/* Princess Carminati, Insurance Broker. Built from the Princess Carminati design system. */
:root{
  --navy:#0F1738; --navy-deep:#0B112B; --gold:#C89A53; --gold-light:#E0B878;
  --burgundy:#6E1F32; --bronze:#8C633C; --ivory:#F8F4EC; --white:#FFFFFF;
  --grey:#B9B9B9; --line-ivory:#D9CFBC; --rose:#E6D9DC;
  --font:"Montserrat","Helvetica Neue",Arial,sans-serif;
  --gutter:clamp(20px,6.5vw,96px);
  --section:clamp(64px,8vw,110px);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--navy);color:var(--white);font-family:var(--font);font-weight:300;font-size:17px;line-height:1.55}
img{max-width:100%;display:block}
a{color:var(--gold)}a:hover{color:var(--gold-light)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
h1,h2,h3{margin:0;font-weight:600;text-transform:uppercase;line-height:1.2;text-wrap:balance}
p{margin:0}
.wrap{width:100%;max-width:1440px;margin:0 auto;padding-inline:var(--gutter)}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy);padding:10px 16px;z-index:100}
.skip:focus{left:16px;top:16px}

/* Type */
.h1{font-size:clamp(32px,4.2vw,60px);line-height:1.15;letter-spacing:.01em}
.h2{font-size:clamp(26px,2.7vw,38px)}
.h3{font-size:clamp(17px,1.5vw,21px);line-height:1.25}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--grey)}
.sub{font-size:clamp(18px,1.9vw,26px);line-height:1.4;color:var(--gold)}
.lede{font-size:clamp(17px,1.35vw,19px);line-height:1.6}
.muted{color:var(--grey)}
.rule{display:block;width:73px;height:2px;background:var(--gold);flex:none}
.stack{display:flex;flex-direction:column;align-items:flex-start;gap:28px}
.stack-sm{display:flex;flex-direction:column;gap:14px}
.fine{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--grey)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:5px;border:1px solid var(--gold);font-family:var(--font);font-size:15px;font-weight:400;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;white-space:nowrap;cursor:pointer}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-light);border-color:var(--gold-light);color:var(--navy)}
.btn-outline{background:transparent;color:var(--white)}
.btn-outline:hover{background:rgba(200,154,83,.12);color:var(--white)}
.btn-dark{background:var(--navy);border-color:var(--navy);color:var(--white)}
.btn-dark:hover{background:#1B2554;color:var(--white)}
.btn svg{flex:none}
.actions{display:flex;flex-wrap:wrap;gap:16px}

/* Logo */
.logo{display:inline-flex;align-items:center;gap:16px;text-decoration:none;color:var(--gold)}
.logo svg{flex:none}
.logo-text{display:flex;flex-direction:column;align-items:center;gap:4px}
.logo-name{font-size:12.5px;font-weight:400;letter-spacing:.24em;margin-right:-.24em;white-space:nowrap}
.logo-desc{display:flex;align-items:center;gap:7px;font-size:7.8px;font-weight:400;letter-spacing:.24em;white-space:nowrap}
.logo-desc::before,.logo-desc::after{content:"";width:34px;height:1px;background:var(--gold)}
.logo-stacked{flex-direction:column;gap:10px}
.logo-stacked .logo-name{font-size:14px}
.logo-stacked .logo-desc{font-size:9px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid rgba(200,154,83,.25)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.nav{display:flex;align-items:center;gap:36px}
.nav a.nav-link{color:var(--white);text-decoration:none;font-size:15px;font-weight:400;letter-spacing:.08em;text-transform:uppercase}
.nav a.nav-link:hover,.nav a.nav-link[aria-current="page"]{color:var(--gold)}
.nav .btn{min-height:46px;font-size:14px;padding:0 20px}
.menu-toggle{display:none;width:44px;height:44px;border:0;background:transparent;color:var(--white);align-items:center;justify-content:center;cursor:pointer}
@media (max-width:980px){
  .header-inner{min-height:68px}
  .logo-text{display:none}
  .menu-toggle{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-bottom:1px solid rgba(200,154,83,.25);padding:8px var(--gutter) 24px}
  .nav.open{display:flex}
  .nav a.nav-link{padding:16px 0;border-bottom:1px solid rgba(200,154,83,.2)}
  .nav .btn{margin-top:16px}
}

