/* ============================================================
   Insuredost — public website
   Modern fintech-clean. Brand: Insuredost (Pinakin Insurance Brokers Pvt Ltd).
   Accent: indigo (matches the flagship Vertex app) + emerald secondary.
   All colors are CSS variables — reskin the whole site by editing :root.
   ============================================================ */
:root{
  --indigo:#4F46E5; --indigo-600:#4338CA; --indigo-700:#3730A3;
  --violet:#7C3AED; --emerald:#059669; --emerald-500:#10B981;
  --ink:#0F172A; --slate:#475569; --muted:#64748B;
  --line:#E7E9F3; --bg:#FFFFFF; --bg-tint:#F6F7FD; --bg-tint2:#EEF0FB;
  --white:#fff; --amber:#F59E0B;
  --grad:linear-gradient(135deg,var(--indigo) 0%,var(--violet) 100%);
  --grad-soft:linear-gradient(135deg,#EEF0FB 0%,#F4EEFE 100%);
  --shadow-sm:0 1px 2px rgba(15,23,42,.06),0 1px 3px rgba(15,23,42,.05);
  --shadow:0 10px 30px -12px rgba(31,26,120,.20);
  --shadow-lg:0 30px 60px -20px rgba(31,26,120,.28);
  --r:14px; --r-lg:22px; --r-pill:999px;
  --container:1160px;
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{margin:0;line-height:1.15;letter-spacing:-.02em;font-weight:800}
p{margin:0}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.i{width:18px;height:18px;fill:currentColor;stroke:currentColor;stroke-width:0;flex:0 0 auto}
.grad{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;
  padding:12px 22px;border-radius:var(--r-pill);border:1.5px solid transparent;cursor:pointer;transition:.18s ease;white-space:nowrap}
.btn--primary{background:var(--grad);color:#fff;box-shadow:0 8px 20px -8px rgba(79,70,229,.6)}
.btn--primary:hover{transform:translateY(-2px);box-shadow:0 14px 26px -8px rgba(79,70,229,.65)}
.btn--ghost{background:#fff;color:var(--indigo);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--indigo);background:var(--bg-tint)}
.btn--white{background:#fff;color:var(--indigo-700)}
.btn--white:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.btn--lg{padding:15px 30px;font-size:16px}
.btn--block{width:100%}

/* ---------- topbar ---------- */
.topbar{background:var(--ink);color:#cbd2e6;font-size:13px}
.topbar__inner{display:flex;align-items:center;justify-content:space-between;height:40px;gap:16px}
.topbar__badge{display:inline-flex;align-items:center;gap:7px;font-weight:600;color:#fff}
.topbar__badge .i{width:15px;height:15px;color:var(--emerald-500)}
.topbar__links{display:flex;align-items:center;gap:16px}
.topbar__link{display:inline-flex;align-items:center;gap:6px;color:#cbd2e6;transition:.15s}
.topbar__link:hover{color:#fff}
.topbar__link .i{width:14px;height:14px;fill:none;stroke-width:1.8}
.topbar__sep{width:1px;height:16px;background:#33405c}

/* ---------- header ---------- */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header__inner{display:flex;align-items:center;justify-content:space-between;height:70px;gap:20px}
.brand{display:inline-flex;align-items:center;gap:11px}
.brand__mark{width:38px;height:38px;display:grid;place-items:center;border-radius:11px;background:var(--grad);box-shadow:0 6px 14px -6px rgba(79,70,229,.7)}
.brand__mark svg{width:26px;height:26px;fill:#fff}
.brand__logo{width:40px;height:40px;object-fit:contain;display:block}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.brand__name{font-weight:800;font-size:21px;letter-spacing:-.02em;color:var(--ink)}
.brand__name span{color:var(--indigo)}
.nav{display:flex;align-items:center;gap:22px}
.nav__link{font-weight:600;font-size:15px;color:var(--slate);transition:.15s;white-space:nowrap}
.nav__link:hover{color:var(--indigo)}
.nav__cta{margin-left:6px}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:24px;height:2.5px;background:var(--ink);border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--grad-soft)}
.hero__glow{position:absolute;inset:0;background:
  radial-gradient(600px 300px at 80% -10%,rgba(124,58,237,.18),transparent 70%),
  radial-gradient(500px 320px at 5% 110%,rgba(79,70,229,.14),transparent 70%);pointer-events:none}
.hero__inner{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:76px 24px 88px}
.eyebrow{display:inline-block;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--indigo);background:#fff;border:1px solid var(--line);padding:6px 14px;border-radius:var(--r-pill);margin-bottom:20px;box-shadow:var(--shadow-sm)}
.eyebrow--light{color:#fff;background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.25)}
.hero h1{font-size:clamp(34px,4.6vw,56px);letter-spacing:-.03em}
.hero__sub{margin-top:20px;font-size:18px;color:var(--slate);max-width:33em}
.hero__cta{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.hero__chips{list-style:none;margin:32px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:10px 20px}
.hero__chips li{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--slate)}
.hero__chips .i{width:18px;height:18px;color:var(--emerald);fill:var(--emerald)}
.hero__chips .i[stroke-width]{fill:none;stroke:var(--emerald)}

