:root {
  --color-navy: #082b55;
  --color-blue: #2876a2;
  --color-sky: #78b9de;
  --color-sky-light: #e9f4fb;
  --color-ink: #172334;
  --color-copy: #4d5e73;
  --color-white: #ffffff;
  --color-surface: #f4f8fb;
  --color-border: #dceaf4;
  --color-shadow: 0 24px 64px rgba(8, 43, 85, 0.14);
  --radius-xl: 32px;
  --radius-lg: 24px;
  --radius-md: 18px;
  --radius-sm: 12px;
  --container: 1180px;
  --header-height: 90px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}
.py-0{
  padding-top: 0!important;
  padding-bottom: 0!important;
}

.pt-0{
  padding-top: 0!important;
}

.pb-0{
  padding-bottom: 0!important;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Open Sans", sans-serif;
  color: var(--color-ink);
  background: var(--color-white);
  line-height: 1.6;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

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

a {
  color: inherit;
  text-decoration: none;
}

button {
  font: inherit;
}

.container {
  width: min(calc(100% - 2rem), var(--container));
  margin: 0 auto;
}

.topbar {
  background: var(--color-navy);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.92rem;
}

.topbar__inner,
.topbar__contact,
.site-header__inner,
.hero__actions,
.section-note,
.cta__points,
.footer-bottom__inner {
  display: flex;
  align-items: center;
}

.topbar__inner,
.site-header__inner,
.footer-bottom__inner {
  justify-content: space-between;
}

.topbar__inner {
  min-height: 48px;
  gap: 1rem;
}

.topbar__contact {
  gap: 1.25rem;
  flex-wrap: wrap;
}

.topbar__social {
  display: flex;
  align-items: center;
  gap: 0.9rem;
}

.topbar__social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  color: var(--color-white);
  transition: color 0.25s ease, transform 0.25s ease, opacity 0.25s ease;
}

.topbar__social a:hover {
  color: var(--color-sky);
  transform: translateY(-1px);
}

.topbar__social svg {
  width: 100%;
  height: 100%;
  fill: currentColor;
  stroke: none;
}

.topbar__social a:first-child svg {
  fill: currentColor;
  stroke: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(8, 43, 85, 0.08);
}

.site-header.is-scrolled {
  box-shadow: 0 16px 34px rgba(9, 33, 63, 0.08);
}

.site-header__inner {
  min-height: var(--header-height);
  gap: 1.5rem;
}

.brand img {
  width: 220px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.4rem;
  font-weight: 600;
  color: var(--color-copy);
}

.site-nav__phone {
  margin-left: 1.1rem;
  color: #4a586b;
  font-weight: 700;
  letter-spacing: 0.01em;
}

.site-nav a:hover {
  color: var(--color-blue);
}

.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  padding: 0;
  width: 42px;
  height: 42px;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  margin: 5px auto;
  background: var(--color-navy);
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.menu-toggle.is-active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.menu-toggle.is-active span:nth-child(2) {
  opacity: 0;
}

.menu-toggle.is-active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 58px;
  padding: 0 1.6rem;
  border-radius: 12px;
  font-weight: 700;
  border: 2px solid transparent;
  transition: 0.25s ease;
}

.button--sm {
  min-height: 52px;
  padding: 0 1.25rem;
}

.button--primary {
  background: linear-gradient(135deg, var(--color-blue), #3f92c0);
  color: var(--color-white);
  box-shadow: 0 14px 28px rgba(40, 118, 162, 0.28);
}

.button--primary:hover {
  color: var(--color-white)!important;
  transform: translateY(-2px);
  box-shadow: 0 20px 38px rgba(40, 118, 162, 0.34);
}

.button--light {
  background: var(--color-white);
  color: var(--color-blue);
  box-shadow: 0 18px 36px rgba(255, 255, 255, 0.16);
}

.button--ghost {
  border-color: rgba(255, 255, 255, 0.42);
  color: var(--color-white);
  background: rgba(255, 255, 255, 0.08);
}

.button--ghost:hover {
  background: rgba(255, 255, 255, 0.15);
}

.button--outline {
  border-color: var(--color-blue);
  color: var(--color-blue);
  background: transparent;
}

.button--outline:hover {
  background: var(--color-sky-light);
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: calc(100vh - 48px);
  background: linear-gradient(135deg, #04192f 0%, #0b2f5d 48%, #103e67 100%);
}

.hero__media,
.hero__overlay,
.hero__grid {
  position: absolute;
  inset: 0;
}

.hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.32;
}

.hero__overlay {
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.24), transparent 28%),
    linear-gradient(135deg, rgba(4, 25, 47, 0.9) 10%, rgba(8, 43, 85, 0.76) 60%, rgba(40, 118, 162, 0.65) 100%);
}

.hero__grid {
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 58px 58px;
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.8), transparent 96%);
}

.hero__content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: calc(100vh - 48px);
  padding: 5rem 0 9.25rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  align-self: flex-start;
  gap: 0.75rem;
  padding: 0.75rem 1rem;
  margin-bottom: 2rem;
  color: rgba(255, 255, 255, 0.92);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 999px;
  backdrop-filter: blur(8px);
  font-size: 0.95rem;
  font-weight: 600;
}

.eyebrow__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #9de7ff;
  box-shadow: 0 0 0 8px rgba(157, 231, 255, 0.13);
}

.hero__slides {
  position: relative;
  width: min(100%, 760px);
  min-height: 260px;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.45s ease, transform 0.45s ease;
  pointer-events: none;
}

.hero-slide.is-active {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.hero h1,
.section-heading h2,
.section-copy h2,
.cta h2,
.review-card__author,
.program-card h3,
.showcase-card h3,
.benefit-grid h3,
.site-footer h3,
.region-card h3,
.region-card h4 {
  font-family: "Raleway", sans-serif;
}

.hero h1 {
  margin: 0 0 1.25rem;
  font-size: clamp(2.8rem, 5.4vw, 5.35rem);
  line-height: 0.98;
  letter-spacing: -0.04em;
  color: var(--color-white);
  max-width: 760px;
}

.hero h1 span {
  display: inline-block;
  color: #9ad5f1;
}

.hero p {
  margin: 0;
  max-width: 560px;
  color: rgba(255, 255, 255, 0.78);
  font-size: clamp(1rem, 2vw, 1.2rem);
}

.hero__actions {
  gap: 1rem;
  margin-top: 1.1rem;
  flex-wrap: wrap;
}

.hero .button {
  min-height: 62px;
  padding: 0 2rem;
  border-radius: 12px;
  font-size: 1rem;
}

.hero__actions--center {
  justify-content: center;
}

.chip-list span {
  display: inline-flex;
  align-items: center;
  padding: 0.72rem 1rem;
  border-radius: 999px;
  font-weight: 600;
}

.hero__dots {
  display: flex;
  gap: 0.7rem;
  margin-top: 1.1rem;
}

.hero-dot {
  width: 14px;
  height: 14px;
  border: 0;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.26);
  cursor: pointer;
  transition: all 0.25s ease;
}

.hero-dot.is-active {
  width: 44px;
  background: var(--color-white);
}

.hero__curve {
  position: absolute;
  left: 0;
  right: 0;
  bottom: -1px;
  z-index: 1;
  height: 185px;
}

.hero__curve svg {
  width: 100%;
  height: 100%;
  display: block;
}

.hero__curve path {
  fill: #f7f9fb;
}

.hero-cards {
  position: relative;
  z-index: 3;
  margin-top: -22px;
  padding: 0 0 2.75rem;
  background: linear-gradient(180deg, #f7f9fb 0%, #ffffff 100%);
}

