:root {
  color-scheme: light;
  --ink: #142033;
  --muted: #5d697a;
  --paper: #ffffff;
  --wash: #f3f7fb;
  --line: #d9e3ee;
  --navy: #12244d;
  --blue: #2468d8;
  --blue-dark: #174aa0;
  --green: #21835f;
  --amber: #d99b26;
  --coral: #cf5a44;
  --shadow: 0 24px 70px rgba(13, 34, 64, 0.16);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.5;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 30;
  transform: translateY(-150%);
  padding: 10px 14px;
  color: #fff;
  background: var(--navy);
  border-radius: 6px;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 72px;
  padding: 12px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.95);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--green));
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 900;
}

.brand strong {
  display: block;
  font-size: 1.04rem;
  line-height: 1.1;
}

.brand small {
  display: block;
  margin-top: 2px;
  color: var(--muted);
  font-size: 0.78rem;
}

.top-nav,
.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 24px;
  align-items: center;
  font-weight: 800;
}

.top-nav a,
.site-footer a {
  text-decoration: none;
}

.top-nav a:hover,
.site-footer a:hover {
  color: var(--blue);
}

.hero {
  position: relative;
  min-height: calc(100vh - 72px);
  overflow: hidden;
  background: var(--wash);
}

.hero-media,
.hero-overlay {
  position: absolute;
  inset: 0;
}

.hero-media {
  background-image: url("assets/auto-insurance-hero.png");
  background-position: center right;
  background-size: cover;
}

.hero-overlay {
  background:
    linear-gradient(90deg, rgba(243, 247, 251, 0.98) 0%, rgba(243, 247, 251, 0.94) 42%, rgba(243, 247, 251, 0.5) 66%, rgba(243, 247, 251, 0.08) 100%),
    linear-gradient(180deg, rgba(18, 36, 77, 0.04), rgba(18, 36, 77, 0.12));
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(360px, 480px);
  gap: clamp(28px, 5vw, 70px);
  align-items: center;
  width: min(1180px, calc(100% - 36px));
  min-height: calc(100vh - 72px);
  margin: 0 auto;
  padding: clamp(38px, 6vw, 74px) 0;
}

.kicker {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  max-width: 12ch;
  margin: 0;
  color: var(--navy);
  font-size: clamp(3.3rem, 7vw, 6.6rem);
  line-height: 0.95;
  letter-spacing: 0;
}

.dek {
  max-width: 52ch;
  margin: 24px 0 0;
  color: #344153;
  font-size: clamp(1.08rem, 2vw, 1.24rem);
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.trust-row span {
  padding: 8px 12px;
  color: var(--navy);
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 850;
}

.quote-card {
  padding: clamp(22px, 4vw, 34px);
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(217, 227, 238, 0.9);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.form-topline {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  align-items: flex-start;
}

.form-eyebrow {
  margin: 0 0 4px;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 900;
  text-transform: uppercase;
}

.quote-card h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.65rem, 4vw, 2.2rem);
  line-height: 1.08;
}

.step-pill {
  flex: 0 0 auto;
  padding: 7px 10px;
  color: var(--blue-dark);
  background: #e8f0ff;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 900;
}

.progress {
  height: 8px;
  margin: 22px 0 24px;
  overflow: hidden;
  background: #e7edf5;
  border-radius: 999px;
}

.progress span {
  display: block;
  width: 25%;
  height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--green));
  border-radius: inherit;
  transition: width 180ms ease;
}

.hp-field {
  position: absolute;
  left: -9999px;
}

.form-step {
  display: none;
  margin: 0;
  padding: 0;
  border: 0;
}

.form-step.is-active {
  display: block;
}

legend {
  width: 100%;
  margin-bottom: 18px;
  color: var(--navy);
  font-size: 1.16rem;
  font-weight: 900;
}

.field-label {
  display: block;
  margin: 16px 0 7px;
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 900;
}

input,
select {
  width: 100%;
  min-height: 52px;
  padding: 0 14px;
  color: var(--ink);
  background: #fff;
  border: 1px solid #c9d5e4;
  border-radius: 7px;
  font: inherit;
  font-weight: 720;
}

input:focus,
select:focus {
  outline: 3px solid rgba(36, 104, 216, 0.2);
  border-color: var(--blue);
}

.field-help {
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.two-col,
.option-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.option-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px;
  align-items: center;
  min-height: 58px;
  padding: 14px;
  color: var(--navy);
  background: #fff;
  border: 1px solid #c9d5e4;
  border-radius: 8px;
  font-weight: 850;
  cursor: pointer;
}

.option-card:has(input:checked) {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(33, 131, 95, 0.14);
}

