placeholder .btn-gold{background:transparent;border:1.5px solid var(--gold-deep);color:var(--gold-deep);}
.cmp-foot.placeholder .btn-gold:hover{background:var(--gold-deep);color:#fff;}

.link-reset{
  display:block;margin:24px auto 0;background:none;border:none;color:var(--ink-soft);
  font-family:var(--sans);font-size:14px;cursor:pointer;text-decoration:underline;text-underline-offset:3px;
}

/* ---------- Why ---------- */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
@media (max-width:880px){.why-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:520px){.why-grid{grid-template-columns:1fr;}}
.why-card{
  background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px 22px;
  opacity:0;transform:translateY(14px);transition:opacity .6s ease, transform .6s ease;
}
.why-card.in-view{opacity:1;transform:translateY(0);}
.why-icon{color:var(--gold);font-size:18px;margin-bottom:14px;}
.why-card h3{font-size:16.5px;font-weight:600;margin-bottom:8px;}
.why-card p{font-size:14px;color:var(--ink-soft);line-height:1.55;}

/* ---------- Contact ---------- */
.contact{
  background:var(--navy);color:#fff;text-align:center;padding:90px 24px;
}
.contact-title{color:#fff;font-size:clamp(24px,4vw,32px);font-weight:600;max-width:600px;margin:0 auto;}
.contact-sub{display:block;margin:16px auto 30px;color:rgba(255,255,255,.72);max-width:480px;}

/* ---------- Footer ---------- */
.site-footer{
  text-align:center;padding:44px 24px 50px;background:var(--paper-dim);border-top:1px solid var(--line);
}
.footer-logo{height:28px;width:auto;margin:0 auto 14px;opacity:.85;}
.site-footer p{font-size:13px;color:var(--ink-soft);margin-top:6px;}
.disclaimer{max-width:520px;margin:14px auto 0;font-size:11.5px;line-height:1.6;color:#8b93a0;}