.hero-cards__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 2rem;
}

.hero-card {
  position: relative;
  min-height: 270px;
  overflow: hidden;
  border-radius: var(--radius-lg);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(248, 252, 255, 0.98)),
    var(--color-white);
  border: 1px solid rgba(8, 43, 85, 0.08);
  box-shadow:
    0 18px 34px rgba(8, 43, 85, 0.1),
    0 1px 0 rgba(255, 255, 255, 0.9) inset;
  transition:
    transform 0.3s ease,
    box-shadow 0.3s ease,
    border-color 0.3s ease,
    background 0.3s ease;
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.22), transparent 34%),
    linear-gradient(160deg, rgba(40, 118, 162, 0.06), transparent 62%);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.hero-card__content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
  height: 100%;
  padding: 2rem 1.7rem 1.55rem;
  text-align: left;
}

.hero-card:hover {
  transform: translateY(-10px);
  border-color: rgba(40, 118, 162, 0.22);
  box-shadow:
    0 28px 56px rgba(8, 43, 85, 0.16),
    0 1px 0 rgba(255, 255, 255, 0.95) inset;
}

.hero-card:hover::before {
  opacity: 1;
}

.hero-card__icon {
  width: 58px;
  height: 58px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 18px;
  background: linear-gradient(135deg, #1c4f82, #2876a2);
  box-shadow: 0 14px 24px rgba(40, 118, 162, 0.24);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.hero-card:hover .hero-card__icon {
  box-shadow: 0 18px 30px rgba(40, 118, 162, 0.3);
}

.hero-card__icon svg {
  width: 30px;
  height: 30px;
  fill: var(--color-white);
  stroke: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.hero-card h3 {
  margin: 0;
  color: var(--color-navy);
  font-family: "Raleway", sans-serif;
  font-size: clamp(1.25rem, 1.375rem, 2rem);
  line-height: 32px;
  font-weight: 600;
  letter-spacing: -0.03em;
}

.hero-card p {
  margin: 0;
  color: var(--color-copy);
  font-size: 0.98rem;
  line-height: 1.45;
  max-width: 18rem;
}

.section {
  padding: 6.25rem 0;
}

.section--alt {
  background: linear-gradient(180deg, #ffffff 0%, #eef6fb 100%);
}

.section--soft {
  background:
    linear-gradient(180deg, rgba(120, 185, 222, 0.1), rgba(120, 185, 222, 0.04)),
    var(--color-white);
}

#reviews {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.22), transparent 22%),
    linear-gradient(135deg, #04192f 0%, #0a2c57 52%, #114b77 100%);
}

#reviews::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 52px 52px;
  opacity: 0.55;
  pointer-events: none;
}

#reviews .container {
  position: relative;
  z-index: 1;
}

.section-tag {
  margin: 0 0 1rem;
  color: var(--color-blue);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 0.78rem;
}

.section-tag--light {
  color: #a9daf3;
}

.section-heading {
  max-width: 768px;
  margin: 0 auto 3.2rem;
  text-align: center;
}

.section-heading h2,
.section-copy h2,
.cta h2 {
  margin: 0;
  line-height: 1.08;
  font-size: clamp(1.8rem, 2.75vw, 2.5rem);
  letter-spacing: -0.03em;
}
.section-heading h3{
  margin: 0;
  line-height: 1.08;
  font-size: clamp(1.25rem, 2.25vw, 2.5rem);
  letter-spacing: -0.03em;
}

.section-heading p:last-child,
.section-copy p,
.showcase-card p,
.program-card p,
.benefit-grid p,
.review-card blockquote,
.site-footer p,
.site-footer li,
.region-card li,
.region-card__content p {
  color: var(--color-copy);
}

.section-heading p,
.section-copy p,
.showcase-card p,
.program-card p,
.benefit-grid p,
.region-card__content p {
  font-size: 1rem;
  line-height: 1.65;
}

.split {
  display: grid;
  gap: 2.25rem;
  align-items: center;
}

.split--feature,
.split--map {
  grid-template-columns: minmax(0, 0.94fr) minmax(0, 1.06fr);
}

.feature-card,
.region-card,
.showcase-card,
.program-card,
.review-card,
.benefit-grid article {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  box-shadow: var(--color-shadow);
}

.feature-card,
.region-card {
  overflow: hidden;
  border-radius: var(--radius-xl);
}

.split--feature .feature-card {
  background: transparent;
  padding: 0;
  box-shadow: none;
  max-height: 560px;
}

.feature-card img {
  width: 100%;
  height: 100%;
  min-height: 500px;
  object-fit: cover;
  border-radius: 34px;
}

.section-copy--team {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  min-height: 560px;
  max-width: 600px;
  margin: 0;
  padding: 2rem 2.25rem 2rem 0;
  text-align: left;
  background: transparent;
  border: 0;
  border-radius: 0;
  box-shadow: none;
}

.team-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  margin-bottom: 1.7rem;
  padding: 0.55rem 1rem;
  background: var(--color-blue);
  color: var(--color-white);
  border-radius: 999px;
  font-size: 0.92rem;
  font-weight: 800;
  letter-spacing: 0.01em;
  text-transform: none;
}

.team-badge::before {
  content: "";
  width: 0.8rem;
  height: 0.8rem;
  border: 2px solid currentColor;
  border-radius: 50%;
  box-shadow: inset 0 0 0 2px rgba(40, 118, 162, 0.12);
}

.section-copy--team h2 {
  max-width: 14ch;
  margin-bottom: 1.35rem;
  font-size: clamp(1.8rem, 2.75vw, 2.5rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: #162235;
}

.section-copy--team p {
  max-width: 36rem;
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.75;
  color: #213040;
}

.team-points {
  display: grid;
  gap: 0.95rem;
  margin-top: 2rem;
}

.team-points span {
  position: relative;
  display: flex;
  align-items: center;
  gap: 0.9rem;
  padding-left: 0;
  color: #162235;
  font-size: 1rem;
  font-weight: 600;
}

.team-points span::before {
  content: "";
  flex: 0 0 1.35rem;
  width: 1.35rem;
  height: 1.35rem;
  border: 2px solid #2f7eab;
  border-radius: 50%;
}

.team-points span::after {
  content: "";
  position: absolute;
  top: 0.4rem;
  left: 0.5rem;
  width: 0.34rem;
  height: 0.7rem;
  border-right: 2px solid #2f7eab;
  border-bottom: 2px solid #2f7eab;
  transform: rotate(40deg);
}

.team-link {
  display: inline-flex;
  align-items: center;
  gap: 1rem;
  margin-top: 2.2rem;
  color: #111827;
  font-family: "Raleway", sans-serif;
  font-size: 1rem;
  font-weight: 800;
}

.team-link::before {
  content: "";
  width: 34px;
  height: 1px;
  background: #111827;
}

.dual-cards,
.program-grid,
.benefit-grid,
.review-grid,
.footer-grid {
  display: grid;
  gap: 1.5rem;
}

.dual-cards {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.dual-cards--three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 2.5rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.process-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 228px;
  padding: 2rem 1.4rem;
  text-align: center;
  background: var(--color-white);
  border: 1px solid rgba(8, 43, 85, 0.08);
  box-shadow: 0 10px 24px rgba(8, 43, 85, 0.06);
  border-radius: 12px;
}

.process-card--brand {
  background: linear-gradient(135deg, #2c7aa7, #3a56a6);
  color: var(--color-white);
}

.process-card__brandmark img {
  width: 51px;
  margin-bottom: 1.25rem;
}

.process-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  margin-bottom: 0.9rem;
  color: #1d5b91;
}

.process-card__icon svg {
  width: 45px;
  height: 45px;
  fill: currentColor;
  stroke: none;
  stroke-width: 1.65;
  stroke-linecap: round;
  stroke-linejoin: round;
  overflow: visible;
}

.process-card h3 {
  margin: 0;
  color: #101c2d;
  font-family: "Raleway", sans-serif;
  font-size: 1.375rem;
  line-height: 2rem;
  font-weight: 600;
}