.option-card input {
  width: 18px;
  min-height: 18px;
}

.consent {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px;
  margin-top: 18px;
  color: #455265;
  font-size: 0.78rem;
  line-height: 1.45;
}

.consent input {
  width: 18px;
  min-height: 18px;
  margin-top: 2px;
}

.consent a {
  color: var(--blue-dark);
  font-weight: 850;
}

.form-error {
  min-height: 22px;
  margin: 16px 0 0;
  color: #a33121;
  font-size: 0.92rem;
  font-weight: 850;
}

.form-actions {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
  margin-top: 18px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 20px;
  color: #fff;
  background: var(--blue);
  border: 0;
  border-radius: 7px;
  font: inherit;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
}

.button:hover {
  background: var(--blue-dark);
}

.button:disabled {
  cursor: not-allowed;
  opacity: 0.62;
}

.button-ghost {
  display: none;
  color: var(--navy);
  background: #edf3fb;
}

.button-ghost:hover {
  color: #fff;
}

#submit-button {
  display: none;
}

.success-panel {
  text-align: center;
}

.success-icon {
  display: grid;
  width: 54px;
  height: 54px;
  margin: 10px auto 18px;
  place-items: center;
  background: var(--green);
  border-radius: 50%;
}

.success-icon::before {
  width: 22px;
  height: 12px;
  content: "";
  border-bottom: 4px solid #fff;
  border-left: 4px solid #fff;
  transform: rotate(-45deg) translate(1px, -2px);
}

.button-dark {
  background: var(--navy);
}

.page-inner {
  width: min(1120px, calc(100% - 36px));
  margin: 0 auto;
}

.how-section {
  padding: clamp(48px, 8vw, 90px) 0;
  background: #fff;
}

.section-heading {
  max-width: 680px;
}

.section-heading h2,
.info-layout h2,
.legal-content h1 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(2.3rem, 5vw, 4.4rem);
  line-height: 0.98;
  letter-spacing: 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 34px;
}

.feature-grid article {
  padding: 24px;
  background: var(--wash);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.feature-number {
  display: grid;
  width: 34px;
  height: 34px;
  place-items: center;
  color: #fff;
  background: var(--green);
  border-radius: 50%;
  font-weight: 900;
}

.feature-grid h3 {
  margin: 18px 0 8px;
  color: var(--navy);
  font-size: 1.28rem;
}

.feature-grid p,
.info-layout p {
  margin: 0;
  color: var(--muted);
}

.info-band {
  padding: clamp(42px, 6vw, 72px) 0;
  color: #fff;
  background: linear-gradient(135deg, var(--navy), #1e614c);
}

.info-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: clamp(24px, 6vw, 72px);
  align-items: center;
}

.info-band .kicker {
  color: #f2c45e;
}

.info-layout h2 {
  color: #fff;
}

.info-layout p {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.site-footer {
  padding: 32px 0;
  color: #d6e1ec;
  background: #101826;
}

.footer-disclaimer {
  max-width: 1120px;
  margin: 0 0 22px;
  color: #b8c5d5;
  font-size: 0.78rem;
}

.site-footer nav {
  gap: 10px 18px;
  font-size: 0.86rem;
}

.copyright {
  margin: 18px 0 0;
  color: #8fa0b5;
  font-size: 0.82rem;
}

.legal-page {
  padding: clamp(44px, 8vw, 88px) 0;
  background: var(--wash);
}

.legal-content {
  width: min(880px, calc(100% - 36px));
  margin: 0 auto;
  padding: clamp(24px, 5vw, 48px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.legal-content h1 {
  max-width: 13ch;
  margin-bottom: 22px;
}

.legal-content h2 {
  margin: 34px 0 10px;
  color: var(--navy);
  font-size: 1.5rem;
}

.legal-content p,
.legal-content li {
  color: #344153;
}

.legal-content a {
  color: var(--blue-dark);
  font-weight: 850;
}

.advertorial-header {
  position: relative;
}

.advertorial-page {
  background: #f7fafc;
}

.advertorial-hero {
  position: relative;
  overflow: hidden;
  min-height: 620px;
  color: #fff;
  background: #152033;
}

.advertorial-hero-media {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(90deg, rgba(11, 24, 43, 0.94), rgba(11, 24, 43, 0.72) 50%, rgba(11, 24, 43, 0.24)),
    url("assets/auto-insurance-hero.png");
  background-position: center right;
  background-size: cover;
}

.advertorial-hero-inner {
  position: relative;
  display: grid;
  min-height: 620px;
  align-items: center;
  padding: clamp(48px, 7vw, 86px) 0;
}

