:root {
    color-scheme: light;
    --ink: #172126;
    --muted: #59666d;
    --soft: #eef4f2;
    --paper: #fbfcfa;
    --white: #ffffff;
    --teal: #0f766e;
    --teal-dark: #0b4f4a;
    --blue: #2563eb;
    --green: #15803d;
    --amber: #b7791f;
    --line: #d7e2de;
    --shadow: 0 24px 70px rgba(23, 33, 38, 0.12);
    --radius: 8px;
    --max: 1140px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    background: var(--paper);
    color: var(--ink);
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 16px;
    line-height: 1.6;
    letter-spacing: 0;
}

body::before {
    position: fixed;
    inset: 0;
    z-index: -1;
    pointer-events: none;
    content: "";
    background:
        linear-gradient(rgba(15, 118, 110, 0.035) 1px, transparent 1px),
        linear-gradient(90deg, rgba(15, 118, 110, 0.035) 1px, transparent 1px);
    background-size: 44px 44px;
    mask-image: linear-gradient(to bottom, #000 0%, transparent 78%);
}

img,
svg {
    max-width: 100%;
    display: block;
}

a {
    color: inherit;
}

a:focus-visible {
    outline: 3px solid rgba(37, 99, 235, 0.45);
    outline-offset: 4px;
}

.skip-link {
    position: absolute;
    left: 1rem;
    top: 1rem;
    z-index: 20;
    transform: translateY(-160%);
    border-radius: 6px;
    background: var(--ink);
    color: var(--white);
    padding: 0.65rem 0.85rem;
    transition: transform 160ms ease;
}

.skip-link:focus {
    transform: translateY(0);
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 10;
    border-bottom: 1px solid transparent;
    background: rgba(251, 252, 250, 0.86);
    backdrop-filter: blur(18px);
    transition: border-color 180ms ease, box-shadow 180ms ease;
}

.site-header.is-scrolled {
    border-color: rgba(215, 226, 222, 0.9);
    box-shadow: 0 10px 30px rgba(23, 33, 38, 0.06);
}

.header-inner,
.section-inner,
.footer-inner,
.hero-inner {
    width: min(var(--max), calc(100% - 40px));
    margin-inline: auto;
}

.header-inner {
    min-height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.brand {
    display: inline-flex;
    align-items: center;
    text-decoration: none;
}

.header-link {
    border: 1px solid rgba(15, 118, 110, 0.25);
    border-radius: 999px;
    padding: 0.58rem 0.9rem;
    color: var(--teal-dark);
    font-size: 0.93rem;
    font-weight: 700;
    text-decoration: none;
    transition: border-color 160ms ease, background 160ms ease, transform 160ms ease;
}

.header-link:hover {
    border-color: rgba(15, 118, 110, 0.65);
    background: rgba(15, 118, 110, 0.07);
    transform: translateY(-1px);
}

.hero {
    padding: clamp(56px, 8vw, 112px) 0 clamp(48px, 7vw, 92px);
}

.hero-inner {
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(360px, 1.08fr);
    align-items: center;
    gap: clamp(2.5rem, 6vw, 5.5rem);
}

.eyebrow {
    margin: 0 0 0.8rem;
    color: var(--teal);
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

h1,
h2 {
    margin: 0;
    color: var(--ink);
    line-height: 1.03;
    letter-spacing: 0;
}

h1 {
    max-width: 11.2ch;
    font-size: clamp(3.25rem, 7.2vw, 5.9rem);
}

h2 {
    max-width: 13ch;
    font-size: clamp(2.15rem, 4.6vw, 4.2rem);
}

p {
    margin: 0;
}

.hero-text {
    max-width: 620px;
    margin-top: 1.45rem;
    color: #34444b;
    font-size: clamp(1.12rem, 1.7vw, 1.42rem);
}

.scope-note {
    max-width: 600px;
    margin-top: 1.3rem;
    color: var(--muted);
    font-size: 1rem;
}

