:root {
  --ink: #08263a;
  --ink-soft: #315469;
  --ocean: #087c8c;
  --ocean-deep: #075569;
  --foam: #e4f4ef;
  --coral: #ef6b4d;
  --sun: #f4c95d;
  --sand: #f7f1e3;
  --paper: #fffdf7;
  --line: rgba(8, 38, 58, 0.18);
  --shadow: 0 22px 60px rgba(5, 42, 58, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  background: var(--paper);
  color: var(--ink);
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  scroll-behavior: auto;
}

body {
  margin: 0;
  background:
    linear-gradient(90deg, transparent 0 49px, rgba(8, 124, 140, 0.07) 49px 50px, transparent 50px) 0 0 / 50px 50px,
    var(--paper);
}

a {
  color: var(--ocean-deep);
  text-decoration-thickness: 0.09em;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--coral);
}

:focus-visible {
  outline: 3px solid var(--sun);
  outline-offset: 4px;
}

img {
  display: block;
  max-width: 100%;
}

.skip-link {
  left: 1rem;
  position: fixed;
  top: -6rem;
  z-index: 20;
  background: var(--ink);
  color: white;
  padding: 0.8rem 1rem;
}

.skip-link:focus {
  top: 1rem;
}

.site-header {
  background: rgba(255, 253, 247, 0.96);
  border-bottom: 1px solid var(--line);
  padding: 1rem clamp(1rem, 4vw, 3.5rem);
}

.header-row {
  align-items: center;
  display: flex;
  gap: 1rem;
  justify-content: space-between;
  margin: 0 auto;
  max-width: 1320px;
}

.brand {
  align-items: center;
  color: var(--ink);
  display: inline-flex;
  font-size: 0.92rem;
  font-weight: 850;
  gap: 0.72rem;
  letter-spacing: 0.04em;
  text-decoration: none;
  text-transform: uppercase;
}

.brand-mark {
  align-items: center;
  background: var(--ocean-deep);
  border-radius: 50% 50% 46% 54%;
  color: white;
  display: inline-flex;
  font-size: 0.8rem;
  height: 2.9rem;
  justify-content: center;
  letter-spacing: 0.08em;
  transform: rotate(-5deg);
  width: 2.9rem;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.38rem;
  justify-content: flex-end;
}

.site-nav a {
  border: 1px solid transparent;
  border-radius: 999px;
  color: var(--ink);
  font-size: 0.79rem;
  font-weight: 720;
  padding: 0.48rem 0.66rem;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: var(--foam);
  border-color: rgba(8, 124, 140, 0.26);
  color: var(--ocean-deep);
}

main {
  overflow: hidden;
}

.shell {
  margin: 0 auto;
  max-width: 1180px;
  padding: clamp(3.2rem, 8vw, 7rem) clamp(1rem, 4vw, 3rem);
}

.eyebrow {
  color: var(--coral);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.16em;
  margin: 0 0 1rem;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  font-family: ui-rounded, "Arial Rounded MT Bold", ui-sans-serif, system-ui, sans-serif;
  letter-spacing: -0.035em;
  line-height: 1.05;
}

h1 {
  font-size: clamp(2.8rem, 7vw, 6.4rem);
  margin: 0;
  max-width: 950px;
}

h2 {
  font-size: clamp(2rem, 4.4vw, 3.6rem);
  margin: 0 0 1rem;
}

h3 {
  font-size: 1.35rem;
  margin: 0 0 0.65rem;
}

p,
li {
  line-height: 1.7;
}

.lede {
  color: var(--ink-soft);
  font-size: clamp(1.06rem, 2.2vw, 1.32rem);
  max-width: 760px;
}

.city-gallery {
  background: var(--ink);
  color: white;
  padding: clamp(1rem, 4vw, 3rem);
}

.postcard-row {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(12, 1fr);
  margin: 0 auto;
  max-width: 1360px;
}

.postcard {
  background: white;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.24);
  color: var(--ink);
  display: block;
  padding: 0.6rem 0.6rem 1rem;
  text-decoration: none;
  transform: rotate(-1.2deg);
}

.postcard:nth-child(1) {
  grid-column: 1 / 6;
}

.postcard:nth-child(2) {
  grid-column: 5 / 10;
  margin-top: 2.5rem;
  transform: rotate(1.6deg);
}

.postcard:nth-child(3) {
  grid-column: 9 / 13;
  transform: rotate(-0.8deg);
}

.postcard img {
  aspect-ratio: 4 / 3;
  object-fit: cover;
  width: 100%;
}

.postcard strong,
.postcard span {
  display: block;
}

.postcard strong {
  font-size: 1.08rem;
  margin: 0.75rem 0 0.25rem;
}

.postcard span {
  color: var(--ink-soft);
  font-size: 0.86rem;
}

.hero-grid,
.split-grid {
  display: grid;
  gap: clamp(2rem, 6vw, 5.5rem);
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
}

.hero-panel {
  background: var(--sand);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: clamp(1.6rem, 4vw, 3rem);
  transform: rotate(0.5deg);
}

.fact-ribbon {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
}

.fact-ribbon li {
  background: var(--foam);
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 760;
  padding: 0.6rem 0.9rem;
}

.button,
button[type="submit"] {
  background: var(--coral);
  border: 0;
  border-radius: 0.9rem;
  color: #22120d;
  cursor: pointer;
  display: inline-flex;
  font: inherit;
  font-weight: 850;
  justify-content: center;
  padding: 0.88rem 1.2rem;
  text-decoration: none;
}

