/* ==========================================================================
   Reward Enterprises Ltd — Design System
   Style:  Trust & Authority (ui-ux-pro-max)
   Type:   IBM Plex Sans
   Build:  mobile-first, no framework, no build step
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root{
  /* Brand — taken straight from the Reward Enterprises logo.
     Navy #08264B (the figures) and gold #B88A2B (the globe linework). */
  --navy-950:#04162E;
  --navy-900:#08264B;   /* brand navy */
  --navy-800:#0C3565;
  --navy-700:#124680;   /* 9.5:1 on white — safe for links and labels */
  --navy-600:#1A5A9E;
  --navy-500:#2A72BE;
  --navy-100:#D9E4F2;
  --navy-50:#EDF2F9;

  /* Dark banner surface — lighter and airier than the brand navy so the hero
     and page headers don't read as heavy. Brand navy stays for type + logo. */
  --surface-dark:#103A6B;
  --surface-dark-grad:linear-gradient(160deg,#14477F 0%,#103A6B 48%,#0C2F58 100%);

  --gold-800:#6B4E12;
  --gold-700:#8A6518;   /* 5.3:1 on white — safe for gold text */
  --gold-600:#B88A2B;   /* brand gold — primary CTA */
  --gold-550:#A67A22;   /* CTA hover */
  --gold-500:#C99B3D;
  --gold-300:#DFC183;   /* gold on dark backgrounds */
  --gold-200:#EBD59F;
  --gold-100:#F5E9CC;
  --gold-50:#FBF6EA;

  --green-700:#0F6B45;
  --green-100:#DCFAEC;

  /* Neutrals */
  --ink:#0B1220;
  --slate-700:#334155;
  --slate-600:#475569;
  --slate-500:#64748B;
  --slate-300:#CBD5E1;
  --slate-200:#E2E8F0;
  --slate-100:#F1F5F9;
  --surface:#FFFFFF;
  --surface-alt:#F5F8FC;
  --border:#E2E8F0;
  --border-strong:#CBD5E1;

  /* Semantic */
  --color-bg:var(--surface);
  --color-fg:var(--ink);
  --color-muted:var(--slate-600);
  --color-primary:var(--navy-900);
  --color-action:var(--gold-700);        /* deep gold button... */
  --color-action-hover:var(--gold-800);
  --color-on-action:#FFFFFF;             /* ...with white text — 5.3:1, 7.7:1 on hover */
  --color-danger:#B3261E;
  --color-ring:var(--gold-500);          /* visible on white and on navy */

  /* Spacing — 4/8 rhythm */
  --s-1:.25rem; --s-2:.5rem;  --s-3:.75rem; --s-4:1rem;
  --s-5:1.25rem;--s-6:1.5rem; --s-8:2rem;   --s-10:2.5rem;
  --s-12:3rem;  --s-16:4rem;  --s-20:5rem;  --s-24:6rem;

  /* Radius */
  --r-sm:8px; --r-md:12px; --r-lg:16px; --r-xl:22px; --r-2xl:28px; --r-full:999px;

  /* Elevation */
  --sh-1:0 1px 2px rgba(11,18,32,.06), 0 1px 3px rgba(11,18,32,.05);
  --sh-2:0 4px 8px rgba(11,18,32,.05), 0 2px 4px rgba(11,18,32,.04);
  --sh-3:0 12px 28px rgba(11,18,32,.09), 0 4px 10px rgba(11,18,32,.05);
  --sh-4:0 24px 56px rgba(8,38,75,.16), 0 8px 20px rgba(8,38,75,.08);

  /* Motion */
  --ease-out:cubic-bezier(.16,.84,.44,1);
  --t-fast:150ms; --t-base:220ms; --t-slow:320ms;

  /* Layers */
  --z-base:1; --z-sticky:40; --z-header:50; --z-drawer:80; --z-modal:100;

  --container:1200px;
  --header-h:68px;
}

/* ---------- 2. Reset & base ---------- */
*,*::before,*::after{box-sizing:border-box}
/* Author display rules (e.g. .stepper{display:flex}) otherwise beat the UA
   [hidden] rule, so elements hidden from script would stay visible. */
[hidden]{display:none !important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px)}
body{
  margin:0;
  font-family:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  font-size:1rem;             /* 16px — no iOS auto-zoom */
  line-height:1.65;
  color:var(--color-fg);
  background:var(--color-bg);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img,svg,video{max-width:100%;height:auto;display:block}
img{background:var(--slate-100)}
h1,h2,h3,h4,h5,h6{margin:0 0 var(--s-4);line-height:1.18;font-weight:700;letter-spacing:-.021em;color:var(--color-primary)}
p{margin:0 0 var(--s-4)}
ul,ol{margin:0 0 var(--s-4);padding-left:1.15rem}
li{margin-bottom:var(--s-2)}
a{color:var(--navy-700);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:var(--navy-800)}
strong{font-weight:600;color:var(--color-primary)}
hr{border:0;border-top:1px solid var(--border);margin:var(--s-10) 0}
table{border-collapse:collapse;width:100%}

/* Type scale — fluid, 16px floor */
h1,.h1{font-size:clamp(2rem,1.35rem + 3.1vw,3.5rem)}
h2,.h2{font-size:clamp(1.6rem,1.2rem + 1.9vw,2.5rem)}
h3,.h3{font-size:clamp(1.2rem,1.06rem + .7vw,1.5rem)}
h4,.h4{font-size:1.0625rem}
.lede{font-size:clamp(1.0625rem,1rem + .35vw,1.25rem);color:var(--color-muted);line-height:1.6;max-width:62ch}
.small{font-size:.875rem}
.eyebrow{
  display:inline-flex;align-items:center;gap:var(--s-2);
  font-size:.75rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  color:var(--navy-700);margin-bottom:var(--s-3);
}
.eyebrow--on-dark{color:var(--gold-300)}
.tabular{font-variant-numeric:tabular-nums}

/* Accessibility helpers */
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{
  position:absolute;left:var(--s-4);top:-100px;z-index:var(--z-modal);
  background:var(--navy-900);color:#fff;padding:var(--s-3) var(--s-5);
  border-radius:var(--r-sm);font-weight:600;text-decoration:none;
  transition:top var(--t-fast) var(--ease-out);
}
.skip-link:focus{top:var(--s-4);color:#fff}
:where(a,button,input,select,textarea,summary,[tabindex]):focus-visible{
  outline:3px solid var(--color-ring);outline-offset:2px;border-radius:4px;
}

/* ---------- 3. Layout ---------- */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--s-5)}
@media(min-width:768px){.container{padding-inline:var(--s-8)}}
@media(min-width:1280px){.container{padding-inline:var(--s-6)}}

.section{padding-block:var(--s-16)}
@media(min-width:768px){.section{padding-block:var(--s-20)}}
@media(min-width:1024px){.section{padding-block:var(--s-24)}}
.section--tight{padding-block:var(--s-12)}
.section--alt{background:var(--surface-alt)}
.section--navy{background:var(--surface-dark-grad);color:#DDE6F1}
.section--navy h2,.section--navy h3,.section--navy h4{color:#fff}
.section--navy .lede{color:#BCCADB}

.section-head{max-width:64ch;margin-bottom:var(--s-10)}
.section-head--center{margin-inline:auto;text-align:center}
.section-head h2{margin-bottom:var(--s-3)}

.grid{display:grid;gap:var(--s-5)}
@media(min-width:640px){.grid--2{grid-template-columns:repeat(2,1fr)}}
@media(min-width:768px){
  .grid--3{grid-template-columns:repeat(3,1fr)}
  .grid{gap:var(--s-6)}
}
@media(min-width:640px){.grid--4{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){
  .grid--4{grid-template-columns:repeat(4,1fr)}
  .grid--3-lg{grid-template-columns:repeat(3,1fr)}
}

.split{display:grid;gap:var(--s-8);align-items:center}
@media(min-width:900px){
  .split{grid-template-columns:1fr 1fr;gap:var(--s-16)}
  .split--media-first .split__media{order:-1}
}

/* ---------- 4. Buttons ---------- */
.btn{
  --btn-bg:var(--color-action);--btn-fg:var(--color-on-action);--btn-bd:transparent;
  display:inline-flex;align-items:center;justify-content:center;gap:var(--s-2);
  min-height:52px;padding:var(--s-3) var(--s-6);
  font:inherit;font-size:1rem;font-weight:600;line-height:1.2;
  color:var(--btn-fg);background:var(--btn-bg);
  border:1.5px solid var(--btn-bd);border-radius:var(--r-full);
  text-decoration:none;cursor:pointer;white-space:nowrap;
  touch-action:manipulation;
  transition:background var(--t-base) var(--ease-out),
             border-color var(--t-base) var(--ease-out),
             color var(--t-base) var(--ease-out),
             box-shadow var(--t-base) var(--ease-out),
             transform var(--t-fast) var(--ease-out);
}
.btn:hover{--btn-bg:var(--color-action-hover);color:var(--color-on-action);box-shadow:var(--sh-3)}
.btn:active{transform:scale(.98)}
.btn svg{flex:none}

.btn--lg{min-height:58px;padding:var(--s-4) var(--s-8);font-size:1.0625rem}
.btn--block{display:flex;width:100%}
.btn--ghost{--btn-bg:transparent;--btn-fg:var(--navy-900);--btn-bd:var(--border-strong)}
.btn--ghost:hover{--btn-bg:var(--slate-100);--btn-fg:var(--navy-900);color:var(--navy-900);box-shadow:none}
.btn--on-navy{--btn-bg:rgba(255,255,255,.08);--btn-fg:#fff;--btn-bd:rgba(255,255,255,.34)}
.btn--on-navy:hover{--btn-bg:rgba(255,255,255,.16);box-shadow:none}
.btn--white{--btn-bg:#fff;--btn-fg:var(--navy-900)}
.btn--white:hover{--btn-bg:var(--navy-50);--btn-fg:var(--navy-900);color:var(--navy-900)}
.btn--wa{--btn-bg:#1F9D55;--btn-fg:#fff}
.btn--wa:hover{--btn-bg:#177F44}
.btn[disabled],.btn[aria-disabled=true]{opacity:.45;pointer-events:none}

