/* ==========================================================================
   1. DESIGN TOKENS
   Brand direction: "Midnight & Mint" — deep private-bank navy for authority,
   a luminous mint/emerald for growth and CTAs, warm sand for editorial warmth.
   ========================================================================== */
:root{
  /* Brand */
  --ink:#07182E;            /* primary navy — text + dark surfaces */
  --ink-700:#0E2B4D;
  --ink-500:#254365;
  --ink-300:#5B7392;
  --ink-200:#8FA3BC;

  --mint:#00C58E;           /* accent — growth, CTAs, highlights */
  --mint-600:#00A578;
  --mint-700:#007D5B;
  --mint-100:#DFF7EE;

  --sand:#F2B33D;           /* warm secondary — stars, badges, underlines */
  --sand-100:#FFF3DC;

  /* Surfaces */
  --bg:#FFFFFF;
  --bg-soft:#F4F7FA;
  --bg-mist:#EDF2F7;
  --line:rgba(7,24,46,.10);
  --line-strong:rgba(7,24,46,.16);
  --line-dark:rgba(255,255,255,.14);

  /* Typography */
  --font-sans:-apple-system,BlinkMacSystemFont,"Segoe UI Variable Text","Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --font-serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,ui-serif,serif;
  --font-num:ui-monospace,"SF Mono","Segoe UI Mono",Menlo,monospace;

  /* Fluid type scale */
  --t-display:clamp(2.55rem,1.45rem + 4.4vw,4.9rem);
  --t-h1:clamp(2.2rem,1.35rem + 3.2vw,3.7rem);
  --t-h2:clamp(1.85rem,1.25rem + 2.2vw,3rem);
  --t-h3:clamp(1.25rem,1.08rem + .72vw,1.65rem);
  --t-lead:clamp(1.05rem,.99rem + .38vw,1.25rem);
  --t-body:1.0625rem;
  --t-sm:.9375rem;
  --t-xs:.8125rem;

  /* Space + shape */
  --section-y:clamp(4.5rem,3rem + 6.5vw,8.5rem);
  --gutter:clamp(1.15rem,.6rem + 2.4vw,2.5rem);
  --maxw:1220px;
  --maxw-narrow:820px;
  --r-sm:10px;
  --r-md:16px;
  --r-lg:24px;
  --r-xl:32px;
  --r-pill:999px;

  /* Elevation */
  --sh-1:0 1px 2px rgba(7,24,46,.06),0 2px 8px rgba(7,24,46,.05);
  --sh-2:0 4px 12px rgba(7,24,46,.07),0 14px 34px rgba(7,24,46,.08);
  --sh-3:0 10px 24px rgba(7,24,46,.09),0 30px 70px rgba(7,24,46,.13);
  --sh-mint:0 10px 24px rgba(0,165,120,.28);

  /* Motion */
  --ease:cubic-bezier(.22,.72,.28,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
  --dur:.42s;

  --header-h:78px;

  /* Provider logo artwork, declared once so the marquee markup can
     repeat the set without repeating the payload */
  --p-aviva:url("/assets/p-aviva.svg");
  --p-standard-life:url("/assets/p-standard-life.svg");
  --p-landg:url("/assets/p-landg.svg");
  --p-scottish-widows:url("/assets/p-scottish-widows.svg");
  --p-royal-london:url("/assets/p-royal-london.svg");
  --p-aegon:url("/assets/p-aegon.svg");
  --p-nest:url("/assets/p-nest.svg");

  /* Official logo artwork (white-on-transparent PNG, 604×97) */
  --logo-url:url("/assets/logo-url.png");
}

/* ==========================================================================
   2. RESET & BASE
   ========================================================================== */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 18px)}
body{
  margin:0;
  font-family:var(--font-sans);
  font-size:var(--t-body);
  line-height:1.65;
  color:var(--ink-700);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
body.is-locked{overflow:hidden}
h1,h2,h3,h4,h5{
  margin:0 0 .5em;
  color:var(--ink);
  font-weight:800;
  line-height:1.1;
  letter-spacing:-.028em;
  text-wrap:balance;
}
h1{font-size:var(--t-h1)}
h2{font-size:var(--t-h2)}
h3{font-size:var(--t-h3);letter-spacing:-.018em;line-height:1.25}
h4{font-size:1.0625rem;letter-spacing:-.01em}
p{margin:0 0 1.15em;text-wrap:pretty}
p:last-child{margin-bottom:0}
a{color:var(--mint-700);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--mint-600)}
img{max-width:100%;height:auto;display:block}
ul,ol{margin:0 0 1.15em;padding-left:1.15em}
li{margin-bottom:.4em}
strong{font-weight:700;color:var(--ink)}
small{font-size:var(--t-xs)}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
button{font:inherit;color:inherit;cursor:pointer}
:focus-visible{outline:3px solid var(--mint-600);outline-offset:3px;border-radius:4px}

/* Skip link — first tab stop for keyboard + screen-reader users */
.skip-link{
  position:absolute;left:12px;top:-70px;z-index:200;
  background:var(--ink);color:#fff;padding:.75rem 1.25rem;border-radius:var(--r-sm);
  font-weight:700;transition:top .25s var(--ease);
}
.skip-link:focus{top:12px;color:#fff}
.sr-only{
  position:absolute;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;
}

/* ==========================================================================
   3. LAYOUT PRIMITIVES
   ========================================================================== */
.container{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.container--narrow{max-width:var(--maxw-narrow)}
.section{padding-block:var(--section-y);position:relative}
.section--soft{background:var(--bg-soft)}
.section--mist{background:linear-gradient(180deg,var(--bg-soft) 0%,#fff 100%)}
.section--dark{background:var(--ink);color:#C9D8EA}
.section--dark h2,.section--dark h3,.section--dark h4{color:#fff}
.section--tight{padding-block:clamp(3rem,2rem + 3vw,4.5rem)}
.grid{display:grid;gap:clamp(1rem,.6rem + 1.4vw,1.75rem)}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.split{
  display:grid;grid-template-columns:1.02fr .98fr;
  gap:clamp(2rem,1rem + 4vw,4.75rem);align-items:center;
}
.split--reverse .split__media{order:2}
.stack-sm>*+*{margin-top:.75rem}
.center{text-align:center}
.mt-2{margin-top:2rem}
.mt-3{margin-top:3rem}

/* Section headers */
.sec-head{max-width:760px;margin-bottom:clamp(2.25rem,1.5rem + 2vw,3.5rem)}
.sec-head--center{margin-inline:auto;text-align:center}
.sec-head p{color:var(--ink-500);font-size:var(--t-lead);line-height:1.6}
.section--dark .sec-head p{color:#9FB6D0}

.eyebrow{
  display:inline-flex;align-items:center;gap:.55rem;
  font-size:.75rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:var(--mint-700);margin-bottom:1rem;
}
.eyebrow::before{
  content:"";width:26px;height:2px;border-radius:2px;
  background:linear-gradient(90deg,var(--mint),var(--sand));
}
.sec-head--center .eyebrow{justify-content:center}
.section--dark .eyebrow{color:var(--mint)}

