/* MSG visual refresh — the existing page structure and interactions remain intact. */
:root {
  --color-bg: #f2f5f8;
  --color-surface: #ffffff;
  --color-text: #10243a;
  --color-muted: #526478;
  --color-border: #d9e2eb;
  --color-blue: #1674c9;
  --color-blue-dark: #0a568f;
  --color-blue-soft: #e9f3fb;
  --color-mint: #258baf;
  --shadow-soft: 0 18px 48px rgba(8, 29, 50, .09);
  --shadow-card: 0 12px 32px rgba(8, 29, 50, .06);
  --shadow-premium: 0 30px 90px rgba(3, 16, 30, .35);
  --radius-lg: 14px;
  --radius-md: 11px;
  --radius-sm: 8px;
  --container: 1240px;
  --header-height: 76px;
}

body {
  color: var(--color-text);
  background: #fff;
  font-family: Inter, "Segoe UI", Arial, sans-serif;
  line-height: 1.55;
}

.container { width: min(100% - 64px, var(--container)); }
.section { padding: 92px 0; }

.site-header,
.site-header.is-scrolled {
  background: rgba(7, 24, 42, .98);
  border-bottom: 1px solid rgba(255, 255, 255, .12);
  box-shadow: none;
}
.brand { gap: 11px; }
.logo-msg {
  width: 48px;
  height: 45px;
  border: 1px solid rgba(255, 255, 255, .55);
  border-radius: 8px;
  background: #126db8;
  box-shadow: none;
  font-size: .94rem;
  font-weight: 850;
  letter-spacing: -.035em;
}
.logo-text {
  max-width: 128px;
  color: #e9f0f7;
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .02em;
  line-height: 1.25;
}
.primary-nav { gap: 1px; }
.primary-nav a,
.primary-nav button {
  padding: 13px 11px;
  border-radius: 0;
  color: #c9d6e4;
  font-size: .9rem;
  font-weight: 650;
}
.primary-nav a:hover,
.primary-nav a:focus-visible,
.primary-nav button:hover,
.primary-nav button:focus-visible,
.primary-nav a.is-active {
  color: #fff;
  background: transparent;
}
.primary-nav a.is-active { box-shadow: inset 0 -2px 0 #65b9ed; }
.primary-nav .nav-dropdown { position: relative; }
.primary-nav .nav-dropdown > summary {
  display: flex;
  align-items: center;
  gap: 9px;
  padding: 13px 11px;
  color: #c9d6e4;
  cursor: pointer;
  font-size: .9rem;
  font-weight: 650;
  line-height: 1.3;
  list-style: none;
}
.primary-nav .nav-dropdown > summary::-webkit-details-marker { display: none; }
.primary-nav .nav-dropdown > summary::after {
  content: "";
  width: 7px;
  height: 7px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  transition: transform 180ms ease;
}
.primary-nav .nav-dropdown[open] > summary::after { transform: translateY(2px) rotate(225deg); }
.primary-nav .nav-dropdown > summary:hover,
.primary-nav .nav-dropdown > summary:focus-visible,
.primary-nav .nav-dropdown[open] > summary,
.primary-nav .nav-dropdown.is-current > summary { color: #fff; }
.primary-nav .nav-dropdown.is-current > summary { box-shadow: inset 0 -2px 0 #65b9ed; }
.primary-nav .nav-dropdown > summary:focus-visible { outline: 3px solid #91cbed; outline-offset: 3px; }
.primary-nav .nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 7px);
  left: 0;
  z-index: 110;
  min-width: 220px;
  padding: 7px;
  background: #0b243a;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 9px;
  box-shadow: 0 18px 40px rgba(3, 16, 30, .26);
}
.primary-nav .nav-dropdown-menu a {
  display: block;
  padding: 10px 12px;
  border-radius: 5px;
  white-space: nowrap;
}
.primary-nav .nav-dropdown-menu a:hover,
.primary-nav .nav-dropdown-menu a:focus-visible,
.primary-nav .nav-dropdown-menu a.is-active {
  color: #fff;
  background: rgba(255, 255, 255, .1);
  box-shadow: none;
}
.primary-nav .nav-cta {
  margin-left: 12px;
  padding: 12px 20px;
  color: #0b2a45;
  background: #e8f3fc;
  border-radius: 8px;
  box-shadow: none;
}
.primary-nav .nav-cta::before { display: none; }
.primary-nav .nav-cta:hover,
.primary-nav .nav-cta:focus-visible {
  background: #fff;
  color: #0b2a45;
  box-shadow: none;
}

