/* Mycoverage — production design system (fresh rebuild) */
:root {
  --blue-950: #062b4a;
  --blue-900: #073b66;
  --blue-800: #0b4d82;
  --blue-700: #0f619f;
  --blue-500: #1b8fc5;
  --cyan-500: #1da8c8;
  --cyan-100: #dff4f8;
  --ink: #0c2942;
  --text: #344b60;
  --muted: #6e8192;
  --surface: #ffffff;
  --surface-soft: #f4f8fb;
  --surface-blue: #edf5fb;
  --line: #d9e5ee;
  --shadow-sm: 0 10px 28px rgba(8, 48, 83, 0.08);
  --shadow-md: 0 18px 50px rgba(8, 48, 83, 0.12);
  --shadow-lg: 0 28px 80px rgba(8, 48, 83, 0.16);
  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 28px;
  --radius-pill: 999px;
  --shell: 1180px;
  --section-space: 84px;
  --ease: cubic-bezier(.22, 1, .36, 1);
}

* { box-sizing: border-box; }
html { scroll-behavior: auto; scroll-padding-top: 82px; }
body {
  margin: 0;
  overflow-x: hidden;
  background: var(--surface);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }
svg { display: block; }
main { overflow: clip; }

.shell { width: min(calc(100% - 48px), var(--shell)); margin-inline: auto; }
.narrow { width: min(calc(100% - 48px), 860px); margin-inline: auto; }

h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--ink); letter-spacing: -0.03em; font-weight: 760; text-wrap: balance; }
h1 { max-width: 18ch; font-size: clamp(2.35rem, 3.65vw, 3.55rem); line-height: 1.02; margin-bottom: 18px; }
h2 { max-width: 22ch; font-size: clamp(1.8rem, 2.55vw, 2.45rem); line-height: 1.08; margin-bottom: 14px; }
h3 { max-width: 30ch; font-size: 1.05rem; line-height: 1.24; margin-bottom: 9px; }
p { color: var(--text); margin-bottom: 0; }

.eyebrow,
.form-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  width: fit-content;
  margin-bottom: 15px;
  padding: 7px 11px;
  border: 1px solid #cfe6f2;
  border-radius: var(--radius-pill);
  background: rgba(236, 247, 252, .78);
  color: var(--blue-700);
  font-size: 9px;
  font-weight: 850;
  line-height: 1;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.eyebrow::before,
.form-eyebrow::before {
  content: "";
  width: 7px;
  height: 7px;
  flex: none;
  border-radius: 50%;
  background: var(--cyan-500);
  box-shadow: 0 0 0 4px rgba(29,168,200,.12);
}
.eyebrow.light {
  border-color: rgba(255,255,255,.16);
  background: rgba(255,255,255,.08);
  color: #d7f3f9;
}
.eyebrow.light::before { background: #8ed9e9; box-shadow: 0 0 0 4px rgba(142,217,233,.12); }

.section-head { max-width: 670px; }
.section-head p { max-width: 610px; color: var(--muted); font-size: 14px; line-height: 1.68; }

.btn,
.call-pill,
.form-call,
.mobile-call {
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 0 20px;
  border: 1px solid transparent;
  border-radius: var(--radius-pill);
  font-size: 13px;
  font-weight: 800;
  line-height: 1;
  transition: transform .32s var(--ease), box-shadow .32s var(--ease), background .32s ease, color .32s ease, border-color .32s ease;
}
.btn svg { width: 16px; height: 16px; }
.btn-dark { background: var(--blue-950); color: #fff; box-shadow: 0 8px 24px rgba(6, 43, 74, .18); }
.btn-dark:hover { transform: translateY(-2px); background: var(--blue-800); box-shadow: 0 13px 30px rgba(6, 43, 74, .22); }
.btn-light { background: #fff; color: var(--blue-950); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.btn-outline { background: #fff; color: var(--blue-950); border-color: var(--line); }
.btn-outline:hover { transform: translateY(-2px); border-color: #aac5d8; box-shadow: var(--shadow-sm); }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--blue-900); font-size: 13px; font-weight: 800; }
.text-link span { transition: transform .25s var(--ease); }
.text-link:hover span { transform: translateX(4px); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  height: 76px;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(217,229,238,.8);
  backdrop-filter: blur(16px);
  transition: box-shadow .25s ease, background .25s ease;
}
.site-header.is-scrolled { box-shadow: 0 10px 28px rgba(7,59,102,.08); background: rgba(255,255,255,.985); }
.header-grid { height: 100%; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 28px; }
.brand { display: inline-flex; align-items: center; flex: none; }
.brand-logo { width: 148px; height: auto; max-height: 38px; object-fit: contain; }
.desktop-nav { display: flex; justify-content: center; align-items: center; gap: 24px; font-size: 12px; font-weight: 720; }
.desktop-nav > a,
.nav-cluster > button,
.nav-cluster > .nav-insurance-link {
  position: relative;
  padding: 29px 0 25px;
  border: 0;
  background: transparent;
  color: #3b5267;
  cursor: pointer;
}
.desktop-nav > a::after,
.nav-cluster > button::after,
.nav-cluster > .nav-insurance-link::after {
  content: "";
  position: absolute;
  left: 50%;
  right: 50%;
  bottom: 17px;
  height: 2px;
  border-radius: 20px;
  background: var(--cyan-500);
  transition: left .25s var(--ease), right .25s var(--ease);
}
.desktop-nav > a:hover::after,
.desktop-nav > a.is-active::after,
.nav-cluster:hover > button::after,
.nav-cluster:hover > .nav-insurance-link::after,
.nav-cluster > .nav-insurance-link.is-active::after { left: 0; right: 0; }
.nav-cluster { position: relative; }
.mega-menu {
  position: absolute;
  top: 66px;
  left: 50%;
  width: 720px;
  padding: 14px;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 14px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 28px 80px rgba(6,43,74,.18);
  opacity: 0;
  visibility: hidden;
  transform: translate(-42%, 10px);
  transition: opacity .22s ease, visibility .22s ease, transform .28s var(--ease);
}
.nav-cluster:hover .mega-menu,
.nav-cluster:focus-within .mega-menu { opacity: 1; visibility: visible; transform: translate(-42%, 0); }
.menu-kicker { color: var(--cyan-500); font-size: 9px; font-weight: 850; letter-spacing: .16em; text-transform: uppercase; }
.mega-menu strong { display: block; margin: 7px 0 6px; font-size: 15px; }
.mega-menu p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.6; }
.mega-links { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; }
.mega-links a { padding: 9px 10px; border-radius: 9px; font-size: 12px; font-weight: 700; }
.mega-links a:hover { background: var(--surface-blue); color: var(--blue-800); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.call-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 42px;
  padding: 0 16px;
  border-radius: var(--radius-pill);
  background: var(--blue-950);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  box-shadow: 0 7px 18px rgba(6,43,74,.16);
  transition: transform .25s var(--ease), background .25s ease;
}
.call-pill:hover { transform: translateY(-1px); background: var(--blue-800); }
.call-pill svg { width: 15px; }
.menu-toggle { display: none; width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 12px; background: #fff; align-items: center; justify-content: center; flex-direction: column; gap: 4px; cursor: pointer; }
.menu-toggle i { width: 17px; height: 2px; border-radius: 10px; background: var(--blue-950); transition: transform .25s ease, opacity .25s ease; }
.mobile-panel { display: none; }

/* Hero */
.page-hero { position: relative; min-height: 590px; overflow: hidden; background: linear-gradient(110deg, #f4f8fb 0%, #f4f8fb 49%, #edf4f9 49%, #edf4f9 100%); }
.hero-image {
  position: absolute;
  inset: 0 0 0 auto;
  width: 50.5%;
  height: 100%;
  background-image: var(--hero);
  background-position: center;
  background-size: cover;
}
.hero-image::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, #f4f8fb 0%, rgba(244,248,251,.78) 14%, rgba(244,248,251,.06) 44%, rgba(4,31,55,.08) 100%); }
.hero-image::after { content: ""; position: absolute; inset: auto 0 0 0; height: 120px; background: linear-gradient(0deg, rgba(4,31,55,.2), transparent); opacity: .4; }
.hero-shade { position: absolute; right: 7%; bottom: 11%; width: 150px; aspect-ratio: 1; border: 1px solid rgba(255,255,255,.55); border-radius: 50%; pointer-events: none; }
.page-hero-grid { position: relative; z-index: 2; min-height: 520px; display: grid; grid-template-columns: minmax(0, 1fr) 370px; gap: 62px; align-items: center; }
.hero-copy { max-width: 620px; padding: 58px 0 52px; }
.hero-copy h1 { max-width: 610px; }
.hero-copy p { max-width: 560px; color: #50687c; font-size: 15px; line-height: 1.7; }
.provider-brand-logo { display: block; width: min(100%, 410px); height: auto; margin: 18px 0 16px; object-fit: contain; }

.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 20px; margin-top: 28px; }
.hero-form {
  align-self: center;
  padding: 27px;
  border: 1px solid rgba(207,224,237,.95);
  border-radius: 22px;
  background: rgba(255,255,255,.96);
  box-shadow: 0 24px 64px rgba(6,43,74,.18);
}
.hero-form h2 { margin: 8px 0 8px; font-size: 23px; line-height: 1.08; }
.hero-form p { color: var(--muted); font-size: 13px; line-height: 1.55; }
.hero-form ul { margin: 18px 0; padding: 0; list-style: none; }
.hero-form li { display: flex; gap: 9px; align-items: flex-start; margin: 9px 0; color: #4d6477; font-size: 12px; line-height: 1.5; }
.hero-form li svg { width: 15px; margin-top: 1px; color: var(--cyan-500); flex: none; }
.form-call { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 46px; border-radius: var(--radius-pill); background: var(--blue-950); color: #fff; font-size: 12px; font-weight: 850; transition: transform .25s var(--ease), background .25s ease; }
.form-call:hover { transform: translateY(-2px); background: var(--blue-800); }
.form-call svg { width: 16px; }
.hero-form small { display: block; margin: 12px 0 8px; color: #7890a3; font-size: 9px; line-height: 1.5; }
.trust-note { padding-top: 9px; border-top: 1px solid var(--line); color: #3f718d; font-size: 10px; font-weight: 750; }
.hero-rail { position: relative; z-index: 3; overflow: hidden; background: var(--blue-900); color: #fff; }
.rail-marquee { overflow: hidden; width: 100%; }
.rail-marquee-track {
  width: max-content;
  display: flex;
  align-items: center;
  animation: railLoop 30s linear infinite;
}
.rail-marquee-track span {
  min-height: 58px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 0 32px;
  border-right: 1px solid rgba(255,255,255,.14);
  color: #fff;
  white-space: nowrap;
  font-size: 10px;
  font-weight: 760;
  letter-spacing: .02em;
}
.rail-marquee-track span::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: #78d3e7; }
.hero-rail:hover .rail-marquee-track { animation-play-state: paused; }
@keyframes railLoop { to { transform: translateX(-50%); } }

/* Shared sections */
.home-intro,
.editorial,
.service-mosaic,
.image-story,
.numbers-section,
.process-collage,
.faq-section,
.manifesto,
.orbit-section,
.steps-section,
.timeline,
.contact-options,
.prep-board,
.legal-section,
.thank-panel { padding: var(--section-space) 0; }

.intro-grid,
.editorial-grid,
.process-grid,
.prep-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: 64px; align-items: center; }
.intro-stack,
.editorial-photo,
.process-photo,
.prep-image { position: relative; }
.intro-stack img,
.editorial-photo img,
.process-photo img,
.prep-image img { width: 100%; height: 500px; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow-sm); }
.intro-quote {
  position: absolute;
  right: -24px;
  bottom: 28px;
  width: 230px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  box-shadow: var(--shadow-md);
}
.intro-quote span { display: block; margin-bottom: 7px; color: var(--cyan-500); font-size: 9px; font-weight: 850; letter-spacing: .14em; text-transform: uppercase; }
.intro-quote strong { font-size: 14px; line-height: 1.35; }
.photo-tag,
.floating-chip { position: absolute; z-index: 2; display: inline-flex; align-items: center; gap: 7px; padding: 9px 12px; border: 1px solid rgba(255,255,255,.8); border-radius: var(--radius-pill); background: rgba(255,255,255,.94); box-shadow: var(--shadow-sm); color: var(--blue-900); font-size: 10px; font-weight: 800; }
.photo-tag { left: 18px; bottom: 18px; }
.floating-chip { left: 20px; bottom: 20px; }

.mini-points { display: grid; gap: 0; margin-top: 24px; border-top: 1px solid var(--line); }
.mini-points > div { position: relative; display: grid; grid-template-columns: 34px 1fr; gap: 12px; padding: 16px 0; border-bottom: 1px solid var(--line); transition: transform .3s var(--ease), border-color .3s ease; }
.mini-points > div:hover { transform: translateX(5px); border-color: #9fc8dd; }
.mini-points span { color: var(--cyan-500); font-size: 13px; font-weight: 850; }
.mini-points h3 { grid-column: 2; margin: 0; font-size: 15px; }
.mini-points p { grid-column: 2; margin: -5px 0 0; color: var(--muted); font-size: 12px; line-height: 1.55; }

.service-mosaic { background: var(--surface-soft); }
.mosaic-title,
.orbit-head { display: flex; align-items: end; justify-content: space-between; gap: 28px; margin-bottom: 34px; }
.mosaic-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.feature-card {
  position: relative;
  min-height: 286px;
  display: flex;
  flex-direction: column;
  padding: 24px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  transition: transform .35s var(--ease), border-color .35s ease, box-shadow .35s var(--ease), background .35s ease, color .35s ease;
}
.feature-card::before {
  content: "";
  position: absolute;
  inset: auto -60px -72px auto;
  width: 150px;
  aspect-ratio: 1;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(29,168,200,.16), transparent 68%);
  transition: transform .45s var(--ease), opacity .35s ease;
}
.feature-card:hover { transform: translateY(-6px); border-color: var(--blue-800); background: var(--blue-900); color: #fff; box-shadow: 0 22px 50px rgba(6,43,74,.18); }
.feature-card:hover::before { transform: scale(1.55); opacity: .55; }
.feature-icon { width: 44px; height: 44px; display: grid; place-items: center; margin-bottom: 20px; border-radius: 12px; background: linear-gradient(145deg, var(--blue-900), var(--blue-700)); color: #fff; box-shadow: 0 9px 18px rgba(7,59,102,.17); transition: background .3s ease, color .3s ease, transform .3s var(--ease); }
.feature-icon svg { width: 19px; height: 19px; }
.feature-card:hover .feature-icon { background: #fff; color: var(--blue-900); transform: rotate(-4deg) scale(1.04); }
.feature-card h3 { font-size: 16px; }
.feature-card p { color: var(--muted); font-size: 12.5px; line-height: 1.62; transition: color .3s ease; }
.feature-card:hover h3, .feature-card:hover p { color: #fff; }
.feature-card > a.card-call-btn { position: relative; z-index: 2; width: 100%; min-height: 40px; margin-top: auto; padding: 0 14px; display: inline-flex; align-items: center; justify-content: center; border-radius: var(--radius-pill); background: var(--surface-blue); color: var(--blue-950); font-size: 10.5px; font-weight: 850; transition: background .3s ease, color .3s ease, transform .3s var(--ease); }
.feature-card:hover > a.card-call-btn { background: #fff; color: var(--blue-950); transform: translateY(-2px); }

.statement-section { position: relative; min-height: 560px; overflow: hidden; background: var(--blue-900); color: #fff; }
.statement-image { position: absolute; inset: 0 0 0 auto; width: 47%; background-size: cover; background-position: center; }
.statement-image::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--blue-900) 0%, rgba(7,59,102,.35) 40%, rgba(7,59,102,.02) 100%); }
.statement-grid { position: relative; z-index: 2; min-height: 560px; display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: stretch; padding: 76px 0; }
.statement-copy, .statement-points { height: 100%; display: flex; flex-direction: column; justify-content: center; }
.statement-grid h2,
.statement-grid h3 { color: #fff; }
.statement-grid h2 { max-width: 430px; }
.statement-copy p { max-width: 470px; margin: 0 0 22px; color: #c8d9e6; font-size: 13px; line-height: 1.7; }
.statement-call { align-self: flex-start; }
.statement-points { max-width: 520px; display: grid; gap: 12px; }
.statement-points article { display: grid; grid-template-columns: 32px 1fr; gap: 12px; padding: 15px 16px; border: 1px solid rgba(255,255,255,.12); border-radius: 13px; background: rgba(5,38,66,.42); backdrop-filter: blur(8px); }
.statement-points svg { width: 18px; color: #9bd9e8; }
.statement-points h3 { margin: 0 0 3px; font-size: 14px; }
.statement-points p { margin: 0; color: #c8d9e6; font-size: 11.5px; line-height: 1.5; }