/* hero art — floating quote card */
.hero__art{display:flex;justify-content:center}
.hero__illus{width:100%;max-width:520px;height:auto;display:block;animation:float 6s ease-in-out infinite}
.quotecard{width:100%;max-width:380px;background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:22px;border:1px solid var(--line);animation:float 6s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.quotecard__row{display:flex;align-items:center;justify-content:space-between}
.quotecard__row--head{margin-bottom:16px}
.quotecard__row--head span:first-child{font-weight:800;font-size:16px}
.pill{font-size:12px;font-weight:700;padding:4px 11px;border-radius:var(--r-pill)}
.pill--ok{background:#DCFCE7;color:#047857}
.qitem{display:flex;align-items:center;gap:13px;padding:13px 0;border-top:1px solid var(--line)}
.qitem b{display:block;font-size:15px}
.qitem small{color:var(--muted);font-size:13px}
.qitem>div{flex:1}
.qitem__ic{width:40px;height:40px;border-radius:11px;flex:0 0 auto;background-size:20px;background-repeat:no-repeat;background-position:center}
.qitem__ic--motor{background-color:#EEF0FB;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.8'><path d='M3 13l2-5a3 3 0 013-2h8a3 3 0 013 2l2 5v5h-2a2 2 0 01-4 0H9a2 2 0 01-4 0H3z'/><circle cx='7.5' cy='16.5' r='.4'/><circle cx='16.5' cy='16.5' r='.4'/></svg>")}
.qitem__ic--health{background-color:#E7F7F0;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23059669' stroke-width='1.8'><path d='M12 21C7 17 4 13 4 9a5 5 0 019-3 5 5 0 019 3c0 4-3 8-8 12z'/><path d='M12 9v4M10 11h4'/></svg>")}
.qitem__ic--life{background-color:#F4EEFE;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237C3AED' stroke-width='1.8'><path d='M12 3l8 4v5c0 5-3.5 8-8 9-4.5-1-8-4-8-9V7z'/></svg>")}
.qitem__chk{width:22px;height:22px;border-radius:50%;flex:0 0 auto;background:var(--emerald);background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'><path d='M5 12l4 4 10-11'/></svg>");background-size:14px;background-repeat:no-repeat;background-position:center}
.quotecard__foot{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);text-align:center}

/* ---------- trust strip ---------- */
.trust{border-bottom:1px solid var(--line);background:#fff}
.trust__inner{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:26px 24px}
.trust__item{display:flex;flex-direction:column;gap:2px;padding-left:16px;border-left:3px solid var(--indigo)}
.trust__item strong{font-size:16px}
.trust__item span{font-size:13.5px;color:var(--muted)}

/* ---------- generic section ---------- */
.section{padding:84px 0}
.section--tint{background:var(--bg-tint)}
.section__head{max-width:680px;margin:0 auto 48px;text-align:center}
.section__head h2{font-size:clamp(27px,3.4vw,38px)}
.section__lead{margin-top:14px;font-size:17px;color:var(--slate)}
h2{font-size:clamp(27px,3.4vw,38px)}

