/* BEST AUTO INSURANCE GUIDES - Premium Agency Style */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@600;700&display=swap');

:root{
  --navy:#0B1E3A;
  --navy-2:#0F2A52;
  --navy-light:#14315E;
  --gold:#C6A87A;
  --gold-dark:#B8935F;
  --gold-light:#F5EFE6;
  --text:#1A2332;
  --muted:#6B7A90;
  --bg:#F8F9FB;
  --white:#FFFFFF;
  --border:#E8ECF1;
  --success:#0E9F6E;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:1180px;margin:0 auto;padding:0 24px}

/* Top Bar */
.topbar{background:var(--navy);color:rgba(255,255,255,.9);font-size:13px;padding:10px 0;position:relative;z-index:100}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.topbar a:hover{color:var(--gold)}
.topbar-left,.topbar-right{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.topbar-dot{width:4px;height:4px;background:var(--gold);border-radius:50%;display:inline-block}
.disclaimer-strip{background:#FFF8E7;border-bottom:1px solid #F3E6C8;color:#7A5A1E;font-size:12.5px;padding:9px 0;text-align:center;letter-spacing:.02em}
.disclaimer-strip strong{color:#5A3E0A}

/* Header */
.header{position:sticky;top:0;z-index:99;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);transition:.3s}
.header.scrolled{box-shadow:0 8px 30px rgba(11,30,58,.08)}
.header .container{display:flex;justify-content:space-between;align-items:center;height:78px;gap:24px}
.logo{display:flex;align-items:center;gap:12px}
.logo-mark{width:44px;height:44px;background:var(--navy);border-radius:10px;display:grid;place-items:center;color:var(--gold);font-family:'Playfair Display',serif;font-weight:700;font-size:18px;letter-spacing:.5px;position:relative;overflow:hidden}
.logo-mark::after{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(198,168,122,.18),transparent 60%)}
.logo-text h1{font-family:'Playfair Display',serif;font-size:18px;line-height:1;color:var(--navy);letter-spacing:-.02em}
.logo-text p{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-top:2px}
.nav{display:flex;gap:32px;align-items:center}
.nav a{font-size:14.5px;font-weight:500;color:var(--text);position:relative;padding:4px 0}
.nav a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--gold);transition:.3s}
.nav a:hover::after,.nav a.active::after{width:100%}
.nav a:hover{color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;border-radius:8px;transition:.3s;cursor:pointer;border:0;font-family:inherit}
.btn-primary{background:var(--navy);color:white;padding:13px 24px;font-size:14.5px;box-shadow:0 10px 24px rgba(11,30,58,.18)}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px);box-shadow:0 14px 32px rgba(11,30,58,.22)}
.btn-gold{background:var(--gold);color:var(--navy);padding:14px 28px;font-size:15px}
.btn-gold:hover{background:var(--gold-dark);transform:translateY(-1px)}
.btn-outline{background:transparent;border:1.5px solid var(--border);color:var(--navy);padding:12px 22px}
.btn-outline:hover{border-color:var(--navy);background:var(--navy);color:white}
.btn-sm{padding:10px 18px;font-size:13.5px}
.mobile-toggle{display:none;width:44px;height:44px;border:1px solid var(--border);background:white;border-radius:10px;place-items:center;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(180deg,#F8F9FB 0%,#FFFFFF 100%);position:relative;overflow:hidden;padding:42px 0 0}
.hero::before{content:"";position:absolute;top:-120px;right:-120px;width:520px;height:520px;background:radial-gradient(circle at center,rgba(198,168,122,.12),transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:28px 0 54px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--gold-light);border:1px solid #EDE0C8;color:#7A5A1E;padding:7px 14px;border-radius:100px;font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.eyebrow span{width:7px;height:7px;background:var(--success);border-radius:50%;box-shadow:0 0 0 6px rgba(14,159,110,.12);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(14,159,110,.3)}70%{box-shadow:0 0 0 8px rgba(14,159,110,0)}100%{box-shadow:0 0 0 0 rgba(14,159,110,0)}}
.hero h2{font-family:'Playfair Display',serif;font-size:52px;line-height:1.05;letter-spacing:-.03em;color:var(--navy);margin:18px 0 16px}
.hero h2 em{font-style:italic;color:var(--gold-dark);font-weight:600;position:relative}
.hero p.lead{font-size:17.5px;color:var(--muted);line-height:1.7;max-width:560px}
.hero-ctas{display:flex;gap:14px;margin:28px 0 22px;flex-wrap:wrap}
.hero-trust{display:flex;gap:18px;align-items:center;flex-wrap:wrap;padding-top:18px;border-top:1px solid var(--border);margin-top:8px}
.hero-trust-item{display:flex;align-items:center;gap:8px;font-size:13.5px;color:var(--muted);font-weight:500}
.hero-trust-item svg{color:var(--success)}
.hero-visual{position:relative}
.hero-img-wrap{position:relative;border-radius:22px;overflow:hidden;box-shadow:0 30px 60px rgba(11,30,58,.18);background:#ddd;aspect-ratio:1.15/1}
.hero-img-wrap img{width:100%;height:100%;object-fit:cover;transition:transform 8s ease}
.hero-img-wrap:hover img{transform:scale(1.05)}
.hero-card{position:absolute;left:-18px;bottom:22px;background:white;border-radius:16px;padding:16px 18px;box-shadow:0 20px 40px rgba(11,30,58,.14);border:1px solid var(--border);display:flex;gap:14px;align-items:center;max-width:340px;animation:float 5s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-6px)}}
.hero-card-icon{width:48px;height:48px;background:var(--gold-light);border-radius:12px;display:grid;place-items:center;color:var(--gold-dark);flex-shrink:0}
.hero-card h4{font-size:14px;color:var(--navy);line-height:1.3}
.hero-card p{font-size:12.5px;color:var(--muted);margin-top:2px}
.hero-badge{position:absolute;top:18px;right:18px;background:rgba(11,30,58,.92);backdrop-filter:blur(8px);color:white;padding:10px 14px;border-radius:100px;font-size:13px;font-weight:600;display:flex;gap:8px;align-items:center;border:1px solid rgba(255,255,255,.12)}