.image-story { background: #fff; }
.story-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 56px; align-items: stretch; }
.story-copy { position: static; min-height: 430px; display: flex; flex-direction: column; justify-content: center; }
.story-notes { display: grid; gap: 10px; margin-top: 24px; }
.story-notes article { padding: 14px 0; border-top: 1px solid var(--line); }
.story-notes h3 { margin: 0 0 5px; font-size: 13px; }
.story-notes p { margin: 0; color: var(--muted); font-size: 11.5px; line-height: 1.55; }
.story-cards { min-height: 430px; display: flex; gap: 16px; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding: 3px 2px 18px; }
.story-cards::-webkit-scrollbar { display: none; }
.story-cards article { position: relative; flex: 0 0 min(74%, 390px); aspect-ratio: .92; overflow: hidden; border-radius: 18px; scroll-snap-align: start; background: var(--surface-blue); }
.story-cards img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.story-cards article:hover img { transform: scale(1.035); }
.story-cards span { position: absolute; left: 14px; bottom: 14px; padding: 8px 11px; border-radius: var(--radius-pill); background: rgba(255,255,255,.95); box-shadow: var(--shadow-sm); font-size: 10px; font-weight: 850; }
.slider-controls { display: flex; align-items: center; gap: 12px; margin-top: 14px; }
.slider-arrow { width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 50%; background: #fff; color: var(--blue-900); cursor: pointer; transition: .25s var(--ease); }
.slider-arrow:hover { transform: translateY(-2px); background: var(--blue-900); color: #fff; }
.slider-progress { height: 3px; flex: 1; overflow: hidden; border-radius: var(--radius-pill); background: #d9e5ee; }
.slider-progress span { display: block; width: 25%; height: 100%; transform-origin: left; background: var(--cyan-500); }

.numbers-section { background: var(--surface-blue); }
.numbers-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
.numbers-list { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.numbers-list article { min-height: 170px; display: grid; grid-template-columns: 64px 1fr; gap: 18px; align-items: start; padding: 22px; border: 1px solid #cbdce8; border-radius: 15px; background: rgba(255,255,255,.68); transition: transform .3s var(--ease), background .3s ease, box-shadow .3s var(--ease); }
.numbers-list article:hover { transform: translateY(-4px); background: #fff; box-shadow: var(--shadow-sm); }
.numbers-list strong { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 16px; background: var(--blue-900); color: #fff; font-size: 18px; line-height: 1; letter-spacing: -.04em; box-shadow: 0 10px 24px rgba(7,59,102,.15); }
.numbers-list h3 { margin: 2px 0 6px; font-size: 14px; }
.numbers-list p { margin: 0; color: var(--muted); font-size: 11.5px; line-height: 1.55; }

.process-collage { background: #fff; }
.process-grid { grid-template-columns: 1fr 1fr; align-items: stretch; }
.process-grid > div:last-child { display: flex; flex-direction: column; justify-content: center; }
.process-steps { margin: 24px 0 26px; padding: 0; list-style: none; display: grid; gap: 0; border-top: 1px solid var(--line); }
.process-steps li { display: grid; grid-template-columns: 44px 1fr; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--line); }
.process-steps > li > span { width: 32px; height: 32px; display: grid; place-items: center; margin-top: 1px; border-radius: 10px; background: var(--surface-blue); color: var(--blue-900); font-size: 10px; font-weight: 850; }
.process-steps h3 { margin: 0 0 4px; font-size: 14px; }
.process-steps p { margin: 0; color: var(--muted); font-size: 11.5px; line-height: 1.55; }
.check-stack { display: grid; gap: 9px; margin: 20px 0 24px; }
.check-stack > * { position: relative; padding-left: 24px; color: var(--text); font-size: 13px; }
.check-stack > *::before { content: "✓"; position: absolute; left: 0; color: var(--cyan-500); font-weight: 900; }

.faq-section { position: relative; background: linear-gradient(180deg, #f5f9fc 0%, #edf5fb 100%); }
.faq-section::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(circle at 15% 15%, rgba(29,168,200,.08), transparent 25%); }
.faq-section .section-head { position: relative; margin: 0 auto 32px; text-align: center; }
.faq-section .section-head .eyebrow { margin-inline: auto; }
.faq-list { position: relative; display: grid; gap: 11px; }
.faq-list > * { position: relative; overflow: hidden; border: 1px solid #cfe0ea; border-radius: 14px; background: rgba(255,255,255,.92); box-shadow: 0 8px 24px rgba(7,59,102,.045); transition: transform .28s var(--ease), border-color .28s ease, box-shadow .28s var(--ease); }
.faq-list > *::before { content: attr(data-faq-number); position: absolute; left: 18px; top: 17px; color: var(--cyan-500); font-size: 9px; font-weight: 900; letter-spacing: .08em; }
.faq-list > *:hover, .faq-list > *[open] { transform: translateY(-2px); border-color: #a9cddd; box-shadow: var(--shadow-sm); }
.faq-list button,
.faq-list summary { width: 100%; min-height: 58px; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 16px 18px 16px 54px; border: 0; background: transparent; color: var(--ink); text-align: left; font-size: 12.5px; font-weight: 800; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { width: 28px; height: 28px; flex: none; display: grid; place-items: center; border-radius: 50%; background: var(--surface-blue); color: var(--blue-900); transition: transform .3s var(--ease), background .3s ease, color .3s ease; }
.faq-list details[open] summary span { transform: rotate(45deg); background: var(--blue-900); color: #fff; }
.faq-list p { padding: 0 54px 18px; color: var(--muted); font-size: 12px; line-height: 1.68; }

.closing-cta { position: relative; overflow: hidden; background: linear-gradient(135deg, var(--blue-950), var(--blue-800)); color: #fff; }
.closing-cta > .shell { min-height: 210px; display: flex; align-items: center; justify-content: space-between; gap: 48px; padding-top: 42px; padding-bottom: 42px; }
.closing-cta h2 { max-width: 650px; margin-bottom: 8px; color: #fff; }
.closing-cta p { max-width: 620px; color: #c7dbe8; font-size: 13px; }
.closing-cta::after { content: ""; position: absolute; right: -70px; top: -90px; width: 290px; aspect-ratio: 1; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; }
.closing-cta-premium > .shell::after { content: ""; position: absolute; right: 120px; bottom: -95px; width: 210px; height: 210px; border-radius: 50%; background: rgba(29,168,200,.13); filter: blur(2px); }
.closing-cta-premium > .shell { position: relative; z-index: 1; }
.closing-cta-premium > .shell > a { position: relative; z-index: 2; }

/* Inner sections */
.manifesto { background: #fff; }
.manifesto-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 78px; }
.manifesto-lines { display: grid; border-top: 1px solid var(--line); }
.manifesto-lines article { display: grid; grid-template-columns: 42px 1fr; gap: 14px; padding: 19px 0; border-bottom: 1px solid var(--line); }
.manifesto-lines span { color: var(--cyan-500); font-size: 12px; font-weight: 850; }
.manifesto-lines h3 { grid-column: 2; margin: 0; font-size: 15px; }
.manifesto-lines p { grid-column: 2; margin: -5px 0 0; color: var(--muted); font-size: 12px; }

.split-soft { background: var(--surface-soft); }
.orbit-section { background: #fff; }
.orbit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.orbit-grid .feature-card { min-height: 250px; }
.photo-band { min-height: 520px; display: grid; grid-template-columns: 1fr 1fr; background: var(--blue-900); color: #fff; }
.band-photo { min-height: 520px; background-size: cover; background-position: center; }
.band-copy { width: min(calc(100% - 70px), 560px); display: flex; justify-content: center; flex-direction: column; padding: 60px; }
.band-copy h2 { color: #fff; }
.band-copy p { color: #c8d9e6; font-size: 14px; }
.steps-section { background: #fff; }
.steps-intro { margin-bottom: 30px; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.steps-grid article { min-height: 240px; padding: 26px; border: 1px solid var(--line); border-radius: 15px; background: #fff; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.steps-grid article:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); }
.steps-grid span { display: block; margin-bottom: 44px; color: var(--cyan-500); font-size: 12px; font-weight: 850; }
.steps-grid p { color: var(--muted); font-size: 12px; line-height: 1.6; }
.timeline { background: #fff; }
.timeline-grid { display: grid; margin-top: 35px; border-top: 1px solid var(--line); }
.timeline-grid article { display: grid; grid-template-columns: 100px 1fr; gap: 26px; padding: 24px 0; border-bottom: 1px solid var(--line); }
.timeline-grid span { color: #b7cfdf; font-size: 38px; font-weight: 800; line-height: 1; letter-spacing: -.06em; }
.timeline-grid h3 { margin-bottom: 6px; font-size: 20px; }
.contact-options { background: #fff; }
.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 32px; }
.prep-board { background: var(--surface-blue); }
.prep-grid ol { margin: 20px 0 0; padding: 0; list-style: none; border-top: 1px solid #cbdce8; }
.prep-grid li { display: flex; align-items: center; gap: 14px; padding: 14px 0; border-bottom: 1px solid #cbdce8; color: var(--text); font-size: 13px; }
.prep-grid li span { width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; background: var(--blue-900); color: #fff; font-size: 10px; font-weight: 850; }

.legal-section { background: #fff; }
.legal-grid { display: grid; grid-template-columns: 260px 1fr; gap: 64px; }
.legal-grid aside { position: sticky; top: 105px; align-self: start; }
.legal-copy { max-width: 760px; }
.legal-copy h2 { font-size: 28px; }
.legal-copy h3 { margin: 28px 0 8px; font-size: 17px; }
.legal-copy p,
.legal-copy li { color: var(--text); font-size: 13px; line-height: 1.75; }

.thank-panel { background: var(--surface-soft); }
.thank-card { max-width: 720px; margin: auto; padding: 48px; border: 1px solid var(--line); border-radius: 22px; background: #fff; text-align: center; box-shadow: var(--shadow-md); }
.thank-card > span { min-width: 58px; height: 58px; display: inline-grid; place-items: center; padding: 0 14px; border-radius: 16px; background: var(--cyan-100); color: var(--blue-900); font-size: 20px; font-weight: 850; }
.thank-card h2 { margin-top: 18px; }

/* Footer */
.site-footer { padding: 58px 0 24px; background: #062b4a; color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, .75fr); gap: 48px; }
.brand--light .brand-logo { filter: none; }
.footer-grid p { max-width: 390px; margin-top: 18px; color: #afc6d6; font-size: 11px; line-height: 1.65; }
.footer-grid > div:not(:first-child) { display: flex; flex-direction: column; gap: 8px; font-size: 11px; }
.footer-grid strong { margin-bottom: 8px; color: #fff; font-size: 11px; }
.footer-grid a { color: #c8d9e6; transition: color .2s ease, transform .2s ease; }
.footer-grid a:hover { color: #fff; transform: translateX(2px); }
.footer-bottom { margin-top: 38px; padding-top: 20px; display: flex; justify-content: space-between; gap: 28px; align-items: flex-end; border-top: 1px solid rgba(255,255,255,.1); }
.footer-bottom p { max-width: 820px; margin: 0; color: #88a8bd; font-size: 9px; }
.footer-bottom span { color: #88a8bd; font-size: 9px; white-space: nowrap; }
.mobile-call { display: none; }
.page-transition { display: none !important; }

/* Motion enhancements: content remains visible without JS */
.motion-ready [data-reveal-item] { will-change: transform, opacity; }
.card-glow { pointer-events: none; position: absolute; inset: 0; opacity: 0; background: linear-gradient(120deg, transparent 20%, rgba(255,255,255,.5) 48%, transparent 72%); transform: translateX(-100%); }

@media (max-width: 1024px) {
  :root { --section-space: 74px; }
  .desktop-nav { display: none; }
  .menu-toggle { display: flex; }
  .header-grid { grid-template-columns: auto 1fr auto; }
  .header-actions { justify-content: end; }
  .mobile-panel {
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px;
    padding: 18px 24px 24px;
    border-top: 1px solid var(--line);
    background: #fff;
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: .25s var(--ease);
  }
  .site-header.menu-open .mobile-panel { opacity: 1; visibility: visible; transform: translateY(0); }
  .mobile-panel a { padding: 10px 11px; border-radius: 9px; font-size: 12px; font-weight: 720; }
  .mobile-panel a:hover { background: var(--surface-blue); }
  .page-hero-grid { grid-template-columns: minmax(0, 1fr) 330px; gap: 34px; }
  .hero-image { width: 54%; }
  .mosaic-grid, .contact-grid { grid-template-columns: repeat(2, 1fr); }
  .orbit-grid { grid-template-columns: repeat(2, 1fr); }
  .story-grid { grid-template-columns: 1fr; }
  .story-copy { position: static; }
  .numbers-grid { grid-template-columns: 1fr; gap: 38px; }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 2 / 4; }
}

@media (max-width: 760px) {
  :root { --section-space: 58px; }
  body { padding-bottom: 74px; }
  .shell, .narrow { width: min(calc(100% - 30px), var(--shell)); }
  h1 { font-size: clamp(2.05rem, 9.2vw, 2.75rem); line-height: 1.03; }
  h2 { font-size: clamp(1.62rem, 7.2vw, 2rem); line-height: 1.1; }
  .site-header { height: 68px; }
  .header-grid { height: 68px; gap: 10px; }
  .brand-logo { width: 136px; max-height: 34px; }
  .call-pill { width: 42px; height: 42px; min-height: 42px; padding: 0; justify-content: center; }
  .call-pill span { display: none; }
  .mobile-panel { top: 68px; grid-template-columns: 1fr; }
  .page-hero { min-height: auto; background: var(--surface-soft); }
  .hero-image { position: relative; width: 100%; height: 290px; order: 2; background-position: center; }
  .hero-image::before { background: linear-gradient(180deg, rgba(244,248,251,.08), rgba(6,43,74,.12)); }
  .page-hero-grid { min-height: auto; display: flex; flex-direction: column; gap: 0; padding-bottom: 24px; }
  .hero-copy { width: 100%; padding: 46px 0 24px; }
  .hero-copy p { font-size: 14px; }
  .hero-actions { margin-top: 23px; gap: 13px; }
  .hero-form { width: 100%; margin-top: 10px; padding: 22px; }
  .hero-form h2 { font-size: 21px; }
  .rail-marquee-track span { min-height: 52px; padding: 0 22px; font-size: 9px; }
  .intro-grid, .editorial-grid, .process-grid, .prep-grid, .manifesto-grid, .legal-grid { grid-template-columns: 1fr; gap: 34px; }
  .intro-stack img, .editorial-photo img, .process-photo img, .prep-image img { height: 390px; }
  .intro-quote { right: 12px; bottom: 12px; width: 205px; }
  .mosaic-title, .orbit-head { align-items: flex-start; flex-direction: column; margin-bottom: 26px; }
  .mosaic-grid, .contact-grid, .orbit-grid, .steps-grid { grid-template-columns: 1fr; }
  .feature-card { min-height: 268px; }
  .statement-section { min-height: auto; }
  .statement-image { width: 100%; opacity: .2; }
  .statement-image::before { background: linear-gradient(0deg, var(--blue-900), rgba(7,59,102,.32)); }
  .statement-grid { grid-template-columns: 1fr; gap: 30px; padding: 60px 0; }
  .story-copy { min-height: 0; }
  .story-cards { min-height: 360px; }
  .story-cards article { flex-basis: 84%; }
  .numbers-list { grid-template-columns: 1fr; }
  .numbers-list article { grid-template-columns: 58px 1fr; min-height: 0; }
  .numbers-list strong { width: 50px; height: 50px; font-size: 16px; }
  .photo-band { grid-template-columns: 1fr; min-height: auto; }
  .band-photo { min-height: 320px; }
  .band-copy { width: 100%; padding: 50px 24px; }
  .timeline-grid article { grid-template-columns: 64px 1fr; gap: 16px; }
  .timeline-grid span { font-size: 30px; }
  .closing-cta > .shell { min-height: 0; align-items: flex-start; flex-direction: column; gap: 24px; padding-top: 38px; padding-bottom: 38px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { align-items: flex-start; flex-direction: column; }
  .legal-grid aside { position: static; }
  .thank-card { padding: 34px 20px; }
  .mobile-call {
    position: fixed;
    left: 12px;
    right: 12px;
    bottom: 12px;
    z-index: 1100;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    border-radius: var(--radius-pill);
    background: var(--blue-950);
    color: #fff;
    box-shadow: 0 15px 40px rgba(0,0,0,.23);
    font-size: 12px;
    font-weight: 850;
  }
  .mobile-call svg { width: 17px; }
}

