/* ================================ 1. VARIABLES ================================ */
:root{--navy:#062b55;--navy-dark:#031e3e;--navy-deep:#02172f;--gold:#d99a22;--benzido-gold:#b7862e;--white:#fff;--background:#f7f8fa;--surface:#fff;--text:#16243a;--muted:#667085;--border:#e1e5ea;--shadow:0 12px 32px rgba(2,23,47,.09);--radius:10px;--container:1320px}
/* ================================ 2. RESET ================================ */
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}body,h1,h2,h3,p{margin:0}body{min-width:320px;background:var(--white);color:var(--text);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%;height:auto}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}ul{padding-left:1.25rem}section[id]{scroll-margin-top:5rem}
/* ================================ 3. TYPOGRAPHY ================================ */
h1,h2,h3{color:var(--navy-dark);font-weight:750;line-height:1.12;letter-spacing:-.025em}h1{font-size:clamp(2.7rem,5.1vw,5rem)}h2{font-size:clamp(1.9rem,3vw,3rem)}h3{font-size:1.15rem}p{color:var(--muted)}.eyebrow{display:flex;align-items:center;gap:.75rem;color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase}.eyebrow::before{width:28px;height:2px;background:var(--gold);content:""}.eyebrow.dark{color:var(--benzido-gold)}.gold{color:var(--gold)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
/* ================================ 4. GLOBAL LAYOUT ================================ */
.container{width:min(calc(100% - 40px),var(--container));margin-inline:auto}.section{padding:88px 0}.section-sm{padding:48px 0}.section-heading{max-width:810px;margin:0 auto 42px;text-align:center}.section-heading .eyebrow{justify-content:center;margin-bottom:12px}.section-heading h2{margin-bottom:18px}.section-heading.compact{margin-bottom:32px}.split{display:flex;align-items:center;justify-content:space-between;gap:3rem}.button-row{display:flex;align-items:center;flex-wrap:wrap;gap:14px}.button{display:inline-flex;min-height:46px;align-items:center;justify-content:center;padding:.75rem 1.5rem;border:1px solid var(--gold);border-radius:6px;background:linear-gradient(135deg,var(--gold),#e8ad3e);color:var(--navy-deep);font-weight:750;box-shadow:0 5px 14px rgba(217,154,34,.18);transition:transform .18s,background .18s}.button:hover{transform:translateY(-1px)}.button-outline{border-color:rgba(255,255,255,.75);background:transparent;color:var(--white);box-shadow:none}.text-link{display:inline-flex;gap:.5rem;align-items:center;color:var(--benzido-gold);font-weight:750}.text-link span{font-size:1.35rem}.skip-link{position:fixed;z-index:999;top:8px;left:8px;padding:10px 16px;background:var(--white);color:var(--navy);transform:translateY(-150%)}.skip-link:focus{transform:none}:focus-visible{outline:3px solid #f2b53f;outline-offset:3px}
/* ================================ 5. HEADER ================================ */
.site-header{position:relative;z-index:20;background:var(--white)}.header-inner{display:flex;min-height:152px;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;align-items:center;gap:12px;color:var(--navy)}.years{display:grid;padding-right:16px;border-right:1px solid var(--border);color:var(--benzido-gold);line-height:1;text-align:center}.years b{font-size:1.5rem}.years small{margin-top:4px;font-size:.56rem;text-transform:uppercase}.brand-mark{display:grid;width:62px;height:62px;place-items:center;border:4px solid var(--navy);border-radius:13px;font-size:2.6rem;font-weight:800;line-height:1;box-shadow:inset 0 0 0 3px var(--white),inset 0 0 0 5px var(--benzido-gold)}.brand-name{font-size:2.1rem;letter-spacing:.12em;line-height:1}.brand-name small{display:block;margin-top:7px;color:var(--benzido-gold);font-size:.54rem;font-weight:700;letter-spacing:.17em;text-align:center}.header-advisors{display:grid;grid-template-columns:repeat(2,minmax(270px,1fr));gap:48px}.header-advisors div{display:grid;grid-template-columns:1fr 1fr;gap:3px 18px}.header-advisors strong,.header-advisors span{grid-column:1/-1}.header-advisors strong{color:var(--navy);font-size:1.1rem}.header-advisors span{color:var(--benzido-gold);font-size:.82rem}.header-advisors a{font-size:.8rem}.nav-toggle{display:none}
/* ================================ 6. NAVIGATION ================================ */
