:root {
  --ink: #081d33;
  --navy: #0f4c81;
  --cyan: #2fa7e1;
  --aqua: #63d8ee;
  --steel: #a7b0bb;
  --cloud: #f5f7fa;
  --white: #ffffff;
  --line: rgba(255, 255, 255, 0.18);
  --shadow: 0 24px 70px rgba(8, 29, 51, 0.22);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: "Montserrat", Arial, sans-serif;
  background: var(--cloud);
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 20;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 22px;
  min-height: 82px;
  padding: 10px clamp(18px, 4vw, 64px);
  background: linear-gradient(180deg, rgba(8, 29, 51, 0.92), rgba(8, 29, 51, 0.7));
  backdrop-filter: blur(18px);
  color: var(--white);
}

.brand img {
  width: clamp(176px, 17vw, 230px);
  height: 60px;
  object-fit: cover;
  object-position: left center;
  filter: drop-shadow(0 10px 22px rgba(0, 0, 0, 0.34));
}

.site-nav {
  justify-self: end;
  display: flex;
  align-items: center;
  gap: clamp(16px, 2.2vw, 30px);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.site-nav a,
.header-cta {
  transition: color 180ms ease, border-color 180ms ease, background 180ms ease;
}

.site-nav a:hover {
  color: var(--aqua);
}

.header-cta {
  border: 1px solid rgba(99, 216, 238, 0.72);
  border-radius: 6px;
  padding: 10px 16px;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  white-space: nowrap;
}

.header-cta:hover {
  background: var(--cyan);
  border-color: var(--cyan);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 40px;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: 6px;
  background: transparent;
}

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 4px auto;
  background: var(--white);
}

.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  padding: 128px clamp(22px, 6vw, 96px) 88px;
  color: var(--white);
  background-image: url("assets/hero-storm-home.png");
  background-size: cover;
  background-position: center right;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(8, 29, 51, 0.96) 0%, rgba(8, 29, 51, 0.78) 37%, rgba(8, 29, 51, 0.14) 76%),
    linear-gradient(0deg, rgba(8, 29, 51, 0.72), rgba(8, 29, 51, 0.05));
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 660px;
  padding-bottom: 150px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--aqua);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 0.95;
  font-family: "Bebas Neue", Impact, sans-serif;
  font-weight: 400;
  letter-spacing: 0;
}

h1 {
  max-width: 580px;
  font-size: clamp(58px, 9vw, 116px);
}

h2 {
  font-size: clamp(42px, 5.2vw, 72px);
}

h3 {
  font-size: 30px;
}

.hero p:not(.eyebrow) {
  max-width: 590px;
  margin: 22px 0 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(16px, 1.7vw, 20px);
  line-height: 1.6;
  font-weight: 600;
}

.hero-actions,
.hero-card {
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  border-radius: 6px;
  padding: 14px 22px;
  border: 1px solid transparent;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  cursor: pointer;
}

.button.primary {
  background: linear-gradient(135deg, var(--cyan), var(--navy));
  color: var(--white);
  box-shadow: 0 18px 45px rgba(47, 167, 225, 0.26);
}

.button.secondary {
  border-color: rgba(255, 255, 255, 0.36);
  color: var(--white);
}

.hero-card {
  position: absolute;
  left: clamp(22px, 6vw, 96px);
  right: clamp(22px, 6vw, 96px);
  bottom: 30px;
  margin: 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(8, 29, 51, 0.64);
  backdrop-filter: blur(14px);
}

.hero-card span {
  flex: 1 1 160px;
  padding: 12px;
  border-right: 1px solid var(--line);
  color: var(--white);
  font-family: "Bebas Neue", Impact, sans-serif;
  font-size: 24px;
  text-align: center;
  text-transform: uppercase;
}

.hero-card span:last-child {
  border-right: 0;
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: var(--ink);
  color: var(--white);
}