@media (max-width: 480px) {
  .brand-logo { width: 126px; }
  .rail-marquee-track span { font-size: 8.5px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > div:first-child, .footer-grid > div:last-child { grid-column: auto; }
}

@media (prefers-reduced-motion: reduce) {
  .rail-marquee-track { animation: none !important; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
}


/* V10 polish updates */
h1 { max-width: 14ch; font-size: clamp(2.05rem, 3.2vw, 3.15rem); line-height: 1.02; }
h2 { max-width: 18ch; font-size: clamp(1.7rem, 2.35vw, 2.2rem); line-height: 1.08; }
.section-head--center { text-align: center; margin-inline: auto; }
.section-head--center h2,
.section-head--center p,
.section-head--center .eyebrow { margin-inline: auto; }
.eyebrow,
.form-eyebrow { gap: 10px; padding: 8px 12px; background: linear-gradient(180deg, rgba(236,247,252,.98), rgba(223,244,248,.72)); box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.page-hero { min-height: 620px; padding-bottom: 58px; }
.page-hero-grid { min-height: 560px; }
.hero-copy { padding: 54px 0 46px; }
.hero-copy p { max-width: 52ch; font-size: 14px; }
.hero-form { transform: translateY(-6px); }
.hero-rail { position: absolute; left: 0; right: 0; bottom: 0; z-index: 5; box-shadow: 0 -1px 0 rgba(255,255,255,.06) inset; }
.rail-marquee-track { animation-duration: 36s; }
.rail-marquee-track span { min-height: 58px; padding: 0 26px; font-size: 10.5px; }
.mosaic-title { margin-bottom: 18px; }
.feature-card { min-height: 304px; }
.feature-card p { margin-bottom: 16px; font-size: 12px; line-height: 1.6; }
.statement-grid { gap: 54px; align-items: center; }
.statement-copy { padding-right: 10px; }
.statement-points { align-content: center; }
.statement-points article { min-height: 124px; align-items: start; grid-template-columns: 48px 1fr; gap: 14px; padding: 18px 18px 16px; transition: transform .3s var(--ease), background .3s ease, border-color .3s ease, box-shadow .3s ease; }
.statement-points article:hover { transform: translateY(-4px); background: rgba(10,59,102,.64); border-color: rgba(157,217,233,.42); box-shadow: 0 18px 40px rgba(1,22,42,.24); }
.statement-points svg { width: 24px; height: 24px; padding: 11px; border-radius: 14px; background: rgba(255,255,255,.08); color: #8fe4ef; }
.statement-points h3 { margin: 0 0 5px; font-size: 14px; }
.statement-points p { margin: 0; font-size: 11.8px; line-height: 1.6; }
.statement-points small { display: block; margin-top: 9px; color: #99bfd4; font-size: 10px; font-weight: 700; }
.story-grid { align-items: center; }
.story-copy { min-height: 490px; }
.story-notes article:last-child { border-bottom: 1px solid var(--line); padding-bottom: 16px; }
.slider-controls { margin-top: 18px; }
.mid-band { position: relative; overflow: hidden; background: linear-gradient(135deg, var(--blue-950), var(--blue-800)); color: #fff; }
.mid-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 10% 15%, rgba(29,168,200,.14), transparent 28%), radial-gradient(circle at 84% 70%, rgba(255,255,255,.08), transparent 24%); }
.mid-band .shell { position: relative; z-index: 1; padding-top: 76px; padding-bottom: 76px; }
.mid-band-grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: 42px; align-items: center; }
.mid-band h2, .mid-band h3 { color: #fff; }
.mid-band p { color: #c9ddea; }
.mid-band-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.mid-band-cards article { min-height: 178px; padding: 22px; border: 1px solid rgba(255,255,255,.12); border-radius: 18px; background: rgba(255,255,255,.08); backdrop-filter: blur(10px); display: flex; flex-direction: column; }
.mid-band-cards strong { width: 44px; height: 44px; display: grid; place-items: center; margin-bottom: 18px; border-radius: 14px; background: rgba(255,255,255,.14); color: #8fe4ef; font-size: 13px; font-weight: 900; }
.mid-band-cards p { margin: 0; font-size: 12px; line-height: 1.6; }
.mid-band-cards a { margin-top: auto; padding-top: 14px; color: #8fe4ef; font-size: 11px; font-weight: 800; }
.numbers-grid { align-items: stretch; }
.numbers-list { align-content: stretch; }
.numbers-list article { min-height: 194px; height: 100%; align-items: stretch; }
.numbers-list article > div { display: flex; flex-direction: column; height: 100%; }
.numbers-list p { margin-bottom: 14px; }
.number-call-btn { width: fit-content; min-height: 36px; margin-top: auto; padding: 0 14px; display: inline-flex; align-items: center; justify-content: center; border-radius: var(--radius-pill); background: var(--blue-950); color: #fff; font-size: 10.5px; font-weight: 850; transition: transform .25s var(--ease), background .25s ease; }
.number-call-btn:hover { transform: translateY(-2px); background: var(--blue-800); }
.process-grid { align-items: stretch; }
.process-grid > div:last-child { height: 100%; }
.process-photo img { height: 100%; min-height: 520px; }
.process-photo .floating-chip { display: none; }
.process-steps { margin: 20px 0 24px; }
.process-steps li { align-items: start; min-height: 82px; }
.process-steps li > div { display: flex; flex-direction: column; justify-content: center; min-height: 100%; }
.process-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.process-actions .text-link { font-size: 12px; }
.faq-premium .section-head { text-align: center; margin-inline: auto; }
.faq-premium .section-head h2, .faq-premium .section-head p, .faq-premium .section-head .eyebrow { margin-inline: auto; }
.faq-list { max-width: 860px; margin-inline: auto; }
.faq-list details:first-child { border-color: #9dc9de; box-shadow: 0 10px 28px rgba(7,59,102,.08); }
.faq-list summary { min-height: 62px; font-size: 13px; }
.closing-cta > .shell { min-height: 228px; }
.closing-cta > .shell > a { display: inline-flex; align-items: center; gap: 10px; min-height: 50px; padding: 0 22px; border-radius: var(--radius-pill); background: #fff; color: var(--blue-950); font-size: 13px; font-weight: 850; box-shadow: var(--shadow-sm); transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.closing-cta > .shell > a:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.closing-cta > .shell > a svg { width: 17px; height: 17px; }
.site-footer .brand-logo { width: 158px; height: auto; }

@media (max-width: 1100px) {
  .mid-band-grid { grid-template-columns: 1fr; }
  .mid-band-cards { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 920px) {
  .page-hero { padding-bottom: 54px; }
  .hero-rail { position: relative; }
  .statement-points article { min-height: auto; }
  .mid-band-cards { grid-template-columns: 1fr; }
  .numbers-list { grid-template-columns: 1fr; }
  .process-actions { justify-content: flex-start; }
}
@media (max-width: 720px) {
  h1 { font-size: clamp(1.9rem, 8.5vw, 2.65rem); max-width: 12ch; }
  h2 { font-size: clamp(1.55rem, 6.4vw, 1.95rem); }
  .hero-copy { padding-bottom: 22px; }
  .rail-marquee-track span { min-height: 52px; padding: 0 20px; }
  .feature-card { min-height: 286px; }
  .process-photo img { min-height: 340px; }
}


/* V11 targeted refinements */
.statement-copy { height: 100%; }
.statement-details { display: grid; gap: 10px; margin: 22px 0 20px; }
.statement-details > div { display: grid; grid-template-columns: 112px 1fr; gap: 14px; padding: 11px 0; border-top: 1px solid rgba(255,255,255,.12); }
.statement-details > div:last-child { border-bottom: 1px solid rgba(255,255,255,.12); }
.statement-details strong { color: #fff; font-size: 11px; }
.statement-details span { color: #afc9da; font-size: 10.5px; line-height: 1.55; }
.statement-points { grid-template-rows: repeat(3, 1fr); }
.statement-points article { height: 100%; }
.statement-points svg { width: 44px; height: 44px; padding: 10px; box-sizing: border-box; flex: none; }
.statement-points article:hover svg { transform: translateY(-2px) rotate(-4deg) scale(1.06); background: rgba(143,228,239,.18); color: #fff; }
.statement-points svg { transition: transform .32s var(--ease), background .32s ease, color .32s ease; }

.mid-action-card { position: relative; overflow: hidden; transition: transform .35s var(--ease), background .35s ease, border-color .35s ease, box-shadow .35s var(--ease); }
.mid-action-card::after { content:""; position:absolute; right:-52px; bottom:-60px; width:130px; height:130px; border-radius:50%; background:rgba(117,218,235,.10); transition: transform .45s var(--ease); }
.mid-action-card:hover { transform: translateY(-8px); background: rgba(255,255,255,.14); border-color: rgba(143,228,239,.42); box-shadow: 0 20px 46px rgba(0,20,39,.22); }
.mid-action-card:hover::after { transform: scale(1.45); }
.mid-action-card:hover strong { transform: rotate(-5deg) scale(1.07); background:#fff; color:var(--blue-900); }
.mid-action-card strong { transition: transform .32s var(--ease), background .32s ease, color .32s ease; }
.mid-card-call { position:relative; z-index:2; width:100%; min-height:38px; margin-top:auto !important; padding:0 12px !important; display:inline-flex; align-items:center; justify-content:center; border-radius:var(--radius-pill); background:#fff; color:var(--blue-950) !important; font-size:10.5px !important; font-weight:850 !important; }

.numbers-grid { align-items: stretch; }
.numbers-intro { height:100%; display:flex; flex-direction:column; justify-content:center; }
.numbers-intro p { max-width: 42ch; font-size:12.5px; }
.numbers-intro .btn { align-self:flex-start; margin-top:8px; }
.numbers-list { grid-auto-rows: 1fr; }
.numbers-list article { min-height: 224px; height:100%; }
.numbers-list article > div { height:100%; }
.numbers-list p { font-size:11.8px; line-height:1.64; }
.number-call-btn { margin-top:auto; }

/* About page rebuild */
.about-story { padding: var(--section-space) 0; background:#fff; }
.about-story-grid { display:grid; grid-template-columns: 1.02fr .98fr; gap:68px; align-items:stretch; }
.about-story-copy { display:flex; flex-direction:column; justify-content:center; }
.about-story-copy > p { max-width:56ch; }
.about-principles { display:grid; margin-top:26px; border-top:1px solid var(--line); }
.about-principles article { display:grid; grid-template-columns:48px 1fr; gap:16px; padding:17px 0; border-bottom:1px solid var(--line); }
.about-principles strong { color:var(--cyan-500); font-size:11px; }
.about-principles h3 { margin:0 0 4px; font-size:14px; }
.about-principles p { margin:0; font-size:11.8px; color:var(--muted); line-height:1.6; }
.about-photo-stack { position:relative; min-height:560px; }
.about-photo-stack img { width:100%; height:100%; min-height:560px; object-fit:cover; border-radius:22px; box-shadow:var(--shadow-sm); }
.about-photo-note { position:absolute; left:-36px; bottom:28px; width:250px; padding:20px; border:1px solid var(--line); border-radius:16px; background:#fff; box-shadow:var(--shadow-md); }
.about-photo-note span { display:block; color:var(--cyan-500); font-size:9px; font-weight:850; text-transform:uppercase; letter-spacing:.12em; }
.about-photo-note strong { display:block; margin:6px 0; font-size:15px; line-height:1.3; }
.about-photo-note p { margin:0; font-size:11px; line-height:1.5; }
.about-slider-section { padding:var(--section-space) 0; background:var(--surface-blue); }
.about-slider-head { display:grid; grid-template-columns:1fr .8fr; gap:44px; align-items:end; margin-bottom:30px; }
.about-slider-head > p { margin:0 0 10px; }
.about-slider { display:flex; gap:16px; overflow-x:auto; scroll-snap-type:x mandatory; scrollbar-width:none; padding:4px 2px 14px; }
.about-slider::-webkit-scrollbar { display:none; }
.about-slider article { position:relative; flex:0 0 min(54%, 570px); overflow:hidden; border:1px solid #d7e5ee; border-radius:18px; background:#fff; scroll-snap-align:start; box-shadow:0 12px 30px rgba(7,59,102,.06); }
.about-slider article > span { position:absolute; z-index:2; top:14px; left:14px; width:38px; height:38px; display:grid; place-items:center; border-radius:12px; background:var(--blue-900); color:#fff; font-size:11px; font-weight:900; }
.about-slider img { width:100%; height:300px; object-fit:cover; }
.about-slider article > div { padding:20px; }
.about-slider h3 { font-size:16px; margin-bottom:6px; }
.about-slider p { margin:0; font-size:12px; }
.about-dark { padding:var(--section-space) 0; background:var(--blue-950); color:#fff; }
.about-dark-grid { display:grid; grid-template-columns:.8fr 1.2fr; gap:60px; align-items:center; }
.about-dark h2, .about-dark h3 { color:#fff; }
.about-dark p { color:#bcd1df; }
.about-dark-cards { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.about-dark-cards article { min-height:190px; padding:22px; border:1px solid rgba(255,255,255,.1); border-radius:17px; background:rgba(255,255,255,.055); transition:transform .3s var(--ease), background .3s ease; }
.about-dark-cards article:hover { transform:translateY(-5px); background:rgba(255,255,255,.09); }
.about-dark-cards span { display:block; margin-bottom:24px; color:#7fd8e8; font-size:11px; font-weight:900; }
.about-dark-cards h3 { font-size:14px; }
.about-dark-cards p { margin:0; font-size:11.5px; line-height:1.58; }

@media (max-width: 920px) {
 .statement-details > div { grid-template-columns:1fr; gap:3px; }
 .statement-points { grid-template-rows:auto; }
 .about-story-grid,.about-dark-grid,.about-slider-head { grid-template-columns:1fr; }
 .about-photo-note { left:18px; }
 .about-dark-cards { grid-template-columns:1fr 1fr; }
 .about-slider article { flex-basis:80%; }
}
@media (max-width: 640px) {
 .about-dark-cards { grid-template-columns:1fr; }
 .about-slider article { flex-basis:92%; }
 .about-photo-stack,.about-photo-stack img { min-height:420px; }
 .about-photo-note { position:relative; left:auto; bottom:auto; width:calc(100% - 24px); margin:-50px auto 0; }
}


/* V12 About + Insurance refinements */
.nav-cluster > .nav-insurance-link { display: inline-flex; align-items: center; gap: 5px; line-height: 1; }
.insurance-nav-label { display: inline-flex; align-items: center; line-height: 1; }
.insurance-nav-chevron { width: 14px; height: 14px; flex: none; transform: translateY(1px); transition: transform .22s var(--ease); }
.nav-cluster:hover .insurance-nav-chevron { transform: translateY(1px) rotate(180deg); }
.mega-menu { width: 660px; grid-template-columns: .85fr 1.15fr; gap: 22px; padding: 18px; border-radius: 18px; box-shadow: 0 24px 70px rgba(6,43,74,.16); }
.mega-intro { padding: 18px; border-radius: 14px; background: linear-gradient(145deg, var(--blue-950), var(--blue-800)); color: #fff; }
.mega-intro strong { color: #fff; font-size: 17px; line-height: 1.2; }
.mega-intro p { color: #c9ddea; font-size: 11px; }
.mega-overview-link { display: inline-flex; margin-top: 14px; color: #8fe4ef; font-size: 11px; font-weight: 850; }
.mega-links { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; align-content: start; }
.mega-links a { min-height: 70px; display: grid; grid-template-columns: 34px 1fr; gap: 10px; align-items: center; padding: 10px; border: 1px solid transparent; border-radius: 12px; }
.mega-links a:hover { border-color: var(--line); background: var(--surface-blue); transform: translateY(-1px); }
.mega-links a strong { margin: 0 0 2px; color: var(--ink); font-size: 12px; }
.mega-links a small { display: block; color: var(--muted); font-size: 9px; line-height: 1.35; }
.mega-icon { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 10px; background: var(--blue-900); color: #fff; font-size: 9px; font-weight: 900; }
.hero-rail .rail-marquee-track { animation-duration: 38s; }

