/* PANKAJ BHATIA MOBILE-FIRST HOME PAGE | standalone HTML, CSS and small vanilla JS
       Developer: integrate actual Insurance Quotes Cloud entry endpoints in QUOTE_CONFIG below.
       Replace the profile illustration with an approved photograph before deployment.
       Do not use a results endpoint without the required session and form data. */
    :root{--ink:#0b1f3a;--ink2:#233d50;--cream:#fbfaf7;--white:#fff;--sea:#c62828;--sea-dark:#9c2020;--mint:#f9e7e7;--lime:#d9f0d9;--peach:#fbebe1;--coral:#dc725a;--gold:#dfb46a;--light:#f2f6f5;--line:#e1e9e7;--muted:#587078;--shadow:0 20px 60px rgba(14,47,53,.10);--radius:24px;--max:1180px}
    *{box-sizing:border-box}
    html{scroll-behavior:smooth;scroll-padding-top:90px}
    body{margin:0;background:var(--white);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
    button,input,select{font:inherit}
    button,a{-webkit-tap-highlight-color:transparent}
    a{color:inherit;text-decoration:none}
    button{cursor:pointer}
    img{max-width:100%;height:auto}
    svg{display:block;flex-shrink:0}
    .icon{height:21px;width:21px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .icon-sm{width:17px;height:17px}
    .icon-lg{width:29px;height:29px}
    :focus-visible{outline:3px solid #e6ac52;outline-offset:4px}
    .skip-link{position:absolute;z-index:1000;left:14px;top:-70px;padding:12px;background:#fff;border-radius:8px}
    .skip-link:focus{top:12px}
    .container{max-width:var(--max);margin:0 auto;padding-left:24px;padding-right:24px}
    .eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:.73rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--sea)}
    .eyebrow .line{height:2px;width:26px;background:currentColor;display:inline-block}
    .section{padding:100px 0}
    .section-head{max-width:660px;margin-bottom:35px}
    .section-head h2{margin:10px 0 13px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.05rem,4.1vw,3.5rem);line-height:1.1;letter-spacing:-.035em;font-weight:500}
    .section-head p{color:var(--muted);margin:0;max-width:670px;font-size:1.06rem}
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:12px;padding:14px 20px;min-height:50px;font-weight:750;font-size:.93rem;border:1px solid transparent;transition:background .2s,transform .2s,box-shadow .2s;text-align:center;line-height:1.25}
    .btn:hover{transform:translateY(-2px)}
    .btn-primary{background:var(--sea);color:#fff;box-shadow:0 10px 22px rgba(198,40,40,.18)}
    .btn-primary:hover{background:var(--sea-dark)}
    .btn-dark{background:var(--ink);color:#fff}
    .btn-dark:hover{background:#244b5d}
    .btn-outline{border-color:#bbcecb;background:#fff;color:var(--ink)}
    .btn-outline:hover{background:#f4f8f6}
    .btn-light{background:#fff;color:var(--ink)}
    .btn-white-ghost{border:1px solid rgba(255,255,255,.48);color:white;background:transparent}
    .btn-full{width:100%}
    .btn .icon{width:19px;height:19px}
    .top-strip{background:var(--ink);color:#d6e2e2;font-size:.79rem}
    .top-strip .container{display:flex;justify-content:space-between;align-items:center;min-height:37px;gap:14px}
    .top-strip a{color:#fff;font-weight:700;display:flex;gap:8px;align-items:center}
    .dot{width:7px;height:7px;border-radius:50%;background:#8bd0aa;display:inline-block;flex-shrink:0}
    .header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.975);box-shadow:0 1px 0 #e9efec;backdrop-filter:blur(15px)}