/* ---------- products ---------- */
.grid{display:grid;gap:22px}
.grid--products{grid-template-columns:repeat(3,1fr)}
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow-sm);transition:.2s}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d9dcf0}
.pcard h3{font-size:19px;margin-bottom:8px}
.pcard p{color:var(--slate);font-size:14.5px}
.pcard__link{display:inline-block;margin-top:16px;font-weight:700;color:var(--indigo);font-size:14.5px}
.pcard__link:hover{color:var(--indigo-700)}
.pcard__illus{height:200px;border-radius:16px;background:linear-gradient(135deg,#EAF1FE 0%,#F4F8FF 100%);display:grid;place-items:center;margin-bottom:20px;padding:18px;overflow:hidden}
.pcard__illus img{max-width:100%;max-height:100%;width:auto;height:auto;object-fit:contain;display:block}
.pcard__ic{width:52px;height:52px;border-radius:14px;display:block;margin-bottom:18px;background:var(--grad-soft);background-size:26px;background-repeat:no-repeat;background-position:center}
.ic-motor{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M3 13l2-5a3 3 0 013-2h8a3 3 0 013 2l2 5v5h-2a2 2 0 01-4 0H9a2 2 0 01-4 0H3z'/><circle cx='7.5' cy='16.5' r='.5'/><circle cx='16.5' cy='16.5' r='.5'/></svg>")}
.ic-health{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M12 21C7 17 4 13 4 9a5 5 0 019-3 5 5 0 019 3c0 4-3 8-8 12z'/><path d='M12 8.5v5M9.5 11h5'/></svg>")}
.ic-life{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M12 3l8 4v5c0 5-3.5 8-8 9-4.5-1-8-4-8-9V7z'/><path d='M9 12l2 2 4-4'/></svg>")}
.ic-travel{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M10 3l1 7-6 3v2l6-1 1 5-2 1v1l3-1 3 1v-1l-2-1 1-5 6 1v-2l-6-3 1-7a1.5 1.5 0 00-3 0z'/></svg>")}
.ic-home{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M4 11l8-6 8 6v8a1 1 0 01-1 1h-4v-6H9v6H5a1 1 0 01-1-1z'/></svg>")}
.ic-business{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><rect x='3' y='8' width='18' height='12' rx='2'/><path d='M8 8V6a2 2 0 012-2h4a2 2 0 012 2v2M3 13h18'/></svg>")}

/* ---------- why ---------- */
.why__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.checklist{list-style:none;margin:24px 0 30px;padding:0;display:grid;gap:16px}
.checklist li{position:relative;padding-left:36px;color:var(--slate);font-size:15.5px}
.checklist li b{color:var(--ink)}
.checklist li::before{content:"";position:absolute;left:0;top:1px;width:24px;height:24px;border-radius:50%;background:var(--emerald);background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'><path d='M5 12l4 4 10-11'/></svg>");background-size:15px;background-repeat:no-repeat;background-position:center}
.why__stats{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.statcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:12px}
.statcard b{font-size:16px}
.statcard small{color:var(--muted);font-size:13px;line-height:1.45;display:block;margin-top:2px}
.statcard__ic{width:44px;height:44px;border-radius:12px;background:var(--grad-soft);background-size:23px;background-repeat:no-repeat;background-position:center}
.ic-shield{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M12 3l8 4v5c0 5-3.5 8-8 9-4.5-1-8-4-8-9V7z'/><path d='M9 12l2 2 4-4'/></svg>")}
.ic-compare{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M7 4v16M7 4l-3 4h6zM17 20V4M17 20l3-4h-6z'/></svg>")}
.ic-support{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M4 12a8 8 0 0116 0v4a2 2 0 01-2 2h-1v-6h3M4 12v4a2 2 0 002 2h1v-6H4'/></svg>")}
.ic-lock{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><rect x='5' y='11' width='14' height='9' rx='2'/><path d='M8 11V8a4 4 0 018 0v3'/></svg>")}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;position:relative;box-shadow:var(--shadow-sm)}
.step__n{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--grad);color:#fff;font-weight:800;font-size:18px;margin-bottom:16px}
.step h3{font-size:17px;margin-bottom:7px}
.step p{color:var(--slate);font-size:14px}

/* ---------- learn / accordion ---------- */
.learn{max-width:820px;margin:0 auto;display:grid;gap:14px}
.qa{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-sm);overflow:hidden}
.qa summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 22px;font-weight:700;font-size:16.5px;color:var(--ink)}
.qa summary::-webkit-details-marker{display:none}
.qa summary i{width:22px;height:22px;flex:0 0 auto;position:relative}
.qa summary i::before,.qa summary i::after{content:"";position:absolute;background:var(--indigo);border-radius:2px;transition:.25s}
.qa summary i::before{top:10px;left:3px;width:16px;height:2.5px}
.qa summary i::after{top:3px;left:10px;width:2.5px;height:16px}
.qa[open] summary i::after{transform:rotate(90deg);opacity:0}
.qa__body{padding:0 22px 22px;color:var(--slate);font-size:15px}
.qa__body b{color:var(--ink)}

