/* ============================================================
   VERTU INSURANCE GROUP — global stylesheet
   Palette: ink navy / paper / champagne bronze
   Type: Marcellus (display) · IBM Plex Sans (body) · IBM Plex Mono (labels)
   ============================================================ */

:root{
  --ink:#0E3E5F;
  --sea:#0075B4;
  --paper:#F4F7F9;
  --white:#FFFFFF;
  --slate:#54565A;
  --mist:#939598;
  --bronze:#0075B4;
  --bronze-soft:#7FC2E9;
  --line:#E1E6EA;
  --line-ink:rgba(255,255,255,.16);
  --max:1180px;
  --display:'Marcellus', 'Noto Serif SC', 'Songti SC', 'SimSun', serif;
  --body:'IBM Plex Sans', 'PingFang SC', 'Microsoft YaHei', 'Noto Sans SC', sans-serif;
  --mono:'IBM Plex Mono', 'SFMono-Regular', Consolas, monospace;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--body);
  color:var(--slate);
  background:var(--white);
  font-size:16.5px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

.wrap{max-width:var(--max);margin:0 auto;padding:0 28px}

/* ---------- typography ---------- */
h1,h2,h3,.display{font-family:var(--display);font-weight:400;line-height:1.14;letter-spacing:.005em;color:#3F4144}
h1{font-size:clamp(2.3rem,4.6vw,3.7rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem)}
h3{font-size:1.28rem;line-height:1.3}
.lead{font-size:1.13rem;color:var(--slate);max-width:46em}

.eyebrow{
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:var(--bronze);
  display:flex;align-items:center;gap:14px;
  margin-bottom:1.1rem;
}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--bronze)}
.eyebrow.center{justify-content:center}
.eyebrow.center::after{content:"";width:34px;height:1px;background:var(--bronze)}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.94);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-in{
  display:flex;align-items:center;justify-content:space-between;
  height:76px;
}
.brand{display:flex;align-items:center;gap:10px}
.brand img{height:44px;width:auto;display:block}
.brand .mark{
  font-family:var(--display);
  font-size:1.5rem;letter-spacing:.12em;
}
.brand .mark span{color:var(--bronze)}
.brand .tag{
  font-family:var(--mono);font-size:.62rem;letter-spacing:.24em;
  text-transform:uppercase;color:var(--mist);
}
nav.main{display:flex;gap:34px;align-items:center}
nav.main a{
  font-size:.92rem;color:var(--slate);
  padding:6px 0;border-bottom:2px solid transparent;
  transition:color .2s,border-color .2s;
}
nav.main a:hover{color:var(--ink)}
nav.main a.active{color:var(--ink);border-color:var(--bronze)}
.nav-cta{
  font-size:.88rem;
  border:1px solid var(--ink);
  padding:9px 20px;
  transition:background .2s,color .2s;
}
.nav-cta:hover{background:var(--ink);color:var(--white)}

/* language switch */
.lang-switch{
  display:flex;border:1px solid var(--line);
  font-family:var(--mono);font-size:.7rem;
}
.lang-switch button{
  border:0;background:none;cursor:pointer;
  padding:7px 11px;color:var(--mist);
  font-family:inherit;font-size:inherit;letter-spacing:.06em;
}
.lang-switch button+button{border-left:1px solid var(--line)}
.lang-switch button.on{background:var(--ink);color:var(--white)}

/* mobile nav */
.menu-btn{display:none;border:0;background:none;cursor:pointer;padding:8px}
.menu-btn span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0}

/* ---------- hero ---------- */
.hero{
  background:var(--ink);color:var(--white);
  position:relative;overflow:hidden;
}
.hero .meridian{
  position:absolute;inset:0;pointer-events:none;opacity:.5;
}
.hero-in{
  position:relative;
  padding:110px 0 96px;
  max-width:760px;
}
.hero h1{color:var(--white);margin-bottom:1.3rem}
.hero .lead{color:#C3D7E4;margin-bottom:2.4rem}
.hero .eyebrow{color:var(--bronze-soft)}
.hero .eyebrow::before{background:var(--bronze-soft)}
.btn-row{display:flex;gap:16px;flex-wrap:wrap}
.btn{
  display:inline-block;padding:14px 30px;
  font-size:.95rem;letter-spacing:.02em;
  border:1px solid transparent;
  transition:all .2s;
}
.btn.solid{background:var(--bronze);color:#FFFFFF;border-color:var(--bronze)}
.btn.solid:hover{background:#008AD1;border-color:#008AD1}
.btn.ghost{border-color:rgba(255,255,255,.4);color:var(--white)}
.btn.ghost:hover{border-color:var(--white)}
.btn.dark{border-color:var(--ink);color:var(--ink)}
.btn.dark:hover{background:var(--ink);color:var(--white)}