.btn-row{display:flex;flex-wrap:wrap;gap:var(--s-3)}
@media(max-width:479px){.btn-row .btn{width:100%}}

/* ---------- 5. Header ---------- */
.header{
  position:sticky;top:0;z-index:var(--z-header);
  background:rgba(255,255,255,.94);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
}
.header__bar{display:flex;align-items:center;gap:var(--s-4);min-height:var(--header-h)}
.brand{display:flex;align-items:center;gap:var(--s-3);text-decoration:none;margin-right:auto;padding-block:var(--s-2)}
.brand__mark{
  flex:none;display:block;width:42px;height:42px;
}
.brand__mark img{width:100%;height:100%;background:none;object-fit:contain}
/* The footer sits on deep navy, so it uses the light logo variant */
.brand__mark--light{width:46px;height:46px}
.brand__text{display:flex;flex-direction:column;line-height:1.12}
.brand__name{font-weight:700;font-size:1.0625rem;color:var(--navy-900);letter-spacing:-.02em}
.brand__tag{font-size:.6875rem;color:var(--slate-500);letter-spacing:.045em;text-transform:uppercase;font-weight:500}

.guardian-ribbon{background:#F8F6FB;border-bottom:1px solid rgba(49,0,111,.12)}
.guardian-ribbon__inner{display:flex;align-items:center;justify-content:center;min-height:44px;color:#31006F;text-decoration:none}
.guardian-ribbon__copy{font-size:.78rem;font-weight:700;letter-spacing:.035em;text-align:center}

.nav{display:none}
.nav__list{display:flex;align-items:center;gap:var(--s-1);list-style:none;margin:0;padding:0}
.nav__list li{margin:0}
.nav__link{
  display:block;padding:var(--s-2) var(--s-3);border-radius:var(--r-sm);
  font-size:.9375rem;font-weight:500;color:var(--slate-700);text-decoration:none;
  transition:background var(--t-fast) var(--ease-out),color var(--t-fast) var(--ease-out);
}
.nav__link:hover{background:var(--slate-100);color:var(--navy-900)}
.nav__link[aria-current=page]{color:var(--navy-900);font-weight:600;background:var(--navy-50)}
.header__cta{display:none}
@media(min-width:1024px){
  .nav{display:block}
  .header__cta{display:inline-flex}
}

/* Mobile drawer */
.nav-toggle{
  display:inline-flex;align-items:center;justify-content:center;
  width:48px;height:48px;
  background:transparent;border:1.5px solid var(--border-strong);border-radius:var(--r-md);
  color:var(--navy-900);cursor:pointer;touch-action:manipulation;
  transition:background var(--t-fast) var(--ease-out);
}
.nav-toggle:hover{background:var(--slate-100)}
@media(min-width:1024px){.nav-toggle{display:none}}
.nav-toggle__x{display:none}
.nav-toggle[aria-expanded=true] .nav-toggle__x{display:block}
.nav-toggle[aria-expanded=true] .nav-toggle__bars{display:none}

.drawer{
  position:fixed;inset:var(--header-h) 0 0;z-index:var(--z-drawer);
  background:#fff;padding:var(--s-6) var(--s-5) var(--s-16);
  overflow-y:auto;overscroll-behavior:contain;
  transform:translateY(-8px);opacity:0;visibility:hidden;
  transition:opacity var(--t-base) var(--ease-out),transform var(--t-base) var(--ease-out),visibility var(--t-base);
}
.drawer[data-open=true]{transform:none;opacity:1;visibility:visible}
@media(min-width:1024px){.drawer{display:none}}
.drawer__list{list-style:none;margin:0 0 var(--s-6);padding:0}
.drawer__list li{margin:0;border-bottom:1px solid var(--slate-100)}
.drawer__link{
  display:flex;align-items:center;justify-content:space-between;gap:var(--s-3);
  min-height:56px;padding:var(--s-3) var(--s-1);
  font-size:1.0625rem;font-weight:500;color:var(--navy-900);text-decoration:none;
}
.drawer__link[aria-current=page]{font-weight:700;color:var(--navy-700)}
.drawer__link svg{color:var(--slate-300);flex:none}
.drawer__group-label{
  font-size:.75rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  color:var(--slate-500);margin:var(--s-6) 0 var(--s-2);
}

/* ---------- 6. Hero — full-bleed photo fading into the copy ---------- */
.hero,.page-hero--photo{
  position:relative;background:var(--surface-dark);color:#fff;
  overflow:hidden;isolation:isolate;
}

/* The photograph fills the whole banner */
.hero__bg{position:absolute;inset:0;z-index:0}
.hero__bg img{
  width:100%;height:100%;object-fit:cover;
  object-position:20% 52%;   /* pushes the family into the clear right-hand zone */
  background:var(--surface-dark);
}

/* Scrim: solid on the copy side, clearing to almost nothing over the subject.
   Two layers — a horizontal fade for the text, a vertical one to seat the
   header above and settle the base. */
.hero__bg::after{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(95deg,
      rgba(9,32,62,.95) 0%,
      rgba(10,36,68,.92) 30%,
      rgba(12,43,80,.84) 43%,
      rgba(15,54,100,.42) 53%,
      rgba(16,58,107,.14) 68%,
      rgba(16,58,107,.03) 100%),
    /* the top of this frame holds bright sky and a white house — damp it down
       without touching the family, who sit in the lower half */
    linear-gradient(180deg,
      rgba(8,30,58,.62) 0%,
      rgba(8,30,58,.28) 30%,
      transparent 58%,
      rgba(8,30,58,.40) 100%);
}

.hero__inner{
  position:relative;z-index:1;
  padding-block:var(--s-12) var(--s-16);
}
.hero__copy{max-width:32rem}
@media(min-width:900px){
  .hero__inner{padding-block:var(--s-20) var(--s-20);min-height:36rem;display:flex;align-items:center}
  .hero__copy{max-width:30rem}
}
@media(min-width:1280px){
  .hero__inner{min-height:40rem}
}

.hero h1{color:#fff;margin-bottom:var(--s-5);letter-spacing:-.03em;text-wrap:balance;
  font-size:clamp(2rem,1.5rem + 2.2vw,3rem);
  text-shadow:0 2px 18px rgba(6,22,44,.45)}
.hero h1 em{font-style:normal;color:var(--gold-300);white-space:nowrap}
.hero__sub{
  font-size:clamp(1.0625rem,1rem + .4vw,1.1875rem);
  color:#D3DEEB;max-width:46ch;margin-bottom:var(--s-8);
  text-shadow:0 1px 12px rgba(6,22,44,.5);
}
.hero__pill{
  display:inline-flex;align-items:center;gap:var(--s-2);
  padding:var(--s-2) var(--s-4);margin-bottom:var(--s-6);
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.24);
  border-radius:var(--r-full);font-size:.8125rem;font-weight:500;color:#E8EEF6;
  backdrop-filter:blur(6px);
}
.hero__pill svg{color:var(--gold-300);flex:none}

/* Trust badges sit inline under the buttons */
.hero__trust{
  display:flex;flex-wrap:wrap;gap:var(--s-4) var(--s-6);
  list-style:none;margin:var(--s-8) 0 0;padding:0;
}
.hero__trust li{
  display:flex;align-items:center;gap:var(--s-2);margin:0;
  font-size:.8125rem;font-weight:600;color:#DDE6F1;letter-spacing:.01em;
}
.hero__trust svg{flex:none;color:var(--gold-300)}
@media(min-width:640px){.hero__trust li{font-size:.875rem}}

/* Floating "prefer to talk?" card over the photo */
.hero__contact{
  display:none;position:absolute;right:0;bottom:0;z-index:2;
  align-items:center;gap:var(--s-4);
  padding:var(--s-5) var(--s-8) var(--s-5) var(--s-6);
  background:rgba(9,32,62,.90);backdrop-filter:blur(10px);
  border-top:1px solid rgba(255,255,255,.16);
  border-left:1px solid rgba(255,255,255,.16);
  border-top-left-radius:var(--r-xl);
}
@media(min-width:1024px){.hero__contact{display:flex}}
.hero__contact-icon{
  flex:none;width:48px;height:48px;border-radius:var(--r-full);
  display:grid;place-items:center;
  background:var(--gold-600);color:var(--navy-900);
}
.hero__contact-lab{display:block;font-size:.8125rem;color:#BCCADB;line-height:1.4}
.hero__contact-num{
  display:block;font-size:1.25rem;font-weight:700;color:#fff;line-height:1.25;
  text-decoration:none;letter-spacing:-.01em;
}
.hero__contact-num:hover{color:var(--gold-300)}

/* Interior page headers use 4:3 photos whose subject often sits left of centre,
   so they get a flatter scrim: still dark enough for white type on the copy side,
   but never so opaque on the right that the photograph disappears. */
.page-hero--photo .hero__bg img{object-position:50% 42%}
.page-hero--photo .hero__bg::after{
  background:
    linear-gradient(95deg,
      rgba(9,32,62,.93) 0%,
      rgba(10,36,68,.89) 38%,
      rgba(12,43,80,.72) 58%,
      rgba(14,50,92,.58) 78%,
      rgba(16,58,107,.50) 100%),
    linear-gradient(180deg,
      rgba(8,30,58,.45) 0%,
      transparent 40%,
      rgba(8,30,58,.35) 100%);
}
@media(max-width:899px){
  .page-hero--photo .hero__bg::after{
    background:linear-gradient(180deg,
      rgba(8,30,58,.78) 0%,
      rgba(9,33,63,.88) 45%,
      rgba(10,36,68,.94) 100%);
  }
}

