/* Velinsurance and Financial Services -- site styles. Colours come from the logo. */
  :root {
    --navy: #0b2545; --blue: #1747a6; --green: #3c9a3a; --lime: #8cc63f; --gold: #f2b705;
    --ink: #14212f; --muted: #556677; --mist: #f2f6f3; --line: #dbe3dd; --paper: #ffffff;
    --serif: Merriweather, Georgia, "Times New Roman", serif;
    --sans: Lato, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
    --label: Montserrat, -apple-system, "Segoe UI", Arial, sans-serif;
  }
  * { box-sizing: border-box; }
  body { margin: 0; background: var(--paper); color: var(--ink); font: 17px/1.6 var(--sans); }
  a { color: var(--blue); }
  img { max-width: 100%; }
  h1, h2, h3 { font-family: var(--serif); line-height: 1.2; text-wrap: balance; margin: 0; color: var(--navy); }
  h1 { font-size: clamp(28px, 4vw, 42px); font-weight: 900; }
  h2 { font-size: clamp(25px, 3.4vw, 34px); }
  h3 { font-size: 20px; }
  p { margin: 0; }
  .wrap { max-width: 1120px; margin: 0 auto; padding-inline: 20px; }
  .eyebrow { font: 700 12.5px/1.3 var(--label); letter-spacing: .14em; text-transform: uppercase; color: var(--green); }
  .lede { font-size: 19px; color: var(--muted); max-width: 60ch; }
  .btn {
    display: inline-flex; align-items: center; gap: 8px; padding: 13px 22px; border-radius: 6px;
    font: 700 15px/1 var(--label); text-decoration: none; border: 2px solid transparent; cursor: pointer;
  }
  .btn.primary { background: var(--green); color: #fff; }
  .btn.primary:hover { background: #2f7f2d; }
  .btn.outline { border-color: currentColor; color: var(--navy); background: transparent; }
  .btn.light { background: #fff; color: var(--navy); }
  .btn:focus-visible, .tab:focus-visible, summary:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
  .btns { display: flex; flex-wrap: wrap; gap: 12px; }

  /* site header */
  .site-head { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: env(safe-area-inset-top, 0px); z-index: 5; }
  .site-head .wrap { display: flex; align-items: center; gap: 20px; padding-block: 10px; flex-wrap: wrap; }
  .site-head img { height: 58px; width: auto; display: block; }
  .nav { display: flex; flex-wrap: wrap; gap: 4px 22px; margin-left: auto; align-items: center; font: 600 14.5px/1 var(--label); }
  .nav a { color: var(--navy); text-decoration: none; padding-block: 8px; }
  .nav > a.on, .dd-btn.on { color: var(--green); box-shadow: inset 0 -2px 0 var(--green); }
  .dd { position: relative; }
  .dd-btn { background: none; border: 0; padding: 8px 0; font: inherit; color: var(--navy); cursor: pointer; }
  .dd-menu {
    position: absolute; top: 100%; left: -14px; min-width: 190px; padding: 6px 0; background: #fff; z-index: 6;
    border: 1px solid var(--line); border-radius: 6px; box-shadow: 0 12px 30px rgba(11,37,69,.14); display: none;
  }
  .dd:hover .dd-menu, .dd:focus-within .dd-menu, .dd.open .dd-menu { display: grid; }
  .dd-menu a { padding: 11px 16px; }
  .dd-menu a:hover, .dd-menu a.on { background: var(--mist); color: var(--green); }

