*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --red: #E02020;
    --red-dark: #b81818;
    --black: #111111;
    --white: #ffffff;
    --grey-light: #f6f6f6;
    --grey-mid: #e8e8e8;
    --grey-text: #666;
    --radius: 10px;
  }

  html { scroll-behavior: smooth; }
  body { font-family: 'DM Sans', sans-serif; color: var(--black); background: var(--white); overflow-x: hidden; }

  /* ── NAV ── */
  nav {
    position: sticky; top: 0; z-index: 100;
    background: var(--white);
    border-bottom: 1px solid var(--grey-mid);
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 40px; height: 64px;
  }
  .container {max-width:1400px;margin-left:auto;margin-right:auto;}
  .logo { display: flex; align-items: center; gap: 2px;  }
  .logo img { max-width:200px;  }
  .nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
  .nav-links a { text-decoration: none; color: var(--black); font-size: .9rem; font-weight: 500; transition: color .2s; }
  .nav-links a:hover { color: var(--red); }
  .nav-links .dropdown { position: relative; cursor: pointer; }
  .nav-links .dropdown::after { content: '▾'; margin-left: 4px; font-size: .7rem; }
  .btn-quote { background: var(--red); color: var(--white); border: none; border-radius: 6px; padding: 10px 22px; font-size: .9rem; font-weight: 600; cursor: pointer; transition: background .2s, transform .15s; }
  .btn-quote:hover { background: var(--red-dark); transform: translateY(-1px); }

  /* ── HERO ── */
  .hero {
    position: relative; min-height: 480px;
    background: linear-gradient(to right, rgba(0,0,0,.55) 42%, rgba(0,0,0,.1) 100%),
                url('https://images.unsplash.com/photo-1533104816931-20fa691ff6ca?w=1400&q=80') center/cover no-repeat;
    display: flex; align-items: center; padding: 60px 40px;
  }
  .hero-content { max-width: 520px; }
  .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; color: var(--white); line-height: 1.15; margin-bottom: 18px; }
  .hero h1 em { color: var(--red); font-style: normal; }
  .hero p { color: rgba(255,255,255,.88); font-size: 1rem; line-height: 1.65; margin-bottom: 32px; max-width: 400px; }
  .hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
  .btn-primary { background: var(--red); color: var(--white); border: none; border-radius: 7px; padding: 13px 26px; font-size: .95rem; font-weight: 600; cursor: pointer; display: inline-flex; align-items: center; gap: 8px; transition: background .2s, transform .15s; text-decoration: none; }
  .btn-primary:hover { background: var(--red-dark); transform: translateY(-2px); }
  .btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.7); border-radius: 7px; padding: 11px 24px; font-size: .95rem; font-weight: 600; cursor: pointer; display: inline-flex; align-items: center; gap: 8px; transition: border-color .2s, background .2s; text-decoration: none; }
  .btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.1); }

  /* ── TRUST BAR ── */
  .trust-bar {
    background: var(--black); color: var(--white);
    display: grid; grid-template-columns: repeat(4, 1fr);
    padding: 22px 40px; gap: 16px;
  }
  .trust-item { display: flex; align-items: center; gap: 12px; }
  .trust-icon { width: 38px; height: 38px; border-radius: 50%; border: 2px solid rgba(255,255,255,.25); display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 1rem; }
  .trust-item span { font-size: .82rem; font-weight: 500; line-height: 1.4; }

  /* ── SECTION SHELL ── */
  section { padding: 72px 40px; }
  .section-label { text-transform: uppercase; letter-spacing: .12em; font-size: .75rem; font-weight: 700; color: var(--red); margin-bottom: 10px; }
  .section-title { font-family: 'Playfair Display', serif; font-size: clamp(1.7rem, 3.5vw, 2.3rem); font-weight: 700; line-height: 1.2; margin-bottom: 40px; text-align: center; }

  /* ── COVER CARDS ── */
  .cover-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
  .cover-card { border: 1px solid var(--grey-mid); border-radius: var(--radius); overflow: hidden; transition: box-shadow .25s, transform .25s; background: var(--white); }
  .cover-card:hover { box-shadow: 0 8px 32px rgba(0,0,0,.12); transform: translateY(-4px); }
  .cover-img { width: 100%; height: 160px; object-fit: cover; display: block; }
  .cover-body { padding: 20px; }
  .cover-icon { width: 36px; height: 36px; margin-bottom: 12px; display: flex; align-items: center; justify-content: center; background: #fff0f0; border-radius: 8px; font-size: 1.1rem; }
  .cover-body h3 { font-weight: 700; font-size: 1rem; margin-bottom: 8px; }
  .cover-body p { color: var(--grey-text); font-size: .85rem; line-height: 1.55; margin-bottom: 18px; }
  .link-btn { display: inline-flex; align-items: center; gap: 6px; color: var(--black); font-size: .85rem; font-weight: 600; text-decoration: none; border: 1px solid var(--grey-mid); border-radius: 6px; padding: 8px 14px; transition: background .2s, border-color .2s; }
  .link-btn:hover { background: var(--grey-light); border-color: #ccc; }
  .link-btn .arrow { transition: transform .2s; }
  .link-btn:hover .arrow { transform: translateX(3px); }

