:root {
  --navy: #071426;
  --navy-2: #0b1f38;
  --graphite: #17202b;
  --text: #1f2937;
  --muted: #657083;
  --line: #dde4ef;
  --surface: #ffffff;
  --soft: #f4f7fb;
  --soft-2: #eaf0f7;
  --gold: #d8a63d;
  --gold-2: #f2c35b;
  --orange: #e9873d;
  --green: #33b37b;
  --shadow: 0 22px 60px rgba(7, 20, 38, 0.14);
  --radius: 8px;
  --container: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
}

body {
  margin: 0;
  color: var(--text);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--surface);
  line-height: 1.55;
}

body.menu-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
}

img,
svg {
  display: block;
}

.icon-sprite {
  display: none;
}

.container {
  width: min(100% - 40px, var(--container));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 78px;
  padding: 12px max(20px, calc((100vw - var(--container)) / 2));
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid rgba(221, 228, 239, 0.75);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: 188px;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  color: var(--navy);
  font-weight: 900;
  letter-spacing: 0;
  background: linear-gradient(135deg, var(--gold-2), #fff2c8 42%, var(--orange));
  border: 1px solid rgba(216, 166, 61, 0.8);
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(216, 166, 61, 0.25);
}

.brand strong {
  display: block;
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.1;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  line-height: 1.25;
}

.nav {
  display: flex;
  align-items: center;
  gap: 28px;
  color: #344256;
  font-size: 0.94rem;
}

.nav a {
  transition: color 180ms ease;
}

.nav a:hover {
  color: var(--gold);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-text {
  display: none;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 46px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 800;
  line-height: 1.15;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, background 180ms ease;
}

.btn svg {
  width: 18px;
  height: 18px;
  stroke: currentColor;
  stroke-width: 2;
  fill: none;
}

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

.btn-primary {
  color: #111827;
  background: linear-gradient(135deg, var(--gold-2), var(--gold) 52%, var(--orange));
  box-shadow: 0 16px 34px rgba(216, 166, 61, 0.32);
}

.btn-primary:hover {
  box-shadow: 0 18px 40px rgba(216, 166, 61, 0.42);
}

.btn-secondary {
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.08);
}

.btn-secondary:hover {
  border-color: rgba(242, 195, 91, 0.65);
  background: rgba(255, 255, 255, 0.13);
}

.btn-large {
  min-height: 54px;
  padding: 15px 22px;
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.menu-toggle span:not(.sr-only) {
  display: block;
  height: 2px;
  margin: 5px 0;
  background: var(--navy);
}

.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;
}

.section {
  padding: 96px 0;
}

.section-dark {
  position: relative;
  overflow: hidden;
  color: #ffffff;
  background:
    radial-gradient(circle at 14% 20%, rgba(242, 195, 91, 0.22), transparent 28%),
    radial-gradient(circle at 80% 10%, rgba(71, 137, 216, 0.25), transparent 30%),
    linear-gradient(135deg, var(--navy), var(--navy-2) 58%, #101820);
}

.section-dark::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.55), transparent);
  pointer-events: none;
}

.section-dark > * {
  position: relative;
}

.hero {
  min-height: 730px;
  padding: 86px 0 72px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(360px, 0.98fr);
  align-items: center;
  gap: 54px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--gold-2);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(2.45rem, 5vw, 5.15rem);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.05;
  letter-spacing: 0;
}

h3 {
  margin: 0;
  color: var(--navy);
  font-size: 1.08rem;
  line-height: 1.25;
}

.hero-lead {
  max-width: 660px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: clamp(1.05rem, 2vw, 1.23rem);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.microcopy {
  margin: 14px 0 0;
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.92rem;
}

.microcopy.dark {
  color: var(--muted);
}

.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 26px;
}

.badge-row span {
  padding: 8px 12px;
  color: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(16px);
}

.hero-quiz {
  max-width: 590px;
  margin-top: 28px;
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.07);
  backdrop-filter: blur(18px);
}

