:root{
  --bg:#F5F7FA; --surface:#FFFFFF; --ink:#13213A; --muted:#55657E; --line:#E1E6EE; --soft:#EEF2F8;
  --hero:#0F3D6E; --hero2:#1B365D; --hero-ink:#FFFFFF; --hero-muted:#C6D4E8;
  --accent:#C9A227; --accent-ink:#1B1400; --accent-soft:#F4E9C8; --link:#0F3D6E;
  --motor:#0F3D6E; --health:#0E7A5B; --fire:#A6391F; --burg:#4B3E79;
  --radius:14px;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B1420; --surface:#121D30; --ink:#EAF0FA; --muted:#A4B2C8; --line:#263550; --soft:#162238;
    --hero:#0A2440; --hero2:#101E36; --link:#7FB1E8;
    --motor:#7FB1E8; --health:#5FCBA3; --fire:#F0887A; --burg:#B2A0E8;
  }
}
:root[data-theme="dark"]{
  --bg:#0B1420; --surface:#121D30; --ink:#EAF0FA; --muted:#A4B2C8; --line:#263550; --soft:#162238;
  --hero:#0A2440; --hero2:#101E36; --link:#7FB1E8;
  --motor:#7FB1E8; --health:#5FCBA3; --fire:#F0887A; --burg:#B2A0E8;
}
html{height:100%;scroll-padding-top:calc(env(safe-area-inset-top,0px) + 76px);scroll-behavior:smooth}
*,*::before,*::after{box-sizing:inherit}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Manrope','Inter',system-ui,sans-serif;line-height:1.14;margin:0;letter-spacing:-0.015em;font-weight:800}
p{margin:0}
a{color:var(--link)}
img,svg{max-width:100%}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:6px}
.wrap{width:min(1140px,100% - 40px);margin-inline:auto}
section{padding:96px 0}
.section-head{max-width:640px;margin-bottom:40px}
.section-head h2{font-size:clamp(30px,4.2vw,44px);font-weight:800}
.section-head p{margin-top:14px;color:var(--muted);font-size:18px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:0 22px;border-radius:999px;border:2px solid transparent;font:600 16px 'Inter',sans-serif;text-decoration:none;cursor:pointer;transition:transform .15s,background .15s,border-color .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-primary:hover{background:#FFC23A}
.btn-outline{border-color:currentColor;background:transparent;color:inherit}
.btn-outline:hover{background:rgba(255,255,255,.08)}
.btn-wa{background:#1FA855;color:#fff}
.btn-wa:hover{background:#188F49}

/* header */
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--hero);color:var(--hero-ink);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:68px;padding-block:13px;gap:14px 20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:inherit;font:800 20px 'Manrope',sans-serif}
.brand-mark{width:36px;height:36px;flex:none;object-fit:contain;display:block}
.nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
.nav ul a{color:var(--hero-muted);text-decoration:none;font-weight:600;font-size:16px}
.nav ul a:hover{color:#fff}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{color:#fff;text-decoration:none;font-weight:700;white-space:nowrap}
.nav ul a[aria-current="page"]{color:#fff;box-shadow:inset 0 -3px 0 var(--accent);padding-bottom:4px}
.nav-cta .btn[aria-current="page"]{box-shadow:0 0 0 3px rgba(201,162,39,.45)}

@media (max-width:560px){.nav-phone{display:none}}

/* hero */
.hero{background:linear-gradient(135deg,var(--hero),var(--hero2));color:var(--hero-ink);padding:64px 0 96px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-120px;width:520px;height:520px;border-radius:50%;border:70px solid rgba(201,162,39,.12);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.12em;font:700 13px 'Inter',sans-serif;color:var(--accent);background:rgba(201,162,39,.14);border:1px solid rgba(201,162,39,.35);padding:7px 14px;border-radius:999px;margin-bottom:18px}
.hero h1{font-size:clamp(34px,5.2vw,58px);font-weight:800;letter-spacing:-0.02em}
.hero .lede{margin-top:22px;font-size:20px;color:var(--hero-muted);max-width:520px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.hero-covers{display:flex;flex-wrap:wrap;gap:10px;margin-top:36px;padding:0;list-style:none}
.hero-covers a{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;border:1px solid rgba(255,255,255,.22);color:#fff;text-decoration:none;font-weight:600;font-size:15px}
.hero-covers a:hover{background:rgba(255,255,255,.1)}
.hero-covers i{width:9px;height:9px;border-radius:50%;display:inline-block}

