:root {
      --primary: #0f172a;
      --accent: #f97316;
      --light: #f8fafc;
      --muted: #64748b;
      --white: #ffffff;
      --border: #e2e8f0;
    }

    * { box-sizing: border-box; }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--primary);
      background: var(--light);
      line-height: 1.6;
    }

    a { color: inherit; }

    .top-bar {
      background: var(--primary);
      color: var(--white);
      padding: 12px 20px;
      text-align: center;
      font-size: 15px;
    }

    .top-bar a {
      color: var(--white);
      font-weight: 700;
      text-decoration: none;
    }

    .hero {
      background: linear-gradient(135deg, #0f172a 0%, #1e293b 60%, #334155 100%);
      color: var(--white);
      padding: 70px 20px;
    }

    .container {
      max-width: 1120px;
      margin: 0 auto;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1.2fr .8fr;
      gap: 40px;
      align-items: center;
    }

    .eyebrow {
      color: #fed7aa;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: .08em;
      font-size: 14px;
      margin-bottom: 12px;
    }

    h1 {
      font-size: clamp(38px, 6vw, 62px);
      line-height: 1.05;
      margin: 0 0 18px;
    }

    .hero p {
      font-size: 20px;
      color: #e2e8f0;
      margin-bottom: 28px;
    }

    .cta-row {
      display: flex;
      gap: 14px;
      flex-wrap: wrap;
    }
	.row{
	background-color: #0a2540;
	}
        /* NAVBAR */
.navbar {
    padding: 15px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    position: relative;
}

/* LOGO */
.logo {
    color: #ffffff;
    font-size: 20px;
    font-weight: bold;
}

.navbar img.mx-auto {
    width: 150px;
    background: #fff;
    border-radius: 5px;
    padding: 2px;
}

/* NAV LINKS (DESKTOP) */
.nav-links {
    list-style: none;
    display: flex;
    gap: 20px;
    margin: 0;
}

.nav-links li a {
    color: white;
    text-decoration: none;
    font-size: 15px;
}
.nav-links a:hover{
	color:#fed7aa;
}
.nav-links a.active{
	color:#fed7aa;
}
.nav-links li a:hover {
    text-decoration: underline;
}

/* HAMBURGER (HIDDEN BY DEFAULT) */
.menu-toggle {
    display: none;
    font-size: 28px;
    color: white;
    cursor: pointer;
}

/* =========================
   MOBILE STYLES
========================= */
@media (min-width: 769px) and (max-width: 820px){
.nav-links {
    gap: 13px;
}
.nav-links li a {
    font-size: 14px;
}
}
@media (max-width: 768px) {

    /* Show hamburger */
    .menu-toggle {
        display: block;
    }

    /* Hide menu initially */
    .nav-links {
        position: absolute;
        top: 70px;
        left: 0;
        width: 100%;
        background:#0f172a;
        flex-direction: column;
        align-items: center;
        display: none;
        padding: 15px 0 20px 0;
    }

    /* Show when active */
    .nav-links.active {
        display: flex;
    }

    .nav-links li {
        margin: 2px 0;
		line-hegight:18px;
    }
}
    .btn {
      display: inline-block;
      padding: 15px 22px;
      border-radius: 999px;
      text-decoration: none;
      font-weight: 700;
      transition: .2s ease;
    }

    .btn-primary {
      background: var(--accent);
      color: var(--white);
    }

    .btn-secondary {
      background: var(--white);
      color: var(--primary);
    }

    .btn:hover { transform: translateY(-2px); }

    .quote-card {
      background: var(--white);
      color: var(--primary);
      border-radius: 22px;
      padding: 28px;
      box-shadow: 0 20px 45px rgba(0,0,0,.22);
    }

    .quote-card h2 {
      margin-top: 0;
      font-size: 26px;
    }

    .quote-card input,
    .quote-card select,
    .quote-card textarea {
      width: 100%;
      padding: 13px 14px;
      margin-bottom: 12px;
      border: 1px solid var(--border);
      border-radius: 10px;
      font-size: 15px;
    }

    .quote-card button {
      width: 100%;
      border: none;
      cursor: pointer;
      font-size: 16px;
    }

    section {
      padding: 60px 20px;
    }

    .section-title {
      font-size: 36px;
      line-height: 1.15;
      margin: 0 0 14px;
      text-align: center;
    }

    .section-subtitle {
      max-width: 760px;
      margin: 0 auto 34px;
      text-align: center;
      color: var(--muted);
      font-size: 18px;
    }

    .cards {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 22px;
    }

    .card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: 18px;
      padding: 24px;
      box-shadow: 0 10px 25px rgba(15, 23, 42, .06);
    }

    .card h3 {
      margin-top: 0;
      font-size: 22px;
    }

    .coverage-list {
      columns: 2;
      max-width: 850px;
      margin: 0 auto;
      background: var(--white);
      border-radius: 18px;
	  color:#0f172a;
      padding: 28px 40px;
      border: 1px solid var(--border);
    }

    .coverage-list li {
      margin-bottom: 10px;
      break-inside: avoid;
    }

    .dark-section {
      background: var(--primary);
      color: var(--white);
    }

    .dark-section .section-subtitle {
      color: #cbd5e1;
    }

    .steps {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 18px;
    }

    .step {
      background: rgba(255,255,255,.08);
      border: 1px solid rgba(255,255,255,.12);
      border-radius: 18px;
      padding: 22px;
    }

    .step-number {
      width: 38px;
      height: 38px;
      border-radius: 50%;
      background: var(--accent);
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 700;
      margin-bottom: 14px;
    }

    .faq {
      max-width: 850px;
      margin: 0 auto;
    }

    .faq details {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: 14px;
      padding: 18px 20px;
      margin-bottom: 12px;
    }

    .faq summary {
      font-weight: 700;
      cursor: pointer;
      font-size: 18px;
    }

    .final-cta {
      text-align: center;
      background: #fff7ed;
    }

    footer {
      background: var(--primary);
      color: #cbd5e1;
      padding: 26px 20px;
      text-align: center;
      font-size: 14px;
    }

    @media (max-width: 900px) {
      .hero-grid,
      .cards,
      .steps {
        grid-template-columns: 1fr;
      }

      .coverage-list {
        columns: 1;
      }
    }