/* Advisory Notice */
.advisory{background:var(--navy);color:white;padding:14px 0}
.advisory .container{display:flex;gap:16px;align-items:center;justify-content:center;text-align:center;flex-wrap:wrap;font-size:14px}
.advisory strong{color:var(--gold)}
.advisory a{color:var(--gold);text-decoration:underline;text-underline-offset:3px}

/* Sections */
.section{padding:84px 0}
.section-alt{background:var(--bg)}
.section-head{text-align:center;max-width:720px;margin:0 auto 48px}
.section-head .eyebrow{margin-bottom:14px}
.section-head h3{font-family:'Playfair Display',serif;font-size:38px;line-height:1.15;letter-spacing:-.02em;color:var(--navy)}
.section-head p{color:var(--muted);font-size:16.5px;margin-top:14px;line-height:1.7}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:white;border:1px solid var(--border);border-radius:18px;padding:28px;transition:.35s;position:relative;overflow:hidden}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),transparent);opacity:0;transition:.35s}
.card:hover{transform:translateY(-6px);box-shadow:0 20px 40px rgba(11,30,58,.08);border-color:#D8DEE6}
.card:hover::before{opacity:1}
.card-icon{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;background:var(--gold-light);color:var(--gold-dark);border:1px solid #EDE0C8}
.card h4{font-size:17px;color:var(--navy);margin-bottom:8px;letter-spacing:-.01em}
.card p{font-size:14.5px;color:var(--muted);line-height:1.7}
.card ul{margin-top:14px;list-style:none;display:grid;gap:8px}
.card li{font-size:13.5px;color:var(--text);display:flex;gap:8px;align-items:center}
.card li::before{content:"✓";width:20px;height:20px;background:#ECFDF5;color:var(--success);border-radius:50%;display:grid;place-items:center;font-size:11px;font-weight:700;flex-shrink:0}

/* How it works */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative}
.steps::before{content:"";position:absolute;top:34px;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);z-index:0}
.step{text-align:center;position:relative;z-index:1}
.step-num{width:68px;height:68px;background:white;border:2px solid var(--border);border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;font-family:'Playfair Display',serif;font-size:22px;font-weight:700;color:var(--navy);box-shadow:0 8px 20px rgba(11,30,58,.06)}
.step.active .step-num{background:var(--navy);color:white;border-color:var(--navy);box-shadow:0 12px 28px rgba(11,30,58,.18)}
.step h4{font-size:18px;color:var(--navy);margin-bottom:8px}
.step p{font-size:14.5px;color:var(--muted);line-height:1.7;max-width:320px;margin:0 auto}
.step .arrow{position:absolute;top:34px;right:-18px;color:var(--border);display:block}

