:root{--blue-950: #061126;--blue-900: #0b1b3b;--blue-850: #102654;--blue-800: #16306a;--blue-700: #1d3c7f;--blue-600: #2452a6;--blue-500: #2b5fd1;--blue-100: #e3ebff;--surface: #edf1fa;--surface-2: #e1e7f4;--white: #ffffff;--text: #0a1430;--muted: #4b5d86;--shadow: 0 18px 40px rgba(6, 17, 38, .18);--radius: 4px;--gap: 24px;--font-display: "Montserrat", "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:IBM Plex Sans,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--text);background:linear-gradient(140deg,#2b5fd114,#fff0),linear-gradient(0deg,var(--surface),var(--white) 60%);min-height:100vh}body:before{content:"";position:fixed;top:0;right:0;bottom:0;left:0;background-image:linear-gradient(rgba(11,27,59,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(11,27,59,.05) 1px,transparent 1px);background-size:90px 90px;opacity:.28;pointer-events:none;z-index:-1}.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}a{color:inherit;text-decoration:none}.link-accent{color:#2261c7;text-decoration:none;text-underline-offset:3px;font-weight:600}.link-accent:hover,.link-accent:focus-visible{text-decoration:underline;color:#2261c7}.text-red{color:#d92d20!important}img{width:100%;display:block;object-fit:cover}.page{min-height:100vh;display:flex;flex-direction:column}.container{width:min(1180px,92vw);margin:0 auto}.topbar{background:var(--surface-2);border-bottom:1px solid rgba(6,17,38,.08);font-size:.92rem}.topbar-inner{display:flex;gap:18px;justify-content:space-between;padding:10px 0;color:var(--text);text-transform:uppercase;letter-spacing:.06em}.topbar-item a{font-weight:600}.topbar-item:last-child{font-weight:600}.topbar-item{display:flex;align-items:center;gap:8px}.topbar-icon{display:inline-flex;width:16px;height:16px}.topbar-icon svg{width:16px;height:16px}.social-rail{position:fixed;left:18px;bottom:24px;display:flex;align-items:center;flex-direction:column;gap:0;z-index:15}.scroll-top{position:fixed;right:18px;bottom:110px;width:46px;height:46px;display:grid;place-items:center;border:1px solid rgba(11,27,59,.2);background:#ffffffeb;color:var(--blue-900);box-shadow:0 12px 24px #06112633;cursor:pointer;z-index:16;border-radius:999px}.scroll-top svg{width:22px;height:22px}.emergency-call{position:fixed;right:18px;top:50%;transform:translateY(-50%);z-index:18;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;width:110px;height:110px;padding:12px;border-radius:8px;border:2px solid rgba(36,82,166,.65);background:#fffffff5;color:var(--blue-900);box-shadow:0 14px 28px #06112633;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);overflow:hidden;transition:width .25s ease,box-shadow .25s ease,transform .25s ease,padding .25s ease}.emergency-call:hover{width:240px;height:150px;padding:14px 16px;transform:translateY(-50%) translate(-6px);box-shadow:0 18px 34px #06112642}.emergency-icon{width:52px;height:52px;border-radius:999px;display:grid;place-items:center;background:transparent;color:var(--blue-900);transform-origin:center;animation:emergencyShake 5s ease-in-out infinite}.emergency-icon svg{width:26px;height:26px}.emergency-title{text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:#0b1b3bf2;font-weight:700;text-align:center}.emergency-number{font-size:1.12rem;font-weight:700;color:var(--blue-900);white-space:nowrap;max-width:0;opacity:0;transform:translateY(-6px);transition:opacity .2s ease,transform .25s ease,max-height .25s ease;overflow:hidden;max-height:0}.emergency-call:hover .emergency-number{opacity:1;transform:translateY(0);max-height:36px;max-width:220px}@keyframes emergencyShake{0%,88%,to{transform:rotate(0)}90%{transform:rotate(-10deg)}92%{transform:rotate(10deg)}94%{transform:rotate(-8deg)}96%{transform:rotate(8deg)}98%{transform:rotate(0)}}.social-rail a{width:56px;height:56px;display:grid;place-items:center;border:none;background:transparent;color:inherit;box-shadow:none}.social-rail svg{width:30px;height:30px}.site-header{position:sticky;top:0;z-index:10;background:linear-gradient(120deg,var(--blue-700) 0 50%,#ffffff 50% 100%);color:var(--white);border-bottom:none}.header-inner{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:var(--gap);padding:18px 0}.header-panel{display:contents}.mobile-toggle{display:none;width:44px;height:44px;border-radius:8px;border:1px solid rgba(255,255,255,.24);background:#ffffff14;color:var(--white);align-items:center;justify-content:center;gap:5px;flex-direction:column;cursor:pointer}.mobile-toggle span{display:block;width:22px;height:2px;background:currentColor;border-radius:999px}.logo{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.logo img{height:34px;width:auto}.logo-text{font-size:1.25rem;font-family:var(--font-display)}.header-mobile-contact{display:none}.main-nav{display:flex;gap:22px;font-weight:500;text-transform:uppercase;letter-spacing:.08em;justify-self:center}@media (min-width: 721px){.main-nav{margin-left:45px}.main-nav .nav-link-shift{font-weight:700}}@media (min-width: 981px){.hero-copy{max-width:720px}}.main-nav a{padding-bottom:6px;color:var(--blue-900);border-bottom:2px solid transparent;transition:border-color .2s ease,opacity .2s ease}.nav-dropdown{position:relative}.nav-dropdown:after{content:"";position:absolute;left:0;right:0;top:100%;height:12px}.nav-button{background:transparent;border:none;color:var(--blue-900);padding-bottom:6px;font:inherit;text-transform:inherit;letter-spacing:inherit;border-bottom:2px solid transparent;cursor:pointer;transition:border-color .2s ease,opacity .2s ease}.nav-button--light,.main-nav .nav-button--light{color:var(--white)}.nav-button--light:hover,.nav-button--light:focus-visible{border-color:var(--white)}.main-nav a.nav-button--light:hover,.main-nav a.nav-button--light:focus-visible{border-color:var(--white);opacity:1}.nav-button:hover,.nav-button:focus-visible,.main-nav