@import url('https://fonts.googleapis.com/css2?family=Libre+Baskerville:wght@400;700&family=Raleway:wght@400;500;600;700;800;900&display=swap');
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
:root{--black:#0a0a0a;--gold:#d4960a;--gold2:#f0b429;--offwhite:#fafaf8;--warm:#f5f2ec;--text:#1a1a1a;--muted:#6b6560;--border:#e4dfd8;--red:#b91c1c}
body{font-family:'Raleway',sans-serif;background:var(--offwhite);color:var(--text);overflow-x:hidden}
a{text-decoration:none;color:inherit}

/* NAV */
.nav{background:var(--black);position:sticky;top:0;z-index:200}
.nav-wrap{max-width:1200px;margin:0 auto;padding:0 40px;height:66px;display:flex;align-items:center;justify-content:space-between}
.logo{font-family:'Libre Baskerville',serif;font-size:1.2rem;color:var(--offwhite);letter-spacing:.02em;line-height:1.2}
.logo em{color:var(--gold);font-style:normal;display:block;font-size:.75rem;letter-spacing:.2em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:32px}
.nav-links a{font-size:.78rem;font-weight:700;color:rgba(255,255,255,.5);letter-spacing:.08em;text-transform:uppercase;transition:color .15s}
.nav-links a:hover{color:#fff}
.nav-cta{border:1.5px solid var(--gold);color:var(--gold)!important;padding:8px 20px;border-radius:3px}

/* HERO */
.hero{background:var(--black);min-height:100vh;display:flex;align-items:stretch;position:relative;overflow:hidden}
.hero::before{content:'NATIONWIDE';position:absolute;bottom:-40px;left:-20px;font-family:'Libre Baskerville',serif;font-size:18vw;font-weight:700;color:rgba(255,255,255,.025);line-height:1;pointer-events:none;white-space:nowrap}
.hero-layout{max-width:1200px;width:100%;margin:0 auto;padding:100px 40px 60px;display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}
@media(max-width:900px){.hero-layout{grid-template-columns:1fr;padding:80px 32px 48px}}
.hero-kicker{display:flex;align-items:center;gap:12px;margin-bottom:24px}
.hero-kicker span{font-size:.68rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.hero-kicker::before{content:'';width:40px;height:1px;background:var(--gold)}
.hero h1{font-family:'Libre Baskerville',serif;font-size:clamp(3rem,5.5vw,5rem);color:#fff;line-height:1.05;margin-bottom:24px;letter-spacing:-.01em}
.hero h1 strong{color:var(--gold)}
.hero-body{color:rgba(255,255,255,.6);font-size:1rem;max-width:480px;margin-bottom:36px;line-height:1.8;border-left:2px solid var(--gold);padding-left:20px}
.hero-badges{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:40px}
.hbadge{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.7);padding:7px 14px;border-radius:3px;font-size:.75rem;font-weight:700;letter-spacing:.06em}
.btn-gold{display:inline-block;background:var(--gold);color:var(--black);padding:15px 36px;border-radius:3px;font-weight:900;font-size:1rem;letter-spacing:.06em;text-transform:uppercase;transition:all .2s}
.btn-gold:hover{background:var(--gold2);transform:translateY(-2px)}

/* FORM CARD */
.quote-form{background:var(--offwhite);border-radius:6px;padding:36px}
.qf-badge{font-size:.68rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;display:flex;align-items:center;gap:8px}
.qf-badge::before{content:'';width:24px;height:1px;background:var(--gold)}
.qf-title{font-family:'Libre Baskerville',serif;font-size:1.6rem;color:var(--black);margin-bottom:24px;line-height:1.25}
.ff{margin-bottom:14px}
.ff label{display:block;font-size:.65rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);margin-bottom:7px}
.ff select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:3px;font-family:inherit;font-size:.9rem;color:var(--text);background:#fff;outline:none;transition:border-color .2s}
.ff select:focus{border-color:var(--gold)}
.ff-btn{width:100%;background:var(--black);color:#fff;padding:14px;border:none;border-radius:3px;font-family:inherit;font-size:.92rem;font-weight:800;cursor:pointer;letter-spacing:.08em;text-transform:uppercase;margin-top:6px;transition:background .2s}
.ff-btn:hover{background:#222}
.ff-note{font-size:.7rem;color:var(--muted);text-align:center;margin-top:8px}

