:root{--night:#06121f;--navy:#0a1d30;--gold:#c8a96b;--gold-light:#e5d2a6;--ivory:#f7f3e9;--paper:#f4f5f4;--ink:#14202c;--muted:#65717c;--line:#d9dde0;--green:#1fa56c}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.65}
body,button,input,select,textarea{font-size:16px}
a{color:inherit;text-decoration:none}
img{max-width:100%}
button,input,select,textarea{font:inherit}
.wrap{width:min(1200px,calc(100% - 48px));margin:auto}
h1,h2{font-family:Georgia,"Times New Roman",serif;font-weight:400}
.utility{background:#030b13;color:#b8c2cc;border-bottom:1px solid #ffffff10;font-size:.8rem}
.utility .wrap{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.availability{display:flex;align-items:center;gap:10px}
.availability i{width:7px;height:7px;border-radius:50%;background:#37d691;box-shadow:0 0 0 5px #37d69117}
.utility strong{color:#fff}
header{position:absolute;top:38px;left:0;right:0;z-index:10;border-bottom:1px solid #ffffff20}
.nav{height:98px;display:flex;align-items:center;justify-content:space-between;color:#fff}
.brand img{display:block;width:285px;height:72px;object-fit:contain;background:#fff;border-radius:3px;padding:7px 12px}
.navlinks{display:flex;align-items:center;gap:28px;font-size:.87rem}
.navlinks>a{color:#dce4eb}
.navlinks>a:hover{color:var(--gold-light)}
.navlinks .call{color:#fff;border:1px solid #c8a96b99;padding:11px 16px}
.hero{position:relative;min-height:850px;color:#fff;background:linear-gradient(90deg,rgba(3,11,19,.98),rgba(6,18,31,.88) 47%,rgba(6,18,31,.28)),url('assets/auslandsschaden-hero.png') center/cover;display:flex;align-items:center;padding:185px 0 88px;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 70%,var(--night))}
.hero:after{content:"";position:absolute;width:560px;height:560px;border:1px solid #c8a96b20;border-radius:50%;left:-300px;bottom:-260px;box-shadow:0 0 0 85px #c8a96b0b,0 0 0 170px #c8a96b06}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(310px,.65fr);gap:88px;align-items:end}
.kicker{display:flex;align-items:center;gap:14px;color:var(--gold-light);font-size:.75rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase}
.kicker:before{content:"";width:48px;height:1px;background:var(--gold)}
h1{font-size:clamp(3.8rem,7.2vw,7.1rem);line-height:.92;letter-spacing:-.05em;margin:26px 0 28px;max-width:780px}
.hero-lead{font-size:1.13rem;color:#d5dee6;max-width:690px;line-height:1.75;margin:0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.btn{min-height:56px;padding:0 24px;border:1px solid transparent;display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:750;cursor:pointer;transition:.22s}
.btn-gold{background:var(--gold);color:var(--night)}
.btn-gold:hover{background:#ddc083;transform:translateY(-2px)}
.btn-outline{border-color:#ffffff70;color:#fff;background:#ffffff08}
.hero-micro{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px;color:#b8c6d2;font-size:.82rem}
.hero-micro span:before{content:"◆";font-size:.5rem;color:var(--gold);margin-right:9px;vertical-align:2px}
.concierge{background:#06121fc7;border:1px solid #ffffff24;border-top:2px solid var(--gold);backdrop-filter:blur(18px);padding:31px}
.concierge .label{color:var(--gold-light);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;font-weight:800}
.concierge h2{font-size:2rem;line-height:1.12;margin:10px 0 20px;color:#fff}
.concierge ul{list-style:none;padding:0;margin:0 0 25px}
.concierge li{display:flex;gap:11px;padding:9px 0;border-bottom:1px solid #ffffff13;color:#d6e0e8;font-size:.9rem}
