:root{--ink:#0B1B5E;--ink2:#34457A;--paper:#F1F4FC;--card:#FFFFFF;--gold:#FFC51A;--teal:#1F46D8;--line:#D3DCF2;--bubble-in:#FFFFFF;--bubble-out:#DCF8C6;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 "Public Sans",system-ui,sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:"Bricolage Grotesque",system-ui,sans-serif;line-height:1.08;margin:0;letter-spacing:-.02em}
header.top{background:var(--ink);color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
.brand{font:800 20px "Bricolage Grotesque",sans-serif;text-decoration:none;letter-spacing:-.01em}
nav a{color:#CBD6FF;text-decoration:none;margin-left:20px;font-size:15px}
nav a:hover{color:#fff}
.btn{display:inline-block;background:var(--gold);color:var(--ink);font:600 17px "Public Sans",sans-serif;text-decoration:none;padding:14px 24px;border-radius:999px;border:0;cursor:pointer}
.btn:hover{background:#FFD24D}
.btn.ghost{background:transparent;border:2px solid var(--ink);color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
.hero{background:var(--ink);color:#fff;padding:44px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(40px,6.4vw,72px);font-weight:800}
.hero p.lead{font-size:20px;color:#CBD6FF;max-width:34em;margin:22px 0 30px}
.hero .note{font-size:14px;color:#9EAEE6;margin-top:14px}
.phone{background:#08123F;border-radius:28px;padding:12px;box-shadow:0 0 0 2px #2A3F8F;transform:rotate(1.2deg)}
.phone .bar{display:flex;align-items:center;gap:10px;padding:10px 12px;color:#fff;font-size:15px;font-weight:600}
.phone .dot{width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--ink);display:grid;place-items:center;font:800 15px "Bricolage Grotesque"}
.chat{background:#E9EEFB;border-radius:18px;padding:14px;display:flex;flex-direction:column;gap:10px;min-height:380px}
.b{max-width:84%;padding:9px 12px;border-radius:12px;font-size:15px;line-height:1.45;color:var(--ink);opacity:0;transform:translateY(6px);animation:pop .45s forwards}
.b.in{background:var(--bubble-in);align-self:flex-start;border-top-left-radius:4px}
.b.out{background:var(--bubble-out);align-self:flex-end;border-top-right-radius:4px}
.b small{display:block;color:#5B6A8C;font-size:12px;margin-top:3px}
.pin{display:flex;gap:10px;align-items:center}
.pin i{width:34px;height:34px;border-radius:8px;background:var(--teal);display:block;position:relative}
.pin i:after{content:"";position:absolute;left:11px;top:7px;width:12px;height:12px;border-radius:50% 50% 50% 0;transform:rotate(-45deg);background:#fff}
.btnrow{display:flex;gap:8px;margin-top:8px}
.btnrow span{flex:1;text-align:center;background:#fff;border:1px solid var(--line);border-radius:8px;padding:6px;font-weight:600;color:var(--teal);font-size:14px}
.b:nth-child(1){animation-delay:.3s}.b:nth-child(2){animation-delay:1.1s}.b:nth-child(3){animation-delay:2s}.b:nth-child(4){animation-delay:2.9s}.b:nth-child(5){animation-delay:3.8s}
@keyframes pop{to{opacity:1;transform:none}}
section{padding:72px 0}
section.alt{background:#fff}
h2{font-size:clamp(30px,4.4vw,44px);margin-bottom:12px}
.sub{color:var(--ink2);max-width:38em;margin:0 0 36px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:2px solid var(--ink);border-radius:var(--r);overflow:hidden;counter-reset:s}
.step{padding:26px;border-right:2px solid var(--ink);background:#fff}
.step:last-child{border-right:0}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--gold);font:800 18px "Bricolage Grotesque";margin-bottom:14px}
.step h3{font-size:22px;margin-bottom:8px}
.step p{margin:0;color:var(--ink2)}
.charges{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.price{background:var(--ink);color:#fff;border-radius:var(--r);padding:30px}
.price .big{font:800 56px/1 "Bricolage Grotesque";letter-spacing:-.03em}
.price p{color:#CBD6FF;margin:10px 0 0}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
td,th{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:600;width:48%}
tr:last-child td,tr:last-child th{border-bottom:0}
.rules{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.rule{background:var(--paper);border-radius:var(--r);padding:22px;border-left:6px solid var(--teal)}
.rule h3{font-size:19px;margin-bottom:6px}
.rule p{margin:0;color:var(--ink2);font-size:16px}
.rider{background:var(--gold);padding:72px 0}
.rider .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.rider ul{margin:0;padding-left:20px}
.rider li{margin:8px 0}
.rider .card{background:var(--ink);color:#fff;border-radius:var(--r);padding:28px}
.rider .card p{color:#CBD6FF;margin:8px 0 18px}
.rider .card .btn{background:var(--gold)}
footer{background:var(--ink);color:#CBD6FF;padding:40px 0;font-size:15px}
footer .wrap{display:flex;flex-wrap:wrap;gap:20px 40px;justify-content:space-between}
footer a{color:#fff}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:4px 0}
@media (max-width:820px){
 .hero .wrap,.charges,.rider .grid{grid-template-columns:1fr}
 .steps{grid-template-columns:1fr}.step{border-right:0;border-bottom:2px solid var(--ink)}.step:last-child{border-bottom:0}
 .rules{grid-template-columns:1fr}
 nav a{margin-left:12px}
 .phone{transform:none}
}
@media (prefers-reduced-motion:reduce){.b{animation:none;opacity:1;transform:none}html{scroll-behavior:auto}}

