@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('../fonts/dm-sans-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('../fonts/dm-sans-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-400-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-400-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-500-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-500-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-700-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Saira Semi Condensed';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/saira-semi-condensed-700-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  --ink: #1f3a79;
  --ink-2: #102b4f;
  --paper: #f4f1e9;
  --paper-2: #fffdf8;
  --white: #ffffff;
  --blue: #008fd3;
  --blue-deep: #2d4f9f;
  --line: rgba(7, 24, 47, .17);
  --muted: #657185;
  --signal: #7ac9e6;
  --danger: #b53b3b;
  --shadow: 0 28px 80px rgba(7, 24, 47, .14);
  --sans: "DM Sans", Arial, sans-serif;
  --serif: "Saira Semi Condensed", Georgia, serif;
  --max: 1280px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background:
    linear-gradient(rgba(7,24,47,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(7,24,47,.035) 1px, transparent 1px),
    var(--paper);
  background-size: 32px 32px;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
body.nav-open { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
::selection { background: var(--signal); color: var(--ink); }

.skip-link {
  position: fixed;
  left: 16px;
  top: -80px;
  z-index: 2000;
  padding: 12px 16px;
  background: var(--ink);
  color: white;
  text-decoration: none;
  transition: top .2s ease;
}
.skip-link:focus { top: 16px; }

.loader {
  position: fixed;
  inset: 0;
  z-index: 4000;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 20px;
  background: var(--paper);
  opacity: 1;
  visibility: visible;
  transition: opacity .5s ease, visibility 0s linear 0s;
}
.loader__logo { width: 132px; height: auto; }
.loader__bar { position: relative; width: 140px; height: 3px; background: var(--line); overflow: hidden; }
.loader__bar::after {
  content: "";
  position: absolute;
  inset: 0;
  width: 40%;
  background: var(--blue);
  animation: loaderSlide 1.1s ease-in-out infinite;
}
@keyframes loaderSlide {
  0% { transform: translateX(-120%); }
  50% { transform: translateX(120%); }
  100% { transform: translateX(360%); }
}
body.is-loaded .loader {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .5s ease, visibility 0s linear .5s;
}

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 880px); margin-inline: auto; }
.section { padding: clamp(76px, 9vw, 138px) 0; }
.section--tight { padding: clamp(52px, 6vw, 84px) 0; }
.section--ink { background: var(--ink); color: var(--white); }
.section--paper2 { background: var(--paper-2); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 20px;
  color: var(--blue-deep);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .17em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 30px; height: 2px; background: currentColor; }
.section--ink .eyebrow { color: #7ed7ff; }

.display {
  margin: 0;
  max-width: 14ch;
  font-family: var(--serif);
  font-size: clamp(3.25rem, 8vw, 5.7rem);
  line-height: .89;
  letter-spacing: -.045em;
  font-weight: 600;
  text-transform: uppercase;
}
.display em { color: var(--blue); font-weight: 500; }
.h1 {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(3.25rem, 7vw, 4.2rem);
  line-height: .93;
  letter-spacing: -.04em;
  font-weight: 700;
  text-transform: uppercase;
}
.h2 {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
  line-height: 1;
  letter-spacing: -.03em;
  font-weight: 600;
}
.h3 { margin: 0; font-size: clamp(1.25rem, 2vw, 1.7rem); line-height: 1.2; }
.lead { max-width: 680px; margin: 26px 0 0; font-size: clamp(1.08rem, 1.5vw, 1rem); color: #36455b; }
.section--ink .lead { color: rgba(255,255,255,.72); }
.muted { color: var(--muted); }
.text-link {
  display: inline-flex;
  gap: 10px;
  align-items: center;
  font-weight: 700;
  text-decoration-thickness: 1px;
  text-underline-offset: 5px;
}
.text-link::after { content: "↗"; transition: transform .2s ease; }
.text-link:hover::after { transform: translate(3px, -3px); }