    .header-row{height:78px;display:flex;align-items:center;justify-content:space-between;gap:26px}
    .brand{display:inline-flex;align-items:center;gap:11px;min-width:0}
    .brand-mark{width:43px;height:43px;border-radius:13px;background:var(--ink);color:white;display:grid;place-items:center;font-family:Georgia,serif;font-size:29px;font-style:italic;box-shadow:inset -5px -4px 0 rgba(255,255,255,.10);flex-shrink:0}
    .brand strong{font-family:Georgia,serif;font-weight:600;letter-spacing:-.045em;font-size:1.65rem;line-height:1;white-space:nowrap;display:block}
    .brand small{font-size:.57rem;letter-spacing:.19em;font-weight:800;color:var(--sea);display:block;margin-top:6px;text-transform:uppercase}
    .desktop-nav{display:flex;align-items:center;gap:23px}
    .desktop-nav a{font-weight:700;font-size:.84rem;color:#394d55;transition:color .2s}
    .desktop-nav a:hover{color:var(--sea)}
    .header-actions{display:flex;gap:10px;align-items:center}
    .header-actions .btn{min-height:44px;font-size:.85rem;padding:12px 15px}
    .mobile-toggle{display:none;background:#edf4f1;border:0;border-radius:12px;width:47px;height:47px;align-items:center;justify-content:center;color:var(--ink)}
    .mobile-nav{display:none;background:#fff;border-top:1px solid var(--line);padding:14px 24px 23px}
    .mobile-nav a{padding:13px 8px;border-bottom:1px solid #edf1ef;display:block;font-weight:750}
    .mobile-nav .btn{margin-top:17px;color:white}
    .mobile-nav[hidden]{display:none!important}
    .hero{position:relative;overflow:hidden;background:linear-gradient(128deg,#faf9f5 0%,#eff7f2 72%,#f4f4ec 100%)}
    .hero::before{content:"";position:absolute;width:450px;height:450px;border-radius:50%;border:1px solid rgba(198,40,40,.12);right:-180px;top:-190px;box-shadow:0 0 0 70px rgba(198,40,40,.025),0 0 0 145px rgba(198,40,40,.025);pointer-events:none}
    .hero-inner{padding-top:82px;padding-bottom:84px;position:relative;display:grid;grid-template-columns:1.04fr .96fr;gap:6%;align-items:center}
    .hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;line-height:1.055;letter-spacing:-.047em;font-size:clamp(3.0rem,5.4vw,5.15rem);margin:17px 0 22px;max-width:700px}
    .hero h1 em{font-style:italic;color:var(--sea);white-space:normal}
    .hero-copy>p{max-width:510px;font-size:1.12rem;color:#4f656c;margin:0 0 29px}
    .hero-buttons{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
    .hero-info{margin-top:30px;display:flex;gap:19px;align-items:center;flex-wrap:wrap}
    .hero-info span{display:flex;align-items:center;gap:8px;font-size:.84rem;color:#455c61;font-weight:650}
    .hero-info .icon{color:var(--sea);width:18px;height:18px}
    .quote-shell{position:relative;max-width:495px;width:100%;justify-self:end}
    .quote-shell::before{content:"";position:absolute;inset:22px -16px -17px 16px;border-radius:27px;background:#cee4dc;transform:rotate(3deg);opacity:.8}
    .quote-card{position:relative;box-shadow:var(--shadow);border:1px solid rgba(10,100,92,.08);background:#fff;border-radius:26px;padding:30px}
    .quote-card-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px}
    .quote-label{font-size:.72rem;text-transform:uppercase;font-weight:900;letter-spacing:.13em;color:var(--sea)}
    .quote-card h2{font-family:Georgia,serif;font-size:2rem;line-height:1.16;letter-spacing:-.03em;font-weight:500;margin:0 0 8px}
    .quote-card .subtext{font-size:.87rem;color:var(--muted);margin:0 0 22px}
