/* Hamara Insurance — full homepage redesign */
:root{--navy:#072b52;--navy-2:#0b3c70;--ink:#132a40;--gold:#bc872f;--gold-light:#dfbf7f;--cream:#f7f3e9;--paper:#fff;--muted:#637386;--line:#dce2e7;--shadow:0 24px 60px rgba(7,43,82,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.65 "Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 48px));margin:auto}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
.topbar{background:var(--navy);color:#fff;font-size:12px;letter-spacing:.04em}.topbar-inner{height:38px;display:flex;align-items:center;justify-content:space-between}.topbar-inner>span{text-transform:uppercase;color:#e5c78b;font-weight:700}.topbar a{font-weight:600}.top-sep{display:inline-block;width:1px;height:12px;background:#607790;margin:0 16px;vertical-align:middle}
.site-header{height:98px;background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid #e6ded0}.header-inner{height:100%;display:flex;align-items:center;justify-content:space-between}.brand img{width:225px;height:82px;object-fit:contain}.main-nav{display:flex;align-items:center;gap:24px;font-size:18px;font-weight:750;color:var(--navy);text-transform:uppercase;letter-spacing:.025em}.main-nav>a:not(.header-cta){position:relative}.main-nav>a:not(.header-cta):after{content:"";position:absolute;left:0;right:100%;bottom:-8px;height:2px;background:var(--gold);transition:.25s}.main-nav>a:hover:after{right:0}.header-cta{display:flex;gap:20px;align-items:center;background:var(--navy);color:#fff;padding:14px 18px 14px 21px;border-radius:2px}.header-cta span{color:var(--gold-light);font-size:18px}.menu-toggle{display:none;border:0;background:transparent;width:40px;padding:7px}.menu-toggle>span:not(.sr-only){display:block;height:2px;background:var(--navy);margin:6px 0}
.hero-new{position:relative;overflow:hidden;background:linear-gradient(120deg,#fff 0,#fbfaf7 58%,#f0e8d8 100%)}.hero-glow{position:absolute;width:620px;height:620px;border:1px solid rgba(188,135,47,.22);border-radius:50%;left:-360px;top:-270px}.hero-layout{min-height:675px;display:grid;grid-template-columns:.92fr 1.08fr;align-items:center;gap:70px;padding-top:50px;padding-bottom:65px}.eyebrow{display:flex;align-items:center;gap:12px;color:var(--gold-light);font-size:12px;text-transform:uppercase;letter-spacing:.16em;font-weight:750}.eyebrow span{display:block;width:34px;height:2px;background:currentColor}.eyebrow.dark{color:var(--gold)}.hero-copy{padding-left:26px}.hero-copy h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(4rem,6vw,6.25rem);line-height:.94;letter-spacing:-.055em;color:var(--navy);margin:23px 0 27px}.hero-copy h1 em{font-weight:400;color:var(--gold)}.hero-copy>p{font-size:19px;max-width:570px;color:#52667a;margin:0 0 34px}.hero-actions{display:flex;align-items:center;gap:32px}.btn{display:inline-flex;align-items:center;justify-content:space-between;gap:34px;min-height:54px;padding:0 22px;border:0;border-radius:2px;font-weight:700;cursor:pointer;transition:.2s}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);color:#fff;box-shadow:0 12px 24px rgba(188,135,47,.23)}.btn-navy{background:var(--navy);color:#fff}.btn-light{background:#fff;color:var(--navy)}.text-action{font-size:14px;font-weight:700;color:var(--navy)}.text-action span{margin-left:12px;color:var(--gold)}.text-action.navy{white-space:nowrap}.hero-proof{display:flex;align-items:center;gap:15px;margin-top:48px}.avatar-stack{display:flex}.avatar-stack span{width:35px;height:35px;margin-left:-8px;border:2px solid #fff;background:var(--navy);color:#fff;border-radius:50%;display:grid;place-items:center;font:700 12px Georgia}.avatar-stack span:nth-child(2){background:var(--gold)}.avatar-stack span:nth-child(3){background:#72859a}.hero-proof p{font-size:12px;line-height:1.45;margin:0;color:#6c7b88}.hero-proof strong{color:var(--navy)}