.button {
  --btn-bg: var(--ink);
  --btn-fg: white;
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 13px 20px;
  border: 1px solid var(--btn-bg);
  background: var(--btn-bg);
  color: var(--btn-fg);
  text-decoration: none;
  font-weight: 600;
  transition: transform .2s ease, background .2s ease, color .2s ease;
}
.button::after { content: "→"; }
.button:hover { transform: translateY(-3px); }
.button--blue { --btn-bg: var(--blue); }
.button--light { --btn-bg: white; --btn-fg: var(--ink); }
.button--outline { --btn-bg: transparent; --btn-fg: var(--ink); border-color: var(--ink); }
.button--outline::after { content: "↗"; }
.section--ink .button--outline { --btn-fg: white; border-color: rgba(255,255,255,.5); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(244, 241, 233, .94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}
.topline {
  border-bottom: 1px solid var(--line);
  font-size: .78rem;
  letter-spacing: .04em;
}
.topline__inner { min-height: 34px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.topline__inner p { margin: 0; }
.topline__links { display: flex; gap: 22px; }
.topline a { text-decoration: none; }
.topline a:hover { text-decoration: underline; text-underline-offset: 4px; }
.navbar { min-height: 88px; display: grid; grid-template-columns: minmax(260px, 390px) 1fr auto; align-items: center; gap: 24px; }
.logo { display: inline-block; width: min(100%, 380px); }
.logo img { width: 100%; height: auto; }
.nav-links { display: flex; justify-content: center; gap: clamp(15px, 2vw, 30px); }
.nav-links a {
  position: relative;
  color: var(--ink);
  font-size: .9rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}
.page-hero-ubezpieczenia p.eyebrow {color:#fff}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 100%;
  bottom: -8px;
  height: 2px;
  background: var(--blue);
  transition: right .2s ease;
}
.nav-links a:hover::after,
.nav-links a[aria-current="page"]::after { right: 0; }
.nav-cta { font-size: .86rem; padding-inline: 16px; min-height: 46px; }
.menu-toggle {
  display: none;
  width: 48px;
  height: 48px;
  border: 0px solid var(--ink);
  background: transparent;
  align-items: center;
  justify-content: center;
}
.menu-toggle span,
.menu-toggle span::before,
.menu-toggle span::after { display: block; width: 20px; height: 2px; background: var(--ink); transition: .2s ease; }
.menu-toggle span { position: relative; }
.menu-toggle span::before,
.menu-toggle span::after { content: ""; position: absolute; left: 0; }
.menu-toggle span::before { top: -7px; }
.menu-toggle span::after { top: 7px; }
.nav-open .menu-toggle span { background: transparent; }
.nav-open .menu-toggle span::before { top: 0; transform: rotate(45deg); }
.nav-open .menu-toggle span::after { top: 0; transform: rotate(-45deg); }

