:root{
  --ink:#0b2340; --muted:#5a6b7b;
  --shadow: 0 10px 25px rgba(0,0,0,.10);
  --radius: 16px;
}

*{ box-sizing:border-box; }

body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--ink);
  background: radial-gradient(1200px 600px at 20% 10%, #243b55 0%, #141e30 55%, #0b1020 100%);
  min-height:100vh;
}

body::before, body::after{
  content:"";
  position:fixed;
  top:0; bottom:0;
  width:18vw;
  max-width:240px;
  pointer-events:none;
  z-index:0;
  opacity:.55;
}
body::before{
  left:0;
  background: radial-gradient(closest-side at 30% 30%, rgba(255,255,255,.14), rgba(255,255,255,0));
}
body::after{
  right:0;
  background: radial-gradient(closest-side at 70% 30%, rgba(255,255,255,.10), rgba(255,255,255,0));
}

.wrap{ max-width: 1100px; margin: 0 auto; padding: 28px 16px 48px; position:relative; z-index:1; }

.header{
  display:flex; gap:16px; align-items:flex-start; justify-content:space-between;
  padding:18px 18px; background: rgba(255,255,255,.92);
  border-radius: var(--radius); box-shadow: var(--shadow); backdrop-filter: blur(8px);
  flex-wrap:wrap;
}
.brand{ display:flex; gap:14px; align-items:flex-start; flex:1 1 640px; min-width: 280px; }
.logoBox{ flex:0 0 auto; width: clamp(110px, 16vw, 170px); }
.logoBox svg{ width: 100%; height:auto; display:block; }
.brandText{ flex:1 1 420px; min-width:240px; }
.brandText h1{ margin:0; font-size: 20px; line-height: 1.2; }
.brandText p{ margin:8px 0 0; line-height:1.4; }

.langToggle{
  display:flex; gap:10px; align-items:center;
  padding:10px 12px; border-radius: 999px; background:#fff;
  box-shadow: 0 4px 14px rgba(0,0,0,.06);
  flex: 0 0 auto;
}
.muted{ color: var(--muted); font-size: 13px; }

.switch{ width:48px;height:28px;border-radius:20px;background:#d7dde5; position:relative; cursor:pointer; }
.knob{ width:22px;height:22px;border-radius:50%; background:#fff; position:absolute; top:3px; left:3px;
  transition: all .2s ease; box-shadow: 0 4px 10px rgba(0,0,0,.15); }
.switch.on{ background:#0b2340; } .switch.on .knob{ left:23px; }

.hero{
  margin-top:18px;
  display:grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap:14px;
}

.heroLeft, .heroRight{
  background: rgba(255,255,255,.93);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
}

.headline{ margin:0; font-size: 22px; line-height: 1.2; }
.lead{ margin:10px 0 0; color: var(--muted); line-height:1.55; }

.ctaRow{ display:flex; flex-wrap:wrap; gap:10px; margin-top: 14px; }
.btn{
  display:inline-flex;
  align-items:center;
  padding: 12px 14px;
  border-radius: 14px;
  border: 1px solid #dfe6ef;
  background:#fff;
  font-weight: 900;
  color:#0b2340;
  text-decoration:none;
}
.btn.primary{
  background:#0b2340;
  color:#fff;
  border-color:#0b2340;
  box-shadow: 0 10px 24px rgba(11,35,64,.18);
}
.btn.ghost{
  background: transparent;
  border-color: rgba(223,230,239,.9);
}

.miniNote{ margin-top: 12px; font-size: 12px; color: var(--muted); }

.infoCard{
  border-radius: 16px;
  border: 1px solid #e6ebf2;
  background: rgba(255,255,255,.92);
  padding: 14px;
}
.infoTitle{ font-weight: 900; font-size: 13px; margin-bottom: 8px; }
.infoList{ margin:0; padding-left: 18px; color: var(--muted); line-height: 1.55; font-size: 13px; }

.grid4{
  margin-top: 14px;
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap:14px;
}
.card{
  background: rgba(255,255,255,.93);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 16px;
}
.cardIcon{ font-size: 18px; }
.card h3{ margin: 10px 0 6px; font-size: 16px; }
.card p{ margin:0; line-height:1.5; }