.concierge li:before{content:"✓";color:var(--gold);font-weight:900}
.concierge .btn{width:100%}
.concierge small{display:block;text-align:center;color:#93a5b4;margin-top:12px;font-size:.75rem}
.assurance{background:var(--night);color:#fff;border-top:1px solid #ffffff10}
.assurance-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.assurance-item{padding:29px 26px;border-right:1px solid #ffffff14}
.assurance-item:first-child{padding-left:0}
.assurance-item:last-child{border-right:0}
.assurance-item strong{display:block;font-family:Georgia,serif;font-size:1.15rem;font-weight:400}
.assurance-item span{display:block;color:#899cac;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;margin-top:4px}
.partners{border-top:1px solid #ffffff13;display:flex;align-items:center;justify-content:center;gap:14px;padding:21px;flex-wrap:wrap}
.partners>span:first-child{color:var(--gold-light);font-size:.7rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}
.partner{border:1px solid #ffffff20;padding:8px 12px;color:#d6e0e8;font-size:.79rem}
section{padding:112px 0}
.section-kicker{color:#886d39;font-size:.72rem;font-weight:800;letter-spacing:.19em;text-transform:uppercase}
.section-title{font-size:clamp(2.7rem,5vw,5rem);line-height:1.03;letter-spacing:-.04em;margin:14px 0 0}
.section-head{display:grid;grid-template-columns:1.1fr .75fr;gap:90px;align-items:end;margin-bottom:54px}
.section-head p{margin:0;color:var(--muted);font-size:1.04rem}
.services{background:var(--paper)}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #c9cfd4;border-left:1px solid #c9cfd4}
.service{background:#fff;padding:34px;min-height:265px;border-right:1px solid #c9cfd4;border-bottom:1px solid #c9cfd4;position:relative;transition:.25s}
.service:hover{background:var(--ivory);transform:translateY(-3px);box-shadow:0 22px 55px #07162612;z-index:1}
.service .number{font-family:Georgia,serif;color:var(--gold);font-size:1.15rem}
.service h3{font-family:Georgia,serif;font-weight:400;font-size:1.35rem;line-height:1.25;margin:44px 0 12px}
.service p{margin:0;color:var(--muted);font-size:.9rem}
.check-layout{display:grid;grid-template-columns:.88fr 1.12fr;gap:90px;align-items:start}
.check-copy{position:sticky;top:30px}
.check-copy .section-title{font-size:clamp(2.7rem,4.2vw,4.4rem)}
.check-copy>p{color:var(--muted);margin:22px 0 28px}
.safety{margin-top:18px;border-left:2px solid var(--gold);background:var(--ivory);padding:16px 18px;font-size:.85rem;color:#4d4435}
.check-list{border-top:1px solid var(--line)}
.check-item{display:grid;grid-template-columns:64px 1fr;gap:24px;padding:27px 0;border-bottom:1px solid var(--line)}
.step-no{font-family:Georgia,serif;font-size:2rem;color:var(--gold)}
.check-item h3{font-family:Georgia,serif;font-weight:400;font-size:1.25rem;margin:2px 0 6px}
.check-item p{margin:0;color:var(--muted);font-size:.9rem}
.process{background:var(--night);color:#fff;position:relative;overflow:hidden}
.process:after{content:"";position:absolute;right:-240px;top:-240px;width:520px;height:520px;border:1px solid #c8a96b1d;border-radius:50%;box-shadow:0 0 0 90px #c8a96b08,0 0 0 180px #c8a96b04}
.process .section-kicker{color:var(--gold-light)}
.process .section-head p{color:#9aabb9}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);position:relative;z-index:1}
.process-step{padding:0 30px;border-left:1px solid #ffffff1b}
.process-step:first-child{padding-left:0;border-left:0}
.process-step .num{font-family:Georgia,serif;font-size:2.5rem;color:var(--gold)}
.process-step h3{font-family:Georgia,serif;font-weight:400;font-size:1.25rem;margin:22px 0 8px}