/* Mobile: the photo stays, the scrim turns vertical so the copy stays legible */
@media(max-width:899px){
  .hero__bg img{object-position:56% 42%}
  .hero__bg::after{
    background:linear-gradient(180deg,
      rgba(8,30,58,.72) 0%,
      rgba(9,33,63,.86) 42%,
      rgba(10,36,68,.94) 100%);
  }
}

/* ---------- 7. Cards ---------- */
.card{
  background:#fff;border:1px solid var(--border);border-radius:var(--r-xl);
  padding:var(--s-6);box-shadow:var(--sh-1);
  transition:box-shadow var(--t-base) var(--ease-out),border-color var(--t-base) var(--ease-out),transform var(--t-base) var(--ease-out);
}
.card h3{margin-bottom:var(--s-2)}
.card p:last-child{margin-bottom:0}
.card--link{display:block;text-decoration:none;color:inherit;height:100%}
.card--link:hover{box-shadow:var(--sh-3);border-color:var(--navy-100);transform:translateY(-3px);color:inherit}
.card--link:hover h3{color:var(--navy-700)}

.icon-tile{
  width:52px;height:52px;flex:none;border-radius:14px;display:grid;place-items:center;
  background:var(--navy-50);color:var(--navy-700);margin-bottom:var(--s-4);
  transition:background var(--t-base) var(--ease-out),color var(--t-base) var(--ease-out);
}
.card--link:hover .icon-tile{background:var(--navy-700);color:#fff}
.icon-tile--gold{background:var(--gold-100);color:var(--gold-700)}
.icon-tile--green{background:var(--green-100);color:var(--green-700)}
.icon-tile--sm{width:42px;height:42px;border-radius:11px;margin-bottom:var(--s-3)}

.card__more{
  display:inline-flex;align-items:center;gap:var(--s-2);margin-top:var(--s-4);
  font-weight:600;font-size:.9375rem;color:var(--navy-700);
}
.card--link:hover .card__more svg{transform:translateX(3px)}
.card__more svg{transition:transform var(--t-base) var(--ease-out)}

/* Path selector — "What do you need to protect?" */
.paths{display:grid;gap:var(--s-3);grid-template-columns:repeat(2,1fr)}
@media(min-width:768px){.paths{grid-template-columns:repeat(3,1fr);gap:var(--s-4)}}
@media(min-width:1100px){.paths{grid-template-columns:repeat(6,1fr)}}
.path{
  display:flex;flex-direction:column;align-items:center;gap:var(--s-3);
  padding:var(--s-5) var(--s-3);min-height:132px;text-align:center;
  background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);
  text-decoration:none;color:var(--navy-900);font-weight:600;font-size:.9375rem;line-height:1.3;
  transition:border-color var(--t-base) var(--ease-out),box-shadow var(--t-base) var(--ease-out),transform var(--t-base) var(--ease-out);
}
.path:hover{border-color:var(--navy-700);box-shadow:var(--sh-3);transform:translateY(-3px);color:var(--navy-900)}
.path__icon{
  width:46px;height:46px;border-radius:12px;display:grid;place-items:center;
  background:var(--navy-50);color:var(--navy-700);
  transition:background var(--t-base) var(--ease-out),color var(--t-base) var(--ease-out);
}
.path:hover .path__icon{background:var(--navy-700);color:#fff}

/* ---------- 8. Steps ---------- */
.steps{counter-reset:step;display:grid;gap:var(--s-6)}
@media(min-width:768px){.steps{grid-template-columns:repeat(3,1fr);gap:var(--s-8)}}
.step{position:relative;padding-top:var(--s-2)}
.step__num{
  counter-increment:step;
  width:48px;height:48px;border-radius:var(--r-full);display:grid;place-items:center;
  background:var(--navy-700);color:#fff;font-weight:700;font-size:1.125rem;
  margin-bottom:var(--s-4);box-shadow:0 4px 14px rgba(8,38,75,.3);
}
.step__num::before{content:counter(step)}
.section--navy .step__num{background:#fff;color:var(--navy-900);box-shadow:none}
@media(min-width:768px){
  .step:not(:last-child)::after{
    content:"";position:absolute;top:24px;left:60px;right:calc(var(--s-8) * -1 + 8px);
    height:2px;background:linear-gradient(90deg,var(--navy-100),transparent);
  }
  .section--navy .step:not(:last-child)::after{background:linear-gradient(90deg,rgba(255,255,255,.28),transparent)}
}

/* ---------- 9. Stats ---------- */
.stats{
  display:grid;gap:1px;grid-template-columns:repeat(2,1fr);
  background:var(--border);border:1px solid var(--border);border-radius:var(--r-xl);overflow:hidden;
}
@media(min-width:768px){.stats{grid-template-columns:repeat(4,1fr)}}
.stat{background:#fff;padding:var(--s-6) var(--s-5);text-align:center}
.section--navy .stats{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.16)}
.section--navy .stat{background:transparent}
.stat__num{
  display:block;font-size:clamp(1.75rem,1.4rem + 1.5vw,2.5rem);font-weight:700;
  line-height:1.05;color:var(--navy-900);letter-spacing:-.03em;font-variant-numeric:tabular-nums;
}
.section--navy .stat__num{color:#fff}
.stat__lab{display:block;margin-top:var(--s-2);font-size:.8125rem;color:var(--slate-600);line-height:1.4}
.section--navy .stat__lab{color:#B6C4D6}

/* ---------- 10. Feature list ---------- */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:var(--s-3)}
.checks li{display:flex;gap:var(--s-3);margin:0;line-height:1.55}
.checks svg{flex:none;margin-top:3px;color:var(--green-700)}
.section--navy .checks svg{color:#7FE3B0}
@media(min-width:640px){.checks--2{grid-template-columns:repeat(2,1fr);gap:var(--s-3) var(--s-6)}}

.media-figure{position:relative}
.media-figure img{width:100%;border-radius:var(--r-2xl);object-fit:cover;box-shadow:var(--sh-3)}
.media-figure--tall img{aspect-ratio:4/5}
.media-figure--wide img{aspect-ratio:4/3}
.media-figure__tag{
  position:absolute;left:var(--s-5);bottom:var(--s-5);right:var(--s-5);
  background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border-radius:var(--r-md);padding:var(--s-4);box-shadow:var(--sh-3);
}
.media-figure__tag p{margin:0;font-size:.875rem;color:var(--slate-700);line-height:1.5}
.media-figure__tag strong{display:block;margin-bottom:2px;color:var(--navy-900)}

/* ---------- 12. Forms ---------- */
.form-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--r-2xl);
  padding:var(--s-6);box-shadow:var(--sh-4);
}
@media(min-width:768px){.form-card{padding:var(--s-8)}}
.field{margin-bottom:var(--s-5)}
.label{display:block;font-weight:600;font-size:.9375rem;color:var(--navy-900);margin-bottom:var(--s-2)}
.label .req{color:var(--color-danger);margin-left:2px}
.hint{display:block;font-size:.8125rem;color:var(--slate-500);margin-top:var(--s-2);line-height:1.45}
.input,.select,.textarea{
  width:100%;min-height:52px;padding:var(--s-3) var(--s-4);
  font:inherit;font-size:1rem;color:var(--ink);background:#fff;
  border:1.5px solid var(--border-strong);border-radius:var(--r-md);
  transition:border-color var(--t-fast) var(--ease-out),box-shadow var(--t-fast) var(--ease-out);
}
.textarea{min-height:120px;resize:vertical;line-height:1.55}
.input:hover,.select:hover,.textarea:hover{border-color:var(--slate-500)}
.input:focus,.select:focus,.textarea:focus{
  outline:none;border-color:var(--navy-700);box-shadow:0 0 0 3px var(--navy-100);
}
.input::placeholder,.textarea::placeholder{color:var(--slate-500)}
.select{
  appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right var(--s-4) center;padding-right:var(--s-10);
}
.input[aria-invalid=true],.select[aria-invalid=true],.textarea[aria-invalid=true]{
  border-color:var(--color-danger);box-shadow:0 0 0 3px rgba(220,38,38,.12);
}
.error-msg{
  display:none;align-items:center;gap:var(--s-2);
  margin-top:var(--s-2);font-size:.8125rem;font-weight:500;color:var(--color-danger);
}
.error-msg[data-show=true]{display:flex}
.error-msg svg{flex:none}

/* Choice tiles (radio as cards) */
.choices{display:grid;gap:var(--s-3);grid-template-columns:repeat(2,1fr)}
@media(min-width:640px){.choices--3{grid-template-columns:repeat(3,1fr)}}
.choice{position:relative;margin:0}
.choice input{position:absolute;opacity:0;width:0;height:0}
.choice span{
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:var(--s-2);
  min-height:92px;padding:var(--s-4) var(--s-2);text-align:center;
  border:1.5px solid var(--border-strong);border-radius:var(--r-md);background:#fff;
  font-size:.875rem;font-weight:600;color:var(--slate-700);line-height:1.3;cursor:pointer;
  transition:border-color var(--t-fast) var(--ease-out),background var(--t-fast) var(--ease-out),color var(--t-fast) var(--ease-out);
}
.choice span svg{color:var(--slate-500);transition:color var(--t-fast) var(--ease-out)}
.choice input:hover + span{border-color:var(--slate-500);background:var(--slate-100)}
.choice input:checked + span{border-color:var(--navy-700);background:var(--navy-50);color:var(--navy-900);box-shadow:0 0 0 1px var(--navy-700) inset}
.choice input:checked + span svg{color:var(--navy-700)}
.choice input:focus-visible + span{outline:3px solid var(--color-ring);outline-offset:2px}