.footer{
  margin-top: 18px;
  background: rgba(255,255,255,.92);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 14px 18px;
  display:flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap:wrap;
  color: var(--muted);
  font-size: 13px;
}
.footerLinks{ display:flex; gap:12px; flex-wrap:wrap; }
.footer a{ color: var(--ink); text-decoration:none; font-weight: 800; border-bottom:1px dashed rgba(11,35,64,.25); }

@media(max-width: 980px){
  .hero{ grid-template-columns: 1fr; }
  .grid4{ grid-template-columns: 1fr 1fr; }
}
@media(max-width: 560px){
  .grid4{ grid-template-columns: 1fr; }
}


.toolDisclaimer{ margin-top: 8px; font-size: 12px; opacity: .9; }


/* === Frank Insurance Orange + Blue Theme Override === */
:root{
  --fi-theme-blue-soft:#eaf6ff;
  --fi-theme-blue-mist:#dcefff;
  --fi-theme-orange-soft:#fff3e3;
  --fi-theme-orange-mist:#ffe6c7;
  --fi-theme-cream:#fffaf3;
  --fi-theme-navy:#0b2340;
}

body{
  background:
    radial-gradient(circle at 12% 8%, rgba(255,230,199,.78), transparent 32%),
    radial-gradient(circle at 88% 12%, rgba(220,239,255,.88), transparent 34%),
    linear-gradient(135deg, var(--fi-theme-blue-soft) 0%, var(--fi-theme-cream) 47%, var(--fi-theme-orange-soft) 100%) !important;
}

body::before{
  background:
    linear-gradient(135deg, rgba(11,35,64,.04), rgba(255,154,61,.06)),
    radial-gradient(circle at 78% 28%, rgba(255,198,128,.18), transparent 28%),
    radial-gradient(circle at 20% 82%, rgba(115,185,255,.18), transparent 30%) !important;
}

.card,
.panel,
.formCard,
.summaryBar,
.stepBar,
.trustStrip,
.modal,
.glass,
.heroCard,
.homeShell,
.hero,
.homeCard,
.productCard,
.productsCard,
.quickCard{
  background:rgba(255,255,255,.88) !important;
  border-color:rgba(11,35,64,.10) !important;
  box-shadow:0 18px 44px rgba(11,35,64,.10) !important;
}

.badge,
.trustBadge,
.pill,
.chip,
.kicker,
.miniBadge{
  background:linear-gradient(135deg, rgba(234,246,255,.94), rgba(255,243,227,.94)) !important;
  border-color:rgba(11,35,64,.10) !important;
}

button.primary,
.btn.primary,
.submitBtn,
.cta.primary,
.ctaPrimary,
.primary,
button[type="submit"]{
  background:linear-gradient(135deg, #0b2340, #225f93) !important;
}

button.secondary,
.btn.secondary,
.cta.secondary,
.ctaSecondary,
.secondary{
  background:linear-gradient(135deg, rgba(255,255,255,.96), rgba(255,243,227,.92)) !important;
  border-color:rgba(11,35,64,.14) !important;
}

input:focus,
select:focus,
textarea:focus{
  border-color:#225f93 !important;
  box-shadow:0 0 0 4px rgba(34,95,147,.13) !important;
}

.seoHomeBlock{ margin-top:18px; padding:24px; }
.seoHomeBlock h2{ margin:0 0 10px; font-size:clamp(22px,3vw,32px); letter-spacing:-.025em; color:#0b2340; }
.seoHomeBlock p{ max-width:880px; line-height:1.7; }
.seoHomeBlock .btn{ margin-top:10px; }


/* === Professional logo + visual marketing integration === */
.logoBox .professionalLogo{
  width:100%;
  height:auto;
  display:block;
  filter:drop-shadow(0 12px 24px rgba(11,35,64,.12));
}

.heroBrandVisual{
  display:block;
  margin-bottom:14px;
  border-radius:24px;
  overflow:hidden;
  border:1px solid rgba(11,35,64,.10);
  box-shadow:0 18px 42px rgba(11,35,64,.12);
  background:#fff;
}
.heroBrandVisual img{
  width:100%;
  height:auto;
  display:block;
}

