/* Covered For Life — modern design system (2026 redesign) */
:root{--navy:#0f2a43;--navy2:#0b1233;--blue:#00c4f5;--blue2:#0090c9;--sky:#e9f9ff;--ink:#16233b;--muted:#5b6b82;--line:#e8eef5;--soft:#f5f8fc;--white:#fff;}
*{box-sizing:border-box;}
body{font-family:'Inter',system-ui,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;}
h1,h2,h3,h4,h5,.m-h{font-family:'Poppins',sans-serif;color:var(--navy);font-weight:800;line-height:1.15;}
img{max-width:100%;}
a{text-decoration:none;}
.m-wrap{max-width:1180px;margin:0 auto;padding:0 20px;}
/* buttons */
.m-btn{display:inline-flex;align-items:center;gap:8px;background:var(--blue);color:var(--navy);font-weight:700;padding:14px 28px;border-radius:40px;border:2px solid var(--blue);transition:.2s;font-family:'Poppins',sans-serif;cursor:pointer;}
.m-btn:hover{background:var(--blue2);border-color:var(--blue2);color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,144,201,.28);}
.m-btn-navy{background:var(--navy);border-color:var(--navy);color:#fff;}
.m-btn-navy:hover{background:#1b3c5e;border-color:#1b3c5e;color:#fff;}
.m-btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4);}
.m-btn-ghost:hover{background:#fff;color:var(--navy);border-color:#fff;}
.m-btn-sm{padding:10px 22px;font-size:.95rem;}
/* header */
.m-header{position:sticky;top:0;z-index:1000;background:var(--navy);box-shadow:0 4px 20px rgba(11,18,51,.18);}
.m-topbar{background:var(--navy2);color:#c7d3e6;font-size:.82rem;text-align:center;padding:7px 12px;}
.m-nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0;gap:16px;}
.m-logo{font-family:'Poppins',sans-serif;font-weight:800;font-size:1.4rem;color:#fff;letter-spacing:.02em;display:flex;align-items:center;gap:9px;}
.m-logo i{color:var(--blue);}
.m-menu{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0;}
.m-menu a{color:#e7eefb;font-weight:600;font-size:.96rem;transition:.15s;}
.m-menu a:hover,.m-menu a.active{color:var(--blue);}
.m-navcta{display:flex;align-items:center;gap:14px;}
.m-phone{color:#fff;font-weight:700;font-family:'Poppins',sans-serif;display:flex;align-items:center;gap:8px;white-space:nowrap;}
.m-phone i{color:var(--blue);}
.m-burger{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer;}
/* hero */
.m-hero{position:relative;background:linear-gradient(120deg,#0b1233 0%,#0f2a43 55%,#123457 100%);color:#fff;overflow:hidden;}
.m-hero:before{content:"";position:absolute;right:-140px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgba(0,196,245,.25),transparent 70%);border-radius:50%;}
.m-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:76px 0 84px;position:relative;z-index:1;}
.m-kicker{display:inline-block;background:rgba(0,196,245,.16);color:#7fe6ff;font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:12px;padding:8px 16px;border-radius:30px;margin-bottom:18px;}
.m-hero h1{color:#fff;font-size:3rem;margin:0 0 18px;}
.m-hero p.lead{color:#c9d6ea;font-size:1.15rem;max-width:560px;margin:0 0 28px;}
.m-hero-btns{display:flex;gap:14px;flex-wrap:wrap;}
.m-ticks{display:flex;flex-wrap:wrap;gap:14px 24px;margin-top:26px;}
.m-ticks span{display:flex;align-items:center;gap:8px;color:#dbe6f5;font-size:.97rem;}
.m-ticks i{color:var(--blue);font-size:1.15rem;}
.m-hero-img{position:relative;}
.m-hero-img img{border-radius:22px;box-shadow:0 30px 60px rgba(0,0,0,.35);width:100%;object-fit:cover;}
