:root {
      --navy-950: #00254e;
      --navy-900: #003976;
      --navy-800: #003976;
      --navy-700: #003976;
      --gold: #f58220;
      --gold-soft: #ffbc84;
      --teal: #1564ad;
      --teal-dark: #003976;
      --ivory: #edf3f8;
      --paper: #ffffff;
      --ink: #003976;
      --muted: #1564ad;
      --line: rgba(0,57,118, .13);
      --shadow: 0 28px 70px rgba(0,37,78, .16);
      --radius: 16px;
      --container: min(1200px, calc(100vw - 64px));
    }

    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      margin: 0;
      color: var(--ink);
      background: var(--paper);
      font-family: "Plus Jakarta Sans", sans-serif;
      -webkit-font-smoothing: antialiased;
    }
    a { color: inherit; text-decoration: none; }
    button { font: inherit; }
    img { display: block; max-width: 100%; }
    .container { width: var(--container); margin-inline: auto; }

    .topline {
      height: 38px;
      color: rgba(255,255,255,.72);
      background: #00254e;
      font-size: .76rem;
      letter-spacing: .04em;
    }
    .topline .container {
      height: 100%;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .topline-links { display: flex; gap: 24px; }
    .topline a:hover { color: var(--gold-soft); }

    .nav {
      height: 120px;
      background: rgba(0,37,78, .94);
      color: #ffffff;
      position: absolute;
      top: 38px;
      left: 0;
      right: 0;
      z-index: 20;
      border-bottom: 1px solid rgba(255,255,255,.12);
      backdrop-filter: blur(18px);
    }
    .nav .container { height: 100%; display: flex; align-items: center; }
    .brand { display: inline-flex; align-items: center; min-width: 190px; }
    .brand-logo { display:block; width:142px; height:auto; mix-blend-mode:screen; filter:drop-shadow(0 8px 18px rgba(0,0,0,.26)); }
    .header-brand { min-width:220px; }
    .logo-frame { display:inline-block; position:relative; line-height:0; }
    .logo-ring-glow { position:absolute; inset:0; width:100%; height:100%; overflow:visible; pointer-events:none; }
    .header-logo-full { display:block; width:180px; height:auto; mix-blend-mode:screen; filter:contrast(1.1) saturate(1.08) drop-shadow(0 10px 22px rgba(0,0,0,.3)); }
    .nav-links { margin-left: auto; display: flex; align-items: center; gap: 24px; font-size: .84rem; }
    .nav-links > a { position: relative; color: rgba(255,255,255,.78); }
    .nav-links > a::after { content: ""; position: absolute; height: 1px; width: 0; left: 0; bottom: -9px; background: var(--gold); transition: width .25s ease; }
    .nav-links > a:hover { color: #ffffff; }
    .nav-links > a:hover::after { width: 100%; }
    .nav-cta {
      margin-left: 30px;
      padding: 12px 19px;
      border: 1px solid rgba(245,130,32,.75);
      color: var(--gold-soft);
      font-size: .8rem;
      transition: .25s ease;
    }
    .nav-cta:hover { color: var(--navy-950); background: var(--gold-soft); }
    .menu-button { display: none; margin-left: auto; background: none; border: 0; color: #ffffff; padding: 8px; cursor: pointer; }

    .hero {
      min-height: 700px;
      height: 86vh;
      max-height: 820px;
      color: #ffffff;
      position: relative;
      overflow: hidden;
      background: var(--navy-950);
    }
    .hero::before {
      content: "";
      position: absolute;
      inset: -70px;
      background:
        linear-gradient(90deg, rgba(0,37,78,.99) 0%, rgba(0,37,78,.92) 30%, rgba(0,37,78,.4) 58%, rgba(0,37,78,.12) 100%),
        linear-gradient(0deg, rgba(0,37,78,.56) 0%, transparent 40%),
        url("insurance-consultation.png") center right / cover no-repeat;
      transform: scale(1.01);
      animation: heroReveal 1.2s cubic-bezier(.2,.7,.2,1) both;
    }
    .hero::after {
      content: "";
      position: absolute;
      inset: 0;
      opacity: .75;
      pointer-events: none;
      background: radial-gradient(circle at 72% 22%, rgba(21,100,173,.2), transparent 22%), radial-gradient(circle at 88% 72%, rgba(0,57,118,.18), transparent 26%), linear-gradient(90deg, rgba(0,57,118,.06), transparent 55%);
    }
    .hero .container { position: relative; z-index: 2; height: 100%; display: flex; align-items: center; padding-top: 166px; }
    .hero-content { width: min(690px, 58vw); padding-left: 0; position: relative; }
    .hero-content::before { display: none; }
    .eyebrow { display: inline-flex; align-items: center; gap: 9px; padding: 8px 12px; border-radius: 999px; background: rgba(0,57,118,.15); color: #b9d4ec; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; }
    .eyebrow::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #3c7cb8; }
    h1 { margin: 23px 0 22px; font-family: "Plus Jakarta Sans", sans-serif; font-size: clamp(3rem, 4.8vw, 5rem); line-height: 1.08; letter-spacing: -.05em; font-weight: 700; max-width: 720px; }
    h1 em { color: #b9d4ec; font-style: normal; font-weight: 700; }
    .hero-lead { max-width: 610px; margin: 0; color: rgba(255,255,255,.74); font-size: 1.08rem; line-height: 1.8; }
    .hero-note { display: flex; align-items: center; gap: 12px; margin-top: 26px; color: rgba(255,255,255,.48); font-size: .74rem; letter-spacing: .035em; }
    .hero-note svg { width: 18px; color: var(--gold-soft); }
    .hero-actions { display: flex; gap: 14px; margin-top: 38px; }
    .btn { min-height: 52px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 0 24px; border: 1px solid transparent; font-weight: 600; font-size: .86rem; cursor: pointer; transition: transform .25s ease, background .25s ease, border-color .25s ease; }
    .btn:hover { transform: translateY(-2px); }
    .btn-primary { background: linear-gradient(135deg,#f58220,#003976); color: #ffffff; border-radius: 10px; box-shadow: 0 12px 28px rgba(0,57,118,.25); }
    .btn-primary:hover { background: linear-gradient(135deg,#c05a08,#003976); box-shadow: 0 16px 34px rgba(0,57,118,.34); }
    .btn-ghost { border-radius: 10px; }
    .btn-ghost { border-color: rgba(255,255,255,.35); color: #ffffff; }
    .btn-ghost:hover { border-color: #ffffff; background: rgba(255,255,255,.07); }
    .arrow { width: 18px; transition: transform .25s ease; }
    .btn:hover .arrow { transform: translateX(4px); }