/* hero strip of regions */
.hero-strip{
  position:relative;
  border-top:1px solid var(--line-ink);
  padding:22px 0;
}
.hero-strip .wrap{
  display:flex;gap:14px 34px;flex-wrap:wrap;
  font-family:var(--mono);font-size:.72rem;letter-spacing:.16em;
  text-transform:uppercase;color:#8FA2AD;
}
.hero-strip .wrap span b{color:var(--bronze-soft);font-weight:500;margin-right:8px}

/* ---------- lloyd's band ---------- */
.lloyds{
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.lloyds-in{
  display:grid;grid-template-columns:1.05fr .95fr;gap:70px;
  padding:88px 0;align-items:center;
}
.lloyds h2{margin-bottom:1.1rem}
.lloyds p{color:var(--slate);margin-bottom:1rem}
.lloyds-card{
  background:var(--ink);color:var(--white);
  padding:44px 42px;
  position:relative;
}
.lloyds-card::after{
  content:"";position:absolute;top:14px;left:14px;right:-14px;bottom:-14px;
  border:1px solid var(--bronze);z-index:-1;
}
.lloyds-card .kicker{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.22em;
  text-transform:uppercase;color:var(--bronze-soft);margin-bottom:18px;
}
.lloyds-card .big{
  font-family:var(--display);font-size:1.7rem;line-height:1.25;margin-bottom:14px;
}
.lloyds-card p{color:#AFBEC7;font-size:.95rem;margin:0}

/* ---------- practice lines ---------- */
.section{padding:96px 0}
.section.tint{background:var(--paper)}
.section-head{max-width:640px;margin-bottom:56px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head h2{margin-bottom:.9rem}
.section-head p{color:var(--slate)}

.lines-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;
  background:var(--line);border:1px solid var(--line);
}
.line-card{
  background:var(--white);padding:44px 36px 48px;
  display:flex;flex-direction:column;
  transition:background .25s;
}
.line-card:hover{background:var(--paper)}
.line-card .idx{
  font-family:var(--mono);font-size:.7rem;letter-spacing:.2em;
  color:var(--bronze);margin-bottom:26px;
}
.line-card h3{margin-bottom:.8rem}
.line-card p{color:var(--slate);font-size:.95rem;flex:1}
.line-card .more{
  margin-top:26px;font-size:.88rem;color:var(--ink);
  display:inline-flex;align-items:center;gap:8px;
}
.line-card .more::after{content:"→";color:var(--bronze);transition:transform .2s}
.line-card:hover .more::after{transform:translateX(4px)}
.line-card.wide{grid-column:span 2}

/* ---------- reach (home teaser + full page) ---------- */
.reach-ledger{border-top:1px solid var(--line)}
.region-row{
  display:grid;grid-template-columns:150px 260px 1fr;gap:30px;
  padding:34px 0;border-bottom:1px solid var(--line);
  align-items:baseline;
}
.region-row .code{
  font-family:var(--mono);font-size:.72rem;letter-spacing:.18em;
  color:var(--bronze);text-transform:uppercase;
}
.region-row h3{font-size:1.35rem}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{
  font-size:.83rem;color:var(--slate);
  border:1px solid var(--line);
  padding:6px 14px;border-radius:2px;
  background:var(--white);
}
.chip.hi{border-color:var(--bronze);color:#0E3E5F;background:#EAF4FB}
.region-note{grid-column:2/4;font-size:.9rem;color:var(--mist);margin-top:6px}

/* ---------- stats / about ---------- */
.split{
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;
}
.facts{display:grid;gap:0;border-top:1px solid var(--line)}
.fact{
  padding:26px 0;border-bottom:1px solid var(--line);
  display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:baseline;
}
.fact .n{
  font-family:var(--display);font-size:2rem;color:var(--bronze);min-width:90px;
}
.fact p{color:var(--slate);font-size:.95rem}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);color:var(--white)}
.cta-in{
  padding:84px 0;text-align:center;max-width:680px;margin:0 auto;
}
.cta-in h2{color:var(--white);margin-bottom:1rem}
.cta-in p{color:#C3D7E4;margin-bottom:2.2rem}

/* ---------- services page ---------- */
.page-hero{
  background:var(--ink);color:var(--white);
  padding:84px 0 70px;
}
.page-hero h1{color:var(--white);max-width:15em}
.page-hero .lead{color:#C3D7E4;margin-top:1.1rem}
.page-hero .eyebrow{color:var(--bronze-soft)}
.page-hero .eyebrow::before{background:var(--bronze-soft)}

