/* Concept: "The road is the office." Night-flag hero with a live highway drawn in canvas; highway-signage type (Barlow, drawn from US road signs);
   interstate-shield step markers; gold used sparingly as the lane line of the page. Single look: a light website with dark bands. */
:root{
  --night:#061A40; --flag:#0A2A5E; --lift:#0F3573; --gold:#D9B44A; --gold2:#E4C45C; --cream:#F8EFB2; --bronze:#8C5A0A; --red:#B31942;
  --mist:#F3F5F9; --mist2:#E8EDF5; --line:#D5DCE9; --ink:#111827; --body:#404040; --muted:#5A6478; --white:#FFFFFF;
  --disp:'Barlow Condensed','Arial Narrow',Arial,sans-serif; --text:'Barlow','Segoe UI',system-ui,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;height:auto}
body{background:#FFFFFF;color:#404040;font-family:var(--text);font-size:17px;line-height:1.6;margin:0}
h1,h2,h3,h4{font-family:var(--disp);margin:0;line-height:1.02;text-wrap:balance;color:#0A2A5E}
p{margin:0}
a{color:inherit}
button{font:inherit}
.in{max-width:1200px;margin-inline:auto;padding-inline:20px}
.skip{position:absolute;left:-999px;top:0;background:#D9B44A;color:#061A40;padding:8px 14px;z-index:100;font-weight:700}
.skip:focus{left:12px;top:12px}
:focus-visible{outline:3px solid #D9B44A;outline-offset:3px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* utility + header */
.util{background:#061A40;color:#C8D2E8;font-size:.82rem}
.util .in{display:flex;justify-content:space-between;gap:16px;padding-block:7px;flex-wrap:wrap}
.util a{text-decoration:none;color:#C8D2E8}
.util a:hover{color:#F8EFB2}
.util nav{display:flex;gap:18px}
header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid #D5DCE9}
.bar{display:flex;align-items:center;gap:24px;padding-block:10px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;min-width:0;margin-right:auto}
.brand svg{width:52px;height:52px;flex:none}
.brand .wm{display:flex;flex-direction:column;line-height:1}
.brand .wm b{font-family:var(--disp);font-weight:800;font-size:1.28rem;letter-spacing:.03em;color:#0A2A5E;text-transform:uppercase}
.brand .wm small{font-family:var(--text);font-weight:600;font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:#8C5A0A;margin-top:4px}
nav.main{display:flex;gap:26px;font-family:var(--disp);font-weight:600;font-size:1.02rem;letter-spacing:.04em;text-transform:uppercase}
nav.main a{white-space:nowrap;text-decoration:none;color:#111827;padding-block:6px;border-bottom:3px solid transparent}
nav.main a:hover{border-bottom-color:#D9B44A}
.hphone{display:flex;flex-direction:column;align-items:flex-end;text-decoration:none;line-height:1.1}
.hphone small{font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:#5A6478;font-weight:600}
.hphone b{white-space:nowrap;font-family:var(--disp);font-size:1.35rem;font-weight:700;color:#0A2A5E;letter-spacing:.02em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--disp);font-weight:700;font-size:1.02rem;letter-spacing:.07em;text-transform:uppercase;text-decoration:none;padding:13px 26px;border-radius:4px;border:0;cursor:pointer;line-height:1.1;transition:background .15s,transform .15s,box-shadow .15s}
.btn:active{transform:translateY(1px)}
.btn.gold{background:#D9B44A;color:#061A40;box-shadow:0 1px 0 #8C5A0A}
.btn.gold:hover{background:#E4C45C}
.btn.blue{background:#0A2A5E;color:#fff}
.btn.blue:hover{background:#0F3573}
.btn.line{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(248,239,178,.6)}
.btn.line:hover{box-shadow:inset 0 0 0 2px #F8EFB2;color:#F8EFB2}
.btn.outline{background:#fff;color:#0A2A5E;box-shadow:inset 0 0 0 2px #0A2A5E}
.btn.outline:hover{background:#F3F5F9}
.btn svg{width:18px;height:18px;flex:none}
.menu{display:none;background:none;border:0;padding:8px;cursor:pointer;color:#0A2A5E}
.menu svg{width:28px;height:28px}

