/* venkatparkunan.com/insurance, v2 compact modern look (2026-11-06) */
:root {
  --ink: #0b1730;
  --ink-2: #47556e;
  --line: #e4e8f0;
  --bg: #f6f7fb;
  --navy: #0b1730;
  --navy-2: #16305a;
  --hot: #e4432a;
  --hot-2: #f9741a;
  --mint: #0a8f6f;
  --gold: #ffc24b;
  --r: 20px;
  --shadow: 0 10px 30px rgba(11, 23, 48, .08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 500 16px/1.5 "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Arial, sans-serif; word-spacing: .06em; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p, ul, figure, fieldset { margin: 0; padding: 0; }
ul { list-style: none; }
fieldset { border: 0; min-width: 0; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
[id] { scroll-margin-top: 76px; }
.wrap { width: min(calc(100% - 32px), 1120px); margin-inline: auto; }

/* Buttons */
.btn { min-height: 48px; padding: 0 20px; border: 1.5px solid transparent; border-radius: 999px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-size: .95rem; font-weight: 800; white-space: nowrap; transition: transform .14s ease, box-shadow .14s ease; }
.btn:hover { transform: translateY(-1px); }
.btn-hot { background: linear-gradient(100deg, var(--hot), #ee5a22); color: #fff; box-shadow: 0 8px 20px rgba(228, 67, 42, .32); }
.btn-glass { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .45); color: #fff; }
.btn-line { border-color: var(--ink); color: var(--ink); }
.btn-small { min-height: 40px; padding: 0 16px; font-size: .86rem; }
.btn-full { width: 100%; }
.cta-row { display: flex; flex-wrap: wrap; gap: 10px; }

/* Top bar */
.top { position: sticky; top: 0; z-index: 40; background: rgba(255, 255, 255, .88); backdrop-filter: saturate(160%) blur(12px); border-bottom: 1px solid var(--line); }
.top-row { min-height: 62px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand { display: grid; line-height: 1.15; }
.brand strong { font-size: 1.08rem; font-weight: 800; letter-spacing: -.02em; }
.brand span { color: var(--mint); font-size: .68rem; font-weight: 700; letter-spacing: .01em; }
.top-nav { display: none; gap: 4px; }
.top-nav a { padding: 7px 14px; border-radius: 999px; color: var(--ink-2); font-size: .88rem; font-weight: 700; }
.top-nav a:hover { background: #eef1f6; color: var(--ink); }

/* Hero */
.hero { padding-top: 14px; }
.hero-card { overflow: hidden; display: grid; border-radius: 26px; color: #fff; background: radial-gradient(760px 420px at 0% 0%, #24508f 0%, transparent 62%), linear-gradient(135deg, var(--navy), var(--navy-2)); box-shadow: 0 22px 50px rgba(11, 23, 48, .24); }
.hero-photo { position: relative; order: -1; min-height: 262px; }
.hero-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 16%; }
.price-float { position: absolute; right: 8px; bottom: 8px; max-width: 196px; padding: 7px 11px 8px; border-radius: 14px; background: rgba(255, 255, 255, .95); color: var(--ink); box-shadow: 0 10px 26px rgba(11, 23, 48, .28); }
.price-float span { display: block; font-size: .72rem; font-weight: 700; }
.price-float strong { display: block; color: var(--hot); font-size: 1.5rem; font-weight: 800; line-height: 1.1; letter-spacing: -.02em; }
.price-float small { color: var(--ink-2); font-size: .74rem; font-weight: 700; letter-spacing: 0; }
.price-float em { display: block; margin-top: 2px; color: var(--ink-2); font-size: .63rem; font-style: normal; font-weight: 600; line-height: 1.25; }
.hero-copy { padding: 20px 18px 20px; display: grid; gap: 13px; align-content: center; }
.chip { justify-self: start; padding: 5px 12px; border: 1px solid rgba(255, 255, 255, .28); border-radius: 999px; background: rgba(255, 255, 255, .08); font-size: .74rem; font-weight: 700; display: inline-flex; align-items: center; gap: 7px; }
.chip i { width: 7px; height: 7px; border-radius: 50%; background: #38e0a8; box-shadow: 0 0 8px #38e0a8; }
.hero h1 { font-size: clamp(1.85rem, 5.6vw, 3.05rem); font-weight: 800; line-height: 1.07; letter-spacing: -.022em; word-spacing: .08em; }
.hero h1 em { font-style: normal; color: var(--gold); }
.lede { color: #d5deea; font-size: 1rem; line-height: 1.5; max-width: 34em; }
.agent { display: flex; align-items: center; gap: 10px; }
.agent img { width: 44px; height: 44px; border: 2px solid var(--gold); border-radius: 50%; object-fit: cover; }
.agent p { display: grid; line-height: 1.25; }
.agent b { font-size: .9rem; font-weight: 800; }
.agent span { color: #b9c6d9; font-size: .72rem; }

