:root{
  --charcoal:#303238;
  --charcoal-dark:#222429;
  --red:#DF1F26;
  --red-dark:#B5161C;
  --white:#FFFFFF;
  --ink:#2E3238;
  --muted:#6E737A;
  --line:#E3E5E8;
  --soft:#F7F7F8;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,Arial,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
.container{width:min(1120px,92%);margin:auto}

header{
  position:sticky;top:0;z-index:20;
  background:rgba(255,255,255,.97);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  min-height:78px;gap:24px;
}
.brand{display:flex;align-items:center}
.brand-logo{
  display:block;
  width:180px;
  height:auto;
  object-fit:contain;
}
nav{
  display:flex;align-items:center;gap:26px;
  font-size:14px;font-weight:600;
}
nav a:hover,nav a.active{color:var(--red)}
.btn{
  display:inline-block;
  background:var(--red);
  color:#fff;
  border:none;
  padding:12px 20px;
  border-radius:6px;
  font-weight:700;
  cursor:pointer;
}
.btn:hover{filter:brightness(.95)}
.btn.outline{background:#fff;color:var(--charcoal);border:1px solid var(--charcoal)}

.eyebrow{
  color:var(--red);
  font-weight:800;
  letter-spacing:.14em;
  text-transform:uppercase;
  font-size:12px;
}
h1,h2,h3{
  font-family:Inter,Arial,sans-serif;
  color:var(--charcoal);
  line-height:1.2;
}
h1{font-size:52px;margin:10px 0 18px;font-weight:800;letter-spacing:-.02em}
h2{font-size:36px;margin:0 0 12px;font-weight:800}
h3{font-size:22px;margin:0 0 10px;font-weight:700}
.lead{font-size:18px;color:#555C64;max-width:650px}
.accent{color:var(--red)}
.accent-line{width:46px;height:3px;background:var(--red);margin:18px 0 26px}

/* Assured hero using Coastal's proven layout mechanics */
.hero.hero-image{
  position:relative;
  min-height:540px;
  padding:0;
  background-image:url('/assets/assured-hero.jpg');
  background-size:cover;
  background-position:center center;
  display:flex;
  align-items:center;
  overflow:hidden;
}
.hero-overlay{
  position:absolute;
  inset:0;
  background:linear-gradient(
    90deg,
    rgba(255,255,255,.97) 0%,
    rgba(255,255,255,.92) 28%,
    rgba(255,255,255,.58) 45%,
    rgba(255,255,255,.12) 62%,
    rgba(255,255,255,0) 100%
  );
}
.hero-content{
  position:relative;
  z-index:2;
  width:min(1120px,92%);
  margin:auto;
}
.hero-copy{max-width:590px}
.hero-image h1{text-shadow:0 1px 0 rgba(255,255,255,.35)}
.hero-image .lead{color:#4C535B;max-width:560px}

.section{padding:76px 0}
.section.soft{background:var(--soft)}
.center{text-align:center}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{
  border:1px solid var(--line);
  border-radius:10px;
  padding:28px;
  background:#fff;
  box-shadow:0 8px 24px rgba(48,50,56,.05);
}
.card p{color:var(--muted);margin-bottom:0}
.icon{
  width:54px;height:54px;border-radius:12px;
  background:#FBE8E9;
  display:grid;place-items:center;
  color:var(--red);
  font-size:26px;font-weight:800;margin-bottom:18px;
}
.band{background:var(--charcoal-dark);color:#fff;padding:58px 0}
.band h2,.band h3{color:#fff}
.band .muted{color:#D6D7DA}
.features{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:30px}
.feature{text-align:center}
.feature .icon{margin:0 auto 14px;background:rgba(255,255,255,.1);color:#fff}
.cta{padding:60px 0;text-align:center}

.page-hero{
  padding:72px 0 42px;
  text-align:center;
  background:linear-gradient(180deg,#FAFAFA,#fff);
}
.two-col{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:start}
.quote-box{
  background:#FFF3F3;
  border-left:4px solid var(--red);
  padding:28px;border-radius:8px;
  font-weight:700;color:var(--charcoal);
}
.stack{display:grid;gap:16px}
.coverage-row{
  display:grid;grid-template-columns:70px 1fr;gap:20px;align-items:start;
  border:1px solid var(--line);border-radius:8px;padding:22px;background:#fff
}
.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:36px}
label{display:block;font-weight:700;margin:14px 0 6px;font-size:14px}
input,textarea{
  width:100%;padding:13px 14px;border:1px solid #CDD1D5;border-radius:6px;font:inherit
}
textarea{min-height:140px;resize:vertical}
.checkbox-row{
  display:grid;grid-template-columns:20px 1fr;gap:10px;align-items:start;
  margin:18px 0;font-size:12px;color:#5C636B
}
.checkbox-row input{width:auto;margin-top:3px}
.info-card{background:var(--soft);padding:28px;border-radius:10px}
.info-card p{margin:8px 0}
.legal{width:min(900px,92%);margin:auto;padding:58px 0 80px}
.legal h2{font-size:20px;margin-top:28px}
.legal p,.legal li{color:#555C64}

footer{background:var(--charcoal-dark);color:#ECEDEF;padding:34px 0 18px}
.footer-grid{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.footer-links{display:flex;gap:18px;font-size:13px}
.footer-meta{
  border-top:1px solid rgba(255,255,255,.15);
  margin-top:24px;padding-top:16px;
  font-size:12px;color:#BFC2C7;
  display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap
}
.footer-brand{
  background:#fff;
  padding:6px 10px;
  border-radius:6px;
  width:max-content;
}
.footer-brand .brand-logo{width:155px}
.mobile-toggle{display:none}

@media(max-width:820px){
  nav{display:none}
  .mobile-toggle{display:block}
  .two-col,.contact-grid{grid-template-columns:1fr}
  h1{font-size:40px}
  .cards{grid-template-columns:1fr}
  .features{grid-template-columns:1fr 1fr}
  .hero.hero-image{
    min-height:560px;
    background-position:68% center;
  }
  .hero-overlay{
    background:linear-gradient(
      90deg,
      rgba(255,255,255,.98) 0%,
      rgba(255,255,255,.93) 58%,
      rgba(255,255,255,.35) 100%
    );
  }
  .hero-copy{max-width:78%}
}
@media(max-width:520px){
  .features{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  h1{font-size:34px}
  .brand-logo{width:145px}
  .hero.hero-image{
    min-height:530px;
    background-position:72% center;
  }
  .hero-copy{max-width:92%}
  .hero-image h1{font-size:36px}
}