.about-story-grid .about-photo-stack img { object-position: center 44%; }
.about-slider { overscroll-behavior-inline: contain; scroll-behavior: smooth; cursor: grab; }
.about-slider:active { cursor: grabbing; }
.about-slider-controls .slider-progress span { min-width: 10%; }
.about-dark-grid > div:first-child p { margin-bottom: 28px; }
.about-dark-cards article { min-height: 172px; padding-bottom: 18px; }
.about-dark-cards article p { margin-bottom: 0; }
.about-proof { padding: var(--section-space) 0; background: #fff; }
.about-proof-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 54px; align-items: center; }
.about-proof-copy p { max-width: 520px; margin-bottom: 24px; }
.about-proof-grid-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.about-proof-grid-cards article { min-height: 220px; display: flex; flex-direction: column; padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: var(--surface-soft); transition: transform .3s var(--ease), background .3s ease, box-shadow .3s var(--ease); }
.about-proof-grid-cards article:hover { transform: translateY(-5px); background: #fff; box-shadow: var(--shadow-sm); }
.about-proof-grid-cards strong { color: var(--cyan-500); font-size: 11px; }
.about-proof-grid-cards h3 { margin-top: 18px; }
.about-proof-grid-cards p { margin: auto 0 0; font-size: 11.5px; line-height: 1.58; }

.insurance-overview,.insurance-topic-grid-section,.insurance-process { padding: var(--section-space) 0; }
.insurance-overview-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 58px; align-items: center; }
.insurance-overview-grid p { max-width: 560px; }
.insurance-checks { display: grid; gap: 10px; margin: 22px 0 24px; color: var(--text); font-size: 12px; }
.insurance-overview-photo { position: relative; }
.insurance-overview-photo img { width: 100%; height: 480px; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow-sm); }
.insurance-photo-note { position: absolute; left: 22px; bottom: 22px; max-width: 240px; padding: 16px; border-radius: 14px; background: rgba(255,255,255,.94); box-shadow: var(--shadow-sm); }
.insurance-photo-note span { display:block; color:var(--cyan-500); font-size:9px; font-weight:850; text-transform:uppercase; letter-spacing:.12em; }
.insurance-photo-note strong { display:block; margin-top:4px; font-size:14px; }
.insurance-topic-grid-section { background: var(--surface-blue); }
.insurance-topic-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin-top:28px; }
.insurance-topic-card { min-height:250px; display:flex; flex-direction:column; padding:24px; border:1px solid #cddfea; border-radius:16px; background:#fff; transition:transform .3s var(--ease), background .3s ease, color .3s ease, box-shadow .3s var(--ease); }
.insurance-topic-card > span { width:38px; height:38px; display:grid; place-items:center; border-radius:11px; background:var(--surface-blue); color:var(--blue-900); font-size:10px; font-weight:900; }
.insurance-topic-card h3 { margin-top:22px; }
.insurance-topic-card p { font-size:12px; line-height:1.6; }
.insurance-topic-card b { margin-top:auto; color:var(--blue-800); font-size:11px; }
.insurance-topic-card:hover { transform:translateY(-5px); background:var(--blue-900); color:#fff; box-shadow:var(--shadow-md); }
.insurance-topic-card:hover h3,.insurance-topic-card:hover p,.insurance-topic-card:hover b { color:#fff; }
.insurance-topic-card:hover > span { background:#fff; color:var(--blue-900); }
.insurance-dark-map { padding:78px 0; background:linear-gradient(135deg,var(--blue-950),var(--blue-800)); color:#fff; }
.insurance-dark-grid { display:grid; grid-template-columns:.85fr 1.15fr; gap:52px; align-items:center; }
.insurance-dark-grid h2,.insurance-dark-grid h3 { color:#fff; }
.insurance-dark-grid p { color:#c9ddea; }
.insurance-dark-cards { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.insurance-dark-cards article { min-height:220px; padding:24px; border:1px solid rgba(255,255,255,.12); border-radius:17px; background:rgba(255,255,255,.07); }
.insurance-dark-cards strong { display:inline-flex; padding:6px 9px; border-radius:999px; background:rgba(255,255,255,.1); color:#8fe4ef; font-size:9px; text-transform:uppercase; letter-spacing:.12em; }
.insurance-dark-cards h3 { margin-top:24px; }
.insurance-process .section-head { margin-bottom:30px; }
.insurance-process-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:12px; }
.insurance-process-grid article { min-height:205px; padding:22px; border:1px solid var(--line); border-radius:15px; background:var(--surface-soft); }
.insurance-process-grid span { color:var(--cyan-500); font-size:11px; font-weight:900; }
.insurance-process-grid h3 { margin-top:28px; }
.insurance-process-grid p { font-size:11.5px; line-height:1.58; }

@media (max-width: 980px){
 .mega-menu{width:620px}
 .about-proof-grid,.insurance-overview-grid,.insurance-dark-grid{grid-template-columns:1fr}
 .about-proof-grid-cards,.insurance-topic-grid{grid-template-columns:1fr 1fr}
 .insurance-process-grid{grid-template-columns:1fr 1fr}
}
@media (max-width: 720px){
 .about-proof-grid-cards,.insurance-topic-grid,.insurance-dark-cards,.insurance-process-grid{grid-template-columns:1fr}
 .insurance-overview-photo img{height:360px}
}


/* V13 professional refinements */
/* Title discipline: desktop headings stay compact and readable */
.page-hero h1 { max-width: 14ch; }
.section-head h2, section > .shell h2 { text-wrap: balance; }

/* Clean nav + visual mega menu */
.nav-cluster > .nav-insurance-link { display:inline-flex; align-items:center; gap:6px; line-height:1; }
.insurance-nav-chevron { width:13px; height:13px; flex:none; transform:none; }
.nav-cluster:hover .insurance-nav-chevron { transform:rotate(180deg); }
.mega-intro { display:flex; flex-direction:column; justify-content:center; padding:20px; border-radius:15px; background:linear-gradient(145deg,var(--blue-950),var(--blue-800)); color:#fff; }
.mega-intro .menu-kicker { color:#8fe4ef; }
.mega-intro strong { color:#fff; font-size:17px; line-height:1.2; }
.mega-intro p { color:#c7dbe8; font-size:11.5px; }
.mega-overview-link { margin-top:18px; color:#fff; font-size:11px; font-weight:850; }
.mega-links { display:grid; grid-template-columns:1fr 1fr; gap:8px; }
.mega-links a { min-height:68px; display:grid; grid-template-columns:42px 1fr; align-items:center; gap:10px; padding:10px 12px; border:1px solid #e1ebf2; border-radius:13px; background:#fff; transition:transform .25s var(--ease),background .25s ease,border-color .25s ease; }
.mega-links a:hover { transform:translateY(-2px); background:var(--surface-blue); border-color:#bcd9e8; }
.mega-icon { width:38px; height:38px; display:grid; place-items:center; border-radius:11px; background:linear-gradient(145deg,var(--blue-900),var(--blue-700)); color:#fff; }
.mega-icon svg { width:20px; height:20px; }
.mega-links a strong { margin:0 0 2px; color:var(--ink); font-size:12px; line-height:1.2; }
.mega-links a small { color:var(--muted); font-size:9.5px; line-height:1.3; }

/* About: completely new compass section, no reused card-grid composition */
/* Insurance topic cards */
.insurance-topic-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; }
.insurance-topic-card { min-height:342px; display:flex; flex-direction:column; padding:24px; border:1px solid var(--line); border-radius:17px; background:#fff; box-shadow:0 10px 30px rgba(7,59,102,.04); transition:transform .34s var(--ease),background .34s ease,border-color .34s ease,box-shadow .34s var(--ease),color .34s ease; }
.insurance-topic-card:hover { transform:translateY(-6px); background:var(--blue-900); border-color:var(--blue-900); color:#fff; box-shadow:0 24px 52px rgba(6,43,74,.18); }
.insurance-topic-icon { width:46px; height:46px; display:grid; place-items:center; margin-bottom:18px; border-radius:13px; background:linear-gradient(145deg,var(--blue-900),var(--blue-700)); color:#fff; box-shadow:0 10px 22px rgba(7,59,102,.15); transition:transform .34s var(--ease),background .34s ease,color .34s ease; }
.insurance-topic-card:hover .insurance-topic-icon { transform:rotate(-6deg) scale(1.07); background:#fff; color:var(--blue-900); }
.insurance-topic-icon svg { width:23px; height:23px; }
.insurance-topic-card h3 { margin:0 0 8px; font-size:15px; transition:color .34s ease; }
.insurance-topic-card p { margin:0 0 12px; min-height:calc(1.58em * 5); display:-webkit-box; -webkit-line-clamp:5; -webkit-box-orient:vertical; overflow:hidden; color:var(--muted); font-size:12px; line-height:1.58; transition:color .34s ease; }
.insurance-topic-card:hover h3,.insurance-topic-card:hover p { color:#fff; }
.insurance-topic-card .card-call-btn { margin-top:auto; min-height:38px; background:var(--surface-blue); color:var(--blue-950); }
.insurance-topic-card:hover .card-call-btn { background:#fff; color:var(--blue-950); }
.insurance-dark-grid { align-items:stretch; }
.insurance-dark-copy { display:flex; flex-direction:column; justify-content:center; padding-right:18px; }
.insurance-dark-copy p { margin-bottom:30px; }
.insurance-dark-copy .btn { align-self:flex-start; }
.insurance-dark-cards { align-self:stretch; display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.insurance-dark-cards article { height:100%; display:flex; flex-direction:column; justify-content:flex-start; padding:24px; }
.insurance-dark-card-head { display:flex; align-items:center; gap:12px; margin-bottom:14px; }
.insurance-dark-card-head strong { flex:none; margin:0; }
.insurance-dark-card-head h3 { margin:0; font-size:14px; }
.dark-card-call { margin-top:auto; padding-top:18px; color:#8fe4ef; font-size:11px; font-weight:850; }
.dark-card-call:hover { color:#fff; }

/* Scroll-led four-step process */

@media (max-width:980px){
 .mega-menu{width:640px}
 .insurance-topic-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
 .insurance-topic-grid{grid-template-columns:1fr}
 .compass-core{top:625px;width:130px;height:130px}
}


/* V14 unique About question board */
.about-question-board { padding:var(--section-space) 0; background:#fff; }
.about-question-board-grid { display:grid; grid-template-columns:.76fr 1.24fr; gap:70px; align-items:center; }
.question-board-intro p { max-width:46ch; margin-bottom:26px; }
.question-board { position:relative; padding:30px; border:1px solid #d7e6ef; border-radius:26px; background:linear-gradient(145deg,#f8fcff,#edf5fb); box-shadow:0 24px 70px rgba(7,59,102,.08); }
.question-board-lead { display:grid; grid-template-columns:110px 1fr; gap:8px 20px; padding:22px; margin-bottom:12px; border-radius:18px; background:var(--blue-950); color:#fff; }
.question-board-lead span { grid-row:1/3; align-self:center; color:#8fe4ef; font-size:10px; font-weight:900; letter-spacing:.12em; }
.question-board-lead strong { font-size:22px; line-height:1.1; }
.question-board-lead p { grid-column:2; margin:0; color:#c9ddea; font-size:11.5px; line-height:1.55; }
.question-board-row { display:grid; grid-template-columns:48px 1fr; gap:16px; align-items:center; padding:18px 6px; border-bottom:1px solid #d6e4ec; transition:transform .28s var(--ease),background .28s ease; }
.question-board-row:hover { transform:translateX(6px); background:rgba(255,255,255,.72); }
.question-board-number { width:42px; height:42px; display:grid; place-items:center; border-radius:13px; background:#fff; color:var(--blue-900); font-size:10px; font-weight:900; box-shadow:0 8px 18px rgba(7,59,102,.07); }
.question-board-row h3 { margin:0 0 4px; font-size:14px; }
.question-board-row p { margin:0; color:var(--muted); font-size:11.5px; line-height:1.55; }
.question-board-action { display:flex; align-items:center; justify-content:space-between; gap:20px; padding-top:18px; color:var(--muted); font-size:11px; }
.question-board-action a { color:var(--blue-900); font-weight:850; }

/* V14 insurance scroll process */
.insurance-process-scroll { padding:var(--section-space) 0; background:#fff; }
.insurance-process-scroll-grid { display:grid; grid-template-columns:.72fr 1.28fr; gap:80px; align-items:start; }
.insurance-process-sticky { position:sticky; top:120px; min-height:380px; display:flex; flex-direction:column; justify-content:center; }
.insurance-process-sticky p { max-width:44ch; margin-bottom:26px; }
.process-scroll-meter { width:100%; max-width:330px; height:4px; margin:4px 0 28px; overflow:hidden; border-radius:999px; background:#dce9f1; }
.process-scroll-meter span { display:block; width:25%; height:100%; transform-origin:left; background:linear-gradient(90deg,var(--blue-700),var(--cyan-500)); }
.insurance-process-sticky .btn { align-self:flex-start; }
.process-scroll-cards { display:grid; gap:28px; padding:20px 0 80px; }
.process-scroll-cards article { min-height:300px; display:grid; grid-template-columns:82px 1fr; gap:24px; align-items:center; padding:34px; border:1px solid #d5e5ee; border-radius:24px; background:linear-gradient(145deg,#fff,#f4f9fc); box-shadow:0 18px 45px rgba(7,59,102,.07); transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s ease; }
.process-scroll-cards article:hover,.process-scroll-cards article.is-active { transform:translateY(-6px); border-color:#a8ccdd; box-shadow:0 28px 60px rgba(7,59,102,.12); }
.process-scroll-cards article > span { width:72px; height:72px; display:grid; place-items:center; border-radius:22px; background:var(--blue-950); color:#fff; font-size:18px; font-weight:900; }
.process-scroll-cards small { color:var(--cyan-500); font-size:9px; font-weight:900; letter-spacing:.12em; text-transform:uppercase; }
.process-scroll-cards h3 { margin:8px 0 8px; font-size:20px; }
.process-scroll-cards p { margin:0; max-width:50ch; color:var(--muted); font-size:12px; line-height:1.65; }

/* V14 auto page */
.auto-context { padding:var(--section-space) 0; background:var(--surface-soft); }
.auto-context-grid { display:grid; grid-template-columns:.9fr 1.1fr; gap:62px; align-items:center; }
.auto-context-copy p { max-width:52ch; margin-bottom:22px; }
.auto-context-pills { display:flex; flex-wrap:wrap; gap:8px; margin:0 0 26px; }
.auto-context-pills span { padding:8px 11px; border:1px solid #d5e5ee; border-radius:999px; background:#fff; color:var(--blue-900); font-size:10px; font-weight:800; }
.auto-context-media { position:relative; }
.auto-context-media img { width:100%; height:520px; object-fit:cover; border-radius:24px; box-shadow:var(--shadow-md); }
.auto-context-card { position:absolute; left:24px; bottom:24px; width:min(280px,calc(100% - 48px)); padding:18px; border-radius:16px; background:rgba(255,255,255,.94); box-shadow:var(--shadow-md); backdrop-filter:blur(8px); }
.auto-context-card span { display:block; margin-bottom:6px; color:var(--cyan-500); font-size:9px; font-weight:900; letter-spacing:.12em; }
.auto-context-card strong { display:block; margin-bottom:4px; font-size:14px; }
.auto-context-card p { margin:0; color:var(--muted); font-size:11px; line-height:1.5; }
.orbit-grid .feature-card .auto-card-call { width:100%; min-height:38px; margin-top:auto; display:flex; align-items:center; justify-content:center; border-radius:999px; background:var(--surface-blue); color:var(--blue-950); font-size:10.5px; font-weight:850; transition:background .3s ease,color .3s ease,transform .3s var(--ease); }
.orbit-grid .feature-card:hover .auto-card-call { background:#fff; color:var(--blue-950); transform:translateY(-2px); }
.band-copy p { margin-bottom:28px; }
.band-inline-call { display:inline-flex; margin-top:2px; }
.auto-prep-deck { padding:var(--section-space) 0; background:#fff; }
.auto-prep-head { display:grid; grid-template-columns:.9fr 1.1fr; gap:50px; align-items:end; margin-bottom:28px; }
.auto-prep-head > p { max-width:50ch; margin:0; color:var(--muted); }
.auto-prep-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; }
.auto-prep-grid article { min-height:280px; display:flex; flex-direction:column; padding:26px; border:1px solid var(--line); border-radius:18px; background:linear-gradient(180deg,#fff,#f7fbfd); transition:transform .32s var(--ease),box-shadow .32s var(--ease),border-color .32s ease; }
.auto-prep-grid article:hover { transform:translateY(-6px); border-color:#a9cfdf; box-shadow:var(--shadow-sm); }
.auto-prep-grid article > span { color:var(--cyan-500); font-size:10px; font-weight:900; }
.auto-prep-grid svg { width:42px; height:42px; margin:34px 0 28px; padding:10px; border-radius:13px; background:var(--blue-950); color:#fff; }
.auto-prep-grid h3 { margin-bottom:8px; font-size:15px; }
.auto-prep-grid p { margin:0; color:var(--muted); font-size:12px; line-height:1.62; }
.auto-prep-action { margin-top:22px; padding:18px 20px; display:flex; align-items:center; justify-content:space-between; gap:20px; border-radius:16px; background:var(--surface-blue); }
.auto-prep-action p { margin:0; color:var(--text); font-size:12px; font-weight:700; }

