:root {
  --ink: #10201c;
  --ink-2: #2a3b36;
  --muted: #5d6d68;
  --cream: #f7f2e8;
  --paper: #fffdf8;
  --sage: #d9e6d8;
  --forest: #17453a;
  --forest-2: #0f3229;
  --apricot: #ff8a5b;
  --apricot-2: #f2703d;
  --gold: #f4c15d;
  --line: rgba(16, 32, 28, .12);
  --radius: 22px;
  --shadow: 0 30px 60px -30px rgba(15, 50, 41, .45), 0 8px 20px -10px rgba(15, 50, 41, .2);
  --serif: "Fraunces", Georgia, serif;
  --sans: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
[id] { scroll-margin-top: 88px; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  font-size: 1rem;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.08; letter-spacing: -.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.5rem, 7vw, 4.6rem); }
h2 { font-size: clamp(2rem, 4.6vw, 3.2rem); }
h3 { font-size: 1.35rem; }
p { margin: 0 0 1em; }
em.hl { font-style: italic; color: var(--apricot-2); }

.wrap { width: min(1180px, 100% - 2.5rem); margin-inline: auto; }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: .6rem 1rem; z-index: 100; }
.skip:focus { left: 1rem; top: 1rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--forest);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--apricot); border-radius: 2px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font: 700 1rem/1 var(--sans);
  padding: 1.05rem 1.6rem; border-radius: 999px; border: 0; cursor: pointer;
  text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, background .2s;
}
.btn-primary { background: var(--apricot); color: var(--ink); box-shadow: 0 12px 24px -12px rgba(242, 112, 61, .8); }
.btn-primary:hover { background: var(--apricot-2); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--ink); border: 1.5px solid var(--line); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-dark { background: var(--forest); color: #fff; }
.btn-dark:hover { background: var(--forest-2); transform: translateY(-2px); }
.btn svg { width: 18px; height: 18px; }
:focus-visible { outline: 3px solid var(--apricot); outline-offset: 3px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 242, 232, .82);
  backdrop-filter: saturate(1.4) blur(12px);
  -webkit-backdrop-filter: saturate(1.4) blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s;
}
.site-header.scrolled { border-bottom-color: var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { display: inline-flex; align-items: center; gap: .6rem; text-decoration: none; font-family: var(--serif); font-weight: 600; font-size: 1.25rem; letter-spacing: -.02em; }
.logo svg { width: 34px; height: 34px; }
.nav-links { display: none; gap: 2rem; list-style: none; margin: 0; padding: 0; }
.nav-links a { text-decoration: none; font-weight: 600; font-size: .95rem; color: var(--ink-2); }
.nav-links a:hover { color: var(--apricot-2); }
.nav .btn { padding: .8rem 1.2rem; font-size: .92rem; }

/* Hero */
.hero { position: relative; overflow: hidden; padding: 2.5rem 0 4rem; }
.hero::before {
  content: ""; position: absolute; inset: auto -20% -40% auto; width: 70vw; height: 70vw; max-width: 900px; max-height: 900px;
  background: radial-gradient(circle at center, rgba(255, 138, 91, .28), transparent 62%);
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute; top: -20%; left: -25%; width: 60vw; height: 60vw; max-width: 760px; max-height: 760px;
  background: radial-gradient(circle at center, rgba(23, 69, 58, .14), transparent 60%);
  pointer-events: none;
}
.hero-grid { position: relative; z-index: 1; display: grid; gap: 2.5rem; }
.hero-copy .lead { font-size: 1.15rem; color: var(--ink-2); max-width: 34ch; }
.hero-copy h1 { margin-top: .6rem; }
.hero-points { list-style: none; padding: 0; margin: 1.6rem 0 0; display: grid; gap: .7rem; }
.hero-points li { display: flex; gap: .7rem; align-items: flex-start; font-weight: 600; }
.hero-points svg { flex: none; width: 24px; height: 24px; margin-top: 1px; }
.hero-art { margin-top: 2rem; max-width: 420px; display: none; }

