@font-face{font-family:'Cormorant Garamond';font-style:normal;font-weight:300;font-display:block;src:url('/assets/fonts/cormorant-300.woff2') format('woff2')}@font-face{font-family:'Cormorant Garamond';font-style:normal;font-weight:500;font-display:block;src:url('/assets/fonts/cormorant-500.woff2') format('woff2')}@font-face{font-family:'Jost';font-style:normal;font-weight:400;font-display:block;src:url('/assets/fonts/jost-400.woff2') format('woff2')}@font-face{font-family:'Jost';font-style:normal;font-weight:500;font-display:block;src:url('/assets/fonts/jost-500.woff2') format('woff2')}:root{--cream:#FAF8F4;--cream-dark:#F2EDE4;--navy:#1A2E5A;--navy-deep:#0F1C38;--gold:#C8A84B;--gold-light:#F5EEDC;--white:#FFFFFF;--text:#1A2035;--text-muted:#4A5568}*{margin:0;padding:0;box-sizing:border-box}.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}html{font-size:16px;scroll-behavior:smooth}body{font-family:'Jost',system-ui,sans-serif;font-size:1rem;color:var(--text);background-color:var(--cream);line-height:1.7;font-weight:300;overflow-x:hidden}h1,h2,h3,h4,h5,h6{font-family:'Cormorant Garamond',serif;color:var(--navy);font-weight:400}.navbar{height:72px;background-color:rgba(250,248,244,0.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);padding:0 5%;display:flex;justify-content:space-between;align-items:center;position:fixed;top:0;width:100%;z-index:100;border-bottom:1px solid rgba(200,168,75,0.2)}.logo{font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:500;color:var(--navy);text-decoration:none}.logo span{color:#7D6520}.nav-links{display:flex;align-items:center}.nav-links a{margin-left:2rem;text-decoration:none;color:var(--text);font-size:13px;letter-spacing:0.12em;text-transform:uppercase;font-weight:400;transition:color 0.3s}.nav-links a:hover{color:var(--gold)}.nav-cta{background-color:var(--navy) !important;color:var(--white) !important;padding:8px 20px;border-radius:4px;transition:transform 0.3s,background-color 0.3s}.nav-cta:hover{transform:translateY(-2px);background-color:var(--navy-deep) !important}.hamburger{display:none;background:none;border:none;font-size:24px;color:var(--navy);cursor:pointer}.hero{height:92vh;margin-top:72px;background-color:#0F1C38;position:relative;display:flex;align-items:center;padding:0 5%;overflow:hidden}.hero::before{content:'';position:absolute;inset:0;z-index:1;background:linear-gradient(to right,rgba(15,28,56,0.88) 40%,rgba(15,28,56,0.3) 100%);pointer-events:none}.hero-content{max-width:600px;position:relative;z-index:2}.hero-badge{display:inline-block;color:var(--gold);font-size:11px;letter-spacing:0.15em;text-transform:uppercase;border:1px solid rgba(200,168,75,0.4);padding:6px 12px;border-radius:20px;margin-bottom:24px;background:rgba(200,168,75,0.1);opacity:0;animation:fadeInDown 0.8s ease forwards 0ms}.hero h1{color:var(--white);font-size:72px;font-weight:300;line-height:1.1;margin-bottom:20px;opacity:0;animation:fadeInUp 0.8s ease forwards 150ms}.hero p{font-size:18px;font-weight:300;color:rgba(255,255,255,0.75);margin-bottom:40px;opacity:0;animation:fadeInUp 0.8s ease forwards 300ms}.hero-buttons{display:flex;gap:16px;opacity:0;animation:fadeInUp 0.8s ease forwards 450ms}.btn-primary{background-color:var(--gold);color:var(--navy-deep);padding:14px 32px;border:none;font-size:14px;letter-spacing:0.1em;text-transform:uppercase;cursor:pointer;transition:transform 0.3s,background-color 0.3s;text-decoration:none;display:inline-block}.btn-primary:hover{transform:translateY(-2px);background-color:#d1b45f}.btn-secondary{background-color:transparent;color:var(--white);padding:14px 32px;border:1px solid var(--white);font-size:14px;letter-spacing:0.1em;text-transform:uppercase;cursor:pointer;transition:transform 0.3s,background-color 0.3s,color 0.3s;text-decoration:none;display:inline-block}.btn-secondary:hover{transform:translateY(-2px);background-color:var(--white);color:var(--navy-deep)}.hero-stats{position:absolute;bottom:40px;left:5%;display:flex;gap:32px;opacity:0;animation:fadeInUp 