a:hover{border-color:#0b1b3bb3;opacity:1}.nav-menu{position:absolute;left:0;top:100%;margin-top:12px;background:#fff;border:1px solid rgba(11,27,59,.16);padding:14px 16px;min-width:240px;display:none;gap:10px;z-index:30;box-shadow:0 18px 40px #0611262e;border-radius:4px;color:var(--blue-900)}.nav-dropdown:hover .nav-menu,.nav-dropdown:focus-within .nav-menu{display:grid}.nav-menu a{color:var(--blue-900);text-transform:none;letter-spacing:.02em;font-weight:600;border-bottom:none;white-space:nowrap}.nav-menu a:hover{color:var(--blue-700);border-bottom:none;opacity:1}.main-nav a:hover{border-color:#0b1b3bb3;opacity:1}.header-actions{display:flex;gap:12px;flex-wrap:wrap;justify-self:end}.header-actions .button-outline{color:var(--blue-900);border-color:#0b1b3b66}.header-actions .icon-button--inverse{color:#d92d20;border-color:#0b1b3b66}.user-menu{position:relative}.user-icon{display:inline-flex;width:18px;height:18px}.user-icon svg{width:18px;height:18px}.user-menu:after{content:"";position:absolute;left:0;right:0;top:100%;height:12px}.menu-panel{position:absolute;right:0;top:calc(100% + 12px);background:#fff;border:1px solid rgba(11,27,59,.16);padding:16px;min-width:240px;z-index:30;box-shadow:0 18px 40px #0611262e;border-radius:4px;color:var(--blue-900)}.menu-panel{display:none}.user-menu:hover .menu-panel,.user-menu:focus-within .menu-panel{display:grid}.login-error{color:#b42318;font-size:.85rem}.menu-panel{gap:10px}.menu-panel a,.menu-panel button{color:var(--blue-900);text-align:left;background:transparent;border:none;padding:6px 0;font:inherit;cursor:pointer}.menu-panel a:hover,.menu-panel button:hover{color:var(--blue-700)}.modal-backdrop{position:fixed;top:0;right:0;bottom:0;left:0;background:#061126c7;display:flex;align-items:center;justify-content:center;z-index:50}.login-modal{width:min(420px,92vw);background:var(--white);color:var(--text);border:1px solid rgba(11,27,59,.15);padding:24px;box-shadow:0 20px 50px #06112640;position:relative}.login-modal h3{margin-bottom:6px;font-family:var(--font-display)}.login-modal form{display:grid;gap:12px;margin-top:16px}.login-modal label{color:var(--muted);font-size:.9rem}.login-modal input{border:1px solid rgba(11,27,59,.2);background:#f4f7ff;color:var(--text)}.modal-actions{display:flex;gap:12px;flex-wrap:wrap}.modal-close{position:absolute;top:-12px;right:-12px;width:34px;height:34px;border-radius:50%;border:2px solid #b42318;background:#d92d20;color:var(--white);font-size:20px;font-weight:700;cursor:pointer;display:grid;place-items:center;box-shadow:0 12px 24px #0611264d}.modal-close:hover{filter:brightness(.95)}.success-modal-backdrop{position:fixed;top:0;right:0;bottom:0;left:0;background:#061126c7;display:grid;place-items:center;z-index:60;padding:20px}.success-modal{width:min(420px,92vw);background:var(--white);color:var(--text);border:1px solid rgba(11,27,59,.15);padding:30px 26px;box-shadow:0 20px 50px #06112640;border-radius:16px;text-align:center;display:grid;gap:12px}.success-modal h3{margin:0;font-family:var(--font-display);font-size:1.4rem}.success-modal p{color:var(--muted);line-height:1.5}.success-icon{width:74px;height:74px;border-radius:999px;background:#22c55e;color:#0b3b1c;display:grid;place-items:center;margin:0 auto;box-shadow:0 12px 26px #22c55e4d}.success-icon svg{width:34px;height:34px}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:4px;border:2px solid var(--blue-500);background:linear-gradient(135deg,var(--blue-600),#1b4bcc);color:var(--white);font-weight:700;text-transform:uppercase;letter-spacing:.08em;box-shadow:0 10px 26px #06112640;transition:transform .2s ease,box-shadow .2s ease,background .2s ease}.button:hover{transform:translateY(-2px);box-shadow:0 16px 32px #0611264d}.button-outline{background:transparent;color:var(--white);border-color:#ffffffb3;box-shadow:none}.button-ghost{background:transparent;color:var(--blue-900);border-color:#0b1b3b66;box-shadow:none}.icon-button{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:4px;border:2px solid rgba(11,27,59,.25);background:transparent;color:#d92d20;cursor:pointer;transition:background .2s ease,transform .2s ease,box-shadow .2s ease}.icon-button svg{width:22px;height:22px}.icon-button--circle{border-radius:999px}.icon-button:hover{background:#0b1b3b0f;transform:translateY(-1px)}.icon-button--inverse{border-color:#ffffffb3;color:#ff6b6b}.icon-button--inverse:hover{background:#ffffff14}.hero .button-ghost{background:var(--white);color:var(--blue-800);border-color:var(--white)}.hero{--blue-ink: #0b1b3b;--blue-ink-rgb: 11, 27, 59;--blue-900: #0b1b3b;--blue-800: #16306a;position:relative;min-height:calc(100vh - 480px);display:flex;align-items:center;padding:80px 0 40px;color:var(--white);overflow:hidden}.hero:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(120deg,#06112661,#06112626);z-index:1;pointer-events:none}.hero-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:0}.hero-bg-fire,.hero-bg-flood{position:absolute;top:0;bottom:0;width:52%;background-size:cover;background-position:center;background-repeat:no-repeat}.hero-bg-fire{left:0;z-index:2;background-image:var(--hero-fire);filter:saturate(.95) brightness(1.08) contrast(.95)}.hero-bg-fire:after{content:"";position:absolute;top:0;right:0;width:24%;height:100%;background:linear-gradient(90deg,#06112600,#06112647)}.hero-bg-flood{right:0;z-index:1;background-image:var(--hero-flood);filter:saturate(.98) brightness(1.1) contrast(.95)}.hero-bg-flood:after{content:"";position:absolute;top:0;left:0;width:24%;height:100%;background:linear-gradient(90deg,#06112647,#06112600)}.hero-bg:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(90deg,#0611260a 44%,#0611262e,#0611260a 56%);pointer-events:none}.