/* ---------- Reddit Sans (brand typeface) ---------- */
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Light.woff") format("woff"); font-weight: 300; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Regular.woff") format("woff"); font-weight: 400; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Italic.woff") format("woff"); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Medium.woff") format("woff"); font-weight: 500; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-SemiBold.woff") format("woff"); font-weight: 600; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Bold.woff") format("woff"); font-weight: 700; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-ExtraBold.woff") format("woff"); font-weight: 800; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-ExtraBoldItalic.woff") format("woff"); font-weight: 800; font-style: italic; font-display: swap; }
@font-face { font-family: "Reddit Sans"; src: url("/fonts/RedditSans-Black.woff") format("woff"); font-weight: 900; font-display: swap; }

/* ---------- brand palette ---------- */
:root {
  --navy: #000065;
  --blue: #2d6bff;
  --ice: #c8ddf2;
  --orange: #ff3a00;
  --peach: #ffcdb8;
  --lilac: #e1b5ff;
  --mint: #d2eeda;
  --green: #00c244;
  --forest: #0a5a3c;
  --maroon: #870a0a;
  --radius: 28px;
  --radius-sm: 18px;
  --font: "Reddit Sans", ui-sans-serif, system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: #f4f8fd; color: var(--navy);
  font-family: var(--font); font-size: 17px; line-height: 1.55;
  -webkit-font-smoothing: antialiased; font-feature-settings: "tnum" 0;
}
img, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p, figure { margin: 0; }

.wrap { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 16px; position: relative; }
@media (min-width: 768px) { .wrap { padding: 0 32px; } }

/* ---------- type ---------- */
.h2 {
  font-weight: 800; font-size: clamp(34px, 4.6vw, 64px);
  line-height: 1; letter-spacing: -0.025em; max-width: 15ch;
}
.h2--light { color: var(--navy); }
.body-lg { margin-top: 20px; max-width: 40ch; font-size: 19px; }

/* ---------- icons (brand set, recoloured with CSS masks) ---------- */
.ico { display: inline-block; width: 1em; height: 1em; background: currentColor; -webkit-mask: var(--src) center / contain no-repeat; mask: var(--src) center / contain no-repeat; }
.ico--car { --src: url("/icons/car.svg"); }
.ico--airplane { --src: url("/icons/airplane.svg"); }
.ico--bike { --src: url("/icons/bike.svg"); }
.ico--yacht { --src: url("/icons/yacht.svg"); }
.ico--jetski { --src: url("/icons/jetski.svg"); }
.ico--wedding { --src: url("/icons/wedding.svg"); }
.ico--group { --src: url("/icons/group.svg"); }
.ico--heart { --src: url("/icons/heart.svg"); }

/* ---------- chips, tags, buttons ---------- */
.chip {
  display: inline-flex; align-items: center; gap: 10px; height: 40px; padding: 0 16px 0 5px;
  border-radius: 999px; font-size: 15px; font-weight: 500;
}
.chip--light { background: var(--ice); color: var(--navy); }
.chip-ico { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; font-size: 19px; }
.chip-ico--orange { background: var(--orange); color: #fff; }

.tag {
  display: inline-block; padding: 12px 18px; border-radius: 14px;
  font-weight: 700; font-size: 19px; line-height: 1.05; max-width: 9ch;
}
.tag--peach { background: var(--peach); color: var(--orange); }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  height: 56px; padding: 0 28px; border: 0; border-radius: 999px; cursor: pointer;
  font: inherit; font-size: 17px; font-weight: 700;
  transition: transform 0.2s, background 0.2s, color 0.2s;
}
.btn svg { transition: transform 0.3s; }
.btn:hover { transform: translateY(-1px); }
.btn:hover svg { transform: translateX(4px); }
.btn:active { transform: translateY(1px); }
.btn--orange { background: var(--orange); color: #fff; }
.btn--orange:hover { background: #ff5a26; }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: #1a1a8a; }
.btn--block { width: 100%; }