/* Why Us */
.why-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:center}
.why-img{position:relative;border-radius:20px;overflow:hidden;box-shadow:0 24px 48px rgba(11,30,58,.12);aspect-ratio:1.1/1}
.why-img img{width:100%;height:100%;object-fit:cover}
.why-badge{position:absolute;bottom:18px;left:18px;right:18px;background:white;border-radius:14px;padding:16px;display:flex;gap:12px;align-items:center;box-shadow:0 16px 32px rgba(11,30,58,.14)}
.why-list{display:grid;gap:18px}
.why-item{display:flex;gap:16px;padding:18px;background:white;border:1px solid var(--border);border-radius:14px;transition:.3s}
.why-item:hover{border-color:#D8DEE6;box-shadow:0 10px 24px rgba(11,30,58,.06)}
.why-item-icon{width:44px;height:44px;background:var(--gold-light);border-radius:10px;display:grid;place-items:center;color:var(--gold-dark);flex-shrink:0;border:1px solid #EDE0C8}
.why-item h4{font-size:15.5px;color:var(--navy);margin-bottom:4px}
.why-item p{font-size:14px;color:var(--muted);line-height:1.6}

/* Coverage */
.coverage{background:var(--navy);color:white;padding:84px 0;position:relative;overflow:hidden}
.coverage::before{content:"";position:absolute;inset:0;background:radial-gradient(600px circle at 80% 20%,rgba(198,168,122,.14),transparent 60%)}
.coverage .section-head h3{color:white}
.coverage .section-head p{color:rgba(255,255,255,.72)}
.cover-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.cover-card{background:rgba(255,255,255,.06);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:22px;transition:.3s}
.cover-card:hover{background:rgba(255,255,255,.1);transform:translateY(-4px)}
.cover-card h4{font-size:15px;margin-bottom:8px;color:white;display:flex;gap:10px;align-items:center}
.cover-card h4 span{width:32px;height:32px;background:rgba(198,168,122,.18);border-radius:8px;display:grid;place-items:center;color:var(--gold);flex-shrink:0}
.cover-card p{font-size:13.5px;color:rgba(255,255,255,.7);line-height:1.6}

/* FAQ */
.faq-grid{max-width:860px;margin:0 auto;display:grid;gap:14px}
.faq-item{background:white;border:1px solid var(--border);border-radius:14px;overflow:hidden;transition:.3s}
.faq-item.open{border-color:#D8DEE6;box-shadow:0 10px 24px rgba(11,30,58,.06)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 20px;background:white;border:0;cursor:pointer;text-align:left;font-family:inherit}
.faq-q h4{font-size:15.5px;color:var(--navy);font-weight:600}
.faq-icon{width:32px;height:32px;border:1px solid var(--border);border-radius:50%;display:grid;place-items:center;color:var(--muted);flex-shrink:0;transition:.3s}
.faq-item.open .faq-icon{background:var(--navy);color:white;border-color:var(--navy);transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:.35s ease}
.faq-item.open .faq-a{max-height:320px}
.faq-a p{padding:0 20px 18px;color:var(--muted);font-size:14.5px;line-height:1.7}

/* Contact */
.contact{padding:84px 0;background:var(--bg)}
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:start}
.contact-card{background:white;border:1px solid var(--border);border-radius:20px;padding:28px;box-shadow:0 16px 32px rgba(11,30,58,.06)}
.contact-card h3{font-family:'Playfair Display',serif;font-size:26px;color:var(--navy);margin-bottom:6px}
.contact-card > p{color:var(--muted);font-size:14.5px;margin-bottom:22px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:grid;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:13px;font-weight:600;color:var(--navy);letter-spacing:.02em}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:10px;font-family:inherit;font-size:14.5px;color:var(--text);background:white;transition:.2s;outline:none}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy);box-shadow:0 0 0 4px rgba(11,30,58,.08)}
.field textarea{resize:vertical;min-height:110px}
.form-note{font-size:12.5px;color:var(--muted);margin-top:12px;line-height:1.6}
.form-note a{color:var(--navy);text-decoration:underline}
.info-stack{display:grid;gap:16px}
.info-card{background:white;border:1px solid var(--border);border-radius:16px;padding:22px;display:flex;gap:16px;align-items:flex-start}
.info-card-icon{width:46px;height:46px;background:var(--navy);color:var(--gold);border-radius:12px;display:grid;place-items:center;flex-shrink:0}
.info-card h4{font-size:15px;color:var(--navy);margin-bottom:4px}
.info-card p,.info-card a{font-size:14.5px;color:var(--muted);line-height:1.6}
.info-card a:hover{color:var(--navy)}
.map-wrap{border-radius:16px;overflow:hidden;border:1px solid var(--border);height:260px;background:#E8ECF1;position:relative}
.map-wrap iframe{width:100%;height:100%;border:0}
.disclaimer-box{background:#FFF8E7;border:1px solid #F3E6C8;border-radius:12px;padding:14px 16px;font-size:13px;color:#7A5A1E;line-height:1.6;margin-top:4px}