/* Mint marker under a key word in a heading */
/* Highlighter stroke that animates in behind a key word (painted as a
   background image so it always sits behind the text, on any surface) */
.mark{
  color:inherit;
  background-image:linear-gradient(90deg,rgba(0,197,142,.34),rgba(242,179,61,.34));
  background-repeat:no-repeat;background-position:0 88%;background-size:0% .32em;
  transition:background-size .8s var(--ease-out) .2s;
  padding-inline:.04em;
  /* Each wrapped line gets its own stroke rather than one stretched box */
  -webkit-box-decoration-break:clone;box-decoration-break:clone;
}
.is-in .mark,.hero .mark{background-size:100% .32em}
.mark--dark{background-image:linear-gradient(90deg,rgba(0,197,142,.55),rgba(0,197,142,.14))}
.text-mint{color:var(--mint-600)}

/* ==========================================================================
   4. BUTTONS & PILLS
   ========================================================================== */
.btn{
  --btn-bg:var(--mint-600);--btn-fg:#fff;
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.95rem 1.6rem;border:1px solid transparent;border-radius:var(--r-pill);
  background:var(--btn-bg);color:var(--btn-fg);
  font-size:.9688rem;font-weight:700;letter-spacing:-.01em;line-height:1;
  text-align:center;cursor:pointer;position:relative;overflow:hidden;
  transition:transform .22s var(--ease),box-shadow .28s var(--ease),background .22s var(--ease),color .22s var(--ease),border-color .22s var(--ease);
  will-change:transform;
}
.btn:hover{transform:translateY(-2px);color:var(--btn-fg)}
.btn:active{transform:translateY(0)}
.btn svg{width:18px;height:18px;flex:none}
/* Sheen sweep on hover — subtle premium micro-interaction */
.btn::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(115deg,transparent 35%,rgba(255,255,255,.28) 50%,transparent 65%);
  transform:translateX(-120%);transition:transform .7s var(--ease-out);
}
.btn:hover::after{transform:translateX(120%)}

.btn--primary{background:linear-gradient(135deg,var(--mint) 0%,var(--mint-600) 55%,var(--mint-700) 100%);box-shadow:var(--sh-mint)}
.btn--primary:hover{box-shadow:0 14px 34px rgba(0,165,120,.4)}
.btn--dark{background:var(--ink);box-shadow:0 8px 22px rgba(7,24,46,.24)}
.btn--dark:hover{background:var(--ink-700)}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn--ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn--ghost-light{background:rgba(255,255,255,.06);color:#fff;border-color:var(--line-dark);backdrop-filter:blur(6px)}
.btn--ghost-light:hover{background:#fff;color:var(--ink);border-color:#fff}
.btn--white{background:#fff;color:var(--ink);box-shadow:var(--sh-2)}
.btn--white:hover{color:var(--ink)}
.btn--lg{padding:1.1rem 2rem;font-size:1.0313rem}
.btn--sm{padding:.7rem 1.15rem;font-size:.875rem}
.btn--block{display:flex;width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:.85rem;align-items:center}
.btn-row--center{justify-content:center}

.pill{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.4rem .85rem;border-radius:var(--r-pill);
  background:var(--mint-100);color:var(--mint-700);
  font-size:var(--t-xs);font-weight:700;letter-spacing:.01em;
}
.pill--sand{background:var(--sand-100);color:#8A5B00}
.pill--glass{background:rgba(255,255,255,.1);color:#fff;border:1px solid var(--line-dark);backdrop-filter:blur(8px)}

/* ==========================================================================
   5. HEADER / NAVIGATION
   ========================================================================== */
.header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.86);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;
  transition:box-shadow .3s var(--ease),border-color .3s var(--ease),background .3s var(--ease);
}
.header.is-stuck{box-shadow:0 4px 24px rgba(7,24,46,.08);border-bottom-color:var(--line)}
.header__inner{display:flex;align-items:center;gap:1.25rem;min-height:var(--header-h)}

/* Scroll progress indicator */
.progress{position:absolute;left:0;bottom:-1px;height:2px;width:100%;background:transparent;overflow:hidden}
.progress__bar{height:100%;width:0;background:linear-gradient(90deg,var(--mint),var(--sand));transition:width .1s linear}

/* Logo — the official MyPensionAdvisor artwork, embedded as a data URI.
   The supplied file is white-on-transparent, so it is used as a CSS mask:
   the alpha channel gives the exact shape and `background-color` paints it,
   letting one asset render navy on light surfaces and white on dark ones. */
.logo{display:inline-flex;align-items:center;flex:none}
.logo__img{
  display:block;
  width:auto;height:34px;aspect-ratio:604/97;   /* native artwork ratio */
  background-color:var(--ink);
  -webkit-mask:var(--logo-url) no-repeat center/contain;
          mask:var(--logo-url) no-repeat center/contain;
  transition:background-color .25s var(--ease),opacity .25s var(--ease);
}
.logo:hover .logo__img{opacity:.82}
.logo--light .logo__img{background-color:#fff}
/* Fallback for engines without mask support: use the artwork directly and
   darken it for light backgrounds. */
@supports not ((-webkit-mask-image:none) or (mask-image:none)){
  .logo__img{background:var(--logo-url) no-repeat center/contain;filter:brightness(0)}
  .logo--light .logo__img{filter:none}
}
@media (max-width:980px){ .logo__img{height:29px} }

.nav{margin-left:auto;display:flex;align-items:center;gap:.15rem}
.nav__link{
  position:relative;padding:.6rem .82rem;border-radius:var(--r-sm);
  color:var(--ink-700);font-size:.9375rem;font-weight:650;letter-spacing:-.01em;
  white-space:nowrap;
  transition:color .2s var(--ease),background .2s var(--ease);
}
.nav__link:hover{color:var(--ink);background:rgba(7,24,46,.045)}
.nav__link::after{
  content:"";position:absolute;left:.82rem;right:.82rem;bottom:.32rem;height:2px;
  border-radius:2px;background:var(--mint);
  transform:scaleX(0);transform-origin:center;transition:transform .3s var(--ease);
}
.nav__link.is-active{color:var(--ink)}
.nav__link.is-active::after{transform:scaleX(1)}
.header__cta{display:flex;align-items:center;gap:.6rem;margin-left:.75rem}
/* Header controls must never break across two lines */
.header__cta .btn{white-space:nowrap;flex:none}
.header__phone{
  display:inline-flex;align-items:center;gap:.5rem;flex:none;
  font-weight:800;color:var(--ink);font-size:.9375rem;letter-spacing:-.01em;
  padding:.55rem .7rem;border-radius:var(--r-sm);white-space:nowrap;
}
.header__phone:hover{color:var(--mint-700);background:var(--mint-100)}
.header__phone svg{width:17px;height:17px;color:var(--mint-600)}