/* hero */
.hero{position:relative;background:linear-gradient(180deg,#030B1F 0%,#061A40 42%,#0A2A5E 100%);color:#fff;overflow:hidden;isolation:isolate}
#road{position:absolute;inset:0;width:100%;height:100%;z-index:-1;display:block}
.hero .in{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);grid-template-rows:auto 1fr;gap:56px;align-items:start;padding-block:72px 150px}
.hero-head{grid-column:1;grid-row:1}
.hero-rest{grid-column:1;grid-row:2}
.hero .qc{grid-column:2;grid-row:1/3}
.kicker{display:inline-flex;align-items:center;gap:10px;font-family:var(--disp);font-weight:600;font-size:.98rem;letter-spacing:.2em;text-transform:uppercase;color:#D9B44A}
.kicker::before{content:"";width:34px;height:3px;background:#D9B44A}
.hero h1{font-weight:800;font-size:clamp(3rem,6.6vw,5.4rem);line-height:.92;letter-spacing:-.005em;text-transform:uppercase;color:#F8EFB2;margin-block:18px 22px}
.hero h1 em{font-style:normal;color:#fff}
.hero .sub{font-size:1.2rem;color:#DDE3EE;max-width:33em}
.hero .acts{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero .acts .btn.line{white-space:nowrap}
.checks{list-style:none;padding:0;margin:30px 0 0;display:flex;flex-wrap:wrap;gap:10px 26px;font-size:.95rem;color:#DDE3EE}
.checks li{display:flex;align-items:center;gap:8px}
.checks svg{width:18px;height:18px;flex:none;stroke:#D9B44A;fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}

