:root {
  --ink: #14212b;
  --muted: #5f6d78;
  --line: #dce5e8;
  --paper: #fbfcfb;
  --soft: #eef5f3;
  --navy: #0d2433;
  --brand-band: #27616b;
  --brand-band-dark: #1f5059;
  --blog-ink: #23313f;
  --blog-plum: #5a3f61;
  --blog-plum-dark: #3f2f48;
  --blog-lavender: #f1eef5;
  --blog-mist: #f8f5f1;
  --blog-accent: #9b6f45;
  --teal: #1e6e72;
  --teal-dark: #164f54;
  --gold: #b98b45;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(13, 36, 51, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, Arial, sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 76px;
  padding: 14px clamp(20px, 4vw, 64px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(39, 97, 107, 0.97);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 190px;
}

.brand-wordmark {
  display: inline-flex;
  align-items: baseline;
  gap: 3px;
  color: var(--white);
  line-height: 1;
  white-space: nowrap;
}

.brand-insurance {
  font-size: 19px;
  font-weight: 650;
  letter-spacing: 0;
}

.brand-lac-logo {
  display: inline-block;
  width: 56px;
  height: 30px;
  background-image: url("assets/brussels-lac-logo.png");
  background-repeat: no-repeat;
  background-position: left center;
  background-size: auto 30px;
  transform: translateY(5px);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.nav {
  display: flex;
  align-items: center;
  gap: 26px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 14px;
  font-weight: 650;
}

.nav a:hover,
.text-link:hover,
.language-switch button:hover {
  color: var(--white);
}

.header-tools {
  display: flex;
  align-items: center;
  gap: 12px;
}

.language-switch {
  display: inline-flex;
  align-items: center;
  padding: 3px;
  border: 1px solid rgba(255, 255, 255, 0.42);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.12);
}

.language-switch button {
  min-width: 38px;
  min-height: 34px;
  border: 0;
  border-radius: 4px;
  background: transparent;
  color: rgba(255, 255, 255, 0.72);
  cursor: pointer;
  font: inherit;
  font-size: 13px;
  font-weight: 800;
}

.language-switch button.is-active {
  background: var(--white);
  color: var(--brand-band-dark);
}

.header-action,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 750;
  white-space: nowrap;
}

.header-action {
  border: 1px solid rgba(255, 255, 255, 0.78);
  color: var(--white);
}

.header-action:hover {
  background: var(--white);
  color: var(--brand-band-dark);
}

.hero {
  position: relative;
  min-height: 640px;
  display: grid;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
}

.hero-media,
.hero-overlay {
  position: absolute;
  inset: 0;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-overlay {
  background:
    linear-gradient(90deg, rgba(13, 36, 51, 0.92) 0%, rgba(13, 36, 51, 0.74) 38%, rgba(13, 36, 51, 0.18) 73%),
    linear-gradient(180deg, rgba(13, 36, 51, 0.2), rgba(13, 36, 51, 0.42));
}

.hero-content {
  position: relative;
  width: min(760px, calc(100% - 40px));
  margin-left: clamp(20px, 6vw, 88px);
  padding: 120px 0 86px;
  color: var(--white);
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 690px;
  margin-bottom: 22px;
  font-size: clamp(42px, 6vw, 76px);
  line-height: 0.98;
  letter-spacing: 0;
}

.hero-lead {
  max-width: 650px;
  margin-bottom: 30px;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(17px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.button.primary {
  background: var(--teal);
  color: var(--white);
}

.button.secondary {
  border: 1px solid rgba(255, 255, 255, 0.45);
  color: var(--white);
}

.quick-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}

.quick-strip div {
  min-height: 118px;
  padding: 28px clamp(20px, 4vw, 54px);
  background: var(--white);
}

.quick-strip strong,
.quick-strip span {
  display: block;
}

.quick-strip strong {
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 18px;
}

.quick-strip span {
  color: var(--muted);
  font-size: 14px;
}

.section {
  padding: 88px clamp(20px, 5vw, 76px);
}

.intro {
  display: grid;
  grid-template-columns: 190px minmax(0, 850px);
  gap: clamp(28px, 7vw, 96px);
  background: var(--soft);
}

