@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--navy:#10253e;--navy2:#193a5b;--gold:#d5a84b;--cream:#f7f5ef;--ink:#182536;--muted:#657286;--line:#e1e6eb;--white:#fff;--green:#176a50;--red:#a63838}
*{box-sizing:border-box}body{margin:0;background:#fbfcfd;color:var(--ink);font-family:'DM Sans',sans-serif;line-height:1.55}.topbar{background:var(--navy);color:white;display:flex;align-items:center;justify-content:space-between;padding:16px max(5vw,20px);gap:24px;position:sticky;top:0;z-index:5;box-shadow:0 3px 14px #0d20351a}.brand{display:flex;align-items:center;gap:12px;min-width:260px}.brand-mark{height:43px;width:43px;border:2px solid var(--gold);border-radius:10px;display:grid;place-items:center;font-weight:800;color:var(--gold);font-size:14px}.brand strong,.brand span{display:block}.brand strong{font-family:Manrope,sans-serif;font-size:16px}.brand span{font-size:11px;color:#cbd7e2;letter-spacing:.3px}nav{display:flex;gap:4px;flex-wrap:wrap}.nav-link{background:transparent;color:#d7e1eb;border:0;padding:10px 12px;border-radius:7px;font:600 13px 'DM Sans';cursor:pointer}.nav-link:hover,.nav-link.active{background:#ffffff17;color:#fff}.menu-toggle{display:none;background:transparent;color:white;border:1px solid #ffffff55;padding:8px 11px;border-radius:6px}.container{width:min(1160px,90vw);margin:0 auto;min-height:70vh}.view{display:none;padding:38px 0 60px}.view.active{display:block}.hero{background:linear-gradient(115deg,#10253e 0%,#1a4264 100%);color:white;border-radius:18px;padding:58px 6%;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:310px;height:310px;border:1px solid #ffffff1c;border-radius:50%;right:-80px;top:-100px;box-shadow:0 0 0 36px #ffffff08,0 0 0 76px #ffffff05}.eyebrow{font-size:11px;font-weight:800;letter-spacing:1.5px;color:#a77720}.hero .eyebrow{color:#f0cb78}.hero h1,.page-heading h1{font:800 clamp(32px,5vw,52px)/1.12 Manrope,sans-serif;letter-spacing:-1.5px;margin:15px 0}.hero p{max-width:600px;color:#d9e3ec;font-size:17px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:25px 0 10px}.btn{border:0;border-radius:7px;padding:12px 17px;font:700 14px 'DM Sans';cursor:pointer}.btn.primary{background:var(--gold);color:#17263a}.btn.primary:hover{background:#e5bb62}.btn.secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}.hero .btn.secondary{background:transparent;color:white;border-color:#ffffff65}.notice{padding:13px 16px;background:#eaf4f0;border-left:4px solid #38856b;border-radius:5px;font-size:13px;margin:18px 0;color:#214a3d}.hero .notice{position:relative;z-index:1;background:#ffffff12;color:#eaf0f6;border-color:var(--gold);max-width:800px}.notice.warning{background:#fff6e6;border-color:#d5a84b;color:#694b14}.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0 48px}.stat-card,.feature-card,.form-card,.source-panel{background:white;border:1px solid var(--line);border-radius:12px;padding:22px;box-shadow:0 5px 18px #193a5b07}.stat-label,.stat-card span{display:block;color:var(--muted);font-size:12px}.stat-card strong{display:block;font:700 20px Manrope,sans-serif;margin:7px 0}.section-heading{margin:0 0 18px}.section-heading h2,.source-panel h2{font:800 27px Manrope,sans-serif;margin:5px 0}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.feature-icon{width:40px;height:40px;border-radius:10px;background:#f5ead0;color:#725313;display:grid;place-items:center;font-size:22px}.feature-card h3{font:700 18px Manrope,sans-serif;margin:16px 0 5px}.feature-card p,.page-heading p{color:var(--muted)}.text-button{border:0;background:none;padding:8px 0;color:#1d5a83;font-weight:700;cursor:pointer}.page-heading{margin-bottom:24px}.page-heading h1{font-size:38px;margin:8px 0}.filters,.contract-tools{display:grid;grid-template-columns:2fr 1fr 1fr;gap:14px;margin:24px 0}.filters label,.contract-tools label,.form-grid label{display:flex;flex-direction:column;gap:6px;font-size:12px;font-weight:700;color:#465366}input,select{width:100%;border:1px solid #cfd8e2;border-radius:7px;padding:12px;font:14px 'DM Sans';background:white;color:var(--ink)}input:focus,select:focus{outline:2px solid #d5a84b66;border-color:#b58a31}.listing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.business-card,.contract-card,.application-card{border:1px solid var(--line);border-radius:11px;background:white;padding:19px}.business-card h3,.contract-card h3,.application-card h3{font:700 17px Manrope,sans-serif;margin:7px 0}.business-card p,.contract-card p,.application-card p{margin:5px 0;color:var(--muted);font-size:13px}.pill{display:inline-block;padding:4px 8px;border-radius:20px;background:#e9f1f7;color:#244d6b;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px}.pill.gold{background:#f8eed7;color:#735719}.pill.green{background:#e4f3ec;color:#1d674e}.pill.red{background:#fae8e8;color:#973838}.contract-summary,.admin-toolbar{display:flex;justify-content:space-between;gap:10px;align-items:center;color:var(--muted);font-size:12px;margin:12px 0}.contract-list,.application-list{display:grid;gap:12px}.contract-card{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:start}.contract-card .contract-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}.contract-card .deadline{background:#f7f8fa;border-radius:8px;padding:12px;min-width:130px;text-align:center}.deadline strong{display:block;color:var(--navy);font-size:15px}.deadline span{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px}.contract-card a,.source-panel a{color:#185d89;font-weight:700}.source-panel{margin-top:26px}.source-panel li{margin:9px 0}.small{font-size:12px;color:var(--muted)}.form-card{max-width:850px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.check-row{display:flex;gap:10px;align-items:flex-start;margin:18px 0;font-size:13px;color:#465366}.check-row input{width:auto;margin-top:4px}.form-message{margin-top:14px;font-weight:700;color:var(--green)}.form-message.error{color:var(--red)}.admin-toolbar{padding:12px 0}.application-card{display:flex;align-items:center;justify-content:space-between;gap:16px}.application-actions{display:flex;gap:8px;flex-wrap:wrap}.btn.small-btn{padding:8px 10px;font-size:12px}.btn.approve{background:#e4f3ec;color:#1d674e}.btn.reject{background:#fae8e8;color:#973838}footer{background:#0c1d30;color:#dbe4ec;text-align:center;padding:27px 15px;font-size:12px}footer p{margin:5px}.footer-brand{font:800 18px Manrope,sans-serif;color:white}footer .small{color:#aebdcb}
@media(max-width:900px){.topbar{flex-wrap:wrap}.menu-toggle{display:block}nav{display:none;width:100%;flex-direction:column;align-items:stretch}nav.open{display:flex}.nav-link{text-align:left}.listing-grid,.feature-grid{grid-template-columns:repeat(2,1fr)}.stats-grid{grid-template-columns:1fr}.hero{padding:40px 7%}}
@media(max-width:600px){.container{width:92vw}.view{padding-top:25px}.hero h1{font-size:35px}.listing-grid,.feature-grid,.filters,.contract-tools,.form-grid{grid-template-columns:1fr}.contract-card{grid-template-columns:1fr}.contract-card .deadline{display:flex;justify-content:space-between;align-items:center;text-align:left}.application-card{align-items:flex-start;flex-direction:column}.brand{min-width:0}.brand strong{font-size:14px}.page-heading h1{font-size:31px}}

/* Added prototype sections: insurance directory and referral fee calculator */
.calculator-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 5px 18px #193a5b07;max-width:900px}
.fee-results{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0 12px}
.fee-results>div{background:#f5f7f9;border:1px solid var(--line);border-radius:9px;padding:16px}
.fee-results span{display:block;color:var(--muted);font-size:12px;margin-bottom:6px}
.fee-results strong{font:800 clamp(18px,2.4vw,26px) Manrope,sans-serif;color:var(--navy)}
.referral-rules{margin-top:20px}
.quote-form{margin-top:28px}
.quote-form h2{font:800 24px Manrope,sans-serif;margin:0 0 5px}
@media(max-width:600px){.fee-results{grid-template-columns:1fr}.calculator-card{padding:17px}}