:root{--bg:#f3f7fb;--ink:#0f1c2e;--muted:#5c6f86;--teal:#0f9f90;--coral:#ef5b4a;--card:#fff;--line:#d5e1ef;--ease:cubic-bezier(.22,1,.36,1)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.wrap{width:min(1120px,calc(100% - 40px));margin:0 auto}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:12px;padding:12px 18px;font-weight:800;font-size:14px;border:0;cursor:pointer;font-family:inherit;transition:transform .35s var(--ease)}
.btn:hover{transform:translateY(-3px)}.btn-teal{background:linear-gradient(120deg,#0f9f90,#14b8a6);color:#fff}.btn-coral{background:var(--coral);color:#fff}.btn-dark{background:var(--ink);color:#fff}.btn-full{width:100%}
header{position:sticky;top:0;z-index:40;background:rgba(11,28,44,.94);backdrop-filter:blur(14px);color:#fff}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:12px}
.logo{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:24px}.logo span{color:#5eead4}
.nav-links{display:flex;gap:18px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#9db0c4}
.nav-links a.active,.nav-links a:hover{color:#fff}
.nav-toggle{display:none;background:0;border:0;color:#fff;font-size:22px}
.hero{position:relative;min-height:78vh;display:grid;align-items:center;background-size:cover;background-position:center}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(105deg,rgba(11,28,44,.92),rgba(11,28,44,.55))}
.hero .wrap{position:relative;z-index:1;padding:70px 0;color:#fff}
.kicker{color:#99f6e4;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:12px}
h1,h2,h3{font-family:"Space Grotesk",sans-serif;letter-spacing:-.03em}
h1{font-size:clamp(34px,4.5vw,52px);line-height:1.08;max-width:14ch;margin-bottom:14px}
.lead{color:#b7c9db;max-width:38ch;margin-bottom:24px;font-size:17px}
.page-hero{padding:64px 0 32px} .page-hero p{color:var(--muted);margin-top:10px;max-width:56ch}
section{padding:72px 0}.section-alt{background:#fff}
.section-head{max-width:620px;margin-bottom:32px}.section-head h2{font-size:clamp(28px,3.4vw,38px);margin-bottom:10px}.section-head p{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px;transition:transform .4s var(--ease)}
.card:hover{transform:translateY(-8px)}.card img{border-radius:12px;aspect-ratio:16/10;object-fit:cover;width:100%;margin-bottom:14px}
.card h3{margin-bottom:8px}.card p,.muted{color:var(--muted)}.split-img{border-radius:22px;aspect-ratio:4/3;object-fit:cover;width:100%}
.list{margin:14px 0 20px;padding-left:18px;color:var(--muted)}.list li{margin:7px 0}
.band{background:linear-gradient(120deg,#0b1c2c,#12324a);color:#fff;border-radius:24px;padding:40px;display:flex;justify-content:space-between;gap:16px;align-items:center;flex-wrap:wrap}
.band p{color:#9db0c4;margin-top:8px}
.form{display:grid;gap:12px;max-width:520px}.form label{font-size:13px;font-weight:700}
.form input,.form textarea,.form select{width:100%;padding:12px 14px;border-radius:10px;border:1px solid var(--line);font:inherit}
.form-success{display:none;padding:14px;border-radius:10px;background:rgba(15,159,144,.12);color:var(--teal);font-weight:700}.form-success.show{display:block}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin-bottom:8px}
.faq summary{cursor:pointer;font-weight:700}.faq p{color:var(--muted);margin-top:8px;font-size:14px}
footer{padding:40px 0 24px;border-top:1px solid var(--line);margin-top:20px;background:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:20px;margin-bottom:20px}
.footer-grid h4{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:10px}
.footer-grid a{display:block;color:var(--muted);font-size:14px;margin:7px 0}.footer-bottom{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}
.reveal{opacity:0;transform:translateY(24px);transition:.75s var(--ease)}.reveal.in{opacity:1;transform:none}
@media(max-width:900px){.nav-toggle{display:block}.nav-links{display:none;position:absolute;left:0;right:0;top:72px;flex-direction:column;background:#0b1c2c;padding:16px}.nav-links.open{display:flex}.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}}

