:root{
--primary:#0b3d6d;
--secondary:#1c74c9;
--light:#f5f7fa;
--dark:#333;
--accent:#e6eef8;
}

*{
box-sizing:border-box;
margin:0;
padding:0;
}

body{
font-family:system-ui,-apple-system,Segoe UI,Roboto;
line-height:1.6;
color:var(--dark);
background:var(--light);
}

.container{
width:90%;
max-width:1200px;
margin:auto;
}

header{
background:var(--primary);
color:white;
}

.header-inner{
display:flex;
justify-content:space-between;
align-items:center;
padding:20px 0;
}

.logo{
font-size:22px;
font-weight:700;
}

nav a{
color:white;
margin-left:20px;
text-decoration:none;
font-weight:500;
}

nav a:hover{
text-decoration:underline;
}

.hero{
background:linear-gradient(rgba(0,0,0,.45),rgba(0,0,0,.45)),
url('../images/insurance-hero.jpg');
background-size:cover;
background-position:center;
color:white;
padding:120px 20px;
text-align:center;
}

.hero h1{
font-size:44px;
margin-bottom:15px;
}

.hero p{
font-size:20px;
}

.section{
padding:70px 0;
}

.grid{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
gap:25px;
}

.card{
background:white;
padding:30px;
border-radius:8px;
box-shadow:0 5px 15px rgba(0,0,0,.08);
transition:.2s;
}

.card:hover{
transform:translateY(-5px);
}

.card h3{
margin-bottom:15px;
color:var(--primary);
}

.btn{
display:inline-block;
background:var(--secondary);
color:white;
padding:12px 25px;
border-radius:5px;
text-decoration:none;
margin-top:10px;
}

.btn:hover{
background:#155fa8;
}

footer{
background:var(--primary);
color:white;
text-align:center;
padding:35px;
margin-top:60px;
}

form{
background:white;
padding:35px;
border-radius:8px;
box-shadow:0 5px 15px rgba(0,0,0,.1);
}

input,select,textarea{
width:100%;
padding:12px;
margin-bottom:15px;
border:1px solid #ccc;
border-radius:4px;
}

label{
font-weight:600;
}

button{
background:var(--secondary);
color:white;
border:none;
padding:14px 25px;
font-size:16px;
border-radius:5px;
cursor:pointer;
}

button:hover{
background:#155fa8;
}

.notice{
background:#fff3cd;
border:1px solid #ffeeba;
padding:12px;
font-size:14px;
margin-bottom:10px;
}

.carrier-grid{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
gap:20px;
text-align:center;
}

.carrier{
background:white;
padding:20px;
border-radius:6px;
box-shadow:0 4px 10px rgba(0,0,0,.08);
}