:root{
    --paper:#F3F5F9;
    --paper-raised:#FAFBFD;
    --ink:#131B2E;
    --ink-soft:#4A5670;
    --brand:#1D4ED8;
    --brand-deep:#1E3A8A;
    --brand-tint:#E5ECFA;
    --amber:#C97F2B;
    --amber-tint:#F6E7D3;
    --line:#D9DFEB;
    --white:#FFFFFF;
    --shadow:0 1px 2px rgba(19,27,46,.06),0 8px 24px rgba(19,27,46,.07);
    --radius-card:14px;
    --radius-sm:8px;
    --font-display:'Overpass','Arial Narrow',Arial,sans-serif;
    --font-body:'Public Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  }
  @media (prefers-color-scheme: dark){
    :root:not([data-theme="light"]){
      --paper:#0F1420;
      --paper-raised:#161D2D;
      --ink:#E8ECF5;
      --ink-soft:#A9B4C9;
      --brand:#7BA4F7;
      --brand-deep:#5B8BE8;
      --brand-tint:#1A2540;
      --amber:#E3AA5C;
      --amber-tint:#2E2417;
      --line:#253048;
      --white:#0B1020;
      --shadow:0 1px 2px rgba(0,0,0,.4),0 8px 28px rgba(0,0,0,.35);
    }
  }
  :root[data-theme="dark"]{
    --paper:#0F1420;
    --paper-raised:#161D2D;
    --ink:#E8ECF5;
    --ink-soft:#A9B4C9;
    --brand:#7BA4F7;
    --brand-deep:#5B8BE8;
    --brand-tint:#1A2540;
    --amber:#E3AA5C;
    --amber-tint:#2E2417;
    --line:#253048;
    --white:#0B1020;
    --shadow:0 1px 2px rgba(0,0,0,.4),0 8px 28px rgba(0,0,0,.35);
  }

  *{box-sizing:border-box;}
  html{-webkit-text-size-adjust:100%;}
  body{
    margin:0;
    background:var(--paper);
    color:var(--ink);
    font-family:var(--font-body);
    font-size:18px;
    line-height:1.65;
    -webkit-font-smoothing:antialiased;
  }
  img,svg{max-width:100%;}
  h1,h2,h3{font-family:var(--font-display);text-wrap:balance;margin:0;color:var(--ink);}
  p{margin:0;}
  a{color:inherit;}
  .wrap{max-width:1120px;margin-inline:auto;padding-inline:clamp(18px,5vw,32px);}
  .visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;}

  .eyebrow{
    font-family:var(--font-display);
    font-weight:700;
    font-size:13px;
    letter-spacing:.09em;
    text-transform:uppercase;
    color:var(--brand);
  }
  :root[data-theme="dark"] .eyebrow, :root:not([data-theme="light"]) .eyebrow{color:var(--brand);}
  .eyebrow-link{color:inherit;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:3px;}
  .eyebrow-link:hover,.eyebrow-link:focus-visible{text-decoration-style:solid;}

  .lane-divider{
    height:4px;
    background-image:repeating-linear-gradient(90deg,var(--amber) 0 22px,transparent 22px 40px);
    opacity:.55;
  }

  /* ---------- emergency bar ---------- */
  .emergency-bar{
    background:var(--brand-deep);
    color:var(--white);
    font-size:13.5px;
  }
  .emergency-bar .wrap{display:flex;justify-content:center;}
  .emergency-toggle{padding-block:7px;}
  .emergency-toggle summary{
    cursor:pointer;list-style:none;
    display:flex;align-items:center;gap:6px;
    font-weight:600;
  }
  .emergency-toggle summary::-webkit-details-marker{display:none;}
  .emergency-toggle summary::after{content:'▾';font-size:10px;}
  .emergency-toggle[open] summary::after{content:'▴';}
  .emergency-numbers{
    display:flex;flex-direction:column;gap:4px;align-items:center;
    padding-block:2px 9px;
  }
  .emergency-bar strong{font-weight:700;}
  .emergency-bar a{color:var(--white);text-decoration:underline;text-decoration-style:dotted;text-underline-offset:2px;white-space:nowrap;}
  .emergency-bar a:hover,.emergency-bar a:focus-visible{text-decoration-style:solid;}