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr);gap:40px;min-height:calc(100vh - 560px)}.hero-copy{max-width:560px;text-align:left}.hero-copy h1{font-size:clamp(3.2rem,4.2vw,4.7rem);margin-bottom:18px;font-family:"Passion One",var(--font-display);letter-spacing:.03em;font-weight:800;line-height:1.15;text-transform:uppercase;text-shadow:0 12px 28px rgba(6,17,38,.4)}.hero-title{position:relative}.hero-title-ghost{display:block;opacity:0;pointer-events:none}.hero-title-text{position:absolute;top:0;right:0;bottom:0;left:0;display:block;white-space:normal;word-break:normal;overflow-wrap:normal}.hero-title-line{display:block;white-space:nowrap}.hero-title-word{display:inline-flex;white-space:nowrap}.hero-title-word:after{content:"";display:inline-block;width:.35em}.hero-title-word:last-child:after{display:none}.hero-title-letter{display:inline-block;opacity:0;transform:translateY(6px);animation:heroLetterIn .5s ease forwards;will-change:opacity,transform}@keyframes heroLetterIn{0%{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-weight:600;color:#b7c6ff;margin-bottom:16px;font-family:var(--font-display)}.lead{font-size:1.12rem;color:var(--white);margin-bottom:28px;line-height:1.6;text-shadow:0 8px 18px rgba(6,17,38,.35)}.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:28px;justify-content:flex-start}.hero-points{display:grid;gap:14px}.hero-points>div{border-left:2px solid rgba(255,255,255,.25);padding-left:14px}.point-title{font-weight:600;display:block;margin-bottom:4px;text-transform:uppercase;letter-spacing:.08em}.point-text{color:#ffffffbf;font-size:.95rem}.hero-panel{display:grid;gap:16px;align-content:center;margin-left:.25in;margin-top:-2in;width:calc(100% - 1.1in)}.hero-panel-card{border:1px solid rgba(255,255,255,.18);background:#0611268c;padding:16px 18px;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}.hero-panel-card span{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#ffffffb3;margin-bottom:10px}.hero-panel-card strong{display:block;font-size:1.05rem;margin-bottom:6px}.hero-panel-card ul,.hero-panel-card ol{margin:0;padding-left:18px;color:#ffffffd1;display:grid;gap:6px}.about{position:relative;padding:90px 0;background:#fff;color:var(--text);border-top:1px solid rgba(11,27,59,.08);border-bottom:1px solid rgba(11,27,59,.08)}.about:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:none;opacity:0;pointer-events:none}.about-collage{margin-top:0}.about .collage-item{border-color:#0b1b3b24;box-shadow:0 12px 26px #0712291f}.about-grid{display:grid;grid-template-columns:1.1fr 1.4fr;gap:40px;align-items:start}.about-text h2,.section-head h2,.contact-info h2{font-size:clamp(2rem,2.5vw,2.5rem);margin-bottom:16px;font-family:var(--font-display);letter-spacing:.02em}.about-text p{color:var(--muted);line-height:1.6}.about .eyebrow{color:var(--blue-700)}.about-text{position:relative;z-index:1}.about-flow{z-index:1}.about-flow{position:relative;display:grid;grid-template-columns:1fr;gap:24px;padding-left:38px}.about-flow:before{content:"";position:absolute;left:12px;top:8px;bottom:8px;width:2px;background:linear-gradient(180deg,#fff9,#ffffff1f)}.about-flow-item{position:relative;border:1px solid rgba(255,255,255,.18);padding:22px 24px;background:#06112659;box-shadow:0 12px 24px #0611264d;border-radius:6px}.about-flow-item:before{content:"";position:absolute;left:-38px;top:24px;width:16px;height:16px;background:#ffffffe6;border:3px solid rgba(6,17,38,.9);box-shadow:0 8px 16px #06112659}.about-flow-item:after{content:"↓";position:absolute;left:-26px;bottom:-18px;width:24px;height:24px;border-radius:999px;display:grid;place-items:center;background:#061126d9;border:1px solid rgba(255,255,255,.28);color:#fffc;font-size:14px;box-shadow:0 10px 18px #06112647}.about-flow-item:last-child:after{display:none}.about-flow-item h3{margin-bottom:10px;font-size:1.1rem;font-family:var(--font-display);letter-spacing:.02em;color:var(--white)}.about-flow-item p{color:#ffffffc7;font-size:.95rem;line-height:1.5}.about-page .about-hero{padding:90px 0 70px;background:radial-gradient(circle at 15% 20%,rgba(43,95,209,.22),transparent 55%),linear-gradient(160deg,#0b1b3b,#16306a 60%,#1d3c7f);color:var(--white)}.about-hero--photo{position:relative;overflow:hidden;isolation:isolate}.about-hero--photo:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:var(--hero-photo);background-size:cover;background-position:center;opacity:1;filter:none;z-index:0}.about-hero--photo:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:none;z-index:0}.about-hero--photo .container{position:relative;z-index:1}.about-hero-inner h1{font-size:clamp(2.8rem,3.6vw,4rem);margin-bottom:16px;font-family:var(--font-display);letter-spacing:.02em;text-transform:uppercase}.about-hero-subtitle{max-width:720px;color:#ffffffd1;line-height:1.6;margin-bottom:24px}.about-hero-actions{display:flex;gap:16px;flex-wrap:wrap}.about-hero-actions .button-ghost{color:var(--white);border-color:#ffffffb3}.about-values{padding:80px 0;background:#fff;border-top:1px solid rgba(11,27,59,.08);border-bottom:1px solid rgba(11,27,59,.08)}.about-pane{position:relative;overflow:hidden;isolation:isolate}.about-pane:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:var(--pane-photo);background-size:cover;background-position:center;opacity:.28;filter:saturate(.9) contrast(1.05);z-index:0}.about-pane:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(120deg,#ffffffe0,#f5f8ffeb);z-index:0}.about-pane>.container{position:relative;z-index:1}.