    .hero-aside {
      position: absolute;
      right: max(32px, calc((100vw - 1200px) / 2));
      bottom: 40px;
      width: min(690px, 53vw);
      border: 1px solid rgba(255,255,255,.2);
      border-radius: 18px;
      overflow: hidden;
      background: linear-gradient(145deg,rgba(0,37,78,.9),rgba(0,37,78,.84));
      box-shadow: 0 24px 70px rgba(0,0,0,.28), inset 0 1px 0 rgba(255,255,255,.08);
      backdrop-filter: blur(22px);
    }
    .hero-proof-row { display: grid; grid-template-columns: repeat(3,1fr); background: linear-gradient(90deg,rgba(0,57,118,.1),rgba(21,100,173,.08),rgba(245,130,32,.08)); }
    .hero-proof { display: grid; grid-template-columns: 38px 1fr; gap: 11px; align-items: center; padding: 15px 18px; border-right: 1px solid rgba(255,255,255,.11); }
    .hero-proof:last-child { border-right: 0; }
    .hero-proof > i { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 10px; color: #b9d4ec; background: rgba(0,57,118,.14); border: 1px solid rgba(135,185,238,.2); font-size: 1rem; }
    .hero-proof:nth-child(2) > i { color: #b9d4ec; background: rgba(21,100,173,.14); border-color: rgba(185,212,236,.2); }
    .hero-proof:nth-child(3) > i { color: #ffbc84; background: rgba(245,130,32,.12); border-color: rgba(255,188,132,.2); }
    .hero-proof strong { display: block; color: #ffffff; font-size: .84rem; line-height: 1.25; }
    .hero-proof small { display: block; margin-top: 3px; color: rgba(255,255,255,.48); font-size: .62rem; line-height: 1.35; letter-spacing: .02em; }
    .hero-stat-grid { display: grid; grid-template-columns: repeat(3,1fr); }
    .hero-stat { padding: 20px 22px 19px; border-right: 1px solid rgba(255,255,255,.14); transition: background .25s ease; }
    .hero-stat:hover { background: linear-gradient(145deg,rgba(0,57,118,.18),rgba(21,100,173,.14)); }
    .hero-stat:last-child { border-right: 0; }
    .hero-stat > i { display: block; margin-bottom: 10px; color: #b9d4ec; font-size: 1.25rem; }
    .hero-stat:nth-child(2) > i { color: #87b9ee; }
    .hero-stat:nth-child(3) > i { color: #ffbc84; }
    .hero-stat strong { display: block; font-family: "DM Sans", sans-serif; font-size: 1.15rem; color: #ffffff; }
    .hero-stat span { display: block; margin-top: 5px; color: rgba(255,255,255,.52); font-size: .72rem; letter-spacing: .04em; }
    .scroll-note { display: none; }
    .hero { min-height:860px; max-height:960px; }
    .hero-partners { max-width:470px; margin-top:24px; padding:15px 20px; border-radius:14px; background:#fff3e8; box-shadow:0 16px 38px #00000033; }
    .hero-partners p { margin:0 0 10px; color:#07487f; font-size:12px; font-weight:700; letter-spacing:.06em; }
    .hero-partners img { width:100%; height:auto; display:block; }
    .vienna { padding:90px 0; background:radial-gradient(ellipse at 90% 5%,#edf3f8 0,transparent 45%),#ffffff; }
    .vienna-intro { display:grid; grid-template-columns:1fr 1fr; gap:55px; align-items:center; margin-bottom:40px; }
    .vienna-kicker { display:inline-flex; align-items:center; gap:10px; color:#1564ad; font-size:14px; font-weight:800; }
    .vienna-kicker i { font-size:25px; }
    .vienna h2 { font-size:clamp(32px,3.6vw,52px); line-height:1.15; }
    .vienna h2 em { font-style:normal; color:#1564ad; }
    .vienna-intro p { color:#1564ad; line-height:1.8; margin:22px 0; }
    .vienna-visual { position:relative; border-radius:26px; overflow:hidden; min-height:410px; box-shadow:0 25px 65px #00397622; }
    .vienna-visual img { display:block; width:100%; height:410px; object-fit:cover; }
    .vienna-caption { position:absolute; bottom:0; inset-inline:0; padding:70px 26px 25px; color:white; background:linear-gradient(transparent,#00254ed9); font-size:23px; font-weight:700; }
    .vienna-pillars { display:flex; flex-wrap:wrap; gap:9px; margin:22px 0; }
    .vienna-pillars span { display:inline-flex; gap:8px; align-items:center; padding:9px 12px; background:#edf3f8; border-radius:9px; color:#07487f; font-size:14px; }
    .vienna-products { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
    .vienna-product { border:1px solid #edf3f8; border-radius:22px; background:white; overflow:hidden; box-shadow:0 12px 35px #0039760a; }
    .vienna-product-top { display:flex; align-items:center; gap:20px; padding:27px 28px; color:#ffffff; background:linear-gradient(125deg,#07487f,#1564ad); }
    .vienna-product:nth-child(2) .vienna-product-top { background:linear-gradient(125deg,#003976,#07487f); }
    .vienna-product:nth-child(3) .vienna-product-top { background:linear-gradient(125deg,#003976,#1564ad); }
    .vienna-product:nth-child(4) .vienna-product-top { background:linear-gradient(125deg,#a94e04,#f58220); }
    .vienna-product-top > i { flex:0 0 65px; width:65px; height:65px; border:1px solid #ffffff55; background:#ffffff16; border-radius:18px; display:grid; place-items:center; font-size:30px; }
    .vienna-product-top small { font-size:12px; letter-spacing:.07em; text-transform:uppercase; color:#ffffffc9; }
    .vienna-product h3 { font-size:22px; line-height:1.3; margin:7px 0 0; }
    .vienna-product-body { padding:25px 28px 28px; }
    .vienna-product-body > p { margin:0 0 20px; line-height:1.7; color:#1564ad; }
    .vienna-product ul { list-style:none; padding:0; display:grid; gap:12px; }
    .vienna-product li { display:flex; align-items:flex-start; gap:10px; font-size:15px; line-height:1.5; color:#07487f; }
    .vienna-product li i { color:#1564ad; }
    .vienna-product details { border-top:1px solid #edf3f8; padding-top:16px; margin-top:20px; }
    .vienna-product summary { cursor:pointer; font-weight:700; color:#003976; font-size:14px; }
    .vienna-product details p { font-size:14px; color:#1564ad; line-height:1.7; }
    .vienna-source { font-size:13px; color:#07487f; text-decoration:underline; }
    .vienna-cta { display:flex; justify-content:space-between; align-items:center; gap:15px; margin-top:24px; }
    .vienna-cta a { display:inline-flex; gap:12px; align-items:center; padding:13px 18px; border-radius:9px; background:#003976; color:white; font-size:14px; font-weight:700; }
    .vienna-note { margin:25px 0 0; padding:20px 24px; border-left:3px solid #1564ad; background:#edf3f8; border-radius:0 12px 12px 0; color:#1564ad; font-size:13px; line-height:1.7; }
    @media(max-width:980px) { .hero { min-height:950px; max-height:none; height:auto; } .hero .container { min-height:950px; padding-top:140px; padding-bottom:160px; } .vienna-intro { gap:30px; } }
    @media(max-width:640px) { .hero { min-height:1000px !important; height:auto !important; } .hero .container { min-height:1000px; padding-top:130px; padding-bottom:155px !important; } .hero-content { padding-left:0 !important; } .hero-partners { padding:13px 12px; } .vienna { padding:65px 0; } .vienna-intro,.vienna-products { grid-template-columns:1fr; } .vienna-visual,.vienna-visual img { min-height:300px; height:300px; } .vienna-product-top,.vienna-product-body { padding:23px; } }

    .solutions { background: radial-gradient(circle at 8% 8%, rgba(21,100,173,.12), transparent 24%), radial-gradient(circle at 92% 45%, rgba(60,124,184,.1), transparent 28%), var(--ivory); padding: 92px 0 124px; }
    .section-head { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: end; margin-bottom: 52px; }
    .kicker { color: var(--teal-dark); font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
    h2 { margin: 14px 0 0; color: var(--navy-900); font-family: "Plus Jakarta Sans", sans-serif; font-size: clamp(2.35rem, 4vw, 4.2rem); line-height: 1.1; letter-spacing: -.045em; font-weight: 600; }
    .section-head p { margin: 0; color: var(--muted); line-height: 1.8; font-size: 1rem; max-width: 530px; }
    .branch-heading { display: flex; align-items: center; gap: 14px; margin-bottom: 24px; color: var(--navy-900); font-size: .82rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
    .branch-heading::before { content: ""; width: 42px; height: 2px; background: var(--teal); }
    .cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; border: 0; }
    .card { min-height: 400px; background: #ffffff; border: 1px solid rgba(0,57,118,.1); border-radius: 18px; padding: 0; position: relative; overflow: hidden; transition: background .35s ease, transform .35s ease, box-shadow .35s ease; box-shadow: 0 10px 28px rgba(0,37,78,.055); }
    .card::after { content: ""; position: absolute; inset: auto 0 0; height: 4px; transform: scaleX(0); transform-origin: left; background: var(--teal); transition: transform .35s ease; }
    .card:hover { background: #ffffff; transform: translateY(-8px); box-shadow: 0 26px 55px rgba(0,37,78,.15); z-index: 2; }
    .card:hover::after { transform: scaleX(1); }
    .card-media { height: 170px; background: linear-gradient(135deg,#dce8f3,#edf3f8); background-size: cover; background-position: center; position: relative; transition: transform .45s ease, filter .45s ease; }
    .card:hover .card-media { transform: scale(1.035); filter: saturate(1.18) contrast(1.03); }
    .card-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(0,37,78,.3), transparent 70%); }
    .card-media.house { background-image: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.health { background-image: url("https://images.unsplash.com/photo-1576091160399-112ba8d25d1d?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.business { background-image: url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.cyber { background-image: url("https://images.unsplash.com/photo-1563986768609-322da13575f3?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.vehicle { background-image: url("https://images.unsplash.com/photo-1493238792000-8113da705763?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.liability { background-image: url("https://images.unsplash.com/photo-1521791055366-0d553872125f?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.travel { background-image: url("https://images.unsplash.com/photo-1469854523086-cc02fe5d8800?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.transport { background-image: url("https://images.unsplash.com/photo-1586528116311-ad8dd3c8310d?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.marine { background-image: url("https://images.unsplash.com/photo-1494412651409-8963ce7935a7?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.construction { background-image: url("https://images.unsplash.com/photo-1504307651254-35680f356dfd?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.agriculture { background-image: url("https://images.unsplash.com/photo-1500382017468-9049fed747ef?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.accident { background-image: url("https://images.unsplash.com/photo-1571019613454-1cb2f99b2d8b?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.life { background-image: url("insurance-consultation.png"); background-position: 72% center; }
    .card-media.aviation { background-image: url("https://images.unsplash.com/photo-1436491865332-7a61a109cc05?auto=format&fit=crop&w=1000&q=82"); }
    .card-media.credit { background-image: url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1000&q=82"); }
    .card-media > i { position: absolute; left: 24px; bottom: 20px; z-index: 2; display: grid; place-items: center; width: 48px; height: 48px; border-radius: 13px; color: #ffffff; background: rgba(0,37,78,.72); backdrop-filter: blur(8px); font-size: 1.4rem; }
    .card:nth-child(3n+1) .card-media > i { background: linear-gradient(135deg,rgba(7,72,127,.94),rgba(0,57,118,.94)); }
    .card:nth-child(3n+2) .card-media > i { background: linear-gradient(135deg,rgba(21,100,173,.94),rgba(7,72,127,.94)); }
    .card:nth-child(3n) .card-media > i { background: linear-gradient(135deg,rgba(245,130,32,.95),rgba(169,78,4,.94)); }
    .card-body { padding: 26px 28px 30px; }
    .card-icon { display: none; }
    .card h3 { margin: 0 0 12px; font-size: 1.2rem; line-height: 1.3; font-weight: 700; color: var(--navy-900); letter-spacing: -.025em; }
    .card p { margin: 0; color: #1564ad; font-size: .9rem; line-height: 1.75; }
    .card-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 22px; }
    .card-tags span { padding: 6px 9px; border-radius: 6px; color: var(--navy-700); background: #edf3f8; border: 1px solid rgba(0,57,118,.06); font-size: .66rem; letter-spacing: .02em; }
    .card:nth-child(3n+1) .card-tags span { background:#edf3f8; color:#07487f; }
    .card:nth-child(3n+2) .card-tags span { background:#edf3f8; color:#1564ad; }
    .card:nth-child(3n) .card-tags span { background:#fff3e8; color:#a94e04; }
    .card:nth-child(3n+1) { border-top: 3px solid #1564ad; }
    .card:nth-child(3n+2) { border-top: 3px solid #3c7cb8; }
    .card:nth-child(3n) { border-top: 3px solid #f58220; }
    .card-link { position: absolute; right: 20px; top: 20px; z-index: 3; width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; color: #ffffff; background: rgba(0,37,78,.55); opacity: .9; transition: .25s ease; }
    .card:hover .card-link { opacity: 1; transform: translate(3px,-3px); }