@media (max-width:980px){
 .about-question-board-grid,.insurance-process-scroll-grid,.auto-context-grid,.auto-prep-head{grid-template-columns:1fr;gap:34px}
 .insurance-process-sticky{position:relative;top:auto;min-height:auto}
 .process-scroll-cards{padding-bottom:0}
}
@media (max-width:720px){
 .insurance-dark-cards{grid-template-columns:1fr}
 .insurance-topic-grid{grid-template-columns:1fr}
 .process-scroll-cards article{grid-template-columns:56px 1fr;min-height:240px;padding:22px}
 .process-scroll-cards article>span{width:52px;height:52px;border-radius:16px;font-size:14px}
 .auto-context-media img{height:360px}
 .auto-prep-grid{grid-template-columns:1fr}
 .auto-prep-action{align-items:flex-start;flex-direction:column}
 .question-board{padding:18px}
 .question-board-lead{grid-template-columns:1fr}
 .question-board-lead span{grid-row:auto}
 .question-board-lead p{grid-column:auto}
 .question-board-action{align-items:flex-start;flex-direction:column}
}


/* V15 targeted refinements */
.insurance-topic-card { min-height: 328px; }
.insurance-topic-card p { margin-bottom: 8px; }
.insurance-topic-card .card-call-btn { margin-top: 8px; min-height: 42px; background: var(--blue-950); color:#fff; box-shadow:0 8px 18px rgba(6,43,74,.12); }
.insurance-topic-card .card-call-btn:hover { transform:translateY(-2px); }
.insurance-topic-card:hover .card-call-btn { background:#fff; color:var(--blue-950); }
.insurance-dark-card-head { display:block; margin-bottom:12px; }
.insurance-dark-card-head strong { display:inline-flex; margin-bottom:10px; }
.insurance-dark-card-head h3 { display:block; margin:0; font-size:16px; }
.insurance-dark-cards article { min-height:320px; }
.insurance-dark-mini { margin:4px 0 18px; padding:0; list-style:none; display:grid; gap:8px; }
.insurance-dark-mini li { position:relative; padding-left:17px; color:#c9ddea; font-size:11.5px; line-height:1.45; }
.insurance-dark-mini li::before { content:"✓"; position:absolute; left:0; color:#8fe4ef; font-weight:900; }
.dark-card-call { margin-top:auto; padding:0 16px; min-height:40px; display:inline-flex; align-items:center; justify-content:center; width:fit-content; border-radius:999px; background:#fff; color:var(--blue-950); }
.dark-card-call:hover { color:var(--blue-950); transform:translateY(-2px); }
.process-scroll-cards { gap:18px; padding-top:6px; padding-bottom:36px; }
.process-scroll-cards article { min-height:240px; grid-template-columns:72px 1fr; gap:20px; padding:28px 30px; }
.process-scroll-cards article > span { width:62px; height:62px; border-radius:18px; }
.process-scroll-cards p { max-width:none; font-size:12.5px; line-height:1.7; }
.band-inline-actions { display:flex; align-items:center; gap:18px; margin-top:26px; flex-wrap:wrap; }
.band-inline-actions .band-inline-call { margin:0; }
.light-link { color:#fff; }
.light-link:hover { color:#dff4f8; }

.home-property-story,.home-room-map,.home-prep-path { padding:var(--section-space) 0; }
.home-property-story { background:#fff; }
.home-property-grid { display:grid; grid-template-columns:.86fr 1.14fr; gap:70px; align-items:center; }
.home-property-copy p { max-width:52ch; margin-bottom:24px; }
.home-fact-row { display:grid; grid-template-columns:repeat(3,1fr); gap:10px; margin:0 0 26px; }
.home-fact-row article { padding:14px; border:1px solid var(--line); border-radius:14px; background:var(--surface-soft); }
.home-fact-row strong { display:block; margin-bottom:6px; color:var(--cyan-500); font-size:11px; }
.home-fact-row span { color:var(--ink); font-size:11.5px; font-weight:800; }
.home-property-media { position:relative; }
.home-property-media img { width:100%; height:520px; object-fit:cover; border-radius:26px; box-shadow:var(--shadow-md); }
.home-media-note { position:absolute; left:22px; bottom:22px; max-width:260px; padding:17px 18px; border-radius:15px; background:rgba(255,255,255,.95); box-shadow:var(--shadow-md); }
.home-media-note span { display:block; margin-bottom:5px; color:var(--cyan-500); font-size:9px; font-weight:900; letter-spacing:.12em; text-transform:uppercase; }
.home-media-note strong { font-size:13px; line-height:1.35; }
.home-room-map { background:var(--surface-blue); }
.home-room-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:28px; }
.home-room-grid article { min-height:300px; display:flex; flex-direction:column; padding:24px; border:1px solid #cfe0ea; border-radius:18px; background:#fff; transition:transform .32s var(--ease), background .32s ease, color .32s ease, box-shadow .32s var(--ease); }
.home-room-grid article:hover { transform:translateY(-6px); background:var(--blue-900); color:#fff; box-shadow:var(--shadow-md); }
.home-room-icon { width:46px; height:46px; display:grid; place-items:center; margin-bottom:22px; border-radius:14px; background:var(--surface-blue); color:var(--blue-900); }
.home-room-icon svg { width:22px; height:22px; }
.home-room-grid h3 { margin-bottom:8px; font-size:15px; }
.home-room-grid p { margin:0 0 16px; color:var(--muted); font-size:12px; line-height:1.6; }
.home-room-grid article:hover h3,.home-room-grid article:hover p { color:#fff; }
.home-room-grid a { margin-top:auto; min-height:38px; padding:0 14px; display:flex; align-items:center; justify-content:center; border-radius:999px; background:var(--blue-950); color:#fff; font-size:10.5px; font-weight:850; }
.home-room-grid article:hover a { background:#fff; color:var(--blue-950); }
.home-dark-window { position:relative; overflow:hidden; min-height:570px; background:var(--blue-950); color:#fff; }
.home-dark-photo { position:absolute; inset:0 0 0 auto; width:48%; background-size:cover; background-position:center; }
.home-dark-photo::before { content:""; position:absolute; inset:0; background:linear-gradient(90deg,var(--blue-950),rgba(6,43,74,.16)); }
.home-dark-grid { position:relative; z-index:2; min-height:570px; display:grid; grid-template-columns:.9fr 1.1fr; gap:60px; align-items:center; padding-top:70px; padding-bottom:70px; }
.home-dark-copy { max-width:510px; }
.home-dark-copy h2 { color:#fff; }
.home-dark-copy p { color:#c9ddea; margin-bottom:24px; }
.home-dark-list { max-width:520px; justify-self:end; display:grid; gap:12px; }
.home-dark-list article { display:grid; grid-template-columns:50px 1fr; gap:14px; padding:18px; border:1px solid rgba(255,255,255,.14); border-radius:16px; background:rgba(6,43,74,.72); backdrop-filter:blur(8px); }
.home-dark-list span { width:42px; height:42px; display:grid; place-items:center; border-radius:12px; background:rgba(255,255,255,.1); color:#8fe4ef; font-size:10px; font-weight:900; }
.home-dark-list h3 { margin:0 0 4px; color:#fff; font-size:14px; }
.home-dark-list p { margin:0; color:#c9ddea; font-size:11.5px; line-height:1.55; }
.home-prep-path { background:#fff; }
.home-prep-grid { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:stretch; }
.home-prep-media img { width:100%; height:100%; min-height:500px; object-fit:cover; border-radius:24px; box-shadow:var(--shadow-sm); }
.home-prep-copy { display:flex; flex-direction:column; justify-content:center; }
.home-prep-steps { margin:10px 0 26px; border-top:1px solid var(--line); }
.home-prep-steps article { display:grid; grid-template-columns:50px 1fr; gap:14px; padding:17px 0; border-bottom:1px solid var(--line); }
.home-prep-steps strong { color:var(--cyan-500); font-size:11px; }
.home-prep-steps h3 { margin:0 0 4px; font-size:14px; }
.home-prep-steps p { margin:0; color:var(--muted); font-size:11.8px; line-height:1.55; }
.home-prep-copy .btn { align-self:flex-start; }

@media(max-width:980px){
 .home-property-grid,.home-dark-grid,.home-prep-grid{grid-template-columns:1fr;gap:34px}
 .home-room-grid{grid-template-columns:1fr 1fr}
 .home-dark-photo{width:100%;opacity:.25}
 .home-dark-list{justify-self:stretch;max-width:none}
}
@media(max-width:720px){
 .home-fact-row,.home-room-grid{grid-template-columns:1fr}
 .home-property-media img,.home-prep-media img{height:360px;min-height:0}
 .insurance-dark-cards article{min-height:auto}
 .process-scroll-cards article{min-height:auto;padding:22px}
 .band-inline-actions{align-items:flex-start;flex-direction:column}
}


/* V16 insurance button stabilization */
.insurance-topic-card .insurance-phone-btn {
  width:100%; min-height:42px; margin-top:10px; padding:0 16px;
  display:inline-flex; align-items:center; justify-content:center;
  border-radius:999px; background:var(--blue-950); color:#fff;
  font-size:10.5px; font-weight:850; line-height:1; box-shadow:0 8px 18px rgba(6,43,74,.14);
}
.insurance-topic-card .insurance-phone-btn:hover { transform:translateY(-2px); background:var(--blue-800); color:#fff; }
.insurance-topic-card:hover .insurance-phone-btn { background:#fff; color:var(--blue-950); }

/* V16 stronger Home motion-ready states */
.home-fact-row article,.home-room-grid article,.home-dark-list article,.home-prep-steps article,.home-property-media,.home-prep-media { will-change:transform,opacity; }
.home-room-grid article:hover .home-room-icon { transform:rotate(-7deg) scale(1.08); background:#fff; color:var(--blue-900); }
.home-room-icon { transition:transform .32s var(--ease),background .32s ease,color .32s ease; }
.home-dark-list article { transition:transform .32s var(--ease),background .32s ease,border-color .32s ease; }
.home-dark-list article:hover { transform:translateX(-7px); background:rgba(11,77,130,.8); border-color:rgba(143,228,239,.28); }
.home-prep-steps article { transition:transform .28s var(--ease),background .28s ease; }
.home-prep-steps article:hover { transform:translateX(7px); background:linear-gradient(90deg,rgba(237,245,251,.8),transparent); }

/* V16 Life page — unique editorial family planning system */
.life-people,.life-anchor-section,.life-prep { padding:var(--section-space) 0; }
.life-people { background:#fff; }
.life-people-grid { display:grid; grid-template-columns:1.02fr .98fr; gap:68px; align-items:center; }
.life-people-media { position:relative; }
.life-people-media img { width:100%; height:560px; object-fit:cover; border-radius:28px; box-shadow:var(--shadow-md); }
.life-photo-card { position:absolute; right:-20px; bottom:28px; width:250px; padding:20px; border-radius:17px; background:rgba(255,255,255,.96); box-shadow:var(--shadow-md); }
.life-photo-card span,.life-prep-note span { display:block; margin-bottom:6px; color:var(--cyan-500); font-size:9px; font-weight:900; letter-spacing:.12em; text-transform:uppercase; }
.life-photo-card strong,.life-prep-note strong { font-size:14px; line-height:1.35; }
.life-people-copy>p { max-width:49ch; margin-bottom:24px; }
.life-responsibility-stack { margin:0 0 26px; border-top:1px solid var(--line); }
.life-responsibility-stack article { display:grid; grid-template-columns:48px 1fr; gap:14px; padding:17px 0; border-bottom:1px solid var(--line); }
.life-responsibility-stack article>span { width:38px; height:38px; display:grid; place-items:center; border-radius:12px; background:var(--surface-blue); color:var(--blue-900); font-size:10px; font-weight:900; }
.life-responsibility-stack h3 { margin:0 0 4px; font-size:14px; }
.life-responsibility-stack p { margin:0; color:var(--muted); font-size:11.8px; line-height:1.55; }
.life-anchor-section { background:var(--surface-blue); }
.life-anchor-head { display:grid; grid-template-columns:.9fr 1.1fr; gap:60px; align-items:end; margin-bottom:30px; }
.life-anchor-head>p { max-width:54ch; margin:0; color:var(--muted); }
.life-anchor-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; }
.life-anchor-grid article { min-height:330px; display:flex; flex-direction:column; padding:24px; border:1px solid #cfe0ea; border-radius:18px; background:#fff; transition:transform .34s var(--ease),background .34s ease,color .34s ease,box-shadow .34s var(--ease); }
.life-anchor-grid article:hover { transform:translateY(-7px); background:var(--blue-900); color:#fff; box-shadow:var(--shadow-md); }
.life-anchor-icon { width:46px; height:46px; display:grid; place-items:center; margin-bottom:24px; border-radius:14px; background:var(--blue-950); color:#fff; transition:transform .34s var(--ease),background .34s ease,color .34s ease; }
.life-anchor-icon svg { width:22px; height:22px; }
.life-anchor-grid article:hover .life-anchor-icon { transform:rotate(-7deg) scale(1.08); background:#fff; color:var(--blue-900); }
.life-anchor-grid h3 { margin:0 0 8px; font-size:15px; }
.life-anchor-grid p { margin:0 0 8px; color:var(--muted); font-size:11.8px; line-height:1.62; }
.life-anchor-grid article:hover h3,.life-anchor-grid article:hover p { color:#fff; }
.life-anchor-grid a { margin-top:6px; min-height:38px; padding:0 14px; display:flex; align-items:center; justify-content:center; border-radius:999px; background:var(--surface-blue); color:var(--blue-950); font-size:10.5px; font-weight:850; }
.life-anchor-grid article:hover a { background:#fff; color:var(--blue-950); }
.life-horizon { position:relative; overflow:hidden; background:linear-gradient(135deg,var(--blue-950),var(--blue-800)); color:#fff; }
.life-horizon::after { content:""; position:absolute; right:-100px; bottom:-160px; width:420px; height:420px; border-radius:50%; border:1px solid rgba(255,255,255,.12); }
.life-horizon-grid { position:relative; z-index:1; min-height:560px; display:grid; grid-template-columns:.82fr 1.18fr; gap:70px; align-items:center; padding-top:74px; padding-bottom:74px; }
.life-horizon-copy h2 { color:#fff; }
.life-horizon-copy p { max-width:48ch; margin-bottom:26px; color:#c9ddea; }
.life-horizon-track { display:grid; gap:12px; }
.life-horizon-track article { display:grid; grid-template-columns:86px 1fr; gap:18px; align-items:center; padding:22px; border:1px solid rgba(255,255,255,.13); border-radius:18px; background:rgba(255,255,255,.07); backdrop-filter:blur(8px); transition:transform .3s var(--ease),background .3s ease; }
.life-horizon-track article:hover { transform:translateX(-8px); background:rgba(255,255,255,.11); }
.life-horizon-track strong { width:70px; height:70px; display:flex; flex-direction:column; align-items:center; justify-content:center; gap:5px; border-radius:20px; background:rgba(255,255,255,.11); color:#8fe4ef; font-size:10px; }
.life-horizon-track strong svg { width:22px; height:22px; }
.life-horizon-track h3 { margin:0 0 5px; color:#fff; font-size:15px; }
.life-horizon-track p { margin:0; color:#c9ddea; font-size:11.8px; line-height:1.55; }
.life-prep { background:#fff; }
.life-prep-grid { display:grid; grid-template-columns:1fr 1fr; gap:68px; align-items:stretch; }
.life-prep-copy { display:flex; flex-direction:column; justify-content:center; }
.life-prep-copy>p { max-width:50ch; }
.life-number-list { margin:18px 0 26px; display:grid; gap:10px; }
.life-number-list article { display:grid; grid-template-columns:54px 1fr; gap:15px; align-items:center; padding:15px 16px; border:1px solid var(--line); border-radius:15px; background:var(--surface-soft); }
.life-number-list strong { width:42px; height:42px; display:grid; place-items:center; border-radius:13px; background:#fff; color:var(--blue-900); font-size:10px; box-shadow:0 7px 18px rgba(7,59,102,.07); }
.life-number-list h3 { margin:0 0 4px; font-size:14px; }
.life-number-list p { margin:0; color:var(--muted); font-size:11.5px; line-height:1.52; }
.life-prep-actions { display:flex; align-items:center; gap:18px; flex-wrap:wrap; }
.life-prep-media { position:relative; }
.life-prep-media img { width:100%; height:100%; min-height:560px; object-fit:cover; border-radius:28px; box-shadow:var(--shadow-md); }
.life-prep-note { position:absolute; left:22px; bottom:22px; width:min(280px,calc(100% - 44px)); padding:18px; border-radius:16px; background:rgba(255,255,255,.95); box-shadow:var(--shadow-md); }

