:root {
  --navy: #0a2540;
  --navy-2: #0f3358;
  --blue: #1f6fe0;
  --blue-dark: #1857b8;
  --teal: #0ea5a4;
  --amber: #f59e0b;
  --amber-dark: #d97706;
  --green: #15925a;
  --green-dark: #0f7a49;
  --ink: #16202c;
  --muted: #55677a;
  --line: #e2e8f1;
  --bg: #ffffff;
  --bg-soft: #f4f8fc;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(10, 37, 64, 0.10);
  --maxw: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

h1, h2, h3 { line-height: 1.2; color: var(--navy); margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 5vw, 3.1rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); letter-spacing: -0.01em; }
p { margin: 0 0 1rem; }

/* Buttons */
.btn {
  display: inline-block;
  background: var(--amber);
  color: var(--navy);
  text-decoration: none;
  font-weight: 800;
  padding: .8rem 1.4rem;
  border-radius: 999px;
  border: 0;
  cursor: pointer;
  transition: background .15s ease, transform .05s ease;
  font-size: 1rem;
  white-space: nowrap;
}
.btn:hover { background: var(--amber-dark); }
.btn:active { transform: translateY(1px); }
.btn-lg { padding: 1rem 1.8rem; font-size: 1.075rem; }
.btn-sm { padding: .55rem 1rem; font-size: .95rem; }
.btn-block { width: 100%; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 80px; }
.header-inner .btn { flex: none; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; min-width: 0; }
.brand-mark { height: 54px; width: auto; display: block; }
.brand-lockup { display: flex; flex-direction: column; gap: 3px; line-height: 1.05; }
.brand-name { font-size: 1.25rem; font-weight: 800; letter-spacing: -0.02em; color: var(--navy); white-space: nowrap; }
.brand-name .bn-blue { color: var(--blue); }
.brand-tag { display: flex; align-items: center; gap: 8px; font-size: .72rem; font-weight: 600; color: var(--muted); }
.tag-item { display: inline-flex; align-items: center; gap: 4px; white-space: nowrap; }
.tag-ico { width: 14px; height: 14px; flex: none; }
.tag-sep { color: var(--line); }

/* Hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, #12457a 100%); color: #eaf2fb; padding: 44px 0 72px; }
.hero-inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; }
.hero-copy h1 { color: #fff; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: #7fb2e6; margin-bottom: .6rem; }
.lede { font-size: 1.15rem; color: #c7d8ea; max-width: 34ch; }
.trust-row { list-style: none; padding: 0; margin: 1.5rem 0 0; display: flex; flex-wrap: wrap; gap: 1rem 1.5rem; font-size: .95rem; color: #bcd2e8; }
.trust-row li { font-weight: 600; }

.hero-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 12px; }
.quote-chip { display: flex; align-items: center; justify-content: space-between; background: #fff; color: var(--ink); border-radius: 10px; padding: 14px 16px; box-shadow: var(--shadow); }
.chip-label { font-weight: 700; color: var(--navy); }
.chip-price { color: var(--green-dark); font-weight: 700; }
.hero-card-note { margin: 4px 2px 0; font-size: .78rem; color: #a9c2da; }

/* Sections */
section { padding: 64px 0; }
.section-sub { color: var(--muted); margin-top: -.3rem; margin-bottom: 2rem; }
.coverage { background: var(--bg); }
.steps { background: var(--bg-soft); }

.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; transition: box-shadow .15s ease, transform .15s ease; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card h3 { font-size: 1.15rem; }
.card p { color: var(--muted); margin: 0; }

.step { text-align: left; }
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 800; margin-bottom: 12px; }
.step p { color: var(--muted); margin: 0; }

