:root{--petrol:#083b3e;--petrol-deep:#052c2f;--petrol-soft:#15585c;--coral:#ef6a5b;--coral-dark:#d85448;--ivory:#f7f3ea;--paper:#fffdf8;--mist:#dce9e7;--sky:#a9d7db;--ink:#123033;--muted:#5d706f;--line:#083b3e29;--container:1240px;--shadow:0 24px 70px #062d3024}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:90px}body{background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;font-family:DM Sans,sans-serif;font-size:15px;line-height:1.65;overflow-x:hidden}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,textarea{font:inherit}button{cursor:pointer}h1,h2,h3,h4{letter-spacing:-.045em;font-family:Manrope,sans-serif;font-weight:700;line-height:1.06}.container{width:min(var(--container), calc(100% - 64px));margin-inline:auto}.reveal{opacity:0;transition:opacity .65s,transform .65s;transform:translateY(24px)}.reveal.is-visible{opacity:1;transform:none}.site-header{background:var(--paper);border-bottom:1px solid var(--line);z-index:50;align-items:center;height:86px;display:flex;position:relative}.header-inner{justify-content:space-between;align-items:center;gap:28px;display:flex}.brand{flex-shrink:0;align-items:center;gap:12px;display:inline-flex}.brand-mark{width:34px;height:38px;display:block;position:relative}.brand-mark i{background:var(--coral);border-radius:2px;width:27px;height:9px;display:block;position:absolute;left:1px;transform:skewY(-16deg)}.brand-mark i:first-child{top:2px}.brand-mark i:nth-child(2){background:var(--sky);top:14px;left:4px}.brand-mark i:nth-child(3){background:var(--petrol);top:26px;left:7px}.brand-name{color:var(--petrol);letter-spacing:-.035em;font-family:Manrope,sans-serif;font-size:18px;line-height:.92}.brand-name strong,.brand-name span{display:block}.brand-name strong{font-weight:800}.brand-name span{letter-spacing:-.02em;font-size:15px;font-weight:500}.nav{align-items:center;gap:6px;display:flex}.nav>a{color:#486362;padding:12px 13px;font-size:14px;font-weight:600;transition:color .2s;position:relative}.nav>a:hover,.nav>a.active{color:var(--petrol)}.nav>a.active:after{content:"";background:var(--coral);height:2px;position:absolute;bottom:5px;left:14px;right:14px}.nav .nav-cta{color:#fff;background:var(--petrol);border-radius:3px;margin-left:8px;padding:12px 19px}.nav .nav-cta:hover{color:#fff;background:var(--coral)}.nav .nav-cta:after{display:none}.menu-toggle{background:0 0;border:0;width:44px;height:44px;padding:10px;display:none}.menu-toggle span{background:var(--petrol);width:24px;height:2px;margin:6px auto;transition:all .25s;display:block}.menu-toggle.is-open span:first-child{transform:translateY(4px)rotate(45deg)}.menu-toggle.is-open span:last-child{transform:translateY(-4px)rotate(-45deg)}.kicker{color:var(--sky);letter-spacing:.16em;text-transform:uppercase;align-items:center;gap:10px;font-family:Manrope,sans-serif;font-size:11px;font-weight:700;display:inline-flex}.kicker i{background:var(--coral);width:22px;height:2px;display:inline-block}.kicker-dark{color:var(--petrol-soft)}.button{border:0;border-radius:3px;justify-content:center;align-items:center;gap:26px;min-height:52px;padding:15px 23px;font-family:Manrope,sans-serif;font-size:14px;font-weight:700;transition:transform .2s,background .2s,color .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-coral{background:var(--coral);color:#fff}.button-coral:hover{background:var(--coral-dark)}.button-light{color:var(--petrol);background:var(--paper)}.button-light:hover{color:#fff;background:var(--coral)}.button-wide{width:100%}.text-link{color:#fff;border-bottom:1px solid #ffffff73;align-items:center;gap:10px;padding:8px 0 5px;font-size:14px;font-weight:700;display:inline-flex}.text-link.dark{color:var(--petrol);border-bottom-color:var(--line)}.section-heading h2,.law-copy h2,.claim-copy h2,.faq-grid h2,.compare-grid h2,.document-grid