:root {
  --navy: #0b3d63;
  --navy-dark: #082a45;
  --blue-pale: #eaf2fa;
  --blue-line: #d6e6f5;
  --coral: #ff6b4a;
  --coral-dark: #e8532f;
  --ink: #16232e;
  --muted: #5b6b7a;
  --white: #ffffff;
  --radius: 10px;
  --maxw: 1120px;
  font-size: 16px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}

img { max-width: 100%; display: block; }

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--coral); }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Header ---------- */
header.site-header {
  border-bottom: 1px solid var(--blue-line);
  position: sticky;
  top: 0;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(6px);
  z-index: 100;
}

.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--maxw);
  margin: 0 auto;
}

.logo {
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.logo span { color: var(--coral); }

nav.main-nav { display: flex; align-items: center; gap: 18px; }
nav.main-nav a {
  color: var(--ink);
  font-size: 0.87rem;
  font-weight: 500;
  white-space: nowrap;
}
nav.main-nav a.active { color: var(--navy); font-weight: 700; }

.nav-toggle { display: none; }

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.12s ease, box-shadow 0.12s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-coral {
  background: var(--coral);
  color: var(--white) !important;
  box-shadow: 0 6px 16px rgba(255,107,74,0.28);
}
.btn-coral:hover { background: var(--coral-dark); color: var(--white) !important; }

.btn-outline {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy) !important;
}
.btn-outline:hover { background: var(--navy); color: var(--white) !important; }

.btn-block { display: block; width: 100%; text-align: center; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, var(--blue-pale) 0%, var(--white) 100%);
  padding: 72px 0 56px;
}
.hero .container { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: center; }
.eyebrow {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--blue-line);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}
h1 {
  font-size: 2.6rem;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
  color: var(--navy);
}
.hero p.lead {
  font-size: 1.15rem;
  color: var(--muted);
  margin: 0 0 28px;
  max-width: 46ch;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-card {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 20px 40px rgba(11,61,99,0.08);
}
.hero-card .num {
  font-variant-numeric: tabular-nums;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--coral);
}
.hero-card .num-label { color: var(--muted); font-size: 0.9rem; margin-top: 4px; }
.hero-card hr { border: none; border-top: 1px solid var(--blue-line); margin: 18px 0; }
.hero-card .mini-row { display: flex; justify-content: space-between; font-size: 0.9rem; padding: 6px 0; color: var(--muted); }
.hero-card .mini-row strong { color: var(--ink); font-variant-numeric: tabular-nums; }

/* ---------- Sections ---------- */
section { padding: 64px 0; }
section.tight { padding: 40px 0; }
section.alt { background: var(--blue-pale); }

h2 {
  font-size: 1.9rem;
  letter-spacing: -0.015em;
  color: var(--navy);
  margin: 0 0 14px;
}
h3 { font-size: 1.2rem; color: var(--navy); margin: 0 0 10px; }
.section-lead { color: var(--muted); font-size: 1.05rem; max-width: 68ch; margin: 0 0 36px; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }

.card {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 26px;
}
.card .icon-badge {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--blue-pale);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  margin-bottom: 14px;
}
.card p { color: var(--muted); margin: 0; }

.stat-strip {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  border-top: 1px solid var(--blue-line);
  border-bottom: 1px solid var(--blue-line);
  padding: 28px 0;
}
.stat { text-align: left; }
.stat .num { font-size: 1.7rem; font-weight: 800; color: var(--navy); font-variant-numeric: tabular-nums; }
.stat .lbl { color: var(--muted); font-size: 0.88rem; }

.property-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.property-card {
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 28px;
  background: var(--white);
}
.property-card .tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--navy);
  background: var(--blue-pale);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.property-card p { color: var(--muted); }

ol.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
ol.steps li {
  counter-increment: step;
  position: relative;
  padding: 0 0 28px 52px;
  border-left: 2px solid var(--blue-line);
  margin-left: 18px;
}
ol.steps li:last-child { border-left-color: transparent; padding-bottom: 0; }
ol.steps li::before {
  content: counter(step);
  position: absolute;
  left: -19px;
  top: 0;
  width: 36px; height: 36px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
}
ol.steps h3 { margin-bottom: 6px; }
ol.steps p { color: var(--muted); margin: 0; }

.term-list dt { font-weight: 700; color: var(--navy); margin-top: 18px; }
.term-list dd { margin: 4px 0 0; color: var(--muted); }

.trust-strip {
  background: var(--navy);
  color: var(--white);
  padding: 18px 0;
  font-size: 0.92rem;
  text-align: center;
}
.trust-strip a { color: var(--white); text-decoration: underline; }

