:root{
  --bg:#F8FAFC;
  --surface:#FFFFFF;
  --text:#0F172A;
  --muted:#475569;
  --brand:#6D28D9;
  --brand2:#06B6D4;
  --accent:#F97316;
  --line:rgba(15,23,42,.12);
  --shadow:0 18px 40px rgba(15,23,42,.10);
  --white:#FFFFFF;
  --radius:18px;
  --radius-sm:12px;
  --section:64px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:"Manrope","Segoe UI",sans-serif;
  background: radial-gradient(circle at 10% 0%, rgba(109,40,217,.08), transparent 35%),
              radial-gradient(circle at 90% 10%, rgba(6,182,212,.08), transparent 38%),
              var(--bg);
  color:var(--text);
  line-height:1.6;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
ul{padding:0;margin:0;list-style:none}

.container{max-width:1200px;margin:0 auto;padding:0 16px}
.section{padding:var(--section) 0}
.grid{display:grid;gap:24px}
.card{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

.site-header{
  position:sticky;
  top:0;
  z-index:50;
  backdrop-filter:blur(12px);
  background:rgba(248,250,252,.88);
  border-bottom:1px solid var(--line);
}
.nav-wrap{height:76px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:1.05rem;white-space:nowrap}
.brand svg{width:22px;height:22px;color:var(--brand)}
.desktop-nav ul{display:flex;gap:22px;align-items:center;flex-wrap:nowrap}
.desktop-nav a{font-weight:600;color:var(--muted);padding:8px 2px;border-bottom:2px solid transparent}
.desktop-nav a.active,.desktop-nav a:hover{color:var(--text);border-color:var(--brand)}

.btn{
  height:44px;
  padding:10px 14px;
  border-radius:12px;
  border:1px solid transparent;
  font-size:14px;
  font-weight:700;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  cursor:pointer;
  transition:.2s ease;
}
.btn-primary{background:linear-gradient(135deg,var(--brand),#7C3AED);color:var(--white)}
.btn-primary:hover{transform:translateY(-1px);filter:brightness(1.05)}
.btn-outline{border-color:var(--line);color:var(--text);background:var(--surface)}
.btn-cyan{background:linear-gradient(135deg,var(--brand2),#0891B2);color:var(--white)}

.menu-toggle{display:none;border:1px solid var(--line);background:var(--surface);width:40px;height:40px;border-radius:10px;align-items:center;justify-content:center;cursor:pointer}
.menu-toggle span,.menu-toggle::before,.menu-toggle::after{content:"";display:block;width:18px;height:2px;background:var(--text);border-radius:2px;position:relative;transition:.2s}
.menu-toggle::before{position:absolute;transform:translateY(-6px)}
.menu-toggle::after{position:absolute;transform:translateY(6px)}

.mobile-menu{display:none;border-top:1px solid var(--line);background:var(--surface)}
.mobile-menu.open{display:block;animation:slideDown .25s ease}
.mobile-menu .container{padding-top:12px;padding-bottom:16px}
.mobile-menu ul{display:flex;flex-direction:column;gap:6px;margin-bottom:12px}
.mobile-menu a{display:block;padding:11px 12px;border-radius:10px;font-weight:600;color:var(--muted)}
.mobile-menu a.active,.mobile-menu a:hover{background:rgba(109,40,217,.08);color:var(--brand)}
.no-scroll{overflow:hidden}

.hero{
  min-height:80vh;
  width:100%;
  background-image:linear-gradient(110deg, rgba(0,0,0,.54), rgba(109,40,217,.26), rgba(6,182,212,.18)), url('/images/hero-insurance-agent.jpg');
  background-size:cover;
  background-position:center;
  display:flex;
  align-items:center;
}
.hero-card{max-width:670px;padding:34px;background:rgba(255,255,255,.94);border:1px solid rgba(255,255,255,.3);border-radius:24px;box-shadow:var(--shadow)}
.hero h1{font-size:clamp(1.9rem,3.8vw,3rem);line-height:1.15;margin:0 0 14px}
.hero p{margin:0 0 22px;color:var(--muted);font-size:1.03rem}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.chips span{padding:7px 12px;border-radius:999px;background:rgba(6,182,212,.1);color:#0E7490;font-weight:700;font-size:.82rem}

.section-head{display:flex;justify-content:space-between;align-items:end;gap:12px;margin-bottom:24px}
.section-head h2{margin:0;font-size:clamp(1.4rem,3vw,2rem)}
.section-head p{margin:0;color:var(--muted);max-width:680px}