    .steps-tiny{font-size:.72rem;background:#eef6f2;border-radius:30px;padding:7px 10px;font-weight:800;color:var(--sea);white-space:nowrap}
    .choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:18px}
    .quote-option{min-height:85px;display:flex;align-items:flex-start;justify-content:space-between;text-align:left;background:#fbfcfb;border:1.5px solid #e4ebe8;border-radius:15px;padding:14px;gap:10px;transition:.18s;position:relative;color:var(--ink)}
    .quote-option span{font-weight:750;font-size:.85rem;line-height:1.35}
    .quote-option .icon{width:22px;height:22px;color:var(--sea)}
    .quote-option.active{background:#eaf6f0;border-color:var(--sea);box-shadow:0 0 0 1px var(--sea)}
    .quote-option.active:after{content:"✓";background:var(--sea);border-radius:50%;color:#fff;position:absolute;right:10px;bottom:10px;font-weight:800;font-size:.67rem;height:19px;width:19px;display:grid;place-items:center}
    .field-label{font-size:.76rem;letter-spacing:.02em;font-weight:750;display:block;margin:0 0 8px}
    .quote-field{background:#fff;border:1px solid #cbdad6;border-radius:12px;padding:0 13px;height:52px;width:100%;font-size:1rem;color:var(--ink);outline-offset:3px;margin-bottom:14px}
    .quote-note{font-size:.72rem;color:#667b7e;margin:11px 0 0;text-align:center}
    .quote-mini{display:flex;gap:8px;align-items:center;color:var(--muted);margin-top:14px;font-size:.74rem;line-height:1.4}
    .quote-mini .icon{color:var(--sea)}
    .proof{padding:23px 0;border-bottom:1px solid var(--line);background:#fff}
    .proof-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .proof-item{display:flex;align-items:center;gap:13px;justify-content:center;min-width:0}
    .proof-icon{width:45px;height:45px;flex-shrink:0;display:grid;place-items:center;background:#eff7f3;color:var(--sea);border-radius:14px}
    .proof-item strong{display:block;font-size:.92rem;line-height:1.3}
    .proof-item small{display:block;color:var(--muted);font-size:.75rem;margin-top:3px}
    .services{background:white}
    .services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
    .service-card{border:1px solid var(--line);border-radius:20px;padding:25px;background:#fff;display:flex;flex-direction:column;min-height:245px;transition:transform .25s,box-shadow .25s,border-color .25s}
    .service-card:hover{transform:translateY(-5px);border-color:#bfd5cb;box-shadow:0 15px 30px rgba(18,58,57,.08)}
    .service-card .service-icon{height:54px;width:54px;border-radius:17px;background:var(--mint);color:var(--sea);display:grid;place-items:center;margin-bottom:18px}
    .service-card:nth-child(2) .service-icon,.service-card:nth-child(5) .service-icon{background:#fff0e6;color:#c16c4f}
    .service-card:nth-child(3) .service-icon,.service-card:nth-child(6) .service-icon{background:#eef0fd;color:#7078ad}
    .service-card h3{font-size:1.15rem;line-height:1.25;margin:0 0 9px;letter-spacing:-.015em}
    .service-card p{margin:0 0 20px;color:var(--muted);font-size:.88rem;line-height:1.65}
    .service-card .text-link{font-size:.86rem;font-weight:800;color:var(--sea);display:inline-flex;align-items:center;gap:7px;margin-top:auto}
    .how{background:var(--light)}
    .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .step{position:relative;padding:27px;border-radius:22px;background:#fff;border:1px solid #e2eae7}
    .step-num{display:flex;justify-content:space-between;align-items:center;gap:9px}