/* Four lines */
.lines { margin-top: 12px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 9px; }
.lines a { padding: 10px; border: 1px solid var(--line); border-radius: 16px; background: #fff; display: flex; align-items: center; gap: 10px; box-shadow: 0 3px 12px rgba(11, 23, 48, .05); transition: transform .14s ease, box-shadow .14s ease; }
.lines a:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.lines img { flex: 0 0 auto; width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.lines span { min-width: 0; display: grid; line-height: 1.22; }
.lines b { font-size: 1rem; font-weight: 800; letter-spacing: -.01em; }
.lines small { color: var(--ink-2); font-size: .7rem; font-weight: 600; }

/* Sections */
.sec { padding-top: 38px; }
.sec-head { margin-bottom: 14px; }
.eyebrow { color: var(--mint); font-size: .74rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
h2 { font-size: clamp(1.45rem, 3.4vw, 2.05rem); font-weight: 800; line-height: 1.14; letter-spacing: -.018em; word-spacing: .08em; }
.note { color: var(--ink-2); font-size: .72rem; line-height: 1.5; }

/* Life */
.life-grid { display: grid; gap: 14px; }
.picker { padding: 16px; border: 1px solid var(--line); border-radius: var(--r); background: #fff; box-shadow: var(--shadow); display: grid; gap: 12px; }
.picker-controls { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.picker legend { padding: 0 0 4px; color: var(--ink-2); font-size: .72rem; font-weight: 700; }
.seg { padding: 3px; border-radius: 12px; background: #eef1f6; display: flex; gap: 2px; }
.seg label { flex: 1 1 0; min-width: 0; cursor: pointer; }
.seg input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.seg span { min-height: 36px; padding: 0 4px; border-radius: 9px; display: flex; align-items: center; justify-content: center; color: var(--ink-2); font-size: .82rem; font-weight: 700; white-space: nowrap; transition: background .12s ease, color .12s ease; }
.seg input:checked + span { background: var(--navy); color: #fff; box-shadow: 0 3px 8px rgba(11, 23, 48, .25); }
.seg input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 1px; }
.picker-result { padding: 12px 14px 14px; border-radius: 16px; background: linear-gradient(135deg, #fff5ea, #fff0f0); text-align: center; }
.pr-label { color: var(--ink-2); font-size: .78rem; font-weight: 700; }
.pr-num { margin: 0 0 8px; color: var(--hot); font-size: clamp(2.9rem, 9vw, 3.6rem); font-weight: 800; line-height: 1.05; letter-spacing: -.04em; font-variant-numeric: tabular-nums; }
.pr-num small { margin-left: 3px; color: var(--ink-2); font-size: 1rem; font-weight: 700; letter-spacing: 0; }
.pr-num output { display: inline-block; }
.pr-num output.pop { animation: pop .22s ease; }
@keyframes pop { 0% { transform: scale(.9); opacity: .4; } 100% { transform: scale(1); opacity: 1; } }
.pr-free { margin-top: 7px; color: var(--mint); font-size: .76rem; font-weight: 700; }
.all-prices summary { color: var(--ink); font-size: .84rem; font-weight: 800; cursor: pointer; }
.all-prices table { width: 100%; margin-top: 10px; border-collapse: collapse; font-size: .8rem; font-variant-numeric: tabular-nums; }
.all-prices caption { padding-bottom: 4px; font-weight: 800; text-align: left; }
.all-prices th, .all-prices td { padding: 7px 3px; border-bottom: 1px solid var(--line); text-align: center; }
.all-prices thead th { color: var(--ink-2); font-size: .68rem; font-weight: 700; }
.all-prices tbody th { font-weight: 700; text-align: left; white-space: nowrap; }
.all-prices thead th:first-child { text-align: left; }
.all-prices td { font-weight: 800; }
.life-side { display: grid; gap: 12px; align-content: start; }
.life-photo { width: 100%; height: auto; aspect-ratio: 16 / 9; object-fit: cover; object-position: 50% 22%; border-radius: var(--r); }
.stars { display: grid; gap: 7px; }
.stars li { position: relative; padding-left: 24px; font-size: .92rem; font-weight: 700; line-height: 1.35; }
.stars li::before { content: "★"; position: absolute; left: 0; top: -1px; color: var(--hot); font-size: 1rem; }
.carriers { margin-top: 14px; padding: 14px 16px; border: 1px solid var(--line); border-radius: var(--r); background: #fff; display: grid; gap: 9px; }
.carriers-title { font-size: .9rem; font-weight: 800; }
.carriers ul { display: flex; flex-wrap: wrap; gap: 6px; }
.carriers li { padding: 4px 10px; border-radius: 999px; background: #eef1f6; font-size: .76rem; font-weight: 700; }