  /* ---------- header ---------- */
  header.site-header{
    background:var(--paper-raised);
    border-bottom:1px solid var(--line);
    position:sticky;top:0;z-index:10;
  }
  header.site-header .wrap{
    display:flex;align-items:center;justify-content:space-between;
    flex-wrap:wrap;gap:10px 24px;padding-block:14px;
  }
  .brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
  .brand-mark{
    width:38px;height:38px;flex:none;
    background:var(--brand);color:var(--white);
    border-radius:8px;display:flex;align-items:center;justify-content:center;
  }
  .brand-name{font-family:var(--font-display);font-weight:800;font-size:19px;letter-spacing:-.01em;line-height:1.1;}
  .brand-name small{display:block;font-family:var(--font-body);font-weight:500;font-size:12.5px;color:var(--ink-soft);letter-spacing:0;}
  nav.main-nav{display:flex;gap:22px;flex-wrap:wrap;font-weight:600;font-size:15px;}
  nav.main-nav a{text-decoration:none;color:var(--ink-soft);}
  nav.main-nav a:hover, nav.main-nav a:focus-visible{color:var(--brand);}
  .header-cta{
    display:flex;align-items:center;gap:8px;
    font-family:var(--font-display);font-weight:700;font-size:15px;
    text-decoration:none;color:var(--brand-deep);
    padding:8px 14px;border:1.5px solid var(--brand);border-radius:999px;
  }
  .header-cta:hover, .header-cta:focus-visible{background:var(--brand-tint);}
  :root:not([data-theme="light"]) .header-cta, :root[data-theme="dark"] .header-cta{color:var(--brand);}

  /* ---------- buttons ---------- */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:8px;
    font-family:var(--font-display);font-weight:700;font-size:16px;
    padding:13px 24px;border-radius:8px;min-height:48px;
    text-decoration:none;border:1.5px solid transparent;cursor:pointer;
  }
  .btn-primary{background:var(--brand);color:var(--white);}
  .btn-primary:hover,.btn-primary:focus-visible{background:var(--brand-deep);}
  .btn-ghost{background:transparent;color:var(--ink);border-color:var(--line);}
  .btn-ghost:hover,.btn-ghost:focus-visible{border-color:var(--brand);color:var(--brand);}
  :root:not([data-theme="light"]) .btn-primary, :root[data-theme="dark"] .btn-primary{color:#0A140F;}

  :focus-visible{outline:3px solid var(--amber);outline-offset:2px;}

  /* ---------- hero ---------- */
  .hero{padding-block:clamp(48px,7vw,84px);}
  .hero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center;}
  .hero h1{font-size:clamp(32px,4.4vw,50px);font-weight:800;letter-spacing:-.015em;margin-block:14px 16px;}
  .hero .lede{font-size:19px;color:var(--ink-soft);max-width:46ch;margin-bottom:26px;}
  .hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px;}
  .trust-strip{display:flex;flex-wrap:wrap;gap:14px 26px;font-size:14.5px;color:var(--ink-soft);}
  .trust-strip span{display:flex;align-items:center;gap:7px;}
  .trust-strip svg{width:17px;height:17px;color:var(--brand);flex:none;}

  .hero-art{background:var(--paper-raised);border:1px solid var(--line);border-radius:18px;padding:10px;box-shadow:var(--shadow);}
  .hero-art svg{display:block;width:100%;height:auto;border-radius:12px;}

  /* ---------- why ---------- */
  .why{padding-block:clamp(40px,6vw,64px);}
  .why .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:30px;}
  .why-card h3{font-size:20px;margin-block:14px 8px;}
  .why-card p{color:var(--ink-soft);font-size:16px;}
  .icon-plate{
    width:46px;height:46px;border-radius:6px;background:var(--brand-tint);
    color:var(--brand);display:flex;align-items:center;justify-content:center;
  }
  .icon-plate svg{width:24px;height:24px;}

  .section-head{max-width:60ch;}
  .section-head h2{font-size:clamp(26px,3.2vw,34px);margin-block:8px 12px;}
  .section-head p{color:var(--ink-soft);font-size:17px;}