/* Sections */
.section{padding-block:var(--section)}
.ivory{background:var(--ivory);color:var(--navy)}
.white{background:var(--white);color:var(--navy)}
.burgundy{background:var(--burgundy);color:var(--white)}
.navy{background:var(--navy)}
.watermark{position:relative;overflow:hidden}
.watermark>.wm{position:absolute;opacity:.035;pointer-events:none;width:min(620px,70vw);height:auto}
.watermark>.wrap{position:relative}
.section-head{display:flex;flex-direction:column;gap:24px;margin-bottom:56px}
.section-head p{max-width:620px}

/* Hero with photo */
.hero{position:relative;overflow:hidden;background:var(--navy)}
.hero-photo{position:absolute;top:0;right:0;bottom:0;width:57%}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.hero-photo::before{content:"";position:absolute;inset:0;background:linear-gradient(to right,var(--navy) 0%,rgba(15,23,56,.75) 22%,rgba(15,23,56,0) 55%);z-index:1}
.hero-photo.left{left:0;right:auto;width:50%}
.hero-photo.left::before{background:linear-gradient(to left,var(--navy) 0%,rgba(15,23,56,.7) 22%,rgba(15,23,56,0) 55%)}
.hero-copy{position:relative;z-index:2;min-height:680px;display:flex;align-items:center;padding-block:96px}
.hero-copy .stack{max-width:640px}
.hero-copy.right{justify-content:flex-end}
.hero-copy.right .stack{max-width:560px}
.hero-short .hero-copy{min-height:560px}
.hero-cutout{position:absolute;right:4%;bottom:0;width:min(560px,42%);height:auto;max-height:100%;object-fit:contain;object-position:bottom right;z-index:1}
@media (max-width:900px){
  .hero-photo,.hero-photo.left{position:relative;width:100%;height:420px}
  .hero-photo::before,.hero-photo.left::before{background:linear-gradient(to top,var(--navy) 0%,rgba(15,23,56,0) 45%)}
  .hero-copy,.hero-short .hero-copy{min-height:0;padding-block:8px 56px}
  .hero-copy.right{justify-content:flex-start}
  .hero-cutout{position:relative;right:auto;width:80%;max-width:420px;height:auto;max-height:none;margin:24px auto 0}
  .hero-cutout-wrap{display:flex;flex-direction:column-reverse}
}

/* Grids */
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px 80px}
.split{display:grid;grid-template-columns:minmax(0,440px) minmax(0,1fr);gap:96px}
@media (max-width:980px){.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.split{grid-template-columns:1fr;gap:40px}}
@media (max-width:640px){.grid-3,.grid-2{grid-template-columns:1fr}}

/* Cards */
.card{display:flex;flex-direction:column;gap:16px;padding:36px 32px;background:var(--white);border-top:2px solid var(--gold);color:var(--navy);text-decoration:none}
a.card:hover{color:var(--navy);box-shadow:inset 0 0 0 1px var(--line-ivory)}
.card .more{margin-top:auto;font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:6px}
.card .best{font-size:14px;font-weight:600;letter-spacing:.04em}
.line-item{display:flex;flex-direction:column;gap:12px;padding-top:24px;border-top:1px solid rgba(200,154,83,.5);color:var(--white);text-decoration:none}
a.line-item:hover h3{color:var(--gold)}
.line-item p{color:var(--grey);font-size:16px}
.callout{display:flex;flex-direction:column;align-items:flex-start;gap:14px;padding:28px;background:var(--burgundy)}
.callout p{color:var(--rose);font-size:16px}
.callout .btn{min-height:44px;font-size:13px;padding:0 18px}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px}
.steps li{display:flex;flex-direction:column;gap:14px}
.steps .num{font-size:44px;font-weight:300;line-height:1;color:var(--bronze)}
@media (max-width:820px){.steps{grid-template-columns:1fr;gap:36px}}

