/* ==========================================================================
   KP Insurance Solutions — site stylesheet
   Layout: left-aligned editorial grid (max 1200px). Deep navy bands open and
   close each page; white and cool-paper reading sections sit between them.
   Signature motif: the double arc from the KP logo ("the circle of protection"),
   drawn around Keith's portrait, behind page heroes and in confirmations.
   Single light theme by design (brand colours are fixed).
   ========================================================================== */

:root {
  /* Colour */
  --navy-950: #0A1830;   /* hero, footer */
  --navy-900: #0F2342;   /* page heroes, CTA band */
  --navy-700: #1F3D6E;
  --blue: #325BA5;       /* logo blue */
  --blue-600: #284C8E;
  --blue-200: #B9CCEE;
  --blue-50: #EEF3FB;
  --steel: #838385;      /* logo grey */
  --sun: #F2B544;        /* primary call to action only */
  --sun-600: #E09F25;
  --paper: #F4F6FA;
  --white: #FFFFFF;
  --ink: #13203A;
  --muted: #56637B;
  --line: #DCE3EE;
  --ok: #1E8E5A;
  --error: #B42318;

  /* Type */
  --font-display: "Fraunces", "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --font-body: "Manrope", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --fs-sm: 0.875rem;
  --fs-base: 1.0625rem;
  --fs-lg: 1.1875rem;
  --fs-h4: 1.25rem;
  --fs-h3: 1.5625rem;
  --fs-h2: clamp(2rem, 1.5rem + 2vw, 3rem);
  --fs-h1: clamp(2.5rem, 1.7rem + 3.4vw, 4.25rem);
  --fs-display: clamp(3.25rem, 1.6rem + 6.6vw, 7.25rem);

  /* Shape & motion */
  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
  --shadow: 0 1px 2px rgba(15, 35, 66, .06), 0 18px 40px -18px rgba(15, 35, 66, .28);
  --shadow-lift: 0 2px 4px rgba(15, 35, 66, .06), 0 28px 60px -22px rgba(15, 35, 66, .38);
  --ease: cubic-bezier(.16, 1, .3, 1);
  --container: 1200px;
  --gutter: max(20px, env(safe-area-inset-left, 0px));
  --gutter-r: max(20px, env(safe-area-inset-right, 0px));
  --header-h: 76px;

  color-scheme: light;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 24px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}
body.menu-open { overflow: hidden; }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 55; background: var(--navy-950); pointer-events: none; }
[hidden] { display: none !important; }
img, video, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--blue-600); }
p { margin: 0; }
h1, h2, h3, h4 {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -0.015em;
  color: var(--navy-900);
  text-wrap: balance;
  font-optical-sizing: auto;
}
h1 { font-size: var(--fs-h1); }
h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); line-height: 1.2; }
h4 { font-size: var(--fs-h4); line-height: 1.3; }
ul, ol { margin: 0; padding: 0; }
button { font: inherit; color: inherit; }
::selection { background: var(--blue-200); color: var(--navy-950); }
:focus-visible { outline: 3px solid var(--sun); outline-offset: 3px; border-radius: 4px; }
.sr-only { 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: 16px; top: -60px; z-index: 200; background: var(--sun); color: var(--navy-950); padding: 10px 16px; border-radius: 8px; font-weight: 700; text-decoration: none; transition: top .2s; }
.skip-link:focus { top: 12px; }

.wrap { width: 100%; max-width: calc(var(--container) + 48px); margin-inline: auto; padding-left: var(--gutter); padding-right: var(--gutter-r); }
.wrap--narrow { max-width: 860px; }

.i { width: 1.2em; height: 1.2em; flex: none; fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--navy-900); --btn-fg: var(--white); --btn-bd: transparent;
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  min-height: 50px; padding: .8em 1.45em;
  border: 1.5px solid var(--btn-bd); border-radius: 999px;
  background: var(--btn-bg); color: var(--btn-fg);
  font-weight: 700; font-size: 1rem; line-height: 1.1; letter-spacing: .005em;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .35s var(--ease), background-color .25s, color .25s, border-color .25s, box-shadow .35s var(--ease);
}
.btn:hover { color: var(--btn-fg); transform: translateY(-2px); box-shadow: 0 12px 26px -12px rgba(10, 24, 48, .55); }
.btn:active { transform: translateY(0); }
.btn .i { width: 1.15em; height: 1.15em; }
.btn--sun { --btn-bg: var(--sun); --btn-fg: var(--navy-950); }
.btn--sun:hover { --btn-bg: #F6C460; }
.btn--ghost { --btn-bg: transparent; --btn-fg: var(--white); --btn-bd: rgba(255, 255, 255, .42); }
.btn--ghost:hover { --btn-bg: rgba(255, 255, 255, .1); --btn-bd: rgba(255, 255, 255, .8); }
.btn--line { --btn-bg: transparent; --btn-fg: var(--navy-900); --btn-bd: var(--line); }
.btn--line:hover { --btn-bd: var(--navy-900); }
.btn--sm { min-height: 42px; padding: .6em 1.1em; font-size: .9375rem; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }

.text-link { display: inline-flex; align-items: center; gap: .4em; font-weight: 700; color: var(--blue); text-decoration: none; }
.text-link .i { transition: transform .3s var(--ease); }
.text-link:hover .i { transform: translateX(4px); }
.text-link:hover { text-decoration: underline; }
button.text-link { background: none; border: 0; padding: 0; cursor: pointer; font: inherit; font-weight: 700; }

.toast { position: fixed; left: 50%; bottom: calc(28px + env(safe-area-inset-bottom, 0px)); z-index: 90; translate: -50% 0; max-width: min(92vw, 460px); padding: 14px 18px; border-radius: 14px; background: var(--navy-950); color: var(--white); font-weight: 600; font-size: .9375rem; box-shadow: var(--shadow-lift); opacity: 0; transform: translateY(12px); transition: opacity .3s, transform .4s var(--ease); pointer-events: none; }
.toast.is-shown { opacity: 1; transform: none; }

/* ---------- Top bar ---------- */
.topbar { background: var(--navy-950); color: rgba(255, 255, 255, .82); font-size: var(--fs-sm); }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 40px; }
.topbar a { color: inherit; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; }
.topbar a:hover { color: var(--white); }
.topbar__links { display: flex; gap: 24px; }
.topbar .i { width: 15px; height: 15px; color: var(--blue-200); }

.status { display: inline-flex; align-items: center; gap: 9px; font-weight: 600; }
.status__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--steel); position: relative; flex: none; }
.status[data-open="true"] .status__dot { background: #3DDC97; }
.status[data-open="true"] .status__dot::after { content: ""; position: absolute; inset: -4px; border-radius: 50%; border: 2px solid #3DDC97; opacity: 0; animation: ping 2.4s var(--ease) infinite; }
@keyframes ping { 0% { transform: scale(.6); opacity: .9; } 80%, 100% { transform: scale(1.6); opacity: 0; } }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255, 255, 255, .88);
  -webkit-backdrop-filter: saturate(160%) blur(14px); backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s, box-shadow .3s;
  view-transition-name: site-header;
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 10px 30px -22px rgba(10, 24, 48, .45); }
.site-header__inner { display: flex; align-items: center; gap: 28px; min-height: var(--header-h); transition: min-height .35s var(--ease); }
.site-header.is-scrolled .site-header__inner { min-height: 64px; }
.brand { display: block; flex: none; }
.brand img { height: 46px; width: auto; transition: height .35s var(--ease); }
.site-header.is-scrolled .brand img { height: 40px; }

.nav { margin-left: auto; }
.nav ul { list-style: none; display: flex; gap: 4px; }
.nav a {
  position: relative; display: block; padding: 10px 12px; border-radius: 10px;
  color: var(--ink); font-weight: 600; font-size: .96rem; text-decoration: none;
  transition: color .2s, background-color .2s;
}
.nav a::after {
  content: ""; position: absolute; left: 12px; right: 12px; bottom: 5px; height: 2px; border-radius: 2px;
  background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.nav a:hover { color: var(--blue); }
.nav a:hover::after, .nav a[aria-current="page"]::after { transform: scaleX(1); }
.nav a[aria-current="page"] { color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.header-call { display: inline-flex; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: 50%; border: 1.5px solid var(--line); color: var(--navy-900); transition: border-color .2s, background-color .2s, color .2s; }
.header-call:hover { border-color: var(--navy-900); background: var(--navy-900); color: var(--white); }
.menu-toggle { display: none; width: 46px; height: 46px; border-radius: 50%; border: 1.5px solid var(--line); background: var(--white); cursor: pointer; align-items: center; justify-content: center; }
.menu-toggle .i { width: 22px; height: 22px; }

.scroll-progress { position: fixed; inset: 0 0 auto 0; height: 3px; z-index: 60; pointer-events: none; }
.scroll-progress span { display: block; height: 100%; width: 100%; background: linear-gradient(90deg, var(--blue), var(--sun)); transform-origin: left; transform: scaleX(var(--p, 0)); }