.section-label {
  color: var(--teal);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.intro h2,
.section-heading h2,
.documents h2,
.cta h2 {
  margin-bottom: 0;
  font-size: clamp(30px, 4vw, 48px);
  line-height: 1.08;
  letter-spacing: 0;
}

.intro p {
  max-width: 830px;
  margin: 22px 0 0;
  color: #40515c;
  font-size: 18px;
}

.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 40px;
  margin-bottom: 38px;
}

.section-heading > p {
  max-width: 520px;
  margin-bottom: 4px;
  color: var(--muted);
}

.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.problem-grid article,
.process-grid article,
.faq details {
  border: 1px solid var(--line);
  background: var(--white);
}

.problem-grid article {
  min-height: 230px;
  padding: 26px;
  border-radius: 8px;
  box-shadow: 0 10px 30px rgba(13, 36, 51, 0.05);
}

.problem-grid span {
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
}

.problem-grid h3,
.service-item h3,
.process-grid h3 {
  margin: 12px 0 10px;
  font-size: 21px;
  line-height: 1.2;
}

.problem-grid p,
.service-item p,
.process-grid p,
.faq p,
.cta p {
  color: var(--muted);
}

.services {
  background: #f6f8f8;
}

.blog-hero {
  padding: 108px clamp(20px, 5vw, 76px) 78px;
  background:
    linear-gradient(135deg, rgba(90, 63, 97, 0.96), rgba(35, 49, 63, 0.96)),
    var(--blog-plum);
  color: var(--white);
}

.blog-hero > div {
  max-width: 980px;
}

.blog-hero h1 {
  max-width: 920px;
  margin-bottom: 22px;
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.03;
}

.blog-hero p:last-child {
  max-width: 760px;
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: clamp(17px, 2vw, 21px);
}

.blog-section {
  background: var(--blog-mist);
}

.longform-section {
  background: var(--blog-lavender);
}

.longform-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.analysis-card {
  display: flex;
  min-height: 280px;
  flex-direction: column;
  justify-content: space-between;
  padding: 30px;
  border: 1px solid rgba(90, 63, 97, 0.2);
  border-radius: 8px;
  background: linear-gradient(135deg, #ffffff, #fbf7f1);
  box-shadow: 0 14px 38px rgba(63, 47, 72, 0.09);
}

.analysis-card span {
  display: inline-flex;
  width: fit-content;
  margin-bottom: 18px;
  padding: 5px 9px;
  border-radius: 999px;
  background: var(--blog-plum);
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
}

.analysis-card h3 {
  margin-bottom: 12px;
  font-size: 27px;
  line-height: 1.12;
}

.analysis-card p {
  color: var(--muted);
}

.analysis-card a {
  color: var(--blog-plum-dark);
  font-weight: 800;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.post-card {
  display: flex;
  min-height: 320px;
  flex-direction: column;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 34px rgba(63, 47, 72, 0.06);
}

.post-card span {
  width: fit-content;
  margin-bottom: 18px;
  padding: 5px 9px;
  border-radius: 999px;
  background: var(--blog-lavender);
  color: var(--blog-plum-dark);
  font-size: 12px;
  font-weight: 800;
}

.post-card h3 {
  margin-bottom: 12px;
  font-size: 22px;
  line-height: 1.18;
}

.post-card p {
  color: var(--muted);
}

.post-card a {
  margin-top: auto;
  color: var(--blog-plum-dark);
  font-weight: 800;
}

.blog-note {
  display: grid;
  grid-template-columns: minmax(260px, 0.8fr) 1.2fr;
  gap: 42px;
  background: #fffaf2;
}

.blog-note p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
}

.article-hero {
  padding: 86px clamp(20px, 5vw, 76px) 54px;
  background: linear-gradient(135deg, rgba(90, 63, 97, 0.97), rgba(35, 49, 63, 0.96));
  color: var(--white);
}

.article-hero > div {
  max-width: 980px;
}

.article-hero h1 {
  max-width: 920px;
  margin-bottom: 18px;
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1.04;
}

.article-hero p:last-child {
  max-width: 760px;
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 19px;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(220px, 300px) minmax(0, 820px);
  gap: 54px;
  align-items: start;
  padding: 76px clamp(20px, 5vw, 76px);
  background: var(--blog-mist);
}