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}.value-card{background:#f8faff;border:1px solid rgba(11,27,59,.12);padding:20px;box-shadow:0 10px 18px #0712290f}.value-card--photo{overflow:hidden;padding:0}.value-card-media{width:100%;aspect-ratio:4 / 3;overflow:hidden}.value-card-media img{width:100%;height:100%;object-fit:cover;object-position:center 15%}.value-card--photo h3,.value-card--photo p{padding:0 20px}.value-card--photo h3{margin-top:18px}.value-card--photo p{padding-bottom:20px}.value-card h3{margin-bottom:10px;font-size:1.05rem}.value-card p{color:var(--muted);font-size:.95rem;line-height:1.5}.about-process{padding:80px 0;background:var(--surface);border-bottom:1px solid rgba(11,27,59,.08)}.process-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:60px}.process-step{background:var(--white);border:1px solid rgba(11,27,59,.12);padding:24px;box-shadow:0 12px 24px #07122914;position:relative;border-radius:8px;z-index:1}.process-step--photo{overflow:visible;color:var(--white);min-height:280px;display:grid;align-content:start;gap:12px}.process-step--photo:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:var(--step-photo);background-size:cover;background-position:center;filter:saturate(.9) contrast(1.05);border-radius:inherit;z-index:0}.process-step--photo:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(140deg,#061126d1,#0611264d);border-radius:inherit;z-index:0}.process-step--photo>*{position:relative;z-index:1}.process-step span{display:inline-flex;width:36px;height:36px;border-radius:999px;align-items:center;justify-content:center;background:#2b5fd126;color:var(--blue-900);font-weight:700;margin-bottom:12px}.process-step--photo span{background:#ffffff2e;color:var(--white);border:1px solid rgba(255,255,255,.4)}.process-step h3{margin-bottom:8px;font-size:1.05rem}.process-step p{color:var(--muted);font-size:.95rem;line-height:1.5}.process-step--photo p{color:#ffffffd1}.process-arrow{position:absolute;right:-44px;top:50%;transform:translateY(-50%);width:44px;height:34px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='44' height='34' viewBox='0 0 44 34' fill='none'%3E%3Cpath d='M2 24C10 8 22 7 34 12' stroke='%230b1b3b' stroke-width='2.8' stroke-linecap='round'/%3E%3Cpath d='M28 7L35 12L27 16' stroke='%230b1b3b' stroke-width='2.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-size:100% 100%;background-repeat:no-repeat;z-index:5;opacity:.9;filter:drop-shadow(0 6px 10px rgba(6,17,38,.25));display:block;pointer-events:none}.process-arrow:before{content:none}.process-arrow:after{content:none}.about-insurance{padding:80px 0 90px;background:#fff}.insurers-marquee{width:100vw;margin-left:calc(50% - 50vw);overflow:hidden;padding:12px 6vw 0;position:relative}.insurers-track{display:flex;gap:14px;width:max-content;animation:insurersMarquee 30s linear infinite;will-change:transform}.insurers-marquee:hover .insurers-track{animation-play-state:paused}.insurers-marquee:before,.insurers-marquee:after{content:"";position:absolute;top:0;bottom:0;width:90px;pointer-events:none;z-index:2}.insurers-marquee:before{left:0;background:linear-gradient(90deg,#ffffff,transparent)}.insurers-marquee:after{right:0;background:linear-gradient(270deg,#ffffff,transparent)}.insurer-card{min-width:220px;padding:16px 18px;background:#f5f7ff;border:1px solid rgba(11,27,59,.12);border-radius:10px;display:grid;gap:10px;align-content:center;justify-items:center;text-align:center;box-shadow:0 10px 18px #0712290f;position:relative;overflow:hidden}.insurer-card img{height:40px;width:auto;object-fit:contain}.insurer-card .insurer-name{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#0b1b3bb3;font-weight:600}.insurer-cta{position:absolute;top:0;right:0;bottom:0;left:0;display:flex;align-items:center;justify-content:center;padding:16px;font-size:.85rem;text-transform:none;letter-spacing:.02em;font-weight:600;color:#fff;background:#0b1b3bc7;opacity:0;transform:translateY(6px);transition:opacity .25s ease,transform .25s ease}.insurer-card:hover .insurer-cta,.insurer-card:focus .insurer-cta,.insurer-card:focus-visible .insurer-cta{opacity:1;transform:translateY(0)}.insurers-note{margin-top:24px;color:var(--muted)}@keyframes insurersMarquee{0%{transform:translate(-50%)}to{transform:translate(0)}}.gallery{position:relative;padding:90px 0;overflow:hidden;background:radial-gradient(circle at 0% 0%,rgba(43,95,209,.12),transparent 45%),radial-gradient(circle at 90% 30%,rgba(43,95,209,.08),transparent 45%),linear-gradient(180deg,#fff,#f6f9ff);background-size:auto,auto,auto;border-top:1px solid rgba(11,27,59,.08);border-bottom:1px solid rgba(11,27,59,.08)}.home-showcase{padding:80px 0 90px;background:radial-gradient(circle at 10% 10%,rgba(43,95,209,.08),transparent 50%),radial-gradient(circle at 90% 0%,rgba(11,27,59,.06),transparent 45%),#fff;border-bottom:1px solid rgba(11,27,59,.08)}.home-collage{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin-top:32px}.collage-item{border-radius:10px;overflow:hidden;border:1px solid rgba(11,27,59,.14);box-shadow:0 12px 26px #0712291f;background:#fff;transform-origin:center}.collage-item img{width:100%;height:100%;object-fit:cover;display:block;aspect-ratio:4 / 5}.collage-item:nth-child(5n+1){transform:rotate(-3deg) translateY(6px)}.collage-item:nth-child(5n+2){transform:rotate(2deg) translateY(-4px)}.collage-item:nth-child(5n+3){transform:rotate(-1.5deg) translateY(8px)}.collage-item:nth-child(5n+4){transform:rotate(3.5deg) translateY(-2px)}.collage-item:nth-child(5n){transform:rotate(-2.5deg) translateY(4px)}.gallery:after{content:"";position:absolute;width:520px;height:520px;top:-120px;right:-160px;background:linear-gradient(135deg,rgba(22,48,106,.14),transparent 65%),linear-gradient(225deg,rgba(22,48,106,.1),transparent 60%);border:1px solid rgba(22,48,106,.16);transform:rotate(18deg);border-radius:14px;pointer-events:none;z-index:0}.gallery:before{content:"";position:absolute;width:240px;height:240px;bottom:120px;left:6%;background:linear-gradient(135deg,rgba(22,48,106,.12),transparent 70%),linear-gradient(225deg,rgba(22,48,106,.08),transparent 70%);border:1px solid