/* Hamburger */
.burger{
  display:none;width:46px;height:46px;flex:none;margin-left:auto;
  flex-direction:column;align-items:center;justify-content:center;
  border:1px solid var(--line-strong);border-radius:12px;background:#fff;
  padding:0;transition:background .2s var(--ease),border-color .2s var(--ease);
}
.burger:hover{border-color:var(--ink-200)}
.burger span{display:block;width:19px;height:2px;background:var(--ink);border-radius:2px;transition:transform .32s var(--ease),opacity .2s var(--ease)}
.burger span+span{margin-top:5px}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Mobile drawer */
.drawer{
  position:fixed;inset:0;z-index:99;
  background:var(--ink);color:#fff;
  padding:calc(var(--header-h) + 2.25rem) var(--gutter) 2.5rem;
  display:flex;flex-direction:column;gap:.25rem;
  transform:translateY(-100%);opacity:0;visibility:hidden;
  transition:transform .48s var(--ease-out),opacity .3s var(--ease),visibility .48s;
  overflow-y:auto;
}
.drawer.is-open{transform:translateY(0);opacity:1;visibility:visible}
.drawer__link{
  display:flex;align-items:center;justify-content:space-between;
  padding:1rem .25rem;border-bottom:1px solid rgba(255,255,255,.1);
  color:#fff;font-size:1.35rem;font-weight:700;letter-spacing:-.025em;
  opacity:0;transform:translateY(14px);
}
.drawer.is-open .drawer__link{animation:drawerIn .5s var(--ease-out) forwards}
.drawer__link span{color:var(--mint);font-size:1rem}
.drawer__footer{margin-top:auto;padding-top:2rem;display:grid;gap:.75rem}
@keyframes drawerIn{to{opacity:1;transform:translateY(0)}}

/* ==========================================================================
   6. HERO
   ========================================================================== */
.hero{
  position:relative;isolation:isolate;overflow:hidden;
  background:var(--ink);color:#CFDEEE;
  padding-block:clamp(3.25rem,2rem + 6vw,5.5rem) clamp(3.5rem,2rem + 6vw,5.75rem);
}
.hero__bg{position:absolute;inset:0;z-index:-2;overflow:hidden}
/* Aurora blobs — the signature brand motion */
.blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5;will-change:transform}
.blob--1{width:min(46vw,620px);aspect-ratio:1;background:radial-gradient(circle,#00C58E,transparent 68%);top:-16%;right:-8%;animation:float1 22s ease-in-out infinite}
.blob--2{width:min(38vw,520px);aspect-ratio:1;background:radial-gradient(circle,#1C63C4,transparent 66%);bottom:-22%;left:-10%;opacity:.42;animation:float2 26s ease-in-out infinite}
.blob--3{width:min(24vw,320px);aspect-ratio:1;background:radial-gradient(circle,#F2B33D,transparent 66%);top:44%;left:38%;opacity:.16;animation:float1 30s ease-in-out infinite reverse}
@keyframes float1{0%,100%{transform:translate3d(0,0,0) scale(1)}50%{transform:translate3d(-5%,7%,0) scale(1.12)}}
@keyframes float2{0%,100%{transform:translate3d(0,0,0) scale(1)}50%{transform:translate3d(7%,-6%,0) scale(1.1)}}
/* Fine grid overlay for engineered precision */
.hero__grid{
  position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(ellipse 90% 70% at 50% 0%,#000 20%,transparent 78%);
  mask-image:radial-gradient(ellipse 90% 70% at 50% 0%,#000 20%,transparent 78%);
}
.hero__inner{display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(2rem,1rem + 4vw,4rem);align-items:center}
.hero h1{
  color:#fff;font-size:var(--t-display);line-height:1.02;letter-spacing:-.04em;
  margin-bottom:1.15rem;
}
.hero__lead{font-size:var(--t-lead);color:#B4C9DF;max-width:35ch;margin-bottom:1.85rem;line-height:1.6}
.hero__actions{margin-bottom:.5rem}
/* One grid holds both hero buttons and the four trust points. Because they
   share column tracks, each claim lines up exactly under the button above it:
   column 1 sits under "Call…", column 2 under "Book free consultation". */
.hero__actions{
  display:grid;grid-template-columns:max-content max-content;
  gap:.85rem 1.15rem;justify-items:start;align-items:center;
}
.hero__actions .btn{justify-self:start}
.hero__rule{
  grid-column:1/-1;width:100%;height:1px;
  background:var(--line-dark);margin:.9rem 0 .1rem;
}
/* display:contents lets the list items become cells of the grid above;
   the explicit roles keep the list semantics for assistive tech. */
ul.hero__trust{display:contents;list-style:none;padding:0;margin:0}
.hero__trust li{
  display:flex;align-items:center;gap:.55rem;margin:0;
  font-size:var(--t-sm);color:#B4C9DF;font-weight:600;white-space:nowrap;
}
.hero__trust svg{width:18px;height:18px;color:var(--mint);flex:none}

/* Hero badge row: trust pill + Google review stamp, side by side */
.hero__badges{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem}
.g-stamp{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.34rem .78rem .34rem .4rem;border-radius:var(--r-pill);
  background:#fff;border:1px solid rgba(7,24,46,.1);
  box-shadow:0 2px 10px rgba(0,0,0,.18);
  color:var(--ink);text-decoration:none;line-height:1;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease);
}
.g-stamp:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(0,0,0,.26);color:var(--ink)}
.g-stamp__logo{
  width:24px;height:24px;flex:none;border-radius:50%;
  background:#fff;display:grid;place-items:center;
}
.g-stamp__logo svg{width:15px;height:15px}
.g-stamp__score{
  display:inline-flex;align-items:center;gap:.12rem;
  font-size:.875rem;font-weight:850;letter-spacing:-.02em;color:var(--ink);
}
.g-stamp__score i{font-style:normal;color:#F5B400;font-size:.9rem;line-height:1}
.g-stamp__label{
  font-size:var(--t-xs);font-weight:650;color:var(--ink-500);
  padding-left:.5rem;border-left:1px solid rgba(7,24,46,.12);
}

/* Hero form card */
.hero-card{
  background:rgba(255,255,255,.97);
  border-radius:var(--r-xl);padding:clamp(1.5rem,1rem + 1.6vw,2.15rem);
  box-shadow:0 30px 80px rgba(0,0,0,.4);
  color:var(--ink-700);position:relative;
}
.hero-card__badge{
  position:absolute;top:-14px;left:clamp(1.5rem,1rem + 1.6vw,2.15rem);
  background:linear-gradient(135deg,var(--sand),#E09A17);color:#3A2600;
  padding:.4rem .9rem;border-radius:var(--r-pill);
  font-size:.6875rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  box-shadow:0 6px 16px rgba(242,179,61,.4);
}
.hero-card h2{font-size:1.4rem;margin-bottom:.35rem;letter-spacing:-.026em}
.hero-card__sub{font-size:var(--t-sm);color:var(--ink-500);margin-bottom:1.25rem}
.hero-card__foot{
  margin-top:1rem;font-size:var(--t-xs);color:var(--ink-300);
  display:flex;align-items:flex-start;gap:.45rem;line-height:1.5;
}
.hero-card__foot a{color:var(--mint-700);font-weight:700;text-decoration:underline}
.hero-card__foot svg{width:14px;height:14px;color:var(--mint-600);flex:none;margin-top:2px}

