/* ==========================================================================
   Auto Policy Desk — Insurance Advisory & Consulting
   Design system & stylesheet
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Fonts (self-hosted, variable)
   -------------------------------------------------------------------------- */
@font-face {
  font-family: "Fraunces";
  src: url("../fonts/fraunces-latin.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
  font-named-instance: "Regular";
}
@font-face {
  font-family: "Inter";
  src: url("../fonts/inter-latin.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
}

/* --------------------------------------------------------------------------
   2. Tokens
   -------------------------------------------------------------------------- */
:root {
  --navy-950: #061424;
  --navy-900: #0a1c31;
  --navy-800: #0e2742;
  --navy-700: #14375a;
  --navy-600: #1d4a76;

  --teal-700: #0a766f;
  --teal-600: #0d8c82;
  --teal-500: #14a598;
  --teal-100: #e3f4f2;
  --teal-50: #f0f9f8;

  --gold-500: #c8a45e;
  --gold-300: #e2cd9c;

  --sand-50: #fbfaf7;
  --sand-100: #f4f1ea;
  --sand-200: #e9e4d9;

  --ink: #12233a;
  --body: #4c5d71;
  --muted: #6b7a8d;
  --line: #e2e7ee;
  --line-strong: #cfd8e3;
  --white: #ffffff;

  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(10, 28, 49, .06), 0 2px 8px rgba(10, 28, 49, .05);
  --shadow: 0 2px 4px rgba(10, 28, 49, .04), 0 12px 32px -8px rgba(10, 28, 49, .14);
  --shadow-lg: 0 4px 8px rgba(10, 28, 49, .05), 0 30px 60px -20px rgba(10, 28, 49, .28);
  --shadow-teal: 0 10px 28px -10px rgba(13, 140, 130, .55);

  --wrap: 1200px;
  --header-h: 76px;
  --ease: cubic-bezier(.22, .68, .24, 1);
  --ease-out: cubic-bezier(.16, 1, .3, 1);

  --font-display: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* --------------------------------------------------------------------------
   2b. Icon default
   -------------------------------------------------------------------------- */
.ico { width: 18px; height: 18px; flex: none; display: inline-block; vertical-align: middle; }

/* --------------------------------------------------------------------------
   3. Reset & base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 20px);
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.72;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
body.is-locked { overflow: hidden; }

img, svg, video { max-width: 100%; display: block; }
img { height: auto; }

a { color: var(--teal-700); text-decoration: none; transition: color .25s var(--ease); }
a:hover { color: var(--navy-800); }

::selection { background: var(--teal-500); color: #fff; }

:focus-visible {
  outline: 3px solid var(--teal-500);
  outline-offset: 3px;
  border-radius: 4px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.14;
  letter-spacing: -.015em;
  margin: 0 0 .6em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.35rem, 5vw, 3.9rem); line-height: 1.04; letter-spacing: -.03em; }
h2 { font-size: clamp(1.85rem, 3.4vw, 2.75rem); letter-spacing: -.025em; }
h3 { font-size: clamp(1.15rem, 1.7vw, 1.4rem); }
h4 { font-size: 1.06rem; }
p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }
strong { color: var(--ink); font-weight: 600; }
small { font-size: .875em; }

hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }

.skip-link {
  position: absolute; left: 16px; top: -100px; z-index: 200;
  background: var(--navy-900); color: #fff; padding: 12px 20px;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm); font-weight: 600;
  transition: top .2s var(--ease);
}
.skip-link:focus { top: 0; color: #fff; }

/* --------------------------------------------------------------------------
   4. Layout
   -------------------------------------------------------------------------- */
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 26px; }
.wrap--narrow { max-width: 880px; }
.wrap--wide { max-width: 1340px; }

.section { position: relative; padding: clamp(64px, 7.5vw, 118px) 0; }
.section--tight { padding: clamp(48px, 5.5vw, 80px) 0; }
.section--sand { background: var(--sand-50); }
.section--sand2 { background: var(--sand-100); }
.section--navy { background: var(--navy-900); color: rgba(233, 240, 247, .82); }
.section--navy h1, .section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.section--navy a:not(.btn) { color: var(--teal-100); }
.section--line { border-top: 1px solid var(--line); }

.grid { display: grid; gap: 26px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.grid--sidebar { grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: start; }

/* Section heading block */
.sec-head { max-width: 720px; margin-bottom: clamp(34px, 4vw, 56px); }
.sec-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.sec-head p { font-size: 1.075rem; color: var(--muted); margin-top: 14px; margin-bottom: 0; }
.sec-head--center p { margin-left: auto; margin-right: auto; max-width: 640px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-body);
  font-size: .735rem; font-weight: 600; letter-spacing: .17em;
  text-transform: uppercase; color: var(--teal-700);
  margin: 0 0 16px;
}
.eyebrow::before {
  content: ""; width: 26px; height: 1px; background: var(--gold-500);
  display: inline-block; flex: none;
}
.section--navy .eyebrow { color: var(--gold-300); }
.section--navy .eyebrow::before { background: var(--gold-500); }
.sec-head--center .eyebrow::after {
  content: ""; width: 26px; height: 1px; background: var(--gold-500);
}

/* --------------------------------------------------------------------------
   5. Buttons
   -------------------------------------------------------------------------- */
.btn {
  --btn-bg: var(--teal-600);
  position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-body); font-size: .94rem; font-weight: 600; letter-spacing: .005em;
  padding: 14px 26px; border-radius: var(--radius-pill);
  border: 1px solid transparent; cursor: pointer; text-align: center;
  background: var(--btn-bg); color: #fff;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), background-color .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease);
  box-shadow: var(--shadow-teal);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); color: #fff; background: var(--teal-700); box-shadow: 0 16px 34px -12px rgba(13, 140, 130, .6); }
.btn:active { transform: translateY(0); }
.btn svg { width: 17px; height: 17px; flex: none; }

