/* =====================================================================
   Insurance rate-check landing — "fresh fintech" light theme.
   Flexbox layout, design tokens in :root, mobile-first breakpoints.
   ===================================================================== */
:root {
    --bg: #F4F6FB;
    --surface: #FFFFFF;
    --ink: #0B1F4B;
    --ink-2: #2B3A5C;
    --muted: #64718F;
    --line: #E2E7F1;
    --brand: #153292;
    --brand-deep: #0B1F4B;
    --accent: #17B26A;
    --accent-dark: #0E8F53;
    --accent-soft: #E6F8EE;
    --accent-ink: #0A6B3D;
    --red: #E5484D;
    --red-soft: #FDECEC;
    --radius: 24px;
    --radius-s: 14px;
    --shadow: 0 24px 60px -24px rgba(11, 31, 75, .28);
    --shadow-s: 0 10px 28px -14px rgba(11, 31, 75, .22);
    --font-display: 'Bricolage Grotesque', 'Segoe UI', system-ui, sans-serif;
    --font-body: 'Figtree', 'Segoe UI', system-ui, sans-serif;
    --container: 1140px;
    --gutter: 24px;
    --topbar-h: 72px;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 17px;
    line-height: 1.6;
    color: var(--ink-2);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
img, svg, picture { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p, ul, ol, figure { margin: 0; }
ul, ol { padding: 0; list-style: none; }
s { text-decoration: none; }
mark { background: none; color: inherit; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 6px; }

.page { display: flex; flex-direction: column; min-height: 100vh; }
.main { flex: 1 0 auto; display: flex; flex-direction: column; }
.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.container--narrow { max-width: calc(820px + var(--gutter) * 2); }

/* ---------- topbar ---------- */
.topbar {
    position: sticky; top: 0; z-index: 50;
    background: rgba(244, 246, 251, .82);
    -webkit-backdrop-filter: saturate(160%) blur(14px);
    backdrop-filter: saturate(160%) blur(14px);
    border-bottom: 1px solid transparent;
    transition: border-color .25s, box-shadow .25s, background .25s;
}
.topbar.is-stuck { border-bottom-color: var(--line); box-shadow: 0 8px 30px -22px rgba(11, 31, 75, .35); background: rgba(255, 255, 255, .86); }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; min-height: var(--topbar-h); gap: 16px; min-width: 0; }
.logo { display: flex; align-items: center; color: var(--brand); min-width: 0; }
.logo .brand-name { overflow: hidden; text-overflow: ellipsis; }
.logo img, .footer__brand img { height: 40px; width: auto; max-width: min(300px, calc(100vw - 160px)); object-fit: contain; object-position: left center; }
.brand-mark { display: inline-flex; align-items: center; gap: 10px; }
.brand-emblem { width: 38px; height: 38px; flex: 0 0 auto; }
.brand-name { font-family: var(--font-display); font-weight: 800; font-size: 21px; letter-spacing: -.02em; color: var(--ink); white-space: nowrap; }
.topbar__tag {
    flex: 0 0 auto; display: inline-flex; align-items: center; height: 32px; padding: 0 14px;
    border: 1px solid var(--line); border-radius: 999px; background: var(--surface);
    font-size: 13px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--muted);
}

/* ---------- buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    min-height: 56px; padding: 0 28px; border-radius: 999px;
    font-family: var(--font-body); font-weight: 700; font-size: 17px; line-height: 1; white-space: nowrap;
    transition: transform .2s, box-shadow .2s, background .2s, color .2s;
    will-change: transform;
}
.btn svg { width: 20px; height: 20px; flex: 0 0 auto; transition: transform .25s; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn--primary { background: var(--accent); color: #fff; box-shadow: 0 14px 30px -12px rgba(23, 178, 106, .7); }
.btn--primary:hover { background: var(--accent-dark); box-shadow: 0 18px 36px -12px rgba(23, 178, 106, .75); }
.btn--primary:hover svg { transform: translateX(4px); }
.btn--light { background: #fff; color: var(--brand-deep); box-shadow: 0 14px 30px -14px rgba(0, 0, 0, .5); }
.btn--light:hover { background: var(--accent-soft); }
.btn--light:hover svg { transform: translateX(4px); }

