:root {
  --primary: #0f766e;
  --primary-dark: #0b4f49;
  --secondary: #133b5c;
  --accent: #f4b740;
  --accent-soft: #fff3d2;
  --ink: #112233;
  --muted: #64748b;
  --line: #dce7ef;
  --paper: #ffffff;
  --soft: #f4fbf9;
  --sky: #edf6ff;
  --shadow: 0 24px 70px rgba(17, 34, 51, 0.12);
  --shadow-soft: 0 16px 40px rgba(17, 34, 51, 0.08);
  --radius: 28px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: #fbfdff;
  line-height: 1.65;
}

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

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

p {
  color: var(--muted);
  margin: 0 0 1.25rem;
}

h1,
h2,
h3 {
  color: var(--ink);
  line-height: 1.12;
  margin: 0 0 1rem;
}

h1 {
  font-size: 60px;
  letter-spacing: -0.07em;
}

h2 {
  font-size: clamp(2rem, 4vw, 3.55rem);
  letter-spacing: -0.045em;
}

h3 {
  font-size: 1.35rem;
  letter-spacing: -0.02em;
}

ul {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--muted);
}

.container {
  width: min(1180px, calc(100% - 40px));
  margin-inline: auto;
}

.narrow-container {
  max-width: 720px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 99;
  background: rgba(255, 255, 255, 0.78);
  border-bottom: 1px solid rgba(220, 231, 239, 0.85);
  backdrop-filter: blur(18px);
}

.navbar {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.72rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--secondary);
  font-size: 1.1rem;
  white-space: nowrap;
}

.brand img {
  width: 46px;
  height: 46px;
  filter: drop-shadow(0 10px 20px rgba(15, 118, 110, 0.18));
}

.brand span span {
  color: var(--primary);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.05rem;
  font-weight: 700;
  color: #304357;
}

.nav-menu a:not(.btn) {
  position: relative;
  padding: 0.55rem 0.15rem;
}

.nav-menu a:not(.btn)::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0.25rem;
  width: 0;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transition: width 0.25s ease;
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
  width: 100%;
}

.nav-toggle {
  width: 46px;
  height: 46px;
  border: 0;
  border-radius: 14px;
  background: var(--soft);
  display: none;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
}

.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--secondary);
  border-radius: 999px;
  transition: transform 0.25s ease, opacity 0.25s ease;
}

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

.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0.82rem 1.28rem;
  border-radius: 999px;
  border: 2px solid transparent;
  color: #fff;
  background: linear-gradient(135deg, var(--primary), #18a999);
  font-weight: 850;
  box-shadow: 0 14px 30px rgba(15, 118, 110, 0.26);
  cursor: pointer;
  transition: transform 0.24s ease, box-shadow 0.24s ease, background 0.24s ease;
}

.btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 36px rgba(15, 118, 110, 0.32);
}

.btn-small {
  min-height: 40px;
  padding: 0.55rem 1rem;
  font-size: 0.92rem;
}

.btn-outline {
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.72);
  border-color: rgba(15, 118, 110, 0.24);
  box-shadow: none;
}

.btn-outline:hover {
  background: #fff;
  box-shadow: var(--shadow-soft);
}

.btn-light {
  background: #fff;
  color: var(--primary-dark);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.16);
}

.section-gradient {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 10% 10%, rgba(244, 183, 64, 0.22), transparent 24rem),
    radial-gradient(circle at 82% 18%, rgba(22, 163, 154, 0.25), transparent 27rem),
    linear-gradient(135deg, #f7fcff 0%, #f4fbf9 50%, #fffaf0 100%);
}

.section-gradient::before,
.section-gradient::after {
  content: "";
  position: absolute;
  border-radius: 999px;
  pointer-events: none;
}

.section-gradient::before {
  width: 360px;
  height: 360px;
  left: -160px;
  bottom: -170px;
  background: rgba(19, 59, 92, 0.08);
}

.section-gradient::after {
  width: 220px;
  height: 220px;
  right: 8%;
  bottom: 10%;
  border: 32px solid rgba(244, 183, 64, 0.12);
}