.button:hover,
button[type="submit"]:hover {
  background: #ff8266;
  color: #160b07;
}

button[disabled] {
  cursor: wait;
  opacity: 0.65;
}

.guide-index {
  background: var(--ocean-deep);
  color: white;
}

.guide-cards {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 2rem;
}

.guide-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: white;
  min-height: 180px;
  padding: 1.25rem;
  text-decoration: none;
}

.guide-card:hover {
  background: rgba(255, 255, 255, 0.15);
  color: white;
}

.guide-card span {
  color: #bde7e8;
  display: block;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
  text-transform: uppercase;
}

.guide-card p {
  color: #e0f2f1;
  font-size: 0.93rem;
  margin-bottom: 0;
}

.page-intro {
  background: linear-gradient(125deg, var(--foam), var(--paper) 62%);
  border-bottom: 1px solid var(--line);
}

.article-shell {
  display: grid;
  gap: clamp(2rem, 5vw, 4rem);
  grid-template-columns: minmax(0, 2fr) minmax(230px, 0.7fr);
}

.insurance-guide,
.feature-copy,
.privacy-copy {
  font-size: 1.02rem;
}

.insurance-guide h2,
.feature-copy h2,
.privacy-copy h2 {
  font-size: clamp(1.7rem, 3.3vw, 2.5rem);
  margin-top: 2.2rem;
}

.sidebar-note,
.coverage-connection,
.source-card {
  background: var(--sand);
  border-left: 5px solid var(--coral);
  padding: 1.15rem 1.25rem;
}

.sidebar-note {
  align-self: start;
  position: sticky;
  top: 1rem;
}

.coverage-connection {
  background: var(--foam);
  border-color: var(--ocean);
  margin: 2rem 0;
}

.feature-image {
  background: var(--ink);
  color: white;
}

.feature-image img {
  aspect-ratio: 16 / 8.8;
  object-fit: cover;
  width: 100%;
}

.photo-credit {
  color: #d9eded;
  font-size: 0.82rem;
  margin: 0;
  padding: 0.7rem 1rem;
}

.source-list {
  padding-left: 1.2rem;
}

.form-panel {
  background: var(--ink);
  color: white;
  padding: clamp(1.4rem, 4vw, 2.8rem);
}

.form-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  display: grid;
  gap: 0.4rem;
}

.field-wide {
  grid-column: 1 / -1;
}

label {
  font-size: 0.9rem;
  font-weight: 760;
}

input,
select,
textarea {
  background: white;
  border: 2px solid transparent;
  border-radius: 0.6rem;
  color: var(--ink);
  font: inherit;
  min-height: 3rem;
  padding: 0.7rem 0.8rem;
  width: 100%;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--sun);
  outline: none;
}

textarea {
  min-height: 8rem;
  resize: vertical;
}

.captcha-note,
.submit-note,
.form-status {
  color: #d6ebea;
  font-size: 0.88rem;
}

.page-challenge {
  margin: 1rem 0 0;
  min-height: 1.5em;
  color: #d6ebea;
  font-size: .88rem;
  font-weight: 700;
}

.submit-row {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.2rem;
}

.form-status {
  min-height: 1.5rem;
}

.page-footer {
  background: var(--sand);
  border-top: 1px solid var(--line);
  padding: 2.4rem clamp(1rem, 4vw, 3rem);
}

.footer-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: 1.5fr 1fr;
  margin: 0 auto;
  max-width: 1180px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.agency-line {
  font-weight: 850;
  margin: 0;
}

.fine-print {
  color: var(--ink-soft);
  font-size: 0.86rem;
  margin-bottom: 0;
}

@media (max-width: 940px) {
  .header-row {
    align-items: flex-start;
    flex-direction: column;
  }

  .site-nav {
    flex-wrap: nowrap;
    justify-content: flex-start;
    max-width: 100%;
    overflow-x: auto;
    padding-bottom: 0.35rem;
  }

  .site-nav a {
    white-space: nowrap;
  }

  .hero-grid,
  .split-grid,
  .article-shell {
    grid-template-columns: 1fr;
  }

  .sidebar-note {
    position: static;
  }

  .guide-cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 680px) {
  .postcard-row {
    display: flex;
    overflow-x: auto;
    padding: 1rem 0.3rem 2rem;
    scroll-snap-type: x mandatory;
  }

  .postcard,
  .postcard:nth-child(1),
  .postcard:nth-child(2),
  .postcard:nth-child(3) {
    flex: 0 0 82vw;
    margin-top: 0;
    scroll-snap-align: center;
  }

  .guide-cards,
  .form-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  h1 {
    font-size: clamp(2.45rem, 14vw, 4.2rem);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
  }
}

@media (max-width: 680px) {
  .site-nav {
    display: grid;
    gap: 0.35rem 0.55rem;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    overflow: visible;
    padding-bottom: 0;
    width: 100%;
  }

  .site-nav a {
    border-radius: 0.75rem;
    min-width: 0;
    white-space: normal;
  }

  .postcard-row {
    display: grid;
    grid-template-columns: 1fr;
    overflow: visible;
  }

  .postcard,
  .postcard:nth-child(1),
  .postcard:nth-child(2),
  .postcard:nth-child(3) {
    grid-column: 1;
    margin-top: 0;
    transform: none;
    width: 100%;
  }

  .hero-grid > *,
  .split-grid > *,
  .article-shell > *,
  .footer-grid > * {
    min-width: 0;
  }

}

@media (max-width: 360px) {
  .site-header,
  .shell {
    padding-left: 0.75rem;
    padding-right: 0.75rem;
  }

  h1 {
    font-size: 2.25rem;
  }
}