    .step-num b{font-family:Georgia,serif;color:#c4dad1;font-size:2.6rem;font-weight:400;line-height:1}
    .step-num .icon{color:var(--sea);width:32px;height:32px}
    .step h3{font-size:1.09rem;line-height:1.3;margin:16px 0 8px}
    .step p{margin:0;font-size:.9rem;color:var(--muted)}
    .about-layout{display:grid;grid-template-columns:.92fr 1.08fr;align-items:center;gap:7%}
    .portrait-frame{position:relative;min-height:430px;border-radius:27px;background:linear-gradient(140deg,#d7eee3 5%,#f9e1ce 93%);overflow:hidden;display:flex;align-items:center;justify-content:center}
    .portrait-frame:before{content:"";position:absolute;width:300px;height:300px;border:1px solid rgba(12,85,78,.16);border-radius:50%;top:34px;right:-85px;box-shadow:0 0 0 48px rgba(255,255,255,.12),0 0 0 105px rgba(255,255,255,.11)}
    .portrait-initial{height:280px;width:280px;display:grid;place-items:center;border:3px solid rgba(255,255,255,.9);border-radius:50%;color:#39695d;background:rgba(255,255,255,.21);font-family:Georgia,serif;font-size:10rem;font-style:italic}
    .portrait-caption{position:absolute;bottom:23px;left:24px;right:24px;border-radius:17px;padding:14px 17px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px)}
    .portrait-caption strong{display:block;font-family:Georgia,serif;font-size:1.33rem;line-height:1.2}
    .portrait-caption small{color:#5c7074;font-size:.8rem}
    .about h2{font-family:Georgia,serif;font-weight:500;font-size:clamp(2.3rem,4vw,3.5rem);line-height:1.12;margin:13px 0 19px;letter-spacing:-.03em}
    .about p{color:var(--muted);margin:0 0 17px}
    .about-checks{list-style:none;padding:0;margin:21px 0 27px;display:grid;gap:13px}
    .about-checks li{display:flex;gap:10px;align-items:flex-start;font-weight:680;font-size:.91rem}
    .about-checks .icon{color:var(--sea);width:19px;height:19px;margin-top:3px}
    .review-section{background:#fbfaf7}
    .review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
    .review{background:#fff;border:1px solid #ecebe6;border-radius:22px;padding:31px;display:flex;flex-direction:column;gap:20px;min-height:216px}
    .review .quote-mark{font-family:Georgia,serif;color:#d1a564;font-size:3.3rem;line-height:.6}
    .review blockquote{padding:0;margin:0;font-family:Georgia,serif;letter-spacing:-.015em;font-size:1.29rem;line-height:1.42;color:var(--ink)}
    .review .attribution{color:var(--sea);font-size:.83rem;font-weight:800;margin-top:auto}
    .review-sub{color:var(--muted);font-size:.82rem;margin:15px 0 0}
    .faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:7%}
    .faq-layout .section-head{position:sticky;top:130px;align-self:start}
    .faq-list{border-top:1px solid var(--line)}
    .faq-list details{padding:21px 0;border-bottom:1px solid var(--line)}
    .faq-list summary{list-style:none;display:flex;gap:10px;justify-content:space-between;align-items:center;font-weight:780;line-height:1.38;cursor:pointer;outline-offset:5px}
    .faq-list summary::-webkit-details-marker{display:none}
    .faq-list summary:after{content:"+";font-size:1.6rem;font-weight:350;line-height:1;color:var(--sea);flex-shrink:0}
    .faq-list details[open] summary:after{content:"−"}
    .faq-list details p{font-size:.93rem;color:var(--muted);line-height:1.8;padding:0 25px 0 0;margin:13px 0 0}
    .faq-list details a{color:var(--sea);text-decoration:underline;text-underline-offset:3px}
    .bottom-cta{background:var(--ink);position:relative;overflow:hidden;color:#fff;padding:65px 0}