@media(max-width:980px){
 .life-people-grid,.life-anchor-head,.life-horizon-grid,.life-prep-grid{grid-template-columns:1fr;gap:36px}
 .life-anchor-grid{grid-template-columns:1fr 1fr}
 .life-photo-card{right:18px}
}
@media(max-width:720px){
 .life-anchor-grid{grid-template-columns:1fr}
 .life-people-media img,.life-prep-media img{height:380px;min-height:0}
 .life-horizon-track article{grid-template-columns:64px 1fr;padding:18px}
 .life-horizon-track strong{width:56px;height:56px;border-radius:16px}
}


/* Business page V17 — unique operational layout */
.biz-context,.biz-risk-map,.biz-prep{padding:var(--section-space) 0}
.biz-context{background:#fff}
.biz-context-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:68px;align-items:center}
.biz-context-copy>p{max-width:52ch;margin-bottom:22px}
.biz-context-points{display:grid;border-top:1px solid var(--line);margin:24px 0 26px}
.biz-context-points article{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.biz-context-points span{color:var(--cyan-500);font-size:10px;font-weight:900}
.biz-context-points h3{margin:0 0 4px;font-size:14px}
.biz-context-points p{margin:0;color:var(--muted);font-size:11.8px;line-height:1.55}
.biz-context-media{position:relative;overflow:visible}
.biz-context-media img{width:100%;height:540px;object-fit:cover;border-radius:26px;box-shadow:var(--shadow-md)}
.biz-media-note{position:absolute;left:-28px;bottom:28px;width:245px;padding:19px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow-md)}
.biz-media-note span{display:block;margin-bottom:6px;color:var(--cyan-500);font-size:9px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.biz-media-note strong{display:block;font-size:13px;line-height:1.4}
.biz-risk-map{background:var(--surface-blue)}
.biz-risk-head{display:grid;grid-template-columns:1fr .8fr;gap:50px;align-items:end;margin-bottom:28px}
.biz-risk-head>p{margin:0;color:var(--muted);font-size:13px;max-width:50ch}
.biz-risk-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.biz-risk-grid article{min-height:330px;display:flex;flex-direction:column;padding:24px;border:1px solid #cbdde9;border-radius:18px;background:#fff;transition:transform .32s var(--ease),background .32s ease,color .32s ease,box-shadow .32s var(--ease)}
.biz-risk-grid article:hover{transform:translateY(-7px);background:var(--blue-900);color:#fff;box-shadow:var(--shadow-md)}
.biz-risk-icon{width:46px;height:46px;display:grid;place-items:center;margin-bottom:20px;border-radius:14px;background:var(--surface-blue);color:var(--blue-900);transition:transform .32s var(--ease),background .32s ease,color .32s ease}
.biz-risk-icon svg{width:22px;height:22px}
.biz-risk-grid article:hover .biz-risk-icon{transform:rotate(-7deg) scale(1.08);background:#fff;color:var(--blue-900)}
.biz-risk-grid h3{font-size:15px;margin:0 0 8px}
.biz-risk-grid p{margin:0 0 12px;color:var(--muted);font-size:11.7px;line-height:1.62}
.biz-risk-grid article:hover h3,.biz-risk-grid article:hover p{color:#fff}
.biz-risk-grid a{margin-top:auto;min-height:40px;display:flex;align-items:center;justify-content:center;padding:0 14px;border-radius:999px;background:var(--blue-950);color:#fff;font-size:10.5px;font-weight:850}
.biz-risk-grid article:hover a{background:#fff;color:var(--blue-950)}
.biz-split-band{display:grid;grid-template-columns:1fr 1fr;min-height:580px;background:var(--blue-900)}
.biz-split-media{min-height:580px;overflow:hidden}
.biz-split-media img{width:100%;height:100%;min-height:580px;object-fit:cover}
.biz-split-copy{display:flex;flex-direction:column;justify-content:center;padding:72px clamp(34px,7vw,100px);color:#fff}
.biz-split-copy h2,.biz-split-copy h3{color:#fff}
.biz-split-copy>p{max-width:55ch;color:#c9ddea;margin-bottom:24px}
.biz-compare-list{display:grid;gap:12px;margin-bottom:26px}
.biz-compare-list article{display:grid;grid-template-columns:46px 1fr;gap:14px;padding:16px;border:1px solid rgba(255,255,255,.12);border-radius:15px;background:rgba(255,255,255,.07);transition:transform .3s var(--ease),background .3s ease}
.biz-compare-list article:hover{transform:translateX(6px);background:rgba(255,255,255,.11)}
.biz-inline-icon{width:42px;height:42px;display:grid;place-items:center;border-radius:13px;background:rgba(255,255,255,.1);color:#8fe4ef}
.biz-inline-icon svg{width:20px;height:20px}
.biz-compare-list h3{margin:0 0 4px;font-size:14px}
.biz-compare-list p{margin:0;color:#c9ddea;font-size:11.7px;line-height:1.55}
.biz-prep{background:#fff}
.biz-prep-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:72px;align-items:start}
.biz-prep-intro{position:sticky;top:110px}
.biz-prep-intro>p{max-width:46ch;margin-bottom:24px}
.biz-prep-stack{display:grid;gap:14px}
.biz-prep-stack article{min-height:142px;display:grid;grid-template-columns:62px 1fr;gap:18px;align-items:center;padding:22px 24px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 10px 30px rgba(8,48,83,.05);transition:transform .32s var(--ease),border-color .32s ease,box-shadow .32s var(--ease)}
.biz-prep-stack article:hover{transform:translateX(-7px);border-color:#a9cadb;box-shadow:var(--shadow-sm)}
.biz-prep-stack strong{width:52px;height:52px;display:grid;place-items:center;border-radius:16px;background:var(--surface-blue);color:var(--blue-900);font-size:12px}
.biz-prep-stack h3{margin:0 0 5px;font-size:15px}
.biz-prep-stack p{margin:0;color:var(--muted);font-size:11.8px;line-height:1.58}
@media(max-width:1050px){.biz-risk-grid{grid-template-columns:1fr 1fr}.biz-context-grid,.biz-prep-grid{grid-template-columns:1fr}.biz-prep-intro{position:static}.biz-media-note{left:18px}.biz-risk-head{grid-template-columns:1fr}.biz-split-band{grid-template-columns:1fr}.biz-split-media,.biz-split-media img{min-height:420px}}
@media(max-width:680px){.biz-risk-grid{grid-template-columns:1fr}.biz-context-media img{height:390px}.biz-media-note{right:16px;left:16px;width:auto}.biz-split-copy{padding:52px 24px}.biz-prep-stack article{grid-template-columns:52px 1fr;padding:18px}.biz-risk-grid article{min-height:auto}}


/* V18 targeted refinements */
.life-anchor-grid article{min-height:278px;padding:22px}
.life-anchor-icon{margin-bottom:18px}
.life-anchor-grid p{margin-bottom:6px}
.life-anchor-grid a{margin-top:8px}

.biz-risk-grid article{min-height:292px;padding:22px}
.biz-risk-icon{margin-bottom:17px}
.biz-risk-grid p{margin-bottom:8px}
.biz-risk-grid a{margin-top:8px}
.biz-split-copy>p{margin-bottom:22px}
.biz-compare-list{margin-bottom:18px}
.biz-split-copy>.btn{align-self:flex-start;margin-top:4px}

/* Travel Insurance V18 — fresh middle-page design */
.travel-context,.travel-focus,.travel-compare,.travel-route{padding:var(--section-space) 0}
.travel-context{background:#fff}
.travel-context-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:64px;align-items:center}
.travel-context-media{position:relative;min-height:520px}
.travel-context-media img{width:100%;height:520px;object-fit:cover;border-radius:26px;box-shadow:var(--shadow-md)}
.travel-context-chip{position:absolute;left:22px;bottom:22px;max-width:245px;padding:18px;border-radius:16px;background:rgba(255,255,255,.96);box-shadow:var(--shadow-sm)}
.travel-context-chip span{display:block;margin-bottom:5px;color:var(--cyan-500);font-size:9px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.travel-context-chip strong{font-size:14px;line-height:1.35}
.travel-facts{display:grid;margin:22px 0 24px;border-top:1px solid var(--line)}
.travel-facts article{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:15px 0;border-bottom:1px solid var(--line)}
.travel-facts strong{width:32px;height:32px;display:grid;place-items:center;border-radius:10px;background:var(--surface-blue);color:var(--blue-900);font-size:10px}
.travel-facts h3{margin:0 0 3px;font-size:14px}
.travel-facts p{margin:0;color:var(--muted);font-size:11.7px;line-height:1.55}

.travel-focus{background:var(--surface-blue)}
.travel-focus-head{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:end;margin-bottom:28px}
.travel-focus-head>p{margin:0;color:var(--muted);max-width:58ch}
.travel-focus-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.travel-focus-grid article{min-height:292px;display:flex;flex-direction:column;padding:23px;border:1px solid #cbdeea;border-radius:18px;background:#fff;transition:transform .34s var(--ease),background .34s ease,color .34s ease,box-shadow .34s var(--ease)}
.travel-focus-grid article:hover{transform:translateY(-7px);background:var(--blue-900);color:#fff;box-shadow:var(--shadow-md)}
.travel-focus-icon{width:46px;height:46px;display:grid;place-items:center;margin-bottom:18px;border-radius:14px;background:var(--blue-950);color:#fff;transition:transform .34s var(--ease),background .34s ease,color .34s ease}
.travel-focus-icon svg{width:22px;height:22px}
.travel-focus-grid article:hover .travel-focus-icon{transform:rotate(-8deg) scale(1.08);background:#fff;color:var(--blue-900)}
.travel-focus-grid h3{margin:0 0 7px;font-size:15px}
.travel-focus-grid p{margin:0 0 8px;color:var(--muted);font-size:11.7px;line-height:1.62}
.travel-focus-grid article:hover h3,.travel-focus-grid article:hover p{color:#fff}
.travel-focus-grid a{min-height:39px;margin-top:8px;padding:0 14px;display:flex;align-items:center;justify-content:center;border-radius:999px;background:var(--surface-blue);color:var(--blue-950);font-size:10.5px;font-weight:850}
.travel-focus-grid article:hover a{background:#fff;color:var(--blue-950)}

.travel-compare{position:relative;overflow:hidden;background:var(--blue-900);color:#fff}
.travel-compare::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 88% 18%,rgba(95,210,229,.18),transparent 25%),radial-gradient(circle at 8% 84%,rgba(255,255,255,.07),transparent 24%)}
.travel-compare-grid{position:relative;z-index:1;display:grid;grid-template-columns:.82fr 1.18fr;gap:56px;align-items:center}
.travel-compare-copy h2,.travel-compare-copy h3{color:#fff}
.travel-compare-copy>p{max-width:52ch;color:#c8dce8;margin-bottom:22px}
.travel-board{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.travel-board article{min-height:190px;padding:22px;border:1px solid rgba(255,255,255,.13);border-radius:18px;background:rgba(255,255,255,.08);backdrop-filter:blur(8px);transition:transform .3s var(--ease),background .3s ease}
.travel-board article:hover{transform:translateY(-5px);background:rgba(255,255,255,.12)}
.travel-board span{display:inline-flex;margin-bottom:16px;padding:6px 9px;border-radius:999px;background:rgba(130,218,235,.15);color:#a9e5ef;font-size:9px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.travel-board h3{font-size:14px;margin-bottom:6px}
.travel-board p{margin:0;color:#c9ddea;font-size:11.7px;line-height:1.6}
.travel-board a{display:inline-flex;margin-top:14px;color:#fff;font-size:10.5px;font-weight:850}

.travel-route{background:#fff}
.travel-route-head{display:flex;justify-content:space-between;gap:36px;align-items:end;margin-bottom:28px}
.travel-route-head>p{max-width:54ch;margin:0;color:var(--muted)}
.travel-route-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.travel-route-card{position:relative;overflow:hidden;min-height:330px;padding:26px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 34px rgba(7,59,102,.05);transition:transform .34s var(--ease),box-shadow .34s var(--ease),border-color .34s ease}
.travel-route-card::after{content:"";position:absolute;right:-56px;bottom:-70px;width:150px;height:150px;border-radius:50%;background:radial-gradient(circle,rgba(29,168,200,.16),transparent 68%);transition:transform .4s var(--ease)}
.travel-route-card:hover{transform:translateY(-6px);border-color:#a7cddd;box-shadow:var(--shadow-sm)}
.travel-route-card:hover::after{transform:scale(1.45)}
.travel-route-card strong{display:block;margin-bottom:34px;color:var(--cyan-500);font-size:12px;font-weight:900;letter-spacing:.08em}
.travel-route-card h3{font-size:16px;margin-bottom:8px}
.travel-route-card p{color:var(--muted);font-size:11.8px;line-height:1.65}
.travel-route-list{display:grid;gap:8px;margin:16px 0 20px;padding:0;list-style:none}
.travel-route-list li{position:relative;padding-left:18px;color:var(--text);font-size:11px}
.travel-route-list li::before{content:"✓";position:absolute;left:0;color:var(--cyan-500);font-weight:900}
.travel-route-card a{position:relative;z-index:2;min-height:40px;padding:0 14px;display:inline-flex;align-items:center;justify-content:center;border-radius:999px;background:var(--blue-950);color:#fff;font-size:10.5px;font-weight:850}

@media(max-width:1050px){
 .travel-context-grid,.travel-focus-head,.travel-compare-grid{grid-template-columns:1fr}
 .travel-focus-grid{grid-template-columns:1fr 1fr}
 .travel-route-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:700px){
 .travel-context-media{min-height:auto}.travel-context-media img{height:380px}
 .travel-focus-grid,.travel-board,.travel-route-grid{grid-template-columns:1fr}
 .travel-route-head{display:block}.travel-route-head>p{margin-top:12px}
 .life-anchor-grid article{min-height:auto}
 .biz-risk-grid article{min-height:auto}
}


/* V19 targeted refinements */
.travel-board h3{color:#fff}
.travel-board article:hover h3{color:#fff}

/* Car Insurance redesign */
.bw-context,.bw-questions,.bw-verify,.bw-ready{padding:var(--section-space) 0}
.bw-context{background:#fff}
.bw-context-grid{display:grid;grid-template-columns:.94fr 1.06fr;gap:64px;align-items:center}
.bw-context-copy>p{max-width:54ch;color:var(--muted);margin-bottom:20px}
.bw-fact-list{display:grid;gap:10px;margin:22px 0 26px}
.bw-fact-list article{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:14px 0;border-top:1px solid var(--line)}
.bw-fact-list article:last-child{border-bottom:1px solid var(--line)}
.bw-fact-list strong{width:34px;height:34px;display:grid;place-items:center;border-radius:11px;background:var(--surface-blue);color:var(--blue-900);font-size:10px;font-weight:900}
.bw-fact-list h3{margin:0 0 4px;font-size:14px}
.bw-fact-list p{margin:0;color:var(--muted);font-size:11.7px;line-height:1.55}
.bw-context-media{position:relative;min-height:520px}
.bw-context-media img{width:100%;height:520px;object-fit:cover;border-radius:26px;box-shadow:var(--shadow-md)}
.bw-context-badge{position:absolute;left:22px;bottom:22px;max-width:245px;padding:18px;border-radius:16px;background:rgba(255,255,255,.96);box-shadow:var(--shadow-sm)}
.bw-context-badge span{display:block;margin-bottom:5px;color:var(--cyan-500);font-size:9px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.bw-context-badge strong{font-size:14px;line-height:1.35}