/* One uninterrupted photographic first screen. */
.section-hero {
  min-height: 640px;
  padding: 0;
  color: #fff;
  background: #071a2e;
}
.hero-grid {
  position: static;
  display: flex;
  align-items: center;
  min-height: 640px;
}
.hero-content {
  z-index: 4;
  width: min(58%, 720px);
  padding: 86px 0 88px;
}
.hero-panel,
.hero-media {
  position: absolute;
  inset: 0;
  min-height: 0;
  overflow: hidden;
}
.hero-panel::before { display: none; }
.hero-media { border-radius: 0; }
.hero-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 54%;
  filter: saturate(.88) contrast(1.04);
}
.hero-media::after {
  background:
    linear-gradient(90deg, #071a2e 0%, rgba(7, 26, 46, .96) 21%, rgba(7, 26, 46, .79) 42%, rgba(7, 26, 46, .26) 68%, rgba(7, 26, 46, .06) 100%),
    linear-gradient(0deg, rgba(7, 26, 46, .3), transparent 50%);
}
.eyebrow,
.section-kicker {
  padding: 0;
  color: #1574c7;
  background: transparent;
  border: 0;
  border-radius: 0;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.eyebrow::before,
.section-kicker::before { display: none; }
.hero-content .eyebrow {
  margin-bottom: 22px;
  color: #9dd5ff;
}
.hero-content h1 {
  max-width: 700px;
  margin-bottom: 26px;
  font-size: clamp(3rem, 4.4vw, 4.75rem);
  font-weight: 730;
  line-height: 1.07;
  letter-spacing: -.045em;
  text-wrap: balance;
}
.hero-copy {
  max-width: 570px;
  color: #d8e3ed;
  font-size: 1.07rem;
  line-height: 1.62;
}
.hero-actions { gap: 12px; margin: 28px 0 17px; }
.button {
  min-height: 52px;
  padding: 14px 23px;
  border-radius: 8px;
  font-size: .95rem;
  font-weight: 750;
  box-shadow: none;
}
.button-primary {
  color: #fff;
  background: #1675c9;
  box-shadow: none;
}
.button-primary:hover,
.button-primary:focus-visible {
  background: #0c61ad;
  box-shadow: 0 12px 28px rgba(22, 117, 201, .22);
}
.button-secondary {
  color: #136ab5;
  background: #fff;
  border: 1px solid #c8deef;
  box-shadow: none;
}
.button-secondary:hover,
.button-secondary:focus-visible {
  background: #e9f3fc;
  box-shadow: none;
}
.button-primary::after,
.button-secondary::before { display: none; }
.hero-actions .button-secondary {
  color: #fff;
  background: rgba(255, 255, 255, .06);
  border-color: rgba(255, 255, 255, .55);
}
.hero-actions .button-secondary:hover { background: rgba(255, 255, 255, .16); }
.hero-reassurance,
.hero-points { color: #d6e5f1; }
.hero-reassurance::before { background: #a5d9fb; }
.hero-points { margin-top: 29px; gap: 20px; }
.hero-points li { color: #e4eef8; font-weight: 600; }
.hero-points li::before { background: #7ac2ef; }

.trust-bar-section {
  padding: 24px 0;
  background: #fff;
  border-bottom: 1px solid var(--color-border);
}
.trust-bar-grid {
  width: min(100% - 64px, var(--container));
  padding: 0;
  background: none;
  border: 0;
  box-shadow: none;
}
.trust-bar-card { padding: 10px 20px; }
.trust-bar-card:first-child { padding-left: 0; }
.trust-bar-card strong { color: #142b41; font-size: .94rem; }
.trust-bar-card p { color: #6b7e90; font-size: .83rem; }
.trust-bar-icon { color: #1269b1; background: #e9f3fb; border-radius: 8px; }

h2 {
  font-size: clamp(2rem, 3vw, 2.75rem);
  font-weight: 720;
  letter-spacing: -.035em;
  line-height: 1.14;
  text-wrap: balance;
}
h3 { letter-spacing: -.02em; }
.section-heading,
.services-section .section-heading {
  max-width: 770px;
  margin: 0 0 38px;
  text-align: left;
}
.section-heading p,
.quote-copy p,
.modal-header p { font-size: 1rem; line-height: 1.65; }