h2{font-size:clamp(2.25rem,4vw,4.25rem)}.heading-row{grid-template-columns:1.25fr .75fr;align-items:end;gap:80px;margin-bottom:64px;display:grid}.heading-row p{color:var(--muted);max-width:520px;padding-bottom:6px;font-size:16px}.centered{text-align:center;margin:0 auto 60px}.centered .kicker{justify-content:center}.centered h2{margin-top:18px}.home-hero{background:var(--petrol);color:#fff;min-height:760px;position:relative;overflow:hidden}.home-hero:before{content:"";opacity:.16;background-image:linear-gradient(#ffffff29 1px,#0000 1px),linear-gradient(90deg,#ffffff29 1px,#0000 1px);background-size:72px 72px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(90deg,#000,#0000 70%);mask-image:linear-gradient(90deg,#000,#0000 70%)}.home-hero-grid{grid-template-columns:1.04fr .96fr;min-height:760px;display:grid;position:relative}.hero-copy{z-index:2;flex-direction:column;justify-content:center;padding:110px 60px 75px 0;display:flex;position:relative}.hero-copy h1{color:var(--ivory);margin:21px 0 24px;font-size:clamp(3.5rem,5.7vw,5.95rem)}.hero-copy h1 em,.page-hero h1 em{color:var(--coral);font-style:normal}.hero-lead{color:#ffffffc2;max-width:610px;font-size:16px;line-height:1.65}.hero-actions{align-items:center;gap:34px;margin-top:36px;display:flex}.hero-proof{border-top:1px solid #ffffff2e;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:55px;padding-top:25px;display:grid}.hero-proof div{flex-direction:column;gap:2px;display:flex}.hero-proof strong{color:#fff;font-family:Manrope,sans-serif;font-size:14px}.hero-proof span{color:#ffffff8c;font-size:11px}.hero-visual{min-height:760px;position:relative}.hero-photo{position:absolute;inset:44px 0 0 20px;overflow:hidden}.hero-photo:after{content:"";background:linear-gradient(#0000 45%,#052c2fb8);position:absolute;inset:0}.hero-photo img{object-fit:cover;width:100%;height:100%}.photo-caption{z-index:2;color:#fff;text-align:right;font-family:Manrope,sans-serif;font-size:14px;line-height:1.4;position:absolute;bottom:30px;right:30px}.photo-caption span{color:var(--coral);margin-bottom:5px;font-size:11px;display:block}.hero-card{z-index:3;background:var(--ivory);width:310px;color:var(--petrol);box-shadow:var(--shadow);padding:22px 25px;position:absolute;bottom:62px;left:-20px}.hero-card span{color:var(--coral-dark);text-transform:uppercase;letter-spacing:.12em;margin-bottom:6px;font-size:10px;font-weight:700;display:block}.hero-card strong{font-family:Manrope,sans-serif;font-size:13px}.hero-orbit{z-index:4;background:var(--coral);color:#fff;border-radius:50%;place-items:center;width:122px;height:122px;display:grid;position:absolute;top:82px;left:-63px}.hero-orbit span{text-transform:uppercase;letter-spacing:.18em;font-size:10px;transform:rotate(-15deg)}.hero-orbit i{background:#fff;width:42px;height:2px;position:absolute;transform:rotate(-45deg)}.protection-section{padding:120px 0}.section-heading .kicker{margin-bottom:18px}.protection-grid{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.protection-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:330px;padding:32px;transition:background .25s,color .25s;position:relative}.protection-card:hover{background:var(--petrol);color:#fff}.card-top{justify-content:space-between;align-items:center;display:flex}.card-top>span{color:var(--coral);font:700 12px Manrope,sans-serif}.card-top small{color:var(--petrol-soft);text-transform:uppercase;letter-spacing:.08em;border:1px solid;border-radius:99px;padding:5px 9px;font-size:9px;font-weight:700}.protection-card:hover .card-top small{color:var(--sky)}.protection-card h3{margin:72px 0 18px;font-size:25px}.protection-card p{color:var(--muted);font-size:14px}.protection-card:hover p{color:#ffffffb8}.coverage-disclaimer{color:var(--muted);max-width:900px;margin-top:24px;font-size:12px}.law-section{background:var(--petrol);color:#fff;padding:130px 