.hero-quiz p {
  margin: 0 0 12px;
  color: #ffffff;
  font-weight: 800;
}

.quiz-options {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.quiz-options button {
  min-height: 38px;
  padding: 8px 12px;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
  cursor: pointer;
  transition: border-color 180ms ease, background 180ms ease, transform 180ms ease;
}

.quiz-options button:hover {
  transform: translateY(-1px);
  border-color: rgba(242, 195, 91, 0.72);
  background: rgba(242, 195, 91, 0.16);
}

.hero-visual {
  position: relative;
  min-height: 560px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.14), rgba(255, 255, 255, 0.04)),
    radial-gradient(circle at center, rgba(216, 166, 61, 0.18), transparent 48%);
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.3);
  backdrop-filter: blur(20px);
}

.hero-shield {
  position: absolute;
  inset: 50% auto auto 50%;
  display: grid;
  place-items: center;
  width: 210px;
  height: 210px;
  transform: translate(-50%, -52%);
  border: 1px solid rgba(242, 195, 91, 0.35);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 195, 91, 0.24), rgba(255, 255, 255, 0.04) 62%);
  box-shadow: inset 0 0 50px rgba(255, 255, 255, 0.08), 0 18px 60px rgba(0, 0, 0, 0.28);
}

.hero-shield svg {
  width: 126px;
  fill: rgba(242, 195, 91, 0.18);
  stroke: var(--gold-2);
  stroke-width: 7;
  stroke-linejoin: round;
  stroke-linecap: round;
}

.orbit-card {
  position: absolute;
  width: 210px;
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.12);
  box-shadow: 0 16px 50px rgba(0, 0, 0, 0.25);
  backdrop-filter: blur(18px);
}

.orbit-card span {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 12px;
  color: var(--gold-2);
  border-radius: 8px;
  background: rgba(242, 195, 91, 0.14);
}

.orbit-card svg {
  width: 24px;
  height: 24px;
  stroke: currentColor;
  stroke-width: 1.8;
  fill: none;
}

.orbit-card strong,
.orbit-card small {
  display: block;
}

.orbit-card strong {
  color: #ffffff;
  font-size: 0.98rem;
}

.orbit-card small {
  margin-top: 4px;
  color: rgba(255, 255, 255, 0.66);
}

.card-dispute {
  top: 34px;
  left: 28px;
}

.card-lawyer {
  top: 76px;
  right: 24px;
}

.card-cost {
  left: 34px;
  bottom: 108px;
}

.card-protect {
  right: 34px;
  bottom: 70px;
}

.visual-flow {
  position: absolute;
  left: 24px;
  right: 24px;
  bottom: 24px;
  display: grid;
  grid-template-columns: auto 1fr auto 1fr auto 1fr auto;
  align-items: center;
  gap: 10px;
  padding: 14px;
  color: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  background: rgba(0, 0, 0, 0.18);
}

.visual-flow i {
  height: 1px;
  background: linear-gradient(90deg, rgba(242, 195, 91, 0.15), rgba(242, 195, 91, 0.85));
}

.trust-band {
  margin-top: -34px;
  position: relative;
  z-index: 3;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.mini-card,
.feature-card,
.coverage-card,
.premium-card,
.persona-card,
.step-card,
.form-side-card,
.lead-form,
.flow-panel,
.check-panel,
.compare-box,
.comparison-table {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: var(--shadow);
}

.mini-card {
  padding: 22px;
}

.mini-card svg,
.feature-card > svg,
.persona-card > svg {
  width: 30px;
  height: 30px;
  margin-bottom: 14px;
  stroke: var(--gold);
  stroke-width: 1.9;
  fill: none;
}

.mini-card p,
.feature-card p,
.coverage-card p,
.premium-card p,
.persona-card p,
.step-card p,
.glass-card p {
  margin: 9px 0 0;
  color: var(--muted);
}

.section-muted {
  background: linear-gradient(180deg, var(--soft), #ffffff);
}

.section-head {
  max-width: 790px;
  margin-bottom: 36px;
}

.section-head.center {
  margin-inline: auto;
  text-align: center;
}

.section-head p:not(.eyebrow) {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.section-head.light h2,
.section-head.light p:not(.eyebrow) {
  color: #ffffff;
}