    .signature { padding: 100px 0; background: radial-gradient(circle at 88% 15%, rgba(21,100,173,.11), transparent 28%), linear-gradient(180deg,#ffffff,#edf3f8); position: relative; overflow: hidden; }
    .signature::before { display: none; }
    .signature-grid { position: relative; display: grid; grid-template-columns: .78fr 1.22fr; min-height: 520px; border: 1px solid var(--line); border-radius: 22px; overflow: hidden; background: #ffffff; box-shadow: 0 20px 55px rgba(0,37,78,.08); }
    .signature-intro { padding: 58px 50px; background: linear-gradient(rgba(0,37,78,.88),rgba(0,37,78,.94)), url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1200&q=84") center/cover; color: #ffffff; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
    .signature-intro::after { display: none; }
    .signature-intro h2 { color: #ffffff; font-size: clamp(2.35rem, 3.4vw, 3.35rem); position: relative; z-index: 1; }
    .signature-intro .kicker, .claims-copy .kicker, .promise .kicker { color: #b9d4ec; }
    .signature-intro p { color: rgba(255,255,255,.58); line-height: 1.8; position: relative; z-index: 1; }
    .signature-seal { width: auto; height: auto; margin-top: 28px; padding: 12px 15px; border: 1px solid rgba(135,185,238,.32); border-radius: 10px; display: inline-flex; place-items: center; text-align: left; color: #b9d4ec; font-family: "Plus Jakarta Sans", sans-serif; font-size: .76rem; font-weight: 600; line-height: 1.5; position: relative; z-index: 1; }
    .expertise-list { padding: 32px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
    .expertise-item { display: grid; grid-template-columns: 46px 1fr; gap: 16px; align-items: start; padding: 24px; border: 1px solid var(--line); border-radius: 14px; background: #f6f9fc; position: relative; transition: .25s ease; }
    .expertise-item:hover { transform: translateY(-3px); background: #ffffff; box-shadow: 0 12px 28px rgba(0,37,78,.07); }
    .expertise-item:nth-child(2) > i { color:#3c7cb8; background:#edf3f8; }
    .expertise-item:nth-child(3) > i { color:#c05a08; background:#fff3e8; }
    .expertise-item:nth-child(4) > i { color:#3c7cb8; background:#edf3f8; }
    .expertise-item > span { color: #c05a08; font-size: .72rem; font-weight: 700; }
    .expertise-item > i { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 11px; background: #edf3f8; color: var(--teal-dark); font-size: 1.15rem; }
    .expertise-item h3 { margin: 0 0 7px; color: var(--navy-900); font-family: "Plus Jakarta Sans", sans-serif; font-size: 1.28rem; font-weight: 700; letter-spacing: -.025em; }
    .expertise-item p { margin: 0; color: var(--muted); line-height: 1.65; font-size: .84rem; }
    .expertise-item a { position: absolute; right: 14px; top: 14px; width: 30px; height: 30px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 8px; color: var(--navy-700); background:#ffffff; transition: .25s ease; }
    .expertise-item:hover a { color: #ffffff; background: var(--navy-900); border-color: var(--navy-900); transform: translateX(4px); }

    .process { padding: 100px 0 110px; background: radial-gradient(circle at 10% 90%, rgba(0,57,118,.12), transparent 28%), radial-gradient(circle at 85% 12%, rgba(60,124,184,.1), transparent 24%), var(--ivory); }
    .process-top { display: grid; grid-template-columns: .9fr 1.1fr; gap: 90px; align-items: end; margin-bottom: 65px; }
    .process-top p { margin: 0; max-width: 580px; color: var(--muted); line-height: 1.85; }
    .process-summary { display: grid; gap: 22px; }
    .process-mini { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }
    .process-mini span { display: grid; gap: 8px; padding: 15px 12px; border: 1px solid var(--line); border-radius: 12px; background:#ffffff; color:var(--navy-800); font-size:.72rem; font-weight:600; text-align:center; }
    .process-mini i { color:var(--teal); font-size:1.2rem; }
    .process-visual { min-height: 285px; margin: -18px 0 20px; border-radius: 20px; overflow: hidden; position: relative; background: linear-gradient(90deg,rgba(0,57,118,.92),rgba(0,57,118,.16)), url("https://images.unsplash.com/photo-1522202176988-66273c2fd55f?auto=format&fit=crop&w=1800&q=84") center 44%/cover; box-shadow: 0 22px 48px rgba(0,37,78,.13); }
    .process-visual::after { content:""; position:absolute; inset:0; background:radial-gradient(circle at 78% 35%,rgba(0,57,118,.24),transparent 30%); }
    .process-visual-copy { position:absolute; z-index:2; left:36px; bottom:34px; max-width:440px; color:#ffffff; }
    .process-visual-copy > span { display:inline-flex; align-items:center; gap:9px; padding:8px 11px; border-radius:999px; background:rgba(0,57,118,.92); font-size:.7rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; }
    .process-visual-copy strong { display:block; margin-top:15px; font-size:clamp(1.35rem,2.2vw,2rem); line-height:1.3; letter-spacing:-.025em; }
    .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
    .step { min-height: 270px; padding: 30px 26px; border: 1px solid var(--line); border-radius: 16px; background: #ffffff; position: relative; box-shadow: 0 8px 24px rgba(0,37,78,.04); }
    .step:last-child { border-right: 1px solid var(--line); }
    .step-number { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 13px; color: #ffffff; background: linear-gradient(135deg,#1564ad,#1564ad); box-shadow:0 8px 18px rgba(0,57,118,.24); font-family: "DM Sans", sans-serif; font-size: 1.2rem; font-weight: 600; }
    .step-number i { font-size: 1.2rem; }
    .step h3 { margin: 42px 0 12px; color: var(--navy-900); font-size: 1.02rem; }
    .step p { margin: 0; color: var(--muted); font-size: .82rem; line-height: 1.7; }
    .step::after { display: none; }