    .bottom-cta::before{content:"";position:absolute;right:-70px;bottom:-190px;width:500px;height:500px;border-radius:50%;border:1px solid rgba(255,255,255,.15);box-shadow:0 0 0 75px rgba(255,255,255,.025),0 0 0 155px rgba(255,255,255,.018)}
    .cta-layout{display:flex;align-items:center;justify-content:space-between;gap:40px;position:relative}
    .cta-layout h2{font-family:Georgia,serif;font-weight:500;font-size:clamp(2rem,4vw,3.25rem);line-height:1.15;letter-spacing:-.035em;margin:6px 0 14px;max-width:590px}
    .cta-layout p{max-width:600px;color:#c7d7d8;margin:0}
    .cta-layout .eyebrow{color:#a8e3c2}
    .cta-buttons{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end;flex-shrink:0}
    .site-footer{background:#102438;color:#d1dbdb;padding:64px 0 26px}
    .footer-layout{display:grid;grid-template-columns:1.4fr .8fr 1fr;gap:60px}
    .site-footer .brand strong{color:#fff}
    .site-footer .brand-mark{background:#fff;color:var(--ink)}
    .site-footer .brand small{color:#90d1ba}
    .site-footer p{color:#becbce;font-size:.88rem;line-height:1.8;margin:20px 0 0}
    .site-footer h3{font-size:.87rem;text-transform:uppercase;letter-spacing:.12em;color:#fff;margin:2px 0 19px}
    .site-footer ul{padding:0;margin:0;list-style:none;display:grid;gap:11px}
    .site-footer ul li,.site-footer ul a{color:#becbce;font-size:.88rem}
    .site-footer a:hover{color:#fff;text-decoration:underline}
    .contact-row{display:flex;gap:9px;align-items:flex-start}
    .contact-row .icon{height:17px;width:17px;flex-shrink:0;margin-top:3px;color:#9cd8c2}
    .fineprint{padding-top:26px;margin-top:42px;border-top:1px solid #304656;display:flex;justify-content:space-between;gap:25px;align-items:center;font-size:.75rem;color:#a4b9bb}
    .fineprint a{color:#bddcce;text-decoration:underline}
    .mobile-bottom{display:none}
    .contact-modal[hidden]{display:none}
    .contact-modal{position:fixed;inset:0;background:rgba(9,27,37,.67);z-index:100;display:flex;align-items:center;justify-content:center;padding:20px}
    .modal-panel{background:#fff;max-width:470px;width:100%;border-radius:22px;padding:30px;position:relative;box-shadow:0 30px 90px rgba(0,0,0,.18)}
    .modal-panel h2{font-family:Georgia,serif;font-size:1.85rem;font-weight:500;margin:8px 0}
    .modal-panel p{color:var(--muted);font-size:.93rem;margin-bottom:22px}
    .modal-actions{display:grid;gap:10px}
    .modal-close{position:absolute;right:13px;top:13px;display:grid;place-items:center;width:40px;height:40px;border-radius:50%;border:0;background:#edf3ef}
    .status-message{font-size:.82rem;color:var(--muted);margin-top:12px}
    .small-note{font-size:.75rem;color:#75858a}
    @media(max-width:1080px){.desktop-nav{gap:13px}.desktop-nav a{font-size:.79rem}.header-actions .btn-dark{display:none}.brand strong{font-size:1.4rem}.brand-mark{width:40px;height:40px}.hero-inner{gap:4%}.quote-card{padding:24px}.hero h1{font-size:clamp(2.75rem,5vw,4.4rem)}}
    @media(max-width:860px){.desktop-nav,.header-actions .btn{display:none}.mobile-toggle{display:inline-flex}.header-row{height:70px}.mobile-nav:not([hidden]){display:block}.hero-inner{padding:59px 24px 68px;grid-template-columns:1fr;gap:35px}.hero-copy{max-width:680px}.hero h1{font-size:clamp(2.9rem,6.4vw,4.8rem);max-width:650px}.quote-shell{justify-self:stretch;max-width:680px}.quote-shell::before{inset:18px -7px -9px 8px}.proof-grid{gap:12px}.proof-item{justify-content:flex-start}.services-grid{grid-template-columns:repeat(2,1fr)}.about-layout{gap:28px}.footer-layout{gap:30px}.cta-layout{display:block}.cta-buttons{margin-top:23px;justify-content:flex-start}}