.process-step p{margin:0;color:#98aab8;font-size:.88rem}
.editorial{padding:0;background:var(--night)}
.editorial-grid{display:grid;grid-template-columns:1.5fr .75fr .75fr;min-height:470px}
.editorial figure{margin:0;position:relative;overflow:hidden;border-right:1px solid #ffffff24}
.editorial img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.78) contrast(1.05);transition:.6s}
.editorial figure:hover img{transform:scale(1.025);filter:saturate(.95)}
.editorial figure:after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,#030b13e6)}
.editorial figcaption{position:absolute;z-index:1;left:28px;right:28px;bottom:24px;color:#fff;font-family:Georgia,serif;font-size:1.05rem}
.editorial small{display:block;font-family:Inter,sans-serif;color:var(--gold-light);font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:5px}
.help{display:grid;grid-template-columns:.96fr 1.04fr}
.coverage{background:var(--ivory);padding:95px max(48px,calc((100vw - 1200px)/2));padding-right:78px}
.coverage .section-title{font-size:clamp(2.7rem,4vw,4.6rem)}
.coverage>p{color:var(--muted);margin:22px 0 30px}
.country-list{display:flex;flex-wrap:wrap;gap:8px}
.country-list span{border:1px solid #d5c8aa;background:#fff9;padding:6px 10px;font-size:.75rem;color:#4c535a}
.language{margin-top:38px;padding-top:26px;border-top:1px solid #d7ccb5}
.language strong{font-family:Georgia,serif;font-weight:400;font-size:1.2rem}
.language p{font-size:.81rem;color:var(--muted);margin:7px 0 0}
.caseform{background:#e9edf0;padding:95px max(48px,calc((100vw - 1200px)/2));padding-left:78px}
.caseform h2{font-size:3rem;line-height:1.05;margin:0 0 12px}
.caseform>p{color:var(--muted);margin:0 0 28px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:.76rem;font-weight:750;color:#40505d}
.field input,.field select,.field textarea{width:100%;border:1px solid #c7d0d7;background:#fff;padding:14px;color:var(--ink);outline:none;min-height:52px;border-radius:0}
.field textarea{min-height:108px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px #c8a96b20}
.consent{display:grid;grid-template-columns:20px 1fr;gap:10px;align-items:start;font-size:.76rem;color:#52616e}
.consent input{width:18px;height:18px;margin:2px 0 0;accent-color:var(--navy)}
.consent a{text-decoration:underline;font-weight:700}
.form-note{font-size:.73rem;color:#71808d;margin-top:13px}
.faq-wrap{max-width:930px}
.faq .section-title{text-align:center}
.faq .section-kicker{display:block;text-align:center}
.faq-list{margin-top:45px;border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:24px 48px 24px 0;font-family:Georgia,serif;font-size:1.15rem;position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:5px;top:18px;color:var(--gold);font:400 1.8rem Georgia}
details[open] summary:after{content:"−"}
details p{color:var(--muted);margin:-5px 0 25px;max-width:800px}
.final{background:var(--gold);color:var(--night);padding:74px 0}
.final-grid{display:flex;align-items:center;justify-content:space-between;gap:50px}
.final h2{font-size:clamp(2.8rem,5vw,5rem);line-height:.98;margin:0}
.final p{margin:13px 0 0;max-width:650px}
.final .btn{background:var(--night);color:#fff;white-space:nowrap}
footer{background:#020910;color:#98a8b6;padding:54px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr;gap:55px}
.footer-title{font-family:Georgia,serif;color:#fff;font-size:1.3rem}
.footer-grid h3{color:var(--gold-light);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 15px}