.main-nav{background:var(--navy-deep);color:var(--white)}.nav-inner{display:flex;min-height:56px;align-items:center;justify-content:space-between;gap:8px}.main-nav a{position:relative;padding:18px 10px;font-size:.82rem;font-weight:650}.main-nav a.active{color:var(--gold)}.main-nav a.active::after{position:absolute;right:10px;bottom:0;left:10px;height:3px;background:var(--gold);content:""}.main-nav .nav-quote{min-height:40px;padding:8px 22px;color:var(--navy-deep)}
/* ================================ 7. HERO ================================ */
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 72% 45%,rgba(20,79,116,.95),transparent 34%),linear-gradient(110deg,var(--navy-deep) 15%,#05365e 70%,#082747);color:var(--white)}.hero::after{position:absolute;top:-130px;right:4%;width:520px;height:520px;border:1px solid rgba(217,154,34,.2);border-radius:50%;content:""}.hero-inner{position:relative;z-index:1;display:flex;min-height:440px;align-items:center}.hero-copy{max-width:650px;padding:62px 0}.hero h1{margin:14px 0 20px;color:var(--white)}.hero-lead{max-width:550px;margin-bottom:28px;color:#e3e9ef;font-size:1.08rem}.trust-strip{position:relative;z-index:2;display:grid;grid-template-columns:repeat(4,1fr);padding:0 0 28px}.trust-strip div{display:grid;padding:4px 24px;border-left:1px solid rgba(255,255,255,.25)}.trust-strip div:first-child{padding-left:0;border-left:0}.trust-strip b{color:var(--white);font-size:.94rem}.trust-strip span{color:#d5dee8;font-size:.72rem}
/* ================================ 8. INSURANCE PARTNERS ================================ */
.partners{border-bottom:1px solid var(--border);background:var(--white)}.section-kicker{margin-bottom:26px;color:var(--navy);font-size:.8rem;line-height:1.15;letter-spacing:.06em;text-align:center;text-transform:uppercase}.section-kicker strong{font-size:1.05rem}.logo-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}.logo-grid div{display:grid;height:88px;place-items:center;padding:12px 22px;border:1px solid #edf0f3;border-radius:7px;background:var(--white)}.logo-grid img{width:100%;height:100%;object-fit:contain}
/* ================================ 9. SERVICES ================================ */
.services{background:var(--background)}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.service-card{overflow:hidden;border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow)}.service-card-head{display:flex;min-height:80px;align-items:center;gap:15px;padding:14px 22px;background:var(--navy);color:var(--white)}.service-card.featured .service-card-head{background:linear-gradient(120deg,#b77712,var(--gold))}.service-card-head h3{color:var(--white);font-size:1.18rem;text-transform:uppercase}.line-icon{display:grid;width:46px;height:46px;flex:0 0 46px;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font-size:1.55rem}.featured .line-icon{border-color:var(--white);color:var(--white)}.service-visual{height:150px;background-position:center;background-size:cover}.service-visual.personal{background:linear-gradient(145deg,rgba(3,30,62,.05),rgba(3,30,62,.42)),linear-gradient(25deg,#8ea47c 0 28%,#cad6df 29% 55%,#718493 56%)}.service-visual.commercial{background:repeating-linear-gradient(90deg,transparent 0 25px,rgba(255,255,255,.4) 26px 29px),linear-gradient(150deg,#b9d4de,#284b64)}.service-visual.agriculture{background:linear-gradient(#d7a148 0 32%,#705829 33% 53%,#7b8c39 54%)}.service-body{padding:22px}.service-body p{min-height:52px}.service-body ul{margin:16px 0 22px;color:var(--text);font-size:.88rem}.service-body li{margin:.35rem 0}.service-body li::marker{color:var(--gold)}
/* ================================ 10. BENEFITS ================================ */
.benefits{border-block:1px solid var(--border)}.benefit-grid{display:grid;grid-template-columns:repeat(5,1fr)}.benefit-grid article{padding:14px 22px;border-left:1px solid var(--border)}.benefit-grid article:first-child{border-left:0}.benefit-grid span{color:var(--gold);font-size:2.2rem}.benefit-grid h3{margin:8px 0;font-size:.88rem;text-transform:uppercase}.benefit-grid p{font-size:.8rem;line-height:1.5}
/* ================================ 11. ADVISORS ================================ */