  /* ---------- coverage ---------- */
  .coverage{padding-block:clamp(48px,6vw,72px);background:var(--paper-raised);border-block:1px solid var(--line);}
  .coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px;}
  .cov-card{
    background:var(--paper);border:1px solid var(--line);border-radius:var(--radius-card);
    padding:26px;display:flex;flex-direction:column;gap:14px;
  }
  .cov-card.featured{border-color:var(--amber);border-width:2px;position:relative;}
  .cov-card .tag{
    align-self:flex-start;font-family:var(--font-display);font-weight:700;font-size:11.5px;
    letter-spacing:.06em;text-transform:uppercase;color:var(--amber);
    background:var(--amber-tint);padding:4px 10px;border-radius:5px;
  }
  .cov-card h3{font-size:21px;}
  .cov-card .desc{color:var(--ink-soft);font-size:15.5px;}
  .cov-card ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px;font-size:15px;}
  .cov-card li{display:flex;gap:9px;align-items:flex-start;}
  .cov-card li svg{width:18px;height:18px;flex:none;margin-top:2px;color:var(--brand);}
  .cov-card .cov-cta{margin-top:auto;font-family:var(--font-display);font-weight:700;font-size:15px;color:var(--brand-deep);text-decoration:none;}
  :root:not([data-theme="light"]) .cov-card .cov-cta,:root[data-theme="dark"] .cov-card .cov-cta{color:var(--brand);}
  .cov-card .cov-cta:hover{text-decoration:underline;}
  .cov-note{margin-top:22px;font-size:14.5px;color:var(--ink-soft);}

  .compare-title{margin-top:40px;font-size:20px;}
  .compare-wrap{overflow-x:auto;margin-top:16px;border:1px solid var(--line);}
  .compare{width:100%;border-collapse:collapse;min-width:520px;background:var(--paper-raised);font-size:14.5px;}
  .compare th,.compare td{padding:12px 16px;text-align:center;border-bottom:1px solid var(--line);}
  .compare thead th{font-family:var(--font-display);font-weight:700;background:var(--paper);border-bottom:2px solid var(--line);}
  .compare tbody th{text-align:left;font-weight:600;color:var(--ink);}
  .compare tbody tr:last-child th,.compare tbody tr:last-child td{border-bottom:none;}
  .compare .yes{color:var(--brand);font-weight:800;}
  .compare .no{color:var(--ink-soft);}
  :root:not([data-theme="light"]) .compare .yes,:root[data-theme="dark"] .compare .yes{color:var(--brand);}

  /* ---------- numbers ---------- */
  .numbers{padding-block:clamp(48px,6vw,72px);background:var(--paper-raised);border-block:1px solid var(--line);}
  .state-picker{margin-top:26px;display:flex;align-items:center;gap:12px;flex-wrap:wrap;}
  .state-picker label{font-weight:700;}
  .state-picker select{font:inherit;font-size:17px;font-weight:600;padding:11px 14px;min-height:48px;border-radius:8px;border:1.5px solid var(--brand);background:var(--paper);color:var(--ink);min-width:min(260px,100%);}
  .stat-grid{margin-top:30px;display:grid;grid-template-columns:repeat(3,1fr);gap:34px 28px;}
  .stat{display:flex;flex-direction:column;gap:6px;}
  .big{font-family:var(--font-display);font-weight:800;font-size:clamp(38px,5vw,54px);line-height:1;letter-spacing:-.02em;color:var(--brand-deep);font-variant-numeric:tabular-nums;}
  :root:not([data-theme="light"]) .big,:root[data-theme="dark"] .big{color:var(--brand);}
  .stat .label,.biz-stat .label{font-weight:700;}
  .stat .why,.biz-stat .why{color:var(--ink-soft);font-size:15.5px;max-width:36ch;}
  .type-bars{margin-top:46px;max-width:760px;}
  .type-bars h3{font-size:19px;margin-bottom:16px;}
  .bar{display:grid;grid-template-columns:minmax(150px,250px) 1fr auto;gap:14px;align-items:center;margin-bottom:12px;font-size:15.5px;}
  .bar .track{height:14px;background:var(--brand-tint);border-radius:3px;overflow:hidden;}
  .bar .fill{display:block;height:100%;background:var(--brand);width:0;}
  .bar .val{font-weight:700;font-variant-numeric:tabular-nums;}

  /* ---------- business ---------- */
  .business{padding-block:clamp(48px,6vw,72px);}
  .biz-grid{margin-top:32px;display:grid;grid-template-columns:minmax(0,340px) 1fr;gap:48px;align-items:start;}
  .biz-stat{display:flex;flex-direction:column;gap:8px;padding-top:16px;border-top:3px solid var(--amber);}
  .biz-points{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:22px;}
  .biz-points h3{font-size:19px;margin-bottom:4px;}
  .biz-points p{color:var(--ink-soft);font-size:16px;max-width:62ch;}