0;overflow:hidden}.law-grid{grid-template-columns:.8fr 1.2fr;align-items:center;gap:100px;display:grid}.law-visual{background:var(--sky);min-height:520px;color:var(--petrol);padding:65px 48px;position:relative}.law-visual:before,.law-visual:after{content:"";border:1px solid #083b3e33;width:190px;height:190px;position:absolute;bottom:40px;right:-80px;transform:rotate(45deg)}.law-visual:after{bottom:110px;right:-150px}.law-number{letter-spacing:-.08em;font:800 clamp(4rem,8vw,7.6rem)/1 Manrope,sans-serif}.law-line{background:var(--coral);width:70px;height:6px;margin:34px 0}.law-visual p{font:700 25px/1.25 Manrope,sans-serif}.law-visual>span{text-transform:uppercase;letter-spacing:.15em;font-size:11px;font-weight:700;position:absolute;bottom:38px;left:48px}.law-copy h2{color:var(--ivory);margin:20px 0 26px}.law-copy>p{color:#ffffffb3;font-size:16px}.law-list{border-top:1px solid #ffffff29;margin:40px 0;list-style:none}.law-list li{border-bottom:1px solid #ffffff29;grid-template-columns:180px 1fr;gap:24px;padding:17px 0;font-size:13px;display:grid}.law-list strong{color:#fff}.law-list span{color:#ffffff9e}.source-links{flex-wrap:wrap;gap:26px;display:flex}.source-links a{color:var(--sky);border-bottom:1px solid #a9d7db59;font-size:12px;font-weight:700}.roles-section{background:var(--ivory);padding:120px 0}.roles-grid{grid-template-columns:repeat(3,1fr);gap:22px;display:grid}.role-card{background:var(--paper);flex-direction:column;min-height:390px;padding:38px;display:flex}.role-card>span,.role-card-photo div>span{color:var(--coral-dark);text-transform:uppercase;letter-spacing:.14em;font-size:10px;font-weight:700}.role-card h3{margin:auto 0 16px;font-size:28px}.role-card p{color:var(--muted);font-size:14px}.role-card a{border-top:1px solid var(--line);justify-content:space-between;margin-top:28px;padding-top:16px;font-size:12px;font-weight:700;display:flex}.role-card-dark{background:var(--petrol);color:#fff}.role-card-dark p{color:#ffffffad}.role-card-dark a{border-top-color:#ffffff26}.role-card-photo{color:#fff;padding:0;position:relative;overflow:hidden}.role-card-photo:after{content:"";background:linear-gradient(#052c2f0d,#052c2fe6);position:absolute;inset:0}.role-card-photo img{object-fit:cover;width:100%;height:100%}.role-card-photo div{z-index:2;position:absolute;inset:auto 35px 35px}.role-card-photo h3{margin:10px 0 12px}.role-card-photo p{color:#ffffffb8}.process-section{background:var(--petrol-deep);color:#fff;padding:120px 0}.process-section .heading-row h2{color:var(--ivory)}.process-section .heading-row p{color:#ffffff9e}.process-list{border-top:1px solid #ffffff29}.process-item{border-bottom:1px solid #ffffff29;grid-template-columns:80px .8fr 1fr;align-items:center;gap:40px;padding:30px 0;display:grid}.process-item>span{color:var(--coral);font:700 12px Manrope,sans-serif}.process-item h3{color:#fff;font-size:24px}.process-item p{color:#fff9;font-size:14px}.claim-section{padding:120px 0}.claim-grid{grid-template-columns:1fr 1fr;align-items:center;gap:90px;display:grid}.claim-copy h2{margin:20px 0 25px}.claim-copy>p{color:var(--muted);font-size:16px}.claim-copy ol{margin:34px 0;list-style:none}.claim-copy li{border-bottom:1px solid var(--line);grid-template-columns:38px 1fr;gap:18px;padding:15px 0;display:grid}.claim-copy li>span{background:var(--mist);width:30px;height:30px;color:var(--petrol);border-radius:50%;place-items:center;font-size:11px;font-weight:700;display:grid}.claim-copy li strong{margin-bottom:3px;font:700 14px Manrope,sans-serif;display:block}.claim-copy li p{color:var(--muted);font-size:13px}.claim-photo{position:relative}.claim-photo img{object-fit:cover;width:100%;height:630px}.claim-photo>div{background:var(--coral);color:#fff;box-shadow:var(--shadow);flex-direction:column;padding:24px 28px;display:flex;position:absolute;bottom:40px;left:-40px}.claim-photo