/* ---------- eyebrow / titles ---------- */
.eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-ink);
}
.eyebrow--center { justify-content: center; width: 100%; }
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); box-shadow: 0 0 0 5px var(--accent-soft); }
.section-title {
    font-family: var(--font-display); font-weight: 800; letter-spacing: -.025em; line-height: 1.1;
    font-size: clamp(30px, 4vw, 42px); color: var(--ink); margin-top: 14px;
}

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; padding: 56px 0 40px; }
.hero__glow { position: absolute; border-radius: 50%; filter: blur(70px); pointer-events: none; }
.hero__glow--a { width: 560px; height: 560px; left: -180px; top: -200px; background: radial-gradient(closest-side, rgba(23, 178, 106, .22), transparent 70%); }
.hero__glow--b { width: 620px; height: 620px; right: -220px; top: 40px; background: radial-gradient(closest-side, rgba(21, 50, 146, .18), transparent 70%); }
.hero::before {
    content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
    background-image: linear-gradient(rgba(11, 31, 75, .05) 1px, transparent 1px), linear-gradient(90deg, rgba(11, 31, 75, .05) 1px, transparent 1px);
    background-size: 48px 48px;
    -webkit-mask-image: radial-gradient(ellipse at 50% 0%, #000 20%, transparent 70%);
    mask-image: radial-gradient(ellipse at 50% 0%, #000 20%, transparent 70%);
}
.hero__grid { position: relative; display: flex; flex-direction: column; gap: 44px; }
.hero__copy { display: flex; flex-direction: column; align-items: flex-start; }
.hero__title {
    margin-top: 18px;
    font-family: var(--font-display); font-weight: 800; letter-spacing: -.03em; line-height: 1.04;
    font-size: clamp(38px, 6.2vw, 64px); color: var(--ink);
}
.hero__title .was { position: relative; color: var(--muted); font-weight: 700; white-space: nowrap; }
.hero__title .was::after {
    content: ""; position: absolute; left: -2%; right: -2%; top: 52%; height: .09em;
    background: var(--red); border-radius: 4px; transform: rotate(-6deg);
}
.hero__title .now {
    position: relative; display: inline-block; padding: 0 .12em; color: var(--accent-ink); white-space: nowrap;
}
.hero__title .now::before {
    content: ""; position: absolute; inset: .08em -.04em .04em; z-index: -1;
    background: var(--accent-soft); border-radius: .25em; transform: rotate(-1.5deg);
}
.hero__lead { margin-top: 20px; font-size: clamp(19px, 2.2vw, 23px); font-weight: 500; color: var(--ink-2); max-width: 520px; }
.hero__actions { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; margin-top: 30px; }
.hero__hint { font-size: 14px; color: var(--muted); }
.trust { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 30px; padding-top: 24px; border-top: 1px solid var(--line); width: 100%; }
.trust li { display: inline-flex; align-items: center; gap: 8px; font-size: 15px; font-weight: 600; color: var(--ink-2); }
.trust svg { width: 22px; height: 22px; padding: 3px; border-radius: 50%; background: var(--accent-soft); color: var(--accent-ink); }