.hero {
  padding: 110px 0 74px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  align-items: center;
  gap: 3rem;
  position: relative;
  z-index: 1;
}

.hero-copy p {
  max-width: 670px;
  font-size: 1.13rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.9rem;
  color: var(--primary-dark);
  font-size: 0.78rem;
  font-weight: 950;
  text-transform: uppercase;
  letter-spacing: 0.13em;
}

.eyebrow::before {
  content: "";
  width: 32px;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin: 2rem 0;
}

.hero-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
  max-width: 640px;
}

.hero-metrics div {
  padding: 1rem;
  border: 1px solid rgba(15, 118, 110, 0.12);
  background: rgba(255, 255, 255, 0.65);
  border-radius: 22px;
  box-shadow: 0 14px 38px rgba(17, 34, 51, 0.07);
  backdrop-filter: blur(16px);
}

.hero-metrics strong {
  display: block;
  color: var(--secondary);
  font-size: 1.55rem;
  line-height: 1;
}

.hero-metrics span {
  color: var(--muted);
  font-size: 0.9rem;
}

.hero-visual {
  position: relative;
}

.hero-visual::before {
  content: "";
  position: absolute;
  inset: 12% 2% 4% 0;
  background: linear-gradient(135deg, rgba(15, 118, 110, 0.13), rgba(244, 183, 64, 0.2));
  border-radius: 42% 58% 61% 39% / 45% 36% 64% 55%;
  filter: blur(2px);
}

.hero-visual img {
  position: relative;
  width: min(560px, 100%);
  margin-left: auto;
  animation: float 5.5s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

.trust-strip {
  background: var(--secondary);
  color: #fff;
  overflow: hidden;
}

.trust-items {
  min-height: 74px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  align-items: center;
  text-align: center;
  font-weight: 850;
}

.trust-items span {
  position: relative;
}

.trust-items span::before {
  content: "✦";
  color: var(--accent);
  margin-right: 0.5rem;
}

.section {
  padding: 92px 0;
}

.section-heading {
  max-width: 760px;
  text-align: center;
  margin: 0 auto 3rem;
}

.section-heading .eyebrow {
  justify-content: center;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(245px, 1fr));
  gap: 1.3rem;
}

.service-grid.large-cards {
  grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
}

.service-card {
  position: relative;
  overflow: hidden;
  padding: 1.55rem;
  min-height: 285px;
  display: flex;
  flex-direction: column;
  border: 1px solid rgba(220, 231, 239, 0.9);
  border-radius: var(--radius);
  background: linear-gradient(180deg, #fff 0%, #f9fffd 100%);
  box-shadow: var(--shadow-soft);
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}

.service-card::after {
  content: "";
  position: absolute;
  right: -54px;
  top: -54px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(15, 118, 110, 0.12), rgba(244, 183, 64, 0.18));
}

.service-card:hover {
  transform: translateY(-10px);
  border-color: rgba(15, 118, 110, 0.26);
  box-shadow: var(--shadow);
}

.service-icon {
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  margin-bottom: 1.2rem;
  border-radius: 22px;
  background: linear-gradient(135deg, var(--accent-soft), #e7fffb);
  font-size: 1.8rem;
  box-shadow: inset 0 0 0 1px rgba(15, 118, 110, 0.09);
}

.service-card h2,
.service-card h3,
.service-card p,
.service-card ul,
.service-card a {
  position: relative;
  z-index: 1;
}

.service-card h2 {
  font-size: 1.5rem;
  letter-spacing: -0.025em;
}

.service-card p {
  flex: 1;
}

.service-card ul {
  margin-bottom: 1.3rem;
}

.card-link {
  margin-top: auto;
  color: var(--primary-dark);
  font-weight: 900;
}

.card-link:hover {
  color: var(--secondary);
}

.soft-bg {
  background:
    radial-gradient(circle at top left, rgba(244, 183, 64, 0.13), transparent 22rem),
    linear-gradient(180deg, var(--soft), #f8fbff);
}

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(290px, 0.82fr);
  gap: 2rem;
  align-items: center;
}

.check-list {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 0.75rem;
  margin: 1.3rem 0 1.8rem;
}