.svc-block{
  display:grid;grid-template-columns:320px 1fr;gap:70px;
  padding:74px 0;border-bottom:1px solid var(--line);
}
.svc-block:last-child{border-bottom:0}
.svc-block .side .code{
  font-family:var(--mono);font-size:.72rem;letter-spacing:.2em;
  color:var(--bronze);text-transform:uppercase;margin-bottom:16px;display:block;
}
.svc-block h2{font-size:1.9rem}
.svc-block .body p{color:var(--slate);margin-bottom:1.1rem}
.svc-list{margin-top:1.4rem;display:grid;grid-template-columns:1fr 1fr;gap:10px 30px}
.svc-list li{
  font-size:.93rem;color:var(--ink);
  padding-left:20px;position:relative;
}
.svc-list li::before{
  content:"";position:absolute;left:0;top:.62em;
  width:8px;height:1px;background:var(--bronze);
}

/* ---------- contact ---------- */
.contact-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:80px;padding:90px 0;
}
.contact-grid h2{margin-bottom:1rem}
.contact-grid .lead{margin-bottom:2rem}
.c-item{padding:20px 0;border-top:1px solid var(--line)}
.c-item .lbl{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.2em;
  text-transform:uppercase;color:var(--mist);margin-bottom:6px;
}
.c-item .val{font-size:1.05rem}
form .field{margin-bottom:22px}
form label{
  display:block;font-family:var(--mono);font-size:.68rem;
  letter-spacing:.18em;text-transform:uppercase;color:var(--slate);
  margin-bottom:8px;
}
form input,form textarea,form select{
  width:100%;border:1px solid var(--line);
  padding:13px 15px;font-family:var(--body);font-size:.98rem;
  background:var(--paper);color:var(--ink);
}
form input:focus,form textarea:focus,form select:focus{
  outline:2px solid var(--bronze);outline-offset:0;border-color:var(--bronze);
}

/* ---------- footer ---------- */
footer{background:#123A55;color:#A9BCCA;font-size:.9rem}
.foot-in{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:50px;
  padding:70px 0 50px;
}
.foot-in .brand .mark{color:var(--white)}
.foot-in p{margin-top:14px;max-width:30em;color:#8FA2AD;font-size:.88rem}
.foot-in h4{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.2em;
  text-transform:uppercase;color:var(--bronze-soft);margin-bottom:18px;font-weight:500;
}
.foot-in li{margin-bottom:10px}
.foot-in a:hover{color:var(--white)}
.foot-base{
  border-top:1px solid var(--line-ink);
  padding:24px 0;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;
  font-size:.8rem;color:#7A8E99;
}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

/* ---------- responsive ---------- */
@media (max-width:1120px){
  .lines-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:980px){
  .line-card.wide{grid-column:auto}
  .lloyds-in,.split,.contact-grid{grid-template-columns:1fr;gap:50px}
  .lines-grid{grid-template-columns:1fr}
  .svc-block{grid-template-columns:1fr;gap:24px;padding:56px 0}
  .region-row{grid-template-columns:1fr;gap:10px}
  .region-note{grid-column:1}
  .foot-in{grid-template-columns:1fr 1fr;gap:40px}
}
@media (max-width:820px){
  nav.main{
    display:none;position:absolute;top:76px;left:0;right:0;
    background:var(--white);flex-direction:column;gap:0;
    border-bottom:1px solid var(--line);padding:10px 0;
  }
  nav.main.open{display:flex}
  nav.main a{padding:14px 28px;width:100%;border-bottom:0}
  .menu-btn{display:block}
  .hero-in{padding:80px 0 70px}
}

/* ---------- hero map ---------- */
.hero-grid{
  position:relative;
  display:grid;grid-template-columns:1.02fr 1fr;gap:56px;align-items:center;
  padding:84px 0 72px;
}
.hero-grid .hero-in{padding:0;max-width:none}
.hero-map svg{width:100%;height:auto;display:block}
.hero-map{min-width:0}
@media (max-width:1120px){
  .lines-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:980px){
  .line-card.wide{grid-column:auto}
  .hero-grid{grid-template-columns:1fr;gap:44px;padding:70px 0 60px}
}

/* ---------- photo system ---------- */
.page-hero.has-img{
  background-image:linear-gradient(rgba(9,38,60,.86),rgba(9,38,60,.86)),var(--hero-img);
  background-size:cover;background-position:center;
}
.card-img{
  width:100%;height:150px;object-fit:cover;display:block;
  margin:-44px -36px 26px;width:calc(100% + 72px);
  filter:saturate(.85);
}
.line-card{overflow:hidden}

/* ---------- hero video loop ---------- */
.hero{position:relative;overflow:hidden}
.hero-video{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;z-index:0;
}
.hero::after{
  content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(rgba(9,38,60,.70),rgba(9,38,60,.76));
  pointer-events:none;
}
.hero .wrap, .hero .hero-strip{position:relative;z-index:2}
.hero:not(.has-video)::after{display:none}
.reach-map{margin-bottom:56px}
.reach-map svg{width:100%;height:auto;display:block;background:var(--ink)}