/* Pemberton Vale Underwriters — the insurer's own brand. */
:root {
    --navy: #0b1f33;
    --navy-2: #12304d;
    --sea: #1f6f8b;
    --flare: #ff7a1a;
    --ink: #13212f;
    --muted: #5b6b7b;
    --line: #d8e0e8;
    --paper: #f5f7fa;
    font-family: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
    color: var(--ink);
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--paper); line-height: 1.5; }
a { color: var(--sea); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

header.top { background: var(--navy); color: #fff; }
header.top .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 12px; color: #fff; text-decoration: none; font-weight: 700; letter-spacing: .02em; }
.brand svg { width: 34px; height: 34px; }
.brand small { display: block; font-weight: 400; font-size: 12px; opacity: .7; letter-spacing: .12em; text-transform: uppercase; }
nav a { color: #cfe0ee; text-decoration: none; margin-left: 24px; font-size: 15px; }

.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--sea) 100%); color: #fff; padding: 72px 0 88px; }
.hero h1 { font-size: clamp(30px, 5vw, 48px); line-height: 1.1; margin: 0 0 16px; max-width: 720px; }
.hero p { font-size: 19px; max-width: 640px; color: #d6e4f0; margin: 0 0 32px; }
.ctas { display: flex; gap: 16px; flex-wrap: wrap; }
.btn { display: inline-block; padding: 14px 26px; border-radius: 6px; font-weight: 600; text-decoration: none; border: 0; font-size: 16px; cursor: pointer; }
.btn.primary { background: var(--flare); color: #fff; }
.btn.ghost { background: transparent; color: #fff; box-shadow: inset 0 0 0 2px rgba(255, 255, 255, .6); }

.covers { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; margin: -48px auto 56px; }
.cover { background: #fff; border-radius: 10px; padding: 24px; box-shadow: 0 6px 24px rgba(11, 31, 51, .08); }
.cover h3 { margin: 0 0 8px; color: var(--navy); }
.cover p { margin: 0; color: var(--muted); font-size: 15px; }

.panel { background: #fff; border-radius: 10px; padding: 32px; box-shadow: 0 6px 24px rgba(11, 31, 51, .08); margin: 40px 0 64px; }
.panel h1 { margin-top: 0; color: var(--navy); }
.lead { color: var(--muted); }
fieldset { border: 0; padding: 0; margin: 0 0 28px; }
legend { font-weight: 700; color: var(--navy); font-size: 18px; margin-bottom: 12px; border-bottom: 2px solid var(--flare); padding-bottom: 4px; }
.row { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px 20px; }
label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 4px; }
input, select { width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: 6px; font: inherit; background: #fff; }
input:focus, select:focus { outline: 2px solid var(--sea); border-color: var(--sea); }
.choice { display: flex; gap: 18px; padding-top: 8px; }
.choice label { font-weight: 400; display: flex; align-items: center; gap: 6px; }
.choice input { width: auto; }
.hp { position: absolute; left: -9999px; }
.note { font-size: 13px; color: var(--muted); }
.ref { font-size: 32px; font-weight: 700; color: var(--navy); letter-spacing: .1em; }

footer { background: var(--navy); color: #8fa5b8; font-size: 13px; padding: 28px 0; }
footer .wrap { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }