@view-transition{navigation:auto}
:root{
  --bay:#0C3B47; --deep:#072A33; --tide:#2B8397; --foam:#F2F7F7; --sand:#EADFC9; --sun:#F2B53A;
  --ink:#0F2329; --muted:#47606A; --line:#CBD9DC; --white:#FFFFFF;
  --display:"Bricolage Grotesque","Trebuchet MS",system-ui,sans-serif;
  --body:"Instrument Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --wrap:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:400 17px/1.6 var(--body);color:var(--ink);background:var(--foam)}
img,svg{max-width:100%}
a{color:var(--bay)}
:focus-visible{outline:3px solid var(--sun);outline-offset:3px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--display);letter-spacing:-.02em;margin:0}
h1{font-size:clamp(40px,6vw,76px);line-height:1.02;font-weight:700}
h2{font-size:clamp(30px,4vw,46px);line-height:1.08;font-weight:700;max-width:20ch}
h3{font-size:22px;line-height:1.2;font-weight:700}
p{margin:0}
.lede{font-size:19px;color:var(--muted);max-width:60ch;margin-top:16px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;background:var(--white);padding:8px 12px;z-index:60}
section{padding:96px 0}
.alt{background:var(--white)}
[hidden]{display:none!important}

/* header */
.site-head{position:sticky;top:0;z-index:40;background:rgba(7,42,51,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);color:var(--white)}
.site-head .wrap{display:flex;align-items:center;gap:24px;min-height:72px}
.brand{font:700 19px/1 var(--display);color:var(--white);text-decoration:none;margin-right:auto;display:flex;align-items:center;gap:10px}
.brand svg{width:32px;height:32px;flex:none}
.nav{display:flex;gap:6px;align-items:center}
.nav a{color:#D5E4E7;text-decoration:none;font-weight:500;font-size:15px;padding:10px 14px;border-radius:999px}
.nav a:hover{color:var(--white);background:rgba(255,255,255,.08)}
.nav a[aria-current="page"]{color:var(--deep);background:var(--foam)}
.head-quote{color:var(--sun);font-weight:600;white-space:nowrap;text-underline-offset:4px}
.head-quote:hover{color:#F7C557}
.menu-btn{display:none;background:none;border:0;color:var(--white);padding:10px;min-width:44px;min-height:44px;cursor:pointer}
.menu-btn svg{width:24px;height:24px;display:block}
@media (max-width:900px){
  .menu-btn{display:block;order:3}
  .nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--deep);flex-direction:column;align-items:stretch;padding:12px 16px 20px;gap:2px}
  .nav.open{display:flex}
  .nav a{padding:14px 12px;font-size:17px;border-radius:10px}
  .brand span{display:none}
}

.btn{display:inline-block;border:0;border-radius:12px;padding:15px 24px;font:600 16px/1.2 var(--body);text-decoration:none;cursor:pointer;min-height:50px;transition:transform .15s ease,background .15s ease}
.btn:active{transform:scale(.98)}
.btn-sun{background:var(--sun);color:var(--deep)}
.btn-sun:hover{background:#F7C557}
.btn-bay{background:var(--bay);color:var(--white)}
.btn-bay:hover{background:var(--deep)}
.btn-ghost{background:transparent;color:var(--white);box-shadow:inset 0 0 0 2px rgba(255,255,255,.55)}
.btn-ghost:hover{box-shadow:inset 0 0 0 2px var(--white)}
.btn-line{background:transparent;color:var(--bay);box-shadow:inset 0 0 0 2px var(--bay)}
.btn-line:hover{background:var(--bay);color:var(--white)}

/* hero */
.hero{background:var(--bay);color:var(--white);position:relative;overflow:hidden}
.hero .wrap{position:relative;z-index:2;padding-top:80px;padding-bottom:196px;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{max-width:14ch}
.hero-sub{font-size:clamp(18px,2vw,21px);max-width:50ch;margin-top:24px;color:#DCEAEC}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
@media (max-width:980px){.hero .wrap{grid-template-columns:1fr;gap:40px;padding-top:56px}}
.page-hero .wrap{display:block;padding-top:72px;padding-bottom:190px}
.page-hero h1{font-size:clamp(38px,5.4vw,66px);max-width:18ch}
.waves{max-width:none;position:absolute;left:0;bottom:72px;width:200%;height:120px;opacity:.55;z-index:1;animation:drift 22s linear infinite}
.waves.slow{animation-duration:34s;bottom:96px;opacity:.3}
@keyframes drift{to{transform:translateX(-50%)}}
.rail{position:absolute;left:0;right:0;bottom:0;height:72px;display:block;width:100%;z-index:2}
.walk{height:26px;background:var(--sand)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.waves{animation:none}.btn{transition:none}}