    @media(max-width:620px){html{scroll-padding-top:75px}.container{padding-left:18px;padding-right:18px}.section{padding:66px 0}.section-head{margin-bottom:27px}.section-head h2{font-size:2.2rem}.top-strip{font-size:.7rem}.top-strip .container{justify-content:center;min-height:34px}.top-strip .top-left{display:none}.header-row{height:66px}.brand strong{font-size:1.4rem}.brand small{font-size:.48rem;letter-spacing:.16em;margin-top:5px}.brand-mark{height:39px;width:39px;font-size:25px;border-radius:10px}.hero-inner{padding:48px 18px 50px;gap:30px}.hero h1{font-size:clamp(2.65rem,10.6vw,3.6rem);line-height:1.1;margin:12px 0 15px}.hero-copy>p{font-size:1rem;margin-bottom:22px}.hero-buttons{display:grid;grid-template-columns:1fr 1fr;gap:9px}.hero-buttons .btn{padding:11px 9px;font-size:.77rem;min-height:49px}.hero-info{gap:8px 17px;margin-top:21px}.hero-info span{font-size:.72rem}.quote-card{padding:21px 17px 20px;border-radius:20px}.quote-shell::before{border-radius:21px;inset:12px -4px -7px 8px}.quote-card h2{font-size:1.68rem}.quote-card .subtext{font-size:.82rem;margin-bottom:17px}.quote-option{min-height:76px;padding:12px}.quote-option span{font-size:.79rem}.quote-option .icon{width:20px;height:20px}.proof{padding:23px 0}.proof-grid{grid-template-columns:1fr;gap:15px}.proof-icon{height:40px;width:40px}.proof-item strong{font-size:.88rem}.proof-item small{font-size:.72rem}.services-grid{grid-template-columns:1fr;gap:12px}.service-card{min-height:unset;padding:22px}.service-card h3{font-size:1.09rem}.service-card .service-icon{margin-bottom:14px;height:49px;width:49px}.service-card p{margin-bottom:13px}.steps{grid-template-columns:1fr;gap:11px}.step{padding:23px}.about-layout{grid-template-columns:1fr;gap:27px}.portrait-frame{min-height:345px}.portrait-initial{width:220px;height:220px;font-size:8rem}.about h2{font-size:2.26rem}.review-grid{grid-template-columns:1fr;gap:12px}.review{min-height:unset;padding:24px}.review blockquote{font-size:1.18rem}.faq-layout{grid-template-columns:1fr;gap:11px}.faq-layout .section-head{position:static;margin-bottom:8px}.faq-list details{padding:18px 0}.bottom-cta{padding:57px 0 69px}.cta-layout h2{font-size:2.2rem}.cta-buttons{display:grid;grid-template-columns:1fr 1fr}.cta-buttons .btn{padding:12px 8px;font-size:.84rem}.footer-layout{grid-template-columns:1fr 1fr;gap:36px 17px}.footer-layout>div:first-child{grid-column:1/-1}.footer-layout>div:last-child{grid-column:1/-1}.fineprint{display:block;line-height:1.9;margin-top:25px}.fineprint span{display:block}.site-footer{padding-bottom:110px}.mobile-bottom{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:55;background:#fff;border-top:1px solid #d7e4df;box-shadow:0 -12px 35px rgba(12,41,48,.1);padding:7px 10px calc(7px + env(safe-area-inset-bottom));gap:6px}.mobile-bottom a,.mobile-bottom button{border:0;background:transparent;color:#33505a;display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:53px;gap:2px;border-radius:10px;font-weight:800;font-size:.67rem}.mobile-bottom .primary-mobile{background:var(--sea);color:white}.mobile-bottom .icon{width:21px;height:21px}.modal-panel{padding:25px 21px}.modal-panel h2{font-size:1.57rem}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}