:root{
  --navy:#071629;
  --navy-2:#0b203c;
  --blue:#3f73c9;
  --blue-2:#79a8ff;
  --steel:#dfe7f2;
  --ink:#071326;
  --muted:#667085;
  --warm:#f8f5ef;
  --paper:#fffdf8;
  --white:#fff;
  --line:#dde5ef;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(var(--max),calc(100% - 44px));margin:auto}
.topbar{height:112px;position:fixed;top:0;left:0;right:0;z-index:50;background:rgba(5,15,29,.82);backdrop-filter:blur(18px);border-bottom:1px solid rgba(255,255,255,.14);display:flex;align-items:center}
.nav-wrap{width:min(1400px,calc(100% - 72px));margin:auto;display:flex;align-items:center;gap:28px}
.brand{margin-right:auto;display:flex;align-items:center;min-height:112px;padding:14px 0}.brand img{width:340px;height:auto;max-height:95px;object-fit:contain;display:block}
.nav{display:flex;gap:26px;color:#fff;font-weight:800;text-transform:uppercase;font-size:12px;letter-spacing:.055em}
.nav a{opacity:.92}.nav a:hover{color:var(--blue-2)}
.menu-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 24px;border:1px solid transparent;font-weight:900;text-transform:uppercase;font-size:12px;letter-spacing:.055em;transition:.25s}
.btn-blue{background:linear-gradient(135deg,var(--blue),var(--blue-2));color:#fff}.btn-blue:hover{transform:translateY(-2px);box-shadow:0 16px 35px rgba(61,114,201,.25)}
.btn-outline{border-color:var(--blue-2);color:#fff}.btn-outline:hover{background:var(--blue);border-color:var(--blue);color:#fff}.btn-light{border-color:var(--blue);color:var(--ink);background:#fff}
.hero{min-height:94vh;color:#fff;display:flex;align-items:center;padding-top:112px;background:linear-gradient(90deg,rgba(3,12,24,.96) 0%,rgba(6,22,42,.78) 45%,rgba(6,22,42,.26) 100%),url('../assets/images/hero-book.png');background-size:cover;background-position:center;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-160px;bottom:-180px;width:560px;height:560px;border:1px solid rgba(121,168,255,.25);border-radius:50%}
.hero-grid{display:grid;grid-template-columns:1.05fr .85fr;gap:70px;align-items:center;position:relative;z-index:2}
.eyebrow{display:flex;align-items:center;gap:13px;color:var(--blue-2);font-weight:900;text-transform:uppercase;font-size:12px;letter-spacing:.12em;margin:0 0 22px}.eyebrow:before{content:"";width:36px;height:2px;background:var(--blue-2)}
h1,h2,h3{font-family:Montserrat,Inter,sans-serif;line-height:1.02;margin:0}h1{font-size:clamp(48px,6.2vw,92px);font-weight:900;letter-spacing:-.055em;text-transform:uppercase;margin-bottom:26px}
h2{font-size:clamp(34px,4vw,58px);font-weight:900;letter-spacing:-.045em;text-transform:uppercase}.dot{color:var(--blue-2)}
.lead{font-size:20px;color:rgba(255,255,255,.86);max-width:660px;margin:0 0 34px}.hero-actions{display:flex;gap:16px;flex-wrap:wrap}
.claim-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(14px);padding:34px;box-shadow:0 30px 80px rgba(0,0,0,.28)}
.claim-card img{max-width:300px;margin:auto auto 26px}.metric-grid{display:grid;gap:14px}.metric{border-left:3px solid var(--blue-2);background:rgba(255,255,255,.08);padding:16px}.metric b{display:block;font-family:Montserrat;text-transform:uppercase}.metric span{color:rgba(255,255,255,.72);font-size:14px}
.trust-strip{background:var(--paper);border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{padding:25px 22px;border-left:1px solid var(--line);font-weight:900;text-transform:uppercase;font-size:13px;letter-spacing:.04em}.trust-item:last-child{border-right:1px solid var(--line)}.tick{color:var(--blue);margin-right:8px}
.section{padding:98px 0}.section-soft{background:var(--warm)}.section-head{display:flex;justify-content:space-between;gap:60px;align-items:end;margin-bottom:46px}.section-head p{max-width:470px;color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:#fff;border:1px solid var(--line);padding:34px;transition:.25s}.card:hover{transform:translateY(-5px);box-shadow:0 22px 50px rgba(6,22,42,.1)}.card span{font-weight:900;color:var(--blue);font-family:Montserrat}.card h3{text-transform:uppercase;font-size:22px;margin:18px 0 12px}.card p{color:var(--muted);margin:0}