.call { display: inline-flex; align-items: center; min-height: 44px; font-weight: 700; font-size: 18px; font-variant-numeric: tabular-nums; }
.call { background-image: linear-gradient(currentColor, currentColor); background-size: 0% 2px; background-position: 0 85%; background-repeat: no-repeat; transition: background-size 0.3s; }
.call:hover { background-size: 100% 2px; }
.call--ice { margin-top: 28px; color: var(--ice); }

/* ---------- nav ---------- */
.nav { position: absolute; inset: 0 0 auto 0; z-index: 30; color: #fff; }
.nav-row { height: 84px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.nav-logo { height: 24px; width: auto; }
@media (min-width: 768px) { .nav-logo { height: 32px; } }
.nav-links { display: none; gap: 32px; font-size: 16px; font-weight: 500; }
.nav-links a { opacity: 0.9; } .nav-links a:hover { opacity: 1; text-decoration: underline; text-underline-offset: 6px; }
@media (min-width: 900px) { .nav-links { display: flex; } }
.nav-quote {
  white-space: nowrap; flex-shrink: 0;
  display: inline-flex; align-items: center; height: 44px; padding: 0 22px; border-radius: 999px;
  background: var(--navy); color: #fff; font-weight: 700; font-size: 15px; transition: background 0.2s;
}
.nav-quote:hover { background: var(--orange); }

/* ---------- hero: brand layout ---------- */
.footer-stage { position: relative; overflow: hidden; isolation: isolate; }
.layer { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 40%; }
.layer--bg { z-index: 0; }

.hero { position: relative; background: var(--blue); overflow: hidden; }
.hero-grid {
  display: grid; gap: 56px; align-items: center;
  padding-top: 120px; padding-bottom: 72px; min-height: min(100svh, 940px);
}
@media (min-width: 1000px) { .hero-grid { grid-template-columns: 0.9fr 1.1fr; gap: 48px; padding-top: 112px; } }
.hero-h1 {
  margin-top: 20px; font-weight: 800; font-size: clamp(46px, 6.2vw, 96px);
  line-height: 0.94; letter-spacing: -0.03em; max-width: 11ch; color: var(--ice);
}
.hero-lede { margin-top: 22px; max-width: 36ch; font-size: clamp(17px, 1.4vw, 20px); color: #fff; }
.hero-ctas { margin-top: 32px; display: flex; flex-wrap: wrap; align-items: center; gap: 14px 28px; }
.hero .call { color: #fff; }

.hero-visual { position: relative; padding: 40px 0 56px; }
.hero-card {
  position: relative; z-index: 1; aspect-ratio: 16 / 10; border-radius: var(--radius); overflow: hidden;
  background: var(--navy); box-shadow: 0 30px 60px -30px rgba(0,0,60,0.6);
}
.hero-card img { width: 100%; height: 100%; object-fit: cover; object-position: center 45%; }
.doodle--hero { width: 62%; right: -8%; top: -12%; z-index: 0; }
.hero-tag { position: absolute; z-index: 2; left: -18px; top: 36%; }
.hero-chip { position: absolute; z-index: 2; right: 24px; bottom: 28px; box-shadow: 0 10px 24px -12px rgba(0,0,60,0.6); }
.tag--navy { background: var(--navy); color: var(--peach); }
@media (max-width: 999px) {
  .hero-visual { padding: 24px 0 40px; }
  .hero-tag { left: -6px; top: auto; bottom: 64px; font-size: 16px; }
  .doodle--hero { width: 70%; right: -14%; top: -10%; }
}

/* ---------- blocks and cards ---------- */
.block { padding: 48px 0; }
@media (min-width: 900px) { .block { padding: 72px 0; } }
.block--tight { padding-top: 0; }

.card { position: relative; border-radius: var(--radius); padding: 32px 24px; overflow: hidden; }
@media (min-width: 768px) { .card { padding: 56px; } }
.card--ice { background: var(--ice); color: var(--navy); }
.card--blue { background: var(--blue); color: var(--ice); }
.card--mint { background: var(--mint); color: var(--forest); }
.card--peach { background: var(--peach); color: var(--navy); }
.card--lilac { background: var(--lilac); color: var(--forest); }
.card--navy { background: var(--navy); color: #fff; }