/* quote card */
.qc{background:#fff;color:#111827;border-radius:8px;box-shadow:0 30px 60px -18px rgba(0,0,0,.55),0 0 0 1px rgba(255,255,255,.06);overflow:hidden}
.qc-top{background:#F3F5F9;border-bottom:1px solid #D5DCE9;padding:20px 24px 16px}
.qc-top h2{font-size:1.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.01em}
.qc-top p{font-size:.92rem;color:#5A6478;margin-top:4px}
.prog{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:16px;position:relative}
.prog::before{content:"";position:absolute;left:16.6%;right:16.6%;top:13px;height:3px;background:repeating-linear-gradient(90deg,#9AA6BD 0 10px,transparent 10px 18px)}
.prog .pfill{position:absolute;left:16.6%;top:13px;height:3px;background:#D9B44A;width:0;transition:width .35s}
.prog div{display:flex;flex-direction:column;align-items:center;gap:6px;position:relative;z-index:1}
.prog i{width:29px;height:29px;border-radius:50%;background:#fff;border:2px solid #9AA6BD;display:flex;align-items:center;justify-content:center;font-style:normal;font-family:var(--disp);font-weight:700;color:#5A6478;font-size:.95rem;transition:all .2s}
.prog span{font-family:var(--disp);font-weight:600;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;color:#5A6478}
.prog .on i{background:#0A2A5E;border-color:#0A2A5E;color:#F8EFB2}
.prog .done i{background:#D9B44A;border-color:#D9B44A;color:#061A40}
.prog .on span{color:#0A2A5E}
form.q{padding:20px 24px 24px}
.step{display:flex;flex-direction:column;gap:16px}
.step[hidden]{display:none!important}
fieldset{border:0;margin:0;padding:0;min-width:0}
legend,.lbl{font-family:var(--disp);font-weight:700;font-size:1.05rem;letter-spacing:.06em;text-transform:uppercase;color:#0A2A5E;margin-bottom:10px;padding:0}
.lbl{display:block;margin-bottom:6px;font-size:.92rem}
.tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
.tile{position:relative;cursor:pointer}
.tile input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.tile .tb{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;text-align:center;border:1.5px solid #C9D2E2;border-radius:6px;padding:12px 6px 10px;min-height:92px;font-weight:600;font-size:.86rem;line-height:1.2;color:#111827;background:#fff;transition:all .15s}
.tile svg{width:34px;height:34px;stroke:#0A2A5E;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.tile:hover .tb{border-color:#0A2A5E}
.tile input:checked + .tb{border-color:#0A2A5E;background:#0A2A5E;color:#fff;box-shadow:0 0 0 3px rgba(217,180,74,.55)}
.tile input:checked + .tb svg{stroke:#D9B44A}
.tile input:focus-visible + .tb{outline:3px solid #D9B44A;outline-offset:2px}
.chk{display:flex;align-items:center;gap:10px;font-size:.95rem;font-weight:500;cursor:pointer}
.chk input{width:20px;height:20px;accent-color:#0A2A5E}
.fld{display:flex;flex-direction:column;min-width:0}
.fld input,.fld select{font-family:var(--text);font-size:1.02rem;padding:12px 13px;border:1.5px solid #9AA6BD;border-radius:5px;background:#fff;color:#111827;width:100%;min-width:0}
.fld input:focus,.fld select:focus{border-color:#0A2A5E;outline:3px solid rgba(217,180,74,.6);outline-offset:0}
.fld .hint{font-size:.8rem;color:#5A6478;margin-top:5px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.err{color:#B31942;font-size:.85rem;font-weight:600;min-height:1.2em}
.nav2{display:flex;gap:10px;align-items:center}
.nav2 .btn{flex:1}
.back{background:none;border:0;color:#0A2A5E;font-weight:600;cursor:pointer;padding:12px 8px;text-decoration:underline;text-underline-offset:3px}
.consent{font-size:.74rem;color:#5A6478;line-height:1.5}
.alt{font-size:.88rem;color:#404040;text-align:center;border-top:1px solid #E1E6EF;padding-top:14px}
.alt a{color:#0A2A5E;font-weight:700;white-space:nowrap}
.done-panel{text-align:center;display:flex;flex-direction:column;gap:12px;align-items:center;padding-block:10px}
.done-panel .ok{width:56px;height:56px;border-radius:50%;background:#0A2A5E;display:flex;align-items:center;justify-content:center}
.done-panel .ok svg{width:28px;height:28px;stroke:#D9B44A;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.done-panel h3{font-size:1.6rem;text-transform:uppercase}

/* trust strip */
.trust{background:#fff;border-bottom:1px solid #D5DCE9}
.trust .in{display:grid;grid-template-columns:auto auto 1fr;gap:28px 44px;align-items:center;padding-block:26px}
.tr-item{display:flex;align-items:center;gap:12px}
.tr-item .ico{width:44px;height:44px;border-radius:50%;background:#F3F5F9;display:flex;align-items:center;justify-content:center;flex:none}
.tr-item .ico svg{width:22px;height:22px;stroke:#0A2A5E;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tr-item b{display:block;font-family:var(--disp);font-size:1.15rem;font-weight:700;color:#0A2A5E;letter-spacing:.02em;line-height:1.1}
.tr-item span{font-size:.86rem;color:#5A6478}
.tr-item a{color:#0A2A5E;font-weight:600}
.carriers{display:flex;flex-direction:column;gap:8px;min-width:0}
.carriers small{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:#5A6478;font-weight:600}
.clogos{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px}
.clogos span{height:40px;border-radius:4px;background:#F3F5F9;display:flex;align-items:center;justify-content:center;font-family:var(--disp);font-weight:700;letter-spacing:.12em;font-size:.8rem;color:#9AA6BD;text-transform:uppercase}