  /* hero: echoes the swoosh on the business card */
  .hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
  .hero .wrap { position: relative; padding-block: 36px 76px; display: grid; gap: 18px; max-width: 1120px; }
  .hero h1 { color: #fff; max-width: 17ch; }
  .hero .lede { color: #c8d6e8; }
  .hero .eyebrow { color: var(--lime); }
  .hero svg.wave { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 64px; display: block; }
  .hero.small .wrap { padding-block: 32px 70px; }
  .hero .hero-grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: 44px; align-items: center; }
  .hero-text { display: grid; gap: 16px; align-content: center; }
  .hero-img {
    width: 100%; aspect-ratio: 16 / 9; object-fit: cover; border-radius: 12px; display: block;
    box-shadow: 0 24px 50px rgba(0, 0, 0, .35); outline: 6px solid rgba(255, 255, 255, .08);
  }
  @media (max-width: 860px) { .hero .hero-grid { grid-template-columns: 1fr; gap: 28px; } }
  .hero-steps { background: #fff; color: var(--ink); border-radius: 12px; padding: 22px 26px; display: grid; gap: 10px; box-shadow: 0 24px 50px rgba(0, 0, 0, .3); }
  .hero-steps .eyebrow { color: var(--green); }
  .hero-steps h2 { font-size: clamp(22px, 2.4vw, 27px); }
  .hero-steps .steps { grid-template-columns: 1fr; gap: 12px; margin-top: 2px; }
  .hero-steps .step { grid-template-columns: 40px 1fr; gap: 2px 14px; }
  .hero-steps .step::before { grid-row: span 2; width: 40px; height: 40px; font-size: 16px; }
  .hero-steps .step h3 { font-size: 17px; align-self: center; }
  .hero-steps .step p { font-size: 15.5px; }
  .hero-steps .step-head { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; }
  .btn.small { padding: 8px 14px; font-size: 13px; border-radius: 5px; }
  .hero .btn.outline { color: #fff; }

  section { padding-block: 64px; }
  section.mist { background: var(--mist); }
  .head { display: grid; gap: 12px; margin-bottom: 36px; max-width: 760px; }

  .facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 0; border: 1px solid var(--line); border-radius: 8px; background: #fff; margin-top: -60px; position: relative; }
  .fact { padding: 22px 24px; display: grid; gap: 4px; }
  .fact + .fact { border-left: 1px solid var(--line); }
  .fact b { font: 900 30px/1.1 var(--serif); color: var(--navy); font-variant-numeric: tabular-nums; }
  .fact span { color: var(--muted); font-size: 15px; }
  @media (max-width: 720px) { .fact + .fact { border-left: 0; border-top: 1px solid var(--line); } }

  .steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 28px; counter-reset: s; }
  .step { display: grid; gap: 10px; align-content: start; }
  .step::before {
    counter-increment: s; content: counter(s); width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center;
    font: 900 18px/1 var(--serif); color: #fff; background: var(--blue);
  }
  .step p, .card p, .why p { color: var(--muted); }

  .cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 18px; }
  .card { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 26px; display: grid; gap: 12px; align-content: start; }
  .card svg { width: 46px; height: 46px; }
  .card a { font: 700 14.5px/1 var(--label); text-decoration: none; color: var(--green); margin-top: 4px; }

  .split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: start; }
  @media (max-width: 820px) { .split { grid-template-columns: 1fr; gap: 28px; } }
  .why { display: grid; gap: 22px 40px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
  .why > .head { grid-column: 1 / -1; }
  .why > div:not(.head) { align-content: start; display: grid; grid-template-columns: 28px 1fr; gap: 4px 12px; }
  .why > div:not(.head)::before { content: "\2713"; grid-row: span 2; color: var(--green); font-weight: 700; font-size: 20px; line-height: 1.3; }
  .why b { color: var(--navy); }

  table.compare { width: 100%; border-collapse: collapse; font-size: 15.5px; background: #fff; border: 1px solid var(--line); }
  .compare th, .compare td { padding: 12px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
  .compare th { font: 700 13px/1.3 var(--label); letter-spacing: .06em; text-transform: uppercase; color: var(--muted); background: var(--mist); }
  .compare td:first-child { font-weight: 700; color: var(--navy); white-space: nowrap; }
  .scroll { overflow-x: auto; }

  .carriers { display: flex; flex-wrap: wrap; gap: 10px 28px; font: 700 20px/1.3 var(--serif); color: var(--navy); }
  .carriers span { opacity: .85; }

  .band { background: linear-gradient(100deg, var(--blue), var(--green)); color: #fff; border-radius: 10px; padding: 40px; display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-between; }
  .band h2 { color: #fff; }
  .band p { color: #e6f0ff; margin-top: 8px; max-width: 52ch; }

  details { border-bottom: 1px solid var(--line); }
  details:first-of-type { border-top: 1px solid var(--line); }
  summary { cursor: pointer; padding: 18px 0; font: 700 17px/1.4 var(--sans); color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
  summary::after { content: "+"; font: 400 24px/1 var(--sans); color: var(--green); }
  details[open] summary::after { content: "\2212"; }
  details p { padding: 0 0 18px; color: var(--muted); max-width: 70ch; }

