/* AllRisk.ai production starter — built from the supplied visual mockup */
:root{
  --navy:#0c2b47;--navy2:#123958;--teal:#13c5cf;--teal-dark:#0baeb8;
  --ink:#101820;--muted:#5e6b78;--line:#dce5ec;--soft:#f1f6f9;--white:#fff;
  --radius:18px;--shadow:0 18px 50px rgba(16,40,61,.12);--max:1180px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.section{padding:78px 0}.eyebrow{font-size:.75rem;letter-spacing:.13em;text-transform:uppercase;color:var(--teal-dark);font-weight:800}.h1,.h2,.h3{font-weight:800;letter-spacing:-.035em;line-height:1.03;margin:0}.h1{font-size:clamp(2.6rem,6vw,5.4rem)}.h2{font-size:clamp(2rem,4vw,3.5rem)}.h3{font-size:1.25rem}.lead{font-size:1.07rem;color:#d7e2eb;max-width:640px}.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:14px 23px;border-radius:7px;border:1px solid transparent;font-weight:800;font-size:.92rem;cursor:pointer;transition:.2s ease}.btn-primary{background:var(--teal);color:#032233}.btn-primary:hover{background:#20d4dc;transform:translateY(-1px)}.btn-dark{background:var(--navy);color:#fff}.btn-dark:hover{background:#16466c}.btn-outline{border-color:rgba(255,255,255,.42);color:#fff;background:transparent}.btn-outline:hover{background:rgba(255,255,255,.09)}.btn-light-outline{border-color:#c9d7e2;background:#fff;color:var(--navy)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(18,57,88,.08);backdrop-filter:blur(12px)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:900;font-size:2rem;color:#0d2d50;letter-spacing:-.05em}.brand span{color:var(--teal)}.nav-links{display:flex;gap:34px;align-items:center;font-size:.9rem}.nav-links a:hover{color:var(--teal-dark)}.nav-toggle{display:none;background:none;border:0;font-size:1.65rem;color:var(--navy)}
.hero{min-height:650px;background:linear-gradient(90deg,rgba(7,30,51,.92) 0%,rgba(7,30,51,.74) 44%,rgba(7,30,51,.28) 78%),url('../images/hero-road.jpg') center/cover no-repeat;display:flex;align-items:center;color:#fff;position:relative}.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:95px;background:linear-gradient(to bottom,transparent,#fff)}.hero-content{position:relative;z-index:2;padding:70px 0 115px}.hero .pill{display:inline-block;border:1px solid rgba(19,197,207,.65);color:#71e4ea;border-radius:999px;padding:7px 13px;font-size:.73rem;font-weight:700;margin-bottom:24px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.hero-note{font-size:.8rem;color:#a9becf;margin-top:14px}
.stats{background:var(--navy);color:#fff}.stats-grid{display:grid;grid-template-columns:repeat(3,1fr)}.stat{text-align:center;padding:42px 20px;position:relative}.stat:not(:last-child):after{content:"";position:absolute;right:0;top:32%;height:36%;width:1px;background:rgba(255,255,255,.16)}.stat strong{font-size:2.65rem;letter-spacing:-.04em}.stat strong span{color:var(--teal)}.stat small{display:block;color:#b9c9d7}
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}.check-list{list-style:none;padding:0;margin:25px 0}.check-list li{display:flex;gap:10px;margin:11px 0;font-weight:650;font-size:.93rem}.check{width:19px;height:19px;min-width:19px;border-radius:50%;background:#e5fbfc;color:var(--teal-dark);display:grid;place-items:center;font-size:.78rem}.media-card{position:relative}.media-card img{border-radius:16px;box-shadow:var(--shadow)}.partner-badge{position:absolute;left:-24px;bottom:-20px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;box-shadow:var(--shadow);font-size:.78rem;font-weight:800}.partner-badge span{display:block;color:var(--muted);font-weight:500}
.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:28px;margin-bottom:38px}.section-head p{max-width:330px;text-align:right;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;min-height:265px;display:flex;flex-direction:column}.card-top{display:flex;justify-content:space-between;gap:8px;align-items:flex-start}.tag{font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;color:#587082;font-weight:800}.save{background:#e6fbfc;color:#0798a0;border-radius:999px;padding:5px 9px;font-size:.66rem;font-weight:800}.card p{color:var(--muted);font-size:.92rem}.card .meta{margin-top:auto;border-top:1px solid var(--line);padding-top:15px;font-size:.78rem;color:#647585}.card-link{margin-top:12px;color:var(--teal-dark);font-weight:800;font-size:.88rem}
.cta-wrap{padding:64px 0}.cta{background:var(--navy);color:#fff;border-radius:20px;padding:44px 56px;display:grid;grid-template-columns:1.35fr .8fr;align-items:center;gap:40px;overflow:hidden}.cta p{color:#bcd0df}.cta-actions{display:grid;gap:10px}.cta-actions small{text-align:center;color:#8eacbf}