/* Floating stat card */
.hero-float{
  position:absolute;right:-14px;bottom:-52px;z-index:3;
  background:var(--ink-700);border:1px solid var(--line-dark);
  border-radius:var(--r-lg);padding:.9rem 1.1rem;
  box-shadow:0 20px 44px rgba(0,0,0,.4);
  display:flex;align-items:center;gap:.75rem;
  animation:bob 6s ease-in-out infinite;
}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.hero-float__icon{
  width:38px;height:38px;border-radius:11px;flex:none;display:grid;place-items:center;
  background:rgba(0,197,142,.16);color:var(--mint);
}
.hero-float__icon svg{width:20px;height:20px}
.hero-float b{display:block;color:#fff;font-size:1.05rem;line-height:1.2}
.hero-float span{font-size:var(--t-xs);color:#9FB6D0}

/* ==========================================================================
   7. FORMS
   ========================================================================== */
.field{margin-bottom:.95rem;position:relative}
.field:last-of-type{margin-bottom:1.25rem}
.field label{
  display:block;font-size:.8125rem;font-weight:700;color:var(--ink-700);
  margin-bottom:.4rem;letter-spacing:.005em;
}
.field .req{color:#D6455B}
.field input,.field select,.field textarea{
  width:100%;padding:.85rem 1rem;font:inherit;font-size:.9688rem;color:var(--ink);
  background:#fff;border:1.5px solid var(--line-strong);border-radius:var(--r-sm);
  transition:border-color .2s var(--ease),box-shadow .2s var(--ease),background .2s var(--ease);
  -webkit-appearance:none;appearance:none;
}
.field textarea{min-height:130px;resize:vertical;line-height:1.6}
.field select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23254365' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right .85rem center;background-size:17px;
  padding-right:2.5rem;cursor:pointer;
}
.field input:hover,.field select:hover,.field textarea:hover{border-color:var(--ink-200)}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--mint-600);box-shadow:0 0 0 4px rgba(0,197,142,.15);
}
.field input::placeholder,.field textarea::placeholder{color:#9AAABE}
.field.has-error input,.field.has-error select,.field.has-error textarea{
  border-color:#D6455B;box-shadow:0 0 0 4px rgba(214,69,91,.12);
}
.field__error{
  display:none;color:#C43A50;font-size:var(--t-xs);font-weight:600;margin-top:.35rem;
}
.field.has-error .field__error{display:block}
/* Shown only when a submission actually fails, never as a false success */
.form-error{
  margin-top:1rem;padding:.9rem 1rem;border-radius:var(--r-sm);
  background:#FDECEE;border:1px solid rgba(196,58,80,.28);
  color:#8E2237;font-size:var(--t-xs);line-height:1.6;
}
.form-error a{color:#8E2237;font-weight:800;text-decoration:underline}
.form-consent{margin-top:.9rem;font-size:var(--t-xs);color:var(--ink-300);line-height:1.55}
.form-consent a{font-weight:700;text-decoration:underline}
.form-consent--light{color:#8FA8C4}
.form-consent--light a{color:#C9D8EA}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:.85rem}

.checkbox{display:flex;gap:.65rem;align-items:flex-start;font-size:var(--t-xs);color:var(--ink-500);line-height:1.55;margin-bottom:1.15rem}
.checkbox input{width:18px;height:18px;flex:none;margin-top:2px;accent-color:var(--mint-600);cursor:pointer}

/* Success state */
.form-success{display:none;text-align:center;padding:1.5rem .5rem}
.form-success.is-visible{display:block;animation:popIn .5s var(--ease-out)}
.form-success__icon{
  width:62px;height:62px;margin:0 auto 1.15rem;border-radius:50%;
  background:var(--mint-100);color:var(--mint-700);display:grid;place-items:center;
}
.form-success__icon svg{width:30px;height:30px}
.form-success h3{margin-bottom:.5rem}
.form-success p{color:var(--ink-500);font-size:var(--t-sm)}
@keyframes popIn{from{opacity:0;transform:scale(.94)}to{opacity:1;transform:scale(1)}}
.is-submitting{opacity:.6;pointer-events:none}

/* ==========================================================================
   8. CARDS
   ========================================================================== */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(1.35rem,1rem + 1vw,1.9rem);
  position:relative;overflow:hidden;height:100%;
  transition:transform .34s var(--ease),box-shadow .34s var(--ease),border-color .34s var(--ease);
}
.card::before{
  content:"";position:absolute;left:0;right:0;top:0;height:3px;
  background:linear-gradient(90deg,var(--mint),var(--sand));
  transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease-out);
}
.card:hover{transform:translateY(-6px);box-shadow:var(--sh-3);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card h3{margin-bottom:.5rem}
.card p{color:var(--ink-500);font-size:var(--t-sm);line-height:1.65}
.card__icon{
  width:52px;height:52px;border-radius:15px;margin-bottom:1.15rem;
  display:grid;place-items:center;flex:none;
  background:linear-gradient(140deg,var(--mint-100),#EAF7F3);
  color:var(--mint-700);
  transition:transform .34s var(--ease),background .34s var(--ease),color .34s var(--ease);
}
.card__icon svg{width:26px;height:26px}
.card:hover .card__icon{
  transform:scale(1.06) rotate(-4deg);
  background:linear-gradient(140deg,var(--mint),var(--mint-600));color:#fff;
}
.card__link{
  display:inline-flex;align-items:center;gap:.4rem;margin-top:1.1rem;
  font-size:var(--t-sm);font-weight:700;color:var(--mint-700);
}
.card__link svg{width:15px;height:15px;transition:transform .28s var(--ease)}
.card:hover .card__link svg{transform:translateX(4px)}

.card--dark{background:rgba(255,255,255,.04);border-color:var(--line-dark);color:#B4C9DF}
.card--dark p{color:#9FB6D0}
.card--dark .card__icon{background:rgba(0,197,142,.14);color:var(--mint)}
.card--dark:hover{background:rgba(255,255,255,.07)}

.card--feature{
  background:linear-gradient(150deg,var(--ink-700),var(--ink));
  border-color:transparent;color:#B4C9DF;
}
.card--feature h3{color:#fff}
.card--feature p{color:#9FB6D0}
.card--feature .card__icon{background:rgba(0,197,142,.16);color:var(--mint)}

/* ==========================================================================
   9. MEDIA / IMAGES
   ========================================================================== */
.media{position:relative;border-radius:var(--r-xl);overflow:hidden;background:var(--bg-mist)}
.media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .9s var(--ease-out)}
.media:hover img{transform:scale(1.045)}
.media--tall{aspect-ratio:4/5}
.media--wide{aspect-ratio:16/11}
.media--square{aspect-ratio:1}
.media::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  box-shadow:inset 0 0 0 1px rgba(7,24,46,.07);border-radius:inherit;
}
/* Graceful fallback if an image URL fails — brand gradient instead of a broken icon */
.media.img-failed img{display:none}
.media.img-failed{background:linear-gradient(140deg,var(--ink-700),var(--ink))}
.media.img-failed::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:34px 34px;
}
.media-stack{position:relative}
.media-stack::before{
  content:"";position:absolute;inset:auto -16px -16px 22px;height:70%;
  border-radius:var(--r-xl);background:linear-gradient(140deg,var(--mint-100),var(--sand-100));
  z-index:-1;
}