/* Multi-step progress */
.stepper{display:flex;align-items:center;gap:var(--s-2);margin-bottom:var(--s-6);list-style:none;padding:0}
.stepper__item{flex:1;display:flex;flex-direction:column;gap:var(--s-2);margin:0}
.stepper__bar{height:5px;border-radius:var(--r-full);background:var(--slate-200);overflow:hidden}
.stepper__item[data-state=done] .stepper__bar,
.stepper__item[data-state=current] .stepper__bar{background:var(--navy-700)}
.stepper__lab{font-size:.75rem;font-weight:600;color:var(--slate-500);letter-spacing:.02em}
.stepper__item[data-state=current] .stepper__lab{color:var(--navy-700)}
.stepper__item[data-state=done] .stepper__lab{color:var(--navy-900)}
.fstep{display:none}
.fstep[data-active=true]{display:block;animation:fadeUp var(--t-slow) var(--ease-out)}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.form-nav{display:flex;gap:var(--s-3);flex-wrap:wrap;margin-top:var(--s-6)}
.form-nav .btn{flex:1;min-width:140px}

.form-success{display:none;text-align:center;padding:var(--s-8) var(--s-4)}
.form-success[data-show=true]{display:block}
.form-success__icon{
  width:68px;height:68px;margin:0 auto var(--s-5);border-radius:var(--r-full);
  background:var(--green-100);color:var(--green-700);display:grid;place-items:center;
}

/* ---------- 13. Accordion / FAQ ---------- */
.faq{border-top:1px solid var(--border)}
.faq__item{border-bottom:1px solid var(--border)}
.faq__q{
  width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:var(--s-4);
  min-height:60px;padding:var(--s-5) 0;
  font:inherit;font-size:1.0625rem;font-weight:600;line-height:1.45;color:var(--navy-900);text-align:left;
  background:none;border:0;cursor:pointer;touch-action:manipulation;
  transition:color var(--t-fast) var(--ease-out);
}
.faq__q:hover{color:var(--navy-700)}
.faq__icon{
  flex:none;width:30px;height:30px;border-radius:var(--r-full);margin-top:1px;
  background:var(--navy-50);color:var(--navy-700);display:grid;place-items:center;
  transition:transform var(--t-base) var(--ease-out),background var(--t-base) var(--ease-out);
}
.faq__q[aria-expanded=true] .faq__icon{transform:rotate(45deg);background:var(--navy-700);color:#fff}
.faq__a{display:none;padding:0 0 var(--s-6);max-width:74ch}
.faq__a[data-open=true]{display:block;animation:fadeUp var(--t-base) var(--ease-out)}
.faq__a p:last-child,.faq__a ul:last-child{margin-bottom:0}

/* ---------- 14. CTA band ---------- */
.cta-band{position:relative;background:var(--surface-dark-grad);color:#fff;overflow:hidden;border-radius:var(--r-2xl)}
.cta-band::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(720px 420px at 82% 0%,rgba(184,138,43,.18),transparent 62%);
}
.cta-band__inner{position:relative;padding:var(--s-10) var(--s-6)}
@media(min-width:768px){.cta-band__inner{padding:var(--s-16) var(--s-12)}}
.cta-band h2{color:#fff}
.cta-band p{color:#C3CFDD;max-width:56ch}

/* ---------- 15. Footer ---------- */
.footer{background:var(--navy-950);color:#A8B6C6;padding-block:var(--s-16) var(--s-8);font-size:.9375rem}
.footer__grid{display:grid;gap:var(--s-8)}
@media(min-width:640px){.footer__grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.footer__grid{grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:var(--s-10)}}
.footer h3{font-size:.8125rem;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:var(--s-4);font-weight:600}
.footer a{color:#A8B6C6;text-decoration:none;transition:color var(--t-fast) var(--ease-out)}
.footer a:hover{color:#fff;text-decoration:underline}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:var(--s-3)}
.footer .brand__name{color:#fff}
.footer .brand__tag{color:#7E8FA2}
.footer__blurb{margin:var(--s-5) 0;max-width:42ch;line-height:1.65;color:#96A6B8}
.footer__guardian{display:flex;align-items:center;width:min(100%,360px);padding:.9rem 1rem;border:1px solid rgba(255,255,255,.14);border-radius:18px;background:rgba(255,255,255,.06);color:#fff;text-decoration:none;transition:border-color .2s ease,background .2s ease,transform .25s var(--ease-out)}
.footer__guardian:hover,.footer__guardian:focus-visible{border-color:rgba(217,169,61,.55);background:rgba(255,255,255,.1);transform:translateY(-2px)}
.footer a.footer__guardian,.footer a.footer__guardian:hover,.footer a.footer__guardian:focus-visible{color:#fff;text-decoration:none}
.footer__guardian span{display:flex;min-width:0;flex-direction:column;gap:.18rem}
.footer__guardian small{color:#AFC0CF;font-size:.68rem;letter-spacing:.08em;text-transform:uppercase}
.footer__guardian strong{color:#fff;font-size:.8rem;line-height:1.3;text-decoration:none}
.footer__guardian + .btn{margin-top:var(--s-4)}
.footer__contact li{display:flex;gap:var(--s-3);align-items:flex-start}
.footer__contact svg{flex:none;margin-top:4px;color:#6B7F96}
.footer__areas{margin-top:var(--s-10);padding-top:var(--s-8);border-top:1px solid rgba(255,255,255,.1)}
.footer__areas p{font-size:.8125rem;line-height:1.7;color:#7E8FA2;margin:0}
.footer__bottom{
  margin-top:var(--s-8);padding-top:var(--s-6);border-top:1px solid rgba(255,255,255,.1);
  display:flex;flex-wrap:wrap;gap:var(--s-3) var(--s-6);align-items:center;justify-content:space-between;
  font-size:.8125rem;color:#7E8FA2;
}
.footer__legal{max-width:78ch;font-size:.75rem;line-height:1.65;color:#78899B;margin-top:var(--s-5)}

/* ---------- 16. Sticky mobile action bar ---------- */
.action-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:var(--z-sticky);
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;
  background:var(--border);border-top:1px solid var(--border);
  padding-bottom:env(safe-area-inset-bottom);
  box-shadow:0 -4px 18px rgba(11,18,32,.08);
}
@media(min-width:1024px){.action-bar{display:none}}
.action-bar__btn{
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;
  min-height:60px;padding:var(--s-2);background:#fff;
  font-size:.6875rem;font-weight:600;color:var(--navy-900);text-decoration:none;
  touch-action:manipulation;letter-spacing:.01em;
}
.action-bar__btn svg{color:var(--navy-700)}
.action-bar__btn--primary{background:var(--color-action);color:var(--color-on-action)}
.action-bar__btn--primary svg{color:#fff}
.action-bar__btn--wa svg{color:#1F9D55}
body{padding-bottom:64px}
@media(min-width:1024px){body{padding-bottom:0}}

/* ---------- 17. Page header (interior) ---------- */
.page-hero{position:relative;background:var(--surface-dark-grad);color:#fff;overflow:hidden}
.page-hero:not(.page-hero--photo)::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(760px 440px at 86% 0%,rgba(184,138,43,.16),transparent 62%);
}
.page-hero__inner{position:relative;z-index:1;padding-block:var(--s-10) var(--s-12)}
.page-hero--photo .page-hero__inner{padding-block:var(--s-12) var(--s-16)}
@media(min-width:900px){
  .page-hero__inner{padding-block:var(--s-16) var(--s-20)}
  .page-hero--photo .page-hero__inner{min-height:26rem;display:flex;align-items:center}
}
.page-hero h1{color:#fff;margin-bottom:var(--s-4)}
.page-hero--photo h1{text-shadow:0 2px 18px rgba(6,22,44,.45)}
.page-hero--photo .lede{text-shadow:0 1px 12px rgba(6,22,44,.5)}
.page-hero .lede{color:#C3CFDD}

.crumbs{display:flex;flex-wrap:wrap;gap:var(--s-2);align-items:center;list-style:none;margin:0 0 var(--s-5);padding:0;font-size:.8125rem}
.crumbs li{margin:0;display:flex;align-items:center;gap:var(--s-2);color:#92A4B8}
.crumbs a{color:#BCC8D6;text-decoration:none}
.crumbs a:hover{color:#fff;text-decoration:underline}
.crumbs [aria-current=page]{color:#fff;font-weight:500}

/* ---------- 18. Misc ---------- */
.pill-row{display:flex;flex-wrap:wrap;gap:var(--s-2);margin-bottom:var(--s-6)}
.pill{
  display:inline-flex;align-items:center;gap:var(--s-2);
  padding:var(--s-2) var(--s-4);border-radius:var(--r-full);
  background:var(--navy-50);border:1px solid var(--navy-100);
  font-size:.8125rem;font-weight:600;color:var(--navy-800);
}
.pill--gold{background:var(--gold-100);border-color:var(--gold-200);color:var(--gold-700)}
.pill--green{background:var(--green-100);border-color:#B4EBD3;color:var(--green-700)}

.callout{
  display:flex;gap:var(--s-4);padding:var(--s-5);border-radius:var(--r-lg);
  background:var(--navy-50);border:1px solid var(--navy-100);
}
.callout svg{flex:none;margin-top:2px;color:var(--navy-700)}
.callout p{margin:0;font-size:.9375rem;line-height:1.6;color:var(--slate-700)}
.callout strong{color:var(--navy-900)}
.callout--gold{background:var(--gold-100);border-color:var(--gold-200)}
.callout--gold svg{color:var(--gold-700)}

.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--r-lg);-webkit-overflow-scrolling:touch}
.table-wrap table{min-width:560px;font-size:.9375rem}
.table-wrap th,.table-wrap td{padding:var(--s-4);text-align:left;border-bottom:1px solid var(--border);vertical-align:top}
.table-wrap th{background:var(--surface-alt);font-weight:600;color:var(--navy-900);font-size:.875rem;white-space:nowrap}
.table-wrap tr:last-child td{border-bottom:0}
.table-wrap td svg{color:var(--green-700)}