.btn--dark { background: var(--navy-800); box-shadow: 0 12px 28px -12px rgba(14, 39, 66, .6); }
.btn--dark:hover { background: var(--navy-950); box-shadow: 0 16px 34px -12px rgba(14, 39, 66, .65); }

.btn--ghost {
  background: transparent; color: var(--navy-800);
  border-color: var(--line-strong); box-shadow: none;
}
.btn--ghost:hover { background: var(--navy-900); border-color: var(--navy-900); color: #fff; box-shadow: var(--shadow); }

.btn--light { background: rgba(255, 255, 255, .1); color: #fff; border-color: rgba(255, 255, 255, .28); box-shadow: none; backdrop-filter: blur(6px); }
.btn--light:hover { background: #fff; color: var(--navy-900); border-color: #fff; }

.btn--white { background: #fff; color: var(--navy-900); box-shadow: var(--shadow); }
.btn--white:hover { background: var(--sand-100); color: var(--navy-950); }

.btn--lg { padding: 17px 34px; font-size: 1rem; }
.btn--block { width: 100%; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-weight: 600; font-size: .94rem; color: var(--teal-700);
}
.link-arrow svg { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }
.section--navy .link-arrow { color: var(--gold-300); }

.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.btn-row--center { justify-content: center; }

/* --------------------------------------------------------------------------
   6. Top disclaimer bar
   -------------------------------------------------------------------------- */
.topbar {
  background: var(--navy-950);
  color: rgba(226, 236, 246, .78);
  font-size: .775rem;
  letter-spacing: .01em;
  border-bottom: 1px solid rgba(255, 255, 255, .07);
  position: relative;
  z-index: 60;
}
.topbar__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 18px; min-height: 40px; padding-top: 7px; padding-bottom: 7px;
}
.topbar__note { display: flex; align-items: center; gap: 9px; margin: 0; line-height: 1.4; }
.topbar__note svg { width: 14px; height: 14px; color: var(--gold-300); flex: none; }
.topbar__meta { display: flex; align-items: center; gap: 16px; flex: none; }
.topbar__meta a, .topbar__meta span {
  color: rgba(226, 236, 246, .9); font-weight: 500; display: inline-flex;
  align-items: center; gap: 7px; white-space: nowrap;
}
.topbar__meta a:hover { color: #fff; }
.topbar__meta svg { width: 13px; height: 13px; color: var(--teal-500); }
.topbar__sep { width: 1px; height: 14px; background: rgba(255, 255, 255, .16); }

/* --------------------------------------------------------------------------
   7. Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 80;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .35s var(--ease), background-color .35s var(--ease), border-color .35s var(--ease);
}
.site-header::after {
  content: ""; position: absolute; left: 0; bottom: -1px; height: 2px; width: 100%;
  background: linear-gradient(90deg, var(--teal-500), var(--gold-500) 60%, transparent);
  transform: scaleX(0); transform-origin: left; transition: transform .6s var(--ease-out);
}
.site-header.is-scrolled { box-shadow: 0 10px 30px -18px rgba(10, 28, 49, .45); background: rgba(255, 255, 255, .97); }
.site-header.is-scrolled::after { transform: scaleX(1); }

.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 22px; height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy-900); }
.brand:hover { color: var(--navy-900); }
.brand__mark {
  width: 42px; height: 42px; border-radius: 12px; flex: none;
  background: linear-gradient(150deg, var(--navy-800), var(--teal-700));
  display: grid; place-items: center;
  box-shadow: 0 6px 16px -8px rgba(10, 28, 49, .7), inset 0 1px 0 rgba(255, 255, 255, .22);
}
.brand__mark svg { width: 25px; height: 25px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.12; }
.brand__text strong {
  font-family: var(--font-display); font-size: 1.16rem; font-weight: 600;
  letter-spacing: -.02em; color: var(--navy-900);
}
.brand__text em {
  font-style: normal; font-size: .64rem; letter-spacing: .15em; text-transform: uppercase;
  color: var(--muted); font-weight: 500; margin-top: 3px;
}

/* Primary navigation -------------------------------------------------------- */
.nav { display: flex; align-items: center; gap: 26px; }

.nav__links { display: flex; align-items: center; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav__links > li { display: flex; }
.nav__links a {
  position: relative; font-size: .92rem; font-weight: 500; color: var(--ink);
  padding: 8px 0; letter-spacing: .005em; white-space: nowrap;
}
.nav__links a::after {
  content: ""; position: absolute; left: 0; bottom: 2px; height: 2px; width: 100%;
  background: var(--teal-600); transform: scaleX(0); transform-origin: left;
  transition: transform .35s var(--ease-out);
}
.nav__links a:hover::after, .nav__links a.is-active::after { transform: scaleX(1); }
.nav__links a.is-active { color: var(--teal-700); font-weight: 600; }

/* Right hand cluster: contact block, divider, quote button ------------------ */
.nav__side { display: flex; align-items: center; gap: 18px; flex: none; }

.nav__meta { display: flex; flex-direction: column; align-items: flex-end; text-align: right; gap: 2px; }
.nav__meta-primary {
  font-size: .88rem; font-weight: 600; color: var(--ink); letter-spacing: .005em;
  white-space: nowrap; line-height: 1.35;
}
.nav__meta-primary:hover { color: var(--teal-700); }
.nav__meta-secondary {
  font-size: .78rem; font-weight: 500; color: var(--muted);
  white-space: nowrap; line-height: 1.35;
}
.nav__meta-secondary:hover { color: var(--teal-700); }
.nav__meta span { font-size: .78rem; color: var(--muted); line-height: 1.35; white-space: nowrap; }