/* Badge overlaid on imagery */
.media-badge{
  position:absolute;left:1.15rem;bottom:1.15rem;right:1.15rem;
  background:rgba(255,255,255,.94);backdrop-filter:blur(12px);
  border-radius:var(--r-md);padding:.9rem 1.05rem;
  display:flex;align-items:center;gap:.85rem;box-shadow:var(--sh-2);
}
.media-badge__icon{width:40px;height:40px;border-radius:12px;background:var(--ink);color:var(--mint);display:grid;place-items:center;flex:none}
.media-badge__icon svg{width:21px;height:21px}
.media-badge b{display:block;color:var(--ink);font-size:.9375rem;line-height:1.3}
.media-badge span{font-size:var(--t-xs);color:var(--ink-300)}

/* ==========================================================================
   10. TRUST BAR / STATS
   ========================================================================== */
.trustbar{border-block:1px solid var(--line);background:#fff}
.trustbar__inner{padding-block:clamp(1.85rem,1.4rem + 1.4vw,2.75rem);text-align:center}
.trustbar__label{
  display:block;font-size:var(--t-xs);font-weight:800;letter-spacing:.13em;
  text-transform:uppercase;color:var(--ink-300);margin-bottom:clamp(1.35rem,1rem + 1vw,2rem);
}
/* Provider logo marquee — official vector artwork shown in full brand colour
   (several marks are white text knocked out of a coloured field, which a
   greyscale treatment would render illegible). Each logo carries its own
   optical height (--h) and native aspect ratio (--ar): the source artwork
   ranges from a 9:1 wordmark to a near-square roundel, so a single height
   would look badly unbalanced. */
.provider-marquee{
  --gap:clamp(2rem,1.4rem + 2.6vw,3.75rem);
  position:relative;overflow:hidden;
  /* Feather both ends so logos drift in and out instead of being clipped */
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
          mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
}
.provider-track{
  display:flex;width:max-content;
  animation:providerScroll 42s linear infinite;
  will-change:transform;
}
.provider-set{display:flex;align-items:center;gap:var(--gap);padding-right:var(--gap)}
.provider{
  display:block;flex:none;
  height:var(--h,28px);aspect-ratio:var(--ar,4);
  background:var(--src) no-repeat center/contain;
  opacity:.88;transition:opacity .35s var(--ease),transform .35s var(--ease);
}
.provider:hover{opacity:1;transform:translateY(-3px)}
/* The track carries three identical sets and travels exactly one set-width,
   so the loop restarts on an identical frame and the seam is invisible. */
@keyframes providerScroll{
  from{transform:translate3d(0,0,0)}
  to{transform:translate3d(-33.3333%,0,0)}
}
/* Let visitors stop the strip to read or inspect a mark */
.provider-marquee:hover .provider-track,
.provider-marquee:focus-within .provider-track{animation-play-state:paused}
.trustbar__note{
  margin:clamp(1.35rem,1rem + 1vw,1.9rem) auto 0;max-width:74ch;
  font-size:var(--t-xs);color:var(--ink-300);line-height:1.6;
}
@media (max-width:560px){
  .provider{height:calc(var(--h,28px) * .82)}
  .provider-marquee{--gap:1.75rem}
}

.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border-radius:var(--r-lg);overflow:hidden}
.stat{background:#fff;padding:clamp(1.35rem,1rem + 1vw,2rem);text-align:center}
.stat__num{
  font-size:clamp(2rem,1.4rem + 2.1vw,2.9rem);font-weight:850;letter-spacing:-.045em;
  color:var(--ink);line-height:1;margin-bottom:.4rem;
  background:linear-gradient(135deg,var(--ink) 30%,var(--mint-700));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.stat__label{font-size:var(--t-sm);color:var(--ink-500);font-weight:600;line-height:1.4}
.stats--dark{background:var(--line-dark)}
.stats--dark .stat{background:var(--ink)}
.stats--dark .stat__num{background:linear-gradient(135deg,#fff 30%,var(--mint));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stats--dark .stat__label{color:#9FB6D0}

/* ==========================================================================
   11. PROCESS STEPS
   ========================================================================== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(1.25rem,1rem + 1.5vw,2.25rem);position:relative}
.steps::before{
  content:"";position:absolute;top:34px;left:16%;right:16%;height:2px;
  background:repeating-linear-gradient(90deg,var(--line-strong) 0 8px,transparent 8px 16px);
  z-index:0;
}
.step{position:relative;z-index:1;text-align:center}
.step__num{
  width:68px;height:68px;margin:0 auto 1.35rem;border-radius:22px;
  display:grid;place-items:center;position:relative;
  background:#fff;border:1.5px solid var(--line-strong);
  font-size:1.4rem;font-weight:850;color:var(--ink);letter-spacing:-.03em;
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s var(--ease),background .4s var(--ease),color .4s var(--ease);
}
.step:hover .step__num{
  background:linear-gradient(140deg,var(--mint),var(--mint-700));color:#fff;
  border-color:transparent;transform:translateY(-5px) rotate(-5deg);box-shadow:var(--sh-mint);
}
.step h3{margin-bottom:.5rem}
.step p{color:var(--ink-500);font-size:var(--t-sm);max-width:34ch;margin-inline:auto}
.section--soft .steps::before{background:repeating-linear-gradient(90deg,var(--line-strong) 0 8px,transparent 8px 16px)}
.section--soft .step__num{background:#fff}

/* ==========================================================================
   12. CHECKLIST
   ========================================================================== */
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:.9rem}
.checklist li{display:flex;gap:.85rem;align-items:flex-start;margin:0;font-size:var(--t-sm);line-height:1.6}
.checklist__tick{
  width:24px;height:24px;border-radius:8px;flex:none;margin-top:1px;
  background:var(--mint-100);color:var(--mint-700);display:grid;place-items:center;
}
.checklist__tick svg{width:14px;height:14px}
.checklist b{display:block;color:var(--ink);margin-bottom:.1rem;font-size:.9688rem}
.checklist span{color:var(--ink-500)}
.section--dark .checklist__tick{background:rgba(0,197,142,.16);color:var(--mint)}
.section--dark .checklist b{color:#fff}
.section--dark .checklist span{color:#9FB6D0}