.section-head.light p:not(.eyebrow) {
  color: rgba(255, 255, 255, 0.72);
}

.situation-grid,
.reason-grid,
.persona-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.feature-card,
.persona-card {
  padding: 24px;
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.feature-card:hover,
.persona-card:hover,
.coverage-card:hover,
.premium-card:hover {
  transform: translateY(-5px);
  border-color: rgba(216, 166, 61, 0.42);
  box-shadow: 0 24px 70px rgba(7, 20, 38, 0.16);
}

.center-cta {
  display: flex;
  justify-content: center;
  margin-top: 34px;
}

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(360px, 1.1fr);
  align-items: center;
  gap: 40px;
}

.split-grid p {
  color: var(--muted);
  font-size: 1.04rem;
}

.notice {
  display: flex;
  gap: 14px;
  margin-top: 24px;
  padding: 18px;
  color: #293241;
  border: 1px solid rgba(216, 166, 61, 0.42);
  border-radius: var(--radius);
  background: #fff8e9;
}

.notice strong {
  flex: 0 0 auto;
  color: var(--navy);
}

.flow-panel {
  padding: 24px;
}

.flow-panel h3 {
  margin-bottom: 18px;
}

.flow-line {
  display: grid;
  gap: 10px;
  margin-top: 14px;
  padding: 16px;
  border-radius: var(--radius);
}

.flow-line strong {
  color: var(--navy);
}

.flow-line span {
  position: relative;
  padding: 10px 12px;
  color: #334155;
  border-radius: 8px;
  background: #fff;
  border: 1px solid var(--line);
}

.flow-line.good {
  background: rgba(51, 179, 123, 0.1);
}

.flow-line.bad {
  background: rgba(233, 135, 61, 0.1);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 18px;
}

.coverage-card {
  grid-column: span 2;
  padding: 24px;
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.coverage-card:nth-child(4),
.coverage-card:nth-child(5) {
  grid-column: span 3;
}

.coverage-card svg {
  width: 34px;
  height: 34px;
  margin-bottom: 16px;
  stroke: var(--gold);
  stroke-width: 1.8;
  fill: none;
}

ul {
  padding-left: 0;
  list-style: none;
}

.coverage-card ul,
.comparison-table ul {
  display: grid;
  gap: 9px;
  margin: 16px 0 0;
}

.coverage-card li,
.comparison-table li,
.check-list li,
.warning-list li {
  position: relative;
  padding-left: 25px;
  color: #435166;
}

.coverage-card li::before,
.comparison-table li::before,
.check-list li::before {
  content: "";
  position: absolute;
  top: 0.62em;
  left: 0;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(216, 166, 61, 0.12);
}

.warning-list li::before {
  content: "";
  position: absolute;
  top: 0.62em;
  left: 0;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--orange);
  box-shadow: 0 0 0 4px rgba(233, 135, 61, 0.12);
}

.section-note {
  margin: 22px 0 0;
  color: var(--muted);
}

.slim-dark {
  padding: 86px 0;
}

.expense-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.glass-card {
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(16px);
}

.glass-card h3 {
  color: #ffffff;
}

.glass-card p,
.dark-note {
  color: rgba(255, 255, 255, 0.68);
}

.dark-note {
  max-width: 860px;
  margin: 24px 0 0;
}

.premium-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.premium-card {
  position: relative;
  overflow: hidden;
  padding: 26px;
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.premium-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-2), var(--orange));
}

.check-panel {
  padding: 26px;
}

.check-list,
.warning-list {
  display: grid;
  gap: 10px;
  margin: 16px 0 0;
}

.two-cols {
  grid-template-columns: repeat(2, 1fr);
  gap: 11px 18px;
}

.compare-box {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  padding: 18px;
}

.compare-box > div {
  padding: 18px;
  border-radius: var(--radius);
  background: var(--soft);
}

.comparison-table {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  overflow: hidden;
}

.compare-column {
  padding: 28px;
}

.compare-column.self {
  background: #ffffff;
}

.compare-column.guided {
  background: linear-gradient(145deg, #fff8e9, #ffffff);
  border-left: 1px solid var(--line);
}