/* Proof strip and carriers */
.proof{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:48px;padding-block:64px}
.proof>div{display:flex;flex-direction:column;gap:8px}
.proof>div+div{padding-left:48px;border-left:1px solid var(--line-ivory)}
.proof strong{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase}
@media (max-width:820px){.proof{grid-template-columns:1fr;gap:28px}.proof>div+div{padding-left:0;border-left:0;padding-top:28px;border-top:1px solid var(--line-ivory)}}
.carriers{padding-block:48px 64px;border-top:1px solid #E6DECF}
.carriers h2{font-size:13px;letter-spacing:.14em;text-align:center;margin-bottom:36px}
.carrier-row{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:40px;align-items:center;justify-items:center}
.carrier-row img{max-height:var(--h,40px);width:auto;object-fit:contain}
@media (max-width:980px){.carrier-row{grid-template-columns:repeat(3,minmax(0,1fr));row-gap:36px}}
@media (max-width:520px){.carrier-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 28px}}

/* Lists */
.check-list{list-style:none;margin:0;padding:0}
.check-list li{padding:16px 0;border-bottom:1px solid var(--line-ivory);font-size:18px;line-height:1.4}
.check-list li:last-child{border-bottom:0}
.lever-list{list-style:none;margin:0;padding:0}
.lever-list li{display:flex;gap:24px;padding:18px 0;border-bottom:1px solid rgba(200,154,83,.3)}
.lever-list li:last-child{border-bottom:0}
.lever-list b{width:200px;flex:none;font-weight:600;font-size:15px;letter-spacing:.06em;text-transform:uppercase}
.lever-list span{color:var(--grey)}
@media (max-width:560px){.lever-list li{flex-direction:column;gap:4px}.lever-list b{width:auto}}
.creds{margin:0}
.creds>div{display:flex;gap:24px;padding:16px 0;border-bottom:1px solid var(--line-ivory)}
.creds>div:last-child{border-bottom:0}
.creds dt{width:180px;flex:none;font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
.creds dd{margin:0}
@media (max-width:560px){.creds>div{flex-direction:column;gap:4px}.creds dt{width:auto}}
.faq{display:flex;flex-direction:column;gap:10px}
.faq h3{text-transform:none;font-size:19px;line-height:1.35}
.faq p{font-size:16px;line-height:1.6}
.navy .faq p{color:var(--grey)}
.link-tile{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:28px;border:1px solid rgba(200,154,83,.5);color:var(--white);text-decoration:none}
.link-tile:hover{background:rgba(200,154,83,.08);color:var(--white)}
.link-tile span span{display:block}
.link-tile .t{font-size:18px;font-weight:600;text-transform:uppercase}
.link-tile .d{font-size:15px;color:var(--grey)}

/* Closing CTA */
.cta-band{position:relative;overflow:hidden;background:var(--navy)}
.cta-band .hero-copy{min-height:560px}
.cta-center{text-align:center;display:flex;flex-direction:column;align-items:center;gap:28px;padding-block:96px}
.cta-center p{color:var(--rose)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:minmax(0,480px) minmax(0,1fr);gap:96px;align-items:start}
@media (max-width:1060px){.contact-grid{grid-template-columns:1fr;gap:56px}}
.details{margin:12px 0 0;width:100%}
.details>div{display:flex;flex-direction:column;gap:4px;padding:18px 0;border-top:1px solid rgba(200,154,83,.35)}
.details>div:last-child{border-bottom:1px solid rgba(200,154,83,.35)}
.details dt{font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--grey)}
.details dd{margin:0}
.details a{color:var(--white);text-decoration:none}
.details a:hover{color:var(--gold)}
.form{background:var(--ivory);color:var(--navy);padding:clamp(28px,4vw,52px);display:flex;flex-direction:column;gap:26px}
.form .row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
@media (max-width:600px){.form .row{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:8px}
.field label,.form legend{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.form input[type=text],.form input[type=tel],.form input[type=email],.form select,.form textarea{width:100%;min-height:48px;padding:0 14px;border:1px solid #BFB4A0;border-radius:4px;background:var(--white);color:var(--navy);font-family:var(--font);font-size:16px}
.form textarea{padding:12px 14px;line-height:1.5;resize:vertical;min-height:120px}
.form fieldset{margin:0;padding:0;border:0}
.form legend{padding:0;margin-bottom:12px}
.pills{display:flex;flex-wrap:wrap;gap:10px}
.pills label{display:flex;align-items:center;gap:8px;min-height:44px;padding:0 16px;border:1px solid #BFB4A0;border-radius:4px;background:var(--white);font-size:15px;font-weight:400;cursor:pointer}
.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px}
@media (max-width:600px){.checks{grid-template-columns:1fr}}
.checks label{display:flex;align-items:center;gap:10px;min-height:36px;font-size:15px;cursor:pointer}
.form input[type=checkbox],.form input[type=radio]{width:18px;height:18px;accent-color:var(--navy);flex:none}
.consent{display:flex;align-items:flex-start;gap:12px;font-size:14px;line-height:1.5}
.consent input{margin-top:2px}
.hidden{position:absolute;left:-9999px}