.hero-visual{position:relative;height:525px}.hero-image{position:absolute;inset:0 0 24px 55px;overflow:hidden;border-radius:180px 0 0 0}.hero-image:after{content:"";position:absolute;inset:0;background:linear-gradient(110deg,rgba(7,43,82,.02),rgba(7,43,82,.25))}.hero-image img{width:100%;height:100%;object-fit:cover;object-position:center}.gold-frame{position:absolute;inset:35px -32px -5px 100px;border:1px solid var(--gold);z-index:0}.floating-card{position:absolute;z-index:2;background:#fff;box-shadow:var(--shadow)}.cover-card{left:0;bottom:70px;display:flex;align-items:center;gap:13px;padding:17px 22px}.cover-card .mini-icon{width:38px;height:38px;display:grid;place-items:center;color:#fff;background:var(--gold);border-radius:50%}.floating-card strong,.floating-card small{display:block}.floating-card small{color:var(--muted);font-size:11px;margin-top:2px}.help-card{right:-15px;top:45px;background:var(--navy);color:#fff;padding:16px 26px;border-left:3px solid var(--gold)}.help-card small{color:#c6d1dc}.help-card strong{font-family:Georgia;font-size:20px}.trust-strip{min-height:76px;border-top:1px solid #ded6c7;display:flex;align-items:center;justify-content:center;gap:30px;color:#607184;text-transform:uppercase;letter-spacing:.09em;font-size:11px;font-weight:700}.trust-strip i{width:4px;height:4px;background:var(--gold);border-radius:50%}
.section-pad{padding:112px 0}.section-intro{display:flex;align-items:end;justify-content:space-between;gap:70px;margin-bottom:52px}.section-intro h2,.process-head h2{font:400 clamp(2.8rem,4.5vw,4.35rem)/1.03 Georgia,serif;letter-spacing:-.035em;color:var(--navy);margin:14px 0 0}.section-intro>p{max-width:475px;margin:0;color:var(--muted);font-size:17px}.solutions{background:#fff}.solution-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.solution-card{min-height:330px;padding:32px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:.3s;position:relative;overflow:hidden}.solution-card:after{content:"";position:absolute;left:0;right:100%;bottom:0;height:4px;background:var(--gold);transition:.35s}.solution-card:hover{background:var(--cream);transform:translateY(-4px);box-shadow:var(--shadow);z-index:2}.solution-card:hover:after{right:0}.card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:38px}.card-top>span{font:italic 15px Georgia;color:var(--gold)}.line-icon{width:48px;height:48px;border:1px solid #cad4dd;display:grid;place-items:center;color:var(--navy);font:700 19px Georgia}.solution-card h3{font:400 26px/1.2 Georgia;color:var(--navy);margin:0 0 16px}.solution-card p{font-size:14px;color:var(--muted);margin:0 0 25px}.solution-card a{position:absolute;bottom:30px;font-size:12px;font-weight:750;text-transform:uppercase;letter-spacing:.07em;color:var(--navy)}.solution-card a span{color:var(--gold);margin-left:8px}
.why{background:var(--navy);color:#fff;overflow:hidden}.why-layout{display:grid;grid-template-columns:.95fr 1.05fr;gap:100px;align-items:center}.why-media{position:relative;height:620px}.why-media img{position:absolute;inset:35px 0 0 35px;width:calc(100% - 35px);height:550px;object-fit:cover}.why-media:after{content:"";position:absolute;inset:35px 0 35px 35px;background:linear-gradient(0deg,rgba(7,43,82,.22),transparent 45%)}.image-border{position:absolute;inset:0 50px 55px 0;border:1px solid var(--gold)}.experience-badge{position:absolute;right:-30px;bottom:0;z-index:2;background:var(--gold);padding:25px 30px;width:240px}.experience-badge strong{display:block;font:400 23px Georgia}.experience-badge span{font-size:11px}.why-copy h2{font:400 clamp(3rem,4.8vw,4.8rem)/1.02 Georgia;margin:16px 0 26px;letter-spacing:-.04em}.why-copy .lead{color:#c6d3df;font-size:17px;margin:0 0 38px;max-width:560px}.benefit{display:grid;grid-template-columns:48px 1fr;gap:20px;padding:22px 0;border-top:1px solid #2c4e6e}.benefit b{font:italic 14px Georgia;color:var(--gold-light)}.benefit h3{font:400 21px Georgia;margin:0 0 6px}.benefit p{margin:0;color:#aebdca;font-size:14px}