.bw-questions{background:var(--surface-blue)}
.bw-questions-head{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:end;margin-bottom:28px}
.bw-questions-head>p{margin:0;color:var(--muted);max-width:56ch}
.bw-question-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.bw-question-card{min-height:298px;display:flex;flex-direction:column;padding:23px;border:1px solid #cbdeea;border-radius:18px;background:#fff;transition:transform .34s var(--ease),background .34s ease,color .34s ease,box-shadow .34s var(--ease),border-color .34s ease}
.bw-question-card:hover{transform:translateY(-7px);background:var(--blue-900);color:#fff;border-color:var(--blue-900);box-shadow:var(--shadow-md)}
.bw-question-icon{width:46px;height:46px;display:grid;place-items:center;margin-bottom:18px;border-radius:14px;background:var(--blue-950);color:#fff;transition:transform .34s var(--ease),background .34s ease,color .34s ease}
.bw-question-icon svg{width:22px;height:22px}
.bw-question-card:hover .bw-question-icon{transform:rotate(-7deg) scale(1.08);background:#fff;color:var(--blue-900)}
.bw-question-card h3{margin:0 0 7px;font-size:15px}
.bw-question-card p{margin:0 0 14px;color:var(--muted);font-size:11.7px;line-height:1.62}
.bw-question-card:hover h3,.bw-question-card:hover p{color:#fff}
.bw-question-card a{min-height:40px;margin-top:auto;padding:0 14px;display:flex;align-items:center;justify-content:center;border-radius:999px;background:var(--surface-blue);color:var(--blue-950);font-size:10.5px;font-weight:850;transition:transform .25s var(--ease),background .25s ease,color .25s ease}
.bw-question-card:hover a{background:#fff;color:var(--blue-950);transform:translateY(-2px)}

.bw-verify{position:relative;overflow:hidden;background:var(--blue-900);color:#fff}
.bw-verify::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 85% 10%,rgba(110,218,235,.17),transparent 24%),radial-gradient(circle at 12% 88%,rgba(255,255,255,.06),transparent 26%)}
.bw-verify-grid{position:relative;z-index:1;display:grid;grid-template-columns:.82fr 1.18fr;gap:56px;align-items:stretch}
.bw-verify-copy{display:flex;flex-direction:column;justify-content:center}
.bw-verify h2,.bw-verify h3{color:#fff}
.bw-verify-copy>p{max-width:52ch;color:#c8dce8;margin-bottom:22px}
.bw-verify-panels{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.bw-verify-panels article{min-height:235px;display:flex;flex-direction:column;padding:23px;border:1px solid rgba(255,255,255,.13);border-radius:18px;background:rgba(255,255,255,.08);backdrop-filter:blur(8px);transition:transform .3s var(--ease),background .3s ease}
.bw-verify-panels article:hover{transform:translateY(-5px);background:rgba(255,255,255,.12)}
.bw-verify-panels span{display:inline-flex;width:fit-content;margin-bottom:16px;padding:6px 9px;border-radius:999px;background:rgba(130,218,235,.15);color:#a9e5ef;font-size:9px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.bw-verify-panels h3{font-size:14px;margin-bottom:6px}
.bw-verify-panels p{margin:0 0 14px;color:#c9ddea;font-size:11.7px;line-height:1.6}
.bw-verify-list{display:grid;gap:8px;margin:4px 0 18px;padding:0;list-style:none}
.bw-verify-list li{position:relative;padding-left:18px;color:#dbeaf3;font-size:11px}
.bw-verify-list li::before{content:"✓";position:absolute;left:0;color:#8fe4ef;font-weight:900}
.bw-verify-panels a{display:inline-flex;align-items:center;justify-content:center;min-height:39px;margin-top:auto;padding:0 14px;border-radius:999px;background:#fff;color:var(--blue-950);font-size:10.5px;font-weight:850}

.bw-ready{background:#fff}
.bw-ready-head{display:flex;justify-content:space-between;gap:36px;align-items:end;margin-bottom:28px}
.bw-ready-head>p{max-width:54ch;margin:0;color:var(--muted)}
.bw-ready-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:18px;align-items:stretch}
.bw-ready-main{position:relative;overflow:hidden;min-height:410px;border-radius:24px}
.bw-ready-main img{width:100%;height:100%;min-height:410px;object-fit:cover}
.bw-ready-main::after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(180deg,transparent,rgba(5,35,60,.78))}
.bw-ready-overlay{position:absolute;z-index:2;left:24px;right:24px;bottom:24px;color:#fff}
.bw-ready-overlay h3{color:#fff;font-size:22px;max-width:18ch;margin-bottom:8px}
.bw-ready-overlay p{max-width:48ch;color:#dbe9f2;font-size:12px;margin:0}
.bw-ready-stack{display:grid;gap:14px}
.bw-ready-stack article{min-height:126px;padding:19px;border:1px solid var(--line);border-radius:17px;background:#fff;box-shadow:0 10px 28px rgba(7,59,102,.05);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s ease}
.bw-ready-stack article:hover{transform:translateX(6px);border-color:#acd0df;box-shadow:var(--shadow-sm)}
.bw-ready-stack strong{display:block;margin-bottom:7px;color:var(--cyan-500);font-size:10px;font-weight:900;letter-spacing:.08em}
.bw-ready-stack h3{font-size:14px;margin-bottom:5px}
.bw-ready-stack p{margin:0;color:var(--muted);font-size:11.5px;line-height:1.55}
.bw-ready-stack a{display:inline-flex;margin-top:12px;color:var(--blue-900);font-size:10.5px;font-weight:850}

@media(max-width:1100px){.bw-context-grid,.bw-questions-head,.bw-verify-grid,.bw-ready-grid{grid-template-columns:1fr}.bw-question-grid{grid-template-columns:1fr 1fr}.bw-ready-main{min-height:360px}.bw-context-media{min-height:auto}.bw-context-media img{height:420px}}
@media(max-width:720px){.bw-question-grid,.bw-verify-panels{grid-template-columns:1fr}.bw-context-media img{height:340px}.bw-ready-head{display:block}.bw-ready-head>p{margin-top:12px}.bw-ready-main,.bw-ready-main img{min-height:340px}}


/* V20 — unique How It Works, Contact, title discipline and footer */
.hero-copy h1 { max-width: 15ch; font-size: clamp(2rem, 3.05vw, 3.05rem); line-height: 1.03; text-wrap: balance; }
.faq-section .section-head--center { text-align: center; margin-inline: auto; }
.faq-section .section-head--center h2,
.faq-section .section-head--center p,
.faq-section .section-head--center .eyebrow { margin-inline: auto; }

.how-signal, .how-kit, .contact-direct, .contact-ready { padding: 86px 0; background: #fff; }
.how-signal-grid { display:grid; grid-template-columns:.92fr 1.08fr; gap:68px; align-items:center; }
.how-signal-list { margin-top:28px; border-top:1px solid var(--line); }
.how-signal-list article { display:grid; grid-template-columns:46px 1fr; gap:14px; padding:17px 0; border-bottom:1px solid var(--line); }
.how-signal-list article>span { color:var(--cyan-500); font-size:11px; font-weight:900; }
.how-signal-list h3 { margin:0 0 4px; font-size:14px; }
.how-signal-list p { margin:0; font-size:12px; color:var(--muted); }
.how-signal-visual { position:relative; }
.how-signal-visual img { width:100%; height:520px; object-fit:cover; border-radius:26px; box-shadow:var(--shadow-md); }
.how-signal-note { position:absolute; left:-24px; bottom:24px; max-width:250px; padding:18px 20px; border-radius:16px; background:#fff; box-shadow:var(--shadow-md); }
.how-signal-note strong,.how-signal-note span { display:block; }
.how-signal-note strong { margin-bottom:5px; color:var(--cyan-500); font-size:10px; text-transform:uppercase; letter-spacing:.12em; }
.how-signal-note span { font-size:12px; font-weight:750; color:var(--ink); }

.how-route { position:relative; overflow:hidden; padding:86px 0; background:linear-gradient(135deg,var(--blue-950),var(--blue-800)); color:#fff; }
.how-route::before { content:""; position:absolute; width:420px; height:420px; right:-120px; top:-160px; border:1px solid rgba(255,255,255,.1); border-radius:50%; }
.how-route-head h2 { color:#fff; }
.how-route-head p { color:#c8dce8; }
.how-route-track { position:relative; display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:38px; }
.how-route-card { position:relative; min-height:275px; padding:24px; border:1px solid rgba(255,255,255,.14); border-radius:20px; background:rgba(255,255,255,.08); backdrop-filter:blur(8px); transition:transform .35s var(--ease),background .35s ease,border-color .35s ease; }
.how-route-card::after { content:attr(data-how-step); position:absolute; right:18px; top:18px; font-size:42px; line-height:1; font-weight:900; color:rgba(255,255,255,.06); }
.how-route-card:hover { transform:translateY(-7px); background:rgba(255,255,255,.13); border-color:rgba(142,217,233,.45); }
.how-route-card>svg { width:44px; height:44px; padding:11px; margin-bottom:24px; border-radius:14px; background:#fff; color:var(--blue-900); }
.how-route-card>span { display:block; margin-bottom:8px; color:#88dbea; font-size:9px; font-weight:900; letter-spacing:.14em; text-transform:uppercase; }
.how-route-card h3 { color:#fff; font-size:15px; }
.how-route-card p { margin:0; color:#c7dce9; font-size:12px; line-height:1.65; }

.how-kit { background:var(--surface-blue); }
.how-kit-grid { display:grid; grid-template-columns:1.15fr .85fr; gap:58px; align-items:center; }
.how-kit-board { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; }
.how-kit-board article { min-height:280px; display:flex; flex-direction:column; padding:24px; border:1px solid #cadde9; border-radius:18px; background:#fff; transition:transform .32s var(--ease),box-shadow .32s var(--ease); }
.how-kit-board article:hover { transform:translateY(-5px); box-shadow:var(--shadow-sm); }
.how-kit-board strong { width:44px; height:44px; display:grid; place-items:center; margin-bottom:44px; border-radius:14px; background:var(--blue-900); color:#fff; font-size:11px; }
.how-kit-board h3 { font-size:14px; }
.how-kit-board p { margin:0; color:var(--muted); font-size:12px; line-height:1.6; }
.how-kit-copy .btn { margin-top:8px; }

.contact-direct { padding-bottom:72px; }
.contact-direct-grid { display:grid; grid-template-columns:.9fr 1.1fr; gap:24px; align-items:stretch; }
.contact-direct-card { min-height:520px; padding:48px; border-radius:26px; background:linear-gradient(145deg,var(--blue-950),var(--blue-800)); color:#fff; display:flex; flex-direction:column; justify-content:center; }
.contact-direct-card h2 { color:#fff; }
.contact-direct-card>p { color:#c9ddea; max-width:52ch; }
.contact-big-call { display:flex; align-items:center; gap:14px; width:fit-content; margin-top:24px; padding:13px 18px; border-radius:16px; background:#fff; color:var(--blue-950); box-shadow:var(--shadow-sm); }
.contact-big-call>svg { width:24px; }
.contact-big-call small,.contact-big-call span { display:block; }
.contact-big-call small { color:var(--muted); font-size:9px; text-transform:uppercase; letter-spacing:.12em; }
.contact-big-call span { font-size:13px; font-weight:850; }
.contact-proof { display:flex; flex-wrap:wrap; gap:8px 16px; margin-top:28px; color:#bcd6e5; font-size:10px; }
.contact-direct-photo { position:relative; min-height:520px; }
.contact-direct-photo img { width:100%; height:100%; object-fit:cover; border-radius:26px; }
.contact-photo-chip { position:absolute; left:22px; bottom:22px; max-width:250px; padding:17px 19px; border-radius:15px; background:rgba(255,255,255,.95); box-shadow:var(--shadow-md); }
.contact-photo-chip strong,.contact-photo-chip span { display:block; }
.contact-photo-chip strong { color:var(--blue-900); font-size:11px; }
.contact-photo-chip span { margin-top:4px; color:var(--muted); font-size:10px; }

.contact-topics { padding:84px 0; background:var(--surface-blue); }
.contact-topic-list { margin-top:30px; border-top:1px solid #cadde9; }
.contact-topic-list>a { display:grid; grid-template-columns:52px 1fr auto; gap:18px; align-items:center; min-height:98px; padding:17px 18px; border-bottom:1px solid #cadde9; transition:background .28s ease,padding .28s var(--ease); }
.contact-topic-list>a:hover { padding-left:26px; background:#fff; }
.contact-topic-icon { width:42px; height:42px; display:grid; place-items:center; border-radius:13px; background:#fff; color:var(--blue-900); box-shadow:0 6px 18px rgba(7,59,102,.08); font-size:10px; font-weight:900; }
.contact-topic-list h3 { margin:0 0 4px; font-size:14px; }
.contact-topic-list p { margin:0; color:var(--muted); font-size:11.5px; }
.contact-topic-list b { color:var(--blue-800); font-size:10px; }

.contact-ready { background:#fff; }
.contact-ready-grid { display:grid; grid-template-columns:.7fr 1.3fr; gap:64px; align-items:center; }
.contact-ready-cards { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; }
.contact-ready-cards article { min-height:245px; padding:24px; border:1px solid var(--line); border-radius:18px; background:#fff; box-shadow:0 10px 30px rgba(7,59,102,.05); }
.contact-ready-cards strong { display:block; margin-bottom:48px; color:var(--cyan-500); font-size:12px; }
.contact-ready-cards h3 { font-size:14px; }
.contact-ready-cards p { margin:0; color:var(--muted); font-size:12px; }

/* Footer v20 */
.footer-v20 { position:relative; overflow:hidden; padding:0; background:#052f51; color:#fff; }
.footer-v20::before { content:""; position:absolute; width:440px; height:440px; right:-190px; top:-260px; border:1px solid rgba(255,255,255,.07); border-radius:50%; }
.footer-v20-top { display:grid; grid-template-columns:.82fr 1.18fr; gap:76px; padding-top:58px; padding-bottom:46px; }
.footer-v20-brand .brand-logo { width:164px; margin-bottom:22px; }
.footer-v20-brand p { max-width:390px; color:#a9c7da; font-size:12px; line-height:1.7; }
.footer-v20-call { width:fit-content; display:inline-flex; align-items:center; gap:9px; margin-top:14px; padding:10px 14px; border:1px solid rgba(255,255,255,.16); border-radius:999px; background:rgba(255,255,255,.08); color:#fff; font-size:11px; font-weight:800; }
.footer-v20-call svg { width:15px; }
.footer-v20-nav { display:grid; grid-template-columns:repeat(3,1fr); gap:34px; }
.footer-v20-nav>div { display:flex; flex-direction:column; gap:8px; }
.footer-kicker { margin-bottom:8px; color:#74cee1; font-size:9px; font-weight:900; text-transform:uppercase; letter-spacing:.14em; }
.footer-v20-nav a { width:fit-content; color:#d7e7f0; font-size:11px; transition:color .2s ease,transform .2s ease; }
.footer-v20-nav a:hover { color:#fff; transform:translateX(3px); }
.footer-v20-bottom { display:grid; grid-template-columns:1fr auto; gap:30px; align-items:end; padding-top:22px; padding-bottom:24px; border-top:1px solid rgba(255,255,255,.09); }
.footer-v20-bottom p { max-width:800px; margin:0; color:#7fa6bd; font-size:9.5px; line-height:1.65; }
.footer-legal { display:flex; align-items:center; flex-wrap:wrap; justify-content:flex-end; gap:12px; color:#8eb0c4; font-size:9.5px; }
.footer-legal a:hover { color:#fff; }

@media (max-width: 960px) {
 .how-signal-grid,.how-kit-grid,.contact-direct-grid,.contact-ready-grid,.footer-v20-top { grid-template-columns:1fr; }
 .how-route-track { grid-template-columns:1fr 1fr; }
 .how-kit-board,.contact-ready-cards { grid-template-columns:1fr 1fr; }
 .footer-v20-nav { grid-template-columns:repeat(3,1fr); }
 .how-signal-note { left:18px; }
}
@media (max-width: 680px) {
 .hero-copy h1 { max-width:13ch; font-size:clamp(1.85rem,8vw,2.4rem); }
 .how-signal,.how-kit,.contact-direct,.contact-ready,.how-route,.contact-topics { padding:58px 0; }
 .how-route-track,.how-kit-board,.contact-ready-cards,.footer-v20-nav { grid-template-columns:1fr; }
 .contact-direct-card { min-height:auto; padding:30px 24px; }
 .contact-direct-photo,.contact-direct-photo img { min-height:340px; }
 .contact-topic-list>a { grid-template-columns:44px 1fr; }
 .contact-topic-list b { grid-column:2; }
 .footer-v20-top { gap:42px; }
 .footer-v20-bottom { grid-template-columns:1fr; }
 .footer-legal { justify-content:flex-start; }
}


/* V21 targeted polish: Car Insurance / How It Works / Contact */
.bw-verify-action { display:flex; align-items:center; margin-top:22px; }
.bw-verify-action .btn { width:auto; flex:0 0 auto; }
.bw-faq .section-head { text-align:center !important; margin-inline:auto !important; }
.bw-faq .section-head h2,
.bw-faq .section-head p,
.bw-faq .section-head .eyebrow { margin-inline:auto !important; }