.footer-grid p,.footer-grid a{display:block;font-size:.83rem;margin:5px 0}
.legal{border-top:1px solid #ffffff14;margin-top:42px;padding-top:22px;font-size:.72rem;display:flex;justify-content:space-between;gap:20px}
.whatsapp{position:fixed;right:20px;bottom:20px;z-index:30;min-height:58px;padding:0 21px;border-radius:999px;background:var(--green);color:#fff;display:flex;align-items:center;font-weight:800;box-shadow:0 15px 40px #001c1266}
.mobile-bar{display:none;position:fixed;left:10px;right:10px;bottom:10px;z-index:31;box-shadow:0 15px 40px #0007}
.mobile-bar a{flex:1;padding:14px 7px;text-align:center;font-weight:800}
.mobile-bar a:first-child{background:#fff;color:var(--night)}
.mobile-bar a:last-child{background:var(--green);color:#fff}
@media(max-width:980px){.navlinks a:not(.call){display:none}
.hero-grid{grid-template-columns:1fr;gap:45px}
.concierge{max-width:520px}
.section-head{grid-template-columns:1fr;gap:22px}
.service-grid{grid-template-columns:1fr 1fr}
.check-layout{grid-template-columns:1fr;gap:42px}
.check-copy{position:static}
.process-steps{grid-template-columns:1fr 1fr;gap:36px 0}
.process-step:nth-child(3){border-left:0;padding-left:0}
.editorial-grid{grid-template-columns:1.25fr .75fr}
.editorial figure:last-child{display:none}
.help{grid-template-columns:1fr}
.coverage,.caseform{padding:78px max(28px,calc((100vw - 760px)/2))}
.footer-grid{grid-template-columns:1fr 1fr}
.footer-grid>div:first-child{grid-column:1/-1}
}
@media(max-width:650px){.wrap{width:min(100% - 28px,1200px)}
.utility .wrap{justify-content:center}
.utility .wrap>span:last-child{display:none}
.nav{height:78px}
.brand img{width:220px;height:60px;padding:5px 8px}
.navlinks{display:none}
.hero{min-height:780px;padding:142px 0 64px;background:linear-gradient(180deg,#030b13c7,#06121ff5),url('assets/auslandsschaden-hero.png') 65% center/cover}
.hero-grid{gap:36px}
h1{font-size:3.55rem}
.hero-lead{font-size:1rem}
.actions .btn{width:100%}
.hero-micro{gap:8px 17px}
.concierge{padding:24px}
.assurance-grid{grid-template-columns:1fr 1fr}
.assurance-item{padding:21px 12px}
.assurance-item:nth-child(2){border-right:0}
.assurance-item:nth-child(-n+2){border-bottom:1px solid #ffffff14}
.partners{flex-direction:column;gap:9px}
.partner{width:min(100%,340px);text-align:center}
section{padding:78px 0}
.section-title{font-size:2.85rem}
.service-grid{grid-template-columns:1fr}
.service{min-height:auto}
.service h3{margin-top:28px}
.check-item{grid-template-columns:46px 1fr;gap:14px}
.process-steps{grid-template-columns:1fr}
.process-step,.process-step:nth-child(3){border-left:1px solid #ffffff1b;padding:0 0 24px 24px}
.editorial-grid{grid-template-columns:1fr;min-height:350px}
.editorial figure:nth-child(n+2){display:none}
.coverage,.caseform{padding:70px 22px}
.form-grid{grid-template-columns:1fr}
.field.full{grid-column:auto}
.final-grid{align-items:flex-start;flex-direction:column}
.footer-grid{grid-template-columns:1fr;gap:30px}
.footer-grid>div:first-child{grid-column:auto}
.legal{flex-direction:column}
.whatsapp{display:none}
.mobile-bar{display:flex}
body{padding-bottom:70px}
}

/* Premium brand lockup */
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.brand-crest{position:relative;width:72px;height:74px;overflow:hidden;flex:none;filter:drop-shadow(0 5px 14px #0008)}
.brand .brand-crest img{position:absolute;display:block;max-width:none;width:auto;height:96px;left:-4px;top:-8px;object-fit:initial;background:none;border-radius:0;padding:0}
.brand-lockup{display:flex;flex-direction:column;justify-content:center;padding-left:14px;border-left:1px solid #c8a96b66}