.advisors{background:var(--background)}.advisor-grid{display:grid;max-width:930px;margin:auto;grid-template-columns:repeat(2,1fr);gap:24px}.advisor-card{display:flex;align-items:center;gap:22px;padding:28px;border:1px solid var(--border);border-radius:var(--radius);background:var(--white);box-shadow:var(--shadow)}.advisor-initial{display:grid;width:86px;height:86px;flex:0 0 86px;place-items:center;border:2px solid var(--gold);border-radius:50%;background:var(--navy);color:var(--white);font-size:2.2rem;font-weight:800}.advisor-card h3{font-size:1.3rem}.advisor-card .role{margin:4px 0 12px}.advisor-card a{display:block;color:var(--navy);font-size:.9rem;font-weight:650}
/* ================================ 12. CLAIMS ================================ */
.claims-callout{padding:55px 0;background:linear-gradient(110deg,#0b4168,var(--navy));color:var(--white)}.claims-callout .split>div{max-width:780px}.claims-callout h2{margin:10px 0;color:var(--white)}.claims-callout p:not(.eyebrow){color:#dbe4ec}
/* ================================ 13. CTA ================================ */
.final-cta{padding:46px 0;background:var(--navy-deep);color:var(--white)}.final-cta h2{color:var(--white)}.final-cta p{margin-top:8px;color:#bbc7d2}.final-cta .button-row{justify-content:flex-end}.petro-link{color:#dbe4ec;font-size:.85rem;text-align:center}
/* ================================ 14. FORMS / INTERNAL ================================ */
.page-hero{padding:72px 0;background:linear-gradient(120deg,var(--navy-deep),#07466f);color:var(--white)}.page-hero h1{max-width:900px;color:var(--white);font-size:clamp(2.35rem,4.5vw,4.3rem)}.page-hero p{max-width:730px;margin-top:18px;color:#dbe4ec;font-size:1.08rem}.breadcrumbs{margin-bottom:14px;color:#d7b260;font-size:.78rem;text-transform:uppercase}.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.content-card{padding:30px;border:1px solid var(--border);border-radius:var(--radius);background:var(--white);box-shadow:0 8px 24px rgba(2,23,47,.05)}.content-card h2,.content-card h3{margin-bottom:12px}.content-card p+p{margin-top:12px}.content-card li{margin:.55rem 0}.content-card li::marker{color:var(--gold)}.prose{max-width:860px;margin:auto}.prose h2{margin:38px 0 12px}.prose h2:first-child{margin-top:0}.prose h3{margin:24px 0 8px}.prose p+p{margin-top:14px}.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:20px}.form-field{display:grid;gap:7px}.form-field.full,.consent{grid-column:1/-1}.form-field label,.consent{color:var(--navy);font-size:.9rem;font-weight:700}.form-field input,.form-field select,.form-field textarea{width:100%;min-height:48px;padding:10px 12px;border:1px solid #cdd3da;border-radius:5px;background:#fff;color:var(--text)}.form-field textarea{min-height:145px;resize:vertical}.consent{display:flex;align-items:flex-start;gap:10px}.consent input{width:20px;height:20px;flex:none}.quote-form .button{justify-self:start}.section-intro{margin:10px 0 26px}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px}.contact-person{margin-bottom:20px;padding:24px;border-left:3px solid var(--gold);background:var(--background)}.contact-person a{display:block;color:var(--navy);font-weight:650}
/* ================================ 15. FOOTER ================================ */
.site-footer{padding-top:54px;background:#011326;color:#d3dce5}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr .6fr;gap:46px}.footer-brand{margin-bottom:18px;color:var(--white)}.footer-brand .brand-mark{width:48px;height:48px;border-color:var(--white);font-size:2rem}.footer-brand .brand-name{font-size:1.45rem}.site-footer p{margin:9px 0;color:#aab8c6;font-size:.82rem}.site-footer h2{margin-bottom:13px;color:var(--white);font-size:.88rem;text-transform:uppercase}.site-footer>div a:not(.brand){display:block;min-height:30px;color:#c4d0db;font-size:.83rem}.footer-bottom{margin-top:36px;padding:18px 0;border-top:1px solid rgba(255,255,255,.11);color:#8595a5;font-size:.75rem;text-align:center}

/* Official Benzido brand asset */
.brand-logo{display:block;width:auto;height:auto;max-width:420px;object-fit:contain}
.footer-brand .brand-logo{width:auto;height:auto;max-width:250px;border-radius:4px}

.form-honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.form-status{grid-column:1/-1;margin:0 0 20px;padding:12px 14px;border-left:3px solid var(--gold);background:var(--background);color:var(--navy)}