0.8s ease forwards 600ms;z-index:2}.stat-item{display:flex;flex-direction:column}.stat-val{font-family:'Cormorant Garamond',serif;font-size:28px;color:var(--gold);line-height:1;margin-bottom:4px}.stat-label{font-size:12px;color:rgba(255,255,255,0.7);letter-spacing:0.05em}.stat-divider{width:1px;height:40px;background-color:rgba(255,255,255,0.2);align-self:center}@keyframes fadeInUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeInDown{from{opacity:0;transform:translateY(-20px)}to{opacity:1;transform:translateY(0)}}@keyframes spin{to{transform:rotate(360deg)}}.animate-on-scroll{opacity:0;transform:translateY(20px);transition:opacity 0.8s ease,transform 0.8s ease}.animate-on-scroll.visible{opacity:1;transform:translateY(0)}.form-section{padding:120px 5% 80px;background-color:var(--cream)}.form-wrapper{max-width:800px;margin:0 auto}.form-header{text-align:center;margin-bottom:48px}.form-header h2{font-size:36px;color:var(--navy);margin-bottom:12px}.form-header p{font-size:16px;color:var(--text-muted)}.form-card{background-color:var(--white);border:1px solid rgba(200,168,75,0.15);border-radius:16px;box-shadow:0 8px 32px rgba(26,46,90,0.04);padding:40px;margin-bottom:24px;position:relative;overflow:hidden;transition:box-shadow 0.3s}.form-card:hover{box-shadow:0 12px 48px rgba(26,46,90,0.08)}.form-card::before{content:'';position:absolute;top:0;left:0;width:100%;height:3px;background:linear-gradient(90deg,var(--gold-light),var(--gold))}.form-card__label{font-family:'Cormorant Garamond',serif;font-size:22px;color:var(--navy);margin-bottom:24px;display:flex;align-items:center;gap:8px;border-bottom:1px solid rgba(200,168,75,0.2);padding-bottom:12px}.optional{font-family:'Jost',sans-serif;font-size:12px;color:var(--text-muted);font-style:italic;font-weight:300;margin-left:auto;text-transform:none;letter-spacing:normal}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:24px}.field{display:flex;flex-direction:column}.field label{font-size:12px;color:var(--navy);margin-bottom:8px;text-transform:uppercase;letter-spacing:0.1em;font-weight:500;display:flex;align-items:center}.field .required{color:#D9534F}.field input,.field select,.field textarea{border:1px solid rgba(26,46,90,0.15);border-radius:8px;padding:14px 16px;font-family:'Jost',sans-serif;font-size:16px;color:var(--text);background-color:#FAFAFC;transition:all 0.3s ease}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background-color:var(--white);box-shadow:0 0 0 3px rgba(200,168,75,0.1)}.field textarea{resize:vertical;min-height:100px}.upload-zone{border:2px dashed rgba(200,168,75,0.4);background-color:rgba(250,248,244,0.5);padding:40px 20px;text-align:center;border-radius:12px;cursor:pointer;position:relative;transition:all 0.3s ease}.upload-zone:hover{border-color:var(--gold);background-color:rgba(200,168,75,0.05)}.upload-zone input[type="file"]{position:absolute;top:0;left:0;width:100%;height:100%;opacity:0;cursor:pointer}.upload-zone__icon{font-size:32px;margin-bottom:12px}.upload-zone__text{font-family:'Jost',sans-serif;font-size:16px;color:var(--navy);font-weight:500;margin-bottom:4px}.upload-zone__hint{font-size:13px;color:var(--text-muted)}.upload-preview{display:none;width:100%;max-height:300px;object-fit:cover;border-radius:12px;margin-top:16px;box-shadow:0 4px 12px rgba(0,0,0,0.05)}.damage-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px;margin-bottom:24px}.damage-item{display:flex;align-items:center;padding:12px 16px;border:1px solid rgba(26,46,90,0.1);border-radius:8px;cursor:pointer;transition:all 0.2s;background:var(--white);font-size:14px;color:var(--text);user-select:none}.damage-item:hover{border-color:rgba(200,168,75,0.5);background:rgba(250,248,244,0.5)}.damage-item.checked{border-color:var(--gold);background:rgba(200,168,75,0.05);color:var(--navy);font-weight:500}.damage-item