.process{background:var(--cream)}.process-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:65px}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);position:relative}.process-grid:before{content:"";position:absolute;left:2%;right:2%;top:39px;height:1px;background:#cfc4ae}.process-step{padding-right:65px;position:relative}.process-step>b{font:italic 16px Georgia;color:var(--gold);display:block;margin-bottom:20px}.step-dot{position:relative;display:block;width:13px;height:13px;background:var(--gold);border:4px solid var(--cream);box-shadow:0 0 0 1px var(--gold);border-radius:50%;margin-bottom:28px}.process-step h3{font:400 25px Georgia;color:var(--navy);margin:0 0 13px}.process-step p{color:var(--muted);font-size:14px;margin:0}.claim-banner{background:linear-gradient(105deg,#bc872f,#a76e18);color:#fff;padding:62px 0}.claim-inner{display:flex;align-items:center;justify-content:space-between}.claim-inner>div>span{text-transform:uppercase;letter-spacing:.15em;font-size:11px;font-weight:700}.claim-inner h2{font:400 42px Georgia;margin:5px 0}.claim-inner p{margin:0;color:#fff4dd}
.insights{background:#fff}.insight-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:28px}.insight-feature{position:relative;min-height:490px;overflow:hidden}.insight-feature img{width:100%;height:100%;object-fit:cover}.insight-feature:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(5,27,49,.92),transparent 70%)}.insight-feature>div{position:absolute;z-index:2;left:36px;right:36px;bottom:32px;color:#fff}.insight-feature span,.insight-list span{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--gold-light);font-weight:700}.insight-feature h3{font:400 31px/1.2 Georgia;margin:10px 0 18px;max-width:650px}.insight-feature a,.insight-list a{font-size:12px;text-transform:uppercase;letter-spacing:.07em;font-weight:700}.insight-feature a b{color:var(--gold-light);margin-left:8px}.insight-list{display:grid;grid-template-rows:1fr 1fr;gap:28px}.insight-list article{background:var(--cream);border-left:3px solid var(--gold);padding:34px;display:flex;flex-direction:column;justify-content:center}.insight-list span{color:var(--gold)}.insight-list h3{font:400 24px/1.25 Georgia;color:var(--navy);margin:12px 0 28px}.insight-list a{color:var(--navy)}
.quote-new{background:#eef1f3}.quote-shell{display:grid;grid-template-columns:.72fr 1.28fr;box-shadow:var(--shadow)}.quote-copy{background:var(--navy);color:#fff;padding:65px 55px;position:relative;overflow:hidden}.quote-copy:after{content:"H";position:absolute;right:-25px;bottom:-100px;font:300px Georgia;color:rgba(255,255,255,.035)}.quote-copy h2{font:400 50px/1.04 Georgia;margin:18px 0 24px}.quote-copy>p{color:#c3cfda}.quote-contact{margin-top:55px;border-top:1px solid #355573;padding-top:25px}.quote-contact span,.quote-contact a{display:block}.quote-contact span{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--gold-light)}.quote-contact a{font:400 28px Georgia;margin-top:5px}.quote-form{background:#fff;padding:58px}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:24px}.quote-form label{display:block;color:var(--navy);font-size:12px;font-weight:700;margin-bottom:22px}.quote-form input,.quote-form select,.quote-form textarea{display:block;width:100%;margin-top:8px;border:0;border-bottom:1px solid #bdc8d2;background:transparent;padding:10px 0;color:var(--ink);border-radius:0;outline:0}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{border-color:var(--gold)}.quote-form textarea{height:80px;resize:vertical}.form-bottom{display:flex;align-items:center;justify-content:space-between;gap:25px;margin-top:8px}.consent{display:flex!important;align-items:center;gap:10px;margin:0!important;color:var(--muted)!important;font-weight:400!important}.consent input{width:16px;margin:0}.form-status{color:#2e6844;font-weight:700;font-size:13px;margin:18px 0 0}.quote-form.submitted{box-shadow:inset 0 4px var(--gold)}