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.calc-form {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 28px;
}
.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--ink);
  margin-bottom: 6px;
}
.field .hint { font-size: 0.8rem; color: var(--muted); margin-top: 4px; }
.field input, .field select {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--blue-line);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--ink);
  background: var(--white);
}
.field input:focus, .field select:focus { outline: 2px solid var(--navy); outline-offset: 1px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.calc-results {
  background: var(--blue-pale);
  border-radius: var(--radius);
  padding: 28px;
  position: sticky;
  top: 96px;
}
.result-hero { text-align: center; padding: 8px 0 24px; border-bottom: 1px solid var(--blue-line); margin-bottom: 20px; }
.result-hero .num {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--coral);
  font-variant-numeric: tabular-nums;
}
.result-hero .lbl { color: var(--muted); font-size: 0.95rem; margin-top: 4px; }
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px dashed var(--blue-line);
  font-size: 0.95rem;
}
.result-row:last-of-type { border-bottom: none; }
.result-row .v { font-weight: 700; font-variant-numeric: tabular-nums; }
.disclaimer {
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--blue-line);
}

/* ---------- Comparison engine ---------- */
.compare-summary {
  max-width: 900px;
  margin: 0 auto 28px;
  background: var(--blue-pale);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
}
.compare-summary-num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--coral);
  font-variant-numeric: tabular-nums;
}
.compare-summary-lbl { color: var(--muted); font-size: 0.95rem; margin-top: 6px; }
.compare-summary-lbl span { font-weight: 700; color: var(--ink); }

.compare-table {
  max-width: 900px;
  margin: 0 auto;
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  overflow: hidden;
}
.compare-row {
  display: grid;
  grid-template-columns: 48px 1fr 160px 160px;
  align-items: center;
  gap: 12px;
  padding: 18px 22px;
  background: var(--white);
  border-bottom: 1px solid var(--blue-line);
}
.compare-row:last-child { border-bottom: none; }
.compare-row.best { background: var(--blue-pale); }
.compare-rank {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  display: flex; align-items: center; justify-content: center;
}
.compare-row.best .compare-rank { background: var(--coral); }
.compare-name { font-weight: 700; color: var(--ink); }
.compare-badge {
  display: inline-block;
  margin-left: 10px;
  background: var(--coral);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 3px 9px;
  border-radius: 999px;
  vertical-align: middle;
}
.compare-premium { font-variant-numeric: tabular-nums; font-weight: 700; color: var(--navy); text-align: right; }
.compare-savings { font-variant-numeric: tabular-nums; font-weight: 700; color: var(--muted); text-align: right; }
.compare-savings.positive { color: #1a8a4a; }

/* ---------- Renewal tools (submit / check / agent dashboard) ---------- */
.renewal-tabs { display: flex; gap: 8px; max-width: 720px; margin: 0 auto; }
.renewal-tab {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--muted);
  background: var(--blue-pale);
  border: 1px solid var(--blue-line);
  border-bottom: none;
  padding: 12px 20px;
  border-radius: 8px 8px 0 0;
  cursor: pointer;
}
.renewal-tab.active { color: var(--navy); background: var(--white); }
.renewal-view { display: none; }
.renewal-view.active { display: block; }
.renewal-panel {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: 0 var(--radius) var(--radius) var(--radius);
  padding: 32px;
  max-width: 720px;
  margin: 0 auto;
}
.renewal-panel.agent-gate { border-radius: var(--radius); }

.field-error {
  color: var(--coral-dark);
  font-size: 0.85rem;
  margin-top: 12px;
  display: none;
}
.field-error:not(:empty) { display: block; }

.success-box {
  background: var(--blue-pale);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 20px;
  text-align: center;
}
.success-box .code {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--coral);
  letter-spacing: 0.04em;
  margin: 8px 0;
  font-variant-numeric: tabular-nums;
}
.success-box p { color: var(--muted); font-size: 0.85rem; margin: 6px 0 0; }

.dyn-row { display: flex; gap: 8px; margin-bottom: 8px; }
.dyn-row input { flex: 1; }
.dyn-row button {
  background: none;
  border: 1px solid var(--blue-line);
  border-radius: 6px;
  color: var(--coral-dark);
  font-size: 0.95rem;
  width: 38px;
  cursor: pointer;
}
.add-row-btn {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy);
  background: none;
  border: 1px dashed var(--coral);
  border-radius: 6px;
  padding: 8px 14px;
  cursor: pointer;
}

.quote-entry-row { display: grid; grid-template-columns: 1fr 1fr auto; gap: 10px; align-items: center; margin-bottom: 10px; }
.quote-entry-row button {
  background: none;
  border: 1px solid var(--blue-line);
  border-radius: 6px;
  color: var(--coral-dark);
  font-size: 0.95rem;
  height: 40px;
  width: 40px;
  cursor: pointer;
}

.renewal-quote-table { width: 100%; border-collapse: collapse; margin-top: 12px; }
.renewal-quote-table th {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
  text-align: left;
  padding: 8px 6px;
  border-bottom: 2px solid var(--navy);
}
.renewal-quote-table td { padding: 12px 6px; border-bottom: 1px dashed var(--blue-line); font-size: 0.92rem; }
.renewal-quote-table tr.best td { background: var(--blue-pale); }
.renewal-quote-table .premium { font-variant-numeric: tabular-nums; font-weight: 700; color: var(--navy); }

