* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body { font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; color: #121212; line-height: 1.55; background: #fff; }
img { max-width: 100%; display: block; border-radius: 8px; }
a { color: #0b63f6; text-decoration: none; }
a:hover { text-decoration: underline; }
.container { width: min(1120px, 92%); margin: 0 auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: -999px; top: auto; }
.skip-link:focus { left: 1rem; top: 1rem; background: #fff; padding: .5rem .75rem; border-radius: .5rem; box-shadow: 0 2px 10px rgba(0,0,0,.1); }


.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.9); backdrop-filter: saturate(180%) blur(8px); border-bottom: 1px solid #eee; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .75rem 0; }
.brand { display: inline-flex; align-items: center; gap: .75rem; font-weight: 800; color: inherit; }
.brand-logo { width: 40px; height: 40px; border-radius: 6px; background: transparent; }
.brand-name small { font-weight: 600; color: #666; }

.nav-toggle { display: none; font-size: 1.25rem; background: transparent; border: 1px solid #ddd; padding: .35rem .5rem; border-radius: .5rem; }
.nav-menu { display: flex; gap: 1rem; list-style: none; margin: 0; padding: 0; }
.nav-menu a { padding: .5rem .65rem; border-radius: .5rem; }
.nav-menu a:hover { background: #f4f6ff; text-decoration: none; }

@media (max-width: 920px) {
  .nav-toggle { display: inline-block; }
  .nav-menu { position: absolute; right: 1rem; top: 64px; flex-direction: column; background: #fff; padding: .5rem; border: 1px solid #eee; border-radius: .75rem; box-shadow: 0 8px 24px rgba(0,0,0,.08); display: none; }
  .nav-menu.open { display: flex; }
}


.hero { position: relative; min-height: 92vh; display: grid; align-items: center; }
.hero-bg { position: absolute; inset: 0; z-index: -2; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; filter: brightness(.8); }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(0,0,0,.35), rgba(0,0,0,.15), rgba(255,255,255,0)); z-index: -1; }
.hero-content { color: #fff; padding: 8vh 0 4vh; }
.eyebrow { letter-spacing: .12em; text-transform: uppercase; font-weight: 700; font-size: .85rem; opacity: .9; }
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.5rem); line-height: 1.1; margin: .4rem 0 .75rem; text-shadow: 0 3px 20px rgba(0,0,0,.28); }
.lead { font-size: clamp(1rem, 1.8vw, 1.25rem); max-width: 60ch; opacity: .95; }
.hero-cta { display: flex; gap: .75rem; flex-wrap: wrap; margin: 1.25rem 0 2rem; }

.btn { display: inline-flex; align-items: center; justify-content: center; padding: .8rem 1.1rem; border-radius: .6rem; font-weight: 700; border: 2px solid transparent; cursor: pointer; }
.btn-primary { background: #0b63f6; color: #fff; }
.btn-outline { background: transparent; border-color: #fff; color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,.12); }


.slider { position: relative; margin-top: 1rem; }
.slides { position: relative; overflow: hidden; border-radius: 1rem; box-shadow: 0 20px 40px rgba(0,0,0,.12); }
.slide { position: absolute; inset: 0; transform: translateX(100%); transition: transform .6s cubic-bezier(.22,.61,.36,1); }
.slide.current { transform: translateX(0); position: relative; }
.slider-btn { position: absolute; top: 50%; transform: translateY(-50%); background: rgba(0,0,0,.45); color:#fff; border: none; width: 42px; height: 42px; border-radius: 50%; cursor: pointer; }
.slider-btn.prev { left: .5rem; }
.slider-btn.next { right: .5rem; }
.slider-btn:hover { background: rgba(0,0,0,.6); }


.mascot { position: fixed; right: 1rem; bottom: 1rem; border: none; background: transparent; cursor: pointer; display: grid; place-items: center; }
.mascot img { width: 72px; height: auto; filter: drop-shadow(0 8px 18px rgba(0,0,0,.2)); }
.mascot .badge { position: absolute; top: -10px; right: -10px; background: #0b63f6; color: #fff; padding: .3rem .45rem; border-radius: .5rem; font-size: .75rem; font-weight: 800; text-transform: lowercase; }
.chat-panel { position: fixed; right: 1rem; bottom: 5.5rem; width: min(380px, 92vw); background: #fff; border: 1px solid #e6e6e9; border-radius: 1rem; box-shadow: 0 20px 40px rgba(0,0,0,.18); transform: translateY(16px); opacity: 0; pointer-events: none; transition: all .25s ease; }
.chat-panel.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
.chat-header { display: flex; align-items: center; justify-content: space-between; padding: .75rem 1rem; border-bottom: 1px solid #efefef; }
.icon-btn { border: none; background: transparent; font-size: 1.25rem; cursor: pointer; }
.chat-body { padding: .85rem 1rem 1rem; }
#chatMessage { width: 100%; min-height: 120px; padding: .65rem .75rem; border-radius: .6rem; border: 1px solid #ddd; margin: .5rem 0 1rem; font: inherit; }