.process-card--brand h3 {
  color: var(--color-white);
  font-family: "Raleway", sans-serif;
  font-size: 1.375rem;
  line-height: 2rem;
  font-weight: 600;
}

.showcase-card {
  overflow: hidden;
  border-radius: var(--radius-xl);
}

.showcase-card img {
  width: 100%;
  height: 260px;
  object-fit: cover;
}

.showcase-card__body {
  padding: 1.75rem;
}

.showcase-card h3,
.program-card h3,
.benefit-grid h3,
.region-card h3,
.region-card h4 {
  margin: 0 0 0.75rem;
  font-size: 1.12rem;
}

.showcase-card ul,
.office-list,
.site-footer ul {
  margin: 0.6rem 0 0;
  padding: 0;
  list-style: none;
}

.showcase-card li,
.office-list li,
.site-footer li {
  margin-bottom: 0.75rem;
}

.showcase-card li,
.office-list li {
  position: relative;
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  margin-bottom: 0.9rem;
  padding-left: 0;
}

.showcase-card li::before,
.office-list li::before {
  content: "";
  flex: 0 0 1.35rem;
  width: 1.35rem;
  height: 1.35rem;
  margin-top: 0.12rem;
  border: 2px solid #2f7eab;
  border-radius: 50%;
}

.showcase-card li::after,
.office-list li::after {
  content: "";
  position: absolute;
  top: 0.4rem;
  left: 0.5rem;
  width: 0.34rem;
  height: 0.7rem;
  border-right: 2px solid #2f7eab;
  border-bottom: 2px solid #2f7eab;
  transform: rotate(40deg);
}

.section-note {
  justify-content: space-between;
  gap: 1.5rem;
  margin-top: 1.8rem;
  padding: 1.4rem 1.5rem;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.74);
  border: 1px solid rgba(40, 118, 162, 0.12);
}

.section-note p {
  margin: 0;
  max-width: 760px;
}

.section-cta--center {
  display: flex;
  justify-content: center;
  margin-top: 2.25rem;
}

.categories-cta {
  min-width: 236px;
  min-height: 60px;
  padding: 0 2rem;
  justify-content: center;
  font-size: 1rem;
  border-radius: 12px;
  box-shadow: 0 16px 34px rgba(40, 118, 162, 0.2);
}

.program-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.program-card,
.review-card,
.benefit-grid article {
  border-radius: var(--radius-lg);
}

.program-card {
  position: relative;
  overflow: hidden;
  padding: 1.8rem;
}

.section-heading--difference {
  text-align: center;
}

.section-heading__logo {
  display: block;
  width: min(100%, 360px);
  margin: 0 auto 1.5rem;
}

.program-grid--difference {
  margin-top: 2.6rem;
}

.program-grid--difference .program-card {
  min-height: 265px;
  padding: 1.9rem 1.8rem 1.75rem;
  text-align: left;
  background: var(--color-white);
  border: 1px solid rgba(8, 43, 85, 0.08);
  box-shadow: 0 12px 28px rgba(8, 43, 85, 0.08);
  transition: transform 0.28s ease, box-shadow 0.28s ease, background-color 0.28s ease;
}

.program-grid--difference .program-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.12), transparent 28%),
    linear-gradient(180deg, rgba(247, 250, 253, 0), rgba(238, 245, 251, 0.7));
  opacity: 0;
  transition: opacity 0.28s ease;
  pointer-events: none;
}

.program-card::after {
  content: "";
  position: absolute;
  top: -36px;
  right: -36px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(120, 185, 222, 0.18), transparent 70%);
}

.program-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  margin-bottom: 1.35rem;
  border-radius: 18px;
  background: linear-gradient(135deg, #1c4f82, #2876a2);
  color: var(--color-white);
  font-weight: 800;
}

.program-card__icon--active {
  background: var(--color-blue);
  color: var(--color-white);
}

.program-card__icon svg {
  width: 30px;
  height: 30px;
  fill: currentColor;
  stroke: none;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.program-grid--difference .program-card::after {
  display: none;
}

.program-grid--difference .program-card h3,
.program-grid--difference .program-card p {
  position: relative;
  z-index: 1;
}

.program-grid--difference .program-card h3 {
  margin-top: 0;
  color: #13233b;
  font-size: 1.1rem;
}

.program-grid--difference .program-card p {
  margin: 0.8rem 0 0;
  max-width: none;
  color: #35506e;
}

.program-grid--difference .program-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 34px rgba(8, 43, 85, 0.14);
  background: #fdfefe;
}

.program-grid--difference .program-card:hover::before {
  opacity: 1;
}

.program-grid--difference .program-card:hover .program-card__icon {
  background: var(--color-blue);
  color: var(--color-white);
  transform: translateY(-2px);
}

.independent-card {
  position: relative;
  overflow: hidden;
  padding: 2rem;
  background:
    radial-gradient(circle at top left, rgba(120, 185, 222, 0.14), transparent 18%),
    linear-gradient(135deg, #123a67 0%, #205d8f 56%, #2e7ca8 100%);
  border-radius: var(--radius-sm);
  color: var(--color-white);
  box-shadow: 0 20px 40px rgba(8, 43, 85, 0.16);
}

.independent-card::before,
.independent-card::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.independent-card::before {
  background-image:
    linear-gradient(135deg, transparent 0 46%, rgba(255, 255, 255, 0.035) 46% 47%, transparent 47% 100%),
    linear-gradient(315deg, transparent 0 72%, rgba(255, 255, 255, 0.03) 72% 73%, transparent 73% 100%);
}

.independent-card::after {
  background-image: radial-gradient(rgba(255, 255, 255, 0.08) 1.5px, transparent 1.5px);
  background-size: 14px 14px;
  background-position: 86% 16%, 88% 72%;
  mask:
    radial-gradient(circle at 88% 14%, #000 0 56px, transparent 57px),
    radial-gradient(circle at 88% 72%, #000 0 68px, transparent 69px);
  opacity: 0.55;
}

.independent-card__logo,
.independent-card__body {
  position: relative;
  z-index: 1;
}

.independent-card__logo {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 2rem;
  padding: 1.5rem 1.25rem;
  background: var(--color-white);
}

.independent-card__logo img {
  width: min(100%, 410px);
}

.independent-card__body h3 {
  margin: 0 0 1rem;
  color: var(--color-white);
  font-size: 1.05rem;
  line-height: 1.45;
}

.independent-card__body p {
  margin: 0 0 1.25rem;
  color: rgba(255, 255, 255, 0.9);
}

.independent-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.independent-list li {
  position: relative;
  margin-bottom: 0.95rem;
  padding-left: 2.15rem;
  color: rgba(255, 255, 255, 0.94);
}

.independent-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.2rem;
  width: 0.45rem;
  height: 0.78rem;
  border-right: 3px solid var(--color-white);
  border-bottom: 3px solid var(--color-white);
  transform: rotate(40deg);
}

.independent-card__button {
  margin-top: 1.25rem;
  min-width: 260px;
  min-height: 56px;
  justify-content: center;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  box-shadow: none;
  overflow: hidden;
  padding-left: 1.4rem;
  padding-right: 1.4rem;
}

.independent-card__button span {
  display: inline-block;
  transform: translateX(0);
  transition: transform 0.28s ease;
}

.independent-card__button::after {
  content: "\2192";
  position: absolute;
  right: 1.35rem;
  top: 50%;
  font-size: 1.5rem;
  line-height: 1;
  opacity: 0;
  transform: translate(14px, -50%);
  transition: transform 0.28s ease, opacity 0.28s ease;
}

.independent-card__button:hover {
  background: #f5f8fb;
  color: #1d5b91;
}

.independent-card__button:hover span {
  transform: translateX(-0.95rem);
}

.independent-card__button:hover::after {
  opacity: 1;
  transform: translate(0, -50%);
}

.chip-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1rem;
}

.chip-list span {
  background: var(--color-sky-light);
  color: var(--color-navy);
}