.logo-row{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:var(--s-4)}
.logo-chip{
  display:inline-flex;align-items:center;gap:var(--s-3);padding:var(--s-3) var(--s-5);
  border:1px solid var(--border);border-radius:var(--r-md);background:#fff;
  font-weight:600;color:var(--navy-800);font-size:.9375rem;
}
.logo-chip svg{color:var(--navy-700);flex:none}

.prose{max-width:70ch}
.prose h2{margin-top:var(--s-12)}
.prose h3{margin-top:var(--s-8)}
.prose>:first-child{margin-top:0}


/* Secondary route out of the short lead form, into the detailed quote */
.lead-form__alt{
  margin-top:var(--s-3);
  padding-top:var(--s-3);
  border-top:1px solid var(--border);
  font-size:.875rem;
  color:var(--slate-600);
}
.lead-form__alt a{font-weight:600}

/* ==========================================================================
   19. Motion — entrances, scroll reveals, micro-interactions
   Everything animates transform/opacity only, so nothing reflows.
   All of it is gated behind .js so the page is fully visible without script.
   ========================================================================== */

/* --- Scroll reveal --------------------------------------------------- */
.js [data-reveal]{
  opacity:0;
  transform:translateY(24px);
  transition:opacity .66s var(--ease-out), transform .66s var(--ease-out);
  transition-delay:var(--reveal-delay,0ms);
}
.js [data-reveal].is-in{opacity:1;transform:none}

/* Media reveals with a slight scale so photographs feel like they settle */
.js [data-reveal="media"]{transform:translateY(28px) scale(.965);transition-duration:.8s}
.js [data-reveal="media"].is-in{transform:none}

/* --- Hero entrance --------------------------------------------------- */
@keyframes heroRise{
  from{opacity:0;transform:translateY(26px)}
  to{opacity:1;transform:none}
}
@keyframes heroMedia{
  from{opacity:0;transform:translateY(34px) scale(.94)}
  to{opacity:1;transform:none}
}
.js .hero__pill,
.js .hero h1,
.js .hero__sub,
.js .hero .btn-row,
.js .hero__trust,
.js .hero__contact,
.js .page-hero .crumbs,
.js .page-hero h1,
.js .page-hero .lede,
.js .page-hero .btn-row,
.js .page-hero .pill-row{
  opacity:0;
  animation:heroRise .72s var(--ease-out) forwards;
}
.js .hero__pill,.js .page-hero .crumbs{animation-delay:.06s}
.js .hero h1,.js .page-hero h1{animation-delay:.14s}
.js .hero__sub,.js .page-hero .lede{animation-delay:.24s}
.js .hero .btn-row,.js .page-hero .btn-row,.js .page-hero .pill-row{animation-delay:.34s}
.js .hero__trust{animation-delay:.46s}
.js .hero__contact{animation-delay:.62s}

.js .hero__bg img{
  opacity:0;
  animation:heroMedia 1.1s var(--ease-out) .05s forwards;
}
/* --- Header condenses on scroll -------------------------------------- */
.header{transition:box-shadow var(--t-base) var(--ease-out),background var(--t-base) var(--ease-out)}
.header.is-scrolled{box-shadow:0 4px 22px rgba(11,18,32,.09);background:rgba(255,255,255,.97)}
.header__bar{transition:min-height var(--t-base) var(--ease-out)}
@media(min-width:1024px){
  .header.is-scrolled .header__bar{min-height:60px}
}

/* --- Buttons: sheen sweep on hover ----------------------------------- */
.btn{position:relative;overflow:hidden;isolation:isolate}
.btn::after{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:linear-gradient(105deg,transparent 32%,rgba(255,255,255,.28) 50%,transparent 68%);
  transform:translateX(-120%);
}
.btn:hover::after{transition:transform .62s var(--ease-out);transform:translateX(120%)}
.btn--ghost::after{background:linear-gradient(105deg,transparent 32%,rgba(8,38,75,.07) 50%,transparent 68%)}

/* --- Cards & tiles: lift the icon too -------------------------------- */
.card--link .icon-tile,.path .path__icon{transition:background var(--t-base) var(--ease-out),color var(--t-base) var(--ease-out),transform var(--t-base) var(--ease-out)}
.card--link:hover .icon-tile,.path:hover .path__icon{transform:translateY(-2px) scale(1.06)}

/* --- Section headings get a rule that draws itself ------------------- */
.eyebrow{position:relative;padding-left:0}
.eyebrow::after{
  content:"";display:inline-block;height:2px;width:0;margin-left:var(--s-1);
  background:currentColor;opacity:.45;border-radius:2px;
  transition:width .7s var(--ease-out) .2s;vertical-align:middle;
}
.js [data-reveal].is-in .eyebrow::after,
.js .eyebrow.is-in::after{width:26px}

/* --- Stat counters --------------------------------------------------- */
.stat__num{transition:transform .5s var(--ease-out)}
.stats:hover .stat:hover .stat__num{transform:scale(1.04)}

/* --- Step connectors draw across ------------------------------------- */
@media(min-width:768px){
  .js .steps [data-reveal] .step__num{transition:transform .5s var(--ease-out) .15s}
  .js .steps [data-reveal]:not(.is-in) .step__num{transform:scale(.8)}
}

/* --- FAQ answer opens more softly ------------------------------------ */
@keyframes faqOpen{
  from{opacity:0;transform:translateY(-6px)}
  to{opacity:1;transform:none}
}
.faq__a[data-open=true]{animation:faqOpen .28s var(--ease-out)}

/* --- Form steps slide rather than blink ------------------------------ */
@keyframes stepIn{
  from{opacity:0;transform:translateX(16px)}
  to{opacity:1;transform:none}
}
.fstep[data-active=true]{animation:stepIn .34s var(--ease-out)}
.stepper__bar{transition:background .45s var(--ease-out)}
.stepper__lab{transition:color .45s var(--ease-out)}

/* Success panel arrives with a little confidence */
@keyframes popIn{
  0%{opacity:0;transform:scale(.85)}
  60%{transform:scale(1.04)}
  100%{opacity:1;transform:none}
}
.form-success[data-show=true] .form-success__icon{animation:popIn .5s var(--ease-out)}
.form-success[data-show=true]{animation:heroRise .45s var(--ease-out)}

/* --- Sticky action bar slides up on first paint ---------------------- */
@keyframes barUp{from{transform:translateY(100%)}to{transform:none}}
.js .action-bar{animation:barUp .5s var(--ease-out) .3s backwards}

/* ---------- 20. Motion preferences ---------- */
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{
    animation-duration:.01ms!important;animation-iteration-count:1!important;
    animation-delay:0ms!important;
    transition-duration:.01ms!important;transition-delay:0ms!important;
    scroll-behavior:auto!important;
  }
  /* Nothing may be left hidden or displaced once motion is switched off */
  .js [data-reveal],
  .js [data-reveal="media"],
  .js .hero__pill,.js .hero h1,.js .hero__sub,.js .hero .btn-row,.js .hero__trust,
  .js .hero__contact,.js .hero__bg img,
  .js .page-hero .crumbs,.js .page-hero h1,.js .page-hero .lede,
  .js .page-hero .btn-row,.js .page-hero .pill-row{
    opacity:1!important;transform:none!important;animation:none!important;
  }
  .js .steps [data-reveal]:not(.is-in) .step__num{transform:none!important}
  .card--link:hover,.path:hover{transform:none}
  .card--link:hover .icon-tile,.path:hover .path__icon{transform:none}
  .btn:hover::after{display:none}
.eyebrow::after{width:26px}
}

/* ==========================================================================
   21. Premium editorial refresh
   A clean, cinematic layer shared by every generated page.
   ========================================================================== */
:root{
  --navy-950:#03111F;
  --navy-900:#071E35;
  --navy-800:#0B2D4C;
  --navy-700:#164E73;
  --navy-100:#D9E7EE;
  --navy-50:#EFF5F7;
  --surface-dark:#061C31;
  --surface-dark-grad:linear-gradient(145deg,#061827 0%,#0A2C49 58%,#123E5D 100%);
  --gold-800:#74520B;
  --gold-700:#946B18;
  --gold-600:#D9A93D;
  --gold-550:#E1B84F;
  --gold-300:#F0D58D;
  --gold-100:#FFF3D5;
  --surface-alt:#F2F6F5;
  --border:#DCE5E5;
  --border-strong:#C7D4D5;
  --color-on-action:#FFFFFF;
  --container:1320px;
  --header-h:88px;
  --r-xl:28px;
  --r-2xl:38px;
  --sh-3:0 20px 55px rgba(3,17,31,.12),0 4px 14px rgba(3,17,31,.06);
  --sh-4:0 32px 90px rgba(3,17,31,.16),0 8px 24px rgba(3,17,31,.08);
}

html{scroll-padding-top:108px}
body{
  font-family:"Geist","Segoe UI",sans-serif;
  line-height:1.58;
  background:
    radial-gradient(circle at 8% 18%,rgba(217,169,61,.08),transparent 24rem),
    radial-gradient(circle at 96% 42%,rgba(22,78,115,.07),transparent 30rem),
    #fff;
}
.site-main{overflow-x:hidden;width:100%;max-width:100%}
h1,h2,h3,h4,h5,h6{font-weight:700;letter-spacing:-.045em;line-height:1.04}
h1,.h1{font-size:clamp(2.7rem,7vw,6.6rem)}
h2,.h2{font-size:clamp(2.25rem,4.5vw,4.6rem)}
h3,.h3{font-size:clamp(1.25rem,1.5vw,1.65rem);letter-spacing:-.03em;line-height:1.16}
.lede{font-size:clamp(1.08rem,1.45vw,1.34rem);line-height:1.55}
.container{padding-inline:clamp(1.25rem,4vw,3.25rem)}
.section{position:relative;padding-block:clamp(5.5rem,11vw,10.5rem)}
.section--tight{padding-block:clamp(4.5rem,8vw,7.5rem)}
.section--alt{
  background:
    radial-gradient(circle at 92% 12%,rgba(217,169,61,.11),transparent 26rem),
    linear-gradient(180deg,#F6F9F8 0%,#EEF4F3 100%);
}
.section--navy{
  background:
    radial-gradient(circle at 85% 15%,rgba(217,169,61,.16),transparent 34rem),
    radial-gradient(circle at 10% 85%,rgba(48,119,151,.18),transparent 30rem),
    var(--surface-dark-grad);
}
.section-head{max-width:76ch;margin-bottom:clamp(2.75rem,5vw,5rem)}
.section-head h2{max-width:18ch}
.section-head--center h2{margin-inline:auto}
.section-head--center .lede{margin-inline:auto}
.eyebrow{font-size:.72rem;letter-spacing:.14em;color:var(--gold-800)}
.section--navy .eyebrow,.eyebrow--on-dark{color:var(--gold-300)}
.section--navy strong{color:#fff}
.grid,.paths,.steps{grid-auto-flow:dense}