/* carrier logo strip */
.cstrip{background:#fff;border-bottom:1px solid #D5DCE9;padding-block:36px}
.clogogrid{max-width:1200px;margin-inline:auto;padding-inline:20px;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:18px;align-items:stretch}
.clg{height:72px;display:flex;align-items:center;justify-content:center;background:#F6F7FA;border-radius:6px;padding:10px 16px}
.clg img{max-height:100%;max-width:100%;width:auto;height:auto;object-fit:contain;filter:grayscale(1);opacity:.72;transition:filter .2s ease,opacity .2s ease;mix-blend-mode:multiply}
.clg-text{font-family:var(--disp);font-weight:700;letter-spacing:.1em;font-size:.82rem;color:#5A6478;text-transform:uppercase;text-align:center}
.ccap{text-align:center;font-size:.8rem;color:#5A6478;margin-top:22px}
@media (hover:hover){.clg img:hover{filter:grayscale(0);opacity:1}}
@media (max-width:760px){
  .clogogrid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px 16px}
  .clg img{filter:none;opacity:1}
}

/* sections */
section.s{padding-block:clamp(48px,6.5vw,84px)}
.mist{background:#F3F5F9}
.dark{background:#061A40;color:#DDE3EE}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--disp);font-weight:700;font-size:.95rem;letter-spacing:.2em;text-transform:uppercase;color:#8C5A0A}
.eyebrow::before{content:"";width:28px;height:3px;background:#D9B44A}
.dark .eyebrow{color:#D9B44A}
.s h2{font-weight:800;font-size:clamp(2.3rem,4.6vw,3.6rem);text-transform:uppercase;margin-block:12px 16px;letter-spacing:-.003em}
.dark h2{color:#F8EFB2}
.intro{font-size:1.12rem;max-width:40em;color:#404040}
.dark .intro{color:#C8D2E8}
.head{margin-bottom:34px}

/* numbers */
.nums{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:64px;align-items:center}
.big{font-family:var(--disp);font-weight:800;font-size:clamp(4.2rem,11vw,8.6rem);line-height:.85;color:#0A2A5E;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.big sup{font-size:.42em;vertical-align:.95em;margin-right:4px;color:#D9B44A}
.big-cap{font-size:1.12rem;max-width:26em;margin-top:18px;color:#404040}
.chart{background:#fff;border:1px solid #D5DCE9;border-radius:8px;padding:26px 26px 18px;position:relative}
.chart h3{font-size:1.25rem;text-transform:uppercase;letter-spacing:.04em}
.chart .sub2{font-size:.88rem;color:#5A6478;margin:4px 0 22px}
.rows{display:flex;flex-direction:column;gap:18px}
.row{display:grid;grid-template-columns:minmax(0,1fr);gap:6px;cursor:default;border-radius:4px}
.row .rl{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap}
.row .rl b{font-weight:600;color:#111827;font-size:.95rem}
.row .rl span{font-size:.8rem;color:#5A6478}
.track{display:flex;align-items:center;gap:12px;height:26px}
.fill{height:18px;min-width:6px;width:calc(var(--v) * 78%);background:#0A2A5E;border-radius:0 4px 4px 0;transition:width .9s cubic-bezier(.2,.8,.2,1)}
.row.hi .fill{background:#D9B44A}
.val{font-family:var(--disp);font-weight:700;font-size:1.2rem;color:#111827;font-variant-numeric:tabular-nums;white-space:nowrap}
.row:hover .fill{filter:brightness(1.15)}
.src{font-size:.78rem;color:#5A6478;margin-top:20px;border-top:1px solid #E1E6EF;padding-top:12px}
.src a{color:#0A2A5E}
.tip{position:absolute;pointer-events:none;background:#111827;color:#fff;font-size:.8rem;line-height:1.4;padding:8px 10px;border-radius:5px;max-width:260px;opacity:0;transform:translateY(4px);transition:opacity .12s,transform .12s;z-index:5}
.tip.on{opacity:1;transform:none}

