:root {
  --bg: #f8fafc;
  --bg-muted: #edf2f7;
  --bg-accent: #e0f2fe;
  --text: #0f172a;
  --text-soft: #475569;
  --primary: #0369a1;
  --primary-soft: #e0f2fe;
  --border: #e2e8f0;
  --radius-lg: 1.5rem;
  --shadow-soft: 0 18px 45px rgba(15, 23, 42, 0.18);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
  scroll-behavior: smooth;
}

body {
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: radial-gradient(circle at top, #e0f2fe 0, #f8fafc 30%, #ffffff 70%);
  color: var(--text);
  line-height: 1.6;
}

/* Layout */

.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.narrow {
  max-width: 720px;
  margin: 0 auto;
}

.section {
  padding: 4.5rem 0;
}

.section-muted {
  background: rgba(226, 232, 240, 0.4);
}

.section-accent {
  background: linear-gradient(135deg, #e0f2fe, #ecfeff);
}

.section-contact {
  background: radial-gradient(circle at top left, #e0f2fe 0, #f9fafb 40%, #ffffff 100%);
}

.section-title {
  font-family: "Playfair Display", "Times New Roman", serif;
  font-size: 2.1rem;
  margin: 0 0 1.5rem;
  letter-spacing: -0.02em;
}

/* Header */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  backdrop-filter: blur(18px);
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 4rem;
  gap: 1.75rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  text-decoration: none;
  color: inherit;
}

.logo {
  position: relative;
  width: 40px;
  height: 40px;
}

.logo-bg {
  position: absolute;
  inset: 0;
  border-radius: 999px;
  background: linear-gradient(135deg, #0369a1, #0ea5e9);
  box-shadow: 0 8px 20px rgba(37, 99, 235, 0.38);
}

.logo-text {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "Playfair Display", serif;
  font-weight: 600;
  color: #fff;
  font-size: 0.9rem;
}

.brand-name {
  font-weight: 600;
  font-size: 1rem;
}

.brand-sub {
  font-size: 0.75rem;
  color: var(--text-soft);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 2.4rem;
  font-size: 0.86rem;
}
.main-nav a {
  text-decoration: none;
  color: var(--text-soft);
  padding: 0.25rem 0.4rem;
  border-radius: 999px;
  transition: color 0.15s ease, background-color 0.15s ease;
}

.main-nav a:hover {
  color: var(--primary);
  background: rgba(59, 130, 246, 0.06);
}

.main-nav .nav-cta {
  color: #fff;
  background: var(--primary);
  padding: 0.35rem 0.9rem;
  box-shadow: 0 8px 18px rgba(15, 23, 42, 0.2);
}

.nav-toggle {
  display: none;
  border: none;
  background: none;
  padding: 0.25rem;
  flex-direction: column;
  gap: 0.25rem;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--text);
}

/* Hero */

.hero {
  position: relative;
  min-height: 72vh;
  display: flex;
  align-items: stretch;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  filter: blur(1.0px) brightness(0.93);
  transform: scale(1.0);
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), transparent 55%),
              linear-gradient(to bottom, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.6));
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  padding: 4.5rem 1.25rem 4rem;
}

.hero-content {
  max-width: 560px;
  color: #e5f0ff;
}

.hero h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(2.4rem, 3vw, 3rem);
  margin: 0 0 0.75rem;
  letter-spacing: -0.03em;
}

.hero-tagline {
  font-size: 1.05rem;
  color: #e0f2fe;
  margin-bottom: 0.25rem;
}

.hero-line {
  font-size: 0.9rem;
  color: #cbd5f5;
}

.hero-text {
  margin-top: 1.5rem;
  max-width: 36rem;
  color: #e2e8f0;
}

.hero-actions {
  margin-top: 2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

/* Buttons */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.65rem 1.2rem;
  border-radius: 999px;
  border: 1px solid transparent;
  font-size: 0.9rem;
  font-weight: 500;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease, box-shadow 0.15s ease, transform 0.08s ease;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 14px 35px rgba(15, 23, 42, 0.35);
}

.btn-primary:hover {
  background: #075985;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  border-color: rgba(148, 163, 184, 0.7);
  color: #e2e8f0;
}

.btn-outline:hover {
  background: rgba(15, 23, 42, 0.4);
}

.btn-block {
  width: 100%;
}

/* Cards & helpers */

.card {
  background: rgba(255, 255, 255, 0.92);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 1.5rem 1.6rem;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.08);
  margin-bottom: 1.5rem;
}

.card.highlight {
  background: radial-gradient(circle at top left, #e0f2fe, #ffffff);
}

.card.info {
  background: linear-gradient(135deg, #eff6ff, #ffffff);
}

.card-title {
  font-weight: 600;
  margin-top: 0;
  margin-bottom: 0.9rem;
}

.list {
  padding-left: 1.1rem;
  margin: 0.3rem 0 0.9rem;
}

.list li {
  margin-bottom: 0.35rem;
}

.mono {
  font-family: "DM Mono", ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
}

.small {
  font-size: 0.8rem;
  color: var(--text-soft);
}

.subheading {
  font-weight: 600;
  margin-top: 0.75rem;
}

/* Grids */

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  gap: 2.5rem;
}

.grid-tiles {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 0.9rem;
  margin-top: 1.5rem;
}

.tile {
  background: linear-gradient(135deg, #ffffff, #edf2ff);
  border-radius: 1rem;
  padding: 0.9rem 1rem;
  border: 1px solid var(--border);
  font-size: 0.9rem;
}