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

.step-card {
  position: relative;
  padding: 26px;
}

.step-card span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  color: var(--navy);
  font-weight: 900;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--gold-2), #fff2c8);
}

.form-section {
  background:
    radial-gradient(circle at 88% 12%, rgba(216, 166, 61, 0.18), transparent 26%),
    linear-gradient(180deg, #ffffff, var(--soft));
}

.form-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(430px, 1fr);
  align-items: start;
  gap: 44px;
}

.form-copy p {
  color: var(--muted);
  font-size: 1.08rem;
}

.form-side-card {
  margin-top: 28px;
  padding: 22px;
  box-shadow: none;
}

.lead-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  padding: 28px;
}

.lead-form label {
  display: grid;
  gap: 8px;
}

.lead-form span {
  color: var(--navy);
  font-size: 0.94rem;
  font-weight: 800;
}

.lead-form em {
  color: var(--muted);
  font-style: normal;
  font-weight: 500;
}

.lead-form input,
.lead-form select,
.lead-form textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  color: var(--text);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.lead-form textarea {
  resize: vertical;
}

.lead-form input:focus,
.lead-form select:focus,
.lead-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(216, 166, 61, 0.15);
}

.full,
.form-status,
.form-micro,
.form-disclaimer {
  grid-column: 1 / -1;
}

.form-status {
  display: none;
  padding: 14px;
  color: #0f5132;
  border: 1px solid rgba(51, 179, 123, 0.32);
  border-radius: var(--radius);
  background: rgba(51, 179, 123, 0.1);
  font-weight: 800;
}

.form-status.is-visible {
  display: block;
}

.form-micro,
.form-disclaimer {
  margin: 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.form-disclaimer {
  padding: 14px;
  border-radius: var(--radius);
  background: var(--soft);
}

.faq-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.42fr) minmax(0, 0.58fr);
  align-items: start;
  gap: 42px;
}

.faq-intro {
  position: sticky;
  top: 106px;
}

.faq-intro p:not(.eyebrow) {
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 12px;
}

details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: 0 12px 34px rgba(7, 20, 38, 0.07);
  overflow: hidden;
}

summary {
  position: relative;
  padding: 20px 54px 20px 20px;
  color: var(--navy);
  font-weight: 900;
  cursor: pointer;
  list-style: none;
}

summary::-webkit-details-marker {
  display: none;
}

summary::after {
  content: "+";
  position: absolute;
  top: 50%;
  right: 20px;
  width: 26px;
  height: 26px;
  transform: translateY(-50%);
  color: var(--navy);
  line-height: 24px;
  text-align: center;
  border: 1px solid var(--line);
  border-radius: 50%;
}

details[open] summary::after {
  content: "-";
}

details p {
  margin: 0;
  padding: 0 20px 20px;
  color: var(--muted);
}

.final-cta {
  padding: 86px 0;
}

.final-card {
  max-width: 860px;
  text-align: center;
}

.final-card h2 {
  color: #ffffff;
}

.final-card p {
  max-width: 720px;
  margin: 20px auto 28px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 1.12rem;
}

.final-card small {
  display: block;
  margin-top: 16px;
  color: rgba(255, 255, 255, 0.62);
}

.site-footer {
  padding: 42px 0 54px;
  color: rgba(255, 255, 255, 0.78);
  background: #060d18;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 34px;
}

.footer-brand strong {
  color: #ffffff;
}

.footer-brand small {
  color: rgba(255, 255, 255, 0.62);
}

.site-footer p {
  max-width: 760px;
  margin: 18px 0 0;
  font-size: 0.92rem;
}

.site-footer nav {
  display: grid;
  gap: 10px;
  align-content: start;
}

.site-footer a:hover {
  color: var(--gold-2);
}

.mobile-sticky-cta {
  position: fixed;
  left: 14px;
  right: 14px;
  bottom: 14px;
  z-index: 60;
  display: none;
  justify-content: center;
  min-height: 52px;
  padding: 15px 18px;
  color: #111827;
  font-weight: 900;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--gold-2), var(--gold) 52%, var(--orange));
  box-shadow: 0 18px 45px rgba(7, 20, 38, 0.28);
}