/* ---- professional sections ---- */
.stats-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:0}
.stat-box{text-align:center;padding:28px 16px;border:1px solid var(--line,rgba(0,0,0,.08));border-radius:18px;background:var(--card,#fff)}
.stat-box b{display:block;font-size:clamp(28px,3vw,40px);letter-spacing:-.03em;margin-bottom:6px}
.stat-box span{font-size:13px;opacity:.75}
.logos-row{display:flex;flex-wrap:wrap;gap:18px 32px;align-items:center;justify-content:center;opacity:.75;font-weight:700;letter-spacing:.06em;font-size:13px;text-transform:uppercase}
.logos-row span{padding:10px 14px;border:1px solid var(--line,rgba(0,0,0,.08));border-radius:999px}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:step}
.process .step{position:relative;padding:22px;border-radius:18px;border:1px solid var(--line,rgba(0,0,0,.08));background:var(--card,#fff)}
.process .step::before{counter-increment:step;content:counter(step,decimal-leading-zero);display:block;font-weight:800;font-size:22px;margin-bottom:10px}
.process .step h3{margin-bottom:8px;font-size:17px}
.process .step p{font-size:14px;opacity:.75;line-height:1.55}
.integrations{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}
.integrations div{text-align:center;padding:16px 8px;border-radius:14px;border:1px solid var(--line,rgba(0,0,0,.08));font-size:12px;font-weight:700;background:var(--card,#fff)}
.newsletter{display:grid;grid-template-columns:1.2fr .8fr;gap:20px;align-items:center;padding:36px;border-radius:24px;border:1px solid var(--line,rgba(0,0,0,.08));background:var(--card,#fff)}
.newsletter form{display:flex;gap:10px;flex-wrap:wrap}
.newsletter input{flex:1;min-width:200px;padding:13px 14px;border-radius:12px;border:1px solid var(--line,rgba(0,0,0,.12));font:inherit}
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start}
.contact-cards{display:grid;gap:12px}
.contact-card{padding:18px;border-radius:16px;border:1px solid var(--line,rgba(0,0,0,.08));background:var(--card,#fff)}
.contact-card h4{margin-bottom:6px;font-size:15px}
.contact-card p{font-size:14px;opacity:.8;line-height:1.5}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.map-box{border-radius:18px;min-height:200px;border:1px solid var(--line,rgba(0,0,0,.08));display:grid;place-items:center;padding:24px;text-align:center;background:linear-gradient(145deg,rgba(127,127,127,.08),rgba(127,127,127,.02))}
.quote-band{padding:40px;border-radius:24px;border:1px solid var(--line,rgba(0,0,0,.08));text-align:center;background:var(--card,#fff)}
.quote-band blockquote{font-size:clamp(20px,2.6vw,28px);line-height:1.4;max-width:40ch;margin:0 auto 16px;letter-spacing:-.02em}
@media(max-width:900px){
  .stats-strip,.process,.integrations,.newsletter,.contact-grid,.form-row{grid-template-columns:1fr}
  .integrations{grid-template-columns:repeat(3,1fr)}
  .stats-strip{grid-template-columns:1fr 1fr}
}

/* ==== frontend polish: alignment, FAQ, sections ==== */
.section-tight { padding: 36px 0 !important; }
.section-head { max-width: 640px; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.section-head.center + .stats-strip,
.section-head.center + .process,
.section-head.center + .grid-3,
.section-head.center + .faq,
.section-head.center + .integrations { }

.grid-3 > .card,
.grid > .product,
.grid > .card {
  height: 100%;
  display: flex;
  flex-direction: column;
}
.card p:last-child { margin-top: auto; }

/* FAQ — professional accordion */
.faq {
  max-width: 760px;
  margin: 0 auto;
  display: grid;
  gap: 12px;
}
.faq details {
  border: 1px solid var(--line, rgba(255,255,255,.12));
  border-radius: 16px;
  padding: 0;
  margin: 0;
  background: var(--card, rgba(255,255,255,.04));
  overflow: hidden;
  transition: border-color .25s, box-shadow .25s, transform .25s;
}
.faq details:hover {
  border-color: rgba(127,127,127,.35);
}
.faq details[open] {
  box-shadow: 0 12px 36px rgba(0,0,0,.08);
}
.faq summary {
  cursor: pointer;
  font-weight: 700;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  line-height: 1.35;
  font-size: 15px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  flex: 0 0 auto;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 18px;
  font-weight: 600;
  line-height: 1;
  border: 1px solid var(--line, rgba(127,127,127,.25));
  opacity: .85;
  transition: transform .25s, background .25s;
}
.faq details[open] summary::after {
  content: "–";
  transform: none;
  background: rgba(127,127,127,.08);
}
.faq details p {
  margin: 0;
  padding: 0 20px 18px;
  color: var(--muted, #6b7280);
  font-size: 14px;
  line-height: 1.65;
  max-width: 62ch;
}