.services-section { background: #f4f7fa; }
.services-grid { gap: 16px; }
.service-card {
  min-height: 252px;
  padding: 30px;
  border: 1px solid #dae4ed;
  border-radius: 12px;
  box-shadow: none;
}
.service-card:hover {
  transform: translateY(-3px);
  border-color: #a9cbe4;
  box-shadow: var(--shadow-card);
}
.service-card:nth-child(-n+2) {
  color: #fff;
  background: #102d49;
  border-color: #102d49;
}
.service-card:nth-child(-n+2) p { color: #c2d5e5; }
.service-card h3 { font-size: 1.3rem; }
.icon-badge {
  width: 48px;
  height: 48px;
  margin-bottom: 26px;
  color: #1773bd;
  background: #edf5fb;
  border: 0;
  border-radius: 9px;
  box-shadow: none;
}
.service-card:nth-child(-n+2) .icon-badge {
  color: #fff;
  background: rgba(255, 255, 255, .12);
}
.service-card p,
.trust-item p,
.quote-card p { font-size: .98rem; line-height: 1.6; }

.trust-section,
.partners-section {
  background: #fff;
  border-block: 0;
}
.trust-grid { gap: 60px; }
.trust-list { gap: 12px; }
.trust-item {
  padding: 23px;
  background: #f3f7fa;
  border: 1px solid #e2e9f0;
  border-radius: 10px;
  box-shadow: none;
}
.trust-item:hover { transform: none; box-shadow: none; }

.casco-calculator-section {
  background: #0b2138;
  border: 0;
}
.casco-calculator-grid {
  grid-template-columns: 1fr;
  gap: 30px;
}
.casco-calculator-copy { max-width: 840px; }
.casco-calculator-copy h2 { color: #fff; }
.casco-calculator-copy .section-kicker { color: #9acff1; }
.casco-calculator-copy p { color: #c2d1df; font-size: 1rem; }
.casco-disclaimer { color: #d1dce8; }
.casco-calculator-card {
  padding: clamp(24px, 3vw, 42px);
  background: #fff;
  border: 0;
  border-radius: 12px;
  box-shadow: none;
}
.casco-form { grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 14px; }
.casco-form .form-row-full { grid-column: auto; }
.casco-plan-grid { gap: 12px; }
.casco-plan-card,
.casco-plan-card.is-recommended {
  min-height: 250px;
  padding: 22px;
  background: #f6f9fb;
  border: 1px solid #dce6ee;
  border-radius: 9px;
  box-shadow: none;
  transform: none;
}
.casco-plan-card.is-recommended {
  background: #e8f3fc;
  border-color: #94bee2;
}
.casco-plan-card:hover,
.casco-plan-card.is-recommended:hover { transform: none; box-shadow: none; }
.casco-plan-price strong { color: #0d5b99; }
.casco-plan-badge { top: 12px; right: 12px; }
.casco-plan-card .button { font-size: .86rem; }

.process-section { background: #f4f7fa; }
.process-grid { gap: 12px; }
.process-card {
  background: #fff;
  border-radius: 10px;
  border: 1px solid #e1e8ef;
  box-shadow: none;
}
.process-number {
  color: #0d65ac;
  background: #e8f3fb;
  border-radius: 7px;
}
.partner-card {
  border-radius: 8px;
  background: #f7f9fb;
  box-shadow: none;
}
.legal-trust-section { background: #f4f7fa; }
.legal-trust-card {
  border: 1px solid #dae5ee;
  border-radius: 12px;
  background: #fff;
  box-shadow: none;
}
.legal-trust-icon {
  background: #156eb8;
  border-radius: 9px;
  box-shadow: none;
}
.legal-trust-details div {
  background: #f3f7fa;
  border: 0;
  border-radius: 7px;
}
.benefits-section { background: #fff; }
.benefit-card {
  background: #f4f7fa;
  border: 1px solid #e1e9f0;
  border-radius: 9px;
  box-shadow: none;
}
.benefit-card:hover { transform: none; box-shadow: none; }
.quote-section { background: #f4f7fa; }
.quote-card {
  background: #fff;
  border: 1px solid #dce5ee;
  border-radius: 11px;
  box-shadow: none;
}
.quote-card-icon {
  background: #146db6;
  border-radius: 9px;
  box-shadow: none;
}
.final-cta-section { padding: 0 0 92px; background: #f4f7fa; }
.final-cta-card {
  background: #0c2b48;
  border-radius: 12px;
  box-shadow: none;
}
.final-cta-card .section-kicker { color: #a4d7f8; }