.site-footer{background:#041d36;color:#b4c2cf;padding:75px 0 24px}.footer-main{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:65px;padding-bottom:55px}.footer-brand img{width:210px;background:#fff;padding:8px}.footer-brand p{color:var(--gold-light);font:400 20px/1.45 Georgia;margin-top:24px}.footer-main h4{color:#fff;text-transform:uppercase;letter-spacing:.12em;font-size:11px;margin:0 0 20px}.footer-main a{display:block;margin:9px 0;font-size:13px}.footer-main a:hover{color:var(--gold-light)}.footer-main p{font-size:13px}.footer-bottom{border-top:1px solid #24415d;padding-top:22px;display:flex;justify-content:space-between;font-size:11px}.footer-bottom p{margin:0}.footer-bottom div{display:flex;gap:24px}
.reveal{opacity:0;transform:translateY(20px);transition:opacity .65s ease,transform .65s ease}.reveal.visible{opacity:1;transform:none}
@media(max-width:1050px){.main-nav{gap:18px}.hero-layout{gap:35px}.hero-copy{padding-left:0}.solution-grid{grid-template-columns:repeat(2,1fr)}.why-layout{gap:60px}.footer-main{gap:35px}}
@media(max-width:850px){.topbar-inner>span{display:none}.topbar-inner{justify-content:flex-end}.site-header{height:82px}.brand img{width:185px;height:70px}.menu-toggle{display:block}.main-nav{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:25px 30px;box-shadow:0 18px 30px rgba(7,43,82,.16)}.main-nav.open{display:flex}.main-nav a{padding:5px}.header-cta{justify-content:space-between}.hero-layout{grid-template-columns:1fr;padding-top:75px}.hero-copy{max-width:670px}.hero-visual{height:500px}.hero-image{left:0}.trust-strip{flex-wrap:wrap;padding:20px}.why-layout{grid-template-columns:1fr}.why-media{height:560px}.why-copy{max-width:700px}.process-step{padding-right:30px}.insight-grid{grid-template-columns:1fr}.insight-feature{min-height:460px}.insight-list{grid-template-columns:1fr 1fr;grid-template-rows:auto}.quote-shell{grid-template-columns:1fr}.quote-copy{padding:50px}.footer-main{grid-template-columns:1.5fr 1fr 1fr}.footer-main>div:last-child{grid-column:2/-1}}
@media(max-width:620px){.container{width:min(100% - 30px,1180px)}.topbar{display:none}.site-header{top:0}.section-pad{padding:78px 0}.hero-layout{min-height:auto;padding:60px 0 42px}.hero-copy h1{font-size:3.65rem}.hero-copy>p{font-size:17px}.hero-actions{align-items:flex-start;flex-direction:column;gap:22px}.hero-proof{margin-top:36px}.hero-visual{height:390px}.hero-image{inset:0 0 0 0;border-radius:100px 0 0}.gold-frame{display:none}.help-card{right:-5px;top:25px}.cover-card{left:12px;bottom:22px}.trust-strip{justify-content:flex-start;gap:12px 18px}.section-intro,.process-head{display:block;margin-bottom:38px}.section-intro h2,.process-head h2{font-size:3rem}.section-intro>p{margin-top:24px}.section-intro>a,.process-head>a{margin-top:25px}.solution-grid{grid-template-columns:1fr}.solution-card{min-height:290px}.why-media{height:435px}.why-media img{inset:24px 0 0 24px;width:calc(100% - 24px);height:380px}.experience-badge{right:0;width:205px;padding:18px}.why-copy h2{font-size:3.2rem}.process-grid{grid-template-columns:1fr;gap:38px}.process-grid:before{left:6px;top:20px;bottom:20px;width:1px;height:auto}.process-step{padding:0 0 0 36px}.process-step>b{margin:0}.step-dot{position:absolute;left:0;top:32px}.claim-inner{align-items:flex-start;flex-direction:column;gap:28px}.claim-inner h2{font-size:36px}.insight-feature{min-height:430px}.insight-feature>div{left:22px;right:22px;bottom:24px}.insight-feature h3{font-size:26px}.insight-list{grid-template-columns:1fr}.quote-copy,.quote-form{padding:38px 25px}.quote-copy h2{font-size:42px}.field-row{grid-template-columns:1fr;gap:0}.form-bottom{align-items:flex-start;flex-direction:column}.footer-main{grid-template-columns:1fr 1fr;gap:35px}.footer-brand{grid-column:1/-1}.footer-main>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:14px}.footer-bottom div{flex-wrap:wrap}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}}