.check-list li {
  position: relative;
  padding-left: 2rem;
  color: #46596d;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0.05rem;
  width: 1.35rem;
  height: 1.35rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--primary);
  font-size: 0.82rem;
  font-weight: 900;
}

.feature-panel,
.values-card,
.contact-card,
.form-card,
.legal-card {
  border: 1px solid rgba(220, 231, 239, 0.95);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.82);
  box-shadow: var(--shadow-soft);
}

.feature-panel {
  padding: 2rem;
  background:
    linear-gradient(135deg, rgba(19, 59, 92, 0.94), rgba(15, 118, 110, 0.92)),
    radial-gradient(circle at 90% 10%, rgba(244, 183, 64, 0.7), transparent 14rem);
}

.feature-panel h3,
.feature-panel p,
.feature-panel li,
.feature-panel span {
  color: #fff;
}

.feature-panel .check-list li::before {
  background: var(--accent);
  color: var(--ink);
}

.feature-panel .btn {
  background: #fff;
  color: var(--primary-dark);
  box-shadow: none;
}

.mini-steps {
  display: grid;
  gap: 0.85rem;
  margin-top: 1.5rem;
}

.mini-steps span {
  padding: 0.9rem 1rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.1);
  font-weight: 800;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.3rem;
}

.blog-card,
.blog-feature {
  border: 1px solid rgba(220, 231, 239, 0.95);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}

.blog-card {
  display: flex;
  flex-direction: column;
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}

.blog-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow);
}

.blog-card img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  background: var(--soft);
}

.blog-card div {
  padding: 1.35rem;
}

.blog-card span,
.blog-tag {
  display: inline-flex;
  margin-bottom: 0.7rem;
  padding: 0.25rem 0.65rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: #8b5b02;
  font-size: 0.78rem;
  font-weight: 900;
}

.blog-card a,
.blog-feature a:not(.btn) {
  color: var(--primary-dark);
  font-weight: 900;
}

.cta-band {
  position: relative;
  overflow: hidden;
  padding: 76px 0;
  color: #fff;
  background:
    radial-gradient(circle at 16% 18%, rgba(244, 183, 64, 0.38), transparent 18rem),
    linear-gradient(135deg, var(--secondary), var(--primary-dark));
}

.cta-band h2,
.cta-band p,
.cta-band .eyebrow {
  color: #fff;
}

.cta-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.cta-content p {
  max-width: 620px;
}

.page-hero {
  padding: 108px 0 74px;
  background:
    radial-gradient(circle at 15% 18%, rgba(244, 183, 64, 0.18), transparent 22rem),
    radial-gradient(circle at 90% 12%, rgba(15, 118, 110, 0.16), transparent 24rem),
    linear-gradient(180deg, #f7fcff 0%, #fff 100%);
}

.page-hero.compact {
  padding: 92px 0 70px;
}

.page-hero h1 {
  max-width: 880px;
  font-size: clamp(2.35rem, 5vw, 4.3rem);
}

.page-hero p {
  max-width: 780px;
  font-size: 1.1rem;
}

.page-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.65fr);
  gap: 2rem;
  align-items: center;
}

.page-hero-img {
  width: min(430px, 100%);
  margin-left: auto;
  filter: drop-shadow(0 28px 44px rgba(17, 34, 51, 0.12));
}

.values-card {
  padding: 2rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.3rem;
}

.process-card {
  padding: 1.6rem;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid rgba(220, 231, 239, 0.95);
  box-shadow: var(--shadow-soft);
}

.process-card span {
  display: inline-grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 1rem;
  border-radius: 16px;
  background: var(--secondary);
  color: #fff;
  font-weight: 900;
}

.contact-grid {
  display: grid;
  grid-template-columns: minmax(260px, 0.75fr) minmax(0, 1.2fr);
  gap: 1.5rem;
  align-items: start;
}

.contact-card,
.form-card {
  padding: 2rem;
}

.contact-card {
  background:
    linear-gradient(135deg, rgba(255,255,255,0.95), rgba(244,251,249,0.95)),
    radial-gradient(circle at 100% 0, rgba(244, 183, 64, 0.25), transparent 10rem);
}