/* Process polish */
.process {
  align-items: stretch;
}
.process .step {
  height: 100%;
  display: flex;
  flex-direction: column;
}
.process .step::before {
  font-variant-numeric: tabular-nums;
  letter-spacing: .04em;
  margin-bottom: 14px;
}

/* Stats / logos alignment */
.stats-strip {
  align-items: stretch;
}
.stat-box {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 120px;
}
.logos-row {
  gap: 12px 14px;
  justify-content: center;
}

/* Newsletter / CTA alignment */
.newsletter {
  align-items: center;
}
.newsletter form {
  width: 100%;
  align-items: center;
}
.newsletter input {
  min-height: 48px;
}
.cta-band {
  align-items: center;
}

/* Contact form should fill grid column */
.contact-grid .form {
  max-width: none;
  width: 100%;
}
.form-row {
  align-items: start;
}
.form label {
  display: block;
  margin-bottom: 6px;
}
.form input[type="checkbox"] {
  width: auto;
  display: inline-block;
  vertical-align: middle;
}

/* Quote band */
.quote-band {
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

/* Integrations wrap nicely */
.integrations {
  align-items: stretch;
}
.integrations div {
  display: grid;
  place-items: center;
  min-height: 56px;
}

@media (max-width: 900px) {
  .stats-strip { grid-template-columns: 1fr 1fr !important; }
  .process { grid-template-columns: 1fr !important; }
  .integrations { grid-template-columns: repeat(3, 1fr) !important; }
  .newsletter, .contact-grid, .form-row { grid-template-columns: 1fr !important; }
  .faq summary { font-size: 14px; padding: 16px; }
  .faq details p { padding: 0 16px 16px; }
  .section-tight { padding: 28px 0 !important; }
}

.check-row label{display:flex;align-items:flex-start;gap:10px;font-weight:600;line-height:1.45;cursor:pointer}
.check-row input{margin-top:3px}
.nav{flex-wrap:wrap}
.nav .btn{white-space:nowrap}
@media(max-width:1100px){
  .nav-links{gap:14px;font-size:13px}
}

/* ---- UX readability / contrast / interaction fixes ---- */
/* ---- UX readability / contrast / interaction fixes ---- */
.stat-box span,
.process .step p,
.logos-row,
.contact-card p {
  opacity: 1 !important;
}
.stat-box span,
.process .step p {
  color: var(--muted) !important;
}
.faq details[open] summary::after {
  content: "–" !important;
}
.btn {
  transition: transform .35s var(--ease), background .25s ease, border-color .25s ease, box-shadow .25s ease, filter .25s ease !important;
}
input::placeholder,
textarea::placeholder {
  opacity: 1;
  color: #6b7f96;
}
.footer-grid a:hover {
  color: var(--ink, var(--text, #111));
}
.product.is-hidden,
[data-product].is-hidden {
  display: none !important;
}
.filter-panel {
  display: none;
  padding: 8px 0 12px;
  border-bottom: 1px solid var(--line, #e5e5e5);
}
.filter-group.open .filter-panel { display: block; }
.filter-group.open > button span { transform: rotate(45deg); display: inline-block; }
.filter-panel label {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 6px 0;
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  color: var(--muted, #525252);
}
.filter-chip-row { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0 16px; }
.filter-chip {
  border: 1px solid var(--line, #e5e5e5);
  background: #fff;
  border-radius: 999px;
  padding: 7px 12px;
  font: inherit;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
}
.filter-chip.active {
  background: var(--ink, #171717);
  color: #fff;
  border-color: transparent;
}
.filter-empty {
  display: none;
  color: var(--muted);
  padding: 20px 0;
}
.filter-empty.show { display: block; }


/* Insurely contrast */
:root {
  --teal: #0a6f64;
  --muted: #4a5d73;
  --line: #b8c9dc;
}
.btn-teal {
  background: #0a6f64 !important;
  color: #fff !important;
}
.btn-teal:hover {
  background: #086057 !important;
}
.btn-dark:hover {
  background: #1a2d45 !important;
}
.kicker { color: #0a6f64 !important; }
.form input,
.form textarea,
.form select {
  background: #fff;
  color: var(--ink);
  border: 1px solid #b7c9db;
}
.logos-row { color: #4a5d73; }