.hero {
  overflow: hidden;
  padding: clamp(40px, 6vw, 88px) 0 clamp(76px, 9vw, 130px);
  background-image: url("../4.jpg");
  background-image: -webkit-image-set(url("../4.webp") type("image/webp"), url("../4.jpg") type("image/jpeg"));
  background-image: image-set(url("../4.webp") type("image/webp"), url("../4.jpg") type("image/jpeg"));
  background-position: center;
  background-size: cover;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .95fr); gap: clamp(34px, 6vw, 90px); align-items: center; }
.hero-copy { position: relative; z-index: 2; }
.cycle-word { display: inline-block; transition: opacity .32s ease, transform .32s ease; }
.cycle-word.is-swapping { opacity: 0; transform: translateY(10px); }
.hero-meta { display: flex; flex-wrap: wrap; gap: 14px 26px; margin: 22px 0 0; padding: 0; list-style: none; color: #425066; font-size: .92rem; }
.hero-meta li { display: flex; align-items: center; gap: 9px; }
.hero-meta li::before { content: "+"; color: var(--blue); font-weight: 700; }
.hero-visual { position: relative; min-height: 610px; perspective: 1400px; }
.hero-glow {
  position: absolute;
  inset: -12% -18% auto auto;
  width: 62%;
  aspect-ratio: 1;
  background: radial-gradient(circle, var(--signal) 0%, rgba(122,201,230,.35) 45%, transparent 72%);
  filter: blur(6px);
  opacity: .55;
  z-index: 0;
  animation: heroGlowDrift 9s ease-in-out infinite;
}
@keyframes heroGlowDrift {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-3%, 4%) scale(1.06); }
}
.hero-orbit { position: absolute; inset: 0 auto 0 0; width: 42px; z-index: 2; pointer-events: none; }
.hero-orbit span { position: absolute; left: 50%; border-radius: 50%; background: var(--blue); }
.hero-orbit span:nth-child(1) { top: 10%; width: 11px; height: 11px; animation: heroDotFloat 5s ease-in-out infinite; }
.hero-orbit span:nth-child(2) { top: 47%; width: 7px; height: 7px; background: var(--signal); animation: heroDotFloat 6.5s ease-in-out infinite 1.1s; }
.hero-orbit span:nth-child(3) { top: 80%; width: 9px; height: 9px; background: var(--blue-deep); animation: heroDotFloat 7.2s ease-in-out infinite .5s; }
@keyframes heroDotFloat {
  0%, 100% { transform: translate(-50%, 0); }
  50% { transform: translate(-50%, -16px); }
}
.hero-image {
  position: absolute;
  inset: 0 0 0 42px;
  overflow: hidden;
  background: var(--ink-2);
  box-shadow: var(--shadow);
  clip-path: polygon(0 0, 100% 0, 100% 86%, 82% 100%, 0 100%);
  z-index: 1;
  transition: transform .4s ease;
  transform: rotateX(var(--tilt-y, 0deg)) rotateY(var(--tilt-x, 0deg));
  transform-style: preserve-3d;
}
.hero-image img { width: 100%; height: 100%; object-fit: cover; }
.hero-image::after { content: ""; position: absolute; inset: 0;}
.hero-ledger {
  position: absolute;
  left: 0;
  bottom: 58px;
  width: min(94%, 370px);
  padding: 22px 24px;
  background: var(--paper-2);
  border: 1px solid var(--ink);
  box-shadow: 12px 12px 0 var(--signal);
  z-index: 2;
  transition: transform .4s ease;
}
.hero-ledger__head { display: flex; justify-content: space-between; align-items: baseline; gap: 20px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.hero-ledger__head strong { font-family: var(--serif); font-size: 1.45rem; font-weight: 400; }
.hero-ledger__head span { color: var(--muted); font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; }
.hero-ledger dl { display: grid; grid-template-columns: 1fr auto; gap: 0; margin: 10px 0 0; }
.hero-ledger dt, .hero-ledger dd { margin: 0; padding: 8px 0; border-bottom: 1px solid rgba(7,24,47,.08); font-size: .86rem; }
.hero-ledger dd { font-weight: 700; }
.hero-index {
  position: absolute;
  right: -22px;
  top: 25px;
  width: 96px;
  height: 96px;
  display: grid;
  place-items: center;
  background: var(--blue);
  color: white;
  font-family: var(--serif);
  font-size: 2rem;
  z-index: 3;
  box-shadow: 0 14px 30px rgba(7,24,47,.28);
  animation: heroIndexWobble 4.5s ease-in-out infinite;
}
.hero-index small { display: block; font-family: var(--sans); font-size: .58rem; letter-spacing: .1em; text-transform: uppercase; font-weight: 700; margin-top: 3px; }
@keyframes heroIndexWobble {
  0%, 100% { transform: rotate(8deg) translateY(0); }
  50% { transform: rotate(4deg) translateY(-7px); }
}

.trust-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--paper-2); }
.trust-strip__inner { display: grid; grid-template-columns: 220px 1fr; min-height: 92px; align-items: stretch; }
.trust-strip__label { display: flex; align-items: center; border-right: 1px solid var(--line); font-size: .74rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.ticker { overflow: hidden; display: flex; align-items: center; }
.ticker__track { display: flex; width: max-content; gap: 42px; padding-left: 42px; animation: ticker 28s linear infinite; }
.ticker__track span { white-space: nowrap; font-size: .94rem; font-weight: 600; }
.ticker__track span::before { content: "✦"; margin-right: 42px; color: var(--blue); }
@keyframes ticker { to { transform: translateX(-50%); } }