/* explorer */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.tabs button{font-family:var(--disp);font-weight:700;font-size:1rem;letter-spacing:.06em;text-transform:uppercase;border:1.5px solid #C9D2E2;background:#fff;color:#0A2A5E;padding:10px 16px;border-radius:999px;cursor:pointer;transition:all .15s}
.tabs button:hover{border-color:#0A2A5E}
.tabs button[aria-selected="true"]{background:#0A2A5E;border-color:#0A2A5E;color:#F8EFB2}
.panel{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:20px}
.pmain{background:#fff;border:1px solid #D5DCE9;border-radius:8px;padding:28px;display:flex;flex-direction:column;gap:18px;min-width:0}
.pmain h3{font-size:2rem;text-transform:uppercase}
.pmain .who{font-size:1.08rem;color:#404040}
.covs{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px}
.cov{border-top:3px solid #D9B44A;background:#F3F5F9;padding:14px 16px 16px;border-radius:0 0 6px 6px;display:flex;flex-direction:column;gap:4px}
.cov b{font-family:var(--disp);font-weight:700;font-size:1.12rem;color:#0A2A5E;letter-spacing:.02em}
.cov span{font-size:.9rem;color:#404040;line-height:1.45}
.pside{display:flex;flex-direction:column;gap:14px;min-width:0}
.pbox{background:#0A2A5E;color:#DDE3EE;border-radius:8px;padding:22px;display:flex;flex-direction:column;gap:8px}
.pbox h4{color:#D9B44A;font-size:.95rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700}
.pbox p{font-size:.95rem;line-height:1.5}
.pbox.lt{background:#fff;border:1px solid #D5DCE9;color:#404040}
.pbox.lt h4{color:#8C5A0A}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px;position:relative}
.steps::before{content:"";position:absolute;top:44px;left:8%;right:8%;height:4px;background:repeating-linear-gradient(90deg,#D9B44A 0 26px,transparent 26px 50px);opacity:.7}
.st{display:flex;flex-direction:column;gap:12px;position:relative}
.st svg.sh{width:78px;height:86px;filter:drop-shadow(0 6px 14px rgba(0,0,0,.4))}
.st h3{color:#fff;font-size:1.7rem;text-transform:uppercase}
.st p{color:#C8D2E8;font-size:1rem;max-width:22em}
.promise{margin-top:44px;display:flex;align-items:center;gap:14px;background:rgba(255,255,255,.06);border:1px solid rgba(248,239,178,.2);border-radius:6px;padding:16px 20px;max-width:620px}
.promise svg{width:26px;height:26px;stroke:#D9B44A;fill:none;stroke-width:2;flex:none}
.promise p{color:#F8EFB2;font-weight:500}

/* compare */
.two{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:48px;align-items:start}
.cmp{max-width:860px;margin-inline:auto}
.cmp h3{font-size:1.7rem;text-transform:uppercase;margin-bottom:16px}
.cmpwrap{overflow-x:auto;border-radius:8px;border:1px solid #D5DCE9;background:#fff}
/* step 1 pre-call checklist (on dark "how it works" background) */
.st-check{list-style:none;margin:10px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2px 18px;font-size:.84rem;color:#C9D2E3;max-width:26em}
.st-check li{padding:6px 0;border-top:1px solid rgba(255,255,255,.14)}
.st-check li:nth-child(-n+2){border-top:none;padding-top:0}
table{border-collapse:collapse;width:100%;min-width:520px}
th,td{text-align:left;padding:16px 18px;border-bottom:1px solid #E6EAF2;vertical-align:top;font-size:.96rem}
thead th{font-family:var(--disp);font-weight:700;font-size:1rem;letter-spacing:.08em;text-transform:uppercase;color:#5A6478;background:#F3F5F9}
thead th.us{background:#0A2A5E;color:#F8EFB2}
td.us{background:#FBF8EA;color:#111827;font-weight:600}
tbody th{font-family:var(--disp);font-weight:700;font-size:1.02rem;color:#0A2A5E;letter-spacing:.02em;width:26%}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}