/* Mobile menu */
.mobile-menu {
  position: fixed; inset: 0; z-index: 70; display: flex; flex-direction: column;
  background: var(--navy-950); color: var(--white);
  padding: calc(env(safe-area-inset-top, 0px) + 18px) var(--gutter-r) calc(env(safe-area-inset-bottom, 0px) + 28px) var(--gutter);
  clip-path: circle(0% at calc(100% - 44px) 44px); visibility: hidden;
  transition: clip-path .7s var(--ease), visibility 0s linear .7s;
}
.mobile-menu.is-open { clip-path: circle(150% at calc(100% - 44px) 44px); visibility: visible; transition: clip-path .7s var(--ease), visibility 0s; }
.mobile-menu__top { display: flex; justify-content: space-between; align-items: center; }
.mobile-menu__top img { height: 40px; width: auto; }
.mobile-menu__close { width: 46px; height: 46px; border-radius: 50%; border: 1.5px solid rgba(255, 255, 255, .3); background: transparent; color: var(--white); display: inline-flex; align-items: center; justify-content: center; cursor: pointer; }
.mobile-menu nav { margin-top: 6vh; }
.mobile-menu ul { list-style: none; display: grid; gap: 2px; }
.mobile-menu nav a {
  display: block; padding: 8px 0; color: var(--white); text-decoration: none;
  font-family: var(--font-display); font-size: clamp(2rem, 9vw, 2.75rem); line-height: 1.15;
  opacity: 0; transform: translateY(18px); transition: opacity .5s var(--ease), transform .6s var(--ease), color .2s;
}
.mobile-menu nav a[aria-current="page"] { color: var(--sun); }
.mobile-menu.is-open nav a { opacity: 1; transform: none; }
.mobile-menu.is-open li:nth-child(1) a { transition-delay: .12s; }
.mobile-menu.is-open li:nth-child(2) a { transition-delay: .16s; }
.mobile-menu.is-open li:nth-child(3) a { transition-delay: .2s; }
.mobile-menu.is-open li:nth-child(4) a { transition-delay: .24s; }
.mobile-menu.is-open li:nth-child(5) a { transition-delay: .28s; }
.mobile-menu.is-open li:nth-child(6) a { transition-delay: .32s; }
.mobile-menu.is-open li:nth-child(7) a { transition-delay: .36s; }
.mobile-menu__foot { margin-top: auto; display: grid; gap: 14px; color: rgba(255, 255, 255, .8); }
.mobile-menu__foot a { color: inherit; text-decoration: none; display: inline-flex; gap: 10px; align-items: center; }
.mobile-menu__foot .btn { justify-self: start; }

@media (max-width: 1080px) {
  .nav, .header-actions .btn { display: none; }
  .header-actions { margin-left: auto; }
  .menu-toggle { display: inline-flex; }
}
@media (max-width: 720px) {
  .topbar__links a:last-child { display: none; }
  .brand img { height: 40px; }
}
@media (max-width: 420px) {
  .topbar__links { display: none; }
  .brand img, .site-header.is-scrolled .brand img { height: 34px; }
}

/* ---------- Sections ---------- */
.section { padding-block: clamp(72px, 9vw, 128px); }
.section--paper { background: var(--paper); }
.section--tight { padding-block: clamp(56px, 6vw, 88px); }
.section-head { display: grid; gap: 18px; max-width: 760px; margin-bottom: clamp(40px, 5vw, 64px); }
.section-head p { color: var(--muted); font-size: var(--fs-lg); max-width: 62ch; }
.section-head--split { max-width: none; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: end; gap: 24px 64px; }
.section-head--split p { justify-self: end; }
@media (max-width: 900px) { .section-head--split { grid-template-columns: 1fr; } .section-head--split p { justify-self: start; } }
.kicker { display: inline-flex; align-items: center; gap: 10px; font-weight: 700; font-size: .9375rem; color: var(--blue); }
.kicker::before { content: ""; width: 22px; height: 22px; border-radius: 50%; border: 2px solid currentColor; border-right-color: transparent; transform: rotate(-35deg); flex: none; }
.on-dark .kicker, .kicker--light { color: var(--blue-200); }
.prose-lg { font-size: var(--fs-lg); color: var(--muted); }

/* ---------- Arcs (logo motif) ---------- */
.arcs { position: absolute; pointer-events: none; }
.arcs circle { fill: none; stroke-linecap: round; }
.arcs .arc-a { stroke: currentColor; stroke-width: .9; stroke-dasharray: 80 20; }
.arcs .arc-b { stroke: currentColor; stroke-width: .5; stroke-dasharray: 64 36; opacity: .7; }
.arcs--spin { animation: spin 90s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes draw-a { from { stroke-dasharray: 0 100; } to { stroke-dasharray: 80 20; } }
@keyframes draw-b { from { stroke-dasharray: 0 100; } to { stroke-dasharray: 64 36; } }

/* ---------- Home hero: the emblem ---------- */
.hero {
  position: relative; isolation: isolate; overflow: hidden; color: var(--white);
  background:
    radial-gradient(52% 70% at 74% 50%, rgba(50, 91, 165, .36), transparent 70%),
    radial-gradient(120% 55% at 50% 125%, rgba(50, 91, 165, .24), transparent 62%),
    linear-gradient(180deg, #091629 0%, #0C1F3E 55%, var(--navy-950) 100%);
}
.hero::after { content: ""; position: absolute; inset: auto 0 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(185, 204, 238, .28), transparent); }
.hero__gl { position: absolute; inset: 0; width: 100%; height: 100%; z-index: 0; pointer-events: none; }
.hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); align-items: center; gap: 40px; padding-block: clamp(64px, 8vw, 116px) clamp(80px, 9vw, 132px); }
.hero__copy { display: grid; gap: 28px; justify-items: start; min-width: 0; }
.hero__title {
  font-size: var(--fs-display); font-weight: 500; line-height: .92; letter-spacing: -0.04em;
  color: var(--white); text-wrap: initial;
}
.hero__title .line { display: block; overflow: hidden; padding-bottom: .08em; margin-bottom: -.08em; }
.hero__title .line > span { display: inline-block; }
.hero__title .dots { display: inline-flex; gap: .09em; margin-left: .06em; }
.hero__title .dots i { display: inline-block; width: .13em; height: .13em; border-radius: 50%; background: var(--sun); font-style: normal; }
.hero__lede { font-size: clamp(1.0625rem, 1rem + .4vw, 1.3125rem); color: rgba(255, 255, 255, .84); max-width: 34em; }
.hero__lede strong { color: var(--white); font-weight: 600; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero__proof { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 26px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .12); color: rgba(255, 255, 255, .78); font-size: .9375rem; font-weight: 600; }
.hero__proof li { display: inline-flex; align-items: center; gap: 9px; }
.hero__proof .i { width: 19px; height: 19px; color: var(--sun); }

.hero__emblem { position: relative; justify-self: center; width: min(480px, 100%); aspect-ratio: 600 / 570; }
.hero__emblem::before { content: ""; position: absolute; inset: -20%; z-index: -1; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, rgba(50, 91, 165, .42) 0%, rgba(50, 91, 165, .14) 44%, transparent 68%); }
.emblem-static { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: contain; filter: drop-shadow(0 24px 48px rgba(0, 0, 0, .45)); }
.js .emblem-static { opacity: 0; animation: pop 1s var(--ease) 1.6s forwards; }
.shield-on .emblem-static { animation: none; opacity: 0; }
.shield-on .hero__emblem { cursor: pointer; }
.shield-static .emblem-static { animation: pop 1.2s var(--ease) both; }

.motion-toggle {
  position: absolute; right: max(20px, env(safe-area-inset-right, 0px)); bottom: 22px; z-index: 2;
  display: inline-flex; align-items: center; gap: 9px; padding: 8px 14px; border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, .22); background: rgba(10, 24, 48, .55); color: rgba(255, 255, 255, .78);
  font-size: .8125rem; font-weight: 700; cursor: pointer; transition: border-color .2s, color .2s;
  -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
}
.motion-toggle:hover { border-color: rgba(255, 255, 255, .6); color: var(--white); }
.motion-toggle__icon { position: relative; width: 10px; height: 10px; }
.motion-toggle__icon::before, .motion-toggle__icon::after { content: ""; position: absolute; top: 0; width: 3px; height: 10px; border-radius: 1px; background: currentColor; }
.motion-toggle__icon::before { left: 1px; }
.motion-toggle__icon::after { right: 1px; }
.motion-toggle[aria-pressed="true"] .motion-toggle__icon::before { left: 2px; width: 0; height: 0; border-radius: 0; background: none; border-left: 8px solid currentColor; border-top: 5px solid transparent; border-bottom: 5px solid transparent; }
.motion-toggle[aria-pressed="true"] .motion-toggle__icon::after { display: none; }

