/* KeysInsured — site styles */
:root{
  --ink:#0F2A24; --ink-2:#3B524C; --muted:#687C77;
  --bg:#F3F6F4; --white:#FFFFFF; --line:#DCE5E0; --line-2:#C8D5CF;
  --key:#FF6B35; --key-d:#E0521E; --key-bg:#FFEDE4;
  --pine:#1F7A5C; --pine-bg:#E2F1EA; --brass:#F2B33D; --red:#C2412D;
  --head:'Fraunces',Georgia,serif; --body:'DM Sans',system-ui,-apple-system,Segoe UI,sans-serif;
  --r:14px; --shadow:0 1px 2px rgba(15,42,36,.06),0 12px 32px rgba(15,42,36,.08);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--body);font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--pine);text-underline-offset:3px}
a:hover{color:var(--ink)}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:99}
.skip:focus{left:8px}
h1,h2,h3{font-family:var(--head);font-weight:600;letter-spacing:-.012em;line-height:1.1;font-variation-settings:"SOFT" 50,"opsz" 96}
h1 em,h2 em{font-style:italic;color:var(--key-d)}

/* brand */
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand svg{width:34px;height:34px;flex:none}
.brand .wm{font-family:var(--head);font-weight:700;font-size:1.32rem;letter-spacing:-.02em}
.brand .wm span{font-weight:400;font-style:italic;color:var(--pine)}

/* header */
.site-header{position:sticky;top:0;z-index:30;background:rgba(243,246,244,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--ink-2);text-decoration:none;font-weight:500;font-size:.96rem}
.nav a:hover{color:var(--ink)}
.nav .nav-cta{background:var(--ink);color:#fff;padding:9px 16px;border-radius:999px;font-weight:600}
.nav .nav-cta:hover{background:var(--pine);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line-2);border-radius:999px;padding:7px 14px;font:600 .9rem var(--body);color:var(--ink);cursor:pointer}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--key);color:#fff;font-weight:700;text-decoration:none;border:0;border-radius:12px;padding:14px 22px;cursor:pointer;font-family:var(--body);font-size:1rem}
.btn:hover{background:var(--key-d);color:#fff}

/* ZIP form */
.zip-form{width:100%;max-width:520px}
.zip-label{display:block;font-weight:700;margin-bottom:8px}
.zip-row{display:flex;gap:8px;background:var(--white);border:2px solid var(--ink);border-radius:14px;padding:6px;box-shadow:0 6px 0 rgba(15,42,36,.12);transition:border-color .2s}
.zip-row.valid{border-color:var(--pine)}
.zip-row.error{border-color:var(--red)}
.zip-input{flex:1;min-width:0;border:0;outline:0;background:transparent;font:600 1.15rem var(--body);color:var(--ink);padding:10px 12px;letter-spacing:.04em}
.zip-input::placeholder{color:#94A49F;font-weight:500;letter-spacing:0}
.zip-btn{flex:none;background:var(--key);color:#fff;border:0;border-radius:10px;padding:0 20px;font:700 1rem var(--body);cursor:pointer;white-space:nowrap}
.zip-btn:hover{background:var(--key-d)}
.zip-error{color:var(--red);font-size:.88rem;font-weight:600;min-height:1.3em;margin-top:6px}
.zip-note{font-size:.86rem;color:var(--muted);font-weight:500}
@keyframes shake{0%,100%{transform:translateX(0)}20%,60%{transform:translateX(-6px)}40%,80%{transform:translateX(6px)}}

/* hero */
.hero{padding:64px 0 72px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-180px;top:-160px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(255,107,53,.13),transparent 65%);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;position:relative}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--pine);margin-bottom:16px}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--key)}
.hero h1{font-size:clamp(2.4rem,5.6vw,4rem);margin-bottom:18px}
.lede{font-size:1.14rem;color:var(--ink-2);max-width:540px;margin-bottom:26px}
.ticks{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:18px;font-size:.92rem;font-weight:600;color:var(--ink-2)}
.ticks span{display:inline-flex;align-items:center;gap:6px}
.ticks svg{width:18px;height:18px;color:var(--pine)}

