*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--pol-navy:#1A2744;--pol-gold:#C9A962;--pol-ivory:#FAF7F0;--pol-serif:'Libre Baskerville',serif;--pol-sans:'Nunito Sans',sans-serif}
html{scroll-behavior:smooth}
body.pol-body{font-family:var(--pol-sans);background:var(--pol-ivory);color:var(--pol-navy);line-height:1.6}
.pol-header{text-align:center;padding:3rem 1.5rem 2rem;background:var(--pol-navy);color:var(--pol-ivory)}
.pol-shield{color:var(--pol-gold);margin-bottom:1rem}
.pol-header h1{font-family:var(--pol-serif);font-size:clamp(1.5rem,4vw,2.25rem);margin-bottom:.5rem}
.pol-tagline{opacity:.85;font-size:.95rem}
.pol-folder-wrap{max-width:720px;margin:-1rem auto 3rem;padding:0 1rem;position:relative;z-index:2}
.pol-tabs{display:flex;gap:4px;padding-left:1rem}
.pol-tab{padding:.75rem 1.5rem;background:#e8e4dc;border:1px solid #ccc;border-bottom:none;border-radius:8px 8px 0 0;cursor:pointer;font-weight:600;font-size:.9rem;color:var(--pol-navy);transition:background .2s}
.pol-tab--life{background:#d4cfc4}
.pol-tab--auto{background:#c9c4b8}
.pol-tab--biz{background:#beb9ad}
#pol-life:checked ~ .pol-tabs .pol-tab--life,#pol-auto:checked ~ .pol-tabs .pol-tab--auto,#pol-business:checked ~ .pol-tabs .pol-tab--biz{background:var(--pol-ivory);border-color:var(--pol-gold);position:relative;z-index:2;margin-bottom:-1px;padding-bottom:calc(.75rem + 1px)}
.pol-folder-body{background:var(--pol-ivory);border:2px solid var(--pol-gold);border-radius:0 8px 8px 8px;padding:2rem;min-height:140px;box-shadow:0 8px 24px rgba(26,39,68,.1)}
.pol-panel{display:none}
#pol-life:checked ~ .pol-folder-body #pol-panel-life,#pol-auto:checked ~ .pol-folder-body #pol-panel-auto,#pol-business:checked ~ .pol-folder-body #pol-panel-business{display:block}
.pol-panel h2{font-family:var(--pol-serif);font-size:1.25rem;margin-bottom:.75rem;color:var(--pol-navy)}
section{padding:2.5rem 1.5rem;max-width:640px;margin:0 auto}
section h2{font-family:var(--pol-serif);font-size:1.35rem;margin-bottom:1.25rem;color:var(--pol-navy);border-bottom:2px solid var(--pol-gold);padding-bottom:.35rem;display:inline-block}
.pol-coverage-list{list-style:none}
.pol-coverage-list li{padding:.6rem 0;border-bottom:1px solid rgba(26,39,68,.1);display:flex;align-items:center;gap:.75rem}
.pol-icon{color:var(--pol-gold);font-size:.7rem}
.pol-steps{counter-reset:step;padding-left:0;list-style:none}
.pol-steps li{counter-increment:step;padding:.75rem 0 .75rem 2.5rem;position:relative;border-left:2px solid var(--pol-gold);margin-left:1rem;padding-left:2rem}
.pol-steps li::before{content:counter(step);position:absolute;left:-1.1rem;top:.65rem;width:1.75rem;height:1.75rem;background:var(--pol-navy);color:var(--pol-gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700}
.pol-disclaimer-col{max-width:480px;margin:0 auto 2rem;padding:1.5rem;background:rgba(26,39,68,.05);border-left:4px solid var(--pol-gold);font-size:.85rem;line-height:1.7}
.pol-contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;max-width:720px}
.pol-contact-info{font-size:.9rem;line-height:1.8}
.pol-contact-info a{color:var(--pol-navy);font-weight:600}
.pol-form{display:grid;gap:.85rem}
.pol-form label{display:flex;flex-direction:column;gap:.3rem;font-size:.85rem;font-weight:600}
.pol-form input,.pol-form textarea{padding:.6rem;border:1px solid #ccc;border-radius:4px;font-family:var(--pol-sans)}
.pol-check{flex-direction:row!important;align-items:flex-start;font-weight:400!important}
.pol-check input{width:auto;margin-right:.5rem;margin-top:.15rem}
.pol-form button{background:var(--pol-navy);color:var(--pol-ivory);border:none;padding:.75rem;border-radius:4px;font-weight:600;cursor:pointer}
.pol-form button:hover{background:#243556}
.pol-success{color:#2a6;font-size:.9rem}
.pol-form .pol-error{color:#c00;font-size:.8rem;font-weight:400}
.pol-footer{background:var(--pol-navy);color:var(--pol-ivory);padding:2rem;text-align:center}
.pol-footer nav{display:flex;justify-content:center;gap:2rem;margin-bottom:1rem;flex-wrap:wrap}
.pol-footer a{color:var(--pol-gold);text-decoration:none;font-size:.9rem}
.pol-legal{max-width:480px;margin:0 auto 2rem;padding:1.5rem;font-size:.85rem;display:none}
.pol-legal:target{display:block;background:#fff;border:1px solid var(--pol-gold);border-radius:4px}
.pol-legal h3{font-family:var(--pol-serif);margin-bottom:.75rem}
@media(max-width:640px){
  .pol-contact-grid{grid-template-columns:1fr}
  .pol-tab{padding:.6rem 1rem;font-size:.8rem}
}