/* ---------- POSP ---------- */
.posp{background:var(--grad);color:#fff;border-radius:0}
.posp__inner{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}
.posp h2{color:#fff;font-size:clamp(26px,3.2vw,36px)}
.posp p{color:rgba(255,255,255,.9);margin-top:14px;font-size:16.5px}
.posp__list{list-style:none;margin:26px 0 30px;padding:0;display:grid;gap:14px}
.posp__list li{display:flex;align-items:center;gap:12px;font-weight:600;font-size:15.5px}
.posp__list .i{width:22px;height:22px;color:#fff;fill:#fff;opacity:.95}
.posp__list .i[stroke]{fill:none;stroke:#fff}
.posp__card{display:flex;justify-content:center}
.earn{width:100%;max-width:360px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:var(--r-lg);padding:26px;backdrop-filter:blur(6px)}
.earn__label{font-size:13px;text-transform:uppercase;letter-spacing:.06em;opacity:.85;font-weight:700}
.earn__val{display:block;font-size:18px;font-weight:800;margin:8px 0 20px}
.earn__bars{display:flex;align-items:flex-end;gap:10px;height:120px}
.earn__bars span{flex:1;background:linear-gradient(to top,#fff,rgba(255,255,255,.55));border-radius:6px 6px 0 0;min-height:14px}
.earn__note{display:block;margin-top:16px;font-size:12px;opacity:.8}

/* ---------- lead form ---------- */
.lead__grid{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start}
.lead__points{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:14px}
.lead__points li{display:flex;align-items:center;gap:12px;color:var(--slate);font-weight:600}
.lead__points .i{width:22px;height:22px;color:var(--emerald);fill:none;stroke:var(--emerald)}
.lead__form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:14px;margin-bottom:7px;color:var(--ink)}
.field .opt{color:var(--muted);font-weight:500}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:15px;color:var(--ink);background:#fff;transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--indigo);box-shadow:0 0 0 4px rgba(79,70,229,.12)}
.field textarea{resize:vertical}
.field__err{display:none;color:#DC2626;font-size:12.5px;margin-top:5px;font-weight:600}
.field.invalid input,.field.invalid select{border-color:#DC2626}
.field.invalid .field__err{display:block}
.consent{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--slate);margin-bottom:18px}
.consent input{margin-top:3px;width:16px;height:16px;accent-color:var(--indigo);flex:0 0 auto}
.consent a{color:var(--indigo);font-weight:600}
.consent.invalid{color:#DC2626}
.lead__note{margin-top:14px;font-size:14px;font-weight:600;text-align:center;min-height:1.2em}
.lead__note.ok{color:var(--emerald)}
.lead__note.err{color:#DC2626}

/* ---------- about ---------- */
.about__grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
.about__grid .section__lead+.section__lead{margin-top:16px}
.about__values{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.value{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--shadow-sm)}
.value b{display:block;font-size:16px;margin-bottom:4px}
.value span{color:var(--muted);font-size:13.5px}

/* ---------- contact ---------- */
.contact__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.contact__card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;text-align:center;box-shadow:var(--shadow-sm)}
.contact__card h3{font-size:18px;margin:16px 0 8px}
.contact__card a{color:var(--indigo);font-weight:700}
.contact__card p{color:var(--muted);font-size:13.5px;margin-top:8px}
.contact__card address{font-style:normal;color:var(--slate);font-size:14.5px;line-height:1.6}
.contact__ic{width:52px;height:52px;border-radius:14px;margin:0 auto;background:var(--grad-soft);background-size:26px;background-repeat:no-repeat;background-position:center}
.ic-mail{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><rect x='3' y='5' width='18' height='14' rx='2'/><path d='M4 7l8 5 8-5'/></svg>")}
.ic-call{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M4 4h4l2 5-3 2a11 11 0 006 6l2-3 5 2v4a2 2 0 01-2 2A16 16 0 014 6a2 2 0 012-2z'/></svg>")}
.ic-pin{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234F46E5' stroke-width='1.7'><path d='M12 21c5-4 8-8 8-11a8 8 0 10-16 0c0 3 3 7 8 11z'/><circle cx='12' cy='10' r='2.5'/></svg>")}