.advertorial-title {
  max-width: 760px;
}

.advertorial-title h1 {
  max-width: 13ch;
  color: #fff;
  font-size: clamp(3.1rem, 7vw, 6.2rem);
}

.advertorial-title .dek {
  color: rgba(255, 255, 255, 0.86);
}

.advertorial-title .trust-row span {
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.28);
}

.ad-label {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
  margin: 0 0 18px;
  padding: 0 10px;
  color: #192333;
  background: #f1c95f;
  border-radius: 6px;
  font-size: 0.78rem;
  font-weight: 900;
  text-transform: uppercase;
}

.article-shell {
  padding: clamp(42px, 7vw, 78px) 0;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 430px);
  gap: clamp(30px, 5vw, 68px);
  align-items: start;
}

.article-body {
  max-width: 760px;
}

.article-byline {
  margin: 0 0 20px;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 850;
}

.lead-paragraph {
  color: var(--navy);
  font-size: clamp(1.22rem, 2vw, 1.48rem);
  line-height: 1.42;
}

.article-body h2 {
  margin: 42px 0 14px;
  color: var(--navy);
  font-size: clamp(1.95rem, 4vw, 3rem);
  line-height: 1.02;
}

.article-body p,
.article-body li {
  color: #344153;
  font-size: 1.04rem;
}

.article-callout {
  display: grid;
  gap: 8px;
  margin: 30px 0;
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 5px solid var(--green);
  border-radius: 8px;
  box-shadow: 0 14px 34px rgba(13, 34, 64, 0.08);
}

.article-callout strong {
  color: var(--navy);
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 34px;
}

.check-list li::before {
  position: absolute;
  top: 1px;
  left: 0;
  display: grid;
  width: 22px;
  height: 22px;
  place-items: center;
  color: #fff;
  background: var(--green);
  border-radius: 50%;
  content: "\2713";
  font-size: 0.82rem;
  font-weight: 900;
}

.mini-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 28px 0 4px;
}

.mini-steps div {
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.mini-steps span {
  display: grid;
  width: 30px;
  height: 30px;
  place-items: center;
  color: #fff;
  background: var(--blue);
  border-radius: 50%;
  font-weight: 900;
}

.mini-steps h3 {
  margin: 14px 0 6px;
  color: var(--navy);
  font-size: 1.05rem;
}

.mini-steps p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.article-cta {
  display: flex;
  gap: 24px;
  align-items: center;
  justify-content: space-between;
  margin: 38px 0;
  padding: clamp(22px, 4vw, 34px);
  color: #fff;
  background: linear-gradient(135deg, var(--navy), #1e614c);
  border-radius: 8px;
}

.article-cta h2 {
  max-width: 12ch;
  margin: 0;
  color: #fff;
}

.article-cta .kicker {
  color: #f1c95f;
}

.quote-rail {
  position: sticky;
  top: 94px;
}

.quote-rail .quote-card {
  box-shadow: 0 22px 58px rgba(13, 34, 64, 0.14);
}

@media (max-width: 940px) {
  .hero-inner,
  .info-layout,
  .article-layout {
    grid-template-columns: 1fr;
  }

  .hero-inner {
    align-items: start;
  }

  h1 {
    max-width: 13ch;
  }

  .quote-card {
    max-width: 620px;
  }

  .quote-rail {
    position: static;
  }

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

  .mini-steps {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 700px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .top-nav {
    width: 100%;
    justify-content: space-between;
  }

  .hero {
    min-height: auto;
  }

  .hero-overlay {
    background:
      linear-gradient(180deg, rgba(243, 247, 251, 0.96), rgba(243, 247, 251, 0.98) 58%, rgba(243, 247, 251, 0.78)),
      linear-gradient(180deg, rgba(18, 36, 77, 0.04), rgba(18, 36, 77, 0.12));
  }

  .hero-media {
    background-position: 68% center;
  }

  .hero-inner {
    min-height: auto;
    padding-top: 34px;
  }

  h1 {
    font-size: clamp(3rem, 13vw, 4.8rem);
  }

  .two-col,
  .option-grid {
    grid-template-columns: 1fr;
  }

  .form-actions {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .advertorial-hero,
  .advertorial-hero-inner {
    min-height: auto;
  }

  .advertorial-hero-media {
    background-image:
      linear-gradient(180deg, rgba(11, 24, 43, 0.96), rgba(11, 24, 43, 0.8)),
      url("assets/auto-insurance-hero.png");
    background-position: 68% center;
  }

  .advertorial-title h1 {
    font-size: clamp(2.8rem, 12vw, 4.5rem);
  }

  .article-cta {
    align-items: stretch;
    flex-direction: column;
  }
}

@media (max-width: 420px) {
  .brand small {
    display: none;
  }
}