.section-heading--carousel {
  text-align: center;
}

.section-heading--reviews .section-tag {
  color: #a9daf3;
}

.section-heading--reviews h2,
.section-heading--reviews p {
  color: var(--color-white);
}

.section-heading--reviews p:last-child {
  color: rgba(255, 255, 255, 0.82);
}

.carrier-carousel {
  margin-top: 2.6rem;
}

.carrier-carousel__viewport {
  overflow: hidden;
}

.carrier-carousel__track {
  position: relative;
  min-height: 110px;
  margin-bottom: 16px;
}

.carrier-slide {
  position: absolute;
  inset: 0;
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 1.35rem;
  opacity: 0;
  pointer-events: none;
  transform: translateX(4%);
  transition: opacity 0.38s ease, transform 0.38s ease;
}

.carrier-slide.is-active {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(0);
}

.carrier-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 112px;
  padding: 1rem 0.5rem;
  text-align: center;
  background: linear-gradient(180deg, #ffffff 0%, #f6fafe 100%);
  border: 1px solid rgba(40, 118, 162, 0.08);
  border-radius: var(--radius-lg);
  box-shadow: 0 12px 28px rgba(8, 43, 85, 0.08);
}

.carrier-logo--wide {
  padding-inline: 1.6rem;
}

.carrier-logo img {
  display: block;
  max-width: min(100%, 250px);
  max-height: 85px;
  width: auto;
  height: auto;
  object-fit: contain;
}

.carrier-carousel__dots {
  display: flex;
  justify-content: center;
  gap: 0.85rem;
  margin-top: 2rem;
}

.carrier-dot {
  width: 14px;
  height: 14px;
  border: 0;
  border-radius: 50%;
  background: rgba(8, 43, 85, 0.18);
  cursor: pointer;
  transition: transform 0.24s ease, background-color 0.24s ease;
}

.carrier-dot.is-active {
  transform: scale(1.1);
  background: var(--color-blue);
}

.benefit-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.benefit-grid article {
  padding: 1.8rem;
}

.benefit-grid h3 {
  font-size: 1.12rem;
}

.review-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}

.review-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding: 1.9rem 1.75rem 1.7rem;
  background: var(--color-white);
  border: 1px solid rgba(8, 43, 85, 0.08);
  border-radius: var(--radius-lg);
  box-shadow: 0 12px 28px rgba(8, 43, 85, 0.08);
}

.review-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 28px;
  height: 24px;
  background: rgba(40, 118, 162, 0.14);
  border-radius: 0 0 24px 0;
}

.stars {
  margin-bottom: 1.15rem;
  color: var(--color-blue);
  font-size: 1.25rem;
  letter-spacing: 0.18em;
}

.review-card blockquote {
  margin: 0;
  color: #334b67;
  font-size: 0.99rem;
  line-height: 1.65;
  padding-bottom: 1.55rem;
  border-bottom: 1px solid rgba(8, 43, 85, 0.08);
  flex: 1;
}

.review-card__footer {
  display: flex;
  align-items: center;
  gap: 0.95rem;
  padding-top: 1.35rem;
}

.review-card__avatar {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-blue), #3f92c0);
  color: var(--color-white);
  font-weight: 800;
  font-size: 1rem;
}

.review-card__meta {
  display: grid;
  gap: 0.15rem;
}

.review-card__author {
  margin: 0;
  color: var(--color-navy);
  font-size: 1rem;
  font-weight: 700;
}

.review-card__role {
  margin: 0;
  color: var(--color-blue);
  font-size: 0.95rem;
}

.section-heading--policy {
  text-align: center;
}

.split--policy {
  grid-template-columns: 1.02fr 0.98fr;
  align-items: center;
  gap: 2.25rem;
  margin-bottom: 2.4rem;
}

.section-copy--policy {
  max-width: 40rem;
}

.section-copy--policy h2 {
  max-width: none;
  white-space: nowrap;
}

.section-copy--policy .button {
  margin-top: 0.85rem;
}

.policy-visual {
  overflow: hidden;
  border-radius: var(--radius-lg);
  box-shadow: 0 18px 38px rgba(8, 43, 85, 0.12);
}

.policy-visual img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
}

.policy-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}

.policy-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  min-height: 250px;
  padding: 2rem 1.6rem 1.85rem;
  text-align: center;
  background: linear-gradient(180deg, #ffffff 0%, #f7fbfe 100%);
  border: 1px solid rgba(40, 118, 162, 0.1);
  border-radius: var(--radius-lg);
  box-shadow: 0 14px 30px rgba(8, 43, 85, 0.08);
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease, background 0.28s ease;
}

.policy-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.16), transparent 24%),
    linear-gradient(180deg, rgba(120, 185, 222, 0), rgba(120, 185, 222, 0.08));
  opacity: 0;
  transition: opacity 0.28s ease;
}

.policy-card:hover {
  transform: translateY(-6px);
  border-color: rgba(40, 118, 162, 0.28);
  box-shadow: 0 18px 34px rgba(8, 43, 85, 0.14);
  background: #fdfefe;
}

.policy-card:hover::before {
  opacity: 1;
}

.policy-card__icon,
.policy-card h3,
.policy-card p {
  position: relative;
  z-index: 1;
}

.policy-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  margin: 0 auto 1.25rem;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--color-blue), #3f92c0);
  color: var(--color-white);
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}

.policy-card:hover .policy-card__icon {
  transform: translateY(-2px);
  box-shadow: 0 14px 24px rgba(40, 118, 162, 0.24);
}

.policy-card__icon svg {
  width: 34px;
  height: 34px;
  fill: currentColor;
  stroke: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.policy-card h3 {
  margin: 0 0 0.75rem;
  color: var(--color-navy);
  font-size: 1.1rem;
}

.policy-card p {
  margin: 0;
  color: #35506e;
  max-width: 28ch;
}

.policy-card:hover h3 {
  color: var(--color-navy);
}

.policy-card:hover p {
  color: #35506e;
}

.cta {
  position: relative;
  overflow: hidden;
  padding: 6.5rem 0 7rem;
  background: linear-gradient(180deg, #eef7fd 0%, #e6f2fb 100%);
  color: var(--color-ink);
}

.cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(40, 118, 162, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(40, 118, 162, 0.04) 1px, transparent 1px);
  background-size: 52px 52px;
  opacity: 0.3;
}

.cta__shell {
  position: relative;
  z-index: 1;
}

.cta.contact-form {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at top left, rgba(120, 185, 222, 0.22), transparent 30%),
    linear-gradient(180deg, #f4f9fd 0%, #e7f1fb 100%);
}

.cta.contact-form::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(40, 118, 162, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(40, 118, 162, 0.05) 1px, transparent 1px);
  background-size: 56px 56px;
  opacity: 0.45;
  pointer-events: none;
}

.cta__panel {
  display: grid;
  grid-template-columns: minmax(280px, 0.72fr) minmax(0, 1.28fr);
  align-items: center;
  gap: 1.5rem;
}

.cta__steps {
  position: relative;
  padding: 2.4rem 1.2rem 2.4rem 0.4rem;
  color: var(--color-navy);
  background: transparent;
  border-radius: 0;
  box-shadow: none;
  overflow: visible;
}

.cta__steps > * {
  position: relative;
  z-index: 1;
}

.cta__steps .section-tag--light {
  color: var(--color-blue);
  margin-bottom: 0.9rem;
}

.cta__steps h2 {
  color: var(--color-navy);
  margin-bottom: 2.15rem;
  max-width: none;
  white-space: nowrap;
  text-shadow: none;
}

.cta-step-list {
  display: grid;
  justify-items: start;
  gap: 1rem;
}

.cta-step {
  display: grid;
  grid-template-columns: 54px 1fr;
  align-items: center;
  gap: 1.15rem;
  width: 100%;
  padding: 0.95rem 1rem 0.95rem 0.95rem;
  border: 1px solid rgba(120, 185, 222, 0.22);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(6px);
}