/* ---------- footer ---------- */
.footer{background:var(--ink);color:#aeb6cc;padding:60px 0 30px;font-size:14.5px}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px;border-bottom:1px solid #26314b}
.brand--footer .brand__name{color:#fff}
.footer__slogan{margin:14px 0 0;font-weight:800;font-size:16px;color:#fff;letter-spacing:.3px}
.footer__tag{margin:6px 0 10px;max-width:24em}
.footer__op{color:#8b94ad;font-size:13.5px}
.footer__op b{color:#cfd5e6}
.footer__col h4{color:#fff;font-size:15px;margin-bottom:16px}
.footer__col a{display:block;color:#aeb6cc;padding:6px 0;transition:.15s}
.footer__col a:hover{color:#fff}
.footer__reg{padding-top:26px;font-size:12.5px;color:#7c869e;line-height:1.7}
.footer__reg b{color:#aeb6cc}
.footer__reg a{color:#9aa3bd}
.footer__disc{margin-top:14px;font-size:12px;color:#697088}
.footer__copy{margin-top:14px;color:#8b94ad}

/* ---------- floating advice button ---------- */
.fab{position:fixed;right:22px;bottom:22px;z-index:60;display:inline-flex;align-items:center;gap:9px;background:var(--emerald);color:#fff;font-weight:800;font-size:15px;padding:14px 20px;border-radius:var(--r-pill);box-shadow:0 14px 30px -8px rgba(5,150,105,.6);transition:.2s}
.fab:hover{transform:translateY(-3px);box-shadow:0 20px 36px -8px rgba(5,150,105,.7)}
.fab .i{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:1.8}

/* ============ PRODUCT PAGES ============ */
.crumb{font-size:13.5px;color:var(--muted);margin-bottom:14px}
.crumb a{color:var(--indigo);font-weight:600}
.prod-hero{background:var(--grad-soft);position:relative;overflow:hidden}
.prod-hero .hero__glow{position:absolute;inset:0;background:radial-gradient(600px 280px at 85% -10%,rgba(124,58,237,.16),transparent 70%);pointer-events:none}
.prod-hero__inner{position:relative;padding:56px 24px 60px;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.prod-hero__copy{min-width:0}
.prod-hero__art{display:flex;justify-content:center;min-width:0}
.prod-hero__illus{width:100%;max-width:420px;height:auto;display:block;animation:float 6s ease-in-out infinite}
.prod-hero h1{font-size:clamp(30px,4vw,44px)}
.prod-hero p{margin-top:16px;font-size:18px;color:var(--slate);max-width:40em}
.prod-hero__cta{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap}
.cover-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cover-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--shadow-sm)}
.cover-card h3{font-size:18px;margin-bottom:14px;display:flex;align-items:center;gap:9px}
.cover-list{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.cover-list li{position:relative;padding-left:30px;color:var(--slate);font-size:14.5px}
.cover-list li::before{content:"";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;background:var(--emerald);background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'><path d='M5 12l4 4 10-11'/></svg>");background-size:13px;background-repeat:no-repeat;background-position:center}
.cover-list--no li::before{background:#E2E8F0;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='3'><path d='M6 6l12 12M18 6L6 18'/></svg>");background-size:12px}
.lookfor{max-width:820px;margin:0 auto;display:grid;gap:14px}
.lookfor li{list-style:none;display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;box-shadow:var(--shadow-sm)}
.lookfor li b{color:var(--ink)}
.lookfor li p{color:var(--slate);font-size:14px;margin:2px 0 0}
.lookfor .lk{flex:0 0 auto;width:30px;height:30px;border-radius:9px;background:var(--grad-soft);display:grid;place-items:center;font-weight:800;color:var(--indigo)}
.cta-band{background:var(--grad);border-radius:0;text-align:center;padding:60px 24px}
.cta-band h2{color:#fff;font-size:clamp(24px,3vw,32px)}
.cta-band p{color:rgba(255,255,255,.9);margin:14px auto 24px;max-width:560px}

/* ============ BRAND BAND (memorable identity) ============ */
.brandband{background:var(--grad);color:#fff;text-align:center;padding:66px 24px}
.brandband__logo{width:60px;height:60px;border-radius:16px;background:rgba(255,255,255,.16);padding:9px;margin:0 auto 20px;display:block}
.brandband__name{font-size:clamp(32px,5.2vw,48px);font-weight:800;letter-spacing:-.02em;margin:0;line-height:1}
.brandband__name span{color:#c7d2fe}
.brandband__tag{font-size:clamp(14px,2.2vw,19px);font-weight:700;letter-spacing:.24em;text-transform:uppercase;margin:16px 0 0}
.brandband__op{margin:20px auto 0;max-width:40em;font-size:13.5px;color:rgba(255,255,255,.88)}
.brandband__op b{color:#fff}
@media (max-width:520px){.brandband__tag{letter-spacing:.12em}}