    .claims { color: #ffffff; background: #ffffff; padding: 100px 0; }
    .claims-grid { width: var(--container); margin-inline: auto; display: grid; grid-template-columns: 1.05fr .95fr; min-height: 480px; border-radius: 22px; overflow: hidden; box-shadow: 0 22px 60px rgba(0,37,78,.12); }
    .claims-copy { padding: 70px 58px; background: var(--navy-900); position: relative; overflow: hidden; }
    .claims-copy::before { display: none; }
    .claims-copy > * { position: relative; z-index: 1; }
    .claims-copy h2 { color: #ffffff; max-width: 650px; }
    .claims-copy p { max-width: 610px; color: rgba(255,255,255,.58); line-height: 1.85; }
    .claims-points { display: flex; gap: 18px; margin-top: 35px; padding-top: 27px; border-top: 1px solid rgba(255,255,255,.13); }
    .claims-points div { flex:1; padding:16px; border:1px solid rgba(255,255,255,.12); border-radius:12px; background:rgba(255,255,255,.045); transition:transform .25s ease,background .25s ease; }
    .claims-points div:hover { transform:translateY(-3px); background:rgba(255,255,255,.08); }
    .claims-points i { display:grid; place-items:center; width:38px; height:38px; margin-bottom:14px; border-radius:10px; color:#ffffff; background:linear-gradient(135deg,#1564ad,#1564ad); font-size:1.05rem; }
    .claims-points div:nth-child(2) i { background:linear-gradient(135deg,#1564ad,#3c7cb8); }
    .claims-points div:nth-child(3) i { background:linear-gradient(135deg,#f58220,#c05a08); }
    .claims-points strong { display: block; color: var(--gold-soft); font-size: .88rem; margin-bottom: 5px; }
    .claims-points span { color: rgba(255,255,255,.43); font-size: .72rem; }
    .claims-card { padding: 70px 58px; background: linear-gradient(rgba(0,37,78,.74),rgba(0,37,78,.88)), url("insurance-consultation.png") 72% center/cover; color: #ffffff; display: flex; flex-direction: column; justify-content: center; }
    .claims-card small { font-size: .7rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; }
    .claims-card h3 { margin: 22px 0 18px; font-family: "Plus Jakarta Sans", sans-serif; font-size: clamp(1.55rem, 2.2vw, 2.15rem); font-weight: 700; line-height: 1.35; letter-spacing: -.035em; }
    .claims-card p { margin: 0 0 28px; color:rgba(255,255,255,.72); font-size: .88rem; line-height: 1.75; }
    .claims-card a { width: fit-content; padding-bottom: 6px; border-bottom: 1px solid rgba(255,255,255,.55); font-size: .82rem; font-weight: 700; }

    .coverage-bar { background:linear-gradient(180deg,#edf3f8,#edf3f8); position:relative; z-index:4; overflow:visible; }
    .coverage-bar .container { display:grid; grid-template-columns:1.12fr repeat(5,1fr); align-items:stretch; border:1px solid rgba(245,130,32,.38); border-radius:20px; overflow:hidden; background:rgba(255,255,255,.96); box-shadow:0 30px 72px rgba(0,37,78,.19),0 0 0 7px rgba(255,255,255,.2); transform:translateY(-30px); margin-bottom:-30px; }
    .coverage-title, .coverage-item { padding:25px 20px; border-right:1px solid rgba(0,57,118,.1); }
    .coverage-title { color:#ffffff; background:radial-gradient(circle at 82% 18%,rgba(21,100,173,.3),transparent 32%),linear-gradient(145deg,#003976,#003976); display:flex; align-items:center; gap:14px; position:relative; overflow:hidden; }
    .coverage-title::before { content:""; position:absolute; inset:-35px; background-image:radial-gradient(circle,rgba(255,255,255,.2) 1.4px,transparent 1.8px); background-size:18px 18px; opacity:.7; -webkit-mask-image:linear-gradient(90deg,#000000,transparent 82%); mask-image:linear-gradient(90deg,#000000,transparent 82%); animation:patternDrift 13s linear infinite alternate; }
    .coverage-title::after { content:""; position:absolute; width:110px; height:110px; right:-35px; top:-55px; border-radius:50%; background:#1564ad; filter:blur(28px); opacity:.36; animation:softPulse 6s ease-in-out infinite alternate; }
    .coverage-title > i { position:relative; z-index:2; flex:0 0 auto; display:grid; place-items:center; width:48px; height:48px; border:1px solid rgba(255,224,196,.48); border-radius:14px; background:linear-gradient(145deg,rgba(255,255,255,.15),rgba(245,130,32,.08)); color:#ffbc84; font-size:1.3rem; box-shadow:0 10px 26px rgba(0,0,0,.18); backdrop-filter:blur(8px); }
    .coverage-title > span { position:relative; z-index:2; }
    .coverage-title small { display:block; margin-bottom:5px; color:#ffbc84; font-size:.64rem; font-weight:750; letter-spacing:.14em; text-transform:uppercase; }
    .coverage-title strong { display:block; font-size:.88rem; font-weight:750; line-height:1.42; letter-spacing:.015em; }
    .coverage-item { position:relative; background:linear-gradient(180deg,#ffffff,#f6f9fc); transition:background .3s ease,transform .3s ease; }
    .coverage-item::before { content:""; position:absolute; left:18px; right:18px; top:0; height:3px; border-radius:0 0 8px 8px; background:linear-gradient(90deg,#1564ad,#3c7cb8); opacity:.72; }
    .coverage-item:nth-child(3)::before { background:linear-gradient(90deg,#1564ad,#87b9ee); }
    .coverage-item:nth-child(4)::before { background:linear-gradient(90deg,#c05a08,#ffbc84); }
    .coverage-item:nth-child(5)::before { background:linear-gradient(90deg,#3c7cb8,#87b9ee); }
    .coverage-item:nth-child(6)::before { background:linear-gradient(90deg,#3c7cb8,#b9d4ec); }
    .coverage-item:hover { z-index:2; background:linear-gradient(145deg,#ffffff,#edf3f8); transform:translateY(-4px); box-shadow:0 16px 32px rgba(0,37,78,.1); }
    .coverage-item i { display:inline-grid; place-items:center; width:40px; height:40px; margin-bottom:12px; border:1px solid rgba(0,57,118,.14); border-radius:12px; color:var(--teal-dark); background:linear-gradient(145deg,#edf3f8,#edf3f8); font-size:1.08rem; box-shadow:0 8px 18px rgba(0,57,118,.09); transition:transform .3s ease; }
    .coverage-item:hover i { transform:scale(1.08) rotate(-3deg); }
    .coverage-item:nth-child(3) i { color: #1564ad; background: #edf3f8; }
    .coverage-item:nth-child(4) i { color: #c05a08; background: #fff3e8; }
    .coverage-item:nth-child(5) i { color: #3c7cb8; background: #edf3f8; }
    .coverage-item:nth-child(6) i { color: #3c7cb8; background: #edf3f8; }
    .coverage-item strong { display:block; color:var(--navy-900); font-size:.88rem; font-weight:750; }
    .coverage-item span { display:block; color:var(--muted); font-size:.72rem; margin-top:7px; line-height:1.5; }
    .coverage-item:last-child { border-right: 0; }

    .promise { background: radial-gradient(circle at 82% 15%, rgba(0,57,118,.24), transparent 27%), linear-gradient(135deg,#003976,#003976); color: #ffffff; padding: 100px 0; overflow: hidden; position: relative; }
    .promise::after { display: none; }
    .promise-grid { position: relative; z-index: 1; display: grid; grid-template-columns: .92fr 1.08fr; gap: 100px; align-items: center; }
    .promise h2 { color: #ffffff; }
    .promise-copy > p { color: rgba(255,255,255,.6); line-height: 1.85; max-width: 520px; }
    .promise-visual { min-height:210px; margin-top:30px; border:1px solid rgba(255,255,255,.16); border-radius:18px; overflow:hidden; position:relative; background:linear-gradient(0deg,rgba(0,57,118,.9),rgba(0,57,118,.1)),url("https://images.unsplash.com/photo-1521791055366-0d553872125f?auto=format&fit=crop&w=1100&q=84") center/cover; box-shadow:0 18px 40px rgba(0,0,0,.2); }
    .promise-visual span { position:absolute; left:22px; bottom:20px; display:inline-flex; align-items:center; gap:9px; padding:9px 12px; border-radius:9px; background:rgba(255,255,255,.92); color:var(--navy-900); font-size:.74rem; font-weight:700; }
    .promise-visual i { color:var(--teal-dark); font-size:1rem; }
    .principles { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
    .principle { display: grid; grid-template-columns: 42px 1fr; gap: 14px; padding: 22px; border: 1px solid rgba(255,255,255,.13); border-radius:14px; background:rgba(255,255,255,.045); }
    .principle span { display:grid; place-items:center; width:42px; height:42px; border-radius:11px; color: #b9d4ec; background:rgba(0,57,118,.18); font-size: 1.05rem; font-weight: 600; }
    .principle h3 { margin: 0 0 7px; font-size: 1.05rem; }
    .principle p { margin: 0; color: rgba(255,255,255,.5); font-size: .87rem; line-height: 1.65; }