.contact-detail {
  display: grid;
  gap: 0.2rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}

.contact-detail:last-child {
  border-bottom: 0;
}

.contact-detail strong {
  color: var(--secondary);
}

.contact-detail span {
  color: var(--muted);
}

.form-card {
  display: grid;
  gap: 1rem;
}

.form-row {
  display: grid;
  gap: 0.5rem;
}

.two-columns {
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

label {
  color: #34465a;
  font-weight: 850;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #ccdae5;
  border-radius: 16px;
  background: #fbfdff;
  color: var(--ink);
  font: inherit;
  padding: 0.9rem 1rem;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--primary);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(15, 118, 110, 0.1);
}

.checkbox-line {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  color: var(--muted);
  font-weight: 700;
}

.checkbox-line input {
  width: auto;
  margin-top: 0.35rem;
}

.form-note {
  margin: 0;
  font-size: 0.9rem;
}

.form-success {
  margin-top: 0.5rem;
  padding: 0.85rem 1rem;
  border: 1px solid rgba(15, 118, 110, 0.2);
  border-radius: 16px;
  background: #eafff9;
  color: var(--primary-dark);
  font-weight: 800;
}

.blog-list {
  display: grid;
  gap: 1.4rem;
}

.blog-feature {
  display: grid;
  grid-template-columns: 270px minmax(0, 1fr);
  align-items: center;
  gap: 1.3rem;
  padding: 1.2rem;
}

.blog-feature img {
  width: 100%;
  border-radius: 22px;
  background: var(--soft);
}

.blog-feature p {
  max-width: 770px;
}

.legal-section {
  background: #fbfdff;
}

.legal-card {
  max-width: 940px;
  padding: 2.2rem;
}

.legal-card h2 {
  margin-top: 1.8rem;
  font-size: 1.55rem;
}

.legal-card h2:first-child {
  margin-top: 0;
}

.site-footer {
  padding: 64px 0 24px;
  color: rgba(255, 255, 255, 0.76);
  background: #081c2e;
}

.site-footer h3,
.site-footer .brand,
.site-footer .brand span,
.site-footer .brand span span {
  color: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.9fr 1fr;
  gap: 2rem;
}

.site-footer p {
  color: rgba(255, 255, 255, 0.68);
}

.site-footer a:not(.brand) {
  display: block;
  margin: 0.45rem 0;
  color: rgba(255, 255, 255, 0.72);
  transition: color 0.2s ease, transform 0.2s ease;
}

.site-footer a:hover {
  color: #fff;
  transform: translateX(3px);
}

.footer-brand {
  margin-bottom: 1rem;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 28px;
  margin-top: 36px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-bottom p {
  margin: 0;
}

.footer-bottom a {
  color: #fff;
  font-weight: 800;
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 980px) {
  h1 {
    letter-spacing: -0.05em;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .nav-menu {
    position: absolute;
    top: 78px;
    left: 20px;
    right: 20px;
    display: grid;
    gap: 0.35rem;
    padding: 1rem;
    border: 1px solid var(--line);
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.98);
    box-shadow: var(--shadow);
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.25s ease, opacity 0.25s ease;
  }

  .nav-menu.show {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav-menu a {
    padding: 0.75rem 0.85rem !important;
    border-radius: 14px;
  }

  .nav-menu a:hover,
  .nav-menu a.active {
    background: var(--soft);
  }

  .nav-menu a::after {
    display: none;
  }

  .nav-menu .btn {
    margin-top: 0.35rem;
  }

  .hero-grid,
  .page-hero-grid,
  .split-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 76px;
  }

  .page-hero {
    padding-top: 76px;
  }

  .page-hero-img,
  .hero-visual img {
    margin-inline: auto;
  }

  .blog-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 720px) {
  .container {
    width: min(100% - 28px, 1180px);
  }

  .hero,
  .section,
  .page-hero.compact,
  .page-hero {
    padding-block: 62px;
  }

  .hero-metrics,
  .trust-items,
  .two-columns,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .trust-items {
    padding: 1rem 0;
    gap: 0.6rem;
  }