/* ==========================================================================
   13. TESTIMONIALS
   ========================================================================== */
.tslider{position:relative;overflow:hidden}
.ttrack{display:flex;transition:transform .6s var(--ease-out)}
.tslide{min-width:100%;padding:.35rem}
.quote{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);
  padding:clamp(1.75rem,1.2rem + 2vw,3rem);position:relative;
  box-shadow:var(--sh-1);
}
.quote::before{
  content:"\201C";position:absolute;top:-.05em;left:.35em;
  font-family:var(--font-serif);font-size:9rem;line-height:1;color:var(--mint);opacity:.13;
}
.quote__text{
  font-family:var(--font-serif);font-size:clamp(1.15rem,1rem + .85vw,1.6rem);
  line-height:1.55;color:var(--ink);position:relative;margin-bottom:1.5rem;letter-spacing:-.012em;
}
.quote__foot{display:flex;align-items:center;gap:.9rem;flex-wrap:wrap}
.quote__avatar{
  width:48px;height:48px;border-radius:50%;flex:none;
  background:linear-gradient(140deg,var(--ink-700),var(--ink));color:#fff;
  display:grid;place-items:center;font-weight:800;font-size:.9375rem;letter-spacing:.02em;
}
.quote__name{display:block;font-weight:800;color:var(--ink);font-size:.9688rem;line-height:1.3}
.quote__meta{display:block;font-size:var(--t-xs);color:var(--ink-300)}
.quote__stars{margin-left:auto;display:inline-flex;gap:2px}
.quote__stars svg{width:16px;height:16px;color:var(--sand)}
.tnav{display:flex;align-items:center;justify-content:center;gap:.6rem;margin-top:1.85rem}
.tnav__btn{
  width:46px;height:46px;border-radius:50%;border:1px solid var(--line-strong);
  background:#fff;display:grid;place-items:center;color:var(--ink);
  transition:background .22s var(--ease),color .22s var(--ease),border-color .22s var(--ease),transform .22s var(--ease);
}
.tnav__btn:hover{background:var(--ink);color:#fff;border-color:var(--ink);transform:scale(1.06)}
.tnav__btn svg{width:19px;height:19px}
.tdots{display:flex;gap:.4rem;margin-inline:.5rem}
.tdot{width:8px;height:8px;border-radius:50%;border:0;background:var(--line-strong);padding:0;transition:width .3s var(--ease),background .3s var(--ease)}
.tdot.is-active{width:26px;border-radius:4px;background:var(--mint-600)}

/* ==========================================================================
   14. ACCORDION (FAQ)
   ========================================================================== */
.acc{border-top:1px solid var(--line)}
.acc__item{border-bottom:1px solid var(--line)}
.acc__btn{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:1.25rem;
  padding:1.35rem .25rem;background:none;border:0;text-align:left;
  font-size:clamp(1rem,.95rem + .32vw,1.15rem);font-weight:700;color:var(--ink);
  letter-spacing:-.018em;line-height:1.4;transition:color .2s var(--ease);
}
.acc__btn:hover{color:var(--mint-700)}
.acc__icon{
  width:32px;height:32px;flex:none;border-radius:50%;
  background:var(--bg-soft);display:grid;place-items:center;position:relative;
  transition:background .3s var(--ease),transform .35s var(--ease);
}
.acc__icon::before,.acc__icon::after{
  content:"";position:absolute;background:var(--ink);border-radius:2px;transition:transform .35s var(--ease),background .3s var(--ease);
}
.acc__icon::before{width:13px;height:2px}
.acc__icon::after{width:2px;height:13px}
.acc__btn[aria-expanded="true"] .acc__icon{background:var(--mint-600);transform:rotate(180deg)}
.acc__btn[aria-expanded="true"] .acc__icon::before{background:#fff}
.acc__btn[aria-expanded="true"] .acc__icon::after{transform:scaleY(0);background:#fff}
.acc__panel{overflow:hidden;height:0;transition:height .38s var(--ease)}
.acc__inner{padding:0 3rem 1.6rem .25rem;color:var(--ink-500);font-size:var(--t-sm);line-height:1.7}

/* ==========================================================================
   15. CALCULATOR
   ========================================================================== */
.calc{
  display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(1.5rem,1rem + 2.5vw,3rem);
  background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);
  padding:clamp(1.5rem,1rem + 2vw,2.75rem);box-shadow:var(--sh-2);
}
.calc__controls{display:grid;gap:1.35rem;align-content:start}
.range{display:block}
.range__top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.55rem;gap:1rem}
.range__label{font-size:.8125rem;font-weight:700;color:var(--ink-700)}
.range__val{font-family:var(--font-num);font-size:.9375rem;font-weight:700;color:var(--mint-700);letter-spacing:-.02em}
.range input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;
  background:linear-gradient(90deg,var(--mint) var(--fill,40%),var(--bg-mist) var(--fill,40%));
  cursor:pointer;
}
.range input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:24px;height:24px;border-radius:50%;
  background:#fff;border:2px solid var(--mint-600);box-shadow:0 3px 10px rgba(0,165,120,.35);
  cursor:grab;transition:transform .18s var(--ease);
}
.range input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.14)}
.range input[type=range]::-moz-range-thumb{
  width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid var(--mint-600);
  box-shadow:0 3px 10px rgba(0,165,120,.35);cursor:grab;
}
.calc__result{
  background:linear-gradient(155deg,var(--ink-700),var(--ink));border-radius:var(--r-lg);
  padding:clamp(1.35rem,1rem + 1.4vw,2rem);color:#B4C9DF;display:flex;flex-direction:column;
}
.calc__headline{font-size:var(--t-xs);letter-spacing:.13em;text-transform:uppercase;color:var(--mint);font-weight:800;margin-bottom:.6rem}
.calc__big{
  font-size:clamp(2.2rem,1.5rem + 2.6vw,3.3rem);font-weight:850;color:#fff;
  letter-spacing:-.045em;line-height:1;margin-bottom:.4rem;font-variant-numeric:tabular-nums;
}
.calc__note{font-size:var(--t-xs);color:#9FB6D0;line-height:1.55}
.calc__breakdown{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin:1.5rem 0}
.calc__cell{background:rgba(255,255,255,.06);border:1px solid var(--line-dark);border-radius:var(--r-md);padding:.85rem .95rem}
.calc__cell b{display:block;color:#fff;font-size:1.15rem;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.calc__cell span{font-size:.6875rem;color:#9FB6D0;text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.calc__chart{display:flex;align-items:flex-end;gap:6px;height:96px;margin-bottom:1.15rem}
.calc__bar{
  flex:1;border-radius:5px 5px 2px 2px;min-height:4px;
  background:linear-gradient(180deg,var(--mint),rgba(0,197,142,.28));
  transition:height .55s var(--ease-out);
}
.calc__bar:last-child{background:linear-gradient(180deg,var(--sand),rgba(242,179,61,.3))}
.calc__cta{margin-top:auto;padding-top:1.35rem}
.calc__disclaimer{font-size:var(--t-xs);color:var(--ink-300);margin-top:1.15rem;line-height:1.55}