rgba(22,48,106,.16);transform:rotate(-12deg);border-radius:12px;pointer-events:none;z-index:0}.gallery-shape-texts{position:absolute;top:0;right:0;bottom:0;left:0;z-index:2;pointer-events:none}.gallery-shape-text{position:absolute;padding:24px 26px;color:var(--text);max-width:420px}.gallery-shape-text--large{width:520px;top:30px;right:-410px;transform:rotate(18deg)}.gallery-shape-text--small{width:240px;bottom:80px;left:calc(6% - 320px);transform:rotate(-12deg)}@media (min-width: 1024px) and (max-width: 1440px){.gallery-shape-text--small{transform:rotate(-12deg) translate(20px)}}.gallery .container{position:relative;z-index:1}.section-head{max-width:520px;margin-bottom:30px}.section-head--center{text-align:center;margin-left:auto;margin-right:auto}.section-head p{color:var(--muted)}.about-insurance .section-head h2{white-space:nowrap}.about-insurance .section-head{max-width:100%}.gallery-shape-title{display:inline-block;margin-bottom:12px;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--blue-900)}.gallery-shape-text ul,.gallery-shape-text ol{margin:0;padding-left:18px;color:var(--muted);display:grid;gap:8px;line-height:1.5}.gallery-slider{position:relative;z-index:1}.gallery-slider--hero .gallery-viewport{border-radius:16px;box-shadow:0 18px 38px #06112633}.gallery-viewport{overflow:hidden}.gallery-track{display:flex;transition:transform 2.4s cubic-bezier(.22,1,.36,1);will-change:transform}.gallery-slide{min-width:100%;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:6px 52px 12px}.gallery-slide--hero{position:relative;display:block;padding:0;overflow:hidden;border-radius:10px}.gallery-hero-image{width:100%;height:clamp(320px,46vw,520px);object-fit:cover;position:relative;z-index:0}.gallery-slide--hero:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:none;z-index:1;pointer-events:none}.gallery-hero-overlay{position:absolute;left:24px;bottom:24px;padding:10px 12px;background:#ffffff05;border:1px solid rgba(255,255,255,.18);color:var(--white);max-width:min(420px,65%);border-radius:8px;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);z-index:2}.gallery-hero-label{display:inline-block;text-transform:uppercase;letter-spacing:.16em;font-size:.62rem;color:#ffffffbf;margin-bottom:6px;font-weight:600}.gallery-hero-title{font-family:var(--font-display);font-size:clamp(1.1rem,2vw,1.5rem);margin-bottom:6px}.gallery-hero-subtitle{color:#ffffffd1;line-height:1.5;font-size:.85rem}.gallery-arrow{position:absolute;top:50%;transform:translateY(-50%);width:44px;height:44px;border-radius:999px;border:1px solid rgba(11,27,59,.2);background:#fffffff2;color:var(--blue-900);display:grid;place-items:center;box-shadow:0 10px 20px #07122929;cursor:pointer;z-index:2}.gallery-arrow span{font-size:20px;font-weight:700}.gallery-arrow--prev{left:0}.gallery-arrow--next{right:0}.gallery-arrow:disabled{opacity:.45;cursor:not-allowed}.gallery-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.gallery-item{border:1px solid rgba(11,27,59,.14);background:var(--white);box-shadow:0 12px 24px #0712291a;overflow:hidden;border-radius:6px}.gallery-item img{height:280px}.gallery-item figcaption{padding:12px 14px 16px;font-size:.95rem;color:var(--muted)}.gallery-reviews{margin-top:64px;padding:44px 0 52px;position:relative}.reviews-scatter{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1100px;margin:28px auto 0;padding:0 12px 12px;align-items:start}.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.review-card{background:var(--white);border:1px solid rgba(11,27,59,.12);box-shadow:0 12px 24px #07122914;padding:20px;display:grid;gap:16px}.review-card--scatter{max-width:340px;background:#fff;border-radius:8px;transform-origin:center}.review-card--scatter:nth-child(4n+1){transform:rotate(-3deg) translateY(8px);justify-self:start}.review-card--scatter:nth-child(4n+2){transform:rotate(2.5deg) translateY(-6px);justify-self:center}.review-card--scatter:nth-child(4n+3){transform:rotate(-1.5deg) translateY(12px);justify-self:end}.review-card--scatter:nth-child(4n){transform:rotate(3.5deg) translateY(2px);justify-self:center}.review-head{display:flex;align-items:center;justify-content:space-between;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:#0b1b3b99}.review-head strong{color:var(--text);font-weight:700}.review-tag{display:inline-flex;align-items:center;padding:6px 10px;border-radius:999px;background:#2b5fd11f;color:var(--blue-900);font-size:.78rem;font-weight:600}.review-rating{color:#f3c344;font-size:.9rem;letter-spacing:.12em}.review-text{color:var(--muted);line-height:1.6;font-size:.98rem}.review-result{color:#0b1b3bb8;font-size:.9rem}.review-meta{display:flex;align-items:center;justify-content:space-between;gap:12px;text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;color:#0b1b3b99}.review-meta strong{color:var(--text);font-weight:700}@keyframes reviewMarquee{0%{transform:translate(-50%)}to{transform:translate(0)}}.contact-reviews{margin-top:0;padding:44px 0 90px;position:relative;z-index:1;background:#fff}.reviews-divider{height:100px;background:var(--blue-900);position:relative;overflow:hidden}.reviews-divider:before,.reviews-divider:after{content:"";position:absolute;top:-16px;right:0;bottom:-16px;left:0;pointer-events:none;background-repeat:repeat}.reviews-divider:before{background-image:linear-gradient(120deg,rgba(227,235,255,.22) 0 18%,transparent 18% 34%,rgba(227,235,255,.14) 34% 52%,transparent 52% 100%),linear-gradient(300deg,rgba(227,235,255,.16) 0 22%,transparent 22% 62%,rgba(227,235,255,.1) 62% 100%);background-size:420px 140px,360px 140px;background-position:-60px 0,140px 12px;opacity:.65}.reviews-divider:after{background-image:linear-gradient(90deg,#e3ebff14,#e3ebff05);background-size:100% 100%;background-position:0 0;opacity:.5}.contact-reviews:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:radial-gradient(rgba(11,27,59,.08) 