.page-hero{padding:90px 0 72px;background:var(--navy);color:#fff}.page-hero p{max-width:730px;color:#bdd0de;font-size:1.05rem}.breadcrumb{font-size:.78rem;color:#86a5ba;margin-bottom:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.feature{border:1px solid var(--line);border-radius:14px;padding:25px;background:#fff}.feature p{color:var(--muted)}.number{width:42px;height:42px;border-radius:50%;background:#e6fbfc;color:#078f98;display:grid;place-items:center;font-weight:900;margin-bottom:16px}.notice{background:#f7fafc;border-left:4px solid var(--teal);padding:18px 20px;border-radius:8px;color:#415362}.detail-list{display:grid;gap:13px;margin-top:22px}.detail-row{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-bottom:1px solid var(--line)}
.quote-shell{display:grid;grid-template-columns:1fr 360px;gap:34px;align-items:start}.quote-box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:var(--shadow)}.progress{display:flex;gap:8px;margin:14px 0 28px}.progress span{height:6px;background:#dbe5ec;border-radius:99px;flex:1}.progress span.active{background:var(--teal)}.form-step{display:none}.form-step.active{display:block}.field{margin:0 0 18px}.field label{display:block;font-size:.86rem;font-weight:750;margin-bottom:7px}.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid #cbd8e2;border-radius:8px;font:inherit;background:#fff}.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(19,197,207,.15);border-color:var(--teal)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:25px}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.choice{border:1px solid #cad8e2;border-radius:11px;padding:18px;cursor:pointer}.choice input{margin-right:7px}.choice:has(input:checked){border-color:var(--teal);background:#f0fdfe}.side-panel{background:var(--navy);color:#fff;border-radius:16px;padding:26px;position:sticky;top:100px}.side-panel p,.side-panel li{color:#bdd0de}.side-panel ul{padding-left:18px}.success{display:none;background:#ebfbf4;border:1px solid #bdebd3;color:#145b3a;border-radius:9px;padding:16px;margin-top:16px}.error{display:none;background:#fff1f1;border:1px solid #f3c4c4;color:#8f2929;border-radius:9px;padding:16px;margin-top:16px}
.site-footer{background:var(--navy);color:#fff;padding:58px 0 28px}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:46px}.footer-title{font-size:.69rem;letter-spacing:.14em;text-transform:uppercase;color:#8faabe;margin-bottom:14px}.footer-links{display:grid;gap:9px;font-size:.85rem;color:#d6e1e8}.footer-brand p{color:#bdd0de;font-size:.84rem;max-width:300px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;color:#93aabd;font-size:.75rem;display:flex;justify-content:space-between;gap:20px}
.cookie{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid #cad6df;z-index:100;padding:13px 0;box-shadow:0 -10px 25px rgba(0,0,0,.08)}.cookie-inner{display:flex;justify-content:space-between;gap:24px;align-items:center}.cookie p{margin:0;font-size:.76rem;color:#475966}.cookie-actions{display:flex;gap:8px;white-space:nowrap}.cookie .btn{padding:8px 13px;font-size:.74rem}
@media(max-width:900px){.nav-links{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;padding:20px;box-shadow:0 20px 30px rgba(0,0,0,.1);flex-direction:column;align-items:flex-start}.nav-links.open{display:flex}.nav-toggle{display:block}.hero{min-height:590px}.split,.quote-shell,.cta{grid-template-columns:1fr}.cards,.grid-3{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.section-head{align-items:start}.section-head p{text-align:left}.side-panel{position:static}.choice-grid{grid-template-columns:1fr}.partner-badge{left:12px}.cta{padding:36px}}
@media(max-width:620px){.container{width:min(100% - 28px,var(--max))}.section{padding:56px 0}.stats-grid{grid-template-columns:1fr}.stat:not(:last-child):after{right:18%;left:18%;bottom:0;top:auto;width:auto;height:1px}.split,.cards,.grid-2,.grid-3,.footer-grid,.form-grid{grid-template-columns:1fr}.hero{min-height:620px;background-position:62% center}.hero-content{padding-top:45px}.hero .h1{font-size:3.15rem}.cta{padding:30px 24px}.cookie-inner{align-items:flex-start;flex-direction:column;gap:10px}.cookie-actions{width:100%}.cookie-actions .btn{flex:1}.section-head{display:block}.section-head p{margin-top:14px}.footer-bottom{flex-direction:column}}