/* quote card */
.quote{background:var(--surface);color:var(--ink);border-radius:20px;padding:26px;box-shadow:0 24px 60px rgba(0,0,0,.28)}
.quote h2{font-size:26px;font-weight:800}
.quote .sub{color:var(--muted);font-size:15px;margin:6px 0 18px}
.tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;background:var(--soft);padding:5px;border-radius:12px;margin-bottom:18px}
.tab{border:0;background:transparent;color:var(--muted);font:600 15px 'Inter',sans-serif;padding:10px 4px;border-radius:9px;cursor:pointer}
.tab[aria-selected="true"]{background:var(--surface);color:var(--ink);box-shadow:0 1px 4px rgba(0,0,0,.14)}
.estimate{background:linear-gradient(135deg,color-mix(in srgb,var(--hero) 92%,transparent),color-mix(in srgb,var(--hero2) 92%,transparent));color:#fff;border-radius:12px;padding:16px 18px;margin-bottom:18px}
.estimate-amt{display:block;font:800 19px 'Manrope',sans-serif;letter-spacing:-0.01em}
.estimate-note{display:block;margin-top:6px;font-size:12.5px;color:var(--hero-muted);line-height:1.4}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:14.5px;margin-bottom:5px}
.field input,.field select{width:100%;min-height:46px;padding:0 13px;border:1.5px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font:400 16px 'Inter',sans-serif}
.field input:focus,.field select:focus{border-color:var(--link);outline:none;box-shadow:0 0 0 3px rgba(15,92,88,.22)}
.field .err{display:none;color:#C0281F;font-size:14px;margin-top:4px}
.field.invalid .err{display:block}
.field.invalid input,.field.invalid select{border-color:#C0281F}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.quote .btn{width:100%;margin-top:4px}
.fine{font-size:13.5px;color:var(--muted);margin-top:12px;text-align:center}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr;gap:40px}}
@media (max-width:460px){.two{grid-template-columns:1fr}}

/* assurance strip */
.strip{background:var(--surface);border-bottom:1px solid var(--line);padding:0}
.strip ul{list-style:none;margin:0;padding:26px 0;display:grid;grid-template-columns:repeat(5,1fr);gap:24px}
.strip li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--muted);line-height:1.4}
.strip strong{display:block;color:var(--ink);font-size:16px;font-weight:700}
.strip svg{flex:none;width:22px;height:22px;color:var(--accent);margin-top:2px}
@media (max-width:1100px){.strip ul{grid-template-columns:repeat(3,1fr)}}
@media (max-width:640px){.strip ul{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.strip ul{grid-template-columns:1fr}}

/* products */
.products{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.product{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:0 0 30px;overflow:hidden}
.product h3{font-size:22px;font-weight:800;padding:24px 26px 0}
.product .for{color:var(--muted);margin-top:8px;padding:0 26px;font-size:15px}
.product .benefits{list-style:none;margin:18px 26px 0;padding:0;display:grid;gap:10px}
.product .benefits li{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--ink);font-weight:500}
.product .benefits li::before{content:"";flex:none;width:19px;height:19px;margin-top:2px;background:var(--c);-webkit-mask:url('data:image/svg+xml;utf8,<svg xmlns=%22http://www.w3.org/2000/svg%22 viewBox=%220 0 24 24%22 fill=%22none%22 stroke=%22%23000%22 stroke-width=%223%22 stroke-linecap=%22round%22 stroke-linejoin=%22round%22><path d=%22m5 12 5 5 9-10%22/></svg>') center/contain no-repeat;mask:url('data:image/svg+xml;utf8,<svg xmlns=%22http://www.w3.org/2000/svg%22 viewBox=%220 0 24 24%22 fill=%22none%22 stroke=%22%23000%22 stroke-width=%223%22 stroke-linecap=%22round%22 stroke-linejoin=%22round%22><path d=%22m5 12 5 5 9-10%22/></svg>') center/contain no-repeat}
.product .btn{margin:24px 26px 0;min-height:46px;font-size:15px;width:calc(100% - 52px)}
.product.motor{--c:var(--motor)} .product.health{--c:var(--health)} .product.fire{--c:var(--fire)} .product.burg{--c:var(--burg)}
@media (max-width:1100px){.products{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.products{grid-template-columns:1fr}}