1px,transparent 1px);background-size:140px 140px;opacity:.18;pointer-events:none}.contact-reviews .section-head{max-width:720px;color:var(--text)}.reviews-title{font-size:clamp(2rem,2.8vw,3rem)}.contact-reviews .section-head p{color:var(--muted)}.contact-reviews .review-card--marquee{background:#fffffffa}.contact{position:relative;padding:0;background:#fff;color:var(--text)}.contact-panel{position:relative;padding:90px 0 100px;background:radial-gradient(circle at 80% 10%,rgba(43,95,209,.22),transparent 55%),linear-gradient(160deg,#0b1b3b,#16306a 60%,#1d3c7f);color:var(--white);border-top:1px solid rgba(255,255,255,.08)}.contact-panel:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:repeating-linear-gradient(-45deg,rgba(255,255,255,.08) 0,rgba(255,255,255,.08) 1px,transparent 1px,transparent 80px);opacity:.4;pointer-events:none}.home-page .contact-panel:after{content:none}.contact-panel .container{position:relative;z-index:1}.contact-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:start}.contact-info p{color:#ffffffd1;line-height:1.6;margin-bottom:24px}.contact-brand{position:relative;padding:24px 0;min-height:160px;margin-bottom:10px}.contact-brand:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:url(/sadziebiela.png) no-repeat calc(100% - 40px) center/180px auto;opacity:1;pointer-events:none}.contact-brand h2{margin:0;font-size:clamp(2rem,2.4vw,2.6rem);font-family:var(--font-display);letter-spacing:.02em}.contact-details{display:grid;gap:16px}.contact-details span{font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:#ffffffb3}.contact-details strong{display:block;font-size:1.1rem}.contact-form{border:1px solid rgba(11,27,59,.16);background:#fffffffa;padding:28px;box-shadow:var(--shadow);border-radius:8px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-bottom:16px}label{display:grid;gap:8px;font-size:.95rem;color:#0b1b3bcc}.label-text{display:inline-flex;align-items:baseline;gap:4px}.required-asterisk{margin-left:4px;color:#0b1b3b8c;font-weight:700}input,textarea{border:1px solid rgba(11,27,59,.25);padding:12px;font:inherit;background:#f4f7ff;color:var(--text);border-radius:var(--radius)}input:focus,textarea:focus{outline:2px solid rgba(43,95,209,.35);border-color:#2b5fd1b3}.contact-form.is-submitted label:has(:required:invalid) .required-asterisk{color:#d92d20}.contact-form.is-submitted input:required:invalid,.contact-form.is-submitted textarea:required:invalid{border-color:#d92d20cc;outline:2px solid rgba(217,45,32,.2)}.form-actions{margin-top:14px;display:flex;align-items:center;gap:16px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}.contact-chips{display:flex;flex-wrap:wrap;gap:10px;margin:8px 0 20px}.contact-chips span{padding:7px 12px;border-radius:999px;border:1px solid rgba(11,27,59,.18);background:#f4f7ff;color:#0b1b3bbf;font-size:.85rem;font-weight:600}.form-note{font-size:.85rem;color:var(--muted);margin-top:14px}.form-status{margin-top:14px;font-size:.95rem}.form-status.tone-success{color:#0f4a2b}.form-status.tone-error{color:#b42318}.form-status.tone-sending{color:var(--blue-700)}.legal{padding:70px 0;background:var(--white);border-top:1px solid rgba(11,27,59,.08)}.service-page{background:var(--white)}.service-hero{position:relative;padding:80px 0 60px;color:var(--white);background-image:var(--service-hero-image);background-size:cover;background-position:var(--service-hero-position, center);border-bottom:1px solid rgba(255,255,255,.12)}.service-hero:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(120deg,#061126b8,#06112652);z-index:0}.service-hero-inner{position:relative;z-index:1}.service-hero h1{font-size:clamp(2.6rem,3.4vw,3.6rem);margin-bottom:14px;font-family:var(--font-display);letter-spacing:.02em;text-transform:uppercase}.service-subtitle{font-size:1.12rem;margin-bottom:18px;font-weight:600}.service-intro{color:#ffffffd1;line-height:1.6;margin-bottom:26px;max-width:820px}.service-actions{display:flex;gap:16px;flex-wrap:wrap}.service-hero .button-ghost{color:var(--white);border-color:#ffffffd9}.service-details{padding:60px 0;background:var(--surface);border-top:1px solid rgba(11,27,59,.08);border-bottom:1px solid rgba(11,27,59,.08)}.service-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.service-card{background:var(--white);border:1px solid rgba(11,27,59,.12);padding:24px;box-shadow:0 12px 24px #07122914}.service-card h2{margin-bottom:12px;font-size:1.4rem;font-family:var(--font-display);letter-spacing:.02em}.service-card ul,.service-card ol{margin:0;padding-left:18px;color:var(--muted);display:grid;gap:8px;line-height:1.5}.service-cta{padding:60px 0 80px;background:linear-gradient(120deg,#2b5fd114,#fff0)}.service-cta-inner h2{font-size:clamp(1.8rem,2.4vw,2.4rem);margin-bottom:12px;font-family:var(--font-display);letter-spacing:.02em}.service-cta-inner p{color:var(--muted);line-height:1.6;margin-bottom:20px;max-width:720px}.service-cta-actions{display:flex;gap:16px;flex-wrap:wrap}.button-urgent{border-color:#15803d;background:linear-gradient(135deg,#22c55e,#15803d);color:#062c12;box-shadow:0 12px 24px #15803d59}.button-urgent:hover{transform:translateY(-2px);box-shadow:0 18px 32px #15803d73}.legal-grid{display:grid;gap:32px;grid-template-columns:repeat(3,minmax(0,1fr))}.legal h1,.legal h2{font-size:1.4rem;margin-bottom:12px;font-family:var(--font-display);letter-spacing:.02em}.legal p{color:var(--muted);line-height:1.6;margin-bottom:12px}.legal ul{padding-left:18px;color:var(--muted);display:grid;gap:8px;line-height:1.5}.legal-single{max-width:760px}.legal-page .legal{padding:90px 0}.admin-page{padding:70px 0;background:var(--surface)}.admin-container{display:grid;gap:24px}.admin-card{background:var(--white);border:1px solid rgba(11,27,59,.08);padding:24px;border-radius:14px;box-shadow:0 