/* ============ BECOME-AN-AGENT PAGE ============ */
.bcard__ic{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;background:var(--grad-soft);margin-bottom:16px}
.bcard__ic svg{width:25px;height:25px;stroke:var(--indigo);fill:none;stroke-width:1.7}
.reqs{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0;padding:0}
.reqs li{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:var(--r-pill);padding:9px 16px;font-weight:600;font-size:14px;box-shadow:var(--shadow-sm)}
.reqs li svg{width:16px;height:16px;stroke:var(--emerald);fill:none;stroke-width:2.4}
.income{display:grid;gap:14px;max-width:780px;margin:0 auto}
.income__row{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;box-shadow:var(--shadow-sm)}
.income__n{flex:0 0 auto;width:36px;height:36px;border-radius:10px;background:var(--grad);color:#fff;display:grid;place-items:center;font-weight:800;font-size:15px}
.income__row b{font-size:16px}
.income__row p{color:var(--slate);font-size:14px;margin-top:3px}
.income__row .tag{display:inline-block;margin-top:8px;font-size:12px;font-weight:700;color:var(--emerald);background:#E7F7F0;padding:3px 10px;border-radius:var(--r-pill)}
.refer-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:26px}
.refer-step{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:var(--r-lg);padding:22px;backdrop-filter:blur(6px)}
.refer-step b{display:block;font-size:16px;margin:10px 0 6px}
.refer-step p{color:rgba(255,255,255,.9);font-size:14px;margin:0}
.refer-step .rn{width:36px;height:36px;border-radius:10px;background:rgba(255,255,255,.2);display:grid;place-items:center;font-weight:800}
@media (max-width:760px){.refer-steps{grid-template-columns:1fr}}

/* ============ LEGAL PAGES ============ */
.legal-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.legal-header__inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.legal-back{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:14px;color:var(--slate)}
.legal-back:hover{color:var(--indigo)}
.legal{max-width:820px;margin:0 auto;padding:48px 24px 72px}
.legal h1{font-size:clamp(28px,3.6vw,38px);margin-bottom:8px}
.legal .updated{color:var(--muted);font-size:13.5px;margin-bottom:8px}
.legal .review-note{background:#FFF7ED;border:1px solid #FED7AA;color:#9A3412;border-radius:10px;padding:12px 14px;font-size:13px;margin:18px 0 28px}
.legal h2{font-size:20px;margin:32px 0 10px;color:var(--ink)}
.legal h3{font-size:16px;margin:20px 0 8px}
.legal p,.legal li{color:var(--slate);font-size:15px;line-height:1.7}
.legal p{margin:10px 0}
.legal ul{margin:10px 0;padding-left:22px}
.legal li{margin:6px 0}
.legal a{color:var(--indigo);font-weight:600}
.legal .fill{background:#EEF0FB;border-bottom:1px dashed var(--indigo);padding:0 4px;border-radius:3px;font-style:italic;color:var(--indigo-700)}
.legal table{width:100%;border-collapse:collapse;margin:14px 0;font-size:14px}
.legal th,.legal td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.legal th{background:var(--bg-tint);font-weight:700}
.legal .contact-box{background:var(--bg-tint);border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:16px 0}

/* ============ COMPARE & SAVE (homepage) ============ */
.compare__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:8px}
.savecard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 20px;box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease}
.savecard:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.savecard__ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--grad-soft);margin-bottom:14px}
.savecard__ic svg{width:23px;height:23px;stroke:var(--indigo);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.savecard b{display:block;font-size:16px;margin-bottom:6px;color:var(--ink)}
.savecard p{margin:0;font-size:14px;color:var(--slate);line-height:1.6}