/* team */
.team{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.ag{background:#fff;border:1px solid #D5DCE9;border-radius:8px;overflow:hidden;display:flex;flex-direction:column}
.ag .ph{aspect-ratio:4/3.2;max-width:100%;background:linear-gradient(160deg,#0F3573,#061A40);display:flex;align-items:center;justify-content:center;position:relative}
.ag .ph span{width:96px;height:96px;border-radius:50%;border:3px solid #D9B44A;display:flex;align-items:center;justify-content:center;font-family:var(--disp);font-weight:800;font-size:2.2rem;color:#F8EFB2}
.ag .ph small{position:absolute;bottom:10px;left:0;right:0;text-align:center;color:#9AA6BD;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
.ag .bd{padding:18px 20px 20px;display:flex;flex-direction:column;gap:4px}
.ag h3{font-size:1.45rem;text-transform:uppercase}
.ag .role{font-size:.9rem;color:#8C5A0A;font-weight:600}
.ag .lic{font-size:.82rem;color:#5A6478}

/* reviews */
.revs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.rv{margin:0;background:#0A2A5E;color:#DDE3EE;border-radius:8px;padding:28px 26px 24px;display:flex;flex-direction:column;gap:16px;position:relative}
.rv::before{content:"\201C";font-family:Georgia,serif;font-size:5rem;line-height:.6;color:#D9B44A;height:28px}
.rv blockquote{margin:0;font-size:1.08rem;line-height:1.55;color:#fff}
.rv figcaption{margin-top:auto;display:flex;align-items:center;gap:10px;font-family:var(--disp);font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#F8EFB2}
.rv figcaption small{font-family:var(--text);font-weight:500;letter-spacing:0;text-transform:none;color:#9AA6BD;font-size:.8rem}
.gcta{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:22px;background:#fff;border:1px solid #D5DCE9;border-radius:8px;padding:18px 22px}
.gcta p{font-weight:600;color:#111827}
.gcta p span{display:block;font-weight:400;font-size:.9rem;color:#5A6478}

/* guides */
.guides{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:18px}
.gd{grid-column:span 2;background:#fff;border:1px solid #D5DCE9;border-radius:8px;padding:24px;display:flex;flex-direction:column;gap:10px;text-decoration:none;transition:border-color .15s,transform .15s,box-shadow .15s}
.gd:nth-child(4),.gd:nth-child(5){grid-column:span 3}
.gd:hover{border-color:#0A2A5E;transform:translateY(-2px);box-shadow:0 12px 24px -14px rgba(6,26,64,.4)}
.gd .tg{font-family:var(--disp);font-weight:700;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:#8C5A0A}
.gd h3{font-size:1.5rem;text-transform:uppercase;line-height:1.02}
.gd p{font-size:.95rem;color:#404040}
.gd .go{margin-top:auto;font-family:var(--disp);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.9rem;color:#0A2A5E}
.gd .go::after{content:" \2192";color:#D9B44A}
.gd.feature{background:#0A2A5E;border-color:#0A2A5E}
.gd.feature h3{color:#F8EFB2}
.gd.feature p{color:#C8D2E8}
.gd.feature .tg{color:#D9B44A}
.gd.feature .go{color:#fff}
.guides-more{text-align:center;margin-top:28px}
.guides-full{grid-template-columns:repeat(2,minmax(0,1fr))}
.guides-full .gd{grid-column:span 1}
.guides-full .gd.feature{grid-column:1/-1}

/* coverage stat band */
.statband{display:flex;align-items:center;gap:28px;background:#F3F5F9;border:1px solid #D5DCE9;border-radius:8px;padding:22px 26px;margin-bottom:28px}
.sb-num{font-family:var(--disp);font-weight:800;font-size:clamp(2.4rem,5vw,3.4rem);color:#0A2A5E;letter-spacing:-.02em;font-variant-numeric:tabular-nums;flex:none}
.statband p{font-size:1rem;color:#404040;max-width:40em}
@media (max-width:620px){.statband{flex-direction:column;align-items:flex-start;gap:10px}}