/* Floating glass navigation */
.header{
  height:var(--header-h);padding:10px 12px 0;
  background:linear-gradient(180deg,rgba(3,17,31,.22),transparent);
  border:0;backdrop-filter:none;pointer-events:none;
}
.header__bar{
  pointer-events:auto;min-height:66px;padding-inline:18px!important;
  background:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.72);
  border-radius:999px;box-shadow:0 14px 45px rgba(3,17,31,.12);
  backdrop-filter:blur(20px) saturate(150%);
}
.header.is-scrolled{background:transparent;box-shadow:none}
.header.is-scrolled .header__bar{background:rgba(255,255,255,.96);box-shadow:0 18px 55px rgba(3,17,31,.15)}
.brand__name{font-weight:750;letter-spacing:-.035em}
.brand__tag{letter-spacing:.09em}
.nav__list{gap:0}
.nav__link{border-radius:999px;padding:.65rem .72rem;font-size:.86rem}
.nav__link:hover,.nav__link[aria-current=page]{background:var(--navy-900);color:#fff}
.header__cta{min-height:44px;padding:.65rem 1.15rem;font-size:.9rem}
.nav-toggle{border-radius:999px;border-color:var(--border);background:#fff}

/* Cinematic centered heroes */
.hero,.page-hero--photo{min-height:min(820px,calc(100svh - 16px));display:grid;align-items:center}
.page-hero--photo{min-height:clamp(520px,72svh,720px)}
.hero__bg img{filter:saturate(.94) contrast(1.04) brightness(1.08);transform:scale(1.01)}
/* Banner scrim.
   The copy sits full-width and centred over the photograph, so the overlay has
   to carry white text across the whole frame, not just one side. Every banner
   photo has near-white pixels behind the copy (sky, a white wall, a windscreen),
   and clearing 4.5:1 for the lede against those needs an effective alpha of
   about 0.70 — measured per page, worst pixel rather than average.
   Keep the vignette shape, but do not let the floor drop below that. */
.hero__bg::after,.page-hero--photo .hero__bg::after{
  background:
    radial-gradient(circle at 50% 44%,rgba(3,17,31,.66),rgba(3,17,31,.56) 82%),
    linear-gradient(180deg,rgba(3,17,31,.20),rgba(3,17,31,.36));
}
@media(max-width:899px){
  .hero__bg img{filter:saturate(.98) contrast(1.03) brightness(1.1)}
  .hero__bg::after,.page-hero--photo .hero__bg::after{
    background:linear-gradient(180deg,rgba(3,17,31,.38),rgba(3,17,31,.52));
  }
}
.hero__inner,.page-hero--photo .page-hero__inner{
  width:100%;min-height:inherit;padding-block:clamp(7rem,14vw,11rem);
  display:flex;align-items:center;justify-content:center;text-align:center;
}
.hero__copy,.page-hero .hero__copy{max-width:72rem;margin-inline:auto}
.hero h1,.page-hero h1{
  max-width:72rem;margin:0 auto 1.5rem;color:#fff;
  font-size:clamp(2.7rem,7vw,6.6rem);line-height:.94;letter-spacing:-.065em;
  text-wrap:balance;text-shadow:0 4px 34px rgba(0,0,0,.35);
}
.page-hero h1{font-size:clamp(2.65rem,6vw,5.8rem)}
.hero h1 em{color:var(--gold-300);white-space:normal}
.hero__sub,.page-hero .lede{max-width:62ch;margin:0 auto 2.3rem;color:#E3ECF1}
.hero .btn-row,.page-hero .btn-row,.page-hero .pill-row{justify-content:center}
.hero__pill{display:none}
.hero__trust{justify-content:center;margin-top:2rem}
.hero__trust li{color:#F1F5F6}
.hero__contact{right:clamp(1rem,4vw,4rem);bottom:clamp(1rem,3vw,2.5rem);border-radius:22px;border:1px solid rgba(255,255,255,.17);padding:1rem 1.2rem;background:rgba(3,17,31,.72)}
.page-hero:not(.page-hero--photo){min-height:clamp(400px,58svh,600px);display:grid;align-items:center;text-align:center}
.page-hero:not(.page-hero--photo) .page-hero__inner{padding-block:clamp(6.5rem,12vw,9rem)}
.page-hero:not(.page-hero--photo) h1{max-width:18ch!important;margin-inline:auto}
.page-hero:not(.page-hero--photo) .lede{margin-inline:auto}
.crumbs{justify-content:center;margin-bottom:1.4rem}

/* Crisp, restrained surfaces */
.card{
  position:relative;overflow:hidden;border:1px solid rgba(11,45,76,.1);
  border-radius:26px;padding:clamp(1.45rem,2.3vw,2.25rem);
  box-shadow:0 8px 28px rgba(3,17,31,.055);
}
.card::before{
  content:"";position:absolute;inset:0 0 auto;height:2px;
  background:linear-gradient(90deg,var(--gold-600),transparent 70%);opacity:.65;
}
.card--link:hover{transform:translateY(-8px);box-shadow:0 26px 65px rgba(3,17,31,.14);border-color:rgba(22,78,115,.28)}
.icon-tile{border-radius:16px;background:var(--navy-50)}
.media-figure{overflow:hidden;border-radius:var(--r-2xl);background:var(--navy-900)}
.media-figure img{
  border-radius:inherit;filter:saturate(.82) contrast(1.08);box-shadow:none;
  transition:transform .85s cubic-bezier(.16,.84,.44,1),filter .85s ease;
}
.media-figure:hover img{transform:scale(1.055);filter:saturate(1) contrast(1.04)}
.media-figure__tag{left:1rem;right:1rem;bottom:1rem;border-radius:18px;background:rgba(255,255,255,.88);backdrop-filter:blur(16px)}

/* Horizontal visual accordion: the six protection routes */
.paths{gap:.65rem}
.path{position:relative;isolation:isolate;overflow:hidden;justify-content:flex-end;align-items:flex-start;text-align:left;min-height:170px;border:0;color:#fff;background:var(--navy-800);box-shadow:none}
.path::before{content:"";position:absolute;inset:0;z-index:-2;background-image:var(--path-image);background-size:cover;background-position:center;transition:transform .8s var(--ease-out),filter .8s var(--ease-out)}
.path::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(3,17,31,.08),rgba(3,17,31,.88))}
.path:hover{color:#fff;border:0;box-shadow:var(--sh-3);transform:none}
.path:hover::before{transform:scale(1.08);filter:saturate(1.05)}
.path__icon{background:rgba(255,255,255,.16);color:#fff;backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.2)}
.path:hover .path__icon{background:var(--gold-600);color:var(--navy-900)}
@media(min-width:1100px){
  .paths{display:flex;height:390px}
  .path{flex:1;min-width:0;min-height:100%;padding:1.5rem;transition:flex .75s var(--ease-out),box-shadow .35s ease}
  .path:hover,.path:focus-visible{flex:1.8}
}

/* Inline editorial image, inserted decoratively into one key heading per page */
.type-image{
  display:none!important;width:clamp(64px,8vw,122px);height:.7em;margin-left:.18em;
  vertical-align:.04em;border-radius:999px;background-image:var(--type-image);
  background-position:center;background-size:cover;box-shadow:inset 0 0 0 2px rgba(255,255,255,.7),0 8px 22px rgba(3,17,31,.15);
}
.section--navy .type-image{box-shadow:inset 0 0 0 2px rgba(255,255,255,.24),0 8px 24px rgba(0,0,0,.25)}

/* Step cards become tactile panels; GSAP supplies the scroll-stack movement */
.steps{gap:1rem;align-items:stretch}
.step{height:100%;padding:clamp(1.5rem,2.5vw,2.4rem);border-radius:26px;background:#fff;border:1px solid var(--border);box-shadow:0 12px 36px rgba(3,17,31,.07)}
.section--navy .step{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.14);backdrop-filter:blur(10px)}
.step:not(:last-child)::after{display:none}
.step__num{background:var(--gold-600);color:var(--navy-900);box-shadow:none}

/* Forms, FAQ and callouts */
.form-card{border:1px solid rgba(11,45,76,.1);border-radius:32px;box-shadow:var(--sh-4)}
.input,.select,.textarea{border-radius:14px;background:#FBFCFC}
.input:focus,.select:focus,.textarea:focus{background:#fff}
.choice span{border-radius:16px;min-height:98px}
.faq{border-top:0}
.faq__item{border-bottom:1px solid var(--border);background:#fff;padding-inline:1.15rem}
.faq__item:first-child{border-radius:22px 22px 0 0}
.faq__item:last-child{border-radius:0 0 22px 22px;border-bottom:0}
.faq__q{min-height:76px}
.callout{border-radius:20px}
.table-wrap{border-radius:22px;background:#fff}