    .quote { padding:110px 0; color:#ffffff; background:radial-gradient(circle at 12% 18%,rgba(0,57,118,.27),transparent 28%),radial-gradient(circle at 88% 78%,rgba(60,124,184,.22),transparent 30%),linear-gradient(145deg,#00254e,#003976 58%,#003976); position:relative; overflow:hidden; isolation:isolate; }
    .quote::before { content:""; position:absolute; inset:-80px; z-index:0; pointer-events:none; background-image:linear-gradient(30deg,rgba(135,185,238,.1) 1px,transparent 1px),linear-gradient(150deg,rgba(135,185,238,.08) 1px,transparent 1px); background-size:42px 72px; opacity:.65; animation:patternDrift 25s ease-in-out infinite alternate; -webkit-mask-image:linear-gradient(90deg,#000000,transparent 72%); mask-image:linear-gradient(90deg,#000000,transparent 72%); }
    .quote .container { position:relative; z-index:1; }
    .quote-head { display:grid; grid-template-columns:.9fr 1.1fr; gap:90px; align-items:end; margin-bottom:50px; }
    .quote h2 { color:#ffffff; }
    .quote-head p { margin:0; color:rgba(255,255,255,.66); font-size:1rem; line-height:1.8; }
    .quote-shell { display:grid; grid-template-columns:.9fr 1.1fr; gap:18px; align-items:start; }
    .quote-selector { padding:28px; border:1px solid rgba(255,255,255,.14); border-radius:22px; background:rgba(255,255,255,.065); backdrop-filter:blur(18px); box-shadow:0 28px 65px rgba(0,0,0,.2); }
    .quote-selector-title { display:flex; align-items:center; justify-content:space-between; gap:18px; margin-bottom:22px; }
    .quote-selector-title strong { font-size:1rem; }
    .quote-selector-title span { color:#87b9ee; font-size:.72rem; font-weight:700; letter-spacing:.08em; }
    .quote-services { display:grid; grid-template-columns:1fr 1fr; gap:9px; }
    .quote-service { min-height:62px; display:grid; grid-template-columns:38px 1fr; gap:11px; align-items:center; padding:10px 12px; border:1px solid rgba(255,255,255,.1); border-radius:12px; color:rgba(255,255,255,.72); background:rgba(255,255,255,.04); text-align:left; cursor:pointer; transition:transform .25s ease,background .25s ease,border-color .25s ease,color .25s ease; }
    .quote-service:hover { transform:translateY(-2px); color:#ffffff; background:rgba(255,255,255,.085); }
    .quote-service i { display:grid; place-items:center; width:38px; height:38px; border-radius:10px; color:#87b9ee; background:rgba(0,57,118,.16); font-size:1rem; }
    .quote-service span { font-size:.76rem; font-weight:650; line-height:1.35; }
    .quote-service.active { color:#ffffff; border-color:rgba(135,185,238,.62); background:linear-gradient(135deg,rgba(0,57,118,.32),rgba(21,100,173,.24)); box-shadow:0 10px 24px rgba(0,0,0,.14); }
    .quote-service.active i { color:#ffffff; background:linear-gradient(135deg,#1564ad,#1564ad); box-shadow:0 7px 16px rgba(0,57,118,.25); }
    .quote-form-panel { padding:36px; border-radius:22px; background:rgba(255,255,255,.98); color:var(--ink); box-shadow:0 32px 80px rgba(0,0,0,.27); }
    .quote-form-top { display:flex; align-items:flex-start; justify-content:space-between; gap:22px; margin-bottom:28px; padding-bottom:24px; border-bottom:1px solid var(--line); }
    .quote-form-top small { display:block; margin-bottom:7px; color:var(--teal-dark); font-size:.7rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; }
    .quote-form-top h3 { margin:0; color:var(--navy-900); font-size:1.55rem; letter-spacing:-.035em; }
    .quote-step { flex:0 0 auto; padding:8px 11px; border-radius:9px; color:#1564ad; background:#edf3f8; font-size:.7rem; font-weight:700; }
    .form-grid, .dynamic-fields { display:grid; grid-template-columns:1fr 1fr; gap:17px; }
    .dynamic-fields { margin-bottom:17px; }
    .field { display:grid; gap:8px; }
    .field.full { grid-column:1 / -1; }
    .field label { color:var(--navy-800); font-size:.875rem; font-weight:650; }
    .field input, .field select, .field textarea { width:100%; min-height:50px; padding:0 14px; border:1px solid rgba(0,57,118,.18); border-radius:10px; outline:0; color:var(--navy-900); background:#f6f9fc; font:500 .875rem "Plus Jakarta Sans",sans-serif; transition:border-color .2s ease,box-shadow .2s ease,background .2s ease; }
    .field textarea { min-height:105px; padding-top:13px; resize:vertical; }
    .field input:focus, .field select:focus, .field textarea:focus { border-color:#1564ad; background:#ffffff; box-shadow:0 0 0 4px rgba(0,57,118,.1); }
    .form-divider { grid-column:1 / -1; display:flex; align-items:center; gap:12px; margin:7px 0 0; color:var(--teal-dark); font-size:.72rem; font-weight:750; letter-spacing:.1em; text-transform:uppercase; }
    .form-divider::after { content:""; flex:1; height:1px; background:var(--line); }
    .consent { grid-column:1 / -1; display:grid; grid-template-columns:18px 1fr; gap:10px; align-items:start; color:var(--muted); font-size:.75rem; line-height:1.6; }
    .consent input { width:17px; height:17px; margin:2px 0 0; accent-color:var(--teal); }
    .quote-submit { grid-column:1 / -1; min-height:56px; border:0; border-radius:11px; color:#ffffff; background:linear-gradient(135deg,#1564ad,#1564ad); font-weight:750; cursor:pointer; box-shadow:0 14px 30px rgba(0,57,118,.24); transition:transform .25s ease,box-shadow .25s ease; }
    .quote-submit:hover { transform:translateY(-2px); box-shadow:0 18px 38px rgba(0,57,118,.32); }
    .quote-status { grid-column:1 / -1; min-height:20px; margin:0; color:var(--teal-dark); font-size:.78rem; font-weight:650; }

    .contact { padding: 108px 0; background: #ffffff; }
    .contact-panel { display: grid; grid-template-columns: 1.25fr .75fr; background: var(--ivory); border: 1px solid var(--line); border-radius: 22px; overflow: hidden; box-shadow: 0 18px 50px rgba(0,37,78,.09); }
    .contact-main { padding: 68px; }
    .contact-main h2 { font-size: clamp(2.6rem, 4.6vw, 4.5rem); max-width: 690px; }
    .contact-main p { max-width: 620px; color: var(--muted); line-height: 1.8; }
    .contact-benefits { display: flex; flex-wrap: wrap; gap: 12px 24px; margin-top: 24px; color: var(--navy-700); font-size: .75rem; }
    .contact-benefits span { display: inline-flex; align-items: center; gap: 8px; }
    .contact-benefits span::before { content: "✓"; color: #c05a08; font-weight: 700; }
    .contact-main .btn { margin-top: 18px; background: var(--navy-900); color: #ffffff; }
    .contact-side { padding: 46px; background: linear-gradient(145deg,#07487f,#1564ad); color: #ffffff; display: flex; flex-direction: column; justify-content: space-between; }
    .contact-side small { font-size: .7rem; text-transform: uppercase; letter-spacing: .2em; font-weight: 700; }
    .contact-side strong { display: block; margin-top: 14px; font-family: "Plus Jakarta Sans", sans-serif; font-size: 1.72rem; line-height: 1.35; letter-spacing: -.035em; font-weight: 700; }
    .contact-side p { font-size: .86rem; line-height: 1.7; opacity: .72; }
    .contact-side a { font-weight: 700; border-bottom: 1px solid rgba(255,255,255,.55); padding-bottom: 5px; width: fit-content; }

    /* Subtle protection-network patterns keep broad backgrounds from feeling empty. */
    .solutions, .signature, .process, .claims, .promise, .contact { position: relative; isolation: isolate; }
    .solutions > .container, .signature > .container, .process > .container, .claims > .claims-grid, .promise > .container, .contact > .container { position: relative; z-index: 2; }
    .solutions::before, .claims::before, .contact::before {
      content: "";
      position: absolute;
      inset: 0;
      z-index: 0;
      pointer-events: none;
      background-image: radial-gradient(circle, rgba(0,57,118,.28) 1.45px, transparent 1.9px), repeating-linear-gradient(118deg,transparent 0 42px,rgba(21,100,173,.065) 42px 44px,transparent 44px 84px);
      background-size: 27px 27px, auto;
      opacity: .64;
      filter:blur(.25px);
      animation:patternDrift 19s linear infinite alternate;
      -webkit-mask-image: linear-gradient(105deg,#000000 0%,rgba(0,0,0,.72) 24%,transparent 60%);
      mask-image: linear-gradient(105deg,#000000 0%,rgba(0,0,0,.72) 24%,transparent 60%);
    }
    .claims::before { opacity:.45; animation-direction:alternate-reverse; }
    .contact::before { opacity:.4; animation-duration:24s; }
    .process::before {
      content:"";
      position:absolute;
      inset:-75px;
      z-index:0;
      pointer-events:none;
      background-image:linear-gradient(30deg,rgba(21,100,173,.14) 1.5px,transparent 1.5px),linear-gradient(150deg,rgba(0,57,118,.13) 1.5px,transparent 1.5px),radial-gradient(circle,rgba(0,57,118,.2) 1.5px,transparent 2px);
      background-size:38px 66px,38px 66px,38px 38px;
      opacity:.78;
      filter:blur(.35px);
      animation:patternDrift 23s ease-in-out infinite alternate-reverse;
      -webkit-mask-image:linear-gradient(90deg,transparent 8%,#000000 48%,transparent 92%);
      mask-image:linear-gradient(90deg,transparent 8%,#000000 48%,transparent 92%);
    }
    .signature::before {
      content:"";
      display:block;
      position:absolute;
      inset:-70px;
      z-index:0;
      pointer-events:none;
      background-image:repeating-linear-gradient(135deg,rgba(0,57,118,.105) 0 2px,transparent 2px 28px),radial-gradient(circle,rgba(21,100,173,.17) 1.3px,transparent 1.8px);
      background-size:auto,32px 32px;
      filter:blur(.3px);
      animation:patternDrift 26s ease-in-out infinite alternate;
      -webkit-mask-image:linear-gradient(90deg,transparent 38%,#000000 100%);
      mask-image:linear-gradient(90deg,transparent 38%,#000000 100%);
    }
    .promise::before {
      content:"";
      position:absolute;
      inset:-75px;
      z-index:0;
      pointer-events:none;
      background-image:linear-gradient(30deg,rgba(135,185,238,.15) 1.5px,transparent 1.5px),linear-gradient(150deg,rgba(135,185,238,.12) 1.5px,transparent 1.5px),radial-gradient(circle,rgba(255,188,132,.17) 1.3px,transparent 1.8px);
      background-size:42px 72px;
      opacity:.82;
      filter:blur(.35px);
      animation:patternDrift 24s ease-in-out infinite alternate-reverse;
      -webkit-mask-image:radial-gradient(circle at 78% 48%,#000000 0%,transparent 58%);
      mask-image:radial-gradient(circle at 78% 48%,#000000 0%,transparent 58%);
    }