  .cta-content,
  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .blog-feature {
    grid-template-columns: 1fr;
  }

  .service-grid.large-cards,
  .service-grid {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* Home page additions: insurance banner artwork, testimonials and FAQ */
.hero-visual .hero-main-illustration {
  position: relative;
  z-index: 2;
}

.hero-visual .insurance-badge-img {
  position: absolute;
  right: -6px;
  bottom: 34px;
  z-index: 3;
  width: min(238px, 43%);
  margin: 0;
  padding: 0.35rem;
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.76);
  box-shadow: 0 22px 54px rgba(17, 34, 51, 0.18);
  backdrop-filter: blur(14px);
  animation: badgeFloat 4.8s ease-in-out infinite;
}

@keyframes badgeFloat {
  0%, 100% { transform: translateY(0) rotate(-1deg); }
  50% { transform: translateY(-10px) rotate(1.5deg); }
}

.testimonials-section {
  background:
    radial-gradient(circle at 85% 12%, rgba(244, 183, 64, 0.14), transparent 22rem),
    linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.3rem;
}

.testimonial-card {
  position: relative;
  overflow: hidden;
  min-height: 330px;
  padding: 1.65rem;
  border: 1px solid rgba(220, 231, 239, 0.95);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.92);
  box-shadow: var(--shadow-soft);
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}

.testimonial-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 7px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
}

.testimonial-card:hover {
  transform: translateY(-8px);
  border-color: rgba(15, 118, 110, 0.25);
  box-shadow: var(--shadow);
}

.quote-icon {
  position: absolute;
  right: 1.25rem;
  top: 0.9rem;
  color: rgba(15, 118, 110, 0.12);
  font-family: Georgia, serif;
  font-size: 6.5rem;
  line-height: 1;
  pointer-events: none;
}

.stars {
  margin: 0.4rem 0 1rem;
  color: var(--accent);
  font-size: 1.05rem;
  letter-spacing: 0.08em;
}

.testimonial-card p {
  position: relative;
  z-index: 1;
  font-size: 1.02rem;
}

.testimonial-person {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin-top: 1.3rem;
}

.testimonial-person > span {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  border-radius: 18px;
  color: #fff;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  font-weight: 950;
  box-shadow: 0 14px 26px rgba(15, 118, 110, 0.18);
}

.testimonial-person strong {
  display: block;
  color: var(--secondary);
  line-height: 1.2;
}

.testimonial-person small {
  color: var(--muted);
  font-weight: 750;
}

.faq-grid {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(0, 1.2fr);
  gap: 2rem;
  align-items: start;
}

.faq-intro {
  position: sticky;
  top: 104px;
}

.faq-list {
  display: grid;
  gap: 1rem;
}

.faq-list details {
  border: 1px solid rgba(220, 231, 239, 0.95);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 12px 32px rgba(17, 34, 51, 0.06);
  overflow: hidden;
}

.faq-list summary {
  position: relative;
  padding: 1.15rem 3.2rem 1.15rem 1.25rem;
  color: var(--secondary);
  font-weight: 950;
  cursor: pointer;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  content: "+";
  position: absolute;
  right: 1.1rem;
  top: 50%;
  width: 32px;
  height: 32px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--primary);
  transform: translateY(-50%);
  font-size: 1.35rem;
  line-height: 1;
  transition: transform 0.2s ease, background 0.2s ease;
}

.faq-list details[open] summary::after {
  content: "−";
  background: var(--accent);
  color: var(--ink);
}

.faq-list details[open] summary {
  border-bottom: 1px solid var(--line);
}

.faq-list details p {
  margin: 0;
  padding: 1rem 1.25rem 1.25rem;
}

@media (max-width: 980px) {
  .testimonial-grid,
  .faq-grid {
    grid-template-columns: 1fr;
  }

  .faq-intro {
    position: static;
  }
}

@media (max-width: 720px) {
  .hero-visual .insurance-badge-img {
    right: 2px;
    bottom: 10px;
    width: min(190px, 48%);
    border-radius: 22px;
  }

  .testimonial-card {
    min-height: auto;
  }
}

.blog-content img{
  width: 100%;
}