/* client center */
.cc{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.cc a{background:#fff;border:1px solid #D5DCE9;border-radius:8px;padding:22px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:#404040;transition:border-color .15s}
.cc a:hover{border-color:#0A2A5E}
.cc .ci{width:46px;height:46px;border-radius:8px;background:#0A2A5E;display:flex;align-items:center;justify-content:center}
.cc .ci svg{width:24px;height:24px;stroke:#D9B44A;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cc h3{font-size:1.35rem;text-transform:uppercase}
.cc p{font-size:.92rem}

/* faq */
.faqgrid{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:56px;align-items:start}
.faq{display:flex;flex-direction:column;gap:0;border-top:1px solid #D5DCE9}
details{border-bottom:1px solid #D5DCE9}
summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:20px 2px;font-family:var(--disp);font-weight:700;font-size:1.32rem;color:#0A2A5E;letter-spacing:.01em;line-height:1.15}
summary::-webkit-details-marker{display:none}
summary .pm{width:30px;height:30px;border-radius:50%;border:2px solid #D9B44A;flex:none;position:relative;transition:transform .2s}
summary .pm::before,summary .pm::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:#8C5A0A;transform:translate(-50%,-50%)}
summary .pm::after{transform:translate(-50%,-50%) rotate(90deg);transition:transform .2s}
details[open] summary .pm::after{transform:translate(-50%,-50%) rotate(0)}
.ans{padding:0 2px 22px;font-size:1.02rem;color:#404040;max-width:44em;display:flex;flex-direction:column;gap:10px}
.ans a{color:#0A2A5E;font-weight:600}

/* final */
.final{background:radial-gradient(700px 360px at 12% 110%,rgba(217,180,74,.22),transparent 70%),linear-gradient(160deg,#061A40,#0A2A5E);color:#fff}
.final .in{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:56px;align-items:center;padding-block:clamp(48px,6.5vw,84px)}
.final .lead{display:flex;gap:28px;align-items:center}
.final .lead svg{width:150px;height:150px;flex:none;filter:drop-shadow(0 16px 30px rgba(0,0,0,.45))}
.final h2{color:#F8EFB2;font-size:clamp(2.4rem,5vw,3.8rem);font-weight:800;text-transform:uppercase}
.final .num{display:inline-block;font-family:var(--disp);font-weight:800;font-size:clamp(2.2rem,5vw,3.4rem);color:#fff;text-decoration:none;letter-spacing:.01em;margin-top:10px}
.final .num:hover{color:#F8EFB2}
.final p.l{color:#C8D2E8;font-size:1.08rem;margin-top:8px;max-width:28em}
.final .acts{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.office{background:rgba(255,255,255,.06);border:1px solid rgba(248,239,178,.22);border-radius:8px;padding:26px;display:flex;flex-direction:column;gap:14px}
.office h3{color:#D9B44A;font-size:1rem;letter-spacing:.18em;text-transform:uppercase}
.office dl{margin:0;display:grid;grid-template-columns:auto minmax(0,1fr);gap:10px 18px;font-size:.98rem}
.office dt{font-family:var(--disp);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#9AA6BD;font-size:.88rem;padding-top:2px}
.office dd{margin:0;color:#fff}
.office .coord{font-family:var(--disp);letter-spacing:.1em;color:#F8EFB2;font-size:.95rem}

footer{background:#030B1F;color:#9AA6BD;font-size:.92rem}
footer .cols{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:36px;padding-block:52px 36px}
footer .fb{display:flex;gap:14px;align-items:flex-start}
footer .fb svg{width:64px;height:64px;flex:none}
footer .fb b{font-family:var(--disp);font-weight:800;font-size:1.25rem;letter-spacing:.04em;color:#F8EFB2;text-transform:uppercase;display:block;line-height:1.05}
footer .fb p{margin-top:8px;max-width:22em}
footer h4{color:#D9B44A;font-size:.9rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:12px}
footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
footer a{text-decoration:none;color:#C8D2E8}
footer a:hover{color:#F8EFB2}
.legal{border-top:1px solid #16264A}
.legal .in{display:flex;justify-content:space-between;gap:12px 24px;flex-wrap:wrap;padding-block:18px;font-size:.8rem}