.nav__divider { width: 1px; height: 34px; background: var(--line); flex: none; }

.nav__quote { padding: 12px 22px; font-size: .875rem; }
.nav__note { display: none; }

/* On desktop the mobile panel wrapper is not a box at all, so the links and
   the right hand cluster lay out directly inside the header. */
.nav__panel { display: contents; }

.nav-toggle {
  display: none; width: 46px; height: 46px; border-radius: 12px;
  border: 1px solid var(--line-strong); background: #fff; cursor: pointer;
  padding: 0; place-items: center; flex: none;
}
.nav-toggle span {
  display: block; width: 19px; height: 2px; background: var(--navy-800); border-radius: 2px;
  transition: transform .3s var(--ease), opacity .2s var(--ease); margin: 2.4px auto;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(4.8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-4.8px) rotate(-45deg); }

/* scroll progress */
.progress { position: absolute; left: 0; bottom: -1px; height: 2px; width: 0; background: var(--teal-500); z-index: 2; transition: width .1s linear; }

/* --------------------------------------------------------------------------
   8. Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden; color: rgba(230, 238, 246, .84);
  background:
    radial-gradient(120% 120% at 88% 8%, rgba(20, 165, 152, .28) 0%, rgba(20, 165, 152, 0) 46%),
    radial-gradient(90% 110% at 4% 96%, rgba(29, 74, 118, .5) 0%, rgba(29, 74, 118, 0) 55%),
    linear-gradient(160deg, var(--navy-950) 0%, var(--navy-900) 52%, #0b2136 100%);
}
.hero__inner {
  display: grid; grid-template-columns: 1.04fr .96fr; gap: clamp(30px, 4.5vw, 68px);
  align-items: center; padding: clamp(52px, 6.5vw, 96px) 0 clamp(64px, 7vw, 108px);
  position: relative; z-index: 3;
}
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--gold-300); }
.hero__lead { font-size: clamp(1.03rem, 1.25vw, 1.16rem); line-height: 1.75; color: rgba(219, 231, 243, .8); max-width: 560px; margin-bottom: 30px; }
.hero .eyebrow { color: var(--gold-300); }
.hero__points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 30px 0 0; padding: 0; list-style: none; }
.hero__points li { display: flex; align-items: center; gap: 9px; font-size: .875rem; color: rgba(219, 231, 243, .78); }
.hero__points svg { width: 16px; height: 16px; color: var(--teal-500); flex: none; }

.hero__media { position: relative; }
.hero__frame {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: 0 40px 80px -34px rgba(0, 0, 0, .75), 0 0 0 1px rgba(255, 255, 255, .1);
  aspect-ratio: 4 / 3.05;
  background: var(--navy-800);
}
.hero__frame img { width: 100%; height: 100%; object-fit: cover; animation: kb 26s var(--ease) infinite alternate; }
@keyframes kb { from { transform: scale(1.02) translate3d(0, 0, 0); } to { transform: scale(1.11) translate3d(-1.4%, -1.4%, 0); } }
.hero__frame::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(200deg, rgba(6, 20, 36, .34) 0%, rgba(6, 20, 36, 0) 46%, rgba(6, 20, 36, .3) 100%);
}

.hero__card {
  position: absolute; left: -22px; bottom: 26px; width: min(300px, 82%);
  background: rgba(255, 255, 255, .96); border-radius: var(--radius);
  padding: 20px 22px; box-shadow: var(--shadow-lg);
  color: var(--ink); backdrop-filter: blur(8px);
}
.hero__card h4 {
  font-family: var(--font-body); font-size: .7rem; letter-spacing: .16em; text-transform: uppercase;
  color: var(--teal-700); margin: 0 0 12px; font-weight: 700;
}
.hero__card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.hero__card li { display: flex; align-items: center; gap: 10px; font-size: .845rem; color: var(--body); line-height: 1.4; }
.hero__card li svg { width: 15px; height: 15px; color: var(--teal-600); flex: none; }

.hero__badge {
  position: absolute; right: -14px; top: 24px;
  display: flex; align-items: center; gap: 10px;
  background: var(--navy-950); border: 1px solid rgba(255, 255, 255, .14);
  color: #fff; padding: 11px 16px; border-radius: var(--radius-pill);
  font-size: .78rem; font-weight: 500; box-shadow: var(--shadow-lg);
}
.hero__badge svg { width: 15px; height: 15px; color: var(--gold-300); }

.hero__scroll {
  position: absolute; left: 50%; bottom: 20px; transform: translateX(-50%);
  display: flex; align-items: center; gap: 9px; font-size: .7rem; letter-spacing: .18em;
  text-transform: uppercase; color: rgba(219, 231, 243, .45); z-index: 4;
}
.hero__scroll span { display: block; width: 1px; height: 26px; background: linear-gradient(180deg, rgba(255,255,255,.5), transparent); animation: drop 2.2s var(--ease) infinite; }
@keyframes drop { 0% { transform: scaleY(0); transform-origin: top; } 45% { transform: scaleY(1); transform-origin: top; } 60% { transform: scaleY(1); transform-origin: bottom; } 100% { transform: scaleY(0); transform-origin: bottom; } }

/* grain overlay for dark sections */
.grain { position: relative; }
.grain::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='.42'/%3E%3C/svg%3E");
}

/* --------------------------------------------------------------------------
   8b. Pricing disclosure band (above the fold on the home page)
   -------------------------------------------------------------------------- */
.price-band { background: #fff; border-bottom: 1px solid var(--line); position: relative; z-index: 2; }
.price-band__inner {
  display: flex; align-items: center; gap: 20px; padding: 22px 0;
  flex-wrap: wrap; justify-content: center;
}
.price-band__icon {
  width: 46px; height: 46px; border-radius: 13px; flex: none; display: grid; place-items: center;
  background: var(--teal-50); border: 1px solid rgba(13, 140, 130, .2); color: var(--teal-700);
}
.price-band__icon svg { width: 22px; height: 22px; }
.price-band p { margin: 0; font-size: 1.05rem; line-height: 1.68; color: var(--body); max-width: 700px; }
.price-band p strong { color: var(--ink); }
.price-band .link-arrow { flex: none; font-size: .92rem; }