/* testimonials */
.testimonials{background:var(--soft)}
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.t-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:26px;margin:0;box-shadow:0 1px 2px rgba(15,36,70,.04)}
.t-stars{color:var(--accent);letter-spacing:3px;font-size:15px;margin-bottom:12px}
.t-card blockquote{margin:0;font-size:16px;line-height:1.6;color:var(--ink)}
.t-card figcaption{margin-top:16px;font-size:14px;font-weight:700;color:var(--muted)}
.t-note{margin-top:28px;color:var(--muted);font-size:14.5px;text-align:center}
@media (max-width:860px){.t-grid{grid-template-columns:1fr}}

/* partners */
.partner-row{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:6px}
.partner-row span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:84px;background:var(--surface);border:1px solid var(--line);border-radius:14px;color:var(--muted);font-weight:700;font-size:15px;padding:12px}
@media (max-width:860px){.partner-row{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.partner-row{grid-template-columns:1fr}}

/* why */
.why{background:var(--soft)}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.why-list{display:grid;gap:26px}
.why-list h3{font-size:21px;font-weight:700;margin-bottom:6px}
.why-list p{color:var(--muted)}
@media (max-width:860px){.why-grid{grid-template-columns:1fr;gap:34px}}

/* claims */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;list-style:none;padding:0;margin:0;position:relative}
.steps li{position:relative;padding:0 22px 0 0;counter-increment:s}
.steps li::before{content:counter(s);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--hero);color:#fff;font:800 18px 'Manrope',sans-serif;margin-bottom:16px;position:relative;z-index:1}
.steps li::after{content:"";position:absolute;top:22px;left:44px;right:0;height:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps h3{font-size:20px;font-weight:700;margin-bottom:6px}
.steps p{color:var(--muted);font-size:16px}
@media (max-width:860px){
  .steps{grid-template-columns:1fr;gap:26px}
  .steps li{padding:0 0 0 62px}
  .steps li::before{position:absolute;left:0;top:0;margin:0}
  .steps li::after{top:44px;bottom:-26px;left:21px;right:auto;width:2px;height:auto}
}
.claimbar{margin-top:44px;background:var(--hero);color:var(--hero-ink);border-radius:var(--radius);padding:26px 30px;display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
.claimbar p{font-size:19px;max-width:560px}
.claimbar strong{font-family:'Manrope',sans-serif}

/* renewal */
.renew{background:var(--soft)}
.renew-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.renew .quote{box-shadow:0 10px 30px rgba(0,0,0,.10);border:1px solid var(--line)}
.renew h2{font-size:clamp(30px,4.2vw,44px);font-weight:800}
.renew .lede{margin-top:14px;color:var(--muted);font-size:18px}
.renew ul{margin:22px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.renew li{display:flex;gap:10px}
.renew li svg{flex:none;width:22px;height:22px;color:var(--link);margin-top:3px}
@media (max-width:860px){.renew-grid{grid-template-columns:1fr;gap:34px}}

/* faq */
.faq{max-width:780px}
details{border-bottom:1px solid var(--line);padding:4px 0}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:18px 0;font:700 19px 'Manrope',sans-serif}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:26px;line-height:1;color:var(--link);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 0 20px;color:var(--muted);max-width:66ch}

/* contact */
.contact{background:var(--hero);color:var(--hero-ink)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.contact h2{font-size:clamp(30px,4.2vw,44px);font-weight:800}
.contact .lede{margin-top:14px;color:var(--hero-muted);font-size:18px;max-width:460px}
.contact-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.details{display:grid;gap:22px;align-content:start}
.details div{border-left:3px solid var(--accent);padding-left:16px}
.details dt{font:700 15px 'Manrope',sans-serif;color:var(--hero-muted);margin-bottom:2px}
.details dd{margin:0;font-size:18px}
.details a{color:#fff}
dl.details{margin:0}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr;gap:36px}}

footer{background:#081F1F;color:#9FBDB7;padding:34px 0 34px;font-size:14.5px}
footer .wrap{display:grid;gap:12px}
footer p{max-width:90ch}
footer .lic{color:#CFE5E0}