.cta-step-list__line {
  width: 2px;
  height: 44px;
  margin-left: 26px;
  background: linear-gradient(180deg, rgba(40, 118, 162, 0.16), rgba(40, 118, 162, 0.58));
}

.cta-step__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  border: 2px solid rgba(40, 118, 162, 0.22);
  border-radius: 14px;
  background: linear-gradient(135deg, #3a93c3, #0f4b7a);
  color: var(--color-white);
  box-shadow: 0 ;
}

.cta-step__icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.cta-step__copy {
  display: grid;
  gap: 0.18rem;
}

.cta-step__label {
  color: var(--color-blue);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.cta-step__copy p {
  margin: 0;
  color: #35506e;
  font-size: 1rem;
}

.cta__form-wrap {
  margin-left: auto;
  width: min(100%, 860px);
}

.cta__form-card {
  position: relative;
  padding: 1.7rem 1.8rem 1.8rem;
  background: #ffffff;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(214, 227, 239, 0.95);
  border-top: 4px solid var(--color-blue);
  border-radius: 30px 30px 0 0;
  box-shadow: 0 26px 54px rgba(8, 43, 85, 0.2);
}

.cta__form-card::before {
  display: none;
}

.cta h3 {
  position: relative;
  margin: 0 0 1.35rem;
  color: var(--color-navy);
  line-height: 1.08;
  font-size: clamp(2rem, 2.5vw, 2.5rem);
  letter-spacing: -0.03em;
}

.quote-form {
  display: grid;
  gap: 0.8rem;
}

.quote-form__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.8rem;
}

.quote-field {
  display: block;
}

.quote-field input,
.quote-field textarea {
  width: 100%;
  border: 1px solid rgba(95, 149, 186, 0.35);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.88);
  color: #16314f;
  font: inherit;
  transition: border-color 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease, transform 0.25s ease;
}

.quote-field input {
  min-height: 52px;
  padding: 0 1.05rem;
}

.quote-field textarea {
  resize: vertical;
  min-height: 110px;
  padding: 0.95rem 1.05rem;
}

.quote-field input::placeholder,
.quote-field textarea::placeholder {
  color: #627891;
}

.quote-field input:focus,
.quote-field textarea:focus {
  outline: none;
  background: rgba(255, 255, 255, 0.98);
  border-color: rgba(40, 118, 162, 0.6);
  box-shadow: 0 0 0 4px rgba(120, 185, 222, 0.16);
  transform: translateY(-1px);
}

.quote-form__note {
  margin: -0.1rem 0 0;
  padding: 0.78rem 1rem;
  border-radius: 14px;
  background: rgba(232, 242, 250, 0.92);
  color: #58708a;
  font-size: 0.92rem;
  font-style: italic;
}

.quote-form__submit {
  justify-self: start;
  min-width: 116px;
}

.cta__contact-strip {
  padding: 1rem 1.8rem;
  background: linear-gradient(135deg, rgba(241, 247, 252, 0.96), rgba(228, 239, 249, 0.9));
  color: var(--color-navy);
  text-align: center;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(194, 223, 243, 0.68);
  border-top: 0;
  border-radius: 0 0 30px 30px;
  box-shadow: 0 16px 32px rgba(8, 43, 85, 0.08);
}

.cta__contact-strip a {
  color: var(--color-blue);
  text-decoration: underline;
  text-underline-offset: 0.16em;
}

.agency-value {
  position: relative;
  padding: 4.6rem 0 5rem;
  background:
    radial-gradient(circle at top left, rgba(120, 185, 222, 0.1), transparent 0%),
    linear-gradient(180deg, #ffffff 0%, #f2f8fd 100%);
}

.agency-value__grid {
  display: grid;
  grid-template-columns: minmax(360px, 0.92fr) minmax(0, 1.08fr);
  gap: 2.5rem;
  align-items: start;
}

.agency-value__feature {
  display: grid;
  gap: 1rem;
  grid-column: 1;
  margin-left: 0;
  justify-self: stretch;
}

.agency-value__info-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 350px;
  padding: 1.75rem 1.75rem 1.9rem;
  border-radius: 28px;
  box-shadow: 0 0 20px rgba(8, 43, 85, 0.05);
  background: #fff;
}

.agency-value__info-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 28px;
  background:
    radial-gradient(circle at top right, rgba(120, 185, 222, 0.01), transparent 34%);
  pointer-events: none;
}

.agency-value__info-head {
  margin-bottom: 1rem;
}

.agency-value__info-card h3 {
  margin: 0;
  color: var(--color-navy);
  font-size: clamp(1.35rem, 2vw, 1.65rem);
  line-height: 1.1;
}

.agency-value__office-links {
  display: grid;
  gap: 0.7rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(8, 43, 85, 0.1);
  position: relative;
  z-index: 1;
}

.agency-value__office-links a,
.agency-value__contact-grid a {
  color: var(--color-blue);
  font-size: 1.25rem;
  line-height: 1.45;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.16em;
  font-weight: 600;
}

.agency-value__contact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem 1rem;
  padding: 1rem 0 0.8rem;
  position: relative;
  z-index: 1;
}

.agency-value__social {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin: 0.15rem 0 1rem;
  position: relative;
  z-index: 1;
}

.agency-value__social a {
  width: 26px;
  height: 26px;
  color: var(--color-blue);
}

.agency-value__social svg {
  width: 100%;
  height: 100%;
  fill: currentColor;
  stroke: none;
}

.agency-value__social a:first-child svg {
  fill: currentColor;
  stroke: none;
}

.agency-value__county-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.agency-value__county-tags span {
  display: inline-flex;
  align-items: center;
  padding: 0.45rem 0.78rem;
  border-radius: 999px;
  background: rgba(255, 145, 31, 0.12);
  color: #d97200;
  font-size: 0.82rem;
  font-weight: 700;
}

.agency-value__content {
  grid-column: 2;
  max-width: 610px;
  padding-top: 0.35rem;
  justify-self: stretch;
}

.agency-value__content h2 {
  margin: 0 0 1rem;
  color: var(--color-navy);
  font-size: clamp(1.8rem, 2.75vw, 2.5rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.agency-value__content > p {
  margin: 0 0 1rem;
  color: #334c68;
  font-size: 1rem;
  line-height: 1.66;
}

.agency-value__licensed {
  margin-bottom: 1.35rem;
  color: var(--color-navy);
  font-size: 0.95rem;
  font-weight: 700;
}

.agency-value__cta {
  min-width: 210px;
}

.site-footer {
  background: #071e39;
  color: rgba(255, 255, 255, 0.82);
}

.footer-grid {
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  padding: 4rem 0 2.6rem;
}

.footer-brand img {
  width: 60px;
  margin-bottom: 1rem;
}

.site-footer h3 {
  margin: 0 0 1rem;
  color: var(--color-white);
  font-size: 1.1rem;
}

.site-footer ul {
  margin: 0;
}

.site-footer li {
  margin-bottom: 0.65rem;
}

.site-footer a:hover {
  color: #a9daf3;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-bottom__inner {
  min-height: 70px;
  gap: 1rem;
  font-size: 0.95rem;
}

@media (max-width: 1080px) {
  .cta__panel {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .cta__steps {
    padding: 1.4rem 0 0.8rem;
  }

  .cta__steps h2 {
    max-width: none;
    white-space: normal;
  }

  .cta__form-wrap {
    width: 100%;
  }

  .agency-value {
    padding: 4.5rem 0 5rem;
  }

  .agency-value__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .agency-value__content {
    max-width: none;
    grid-column: auto;
    justify-self: stretch;
  }

  .agency-value__feature {
    order: 2;
    margin-left: 0;
    grid-column: auto;
    justify-self: stretch;
  }