/* Larger action chapter */
.cta-band{border-radius:38px;background:var(--navy-950);box-shadow:0 32px 80px rgba(3,17,31,.2)}
.cta-band::before{background:radial-gradient(720px 420px at 84% 0%,rgba(217,169,61,.28),transparent 64%)}
.cta-band__inner{padding:clamp(3rem,7vw,7rem)}
.cta-band h2{max-width:16ch}
.cta-band [style*="text-align:center"] h2{margin-inline:auto}
.cta-band [style*="text-align:center"] p{margin-inline:auto}
.btn{min-height:54px;padding-inline:1.45rem;font-weight:650;box-shadow:0 10px 24px rgba(217,169,61,.16)}
.btn:hover{color:var(--navy-900);transform:translateY(-2px);box-shadow:0 16px 32px rgba(217,169,61,.24)}
.btn--on-navy:hover{color:#fff}
.footer .btn{color:#fff}
.btn--white:hover,.btn--ghost:hover{color:var(--navy-900)}
.action-bar__btn--primary,.action-bar__btn--primary svg{color:var(--navy-900)}

/* Infinite assurance rail */
.trust-rail{overflow:hidden;background:var(--gold-600);color:var(--navy-950);border-block:1px solid rgba(3,17,31,.12)}
.trust-rail__track{display:flex;align-items:center;width:max-content;gap:1.5rem;padding:.95rem 0;font-size:.76rem;font-weight:750;letter-spacing:.14em;text-transform:uppercase;animation:trustMarquee 24s linear infinite}
.trust-rail__track span{white-space:nowrap}
.trust-rail__track i{width:6px;height:6px;border-radius:50%;background:var(--navy-900)}
@keyframes trustMarquee{to{transform:translateX(-50%)}}

.footer{padding-top:clamp(5rem,9vw,8rem);background:var(--navy-950)}
.footer__grid{gap:clamp(2.5rem,5vw,5rem)}
.footer h3{letter-spacing:.14em}

/* Lead-generation redesign */
.nav__list{gap:.3rem}
.nav .nav__link{position:relative;background:transparent;color:var(--slate-700);padding:.65rem .8rem}
.nav .nav__link::after{content:"";position:absolute;left:.8rem;right:.8rem;bottom:.35rem;height:2px;border-radius:2px;background:var(--gold-600);transform:scaleX(0);transition:transform .22s var(--ease-out)}
.nav .nav__link:hover{background:rgba(217,169,61,.10);color:var(--navy-900)}
.nav .nav__link:hover::after{transform:scaleX(1)}
.nav .nav__link[aria-current=page]{background:var(--navy-900);color:#fff}
.nav .nav__link[aria-current=page]::after{display:none}
.nav .nav__link[aria-current=page]:hover{background:var(--navy-800);color:#fff}
.nav__item--dropdown{position:relative}
.nav__dropdown-toggle{display:flex;align-items:center;gap:.35rem;border:0;font:inherit;cursor:pointer}
.nav__dropdown-toggle svg{transition:transform .22s var(--ease-out)}
.nav__item--dropdown[data-open="true"] .nav__dropdown-toggle svg{transform:rotate(180deg)}
.nav__item--dropdown[data-current="true"] .nav__dropdown-toggle{background:var(--navy-900);color:#fff}
.nav__item--dropdown[data-current="true"] .nav__dropdown-toggle::after{display:none}
.nav__dropdown{position:absolute;top:calc(100% + 8px);left:50%;z-index:20;width:540px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-auto-flow:dense;gap:.45rem;margin:0;padding:.7rem;list-style:none;border:1px solid rgba(11,45,76,.12);border-radius:22px;background:rgba(255,255,255,.98);box-shadow:0 28px 70px rgba(3,17,31,.2);backdrop-filter:blur(18px);opacity:0;visibility:hidden;pointer-events:none;transform:translate(-50%,-8px);transition:opacity .2s ease,transform .25s var(--ease-out),visibility .2s}
.nav__dropdown::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.nav__item--dropdown[data-open="true"] .nav__dropdown{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
.nav__dropdown-link{display:block;min-height:72px;padding:.85rem 1rem;border:1px solid transparent;border-radius:15px;color:var(--navy-900);text-decoration:none;transition:background .18s ease,border-color .18s ease,transform .22s var(--ease-out)}
.nav__dropdown-link span{display:block;font-size:.94rem;font-weight:750;line-height:1.25}
.nav__dropdown-link small{display:block;margin-top:.28rem;color:var(--slate-600);font-size:.76rem}
.nav__dropdown-link:hover,.nav__dropdown-link:focus-visible{border-color:rgba(217,169,61,.48);background:var(--gold-50);transform:translateY(-2px)}
.nav__dropdown-link[aria-current="page"]{border-color:var(--navy-900);background:var(--navy-900);color:#fff}
.nav__dropdown-link[aria-current="page"] small{color:#D3E0E7}
.header__cta{white-space:nowrap}

.lead-hero{min-height:min(820px,100svh)}
.lead-hero .hero__bg::after{background:linear-gradient(90deg,rgba(3,17,31,.88) 0%,rgba(3,17,31,.72) 46%,rgba(3,17,31,.38) 100%)}
.lead-hero__inner{display:grid!important;grid-template-columns:minmax(0,1.15fr) minmax(330px,.72fr);gap:clamp(3rem,7vw,7rem);align-items:center;text-align:left!important}
.lead-hero .hero__copy{max-width:52rem;margin:0}
.lead-hero h1{max-width:15ch;margin:0 0 1.6rem;font-size:clamp(3.2rem,5.5vw,5.8rem);line-height:.96;text-align:left}
.lead-hero .hero__sub{max-width:58ch;margin:0 0 2rem;color:#F2F6F7;text-align:left}
.lead-hero .btn-row{justify-content:flex-start}
.lead-hero__note{margin:1.15rem 0 0;color:#D5E0E5;font-size:.9rem}
.lead-hero__steps{padding:clamp(1.5rem,3vw,2.5rem);border:1px solid rgba(255,255,255,.22);border-radius:30px;background:rgba(5,24,40,.58);backdrop-filter:blur(18px);box-shadow:0 28px 70px rgba(0,0,0,.24)}
.lead-hero__steps h2{margin:0 0 1.3rem;color:#fff;font-size:1rem;letter-spacing:.04em}
.lead-hero__steps ol{list-style:none;margin:0;padding:0}
.lead-hero__steps li{display:grid;grid-template-columns:46px 1fr;gap:1rem;padding:1.15rem 0;border-top:1px solid rgba(255,255,255,.14)}
.lead-hero__steps li:first-child{border-top:0}
.lead-hero__steps li>span{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;background:var(--gold-600);color:var(--navy-950);font-weight:800}
.lead-hero__steps strong{display:block;color:#fff;font-size:1rem;line-height:1.3}
.lead-hero__steps small{display:block;margin-top:.35rem;color:#CFDCE2;line-height:1.5}

.lead-journey{background:radial-gradient(circle at 8% 10%,rgba(217,169,61,.13),transparent 28rem),var(--surface-alt)}
.lead-journey .section-head{max-width:64rem}
.lead-form-shell{border-radius:34px;box-shadow:0 32px 85px rgba(3,17,31,.14)}
.lead-flow-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));grid-template-rows:auto auto;grid-auto-flow:dense;gap:1px;overflow:hidden;border:1px solid var(--border-strong);border-radius:34px;background:var(--border-strong)}
.lead-step{min-width:0;margin:0;padding:clamp(1.5rem,3vw,2.6rem);border:0;background:#fff}
.lead-step--intro{grid-column:1/5;grid-row:1/3;display:flex;flex-direction:column;justify-content:flex-start;gap:1.5rem;color:#fff;background:linear-gradient(155deg,var(--navy-950),var(--navy-800))}
.lead-step--choice{grid-column:5/13;grid-row:1}
.lead-step--details{grid-column:5/13;grid-row:2}
.lead-step__number{flex:none;width:44px;height:44px;display:grid;place-items:center;border-radius:50%;background:var(--gold-600);color:var(--navy-950);font-weight:800}
.lead-step--intro h3{margin:.5rem 0 1rem;color:#fff;font-size:clamp(2rem,3vw,3rem)}
.lead-step--intro p{color:#D3E0E7}
.lead-step__promise{margin-top:auto;padding:1.35rem;border-radius:20px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.13)}
.lead-step__promise strong{color:#fff}
.lead-step__promise p{margin:.45rem 0 0;font-size:.9rem}
.lead-choice-fieldset{min-width:0;margin:0;padding:0;border:0}
.lead-step--choice legend,.lead-step__heading{display:flex;align-items:center;gap:1rem;width:100%;margin:0 0 1.25rem;padding:0}
.lead-step--choice legend strong,.lead-step__heading h3{display:block;margin:0;color:var(--navy-950);font-size:1.35rem}
.lead-step--choice legend small,.lead-step__heading p{display:block;margin:.2rem 0 0;color:var(--slate-600);font-size:.88rem;font-weight:400}
.cover-choice-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.65rem}
.cover-choice{display:block;cursor:pointer}
.cover-choice input{position:absolute;opacity:0;pointer-events:none}
.cover-choice span{min-height:52px;display:flex;align-items:center;justify-content:center;padding:.65rem .8rem;border:1px solid var(--border-strong);border-radius:13px;background:#F8FAFA;color:var(--navy-900);font-size:.9rem;font-weight:700;text-align:center;transition:background .18s ease,border-color .18s ease,transform .18s ease,box-shadow .18s ease}
.cover-choice:hover span{border-color:var(--gold-600);transform:translateY(-2px)}
.cover-choice input:focus-visible+span{outline:3px solid rgba(201,155,61,.35);outline-offset:2px}
.cover-choice input:checked+span{border-color:var(--navy-900);background:var(--navy-900);color:#fff;box-shadow:0 8px 20px rgba(3,17,31,.16)}
.cover-choice--wide{grid-column:span 2}
.lead-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.lead-fields .field{margin:0}
.lead-submit-row{display:flex;align-items:center;gap:1.2rem;margin-top:1.2rem}
.lead-submit-row p{max-width:44ch;margin:0;color:var(--slate-600);font-size:.78rem}
.lead-form-success{padding:clamp(2rem,5vw,4rem);border-radius:34px;background:#fff}