/* Home */
.band { margin-top: 38px; padding: 30px 0 32px; background: linear-gradient(180deg, #fff, #eef3fb); border-block: 1px solid var(--line); }
.products { display: grid; gap: 10px; }
.product { position: relative; padding: 12px 14px; border: 1px solid var(--line); border-radius: 18px; background: #fff; display: grid; grid-template-columns: 76px 1fr; gap: 12px; align-items: center; box-shadow: 0 3px 12px rgba(11, 23, 48, .05); transition: transform .14s ease, box-shadow .14s ease; }
.product:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.product img { width: 76px; height: 76px; border-radius: 50%; object-fit: cover; }
.product h3 { font-size: 1.02rem; font-weight: 800; letter-spacing: -.01em; }
.product p { margin: 2px 0 5px; color: var(--ink-2); font-size: .82rem; line-height: 1.4; }
.product a { color: var(--hot); font-size: .84rem; font-weight: 800; }
.product a::after { content: ""; position: absolute; inset: 0; }
.product-ask { grid-template-columns: 1fr; background: linear-gradient(135deg, var(--navy), var(--navy-2)); border-color: var(--navy); color: #fff; }
.product-ask p { color: #cfd9e8; }
.product-ask a { color: #fff; font-size: .84rem; }
.product-ask a::after { display: none; }
.ask-row { display: flex; flex-wrap: wrap; gap: 8px; }

/* Auto + Health */
.duo { display: grid; gap: 12px; }
.feature { overflow: hidden; border: 1px solid var(--line); border-radius: var(--r); background: #fff; box-shadow: var(--shadow); }
.feature > img { width: 100%; height: auto; aspect-ratio: 16 / 8; object-fit: cover; object-position: 50% 28%; }
.feature > div { padding: 14px 16px 16px; display: grid; gap: 6px; }
.feature h2 { font-size: 1.28rem; }
.feature p:not(.eyebrow) { color: var(--ink-2); font-size: .88rem; line-height: 1.45; }
.feature .cta-row { margin-top: 5px; }

/* Steps */
.steps { margin-top: 26px; padding: 14px 16px; border-radius: var(--r); background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; display: grid; gap: 12px; }
.steps > div { display: grid; grid-template-columns: 34px 1fr; gap: 10px; align-items: start; }
.steps b { width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-weight: 800; }
.steps p { display: grid; line-height: 1.35; }
.steps strong { font-size: .95rem; font-weight: 800; }
.steps span { color: #cfd9e8; font-size: .8rem; }