.reveal {
  opacity: 1;
  transform: none;
}

.js .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 520ms ease, transform 520ms ease;
}

.js .hero .reveal,
.js .reveal.is-visible {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .reveal,
  .btn,
  .feature-card,
  .coverage-card,
  .premium-card,
  .persona-card {
    transition: none;
  }
}

@media (max-width: 1060px) {
  .nav {
    gap: 18px;
  }

  .hero-grid,
  .split-grid,
  .form-grid,
  .faq-layout {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    min-height: 520px;
  }

  .trust-grid,
  .expense-grid,
  .steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .situation-grid,
  .reason-grid,
  .persona-grid,
  .premium-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .coverage-card,
  .coverage-card:nth-child(4),
  .coverage-card:nth-child(5) {
    grid-column: auto;
  }

  .faq-intro {
    position: static;
  }
}

@media (max-width: 820px) {
  .site-header {
    min-height: 68px;
  }

  .brand small {
    max-width: 160px;
  }

  .nav {
    position: fixed;
    inset: 68px 16px auto;
    z-index: 70;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 10px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: #ffffff;
    box-shadow: var(--shadow);
  }

  .nav.is-open {
    display: flex;
  }

  .nav a {
    padding: 14px;
    border-radius: 8px;
  }

  .nav a:hover {
    background: var(--soft);
  }

  .header-cta {
    min-height: 40px;
    padding: 9px 12px;
    font-size: 0.9rem;
  }

  .header-cta .desktop-text {
    display: none;
  }

  .header-cta .mobile-text {
    display: inline;
  }

  .menu-toggle {
    display: block;
  }

  .section {
    padding: 72px 0;
  }

  .hero {
    min-height: auto;
    padding-top: 58px;
  }

  .cta-row,
  .cta-row .btn {
    width: 100%;
  }

  .badge-row span {
    flex: 1 1 130px;
    text-align: center;
  }

  .hero-visual {
    min-height: 620px;
  }

  .orbit-card {
    width: calc(50% - 28px);
  }

  .card-dispute {
    left: 18px;
  }

  .card-lawyer {
    right: 18px;
  }

  .card-cost {
    left: 18px;
  }

  .card-protect {
    right: 18px;
  }

  .visual-flow {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .visual-flow i {
    width: 1px;
    height: 14px;
    margin: 0 auto;
  }

  .comparison-table,
  .compare-box,
  .lead-form {
    grid-template-columns: 1fr;
  }

  .compare-column.guided {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .mobile-sticky-cta {
    display: flex;
  }

  body {
    padding-bottom: 78px;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 28px, var(--container));
  }

  .site-header {
    padding-inline: 14px;
  }

  .brand {
    min-width: auto;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
  }

  .brand strong {
    font-size: 0.95rem;
  }

  .brand small {
    font-size: 0.72rem;
  }

  h1 {
    font-size: clamp(2.18rem, 12vw, 3.35rem);
  }

  h2 {
    font-size: clamp(1.85rem, 9vw, 2.45rem);
  }

  .trust-grid,
  .situation-grid,
  .reason-grid,
  .persona-grid,
  .coverage-grid,
  .expense-grid,
  .premium-grid,
  .steps {
    grid-template-columns: 1fr;
  }

  .hero-quiz {
    padding: 14px;
  }

  .quiz-options button {
    flex: 1 1 120px;
  }

  .hero-visual {
    min-height: 670px;
  }

  .orbit-card {
    width: calc(100% - 32px);
  }

  .card-dispute {
    top: 18px;
    left: 16px;
  }

  .card-lawyer {
    top: 148px;
    right: 16px;
  }

  .card-cost {
    top: 278px;
    bottom: auto;
    left: 16px;
  }

  .card-protect {
    top: 408px;
    right: 16px;
    bottom: auto;
  }

  .hero-shield {
    display: none;
  }

  .visual-flow {
    bottom: 16px;
  }

  .notice {
    flex-direction: column;
  }

  .two-cols {
    grid-template-columns: 1fr;
  }

  .lead-form {
    padding: 20px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }
}