.m-hero-badge{position:absolute;left:-18px;bottom:24px;background:#fff;color:var(--navy);border-radius:16px;padding:14px 18px;box-shadow:0 18px 40px rgba(0,0,0,.25);display:flex;align-items:center;gap:12px;font-family:'Poppins',sans-serif;}
.m-hero-badge i{font-size:26px;color:var(--blue2);}
.m-hero-badge b{display:block;font-size:1.05rem;}
.m-hero-badge span{font-size:.8rem;color:var(--muted);font-family:'Inter';}
/* trust strip */
.m-strip{background:var(--navy2);color:#fff;}
.m-strip-grid{display:grid;grid-template-columns:repeat(4,1fr);}
.m-stat{text-align:center;padding:24px 12px;border-right:1px solid rgba(255,255,255,.08);}
.m-stat:last-child{border-right:0;}
.m-stat b{display:block;font-family:'Poppins';font-size:1.55rem;color:var(--blue);}
.m-stat span{color:#a9b7d0;font-size:.88rem;}
/* sections */
.m-sec{padding:80px 0;}
.m-sec.soft{background:var(--soft);}
.m-center{text-align:center;max-width:720px;margin:0 auto 52px;}
.m-eyebrow{color:var(--blue2);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:12px;}
.m-sec h2{font-size:2.2rem;margin:8px 0 12px;}
.m-lead{color:var(--muted);font-size:1.06rem;}
/* service cards */
.m-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.m-card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;transition:.22s;box-shadow:0 8px 22px rgba(15,42,67,.06);display:flex;flex-direction:column;}
.m-card:hover{transform:translateY(-8px);box-shadow:0 26px 50px rgba(15,42,67,.15);}
.m-card-img{height:190px;overflow:hidden;}
.m-card-img img{width:100%;height:100%;object-fit:cover;transition:.4s;}
.m-card:hover .m-card-img img{transform:scale(1.06);}
.m-card-body{padding:26px 24px;flex:1;display:flex;flex-direction:column;}
.m-card-body h3{font-size:1.25rem;margin:0 0 10px;}
.m-card-body p{color:var(--muted);margin:0 0 20px;flex:1;}
.m-card-body .m-link{color:var(--blue2);font-weight:700;font-family:'Poppins';display:inline-flex;align-items:center;gap:6px;}
/* two-col */
.m-two{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;}
.m-two img{border-radius:20px;box-shadow:0 22px 46px rgba(15,42,67,.16);width:100%;object-fit:cover;}
.m-two h2{font-size:2rem;margin-bottom:16px;}
.m-two p{color:var(--muted);margin-bottom:16px;}
/* feature badges */
.m-feats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.m-feat{text-align:center;padding:30px 20px;background:#fff;border-radius:18px;border:1px solid var(--line);transition:.2s;}
.m-feat:hover{box-shadow:0 18px 40px rgba(15,42,67,.12);transform:translateY(-5px);}
.m-badge{width:64px;height:64px;border-radius:18px;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:28px;margin:0 auto 18px;}
.m-feat h4{font-size:1.12rem;margin:0 0 8px;}
.m-feat p{color:var(--muted);font-size:.96rem;margin:0;}
/* steps */
.m-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;}
.m-step{text-align:center;}
.m-stepn{width:70px;height:70px;border-radius:50%;background:var(--navy);color:var(--blue);font-family:'Poppins';font-weight:800;font-size:1.5rem;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;}
.m-step h4{font-size:1.15rem;margin:0 0 8px;}
.m-step p{color:var(--muted);font-size:.98rem;}
/* faq */
.m-faq{max-width:820px;margin:0 auto;}
.m-faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:14px;padding:4px 22px;box-shadow:0 4px 14px rgba(15,42,67,.04);}