.split-heading { display: grid; grid-template-columns: minmax(280px, .95fr) minmax(0, 1.05fr); gap: clamp(30px, 7vw, 100px); align-items: end; margin-bottom: 54px; }
.split-heading .lead { margin: 0; }
.service-list { border-top: 1px solid var(--ink); }
.service-row {
  display: grid;
  grid-template-columns: 72px minmax(200px, .72fr) minmax(320px, 1.28fr) 56px;
  gap: 24px;
  align-items: center;
  min-height: 132px;
  border-bottom: 1px solid var(--ink);
  text-decoration: none;
  transition: background .25s ease, padding .25s ease;
}
.service-row:hover { background: var(--signal); padding-inline: 18px; }
.service-no { color: var(--blue-deep); font-size: .75rem; font-weight: 700; letter-spacing: .15em; padding: 20px; }
.service-title { font-family: var(--serif); font-size: clamp(1.7rem, 3vw, 2.5rem); line-height: 1; }
.service-copy { color: #4c596d; }
.service-arrow { font-size: 1.7rem; transition: transform .2s ease; }
.service-row:hover .service-arrow { transform: translate(5px,-5px); }

.editorial-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: clamp(38px, 7vw, 96px); align-items: start; }
.editorial-sticky { position: sticky; top: 150px; }
.editorial-copy { display: grid; gap: 48px; }
.feature-line { display: grid; grid-template-columns: 58px 1fr; gap: 22px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.22); }
.feature-line__no { color: var(--signal); font-size: .78rem; font-weight: 700; letter-spacing: .13em; }
.feature-line h3 { margin-bottom: 10px; }
.feature-line p { margin: 0; color: rgba(255,255,255,.68); }

.insurance-band {
  position: relative;
  overflow: hidden;
  background: var(--blue);
  color: white;
  background-image: url("../3.jpg");
  background-image: -webkit-image-set(url("../3.webp") type("image/webp"), url("../3.jpg") type("image/jpeg"));
  background-image: image-set(url("../3.webp") type("image/webp"), url("../3.jpg") type("image/jpeg"));
  background-position: center center;
  background-size: cover;
  background-blend-mode: multiply;
}

.insurance-band__grid { position: relative; display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(40px, 8vw, 110px); }
.insurance-band .eyebrow { color: white; }
.insurance-band .lead { color: rgba(255,255,255,.85); }
.insurance-list { border-top: 1px solid rgba(255,255,255,.5); }
.insurance-item { display: grid; grid-template-columns: 44px 1fr; gap: 18px; padding: 17px 0; border-bottom: 1px solid rgba(255,255,255,.5); font-weight: 700; }
.insurance-item span:first-child { font-family: var(--serif); font-weight: 400; color: var(--signal); }
.insurance-note { margin-top: 24px; padding-left: 20px; border-left: 3px solid var(--signal); color: rgba(255,255,255,.8); font-size: .9rem; }

.quote-panel { display: grid; grid-template-columns: minmax(300px,.85fr) minmax(0,1.15fr); min-height: 560px; background: var(--paper-2); border: 1px solid var(--ink); }
.quote-image { overflow: hidden; }
.quote-image img { width: 100%; height: 100%; object-fit: cover; filter: grayscale(1); }
.quote-copy { padding: clamp(38px, 7vw, 92px); display: flex; flex-direction: column; justify-content: space-between; }
.quote-mark { color: var(--blue); font-family: var(--serif); font-size: 5rem; line-height: .5; }
.quote-copy blockquote { margin: 34px 0; font-family: var(--serif); font-size: clamp(2rem, 4vw, 3rem); line-height: 1.05; font-weight: 600;}
.quote-copy cite { font-style: normal; color: var(--muted); }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--ink); border-left: 1px solid var(--ink); }
.step { counter-increment: step; min-height: 280px; padding: 28px; border-right: 1px solid var(--ink); border-bottom: 1px solid var(--ink); background: var(--paper-2); }
.step::before { content: "0" counter(step); display: block; margin-bottom: 64px; color: var(--blue); font-size: .78rem; font-weight: 700; letter-spacing: .13em; }
.step h3 { margin-bottom: 13px; }
.step p { margin: 0; color: var(--muted); }