.hero__visual { position: relative; display: flex; justify-content: center; align-self: center; width: 100%; max-width: 560px; padding: 0 0 96px; }
.proof {
    width: 100%; border-radius: var(--radius); overflow: hidden; background: #fff;
    box-shadow: var(--shadow); border: 6px solid #fff; transform: rotate(-2deg);
}
.proof img { width: 100%; height: auto; object-fit: cover; aspect-ratio: 3 / 2; }
.quote-card {
    position: absolute; right: 0; bottom: 0; width: min(300px, 86%);
    display: flex; flex-direction: column; gap: 10px;
    padding: 18px 20px 20px; border-radius: 20px; background: #fff; border: 1px solid var(--line);
    box-shadow: var(--shadow); transform: rotate(1.5deg);
    animation: float 6s ease-in-out infinite;
}
.quote-card__head { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.quote-card__row { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.quote-card__label { font-size: 14px; font-weight: 600; color: var(--muted); }
.quote-card__old { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: var(--muted); text-decoration: line-through; text-decoration-color: var(--red); text-decoration-thickness: 2px; }
.quote-card__row--now { padding-top: 8px; border-top: 1px dashed var(--line); }
.quote-card__row--now .quote-card__label { color: var(--accent-ink); }
.quote-card__new { font-family: var(--font-display); font-size: 36px; font-weight: 800; letter-spacing: -.03em; line-height: 1; color: var(--ink); font-variant-numeric: tabular-nums; }
.quote-card__badge {
    position: absolute; top: -16px; left: 16px;
    display: inline-flex; align-items: center; gap: 4px; height: 32px; padding: 0 12px 0 8px;
    border-radius: 999px; background: var(--accent); color: #fff; font-size: 13px; font-weight: 700;
    box-shadow: 0 10px 20px -10px rgba(23, 178, 106, .8);
}
.quote-card__badge svg { width: 16px; height: 16px; }
@keyframes float { 0%, 100% { translate: 0 0; } 50% { translate: 0 -8px; } }

/* ---------- age picker ---------- */
.picker { padding: 24px 0 40px; scroll-margin-top: calc(var(--topbar-h) + 8px); }
.picker__card {
    position: relative; display: flex; flex-direction: column; align-items: center; text-align: center;
    padding: 44px 24px 36px; border-radius: var(--radius); background: var(--surface);
    border: 1px solid var(--line); box-shadow: var(--shadow); overflow: hidden;
}
.picker__card::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: linear-gradient(90deg, var(--accent), var(--brand)); }
.picker__step { display: inline-flex; }
.picker__step span {
    display: inline-flex; align-items: center; height: 30px; padding: 0 14px; border-radius: 999px;
    background: var(--accent-soft); color: var(--accent-ink); font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
}
.picker__title { margin-top: 16px; font-family: var(--font-display); font-weight: 800; letter-spacing: -.025em; line-height: 1.1; font-size: clamp(30px, 4.4vw, 44px); color: var(--ink); }
.picker__text { margin-top: 10px; color: var(--muted); font-size: 17px; }
.age-grid { display: flex; flex-wrap: wrap; gap: 14px; width: 100%; max-width: 860px; margin-top: 30px; }
.age {
    position: relative; flex: 1 1 calc(50% - 7px); display: flex; align-items: center; gap: 12px;
    min-height: 76px; padding: 14px 18px; border-radius: 18px;
    background: var(--bg); border: 2px solid var(--line); text-align: left;
    transition: transform .2s, border-color .2s, background .2s, box-shadow .2s, color .2s;
}
.age__label { font-family: var(--font-display); font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: var(--ink); line-height: 1; transition: color .2s; }
.age__sub { font-size: 13px; font-weight: 600; color: var(--muted); margin-right: auto; transition: color .2s; }
.age__arrow { width: 36px; height: 36px; padding: 8px; border-radius: 50%; background: #fff; color: var(--accent-ink); border: 1px solid var(--line); flex: 0 0 auto; transition: background .2s, color .2s, transform .2s, border-color .2s; }
.age:hover, .age:focus-visible { background: var(--accent); border-color: var(--accent); transform: translateY(-3px); box-shadow: 0 18px 34px -16px rgba(23, 178, 106, .75); }
.age:hover .age__label, .age:focus-visible .age__label, .age:hover .age__sub, .age:focus-visible .age__sub { color: #fff; }
.age:hover .age__arrow, .age:focus-visible .age__arrow { background: #fff; color: var(--accent-dark); border-color: #fff; transform: translateX(4px); }
.picker__note { display: inline-flex; align-items: center; gap: 8px; margin-top: 26px; font-size: 14px; font-weight: 600; color: var(--muted); }
.picker__note svg { width: 20px; height: 20px; color: var(--accent-ink); }