details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin:10px 0;padding:0}
summary{cursor:pointer;padding:16px 20px;font:600 18px "Public Sans",sans-serif;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font:800 22px "Bricolage Grotesque";color:var(--teal);flex:none}
details[open] summary:after{content:"\2212"}
details p{margin:0;padding:0 20px 18px;color:var(--ink2)}
.faq{max-width:760px}
.mana{background:var(--ink);color:#fff;border-radius:var(--r);padding:26px;max-width:760px}
.mana h3{font-size:22px;margin-bottom:8px}.mana p,.mana li{color:#CBD6FF}.mana ul{margin:10px 0 0;padding-left:20px}
.page{padding:56px 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:820px){.two{grid-template-columns:1fr}}
.hero.small{padding:40px 0 48px}.hero.small .wrap{display:block}
.hero.small h1{font-size:clamp(34px,5.2vw,56px)}

nav a{white-space:nowrap}header.top .wrap{flex-wrap:wrap}@media(max-width:560px){nav a{margin-left:14px;font-size:14px}nav{display:flex;flex-wrap:wrap;gap:4px 0}nav a:first-child{margin-left:0}}

/* SBAA agency additions */
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
h1,h2,h3,.brand{font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
.cards{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.pcard{background:#fff;border:2px solid var(--ink);border-radius:var(--r);padding:30px;display:flex;flex-direction:column;gap:14px}
.pcard .tag{align-self:flex-start;background:var(--gold);color:var(--ink);font-weight:700;font-size:13px;padding:4px 12px;border-radius:999px}
.pcard h3{font-size:28px}
.pcard p{margin:0;color:var(--ink2)}
.pcard ul{margin:0;padding-left:20px;color:var(--ink2)}
.pcard .btn{align-self:flex-start;margin-top:auto}
.feat{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.contact{background:var(--ink);color:#fff;border-radius:var(--r);padding:34px;max-width:760px}
.contact p{color:#CBD6FF;margin:8px 0 18px}
.legal{max-width:760px}.legal h2{font-size:24px;margin:30px 0 8px}.legal p,.legal li{color:var(--ink2)}
@media (max-width:820px){.cards,.feat{grid-template-columns:1fr}}