/* ============ SAVE BAR (product pages) ============ */
.savebar-wrap{background:var(--bg);padding:4px 0 10px}
.savebar{display:flex;align-items:center;gap:24px;justify-content:space-between;flex-wrap:wrap;
  background:var(--grad);color:#fff;border-radius:var(--r-lg);padding:22px 30px;box-shadow:var(--shadow)}
.savebar__txt b{display:block;font-size:18px;margin-bottom:3px}
.savebar__txt span{font-size:14px;color:rgba(255,255,255,.92)}
.savebar .btn--white{white-space:nowrap}
@media (max-width:960px){.compare__grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.savebar{padding:20px}.savebar__txt b{font-size:16px}}
@media (max-width:520px){.compare__grid{grid-template-columns:1fr}}

/* ============ LINES-OF-BUSINESS CATALOG (homepage) ============ */
.lob-head{text-align:center;margin:56px 0 24px}
.lob-head h3{font-size:22px;margin:0 0 6px}
.lob-head p{color:var(--muted);font-size:15px;margin:0}
.lob{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.lob__col{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px 16px;box-shadow:var(--shadow-sm)}
.lob__col h4{display:flex;align-items:center;gap:9px;font-size:16px;margin:0 0 2px}
.lob__col h4 .i{width:20px;height:20px;stroke:var(--indigo);fill:none;stroke-width:1.9}
.lob__sub{color:var(--muted);font-size:12.5px;margin:0 0 12px}
.lob__list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:1px 14px}
.lob__list a{display:flex;align-items:center;gap:8px;padding:8px 6px;border-radius:8px;font-size:14px;color:var(--slate);font-weight:500;transition:background .15s,color .15s}
.lob__list a:hover{background:var(--bg-tint);color:var(--indigo)}
.lob__list a::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--indigo);flex:none;opacity:.45}
@media (max-width:860px){.lob{grid-template-columns:1fr}}
@media (max-width:480px){.lob__list{grid-template-columns:1fr}}

/* ============ LOGIN MENU (header) ============ */
.login-menu{position:relative;display:inline-flex}
.login-menu__btn{display:inline-flex;align-items:center;gap:6px}
.login-menu__btn .i{width:14px;height:14px;transition:transform .2s ease}
.login-menu.open .login-menu__btn .i{transform:rotate(180deg)}
.login-menu__dd{position:absolute;right:0;top:calc(100% + 10px);min-width:238px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .16s ease,transform .16s ease;z-index:60}
.login-menu.open .login-menu__dd{opacity:1;visibility:visible;transform:none}
.login-menu__dd a{display:block;padding:11px 14px;border-radius:9px;color:var(--ink);font-weight:700;font-size:15px;line-height:1.2}
.login-menu__dd a small{display:block;color:var(--muted);font-weight:500;font-size:12.5px;margin-top:3px}
.login-menu__dd a:hover{background:var(--bg-tint);color:var(--indigo)}

/* ============ RESPONSIVE ============ */
@media (max-width:960px){
  .hero__inner,.prod-hero__inner,.why__grid,.lead__grid,.about__grid,.posp__inner{grid-template-columns:1fr;gap:40px}
  .hero__art{order:-1}
  .prod-hero__art{max-width:360px;margin:0 auto}
  .quotecard{max-width:340px}
  .grid--products{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .trust__inner{grid-template-columns:1fr 1fr;gap:20px}
  .contact__grid{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr 1fr;gap:28px}
  .about__values,.why__stats{grid-template-columns:1fr 1fr}
}
@media (max-width:1024px){
  .nav{position:fixed;inset:70px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 24px 20px;box-shadow:var(--shadow);transform:translateY(-140%);transition:transform .3s ease;z-index:40}
  .nav.open{transform:translateY(0)}
  .nav__link{padding:14px 0;border-bottom:1px solid var(--line);font-size:16px}
  .nav__cta{margin:16px 0 0}
  /* login menu flattens into drawer items — no dropdown on mobile */
  .login-menu{display:block;width:100%}
  .login-menu__btn{display:none}
  .login-menu__dd{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-radius:0;padding:0;min-width:0}
  .login-menu__dd a{padding:14px 0;border-bottom:1px solid var(--line);border-radius:0;font-size:16px}
  .login-menu__dd a small{margin-top:2px;font-size:12.5px}
  .nav-toggle{display:flex}
}
@media (max-width:760px){
  .topbar__badge{font-size:11.5px}
  .topbar__links .topbar__link:not(.topbar__link--call){display:none}
  .section{padding:60px 0}
  .grid--products,.cover-grid{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr}
}
@media (max-width:420px){
  .steps,.why__stats,.about__values,.trust__inner{grid-template-columns:1fr}
  .hero__cta .btn{flex:1}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;scroll-behavior:auto}}