.m-faq summary{list-style:none;cursor:pointer;font-family:'Poppins';font-weight:700;color:var(--navy);padding:16px 0;display:flex;justify-content:space-between;align-items:center;}
.m-faq summary::-webkit-details-marker{display:none;}
.m-faq summary:after{content:"\002B";color:var(--blue2);font-size:1.3rem;font-weight:700;}
.m-faq details[open] summary:after{content:"\2212";}
.m-faq details p{color:var(--muted);margin:0 0 18px;}
/* CTA band */
.m-cta{background:linear-gradient(120deg,var(--blue),var(--blue2));border-radius:26px;padding:56px 34px;text-align:center;color:#fff;box-shadow:0 26px 54px rgba(0,144,201,.28);}
.m-cta h2{color:#fff;font-size:2.1rem;margin:0 0 12px;}
.m-cta p{color:#eafaff;max-width:640px;margin:0 auto 26px;font-size:1.08rem;}
.m-cta .m-btn{background:var(--navy);border-color:var(--navy);color:#fff;}
.m-cta .m-btn:hover{background:#1b3c5e;border-color:#1b3c5e;}
/* footer */
.m-footer{background:var(--navy2);color:#aebbd4;padding:60px 0 0;}
.m-foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:40px;}
.m-footer h5{color:#fff;font-family:'Poppins';font-size:1rem;margin:0 0 16px;}
.m-footer a{color:#aebbd4;display:block;margin-bottom:10px;transition:.15s;}
.m-footer a:hover{color:var(--blue);}
.m-foot-logo{font-family:'Poppins';font-weight:800;font-size:1.35rem;color:#fff;margin-bottom:14px;}
.m-disclaimer{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 30px;font-size:.78rem;color:#8593b0;line-height:1.7;}
.m-copyright{border-top:1px solid rgba(255,255,255,.1);padding:18px 0;text-align:center;font-size:.85rem;color:#8593b0;}
/* mobile sticky call */
.m-mcall{display:none;}
@media(max-width:992px){
 .m-hero-grid{grid-template-columns:1fr;gap:32px;padding:52px 0 60px;}
 .m-hero h1{font-size:2.3rem;}
 .m-cards,.m-feats{grid-template-columns:repeat(2,1fr);}
 .m-two{grid-template-columns:1fr;}
 .m-two .m-two-img{order:-1;}
 .m-menu,.m-phone{display:none;}
 .m-burger{display:block;}
 .m-steps{grid-template-columns:1fr;}
 .m-strip-grid{grid-template-columns:repeat(2,1fr);}
 .m-stat:nth-child(2){border-right:0;}
}
@media(max-width:576px){
 .m-cards,.m-feats,.m-foot-grid{grid-template-columns:1fr;}
 .m-hero h1{font-size:2rem;}
 .m-sec{padding:56px 0;}
}
/* mobile nav drawer */
.m-drawer{position:fixed;inset:0;background:rgba(11,18,51,.96);z-index:1100;display:none;flex-direction:column;padding:80px 30px;gap:8px;}
.m-drawer.open{display:flex;}
.m-drawer a{color:#fff;font-family:'Poppins';font-weight:600;font-size:1.3rem;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);}
.m-drawer .m-close{position:absolute;top:24px;right:28px;font-size:2rem;color:#fff;background:none;border:0;cursor:pointer;}
/* 5-across compact service cards (homepage) */
.m-cards5{grid-template-columns:repeat(5,1fr)!important;gap:16px;}
.m-cards5 .m-card-img{height:132px;}
.m-cards5 .m-card-body{padding:18px 15px;}
.m-cards5 .m-card-body h3{font-size:1.02rem;margin-bottom:7px;}
.m-cards5 .m-card-body p{font-size:.88rem;margin-bottom:14px;line-height:1.5;}
.m-cards5 .m-card-body .m-link{font-size:.9rem;}
@media(max-width:1100px){.m-cards5{grid-template-columns:repeat(3,1fr)!important;}}
@media(max-width:768px){.m-cards5{grid-template-columns:repeat(2,1fr)!important;}}
@media(max-width:576px){.m-cards5{grid-template-columns:1fr!important;}}