/* Orchestrated load sequence (only when JS + motion allowed) */
@media (prefers-reduced-motion: no-preference) {
  .js .hero__title .line > span { transform: translateY(105%); animation: rise 1s var(--ease) forwards; }
  .js .hero__title .line:nth-child(2) > span { animation-delay: .55s; }
  .js .hero__title .dots i { opacity: 0; transform: scale(.2); animation: dot .5s var(--ease) forwards; }
  .js .hero__title .dots i:nth-child(1) { animation-delay: .35s; }
  .js .hero__title .dots i:nth-child(2) { animation-delay: .45s; }
  .js .hero__title .dots i:nth-child(3) { animation-delay: .55s; }
  .js .hero__lede, .js .hero__actions, .js .hero__proof { opacity: 0; animation: fade-up .9s var(--ease) .8s forwards; }
  .js .hero__actions { animation-delay: .95s; }
  .js .hero__proof { animation-delay: 1.15s; }
  .js .motion-toggle { opacity: 0; animation: fade-up .8s var(--ease) 2.4s forwards; }
}
@keyframes rise { to { transform: translateY(0); } }
@keyframes dot { to { opacity: 1; transform: scale(1); } }
@keyframes fade-up { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
@keyframes pop { from { opacity: 0; transform: scale(.94); } to { opacity: 1; transform: none; } }

@media (max-width: 900px) {
  .hero { background:
    radial-gradient(70% 38% at 50% 20%, rgba(50, 91, 165, .38), transparent 70%),
    linear-gradient(180deg, #091629 0%, #0C1F3E 55%, var(--navy-950) 100%); }
  .hero__grid { grid-template-columns: 1fr; gap: 16px; padding-top: 28px; }
  .hero__emblem { order: -1; width: min(340px, 78vw); margin-block: 8px 12px; }
}
@media (max-width: 560px) {
  .hero__actions .btn { flex: 1 1 100%; }
  .hero__proof { gap: 10px 18px; font-size: .875rem; }
  .motion-toggle { bottom: 14px; padding: 6px 12px; }
}

/* ---------- Home background current ---------- */
.bg-current { position: fixed; inset: 0; width: 100%; height: 100%; z-index: -1; pointer-events: none; }
main.home .section--paper { background: rgba(244, 246, 250, .72); }
main.home .creds { background: rgba(255, 255, 255, .8); }

/* ---------- Page hero (sub pages) ---------- */
.page-hero { position: relative; isolation: isolate; overflow: hidden; background: var(--navy-900); color: var(--white); }
.page-hero .wrap { position: relative; padding-block: clamp(56px, 7vw, 104px) clamp(56px, 6vw, 88px); display: grid; gap: 20px; justify-items: start; }
.page-hero h1 { color: var(--white); max-width: 15em; }
.page-hero p.lede { font-size: var(--fs-lg); color: rgba(255, 255, 255, .8); max-width: 40em; }
.page-hero .arcs { right: -120px; top: 50%; width: 560px; height: 560px; translate: 0 -50%; color: rgba(185, 204, 238, .35); z-index: -1; }
.page-hero .arcs .arc-b { color: rgba(185, 204, 238, .25); }
.page-hero::before { content: ""; position: absolute; inset: 0; z-index: -2; background: radial-gradient(50% 90% at 90% 50%, rgba(50, 91, 165, .45), transparent 70%); }
@media (prefers-reduced-motion: no-preference) {
  .js .page-hero .arc-a { animation: draw-a 1.8s var(--ease) both; }
  .js .page-hero .arc-b { animation: draw-b 2.2s var(--ease) .2s both; }
  .js .page-hero h1, .js .page-hero .lede, .js .page-hero .crumbs, .js .page-hero .page-hero__extra { animation: fade-up .9s var(--ease) both; }
  .js .page-hero h1 { animation-delay: .05s; }
  .js .page-hero .lede { animation-delay: .18s; }
  .js .page-hero .page-hero__extra { animation-delay: .3s; }
}
.crumbs { display: flex; gap: 8px; font-size: var(--fs-sm); color: rgba(255, 255, 255, .65); list-style: none; }
.crumbs a { color: inherit; text-decoration: none; }
.crumbs a:hover { color: var(--white); text-decoration: underline; }
.crumbs li + li::before { content: "/"; margin-right: 8px; opacity: .5; }
@media (max-width: 720px) { .page-hero .arcs { width: 380px; height: 380px; right: -200px; } }

/* ---------- Credentials strip ---------- */
.creds { background: var(--white); border-bottom: 1px solid var(--line); overflow: hidden; }
.creds__track { display: flex; width: max-content; animation: marquee 70s linear infinite; }
.creds:hover .creds__track { animation-play-state: paused; }
.creds ul { display: flex; list-style: none; }
.creds li { display: inline-flex; align-items: center; gap: 12px; padding: 22px 36px; white-space: nowrap; color: var(--muted); font-weight: 600; font-size: .9375rem; }
.creds li strong { font-family: var(--font-display); font-weight: 600; font-size: 1.125rem; color: var(--navy-900); }
.creds li::after { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--blue-200); margin-left: 36px; }
@keyframes marquee { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .creds__track { animation: none; flex-wrap: wrap; width: auto; } .creds ul[aria-hidden] { display: none; } }

/* ---------- Coverage (one box, four tabs) ---------- */
.policy__icon { width: 56px; height: 56px; flex: none; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue); }
.policy__icon .i { width: 26px; height: 26px; }
.facts { margin: 0; display: grid; border-top: 1px solid var(--line); }
.facts > div { display: grid; grid-template-columns: 104px minmax(0, 1fr); gap: 16px; padding: 12px 0; border-bottom: 1px dashed var(--line); font-size: .9688rem; }
.facts dt { font-weight: 700; color: var(--navy-900); }
.facts dd { margin: 0; color: var(--muted); }

.cov { border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow-lift); overflow: hidden; }
.cov__tabs { position: relative; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 6px; margin: clamp(12px, 1.6vw, 18px); padding: 6px; border-radius: 22px; background: var(--paper); border: 1px solid var(--line); }
.cov__thumb { position: absolute; left: 0; top: 0; width: 0; height: 0; border-radius: 16px; background: var(--navy-900); box-shadow: 0 12px 26px -12px rgba(10, 24, 48, .65); pointer-events: none; }
.cov__tabs.is-ready .cov__thumb { transition: transform .6s var(--ease), width .6s var(--ease), height .6s var(--ease); }
.cov__tab {
  position: relative; z-index: 1; display: flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 60px; padding: 12px 14px; border: 0; border-radius: 16px; background: transparent; cursor: pointer;
  font-weight: 700; font-size: 1.0625rem; color: var(--muted); transition: color .35s, background-color .3s;
}
.cov__tab .i { width: 22px; height: 22px; color: var(--blue); transition: color .35s, transform .6s var(--ease); }
.cov__tab:hover { color: var(--navy-900); }
.cov__tab:not([aria-selected="true"]):hover { background: rgba(255, 255, 255, .7); }
.cov__tab[aria-selected="true"] { color: var(--white); }
.cov__tab[aria-selected="true"] .i { color: var(--sun); transform: rotate(-8deg) scale(1.1); }
.cov__tabs:not(.is-ready) .cov__tab[aria-selected="true"] { background: var(--navy-900); }
.cov__tab:focus-visible { outline-offset: -3px; }

.cov__panels { display: grid; }
.cov__panel { grid-area: 1 / 1; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(24px, 4vw, 56px); padding: clamp(12px, 2vw, 22px) clamp(22px, 4vw, 48px) clamp(26px, 4vw, 44px); visibility: hidden; opacity: 0; }
.cov__panel.is-active { visibility: visible; opacity: 1; }
.cov__main { display: grid; gap: 18px; align-content: start; min-width: 0; }
.cov__head { display: flex; align-items: center; gap: 16px; }
.cov__head h3 { font-size: clamp(1.75rem, 1.35rem + 1.4vw, 2.5rem); }
.cov__summary { color: var(--muted); font-size: var(--fs-lg); max-width: 54ch; }
.cov__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 26px; margin-top: 6px; }
.cov__side { position: relative; isolation: isolate; overflow: hidden; display: grid; gap: 14px; align-content: start; padding: clamp(22px, 3vw, 32px); border-radius: var(--radius); background: var(--navy-900); color: rgba(255, 255, 255, .8); }
.cov__side .arcs { right: -110px; bottom: -130px; width: 300px; height: 300px; color: rgba(185, 204, 238, .16); z-index: -1; }
.cov__side strong { font-family: var(--font-display); font-weight: 500; font-size: 1.375rem; color: var(--white); }
.cov__list { list-style: none; display: grid; gap: 10px; padding-top: 14px; border-top: 1px solid rgba(255, 255, 255, .14); }
.cov__list li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: .9688rem; color: rgba(255, 255, 255, .88); }
.cov__list .i { width: 20px; height: 20px; color: var(--sun); margin-top: 2px; }
@media (prefers-reduced-motion: no-preference) {
  .cov__panel.is-entering .cov__main > *, .cov__panel.is-entering .cov__side { animation: fade-up .6s var(--ease) both; }
  .cov__panel.is-entering .cov__main > :nth-child(2) { animation-delay: .05s; }
  .cov__panel.is-entering .cov__main > :nth-child(3) { animation-delay: .1s; }
  .cov__panel.is-entering .cov__main > :nth-child(4) { animation-delay: .15s; }
  .cov__panel.is-entering .cov__side { animation-delay: .12s; }
}
.cov__foot { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; padding: 18px clamp(22px, 4vw, 48px); background: var(--paper); border-top: 1px solid var(--line); }
.cov__foot > a { font-weight: 700; color: var(--navy-900); }
.chips { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; }
.chip { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); font-weight: 600; font-size: .9375rem; color: var(--ink); }
.chip .i { width: 17px; height: 17px; color: var(--blue); }
@media (max-width: 900px) { .cov__panel { grid-template-columns: 1fr; } }
@media (max-width: 640px) {
  .cov__tabs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cov__tab { min-height: 52px; font-size: 1rem; }
  .cov__head .policy__icon { display: none; }
  .cov__actions .btn { flex: 1 1 100%; }
}