.trust-bar div {
  padding: 26px clamp(22px, 4vw, 52px);
  border-right: 1px solid rgba(255, 255, 255, 0.14);
}

.trust-bar strong,
.trust-bar span {
  display: block;
}

.trust-bar strong {
  font-family: "Bebas Neue", Impact, sans-serif;
  font-size: 28px;
  font-weight: 400;
}

.trust-bar span {
  margin-top: 4px;
  color: rgba(255, 255, 255, 0.68);
  font-size: 13px;
}

.section {
  scroll-margin-top: 96px;
  padding: clamp(72px, 8vw, 118px) clamp(22px, 6vw, 96px);
}

.intro,
.split,
.contact {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(34px, 7vw, 92px);
  align-items: start;
}

.section-copy,
.section-heading {
  max-width: 850px;
}

.intro-text,
.split p,
.contact-panel p {
  font-size: 17px;
  line-height: 1.75;
  color: rgba(8, 29, 51, 0.78);
}

.intro-text p:first-child {
  margin-top: 0;
}

.services {
  background: var(--white);
}

.section-heading {
  margin-bottom: 38px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.service-card {
  min-height: 330px;
  display: flex;
  flex-direction: column;
  padding: 28px;
  border: 1px solid rgba(8, 29, 51, 0.12);
  border-radius: 8px;
  background: var(--cloud);
  box-shadow: 0 14px 36px rgba(8, 29, 51, 0.08);
}

.service-card.is-dark {
  background:
    linear-gradient(145deg, rgba(15, 76, 129, 0.76), rgba(8, 29, 51, 0.98)),
    var(--ink);
  color: var(--white);
}

.service-card p {
  flex: 1;
  margin: 16px 0 26px;
  color: rgba(8, 29, 51, 0.72);
  font-size: 14px;
  line-height: 1.65;
}

.service-card.is-dark p {
  color: rgba(255, 255, 255, 0.76);
}

.service-card a {
  align-self: flex-start;
  color: var(--navy);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.service-card.is-dark a {
  color: var(--aqua);
}

.icon {
  width: 54px;
  height: 54px;
  margin-bottom: 20px;
  border-radius: 8px;
  background: var(--white);
  position: relative;
}

.service-card:not(.is-dark) .icon {
  background: var(--ink);
}

.fire-icon::before,
.water-icon::before,
.storm-icon::before,
.shield-icon::before {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  color: var(--cyan);
  font-family: "Bebas Neue", Impact, sans-serif;
  font-size: 28px;
}

.fire-icon::before {
  content: "F";
}

.water-icon::before {
  content: "W";
}

.storm-icon::before {
  content: "S";
}

.shield-icon::before {
  content: "P";
}

.process {
  background:
    linear-gradient(180deg, rgba(8, 29, 51, 0.95), rgba(8, 29, 51, 0.9)),
    radial-gradient(circle at 20% 0%, rgba(47, 167, 225, 0.3), transparent 36%);
  color: var(--white);
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}

.timeline article {
  padding: 30px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.timeline span {
  display: inline-block;
  margin-bottom: 38px;
  color: var(--aqua);
  font-size: 13px;
  font-weight: 800;
}

.timeline p {
  color: rgba(255, 255, 255, 0.72);
  font-size: 14px;
  line-height: 1.7;
}

.claim-types {
  scroll-margin-top: 96px;
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(0, 1.18fr);
  gap: clamp(32px, 6vw, 80px);
  padding: clamp(72px, 8vw, 118px) clamp(22px, 6vw, 96px);
  background: var(--white);
}

.claim-copy p:not(.eyebrow) {
  font-size: 17px;
  line-height: 1.75;
  color: rgba(8, 29, 51, 0.76);
}

.claim-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  align-content: start;
}

.claim-list span {
  min-height: 58px;
  display: flex;
  align-items: center;
  padding: 14px 16px;
  border: 1px solid rgba(8, 29, 51, 0.12);
  border-radius: 6px;
  background: var(--cloud);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.split {
  background:
    linear-gradient(90deg, rgba(245, 247, 250, 0.98), rgba(245, 247, 250, 0.92)),
    url("assets/action-adjusters-brand-board.png");
  background-size: cover;
  background-position: center;
}