.page-hero {
  padding: clamp(54px, 8vw, 116px) 0 70px;
  border-bottom: 1px solid var(--line);
  background-image: url("../4.jpg");
  background-image: -webkit-image-set(url("../4.webp") type("image/webp"), url("../4.jpg") type("image/jpeg"));
  background-image: image-set(url("../4.webp") type("image/webp"), url("../4.jpg") type("image/jpeg"));
  background-position: center bottom;
  background-size: cover;
}
.page-hero-ubezpieczenia {
  background-image: url("../3.jpg") !important;
  background-image: -webkit-image-set(url("../3.webp") type("image/webp"), url("../3.jpg") type("image/jpeg")) !important;
  background-image: image-set(url("../3.webp") type("image/webp"), url("../3.jpg") type("image/jpeg")) !important;
  background-position: center bottom !important;
  background-size: cover;
  background-blend-mode: overlay;
}
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 34px; color: var(--muted); font-size: .84rem; }
.breadcrumbs a { text-underline-offset: 4px; }
.page-hero__grid { display: grid; grid-template-columns: minmax(0,1.15fr) minmax(280px,.55fr); gap: clamp(34px, 7vw, 96px); align-items: end; }
.page-note { padding: 20px 0 20px 24px; color: #1f3a79; }
.page-note strong { display: block; color: var(--ink); margin-bottom: 6px; }

.content-layout { display: grid; grid-template-columns: minmax(240px,.38fr) minmax(0,1fr); gap: clamp(40px, 8vw, 110px); }
.content-aside { position: sticky; top: 150px; align-self: start; }
.aside-nav { display: grid; gap: 6px; border-top: 1px solid var(--ink); }
.aside-nav a { padding: 12px 0; border-bottom: 1px solid var(--line); text-decoration: none; font-size: .92rem; }
.aside-nav a:hover { color: var(--blue); }
.prose h2 { margin: 70px 0 24px; font-family: var(--serif); font-size: clamp(2.1rem,4vw,3rem); line-height: 1; font-weight: 600; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 34px 0 12px; }
.prose p { max-width: 760px; }
.prose ul { margin: 18px 0 0; padding: 0; list-style: none; }
.prose li { position: relative; padding: 11px 0 11px 30px; border-bottom: 1px solid var(--line); }
.prose li::before { content: "+"; position: absolute; left: 0; color: var(--blue); font-weight: 700; }
.prose .callout { margin: 42px 0; padding: 32px; background: var(--ink); color: white; }
.prose .callout p { margin: 10px 0 0; color: rgba(255,255,255,.75); }

.image-break { position: relative; overflow: hidden; background: var(--ink);}
.image-break img { width: 100%; height: 100%; object-fit: cover; filter: grayscale(1) contrast(.95); opacity: .9; }
.image-break__caption { position: absolute; left: clamp(20px,5vw,72px); bottom: clamp(20px,5vw,72px); max-width: 520px; padding: 22px 24px; background: var(--signal); color: var(--ink); font-weight: 700; }

.cards-lines { display: grid; grid-template-columns: repeat(2,1fr); border-top: 1px solid var(--ink); border-left: 1px solid var(--ink); }
.line-card { min-height: 240px; padding: 30px; background: var(--paper-2); border-right: 1px solid var(--ink); border-bottom: 1px solid var(--ink); }
.line-card__icon { display: grid; place-items: center; width: 70px; height: 70px; margin-bottom: 36px; background: var(--signal); font-family: var(--serif); font-size: 1.3rem; color: #fff; padding: 10px;}
.line-card h3 { margin-bottom: 12px; }
.line-card p { margin: 0; color: var(--muted); }

.insurance-hero { background: var(--ink); color: white; }
.insurance-hero .page-note { border-color: var(--signal); color: rgba(255,255,255); }
.insurance-hero .page-note strong { color: white; }
.insurance-products { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--ink); border-left: 1px solid var(--ink); }
.product { position: relative; min-height: 330px; padding: 28px; overflow: hidden; border-right: 1px solid var(--ink); border-bottom: 1px solid var(--ink); background: var(--paper-2); }
.product::after { content: attr(data-no); position: absolute; right: 16px; bottom: -32px; color: rgba(0,143,211,.14); font-family: var(--serif); font-size: 8rem; line-height: 1; }
.product h3 { margin: 52px 0 14px; font-family: var(--serif); font-size: 2.15rem; font-weight: 600; line-height: 2rem;}
.product p { max-width: 32ch; color: var(--muted); }
.product__tag { font-size: .72rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; color: var(--blue-deep); }
.school-panel { display: grid; grid-template-columns: .95fr 1.05fr; background: var(--signal); border: 1px solid var(--ink); }
.school-panel__copy { padding: clamp(32px,6vw,72px); }
.school-panel__image { min-height: 460px; overflow: hidden; }
.school-panel__image img { width: 100%; height: 100%; object-fit: cover; filter: grayscale(1); mix-blend-mode: multiply; opacity: .72; }
.fact-list { display: grid; gap: 0; margin: 28px 0 0; }
.fact { display: grid; grid-template-columns: 36px 1fr; gap: 14px; padding: 13px 0; border-top: 1px solid rgba(7,24,47,.35); }
.fact:last-child { border-bottom: 1px solid rgba(7,24,47,.35); }
.fact b { color: var(--blue-deep); }