  .agency-value__content {
    order: 1;
  }

  .agency-value__image-card img {
    height: 300px;
  }

  .section-copy--policy h2 {
    white-space: normal;
  }

  .process-grid,
  .dual-cards--three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .split--policy {
    grid-template-columns: 1fr;
  }

  .policy-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .carrier-slide {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .carrier-carousel__track {
    min-height: 250px;
  }

  .hero__slides {
    min-height: 240px;
  }

  .hero h1 {
    font-size: clamp(2.45rem, 5vw, 4.6rem);
    max-width: 640px;
  }

  .hero-cards__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .split--feature,
  .split--map,
  .benefit-grid,
  .review-grid,
  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .program-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 860px) {
  :root {
    --header-height: 76px;
  }

  .topbar {
    display: none;
  }

  .hero,
  .hero__content {
    min-height: auto;
  }

  .hero__content {
    padding: 8rem 0 7rem;
  }

  .hero__slides {
    min-height: 210px;
  }

  .hero h1 {
    font-size: clamp(2.2rem, 7vw, 3.8rem);
    max-width: 100%;
  }

  .hero p {
    max-width: 100%;
    font-size: 1.05rem;
  }

  .hero__curve {
    height: 150px;
  }

  .hero-cards {
    margin-top: -10px;
  }


  .menu-toggle {
    display: inline-block;
  }

  .site-nav {
    position: absolute;
    top: calc(100% + 1px);
    left: 1rem;
    right: 1rem;
    display: grid;
    gap: 0.4rem;
    padding: 1rem;
    background: rgba(255, 255, 255, 0.98);
    border: 1px solid rgba(8, 43, 85, 0.08);
    border-radius: 20px;
    box-shadow: 0 20px 42px rgba(8, 43, 85, 0.12);
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: 0.25s ease;
  }

  .site-nav.is-open {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .site-nav a {
    padding: 0.75rem 0.5rem;
  }

  .hero-cards__grid {
    grid-template-columns: 1fr;
  }

  .hero-card {
    min-height: 240px;
    border-width: 14px;
  }


  .dual-cards,
  .dual-cards--three,
  .quote-form__grid,
  .split--feature,
  .split--map,
  .split--policy,
  .process-grid,
  .program-grid,
  .policy-grid,
  .benefit-grid,
  .review-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .section-note,
  .footer-bottom__inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .cta {
    padding: 5rem 0 5.5rem;
    background: linear-gradient(180deg, #eef7fd 0%, #e6f2fb 100%);
  }

  .cta::before {
    inset: 0;
  }

  .cta h3 {
    font-size: clamp(1.8rem, 6vw, 2.35rem);
  }

  .cta__form-card,
  .cta__contact-strip {
    padding-left: 1.35rem;
    padding-right: 1.35rem;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(calc(100% - 1.25rem), var(--container));
  }

  .section {
    padding: 4.5rem 0;
  }

  .hero__content {
    padding-top: 7rem;
    padding-bottom: 5.5rem;
  }

  .eyebrow {
    font-size: 0.82rem;
    line-height: 1.3;
  }

  .hero h1 {
    font-size: clamp(2rem, 10vw, 3rem);
    line-height: 1.02;
    max-width: 100%;
  }

  .hero p {
    font-size: 1rem;
  }

  .hero__curve {
    height: 115px;
  }

  .carrier-slide {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .carrier-carousel__track {
    min-height: 360px;
  }

  .carrier-logo {
    min-height: 88px;
  }

  .carrier-logo img {
    max-height: 58px;
  }

  .policy-visual img {
    min-height: 280px;
  }

  .hero-cards {
    margin-top: 0;
    padding-bottom: 2rem;
  }


  .hero__slides {
    min-height: 210px;
  }

  .hero__actions,
  .hero__actions .button {
    width: 100%;
  }

  .hero__actions .button {
    justify-content: center;
    min-height: 56px;
    border-radius: 12px;
  }

  .cta__steps h2 {
    margin-bottom: 1.5rem;
  }

  .cta-step {
    grid-template-columns: 46px 1fr;
    gap: 0.9rem;
  }

  .cta-step__icon {
    width: 46px;
    height: 46px;
  }

  .cta-step-list__line {
    height: 32px;
    margin-left: 22px;
  }

  .cta__form-card {
    padding-top: 1.5rem;
    padding-bottom: 1.6rem;
  }

  .agency-value__info-card {
    padding: 1.75rem 1.4rem 1.9rem;
  }

  .agency-value__contact-grid {
    grid-template-columns: 1fr;
  }

  .agency-value__social {
    flex-wrap: wrap;
    gap: 0.85rem;
  }

  .agency-value__content h2 {
    font-size: clamp(1.85rem, 8vw, 2.5rem);
  }

  .quote-field input {
    min-height: 56px;
  }

  .quote-field textarea {
    min-height: 128px;
  }

  .showcase-card img,
  .region-card__image img {
    height: 220px;
  }
  .site-footer {
    padding: 0 0.75rem;
  }
}

.site-nav__item--mega {
  position: relative;
  display: flex;
  align-items: center;
  padding-bottom: 0.85rem;
  margin-bottom: -0.85rem;
}

.site-nav__item--mega::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 0.9rem;
}

.site-nav__trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--color-copy);
  font: inherit;
  font-weight: 700;
  cursor: pointer;
  transition: color 0.25s ease;
}

.site-nav__trigger:hover,
.site-nav__trigger[aria-expanded="true"] {
  color: var(--color-blue);
}

.site-nav__trigger::after {
  content: "";
  width: 0.5rem;
  height: 0.5rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.25s ease;
}

.site-nav__item--mega.is-open .site-nav__trigger::after {
  transform: rotate(-135deg) translateY(-1px);
}

.site-nav__item--mega--right .mega-therapy {
  left: auto;
  right: 0;
  transform: translateY(10px);
}

.site-nav__item--mega--right:hover .mega-therapy,
.site-nav__item--mega--right:focus-within .mega-therapy,
.site-nav__item--mega--right.is-open .mega-therapy {
  transform: translateY(0);
}

.mega-therapy {
  position: absolute;
  top: calc(100% + 0.1rem);
  left: 50%;
  width: min(875px, calc(100vw - 2rem));
  padding: 0.85rem;
  border: 1px solid rgba(8, 43, 85, 0.08);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 20px 50px rgba(8, 43, 85, 0.14);
  opacity: 0;
  visibility: hidden;
  transform: translateX(-38%) translateY(10px);
  pointer-events: none;
  transition: opacity 0.24s ease, transform 0.24s ease, visibility 0.24s ease;
  z-index: 30;
}

.site-nav__item--mega:hover .mega-therapy,
.site-nav__item--mega:focus-within .mega-therapy,
.site-nav__item--mega.is-open .mega-therapy {
  opacity: 1;
  visibility: visible;
  transform: translateX(-38%) translateY(0);
  pointer-events: auto;
}

.site-nav__item--mega:hover .site-nav__trigger,
.site-nav__item--mega:focus-within .site-nav__trigger {
  color: var(--color-blue);
}

.site-nav__item--mega:hover .site-nav__trigger::after,
.site-nav__item--mega:focus-within .site-nav__trigger::after,
.site-nav__item--mega.is-open .site-nav__trigger::after {
  transform: rotate(-135deg) translateY(-1px);
}

.mega-therapy__shell {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.35fr);
  grid-template-areas:
    "personal business"
    "industry thumb";
  gap: 0.8rem;
  align-items: stretch;
}

.mega-therapy__nav {
  display: contents;
}

.mega-therapy__group {
  padding: 0.55rem 0.7rem 0.7rem;
  border-radius: 16px;
  background: #fff;
  border: 1px solid rgba(120, 185, 222, 0.22);
}