input[type="checkbox"]{margin-right:12px;accent-color:var(--gold);width:16px;height:16px}.btn--full{width:100%;padding:18px;font-size:16px;letter-spacing:0.15em;border-radius:8px;box-shadow:0 4px 12px rgba(26,46,90,0.15)}.btn-submit{width:100%;background-color:var(--navy);color:var(--white);border:none;height:58px;font-family:'Cormorant Garamond',serif;font-size:18px;cursor:pointer;transition:transform 0.3s,background-color 0.3s;border-radius:4px;margin-top:16px}.btn-submit:hover{transform:translateY(-2px);background-color:var(--navy-deep)}.btn-submit:disabled{background-color:var(--text-muted);cursor:not-allowed;transform:none}.spinner{display:inline-block;width:16px;height:16px;border:2px solid rgba(255,255,255,0.3);border-radius:50%;border-top-color:#fff;animation:spin 1s ease-in-out infinite;margin-right:8px;vertical-align:middle}.notice{text-align:center;font-size:13px;color:var(--text-muted);margin-top:16px}.result-card{display:none;margin-top:48px;opacity:0;transform:translateY(20px);transition:opacity 0.6s ease,transform 0.6s ease;background-color:var(--white);border:1px solid rgba(200,168,75,0.2);border-radius:16px;box-shadow:0 12px 48px rgba(26,46,90,0.08);padding:48px;position:relative;overflow:hidden}.result-card.active{display:block;opacity:1;transform:translateY(0)}.result-card::before{content:'';position:absolute;top:0;left:0;width:100%;height:4px;background:linear-gradient(90deg,var(--navy),var(--gold))}.result-card__header{display:flex;flex-direction:column;align-items:center;text-align:center;margin-bottom:32px}.result-card__icon{width:56px;height:56px;background-color:rgba(200,168,75,0.1);color:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:16px}.result-card__title{font-family:'Cormorant Garamond',serif;font-size:28px;color:var(--navy);margin:0}.value-highlight{text-align:center;padding:32px;background:linear-gradient(135deg,rgba(250,248,244,0.8),rgba(250,248,244,1));border-radius:12px;margin-bottom:32px;border:1px solid rgba(26,46,90,0.05)}.value-highlight__label{font-size:13px;text-transform:uppercase;letter-spacing:0.15em;color:var(--text-muted);margin-bottom:8px;font-weight:500}.value-highlight__amount{font-family:'Cormorant Garamond',serif;font-size:56px;color:var(--navy);line-height:1;text-shadow:0 2px 4px rgba(0,0,0,0.02)}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:32px}.result-item{background:var(--white);padding:24px;border-radius:8px;border:1px solid rgba(26,46,90,0.08)}.result-item h4{font-size:13px;text-transform:uppercase;letter-spacing:0.1em;color:var(--navy);margin-bottom:12px;border-bottom:1px solid rgba(200,168,75,0.2);padding-bottom:8px;display:inline-block}.result-item p{font-size:15px;color:var(--text);line-height:1.6}.result-tip{background-color:var(--cream);border-left:4px solid var(--gold);padding:20px 24px;border-radius:0 8px 8px 0;display:flex;gap:16px;align-items:flex-start}.result-tip__icon{font-size:20px}.result-tip p{margin:0;font-size:14px;color:var(--navy);font-style:italic}.section-header{text-align:center;margin-bottom:60px}.section-header h2{font-size:42px;color:var(--navy);margin-bottom:12px}.section-header p{font-size:16px;color:var(--text-muted)}.articles-section{padding:100px 5%;background-color:var(--cream-dark)}.articles-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;max-width:1200px;margin:0 auto}.article-card{background:var(--white);border-radius:12px;overflow:hidden;box-shadow:0 4px 20px rgba(0,0,0,0.03);transition:transform 0.3s,box-shadow 0.3s;text-decoration:none;color:inherit;display:block}.article-card:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(0,0,0,0.08)}.article-card img{width:100%;height:220px;object-fit:cover;display:block}.article-card .article-content{padding:20px 24px 24px}.article-tag{display:inline-block;background-color:var(--gold-light);color:var(--gold);font-size:10px;text-transform:uppercase;letter-spacing:0.1em;padding:4px 