/* Quote */
.quote { background: var(--bg); }
.quote-inner { display: grid; grid-template-columns: .9fr 1.1fr; gap: 44px; align-items: start; }
.quote-copy { position: sticky; top: 100px; }
.quote-mark { height: 60px; width: auto; display: block; margin-bottom: 14px; }
.quote-copy p { color: var(--muted); font-size: 1.05rem; }
.quote-form { background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.field { margin-bottom: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy); }
input, select { width: 100%; padding: .7rem .8rem; border: 1px solid #cdd7e3; border-radius: 10px; font-size: 1rem; font-family: inherit; background: #fff; color: var(--ink); }
input:focus, select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,99,235,0.15); }
.form-fineprint { font-size: .78rem; color: var(--muted); margin: 12px 0 0; }
.form-success { margin: 14px 0 0; padding: 12px 14px; background: #e7f7ec; border: 1px solid #b7e4c7; color: var(--green-dark); border-radius: 10px; font-weight: 600; }
.form-error { margin: 14px 0 0; padding: 12px 14px; background: #fdecea; border: 1px solid #f5c2be; color: #9f1c13; border-radius: 10px; font-weight: 600; }
/* Honeypot: parked off-screen (not display:none — some bots skip invisible fields). */
.hp-field { position: absolute !important; left: -9999px !important; top: auto !important; width: 1px; height: 1px; overflow: hidden; }
.cf-turnstile { margin: 4px 0 12px; }

/* Footer */
.site-footer { background: var(--navy); color: #a9c2da; padding: 56px 0; text-align: center; }
.footer-lockup { display: flex; align-items: center; justify-content: center; gap: 12px; margin-bottom: 1.6rem; }
.footer-mark { height: 46px; width: auto; display: block; }
.footer-name { font-size: 1.18rem; font-weight: 800; letter-spacing: -0.02em; color: #fff; }
.footer-name .fn-blue { color: #5fa3f0; }
.footer-disclaimer { font-size: .82rem; line-height: 1.75; margin: 0 auto; color: #92aecb; }
.footer-affiliate { display: block; margin-top: 1.1rem; color: #7f9cbb; }
.footer-legal { font-size: .8rem; color: #6f8bab; margin: 1.8rem auto 0; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.09); }

/* Responsive */
@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .quote-inner { grid-template-columns: 1fr; gap: 28px; }
  .quote-copy { position: static; }
  .grid, .grid-3 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .header-inner { height: 66px; }
  .brand-mark { height: 44px; }
  .brand-name { font-size: 1.05rem; }
  .brand-tag { display: none; }
}
@media (max-width: 560px) {
  .grid, .grid-3, .field-row { grid-template-columns: 1fr; }
  .hero { padding: 22px 0 52px; }
  .hero .eyebrow { margin-bottom: .4rem; }
  .hero h1 { font-size: 1.72rem; }
  section { padding: 48px 0; }
  .brand-name { font-size: .98rem; white-space: normal; line-height: 1.12; }
  .brand-mark { height: 42px; }
}

/* ---------- Header nav (Guides) ---------- */
.main-nav { display: flex; align-items: center; gap: 22px; margin-left: auto; margin-right: 18px; }
.main-nav a { color: var(--navy); text-decoration: none; font-weight: 700; font-size: .98rem; }
.main-nav a:hover { color: var(--blue); }
@media (max-width: 560px) { .main-nav { gap: 14px; margin-right: 10px; } .main-nav a { font-size: .9rem; } }

/* ---------- Breadcrumbs ---------- */
.crumbs { font-size: .82rem; color: var(--muted); padding: 16px 0 0; }
.crumbs a { color: var(--blue); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

/* ---------- Article ---------- */
.post-hero { background: var(--bg-soft); border-bottom: 1px solid var(--line); padding: 20px 0 40px; }
.post-hero .eyebrow { color: var(--blue); font-weight: 800; letter-spacing: .04em; text-transform: uppercase; font-size: .78rem; margin: 0 0 .7rem; }
.reading { max-width: 748px; margin: 0 auto; }
/* neutralize the global section padding inside articles; spacing is controlled per-block */
.article-body section, .article-body .faq, .article-body .related { padding: 0; }
.article-body { padding: 44px 0 12px; line-height: 1.72; }
.article-body > .reading > p { margin: 0 0 1.2rem; }
.article-body h2 { margin: 2.6rem 0 .7em; }
.article-body h3 { font-size: 1.14rem; margin: 1.7rem 0 .5em; }
.article-body ul { padding-left: 1.25rem; margin: 0 0 1.4rem; }
.article-body li { margin: 0 0 .6rem; }
.article-body li:last-child { margin-bottom: 0; }
.article-body a { color: var(--blue-dark); font-weight: 600; }
.disclosure-inline { font-size: .8rem; color: var(--muted); background: var(--bg-soft); border: 1px solid var(--line); border-radius: 10px; padding: .7rem .9rem; margin: 0 0 1.8rem; }
.cta-row { margin: 1.8rem 0; }
.why-box { background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; margin: 2.4rem 0; }
.why-box h2 { margin-top: 0; }
.why-box p { margin: 0; }
.faq { margin-top: 2.8rem; }
.faq > h2 { margin-bottom: 1rem; }
.faq-item { border-top: 1px solid var(--line); padding: 1.15rem 0; }
.faq-item:last-child { border-bottom: 1px solid var(--line); }
.faq-item h3 { margin: 0 0 .4rem; }
.faq-item p { margin: 0; color: #33465b; }
.related { margin: 2.8rem 0 0; }
.related > h2 { margin-bottom: 1rem; }
.related ul { list-style: none; padding: 0; margin: 0; }
.related li { margin: 0 0 .75rem; }
.related a { font-weight: 700; }
.article-disclaimer { font-size: .76rem; line-height: 1.6; color: var(--muted); border-top: 1px solid var(--line); margin-top: 2.8rem; padding-top: 1.4rem; }