@media (max-width: 860px) {
  .price-band__inner { justify-content: flex-start; gap: 16px; }
  .price-band .link-arrow { margin-left: 66px; }
}
@media (max-width: 560px) {
  .price-band .link-arrow { margin-left: 0; }
  .price-band p { font-size: 1rem; }
}

/* --------------------------------------------------------------------------
   9. Page hero (interior pages)
   -------------------------------------------------------------------------- */
.page-hero {
  position: relative; overflow: hidden; color: rgba(230, 238, 246, .82);
  background:
    radial-gradient(110% 130% at 84% 0%, rgba(20, 165, 152, .22) 0%, rgba(20, 165, 152, 0) 48%),
    linear-gradient(155deg, var(--navy-950), var(--navy-900) 60%, #0c2338);
  padding: clamp(52px, 6vw, 88px) 0 clamp(46px, 5vw, 72px);
}
.page-hero__inner { position: relative; z-index: 3; max-width: 760px; }
.page-hero h1 { color: #fff; font-size: clamp(2.1rem, 4.2vw, 3.25rem); margin-bottom: 16px; }
.page-hero p { color: rgba(219, 231, 243, .78); font-size: 1.06rem; max-width: 620px; margin: 0; }
.page-hero .eyebrow { color: var(--gold-300); }
.crumbs { display: flex; align-items: center; gap: 9px; font-size: .8rem; color: rgba(219, 231, 243, .55); margin-bottom: 18px; }
.crumbs a { color: rgba(219, 231, 243, .75); }
.crumbs a:hover { color: #fff; }
.crumbs svg { width: 12px; height: 12px; opacity: .6; }

/* --------------------------------------------------------------------------
   10. Marquee
   -------------------------------------------------------------------------- */
.marquee {
  background: var(--navy-800); color: rgba(230, 238, 246, .72);
  padding: 16px 0; overflow: hidden; position: relative;
  border-top: 1px solid rgba(255, 255, 255, .07);
  border-bottom: 1px solid rgba(255, 255, 255, .07);
}
.marquee::before, .marquee::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2; pointer-events: none;
}
.marquee::before { left: 0; background: linear-gradient(90deg, var(--navy-800), transparent); }
.marquee::after { right: 0; background: linear-gradient(270deg, var(--navy-800), transparent); }
.marquee__track { display: flex; width: max-content; animation: slide 38s linear infinite; }
.marquee ul { display: flex; align-items: center; list-style: none; margin: 0; padding: 0; }
.marquee li {
  display: flex; align-items: center; gap: 26px; padding: 0 26px;
  font-size: .8rem; letter-spacing: .13em; text-transform: uppercase; white-space: nowrap; font-weight: 500;
}
.marquee li::after { content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--teal-500); flex: none; }
@keyframes slide { from { transform: translateX(0); } to { transform: translateX(-25%); } }
.marquee:hover .marquee__track { animation-play-state: paused; }

/* --------------------------------------------------------------------------
   11. Cards
   -------------------------------------------------------------------------- */
.card {
  position: relative; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 30px 28px 32px;
  transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s var(--ease);
  height: 100%; overflow: hidden;
}
.card::after {
  content: ""; position: absolute; left: 28px; right: 28px; top: 0; height: 2px;
  background: linear-gradient(90deg, var(--teal-600), var(--gold-500));
  transform: scaleX(0); transform-origin: left; transition: transform .5s var(--ease-out);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--line-strong); }
.card:hover::after { transform: scaleX(1); }
.card h3 { margin-bottom: 10px; }
.card p { font-size: .945rem; color: var(--body); margin-bottom: 0; }
.card__icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(150deg, var(--teal-50), var(--teal-100));
  border: 1px solid rgba(13, 140, 130, .18); color: var(--teal-700);
  margin-bottom: 20px; transition: transform .45s var(--ease), background-color .45s var(--ease);
}
.card__icon svg { width: 24px; height: 24px; }
.card:hover .card__icon { transform: translateY(-2px) scale(1.04); }
.card__list { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 10px; }
.card__list li { display: flex; gap: 10px; font-size: .9rem; color: var(--body); line-height: 1.55; }
.card__list svg { width: 15px; height: 15px; color: var(--teal-600); flex: none; margin-top: 4px; }
.card--sand { background: var(--sand-50); }
a.card, a.card:hover { color: inherit; }
.card--navy { background: var(--navy-900); border-color: rgba(255, 255, 255, .1); color: rgba(230, 238, 246, .8); }
.card--navy h3 { color: #fff; }
.card--navy p { color: rgba(219, 231, 243, .76); }
.card--navy .card__icon { background: rgba(255, 255, 255, .07); border-color: rgba(255, 255, 255, .14); color: var(--gold-300); }
.card--navy:hover { border-color: rgba(255, 255, 255, .22); }

/* Steps */
.step { position: relative; padding-top: 8px; }
.step__num {
  font-family: var(--font-display); font-size: 2.9rem; line-height: 1; font-weight: 600;
  color: transparent; -webkit-text-stroke: 1.2px var(--line-strong); display: block; margin-bottom: 14px;
  transition: -webkit-text-stroke-color .4s var(--ease), color .4s var(--ease);
}
.step:hover .step__num { color: var(--teal-100); -webkit-text-stroke-color: var(--teal-600); }
.step h3 { margin-bottom: 8px; }
.step p { font-size: .93rem; }