.process{background:var(--navy);color:#fff}.process .section-head p{color:rgba(255,255,255,.72)}.steps{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.14)}.step{background:var(--navy-2);padding:28px;min-height:220px}.step span{color:var(--blue-2);font-weight:900;font-family:Montserrat}.step h3{text-transform:uppercase;font-size:18px;margin:18px 0 10px}.step p{color:rgba(255,255,255,.7);font-size:14px;margin:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.panel{background:#fff;border:1px solid var(--line);padding:38px}.panel h3{text-transform:uppercase;font-size:24px;margin-bottom:14px}.panel p,.split p{color:var(--muted)}
.ca-logo-panel{background:#02070d;padding:48px;border:1px solid #111f34}.ca-logo-panel img{width:100%}
.faq-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.faq{background:#fff;border:1px solid var(--line);padding:28px}.faq h3{text-transform:uppercase;font-size:18px;margin-bottom:10px}.faq p{color:var(--muted);margin:0}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:76px 0}.cta-grid{display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{font-size:42px}
.footer{background:#030b15;color:#fff;padding:56px 0 34px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:40px}.footer-logo{width:230px;margin-bottom:18px}.footer p,.footer a{color:rgba(255,255,255,.72);font-size:14px}.footer h3{text-transform:uppercase;font-size:14px;margin-bottom:14px}.footer a{display:block;margin:8px 0}
.subhero{padding:170px 0 85px;background:linear-gradient(90deg,rgba(3,12,24,.95),rgba(6,22,42,.82));color:#fff}.subhero h1{font-size:clamp(42px,5vw,72px);text-transform:uppercase}
.page-content{padding:90px 0}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px}.copy h2{font-size:42px;text-transform:uppercase;letter-spacing:-.035em}.copy p{color:var(--muted);font-size:17px}.list{display:grid;gap:14px;margin-top:24px}.list div{padding:18px;border:1px solid var(--line);background:#fff}
.form{display:grid;gap:15px}.form input,.form textarea,.form select{width:100%;padding:15px;border:1px solid var(--line);font:inherit}.form textarea{min-height:150px}
@media(max-width:980px){.topbar{height:112px;position:fixed;top:0;left:0;right:0;z-index:50;background:rgba(5,15,29,.82);backdrop-filter:blur(18px);border-bottom:1px solid rgba(255,255,255,.14);display:flex;align-items:center}.brand img{width:280px;height:auto;max-height:78px;object-fit:contain;display:block}.nav,.header-cta{display:none}.menu-toggle{display:flex;margin-left:auto;background:none;border:0;flex-direction:column;gap:5px}.menu-toggle span{width:28px;height:2px;background:#fff}.nav.open{display:flex;position:absolute;top:92px;left:0;right:0;background:#06162a;flex-direction:column;align-items:flex-start;padding:24px}.hero-grid,.split,.two-col{grid-template-columns:1fr}.hero{padding:130px 0 70px}.claim-card{margin-top:20px}.trust-grid,.cards,.steps,.faq-grid,.footer-grid{grid-template-columns:1fr}.section-head,.cta-grid{display:block}.section{padding:70px 0}}

/* V4 header polish */
@media(max-width:980px){
  .topbar{height:92px}
  .brand{min-height:92px;padding:12px 0}
  .brand img{width:255px;max-height:80px}
  .nav.open{top:92px}
}
@media(max-width:560px){
  .brand img{width:220px;max-height:70px}
  .nav-wrap{width:min(100% - 32px,1400px)}
}

/* Claims Approved V5 refinements */
.hero{
  background:
    linear-gradient(90deg,rgba(3,12,24,.96) 0%,rgba(6,22,42,.78) 45%,rgba(6,22,42,.22) 100%),
    url('../assets/images/claims-office-team.png') center/cover no-repeat !important;
}
.topbar .brand img,
.footer-logo{
  object-fit:contain;
}
.feature-img{
  overflow:hidden;
  border:1px solid var(--line, #dde5ef);
  background:#fff;
}
.feature-img img{
  width:100%;
  height:100%;
  min-height:420px;
  object-fit:cover;
}
.ca-v5-image-split .copy p{
  font-size:17px;
}
.ca-v5-image-split .list div{
  border-left:3px solid var(--blue, #3f73c9);
}
@media(max-width:980px){
  .feature-img img{min-height:300px}
}