    /* High-impact premium layer */
    .hero { min-height:740px; box-shadow:inset 0 -1px rgba(255,255,255,.08); }
    .hero-content { filter:drop-shadow(0 18px 38px rgba(0,0,0,.16)); }
    .hero h1 { text-shadow:0 12px 34px rgba(0,0,0,.24); }
    .hero h1 em { background:linear-gradient(90deg,#87b9ee,#b9d4ec); -webkit-background-clip:text; background-clip:text; color:transparent; }
    .hero-note { flex-wrap:wrap; gap:8px; margin-top:28px; color:#ffffff; }
    .hero-note svg { display:none; }
    .trust-chip { display:inline-flex; align-items:center; gap:8px; padding:9px 12px; border:1px solid rgba(255,255,255,.16); border-radius:9px; background:rgba(0,37,78,.48); color:rgba(255,255,255,.76); backdrop-filter:blur(12px); font-size:.7rem; font-weight:600; }
    .trust-chip i { color:#b9d4ec; font-size:.9rem; }
    .trust-chip:nth-child(2) i { color:#b9d4ec; }
    .trust-chip:nth-child(3) i { color:#ffbc84; }
    .hero-orbit-card { position:absolute; z-index:3; right:max(42px,calc((100vw - 1200px)/2)); top:178px; width:270px; display:grid; grid-template-columns:66px 1fr; gap:15px; align-items:center; padding:18px; border:1px solid rgba(255,255,255,.2); border-radius:17px; background:linear-gradient(145deg,rgba(0,37,78,.78),rgba(7,72,127,.5)); color:#ffffff; backdrop-filter:blur(18px); box-shadow:0 24px 55px rgba(0,0,0,.25); animation:orbitFloat 5.5s ease-in-out infinite alternate; }
    .hero-orbit-card > span { display:grid; place-items:center; width:66px; height:66px; border-radius:50%; border:1px solid rgba(135,185,238,.48); background:radial-gradient(circle,rgba(0,57,118,.38),rgba(0,57,118,.08)); color:#b9d4ec; font-family:"DM Sans",sans-serif; font-size:1.2rem; font-weight:700; box-shadow:0 0 0 8px rgba(0,57,118,.08); }
    .hero-orbit-card small { display:block; margin-bottom:6px; color:#87b9ee; font-size:.6rem; font-weight:700; letter-spacing:.13em; }
    .hero-orbit-card strong { display:block; font-size:.88rem; line-height:1.5; }
    @keyframes orbitFloat { from{ transform:translateY(-5px); } to{ transform:translateY(8px); } }

    .section-head { padding:34px 36px; border:1px solid rgba(0,57,118,.09); border-radius:20px; background:rgba(255,255,255,.72); box-shadow:0 18px 45px rgba(0,37,78,.055); backdrop-filter:blur(12px); }
    .section-head p { padding-left:24px; border-left:3px solid transparent; border-image:linear-gradient(#1564ad,#1564ad) 1; }
    .kicker { display:inline-flex; align-items:center; gap:9px; }
    .kicker::before { content:""; width:8px; height:8px; border-radius:50%; background:linear-gradient(135deg,#1564ad,#1564ad); box-shadow:0 0 0 6px rgba(0,57,118,.1); }
    .cards { gap:20px; }
    .card { min-height:430px; border:0; border-top:0 !important; box-shadow:0 16px 38px rgba(0,37,78,.09); }
    .card::after { height:5px; background:linear-gradient(90deg,#1564ad,#1564ad,#f58220); }
    .card:hover { transform:translateY(-10px); box-shadow:0 30px 70px rgba(0,37,78,.19); }
    .card-media { height:190px; }
    .card:nth-child(-n+3) .card-media { height:205px; }
    .card-media::before { content:""; position:absolute; inset:0; z-index:1; background:radial-gradient(circle at 82% 18%,rgba(255,255,255,.3),transparent 24%); mix-blend-mode:screen; }
    .card-media::after { background:linear-gradient(0deg,rgba(0,37,78,.58),transparent 72%); }
    .card-media > i { width:54px; height:54px; border:1px solid rgba(255,255,255,.3); box-shadow:0 12px 28px rgba(0,0,0,.22); font-size:1.5rem; }
    .card h3 { font-size:1.32rem; }
    .card p { font-size:.92rem; }
    .card-link { width:40px; height:40px; border:1px solid rgba(255,255,255,.28); backdrop-filter:blur(10px); }

    .signature-grid { box-shadow:0 34px 85px rgba(0,37,78,.15); border-color:rgba(0,57,118,.16); }
    .signature-intro::after { content:""; position:absolute; width:230px; height:230px; right:-110px; top:-90px; border-radius:50%; border:42px solid rgba(135,185,238,.08); box-shadow:0 0 0 1px rgba(135,185,238,.18); }
    .signature-intro > * { position:relative; z-index:1; }
    .expertise-item { box-shadow:0 10px 24px rgba(0,37,78,.045); }
    .expertise-item:hover { transform:translateY(-6px); box-shadow:0 18px 40px rgba(0,37,78,.12); }
    .process-visual { min-height:340px; box-shadow:0 30px 70px rgba(0,37,78,.18); }
    .step { overflow:hidden; transition:transform .3s ease,box-shadow .3s ease; }
    .step::before { content:""; position:absolute; width:100px; height:100px; right:-42px; top:-42px; border-radius:50%; background:rgba(0,57,118,.07); }
    .step:hover { transform:translateY(-7px); box-shadow:0 22px 48px rgba(0,37,78,.12); }
    .claims-grid { box-shadow:0 36px 90px rgba(0,37,78,.2); outline:1px solid rgba(0,57,118,.12); }
    .principle { transition:transform .3s ease,background .3s ease,border-color .3s ease; }
    .principle:hover { transform:translateY(-5px); background:rgba(255,255,255,.09); border-color:rgba(135,185,238,.36); }
    .principle:nth-child(2) span { color:#b9d4ec; background:rgba(60,124,184,.2); }
    .principle:nth-child(3) span { color:#ffbc84; background:rgba(245,130,32,.18); }
    .principle:nth-child(4) span { color:#b9d4ec; background:rgba(60,124,184,.22); }
    .contact-panel { box-shadow:0 32px 80px rgba(0,37,78,.15); }
    .contact-main { background:linear-gradient(145deg,rgba(255,255,255,.98),rgba(237,243,248,.92)); }
    .contact-side { position:relative; overflow:hidden; }
    .contact-side::before { content:""; position:absolute; width:260px; height:260px; right:-110px; top:-100px; border-radius:50%; border:48px solid rgba(255,255,255,.08); }
    .contact-side > * { position:relative; z-index:1; }

    footer { background: #00254e; color: rgba(255,255,255,.58); padding: 70px 0 28px; }
    .footer-grid { display: grid; grid-template-columns: 1.35fr 1fr 1fr 1fr; gap: 55px; padding-bottom: 55px; }
    footer .brand { color: #ffffff; }
    footer .brand-logo { width:230px; filter:drop-shadow(0 14px 28px rgba(0,0,0,.28)); }
    .footer-about { margin-top: 23px; font-size: .84rem; line-height: 1.75; max-width: 320px; }
    .footer-col strong { display: block; color: #ffffff; font-size: .82rem; margin-bottom: 18px; }
    .footer-col a { display: block; font-size: .8rem; margin: 10px 0; transition: color .2s ease; }
    .footer-col a:hover { color: var(--gold-soft); }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 25px; display: flex; justify-content: space-between; font-size: .72rem; }