/* Compare (we do / we don't) */
.compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: #fff; box-shadow: var(--shadow); }
.compare__col { padding: clamp(28px, 3.4vw, 46px); }
.compare__col + .compare__col { border-left: 1px solid var(--line); }
.compare__col--yes { background: linear-gradient(180deg, #fff, var(--teal-50)); }
.compare__col--no { background: linear-gradient(180deg, #fff, var(--sand-100)); }
.compare__head { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.compare__head span { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; flex: none; }
.compare__head svg { width: 18px; height: 18px; }
.compare__col--yes .compare__head span { background: var(--teal-600); color: #fff; }
.compare__col--no .compare__head span { background: var(--navy-800); color: #fff; }
.compare__head h3 { margin: 0; font-size: 1.18rem; }
.compare ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 13px; }
.compare li { display: flex; gap: 12px; font-size: .93rem; line-height: 1.6; color: var(--body); }
.compare li svg { width: 17px; height: 17px; flex: none; margin-top: 4px; }
.compare__col--yes li svg { color: var(--teal-600); }
.compare__col--no li svg { color: var(--muted); }

/* Notice / callout */
.notice {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--sand-50); border: 1px solid var(--sand-200);
  border-left: 3px solid var(--gold-500);
  border-radius: var(--radius-sm); padding: 18px 22px; font-size: .9rem; color: var(--body);
}
.notice svg { width: 19px; height: 19px; color: var(--gold-500); flex: none; margin-top: 3px; }
.notice strong { color: var(--ink); }
.notice--navy { background: rgba(255, 255, 255, .05); border-color: rgba(255, 255, 255, .12); border-left-color: var(--gold-500); color: rgba(219, 231, 243, .8); }
.notice--navy strong { color: #fff; }

/* --------------------------------------------------------------------------
   12. Image + text rows
   -------------------------------------------------------------------------- */
.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(30px, 4.5vw, 72px); align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media { position: relative; }
.split__frame {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg);
  aspect-ratio: 4 / 3.2; background: var(--sand-100);
}
.split__frame--wide { aspect-ratio: 3 / 2.1; }
.split__frame img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.1s var(--ease-out); }
.split__media:hover .split__frame img { transform: scale(1.05); }
.split__tag {
  position: absolute; left: -16px; bottom: -16px;
  background: var(--navy-900); color: #fff; border-radius: var(--radius-sm);
  padding: 15px 20px; font-size: .8rem; line-height: 1.45; box-shadow: var(--shadow-lg); max-width: 260px;
}
.split__tag strong { display: block; color: #fff; font-size: .92rem; margin-bottom: 2px; }
.split__body h2 { margin-bottom: 18px; }
.split__body > p { font-size: 1.02rem; }

.check-list { list-style: none; margin: 26px 0 30px; padding: 0; display: grid; gap: 14px; }
.check-list li { display: flex; gap: 13px; font-size: .95rem; color: var(--body); line-height: 1.6; }
.check-list svg { width: 19px; height: 19px; color: var(--teal-600); flex: none; margin-top: 3px; }
.section--navy .check-list li { color: rgba(219, 231, 243, .8); }
.section--navy .check-list svg { color: var(--teal-500); }

/* --------------------------------------------------------------------------
   13. Bands
   -------------------------------------------------------------------------- */
.band { position: relative; overflow: hidden; background: var(--navy-950); color: #fff; }
.band__bg { position: absolute; inset: 0; }
.band__bg img { width: 100%; height: 100%; object-fit: cover; opacity: .34; }
.band__bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg, rgba(6, 20, 36, .94) 0%, rgba(6, 20, 36, .78) 48%, rgba(6, 20, 36, .52) 100%);
}
.band__inner { position: relative; z-index: 3; padding: clamp(62px, 7vw, 104px) 0; }
.band h2 { color: #fff; max-width: 720px; }
.band p { color: rgba(219, 231, 243, .8); max-width: 620px; font-size: 1.04rem; }
.band__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }

.cta-band {
  background:
    radial-gradient(100% 140% at 100% 0%, rgba(20, 165, 152, .26) 0%, rgba(20, 165, 152, 0) 52%),
    linear-gradient(150deg, var(--navy-900), var(--navy-800));
  color: #fff; border-radius: var(--radius-lg); overflow: hidden;
  padding: clamp(36px, 4.4vw, 62px); position: relative;
  box-shadow: var(--shadow-lg);
}
.cta-band__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; position: relative; z-index: 3; }
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 2.9vw, 2.35rem); margin-bottom: 14px; }
.cta-band p { color: rgba(219, 231, 243, .8); margin: 0; max-width: 540px; }
.cta-band__side { display: grid; gap: 12px; }
.cta-band__row { display: flex; align-items: center; gap: 14px; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--radius-sm); padding: 14px 18px; }
.cta-band__row svg { width: 18px; height: 18px; color: var(--gold-300); flex: none; }
.cta-band__row span { font-size: .88rem; color: rgba(219, 231, 243, .86); line-height: 1.45; }
.cta-band__row a { color: #fff; font-weight: 600; }