10px;border-radius:12px;margin-bottom:12px;font-weight:500}.article-meta{font-size:13px;color:var(--text-muted)}.features-section{background-color:var(--navy);padding:100px 5%;text-align:center}.features-section h2{color:var(--white);font-size:36px;margin-bottom:24px}.features-divider{width:60px;height:1px;background-color:var(--gold);margin:0 auto 60px}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px;max-width:1200px;margin:0 auto}.feature-box{text-align:center}.feature-icon{font-size:32px;color:var(--gold);margin-bottom:20px}.feature-box h3{color:var(--white);font-size:22px;margin-bottom:12px}.feature-box p{color:rgba(255,255,255,0.7);font-size:15px}footer{background-color:var(--navy-deep);color:rgba(255,255,255,0.6);padding:80px 5% 40px}.footer-top{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:40px;max-width:1200px;margin:0 auto 60px}.footer-logo{font-family:'Cormorant Garamond',serif;font-size:24px;color:var(--gold);text-decoration:none;margin-bottom:20px;display:inline-block}.footer-desc{font-size:14px;max-width:250px;color:rgba(255,255,255,0.6);line-height:1.6}.footer-col h4{color:var(--white);font-size:14px;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:20px;font-family:'Jost',sans-serif}.footer-col ul{list-style:none}.footer-col ul li{margin-bottom:12px}.footer-col ul a{color:rgba(255,255,255,0.6);text-decoration:none;font-size:14px;transition:color 0.3s}.footer-col ul a:hover{color:var(--gold)}.footer-divider{height:1px;background-color:rgba(200,168,75,0.2);margin-bottom:40px;max-width:1200px;margin-left:auto;margin-right:auto}.footer-bottom{display:flex;justify-content:space-between;align-items:center;max-width:1200px;margin:0 auto;font-size:13px}.footer-links{text-align:center;margin-top:40px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.1);display:flex;justify-content:center;gap:20px;font-size:13px;max-width:1200px;margin-left:auto;margin-right:auto}.footer-links a{color:rgba(255,255,255,0.6);text-decoration:none;transition:color 0.3s}.footer-links a:hover{color:var(--gold)}.article-main{background-color:var(--cream);padding-bottom:60px}.breadcrumb{max-width:1100px;margin:0 auto;padding:20px 1.5rem;font-size:14px;color:var(--text-muted)}.breadcrumb a{color:var(--navy);text-decoration:none}.article-container{max-width:760px;margin:0 auto;padding:0 1.5rem}.article-header{margin-bottom:40px}.article-category{display:inline-block;color:var(--gold);font-weight:500;margin-bottom:15px;text-transform:uppercase;font-size:13px}.article-header h1{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(2rem,4vw,3rem);color:var(--navy);line-height:1.2;margin-bottom:20px}.article-meta-info{font-size:14px;color:var(--text-muted);margin-bottom:30px}.article-hero-img{width:100%;height:auto;border-radius:16px;margin-bottom:40px}.article-content{padding:0 1.5rem 4rem;max-width:760px;margin:0 auto}.article-card .article-content{padding:20px 24px 24px;max-width:none;margin:0}.article-content h2{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);margin-top:40px;margin-bottom:20px}.article-content h3{font-family:'Jost',sans-serif;font-size:clamp(1.1rem,2.5vw,1.3rem);color:var(--navy);margin:1.75rem 0 0.75rem;font-weight:500}.article-content p{font-size:17px;line-height:1.85;color:var(--text);margin-bottom:1.25rem}.article-content ul,.article-content ol{padding-left:1.5rem;margin-bottom:1.25rem}.article-content li{font-size:17px;line-height:1.8;margin-bottom:0.4rem;color:var(--text)}.article-content strong{color:var(--navy);font-weight:500}.highlight-box{background:var(--gold-light);border-left:3px solid var(--gold);padding:1.25rem 1.5rem;border-radius:0 8px 8px 0;margin:2rem 0}.highlight-box ul{margin-bottom:0}.highlight-box p:last-child{margin-bottom:0}.toc{background:var(--white);border-radius:12px;padding:25px;margin-bottom:40px}.toc h3{margin-bottom:15px;font-size:18px;color:var(--navy)}.toc ul{list-style-type:none;padding:0}.toc li{margin-bottom:10px}.toc