/* ---------- steps ---------- */
.steps { padding: 44px 0 20px; }
.steps__head { display: flex; flex-direction: column; align-items: center; text-align: center; }
.steps__grid { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 36px; }
.step {
    flex: 1 1 100%; display: flex; flex-direction: column; gap: 10px;
    padding: 28px 26px; border-radius: 20px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-s);
    transition: transform .25s, box-shadow .25s;
}
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step__num {
    display: inline-flex; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: 14px;
    background: linear-gradient(135deg, var(--brand-deep), var(--brand)); color: #fff;
    font-family: var(--font-display); font-size: 20px; font-weight: 800;
}
.step__title { font-family: var(--font-display); font-weight: 700; font-size: 22px; letter-spacing: -.02em; color: var(--ink); margin-top: 6px; }
.step__text { color: var(--muted); font-size: 16px; }

/* ---------- cta band ---------- */
.cta { padding: 40px 0 80px; }
.cta__band {
    position: relative; overflow: hidden; display: flex; flex-direction: column; align-items: flex-start; gap: 24px;
    padding: 40px 28px; border-radius: var(--radius); color: #fff;
    background: linear-gradient(135deg, #0B1F4B 0%, #153292 60%, #1A3FB5 100%); box-shadow: var(--shadow);
}
.cta__band::after {
    content: ""; position: absolute; right: -120px; top: -160px; width: 420px; height: 420px; border-radius: 50%;
    background: radial-gradient(closest-side, rgba(23, 178, 106, .55), transparent 70%); pointer-events: none;
}
.cta__copy { position: relative; }
.cta__title { font-family: var(--font-display); font-weight: 800; letter-spacing: -.025em; line-height: 1.1; font-size: clamp(28px, 3.6vw, 38px); }
.cta__text { margin-top: 10px; color: rgba(255, 255, 255, .78); font-size: 17px; }
.cta .btn { position: relative; }

/* ---------- legal pages ---------- */
.legal { padding: 56px 0 90px; }
.legal__head { display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.legal__title { font-family: var(--font-display); font-weight: 800; letter-spacing: -.03em; line-height: 1.05; font-size: clamp(36px, 5vw, 54px); color: var(--ink); }
.legal__body {
    margin-top: 28px; padding: 36px 28px; border-radius: var(--radius); background: var(--surface);
    border: 1px solid var(--line); box-shadow: var(--shadow-s); display: flex; flex-direction: column; gap: 14px;
    font-size: 16.5px; line-height: 1.7;
}
.legal__body h2 { font-family: var(--font-display); font-weight: 700; letter-spacing: -.02em; font-size: 24px; color: var(--ink); margin-top: 18px; }
.legal__body ul, .legal__body ol { display: flex; flex-direction: column; gap: 6px; padding-left: 22px; }
.legal__body ul { list-style: disc; }
.legal__body ol { list-style: decimal; }
.legal__body li::marker { color: var(--accent-ink); font-weight: 700; }

/* ---------- footer ---------- */
.footer { background: var(--brand-deep); color: rgba(255, 255, 255, .72); padding: 44px 0 40px; }
.footer__top { display: flex; flex-direction: column; align-items: flex-start; gap: 18px; padding-bottom: 26px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.footer__brand { color: var(--accent); }
.footer__brand .brand-name { color: #fff; }
.footer__nav { display: flex; align-items: center; gap: 12px; font-size: 15px; font-weight: 600; }
.footer__nav a { color: #fff; opacity: .9; transition: opacity .2s, color .2s; }
.footer__nav a:hover { color: var(--accent); opacity: 1; }
.footer__sep { opacity: .4; }
.footer__legal { display: flex; flex-direction: column; gap: 12px; margin-top: 26px; font-size: 13px; line-height: 1.65; }
.footer__copy { color: #fff; font-weight: 600; font-size: 14px; }

