:root{
  --navy:#102B4E!important;
  --mid:#3978AE!important;
  --sky:#9FC8E5!important;
  --wash:#F3F6F7!important;
  --ink:#182129!important;
  --muted:#58646C!important;
  --border:#DDE4E7!important;
  --radius:20px!important;
  --btn-radius:999px!important;
  --shadow:0 24px 70px -34px rgba(16,43,78,.34)!important;
}
html{scroll-behavior:smooth}
body{background:#FBFCFC}
.site-header,.top{background:rgba(251,252,252,.9);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border-bottom-color:rgba(16,43,78,.1)}
.hi{height:78px}.nav a{font-size:.94rem}.nav a:hover{background:#EEF3F5}
.btn{border-radius:999px;letter-spacing:.01em;box-shadow:0 8px 22px -16px rgba(16,43,78,.55);transition:transform .2s ease,background .2s ease,border-color .2s ease}
.btn-primary{background:linear-gradient(135deg,#102B4E,#1C4670)}
.btn-primary:hover{background:linear-gradient(135deg,#0B213C,#163B61);transform:translateY(-1px)}
.phone-link{border-radius:999px}
main:not(.stage){position:relative;padding:78px 0 110px;background:radial-gradient(circle at 8% 0,rgba(159,200,229,.24),transparent 25%),#FBFCFC}
main:not(.stage)::before{content:"";position:absolute;width:360px;height:360px;border:1px solid rgba(16,43,78,.07);border-radius:50%;left:-240px;top:80px;pointer-events:none}
.doc{max-width:820px;position:relative}
.doc>.eyebrow{display:inline-flex;align-items:center;gap:10px;color:var(--navy);font-size:.7rem;letter-spacing:.18em}
.doc>.eyebrow::before{content:"";width:28px;height:1px;background:var(--sky)}
.doc>h1,.center h1{font-size:clamp(3rem,6vw,5.4rem);letter-spacing:-.035em;line-height:.98;max-width:13ch}
.center h1{margin-left:auto;margin-right:auto}.doc>.lede,.center>.lede{font-size:1.18rem;line-height:1.65}
.doc h2{font-family:var(--serif);font-size:1.65rem;font-weight:400;letter-spacing:-.01em;margin-top:52px;padding-top:32px}
.doc h3{font-size:1.08rem}.doc p,.doc li{color:#33414A}.doc table{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 18px 55px -42px rgba(16,43,78,.55)}
.doc th,.doc td{padding:14px 16px}.doc th{background:#ECF2F4}.callout{padding:24px 26px;border-radius:18px;border:1px solid rgba(16,43,78,.08)}
.ph{background:transparent;padding:0}
.next a{padding:22px 24px;border-radius:18px;background:#fff;box-shadow:0 18px 55px -44px rgba(16,43,78,.55);transition:transform .2s ease,box-shadow .2s ease}
.next a:hover{transform:translateY(-2px);box-shadow:0 24px 60px -40px rgba(16,43,78,.5)}
.tick{width:82px;height:82px;background:linear-gradient(145deg,#E5F0F5,#F8FBFC);border:1px solid rgba(16,43,78,.08)}
.big404{font-size:7rem;color:var(--sky)}
.site-footer{background:#102B4E;padding-top:72px}

/* Quote journey */
body:has(.stage){background:radial-gradient(circle at 8% 0,rgba(159,200,229,.3),transparent 28%),linear-gradient(145deg,#F8FAFA,#ECF2F4);background-attachment:fixed}
.top-inner{height:76px}.progress{height:2px;background:rgba(16,43,78,.08)}.progress span{background:linear-gradient(90deg,var(--sky),var(--mid))}
.stage{max-width:780px;padding-top:50px}.screen{border:1px solid rgba(16,43,78,.09);border-radius:28px;box-shadow:0 34px 90px -52px rgba(16,43,78,.52);padding:38px 28px 28px}
.screen h1{font-size:clamp(2rem,4vw,3.25rem);letter-spacing:-.025em}.step-label{color:var(--navy);letter-spacing:.18em}.help{font-size:1.05rem}
.opt{border-radius:17px;background:#FCFDFD;padding:20px}.opt:hover{border-color:var(--sky);background:#F3F8FA;transform:translateY(-2px)}.opt.selected{border-color:var(--navy);background:#EEF4F6;box-shadow:0 14px 38px -30px rgba(16,43,78,.7)}
input{border-radius:14px;background:#FCFDFD}.check{border-radius:16px;background:#F8FAFA}.actions{background:linear-gradient(180deg,rgba(255,255,255,.88),#fff 28%)}
.summary{border-radius:18px}.thanks .tick{width:82px;height:82px}.reassure{padding-bottom:60px}
@media(min-width:600px){.screen{padding:50px 50px 38px}}
@media(max-width:699px){
  main:not(.stage){padding:56px 0 80px}.doc>h1,.center h1{font-size:clamp(2.6rem,13vw,4rem)}
  .hi{height:70px}.site-header .btn{padding-left:16px;padding-right:16px}.stage{padding:28px 14px 46px}.screen{border-radius:22px;padding:28px 20px 20px}
  .opts.cols-5{grid-template-columns:repeat(3,1fr)}.actions{position:static}.doc table{font-size:.88rem}.doc th,.doc td{padding:11px 12px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,.opt,.next a{transition:none}}