/* Form card */
.form-card {
  background: var(--paper);
  border-radius: 28px;
  box-shadow: var(--shadow);
  padding: 1.6rem 1.3rem 1.4rem;
  border: 1px solid rgba(255, 255, 255, .8);
  position: relative;
}
.form-card::before {
  content: ""; position: absolute; inset: -1px; border-radius: 29px; padding: 1px;
  background: linear-gradient(140deg, rgba(255, 138, 91, .6), transparent 40%, rgba(23, 69, 58, .35));
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  pointer-events: none;
}
.form-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: .9rem; }
.form-head h2 { font-size: 1.5rem; margin: 0; }
.step-count { font-size: .82rem; font-weight: 700; color: var(--muted); white-space: nowrap; }
.progress { height: 6px; background: var(--sage); border-radius: 99px; overflow: hidden; margin-bottom: 1.4rem; }
.progress span { display: block; height: 100%; width: 33.33%; background: linear-gradient(90deg, var(--forest), var(--apricot)); border-radius: inherit; transition: width .45s cubic-bezier(.6, .1, .2, 1); }

.step { display: none; border: 0; padding: 0; margin: 0; min-width: 0; }
.step.active { display: block; animation: stepIn .45s ease both; }
@keyframes stepIn { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: none; } }
.step-title { font-family: var(--serif); font-size: 1.15rem; font-weight: 600; margin: 0 0 .9rem; }

fieldset.q { border: 0; padding: 0; margin: 0 0 1.15rem; min-width: 0; }
fieldset.q legend { font-weight: 700; font-size: .92rem; margin-bottom: .55rem; padding: 0; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: .55rem; }
.choices.three { grid-template-columns: repeat(3, 1fr); }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.choice span {
  display: flex; flex-direction: column; gap: .15rem; height: 100%;
  padding: .75rem .8rem; border-radius: 14px; border: 1.5px solid var(--line);
  background: #fff; font-weight: 700; font-size: .92rem; line-height: 1.25;
  transition: border-color .2s, background .2s, transform .15s;
}
.choice span small { font-weight: 500; color: var(--muted); font-size: .76rem; }
.choice input:hover + span { border-color: rgba(23, 69, 58, .4); }
.choice input:checked + span { border-color: var(--forest); background: #eef5ec; box-shadow: inset 0 0 0 1px var(--forest); }
.choice input:focus-visible + span { outline: 3px solid var(--apricot); outline-offset: 2px; }

.field { display: block; margin-bottom: .95rem; }
.field > span { display: block; font-weight: 700; font-size: .88rem; margin-bottom: .35rem; }
.field input, .field select {
  width: 100%; font: 500 1rem var(--sans); color: var(--ink);
  padding: .85rem .95rem; border-radius: 12px; border: 1.5px solid var(--line); background: #fff;
  transition: border-color .2s, box-shadow .2s; appearance: none; -webkit-appearance: none;
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2310201c' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center; padding-right: 2.5rem;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--forest); box-shadow: 0 0 0 4px rgba(23, 69, 58, .12); }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; }

.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .82rem; color: var(--ink-2); line-height: 1.45; margin: .3rem 0 1.1rem; cursor: pointer; }
.consent input { flex: none; width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--forest); cursor: pointer; }

.step-nav { display: flex; gap: .6rem; margin-top: .4rem; }
.step-nav .btn { flex: 1; }
.step-nav .btn-ghost { flex: 0 0 auto; padding-inline: 1.1rem; }
.form-foot { display: flex; align-items: center; gap: .5rem; justify-content: center; margin-top: 1rem; font-size: .78rem; color: var(--muted); }
.form-foot svg { width: 14px; height: 14px; }

/* Trust strip */
.strip { background: var(--forest); color: #e9f1ea; }
.strip ul { list-style: none; margin: 0; padding: 1.3rem 0; display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 1.5rem; }
.strip li { display: flex; align-items: center; gap: .65rem; font-weight: 600; font-size: .92rem; }
.strip svg { width: 22px; height: 22px; flex: none; color: var(--gold); }

/* Sections */
section.block { padding: 5rem 0; }
.section-head { max-width: 640px; margin-bottom: 2.6rem; }
.section-head p { color: var(--muted); font-size: 1.08rem; }