.brand-name{display:flex;align-items:baseline;gap:7px;font-size:1.65rem;line-height:.95;letter-spacing:.015em}
.brand-name b{font-weight:760;color:#f7f3e9}
.brand-name em{font-style:normal;font-weight:780;color:var(--gold)}
.brand-lockup small{color:#b6c2cc;font-size:.54rem;font-weight:650;letter-spacing:.21em;margin-top:8px;white-space:nowrap}
@media(max-width:650px){.brand{gap:7px}.brand-crest{width:52px;height:56px}.brand .brand-crest img{height:74px;left:-3px;top:-7px}.brand-lockup{padding-left:9px}.brand-name{font-size:1.15rem;gap:4px}.brand-lockup small{font-size:.39rem;letter-spacing:.16em;margin-top:6px}}

/* NordExpert: restrained editorial redesign */
:root{--night:#102c43;--navy:#173b57;--gold:#a37d46;--gold-light:#d6bd91;--ivory:#f7f8f8;--paper:#f2f5f6;--ink:#173047;--muted:#526777;--line:#d7e0e5}
body{background:#fff;color:var(--ink);line-height:1.6}
.wrap{width:min(1320px,calc(100% - 72px))}
.utility{background:#102c43;color:#e0e9ee;font-size:.875rem}
.utility .wrap{min-height:39px}
.availability i{background:#d7bc85;box-shadow:none}
header{position:relative;top:auto;background:#fff;border-bottom:1px solid #dce5e9;box-shadow:0 9px 30px #173b5708}
.nav{height:102px;color:var(--ink)}
.brand{display:block;flex:none}
.brand>img,.brand img{position:static;display:block;width:224px;height:auto;max-width:100%;object-fit:contain;background:transparent;border-radius:0;padding:0}
.navlinks{gap:31px;font-size:.94rem;font-weight:600}
.navlinks>a{color:#3a5365}
.navlinks>a:hover{color:#0d2c45}
.navlinks .call{background:var(--night);border:1px solid var(--night);color:#fff;padding:13px 20px}
.navlinks .call:hover{background:#244c69;color:#fff}
.hero{min-height:680px;padding:0;background:#f4f7f8;color:var(--ink);display:block;overflow:visible}
.hero:before,.hero:after{display:none}
.hero-grid{width:100%;max-width:none;display:grid;grid-template-columns:minmax(0,49%) minmax(0,51%);gap:0;align-items:stretch;min-height:680px}
.hero-copy{padding:clamp(70px,8vw,125px) clamp(40px,5vw,110px) 68px max(36px,calc((100vw - 1320px)/2));align-self:center}
.kicker{color:#6b7880;font-size:.82rem;letter-spacing:.13em;gap:12px}
.kicker:before{width:30px;background:#a37d46}
h1{font-size:clamp(3.4rem,5.6vw,6.1rem);line-height:1.02;letter-spacing:-.055em;max-width:740px;margin:27px 0 28px}
h1 em{font-style:normal;color:#52748a}
.hero-lead{color:#526777;max-width:620px;font-size:1.125rem;line-height:1.72}
.actions{margin-top:35px}
.btn{border-radius:2px;min-height:58px;font-size:.94rem;letter-spacing:.01em}
.btn-gold{background:var(--night);color:#fff}
.btn-gold:hover{background:#244c69;color:#fff}
.btn-outline{color:var(--night);background:transparent;border-color:#aebec8}
.btn-outline:hover{background:#e8eef2}
.hero-micro{margin-top:45px;gap:12px 26px;color:#607480;font-size:.875rem}
.hero-micro span:before{content:"";display:inline-block;width:4px;height:4px;background:#a37d46;border-radius:50%;vertical-align:middle;margin-right:10px}
.concierge{position:relative;display:flex;flex-direction:column;justify-content:flex-end;align-items:flex-start;min-height:680px;padding:70px clamp(36px,5vw,100px) 64px;background:linear-gradient(180deg,#07172505 15%,#0717252d 42%,#071725ed 100%),url('assets/auslandsschaden-hero.png') 69% center/cover;border:0;backdrop-filter:none;color:#fff;box-shadow:none}
.concierge>*{position:relative;z-index:1;max-width:480px}
.concierge .label{color:#e8d0a3;font-size:.78rem;letter-spacing:.15em}