10px 22px #0712290f}.admin-dashboard{display:grid;gap:20px}.admin-dashboard-head{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;flex-wrap:wrap}.admin-dashboard-kicker{text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:var(--blue-700);font-size:.78rem;margin-bottom:6px}.admin-dashboard-user{display:flex;gap:16px;align-items:center;padding:10px 14px;border:1px solid rgba(11,27,59,.08);background:#f7f9ff;border-radius:10px}.admin-dashboard-user strong{display:block;font-size:.95rem;margin-bottom:4px}.admin-dashboard-label{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:var(--muted);margin-bottom:4px}.admin-dashboard-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}.dashboard-tile{--tile-accent: #2563eb;--tile-accent-soft: #eff6ff;border:1px solid rgba(11,27,59,.08);background:linear-gradient(180deg,#ffffff 0%,var(--tile-accent-soft) 100%);padding:18px 18px 16px;display:grid;gap:16px;min-height:150px;border-radius:12px;box-shadow:0 8px 18px #0712290d;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.dashboard-tile h3{margin-bottom:6px;font-family:var(--font-display);color:var(--tile-accent)}.dashboard-tile p{color:var(--muted);line-height:1.5}.dashboard-tile-meta{display:flex;align-items:baseline;gap:6px;flex-wrap:wrap;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:var(--tile-accent);font-weight:600}.dashboard-tile-count{font-size:1.4rem;letter-spacing:0;color:var(--tile-accent)}.dashboard-tile-action{margin-left:auto;color:var(--tile-accent);font-weight:700}.dashboard-tile:hover{transform:translateY(-2px);box-shadow:0 14px 26px #0712291a;border-color:color-mix(in srgb,var(--tile-accent) 45%,transparent)}.dashboard-tile--amber{--tile-accent: #d97706;--tile-accent-soft: #fff7ed}.dashboard-tile--blue{--tile-accent: #2563eb;--tile-accent-soft: #eff6ff}.dashboard-tile--teal{--tile-accent: #0f766e;--tile-accent-soft: #ecfdf5}.dashboard-tile--green{--tile-accent: #15803d;--tile-accent-soft: #ecfdf3}.dashboard-tile--violet{--tile-accent: #7c3aed;--tile-accent-soft: #f5f3ff}.dashboard-tile--rose{--tile-accent: #e11d48;--tile-accent-soft: #fff1f2}.admin-card-head{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:18px}.admin-card-head-left{display:flex;align-items:center;gap:12px}.admin-card h2{margin:0;font-family:var(--font-display)}.admin-back{color:var(--blue-900);border-color:#0b1b3b33}.admin-stack{display:grid;gap:24px}.upload-button{display:inline-flex;align-items:center;gap:8px;border:2px solid var(--blue-600);background:transparent;color:var(--blue-900);padding:10px 16px;text-transform:uppercase;letter-spacing:.08em;font-weight:600;cursor:pointer}.upload-button input{display:none}.file-list{display:grid;gap:12px}.file-row{display:flex;justify-content:space-between;gap:16px;border:1px solid rgba(11,27,59,.1);padding:12px 16px;background:#f9fbff}.file-row span{color:var(--muted);font-size:.9rem;display:block}.file-actions{display:flex;gap:10px}.file-actions button{border:1px solid rgba(11,27,59,.2);background:transparent;padding:6px 12px;cursor:pointer}.photo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px}.photo-card{border:1px solid rgba(11,27,59,.1);background:var(--white);overflow:hidden}.photo-card img{height:200px;object-fit:cover}.photo-actions{display:grid;gap:8px;padding:12px}.photo-actions span{font-size:.9rem}.photo-actions button{border:1px solid rgba(11,27,59,.2);background:transparent;padding:6px 10px;cursor:pointer}.invoice-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.permissions-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-bottom:24px}.user-list{display:grid;gap:8px}.user-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid rgba(11,27,59,.08)}.muted{color:var(--muted)}.footer{position:relative;background:var(--blue-800);color:var(--white);padding:28px 0 20px}.home-page .footer:before{content:none}.footer-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.9fr) minmax(0,1fr) minmax(0,1fr);gap:36px;align-items:start;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:20px}.footer-brand{align-self:start}.footer-logo{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;margin-bottom:12px;font-family:var(--font-display)}.footer-logo img{height:36px;width:auto}.footer-brand-ids{display:grid;gap:6px}.footer-brand-ids span{white-space:nowrap}.footer-brand-link{color:var(--white);font-weight:600}.footer-brand-link:hover{color:#ffffffd1}.footer-brand-contact,.footer-brand-address,.footer-brand-address-lines{display:grid;gap:6px}.footer-brand-label{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#fff9}.footer-brand-contact-links{display:grid;gap:6px}.footer-meta{display:grid;gap:16px;font-size:.95rem;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.footer-meta span{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#fff9}.footer-meta strong{display:block;margin-top:6px;font-weight:600}.footer-meta-item{display:grid;gap:6px}.footer-meta-item.footer-meta-tight{gap:4px}.footer-meta-title{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#fff9}.footer-icon{display:inline-flex;width:18px;height:18px}.footer-icon svg{width:18px;height:18px}.footer-icon--small{width:14px;height:14px}.footer-icon--small svg{width:14px;height:14px}.footer-meta-row{display:inline-flex;align-items:center;gap:8px}.footer-meta-row--email{margin-top:5px}.footer-meta-contact{display:grid;gap:2px}.footer-meta-contact .footer-meta-link{line-height:1.2}.footer-meta-link{display:inline-flex;align-items:center;font-weight:600;color:var(--white);letter-spacing:.02em}.footer-meta-link:hover{color:#ffffffd1}.footer-meta-strong{margin-top:0;font-weight:700}.footer-meta-inline{display:grid;gap:4px;font-size:.86rem;color:#ffffffb3;margin-bottom:10px}.footer-meta-inline span{text-transform:none;letter-spacing:.02em;font-size:.86rem;color:#ffffffb3}.footer-col{display:grid;gap:12px;color:#fffc;line-height:1.6;font-size:.95rem}.footer-stack{gap:16px}.footer-legal{display:grid;gap:10px;font-size:.95rem}.footer-link{color:#ffffffc7}.footer-link:hover{color:var(--white)}.