section { padding: clamp(2.5rem, 6vw, 6rem) 0; }
.panels .panel-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 1rem; }
.panel { background: #f8fafc; border: 1px solid #eef2f7; padding: 1rem; border-radius: .9rem; }
.panel h3 { margin-top: 0; }
.panel-link { font-weight: 700; }

@media (max-width: 980px) {
  .panels .panel-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .panels .panel-grid { grid-template-columns: 1fr; }
}

.about { background: #fff; }
.about-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 2rem; align-items: center; }
@media (max-width: 920px) {
  .about-inner { grid-template-columns: 1fr; }
}

.check { list-style: none; padding: 0; }
.check li { padding-left: 1.8rem; margin: .4rem 0; position: relative; }
.check li::before { content: "✓"; position: absolute; left: 0; top: 0; color: #0b63f6; font-weight: 800; }

.services { background: #f7f9ff; }
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 1rem; }
.card { background: #fff; border: 1px solid #eef2f7; padding: 1rem; border-radius: 1rem; box-shadow: 0 2px 12px rgba(0,0,0,.04); }
.card h3 { margin-top: 0; }
@media (max-width: 980px) { .cards { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .cards { grid-template-columns: 1fr; } }

.why { background: #fff; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 1rem; }
.why-item { background: #f8fafc; border: 1px solid #eef2f7; padding: 1rem; border-radius: .9rem; }
@media (max-width: 980px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .why-grid { grid-template-columns: 1fr; } }

.insurers { background: #fff; }



 to { transform: translateX(-100%); } }


.insurers-details summary { cursor: pointer; list-style: none; padding: .6rem .75rem; border-radius: .4rem; background: transparent; color: #0b63f6; text-decoration: underline; font-weight: 700; display: block; }
.insurers-details summary::-webkit-details-marker { display: none; }
.insurers-details summary::after { content: "▼"; margin-left: .5rem; font-weight: 800; }
.insurers-details[open] summary::after { content: "▲"; }
.insurers h4 { font-weight: 800; margin-top: .8rem; }
.insurers ul { margin: .25rem 0 1rem 1.2rem; color: #333; }

.faq details { background: #f8fafc; border: 1px solid #eef2f7; padding: 1rem; border-radius: .9rem; margin: .75rem 0; }

.testimonials .quote { background: #fff; border-left: 4px solid #0b63f6; padding: 1rem; border-radius: .5rem; box-shadow: 0 2px 12px rgba(0,0,0,.04); }

.contact { background: #f7f9ff; }
.contact-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.contact-list { list-style: none; padding: 0; }
.contact-list li { margin: .35rem 0; }
.contact-form input, .contact-form textarea { width: 100%; padding: .7rem .85rem; border: 1px solid #dfe3ea; border-radius: .6rem; font: inherit; background: #fff; color: #121212; }
.contact-form button { margin-top: .6rem; }
.form-note { font-size: .9rem; color: #666; }
@media (max-width: 920px) { .contact-inner { grid-template-columns: 1fr; } }

.newsletter { background: #fff; }
.newsletter-form { display: grid; grid-template-columns: 1fr auto; gap: .6rem; align-items: center; }
.newsletter-form h2 { grid-column: 1 / -1; margin: 0 0 .25rem; }
.newsletter-form input { padding: .8rem .9rem; border: 1px solid #dfe3ea; border-radius: .6rem; background: #fff; color: #121212; }
.newsletter .form-note { grid-column: 1 / -1; }

.site-footer { background: #0b1020; color: #d7dbff; }
.footer-inner { display: flex; align-items: center; justify-content: space-between; padding: 1rem 0; }
.footer-nav { list-style: none; padding: 0; display: flex; gap: 1rem; }
.footer-nav a { color: #d7dbff; }


h2 { font-size: clamp(1.6rem, 2.8vw, 2.2rem); margin: 0 0 .5rem; }
h3 { margin: .2rem 0 .3rem; }
.eyebrow, .lead, p { max-width: 70ch; }