/* renewal letter visual */
.letter{position:relative;background:var(--white);border-radius:18px;box-shadow:var(--shadow);padding:26px 26px 22px;border:1px solid var(--line)}
.letter .lh{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:1px dashed var(--line-2);padding-bottom:14px;margin-bottom:14px}
.letter .lh b{font-family:var(--head);font-size:1.15rem;display:block}
.letter .lh small{color:var(--muted);font-size:.84rem}
.letter .stamp{white-space:nowrap;flex:none;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--red);border:2px solid var(--red);border-radius:6px;padding:3px 7px;transform:rotate(4deg)}
.lrow{display:flex;justify-content:space-between;padding:7px 0;font-size:.98rem;color:var(--ink-2)}
.lrow b{color:var(--ink)}
.lrow.up b{color:var(--red)}
.letter .cmp{margin-top:14px;background:var(--pine-bg);border-radius:12px;padding:14px 16px}
.letter .cmp p{font-size:.86rem;font-weight:700;color:var(--pine);letter-spacing:.04em;text-transform:uppercase;margin-bottom:8px}
.bars{display:grid;gap:7px}
.bar{display:grid;grid-template-columns:78px 1fr 64px;align-items:center;gap:10px;font-size:.9rem;font-weight:600}
.bar i{display:block;height:10px;border-radius:99px;background:#BFD3CA}
.bar.lo i{background:var(--pine)}
.bar .p{text-align:right}
.letter .fine{font-size:.76rem;color:var(--muted);margin-top:12px}
.keytag{position:absolute;left:-26px;bottom:-22px;background:var(--brass);color:var(--ink);font-weight:800;font-size:.85rem;padding:9px 14px 9px 26px;border-radius:10px;transform:rotate(-6deg);box-shadow:0 8px 20px rgba(15,42,36,.15)}
.keytag::before{content:"";position:absolute;left:9px;top:50%;width:9px;height:9px;margin-top:-4.5px;border-radius:50%;background:var(--bg)}

/* sections */
.block{padding:80px 0}
.block.white{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.block.dark{background:var(--ink);color:#E8F0EC}
.sec-head{max-width:680px;margin-bottom:40px}
.sec-head h2{font-size:clamp(1.9rem,3.8vw,2.7rem);margin-bottom:12px}
.sec-head p{color:var(--ink-2);font-size:1.08rem}
.dark .sec-head p{color:#B6C8C1}

.path{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;list-style:none;counter-reset:p}
.path li{background:var(--bg);border-radius:var(--r);padding:28px 24px;position:relative}
.path li::before{counter-increment:p;content:counter(p);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;font:600 1.15rem var(--head);margin-bottom:18px}
.path li:last-child::before{background:var(--key)}
.path h3{font-size:1.3rem;margin-bottom:8px}
.path p{color:var(--ink-2)}

.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ck{display:flex;gap:16px;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.ck .ic{flex:none;width:44px;height:44px;border-radius:12px;background:var(--pine-bg);display:grid;place-items:center}
.ck .ic svg{width:24px;height:24px;color:var(--pine)}
.ck.warn .ic{background:var(--key-bg)}.ck.warn .ic svg{color:var(--key-d)}
.ck h3{font-family:var(--body);font-weight:700;font-size:1.06rem;letter-spacing:0;margin-bottom:4px}
.ck p{color:var(--ink-2);font-size:.98rem}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.signs{list-style:none;display:grid;gap:14px}
.signs li{display:flex;gap:14px;align-items:flex-start;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:16px 18px}
.signs b{display:block;color:#fff;font-size:1.04rem}
.signs span{color:#B6C8C1;font-size:.96rem}
.signs .n{flex:none;font:600 1.5rem var(--head);color:var(--brass);line-height:1}
.pull{font-family:var(--head);font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.2;color:#fff}
.pull em{color:var(--brass)}
.dark a{color:var(--brass)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);color:var(--ink)}
.card .tag{align-self:flex-start;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);background:var(--pine-bg);border-radius:6px;padding:3px 8px;margin-bottom:14px}
.card h3{font-size:1.25rem;margin-bottom:8px}
.card p{color:var(--ink-2);font-size:.96rem;flex:1}
.card .more{margin-top:14px;font-weight:700;color:var(--key-d)}

.faq{max-width:820px}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:18px;font-weight:700;font-size:1.08rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:28px;height:28px;border-radius:50%;border:1.5px solid var(--line-2);display:grid;place-items:center;font-weight:500;line-height:1}
.faq details[open] summary::after{content:"−";background:var(--ink);color:#fff;border-color:var(--ink)}
.faq p{margin-top:10px;color:var(--ink-2);max-width:720px}

.final{padding:72px 0;background:var(--key);color:#fff;position:relative;overflow:hidden}
.final .wrap{display:grid;grid-template-columns:1fr 480px;gap:40px;align-items:center}
.final h2{font-size:clamp(1.9rem,4vw,2.8rem)}
.final h2 em{color:var(--ink)}
.final p{color:#FFE7DC;margin-top:10px;font-size:1.08rem}
.final .zip-row{border-color:var(--ink)}
.final .zip-btn{background:var(--ink)}.final .zip-btn:hover{background:#000}
.final .zip-note{color:#FFE7DC}
.final .zip-error{color:#fff}

/* footer */
.site-footer{background:var(--ink);color:#B6C8C1;padding:60px 0 34px;font-size:.94rem}
.site-footer a{color:#E8F0EC;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .brand{color:#fff}
.site-footer .brand svg rect{fill:#24453C}
.site-footer .brand .wm span{color:var(--brass)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-grid p{margin-top:12px;max-width:360px}
.foot-grid h4{color:#fff;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
.foot-grid ul{list-style:none;display:grid;gap:8px}
.legal{padding-top:24px;font-size:.82rem;line-height:1.55;color:#93A9A1}
.legal p+p{margin-top:10px}