strong{font:700 15px Manrope,sans-serif}.claim-photo span{opacity:.8;font-size:12px}.faq-section{background:var(--ivory);padding:120px 0}.faq-grid{grid-template-columns:.8fr 1.2fr;gap:100px;display:grid}.faq-grid h2{margin:20px 0}.faq-grid>div:first-child>p{color:var(--muted);max-width:420px}.faq-list{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{cursor:pointer;grid-template-columns:42px 1fr 20px;align-items:center;gap:15px;padding:24px 0;font:700 16px Manrope,sans-serif;list-style:none;display:grid}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary>span{color:var(--coral-dark);font-size:10px}.faq-item summary i{font-size:22px;font-style:normal;font-weight:400;transition:transform .2s}.faq-item[open] summary i{transform:rotate(45deg)}.faq-item>p{color:var(--muted);padding:0 35px 25px 57px;font-size:14px}.quote-section{background:var(--petrol);color:#fff;padding:120px 0}.quote-grid{grid-template-columns:.9fr 1.1fr;align-items:center;gap:100px;display:grid}.quote-copy h2{color:var(--ivory);margin:20px 0 26px;font-size:clamp(2.4rem,4.1vw,4.3rem)}.quote-copy>p{color:#ffffffa8;max-width:520px}.quote-contact{border-top:1px solid #ffffff29;flex-wrap:wrap;gap:38px;margin-top:40px;padding-top:25px;display:flex}.quote-contact a{flex-direction:column;display:flex}.quote-contact small{color:var(--sky);text-transform:uppercase;letter-spacing:.12em;font-size:10px}.quote-contact strong{margin-top:4px;font:600 14px Manrope,sans-serif}.quote-panel{background:var(--paper);color:var(--ink);box-shadow:var(--shadow);padding:44px}.quote-form{width:100%}.form-grid{grid-template-columns:1fr 1fr;gap:20px;display:grid}.form-grid label{flex-direction:column;gap:7px;display:flex}.form-grid label span{color:var(--petrol);text-transform:uppercase;letter-spacing:.06em;font-size:11px;font-weight:700}.form-grid input,.form-grid textarea{border:0;border-bottom:1px solid var(--line);width:100%;color:var(--ink);background:0 0;border-radius:0;outline:none;padding:10px 0 12px}.form-grid input:focus,.form-grid textarea:focus{border-bottom-color:var(--coral)}.form-grid input::placeholder,.form-grid textarea::placeholder{color:#9aaaa8}.form-full{grid-column:1/-1}.quote-form .button{margin-top:27px}.form-note{color:var(--muted);text-align:center;margin-top:10px;font-size:10px}.quote-form--compact .form-grid{grid-template-columns:1fr;gap:17px}.page-hero{background:var(--petrol);color:#fff;align-items:flex-end;min-height:520px;display:flex;position:relative;overflow:hidden}.page-hero:before{content:"";opacity:.16;background-image:linear-gradient(#fff3 1px,#0000 1px),linear-gradient(90deg,#fff3 1px,#0000 1px);background-size:72px 72px;position:absolute;inset:0}.page-hero:after{content:"";background:var(--coral);opacity:.9;border-radius:50%;width:430px;height:430px;position:absolute;top:-210px;right:-180px}.page-hero-inner{z-index:2;padding-block:95px;position:relative}.page-hero h1{color:var(--ivory);max-width:1050px;margin:20px 0 24px;font-size:clamp(3rem,5.4vw,5.7rem)}.page-hero p{color:#ffffffb3;max-width:700px;font-size:16px}.page-hero-services:after{background:var(--sky)}.page-hero-about:after{background:var(--sky);border-radius:0;width:520px;height:520px;top:-260px;right:-260px;transform:rotate(45deg)}.page-hero-contact:after{background:var(--coral);width:380px;height:380px}.coverage-index{padding:90px 0 120px}.index-nav{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);margin-bottom:100px;display:grid}.index-nav a{border-right:1px solid var(--line);border-bottom:1px solid var(--line);align-items:center;gap:14px;padding:20px 22px;font:700 13px Manrope,sans-serif;transition:all .2s;display:flex}.index-nav a:hover{background:var(--mist)}.index-nav span{color:var(--coral-dark);font-size:10px}.product-list{border-top:1px solid var(--line)}.product-row{border-bottom:1px solid var(--line);grid-template-columns:80px .8fr 1.2fr;gap:55px;padding:65px 0;scroll-margin-top:90px;display:grid}.product-number{color:var(--coral);font:700 12px Manrope,sans-serif}.product-heading>span{color:var(--petrol-soft);text-transform:uppercase;letter-spacing:.14em;font-size:10px;font-weight:700}.product-heading h2{margin:14px 0 18px;font-size:36px}.product-heading p{color:var(--muted)}.product-details h3{color:var(--petrol);text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px;font-size:12px}.product-details ul{list-style:none}.product-details li{color:var(--muted);border-bottom:1px solid #083b3e17;padding:10px 0 10px 24px;position:relative}.product-details li:before{content:"↗";color:var(--coral);position:absolute;left:0}.product-note{background:var(--ivory);color:var(--muted);margin-top:20px;padding:15px 18px;font-size:12px}.product-note strong{color:var(--petrol)}.compare-section{background:var(--ivory);padding:120px 0}.compare-grid{grid-template-columns:.8fr 1.2fr;gap:100px;display:grid}.compare-grid h2{margin-top:20px}.compare-table{border-top:1px solid var(--line)}.compare-table>div{border-bottom:1px solid var(--line);grid-template-columns:40px 180px 1fr;align-items:baseline;gap:16px;padding:20px 0;display:grid}.compare-table span{color:var(--coral-dark);font-size:10px;font-weight:700}.compare-table strong{font:700 14px Manrope,sans-serif}.compare-table p{color:var(--muted);font-size:13px}.bottom-cta{background:var(--coral);color:#fff;padding:55px 0}.bottom-cta-inner{justify-content:space-between;align-items:center;gap:35px;display:flex}.bottom-cta span{text-transform:uppercase;letter-spacing:.12em;font-size:10px;font-weight:700}.bottom-cta h2{margin-top:6px;font-size:clamp(2rem,3vw,3.6rem)}.service-flow{padding:120px 0}.service-step-grid{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.service-step-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:280px;padding:32px}.service-step-card>span{color:var(--coral);font:700 11px Manrope,sans-serif}.service-step-card h3{margin:62px 0 15px;font-size:23px}.service-step-card p{color:var(--muted);font-size:14px}.claims-guide{background:var(--petrol);color:#fff;padding:120px 0}.claims-grid{grid-template-columns:.8fr 1.2fr;gap:100px;display:grid}.claims-title{align-self:start;position:sticky;top:120px}.claims-title h2{color:var(--ivory);margin:20px 0 25px;font-size:clamp(2.8rem,4.8vw,5rem)}.claims-title p{color:#ffffff9e}.claims-list{border-top:1px solid #ffffff2b}.claim-step{border-bottom:1px solid #ffffff2b;grid-template-columns:95px 1fr;gap:25px;padding:28px 0;display:grid}.claim-step>span{color:var(--coral);text-transform:uppercase;letter-spacing:.12em;font-size:10px;font-weight:700}.claim-step h3{color:#fff;margin-bottom:8px;font-size:22px}.claim-step p{color:#ffffff9e;font-size:14px}.document-section{background:var(--ivory);padding:120px 0}.document-grid{grid-template-columns:.8fr 1.2fr;gap:100px;display:grid}.document-grid h2{margin-top:20px}.document-list{border-top:1px solid var(--line)}.document-list>div{border-bottom:1px solid var(--line);grid-template-columns:50px 1fr;gap:16px;padding:18px 0;font-weight:600;display:grid}.document-list span{color:var(--coral-dark);font-size:10px}.about-story{padding:120px 0}.about-story-grid{grid-template-columns:1fr 1fr;align-items:center;gap:100px;display:grid}.about-story-photo img{object-fit:cover;width:100%;height:630px}.about-story-copy h2{margin:20px 0 28px;font-size:clamp(2.6rem,4.4vw,4.8rem)}.about-story-copy p{color:var(--muted);margin-top:18px;font-size:17px}.principles-section{background:var(--ivory);padding:120px 0}.principles-grid{border-left:1px solid var(--line);border-top:1px solid var(--line);grid-template-columns:repeat(4,1fr);display:grid}.principle-card{border-right:1px solid var(--line);border-bottom:1px solid 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