.article-toc {
  position: sticky;
  top: 104px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fffaf2;
}

.article-toc strong {
  display: block;
  margin-bottom: 14px;
  color: var(--navy);
}

.article-toc a {
  display: block;
  padding: 8px 0;
  color: #675b67;
  font-size: 14px;
  font-weight: 700;
}

.article-content {
  padding: clamp(24px, 5vw, 48px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: 0 12px 34px rgba(63, 47, 72, 0.07);
}

.article-content h2 {
  margin: 34px 0 14px;
  font-size: clamp(26px, 3vw, 36px);
  line-height: 1.12;
}

.article-content h3 {
  margin: 26px 0 10px;
  color: var(--blog-plum-dark);
  font-size: 22px;
  line-height: 1.2;
}

.article-content h2:first-child {
  margin-top: 0;
}

.article-content p,
.article-content li {
  color: #40515c;
  font-size: 17px;
}

.article-content ul {
  margin: 0 0 22px;
  padding-left: 22px;
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}

.article-meta span {
  padding: 6px 10px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 13px;
  font-weight: 700;
}

.article-faq {
  display: grid;
  gap: 14px;
  margin-top: 18px;
}

.article-faq-item {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfb;
}

.article-faq-item h3 {
  margin-top: 0;
  color: var(--navy);
  font-size: 19px;
}

.article-faq-item p:last-child {
  margin-bottom: 0;
}

.article-callout {
  margin: 30px 0;
  padding: 22px;
  border-left: 4px solid var(--blog-accent);
  background: #fbf3e7;
  color: #40515c;
}

.legal-hero {
  padding: 84px clamp(20px, 5vw, 76px) 54px;
  background: linear-gradient(135deg, rgba(39, 97, 107, 0.96), rgba(31, 80, 89, 0.96));
  color: var(--white);
}

.legal-hero h1 {
  max-width: 880px;
  margin-bottom: 18px;
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1.04;
}

.legal-hero p:last-child {
  max-width: 760px;
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 19px;
}

.legal-content {
  max-width: 920px;
  margin: 0 auto;
  padding: 76px 20px;
}

.legal-content h2 {
  margin: 34px 0 12px;
  color: var(--navy);
  font-size: 28px;
  line-height: 1.16;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p,
.legal-content li {
  color: #40515c;
  font-size: 17px;
}

.legal-content a {
  color: var(--teal-dark);
  font-weight: 800;
}

.legal-updated {
  margin-top: 38px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}

.text-link {
  color: var(--teal-dark);
  font-weight: 750;
}

.service-list {
  display: grid;
  gap: 16px;
}

.service-item {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 22px;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 34px rgba(13, 36, 51, 0.05);
}

.service-icon {
  display: grid;
  place-items: center;
  width: 50px;
  height: 50px;
  border-radius: 8px;
  background: #e3f0ee;
  color: var(--teal-dark);
  font-weight: 800;
}

.service-item p {
  max-width: 950px;
}

.service-item ul {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 22px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.service-item li {
  position: relative;
  padding-left: 18px;
  color: #40515c;
  font-size: 15px;
}

.service-item li::before {
  content: "";
  position: absolute;
  top: 0.75em;
  left: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.process-band {
  padding: 88px clamp(20px, 5vw, 76px);
  background: var(--navy);
  color: var(--white);
}

.section-heading.light p,
.process-grid p {
  color: rgba(255, 255, 255, 0.72);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.process-grid article {
  min-height: 250px;
  padding: 28px;
  border-color: rgba(255, 255, 255, 0.14);
  background: rgba(255, 255, 255, 0.06);
}

.process-grid span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
}

.documents {
  display: grid;
  grid-template-columns: minmax(260px, 0.75fr) 1.25fr;
  gap: 42px;
  background: var(--white);
}

.documents p:not(.eyebrow) {
  margin: 18px 0 0;
  color: var(--muted);
}

.document-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.document-grid div {
  min-height: 82px;
  display: flex;
  align-items: center;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: #40515c;
  font-weight: 650;
}

.faq {
  background: #f6f8f8;
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq details {
  border-radius: 8px;
  padding: 0 22px;
}

