.insurance-page{background:#f5f2eb;color:#0a304b}.insurance-page .site-header{position:relative}
.insurance-hero{min-height:720px;padding:104px clamp(24px,7vw,116px);display:grid;grid-template-columns:minmax(0,1fr) minmax(350px,.58fr);align-items:center;gap:clamp(42px,7vw,110px);background:linear-gradient(90deg,rgba(9,42,62,.94) 0 45%,rgba(9,42,62,.65) 66%,rgba(9,42,62,.12)),url('/public/images/hero-resort.jpg') center/cover;color:#fff}
.insurance-hero-copy{max-width:760px}.insurance-kicker{margin:0 0 22px;color:#d5b16b;font-size:.76rem;letter-spacing:.18em;text-transform:uppercase}.insurance-hero h1{max-width:780px;margin:0;font-family:var(--font-serif,Georgia,serif);font-size:clamp(3.4rem,6.8vw,7.1rem);font-weight:400;line-height:.93;letter-spacing:-.045em}.insurance-hero h1 em{color:#dfc58d;font-weight:400}.insurance-lead{max-width:650px;margin:30px 0 0;font-size:clamp(1.04rem,1.35vw,1.24rem);line-height:1.75;color:#edf3f3}
.insurance-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}.insurance-button{display:inline-flex;min-height:52px;align-items:center;justify-content:center;padding:0 25px;border-radius:3px;background:#c7953e;color:#fff;font-size:.77rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;text-decoration:none}.insurance-button:hover{background:#a97828}.insurance-button.secondary{border:1px solid rgba(255,255,255,.8);background:transparent;color:#fff}
.insurance-quote-card{padding:38px;border:1px solid rgba(202,178,125,.5);background:rgba(250,248,243,.96);box-shadow:0 30px 80px rgba(0,0,0,.2);color:#0a304b}.insurance-quote-card .card-label{margin:0 0 12px;color:#a27629;font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.insurance-quote-card h2{margin:0;font-family:var(--font-serif,Georgia,serif);font-size:clamp(2rem,3vw,2.8rem);font-weight:400;line-height:1.08}.insurance-quote-card p{line-height:1.75;color:#526672}.insurance-quote-card .insurance-button{width:100%;box-sizing:border-box}.insurance-phone{display:block;margin-top:18px;text-align:center;color:#0a304b;font-weight:700;text-underline-offset:4px}.insurance-quote-card small{display:block;margin-top:15px;text-align:center;color:#687982;line-height:1.55}
.insurance-section{padding:100px clamp(24px,7vw,116px)}.insurance-section.alt{background:#eaf0f0}.insurance-heading{max-width:840px}.insurance-heading .insurance-kicker{color:#96702f}.insurance-heading h2{margin:0;font-family:var(--font-serif,Georgia,serif);font-size:clamp(2.7rem,5vw,5.4rem);font-weight:400;line-height:1;letter-spacing:-.04em}.insurance-heading>p:last-child{font-size:1.08rem;line-height:1.85;color:#536872}
.insurance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:50px}.insurance-feature{padding:34px;border:1px solid #d8d4ca;background:#fbfaf6}.insurance-feature span{display:grid;width:48px;height:48px;place-items:center;margin-bottom:24px;border:1px solid #c9a764;color:#9b7025;font-size:1.3rem}.insurance-feature h3{margin:0 0 12px;font-family:var(--font-serif,Georgia,serif);font-size:1.45rem;font-weight:400}.insurance-feature p{margin:0;color:#566b75;line-height:1.75}
.insurance-steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);margin-top:48px;border-block:1px solid #c9c5bb}.insurance-step{padding:36px 34px 42px}.insurance-step+ .insurance-step{border-left:1px solid #c9c5bb}.insurance-step:before{counter-increment:step;content:"0" counter(step);display:block;margin-bottom:22px;color:#9b7025;font-weight:700;letter-spacing:.1em}.insurance-step h3{margin:0 0 12px;font-family:var(--font-serif,Georgia,serif);font-size:1.35rem;font-weight:400}.insurance-step p{margin:0;color:#566b75;line-height:1.75}
.insurance-note{display:grid;grid-template-columns:minmax(0,.72fr) minmax(0,1fr);gap:64px;align-items:start}.insurance-checks{display:grid;gap:14px}.insurance-checks p{position:relative;margin:0;padding:19px 22px 19px 54px;background:#fbfaf6;color:#405863;line-height:1.7}.insurance-checks p:before{content:"✓";position:absolute;left:22px;top:19px;color:#9b7025;font-weight:800}.insurance-disclosure{padding:30px;border-left:4px solid #b88834;background:#fbfaf6}.insurance-disclosure h2{margin:0 0 14px;font-family:var(--font-serif,Georgia,serif);font-size:1.55rem;font-weight:400}.insurance-disclosure p{margin:10px 0;color:#4f6570;line-height:1.75}.insurance-disclosure a{color:#0a304b}
@media(max-width:940px){.insurance-hero{grid-template-columns:1fr;background:linear-gradient(rgba(9,42,62,.84),rgba(9,42,62,.84)),url('/public/images/hero-resort.jpg') center/cover}.insurance-quote-card{max-width:580px}.insurance-grid,.insurance-steps{grid-template-columns:1fr}.insurance-step+ .insurance-step{border-left:0;border-top:1px solid #c9c5bb}.insurance-note{grid-template-columns:1fr}}
@media(max-width:700px){.insurance-hero{padding:78px 20px}.insurance-section{padding:70px 20px}.insurance-hero h1{font-size:3.45rem}.insurance-actions{display:grid}.insurance-button{width:100%;box-sizing:border-box}.insurance-quote-card{padding:28px 23px}}