/* Footer */
.site-footer{background:var(--navy-deep);color:var(--grey);font-size:14px;padding-block:72px 40px}
.footer-top{display:flex;justify-content:space-between;gap:48px;flex-wrap:wrap}
.footer-cols{display:flex;gap:72px;flex-wrap:wrap}
.footer-cols>div{display:flex;flex-direction:column;gap:12px}
.footer-cols h2{font-size:12px;letter-spacing:.14em;color:var(--gold)}
.footer-cols a{color:var(--white);text-decoration:none}
.footer-cols a:hover{color:var(--gold)}
.footer-cols span.w{color:var(--white)}
.footer-rule{height:1px;background:rgba(200,154,83,.3);margin-block:40px}
.footer-legal{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;font-size:12px;line-height:1.6}
.footer-legal p{max-width:860px}
@media (max-width:900px){.site-footer{padding-bottom:120px}}

/* Mobile WhatsApp bar */
.wa-bar{display:none}
@media (max-width:900px){
  .wa-bar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:12px 20px calc(12px + env(safe-area-inset-bottom,0px));background:rgba(11,17,43,.97);border-top:1px solid rgba(200,154,83,.4)}
  .wa-bar .btn{min-height:48px;font-size:13px}
  .wa-bar .btn-outline{flex:1}
  .wa-bar .btn-primary{width:52px;padding:0}
}

/* Dropdown menus and language switch */
.nav-group{position:relative}
.nav-group>.nav-link{display:inline-flex;align-items:center;gap:8px}
.nav-sub{display:none;position:absolute;top:100%;left:-24px;min-width:300px;padding:14px 0;background:var(--navy);border:1px solid rgba(200,154,83,.3);flex-direction:column}
.nav-sub a{padding:10px 24px;color:var(--white);text-decoration:none;font-size:15px;font-weight:300}
.nav-sub a:hover{color:var(--gold);background:rgba(200,154,83,.08)}
.nav-group:hover .nav-sub,.nav-group:focus-within .nav-sub{display:flex}
.nav-group::after{content:"";position:absolute;left:0;right:0;top:100%;height:12px}
.lang{display:flex;gap:10px;padding-left:20px;border-left:1px solid rgba(185,185,185,.35);font-size:13px;letter-spacing:.1em}
.lang a{color:var(--grey);text-decoration:none}
.lang a[aria-current="true"]{color:var(--white);font-weight:600}
.lang a:hover{color:var(--gold)}
@media (max-width:1180px){.nav{gap:24px}.nav a.nav-link{font-size:14px}}
@media (max-width:980px){
  .nav-group>.nav-link svg{display:none}
  .nav-sub{display:flex;position:static;min-width:0;padding:0 0 8px 16px;background:none;border:0}
  .nav-sub a{padding:12px 0;border-bottom:1px solid rgba(200,154,83,.12)}
  .nav-group::after{display:none}
  .lang{padding:16px 0 0;border-left:0}
}
.quote{margin:0;font-size:clamp(22px,2.3vw,32px);font-weight:600;line-height:1.25;text-transform:uppercase;max-width:960px}
.nav a.nav-link,.nav .btn{white-space:nowrap}
@media (max-width:1360px) and (min-width:981px){.nav{gap:20px}.nav a.nav-link{font-size:13.5px;letter-spacing:.06em}.lang{padding-left:14px}.nav .btn{padding:0 16px;font-size:13px}.logo-name{font-size:11.5px}}
@media (max-width:1120px) and (min-width:981px){.logo-text{display:none}}
.policy{max-width:760px;display:flex;flex-direction:column;gap:44px}
.policy-sec{display:flex;flex-direction:column;gap:14px}
.policy-sec h2{font-size:clamp(18px,1.6vw,22px)}
.policy-sec p,.policy-sec li{font-size:17px;line-height:1.65}
.policy-sec ul{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:8px}
.policy a{color:var(--navy);text-decoration-color:var(--gold);text-underline-offset:4px}
.quote-box{border:1px solid #BFB4A0;border-radius:4px;background:var(--white)}
.quote-box summary{list-style:none;cursor:pointer;padding:20px 56px 20px 22px;position:relative;display:flex;flex-direction:column;gap:6px}
.quote-box summary::-webkit-details-marker{display:none}
.quote-box summary::after{content:"+";position:absolute;right:22px;top:16px;font-size:26px;font-weight:300;color:var(--bronze)}
.quote-box[open] summary::after{content:"\2212"}
.qs-title{font-size:15px;font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.qs-sub{font-size:14px;line-height:1.5}
.quote-body{padding:4px 22px 24px;display:flex;flex-direction:column;gap:26px;border-top:1px solid #E6DECF}
.qgroup{padding-top:18px !important}
.qgroup legend{color:var(--bronze)}
.form input[type=date]{width:100%;min-height:48px;padding:0 14px;border:1px solid #BFB4A0;border-radius:4px;background:var(--white);color:var(--navy);font-family:var(--font);font-size:16px}

/* v4: language switch spacing and mobile placement */
.lang{align-items:center;gap:0}
.lang a{display:inline-flex;align-items:center;justify-content:center;min-width:40px;min-height:40px;padding:0 4px}
.lang a+a{border-left:1px solid rgba(185,185,185,.35)}
.lang-mobile{display:none}
@media (max-width:980px){
  .header-inner{gap:8px}
  .logo{margin-right:auto}
  .lang-mobile{display:flex;border-left:0;padding:0}
  .nav .lang{display:none}
}
@media (max-width:980px){.nav.open{max-height:calc(100vh - 68px);overflow-y:auto;padding-bottom:110px}}

/* v5: make the optional quote section obvious */
.quote-box{border:0;border-radius:6px;background:var(--white);box-shadow:inset 0 0 0 2px var(--gold);overflow:hidden}
.quote-box summary{flex-direction:row;align-items:center;justify-content:space-between;gap:20px;padding:24px 26px;background:var(--navy);color:var(--white)}
.quote-box summary::after{display:none}
.qs-text{display:flex;flex-direction:column;gap:8px}
.quote-box .qs-title{font-size:19px;font-weight:600;letter-spacing:.02em;text-transform:none;color:var(--gold)}
.quote-box .qs-sub{font-size:15px;line-height:1.5;color:var(--white)}
.qs-btn{flex:none;display:inline-flex;align-items:center;min-height:46px;padding:0 20px;border-radius:5px;background:var(--gold);color:var(--navy);font-size:14px;font-weight:400;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap}
.quote-box summary:hover .qs-btn{background:var(--gold-light)}
.qs-close{display:none}
.quote-box[open] .qs-open{display:none}
.quote-box[open] .qs-close{display:inline}
.quote-box .quote-body{border-top:0;padding-top:8px}
@media (max-width:600px){.quote-box summary{flex-direction:column;align-items:flex-start}.qs-btn{width:100%;justify-content:center}}
.qs-btn{gap:10px}
.qs-chev{transition:transform .2s}
.quote-box[open] .qs-chev{transform:rotate(180deg)}
@media (prefers-reduced-motion:reduce){.qs-chev{transition:none}}