/* ---------- Meet Keith ---------- */
.meet { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(40px, 6vw, 96px); align-items: center; }
.meet__visual { position: relative; max-width: 460px; width: 100%; }
.meet__frame { position: relative; aspect-ratio: 4 / 5; border-radius: 999px 999px var(--radius-lg) var(--radius-lg); overflow: hidden; background: #3a3f46; box-shadow: var(--shadow-lift); }
.meet__frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 20%; transition: transform 1.2s var(--ease); }
.meet__visual:hover .meet__frame img { transform: scale(1.03); }
.meet__visual .arcs { inset: -7% -9% auto; width: 118%; aspect-ratio: 1; color: var(--blue); }
.meet__visual .arcs .arc-b { color: var(--steel); }
.meet__body { display: grid; gap: 24px; min-width: 0; }
.years { display: flex; align-items: flex-end; gap: 18px; }
.years__num { font-family: var(--font-display); font-weight: 300; font-size: clamp(5rem, 3rem + 8vw, 9rem); line-height: .8; letter-spacing: -0.05em; color: var(--blue); font-variant-numeric: lining-nums tabular-nums; }
.years__label { padding-bottom: .5em; font-weight: 700; color: var(--navy-900); line-height: 1.35; max-width: 12em; }
.meet__body .prose-lg { max-width: 58ch; }
.pull-quote { margin: 0; padding-left: 24px; border-left: 3px solid var(--sun); }
.pull-quote p { font-family: var(--font-display); font-size: clamp(1.25rem, 1.1rem + .6vw, 1.625rem); line-height: 1.35; color: var(--navy-900); font-style: italic; font-weight: 400; }
.pull-quote footer { margin-top: 10px; font-weight: 700; color: var(--muted); font-size: .9375rem; }
@media (max-width: 900px) { .meet { grid-template-columns: 1fr; } .meet__visual { max-width: 360px; } }

/* ---------- Process steps (scroll-drawn timeline) ---------- */
.process { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(40px, 6vw, 96px); align-items: start; }
.process__intro { position: sticky; top: calc(var(--header-h) + 40px); display: grid; gap: 20px; }
.process__intro p { color: var(--muted); font-size: var(--fs-lg); }
.steps { --progress: 0; position: relative; list-style: none; display: grid; gap: 14px; counter-reset: step; }
.steps::before, .steps::after { content: ""; position: absolute; left: 27px; top: 28px; bottom: 28px; width: 2px; border-radius: 2px; }
.steps::before { background: var(--line); }
.steps::after { background: linear-gradient(var(--blue), var(--sun)); transform-origin: top; transform: scaleY(var(--progress)); }
.step { position: relative; display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 22px; padding: 6px 0 22px; }
.step__num {
  position: relative; z-index: 1; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  background: var(--white); border: 2px solid var(--line); color: var(--muted);
  font-family: var(--font-display); font-size: 1.375rem; font-weight: 500;
  transition: background-color .5s var(--ease), border-color .5s, color .5s, transform .5s var(--ease);
}
.step.is-active .step__num { background: var(--navy-900); border-color: var(--navy-900); color: var(--white); transform: scale(1.06); }
.step__body { display: grid; gap: 8px; padding-top: 10px; }
.step h3 { font-size: 1.5rem; }
.step p { color: var(--muted); }
.step__meta { display: inline-flex; align-items: center; gap: 8px; justify-self: start; margin-top: 4px; padding: 6px 12px; border-radius: 999px; background: var(--blue-50); color: var(--blue-600); font-size: .875rem; font-weight: 700; }
.step__meta .i { width: 16px; height: 16px; }
@media (max-width: 900px) { .process { grid-template-columns: 1fr; } .process__intro { position: static; } }

/* ---------- Advantages (tabs) ---------- */
.adv { display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: 32px; align-items: stretch; }
.adv__list { display: grid; gap: 6px; align-content: start; }
.adv__tab {
  display: flex; align-items: center; gap: 16px; width: 100%; text-align: left;
  padding: 16px 18px; border-radius: 14px; border: 1px solid transparent; background: transparent; cursor: pointer;
  font-weight: 700; font-size: 1.0625rem; color: var(--ink);
  transition: background-color .3s, border-color .3s, color .3s;
}
.adv__tab .i { width: 22px; height: 22px; color: var(--steel); transition: color .3s; }
.adv__tab:hover { background: var(--white); }
.adv__tab[aria-selected="true"] { background: var(--white); border-color: var(--line); color: var(--navy-900); box-shadow: var(--shadow); }
.adv__tab[aria-selected="true"] .i { color: var(--blue); }
.adv__tab .bar { margin-left: auto; width: 26px; height: 2px; border-radius: 2px; background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform .5s var(--ease); }
.adv__tab[aria-selected="true"] .bar { transform: scaleX(1); }
.adv__panels { position: relative; border-radius: var(--radius-lg); background: var(--navy-900); color: var(--white); overflow: hidden; min-height: 360px; }
.adv__panels .arcs { right: -150px; bottom: -170px; width: 380px; height: 380px; color: rgba(185, 204, 238, .16); }
.adv__panel { position: relative; padding: clamp(28px, 4vw, 48px); display: grid; gap: 18px; align-content: start; }
.adv__panel[hidden] { display: none !important; }
.adv__panel .adv__icon { width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center; background: rgba(255, 255, 255, .08); color: var(--sun); }
.adv__panel .adv__icon .i { width: 28px; height: 28px; }
.adv__panel h3 { color: var(--white); font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); }
.adv__panel p { color: rgba(255, 255, 255, .82); font-size: var(--fs-lg); max-width: 52ch; }
@media (prefers-reduced-motion: no-preference) { .adv__panel.is-entering > * { animation: fade-up .6s var(--ease) both; } .adv__panel.is-entering > *:nth-child(2) { animation-delay: .06s; } .adv__panel.is-entering > *:nth-child(3) { animation-delay: .12s; } }
@media (max-width: 900px) {
  .adv { grid-template-columns: 1fr; }
  .adv__list { display: flex; overflow-x: auto; gap: 8px; padding-bottom: 6px; scroll-snap-type: x mandatory; scrollbar-width: none; }
  .adv__list::-webkit-scrollbar { display: none; }
  .adv__tab { flex: none; width: auto; scroll-snap-align: start; padding: 10px 16px; font-size: .9375rem; border-color: var(--line); background: var(--white); }
  .adv__tab .bar { display: none; }
  .adv__panels { min-height: 0; }
}

/* ---------- Testimonials ---------- */
.quotes { position: relative; display: grid; grid-template-columns: minmax(0, .72fr) minmax(0, 1.28fr); gap: 40px clamp(40px, 6vw, 96px); align-items: center; }
.quotes__side { display: grid; gap: 28px; align-content: start; justify-items: start; }
.quotes__side p { color: var(--muted); font-size: var(--fs-lg); max-width: 30ch; }
.quotes__viewport { padding: clamp(28px, 4vw, 48px); border-radius: var(--radius-lg); background: var(--paper); min-height: 280px; align-content: center; }
.quotes__viewport { position: relative; display: grid; min-width: 0; }
.quote-slide { grid-area: 1 / 1; margin: 0; display: grid; gap: 24px; opacity: 0; visibility: hidden; transform: translateY(16px); transition: opacity .6s var(--ease), transform .8s var(--ease), visibility 0s linear .6s; }
.quote-slide.is-current { opacity: 1; visibility: visible; transform: none; transition: opacity .6s var(--ease), transform .8s var(--ease), visibility 0s; }
.quote-slide p { font-family: var(--font-display); font-weight: 400; font-size: clamp(1.875rem, 1.2rem + 2.8vw, 3.5rem); line-height: 1.12; letter-spacing: -0.02em; color: var(--navy-900); max-width: 22ch; text-wrap: balance; }
.quote-slide p::before { content: "\201C"; color: var(--sun); margin-right: .04em; }
.quote-slide p::after { content: "\201D"; color: var(--sun); }
.quote-slide figcaption { font-weight: 700; color: var(--muted); }
.quote-slide figcaption::before { content: ""; display: inline-block; vertical-align: middle; width: 28px; height: 2px; margin-right: 12px; background: var(--blue-200); }
.quotes__nav { display: flex; align-items: center; gap: 10px; }
.round-btn { width: 50px; height: 50px; border-radius: 50%; border: 1.5px solid var(--line); background: var(--white); display: grid; place-items: center; cursor: pointer; color: var(--navy-900); transition: border-color .2s, background-color .2s, color .2s; }
.round-btn:hover { background: var(--navy-900); border-color: var(--navy-900); color: var(--white); }
.quotes__dots { display: flex; gap: 8px; margin-inline: 8px; }
.quotes__dots button { width: 9px; height: 9px; padding: 0; border-radius: 99px; border: 0; background: var(--line); cursor: pointer; transition: width .4s var(--ease), background-color .3s; }
.quotes__dots button[aria-current="true"] { width: 28px; background: var(--blue); }
.demo-note { margin-top: 0; padding: 10px 14px; border-radius: 10px; background: #FFF6E0; color: #7A5300; font-size: .875rem; font-weight: 600; display: inline-block; }
@media (max-width: 860px) { .quotes { grid-template-columns: 1fr; } .quotes__viewport { min-height: 0; } }