/* statement */
.statement-card { min-height: 520px; }
.statement { position: relative; z-index: 1; font-weight: 800; font-size: clamp(44px, 7vw, 108px); line-height: 0.95; letter-spacing: -0.035em; }
.proof { position: relative; z-index: 1; margin: 64px 0 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px 20px; }
@media (min-width: 900px) { .proof { grid-template-columns: repeat(4, 1fr); } }
.proof div { border-top: 2px solid var(--navy); padding-top: 16px; }
.proof dt { font-weight: 800; font-size: clamp(40px, 4.4vw, 64px); line-height: 1; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; }
.proof dt small { font-size: 0.4em; font-weight: 700; letter-spacing: 0; margin: 0 3px; color: var(--blue); }
.proof dd { margin: 10px 0 0; max-width: 24ch; font-size: 15px; }

/* doodle (brand element), drawn on scroll */
.doodle { position: absolute; pointer-events: none; }
.doodle path { stroke: var(--orange); stroke-width: 48; stroke-dasharray: 1; stroke-dashoffset: var(--draw, 0); }
.doodle--statement { width: clamp(150px, 14vw, 210px); right: 48px; top: 40px; }
.doodle--quote { width: clamp(180px, 18vw, 260px); left: auto; right: -40px; bottom: -150px; z-index: 0; }
@media (max-width: 767px) { .doodle--statement { width: 72px; right: 14px; top: 14px; } .statement { padding-right: 36px; font-size: 38px; } }

/* film */
.film-head { margin-bottom: 36px; }
.film-frame {
  box-shadow: 0 30px 60px -30px rgba(0,0,60,0.45);
  position: relative; width: min(1216px, calc(100% - 32px)); margin: 0 auto;
  aspect-ratio: 16 / 9; overflow: hidden; border-radius: var(--radius); background: var(--navy);
  clip-path: inset(var(--mask, 10%) round var(--radius));
}
@media (min-width: 768px) { .film-frame { width: min(1216px, calc(100% - 64px)); } }
.film { width: 100%; height: 100%; object-fit: cover; }

/* steps */
.steps { list-style: none; margin: 36px 0 0; padding: 0; display: grid; gap: 16px; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.steps .card { min-height: 300px; display: flex; flex-direction: column; justify-content: space-between; gap: 40px; padding: 32px; }
.step-n { font-weight: 800; font-size: 22px; font-variant-numeric: tabular-nums; }
.steps h3 { font-weight: 800; font-size: clamp(28px, 2.6vw, 38px); line-height: 1; letter-spacing: -0.02em; }
.steps p { margin-top: 12px; font-size: 16px; max-width: 32ch; }

/* why */
.why-grid { display: grid; gap: 16px; }
@media (min-width: 1000px) { .why-grid { grid-template-columns: 1fr 1.25fr; } }
.card--art { padding: 0; align-self: stretch; min-height: 0; aspect-ratio: 1 / 1; background: linear-gradient(180deg, #2b6cfe 50%, #000266 50%); }
@media (min-width: 1000px) { .card--art { aspect-ratio: auto; } }
.card--art img { width: 100%; height: 100%; object-fit: contain; object-position: center; }
.card--art figcaption { position: absolute; left: 32px; top: 28px; color: var(--navy); font-weight: 800; font-size: clamp(32px, 3.4vw, 48px); line-height: 0.95; letter-spacing: -0.02em; }
.why-list { list-style: none; margin: 40px 0 0; padding: 0; display: grid; gap: 0; }
@media (min-width: 640px) { .why-list { grid-template-columns: 1fr 1fr; column-gap: 32px; } }
.why-list li { padding: 20px 0; border-top: 1px solid rgba(200,221,242,0.3); }
.why-list h3 { font-weight: 800; font-size: 22px; color: var(--ice); }
.why-list p { margin-top: 6px; font-size: 16px; color: #dfe9f7; }