.callbar{display:none}

@media (max-width:1100px){
  nav.main{display:none}
  nav.main.open{display:flex;position:absolute;left:0;right:0;top:100%;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid #D5DCE9;padding:8px 20px 16px;box-shadow:0 18px 30px -18px rgba(0,0,0,.3)}
  nav.main.open a{padding:12px 0;border-bottom:1px solid #EEF1F6}
  .menu{display:block}
  .bar{position:relative}
  .hero .in{grid-template-columns:minmax(0,1fr);grid-template-rows:none;gap:28px;padding-block:52px 120px}
  .hero-head,.hero-rest,.hero .qc{grid-column:auto;grid-row:auto}
  .nums,.two,.faqgrid,.final .in,.panel{grid-template-columns:minmax(0,1fr);gap:36px}
  .trust .in{grid-template-columns:1fr 1fr}
  .carriers{grid-column:1/-1}
  .cc{grid-template-columns:1fr 1fr}
  .guides{grid-template-columns:1fr 1fr}
  .gd,.gd:nth-child(4),.gd:nth-child(5){grid-column:span 1}
  .gd.feature{grid-column:1/-1}
  footer .cols{grid-template-columns:1fr 1fr}
  footer .cols > div:first-child{grid-column:1/-1}
}
@media (max-width:760px){
  .hphone{display:none}
  .bar > .btn.gold{display:none}
  table{min-width:0}
  thead{display:none}
  tbody tr{display:grid;grid-template-columns:1fr 1fr}
  tbody th{grid-column:1/-1;width:auto;border-bottom:0;padding-bottom:0}
  td{font-size:.9rem;padding-top:8px}
  td::before{content:attr(data-label);display:block;font-family:var(--disp);font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:#5A6478;margin-bottom:2px}
  td.us::before{color:#8C5A0A}
  .team,.revs{grid-template-columns:minmax(0,1fr)}
  .steps{grid-template-columns:minmax(0,1fr);gap:28px}
  .steps::before{display:none}
  .st{flex-direction:row;align-items:flex-start;gap:18px}
  .st svg.sh{width:60px;height:66px;flex:none}
  .st-check{grid-template-columns:minmax(0,1fr)}
  .st-check li:nth-child(-n+2){border-top:1px solid rgba(255,255,255,.14);padding-top:6px}
  .st-check li:first-child{border-top:none;padding-top:0}
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;gap:10px;background:#061A40;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));box-shadow:0 -8px 24px rgba(0,0,0,.35);transition:transform .25s ease,opacity .25s ease}
  .callbar.hide{transform:translateY(100%);opacity:0;pointer-events:none}
  .callbar .btn{flex:1;padding:14px 10px;min-height:44px;display:flex;align-items:center;justify-content:center}
  body{padding-bottom:76px}
  .util nav{display:none}
  .final .lead{flex-direction:column;align-items:flex-start;gap:18px}
  .final .lead svg{width:110px;height:110px}
  /* Keep the Chatwoot launcher clear of the sticky call bar */
  .woot-widget-bubble,.woot-widget--expanded,.woot-widget-holder{bottom:84px!important}
}
@media (max-width:520px){
  .tiles{grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid2,.trust .in,.cc,.guides,footer .cols{grid-template-columns:minmax(0,1fr)}
  .clogos{grid-template-columns:repeat(3,minmax(0,1fr))}
  .brand .wm b{font-size:1.05rem}
  .brand .wm small{display:none}
  .brand svg{width:44px;height:44px}
  .pmain,.chart,.ready{padding:20px}
  form.q,.qc-top{padding-inline:18px}
  .hero .acts .btn{flex:1}
  .hero .acts .btn.line{white-space:nowrap}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}