/* calculator */
.calc{background:var(--white);color:var(--ink);border-radius:22px;padding:28px;box-shadow:0 24px 60px -24px rgba(3,20,25,.55)}
.calc h2,.calc h3{font-size:20px;max-width:none}
.calc-field{margin-top:20px}
.calc-field label{display:flex;justify-content:space-between;gap:12px;font-weight:500;font-size:15px}
.calc-field output{font:700 17px var(--display);color:var(--bay)}
input[type=range]{width:100%;accent-color:var(--bay);height:32px;margin:4px 0 0;cursor:pointer}
.calc-result{margin-top:24px;padding-top:20px;border-top:1px solid var(--line)}
.calc-result small{display:block;color:var(--muted);font-size:14px}
.calc-num{font:700 clamp(40px,5vw,56px)/1.05 var(--display);color:var(--bay);font-variant-numeric:tabular-nums;margin:4px 0 16px}
.calc-link{display:inline-block;margin-top:14px;font-weight:600}
.calc-full{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.calc-full .calc{box-shadow:none;border:1px solid var(--line)}
.calc-side{position:sticky;top:100px;background:var(--bay);color:var(--white);border-radius:22px;padding:32px}
.calc-side small{color:#B9D2D7}
.calc-side .calc-num{color:var(--sun)}
.bar{display:flex;height:16px;border-radius:999px;overflow:hidden;background:rgba(255,255,255,.15);margin:8px 0 18px}
.bar i{display:block;height:100%;transition:flex-basis .3s ease}
.legend{list-style:none;margin:0 0 8px;padding:0;font-size:15px}
.legend li{display:flex;justify-content:space-between;gap:12px;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:8px;background:var(--c)}
.fine{font-size:13px;color:var(--muted);margin-top:16px;max-width:70ch}
.calc-side .fine{color:#B9D2D7}
@media (max-width:900px){.calc-full{grid-template-columns:1fr}.calc-side{position:static}}

/* coverage rows */
.rows{margin-top:48px;border-top:2px solid var(--ink)}
.row{display:grid;grid-template-columns:.8fr 1.4fr auto;gap:32px;align-items:center;padding:30px 0;border-bottom:1px solid var(--line);text-decoration:none;color:inherit}
.row p{color:var(--muted)}
.row .go{font-weight:600;color:var(--bay);white-space:nowrap;text-decoration:underline;text-underline-offset:4px}
a.row:hover h3{color:var(--tide)}
@media (max-width:800px){.row{grid-template-columns:1fr;gap:8px}}

.steps{list-style:none;padding:0;margin:48px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;counter-reset:s}
.steps.five{grid-template-columns:repeat(5,1fr);gap:20px}
.steps li{counter-increment:s;padding-top:20px;border-top:2px solid var(--bay)}
.steps li::before{content:counter(s);font:700 44px/1 var(--display);color:var(--bay);display:block;margin-bottom:12px}
.steps p{color:var(--muted);margin-top:8px}
.steps.five h3{font-size:19px}
.steps.five p{font-size:16px}
@media (max-width:980px){.steps.five{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.steps,.steps.five{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:32px}}
.plain{list-style:none;margin:0;padding:0}
.plain li{padding:18px 0;border-bottom:1px solid var(--line)}
.plain li:first-child{border-top:1px solid var(--line)}
.plain strong{display:block;font:700 19px/1.25 var(--display)}
.plain span{color:var(--muted)}

.sandy{background:var(--sand)}
.sandy .lede{color:#4C4636}
.perks{list-style:none;margin:0;background:var(--white);border-radius:22px;padding:8px 28px}
.perks li{padding:18px 0;border-bottom:1px solid #E6DCC6}
.perks li:last-child{border-bottom:0}
.perks strong{display:block;font-weight:600}
.perks span{color:var(--muted);font-size:16px}