/* ---------- CTA band ---------- */
.cta-band { position: relative; isolation: isolate; overflow: hidden; background: var(--navy-900); color: var(--white); }
.cta-band .wrap { padding-block: clamp(72px, 9vw, 120px); display: grid; grid-template-columns: minmax(0, 1.3fr) auto; align-items: end; gap: 32px 64px; }
.cta-band h2 { color: var(--white); font-size: clamp(2.25rem, 1.5rem + 3vw, 4rem); max-width: 14em; }
.cta-band p { margin-top: 18px; color: rgba(255, 255, 255, .8); font-size: var(--fs-lg); max-width: 44ch; }
.cta-band .actions { display: flex; flex-wrap: wrap; gap: 12px; }
.cta-band .arcs { left: -160px; top: -160px; width: 520px; height: 520px; color: rgba(185, 204, 238, .22); z-index: -1; }
.cta-band::after { content: ""; position: absolute; inset: 0; z-index: -2; background: radial-gradient(45% 90% at 100% 100%, rgba(50, 91, 165, .5), transparent 70%); }
@media (max-width: 900px) { .cta-band .wrap { grid-template-columns: 1fr; align-items: start; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-950); color: rgba(255, 255, 255, .75); font-size: .9375rem; padding-bottom: env(safe-area-inset-bottom, 0px); }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 40px; padding-block: 72px 48px; }
.footer-brand { display: grid; gap: 20px; align-content: start; }
.footer-brand img { height: 52px; width: auto; }
.footer-brand p { max-width: 34ch; }
.site-footer h2 { font-family: var(--font-body); font-size: .9375rem; font-weight: 700; color: var(--white); letter-spacing: .01em; margin-bottom: 16px; }
.site-footer ul { list-style: none; display: grid; gap: 10px; }
.site-footer a { color: rgba(255, 255, 255, .75); text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .i { width: 17px; height: 17px; margin-top: 4px; color: var(--blue-200); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; padding-block: 24px 32px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: var(--fs-sm); color: rgba(255, 255, 255, .55); }
@media (max-width: 960px) { .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Mobile action bar & back-to-top ---------- */
.action-bar { display: none; }
@media (max-width: 760px) {
  .action-bar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
    padding: 10px var(--gutter-r) calc(10px + env(safe-area-inset-bottom, 0px)) var(--gutter);
    background: rgba(255, 255, 255, .94); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px); border-top: 1px solid var(--line);
    transform: translateY(110%); transition: transform .5s var(--ease);
  }
  .action-bar.is-visible { transform: none; }
  .action-bar .btn { min-height: 46px; }
  .site-footer { padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px)); }
  .to-top { display: none !important; }
}
.to-top {
  position: fixed; right: max(20px, calc(env(safe-area-inset-right, 0px) + 16px)); bottom: calc(24px + env(safe-area-inset-bottom, 0px)); z-index: 40;
  width: 52px; height: 52px; border-radius: 50%; border: 0; background: var(--white); color: var(--navy-900); box-shadow: var(--shadow-lift);
  display: grid; place-items: center; cursor: pointer; opacity: 0; transform: translateY(16px) scale(.9); pointer-events: none;
  transition: opacity .4s, transform .5s var(--ease);
}
.to-top.is-visible { opacity: 1; transform: none; pointer-events: auto; }
.to-top svg.ring { position: absolute; inset: 0; width: 100%; height: 100%; transform: rotate(-90deg); }
.to-top .ring circle { fill: none; stroke-width: 2.5; }
.to-top .ring .track { stroke: var(--line); }
.to-top .ring .fill { stroke: var(--blue); stroke-dasharray: 100; stroke-dashoffset: calc(100 - var(--p, 0) * 100); }

/* ---------- Reveal on scroll (content stays visible without JS) ---------- */
@media (prefers-reduced-motion: no-preference) {
  .js [data-reveal] { opacity: 0; transform: translateY(22px); transition: opacity .9s var(--ease), transform 1s var(--ease); transition-delay: var(--d, 0s); }
  .js [data-reveal].is-in { opacity: 1; transform: none; }
}

/* ==========================================================================
   Forms & quote wizard
   ========================================================================== */
.field { display: grid; gap: 8px; min-width: 0; }
.field label, .field .label { font-weight: 700; font-size: .9375rem; color: var(--navy-900); }
.field .opt { font-weight: 500; color: var(--muted); }
.input, .field input[type="text"], .field input[type="email"], .field input[type="tel"], .field input[type="search"], .field select, .field textarea {
  width: 100%; min-height: 52px; padding: 13px 16px; border-radius: 12px;
  border: 1.5px solid var(--line); background: var(--white); color: var(--ink); font: inherit; font-size: 1rem;
  transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 120px; resize: vertical; }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' fill='none' stroke='%2356637B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 8 5 5 5-5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 44px; }
.input:focus, .field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(50, 91, 165, .16); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--error); }
.field__error { color: var(--error); font-size: .875rem; font-weight: 600; display: none; }
.field.has-error .field__error { display: block; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 600px) { .field-row { grid-template-columns: 1fr; } }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.wizard { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); overflow: hidden; }
.wizard__head { padding: 28px clamp(22px, 4vw, 40px) 0; display: grid; gap: 18px; }
.wizard__head h2 { font-size: clamp(1.75rem, 1.4rem + 1.4vw, 2.375rem); }
.wizard__steps { list-style: none; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 8px; }
.wizard__steps li { display: grid; gap: 8px; font-size: .8125rem; font-weight: 700; color: var(--muted); }
.wizard__steps li::before { content: ""; height: 4px; border-radius: 4px; background: var(--line); transition: background-color .5s var(--ease); }
.wizard__steps li.is-done::before, .wizard__steps li.is-current::before { background: var(--blue); }
.wizard__steps li.is-current { color: var(--navy-900); }
.wizard__steps li.is-skipped { opacity: .45; }
.wizard form { padding: 28px clamp(22px, 4vw, 40px) 32px; }
.wizard__step { display: grid; gap: 22px; }
.wizard__step[hidden] { display: none !important; }
.wizard__step legend { padding: 0; margin-bottom: 4px; font-family: var(--font-display); font-size: 1.5rem; font-weight: 500; color: var(--navy-900); line-height: 1.2; }
.wizard__step fieldset { border: 0; padding: 0; margin: 0; min-width: 0; display: grid; gap: 16px; }
.wizard__hint { color: var(--muted); margin-top: -8px; }
@media (prefers-reduced-motion: no-preference) {
  .wizard__step.is-entering { animation: step-in .55s var(--ease) both; }
  .wizard__step.is-entering.from-left { animation-name: step-in-left; }
}
@keyframes step-in { from { opacity: 0; transform: translateX(28px); } to { opacity: 1; transform: none; } }
@keyframes step-in-left { from { opacity: 0; transform: translateX(-28px); } to { opacity: 1; transform: none; } }

.choice-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 720px) { .choice-cards { grid-template-columns: 1fr; } }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.choice span {
  display: grid; gap: 8px; height: 100%; padding: 18px; border-radius: 16px; border: 1.5px solid var(--line); background: var(--white);
  transition: border-color .2s, background-color .2s, box-shadow .3s, transform .3s var(--ease);
}
.choice span .i { width: 28px; height: 28px; color: var(--blue); }
.choice strong { color: var(--navy-900); font-size: 1.0625rem; }
.choice small { color: var(--muted); font-size: .9rem; line-height: 1.45; }
.choice input:hover + span { border-color: var(--blue-200); }
.choice input:checked + span { border-color: var(--blue); background: var(--blue-50); box-shadow: 0 0 0 3px rgba(50, 91, 165, .14); }
.choice input:focus-visible + span { outline: 3px solid var(--sun); outline-offset: 2px; }

.check-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.check-chip { position: relative; }
.check-chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.check-chip span { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font-weight: 600; transition: border-color .2s, background-color .2s, color .2s; }
.check-chip span .i { width: 18px; height: 18px; color: var(--blue); }
.check-chip span .tick { width: 0; overflow: hidden; transition: width .3s var(--ease); color: var(--white); }
.check-chip input:checked + span { background: var(--navy-900); border-color: var(--navy-900); color: var(--white); }
.check-chip input:checked + span .i { color: var(--blue-200); }
.check-chip input:checked + span .tick { width: 18px; color: var(--sun); }
.check-chip input:focus-visible + span { outline: 3px solid var(--sun); outline-offset: 2px; }