/* views / pages */
.page-head{background:var(--hero);color:var(--hero-ink);padding:56px 0 64px;position:relative;overflow:hidden}
.page-head::after{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(201,162,39,.12);pointer-events:none}
.page-head .wrap{position:relative;z-index:1}
.page-head h1{font-size:clamp(34px,5vw,56px);font-weight:800;letter-spacing:-0.02em;outline:none}
.page-head p{margin-top:16px;font-size:20px;color:var(--hero-muted);max-width:640px}

/* hero chooser */
.chooser h2{font-size:26px;font-weight:800}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.tile{display:block;padding:16px 16px 16px 18px;border:1.5px solid var(--line);border-left:6px solid var(--c);border-radius:12px;background:var(--bg);text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.tile:hover{border-color:var(--c);transform:translateY(-2px)}
.tile strong{display:block;font:800 20px 'Manrope',sans-serif}
.tile span{display:block;color:var(--muted);font-size:15px;line-height:1.35;margin-top:3px}
.tile.motor{--c:var(--motor)}.tile.health{--c:var(--health)}.tile.fire{--c:var(--fire)}.tile.burg{--c:var(--burg)}
@media (max-width:460px){.tiles{grid-template-columns:1fr}}

/* quote page */
.qpage{padding:56px 0 72px}
.qgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.qgrid .quote{box-shadow:0 10px 34px rgba(0,0,0,.10);border:1px solid var(--line)}
.aside h2{font-size:26px;font-weight:800;margin-bottom:18px}
.aside .steps{grid-template-columns:1fr;gap:22px}
.aside .steps li{padding:0 0 0 62px}
.aside .steps li::before{position:absolute;left:0;top:0;margin:0}
.aside .steps li::after{top:44px;bottom:-22px;left:21px;right:auto;width:2px;height:auto}
.aside .steps h3{font-size:19px}
.docs{margin-top:34px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px}
.docs h3{font-size:20px;font-weight:800;margin-bottom:12px}
.docs dl{margin:0;display:grid;gap:10px}
.docs dt{font-weight:700}
.docs dd{margin:0;color:var(--muted);font-size:16px}
@media (max-width:900px){.qgrid{grid-template-columns:1fr}}

/* faq page */
.faq-page{padding:48px 0 72px}
.faq-tools{max-width:780px;margin-bottom:26px}
.search{width:100%;min-height:52px;padding:0 16px;border:1.5px solid var(--line);border-radius:12px;background:var(--surface);color:var(--ink);font:400 17px 'Inter',sans-serif}
.search:focus{border-color:var(--link);outline:none;box-shadow:0 0 0 3px rgba(15,92,88,.22)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.chip{border:1.5px solid var(--line);background:var(--surface);color:var(--ink);padding:8px 16px;border-radius:999px;font:600 15px 'Inter',sans-serif;cursor:pointer}
.chip[aria-pressed="true"]{background:var(--hero);border-color:var(--hero);color:#fff}
.faq-empty{display:none;max-width:780px;padding:24px;border:1.5px dashed var(--line);border-radius:12px;color:var(--muted)}
.faq-empty.show{display:block}
.faq h2.group{font-size:22px;font-weight:800;margin:34px 0 4px;color:var(--link)}
.teaser-more{margin-top:26px}
.foot-nav{display:flex;flex-wrap:wrap;gap:8px 22px}
.foot-nav a{color:#CFE5E0}

/* mobile action bar */
.mbar{display:none}
@media (max-width:700px){
  body{padding-bottom:76px}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:var(--surface);border-top:1px solid var(--line)}
  .mbar .btn{min-height:46px;padding:0 10px}
  section{padding:64px 0}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* utilities (replace inline styles so a strict Content-Security-Policy can be used) */
.skip{position:absolute;left:-9999px;top:0;z-index:100;background:var(--accent);color:var(--accent-ink);padding:10px 16px;border-radius:0 0 8px 0;font-weight:700}
.skip:focus{left:0}
.sr-only{position:absolute;left:-9999px}
.btn-sm{min-height:42px;padding:0 18px}
.section-head.flush{margin:0}
.hero-covers .d-motor{background:var(--motor)}
.hero-covers .d-health{background:var(--health)}
.hero-covers .d-fire{background:var(--fire)}
.hero-covers .d-burg{background:var(--burg)}
.btn-dark{color:var(--ink);border-color:var(--line)}
.notfound{padding:96px 0;text-align:left}