.band{background:var(--deep);color:var(--white)}
.band .wrap{display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.band h2{max-width:22ch}
.band .lede{color:#C4D9DD}

/* coverage page */
.product{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;padding:56px 0;border-bottom:1px solid var(--line)}
.product:first-of-type{padding-top:0}
.product h2{font-size:clamp(28px,3.4vw,38px)}
.product dl{margin:0}
.product dt{font-weight:600;margin-top:18px}
.product dt:first-child{margin-top:0}
.product dd{margin:4px 0 0;color:var(--muted)}
@media (max-width:860px){.product{grid-template-columns:1fr;gap:20px}}
.table-wrap{overflow-x:auto;margin-top:40px}
table{border-collapse:collapse;width:100%;min-width:640px}
th,td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font:700 18px var(--display);border-bottom:2px solid var(--ink)}
tbody th{font-weight:600;width:24%}
td{color:var(--muted)}

/* quiz */
.quiz{background:var(--bay);color:var(--white);border-radius:26px;padding:clamp(28px,5vw,56px);margin-top:40px}
.quiz h3{font-size:clamp(24px,3vw,32px);max-width:24ch}
.quiz-progress{font-size:14px;color:#B9D2D7;margin-bottom:12px}
.choices{display:grid;gap:12px;margin-top:28px;max-width:640px}
.choice{text-align:left;background:rgba(255,255,255,.08);color:var(--white);border:2px solid rgba(255,255,255,.25);border-radius:14px;padding:18px 20px;font:500 17px/1.35 var(--body);cursor:pointer;min-height:56px;transition:background .15s,border-color .15s}
.choice:hover{background:rgba(255,255,255,.16);border-color:var(--sun)}
.quiz-result p{color:#DCEAEC;max-width:56ch;margin-top:14px;font-size:18px}
.quiz-result .hero-cta{margin-top:28px}
.quiz .linkbtn{background:none;border:0;color:#DCEAEC;text-decoration:underline;text-underline-offset:4px;cursor:pointer;font:inherit;padding:14px 8px}

/* faq */
.faq{margin-top:40px;border-top:2px solid var(--ink);max-width:860px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font:700 20px/1.3 var(--display);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:30px;width:12px;height:12px;border-right:2px solid var(--bay);border-bottom:2px solid var(--bay);transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:36px}
.faq details p{color:var(--muted);padding:0 0 24px;max-width:68ch}

/* forms */
.form{background:var(--white);color:var(--ink);border-radius:22px;padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:18px;border:1px solid var(--line)}
.form .full{grid-column:1/-1}
.form label,.form legend{display:block;font-weight:500;font-size:15px;margin-bottom:6px;padding:0}
.form input:not([type=checkbox]):not([type=radio]),.form select,.form textarea{width:100%;font:inherit;color:inherit;padding:13px 14px;border:1px solid #AFC2C7;border-radius:12px;background:var(--foam);min-height:50px}
.form textarea{min-height:110px;resize:vertical}
.form fieldset{border:0;margin:0;padding:0;min-width:0}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);line-height:1.45;font-weight:400!important}
.consent input{width:20px;height:20px;margin-top:2px;flex:none}
.form-msg{font-weight:500;min-height:1.6em}
.form-msg.err{color:#9B2C1B}
.form-msg.ok{color:#1B6240}
.pick{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.pick label{margin:0;border:2px solid var(--line);border-radius:14px;padding:16px 18px;cursor:pointer;font-weight:600;font-size:16px;display:block}
.pick label small{display:block;font-weight:400;color:var(--muted);font-size:14px;margin-top:2px}
.pick input{position:absolute;opacity:0}
.pick label:has(input:checked){border-color:var(--bay);background:#E4F0F2}
.pick label:has(input:focus-visible){outline:3px solid var(--sun);outline-offset:2px}
.stepper-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.stepper-top b{font:700 22px var(--display)}
.stepper-top span{color:var(--muted);font-size:15px}
.track{height:6px;border-radius:999px;background:var(--line);overflow:hidden;margin-top:10px}
.track i{display:block;height:100%;background:var(--bay);width:33%;transition:width .3s ease}
.step-nav{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.contact-lines{margin-top:28px;font-size:18px;line-height:1.9}
@media (max-width:560px){.form{grid-template-columns:1fr;padding:22px}.pick{grid-template-columns:1fr}}