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:14px;font-size:.9rem;color:#ffffffb3}.footer-powered a{color:var(--white)}.cookie-banner{position:fixed;left:0;right:0;bottom:0;background:#061126f5;color:var(--white);padding:16px 0;z-index:20;border-top:1px solid rgba(255,255,255,.12)}.cookie-content{width:min(1180px,92vw);margin:0 auto;display:flex;justify-content:space-between;gap:24px;align-items:center}.cookie-content strong{display:block;margin-bottom:6px;text-transform:uppercase;letter-spacing:.08em}.cookie-content p{color:#ffffffbf;max-width:560px;line-height:1.5}.cookie-content a{color:var(--white);text-decoration:underline}.cookie-actions{display:flex;gap:12px;flex-wrap:wrap}[data-reveal]{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}[data-reveal].is-visible{opacity:1;transform:translateY(0)}@media (max-width: 980px){.hero-grid,.about-grid,.contact-grid,.legal-grid,.service-grid{grid-template-columns:1fr}.hero{min-height:auto;overflow:visible}.header-inner{flex-direction:column;align-items:flex-start}.main-nav,.header-actions{width:100%}.header-actions{justify-content:flex-start}.invoice-form,.permissions-form{grid-template-columns:1fr}.hero{padding:90px 0 70px}.hero-copy{max-width:100%}.hero-grid{min-height:auto}.hero-panel{margin-left:0;margin-top:0;width:100%}.contact-brand{padding-top:18px}.gallery-grid,.gallery-slide{grid-template-columns:repeat(2,minmax(0,1fr))}.gallery-shape-texts{position:static;display:grid;grid-template-columns:1fr;gap:18px;margin-bottom:24px;pointer-events:auto}.gallery-shape-text{position:relative;width:auto;inset:auto;transform:none}.review-grid,.values-grid,.process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.process-arrow{display:none}.gallery-hero-overlay{left:18px;right:18px;max-width:none}.about-flow{padding-left:34px}.about-flow-item:after{left:-24px;bottom:-18px;transform:none}.header-inner{flex-wrap:wrap}}@media (max-width: 720px){body{overflow-x:hidden}.topbar{display:none}.topbar-inner{flex-direction:column;align-items:flex-start}.header-inner{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:12px}.header-mobile-contact{display:grid;gap:6px;padding:10px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.14);background:#ffffff0f}.header-mobile-contact a{color:var(--white);font-weight:600}.mobile-toggle{display:inline-flex;margin-left:0;justify-self:end;color:var(--blue-900);border-color:#0b1b3b4d;background:#ffffffeb}.header-panel{display:none;width:100%;flex-direction:column;align-items:stretch;gap:16px;background:var(--blue-800);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:14px;grid-column:1 / -1}.header-panel.is-open{display:flex}.main-nav{flex-direction:column;gap:12px}.nav-dropdown:after{display:none}.nav-menu{position:static;margin-top:8px;background:transparent;border:none;padding:0;box-shadow:none}.main-nav a,.nav-button{width:100%;text-align:left;padding:10px 12px;border-radius:10px;color:var(--white);border:1px solid rgba(255,255,255,.18);background:#ffffff14}.nav-menu a{color:var(--white)}.header-actions{flex-direction:column;align-items:stretch}.header-panel .button-outline{color:var(--white);border-color:#fff9;background:transparent}.header-actions .button{width:100%}.hero{min-height:auto;min-height:740px;padding:60px 0 170px}.hero-copy h1{font-size:clamp(2.4rem,9vw,3.2rem)}.hero-copy{text-align:center}.hero-grid{gap:24px;min-height:auto}.hero-actions{justify-content:center;margin-top:16px;transform:translateY(120px)}.hero .lead{display:none}.hero-bg-fire,.hero-bg-flood{width:100%;height:70%;bottom:auto}.hero-bg-fire{top:0;bottom:auto;left:0;right:0;height:56%}.hero-bg-flood{top:auto;bottom:-8%;transform:translateY(0);left:0;right:0}.hero-bg-fire:after,.hero-bg-flood:after{width:100%;height:16%;left:0;right:0}.hero-bg-fire:after{top:auto;bottom:0;background:linear-gradient(180deg,#06112600,#0611268c)}.hero-bg-flood:after{top:0;bottom:auto;background:linear-gradient(180deg,#0611268c,#06112600)}.hero-bg:after{background:linear-gradient(180deg,#06112614 44%,#06112659,#06112614 56%)}.gallery-grid,.gallery-slide{grid-template-columns:1fr}.gallery-shape-texts{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.gallery-shape-text{padding:12px;border-radius:10px;border:none}.gallery-shape-title{font-size:.7rem}.gallery-shape-text ul,.gallery-shape-text ol{gap:6px;font-size:.9rem}.review-grid,.values-grid,.process-grid{grid-template-columns:1fr}.process-arrow{display:none}.gallery-hero-image{height:clamp(260px,70vw,380px)}.gallery-hero-overlay{left:14px;right:14px;bottom:14px;padding:14px 16px}.about-insurance .section-head h2{white-space:normal;overflow-wrap:anywhere}.insurers-marquee{width:100%;margin-left:0;padding-left:16px;padding-right:16px}.form-grid{grid-template-columns:1fr}.form-actions{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1fr}.footer-bottom,.cookie-content{flex-direction:column;align-items:flex-start}.social-rail,.scroll-top{display:none}.emergency-call{top:auto;left:auto;right:338px;bottom:18px;transform:none;width:64px;height:64px;border-radius:999px;padding:0;gap:0}.emergency-call:hover{width:64px;height:64px;transform:none}.emergency-call:hover .emergency-number{max-width:0;opacity:0;transform:translate(6px)}.emergency-title,.emergency-number{display:none}.emergency-icon{width:44px;height:44px}}@media (prefers-reduced-motion: reduce){*{scroll-behavior:auto!important}[data-reveal]{transition:none}.hero-title-letter{opacity:1;transform:none;animation:none}.review-track,.insurers-track{animation:none}}.page main{flex:1}