    .mobile-panel { display: none; }
    .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
    .reveal.visible { opacity: 1; transform: translateY(0); }
    @keyframes heroReveal { from { opacity: 0; transform: scale(1.045); } to { opacity: 1; transform: scale(1.01); } }
    @keyframes patternDrift { from { transform:translate3d(-20px,-12px,0); } to { transform:translate3d(28px,18px,0); } }
    @keyframes softPulse { from { transform:translate3d(-8px,0,0) scale(.92); opacity:.26; } to { transform:translate3d(8px,12px,0) scale(1.12); opacity:.48; } }

    @media (max-width: 980px) {
      :root { --container: min(100% - 42px, 760px); }
      .topline { display: none; }
      .nav { top: 0; height: 92px; }
      .brand { min-width: auto; }
      .header-logo-full { width:128px; }
      .nav-links, .nav-cta { display: none; }
      .menu-button { display: block; }
      .mobile-panel { display: block; position: absolute; top: 92px; left: 0; right: 0; padding: 17px 21px 22px; background: rgba(0,37,78,.98); border-bottom: 1px solid rgba(255,255,255,.12); transform: translateY(-130%); transition: transform .3s ease; z-index: -1; }
      .mobile-panel.open { transform: translateY(0); }
      .mobile-panel a { display: block; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.8); }
      .hero { min-height: 950px; height: auto; max-height:none; }
      .hero .container { padding-top: 92px; align-items: flex-end; padding-bottom: 170px; }
      .hero-content { width: 100%; padding-left: 25px; }
      .hero::before { background: linear-gradient(0deg, rgba(0,37,78,.98) 8%, rgba(0,37,78,.65) 63%, rgba(0,37,78,.22) 100%), url("insurance-consultation.png") 66% center / cover no-repeat; }
      .hero-aside { left: 21px; right: 21px; bottom: 24px; width: auto; }
      .hero-orbit-card { display:none; }
      .scroll-note { display: none; }
      .section-head, .promise-grid, .process-top { grid-template-columns: 1fr; gap: 35px; }
      .quote-head, .quote-shell { grid-template-columns:1fr; gap:28px; }
      .quote-services { grid-template-columns:repeat(3,1fr); }
      .cards { grid-template-columns: repeat(2, 1fr); }
      .promise-grid { gap: 60px; }
      .signature-grid, .claims-grid { grid-template-columns: 1fr; }
      .expertise-list { grid-template-columns:1fr 1fr; }
      .steps { grid-template-columns: repeat(2, 1fr); }
      .step:nth-child(2) { border-right: 1px solid var(--line); }
      .coverage-bar .container { grid-template-columns: repeat(2, 1fr); }
      .coverage-bar .container { transform:translateY(-22px); margin-bottom:-22px; }
      .coverage-title { grid-column: 1 / -1; border-right: 0; border-bottom: 1px solid var(--line); padding-left: 24px; }
      .contact-panel { grid-template-columns: 1fr; }
      .contact-side { min-height: 260px; }
      .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
      .footer-grid > :last-child { display: none; }
    }