/* Pills / feature chips */

.pill-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 0.75rem;
}

.pill {
  padding: 0.8rem 0.9rem;
  border-radius: 0.9rem;
  background: rgba(241, 245, 249, 0.9);
  border: 1px solid rgba(203, 213, 225, 0.9);
  font-size: 0.85rem;
}

.pill-title {
  font-weight: 600;
  margin-bottom: 0.2rem;
}

.pill-text {
  color: var(--text-soft);
  font-size: 0.83rem;
}

/* Fees */

.fee-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 0.9rem;
}

.fee-list li {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.4rem 0;
  border-bottom: 1px dashed rgba(148, 163, 184, 0.6);
}

.fee-list li:last-child {
  border-bottom: none;
}

/* Insurance */

/* Insurance section layout */
#insurance {
  padding: 4rem 1.5rem;
  background: #f4f7fb;          /* soft background already similar to your screenshot */
  text-align: left;
}

#insurance h2 {
  text-align: left;
}

/* Wrapper that controls the visible area of the image */
.insurer-banner-wrapper {
  max-width: 720px;             /* overall width of the card */
  margin: 2rem auto 1.5rem;     /* center it, add some space */
  border-radius: 18px;
  overflow: hidden;             /* CROPS excess white from image */
  box-shadow: 0 12px 30px rgba(15, 23, 42, 0.12);
  background: #ffffff;
}

/* The image itself */
.insurer-banner {
  width: 100%;
  height: 140px;                /* ↓ change this number to see more/less of the banner */
  display: block;
  object-fit: cover;            /* zooms/crops so logos fill area neatly */
}

/* Resources */

.resource-grid {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}

.resource-card {
  background: rgba(255, 255, 255, 0.96);
  border-radius: 1.1rem;
  border: 1px solid rgba(209, 213, 219, 0.95);
  padding: 1.2rem 1.3rem 1.1rem;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
  font-size: 0.92rem;
}

.resource-card h3 {
  margin-top: 0;
  margin-bottom: 0.5rem;
}

/* Contact */

.contact-form {
  background: rgba(255, 255, 255, 0.96);
  border-radius: 1.5rem;
  padding: 1.8rem 1.6rem;
  border: 1px solid rgba(209, 213, 219, 0.95);
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.16);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.field {
  margin-bottom: 1rem;
}

.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 0.3rem;
}

.field input,
.field textarea,
.field select {
  width: 100%;
  border-radius: 0.75rem;
  border: 1px solid rgba(148, 163, 184, 0.9);
  padding: 0.55rem 0.7rem;
  font-size: 0.88rem;
  font-family: inherit;
  outline: none;
  transition: border-color 0.15s ease, box-shadow 0.15s ease, background-color 0.15s ease;
  background: rgba(248, 250, 252, 0.9);
}

.field input:focus,
.field textarea:focus,
.field select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 1px rgba(3, 105, 161, 0.4);
  background: #ffffff;
}

.checkbox-field {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}

.checkbox-field input[type="checkbox"] {
  width: 1rem;
  height: 1rem;
  margin-top: 0.2rem;
}

/* Footer */

.site-footer {
  border-top: 1px solid var(--border);
  background: #ffffff;
  padding: 2.75rem 0;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 2rem;
  font-size: 0.85rem;
}

.footer-name {
  font-weight: 600;
}

.footer-line {
  color: var(--text-soft);
}

.footer-links {
  margin-top: 0.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.75rem;
}

.footer-links a {
  color: var(--primary);
  text-decoration: none;
}

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

.footer-email {
  color: var(--primary);
  text-decoration: none;
  font-weight: 500;
}

.footer-copy {
  margin-top: 0.25rem;
  color: var(--text-soft);
}

/* Misc */

.section-welcome {
  padding-top: 3.5rem;
}

.section-split {
  padding-top: 4rem;
}

.mt {
  margin-top: 1.5rem;
}

.contact-email a {
  color: var(--primary);
  text-decoration: none;
}

.contact-email a:hover {
  text-decoration: underline;
}

/* Responsive */

@media (max-width: 960px) {
  .split-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .hero-inner {
    padding-top: 4.5rem;
    padding-bottom: 3.2rem;
  }

  .hero-content {
    max-width: 100%;
  }

  .hero h1 {
    font-size: 2.2rem;
  }

  .footer-inner {
    flex-direction: column;
  }

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

@media (max-width: 800px) {
  .main-nav {
    position: fixed;
    inset: 64px 0 auto;
    background: rgba(255, 255, 255, 0.98);
    flex-direction: column;
    align-items: flex-start;
    padding: 0.75rem 1.4rem 1rem;
    transform: translateY(-140%);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.18s ease, opacity 0.18s ease;
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12);
  }

  .main-nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav-toggle {
    display: flex;
  }

  .header-inner {
    height: 3.6rem;
  }

  .hero-inner {
    padding-top: 4.3rem;
  }

  .hero-content {
    text-align: left;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .form-row {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media (max-width: 640px) {
  .section {
    padding: 3.25rem 0;
  }

  .hero {
    min-height: 68vh;
  }

  .hero-inner {
    padding-bottom: 2.8rem;
  }

  .section-title {
    font-size: 1.7rem;
  }

  .card {
    padding: 1.25rem 1.3rem;
  }

  .contact-form {
    padding: 1.5rem 1.35rem;
  }
}