/* ==========================================================================
   16. GUIDES / ARTICLES
   ========================================================================== */
.guide{
  display:flex;flex-direction:column;height:100%;background:#fff;
  border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;
  transition:transform .34s var(--ease),box-shadow .34s var(--ease),border-color .34s var(--ease);
}
.guide:hover{transform:translateY(-6px);box-shadow:var(--sh-3);border-color:transparent}
.guide__media{aspect-ratio:16/10;overflow:hidden;background:var(--bg-mist);position:relative}
.guide__media img{width:100%;height:100%;object-fit:cover;transition:transform .8s var(--ease-out)}
.guide:hover .guide__media img{transform:scale(1.06)}
.guide__tag{
  position:absolute;top:.85rem;left:.85rem;
  background:rgba(7,24,46,.86);backdrop-filter:blur(8px);color:#fff;
  padding:.32rem .7rem;border-radius:var(--r-pill);font-size:.6875rem;font-weight:800;
  letter-spacing:.05em;text-transform:uppercase;
}
.guide__body{padding:1.35rem;display:flex;flex-direction:column;flex:1}
.guide__body h3{font-size:1.1rem;margin-bottom:.5rem}
.guide__body p{color:var(--ink-500);font-size:var(--t-sm);flex:1}
.guide__meta{
  display:flex;align-items:center;gap:.6rem;margin-top:1.1rem;padding-top:1rem;
  border-top:1px solid var(--line);font-size:var(--t-xs);color:var(--ink-300);font-weight:600;
}
.guide__meta .dot{width:3px;height:3px;border-radius:50%;background:currentColor}
.guide__cta{margin-left:auto;color:var(--mint-700);font-weight:800;display:inline-flex;align-items:center;gap:.3rem}
.guide__cta svg{width:14px;height:14px;transition:transform .28s var(--ease)}
.guide:hover .guide__cta svg{transform:translateX(4px)}

/* ==========================================================================
   17. CTA BAND
   ========================================================================== */
.cta-band{
  position:relative;isolation:isolate;overflow:hidden;
  background:linear-gradient(135deg,var(--ink) 0%,#0B2A4A 55%,var(--ink-700) 100%);
  border-radius:clamp(var(--r-lg),2vw,var(--r-xl));
  padding:clamp(2.25rem,1.5rem + 3.5vw,4.25rem);
  color:#C9D8EA;text-align:center;
}
.cta-band::before{
  content:"";position:absolute;inset:-40% -10% auto auto;width:60%;aspect-ratio:1;z-index:-1;
  background:radial-gradient(circle,rgba(0,197,142,.35),transparent 65%);filter:blur(50px);
}
.cta-band::after{
  content:"";position:absolute;inset:auto auto -45% -12%;width:52%;aspect-ratio:1;z-index:-1;
  background:radial-gradient(circle,rgba(242,179,61,.22),transparent 65%);filter:blur(55px);
}
.cta-band h2{color:#fff;max-width:22ch;margin-inline:auto;font-size:var(--t-h2)}
.cta-band p{color:#B4C9DF;max-width:56ch;margin-inline:auto;font-size:var(--t-lead)}
.cta-band .btn-row{justify-content:center;margin-top:2rem}
.cta-band__foot{margin-top:1.5rem;font-size:var(--t-xs);color:#8FA8C4}

/* ==========================================================================
   18. CONTACT
   ========================================================================== */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:clamp(1.75rem,1rem + 3vw,3.5rem);align-items:start}
.contact-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);
  padding:clamp(1.5rem,1rem + 2vw,2.5rem);box-shadow:var(--sh-2);
}
.contact-list{list-style:none;padding:0;margin:0 0 1.75rem;display:grid;gap:1.15rem}
.contact-list li{display:flex;gap:1rem;align-items:flex-start;margin:0}
.contact-list__icon{
  width:46px;height:46px;border-radius:14px;flex:none;display:grid;place-items:center;
  background:var(--ink);color:var(--mint);
}
.contact-list__icon svg{width:21px;height:21px}
.contact-list__label{display:block;font-size:var(--t-xs);text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:var(--ink-300);margin-bottom:.15rem}
.contact-list__value{display:block;font-size:1.05rem;font-weight:750;color:var(--ink);letter-spacing:-.018em;line-height:1.35}
.contact-list__value a{color:var(--ink)}
.contact-list__value a:hover{color:var(--mint-700)}
.contact-list small{display:block;color:var(--ink-300);font-size:var(--t-xs);margin-top:.15rem}

.map{
  position:relative;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:16/9;
  background:linear-gradient(140deg,var(--bg-mist),#DCE6F0);border:1px solid var(--line);
}
.map iframe{width:100%;height:100%;border:0;display:block;filter:grayscale(.25) contrast(1.05)}
.map__placeholder{position:absolute;inset:0;display:grid;place-content:center;justify-items:center;gap:.5rem;text-align:center;padding:1.5rem}
.map__pin{width:52px;height:52px;border-radius:50%;background:var(--ink);color:var(--mint);display:grid;place-items:center;box-shadow:0 8px 22px rgba(7,24,46,.28)}
.map__pin svg{width:24px;height:24px}

/* ==========================================================================
   19. FOOTER
   ========================================================================== */
.footer{background:var(--ink);color:#93AAC6;padding-block:clamp(3rem,2rem + 3vw,4.75rem) 0;position:relative;overflow:hidden}
.footer::before{
  content:"";position:absolute;top:-30%;left:50%;width:70%;aspect-ratio:2;
  background:radial-gradient(ellipse,rgba(0,197,142,.13),transparent 65%);
  transform:translateX(-50%);filter:blur(50px);pointer-events:none;
}
.footer__top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.25fr;gap:clamp(1.75rem,1rem + 2.5vw,3rem);position:relative}
.footer__about p{font-size:var(--t-sm);color:#8FA8C4;margin:1.15rem 0;max-width:38ch;line-height:1.7}
.footer h4{
  color:#fff;font-size:.8125rem;letter-spacing:.12em;text-transform:uppercase;
  margin-bottom:1.15rem;font-weight:800;
}
.footer__list{list-style:none;padding:0;margin:0;display:grid;gap:.7rem}
.footer__list li{margin:0}
.footer__list a{color:#93AAC6;font-size:var(--t-sm);font-weight:500;display:inline-flex;align-items:center;gap:.5rem;transition:color .2s var(--ease),transform .2s var(--ease)}
.footer__list a:hover{color:#fff;transform:translateX(3px)}
.footer__contact{display:grid;gap:.9rem;list-style:none;padding:0;margin:0 0 1.5rem}
.footer__contact li{display:flex;gap:.7rem;align-items:flex-start;margin:0;font-size:var(--t-sm)}
.footer__contact svg{width:17px;height:17px;color:var(--mint);flex:none;margin-top:3px}
.footer__contact a{color:#DCE8F5;font-weight:650}
.footer__contact a:hover{color:#fff}
.socials{display:flex;gap:.6rem}
.social{
  width:42px;height:42px;border-radius:12px;display:grid;place-items:center;
  background:rgba(255,255,255,.06);border:1px solid var(--line-dark);color:#C9D8EA;
  transition:background .25s var(--ease),color .25s var(--ease),transform .25s var(--ease),border-color .25s var(--ease);
}
.social:hover{background:var(--mint-600);color:#fff;border-color:transparent;transform:translateY(-3px)}
.social svg{width:19px;height:19px}
.footer__disclaimer{
  margin-top:clamp(2.5rem,2rem + 2vw,3.5rem);padding-top:2rem;
  border-top:1px solid rgba(255,255,255,.1);
  font-size:var(--t-xs);color:#7C93B0;line-height:1.75;
}
.footer__disclaimer p{margin-bottom:.9rem;max-width:100ch}
.footer__bottom{
  display:flex;flex-wrap:wrap;gap:1rem 1.75rem;align-items:center;justify-content:space-between;
  padding-block:1.5rem;margin-top:1rem;border-top:1px solid rgba(255,255,255,.1);
  font-size:var(--t-xs);color:#7C93B0;
}
.footer__legal{display:flex;flex-wrap:wrap;gap:1.25rem;list-style:none;margin:0;padding:0}
.footer__legal li{margin:0}
.footer__legal a{color:#93AAC6}
.footer__legal a:hover{color:#fff}

