/* Prime Underwriting Agency – hand-written static stylesheet (replaces Astra + Elementor CSS) */
@font-face{font-family:"Montserrat";src:url(/assets/fonts/montserrat-latin-var.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Roboto";src:url(/assets/fonts/roboto-latin-var.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{--blue:#0F57FB;--ink:#000E20;--text:#54595F;--muted:#7A7A7A;--light:#F2F2F2;--max:1140px;--head:"Roboto",Arial,sans-serif;--body:"Roboto",Arial,sans-serif}
body.font-mont{--head:"Montserrat",Arial,sans-serif;--body:"Montserrat",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);font-size:15px;line-height:1.65;color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
h1,h2,h3,h4,h5{font-family:var(--head);font-weight:600;line-height:1.25;margin:0 0 .6em;color:var(--blue)}
h1{font-size:clamp(30px,4vw,44px)}h2{font-size:clamp(24px,3vw,32px)}h3{font-size:22px}h4{font-size:17px}h5{font-size:14px}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;z-index:99;background:#fff;padding:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--blue);color:#fff;text-decoration:none;font-family:var(--head);font-weight:500;font-size:13px;padding:10px 22px;border-radius:3px;border:0;cursor:pointer;line-height:1.2}
.btn:hover{filter:brightness(1.1)}
.btn--white{background:#fff;color:var(--blue)}
.btn--green{background:#61CE70}
.btn .arr{font-size:1.1em}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 0 10px rgba(0,0,0,.08)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:20px;max-width:1300px;margin:0 auto;padding:10px 20px}
.logo img{width:170px}
.nav{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav a{display:block;padding:20px 12px;font-family:"Montserrat",Arial,sans-serif;font-size:12px;font-weight:500;text-transform:uppercase;color:#54595F;text-decoration:none;border-bottom:3px solid transparent}
.nav a:hover,.nav a[aria-current=page]{color:var(--blue);border-bottom-color:var(--blue)}
.nav .has-sub{position:relative}
.nav .has-sub>a::after{content:" ▾";font-size:10px}
.nav .sub{display:none;position:absolute;left:0;top:100%;min-width:260px;background:#fff;list-style:none;margin:0;padding:6px 0;box-shadow:0 8px 20px rgba(0,0,0,.12)}
.nav .sub a{padding:10px 16px;text-transform:none;font-size:13px;border:0}
.nav .has-sub:hover .sub,.nav .has-sub:focus-within .sub{display:block}
.hdr-cta{display:flex;flex-direction:column;align-items:center;gap:6px}
.hdr-cta .btn{font-family:"Montserrat",Arial,sans-serif;font-size:15px;text-transform:uppercase;letter-spacing:1.4px;border-radius:6px;box-shadow:0 0 27px rgba(0,0,0,.12);padding:9px 20px}
.hdr-cta .tel{font-family:"Montserrat",Arial,sans-serif;font-size:14px;font-weight:600;text-decoration:none}
.menu-toggle,#nav-toggle{display:none}

/* hero */
.hero{position:relative;background:var(--blue);color:#fff;padding:120px 0;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:url(/assets/img/graphic-1.svg) -200px 200px/contain no-repeat;opacity:.83;pointer-events:none}
.hero .container{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.hero h1{color:#fff;text-align:center}
.hero p{color:#fff;text-align:center}
.hero .single{grid-column:1/-1;max-width:560px}
.hero--left h1{text-align:left}
.hero-img img{box-shadow:0 10px 30px rgba(0,0,0,.3)}
.hero--photo{background:#0F57FB url(/assets/img/hero-highway.jpg) center/cover;padding:160px 0 120px}
.hero--photo::before{display:none}
.hero--photo .box{display:inline-block;background:rgba(15,87,251,.55);padding:14px 20px;max-width:620px}
.hero--photo h1,.hero--photo h2{color:#fff;text-align:left;margin:0 0 14px;font-size:clamp(28px,3.5vw,40px)}