.visualServices{
  margin-top:18px;
  padding:26px;
  border-radius:26px;
  background:rgba(255,255,255,.88);
  border:1px solid rgba(11,35,64,.10);
  box-shadow:0 18px 44px rgba(11,35,64,.10);
}
.visualServicesHead{
  display:flex;
  justify-content:space-between;
  align-items:flex-end;
  gap:18px;
  flex-wrap:wrap;
  margin-bottom:18px;
}
.visualKicker{
  display:inline-flex;
  padding:7px 10px;
  margin-bottom:8px;
  border-radius:999px;
  background:linear-gradient(135deg,rgba(234,246,255,.98),rgba(255,243,227,.98));
  border:1px solid rgba(11,35,64,.10);
  color:#225f93;
  font-size:12px;
  font-weight:900;
}
.visualServices h2{
  margin:0;
  color:#0b2340;
  font-size:clamp(24px,3vw,36px);
  letter-spacing:-.03em;
}
.visualServicesGrid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:16px;
}
.visualServiceCard{
  display:block;
  overflow:hidden;
  border-radius:20px;
  text-decoration:none;
  color:#0b2340;
  background:#fff;
  border:1px solid rgba(11,35,64,.10);
  box-shadow:0 12px 28px rgba(11,35,64,.08);
  transition:transform .16s ease,box-shadow .16s ease;
}
.visualServiceCard:hover{
  transform:translateY(-2px);
  box-shadow:0 18px 36px rgba(11,35,64,.13);
}
.visualServiceCard img{
  display:block;
  width:100%;
  aspect-ratio:760/520;
  object-fit:cover;
}
.visualServiceCopy{
  padding:15px;
  display:grid;
  gap:5px;
}
.visualServiceCopy strong{
  font-size:17px;
}
.visualServiceCopy span{
  color:#607285;
  font-size:13px;
  line-height:1.45;
}
@media(max-width:850px){
  .visualServicesGrid{grid-template-columns:1fr}
}


/* === Current insurance review menu and explanation === */
.currentCoverageBtn{
  border-color:rgba(124,146,47,.42);
  background:linear-gradient(135deg,#f5f9e8,#fff7ea);
  color:#40510f;
}
.currentCoverageBtn:hover{
  border-color:#7c922f;
  box-shadow:0 9px 22px rgba(124,146,47,.15);
}

.coverageReviewIntro{
  display:grid;
  grid-template-columns:auto minmax(0,1fr) auto;
  align-items:center;
  gap:13px;
  margin-top:14px;
  padding:14px;
  border-radius:16px;
  border:1px solid rgba(34,95,147,.16);
  background:
    linear-gradient(135deg,rgba(234,246,255,.96),rgba(255,243,227,.96));
  box-shadow:0 9px 24px rgba(11,35,64,.07);
}

.coverageReviewIcon{
  width:46px;
  height:46px;
  display:grid;
  place-items:center;
  border-radius:14px;
  flex:0 0 auto;
  background:linear-gradient(135deg,#127cc1,#7c922f);
  color:#fff;
  font-size:23px;
  font-weight:950;
  box-shadow:0 8px 18px rgba(34,95,147,.19);
}

.coverageReviewCopy strong{
  display:block;
  margin-bottom:4px;
  color:#0b2340;
  font-size:15px;
}

.coverageReviewCopy p{
  margin:0;
  color:#5a6b7b;
  font-size:12px;
  line-height:1.52;
}

.coverageReviewLink{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:42px;
  padding:10px 12px;
  border-radius:12px;
  text-decoration:none;
  text-align:center;
  color:#fff;
  background:#225f93;
  font-size:12px;
  font-weight:900;
  white-space:nowrap;
}

.coverageReviewLink:hover{
  background:#0b2340;
}

@media(max-width:760px){
  .coverageReviewIntro{
    grid-template-columns:auto minmax(0,1fr);
  }
  .coverageReviewLink{
    grid-column:1 / -1;
    width:100%;
  }
}

@media(max-width:480px){
  .coverageReviewIntro{
    grid-template-columns:1fr;
  }
  .coverageReviewIcon{
    width:42px;
    height:42px;
  }
}