footer{background:#041C23;color:#A9C2C8;padding:56px 0;font-size:14px;line-height:1.7}
footer strong{color:var(--white);font:700 17px var(--display)}
footer .cols{display:grid;grid-template-columns:1fr auto 1.2fr;gap:48px}
footer a{color:#D5E4E7}
footer nav a{display:block;text-decoration:none;padding:2px 0}
footer nav a:hover{text-decoration:underline}
@media (max-width:760px){footer .cols{grid-template-columns:1fr;gap:28px}}


/* policy cards */
.policies{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;margin-top:48px}
.policy{background:var(--white);padding:40px 40px 48px;box-shadow:10px 10px 0 #C9D6D9}
.pol-ico{width:72px;height:72px;display:block;margin-bottom:36px}
.policy h3{font-size:26px}
.policy p{margin-top:18px;font-size:18px;line-height:1.7}
.policy a{color:#B8420F;text-decoration:none;font-weight:500}
.policy a:hover{text-decoration:underline;text-underline-offset:4px}
@media (max-width:820px){.policies{grid-template-columns:1fr}.policy{padding:32px 28px 40px}}

/* hero start card */
.start-list{display:grid;gap:10px;margin-top:20px}
.start-list a{display:block;text-decoration:none;color:var(--ink);font-weight:600;font-size:17px;padding:14px 18px;border:2px solid var(--line);border-radius:14px;transition:border-color .15s,background .15s}
.start-list a:hover{border-color:var(--bay);background:#E4F0F2}
.start-list small{display:block;font-weight:400;color:var(--muted);font-size:14px;margin-top:2px}

/* bayshore scene */
.sun{position:absolute;left:47%;bottom:30px;width:140px;height:140px;border-radius:50%;background:var(--sun);z-index:0}
.family{position:absolute;left:0;bottom:-2px;width:300px;height:130px;max-width:none;z-index:3;overflow:visible;animation:stroll 75s linear infinite;will-change:transform}
.family .bob{animation:bob .42s ease-in-out infinite alternate}
.family .leg,.family .arm{transform-box:fill-box;transform-origin:50% 0;animation:swing .84s ease-in-out infinite alternate}
.family .leg{--a:22deg}.family .leg.k{--a:26deg;animation-duration:.6s}
.family .arm{--a:-18deg}.family .arm.k{animation-duration:.6s}
.family .b{animation-delay:-.84s}.family .k.b{animation-delay:-.6s}
@keyframes swing{from{transform:rotate(calc(var(--a)*-1))}to{transform:rotate(var(--a))}}
@keyframes bob{to{transform:translateY(-2px)}}
@keyframes stroll{from{transform:translateX(-320px)}to{transform:translateX(100vw)}}
@media (max-width:700px){.sun{width:110px;height:110px;left:58%}.family{width:230px;height:100px;animation-duration:40s}}
@media (prefers-reduced-motion:reduce){.family,.family *{animation:none!important}.family{left:52%}}

/* pause control */
.motion-btn{position:absolute;right:20px;bottom:92px;z-index:4;width:44px;height:44px;display:grid;place-items:center;padding:0;background:transparent;color:rgba(255,255,255,.7);border:1.5px solid rgba(255,255,255,.35);border-radius:50%;cursor:pointer;transition:color .15s,border-color .15s,background .15s}
.motion-btn:hover{color:#fff;border-color:rgba(255,255,255,.8);background:rgba(255,255,255,.08)}
.motion-btn svg{width:20px;height:20px;display:block}
.motion-btn .i-play,.motion-btn[aria-pressed="true"] .i-pause{display:none}
.motion-btn[aria-pressed="true"] .i-play{display:block}
.paused .waves,.paused .family,.paused .family *{animation-play-state:paused!important}
@media (prefers-reduced-motion:reduce){.motion-btn{display:none}}
.consent a{color:var(--bay)}