.mascot, .mascot img { background: transparent !important; }
#mascot, #mascot img { background: transparent !important; }
.chat-panel, .chat-panel * { background-clip: padding-box; }



#mascot, #mascot *, .mascot, .mascot * {
  background: transparent !important;
  background-color: transparent !important;
}

button#mascot, .chat-bubble, .chat-bubble * {
  background: transparent !important;
  background-color: transparent !important;
  box-shadow: none !important;
  border: none !important;
}

#mascot img, .mascot img {
  display: block;
  background: transparent !important;
  background-color: transparent !important;
}




#less-chat, .less-chat, .chat-toggle, .chat-toggle span {
  color: #007BFF !important;
}




#chat-widget {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 9999;
  display: flex;
  align-items: flex-end;
  gap: 8px;
  pointer-events: auto;
}
#chat-widget .chat-bubble {
  background: #007BFF;
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  line-height: 1;
  padding: 10px 14px;
  border-radius: 14px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.15);
  text-decoration: none;
  display: inline-block;
  user-select: none;
}
#chat-widget .chat-bubble:active { transform: translateY(1px); }
#chat-widget .chat-mascot {
  width: 110px;
  height: auto;
  display: block;
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.18));
}

@media (min-width: 768px) {
  #chat-widget .chat-bubble { font-size: 18px; padding: 12px 16px; }
  #chat-widget .chat-mascot { width: 130px; }
}

#chat-widget, #chat-widget *, #chat-widget img { background: transparent !important; }




#chat-widget {
  position: fixed !important;
  right: 16px !important;
  bottom: 24px !important;
  z-index: 2147483647 !important; 
  display: flex !important;
  align-items: flex-end !important;
  gap: 8px !important;
  pointer-events: auto !important;
}
#chat-widget .chat-bubble {
  background: #007BFF !important;
  color: #fff !important;
  font-weight: 800 !important;
  font-size: 16px !important;
  line-height: 1 !important;
  padding: 10px 14px !important;
  border-radius: 14px !important;
  box-shadow: 0 8px 20px rgba(0,0,0,0.18) !important;
  text-decoration: none !important;
  display: inline-block !important;
  user-select: none !important;
  transform: translateY(-8px); 
}
#chat-widget .chat-mascot {
  width: 110px !important;
  height: auto !important;
  display: block !important;
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.18)) !important;
}
@media (max-width: 480px) {
  #chat-widget .chat-bubble { font-size: 14px !important; padding: 9px 12px !important; }
  #chat-widget .chat-mascot { width: 96px !important; }
}

#chat-widget, #chat-widget *, #chat-widget img { background: transparent !important; background-color: transparent !important; }

.chat-label, .chat-badge, .lets-chat, .less-chat, .chat-toggle-label { display: none !important; }




#chat-widget {
  position: fixed !important;
  right: 16px !important;
  bottom: 20px !important;
  z-index: 2147483647 !important;
  display: flex !important;
  align-items: flex-end !important;
  gap: 8px !important;
  pointer-events: none !important; 
}
#chat-widget .chat-bubble {
  background: #007BFF !important;
  color: #fff !important;
  font-weight: 800 !important;
  font-size: 16px !important;
  line-height: 1 !important;
  padding: 10px 14px !important;
  border-radius: 14px !important;
  box-shadow: 0 8px 20px rgba(0,0,0,0.18) !important;
  text-decoration: none !important;
  display: inline-block !important;
  transform: translateY(-60px) !important; 
  pointer-events: auto !important; 
}
#chat-widget .chat-mascot {
  width: 90px !important;
  height: auto !important;
  display: block !important;
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.18)) !important;
  pointer-events: none !important; 
}
@media (min-width: 768px) {
  #chat-widget .chat-mascot { width: 110px !important; }
  #chat-widget .chat-bubble { font-size: 18px !important; transform: translateY(-70px) !important; }
}

.mascot-floating, #fixed-mascot, .chat-badge, .lets-chat, .less-chat, .chat-toggle-label {
  display: none !important;
}