/* ================= VISUAL UPGRADE ================= */
/* header */
header.site{transition:box-shadow .25s}
header.site.scrolled{box-shadow:0 8px 28px rgba(0,0,0,.28)}
header.site{position:sticky}
.progress{position:absolute;left:0;right:0;bottom:-1px;height:3px;background:var(--accent);transform:scaleX(0);transform-origin:left;pointer-events:none}
.icon-btn{width:42px;height:42px;border-radius:50%;border:1.5px solid rgba(255,255,255,.28);background:transparent;color:#fff;display:inline-grid;place-items:center;cursor:pointer;padding:0;transition:background .15s}
.icon-btn:hover{background:rgba(255,255,255,.12)}
.icon-btn svg{width:20px;height:20px}
.ico-sun,.ico-x,.menu-btn,.only-mobile{display:none}
:root[data-theme="dark"] .ico-sun{display:block}
:root[data-theme="dark"] .ico-moon{display:none}
@media (max-width:900px){
  .menu-btn{display:inline-grid}
  .nav.open .ico-bars{display:none}
  .nav.open .ico-x{display:block}
  #site-nav{display:none;order:3;width:100%}
  .nav.open #site-nav{display:block}
  .nav ul{display:flex;flex-direction:column;gap:0;padding:0 0 14px;width:100%}
  .nav ul a{display:block;padding:14px 4px;font-size:18px;border-top:1px solid rgba(255,255,255,.12)}
  .nav ul a[aria-current="page"]{box-shadow:none;color:var(--accent);padding-bottom:14px}
  .only-mobile{display:list-item}
  html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 84px)}
}
@media (max-width:520px){.nav-cta .btn-sm{display:none}}

/* buttons */
.btn{transition:transform .15s,background .15s,border-color .15s,box-shadow .2s}
.btn-primary{box-shadow:0 6px 18px rgba(201,162,39,.32)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(201,162,39,.4)}

/* hero */
.hero{background-image:radial-gradient(760px 420px at 88% 8%,rgba(201,162,39,.20),transparent 62%),radial-gradient(640px 460px at 4% 100%,rgba(255,255,255,.08),transparent 60%),linear-gradient(135deg,var(--hero),var(--hero2))}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.11) 1.2px,transparent 1.3px);background-size:26px 26px;-webkit-mask-image:linear-gradient(180deg,#000 0,transparent 85%);mask-image:linear-gradient(180deg,#000 0,transparent 85%);pointer-events:none}
@keyframes rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
.hero h1,.hero .lede,.hero-actions,.hero-covers,.chooser,.page-head h1,.page-head p{animation:rise .8s cubic-bezier(.2,.7,.2,1) both}
.hero .lede,.page-head p{animation-delay:.12s}
.hero-actions{animation-delay:.22s}
.chooser{animation-delay:.2s}
.hero-covers{animation-delay:.32s}
.tile{box-shadow:0 1px 0 rgba(0,0,0,.02)}
.tile:hover{box-shadow:0 10px 24px rgba(0,0,0,.12)}
.tile strong::after{content:" \2192";opacity:0;transition:opacity .15s,margin .15s;margin-left:0}
.tile:hover strong::after{opacity:.7;margin-left:6px}

/* assurance strip */
.strip{box-shadow:0 12px 30px rgba(0,0,0,.05)}
.strip svg{width:36px;height:36px;padding:8px;border-radius:10px;background:var(--soft);color:var(--hero)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .strip svg{color:var(--accent)}}
:root[data-theme="dark"] .strip svg{color:var(--accent)}

/* product cards */
.product{transition:transform .25s,box-shadow .25s;box-shadow:0 1px 2px rgba(15,36,70,.04)}
.product-banner{line-height:0}
.product-banner svg{width:100%;height:auto;display:block}
.product:hover{transform:translateY(-6px);box-shadow:0 22px 44px rgba(15,36,70,.14)}
.panel-motor{--panel-a:#0F3D6E;--panel-b:#1B5693}
.panel-health{--panel-a:#0E7A5B;--panel-b:#14976F}
.panel-fire{--panel-a:#8C2C17;--panel-b:#A6391F}
.panel-burg{--panel-a:#3A2F60;--panel-b:#4B3E79}