/* ---------- back to top ---------- */
.to-top {
    position: fixed; right: 18px; bottom: 18px; z-index: 40;
    display: flex; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: 50%;
    background: var(--surface); color: var(--ink); border: 1px solid var(--line); box-shadow: var(--shadow-s);
    opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .25s, transform .25s, visibility .25s;
}
.to-top svg { width: 20px; height: 20px; }
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }

/* ---------- reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s cubic-bezier(.2, .7, .2, 1), transform .7s cubic-bezier(.2, .7, .2, 1); }
.reveal--delay { transition-delay: .12s; }
.reveal--delay-2 { transition-delay: .24s; }
.reveal.is-in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .reveal { opacity: 1; transform: none; transition: none; }
    .quote-card { animation: none; }
    .btn, .age, .step { transition: none; }
}

/* ---------- breakpoints ---------- */
@media (min-width: 640px) {
    .hero__actions { flex-direction: row; align-items: center; gap: 18px; }
    .age { flex-basis: calc(33.333% - 10px); }
    .step { flex-basis: calc(33.333% - 14px); }
    .footer__top { flex-direction: row; align-items: center; justify-content: space-between; }
    .cta__band { padding: 48px 44px; }
    .legal__body { padding: 44px 48px; }
}
@media (min-width: 960px) {
    .hero { padding: 72px 0 56px; }
    .hero__grid { flex-direction: row; align-items: center; gap: 48px; }
    .hero__copy { flex: 0 1 54%; }
    .hero__visual { flex: 0 1 46%; max-width: none; padding-bottom: 96px; }
    .quote-card { right: -16px; bottom: 0; }
    .picker__card { padding: 56px 48px 44px; }
    .cta__band { flex-direction: row; align-items: center; justify-content: space-between; padding: 52px 56px; }
}
@media (max-width: 420px) {
    .age { flex-basis: 100%; }
    .btn { white-space: normal; text-align: center; }
    .brand-name { font-size: 18px; }
    .topbar__tag { font-size: 11px; padding: 0 10px; height: 28px; }
}

/* ---------- offer pop-up (every page load, 2s delay) ---------- */
.modal { position: fixed; inset: 0; z-index: 100; display: flex; align-items: center; justify-content: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(13, 18, 34, .62); opacity: 0; transition: opacity .3s; }
.modal__box {
    position: relative; display: flex; flex-direction: column; align-items: center; text-align: center;
    width: 100%; max-width: 480px; padding: 52px 32px 40px; border-radius: 28px; background: #fff;
    box-shadow: 0 40px 90px -30px rgba(0, 0, 0, .55);
    opacity: 0; transform: translateY(16px) scale(.96);
    transition: opacity .35s cubic-bezier(.2, .7, .2, 1), transform .35s cubic-bezier(.2, .7, .2, 1);
}
.modal.is-open .modal__backdrop { opacity: 1; }
.modal.is-open .modal__box { opacity: 1; transform: none; }
.modal__close {
    position: absolute; top: 16px; right: 16px; display: flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; padding: 0; border: 0; border-radius: 50%; background: transparent; color: #111; cursor: pointer;
    transition: background .2s;
}
.modal__close:hover { background: var(--bg); }
.modal__close svg { width: 20px; height: 20px; }
.modal__title {
    font-family: var(--font-display); font-weight: 800; letter-spacing: -.02em; line-height: 1.15;
    font-size: clamp(26px, 4vw, 36px); color: var(--brand); max-width: 360px;
}
.btn--modal {
    margin-top: 28px; min-width: 190px; color: #fff;
    background: linear-gradient(135deg, #153292, #2F6BFF); box-shadow: 0 16px 34px -12px rgba(21, 50, 146, .7);
}
.btn--modal:hover { background: linear-gradient(135deg, #0F2777, #2159E6); }
body.is-modal-open { overflow: hidden; }
@media (min-width: 640px) { .modal__box { padding: 56px 48px 44px; } }

/* ---------- per-site overrides ---------- */
.proof img { aspect-ratio: auto; }
.footer__brand img { background: #fff; padding: 8px 12px; border-radius: 12px; box-sizing: content-box; }
.legal__date { font-size: 14px; font-weight: 600; color: var(--muted); }