a{color:var(--text-muted);text-decoration:none}.fact-box,.warning-box,.cta-box{padding:25px;border-radius:12px;margin:30px 0}.fact-box{background-color:rgba(200,168,75,0.1);border-left:4px solid var(--gold)}.warning-box{background-color:rgba(220,53,69,0.1);border-left:4px solid #dc3545}.cta-box{background-color:var(--navy);color:var(--white);text-align:center}.cta-box h3,.cta-box p{color:var(--white)}.table-responsive{overflow-x:auto;margin-bottom:30px}table{width:100%;border-collapse:collapse}th,td{padding:12px 15px;text-align:left;border-bottom:1px solid rgba(0,0,0,0.1)}th{background-color:rgba(26,46,90,0.05);color:var(--navy)}.faq-section{margin-top:60px;padding-top:40px;border-top:1px solid rgba(0,0,0,0.1)}.faq-section h2{font-family:'Cormorant Garamond',Georgia,serif;font-size:2rem;color:var(--navy);margin-bottom:30px}.faq-item{margin-bottom:30px}.faq-item h3{font-size:18px;margin-bottom:10px;color:var(--navy)}.related-articles-section{padding:60px 0;background-color:var(--cream-dark);border-top:1px solid rgba(0,0,0,0.05)}.related-articles-section h2{text-align:center;margin-bottom:40px}.articles-header{background-color:var(--cream-dark);padding:160px 5% 80px;text-align:center}.articles-header h1{font-size:48px;margin-bottom:16px}.articles-header p{font-size:18px;color:var(--text-muted)}.category-title{font-size:28px;border-bottom:2px solid rgba(200,168,75,0.3);padding-bottom:8px;margin-bottom:32px;display:inline-block}.article-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px;list-style:none;margin-bottom:60px}.article-list li{background:var(--white);padding:24px;border-radius:8px;box-shadow:0 2px 10px rgba(0,0,0,0.02);transition:transform 0.3s,box-shadow 0.3s}.article-list li:hover{transform:translateY(-3px);box-shadow:0 8px 20px rgba(0,0,0,0.06)}.article-list a{text-decoration:none;color:var(--navy);font-family:'Cormorant Garamond',serif;font-size:20px;line-height:1.3}.article-list a:hover{color:var(--gold)}@media (min-width:769px){.hamburger{display:none !important}.nav-links{display:flex !important}}@media (max-width:768px){.nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:rgba(250,248,244,0.98);flex-direction:column;padding:0.5rem 1.5rem 1.25rem;border-bottom:1px solid rgba(200,168,75,0.2);box-shadow:0 8px 24px rgba(26,46,90,0.12);gap:0;z-index:99}.nav-links.open{display:flex !important}.nav-links a{margin-left:0;padding:12px 0;border-bottom:1px solid rgba(26,46,90,0.06);font-size:16px;width:100%;letter-spacing:0}.nav-links a:last-child{border-bottom:none}.nav-cta{margin-top:8px;text-align:center;border-radius:8px;padding:12px !important}.hamburger{display:flex !important;align-items:center;justify-content:center;min-height:44px;min-width:44px;padding:8px}.hero{min-height:100svh;height:auto;padding:2rem 1.25rem;align-items:flex-start;padding-top:15vh}.hero h1{font-size:clamp(2rem,8vw,3rem)}.hero p{font-size:16px}.hero-buttons{flex-direction:column;gap:10px}.hero-buttons a{width:100%;text-align:center}.hero-stats{flex-direction:column;gap:16px;bottom:20px}.stat-divider{display:none}.form-wrapper{padding:0 0.25rem}.form-card{padding:1.25rem 1rem;border-radius:12px}.form-header h2{font-size:26px}.field-row{grid-template-columns:1fr;gap:0.75rem;margin-bottom:0.75rem}.damage-grid{grid-template-columns:1fr}.damage-item{padding:10px 12px;min-height:48px}.btn-submit,.btn-primary,.btn-secondary{min-height:48px;padding:14px 24px}input,select,textarea{min-height:48px;font-size:16px !important}.articles-grid{grid-template-columns:1fr;gap:1rem}.article-container{padding:0 1.25rem}.article-content p,.article-content li{font-size:16px}.article-content h2{margin:2rem 0 0.75rem}.result-grid{grid-template-columns:1fr}.value-highlight__amount{font-size:2rem}.features-grid{grid-template-columns:1fr;gap:2rem}.footer-top{grid-template-columns:1fr;gap:2rem}.footer-bottom{flex-direction:column;gap:0.5rem;text-align:center;font-size:12px}.articles-header{padding:120px 5% 60px}}