/* ---------- Blog hub ---------- */
.hub-hero { padding: 40px 0 8px; }
.hub-hero p.section-sub { max-width: 60ch; }
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding: 24px 0 8px; }
.post-card { display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-decoration: none; background: #fff; transition: box-shadow .15s ease, transform .05s ease; }
.post-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.post-card .tag { display: inline-block; font-size: .72rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; color: var(--teal); margin-bottom: .5rem; }
.post-card h3 { font-size: 1.05rem; margin: 0 0 .4rem; }
.post-card p { font-size: .9rem; color: var(--muted); margin: 0; }
.post-card .card-cta { margin-top: auto; padding-top: .8rem; color: var(--blue); font-weight: 700; font-size: .9rem; }
@media (max-width: 860px) { .post-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .post-grid { grid-template-columns: 1fr; } }

/* ---------- Homepage guides teaser ---------- */
.guides { background: var(--bg-soft); }
.guides .post-grid { padding-top: 8px; }

/* ---------- Footer nav ---------- */
.footer-nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 22px; margin: 0 auto 1.4rem; max-width: 760px; }
.footer-nav a { color: #bcd4ec; text-decoration: none; font-size: .82rem; font-weight: 600; }
.footer-nav a:hover { color: #fff; }

/* ---------- Hero lead form ---------- */
.hero-inner { align-items: start; }
.hero-form-wrap { }
.hero .quote-form { background: #fff; box-shadow: var(--shadow); padding: 24px; }
.quote-form-head { margin: 0 0 16px; }
.quote-form-head strong { display: block; font-size: 1.2rem; color: var(--navy); letter-spacing: -.01em; }
.quote-form-head span { font-size: .85rem; color: var(--muted); }
.hero .form-fineprint strong { color: var(--ink); }

/* ---------- Hero Hiscox CTA ----------
   Sits directly under the h1 (above the lede) so the primary affiliate
   CTA is visible without scrolling on both desktop and mobile. */
.hero-cta-row { margin: 1.1rem 0 1.4rem; display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.hero-cta-row .btn { white-space: normal; text-align: center; }
.hero-cta-note { font-size: .82rem; color: #a9c2da; }
.cta-row .hero-cta-note { display: block; margin-top: 8px; color: var(--muted); }

/* ---------- Article data tables ---------- */
.table-scroll { overflow-x: auto; margin: 0 0 1.4rem; }
.data-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.data-table caption { caption-side: bottom; text-align: left; font-size: .78rem; color: var(--muted); padding-top: .6rem; }
.data-table th, .data-table td { border: 1px solid var(--line); padding: .6rem .8rem; text-align: left; vertical-align: top; }
.data-table thead th { background: var(--bg-soft); color: var(--navy); font-size: .85rem; text-transform: uppercase; letter-spacing: .03em; }
.data-table tbody tr:nth-child(even) { background: #fafcfe; }
.data-table td strong { color: var(--navy); }

/* ---------- Bottom CTA band ---------- */
.cta-band { background: var(--bg-soft); text-align: center; border-top: 1px solid var(--line); }
.cta-band h2 { margin-bottom: .3rem; }
.cta-band p { color: var(--muted); margin: 0 auto 1.3rem; max-width: 52ch; }