.help-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.help-card{padding:20px}
.help-card .icon{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:rgba(109,40,217,.1);color:var(--brand);margin-bottom:12px}
.help-card h3{margin:0 0 8px}
.help-card p{margin:0 0 14px;color:var(--muted)}
.help-card img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:14px}

.topics-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.topic-card{padding:18px 18px 16px;display:block;border:1px solid var(--line);border-radius:14px;background:var(--surface);font-weight:700}
.topic-card span{display:block;color:var(--muted);font-size:.92rem;font-weight:500;margin-top:6px}
.topic-card:hover{border-color:rgba(109,40,217,.45);transform:translateY(-2px)}

.steps{grid-template-columns:repeat(4,minmax(0,1fr))}
.step-card{padding:20px;position:relative}
.step-no{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:rgba(249,115,22,.12);color:#C2410C;font-weight:800;margin-bottom:8px}
.step-card p{color:var(--muted);margin:0}

.testimonials{grid-template-columns:repeat(3,minmax(0,1fr))}
.testimonial{padding:20px}
.stars{color:#F59E0B;letter-spacing:2px;font-size:.95rem;margin-bottom:10px}

.faq-preview{grid-template-columns:repeat(3,minmax(0,1fr))}
.faq-item{padding:18px}
.faq-item h3{font-size:1rem;margin:0 0 8px}
.faq-item p{margin:0;color:var(--muted)}

.band{
  margin-top:16px;
  background:linear-gradient(125deg,var(--brand),#4F46E5 40%, var(--brand2));
  color:var(--white);
  padding:28px;
  border-radius:22px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:16px;
  flex-wrap:wrap;
}
.band h3{margin:0;font-size:1.5rem}
.band p{margin:5px 0 0;opacity:.95}
.band .btn{background:var(--white);color:var(--text)}

.page-hero{padding:54px 0 36px}
.page-hero h1{font-size:clamp(1.8rem,3.6vw,2.8rem);margin:0 0 12px}
.page-hero p{margin:0;color:var(--muted);max-width:760px}

.service-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.service-card{padding:22px}
.service-card h3{margin:0 0 8px}
.service-card p{margin:0;color:var(--muted)}
.inline-tag{display:inline-block;padding:6px 10px;border-radius:999px;background:rgba(6,182,212,.12);color:#0E7490;font-size:.8rem;font-weight:700;margin-bottom:8px}
.service-visual{margin-top:26px;grid-template-columns:repeat(3,minmax(0,1fr))}
.service-visual img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:16px;border:1px solid var(--line)}
.deliverables{padding:26px}
.deliverables ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.deliverables li{padding:12px 14px;border:1px solid var(--line);border-radius:12px;background:var(--surface);font-weight:600}

.claims-layout{grid-template-columns:1.1fr .9fr;align-items:start}
.timeline{padding:24px}
.timeline li{display:grid;grid-template-columns:auto 1fr;gap:12px;padding:14px 0;border-bottom:1px dashed var(--line)}
.timeline li:last-child{border-bottom:0;padding-bottom:0}
.timeline .dot{width:32px;height:32px;border-radius:9px;background:rgba(109,40,217,.12);display:grid;place-items:center;color:var(--brand);font-weight:800}
.timeline p{margin:2px 0 0;color:var(--muted)}
.claims-image{display:grid;gap:14px}
.claims-image img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:16px;border:1px solid var(--line)}

.checklist.card{padding:24px}
.progress-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.progress-bar{height:10px;background:#E2E8F0;border-radius:999px;overflow:hidden;margin-bottom:16px}
.progress-bar span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--brand),var(--brand2));transition:width .2s}
.checklist-list li{padding:10px 0;border-bottom:1px solid var(--line)}
.checklist-list li:last-child{border-bottom:0}
.checklist-list label{display:flex;align-items:center;gap:10px;color:var(--text);font-weight:600;cursor:pointer}
.checklist-list input{width:18px;height:18px}
.tip-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.tip-card{padding:18px}
.tip-card h3{margin:0 0 7px;font-size:1rem}
.tip-card p{margin:0;color:var(--muted)}

.resources-layout{grid-template-columns:1fr 1fr}
.resource-card{padding:20px}
.resource-card h3{margin:0 0 8px}
.resource-card p{margin:0;color:var(--muted)}
.glossary{padding:24px}
.glossary dl{margin:0;display:grid;grid-template-columns:1fr;gap:14px}
.glossary dt{font-weight:800}
.glossary dd{margin:4px 0 0;color:var(--muted)}