/* Steps */
.how { display: grid; gap: 1.2rem; counter-reset: how; }
.how-item { background: var(--paper); border-radius: var(--radius); padding: 1.8rem; border: 1px solid var(--line); position: relative; overflow: hidden; }
.how-item::before {
  counter-increment: how; content: "0" counter(how);
  font-family: var(--serif); font-size: 4.2rem; font-weight: 600; line-height: 1;
  color: transparent; -webkit-text-stroke: 1.5px var(--apricot);
  position: absolute; right: 1.2rem; top: .8rem; opacity: .7;
}
.how-item .ico { width: 52px; height: 52px; border-radius: 16px; background: var(--sage); display: grid; place-items: center; margin-bottom: 1.1rem; }
.how-item .ico svg { width: 26px; height: 26px; color: var(--forest); }
.how-item p { color: var(--muted); margin: 0; }

/* Coverage types */
.types { background: var(--paper); border-block: 1px solid var(--line); }
.type-grid { display: grid; gap: 1.2rem; }
.type-card {
  border-radius: var(--radius); padding: 2rem 1.7rem; position: relative; overflow: hidden;
  background: var(--cream); border: 1px solid var(--line);
  transition: transform .3s ease, box-shadow .3s ease;
}
.type-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.type-card.featured { background: var(--forest); color: #eef4ef; border-color: var(--forest); }
.type-card.featured p, .type-card.featured li { color: #cfe0d3; }
.type-card .tag { display: inline-block; font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: .35rem .7rem; border-radius: 99px; background: var(--gold); color: var(--ink); margin-bottom: 1rem; }
.type-card .tag.soft { background: var(--sage); }
.type-card p { color: var(--muted); }
.type-card ul { list-style: none; padding: 0; margin: 1.2rem 0 0; display: grid; gap: .5rem; }
.type-card li { display: flex; gap: .55rem; font-size: .95rem; color: var(--ink-2); }
.type-card li::before { content: ""; flex: none; width: 8px; height: 8px; border-radius: 50%; background: var(--apricot); margin-top: .5rem; }
.type-card .shape { position: absolute; right: -40px; bottom: -40px; width: 150px; height: 150px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 138, 91, .35), transparent 70%); }

/* Calculator */
.calc { display: grid; gap: 2rem; align-items: start; }
.calc-panel { background: var(--paper); border-radius: 28px; padding: 1.8rem 1.5rem; border: 1px solid var(--line); }
.range { margin-bottom: 1.5rem; }
.range-top { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: .55rem; }
.range-top label { font-weight: 700; font-size: .95rem; }
.range-top output { font-family: var(--serif); font-weight: 600; font-size: 1.15rem; color: var(--forest); white-space: nowrap; }
input[type="range"] { width: 100%; -webkit-appearance: none; appearance: none; height: 8px; border-radius: 99px; background: linear-gradient(90deg, var(--forest) var(--p, 50%), var(--sage) var(--p, 50%)); cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 3px solid var(--apricot); box-shadow: 0 4px 10px rgba(0, 0, 0, .15); }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--apricot); }
.calc-result {
  background: radial-gradient(120% 120% at 100% 0%, #24604f 0%, var(--forest-2) 60%);
  color: #fff; border-radius: 28px; padding: 2.2rem 1.8rem; position: relative; overflow: hidden;
}
.calc-result::after { content: ""; position: absolute; width: 260px; height: 260px; border-radius: 50%; border: 40px solid rgba(244, 193, 93, .12); right: -90px; top: -90px; }
.calc-result .label { font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--gold); }
.calc-result .amount { font-family: var(--serif); font-size: clamp(2.6rem, 8vw, 4rem); font-weight: 600; line-height: 1.05; margin: .5rem 0 1rem; letter-spacing: -.02em; }
.calc-result p { color: #cfe0d3; font-size: .95rem; }
.calc-result .btn { margin-top: .6rem; position: relative; z-index: 1; }
.disclaimer { font-size: .8rem; color: var(--muted); margin-top: 1rem; }