/* ---- Reviews section ---- */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 8px;
}
.review-card {
  padding: 24px 22px;
  border-radius: 18px;
  border: 1px solid var(--line, rgba(127,127,127,.2));
  background: var(--card, var(--panel, #fff));
  display: flex;
  flex-direction: column;
  gap: 14px;
  height: 100%;
  transition: transform .35s var(--ease, ease);
}
.review-card:hover { transform: translateY(-6px); }
.review-stars {
  color: #f59e0b;
  letter-spacing: 2px;
  font-size: 14px;
  line-height: 1;
}
.review-card > p {
  font-size: 15px;
  line-height: 1.55;
  flex: 1;
  margin: 0;
}
.review-author {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 4px;
}
.review-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 13px;
  letter-spacing: .02em;
  flex-shrink: 0;
}
.review-author strong {
  display: block;
  font-size: 14px;
}
.review-author .muted,
.review-author span:last-child {
  display: block;
  font-size: 12px;
  margin-top: 2px;
}
@media (max-width: 900px) {
  .reviews-grid { grid-template-columns: 1fr !important; }
}

/* ---- Modern standards baseline ---- */
:root {
  --bg: #eef3f8;
  --ink: #0b1c2c;
  --muted: #45607a;
  --teal: #0a6f64;
  --coral: #e35d4a;
  --line: #c5d5e6;
  --card: #ffffff;
  --focus: #0a6f64;
  --radius: 14px;
}
body { background: var(--bg); }


/* ---- Modern standards baseline ---- */
:focus-visible {
  outline: 3px solid var(--focus, #2563eb);
  outline-offset: 3px;
}
.skip-link {
  position: absolute;
  left: 12px;
  top: -48px;
  z-index: 1000;
  background: var(--focus, #111);
  color: #fff;
  padding: 10px 14px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 14px;
}
.skip-link:focus {
  top: 12px;
}
img { height: auto; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal { opacity: 1 !important; transform: none !important; filter: none !important; }
}
.cookie-bar {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 90;
  max-width: 720px;
  margin: 0 auto;
  display: none;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 16px;
  border-radius: 14px;
  background: rgba(15,15,15,.94);
  color: #fff;
  border: 1px solid rgba(255,255,255,.12);
  box-shadow: 0 16px 40px rgba(0,0,0,.25);
  font-size: 14px;
  line-height: 1.4;
}
.cookie-bar.show { display: flex; flex-wrap: wrap; }
.cookie-bar a { color: #fff; text-decoration: underline; }
.cookie-bar .btn { margin: 0; }
.to-top {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 80;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 0;
  cursor: pointer;
  display: none;
  place-items: center;
  font-weight: 800;
  background: var(--focus, #111);
  color: #fff;
  box-shadow: 0 10px 24px rgba(0,0,0,.2);
}
.to-top.show { display: grid; }
@media (max-width: 900px) {
  .cookie-bar { left: 10px; right: 10px; bottom: 10px; }
}

/* ---- Brand logo system ---- */
/* Insurely logo — custom "i" disc lettermark + lowercase word */
.logo.logo-insurely, .logo {
  display: inline-flex !important;
  align-items: baseline;
  gap: 0;
  text-decoration: none;
  font-family: "Space Grotesk", sans-serif;
}
.logo-insurely .logo-idot {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  margin-right: 2px;
  border-radius: 50%;
  background: #0a6f64;
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  line-height: 1;
  transform: translateY(3px);
}
.logo-insurely .logo-word {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -.03em;
  color: inherit;
}
header .logo-insurely .logo-word { color: #fff; }
footer .logo-insurely .logo-word { color: #0b1c2c !important; }
.logo-mark, .logo-text { display: none !important; }

/* ---- Unique motion / section language ---- */
/* Insurely motion — horizontal slide + timeline feel */
.reveal { opacity: 0; transform: translateX(-28px); transition: .8s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.process { position: relative; }
.process::before {
  content: ""; position: absolute; left: 8%; right: 8%; top: 28px; height: 2px;
  background: linear-gradient(90deg, transparent, var(--teal), transparent); opacity: .45;
}
.process .step { transition: transform .4s var(--ease), background .4s; }
.process .step:hover { transform: translateY(-6px); background: #fff; }
.card:hover { transform: translateY(-8px); border-color: var(--teal); }
.btn-teal { position: relative; overflow: hidden; }
.btn-teal::after {
  content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, transparent, rgba(255,255,255,.25), transparent);
  transform: translateX(-120%); transition: transform .6s;
}
.btn-teal:hover::after { transform: translateX(120%); }
.review-card { transition: transform .4s var(--ease), box-shadow .4s; }
.review-card:hover { transform: translateY(-8px); box-shadow: 0 18px 40px rgba(11,28,44,.08); }