    @media (max-width: 640px) {
      :root { --container: calc(100% - 32px); }
      .brand-logo { width:112px; }
      .hero { min-height: 760px; max-height: none; height: 100svh; }
      .hero .container { padding-bottom: 190px; }
      .hero-content { padding-left: 20px; }
      h1 { font-size: clamp(3rem, 13.5vw, 4.3rem); }
      .hero-lead { font-size: .94rem; line-height: 1.65; }
      .hero-note .trust-chip:nth-child(3) { display:none; }
      .hero-actions { margin-top: 26px; gap: 10px; }
      .btn { min-height: 48px; padding: 0 17px; font-size: .78rem; }
      .hero-proof { grid-template-columns: 32px 1fr; padding: 12px 11px; gap: 8px; }
      .hero-proof > i { width: 30px; height: 30px; border-radius: 8px; }
      .hero-proof strong { font-size: .7rem; }
      .hero-proof small { display: none; }
      .hero-stat-grid { grid-template-columns: 1fr 1fr; }
      .hero-stat { padding: 14px 16px; }
      .hero-stat-grid .hero-stat:last-child { display: none; }
      .solutions, .promise, .contact, .signature, .process { padding: 78px 0; }
      .quote { padding:78px 0; }
      .cards { grid-template-columns: 1fr; }
      .card { min-height: 250px; }
      .signature-intro, .expertise-list, .claims-copy, .claims-card { padding: 42px 27px; }
      .signature-seal { width: 90px; height: 90px; margin-top: 34px; }
      .expertise-item { grid-template-columns: 44px 1fr; gap: 12px; }
      .expertise-item a { display: none; }
      .steps { grid-template-columns: 1fr; }
      .process-visual { min-height:240px; margin-top:0; }
      .process-visual-copy { left:22px; right:22px; bottom:24px; }
      .expertise-list, .principles { grid-template-columns:1fr; }
      .process-mini { grid-template-columns:1fr 1fr 1fr; }
      .quote-services { grid-template-columns:1fr 1fr; }
      .quote-selector, .quote-form-panel { padding:22px; }
      .form-grid, .dynamic-fields { grid-template-columns:1fr; }
      .field.full, .form-divider, .consent, .quote-submit, .quote-status { grid-column:auto; }
      .step, .step:nth-child(2) { border-right: 1px solid var(--line); }
      .step::after { display: none; }
      .claims-points { gap: 18px; flex-wrap: wrap; }
      .claims-points div { flex: 1 1 100%; }
      .coverage-bar .container { grid-template-columns: 1fr; }
      .coverage-bar .container { transform:translateY(-14px); margin-bottom:-14px; border-radius:16px; }
      .coverage-item, .coverage-title { border-right:0; border-bottom:1px solid var(--line); padding:22px; }
      .coverage-title { padding:20px; }
      .section-head { margin-bottom: 38px; }
      .section-head { padding:26px 22px; }
      .section-head p { padding-left:16px; }
      .contact-main, .contact-side { padding: 38px 27px; }
      .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 22px; }
      .footer-grid > :first-child { grid-column: 1 / -1; }
      .footer-bottom { display: block; line-height: 1.8; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; }
    }
    .hero { min-height:820px; height:auto; max-height:none; padding-bottom:145px; }
    .hero .container { min-height:675px; height:auto; padding-top:170px; padding-bottom:70px; align-items:center; }
    .hero-content { width:min(660px,56%); }
    .hero-lead { max-width:530px; }
    .hero::before { background:linear-gradient(90deg,#00254ef5 0%,#00254ed9 33%,#00254e40 66%,#00254e08 100%),url("insurance-consultation.png") 78% center/cover no-repeat; }
    .hero-aside { right:max(32px,calc((100vw - 1200px)/2)); bottom:180px; width:min(550px,43vw); }
    .hero-proof { grid-template-columns:1fr; gap:9px; padding:18px; }
    .hero-proof strong { font-size:14px; }
    .hero-proof small { font-size:12px; letter-spacing:0; }
    .hero-orbit-card { top:205px; }
    .hero-partners { position:absolute; z-index:4; bottom:0; left:0; right:0; max-width:none; margin:0; padding:27px max(32px,calc((100vw - 1200px)/2)); border-radius:0; background:linear-gradient(120deg,#edf3f8fa,#ffffffed); border-top:1px solid #ffffff77; backdrop-filter:blur(22px); box-shadow:0 -18px 65px #00254e15; display:grid; grid-template-columns:180px 1fr; align-items:center; gap:40px; }
    .hero-partners p { margin:0; font-size:14px; font-weight:500; line-height:1.55; letter-spacing:0; color:#1564ad; }
    .hero-partners p strong { display:block; font-size:18px; color:#003976; font-weight:700; }
    .partner-logos { display:grid; grid-template-columns:repeat(5,minmax(0,1fr)); align-items:center; gap:28px; }
    .partner-logos figure { margin:0; min-width:0; display:flex; align-items:center; justify-content:center; height:70px; }
    .partner-logos img { display:block; max-width:145px; width:100%; height:54px; object-fit:contain; transition:transform .25s; }
    .partner-logos img:hover { transform:translateY(-3px); }
    .partner-logos .partner-axa img { max-width:145px; height:54px; }
    @media(max-width:1100px) { .hero-aside { width:40vw; } .hero-proof { padding:12px; } .hero-proof small { display:none; } .partner-logos { gap:20px; } }
    @media(max-width:980px) { .hero { padding-bottom:160px; min-height:950px; } .hero .container { min-height:790px; padding:140px 0 190px; } .hero-content { width:90%; padding-left:0; } .hero-aside { width:auto; left:21px; right:21px; bottom:190px; } .hero-proof { display:flex; align-items:center; padding:16px; } .hero-partners { padding:24px 28px; gap:20px; grid-template-columns:1fr; } .hero-partners p { display:none; } .partner-logos { gap:20px; } }
    @media(max-width:640px) { .hero { min-height:0 !important; padding-bottom:245px; } .hero .container { min-height:780px; padding-top:140px; padding-bottom:175px !important; } .hero-content { width:100%; } .hero-aside { bottom:270px; left:16px; right:16px; } .hero-proof { display:grid; grid-template-columns:1fr; justify-items:center; text-align:center; gap:8px; padding:12px 8px; } .hero-proof strong { font-size:12px; } .hero-partners { padding:20px 24px 32px; } .partner-logos { grid-template-columns:repeat(6,1fr); gap:15px 20px; } .partner-logos figure { grid-column:span 2; height:65px; } .partner-logos figure:nth-child(4) { grid-column:2 / span 2; } .partner-logos img { height:48px; } .partner-logos .partner-axa img { height:55px; } }
    .hero { padding-bottom:0; }
    .hero .container { min-height:820px; }
    .hero-aside { bottom:55px; display:flex; flex-direction:column; gap:16px; overflow:visible; border:0; background:none; box-shadow:none; }
    .hero-aside .hero-partners { position:relative; inset:auto; order:-1; display:block; width:100%; padding:20px 18px; border-radius:16px; box-sizing:border-box; }
    .hero-aside .hero-partners p { display:none; }
    .hero-aside .partner-logos { grid-template-columns:repeat(5,minmax(0,1fr)); gap:16px; }
    .hero-aside .partner-logos figure { height:40px; grid-column:auto; }
    .hero-aside .partner-logos img { height:40px; }
    .hero-aside .hero-proof-row { border:1px solid #ffffff26; border-radius:16px; overflow:hidden; background:#00254ed9; backdrop-filter:blur(18px); }
    @media(max-width:980px) { .hero { min-height:0; } .hero .container { min-height:0; padding-bottom:45px; } .hero-aside { position:relative; inset:auto; width:auto; margin:0 28px 45px; } }
    @media(max-width:640px) { .hero { padding-bottom:0; } .hero .container { min-height:0; padding-bottom:35px !important; } .hero-aside { margin:0 16px 35px; } .hero-aside .partner-logos { grid-template-columns:repeat(6,minmax(0,1fr)); gap:10px 20px; } .hero-aside .partner-logos figure { grid-column:span 2; height:42px; } .hero-aside .partner-logos figure:nth-child(4) { grid-column:2 / span 2; } }
    /* Individually framed original insurer logos, aligned above service benefits. */
    .hero-aside .hero-partners { position:relative; inset:auto; order:-1; width:100%; height:auto; margin:0; padding:0; border:0; border-radius:0; background:none; backdrop-filter:none; box-shadow:none; }
    .hero-aside .partner-logos { display:grid; grid-template-columns:repeat(5,minmax(0,1fr)); align-items:center; gap:10px; width:100%; }
    .hero-aside .partner-logos figure,
    .hero-aside .partner-logos figure:nth-child(n) { position:relative; inset:auto; grid-column:auto; transform:none; width:auto; height:76px; padding:12px 9px; margin:0; box-sizing:border-box; background:rgba(255,255,255,.62); -webkit-backdrop-filter:blur(14px); backdrop-filter:blur(14px); border:1px solid rgba(255,255,255,.45); border-radius:6px; box-shadow:0 8px 24px #00254e26,inset 0 1px 0 #ffffff55; }
    .hero-aside .partner-logos img { width:100%; max-width:100%; height:42px; object-fit:contain; filter:none; opacity:1; }
    @media(max-width:980px) { .hero-aside .partner-logos figure:nth-child(n) { height:82px; padding:14px; } }
    @media(max-width:640px) { .hero-aside .partner-logos { display:flex; gap:9px; overflow-x:auto; padding:3px 0 12px; scroll-snap-type:x mandatory; scrollbar-width:thin; scrollbar-color:#f5822055 transparent; } .hero-aside .partner-logos figure:nth-child(n) { flex:0 0 112px; height:72px; padding:12px; scroll-snap-align:start; } .hero-aside .partner-logos img { height:40px; } }
    /* Light ivory hero inspired by the Dağıstan Sigorta printed identity. */
    .hero { background:#ffe0c4; color:#003976; box-shadow:inset 0 -1px #f5822040; }
    .hero::before { inset:0; background:linear-gradient(90deg,#ffe0c4 0%,#ffe0c4 28%,rgba(255,224,196,.96) 39%,rgba(255,224,196,.76) 49%,rgba(255,224,196,.3) 61%,rgba(255,224,196,.06) 78%,rgba(255,224,196,.02) 100%),url("insurance-consultation.png") 78% center/cover no-repeat; }
    .hero::after { opacity:1; background:linear-gradient(90deg,rgba(192,90,8,.04),transparent 48%,rgba(0,37,78,.1)),linear-gradient(0deg,rgba(0,57,118,.12),transparent 24%); }
    .hero-content { filter:none; isolation:isolate; }
    .hero-content::before { content:""; display:block; position:absolute; z-index:-1; pointer-events:none; width:min(560px,100%); height:560px; left:-25px; top:-90px; background:url("dagistan-emblem.png") center/contain no-repeat; opacity:.17; }
    @media(max-width:640px) { .hero-content::before { width:100%; height:420px; left:0; top:-45px; opacity:.12; } }
    .hero h1 { color:#003976; text-shadow:none; }
    .hero h1 em { background:none; color:#a94e04; }
    .hero .eyebrow { color:#a94e04; background:#ffe0c48c; border:1px solid #f5822033; }
    .hero .eyebrow::before { background:#c05a08; }
    .hero-lead { color:#07487f; }
    .hero .btn-primary { background:linear-gradient(135deg,#c05a08,#a94e04); box-shadow:0 12px 28px #c05a0826; }
    .hero .btn-primary:hover { background:#a94e04; }
    .hero .btn-ghost { color:#003976; border-color:#3c7cb859; background:#ffffff59; }
    .hero .btn-ghost:hover { background:#fff3e8; border-color:#c05a08; }
    .hero .trust-chip { color:#07487f; background:#fff3e8b3; border-color:#f5822040; backdrop-filter:blur(12px); }
    .hero .trust-chip i { color:#c05a08; }
    .hero-orbit-card { background:linear-gradient(145deg,#ffe0c4ed,#ffe0c4eb); color:#003976; border-color:#f5822070; box-shadow:0 18px 50px #00254e26; }
    .hero-orbit-card > span { color:#a94e04; border-color:#f58220; background:#ffe0c466; box-shadow:0 0 0 8px #f5822010; }
    .hero-orbit-card small { color:#a94e04; }
    .hero-aside .hero-proof-row { background:#003976ed; border-color:#f5822066; box-shadow:0 16px 40px #00254e30; }
    .hero-proof { border-color:#f5822038; }
    .hero-proof strong { color:#fff3e8; }
    .hero-proof small { color:#b9d4ec; }
    .hero-proof:nth-child(n) > i { color:#ffbc84; background:#f582201f; border-color:#f582204d; }
    .hero-aside .partner-logos figure:nth-child(n) { background:rgba(255,243,232,.9); border-color:#f5822070; box-shadow:0 8px 24px #00254e26; }
    @media(max-width:980px) {
      .hero::before { background:linear-gradient(180deg,rgba(255,224,196,.97) 0%,rgba(255,224,196,.93) 48%,rgba(255,224,196,.7) 72%,rgba(255,224,196,.28) 100%),url("insurance-consultation.png") 66% center/cover no-repeat; }
    }
    .contact-side .contact-email { font-size:1rem; overflow-wrap:anywhere; }
    .contact-side address { font-style:normal; font-size:1rem; line-height:1.7; color:#dce8f3; }
    .contact-side .contact-whatsapp { display:inline-flex; align-items:center; gap:10px; font-size:1rem; padding:13px 18px; border:1px solid #87b9ee73; border-radius:10px; color:#ffffff; background:#07487f; }
    .footer-contact { margin-top:20px; font-style:normal; line-height:1.8; font-size:.9rem; }
    .footer-contact a { display:block; margin-bottom:7px; color:#edf3f8; }
    .whatsapp-chat { position:fixed; z-index:1000; right:24px; bottom:24px; display:flex; align-items:center; gap:11px; padding:15px 20px; border:1px solid #ffffff50; border-radius:32px; background:#07487f; color:#ffffff; box-shadow:0 8px 28px #00254e38; font-size:15px; font-weight:700; line-height:1.3; transition:background .2s,transform .2s; }
    .whatsapp-chat i { font-size:26px; }
    .whatsapp-chat:hover { background:#003976; transform:translateY(-2px); }
    .whatsapp-chat:focus-visible { outline:3px solid #f58220; outline-offset:4px; }
    @media(max-width:640px) { .whatsapp-chat { right:16px; bottom:calc(16px + env(safe-area-inset-bottom)); padding:12px 16px; font-size:14px; } footer { padding-bottom:100px; } }