/* --------------------------------------------------------------------------
   14. Accordion
   -------------------------------------------------------------------------- */
.acc { border-top: 1px solid var(--line); }
.acc__item { border-bottom: 1px solid var(--line); }
.acc__btn {
  width: 100%; background: none; border: 0; cursor: pointer; text-align: left;
  padding: 22px 52px 22px 0; position: relative; color: var(--ink);
  font-family: var(--font-display); font-size: clamp(1.02rem, 1.35vw, 1.16rem); font-weight: 600;
  line-height: 1.4; transition: color .3s var(--ease);
}
.acc__btn:hover { color: var(--teal-700); }
.acc__btn::after, .acc__btn::before {
  content: ""; position: absolute; right: 8px; top: 50%; width: 14px; height: 2px;
  background: var(--teal-600); border-radius: 2px; transition: transform .35s var(--ease);
}
.acc__btn::before { transform: rotate(90deg); }
.acc__item.is-open .acc__btn::before { transform: rotate(0deg); }
.acc__item.is-open .acc__btn { color: var(--teal-700); }
.acc__panel { overflow: hidden; height: 0; transition: height .4s var(--ease-out); }
.acc__panel > div { padding: 0 46px 24px 0; font-size: .95rem; color: var(--body); }
.acc__panel p:last-child { margin-bottom: 0; }
.section--navy .acc { border-top-color: rgba(255, 255, 255, .14); }
.section--navy .acc__item { border-bottom-color: rgba(255, 255, 255, .14); }
.section--navy .acc__btn { color: #fff; }
.section--navy .acc__panel > div { color: rgba(219, 231, 243, .78); }

/* --------------------------------------------------------------------------
   15. Forms
   -------------------------------------------------------------------------- */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(26px, 3.2vw, 44px); box-shadow: var(--shadow-lg);
}
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.field { display: flex; flex-direction: column; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: .84rem; font-weight: 600; color: var(--ink); letter-spacing: .01em; }
.field label .req { color: #c0392b; }
.field input, .field select, .field textarea {
  font-family: var(--font-body); font-size: .95rem; color: var(--ink);
  background: var(--sand-50); border: 1px solid var(--line-strong); border-radius: var(--radius-sm);
  padding: 13px 15px; width: 100%; transition: border-color .25s var(--ease), box-shadow .25s var(--ease), background-color .25s var(--ease);
  appearance: none;
}
.field textarea { min-height: 128px; resize: vertical; }
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234c5d71' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 16px; padding-right: 42px;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--teal-600); background: #fff;
  box-shadow: 0 0 0 4px rgba(20, 165, 152, .14);
}
.field .hint { font-size: .765rem; color: var(--muted); }
.field .error { font-size: .765rem; color: #c0392b; font-weight: 500; display: none; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: #d9705f; background: #fdf5f3; }
.field.has-error .error { display: block; }

.check { display: flex; gap: 12px; align-items: flex-start; font-size: .85rem; color: var(--body); line-height: 1.6; }
.check input { width: 19px; height: 19px; margin-top: 3px; flex: none; accent-color: var(--teal-600); }
.check a { text-decoration: underline; text-underline-offset: 2px; }

.form-foot { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; justify-content: space-between; margin-top: 6px; }
.form-note { font-size: .78rem; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.form-note svg { width: 14px; height: 14px; color: var(--teal-600); flex: none; }

.hp { position: absolute !important; left: -9999px !important; opacity: 0; height: 0; overflow: hidden; }

.form-alert { display: none; gap: 13px; align-items: flex-start; border-radius: var(--radius-sm); padding: 16px 18px; font-size: .9rem; margin-bottom: 22px; }
.form-alert.is-visible { display: flex; }
.form-alert--ok { background: var(--teal-50); border: 1px solid rgba(13, 140, 130, .3); color: var(--teal-700); }
.form-alert--err { background: #fdf3f1; border: 1px solid rgba(192, 57, 43, .25); color: #a63a2b; }
.form-alert svg { width: 19px; height: 19px; flex: none; margin-top: 2px; }
.form-alert p { margin: 0; }

.btn[aria-busy="true"] { opacity: .8; pointer-events: none; }
.spinner { width: 16px; height: 16px; border: 2px solid rgba(255, 255, 255, .4); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* Contact info tiles */
.info-tile { display: flex; gap: 16px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.info-tile:last-child { border-bottom: 0; }
.info-tile__icon {
  width: 46px; height: 46px; border-radius: 13px; flex: none; display: grid; place-items: center;
  background: var(--teal-50); border: 1px solid rgba(13, 140, 130, .18); color: var(--teal-700);
}
.info-tile__icon svg { width: 21px; height: 21px; }
.info-tile h4 { margin: 0 0 4px; font-size: .82rem; text-transform: uppercase; letter-spacing: .13em; color: var(--muted); font-family: var(--font-body); font-weight: 600; }
.info-tile p, .info-tile a { margin: 0; font-size: .98rem; color: var(--ink); font-weight: 500; }
.info-tile a:hover { color: var(--teal-700); }
.info-tile small { color: var(--body); font-weight: 400; display: block; margin-top: 3px; font-size: .82rem; }

/* --------------------------------------------------------------------------
   16. Footer
   -------------------------------------------------------------------------- */
.site-footer { background: var(--navy-950); color: rgba(200, 214, 228, .68); position: relative; overflow: hidden; }
.site-footer::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(20, 165, 152, .5), rgba(200, 164, 94, .4), transparent);
}
.footer__top { padding: clamp(48px, 5.4vw, 74px) 0 42px; display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.25fr; gap: 40px; }
.footer__brand .brand__text strong { color: #fff; }
.footer__brand .brand__text em { color: rgba(200, 214, 228, .55); }
.footer__brand p { font-size: .88rem; margin: 20px 0 0; max-width: 330px; line-height: 1.7; }
.footer h4 { color: #fff; font-family: var(--font-body); font-size: .78rem; letter-spacing: .15em; text-transform: uppercase; margin: 0 0 18px; font-weight: 600; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 11px; }
.footer a { color: rgba(200, 214, 228, .72); font-size: .9rem; }
.footer a:hover { color: #fff; }
.footer__contact li { display: flex; gap: 11px; align-items: flex-start; font-size: .9rem; }
.footer__contact svg { width: 16px; height: 16px; color: var(--teal-500); flex: none; margin-top: 4px; }
.footer__contact a { color: rgba(232, 240, 248, .85); font-weight: 500; }