/* Footer */
.footer{background:var(--navy);color:rgba(255,255,255,.82);padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:1.6fr .9fr .9fr 1.2fr;gap:36px;padding-bottom:36px}
.footer-brand h3{font-family:'Playfair Display',serif;font-size:20px;color:white;margin-bottom:10px}
.footer-brand p{font-size:14px;line-height:1.7;color:rgba(255,255,255,.68);max-width:380px}
.footer h4{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.9);margin-bottom:16px}
.footer-links{list-style:none;display:grid;gap:10px}
.footer-links a{font-size:14px;color:rgba(255,255,255,.68);transition:.2s}
.footer-links a:hover{color:white}
.footer-contact{display:grid;gap:10px}
.footer-contact a{color:rgba(255,255,255,.82)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:18px 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center;font-size:13px;color:rgba(255,255,255,.58)}
.footer-bottom a{color:rgba(255,255,255,.72)}
.footer-bottom a:hover{color:white}

/* Reveal Animations */
.reveal{opacity:0;transform:translateY(18px);transition:650ms cubic-bezier(.2,.8,.2,1)}
.reveal.in{opacity:1;transform:none}
.reveal.delay-1{transition-delay:.08s}
.reveal.delay-2{transition-delay:.16s}
.reveal.delay-3{transition-delay:.24s}

/* Mobile Sticky Call */
.sticky-call{display:none;position:fixed;bottom:0;left:0;right:0;z-index:98;background:white;border-top:1px solid var(--border);padding:10px 12px;box-shadow:0 -10px 30px rgba(11,30,58,.12)}
.sticky-call a{width:100%;background:var(--navy);color:white;border-radius:12px;padding:14px 18px;display:flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:16px;letter-spacing:.02em}
.sticky-call a span{width:36px;height:36px;background:var(--gold);color:var(--navy);border-radius:50%;display:grid;place-items:center}

/* Responsive */
@media(max-width:1024px){
  .hero-grid,.why-grid,.contact-grid{grid-template-columns:1fr;gap:32px}
  .hero h2{font-size:44px}
  .grid-3,.cover-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr;gap:24px}
  .steps::before{display:none}
  .step .arrow{display:none}
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
}
@media(max-width:768px){
  .topbar{display:none}
  .header .container{height:68px}
  .nav{display:none}
  .nav.open{display:flex;position:fixed;top:68px;left:0;right:0;background:white;border-bottom:1px solid var(--border);flex-direction:column;align-items:stretch;padding:18px;gap:0;box-shadow:0 20px 40px rgba(11,30,58,.12)}
  .nav.open a{padding:14px 0;border-bottom:1px solid var(--border)}
  .nav.open a:last-child{border:0}
  .nav.open .btn{display:flex;margin-top:12px}
  .mobile-toggle{display:grid}
  .hero{padding-top:18px}
  .hero h2{font-size:36px}
  .hero-card{left:12px;right:12px;max-width:none;bottom:-18px}
  .hero-img-wrap{aspect-ratio:1.05/1}
  .section{padding:56px 0}
  .section-head h3{font-size:30px}
  .grid-3,.cover-grid{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .sticky-call{display:block}
  body{padding-bottom:72px}
}
@media(max-width:480px){
  .hero h2{font-size:32px}
  .container{padding:0 16px}
}

/* Legal Page */
.legal-hero{background:var(--navy);color:white;padding:48px 0}
.legal-hero h1{font-family:'Playfair Display',serif;font-size:38px;letter-spacing:-.02em}
.legal-hero p{color:rgba(255,255,255,.72);margin-top:8px}
.legal-content{max-width:860px;margin:0 auto;padding:48px 24px;background:white}
.legal-content h2{font-size:22px;color:var(--navy);margin:32px 0 12px;font-family:'Playfair Display',serif}
.legal-content h3{font-size:16px;color:var(--navy);margin:20px 0 8px}
.legal-content p,.legal-content li{font-size:14.5px;color:var(--muted);line-height:1.8}
.legal-content ul{padding-left:18px;display:grid;gap:6px;margin:10px 0}
.legal-content a{color:var(--navy);text-decoration:underline}
.legal-updated{inline-size:fit-content;background:var(--gold-light);border:1px solid #EDE0C8;color:#7A5A1E;padding:8px 12px;border-radius:100px;font-size:12.5px;font-weight:600;margin-bottom:18px}