.how-route-card { display:flex; flex-direction:column; }
.how-route-card p { margin-bottom:16px; }
.how-route-call { position:relative; z-index:2; display:inline-flex; align-items:center; justify-content:center; width:100%; min-height:40px; margin-top:auto; padding:0 14px; border-radius:999px; background:#fff; color:var(--blue-950); font-size:10.5px; font-weight:850; box-shadow:0 8px 18px rgba(0,0,0,.08); transition:transform .28s var(--ease),background .28s ease,color .28s ease; }
.how-route-call:hover { transform:translateY(-2px); background:#8fe4ef; color:var(--blue-950); }

.how-kit-v21 { position:relative; overflow:hidden; padding:88px 0; background:linear-gradient(180deg,#f4f9fc 0%,#edf5fb 100%); }
.how-kit-v21::before { content:""; position:absolute; width:360px; height:360px; border-radius:50%; right:-150px; top:-170px; border:1px solid rgba(11,77,130,.1); }
.how-kit-v21-head { display:flex; align-items:end; justify-content:space-between; gap:36px; margin-bottom:34px; }
.how-kit-v21-head .section-head { margin:0; }
.how-kit-v21-head .section-head p { margin-bottom:0; }
.how-kit-v21-stage { position:relative; display:grid; grid-template-columns:repeat(3,1fr); gap:14px; padding:26px; border:1px solid #c9dfea; border-radius:28px; background:rgba(255,255,255,.64); box-shadow:0 20px 55px rgba(7,59,102,.07); }
.how-kit-v21-card { position:relative; min-height:300px; padding:24px; border-radius:20px; background:#fff; border:1px solid #d5e5ee; display:flex; flex-direction:column; gap:28px; transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s ease; }
.how-kit-v21-card:hover { transform:translateY(-7px); border-color:#9ccada; box-shadow:0 20px 42px rgba(7,59,102,.12); }
.how-kit-v21-icon { width:52px; height:52px; display:grid; place-items:center; border-radius:16px; background:var(--blue-950); color:#fff; box-shadow:0 10px 24px rgba(6,43,74,.15); }
.how-kit-v21-icon svg { width:24px; height:24px; }
.how-kit-v21-card span { display:block; margin-bottom:8px; color:var(--cyan-500); font-size:9px; font-weight:900; letter-spacing:.13em; text-transform:uppercase; }
.how-kit-v21-card h3 { margin-bottom:8px; font-size:15px; }
.how-kit-v21-card p { margin:0; color:var(--muted); font-size:12px; line-height:1.68; }
.how-kit-v21-marker { position:absolute; z-index:3; left:50%; bottom:-28px; transform:translateX(-50%); width:104px; height:104px; display:grid; place-items:center; align-content:center; border:8px solid #edf5fb; border-radius:50%; background:var(--blue-900); color:#fff; box-shadow:0 14px 35px rgba(7,59,102,.22); pointer-events:none; }
.how-kit-v21-marker span,.how-kit-v21-marker small { font-size:8px; letter-spacing:.1em; text-transform:uppercase; color:#9edce8; }
.how-kit-v21-marker strong { font-size:28px; line-height:1; }

.contact-ready-v21 { position:relative; overflow:hidden; padding:88px 0; background:#fff; }
.contact-ready-v21::after { content:""; position:absolute; width:300px; height:300px; left:-170px; bottom:-160px; border-radius:50%; background:rgba(29,168,200,.07); }
.contact-ready-v21-grid { position:relative; z-index:1; display:grid; grid-template-columns:.78fr 1.22fr; gap:68px; align-items:center; }
.contact-ready-v21-copy p { max-width:46ch; margin-bottom:24px; }
.contact-ready-v21-board { position:relative; display:grid; gap:10px; padding:16px; border-radius:24px; background:var(--surface-blue); border:1px solid #cfe0e9; box-shadow:0 18px 50px rgba(7,59,102,.08); }
.contact-ready-v21-row { display:grid; grid-template-columns:52px 1fr auto; gap:18px; align-items:center; min-height:120px; padding:18px 20px; border-radius:17px; background:#fff; border:1px solid transparent; transition:transform .3s var(--ease),border-color .3s ease,box-shadow .3s var(--ease); }
.contact-ready-v21-row:hover { transform:translateX(-7px); border-color:#a9d0df; box-shadow:0 12px 26px rgba(7,59,102,.08); }
.contact-ready-v21-number { width:46px; height:46px; display:grid; place-items:center; border-radius:14px; background:var(--blue-950); color:#fff; font-size:11px; font-weight:900; }
.contact-ready-v21-row small { display:block; margin-bottom:4px; color:var(--cyan-500); font-size:8px; font-weight:900; letter-spacing:.12em; }
.contact-ready-v21-row h3 { margin:0 0 5px; font-size:14px; }
.contact-ready-v21-row p { margin:0; color:var(--muted); font-size:11.5px; line-height:1.55; }
.contact-ready-v21-status { min-width:64px; padding:8px 10px; border-radius:999px; background:#eef7fb; color:var(--blue-800); text-align:center; font-size:8px; font-weight:900; letter-spacing:.12em; }

.faq-before-footer .section-head { text-align:center !important; margin-inline:auto !important; }
.faq-before-footer .section-head h2,
.faq-before-footer .section-head p,
.faq-before-footer .section-head .eyebrow { margin-inline:auto !important; }

@media (max-width:980px) {
  .how-kit-v21-stage { grid-template-columns:1fr; padding-bottom:70px; }
  .how-kit-v21-card { min-height:auto; }
  .contact-ready-v21-grid { grid-template-columns:1fr; gap:38px; }
}
@media (max-width:720px) {
  .how-kit-v21,.contact-ready-v21 { padding:58px 0; }
  .how-kit-v21-head { align-items:flex-start; flex-direction:column; }
  .how-kit-v21-stage { padding:14px 14px 68px; }
  .contact-ready-v21-row { grid-template-columns:44px 1fr; }
  .contact-ready-v21-status { grid-column:2; justify-self:start; }
}


/* V22 responsive hardening — desktop design unchanged */
@media (max-width: 1180px) {
  .shell { width: min(100% - 48px, 1120px); }
  .site-header .shell { width: min(100% - 36px, 1120px); }
  .page-hero-grid { grid-template-columns: minmax(0, 1fr) minmax(310px, 360px); gap: 36px; }
  .hero-copy h1 { max-width: 12ch; font-size: clamp(2rem, 4.2vw, 3rem); }
  .mega-menu { max-width: calc(100vw - 48px); }
}

@media (max-width: 980px) {
  .site-header { position: relative; }
  .nav-cluster { display: none; }
  .menu-toggle { display: inline-flex; }
  .mobile-panel { display: block; }
  .header-grid { grid-template-columns: auto 1fr auto; }
  .page-hero { min-height: auto; padding-bottom: 0; }
  .page-hero-grid { grid-template-columns: 1fr; gap: 26px; min-height: auto; padding-top: 52px; padding-bottom: 36px; }
  .hero-copy { max-width: 680px; padding: 0; }
  .hero-copy h1 { max-width: 14ch; }
  .hero-image { position: absolute; inset: 0; width: 100%; opacity: .16; }
  .hero-image::before { background: linear-gradient(90deg, rgba(244,248,251,.97), rgba(244,248,251,.78)); }
  .hero-form { width: min(100%, 520px); justify-self: start; transform: none; }
  .hero-rail { position: relative; }
  .intro-grid, .editorial-grid, .process-grid, .prep-grid,
  .statement-grid, .story-grid, .numbers-grid, .mid-band-grid,
  .insurance-overview-grid, .insurance-dark-grid, .insurance-process-grid,
  .home-property-grid, .home-dark-grid, .home-prep-grid,
  .life-people-grid, .life-horizon-grid, .life-prep-grid,
  .travel-context-grid, .travel-compare-grid, .travel-route-grid,
  .how-signal-grid, .how-route-track, .how-kit-grid,
  .contact-hero-grid, .contact-grid, .contact-prep-grid,
  .business-grid, .business-dark-grid, .business-prep-grid,
  .bristol-grid, .bristol-dark-grid, .bristol-prep-grid,
  .legal-grid, .manifesto-grid { grid-template-columns: 1fr !important; }
  .statement-image { width: 100%; opacity: .24; }
  .statement-grid { min-height: auto; }
  .statement-copy, .statement-points { max-width: 100%; }
  .mosaic-grid, .insurance-topic-grid, .home-room-grid, .life-anchor-grid,
  .travel-focus-grid, .business-lens-grid, .bristol-question-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .numbers-list, .mid-band-cards { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .story-copy { min-height: auto; }
  .process-photo img, .intro-stack img, .editorial-photo img, .prep-image img { height: clamp(320px, 54vw, 520px); }
  .site-footer .footer-grid, .footer-grid { grid-template-columns: repeat(2, minmax(0,1fr)); gap: 34px; }
}

@media (max-width: 760px) {
  :root { --section-space: 64px; }
  .shell { width: min(100% - 32px, 680px); }
  .site-header .shell { width: min(100% - 28px, 680px); }
  h1, .hero-copy h1 { max-width: 13ch; font-size: clamp(2rem, 9vw, 2.7rem); line-height: 1.03; }
  h2 { max-width: 20ch; font-size: clamp(1.55rem, 6.8vw, 2rem); }
  .hero-form { width: 100%; padding: 22px; }
  .hero-actions, .process-actions, .life-prep-actions { gap: 12px; }
  .btn, .call-pill, .form-call { min-height: 44px; }
  .mosaic-grid, .insurance-topic-grid, .home-room-grid, .life-anchor-grid,
  .travel-focus-grid, .numbers-list, .mid-band-cards,
  .business-lens-grid, .bristol-question-grid,
  .site-footer .footer-grid, .footer-grid { grid-template-columns: 1fr !important; }
  .feature-card, .insurance-topic-card, .life-anchor-grid > *, .home-room-grid > *,
  .travel-focus-grid > *, .business-lens-grid > *, .bristol-question-grid > * { min-height: auto !important; }
  .statement-grid { padding: 58px 0; }
  .statement-points article { min-height: auto; }
  .story-cards article { flex-basis: 88%; }
  .rail-marquee-track span { min-height: 50px; padding-inline: 18px; }
  .faq-list button, .faq-list summary { min-height: 56px; padding-left: 48px; padding-right: 14px; }
  .faq-list p { padding-left: 48px; padding-right: 18px; }
  .closing-cta > .shell { flex-direction: column; align-items: flex-start; gap: 22px; }
  .closing-cta > .shell > a { width: 100%; justify-content: center; }
  .site-footer { overflow: hidden; }
  .mobile-call { display: flex; }
}

@media (max-width: 520px) {
  .shell { width: min(100% - 24px, 480px); }
  .site-header .shell { width: min(100% - 20px, 480px); }
  .brand-logo { max-width: 132px; }
  .call-pill { display: none; }
  .page-hero-grid { padding-top: 38px; }
  .hero-copy h1 { font-size: clamp(1.9rem, 10vw, 2.35rem); }
  .hero-copy p, .section-head p { font-size: 13px; }
  .hero-actions { align-items: stretch; }
  .hero-actions .btn, .hero-actions .text-link { width: 100%; justify-content: center; }
  .eyebrow, .form-eyebrow { font-size: 8px; letter-spacing: .1em; }
  .feature-card, .insurance-topic-card { padding: 20px; }
  .intro-quote, .photo-tag, .floating-chip { max-width: calc(100% - 24px); left: 12px; right: auto; }
  .story-cards article { flex-basis: 92%; }
  .slider-arrow { width: 38px; height: 38px; }
  .faq-list > *::before { left: 14px; }
  .faq-list button, .faq-list summary { padding-left: 44px; font-size: 12px; }
  .faq-list p { padding-left: 44px; font-size: 11.5px; }
  .footer-legal, .footer-bottom { flex-direction: column; align-items: flex-start; gap: 10px; }
}

@media (hover: none) and (pointer: coarse) {
  .feature-card:hover, .insurance-topic-card:hover, .statement-points article:hover,
  .mid-band-cards article:hover, .number-card:hover { transform: none; }
  .slider-track { -webkit-overflow-scrolling: touch; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  [data-reveal], [data-image-reveal] { opacity: 1 !important; transform: none !important; clip-path: none !important; }
}


/* V23 homepage spacing refinements */
.mid-band .mid-action-card .mid-card-call {
  width: 100%;
  min-height: 40px;
  margin-top: 18px;
  padding: 0 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-pill);
  background: #fff;
  color: var(--blue-950);
  font-size: 10.5px;
  font-weight: 850;
}
.mid-band .mid-action-card p {
  margin-bottom: 0;
}
.numbers-intro {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.numbers-support {
  max-width: 43ch;
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 12.5px;
  line-height: 1.62;
}
.numbers-mini-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 16px 0 20px;
}
.numbers-mini-list span {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
  padding: 0 11px;
  border: 1px solid #cbdce8;
  border-radius: var(--radius-pill);
  background: rgba(255,255,255,.72);
  color: var(--blue-900);
  font-size: 10.5px;
  font-weight: 800;
}
.number-card .number-call-btn {
  width: 100%;
  min-height: 38px;
  margin-top: 16px;
  padding: 0 14px;
}
@media (max-width: 720px) {
  .mid-band .mid-action-card .mid-card-call,
  .number-card .number-call-btn {
    width: 100%;
  }
  .numbers-mini-list {
    gap: 7px;
    margin-bottom: 18px;
  }
}


/* V25 approved Mycoverage logo + mobile header call */
.brand-logo {
  width: 176px;
  max-height: 46px;
  object-fit: contain;
  object-position: left center;
}
.footer-v20-brand .brand--light {
  width: fit-content;
  padding: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}
.footer-v20-brand .brand-logo {
  width: 178px;
  max-height: 48px;
}
.mobile-header-call { display: none; }

@media (max-width: 980px) {
  .site-header { position: sticky; top: 0; }
  .header-grid {
    grid-template-columns: minmax(118px, 1fr) auto 44px;
    gap: 10px;
  }
  .desktop-nav { display: none !important; }
  .header-actions .call-pill { display: none; }
  .header-actions { justify-self: end; }
  .mobile-header-call {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 7px;
    min-height: 40px;
    padding: 0 14px;
    border-radius: 999px;
    background: var(--blue-950);
    color: #fff;
    font-size: 10px;
    font-weight: 850;
    white-space: nowrap;
    box-shadow: 0 7px 18px rgba(6,43,74,.16);
  }
  .mobile-header-call svg { width: 14px; height: 14px; flex: none; }
  .menu-toggle { justify-self: end; }
  .mobile-panel {
    position: absolute;
    top: 76px;
    left: 14px;
    right: 14px;
    display: grid !important;
    grid-template-columns: repeat(2, minmax(0,1fr));
    gap: 6px;
    max-height: calc(100vh - 96px);
    overflow-y: auto;
    padding: 14px;
    border: 1px solid var(--line);
    border-radius: 0 0 16px 16px;
    background: #fff;
    box-shadow: 0 22px 48px rgba(6,43,74,.16);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: opacity .22s ease, visibility .22s ease, transform .25s var(--ease);
  }
  .site-header.menu-open .mobile-panel {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }
  .mobile-panel a {
    display: flex;
    align-items: center;
    min-height: 40px;
    padding: 9px 11px;
    border-radius: 9px;
    background: #f8fbfd;
  }
}

@media (max-width: 760px) {
  .site-header { height: 68px; }
  .header-grid { height: 68px; grid-template-columns: minmax(102px,1fr) auto 42px; gap: 8px; }
  .brand-logo { width: 126px; max-height: 38px; }
  .mobile-header-call { min-height: 38px; padding: 0 11px; font-size: 9px; }
  .mobile-panel { top: 68px; }
}

@media (max-width: 540px) {
  .site-header .shell { width: calc(100% - 16px); }
  .header-grid { grid-template-columns: minmax(92px,1fr) auto 40px; gap: 6px; }
  .brand-logo { width: 112px; max-height: 34px; }
  .mobile-header-call { min-height: 36px; padding: 0 9px; font-size: 8.5px; gap: 5px; }
  .mobile-header-call svg { width: 12px; height: 12px; }
  .menu-toggle { width: 38px; height: 38px; }
  .mobile-panel { left: 8px; right: 8px; grid-template-columns: 1fr; padding: 10px; }
  .mobile-panel a { min-height: 38px; font-size: 11px; }
}

@media (max-width: 390px) {
  .brand-logo { width: 98px; }
  .mobile-header-call span { font-size: 0; }
  .mobile-header-call span::after { content: "Call (845) 703-5425"; font-size: 8px; }
  .mobile-header-call { padding-inline: 7px; }
}


/* V28 homepage mid-band CTA spacing */
.mid-band-grid > div:first-child > .btn {
  margin-top: 24px;
}
.mid-band .mid-action-card .mid-card-call {
  margin-top: 26px;
}