.mega-therapy--simple {
  width: min(720px, calc(100vw - 2.5rem));
  max-width: min(720px, calc(100vw - 2.5rem));
  left: 50%;
  right: auto;
  transform: translateX(-50%) translateY(10px);
}

.site-nav__item--mega:hover .mega-therapy--simple,
.site-nav__item--mega:focus-within .mega-therapy--simple,
.site-nav__item--mega.is-open .mega-therapy--simple {
  transform: translateX(-50%) translateY(0);
}

.mega-therapy__shell--simple {
  grid-template-columns: minmax(0, 1fr) 305px;
  grid-template-areas:
    "simple-content simple-promo";
  gap: 1rem;
  align-items: stretch;
}

.mega-therapy__group--simple {
  position: relative;
  padding: 1.15rem 1.2rem 1.25rem;
  border: 1px solid rgba(120, 185, 222, 0.22);
  border-radius: 16px;
  background: #fff;
  z-index: 1;
}

.mega-therapy__group--simple h3 {
  margin: 0 0 1rem;
  font-size: 0.98rem;
  line-height: 1.2;
  color: var(--color-navy);
}

.mega-therapy__group--simple .mega-therapy__group-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  margin-bottom: 1rem;
  font-size: 0.98rem;
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-navy);
}

.mega-therapy__group:nth-child(1) {
  grid-area: personal;
}

.mega-therapy__group:nth-child(2) {
  grid-area: business;
}

.mega-therapy__group:nth-child(3) {
  grid-area: industry;
}

.mega-therapy__group h3 {
  margin: 0 0 0.45rem;
  font-size: 1rem;
  line-height: 1.2;
  color: var(--color-navy);
}

.mega-therapy__group-trigger {
  display: block;
  width: 100%;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--color-navy);
  text-align: left;
  font: inherit;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.2;
  cursor: default;
}

.mega-therapy__links {
  display: grid;
  gap: 0.25rem;
}

.mega-therapy__links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 38px;
  padding: 0.45rem 0.55rem;
  border-radius: 10px;
  color: var(--color-navy);
  font-size: 0.86rem;
  line-height: 1.25;
  transition: background 0.2s ease, color 0.2s ease;
}

.mega-therapy__links a::after {
  content: "+";
  color: var(--color-blue);
  font-size: 1.1rem;
  font-weight: 700;
  line-height: 1;
}

.mega-therapy__links a:hover {
  color: var(--color-blue);
  background: rgba(120, 185, 222, 0.14);
}

.mega-therapy__links--plain {
  gap: 0.45rem;
}

.mega-therapy__links--plain a {
  min-height: 0;
  padding: 0;
  border-radius: 0;
  background: transparent;
  justify-content: flex-start;
  color: var(--color-navy);
  font-size: 0.9rem;
  line-height: 1.4;
}

.mega-therapy__links--plain a::after {
  display: none;
}

.mega-therapy__links--plain a:hover {
  background: transparent;
  color: var(--color-blue);
}

.mega-therapy__promo {
  position: relative;
  grid-area: thumb;
  overflow: hidden;
  border-radius: 16px;
  border: 1px solid rgba(120, 185, 222, 0.2);
  background: #f3f8fb;
  min-height: 250px;
  max-height: 250px;
  transition: box-shadow 0.25s ease, border-color 0.25s ease;
}

.mega-therapy__promo--simple {
  height: 100%;
  min-height: 100%;
  max-height: none;
  align-self: stretch;
}

.mega-therapy__promo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.35s ease, filter 0.35s ease;
}

.mega-therapy__promo--simple img {
  height: 100%;
  min-height: 0;
}

.mega-therapy__promo-copy {
  position: absolute;
  inset: auto 0 0 0;
  padding: 0.85rem 0.75rem 0.8rem;
  text-align: center;
  background: linear-gradient(180deg, rgba(8, 43, 85, 0.03), rgba(8, 43, 85, 0.82));
  transition: background 0.25s ease;
}

.mega-therapy__promo-copy h3 {
  margin: 0 0 0.3rem;
  font-size: 0.88rem;
  line-height: 1.2;
  color: var(--color-white);
}

.mega-therapy__promo-copy p {
  margin: 0 0 0.65rem;
  color: rgba(255, 255, 255, 0.84);
  font-size: 0.75rem;
  line-height: 1.35;
}

.mega-therapy__promo-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 0 1rem;
  border-radius: 12px;
  border: 2px solid transparent;
  background: linear-gradient(135deg, var(--color-blue), #3f92c0);
  color: var(--color-white);
  font-size: 0.8rem;
  font-weight: 700;
  box-shadow: 0 12px 24px rgba(40, 118, 162, 0.28);
  transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

.mega-therapy__promo:hover,
.mega-therapy__promo:focus-within {
  border-color: rgba(120, 185, 222, 0.42);
  box-shadow: 0 18px 36px rgba(8, 43, 85, 0.18);
}

.mega-therapy__promo:hover img,
.mega-therapy__promo:focus-within img {
  transform: scale(1.04);
  filter: saturate(1.08) contrast(1.03);
}

.mega-therapy__promo:hover .mega-therapy__promo-copy,
.mega-therapy__promo:focus-within .mega-therapy__promo-copy {
  background: linear-gradient(180deg, rgba(8, 43, 85, 0.02), rgba(8, 43, 85, 0.92));
}

.mega-therapy__promo:hover .mega-therapy__promo-link,
.mega-therapy__promo:focus-within .mega-therapy__promo-link,
.mega-therapy__promo-link:hover,
.mega-therapy__promo-link:focus-visible {
  background: linear-gradient(135deg, var(--color-blue), #3f92c0);
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: 0 16px 30px rgba(40, 118, 162, 0.34);
}

.mega-therapy__promo-link:hover {
  color: var(--color-white);
}

.mega-therapy__promo--simple .mega-therapy__promo-link {
  display: none;
}

.mega-therapy__promo--simple .mega-therapy__promo-copy {
  padding: 1.2rem 1.05rem 1.2rem;
}

.mega-therapy__info {
  display: grid;
  gap: 1.2rem;
}

.mega-therapy__shell--simple > .mega-therapy__group--simple {
  grid-area: simple-content;
}

.mega-therapy__shell--simple > .mega-therapy__promo--simple {
  grid-area: simple-promo;
}

.mega-therapy__group--simple .mega-therapy__links--plain a,
.mega-therapy__group--simple .mega-therapy__info-block h4,
.mega-therapy__group--simple .mega-therapy__info-block p,
.mega-therapy__group--simple .mega-therapy__info .mega-therapy__links--plain a {
  color: var(--color-navy);
}

.mega-therapy__group--simple .mega-therapy__links--plain a {
  min-height: 38px;
  padding: 0.45rem 0.55rem;
  border-radius: 10px;
  line-height: 1.35;
}

.mega-therapy__group--simple .mega-therapy__links--plain a:hover,
.mega-therapy__group--simple .mega-therapy__info .mega-therapy__links--plain a:hover {
  color: var(--color-blue);
  background: rgba(120, 185, 222, 0.14);
}

.mega-therapy__group--simple .mega-therapy__info-block {
  padding: 0.3rem 0.55rem 0.45rem;
  border-radius: 10px;
}

.mega-therapy__info-block h4 {
  margin: 0 0 0.6rem;
  font-family: "Raleway", sans-serif;
  font-size: 0.98rem;
  color: var(--color-navy);
}

.mega-therapy__info-block p {
  margin: 0 0 0.5rem;
  color: var(--color-copy);
  font-size: 0.93rem;
  line-height: 1.45;
}

@media (max-width: 1180px) {
  .mega-therapy {
    width: min(900px, calc(100vw - 2rem));
    transform: translateX(-38%) translateY(10px);
  }

  .site-nav__item--mega.is-open .mega-therapy {
    transform: translateX(-38%) translateY(0);
  }

  .mega-therapy__shell {
    grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.2fr);
  }