/* inner pages */
.crumbs{font-size:.88rem;color:var(--muted);padding-top:34px}
.crumbs a{color:var(--muted)}
.page-head{padding:16px 0 30px;border-bottom:1px solid var(--line);margin-bottom:34px}
.page-head h1{font-size:clamp(2.1rem,4.6vw,3.2rem);margin-bottom:10px}
.page-head p{color:var(--ink-2);font-size:1.1rem;max-width:700px}
.page-head .meta{font-size:.92rem;color:var(--muted)}
.page-body{display:grid;grid-template-columns:1fr 320px;gap:56px;padding-bottom:80px;align-items:start}
.prose{max-width:720px}
.prose h2{font-size:1.6rem;margin:36px 0 12px}
.prose h3{font-family:var(--body);font-weight:700;font-size:1.12rem;letter-spacing:0;margin:24px 0 8px}
.prose p,.prose li{color:var(--ink-2)}
.prose p{margin-bottom:14px}
.prose ul,.prose ol{padding-left:22px;margin-bottom:16px}
.prose li{margin-bottom:6px}
.prose strong{color:var(--ink)}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 20px;font-size:.96rem}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--pine-bg);color:var(--ink)}
.note{background:var(--key-bg);border-left:4px solid var(--key);border-radius:8px;padding:14px 16px;margin:20px 0}
.note p{margin:0;color:var(--ink)}
.side{position:sticky;top:96px;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.side h3{font-size:1.3rem;margin-bottom:8px}
.side p{color:var(--ink-2);font-size:.96rem;margin-bottom:16px}
.side .zip-row{flex-direction:column}
.side .zip-btn{padding:12px}
.legal-doc{padding-bottom:80px}
.toc{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:20px 24px;margin-bottom:30px;max-width:720px}
.toc ol{padding-left:20px;columns:2;column-gap:30px}
.toc li{margin-bottom:4px;font-size:.95rem}
.guide-list{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding-bottom:80px}

/* lander */
.lp-header{background:var(--white);border-bottom:1px solid var(--line)}
.lp-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.lp-header .tag{display:inline-flex;align-items:center;gap:6px;font-size:.86rem;font-weight:600;color:var(--pine)}
.lp-header .tag svg{width:16px;height:16px}
.lp-footer{padding:34px 0 40px;font-size:.8rem;color:var(--muted);line-height:1.55;border-top:1px solid var(--line);background:var(--white)}
.lp-footer .links{display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:14px}
.lp-footer .links a{color:var(--ink-2);font-weight:600}
.lp-footer p+p{margin-top:8px}

@media (max-width:960px){
  .hero .wrap,.split,.final .wrap,.page-body{grid-template-columns:1fr}
  .hero{padding:38px 0 60px}
  .letter{max-width:520px}
  .path,.cards,.guide-list{grid-template-columns:1fr}
  .checklist{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .side{position:static}
  .block{padding:60px 0}
}
@media (max-width:760px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--white);border-bottom:1px solid var(--line);padding:8px 22px 18px}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav .nav-cta{margin-top:12px;text-align:center;border:0}
  .foot-grid{grid-template-columns:1fr}
  .toc ol{columns:1}
  .keytag{left:auto;right:12px;bottom:-18px}
}
@media (max-width:440px){
  .zip-row{flex-direction:column}
  .zip-btn{padding:13px}
  body{font-size:16px}
}

/* illustrations + video */
.card .thumb{mix-blend-mode:multiply;display:block;height:auto;width:calc(100% + 48px);margin:-24px -24px 18px;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r) var(--r) 0 0;background:var(--bg)}
.lead-img{mix-blend-mode:multiply;display:block;width:100%;max-width:760px;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:18px;margin:-6px 0 36px;background:var(--bg)}
.hiw{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.path-v{grid-template-columns:1fr;gap:12px}
.path-v li{display:grid;grid-template-columns:40px 1fr;column-gap:16px;padding:18px 20px}
.path-v li::before{grid-row:span 2;margin:0}
.path-v h3{font-size:1.15rem;margin-bottom:2px}
.vidwrap{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line);background:var(--bg);aspect-ratio:16/9}
.vidwrap video{display:block;width:100%;height:100%;object-fit:cover}
.lp-ill-row{display:grid;grid-template-columns:1fr 300px;gap:30px;align-items:center;margin-bottom:10px}
.lp-ill-row .sec-head{margin-bottom:0}
.lp-ill{width:100%;height:auto;mix-blend-mode:multiply}
@media (max-width:960px){.hiw{grid-template-columns:1fr;gap:30px}.lp-ill-row{grid-template-columns:1fr 160px;gap:16px}}