:root {
  --ink: #172f53;
  --muted: #5b5a5a;
  --line: #d9dee6;
  --paper: #f6f7f9;
  --white: #ffffff;
  --navy: #173f73;
  --navy-dark: #0e294d;
  --charcoal: #504e4e;
  --steel: #6f849c;
  --silver: #edf0f4;
  --radius: 8px;
  --shadow: 0 18px 42px rgba(14, 41, 77, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.5;
}

a {
  color: inherit;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}

.brand-logo {
  width: 58px;
  height: 58px;
  object-fit: contain;
  border-radius: 6px;
  background: var(--white);
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

nav {
  display: flex;
  align-items: center;
  gap: clamp(12px, 2vw, 28px);
  color: var(--muted);
  font-weight: 700;
  font-size: 14px;
}

nav a {
  text-decoration: none;
}

.hero {
  position: relative;
  min-height: 680px;
  display: grid;
  align-items: end;
  overflow: hidden;
}

.hero-image,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-image {
  object-fit: cover;
}

.hero-overlay {
  background: linear-gradient(90deg, rgba(14, 41, 77, 0.92) 0%, rgba(23, 63, 115, 0.72) 48%, rgba(80, 78, 78, 0.18) 100%);
}

.hero-content {
  position: relative;
  width: min(780px, calc(100% - 36px));
  margin: 0 auto;
  padding: 120px 0 78px;
  color: var(--white);
}

.hero-logo {
  width: min(210px, 52vw);
  height: auto;
  margin-bottom: 24px;
  padding: 10px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 14px 34px rgba(0, 0, 0, 0.18);
}

.eyebrow {
  margin: 0 0 12px;
  color: #dce7f4;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 740px;
  margin-bottom: 18px;
  font-size: clamp(38px, 6vw, 72px);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 14px;
  font-size: clamp(28px, 4vw, 46px);
  line-height: 1.05;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 8px;
  font-size: 20px;
  line-height: 1.2;
}

.hero-copy {
  max-width: 620px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 19px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border: 0;
  border-radius: var(--radius);
  font: inherit;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}

.button.primary {
  color: var(--white);
  background: var(--navy);
}

.button.secondary {
  color: var(--white);
  background: rgba(255, 255, 255, 0.18);
  border: 1px solid rgba(255, 255, 255, 0.42);
}

.button.dark {
  color: var(--white);
  background: var(--charcoal);
}

.button.full {
  width: 100%;
}

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  padding: 18px;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.trust-strip span {
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--navy);
  font-weight: 800;
  font-size: 14px;
}

.section {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
  padding: 80px 0;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(340px, 0.72fr);
  gap: clamp(28px, 6vw, 72px);
  align-items: center;
}

.check-list {
  display: grid;
  gap: 10px;
  padding: 0;
  margin: 24px 0 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 28px;
  color: var(--muted);
  font-weight: 700;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--navy);
  font-weight: 900;
}

.lead-card {
  display: grid;
  gap: 14px;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

label {
  display: grid;
  gap: 6px;
  color: var(--muted);
  font-weight: 800;
  font-size: 14px;
}

input,
select {
  width: 100%;
  min-height: 44px;
  padding: 10px 12px;
  border: 1px solid #cfd6df;
  border-radius: var(--radius);
  color: var(--ink);
  background: #fff;
  font: inherit;
}

.field-help {
  color: var(--muted);
  font-size: 12px;
  font-weight: 600;
  line-height: 1.35;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 12px;
}

.consent {
  grid-template-columns: 18px 1fr;
  align-items: start;
  gap: 10px;
  font-size: 12px;
  line-height: 1.4;
}

.consent input {
  min-height: auto;
  margin-top: 2px;
}

.form-note {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 28px;
}

.topic-grid,
.video-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.topic-grid article,
.video-card {
  min-height: 170px;
  padding: 22px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.topic-grid p,
.video-card p {
  margin-bottom: 0;
  color: var(--muted);
}

.video-section {
  width: 100%;
  max-width: none;
  padding: 80px clamp(18px, 4vw, 56px);
  background: var(--silver);
}

.video-section .section-heading,
.video-section .video-grid {
  width: min(1180px, 100%);
  margin-left: auto;
  margin-right: auto;
}

.video-thumb {
  display: grid;
  place-items: center;
  height: 180px;
  margin: -22px -22px 18px;
  border-radius: var(--radius) var(--radius) 0 0;
  background-size: cover;
  background-position: center;
}

.video-thumb span {
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  padding-left: 4px;
  border-radius: 50%;
  color: var(--navy-dark);
  background: rgba(255, 255, 255, 0.9);
  font-weight: 900;
}

.deductible {
  background-image: linear-gradient(rgba(23, 63, 115, 0.34), rgba(80, 78, 78, 0.2)), url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=900&q=80");
}

.maximum {
  background-image: linear-gradient(rgba(23, 63, 115, 0.28), rgba(80, 78, 78, 0.24)), url("https://images.unsplash.com/photo-1563986768609-322da13575f3?auto=format&fit=crop&w=900&q=80");
}

.network {
  background-image: linear-gradient(rgba(23, 63, 115, 0.26), rgba(80, 78, 78, 0.16)), url("https://images.unsplash.com/photo-1516321318423-f06f85e504b3?auto=format&fit=crop&w=900&q=80");
}

.doctor {
  background-image: linear-gradient(rgba(23, 63, 115, 0.26), rgba(80, 78, 78, 0.18)), url("https://images.unsplash.com/photo-1550831107-1553da8c8464?auto=format&fit=crop&w=900&q=80");
}

.article-band {
  display: grid;
  grid-template-columns: 0.85fr 1fr;
  gap: clamp(24px, 5vw, 58px);
  align-items: center;
}

.article-band img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

footer {
  display: grid;
  grid-template-columns: 0.5fr 1fr;
  gap: 32px;
  padding: 34px clamp(18px, 4vw, 56px);
  color: rgba(255, 255, 255, 0.86);
  background: var(--navy-dark);
}

footer p {
  margin-bottom: 0;
}

.fine-print {
  font-size: 12px;
}

@media (max-width: 860px) {
  .topbar {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero {
    min-height: 640px;
  }

  .hero-overlay {
    background: rgba(14, 41, 77, 0.8);
  }

  .split,
  .article-band,
  footer {
    grid-template-columns: 1fr;
  }

  .topic-grid,
  .video-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 520px) {
  nav {
    width: 100%;
    justify-content: space-between;
  }

  .hero-content {
    padding-bottom: 52px;
  }

  .hero-actions .button {
    width: 100%;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .section,
  .video-section {
    padding-top: 58px;
    padding-bottom: 58px;
  }
}