.accordion.card{padding:8px 18px}
.accordion-item{border-bottom:1px solid var(--line)}
.accordion-item:last-child{border-bottom:0}
.accordion-trigger{width:100%;background:none;border:0;text-align:left;font:inherit;font-weight:700;padding:16px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer}
.accordion-content{display:none;padding:0 0 16px;color:var(--muted)}
.accordion-item.open .accordion-content{display:block}
.accordion-trigger .plus{font-size:1.2rem;color:var(--brand)}

.fit-finder{padding:24px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px}
input,select,textarea{
  width:100%;
  border:1px solid var(--line);
  background:var(--surface);
  border-radius:12px;
  padding:11px 12px;
  font:inherit;
  color:var(--text);
}
textarea{min-height:128px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(109,40,217,.25);border-color:rgba(109,40,217,.5)}
.fit-output{margin-top:14px;padding:16px;border-radius:14px;border:1px solid var(--line);background:rgba(109,40,217,.06);display:none}
.fit-output.show{display:block}
.fit-output h3,.fit-output h4{margin:0 0 8px}
.fit-output ul{list-style:disc;padding-left:18px;margin:0 0 10px}

.contact-layout{grid-template-columns:1.2fr .8fr;align-items:start}
.form-card{padding:24px}
.form-card h2{margin-top:0}
.form-actions{margin-top:14px;display:flex;gap:10px;flex-wrap:wrap}
.form-note{font-size:.86rem;color:var(--muted)}
.side-card{padding:22px}
.side-card h3{margin:0 0 10px}
.side-card ol{margin:0;padding-left:18px;color:var(--muted)}
.side-card li{margin-bottom:8px}
.hours{margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}

.site-footer{margin-top:64px;padding:46px 0 24px;border-top:1px solid var(--line);background:linear-gradient(180deg,rgba(255,255,255,.2),rgba(255,255,255,.75))}
.footer-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr 1fr;gap:20px}
.site-footer h3,.site-footer h4{margin:0 0 10px}
.site-footer p,.site-footer li{color:var(--muted);font-size:.95rem;margin:0 0 8px}
.site-footer a:hover{color:var(--brand)}
.socials{display:flex;gap:10px;margin-top:12px}
.socials a{width:34px;height:34px;border:1px solid var(--line);border-radius:10px;display:grid;place-items:center;color:var(--muted)}
.socials a:hover{color:var(--brand);border-color:rgba(109,40,217,.35)}
.footer-bottom{margin-top:18px;padding-top:16px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.disclaimer{font-size:.88rem;color:var(--muted)}

.toast{position:fixed;right:16px;bottom:18px;background:var(--text);color:var(--white);padding:12px 14px;border-radius:12px;opacity:0;pointer-events:none;transform:translateY(10px);transition:.2s;z-index:70}
.toast.show{opacity:1;transform:translateY(0)}

.scroll-top{position:fixed;right:16px;bottom:76px;width:42px;height:42px;border-radius:12px;border:1px solid var(--line);background:var(--surface);display:none;place-items:center;cursor:pointer;box-shadow:var(--shadow);z-index:45}
.scroll-top.show{display:grid}

@keyframes slideDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}

@media (max-width:992px){
  .desktop-nav{display:none}
  .menu-toggle{display:flex;position:relative}
  .header-cta{display:none}
  .mobile-menu{display:none}
  .help-grid,.topics-grid,.testimonials,.faq-preview,.service-grid,.service-visual,.tip-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .claims-layout,.resources-layout,.contact-layout{grid-template-columns:1fr}
  .deliverables ul,.form-grid,.footer-grid{grid-template-columns:1fr 1fr}
}

@media (max-width:768px){
  :root{--section:40px}
  .nav-wrap{height:68px}
  .hero{min-height:74vh}
  .hero-card{padding:24px}
  .help-grid,.topics-grid,.steps,.testimonials,.faq-preview,.service-grid,.service-visual,.tip-grid,.deliverables ul,.form-grid,.footer-grid{grid-template-columns:1fr}
  .section-head{align-items:start;flex-direction:column}
  .band{padding:22px}
}

@media(max-width:480px){
  .btn{height:40px;padding:8px 12px;font-size:13px}
  .brand{font-size:.98rem;max-width:78vw;overflow:hidden;text-overflow:ellipsis}
  .hero-card{padding:20px}
}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}