.feature-list {
  display: grid;
  gap: 14px;
}

.feature-list div {
  padding: 24px;
  border-left: 5px solid var(--cyan);
  border-radius: 6px;
  background: var(--white);
  box-shadow: 0 12px 34px rgba(8, 29, 51, 0.09);
}

.feature-list strong,
.feature-list span {
  display: block;
}

.feature-list strong {
  font-family: "Bebas Neue", Impact, sans-serif;
  font-size: 32px;
  font-weight: 400;
}

.feature-list span {
  margin-top: 6px;
  color: rgba(8, 29, 51, 0.7);
  line-height: 1.55;
}

.contact {
  scroll-margin-top: 96px;
  padding: clamp(72px, 8vw, 118px) clamp(22px, 6vw, 96px);
  background: var(--ink);
  color: var(--white);
}

.contact-panel p {
  color: rgba(255, 255, 255, 0.76);
}

.claim-form {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  padding: clamp(20px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
  box-shadow: var(--shadow);
}

.claim-form label {
  display: grid;
  gap: 8px;
  color: rgba(255, 255, 255, 0.86);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.claim-form .full {
  grid-column: 1 / -1;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 6px;
  padding: 14px;
  color: var(--white);
  background: rgba(0, 0, 0, 0.24);
  font: inherit;
}

select option {
  color: var(--ink);
}

textarea {
  resize: vertical;
}

.site-footer {
  display: grid;
  justify-items: center;
  gap: 16px;
  padding: 44px 22px;
  color: var(--white);
  text-align: center;
  background: #061525;
}

.site-footer img {
  width: 230px;
}

.site-footer p {
  margin: 0;
  font-family: "Bebas Neue", Impact, sans-serif;
  font-size: 32px;
}

.site-footer nav {
  display: flex;
  gap: 22px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.site-footer small {
  color: rgba(255, 255, 255, 0.5);
}

@media (max-width: 1050px) {
  .site-header {
    grid-template-columns: auto auto;
  }

  .menu-toggle {
    justify-self: end;
    display: block;
  }

  .header-cta {
    display: none;
  }

  .site-nav {
    grid-column: 1 / -1;
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding-top: 12px;
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 14px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
  }

  .service-grid,
  .timeline {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 780px) {
  .hero {
    min-height: 860px;
    align-items: flex-start;
    padding-top: 116px;
    background-position: 62% center;
  }

  .hero-content {
    padding-bottom: 220px;
  }

  .hero-overlay {
    background:
      linear-gradient(180deg, rgba(8, 29, 51, 0.97) 0%, rgba(8, 29, 51, 0.86) 48%, rgba(8, 29, 51, 0.42) 100%),
      linear-gradient(90deg, rgba(8, 29, 51, 0.4), rgba(8, 29, 51, 0.18));
  }

  .hero-card span {
    flex-basis: calc(50% - 8px);
    border-right: 0;
  }

  .trust-bar,
  .intro,
  .split,
  .contact,
  .claim-types {
    grid-template-columns: 1fr;
  }

  .trust-bar div {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }

  .claim-list {
    grid-template-columns: repeat(2, 1fr);
  }

  .claim-form {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  .brand img {
    width: 160px;
    height: 54px;
  }

  h1 {
    font-size: 60px;
  }

  h2 {
    font-size: 42px;
  }

  .hero {
    min-height: 920px;
  }

  .hero-content {
    padding-bottom: 250px;
  }

  .hero-actions .button,
  .claim-list span {
    width: 100%;
  }

  .hero-card {
    bottom: 22px;
  }

  .service-grid,
  .timeline,
  .claim-list {
    grid-template-columns: 1fr;
  }

  .service-card {
    min-height: auto;
  }
}