  .cov { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 0; border-top: 1px solid var(--line); }
  .cov div { padding: 18px 0; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 52px 1fr; gap: 2px 12px; padding-right: 20px; }
  .cov b { grid-row: span 2; font: 900 22px/1.2 var(--serif); color: var(--blue); }
  .cov strong { color: var(--navy); }
  .cov span { color: var(--muted); font-size: 15.5px; }

  .list { display: grid; gap: 10px; padding: 0; margin: 0; list-style: none; }
  .list li { padding-left: 26px; position: relative; }
  .list li::before { content: ""; position: absolute; left: 0; top: .62em; width: 12px; height: 3px; background: var(--green); border-radius: 2px; }

  .contact-rows { display: grid; gap: 14px; }
  .contact-rows div { display: grid; grid-template-columns: 110px 1fr; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
  .contact-rows span { font: 700 12.5px/1.6 var(--label); letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }

  footer.site-foot { background: var(--navy); color: #c8d6e8; padding-block: 48px 28px; font-size: 15px; }
  .foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
  @media (max-width: 760px) { .foot-grid { grid-template-columns: 1fr; } }
  .site-foot h4 { font: 700 12.5px/1 var(--label); letter-spacing: .12em; text-transform: uppercase; color: #fff; margin: 0 0 14px; }
  .site-foot a { color: #fff; text-decoration: none; }
  .site-foot .fine { border-top: 1px solid #23406a; margin-top: 32px; padding-top: 18px; font-size: 13px; color: #8fa6c2; }
  .site-foot .stack { display: grid; gap: 8px; }

  /* Contact page: the chat fills the screen below the header, so its Send button is always visible */
  section.upload-page { padding-block: 16px 40px; }
  .upload-grid { display: grid; max-width: 560px; margin-inline: auto; }   /* the chat is 560 px wide at most */
  .upload-col { display: grid; gap: 10px; }
  .upload-title { display: grid; gap: 2px; }
  .upload-title h1 { font-size: clamp(22px, 2.6vw, 28px); }
  .upload-frame {
    width: 100%; border: 0; display: block; background: #fff;
    height: calc(100svh - 190px); min-height: 430px; max-height: 720px;
  }
  @media (max-width: 820px) {
    .upload-frame { height: calc(100svh - 172px); }
  }
  /* Phones: a compact header that scrolls away, so it doesn't take space from the page */
  @media (max-width: 640px) {
    .site-head { position: static; }
    .site-head .wrap { gap: 6px 14px; padding-block: 6px; }
    .site-head img { height: 40px; }
    .nav { gap: 2px 16px; margin-left: 0; font-size: 13.5px; width: 100%; }
    .nav .btn.primary { display: none; }
  }
  .upload-fallback { border: 1px solid var(--line); border-radius: 12px; padding: 26px; display: grid; gap: 12px; background: var(--mist); }
  .skip { position: absolute; left: -9999px; } .skip:focus { left: 16px; top: 16px; z-index: 10; background: #fff; padding: 8px 12px; }
  /* Home banner: "Book a call" with round WhatsApp / phone / email buttons, kept together on one line */
  .call-row { display: flex; align-items: center; gap: 14px; flex-wrap: nowrap; }
  .reach { display: flex; gap: 10px; align-items: center; }
  .icon-btn {
    width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; color: #fff;
    border: 2px solid rgba(255, 255, 255, .55); transition: background .15s, border-color .15s;
  }
  .icon-btn svg { width: 22px; height: 22px; }
  .reach-label { font: 700 13px/1 var(--label); letter-spacing: .1em; text-transform: uppercase; color: #c8d6e8; margin-right: 2px; }
  .icon-btn:hover { background: var(--green); border-color: var(--green); }
  .icon-btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
  @media (max-width: 420px) {
    .call-row { gap: 10px; }
    .hero .btns .btn.outline { padding-inline: 14px; }
    .reach { gap: 8px; }
    .icon-btn { width: 42px; height: 42px; }
    .icon-btn svg { width: 20px; height: 20px; }
    .reach-label { font-size: 12px; letter-spacing: .06em; }
  }
  @media (max-width: 370px) { .reach-label { font-size: 11px; letter-spacing: .04em; } .icon-btn { width: 38px; height: 38px; } }