.faq summary {
  cursor: pointer;
  padding: 22px 0;
  color: var(--navy);
  font-weight: 800;
  list-style: none;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  float: right;
  color: var(--teal);
  font-size: 22px;
  line-height: 1;
}

.faq details[open] summary::after {
  content: "-";
}

.faq p {
  margin-bottom: 22px;
}

.cta {
  display: grid;
  grid-template-columns: 1fr minmax(280px, 420px);
  gap: 34px;
  align-items: center;
  margin: 0;
  padding: 88px clamp(20px, 5vw, 76px);
  background: linear-gradient(135deg, #e8f2ef, #fbfcfb);
}

.cta > div:first-child p:last-child {
  max-width: 760px;
  margin-top: 20px;
  font-size: 18px;
}

.cta-panel {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.cta-panel h3 {
  margin-bottom: 18px;
}

.cta-panel a {
  display: block;
  margin-bottom: 10px;
  color: var(--teal-dark);
  font-size: 20px;
  font-weight: 800;
  overflow-wrap: anywhere;
}

.cta-panel p {
  margin: 18px 0 0;
  font-size: 14px;
}

.footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 28px clamp(20px, 5vw, 76px);
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  background: var(--brand-band);
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
}

.footer-main {
  display: grid;
  justify-items: end;
  gap: 8px;
  text-align: right;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 14px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.78);
  font-size: 13px;
  font-weight: 700;
}

.footer-links a:hover {
  color: var(--white);
}

.footer-logo {
  display: block;
  width: 132px;
  height: auto;
  flex: 0 0 auto;
}

.footer p {
  margin: 0;
}

@media (max-width: 980px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .nav {
    order: 3;
    flex: 1 1 100%;
    gap: 18px;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .header-tools {
    margin-left: auto;
  }

  .hero {
    min-height: 590px;
  }

  .quick-strip,
  .problem-grid,
  .longform-grid,
  .blog-grid,
  .process-grid,
  .documents,
  .blog-note,
  .article-layout,
  .cta {
    grid-template-columns: 1fr;
  }

  .article-toc {
    position: static;
  }

  .intro {
    grid-template-columns: 1fr;
  }

  .section-heading {
    display: block;
  }

  .section-heading > p,
  .section-heading .text-link {
    display: block;
    margin-top: 16px;
  }

  .service-item ul,
  .document-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .site-header {
    min-height: auto;
    padding: 12px 16px;
  }

  .brand {
    min-width: 0;
  }

  .brand-insurance {
    font-size: 17px;
  }

  .brand-lac-logo {
    width: 50px;
    height: 27px;
    background-size: auto 27px;
  }

  .header-tools {
    width: 100%;
    align-items: stretch;
  }

  .language-switch {
    flex: 0 0 auto;
  }

  .header-action {
    flex: 1;
    min-width: 0;
    white-space: normal;
    text-align: center;
  }

  .hero {
    min-height: 660px;
  }

  .hero-overlay {
    background:
      linear-gradient(90deg, rgba(13, 36, 51, 0.95), rgba(13, 36, 51, 0.78)),
      linear-gradient(180deg, rgba(13, 36, 51, 0.1), rgba(13, 36, 51, 0.44));
  }

  .hero-content {
    width: calc(100% - 32px);
    margin-left: 16px;
    padding: 92px 0 62px;
  }

  h1 {
    font-size: 42px;
  }

  .hero-actions,
  .button {
    width: 100%;
  }

  .section,
  .blog-hero,
  .article-hero,
  .legal-hero,
  .article-layout,
  .process-band,
  .cta {
    padding: 64px 16px;
  }

  .quick-strip div {
    min-height: auto;
    padding: 22px 16px;
  }

  .problem-grid article,
  .analysis-card,
  .post-card,
  .service-item,
  .process-grid article,
  .cta-panel {
    padding: 22px;
  }

  .service-item {
    grid-template-columns: 1fr;
  }

  .footer {
    display: block;
    padding: 24px 16px;
  }

  .footer-logo {
    width: 118px;
    margin-bottom: 10px;
  }

  .footer p + p {
    margin-top: 8px;
  }

  .footer-main {
    justify-items: start;
    text-align: left;
  }

  .footer-links {
    justify-content: flex-start;
  }
}