/* FAQ */
.faq-grid { display: grid; gap: 8px; align-items: start; }
.faq-grid details { border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.faq-grid summary { position: relative; padding: 11px 36px 11px 14px; font-size: .88rem; font-weight: 700; line-height: 1.35; cursor: pointer; list-style: none; }
.faq-grid summary::-webkit-details-marker { display: none; }
.faq-grid summary::after { content: "+"; position: absolute; right: 13px; top: 8px; color: var(--hot); font-size: 1.25rem; font-weight: 700; }
.faq-grid details[open] summary::after { content: "−"; }
.faq-grid details p { padding: 0 14px 12px; color: var(--ink-2); font-size: .84rem; line-height: 1.5; }

/* Closer + footer */
.closer { margin-top: 28px; padding: 20px 18px; border-radius: 22px; background: radial-gradient(600px 300px at 100% 0%, #24508f 0%, transparent 62%), linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; display: grid; gap: 12px; }
.closer h2 { font-size: 1.4rem; }
.closer p { color: #cfd9e8; font-size: .86rem; }
.foot { margin-top: 26px; padding: 18px 0 92px; border-top: 1px solid var(--line); background: #fff; }
.foot-row { display: grid; gap: 8px; font-size: .8rem; }
.foot-row b { font-weight: 800; }
.foot-row nav { display: flex; flex-wrap: wrap; gap: 6px 16px; color: var(--ink-2); font-weight: 700; text-decoration: underline; }
.fine { margin-top: 10px; color: var(--ink-2); font-size: .68rem; line-height: 1.5; }

/* Phone bottom bar */
.phonebar { position: fixed; z-index: 50; left: 0; right: 0; bottom: 0; padding: 8px 12px calc(8px + env(safe-area-inset-bottom)); background: rgba(255, 255, 255, .96); border-top: 1px solid var(--line); display: grid; grid-template-columns: 2fr 1fr; gap: 8px; }
.phonebar a { min-height: 44px; border-radius: 999px; display: flex; align-items: center; justify-content: center; font-size: .92rem; font-weight: 800; }
.phonebar a:first-child { background: linear-gradient(100deg, var(--hot), #ee5a22); color: #fff; }
.phonebar a:last-child { border: 1.5px solid var(--ink); }

@media (min-width: 720px) {
  .top-nav { display: flex; }
  .hero-card { grid-template-columns: 1.02fr 1fr; min-height: 372px; }
  .hero-photo { order: 0; min-height: 0; }
  .hero-photo img { -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 16%); mask-image: linear-gradient(90deg, transparent 0, #000 16%); object-position: 50% 30%; }
  .price-float { right: 16px; bottom: 16px; max-width: 240px; padding: 11px 15px 12px; }
  .price-float strong { font-size: 1.75rem; }
  .price-float em { font-size: .68rem; }
  .hero-copy { padding: 30px 8px 30px 32px; }
  .lines { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .lines img { width: 54px; height: 54px; }
  .life-grid { grid-template-columns: 1.3fr 1fr; align-items: start; }
  .products { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .duo { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
  .faq-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .closer { grid-template-columns: 1fr auto; align-items: center; padding: 22px 26px; }
  .phonebar { display: none; }
  .foot { padding-bottom: 22px; }
  .foot-row { grid-template-columns: 1fr auto; align-items: start; }
}

@media (min-width: 1000px) {
  .picker { grid-template-columns: 1.15fr 1fr; align-items: stretch; }
  .picker-controls { grid-template-columns: 1fr; gap: 7px; align-content: start; }
  .all-prices, .picker .note { grid-column: 1 / -1; }
  .products { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .picker-result { display: grid; align-content: center; }
}

@media (max-width: 360px) {
  .seg span { font-size: .76rem; }
  .cta-row .btn { flex: 1 1 auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn, .lines a, .product, .seg span { transition: none; }
  .pr-num output.pop { animation: none; }
}