  /* ---------- rules ---------- */
  .rules{padding-block:clamp(48px,6vw,72px);}
  .rules-list{margin:32px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
  .rules-item{border-top:3px solid var(--amber);padding-top:16px;display:flex;flex-direction:column;gap:8px;}
  .rules-item dt{font-family:var(--font-display);font-weight:800;font-size:19px;}
  .rules-item dd{margin:0;color:var(--ink-soft);font-size:16px;}
  .rules-item .amount{font-family:var(--font-display);font-weight:800;font-size:22px;color:var(--ink);}
  .rules-adjust{margin-top:32px;padding:20px 24px;background:var(--brand-tint);border-radius:var(--radius-card);display:flex;flex-wrap:wrap;gap:16px 24px;align-items:center;justify-content:space-between;}
  .rules-adjust p{max-width:60ch;font-weight:600;}
  .sources{margin-top:22px;font-size:13.5px;color:var(--ink-soft);}
  .sources a{color:var(--brand-deep);}
  :root:not([data-theme="light"]) .sources a,:root[data-theme="dark"] .sources a{color:var(--brand);}

  /* ---------- glossary ---------- */
  .glossary{padding-block:clamp(48px,6vw,72px);}
  .gloss-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px 32px;margin-top:32px;}
  .gloss-item{padding-block:16px;border-top:1px solid var(--line);display:grid;grid-template-columns:150px 1fr;gap:18px;}
  .gloss-item dt{font-family:var(--font-display);font-weight:800;color:var(--brand-deep);font-size:16px;}
  :root:not([data-theme="light"]) .gloss-item dt,:root[data-theme="dark"] .gloss-item dt{color:var(--brand);}
  .gloss-item dd{margin:0;color:var(--ink-soft);font-size:15.5px;}

  /* ---------- how it works ---------- */
  .how{padding-block:clamp(48px,6vw,72px);background:var(--paper-raised);border-block:1px solid var(--line);}
  .steps{margin-top:36px;display:flex;flex-direction:column;}
  .step{display:grid;grid-template-columns:52px 1fr;gap:20px;padding-bottom:34px;position:relative;}
  .step:last-child{padding-bottom:0;}
  .step-num{
    width:52px;height:52px;border-radius:50%;background:var(--brand);color:var(--white);
    font-family:var(--font-display);font-weight:800;font-size:19px;
    display:flex;align-items:center;justify-content:center;flex:none;z-index:1;
  }
  :root:not([data-theme="light"]) .step-num,:root[data-theme="dark"] .step-num{color:#0A140F;}
  .step:not(:last-child)::before{
    content:"";position:absolute;left:25px;top:52px;bottom:0;width:2px;
    background-image:repeating-linear-gradient(180deg,var(--amber) 0 8px,transparent 8px 16px);
  }
  .step h3{font-size:19px;margin-bottom:5px;}
  .step p{color:var(--ink-soft);font-size:16px;max-width:56ch;}

  /* ---------- agent ---------- */
  .agent{padding-block:clamp(48px,6vw,72px);}
  .agent .wrap{display:grid;grid-template-columns:200px 1fr;gap:44px;align-items:center;}
  .agent-avatar{
    width:200px;height:200px;border-radius:50%;background:var(--brand);color:var(--white);
    font-family:var(--font-display);font-weight:800;font-size:64px;letter-spacing:-.02em;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 0 0 8px var(--brand-tint);
  }
  :root:not([data-theme="light"]) .agent-avatar,:root[data-theme="dark"] .agent-avatar{color:#0A140F;}
  .agent-body{display:flex;flex-direction:column;gap:14px;align-items:flex-start;}
  .agent-body h2{font-size:clamp(26px,3.2vw,34px);}
  .agent-body p{color:var(--ink-soft);max-width:60ch;}
  .promises{list-style:none;margin:4px 0 8px;padding:0;display:flex;flex-direction:column;gap:9px;}
  .promises li{display:flex;gap:9px;align-items:flex-start;font-weight:600;}
  .promises svg{width:20px;height:20px;color:var(--brand);flex:none;margin-top:3px;}

  /* ---------- floating whatsapp ---------- */
  .wa-float{
    position:fixed;right:18px;bottom:18px;z-index:20;
    display:flex;align-items:center;gap:8px;text-decoration:none;
    background:var(--brand);color:var(--white);
    font-family:var(--font-display);font-weight:700;font-size:15px;
    padding:12px 18px;border-radius:999px;box-shadow:var(--shadow);
  }
  .wa-float svg{width:22px;height:22px;}
  .wa-float:hover,.wa-float:focus-visible{background:var(--brand-deep);}
  :root:not([data-theme="light"]) .wa-float,:root[data-theme="dark"] .wa-float{color:#0A140F;}