.hero-visual {
    position: relative;
    min-height: 520px;
    border: 1px solid rgba(215, 226, 222, 0.9);
    border-radius: var(--radius);
    overflow: hidden;
    background:
        radial-gradient(circle at 24% 26%, rgba(21, 128, 61, 0.12), transparent 27%),
        radial-gradient(circle at 74% 18%, rgba(37, 99, 235, 0.12), transparent 28%),
        linear-gradient(145deg, #ffffff 0%, #f3f8f6 100%);
    box-shadow: var(--shadow);
}

.hero-visual::before {
    position: absolute;
    inset: 0;
    content: "";
    background:
        linear-gradient(rgba(15, 118, 110, 0.07) 1px, transparent 1px),
        linear-gradient(90deg, rgba(15, 118, 110, 0.07) 1px, transparent 1px);
    background-size: 32px 32px;
}

.document-stack,
.data-card,
.signal-lines {
    position: absolute;
}

.document-stack {
    left: clamp(20px, 7%, 48px);
    top: clamp(30px, 11%, 68px);
    width: min(44%, 230px);
    height: 280px;
}

.document-sheet {
    position: absolute;
    inset: 28px 0 0 18px;
    border: 1px solid #d7e2de;
    border-radius: var(--radius);
    background: var(--white);
    box-shadow: 0 18px 42px rgba(23, 33, 38, 0.09);
    padding: 1.2rem;
}

.sheet-back {
    inset: 0 18px 28px 0;
    background: #f2f6f4;
}

.sheet-kicker {
    color: var(--teal);
    font-size: 0.68rem;
    font-weight: 800;
    letter-spacing: 0.09em;
    text-transform: uppercase;
}

.sheet-title {
    width: 72%;
    height: 14px;
    margin: 1.1rem 0 1.35rem;
    border-radius: 3px;
    background: var(--ink);
}

.document-sheet span {
    display: block;
    height: 9px;
    margin-top: 0.7rem;
    border-radius: 3px;
    background: #cbd8d4;
}

.document-sheet span.short {
    width: 66%;
}

.data-card {
    right: clamp(20px, 6%, 44px);
    bottom: clamp(26px, 9%, 62px);
    width: min(68%, 420px);
    border: 1px solid rgba(15, 118, 110, 0.18);
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.94);
    box-shadow: 0 24px 58px rgba(23, 33, 38, 0.14);
    backdrop-filter: blur(12px);
}

.data-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    border-bottom: 1px solid var(--line);
    padding: 1rem 1.1rem;
    color: var(--muted);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.11em;
}

.data-card-header strong {
    border-radius: 999px;
    background: rgba(15, 118, 110, 0.09);
    color: var(--teal-dark);
    padding: 0.36rem 0.55rem;
    font-size: 0.68rem;
    letter-spacing: 0.05em;
}

.coverage-table {
    margin: 0;
    padding: 0.35rem 1.1rem 1.1rem;
}

.coverage-table div {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 1rem;
    align-items: center;
    min-height: 56px;
    border-bottom: 1px solid rgba(215, 226, 222, 0.78);
}

.coverage-table div:last-child {
    border-bottom: 0;
}

.coverage-table dt {
    color: var(--muted);
    font-size: 0.93rem;
}

.coverage-table dd {
    display: flex;
    align-items: center;
    gap: 0.45rem;
    margin: 0;
    color: var(--ink);
    font-weight: 800;
    text-align: right;
}

.verified-dot {
    width: 9px;
    height: 9px;
    border-radius: 999px;
    background: var(--green);
    box-shadow: 0 0 0 5px rgba(21, 128, 61, 0.12);
}

.signal-lines {
    inset: 0;
    pointer-events: none;
}

.signal-lines span {
    position: absolute;
    left: 41%;
    top: 35%;
    width: 28%;
    height: 2px;
    transform: rotate(18deg);
    transform-origin: left center;
    background: linear-gradient(90deg, transparent, rgba(183, 121, 31, 0.72), transparent);
}

.signal-lines span:nth-child(2) {
    top: 45%;
    transform: rotate(2deg);
    background: linear-gradient(90deg, transparent, rgba(15, 118, 110, 0.68), transparent);
}