/* sections */
.section{padding:70px 0}
.center{text-align:center}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.split.wide{grid-template-columns:2fr 1fr}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.cards.two{grid-template-columns:repeat(2,1fr);gap:40px 30px;max-width:960px;margin:0 auto}
.card img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:4px;margin-bottom:18px}
.card h4{font-size:15px}
.card p{font-size:14px;color:var(--muted)}
.bluebox{background:var(--blue);color:#fff;padding:40px}
.bluebox h2,.bluebox h3,.bluebox h5,.bluebox p,.bluebox li{color:#fff}
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding:3px 0 3px 26px}
.checks li::before{content:"";position:absolute;left:0;top:.55em;width:14px;height:10px;background:currentColor;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 512 380'%3E%3Cpath d='M173.9 372.4L7.5 206a25.6 25.6 0 010-36.2l36.2-36.2a25.6 25.6 0 0136.2 0L192 245.7 432.1 5.6a25.6 25.6 0 0136.2 0l36.2 36.2a25.6 25.6 0 010 36.2L210.1 372.4a25.6 25.6 0 01-36.2 0z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 512 380'%3E%3Cpath d='M173.9 372.4L7.5 206a25.6 25.6 0 010-36.2l36.2-36.2a25.6 25.6 0 0136.2 0L192 245.7 432.1 5.6a25.6 25.6 0 0136.2 0l36.2 36.2a25.6 25.6 0 010 36.2L210.1 372.4a25.6 25.6 0 01-36.2 0z'/%3E%3C/svg%3E") center/contain no-repeat}
.checks.blue li::before{color:var(--blue)}
.chev{list-style:none;padding:0;margin:0;columns:2;column-gap:40px;font-size:14px;font-weight:500;color:#000}
.chev li{padding:4px 0 4px 18px;position:relative;break-inside:avoid}
.chev li::before{content:"›";position:absolute;left:0;top:0;font-size:20px;line-height:1.2;color:#000}
.chev.one{columns:1}
.panel{background:#fff;box-shadow:0 0 10px rgba(0,0,0,.25);padding:20px 30px 30px;max-width:1000px;margin:0 auto}
.panel h2{text-align:center;font-size:clamp(22px,2.6vw,30px)}
.panel .rule{width:300px;height:3px;background:#000;margin:18px auto 26px}
.dots{padding-left:20px;margin:0;font-size:14.5px;color:#000}
.dots li{padding:2px 0}
.blue-band{background:var(--blue);padding:40px 0 60px;position:relative;overflow:hidden}
.blue-band::before{content:"";position:absolute;inset:0;background:url(/assets/img/graphic-1.svg) -100px 100px/contain no-repeat;opacity:.83}
.blue-band>.container{position:relative}
.blue-band h2.band-title{color:#fff;text-align:center;margin-bottom:20px}
.two-panels{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.two-panels .panel{max-width:none;margin:0;padding:10px 20px 20px}
.two-panels .panel h2{text-align:left;font-size:20px;margin:0 0 10px}
.lead-dark{color:#000}
.small{font-size:14px}

/* CTA band */
.cta{background:var(--blue);position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background:url(/assets/img/graphic-1.svg) 40% -100px/contain no-repeat}
.cta .container{position:relative;display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:0}
.cta img{width:100%;height:100%;object-fit:cover;min-height:340px}
.cta .txt{padding:40px 50px}
.cta h2{color:#fff;font-size:clamp(22px,2.4vw,28px)}

/* footer */
.site-footer{padding:60px 0 40px;font-size:11px;color:#3a3a3a}
.site-footer .container{display:grid;grid-template-columns:1fr 2fr;gap:30px;align-items:start}
.map iframe{width:100%;height:220px;border:0}

/* 404 */
.notfound{padding:120px 0;text-align:center}

/* responsive */
@media (max-width:1024px){
  .nav a{padding:18px 8px;font-size:11px}
  .cards{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border:1px solid #ddd;border-radius:4px;cursor:pointer;font-size:22px;color:var(--blue);order:3}
  .navwrap{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;box-shadow:0 8px 20px rgba(0,0,0,.12)}
  #nav-toggle:checked~.navwrap{display:block}
  .nav{flex-direction:column;padding:10px 0}
  .nav a{padding:12px 20px;border:0;font-size:13px}
  .nav .sub{display:block;position:static;box-shadow:none;padding:0 0 0 16px}
  .hdr{position:relative;flex-wrap:wrap}
  .hdr-cta{flex-direction:row;margin-left:auto}
  .hdr-cta .btn{font-size:12px;padding:8px 12px}
  .logo img{width:120px}
}
@media (max-width:767px){
  .hero{padding:60px 0}
  .hero .container,.split,.split.wide,.cards,.cards.two,.two-panels,.cta .container,.site-footer .container{grid-template-columns:1fr}
  .chev{columns:1}
  .section{padding:50px 0}
  .bluebox{padding:30px 20px}
  .cta .txt{padding:30px 20px}
  .hdr-cta .tel{display:none}
}