  .mega-therapy__shell--simple {
    grid-template-columns: minmax(0, 1fr) 280px;
    grid-template-areas:
      "simple-content simple-promo";
  }

  .mega-therapy__promo {
    min-height: 230px;
    max-height: 230px;
  }

  .mega-therapy__promo--simple {
    height: 100%;
    min-height: 100%;
    max-height: none;
  }
}

@media (max-width: 1024px) {
  .site-header {
    backdrop-filter: none;
  }

  .menu-toggle {
    display: inline-block;
  }

  .mega-therapy {
    width: min(760px, calc(100vw - 2rem));
    transform: translateX(-36%) translateY(10px);
  }

  .mega-therapy--simple {
    width: 100%;
    max-width: none;
    left: auto;
    right: auto;
    transform: none;
  }

  .site-nav__item--mega.is-open .mega-therapy {
    transform: translateX(-36%) translateY(0);
  }

  .site-nav__item--mega.is-open .mega-therapy--simple {
    transform: none;
  }

  .mega-therapy__nav {
    display: contents;
  }

  .mega-therapy__shell {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    grid-template-areas:
      "personal business"
      "industry thumb";
  }

  .mega-therapy__shell--simple {
    grid-template-columns: minmax(0, 1fr) 265px;
    grid-template-areas:
      "simple-content simple-promo";
  }
}

@media (max-width: 1024px) {
  .site-nav__item--mega {
    width: 100%;
    flex-direction: column;
    align-items: stretch;
    padding-bottom: 0;
    margin-bottom: 0;
  }

  .site-nav__trigger {
    width: 100%;
    justify-content: space-between;
    min-height: 66px;
    padding: 0;
    color: var(--color-blue);
    border-bottom: 1px solid rgba(8, 43, 85, 0.08);
    font-size: 1rem;
    font-weight: 700;
  }

  .mega-therapy {
    position: static;
    width: 100%;
    margin-top: 0;
    padding: 0;
    border: 0;
    border-radius: 0;
    background: transparent;
    box-shadow: none;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
    pointer-events: auto;
  }

  .site-nav__item--mega.is-open .mega-therapy {
    display: block;
    transform: none;
  }

  .site-nav__item--mega:hover .mega-therapy,
  .site-nav__item--mega:focus-within .mega-therapy {
    display: none;
    opacity: 1;
    visibility: visible;
  }

  .site-nav__item--mega.is-open:hover .mega-therapy,
  .site-nav__item--mega.is-open:focus-within .mega-therapy {
    display: block;
  }

  .site-nav__item--mega::after {
    display: none;
  }

  .mega-therapy__shell,
  .mega-therapy__nav {
    display: block;
  }

  .mega-therapy__shell {
    grid-template-columns: none;
    grid-template-areas: none;
    gap: 0;
  }

  .mega-therapy__shell--simple {
    display: block;
    width: 100%;
  }

  .mega-therapy__promo {
    min-height: auto;
    max-height: none;
    border: 0;
    border-radius: 0;
    background: transparent;
  }

  .mega-therapy__promo img {
    display: none;
  }

  .mega-therapy__promo-copy {
    position: static;
    padding: 1rem 0 1.05rem 1.5rem;
    text-align: left;
    background: transparent;
    border-bottom: 1px solid rgba(8, 43, 85, 0.08);
  }

  .mega-therapy__promo-copy h3 {
    margin: 0 0 0.55rem;
    color: #4d5e73;
    font-size: 0.98rem;
    font-weight: 700;
  }

  .mega-therapy__promo-copy p {
    margin-bottom: 0;
    color: var(--color-copy);
    font-size: 0.86rem;
    line-height: 1.5;
  }

  .mega-therapy__promo-link {
    display: none;
  }

  .mega-therapy__group {
    padding: 0 0 0 1.25rem;
    border: 0;
    border-radius: 0;
    background: transparent;
    border-bottom: 1px solid rgba(8, 43, 85, 0.08);
  }

  .mega-therapy__group--simple {
    padding: 0 0 0 1.25rem;
    width: 100%;
  }

  .mega-therapy__group--simple h3 {
    display: none;
  }

  .mega-therapy__group-trigger {
    display: flex;
    align-items: center;
    justify-content: space-between;
    position: relative;
    width: 100%;
    min-height: 62px;
    padding: 0;
    color: #4d5e73;
    font-size: 0.98rem;
    font-weight: 700;
    cursor: pointer;
  }

  .mega-therapy__group--simple .mega-therapy__group-trigger {
    width: 100%;
    margin-right: 0;
    padding-right: 2rem;
  }

  .mega-therapy__group-trigger::after {
    content: "";
    position: absolute;
    top: 50%;
    right: 0;
    width: 0.55rem;
    height: 0.55rem;
    border-right: 2px solid currentColor;
    border-bottom: 2px solid currentColor;
    transform: translateY(-50%) rotate(45deg);
    transition: transform 0.2s ease;
  }

  .mega-therapy__group.is-open .mega-therapy__group-trigger::after {
    transform: translateY(-50%) rotate(-135deg);
  }

  .mega-therapy__links {
    display: none;
    gap: 0;
    padding: 0 0 0.85rem;
  }

  .mega-therapy__group.is-open .mega-therapy__links {
    display: grid;
  }

  .mega-therapy__info {
    display: none;
    gap: 0.9rem;
    padding: 0 0 1rem 2rem;
  }

  .mega-therapy__group.is-open .mega-therapy__info {
    display: grid;
  }

  .mega-therapy__links a {
    min-height: 54px;
    padding: 0 0 0 2rem;
    border-radius: 0;
    background: transparent;
    color: #4d5e73;
    font-size: 0.94rem;
    font-weight: 600;
  }

  .mega-therapy__links a:hover {
    background: transparent;
  }

  .mega-therapy__links a::after {
    display: none;
  }

  .mega-therapy__links--plain {
    gap: 0;
    padding: 0 0 0.9rem;
  }

  .mega-therapy__links--plain a {
    min-height: 54px;
    padding: 0 0 0 2rem;
    color: #4d5e73;
    font-size: 0.94rem;
    font-weight: 600;
  }

  .mega-therapy__info-block h4 {
    margin-bottom: 0.35rem;
    font-size: 0.95rem;
  }

  .mega-therapy__info-block p {
    font-size: 0.88rem;
  }

  .site-nav {
    position: fixed;
    top: calc(var(--header-height) + 48px);
    left: 0;
    right: 0;
    bottom: 0;
    display: none;
    gap: 0;
    padding: 0 1.8rem 1.5rem;
    background: #ffffff;
    border: 0;
    border-radius: 0;
    box-shadow: none;
    overflow-y: auto;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: none;
    z-index: 45;
    isolation: isolate;
  }

  .site-nav::before {
    display: none;
  }

  .site-nav > * {
    position: relative;
    z-index: 1;
  }

  .site-nav.is-open {
    display: block;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: none;
  }

  .site-nav > a,
  .site-nav__item--mega,
  .site-nav__phone,
  .site-nav .button {
    padding-left: 0;
    padding-right: 0;
  }

  .site-nav > a,
  .site-nav__phone {
    min-height: 62px;
    display: flex;
    align-items: center;
    padding-top: 0;
    padding-bottom: 0;
    justify-content: flex-start;
    margin-left: 0;
    color: #4d5e73;
    font-size: 0.98rem;
    font-weight: 700;
    border-bottom: 1px solid rgba(8, 43, 85, 0.08);
  }

  .site-nav .button {
    margin-top: 1rem;
    max-width: 220px;
    min-height: 50px;
    padding: 0 1.2rem;
    justify-content: center;
    border-radius: 16px;
    color: var(--color-white) !important;
  }
}

@media (max-width: 860px) {
  .site-nav {
    top: var(--header-height);
    padding-left: 1.2rem;
    padding-right: 1.2rem;
  }
}