/* counters */
.counters{display:flex;flex-wrap:wrap;gap:20px 42px;margin-top:34px}
.counter b{display:block;font:800 clamp(40px,5.4vw,58px)/1 'Manrope',sans-serif;color:var(--link);letter-spacing:-0.02em}
.counter .lbl{display:block;color:var(--muted);font-size:15.5px;margin-top:8px}

/* why list */
.why-list>div{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:24px 26px;border-left:4px solid var(--accent);box-shadow:0 1px 2px rgba(15,36,70,.04);transition:box-shadow .2s,transform .2s}
.why-list>div:hover{box-shadow:0 14px 30px rgba(15,36,70,.10);transform:translateY(-3px)}
.why-list{gap:16px}

/* claims steps */
.steps li::before{box-shadow:0 0 0 6px var(--bg)}
.claimbar{background-image:radial-gradient(500px 220px at 100% 0,rgba(201,162,39,.25),transparent 65%),linear-gradient(135deg,var(--hero),var(--hero2))}

/* faq */
summary{transition:color .15s}
summary:hover{color:var(--link)}
details[open]{background:color-mix(in srgb,var(--soft) 45%,transparent);border-radius:12px;padding-left:16px;padding-right:16px;border-bottom-color:transparent}

/* forms */
.quote{border-radius:22px}
.field input:hover,.field select:hover{border-color:color-mix(in srgb,var(--link) 55%,var(--line))}
.tab{transition:background .15s,color .15s}

/* scroll reveal (only when JavaScript is running) */
.js .reveal{opacity:0;transform:translateY(20px)}
.js .reveal.in{opacity:1;transform:none;transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1)}

/* floating buttons + toast */
.fab{position:fixed;right:22px;bottom:calc(22px + env(safe-area-inset-bottom,0px));z-index:55;width:58px;height:58px;border-radius:50%;background:#1FA855;color:#fff;display:grid;place-items:center;box-shadow:0 10px 26px rgba(0,0,0,.28);transition:transform .15s}
.fab:hover{transform:scale(1.07)}
.fab::after{content:"";position:absolute;inset:0;border-radius:50%;border:2px solid #1FA855;animation:ping 2.6s ease-out infinite}
@keyframes ping{0%{transform:scale(1);opacity:.7}70%,100%{transform:scale(1.5);opacity:0}}
.totop{position:fixed;right:30px;bottom:calc(92px + env(safe-area-inset-bottom,0px));z-index:55;width:42px;height:42px;border-radius:50%;border:0;background:var(--hero);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 8px 20px rgba(0,0,0,.25);opacity:0;pointer-events:none;transform:translateY(10px);transition:opacity .2s,transform .2s}
.totop.show{opacity:1;pointer-events:auto;transform:none}
.totop svg{width:20px;height:20px}
.toast{position:fixed;left:50%;bottom:calc(28px + env(safe-area-inset-bottom,0px));z-index:70;transform:translate(-50%,20px);background:var(--ink);color:var(--bg);padding:13px 22px;border-radius:999px;font-weight:600;font-size:15.5px;opacity:0;pointer-events:none;transition:opacity .25s,transform .25s;max-width:calc(100% - 32px);text-align:center}
.toast.show{opacity:1;transform:translate(-50%,0)}
@media (max-width:700px){
  .fab{display:none}
  .totop{right:16px;bottom:calc(88px + env(safe-area-inset-bottom,0px))}
  .toast{bottom:calc(92px + env(safe-area-inset-bottom,0px))}
}

/* footer */
footer{background:#071B1B;padding:56px 0 30px}
footer .wrap{display:block}
.foot-grid{display:grid!important;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-grid h3{font:700 16px 'Manrope',sans-serif;color:#fff;margin-bottom:14px}
.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.foot-grid a{color:#B5D3CC;text-decoration:none}
.foot-grid a:hover{color:#fff;text-decoration:underline}
.foot-about .brand{color:#fff;margin-bottom:14px}
.foot-about p{color:#9FBDB7;max-width:300px}
.foot-legal{padding-top:26px;display:grid!important;gap:12px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}.foot-about{grid-column:1/-1}}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .js .reveal{opacity:1;transform:none}
}