.segmented { display: inline-flex; padding: 4px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); gap: 4px; }
.segmented label { position: relative; }
.segmented input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.segmented span { display: block; padding: 8px 18px; border-radius: 999px; font-weight: 700; font-size: .9375rem; color: var(--muted); transition: background-color .2s, color .2s; }
.segmented input:checked + span { background: var(--white); color: var(--navy-900); box-shadow: 0 2px 8px -2px rgba(15, 35, 66, .2); }
.segmented input:focus-visible + span { outline: 3px solid var(--sun); }

.wizard__nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 30px; padding-top: 22px; border-top: 1px solid var(--line); }
.wizard__nav .btn--line[hidden] { display: none; }
.wizard__nav .spacer { flex: 1; }
.wizard__legal { font-size: .8125rem; color: var(--muted); margin-top: 4px; }
.form-alert { padding: 14px 16px; border-radius: 12px; background: #FDECEA; color: var(--error); font-weight: 600; font-size: .9375rem; }
.form-alert[hidden] { display: none; }

.wizard__done { padding: clamp(36px, 6vw, 64px) clamp(22px, 4vw, 40px); display: grid; justify-items: center; text-align: center; gap: 16px; }
.wizard__done[hidden] { display: none !important; }
.done-mark { position: relative; width: 120px; height: 120px; margin-bottom: 8px; }
.done-mark svg { width: 100%; height: 100%; }
.done-mark .ring-a { fill: none; stroke: var(--blue); stroke-width: 2.2; stroke-linecap: round; stroke-dasharray: 0 100; }
.done-mark .ring-b { fill: none; stroke: var(--steel); stroke-width: 1.4; stroke-linecap: round; stroke-dasharray: 0 100; }
.done-mark .tick { fill: none; stroke: var(--ok); stroke-width: 4; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 40; stroke-dashoffset: 40; }
.wizard__done.is-shown .ring-a { animation: draw-a 1.2s var(--ease) forwards; }
.wizard__done.is-shown .ring-b { animation: draw-b 1.4s var(--ease) .15s forwards; }
.wizard__done.is-shown .tick { animation: tick .6s var(--ease) .55s forwards; }
@keyframes tick { to { stroke-dashoffset: 0; } }
.wizard__done h2 { font-size: clamp(2rem, 1.6rem + 1.6vw, 2.75rem); }
.wizard__done p { color: var(--muted); max-width: 42ch; }
.wizard__done .note { font-size: .875rem; padding: 8px 12px; border-radius: 10px; background: #FFF6E0; color: #7A5300; font-weight: 600; }

/* ---------- Contact page ---------- */
.contact-layout { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(0, .9fr); gap: 32px; align-items: start; }
@media (max-width: 1000px) { .contact-layout { grid-template-columns: 1fr; } }
.contact-aside { display: grid; gap: 20px; }
.info-card { padding: 28px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); display: grid; gap: 18px; }
.info-card h2 { font-size: 1.5rem; }
.info-line { display: grid; grid-template-columns: 44px minmax(0, 1fr) auto; gap: 14px; align-items: center; }
.info-line .ico { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue); }
.info-line .ico .i { width: 20px; height: 20px; }
.info-line small { display: block; color: var(--muted); font-size: .8125rem; font-weight: 600; }
.info-line a, .info-line .val { color: var(--navy-900); font-weight: 700; text-decoration: none; overflow-wrap: anywhere; }
.info-line a:hover { color: var(--blue); text-decoration: underline; }
.copy-btn { display: inline-flex; align-items: center; gap: 6px; padding: 7px 12px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font-size: .8125rem; font-weight: 700; color: var(--muted); cursor: pointer; transition: border-color .2s, color .2s; }
.copy-btn:hover { border-color: var(--navy-900); color: var(--navy-900); }
.copy-btn.is-copied { border-color: var(--ok); color: var(--ok); }
.copy-btn .i { width: 15px; height: 15px; }

.hours { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.hours th, .hours td { padding: 9px 0; border-bottom: 1px dashed var(--line); text-align: left; font-weight: 600; }
.hours td { text-align: right; color: var(--muted); }
.hours tr.is-today th, .hours tr.is-today td { color: var(--navy-900); font-weight: 800; }
.hours tr.is-today th::after { content: "Today"; margin-left: 10px; padding: 2px 8px; border-radius: 99px; background: var(--blue-50); color: var(--blue); font-size: .75rem; font-weight: 700; }
.status--card { padding: 10px 14px; border-radius: 12px; background: var(--paper); color: var(--navy-900); }

.map-facade { position: relative; overflow: hidden; border-radius: var(--radius-lg); border: 1px solid var(--line); background: #E9EEF5; min-height: 260px; display: grid; }
.map-facade__art { position: absolute; inset: 0; width: 100%; height: 100%; }
.map-facade__body { position: relative; align-self: end; margin: 16px; padding: 16px 18px; border-radius: 16px; background: rgba(255, 255, 255, .95); box-shadow: var(--shadow); display: grid; gap: 12px; }
.map-facade__body strong { color: var(--navy-900); }
.map-facade__body .row { display: flex; flex-wrap: wrap; gap: 8px; }
.map-facade iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.pin { position: absolute; left: 50%; top: 38%; translate: -50% -100%; color: var(--blue); }
.pin svg { width: 44px; height: 44px; fill: var(--blue); stroke: var(--white); stroke-width: 1.5; filter: drop-shadow(0 8px 10px rgba(15, 35, 66, .35)); }
.pin::after { content: ""; position: absolute; left: 50%; bottom: -6px; width: 18px; height: 6px; translate: -50% 0; border-radius: 50%; background: rgba(15, 35, 66, .25); }
@media (prefers-reduced-motion: no-preference) { .pin { animation: bob 3s ease-in-out infinite; } }
@keyframes bob { 50% { transform: translateY(-6px); } }

/* ---------- Services page ---------- */
.subnav { position: sticky; top: calc(env(safe-area-inset-top, 0px) + 64px); z-index: 30; background: rgba(255, 255, 255, .92); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.subnav ul { list-style: none; display: flex; gap: 6px; overflow-x: auto; padding-block: 12px; scrollbar-width: none; }
.subnav ul::-webkit-scrollbar { display: none; }
.subnav a { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; white-space: nowrap; color: var(--muted); font-weight: 700; font-size: .9375rem; text-decoration: none; transition: background-color .25s, color .25s; }
.subnav a .i { width: 17px; height: 17px; }
.subnav a:hover { color: var(--navy-900); background: var(--paper); }
.subnav a.is-active { background: var(--navy-900); color: var(--white); }

.service { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: clamp(32px, 5vw, 72px); align-items: start; padding-block: clamp(56px, 7vw, 96px); border-bottom: 1px solid var(--line); scroll-margin-top: 140px; }
.service:last-of-type { border-bottom: 0; }
.service__copy { display: grid; gap: 20px; min-width: 0; }
.service__title { display: flex; align-items: center; gap: 18px; }
.service__title .policy__icon { width: 64px; height: 64px; flex: none; }
.service__copy p { color: var(--muted); font-size: var(--fs-lg); max-width: 60ch; }
.why { padding: 20px 22px; border-radius: 16px; background: var(--blue-50); color: var(--navy-900); }
.why strong { display: block; margin-bottom: 4px; }
.why p { font-size: 1rem !important; color: var(--navy-700) !important; }
.sheet { position: sticky; top: 150px; padding: 28px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); display: grid; gap: 18px; }
.sheet__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding-bottom: 14px; border-bottom: 2px solid var(--navy-900); }
.sheet__head strong { font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; color: var(--navy-900); }
.sheet__head span { font-size: .8125rem; font-weight: 700; color: var(--muted); }
.checklist { list-style: none; display: grid; gap: 12px; }
.checklist li { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: 12px; }
.checklist .i { width: 22px; height: 22px; color: var(--ok); margin-top: 2px; }
.sheet .plans { display: flex; flex-wrap: wrap; gap: 8px; padding-top: 14px; border-top: 1px dashed var(--line); }
.sheet .plans small { width: 100%; font-weight: 700; color: var(--muted); font-size: .8125rem; }
.tag { display: inline-block; padding: 5px 11px; border-radius: 99px; background: var(--paper); border: 1px solid var(--line); font-size: .875rem; font-weight: 700; color: var(--navy-900); }
@media (max-width: 900px) { .service { grid-template-columns: 1fr; } .sheet { position: static; } }