  /* ---------- faq ---------- */
  .faq{padding-block:clamp(48px,6vw,72px);background:var(--paper-raised);border-block:1px solid var(--line);}
  .faq-list{margin-top:28px;display:flex;flex-direction:column;gap:10px;max-width:80ch;}
  .faq-list details{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius-sm);padding:4px 18px;}
  .faq-list summary{
    cursor:pointer;padding-block:16px;font-family:var(--font-display);font-weight:700;font-size:16.5px;
    list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;
  }
  .faq-list summary::-webkit-details-marker{display:none;}
  .faq-list summary::after{content:"+";font-size:22px;color:var(--brand);flex:none;line-height:1;}
  .faq-list details[open] summary::after{content:"–";}
  .faq-list .a{padding-bottom:18px;color:var(--ink-soft);font-size:15.5px;max-width:65ch;}
  .faq-group-title{margin-top:40px;font-size:20px;}
  .faq-group-title:first-child{margin-top:0;}

  /* ---------- contact ---------- */
  .contact{padding-block:clamp(48px,7vw,84px);}
  .contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;}
  .contact-info h2{font-size:clamp(26px,3.2vw,32px);margin-block:8px 14px;}
  .contact-info p{color:var(--ink-soft);font-size:17px;margin-bottom:22px;max-width:44ch;}
  .contact-methods{display:flex;flex-direction:column;gap:14px;}
  .contact-methods a{
    display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:700;
    font-family:var(--font-display);font-size:16px;color:var(--ink);
  }
  .contact-methods svg{width:20px;height:20px;color:var(--brand);flex:none;}
  .contact-methods span small{display:block;font-family:var(--font-body);font-weight:500;font-size:13.5px;color:var(--ink-soft);}

  form.quote-form{background:var(--paper-raised);border:1px solid var(--line);border-radius:var(--radius-card);padding:28px;box-shadow:var(--shadow);}
  .field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px;}
  .field label{font-size:14px;font-weight:600;color:var(--ink-soft);}
  .field input,.field select,.field textarea{
    font:inherit;font-size:16px;padding:11px 12px;border-radius:6px;border:1.5px solid var(--line);
    background:var(--paper);color:var(--ink);
  }
  .field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{border-color:var(--brand);}
  .field textarea{resize:vertical;min-height:80px;}
  form.quote-form .btn{width:100%;margin-top:4px;}
  .form-note{font-size:13px;color:var(--ink-soft);margin-top:12px;}

  /* ---------- footer ---------- */
  footer{padding-block:36px;border-top:1px solid var(--line);}
  footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;align-items:flex-start;}
  footer .foot-brand{display:flex;align-items:center;gap:9px;font-family:var(--font-display);font-weight:800;font-size:16px;}
  footer .foot-brand .brand-mark{width:30px;height:30px;}
  footer nav{display:flex;gap:18px;flex-wrap:wrap;font-size:14.5px;font-weight:600;color:var(--ink-soft);}
  footer nav a{text-decoration:none;}
  footer nav a:hover{color:var(--brand);}
  .legal{margin-top:20px;font-size:12.5px;color:var(--ink-soft);max-width:80ch;line-height:1.6;}

  @media (max-width:860px){
    .hero .wrap{grid-template-columns:1fr;}
    .hero-art{order:-1;}
    .why .grid, .coverage-grid{grid-template-columns:1fr;}
    .rules-list,.stat-grid,.biz-grid{grid-template-columns:1fr;}
    .biz-grid{gap:28px;}
    .bar{grid-template-columns:1fr auto;}
    .bar .track{grid-column:1 / -1;order:3;}
    .agent .wrap{grid-template-columns:1fr;justify-items:start;}
    .agent-avatar{width:120px;height:120px;font-size:40px;}
    .gloss-grid{grid-template-columns:1fr;}
    .gloss-item{grid-template-columns:1fr;gap:4px;}
    .contact .wrap{grid-template-columns:1fr;}
  }