.signal-lines span:nth-child(3) {
    top: 55%;
    transform: rotate(-16deg);
    background: linear-gradient(90deg, transparent, rgba(37, 99, 235, 0.55), transparent);
}

.section-band {
    background: #f4f8f6;
}

.purpose,
.provenance,
.focus,
.insurers {
    padding: clamp(64px, 9vw, 118px) 0;
}

.split-layout,
.focus-layout {
    display: grid;
    grid-template-columns: minmax(0, 0.88fr) minmax(320px, 1.12fr);
    align-items: center;
    gap: clamp(2rem, 6vw, 5rem);
}

.section-copy p:not(.eyebrow),
.section-heading p:not(.eyebrow),
.focus-card p:not(.eyebrow),
.insurer-copy p {
    max-width: 660px;
    margin-top: 1.05rem;
    color: var(--muted);
    font-size: 1.08rem;
}

.issue-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    overflow: hidden;
    background: var(--line);
    box-shadow: 0 18px 46px rgba(23, 33, 38, 0.08);
}

.issue-grid div {
    min-height: 164px;
    padding: 1.35rem;
    background: var(--white);
}

.issue-grid span {
    color: var(--teal);
    font-size: 0.76rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.issue-grid strong {
    display: block;
    margin-top: 2.7rem;
    font-size: 1.18rem;
    line-height: 1.25;
}

.section-heading {
    display: grid;
    grid-template-columns: minmax(0, 0.78fr) minmax(320px, 1fr);
    gap: clamp(1.4rem, 4vw, 3rem);
    align-items: start;
}

.section-heading .eyebrow,
.section-heading h2 {
    grid-column: 1;
}

.section-heading h2 {
    max-width: 11.5ch;
}

.section-heading p:not(.eyebrow) {
    grid-column: 2;
    grid-row: 1 / span 2;
    max-width: 620px;
    margin-top: 1.95rem;
}

.flow-panel {
    margin-top: clamp(2rem, 5vw, 3.5rem);
    border: 1px solid rgba(215, 226, 222, 0.95);
    border-radius: var(--radius);
    overflow: hidden;
    background: var(--white);
    box-shadow: var(--shadow);
}

.focus-card {
    border-left: 4px solid var(--teal);
    padding-left: clamp(1.1rem, 3vw, 1.8rem);
}

.market-map {
    position: relative;
    display: grid;
    gap: 1rem;
}

.map-line {
    position: absolute;
    left: 28px;
    top: 32px;
    bottom: 32px;
    width: 2px;
    background: linear-gradient(var(--teal), rgba(37, 99, 235, 0.28));
}

.map-node {
    position: relative;
    min-height: 136px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--white);
    padding: 1.35rem 1.35rem 1.35rem 4.6rem;
    box-shadow: 0 14px 36px rgba(23, 33, 38, 0.06);
}

.map-node::before {
    position: absolute;
    left: 20px;
    top: 30px;
    width: 18px;
    height: 18px;
    border: 4px solid var(--white);
    border-radius: 999px;
    background: #8aa5a0;
    box-shadow: 0 0 0 1px var(--line);
    content: "";
}

.map-node.active::before {
    background: var(--teal);
    box-shadow: 0 0 0 6px rgba(15, 118, 110, 0.13);
}

/* The next market: in preparation, between the current market and the later ones. */
.map-node.next::before {
    border-color: var(--white);
    background: var(--white);
    box-shadow: 0 0 0 2px var(--teal);
}

.map-node span,
.map-node em {
    display: block;
    color: var(--muted);
    font-size: 0.88rem;
    font-style: normal;
}

.map-node strong {
    display: block;
    margin: 0.3rem 0;
    font-size: 1.4rem;
}

.insurers-panel {
    display: grid;
    grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr);
    gap: clamp(2rem, 6vw, 5rem);
    border: 1px solid rgba(15, 118, 110, 0.2);
    border-radius: var(--radius);
    background:
        linear-gradient(135deg, rgba(15, 118, 110, 0.08), transparent 42%),
        var(--white);
    padding: clamp(1.5rem, 5vw, 3.5rem);
    box-shadow: var(--shadow);
}