.visualServiceIconCard{min-height:260px;display:flex;flex-direction:column;justify-content:center;align-items:stretch;background:linear-gradient(145deg,#f8fbff,#fff6ed);}.visualProductIcon{height:170px;display:grid;place-items:center;font-size:72px;background:linear-gradient(145deg,#0b2340,#225f93);color:#fff}.visualProductIcon.lifeIcon{background:linear-gradient(145deg,#0b2340,#7f2430)}.visualProductIcon.travelIcon{background:linear-gradient(145deg,#0b2340,#225f93)}.professionalLogo[src$="frank-fi-logo-2026.svg"]{object-fit:contain;padding:5px}.visualServicesGrid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));}


/* === Homepage campaign placement refinement === */
.brandCampaignInline{
  margin-top:10px;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:7px 10px;
  padding:10px 12px;
  border-radius:14px;
  background:linear-gradient(135deg,rgba(234,246,255,.92),rgba(255,243,227,.94));
  border:1px solid rgba(11,35,64,.10);
  box-shadow:0 8px 20px rgba(11,35,64,.06);
}
.brandCampaignInline strong{
  color:#0b2340;
  font-size:13px;
  letter-spacing:.035em;
}
.brandCampaignInline #t_campaignSecondary{
  color:#c63a36;
  font-weight:950;
  font-size:12px;
  letter-spacing:.045em;
}
.brandCampaignInline #t_campaignProducts{
  flex-basis:100%;
  color:#225f93;
  font-size:11px;
  font-weight:900;
  letter-spacing:.06em;
}
@media(max-width:560px){
  .brandCampaignInline{padding:9px 10px;}
  .brandCampaignInline strong,.brandCampaignInline #t_campaignSecondary{font-size:11px;}
  .brandCampaignInline #t_campaignProducts{font-size:10px;line-height:1.5;}
}


/* === Main contact section === */
.homeContactSection{margin-top:18px;padding:24px}
.homeContactSection h2{margin:4px 0 8px;color:#0b2340;font-size:clamp(24px,3vw,34px)}
.contactKicker{font-size:12px;font-weight:950;letter-spacing:.13em;color:#225f93}
.homeContactGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:16px}
.homeContactCard{
  display:flex;flex-direction:column;gap:5px;padding:18px;border-radius:16px;
  border:1px solid rgba(11,35,64,.12);background:linear-gradient(135deg,#fff,#f7fbff);
  color:#0b2340;text-decoration:none;box-shadow:0 10px 24px rgba(11,35,64,.07)
}
.homeContactCard:hover{transform:translateY(-1px);box-shadow:0 14px 28px rgba(11,35,64,.11)}
.homeContactCard strong{font-size:clamp(18px,2.5vw,24px);overflow-wrap:anywhere}
.homeContactLabel{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;color:#627286}
.homeContactCard small{color:#627286}
.contactActions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.footerContact{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
@media(max-width:620px){.homeContactGrid{grid-template-columns:1fr}}


/* === Frank / InsureU broker affiliation profile === */
.brokerProfileCard{
  margin-top:16px;
  display:grid;
  grid-template-columns:190px minmax(0,1fr);
  gap:20px;
  align-items:center;
  padding:18px;
  border-radius:18px;
  border:1px solid rgba(11,35,64,.11);
  background:linear-gradient(135deg,#fff,#f8fbff);
  box-shadow:0 12px 30px rgba(11,35,64,.07);
}
.brokerageLogoWrap{
  display:flex;
  align-items:center;
  justify-content:center;
  min-height:150px;
  padding:12px;
  background:#fff;
  border:1px solid #edf1f5;
  border-radius:16px;
}
.brokerageLogoWrap img{display:block;max-width:100%;height:auto}
.brokerProfileCopy h3{margin:4px 0 6px;color:#0b2340;font-size:clamp(21px,3vw,29px)}
.brokerProfileCopy p{margin:5px 0;line-height:1.55}
.brokerProfileLabel{font-size:11px;font-weight:950;letter-spacing:.12em;color:#225f93}
.brokerContactFacts{
  margin-top:12px;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:7px 16px;
  color:#52677b;
  font-size:13px;
}
.brokerContactFacts span{min-width:0;overflow-wrap:anywhere}
@media(max-width:700px){
  .brokerProfileCard{grid-template-columns:1fr;text-align:left}
  .brokerageLogoWrap{min-height:120px}
  .brokerageLogoWrap img{max-width:150px}
  .brokerContactFacts{grid-template-columns:1fr}
}