.concierge h2{font-size:clamp(2rem,3.2vw,3.2rem);line-height:1.06;letter-spacing:-.025em;margin:13px 0 15px}
.concierge ul{margin:0 0 24px;width:100%}
.concierge li{padding:8px 0;color:#f1f5f7;font-size:.94rem;border-color:#ffffff3b}
.concierge li:before{color:#dfc18b}
.concierge .btn{background:#fff;color:#123149;width:auto;min-width:280px}
.concierge .btn:hover{background:#eef3f6}
.concierge small{color:#d0dce4;text-align:left;font-size:.82rem;margin-top:10px}
.assurance{background:#0e2b43;border-top:0}
.assurance-item{padding:26px 34px}
.assurance-item strong{font-family:inherit;font-size:1rem;font-weight:650}
.assurance-item span{color:#b5c6d1;font-size:.8rem;letter-spacing:.03em;text-transform:none}
.partners{padding:25px 0;gap:9px}
.partners>span:first-child{color:#d7bc85;font-size:.78rem;margin-right:14px}
.partner{border-color:#ffffff28;color:#dce7ed;font-size:.85rem;padding:9px 13px}
section{padding:100px 0}
.section-kicker{color:#8b6736;font-size:.8rem;letter-spacing:.13em}
.section-title{font-size:clamp(2.75rem,4.7vw,4.8rem)}
.section-head{gap:70px}
.services{background:#f7f9fa}
.service-grid{border-color:#dbe3e8}
.service{border-color:#dbe3e8;padding:37px;min-height:250px}
.service:hover{background:#f1f5f7;transform:none;box-shadow:inset 0 3px #a37d46}
.service .number{color:#8d704f}
.service h3{margin-top:35px}
.service p,.check-item p,.process-step p{font-size:1rem}
.safety{background:#f0f4f5;color:#344c5e;font-size:.94rem}
.process{background:#102c43}
.process:after{display:none}
.process .section-head p,.process-step p{color:#bfd0da}
.editorial img{filter:saturate(.85)}
.coverage{background:#f4f6f6}
.caseform{background:#e9eff2}
.country-list span{background:#fff;border-color:#d9e2e7;font-size:.82rem;color:#415869}
.language{border-color:#ced9df}
.field label,.consent{font-size:.88rem}
.form-note{font-size:.83rem}
.final{background:#dfe9ee;color:#15354d}
.final .btn{background:#15354d}
footer{background:#0b2438}
.footer-logo{background:#fff;width:260px;padding:10px 15px;margin-bottom:20px}
.footer-logo img{display:block;width:100%;height:auto}
.footer-grid p,.footer-grid a{font-size:.92rem}
.footer-grid h3{font-size:.82rem}
.legal{font-size:.83rem}
.whatsapp{font-size:.9rem}
:focus-visible{outline:3px solid #bd934e;outline-offset:3px}
@media(max-width:980px){
 .wrap{width:min(100% - 44px,1320px)}
 .nav{height:88px}
 .hero-grid{grid-template-columns:1fr 1fr;min-height:620px}
 .hero-copy{padding:70px 34px 60px 34px}
 h1{font-size:clamp(3rem,5.6vw,4.7rem)}
 .concierge{min-height:620px;padding:38px 30px 44px}
 .concierge .btn{min-width:0}
}
@media(max-width:650px){
 .wrap{width:min(100% - 32px,1320px)}
 .utility .wrap{min-height:35px}
 .nav{height:82px}
 .brand>img,.brand img{width:184px;height:auto;padding:0}
 .hero{min-height:0;padding:0;background:#f4f7f8}
 .hero-grid{grid-template-columns:1fr;min-height:0;gap:0}
 .hero-copy{padding:54px 24px 54px}
 .kicker{font-size:.74rem;letter-spacing:.09em}
 h1{font-size:clamp(3.1rem,12vw,4.2rem);margin:22px 0 23px}
 .hero-lead{font-size:1.05rem}
 .actions{margin-top:28px}
 .actions .btn{width:100%}
 .hero-micro{margin-top:30px;gap:8px 16px}
 .concierge{min-height:510px;padding:220px 24px 35px;background-position:63% center}
 .concierge h2{font-size:2.3rem}
 .concierge .btn{width:100%}
 .assurance-item{padding:22px 14px}
 .partners{padding:20px 15px}
 section{padding:74px 0}
 .service{padding:29px}
 .coverage,.caseform{padding:65px 24px}
 .country-list span{font-size:.78rem}
 .footer-logo{width:240px}
}