.contact-page-hero {
  padding: 84px 0 92px;
  color: #fff;
  background:
    linear-gradient(90deg, #081a2c 0%, rgba(8, 26, 44, .93) 44%, rgba(8, 26, 44, .42) 100%),
    url("../images/msg-s-class-hero.png") center 46% / cover;
}
.contact-page-heading {
  max-width: var(--container);
  text-align: left;
}
.contact-page-heading .section-kicker { color: #a4d8f8; }
.contact-page-heading h1 {
  max-width: 740px;
  margin: 0 0 16px;
  font-size: clamp(2.6rem, 4.5vw, 4.3rem);
  letter-spacing: -.04em;
}
.contact-page-heading p {
  max-width: 580px;
  margin: 0;
  color: #d5e2ed;
  font-size: 1.06rem;
}
.contact-section-v2,
.contact-page-section {
  padding: 70px 0 92px;
  background: #f4f7fa;
}
.contact-shell {
  padding: 0;
  border: 1px solid #dce5ed;
  border-radius: 12px;
  background: #fff;
  box-shadow: none;
}
.contact-info-panel {
  background: #102d49;
  border-radius: 11px 0 0 11px;
}
.contact-form-card {
  margin: 0;
  border-radius: 0;
  box-shadow: none;
}
.contact-info-head .section-kicker { color: #a6d6f4; }
.contact-submit { width: auto; }
.contact-action-card,
.contact-wide-card { box-shadow: none; }

.form-row label { color: #30465d; font-size: .9rem; }
.service-card .service-link {
  display: inline-block;
  margin-top: 19px;
  padding-bottom: 2px;
  border-bottom: 2px solid #1674c9;
  color: #0d629c;
  font-size: .94rem;
  font-weight: 750;
}
.service-card .service-link:hover { color: #073f6a; border-color: #073f6a; }
.form-row input,
.form-row select,
.form-row textarea {
  border-color: #cdd9e4;
  border-radius: 7px;
  background: #fff;
  box-shadow: none;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  transform: none;
  border-color: #1674c9;
  box-shadow: 0 0 0 3px rgba(22, 116, 201, .13);
}
.modal-dialog { border-radius: 12px; }
.site-footer { background: #071a2d; }
a:focus-visible,
button:focus-visible { outline: 3px solid #91cbed; outline-offset: 3px; }