  /* ── WHY CHOOSE ── */
  .why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
  .why-item .why-icon { width: 60px; height: 60px; margin: 0 auto 16px; border: 2px solid var(--red); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--red); }
  .why-item h4 { font-weight: 700; margin-bottom: 10px; font-size: .98rem; }
  .why-item p { color: var(--grey-text); font-size: .85rem; line-height: 1.6; }

  /* ── TRUSTED BANNER ── */
  .trusted-band {
    display: grid; grid-template-columns: 1fr 1fr; gap: 0;
    background: var(--white); margin: 0 40px 72px; border-radius: var(--radius);
    overflow: hidden; border: 1px solid var(--grey-mid);
    box-shadow: 0 4px 24px rgba(0,0,0,.07);
  }
  .trusted-img { width: 100%; height: 100%; min-height: 280px; object-fit: cover; display: block; }
  .trusted-content { padding: 48px 44px; display: flex; flex-direction: column; justify-content: center; }
  .trusted-content h2 { font-family: 'Playfair Display', serif; font-size: 1.8rem; font-weight: 800; margin-bottom: 14px; }
  .trusted-content p { color: var(--grey-text); font-size: .9rem; line-height: 1.65; margin-bottom: 20px; }
  .trusted-content .partner-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: #999; margin-bottom: 6px; }
  .allianz-logo { display: flex; align-items: center; gap: 10px; font-size: 1.5rem; font-weight: 800; margin-bottom: 22px; }
  .allianz-badge { width: 40px; height: 40px; background: var(--black); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--white); font-size: .75rem; font-weight: 700; }
  .trust-checks { display: flex; flex-direction: column; gap: 8px; }
  .trust-check { display: flex; align-items: center; gap: 10px; font-size: .85rem; color: #444; }
  .trust-check::before { content: '✓'; color: var(--red); font-weight: 700; }

  /* ── POLICY SECTION ── */
  .policy-section { background: var(--grey-light); }
  .policy-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; text-align: center; }
  .policy-item .p-icon { width: 52px; height: 52px; margin: 0 auto 14px; color: var(--red); font-size: 1.5rem; display: flex; align-items: center; justify-content: center; }
  .policy-item h4 { font-weight: 700; font-size: .95rem; margin-bottom: 8px; }
  .policy-item p { color: var(--grey-text); font-size: .82rem; margin-bottom: 14px; }
  .red-link { color: var(--red); font-weight: 600; font-size: .85rem; text-decoration: none; display: inline-flex; align-items: center; gap: 5px; }
  .red-link:hover { text-decoration: underline; }

  /* ── FOOTER ── */
  footer { background: var(--black); color: rgba(255,255,255,.75); padding: 48px 40px 28px; }
  .footer-top { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 40px; }
  .footer-brand .logo { color: var(--white); margin-bottom: 14px; display: inline-flex; }
  .social-row { display: flex; gap: 10px; margin-top: 14px; }
  .social-btn { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,.25); display: flex; align-items: center; justify-content: center; font-size: .85rem; cursor: pointer; transition: border-color .2s; color: rgba(255,255,255,.75); text-decoration: none; }
  .social-btn:hover { border-color: var(--white); }
  .rating { margin-top: 14px; font-size: .78rem; color: rgba(255,255,255,.5); }
  .stars { color: #00b67a; font-size: .9rem; }
  .footer-col h5 { color: var(--white); font-size: .85rem; font-weight: 700; margin-bottom: 14px; text-transform: uppercase; letter-spacing: .06em; }
  .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
  .footer-col ul a { color: rgba(255,255,255,.65); font-size: .82rem; text-decoration: none; transition: color .2s; }
  .footer-col ul a:hover { color: var(--white); }
  .footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-top: 22px; font-size: .75rem; color: rgba(255,255,255,.4); line-height: 1.7; text-align:center; }

  /* ── RESPONSIVE ── */
  @media (max-width: 900px) {
    nav { padding: 0 20px; }
    .nav-links { display: none; }
    .hero { padding: 48px 20px; }
    .trust-bar { grid-template-columns: repeat(2, 1fr); padding: 20px; }
    section { padding: 48px 20px; }
    .cover-grid, .why-grid, .policy-grid { grid-template-columns: repeat(2, 1fr); }
    .trusted-band { grid-template-columns: 1fr; margin: 0 20px 48px; }
    .trusted-img { min-height: 220px; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 24px; }
  }
  @media (max-width: 560px) {
    .cover-grid, .why-grid, .policy-grid { grid-template-columns: 1fr; }
    .trust-bar { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; }
  }

  /* ── ANIMATIONS ── */
  @keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
  .hero-content { animation: fadeUp .7s ease both; }
  .cover-card { animation: fadeUp .5s ease both; }
  .cover-card:nth-child(2) { animation-delay: .08s; }
  .cover-card:nth-child(3) { animation-delay: .16s; }
  .cover-card:nth-child(4) { animation-delay: .24s; }