/* ---------- Bank logos (official trademarks, used to identify rate providers only) ---------- */
.bank-chip { display: flex; align-items: center; gap: 10px; }
.bank-logo {
  height: 26px;
  width: auto;
  max-width: 92px;
  object-fit: contain;
  flex-shrink: 0;
}

.lead-card {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin-bottom: 12px;
  cursor: pointer;
}
.lead-card:hover { border-color: var(--coral); }
.lead-card .lead-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; }
.lead-card .lead-ref { font-variant-numeric: tabular-nums; font-weight: 700; color: var(--navy); font-size: 0.85rem; }
.status-pill {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 3px 10px;
  border-radius: 999px;
  font-weight: 700;
}
.status-pill.pending { background: #fff3ea; color: var(--coral-dark); }
.status-pill.quoted { background: #e5f3ea; color: #1a8a4a; }
.lead-card .lead-name { font-weight: 700; color: var(--navy); }
.lead-card .lead-meta { color: var(--muted); font-size: 0.85rem; margin-top: 2px; }
.back-link { color: var(--muted); font-size: 0.85rem; cursor: pointer; text-decoration: underline; display: inline-block; margin-bottom: 14px; }

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid var(--blue-line);
  padding: 20px 0;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.05rem;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 1.4rem; color: var(--coral); font-weight: 400; }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { color: var(--muted); margin: 12px 0 0; }

/* ---------- Form ---------- */
.lead-form {
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 32px;
  max-width: 640px;
  margin: 0 auto;
}
.form-note { text-align: center; color: var(--muted); font-size: 0.85rem; margin-top: 14px; }
.form-success {
  display: none;
  background: var(--blue-pale);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  color: var(--navy);
  font-weight: 700;
}

/* ---------- Blog ---------- */
.blog-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card { border: 1px solid var(--blue-line); border-radius: var(--radius); overflow: hidden; background: var(--white); }
.blog-card .thumb { height: 140px; background: linear-gradient(135deg, var(--navy), var(--coral)); }
.blog-card .body { padding: 20px; }
.blog-card .cat { font-size: 0.75rem; font-weight: 700; color: var(--coral); text-transform: uppercase; letter-spacing: 0.04em; }
.blog-card h3 { margin: 8px 0 6px; }
.blog-card p { color: var(--muted); font-size: 0.92rem; margin: 0; }
.coming-soon { color: var(--muted); font-style: italic; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 48px;
  text-align: center;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #cfe0ee; max-width: 60ch; margin: 0 auto 24px; }

/* ---------- Partners grid ---------- */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 28px 24px;
  max-width: 820px;
  margin: 36px auto 0;
}
.partner-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 88px;
  background: var(--white);
  border: 1px solid var(--blue-line);
  border-radius: var(--radius);
  padding: 16px;
}
.partner-logo img { max-height: 40px; max-width: 150px; object-fit: contain; }
.partner-logo span {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--muted);
  text-align: center;
  letter-spacing: 0.01em;
}

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-dark);
  color: #b9cbdb;
  padding: 48px 0 28px;
  margin-top: 64px;
  font-size: 0.9rem;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; }
.footer-grid h4 { color: var(--white); font-size: 0.9rem; margin: 0 0 12px; }
.footer-grid a { color: #b9cbdb; display: block; margin-bottom: 8px; }
.footer-grid a:hover { color: var(--white); }
.footer-logo { color: var(--white); font-weight: 800; font-size: 1.15rem; margin-bottom: 10px; }
.footer-logo span { color: var(--coral); }
.footer-bottom {
  border-top: 1px solid #1c4363;
  margin-top: 36px;
  padding-top: 20px;
  font-size: 0.8rem;
  color: #8fa6ba;
  line-height: 1.7;
}

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; }
.text-center { text-align: center; }
.badge-todo {
  display: inline-block;
  background: #fff3ea;
  color: var(--coral-dark);
  border: 1px dashed var(--coral);
  font-size: 0.78rem;
  padding: 6px 10px;
  border-radius: 6px;
  margin-top: 8px;
}

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  nav.main-nav { display: none; }
  .hero .container { grid-template-columns: 1fr; }
  .grid-3, .grid-2, .property-cards, .calc-wrap, .footer-grid, .blog-cards { grid-template-columns: 1fr; }
  .calc-results { position: static; }
  h1 { font-size: 2.1rem; }
  .cta-band { padding: 32px 20px; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .compare-row {
    grid-template-columns: 1fr;
    text-align: left;
    gap: 6px;
  }
  .compare-premium, .compare-savings { text-align: left; }
  .renewal-panel { padding: 22px; }
  .quote-entry-row { grid-template-columns: 1fr; }
}