.supp-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 1000px) { .supp-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .supp-grid { grid-template-columns: 1fr; } }
.supp { --mx: 50%; --my: 50%; position: relative; overflow: hidden; display: grid; gap: 14px; align-content: start; padding: 26px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--line); transition: transform .5s var(--ease), box-shadow .5s var(--ease); }
.supp::before { content: ""; position: absolute; inset: 0; background: radial-gradient(300px circle at var(--mx) var(--my), rgba(50, 91, 165, .09), transparent 60%); opacity: 0; transition: opacity .4s; }
.supp:hover { transform: translateY(-4px); box-shadow: var(--shadow-lift); }
.supp:hover::before { opacity: 1; }
.supp h3 { font-size: 1.3125rem; }
.supp p { color: var(--muted); font-size: .9688rem; }

/* ---------- FAQ ---------- */
.tools-bar { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 18px; margin-bottom: 36px; }
.search { position: relative; flex: 1 1 320px; max-width: 460px; }
.search .i { position: absolute; left: 16px; top: 50%; translate: 0 -50%; width: 20px; height: 20px; color: var(--muted); pointer-events: none; }
.search input { width: 100%; min-height: 54px; padding: 12px 16px 12px 48px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font: inherit; color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.search input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(50, 91, 165, .16); }
.filters { display: flex; flex-wrap: wrap; gap: 8px; }
.filter { display: inline-flex; align-items: center; gap: 8px; padding: 9px 15px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font-weight: 700; font-size: .9063rem; color: var(--muted); cursor: pointer; transition: background-color .2s, border-color .2s, color .2s; }
.filter:hover { border-color: var(--navy-900); color: var(--navy-900); }
.filter[aria-pressed="true"] { background: var(--navy-900); border-color: var(--navy-900); color: var(--white); }
.filter .count { font-variant-numeric: tabular-nums; font-size: .78rem; padding: 1px 7px; border-radius: 99px; background: var(--paper); color: var(--muted); }
.filter[aria-pressed="true"] .count { background: rgba(255, 255, 255, .16); color: var(--white); }
.results-note { width: 100%; color: var(--muted); font-size: .9375rem; font-weight: 600; }

.faq-layout { display: grid; grid-template-columns: 300px minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.faq-side { position: sticky; top: 100px; display: grid; gap: 24px; }
.faq-side .tools-bar { flex-direction: column; align-items: stretch; margin-bottom: 0; }
.faq-side .search { max-width: none; flex: none; }
.faq-side .filters { flex-direction: column; align-items: flex-start; }
.ask-card { padding: 22px; border-radius: var(--radius); background: var(--navy-900); color: rgba(255, 255, 255, .82); display: grid; gap: 12px; justify-items: start; }
.ask-card strong { font-family: var(--font-display); font-weight: 500; font-size: 1.25rem; color: var(--white); }
@media (max-width: 900px) { .faq-layout { grid-template-columns: 1fr; } .faq-side { position: static; } .faq-side .filters { flex-direction: row; } .ask-card { display: none; } }
.faq-group { display: grid; gap: 12px; margin-bottom: 44px; }
.faq-group[hidden] { display: none; }
.faq-group > h2 { font-size: 1.625rem; margin-bottom: 8px; }
.faq-item { border-radius: 16px; background: var(--white); border: 1px solid var(--line); transition: border-color .3s, box-shadow .4s var(--ease); }
.faq-item[hidden] { display: none; }
.faq-item.is-open { border-color: var(--blue-200); box-shadow: var(--shadow); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 20px 22px; border: 0; background: transparent; text-align: left; cursor: pointer; font-weight: 700; font-size: 1.0938rem; color: var(--navy-900); }
.faq-q .plus { position: relative; width: 34px; height: 34px; border-radius: 50%; flex: none; background: var(--paper); transition: background-color .3s, transform .5s var(--ease); }
.faq-q .plus::before, .faq-q .plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 13px; height: 2px; border-radius: 2px; background: var(--navy-900); translate: -50% -50%; transition: transform .5s var(--ease), background-color .3s; }
.faq-q .plus::after { transform: rotate(90deg); }
.faq-item.is-open .plus { background: var(--navy-900); transform: rotate(180deg); }
.faq-item.is-open .plus::before, .faq-item.is-open .plus::after { background: var(--white); }
.faq-item.is-open .plus::after { transform: rotate(0deg); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .5s var(--ease); }
.faq-item.is-open .faq-a { grid-template-rows: 1fr; }
.faq-a > div { overflow: hidden; }
.faq-a .inner { padding: 0 22px 22px; display: grid; gap: 12px; color: var(--muted); max-width: 72ch; }
mark { background: #FFE7A8; color: inherit; border-radius: 3px; padding: 0 2px; }
.empty-state { display: grid; justify-items: start; gap: 12px; padding: 36px; border-radius: var(--radius-lg); border: 1.5px dashed var(--line); background: var(--white); }
.empty-state[hidden] { display: none; }
.empty-state strong { font-family: var(--font-display); font-size: 1.5rem; font-weight: 500; color: var(--navy-900); }
.empty-state p { color: var(--muted); }

/* ---------- Educate: library ---------- */
.article-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 1000px) { .article-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 620px) { .article-grid { grid-template-columns: 1fr; } }
.article { --mx: 50%; --my: 50%; position: relative; overflow: hidden; display: grid; grid-template-rows: auto 1fr auto; gap: 12px; padding: 24px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--line); transition: transform .5s var(--ease), box-shadow .5s var(--ease), border-color .3s; }
.article::before { content: ""; position: absolute; inset: 0; background: radial-gradient(320px circle at var(--mx) var(--my), rgba(50, 91, 165, .08), transparent 60%); opacity: 0; transition: opacity .4s; pointer-events: none; }
.article:hover { transform: translateY(-4px); box-shadow: var(--shadow-lift); border-color: var(--blue-200); }
.article:hover::before { opacity: 1; }
.article[hidden] { display: none; }
.article .cat { justify-self: start; display: inline-flex; align-items: center; gap: 6px; padding: 4px 10px; border-radius: 99px; font-size: .78rem; font-weight: 800; background: var(--blue-50); color: var(--blue-600); }
.article .cat .i { width: 14px; height: 14px; }
.article h3 { font-size: 1.3125rem; line-height: 1.22; }
.article h3 a { color: var(--navy-900); text-decoration: none; }
.article h3 a::after { content: ""; position: absolute; inset: 0; }
.article p { color: var(--muted); font-size: .9688rem; }
.article .more { font-weight: 700; color: var(--blue); font-size: .9375rem; display: inline-flex; gap: 6px; align-items: center; }
.article .more .i { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.article:hover .more .i { transform: translateX(4px); }
@media (prefers-reduced-motion: no-preference) { .article.is-showing { animation: fade-up .5s var(--ease) both; } }

/* ---------- Educate: life insurance calculator ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 0; border-radius: var(--radius-lg); overflow: hidden; background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
@media (max-width: 960px) { .calc { grid-template-columns: 1fr; } }
.calc__inputs { padding: clamp(24px, 4vw, 40px); display: grid; gap: 26px; }
.calc__group { display: grid; gap: 18px; }
.calc__group > h3 { font-family: var(--font-body); font-size: .9375rem; font-weight: 800; color: var(--muted); letter-spacing: .01em; padding-bottom: 8px; border-bottom: 1px solid var(--line); }
.range { display: grid; gap: 8px; }
.range__top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.range label { font-weight: 700; color: var(--navy-900); font-size: .9688rem; }
.range output { font-variant-numeric: tabular-nums; font-weight: 800; color: var(--navy-900); font-size: 1.0625rem; }
.range input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; cursor: pointer; --fill: 50%; }
.range input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--blue) var(--fill), var(--line) var(--fill)); }
.range input[type="range"]::-moz-range-track { height: 6px; border-radius: 6px; background: var(--line); }
.range input[type="range"]::-moz-range-progress { height: 6px; border-radius: 6px; background: var(--blue); }
.range input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%; background: var(--white); border: 3px solid var(--blue); box-shadow: 0 4px 10px -2px rgba(15, 35, 66, .35); transition: transform .2s var(--ease); }
.range input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--white); border: 3px solid var(--blue); box-shadow: 0 4px 10px -2px rgba(15, 35, 66, .35); }
.range input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.15); }
.range input[type="range"]:focus-visible { outline: none; }
.range input[type="range"]:focus-visible::-webkit-slider-thumb { outline: 3px solid var(--sun); outline-offset: 2px; }
.range small { color: var(--muted); font-size: .8125rem; }
.calc__result { position: relative; isolation: isolate; overflow: hidden; padding: clamp(24px, 4vw, 40px); background: var(--navy-900); color: var(--white); display: grid; gap: 22px; align-content: start; }
.calc__result .arcs { right: -120px; top: -120px; width: 380px; height: 380px; color: rgba(185, 204, 238, .2); z-index: -1; }
.calc__result h3 { font-family: var(--font-body); color: var(--blue-200); font-size: 1rem; font-weight: 700; }
.calc__total { font-family: var(--font-display); font-weight: 400; font-size: clamp(3rem, 2rem + 4vw, 4.75rem); line-height: 1; letter-spacing: -0.03em; font-variant-numeric: lining-nums tabular-nums; }
.calc__total-note { color: rgba(255, 255, 255, .78); }
.bars { display: grid; gap: 16px; }
.bar-row { display: grid; gap: 8px; }
.bar-row__label { display: flex; justify-content: space-between; font-size: .875rem; font-weight: 700; color: rgba(255, 255, 255, .85); font-variant-numeric: tabular-nums; }
.bar { display: flex; height: 16px; border-radius: 99px; background: rgba(255, 255, 255, .08); overflow: hidden; }
.bar span { height: 100%; transition: width .7s var(--ease); min-width: 0; }
.bar span + span { box-shadow: inset 2px 0 0 var(--navy-900); }
.legend { list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px 16px; font-size: .8438rem; color: rgba(255, 255, 255, .8); }
.legend li { display: flex; align-items: center; gap: 8px; min-width: 0; }
.legend li b { margin-left: auto; color: var(--white); font-variant-numeric: tabular-nums; font-weight: 700; }
.legend .sw { width: 10px; height: 10px; border-radius: 3px; flex: none; }
.calc__disclaimer { font-size: .8125rem; color: rgba(255, 255, 255, .6); }
.calc__result .btn { justify-self: start; }