.footer__disclaimer {
  border-top: 1px solid rgba(255, 255, 255, .09);
  border-bottom: 1px solid rgba(255, 255, 255, .09);
  padding: 24px 0; font-size: .82rem; line-height: 1.75; color: rgba(190, 205, 220, .6);
}
.footer__disclaimer strong { color: rgba(232, 240, 248, .92); }
.footer__bottom { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; justify-content: space-between; padding: 24px 0 30px; font-size: .82rem; }
.footer__legal { display: flex; flex-wrap: wrap; gap: 20px; }
.footer__legal a { font-size: .82rem; }

/* --------------------------------------------------------------------------
   17. Mobile sticky call bar
   -------------------------------------------------------------------------- */
.callbar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 95;
  display: none; align-items: center; justify-content: center; gap: 14px;
  background: linear-gradient(96deg, var(--teal-700), var(--teal-600) 45%, var(--navy-800));
  color: #fff; padding: 13px 20px calc(13px + env(safe-area-inset-bottom, 0px));
  box-shadow: 0 -10px 34px -12px rgba(6, 20, 36, .65);
  transform: translateY(110%); transition: transform .5s var(--ease-out);
  text-align: center;
}
.callbar.is-in { transform: translateY(0); }
.callbar:hover { color: #fff; }
.callbar__icon { position: relative; width: 40px; height: 40px; border-radius: 50%; background: rgba(255, 255, 255, .17); display: grid; place-items: center; flex: none; }
.callbar__icon svg { width: 19px; height: 19px; }
.callbar__icon::after {
  content: ""; position: absolute; inset: -4px; border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, .45); animation: ping 2.1s var(--ease) infinite;
}
@keyframes ping { 0% { transform: scale(.85); opacity: .9; } 70%, 100% { transform: scale(1.35); opacity: 0; } }
.callbar__text { display: flex; flex-direction: column; line-height: 1.22; text-align: left; }
.callbar__text small { font-size: .68rem; letter-spacing: .14em; text-transform: uppercase; opacity: .82; font-weight: 500; }
.callbar__text strong { font-size: 1.14rem; font-weight: 700; letter-spacing: .01em; }
.callbar__cta { font-size: .74rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; padding: 9px 15px; border-radius: var(--radius-pill); background: rgba(255, 255, 255, .16); border: 1px solid rgba(255, 255, 255, .3); }

/* back to top */
.to-top {
  position: fixed; right: 20px; bottom: 22px; z-index: 90;
  width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--line-strong);
  background: #fff; color: var(--navy-800); display: grid; place-items: center; cursor: pointer;
  box-shadow: var(--shadow); opacity: 0; pointer-events: none; transform: translateY(12px);
  transition: opacity .35s var(--ease), transform .35s var(--ease), background-color .3s var(--ease), color .3s var(--ease);
}
.to-top.is-visible { opacity: 1; pointer-events: auto; transform: translateY(0); }
.to-top:hover { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }
.to-top svg { width: 19px; height: 19px; }

/* --------------------------------------------------------------------------
   18. Prose (legal + article pages)
   -------------------------------------------------------------------------- */
.prose { font-size: 1rem; color: var(--body); }
.prose h2 { font-size: clamp(1.35rem, 2.2vw, 1.75rem); margin: 2.6em 0 .7em; padding-top: .2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 1.9em 0 .5em; font-size: 1.1rem; }
.prose ul, .prose ol { padding-left: 1.25em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .55em; }
.prose a { text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(13, 140, 130, .4); }
.prose table { width: 100%; border-collapse: collapse; margin: 0 0 1.6em; font-size: .9rem; }
.prose th, .prose td { text-align: left; padding: 13px 15px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { background: var(--sand-50); font-weight: 600; color: var(--ink); font-family: var(--font-body); }
.prose blockquote {
  margin: 1.6em 0; padding: 18px 24px; background: var(--sand-50);
  border-left: 3px solid var(--teal-600); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: .95rem; color: var(--body);
}
.legal-meta { display: flex; flex-wrap: wrap; gap: 10px 26px; padding: 16px 0 0; font-size: .84rem; color: var(--muted); border-top: 1px solid var(--line); }
.legal-meta span { display: flex; align-items: center; gap: 8px; }
.legal-meta svg { width: 15px; height: 15px; color: var(--teal-600); }

.toc {
  background: var(--sand-50); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px 26px; margin-bottom: 40px;
}
.toc h4 { font-family: var(--font-body); font-size: .78rem; letter-spacing: .15em; text-transform: uppercase; color: var(--muted); margin: 0 0 14px; }
.toc ol { margin: 0; padding-left: 1.2em; font-size: .9rem; }
.toc li { margin-bottom: .4em; }

/* --------------------------------------------------------------------------
   19. Animations / reveal
   -------------------------------------------------------------------------- */
/* Horizontal reveal offsets would push content past the viewport on narrow
   screens, so below 980px every reveal animates on the vertical axis only. */
:root:not(.js) [data-reveal] { opacity: 1 !important; transform: none !important; }

[data-reveal] { opacity: 0; transform: translateY(22px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); }
[data-reveal].is-visible { opacity: 1; transform: none; }
[data-reveal="fade"] { transform: none; }
[data-reveal="left"] { transform: translateX(-26px); }
[data-reveal="right"] { transform: translateX(26px); }
[data-reveal="scale"] { transform: scale(.97); }

.hero__copy > * { opacity: 0; animation: up .9s var(--ease-out) forwards; }
.hero__copy > *:nth-child(1) { animation-delay: .05s; }
.hero__copy > *:nth-child(2) { animation-delay: .16s; }
.hero__copy > *:nth-child(3) { animation-delay: .27s; }
.hero__copy > *:nth-child(4) { animation-delay: .38s; }
.hero__copy > *:nth-child(5) { animation-delay: .49s; }
@keyframes up { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }

@media (max-width: 980px) {
  [data-reveal="left"], [data-reveal="right"] { transform: translateY(22px); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  [data-reveal], .hero__copy > * { opacity: 1 !important; transform: none !important; }
  .marquee__track { animation: none; }
  .hero__frame img { animation: none; }
}

/* --------------------------------------------------------------------------
   20. Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1200px) {
  .nav { gap: 20px; }
  .nav__links { gap: 20px; }
  .nav__side { gap: 14px; }
}

@media (max-width: 1080px) {
  .nav__meta { display: none; }
  .nav__divider { display: none; }
  .footer__top { grid-template-columns: 1.4fr 1fr 1.2fr; }
  .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid--sidebar { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 980px) {
  :root { --header-h: 68px; }
  .topbar__meta { display: none; }
  .topbar__note { font-size: .72rem; }
  .topbar__inner { justify-content: center; text-align: center; }

  .nav-toggle { display: grid; }

  /* A backdrop-filter on the header would make it the containing block for the
     fixed menu below, trapping it inside the header. On small screens the header
     is opaque instead, so the menu is positioned against the viewport. */
  .site-header,
  .site-header.is-scrolled {
    background: #fff;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  /* The wrapper covers the viewport and clips the panel, so the closed menu
     never adds width to the page. Clicks pass through to the scrim. */
  .nav {
    position: fixed; inset: 0; z-index: 85; display: block;
    overflow: hidden; pointer-events: none;
  }
  .nav__panel {
    position: absolute; top: 0; right: 0; bottom: 0; width: min(380px, 88vw);
    display: flex; flex-direction: column; align-items: stretch;
    background: #fff; padding: 96px 26px 40px; pointer-events: auto;
    box-shadow: -24px 0 60px -30px rgba(6, 20, 36, .5);
    overflow-y: auto; overscroll-behavior: contain;
    visibility: hidden;
    transform: translateX(103%);
    transition: transform .45s var(--ease-out), visibility 0s linear .45s;
  }
  .nav.is-open .nav__panel {
    visibility: visible; transform: none;
    transition: transform .45s var(--ease-out), visibility 0s linear 0s;
  }
  .nav__links { flex-direction: column; align-items: stretch; gap: 0; }
  .nav__links > li { border-bottom: 1px solid var(--line); }
  .nav__links a { display: block; padding: 17px 2px; font-size: 1.06rem; font-family: var(--font-display); font-weight: 600; }
  .nav__links a::after { display: none; }
  .nav__links a.is-active { color: var(--teal-700); }

  .nav__side { flex-direction: column; align-items: stretch; gap: 12px; margin-top: 26px; }
  .nav__quote { order: 1; padding: 15px 22px; font-size: .95rem; }
  .nav__meta { display: flex; order: 2; align-items: stretch; text-align: center; gap: 10px; margin-top: 4px; }
  .nav__meta-primary,
  .nav__meta-secondary {
    display: flex; align-items: center; justify-content: center; text-align: center;
    font-size: .95rem; font-weight: 600; color: var(--ink); white-space: normal;
    padding: 14px 18px; border: 1px solid var(--line-strong); border-radius: var(--radius-pill);
    background: var(--sand-50);
    transition: background-color .25s var(--ease), border-color .25s var(--ease), color .25s var(--ease);
  }
  .nav__meta-primary:hover,
  .nav__meta-secondary:hover { background: #fff; border-color: var(--teal-600); color: var(--teal-700); }
  .nav__meta span { white-space: normal; text-align: center; justify-content: center; }
  .nav__divider { display: none; }
  .nav__note {
    display: block; margin: 22px 0 0; font-size: .84rem; line-height: 1.65;
    color: var(--muted); text-align: center;
  }
  /* Sits below the header, so the header and the open menu panel stay above
     the dimmed page instead of being covered by the scrim. */
  .nav-scrim {
    position: fixed; inset: 0; background: rgba(6, 20, 36, .5); z-index: 70;
    opacity: 0; pointer-events: none; transition: opacity .4s var(--ease); backdrop-filter: blur(2px);
  }
  .nav-scrim.is-open { opacity: 1; pointer-events: auto; }
}

@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; padding-top: 42px; }
  .hero__media { order: -1; max-width: 620px; }
  .hero__frame { aspect-ratio: 16 / 11; }
  .hero__card { position: static; width: 100%; margin-top: 18px; box-shadow: var(--shadow); }
  .hero__badge { right: 12px; top: 12px; }
  .hero__scroll { display: none; }
  .split, .grid--2, .grid--3, .compare, .cta-band__grid, .band__grid { grid-template-columns: 1fr; }
  .split--reverse .split__media { order: 0; }
  .compare__col + .compare__col { border-left: 0; border-top: 1px solid var(--line); }
  .split__tag { left: 14px; bottom: -14px; }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .wrap { padding: 0 20px; }
  .grid--4, .grid--2 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr; gap: 34px; padding-bottom: 34px; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
  .callbar { display: flex; }
  body { padding-bottom: 88px; }
  .to-top { bottom: 92px; right: 16px; }
  .card { padding: 26px 22px 28px; }
  .form-card { padding: 24px 20px 28px; border-radius: var(--radius); }
  .brand__text em { display: none; }
  .brand__mark { width: 38px; height: 38px; border-radius: 11px; }
  .hero__badge { font-size: .72rem; padding: 9px 13px; }
}

@media (max-width: 420px) {
  h1 { font-size: 2.05rem; }
  .btn { width: 100%; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .callbar__cta { display: none; }
  .callbar { justify-content: flex-start; }
}

/* --------------------------------------------------------------------------
   21. Print
   -------------------------------------------------------------------------- */
@media print {
  .site-header, .topbar, .callbar, .to-top, .hero__scroll, .marquee { display: none !important; }
  body { color: #000; }
  .section { padding: 20px 0; }
}