/* ---------- detail pages ---------- */
.back-link{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:14.5px;text-decoration:none;color:var(--ink-soft);margin-bottom:18px;}
.back-link:hover,.back-link:focus-visible{color:var(--brand);}
.detail-hero{padding-block:clamp(40px,6vw,64px);}
.detail-hero .tag{
  display:inline-block;font-family:var(--font-display);font-weight:700;font-size:11.5px;
  letter-spacing:.06em;text-transform:uppercase;color:var(--amber);
  background:var(--amber-tint);padding:4px 10px;border-radius:5px;margin-bottom:12px;
}
.detail-hero h1{font-size:clamp(28px,4vw,42px);margin-block:0 14px;}
.detail-hero .lede{font-size:18px;color:var(--ink-soft);max-width:60ch;margin-bottom:24px;}
.covers{padding-block:clamp(40px,6vw,60px);background:var(--paper-raised);border-block:1px solid var(--line);}
.covers-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:28px;}
.covers-col h3{font-size:18px;margin-bottom:14px;display:flex;align-items:center;gap:8px;}
.covers-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px;font-size:16px;}
.covers-col li{display:flex;gap:10px;align-items:flex-start;}
.covers-col li svg{width:19px;height:19px;flex:none;margin-top:3px;}
.covers-col.yes li svg{color:var(--brand);}
.covers-col.no li svg{color:var(--ink-soft);}
.example-box{margin-top:30px;padding:20px 24px;border-left:3px solid var(--amber);background:var(--paper);border-radius:0 var(--radius-sm) var(--radius-sm) 0;}
.example-box p{font-size:16px;color:var(--ink-soft);}
.example-box p + p{margin-top:10px;}
.example-box strong{color:var(--ink);}
.mini-gloss{padding-block:clamp(40px,6vw,60px);}
.mini-gloss-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px 32px;margin-top:28px;}
.cov-switch{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;}
.cov-switch a{
  text-decoration:none;font-family:var(--font-display);font-weight:700;font-size:14.5px;
  padding:9px 16px;border-radius:999px;border:1.5px solid var(--line);color:var(--ink-soft);
}
.cov-switch a.current{border-color:var(--brand);color:var(--brand-deep);background:var(--brand-tint);}
:root:not([data-theme="light"]) .cov-switch a.current,:root[data-theme="dark"] .cov-switch a.current{color:var(--brand);}

@media (max-width:860px){
  .covers-grid{grid-template-columns:1fr;}
}

/* ---------- insurer page ---------- */
.insurer-hero{padding-block:clamp(40px,6vw,64px);}
.insurer-hero .wrap{display:grid;grid-template-columns:280px 1fr;gap:44px;align-items:center;}
.insurer-logo-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-card);padding:24px;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow);}
.insurer-logo-card img{display:block;width:100%;height:auto;}
.insurer-hero h1{font-size:clamp(28px,4vw,42px);margin-block:8px 14px;}
.insurer-hero .lede{font-size:18px;color:var(--ink-soft);max-width:60ch;}
.insurer-facts{padding-block:clamp(40px,6vw,60px);background:var(--paper-raised);border-block:1px solid var(--line);}
.why-us{padding-block:clamp(40px,6vw,60px);}
.why-us ul{list-style:none;margin:28px 0 0;padding:0;display:flex;flex-direction:column;gap:16px;max-width:70ch;}
.why-us li{display:flex;gap:12px;align-items:flex-start;font-size:16.5px;}
.why-us li svg{width:20px;height:20px;color:var(--brand);flex:none;margin-top:3px;}

@media (max-width:860px){
  .insurer-hero .wrap{grid-template-columns:1fr;}
  .insurer-logo-card{max-width:240px;}
}

/* ---------- home teasers ---------- */
.why-teasers{padding-block:clamp(40px,6vw,64px);}
.teaser-grid{margin-top:30px;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.teaser-card{
  display:flex;flex-direction:column;gap:8px;padding:26px;
  background:var(--paper-raised);border:1px solid var(--line);border-radius:var(--radius-card);
  text-decoration:none;color:inherit;
}
.teaser-card:hover,.teaser-card:focus-visible{border-color:var(--brand);}
.teaser-card .tag{
  align-self:flex-start;font-family:var(--font-display);font-weight:700;font-size:11.5px;
  letter-spacing:.06em;text-transform:uppercase;color:var(--amber);
  background:var(--amber-tint);padding:4px 10px;border-radius:5px;margin-bottom:4px;
}
.teaser-card .label{font-weight:700;font-size:16px;}
.teaser-card .desc{color:var(--ink-soft);font-size:15px;}
.teaser-card .go{margin-top:10px;font-family:var(--font-display);font-weight:700;font-size:14.5px;color:var(--brand-deep);}
:root:not([data-theme="light"]) .teaser-card .go,:root[data-theme="dark"] .teaser-card .go{color:var(--brand);}

@media (max-width:860px){
  .teaser-grid{grid-template-columns:1fr;}
}