/* Covered. — UK Small Business Insurance Guide */
:root{
  --ink:#1B2A4A; --teal:#2BB3AA; --teal-dk:#1E8F88; --amber:#F0A832;
  --danger:#D95757; --paper:#FAFBFD; --slate:#5D6B85; --line:#DDE3EE;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:'Public Sans',system-ui,sans-serif;font-size:17px;line-height:1.65}
h1,h2,h3{font-family:'Archivo',sans-serif;line-height:1.12;letter-spacing:-.01em}
a{color:var(--teal-dk)}
a:focus-visible,button:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.wrap{max-width:960px;margin:0 auto;padding:0 24px}
.narrow{max-width:720px}

/* nav */
nav{background:var(--ink)}
nav .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 24px}
.logo{font-family:'Archivo',sans-serif;font-weight:800;font-size:22px;color:#fff;text-decoration:none}
.logo span{color:var(--teal)}
nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
nav ul a{color:#C9D3E8;text-decoration:none;font-size:15px}
nav ul a:hover{color:#fff}

/* hero */
.hero{background:var(--ink);color:#fff;padding:64px 0 80px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.kicker{color:var(--teal);text-transform:uppercase;letter-spacing:.22em;font-size:13px;font-weight:700;margin:0 0 14px}
.hero h1{font-size:clamp(34px,5vw,52px);font-weight:800;margin:0 0 18px}
.hero p.lead{font-size:19px;color:#C9D3E8;margin:0 0 30px;max-width:46ch}
.btn{display:inline-block;background:var(--amber);color:var(--ink);font-family:'Archivo',sans-serif;
  font-weight:700;font-size:17px;padding:15px 30px;border-radius:6px;text-decoration:none;border:0;cursor:pointer}
.btn:hover{background:#FFBE4D}
.btn.ghost{background:transparent;color:#fff;border:2px solid var(--teal);margin-left:12px}
.btn.ghost:hover{background:rgba(43,179,170,.15)}

/* policy card — signature element */
.policy{background:#fff;color:var(--ink);border-radius:8px;padding:28px 26px 24px;position:relative;
  box-shadow:0 18px 40px rgba(0,0,0,.35);border-top:10px solid var(--teal)}
.policy .doc-title{font-family:'Archivo',sans-serif;font-weight:800;font-size:14px;letter-spacing:.14em;text-transform:uppercase;color:var(--slate)}
.policy h3{margin:6px 0 14px;font-size:21px}
.policy ul{margin:0;padding:0;list-style:none}
.policy li{padding:9px 0;border-bottom:1px dashed var(--line);font-size:15px;display:flex;gap:10px}
.policy li:last-child{border-bottom:0}
.tick{color:var(--teal-dk);font-weight:800}
.stamp{position:absolute;top:-22px;right:-14px;transform:rotate(8deg);
  background:var(--danger);color:#fff;font-family:'Archivo',sans-serif;font-weight:800;
  padding:10px 14px;border-radius:4px;font-size:13px;line-height:1.25;text-align:center;
  box-shadow:0 6px 16px rgba(0,0,0,.3)}
.stamp b{font-size:19px;display:block}

/* sections */
section{padding:64px 0}
section h2{font-size:clamp(26px,3.5vw,34px);font-weight:800;margin:0 0 10px}
.sub{color:var(--slate);margin:0 0 36px;max-width:60ch}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15.5px;color:var(--slate);margin:0}
.num{font-family:'Archivo',sans-serif;font-weight:800;color:var(--teal);font-size:15px;letter-spacing:.08em}

.stats{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;text-align:center}
.stat b{display:block;font-family:'Archivo',sans-serif;font-size:40px;font-weight:800}
.stat.red b{color:var(--danger)} .stat.amber b{color:var(--amber)} .stat.teal b{color:var(--teal-dk)}
.stat span{color:var(--slate);font-size:15px}

.cta{background:var(--ink);color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{color:#C9D3E8;max-width:52ch;margin:0 auto 28px}

/* article */
.article{padding:56px 0}
.article h1{font-size:clamp(30px,4vw,42px);font-weight:800;margin:0 0 8px}
.meta{color:var(--slate);font-size:14.5px;margin-bottom:34px}
.article h2{font-size:25px;margin:38px 0 10px}
.article p,.article li{font-size:17px}
.callout{background:#EEF7F6;border-left:5px solid var(--teal);padding:16px 20px;border-radius:4px;margin:22px 0}
.callout.warn{background:#FDF3E3;border-color:var(--amber)}
.callout.danger{background:#FCEDED;border-color:var(--danger)}
.aff-note{font-size:13.5px;color:var(--slate);background:#fff;border:1px solid var(--line);
  border-radius:6px;padding:10px 14px;margin:0 0 26px}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
th{background:var(--ink);color:#fff;text-align:left;padding:10px 12px}
td{border-bottom:1px solid var(--line);padding:10px 12px;vertical-align:top}
tr:nth-child(even) td{background:#F5F7FB}

footer{background:var(--ink);color:#8A93A6;padding:44px 0;font-size:13.5px}
footer a{color:#C9D3E8}
footer .cols{display:grid;grid-template-columns:2fr 1fr;gap:40px}
footer p{margin:0 0 12px}

@media (max-width:820px){
  .hero .wrap,.grid3,.stats .wrap,footer .cols{grid-template-columns:1fr}
  .hero{padding:44px 0 56px}
  .btn.ghost{margin-left:0;margin-top:12px}
  .policy{margin-top:26px}
}