#chat-widget {
  position: fixed !important;
  right: 16px !important;
  bottom: calc(20px + env(safe-area-inset-bottom)) !important;
  z-index: 2147483647 !important;
  pointer-events: none !important; 
}
#chat-widget .chat-wrap {
  position: relative !important;
  width: auto !important;
  height: auto !important;
  pointer-events: none !important;
}
#chat-widget .chat-mascot {
  width: 92px !important;
  height: auto !important;
  display: block !important;
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.18)) !important;
  pointer-events: none !important;
}
#chat-widget .chat-bubble {
  position: absolute !important;
  right: 6px !important;
  bottom: 74px !important; 
  background: #007BFF !important;
  color: #fff !important;
  font-weight: 800 !important;
  font-size: 16px !important;
  line-height: 1 !important;
  padding: 10px 14px !important;
  border-radius: 14px !important;
  box-shadow: 0 8px 20px rgba(0,0,0,0.18) !important;
  text-decoration: none !important;
  display: inline-block !important;
  pointer-events: auto !important; 
}
@media (min-width: 600px) {
  #chat-widget .chat-mascot { width: 110px !important; }
  #chat-widget .chat-bubble { bottom: 88px !important; font-size: 18px !important; }
}

.lets-chat, .less-chat, .chat-badge, .chat-toggle-label, .mascot-floating, #fixed-mascot { display: none !important; }


#mascot, #mascot *, .chat-panel { display:none !important; }



#chat-widget {
  position: fixed !important;
  right: 16px !important;
  bottom: calc(18px + env(safe-area-inset-bottom)) !important;
  z-index: 2147483647 !important;
  pointer-events: none !important; 
}
#chat-widget .chat-wrap {
  position: relative !important;
  width: auto !important;
  height: auto !important;
  pointer-events: none !important;
}
#chat-widget .chat-mascot {
  width: 78px !important;   
  height: auto !important;
  display: block !important;
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.18)) !important;
  pointer-events: none !important;
}
#chat-widget .chat-bubble {
  position: absolute !important;
  right: 6px !important;
  bottom: 78px !important; 
  background: #007BFF !important;
  color: #fff !important;
  font-weight: 800 !important;
  font-size: 15px !important;
  line-height: 1 !important;
  padding: 10px 14px !important;
  border-radius: 14px !important;
  box-shadow: 0 8px 20px rgba(0,0,0,0.18) !important;
  text-decoration: none !important;
  display: inline-block !important;
  pointer-events: auto !important;  
}
#chat-widget .chat-bubble:focus { outline: 2px solid white; outline-offset: 2px; }
@media (min-width: 640px) {
  #chat-widget .chat-mascot { width: 96px !important; }
  #chat-widget .chat-bubble { bottom: 92px !important; font-size: 16px !important; }
}


#chat-panel {
  position: fixed !important;
  right: 16px !important;
  bottom: calc(18px + env(safe-area-inset-bottom)) !important;
  width: min(360px, 92vw) !important;
  background: #ffffff !important;
  border-radius: 14px !important;
  box-shadow: 0 18px 50px rgba(0,0,0,0.25) !important;
  z-index: 2147483646 !important;
  overflow: hidden !important;
  transform: translateY(24px) scale(0.98);
  opacity: 0;
  visibility: hidden;
  transition: transform .2s ease, opacity .2s ease, visibility .2s;
}
#chat-panel.open {
  transform: translateY(0) scale(1);
  opacity: 1;
  visibility: visible;
}
#chat-panel header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 14px; background: #007BFF; color: #fff; font-weight: 700;
}
#chat-panel header button {
  background: transparent; border: 0; color: #fff; font-size: 20px; cursor: pointer;
}
#chat-panel .body { padding: 14px; }
#chat-panel form .row { display: grid; gap: 10px; margin-bottom: 10px; }
#chat-panel input, #chat-panel textarea {
  width: 100%; padding: 10px 12px; border: 1px solid #e3e3e3; border-radius: 10px; font-size: 14px;
}
#chat-panel button[type="submit"] {
  background: #007BFF; color: #fff; border: 0; border-radius: 12px; padding: 10px 14px;
  font-weight: 700; cursor: pointer;
}

#mascot, #mascot *, .chat-panel, .less-chat, .lets-chat, .chat-badge, .chat-toggle-label { display: none !important; }



/* FAQ accordion (direct edit) */
.faq-accordion details {
  border: 1px solid #eef2f7;
  border-radius: .6rem;
  padding: .75rem 1rem;
  background: #fff;
  margin: .5rem 0;
}
.faq-accordion summary {
  cursor: pointer;
  font-weight: 700;
  list-style: none;
}
.faq-accordion summary::-webkit-details-marker { display: none; }