.faq { border-top: 1px solid var(--ink); }
.faq-item { border-bottom: 1px solid var(--ink); }
.faq-button { width: 100%; display: grid; grid-template-columns: 1fr 48px; gap: 20px; align-items: center; padding: 24px 0; border: 0; background: transparent; color: inherit; text-align: left; font-weight: 700; }
.faq-button span:last-child { font-size: 1.5rem; transition: transform .2s ease; }
.faq-button[aria-expanded="true"] span:last-child { transform: rotate(45deg); }
.faq-panel { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-panel p { max-width: 760px; margin: 0; padding: 0 70px 24px 0; color: var(--muted); }

.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(44px, 8vw, 110px); }
.contact-cards { display: grid; gap: 0; border-top: 1px solid rgba(255,255,255,.35); }
.contact-card { padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,.35); }
.contact-card small { display: block; margin-bottom: 4px; color: rgba(255,255,255,.55); letter-spacing: .11em; text-transform: uppercase; }
.contact-card a { font-family: var(--serif); font-size: clamp(1.4rem,2.4vw,2.2rem); text-decoration: none; }
.contact-card a:hover { color: var(--signal); }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: .82rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.field input, .field textarea, .field select {
  width: 100%;
  min-height: 54px;
  border: 1px solid rgba(255,255,255,.42);
  border-radius: 0;
  background: rgba(255,255,255,.06);
  color: white;
  padding: 13px 15px;
  outline: none;
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--signal); box-shadow: 0 0 0 2px rgba(215,243,75,.22); }
.field select option { color: var(--ink); }
.field--check { display: grid; grid-template-columns: auto 1fr; align-items: start; gap: 10px; font-size: .83rem; color: rgba(255,255,255,.74); }
.field--check input { width: 18px; height: 18px; margin-top: 4px; }
.hp { position: absolute !important; left: -9999px !important; }
.form-status { grid-column: 1 / -1; min-height: 24px; }

.office-table { width: 100%; border-collapse: collapse; }
.office-table td { padding: 12px 0; border-bottom: 1px solid var(--line); }
.office-table td:last-child { text-align: right; font-weight: 700; }
.map-link { display: block; min-height: 360px; position: relative; overflow: hidden; border: 1px solid var(--ink); background: var(--paper-2); text-decoration: none; }
.map-grid { position: absolute; inset: 0; background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px); background-size: 28px 28px; }
.map-pin { position: absolute; left: 58%; top: 44%; width: 72px; height: 72px; display: grid; place-items: center; background: var(--blue); color: white; border-radius: 50% 50% 50% 0; transform: rotate(-45deg); font-size: 1.5rem; box-shadow: 0 16px 42px rgba(7,24,47,.25); }
.map-pin span { transform: rotate(45deg); }
.map-caption { position: absolute; left: 24px; bottom: 24px; padding: 15px 18px; background: var(--ink); color: white; font-weight: 700; }

.site-footer { background: #132859; color: white; padding: 68px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.1fr .7fr .7fr .8fr; gap: 42px; }
.footer-logo { width: min(100%, 330px); padding: 10px 14px; filter: brightness(0) invert(1);}
.footer-copy { max-width: 42ch; color: rgba(255,255,255,.65); }
.footer-title { margin: 0 0 15px; color: #76d5ff; font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { color: rgba(255,255,255,.78); text-decoration: none; }
.footer-links a:hover { color: var(--signal); }
.footer-bottom { display: flex; justify-content: center; gap: 24px; margin-top: 58px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.18); color: rgba(255,255,255,.5); font-size: .78rem; }