/* GOLD RULE */
.rule{background:var(--gold);height:4px}

/* COVERAGE TYPES */
.coverage{padding:88px 40px;background:var(--warm)}
.coverage-inner{max-width:1200px;margin:0 auto}
.sec-rule{display:flex;align-items:center;gap:16px;margin-bottom:10px}
.sec-rule::before,.sec-rule::after{content:'';flex:1;height:1px;background:var(--border)}
.sec-rule span{font-size:.68rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);white-space:nowrap}
.sec-h{font-family:'Libre Baskerville',serif;font-size:clamp(2rem,4vw,3rem);color:var(--black);text-align:center;margin-bottom:12px;margin-top:14px}
.sec-sub{color:var(--muted);text-align:center;font-size:.95rem;max-width:520px;margin:0 auto 52px;line-height:1.7}
.cov-mosaic{display:grid;grid-template-columns:repeat(3,1fr);grid-template-rows:auto;gap:16px}
@media(max-width:800px){.cov-mosaic{grid-template-columns:1fr}}
.cov-card{background:#fff;border:1.5px solid var(--border);padding:32px;border-radius:4px;transition:all .2s;position:relative;overflow:hidden}
.cov-card::before{content:'';position:absolute;top:0;left:0;width:100%;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.cov-card:hover{box-shadow:0 12px 40px rgba(0,0,0,.08);transform:translateY(-3px)}
.cov-card:hover::before{transform:scaleX(1)}
.cov-card.featured{grid-column:span 2;background:var(--black);border-color:var(--black)}
@media(max-width:800px){.cov-card.featured{grid-column:span 1}}
.cov-ico{font-size:2rem;margin-bottom:16px}
.cov-card h3{font-family:'Libre Baskerville',serif;font-size:1.15rem;margin-bottom:10px;color:var(--black)}
.cov-card.featured h3{color:var(--gold)}
.cov-card p{font-size:.85rem;color:var(--muted);line-height:1.65}
.cov-card.featured p{color:rgba(255,255,255,.6)}

/* STATS */
.stats-row{background:var(--black);padding:56px 40px}
.stats-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center}
@media(max-width:640px){.stats-inner{grid-template-columns:repeat(2,1fr)}}
.st span{display:block;font-family:'Libre Baskerville',serif;font-size:2.6rem;color:var(--gold);margin-bottom:6px}
.st p{font-size:.72rem;font-weight:800;color:rgba(255,255,255,.4);text-transform:uppercase;letter-spacing:.1em}

/* TESTIMONIALS */
.testimonials{padding:88px 40px}
.testimonials-inner{max-width:1200px;margin:0 auto}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
@media(max-width:800px){.testi-grid{grid-template-columns:1fr}}
.tcard{background:var(--warm);border-radius:4px;padding:32px;border-bottom:3px solid var(--gold)}
.tcard-quote{font-family:'Libre Baskerville',serif;font-size:3rem;color:var(--gold);line-height:.8;margin-bottom:12px;opacity:.4}
.tcard blockquote{font-size:.9rem;color:var(--text);line-height:1.75;font-style:italic;margin-bottom:16px}
.tcard cite{font-size:.78rem;font-weight:800;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}

/* CTA */
.cta{background:var(--gold);padding:80px 40px;text-align:center}
.cta h2{font-family:'Libre Baskerville',serif;font-size:clamp(2rem,4vw,3rem);color:var(--black);margin-bottom:14px}
.cta p{font-size:1rem;color:rgba(0,0,0,.6);margin-bottom:36px}
.btn-dark{display:inline-block;background:var(--black);color:#fff;padding:15px 44px;border-radius:3px;font-weight:900;font-size:1rem;letter-spacing:.08em;text-transform:uppercase;transition:all .2s}
.btn-dark:hover{background:#222;transform:translateY(-2px)}

/* FOOTER */
.footer{background:var(--black);color:rgba(255,255,255,.4);padding:56px 40px 0}
.fg{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.07)}
@media(max-width:700px){.fg{grid-template-columns:1fr}}
.fb-logo{font-family:'Libre Baskerville',serif;color:#fff;font-size:1.1rem}
.fb-logo em{color:var(--gold);font-style:normal;display:block;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase}
.fb p{font-size:.83rem;margin-top:12px;max-width:280px;line-height:1.7;color:rgba(255,255,255,.3)}
.fc h4{font-size:.65rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.fc a{display:block;font-size:.83rem;margin-bottom:10px;color:rgba(255,255,255,.4);transition:color .15s}
.fc a:hover{color:#fff}
.fbot{max-width:1200px;margin:0 auto;padding:22px 0;font-size:.7rem;color:rgba(255,255,255,.15)}
.fbot a{color:rgba(255,255,255,.2)}
.disc{margin-top:5px}
.page-header{background:var(--black);padding:110px 40px 56px;text-align:center}
.page-header h1{font-family:'Libre Baskerville',serif;font-size:clamp(2rem,4vw,3rem);color:#fff;margin-bottom:6px}
.page-header p{color:rgba(255,255,255,.4)}
.content-body{max-width:860px;margin:0 auto;padding:60px 40px}
.content-body h2{font-family:'Libre Baskerville',serif;font-size:1.4rem;color:var(--black);margin:36px 0 12px;padding-left:14px;border-left:3px solid var(--gold)}
.content-body p,.content-body li{font-size:.95rem;color:var(--muted);line-height:1.8;margin-bottom:12px}
.content-body ul{padding-left:20px}
/* Embed form wrapper */
.embed-form-wrap{width:100%;min-height:80px;margin:8px 0 4px}
.embed-form-wrap>*{width:100%!important}