.insurers-panel h2 {
    max-width: 12ch;
}

.contact-link {
    display: inline-flex;
    margin-top: 1.35rem;
    border-bottom: 2px solid rgba(15, 118, 110, 0.35);
    color: var(--teal-dark);
    font-size: clamp(1.2rem, 2vw, 1.55rem);
    font-weight: 800;
    text-decoration: none;
}

.contact-link:hover {
    border-bottom-color: var(--teal);
}

.site-footer {
    border-top: 1px solid var(--line);
    background: #172126;
    color: rgba(255, 255, 255, 0.88);
    padding: 2.2rem 0;
}

.footer-inner {
    display: grid;
    grid-template-columns: 1fr minmax(300px, 0.9fr);
    gap: 2rem;
}

.site-footer strong {
    color: var(--white);
    font-size: 1.1rem;
}

.site-footer p {
    margin-top: 0.45rem;
    color: rgba(255, 255, 255, 0.68);
}

.site-footer a {
    color: var(--white);
    text-decoration-color: rgba(255, 255, 255, 0.35);
    text-underline-offset: 4px;
}

.footer-note {
    text-align: right;
}

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

.js .reveal {
    transition: transform 560ms ease;
}

@media (prefers-reduced-motion: no-preference) {
    .hero-visual .data-card {
        animation: float-card 7s ease-in-out infinite;
    }

    .signal-lines span {
        animation: signal-pulse 3.8s ease-in-out infinite;
    }

    .signal-lines span:nth-child(2) {
        animation-delay: 420ms;
    }

    .signal-lines span:nth-child(3) {
        animation-delay: 860ms;
    }
}

@keyframes float-card {
    0%,
    100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-8px);
    }
}

@keyframes signal-pulse {
    0%,
    100% {
        opacity: 0.32;
    }
    50% {
        opacity: 1;
    }
}

@media (max-width: 900px) {
    .hero-inner,
    .split-layout,
    .focus-layout,
    .section-heading,
    .insurers-panel,
    .footer-inner {
        grid-template-columns: 1fr;
    }

    h1 {
        max-width: 9.8ch;
    }

    .hero-visual {
        min-height: 500px;
    }

    .section-heading p:not(.eyebrow) {
        grid-column: auto;
        grid-row: auto;
        margin-top: 1rem;
    }

    .footer-note {
        text-align: left;
    }
}

@media (max-width: 620px) {
    .header-inner,
    .section-inner,
    .footer-inner,
    .hero-inner {
        width: min(100% - 28px, var(--max));
    }

    .header-inner {
        min-height: 68px;
    }

    .brand img {
        width: 152px;
        height: auto;
    }

    .header-link {
        padding: 0.5rem 0.7rem;
        font-size: 0.86rem;
    }

    .hero {
        padding-top: 38px;
    }

    h1 {
        font-size: clamp(3rem, 16vw, 4.25rem);
    }

    h2 {
        font-size: clamp(2rem, 10vw, 3rem);
    }

    .hero-visual {
        min-height: 430px;
    }

    .document-stack {
        left: 16px;
        top: 28px;
        width: 52%;
        height: 230px;
    }

    .document-sheet {
        padding: 1rem;
    }

    .data-card {
        right: 14px;
        bottom: 20px;
        width: calc(100% - 56px);
    }

    .data-card-header,
    .coverage-table {
        padding-left: 0.9rem;
        padding-right: 0.9rem;
    }

    .coverage-table div {
        min-height: 52px;
        gap: 0.55rem;
    }

    .coverage-table dt,
    .coverage-table dd {
        font-size: 0.86rem;
    }

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

    .issue-grid div {
        min-height: 130px;
    }

    .issue-grid strong {
        margin-top: 1.8rem;
    }

    .insurers-panel {
        padding: 1.35rem;
    }

    .contact-link {
        overflow-wrap: anywhere;
    }
}

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

    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        scroll-behavior: auto !important;
        transition-duration: 0.01ms !important;
    }
}