/* ---------- About ---------- */
.story { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(40px, 6vw, 96px); align-items: start; }
.story__visual { position: sticky; top: 120px; }
.story__copy { display: grid; gap: 22px; min-width: 0; }
.story__copy p { font-size: var(--fs-lg); color: var(--muted); max-width: 62ch; }
.story__copy > p:first-of-type::first-letter { float: left; font-family: var(--font-display); font-size: 4.4em; line-height: .82; padding: .06em .1em 0 0; color: var(--blue); font-weight: 400; }
@media (max-width: 900px) { .story { grid-template-columns: 1fr; } .story__visual { position: static; max-width: 380px; } }
.milestones { list-style: none; display: grid; gap: 0; position: relative; }
.milestone { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 28px; padding: 26px 0; border-top: 1px solid var(--line); }
.milestone:last-child { border-bottom: 1px solid var(--line); }
.milestone__year { font-family: var(--font-display); font-size: 2.25rem; font-weight: 400; line-height: 1; color: var(--blue); font-variant-numeric: lining-nums; }
.milestone h3 { font-size: 1.375rem; margin-bottom: 6px; }
.milestone p { color: var(--muted); }
@media (max-width: 600px) { .milestone { grid-template-columns: 1fr; gap: 10px; } }
.honors { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: 40px; }
@media (max-width: 900px) { .honors { grid-template-columns: 1fr; } }
.honor { display: grid; gap: 10px; padding: 24px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--line); }
.honor .i { width: 28px; height: 28px; color: var(--blue); }
.honor strong { font-family: var(--font-display); font-weight: 500; font-size: 1.25rem; color: var(--navy-900); line-height: 1.25; }
.honor span { color: var(--muted); font-size: .9375rem; }
.values { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border-top: 1px solid rgba(255, 255, 255, .16); }
.values > div { padding: 28px 28px 8px 0; display: grid; gap: 10px; align-content: start; }
.values > div + div { padding-left: 28px; border-left: 1px solid rgba(255, 255, 255, .16); }
.values h3 { color: var(--white); font-size: 1.5rem; }
.values p { color: rgba(255, 255, 255, .78); }
@media (max-width: 900px) { .values { grid-template-columns: 1fr 1fr; } .values > div:nth-child(3) { padding-left: 0; border-left: 0; } }
@media (max-width: 560px) { .values { grid-template-columns: 1fr; } .values > div + div { padding-left: 0; border-left: 0; border-top: 1px solid rgba(255, 255, 255, .16); } }
.section-head p.mission { font-family: var(--font-display); font-size: clamp(1.5rem, 1.1rem + 1.6vw, 2.375rem); line-height: 1.25; color: var(--white); max-width: 28em; font-weight: 300; }
.section--navy { background: var(--navy-900); color: var(--white); position: relative; isolation: isolate; overflow: hidden; }
.section--navy h2 { color: var(--white); }
.section--navy .section-head p { color: rgba(255, 255, 255, .78); }
.section--navy .section-head p.mission { color: var(--white); }
.section--navy > .arcs { right: -180px; top: -160px; width: 560px; height: 560px; color: rgba(185, 204, 238, .18); z-index: -1; }
.section--navy::before { content: ""; position: absolute; inset: 0; z-index: -2; background: radial-gradient(45% 80% at 95% 0%, rgba(50, 91, 165, .45), transparent 70%); }

/* ---------- Resources ---------- */
.res-group { display: grid; grid-template-columns: minmax(0, .7fr) minmax(0, 1.3fr); gap: 32px; padding-block: 40px; border-top: 1px solid var(--line); }
.res-group:first-child { border-top: 0; padding-top: 0; }
.res-group > div:first-child { display: grid; gap: 10px; align-content: start; }
.res-group > div:first-child p { color: var(--muted); }
@media (max-width: 860px) { .res-group { grid-template-columns: 1fr; } }
.res-list { display: grid; gap: 12px; }
.resource { --mx: 50%; --my: 50%; position: relative; overflow: hidden; display: grid; grid-template-columns: 48px minmax(0, 1fr) auto; gap: 16px; align-items: center; padding: 18px 20px; border-radius: 16px; background: var(--white); border: 1px solid var(--line); text-decoration: none; color: inherit; transition: transform .5s var(--ease), box-shadow .5s var(--ease), border-color .3s; }
.resource:hover { transform: translateX(6px); box-shadow: var(--shadow); border-color: var(--blue-200); color: inherit; }
.resource .ico { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue); }
.resource .ico .i { width: 22px; height: 22px; }
.resource strong { display: block; color: var(--navy-900); font-size: 1.0625rem; }
.resource span { display: block; color: var(--muted); font-size: .9375rem; }
.resource .domain { margin-top: 4px; font-size: .8125rem; font-weight: 700; color: var(--blue); }
.resource > .i { width: 20px; height: 20px; color: var(--muted); transition: transform .3s var(--ease), color .3s; }
.resource:hover > .i { transform: translate(3px, -3px); color: var(--blue); }

/* ---------- Privacy (document layout) ---------- */
.doc { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.toc { position: sticky; top: 110px; display: grid; gap: 12px; max-height: calc(100vh - 140px); overflow: auto; padding-right: 6px; }
.toc strong { font-size: .875rem; color: var(--muted); }
.toc ol { list-style: none; display: grid; gap: 2px; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 6px 0 6px 14px; margin-left: -2px; border-left: 2px solid transparent; color: var(--muted); font-size: .9063rem; font-weight: 600; text-decoration: none; line-height: 1.35; transition: color .2s, border-color .2s; }
.toc a:hover { color: var(--navy-900); }
.toc a.is-active { color: var(--blue); border-left-color: var(--blue); }
.prose { max-width: 72ch; }
.prose h2 { font-size: clamp(1.625rem, 1.3rem + 1vw, 2.125rem); margin: 56px 0 16px; scroll-margin-top: 110px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.375rem; margin: 44px 0 14px; scroll-margin-top: 110px; }
.prose p { color: #3B4A63; margin-bottom: 16px; line-height: 1.75; }
.prose ul { margin: 0 0 18px; padding-left: 0; list-style: none; display: grid; gap: 10px; }
.prose li { position: relative; padding-left: 22px; color: #3B4A63; line-height: 1.65; }
.prose li::before { content: ""; position: absolute; left: 2px; top: .62em; width: 8px; height: 8px; border-radius: 50%; border: 2px solid var(--blue); }
.prose li strong, .prose p strong { color: var(--navy-900); }
.prose .effective { display: inline-block; margin-top: 12px; padding: 8px 14px; border-radius: 10px; background: var(--paper); font-weight: 700; color: var(--navy-900); font-style: normal; }
@media (max-width: 960px) { .doc { grid-template-columns: 1fr; } .toc { position: static; max-height: none; } }

/* ---------- 404 ---------- */
.lost { min-height: 60vh; display: grid; place-items: center; text-align: center; padding-block: 96px; }
.lost__inner { display: grid; justify-items: center; gap: 20px; max-width: 620px; }
.lost__mark { position: relative; width: 180px; height: 180px; }
.lost__mark img { position: absolute; inset: 20%; width: 60%; height: 60%; object-fit: contain; }
.lost__mark .arcs { inset: 0; width: 100%; height: 100%; color: var(--blue); }
.lost p { color: var(--muted); font-size: var(--fs-lg); }
.lost .actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }

/* ---------- View transitions between pages ---------- */
@media (prefers-reduced-motion: no-preference) {
  @view-transition { navigation: auto; }
  ::view-transition-old(root) { animation: vt-out .28s ease both; }
  ::view-transition-new(root) { animation: vt-in .45s var(--ease) both; }
}
@keyframes vt-out { to { opacity: 0; transform: translateY(-6px); } }
@keyframes vt-in { from { opacity: 0; transform: translateY(10px); } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

@media print {
  .topbar, .site-header, .action-bar, .to-top, .scroll-progress, .mobile-menu, .hero__gl, .motion-toggle { display: none !important; }
  .hero, .page-hero, .cta-band, .site-footer, .section--navy { background: #fff !important; color: #000 !important; }
}