/* Individual insurance pages */
.detail-hero{background:var(--navy);color:#fff;padding:72px 0 85px;position:relative;overflow:hidden}.detail-hero:after{content:"";position:absolute;width:430px;height:430px;border:1px solid rgba(223,191,127,.22);border-radius:50%;right:-130px;top:-210px}.detail-back{display:inline-block;color:#c3cfda;font-size:12px;text-transform:uppercase;letter-spacing:.09em;margin-bottom:54px}.detail-back:hover{color:var(--gold-light)}.detail-kicker{display:flex;gap:16px;align-items:center;color:var(--gold-light);font-size:12px;text-transform:uppercase;letter-spacing:.15em;font-weight:700}.detail-kicker span{font:italic 16px Georgia;border-right:1px solid #496680;padding-right:16px}.detail-hero h1{font:400 clamp(3.8rem,7vw,6.8rem)/.98 Georgia;margin:18px 0 24px;letter-spacing:-.05em}.detail-hero>div>p{font-size:19px;color:#cbd6df;max-width:680px;margin:0}.detail-layout{display:grid;grid-template-columns:.88fr 1.12fr;gap:95px;align-items:start}.detail-photo{position:sticky;top:135px;padding:24px 24px 0 0}.detail-photo:before{content:"";position:absolute;inset:0 0 45px 25px;border:1px solid var(--gold)}.detail-photo img{position:relative;width:100%;height:570px;object-fit:cover;box-shadow:var(--shadow)}.detail-photo-note{position:relative;margin:-34px 0 0 42px;background:var(--gold);color:#fff;padding:18px 25px;width:245px}.detail-photo-note small,.detail-photo-note a{display:block}.detail-photo-note small{text-transform:uppercase;letter-spacing:.12em;font-size:10px}.detail-photo-note a{font:400 22px Georgia;margin-top:3px}.detail-copy{padding-top:15px}.detail-copy h2{font:400 clamp(2.8rem,4.5vw,4.4rem)/1.05 Georgia;color:var(--navy);letter-spacing:-.04em;margin:16px 0 26px}.detail-lead{font-size:18px;line-height:1.8;color:#53697d;margin-bottom:45px}.detail-copy h3{font:400 28px Georgia;color:var(--navy);margin:0 0 22px}.benefit-list{list-style:none;padding:0;margin:0 0 45px;display:grid;grid-template-columns:1fr 1fr;gap:14px 22px}.benefit-list li{display:flex;align-items:flex-start;gap:12px;padding:13px 0;border-bottom:1px solid var(--line);font-size:14px;color:#455d73}.benefit-list li span{display:grid;place-items:center;flex:0 0 24px;height:24px;border-radius:50%;background:var(--cream);color:var(--gold);font-weight:800}.detail-note{background:var(--cream);border-left:4px solid var(--gold);padding:25px 28px}.detail-note strong{color:var(--navy);font:400 20px Georgia}.detail-note p{margin:8px 0 0;color:var(--muted);font-size:14px}.detail-cta{background:#eef1f3;padding:72px 0}.detail-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:60px}.detail-cta-inner>div>span{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-size:11px;font-weight:700}.detail-cta h2{font:400 clamp(2.2rem,4vw,3.5rem) Georgia;color:var(--navy);margin:8px 0 0}.detail-cta-inner>div:last-child{display:flex;align-items:center;gap:25px}.detail-phone{font-size:13px;color:var(--navy);font-weight:700;white-space:nowrap}
@media(max-width:850px){.detail-layout{grid-template-columns:1fr;gap:65px}.detail-photo{position:relative;top:auto;max-width:620px}.detail-photo img{height:520px}.detail-cta-inner{align-items:flex-start;flex-direction:column}.detail-cta-inner>div:last-child{flex-wrap:wrap}}
@media(max-width:620px){.detail-hero{padding:48px 0 62px}.detail-back{margin-bottom:38px}.detail-hero h1{font-size:3.5rem}.detail-hero>div>p{font-size:17px}.detail-photo{padding:15px 15px 0 0}.detail-photo img{height:390px}.detail-photo-note{margin:-28px 0 0 22px}.detail-copy h2{font-size:3rem}.benefit-list{grid-template-columns:1fr}.detail-cta-inner>div:last-child{align-items:flex-start;flex-direction:column}}