@media (max-width: 1100px) {
  .casco-form { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 980px) {
  .container,
  .trust-bar-grid { width: min(100% - 40px, var(--container)); }
  .menu-toggle { background: transparent; border-color: rgba(255,255,255,.35); }
  .menu-toggle span { background: #fff; }
  .primary-nav {
    background: #fff;
    border-radius: 10px;
    max-height: calc(100dvh - var(--header-height) - 24px);
    overflow-y: auto;
  }
  .primary-nav a,
  .primary-nav button { color: #18344f; }
  .primary-nav a:hover,
  .primary-nav a:focus-visible,
  .primary-nav button:hover,
  .primary-nav button:focus-visible,
  .primary-nav a.is-active { color: #0a65a9; }
  .primary-nav .nav-dropdown > summary {
    padding: 13px 14px;
    color: #18344f;
    justify-content: space-between;
  }
  .primary-nav .nav-dropdown > summary:hover,
  .primary-nav .nav-dropdown > summary:focus-visible,
  .primary-nav .nav-dropdown[open] > summary,
  .primary-nav .nav-dropdown.is-current > summary { color: #0a65a9; }
  .primary-nav .nav-dropdown.is-current > summary { box-shadow: none; }
  .primary-nav .nav-dropdown-menu {
    position: static;
    min-width: 0;
    margin: 0 0 4px;
    padding: 4px 8px 4px 14px;
    background: #f1f6fa;
    border: 0;
    border-radius: 7px;
    box-shadow: none;
  }
  .primary-nav .nav-dropdown-menu a {
    width: 100%;
    color: #18344f;
    white-space: normal;
  }
  .primary-nav .nav-dropdown-menu a:hover,
  .primary-nav .nav-dropdown-menu a:focus-visible,
  .primary-nav .nav-dropdown-menu a.is-active {
    color: #0a65a9;
    background: #e3f0fa;
  }
  .primary-nav .nav-cta { background: #1674c9; color: #fff; }
  .primary-nav .nav-cta:hover { color: #fff; background: #0b5e9e; }
  .section-hero { min-height: 0; }
  .hero-grid { display: grid; grid-template-columns: 1fr; min-height: 0; }
  .hero-content { width: 100%; padding: 64px 0 45px; }
  .hero-panel {
    position: relative;
    min-height: 380px;
    margin-inline: calc((min(100vw - 40px, var(--container)) - 100vw) / 2);
  }
  .hero-media { inset: 0; }
  .hero-media::after {
    background: linear-gradient(180deg, #071a2e 0%, rgba(7,26,46,.03) 35%, rgba(7,26,46,.12) 100%);
  }
  .hero-media img { object-position: 76% center; }
  .casco-form { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .contact-info-panel { border-radius: 11px 11px 0 0; }
  .contact-form-card { margin: 0; }
}
@media (max-width: 720px) {
  :root { --header-height: 68px; }
  .container,
  .trust-bar-grid { width: min(100% - 36px, var(--container)); }
  .section { padding: 64px 0; }
  .logo-msg { width: 44px; height: 42px; }
  .logo-text { display: block; font-size: .69rem; }
  .hero-content { padding: 56px 0 30px; }
  .hero-content .eyebrow { font-size: .7rem; }
  .hero-content h1 {
    max-width: 600px;
    font-size: clamp(2.35rem, 8.9vw, 3.7rem);
    letter-spacing: -.04em;
  }
  .hero-copy { font-size: 1rem; }
  .hero-actions { display: grid; }
  .hero-points { gap: 9px; margin-top: 23px; }
  .hero-points li { flex: 0 1 auto; font-size: .82rem; }
  .hero-panel {
    min-height: 250px;
    margin-inline: -18px;
  }
  .hero-media img { object-position: 72% center; }
  .trust-bar-section { padding: 14px 0; }
  .trust-bar-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; padding: 0; }
  .trust-bar-card,
  .trust-bar-card + .trust-bar-card {
    padding: 16px 10px;
    border: 0;
    border-bottom: 1px solid #e3ebf2;
  }
  .trust-bar-card:nth-child(odd) { padding-left: 0; }
  .trust-bar-card:last-child,
  .trust-bar-card:nth-last-child(2) { border-bottom: 0; }
  .trust-bar-card p { display: none; }
  h2 { font-size: clamp(1.8rem, 7vw, 2.4rem); }
  .services-grid { grid-template-columns: 1fr; }
  .service-card { min-height: 0; }
  .casco-form { grid-template-columns: 1fr; }
  .casco-plan-grid { grid-template-columns: 1fr; }
  .contact-page-hero { padding: 70px 0; background-position: 68% center; }
  .contact-page-heading h1 { font-size: clamp(2.2rem, 8.5vw, 3.5rem); }
  .contact-info-panel { padding: 30px; }
  .contact-form-card { padding: 28px; }
  .contact-submit { width: 100%; }
  .final-cta-section { padding: 0 0 64px; }
}
@media (max-width: 420px) {
  .container,
  .trust-bar-grid { width: min(100% - 32px, var(--container)); }
  .logo-text { display: block; }
  .hero-panel { margin-inline: -16px; }
  .hero-points { flex-wrap: wrap; }
  .trust-bar-card { gap: 8px; }
  .trust-bar-icon { width: 38px; height: 38px; }
  .trust-bar-card strong { font-size: .81rem; }
}