.insurance-directory{background:#fff}
.insurance-directory__layout{display:grid;grid-template-columns:minmax(280px,.78fr) minmax(0,1.22fr);gap:clamp(3rem,7vw,7rem);align-items:start}
.insurance-directory__intro{position:sticky;top:128px}
.insurance-directory__intro h2{max-width:15ch}
.insurance-directory__intro p:not(.lede){max-width:58ch;margin-bottom:1.8rem;color:var(--slate-600)}
.insurance-directory__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-auto-flow:dense;gap:1px;overflow:hidden;margin:0;padding:1px;list-style:none;border:1px solid var(--border-strong);border-radius:30px;background:var(--border-strong)}
.insurance-directory__grid li{min-width:0;margin:0}
.insurance-directory__grid a{display:flex;min-height:190px;height:100%;flex-direction:column;justify-content:space-between;gap:2rem;padding:clamp(1.35rem,2.7vw,2rem);background:#fff;color:var(--navy-900);text-decoration:none;transition:background .22s ease,color .22s ease,transform .3s var(--ease-out)}
.insurance-directory__grid a:hover,.insurance-directory__grid a:focus-visible{position:relative;z-index:1;background:var(--navy-900);color:#fff;transform:translateY(-2px)}
.insurance-directory__grid strong{color:inherit;font-size:clamp(1.2rem,2vw,1.6rem);line-height:1.12;letter-spacing:-.025em}
.insurance-directory__grid span{color:var(--slate-600);font-size:.9rem;line-height:1.55}
.insurance-directory__grid a:hover span,.insurance-directory__grid a:focus-visible span{color:#D3E0E7}

.lead-guidance{overflow:hidden;background:radial-gradient(circle at 50% 0%,rgba(217,169,61,.18),transparent 34rem),var(--navy-950)}
.lead-guidance .section-head{max-width:66rem}
.conversation-track{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:clamp(2.5rem,5vw,4.5rem)}
.conversation-card{min-height:260px;display:flex;flex-direction:column;justify-content:space-between;padding:clamp(1.5rem,3vw,2.5rem);border:1px solid rgba(255,255,255,.14);border-radius:26px;background:rgba(255,255,255,.07);backdrop-filter:blur(12px)}
.conversation-card p{margin:0;color:#fff;font-size:clamp(1.35rem,2.1vw,2rem);line-height:1.22;letter-spacing:-.025em}
.conversation-card span{margin-top:2rem;color:var(--gold-300);font-weight:650}
.guidance-actions{display:flex;justify-content:center;gap:.8rem;margin-top:2rem}
.lead-faq-layout{display:grid;grid-template-columns:minmax(280px,.75fr) minmax(0,1.25fr);gap:clamp(3rem,8vw,8rem);align-items:start}
.lead-faq-layout>div:first-child{position:sticky;top:128px}
.lead-faq-layout .faq h3{margin:0}
#contact-form{scroll-margin-top:110px}

[data-scrub-copy] span{opacity:.18}

.critical-summary{display:flex;flex-direction:column;justify-content:center;gap:1px;overflow:hidden;border:1px solid var(--border-strong);border-radius:30px;background:var(--border-strong);box-shadow:var(--sh-3)}
.critical-summary p{margin:0;padding:1.5rem 1.7rem;background:#fff;color:var(--slate-700);font-size:1.05rem}
.critical-summary p:last-child{background:var(--navy-900);color:#fff}
.critical-summary p:last-child strong{color:#fff}
.critical-grid{grid-auto-flow:dense}

/* Desktop-only structure used by ScrollTrigger pinning */
@media(min-width:1024px){
  .motion-pin-section>.container{display:grid;grid-template-columns:minmax(280px,.72fr) minmax(0,1.28fr);gap:clamp(3rem,7vw,7rem);align-items:start}
  .motion-pin-section .section-head{grid-column:1;margin:0;text-align:left}
  .motion-pin-section .section-head h2,.motion-pin-section .section-head .lede{margin-inline:0}
  .motion-pin-section .grid{grid-column:2}
}

@media(max-width:1023px){
  :root{--header-h:76px}
  .header{padding:7px 8px 0}
  .header__bar{min-height:60px;padding-inline:12px!important}
  .header .brand__tag{display:block;font-size:.56rem;letter-spacing:.035em;white-space:nowrap}
  .drawer{top:var(--header-h);border-radius:28px 28px 0 0}
  .hero__contact{display:none}
  .lead-hero{min-height:auto}
  .lead-hero .hero__bg::after{background:linear-gradient(180deg,rgba(3,17,31,.72),rgba(3,17,31,.58))}
  .lead-hero__inner{grid-template-columns:1fr!important;gap:2rem;padding-block:8rem 5rem!important}
  .lead-hero .hero__copy{max-width:48rem;margin-inline:auto;text-align:center}
  .lead-hero h1,.lead-hero .hero__sub{margin-inline:auto;text-align:center}
  .lead-hero .btn-row{justify-content:center}
  .lead-hero__steps{max-width:48rem;width:100%;margin-inline:auto}
  .lead-flow-grid{display:block}
  .lead-step{border-bottom:1px solid var(--border-strong)}
  .lead-step:last-child{border-bottom:0}
  .lead-step--intro{min-height:420px}
  .lead-faq-layout{grid-template-columns:1fr;gap:2.5rem}
  .lead-faq-layout>div:first-child{position:static}
  .insurance-directory__layout{grid-template-columns:1fr;gap:2.5rem}
  .insurance-directory__intro{position:static}
  .insurance-directory__intro h2{max-width:18ch}
}

@media(max-width:767px){
  h1,.h1{font-size:clamp(2.25rem,11vw,3.35rem)}
  h2,.h2{font-size:clamp(2rem,9vw,3rem)}
  .section{padding-block:5.5rem}
  .section--tight{padding-block:4.5rem}
  .hero,.page-hero--photo{min-height:calc(100svh - 4px)}
  .page-hero--photo{min-height:620px}
  .hero__inner,.page-hero--photo .page-hero__inner{padding-block:7rem 5.5rem}
  .hero h1,.page-hero h1{font-size:clamp(2.35rem,11.5vw,3.4rem);line-height:.98;letter-spacing:-.06em}
  .hero__sub,.page-hero .lede{font-size:1.03rem}
  .hero__trust{gap:.75rem 1.1rem}
  .hero__trust li{font-size:.75rem}
  .path{min-height:155px;padding:1rem}
  .path__icon{width:42px;height:42px}
  .type-image{display:none}
  .card{border-radius:22px}
  .cta-band{border-radius:28px}
  .media-figure{border-radius:26px}
  .trust-rail__track{animation-duration:19s}
  .lead-hero__inner{padding-block:7.5rem 4.5rem!important}
  .lead-hero h1{max-width:17ch;font-size:clamp(2.25rem,9.6vw,3.45rem);line-height:.98}
  .lead-hero__steps{padding:1.2rem;border-radius:24px}
  .lead-hero__steps h2{margin-bottom:.75rem}
  .lead-hero__steps li{grid-template-columns:38px 1fr;gap:.8rem;padding:.8rem 0}
  .lead-hero__steps li>span{width:36px;height:36px}
  .lead-step--intro{min-height:auto}
  .cover-choice-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cover-choice--wide{grid-column:1/-1}
  .lead-fields{grid-template-columns:1fr}
  .lead-submit-row{align-items:stretch;flex-direction:column}
  .lead-submit-row .btn{width:100%}
  .conversation-track{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:.7rem;margin-inline:-1rem;padding-inline:1rem}
  .conversation-card{min-width:min(84vw,360px);scroll-snap-align:center}
  .guidance-actions{align-items:stretch;flex-direction:column}
  .guidance-actions .btn{width:100%}
  .insurance-directory__grid a{min-height:165px}
}

@media(max-width:479px){
  .brand__mark{width:38px;height:38px}
  .brand__name{font-size:.95rem}
  .header .brand{gap:.55rem}
  .header .brand__tag{font-size:.5rem;letter-spacing:.02em}
  .header__bar{gap:.55rem}
  .guardian-ribbon__inner{gap:.5rem;min-height:48px;padding-inline:12px}
  .guardian-ribbon__copy{font-size:.67rem;line-height:1.25;text-align:center}
  .nav-toggle{width:44px;height:44px}
  .hero h1{font-size:clamp(1.88rem,8.5vw,2.35rem);max-width:20ch}
  .page-hero h1{font-size:clamp(2.05rem,10vw,2.75rem)}
  .hero .btn-row,.page-hero .btn-row{gap:.7rem}
  .btn-row .btn{min-height:52px}
  .paths{grid-template-columns:1fr 1fr;gap:.6rem}
  .path{font-size:.84rem;min-height:148px}
  .insurance-directory__grid{grid-template-columns:1fr;border-radius:24px}
  .insurance-directory__grid a{min-height:0;gap:.7rem;padding:1.2rem}
  .footer__bottom{align-items:flex-start;flex-direction:column}
}

@media(prefers-reduced-motion:reduce){
  .trust-rail__track{animation:none}
  .media-figure img,.path::before{transition:none}
}

/* ---------- 22. Print ---------- */
@media print{
  .header,.action-bar,.drawer,.cta-band,.btn{display:none!important}
  body{padding-bottom:0;color:#000}
  .hero,.page-hero,.section--navy,.footer{background:#fff!important;color:#000!important}
  .hero h1,.page-hero h1{color:#000!important}
}