.mobile-contact { display: none; }
[data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .7s ease, transform .7s ease; }
[data-reveal].is-visible { opacity: 1; transform: none; }

@media (max-width: 1120px) {
  .navbar { grid-template-columns: minmax(230px, 330px) 1fr auto; }
  .nav-links { gap: 14px; }
  .nav-links a { font-size: .82rem; }
  .nav-cta { display: none; }
  .hero-grid { grid-template-columns: 1fr .85fr; }
  .hero-visual { min-height: 560px; }
}

@media (max-width: 940px) {
  .topline { display: none; }
  .navbar { min-height: 78px; grid-template-columns: 1fr auto; }
  .logo { width: min(70vw, 360px); }
  .menu-toggle { display: flex; }
  .nav-links {
    position: fixed;
    left: 0;
    right: 0;
    top: 78px;
    bottom: 0;
    display: grid;
    align-content: start;
    gap: 0;
    padding: 24px 20px 110px;
    background: var(--paper);
    transform: translateX(100%);
    transition: transform .28s ease;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
  .nav-open .nav-links { transform: translateX(0); min-height: 94vh;
    width: 100%;}
  .nav-links a { padding: 17px 0; border-bottom: 1px solid var(--line); font-family: var(--serif); font-size: 1.65rem; font-weight: 400; }
  .nav-links a::after { display: none; }
  .hero-grid, .split-heading, .editorial-grid, .insurance-band__grid, .quote-panel, .page-hero__grid, .content-layout, .contact-grid, .school-panel { grid-template-columns: 1fr; }
  .hero-copy { padding-top: 20px; }
  .hero-visual { min-height: 620px; }
  .editorial-sticky, .content-aside { position: static; }
  .content-aside { display: none; }
  .quote-image { min-height: 420px; }
  .steps { grid-template-columns: 1fr; }
  .step { min-height: 220px; }
  .step::before { margin-bottom: 38px; }
  .insurance-products { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 700px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--max)); }
  .section { padding: 68px 0; }
  .display { font-size: clamp(3rem, 16vw, 3rem); }
  .h1 { font-size: clamp(3.05rem, 15vw, 3.2rem); }
  .hero { padding-top: 28px; }
  .hero-visual { min-height: 500px; margin-top: 10px; }
  .hero-image { inset: 0 0 0 20px; }
  .hero-ledger { bottom: 24px; width: calc(100% - 20px); padding: 17px; box-shadow: 8px 8px 0 var(--signal); }
  .hero-index { right: 0; width: 72px; height: 72px; }
  .hero-orbit { display: none; }
  .trust-strip__inner { grid-template-columns: 1fr; }
  .trust-strip__label { min-height: 52px; border-right: 0; border-bottom: 1px solid var(--line); }
  .service-row { grid-template-columns: 42px 1fr 34px; gap: 14px; min-height: 120px; }
  .service-copy { grid-column: 2 / -1; padding-bottom: 20px; }
  .service-row:hover { padding-inline: 8px; }
  .feature-line { grid-template-columns: 44px 1fr; }
  .cards-lines, .insurance-products { grid-template-columns: 1fr; }
  .school-panel__image { min-height: 320px; }
  .form { grid-template-columns: 1fr; }
  .field--full { grid-column: auto; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .page-note .icon-box svg {width:70px !important}
  .service-no svg {width:25px !important}
  .service-arrow {display: none;}
  .page-hero {background-position: right center !important;}
  .mobile-contact {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 9950;
    display: grid;
    grid-template-columns: 1fr 1fr;
    background: var(--ink);
    border-top: 1px solid rgba(255,255,255,.25);
  }
  .mobile-contact a { padding: 12px 8px; color: white; text-align: center; text-decoration: none; font-weight: 700; font-size: .84rem; }
  .mobile-contact a + a { border-left: 1px solid rgba(255,255,255,.25); background: var(--blue); }
  .site-footer { padding-bottom: 90px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  [data-reveal] { opacity: 1; transform: none; }
  .hero-glow { animation: none; }
}
.section:not(.section--ink) .feature-line__no { color: var(--blue-deep); }
.contact-card > span { font-family: var(--serif); font-size: clamp(1.4rem,2.4vw,1.6rem); }