/* Why */
.why-grid { display: grid; gap: 1rem; }
.why { display: flex; gap: 1rem; padding: 1.4rem; border-radius: 18px; background: rgba(255, 255, 255, .55); border: 1px solid var(--line); }
.why svg { flex: none; width: 40px; height: 40px; color: var(--apricot-2); }
.why h3 { font-size: 1.12rem; margin-bottom: .3rem; }
.why p { margin: 0; color: var(--muted); font-size: .95rem; }

/* FAQ */
.faq { max-width: 820px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; padding: 1.3rem 2.5rem 1.3rem 0; position: relative;
  font-family: var(--serif); font-size: 1.18rem; font-weight: 600;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: .3rem; top: 50%; width: 14px; height: 14px; margin-top: -7px;
  background: linear-gradient(var(--ink), var(--ink)) center/100% 2px no-repeat, linear-gradient(var(--ink), var(--ink)) center/2px 100% no-repeat;
  transition: transform .3s;
}
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--ink-2); padding-bottom: 1.2rem; margin: 0; max-width: 68ch; }

/* CTA */
.cta {
  margin: 0 auto 5rem; border-radius: 32px; padding: 3rem 1.6rem; text-align: center;
  background: linear-gradient(135deg, var(--apricot) 0%, #ffb27f 55%, var(--gold) 100%);
  position: relative; overflow: hidden;
}
.cta::before, .cta::after { content: ""; position: absolute; border-radius: 50%; border: 2px solid rgba(16, 32, 28, .12); }
.cta::before { width: 340px; height: 340px; left: -120px; bottom: -180px; }
.cta::after { width: 220px; height: 220px; right: -60px; top: -90px; }
.cta h2 { max-width: 18ch; margin-inline: auto; }
.cta p { max-width: 50ch; margin: 0 auto 1.6rem; color: var(--ink-2); font-size: 1.08rem; }

/* Footer */
.site-footer { background: var(--ink); color: #b9c7c1; padding: 3.5rem 0 2rem; font-size: .92rem; }
.site-footer .logo { color: #fff; }
.foot-grid { display: grid; gap: 2rem; margin-bottom: 2.5rem; }
.site-footer h3 { font-family: var(--sans); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: #fff; margin-bottom: 1rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .5rem; }
.site-footer a { color: #b9c7c1; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.foot-bottom { border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 1.5rem; font-size: .8rem; display: grid; gap: .6rem; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* Simple pages */
.page { min-height: 70vh; padding: 4rem 0 5rem; }
.page .prose { max-width: 760px; }
.page .prose h2 { font-size: 1.6rem; margin-top: 2rem; }
.page .prose p, .page .prose li { color: var(--ink-2); }
.thanks { text-align: center; max-width: 640px; margin-inline: auto; }
.thanks .badge { width: 110px; height: 110px; margin: 0 auto 1.6rem; }
.thanks ol { text-align: left; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem 1.5rem 1.5rem 2.8rem; margin: 2rem 0; }
.thanks ol li { margin-bottom: .6rem; }

/* Floating mobile CTA */
.float-cta { position: fixed; left: 1rem; right: 1rem; bottom: 1rem; z-index: 40; transform: translateY(150%); transition: transform .35s ease; box-shadow: 0 16px 30px -10px rgba(16, 32, 28, .5); }
.float-cta.show { transform: none; }

@media (min-width: 640px) {
  .strip ul { grid-template-columns: repeat(4, auto); justify-content: space-between; }
  .how { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .form-card { padding: 2rem 1.9rem 1.6rem; }
  .foot-grid { grid-template-columns: 2fr 1fr 1fr; }
}
@media (min-width: 900px) {
  .nav-links { display: flex; }
  .hero { padding: 4.5rem 0 6rem; }
  .hero-grid { grid-template-columns: 1.05fr .95fr; align-items: center; gap: 4rem; }
  .hero-art { display: block; }
  .type-grid { grid-template-columns: repeat(3, 1fr); }
  .calc { grid-template-columns: 1.1fr .9fr; gap: 2.5rem; }
  .calc-result { position: sticky; top: 100px; }
  .cta { padding: 4.5rem 3rem; }
  .float-cta { display: none; }
  section.block { padding: 6.5rem 0; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}