/* insurers */
.insurers { list-style: none; margin: 40px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.insurers li { padding: 12px 20px; border-radius: 999px; background: rgba(255,255,255,0.55); font-weight: 700; font-size: clamp(16px, 1.5vw, 20px); color: var(--forest); }

/* quote */
.quote-card { display: grid; gap: 40px; align-items: start; }
@media (min-width: 1000px) { .quote-card { grid-template-columns: 1fr 1.15fr; gap: 64px; } }
.quote-copy { position: relative; z-index: 1; }
.quote-card .h2 { color: #fff; }
.form { position: relative; z-index: 1; background: #fff; color: var(--navy); border-radius: var(--radius-sm); padding: 24px; }
@media (min-width: 768px) { .form { padding: 32px; } }
.fields { display: grid; gap: 18px; }
@media (min-width: 560px) { .fields { grid-template-columns: 1fr 1fr; } }
.field { display: flex; flex-direction: column; gap: 8px; }
.field label { font-size: 14px; font-weight: 700; }
.field input, .field select {
  height: 52px; width: 100%; padding: 0 16px; border-radius: 14px;
  border: 2px solid var(--ice); background: #f5f9fd; color: var(--navy);
  font: inherit; font-size: 16px; outline: none; transition: border-color 0.2s, box-shadow 0.2s;
}
.field input::placeholder { color: #6a74a8; }
.field input:focus, .field select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(45,107,255,0.25); }
.form-error { margin-top: 14px; font-size: 14px; color: var(--maroon); font-weight: 600; }
.form .btn { margin-top: 24px; }
.form-note { margin-top: 14px; font-size: 13px; color: #4a5290; }

/* ---------- footer ---------- */
.footer { position: relative; margin-top: 48px; color: #fff; }
.footer-hero { background: var(--blue); }
.footer-grid-top { display: grid; gap: 40px; align-items: center; padding-top: 80px; padding-bottom: 80px; }
@media (min-width: 1000px) { .footer-grid-top { grid-template-columns: 1fr 1.1fr; gap: 64px; } }
.footer-title { font-weight: 800; font-size: clamp(44px, 6.4vw, 100px); line-height: 0.92; letter-spacing: -0.035em; color: var(--ice); margin-bottom: 32px; }
.footer-card { aspect-ratio: 16 / 10; border-radius: var(--radius); overflow: hidden; box-shadow: 0 30px 60px -30px rgba(0,0,60,0.6); }
.footer-card img { width: 100%; height: 100%; object-fit: cover; object-position: center 40%; }
.footer-base { background: var(--navy); }
.footer-grid { display: grid; gap: 36px; padding-top: 40px; padding-bottom: 56px; }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; } }
.foot-logo { height: 34px; width: auto; }
.muted { margin-top: 18px; max-width: 34ch; font-size: 15px; color: var(--ice); }
.foot-links { display: grid; gap: 10px; align-content: start; font-size: 15px; font-weight: 600; }
.foot-links a:hover { text-decoration: underline; }
.legal { font-size: 13px; line-height: 1.6; color: #9fb0d6; }

/* ---------- reveal ---------- */
.reveal { transform: translateY(28px); opacity: 0.001; transition: transform 0.9s cubic-bezier(.2,.7,.2,1), opacity 0.9s; }
.reveal.is-in, .no-js .reveal { transform: none; opacity: 1; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { transform: none !important; opacity: 1 !important; transition: none; }
  [data-parallax-title] { transform: none !important; }
  .film-frame { clip-path: inset(0 round var(--radius)) !important; }
  .doodle path { stroke-dashoffset: 0 !important; }
  .tile:hover, .btn:hover { transform: none; }
}

/* ---------- form states ---------- */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form-done { padding: 8px 0; }
.form-done h3 { font-weight: 800; font-size: 28px; line-height: 1.1; color: var(--navy); }
.form-done p { margin-top: 10px; font-size: 16px; }
.form-done a, .form-note a { color: var(--blue); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.btn[disabled] { opacity: 0.7; cursor: progress; }