/* ==========================================================================
   20. MODAL
   ========================================================================== */
.modal{
  position:fixed;inset:0;z-index:160;display:grid;place-items:center;padding:1rem;
  background:rgba(4,13,26,.62);backdrop-filter:blur(6px);
  opacity:0;visibility:hidden;transition:opacity .32s var(--ease),visibility .32s;
}
.modal.is-open{opacity:1;visibility:visible}
.modal[hidden],.drawer[hidden]{display:none}
.modal__box{
  width:min(560px,100%);max-height:92vh;overflow-y:auto;background:#fff;
  border-radius:var(--r-xl);padding:clamp(1.5rem,1rem + 2vw,2.35rem);
  box-shadow:0 40px 90px rgba(0,0,0,.4);
  transform:translateY(22px) scale(.97);transition:transform .4s var(--ease-out);
}
.modal.is-open .modal__box{transform:translateY(0) scale(1)}
.modal__close{
  position:absolute;top:1rem;right:1rem;width:40px;height:40px;border-radius:50%;
  border:1px solid var(--line);background:#fff;display:grid;place-items:center;color:var(--ink);
  transition:background .2s var(--ease),transform .2s var(--ease);
}
.modal__close:hover{background:var(--bg-soft);transform:rotate(90deg)}
.modal__close svg{width:18px;height:18px}
.modal__head{margin-bottom:1.5rem;padding-right:2.5rem}
.modal__head h2{font-size:1.5rem;margin-bottom:.35rem}
.modal__head p{font-size:var(--t-sm);color:var(--ink-500);margin:0}
.modal__box{position:relative}

/* ==========================================================================
   21. STICKY MOBILE CTA
   ========================================================================== */
.mobile-cta{
  position:fixed;left:0;right:0;bottom:0;z-index:90;display:none;
  gap:.6rem;padding:.7rem .8rem calc(.7rem + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.94);backdrop-filter:blur(14px);
  border-top:1px solid var(--line);box-shadow:0 -6px 24px rgba(7,24,46,.09);
  transform:translateY(110%);transition:transform .4s var(--ease-out);
}
.mobile-cta.is-visible{transform:translateY(0)}
.mobile-cta .btn{flex:1;padding:.85rem .75rem;font-size:.9063rem}

/* ==========================================================================
   22. SCROLL REVEAL + PAGE VIEWS
   ========================================================================== */
/* Progressive enhancement: content is visible by default and only hidden once
   JS confirms it can animate it back in (html.js-anim, set in the document
   head). If the script fails, is blocked, or the browser throttles animation,
   the copy still shows — invisible content is never an acceptable failure. */
.reveal{opacity:1;transform:none}
.js-anim .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease-out),transform .7s var(--ease-out)}
.js-anim .reveal.is-in{opacity:1;transform:none}
.js-anim .reveal[data-delay="1"]{transition-delay:.09s}
.js-anim .reveal[data-delay="2"]{transition-delay:.18s}
.js-anim .reveal[data-delay="3"]{transition-delay:.27s}
.js-anim .reveal[data-delay="4"]{transition-delay:.36s}
.js-anim .reveal[data-delay="5"]{transition-delay:.45s}

.view{display:none}
.view.is-active{display:block;animation:viewIn .5s var(--ease-out)}
@keyframes viewIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* Inner page hero */
.page-hero{
  background:linear-gradient(140deg,var(--ink) 0%,#0B2A4A 100%);
  color:#B4C9DF;padding-block:clamp(3rem,2rem + 4vw,5rem);position:relative;overflow:hidden;
}
.page-hero::before{
  content:"";position:absolute;inset:-45% -12% auto auto;width:52%;aspect-ratio:1;
  background:radial-gradient(circle,rgba(0,197,142,.3),transparent 65%);filter:blur(60px);
}
.page-hero h1{color:#fff;max-width:20ch;position:relative}
.page-hero p{color:#B4C9DF;font-size:var(--t-lead);max-width:60ch;position:relative}
.crumbs{display:flex;gap:.5rem;align-items:center;font-size:var(--t-xs);color:#8FA8C4;margin-bottom:1.15rem;list-style:none;padding:0;flex-wrap:wrap}
.crumbs li{margin:0;display:flex;gap:.5rem;align-items:center}
.crumbs a{color:#B4C9DF;font-weight:600}
.crumbs a:hover{color:#fff}
.crumbs li+li::before{content:"/";color:#52708F}

/* Prose blocks for legal pages */
.prose{max-width:74ch}
.prose h2{font-size:1.55rem;margin-top:2.5rem}
.prose h3{font-size:1.15rem;margin-top:1.85rem}
.prose p,.prose li{color:var(--ink-500);font-size:var(--t-sm);line-height:1.75}
.prose li{margin-bottom:.55rem}

/* ==========================================================================
   23. RESPONSIVE
   ========================================================================== */
/* Between the widest layout and the mobile breakpoint the header row runs
   short of space. Tighten it in stages so every item — including the phone
   number and the two-word links — stays on one line instead of wrapping. */
@media (max-width:1180px){
  .nav__link{padding-inline:.5rem}
  .nav__link::after{left:.5rem;right:.5rem}
  .header__cta{margin-left:.35rem;gap:.4rem}
  .logo__img{height:31px}
}
@media (max-width:1090px){
  .nav__link{padding-inline:.38rem;font-size:.9063rem}
  .nav__link::after{left:.38rem;right:.38rem}
  .header__phone{padding:.4rem .45rem;font-size:.875rem;gap:.4rem}
  .header__phone svg{width:15px;height:15px}
  .header__cta .btn--sm{padding-inline:1rem}
}
@media (max-width:1040px){
  /* Last stretch before the burger menu: collapse the number to an icon-only
     call button. The digits stay in the DOM for screen readers and the tel:
     link still works — it just stops competing for horizontal space. */
  .header__phone{font-size:0;gap:0;padding:.5rem}
  .header__phone svg{width:19px;height:19px}
}
@media (max-width:1080px){
  .footer__top{grid-template-columns:1.4fr 1fr 1.2fr}
  .footer__about{grid-column:1/-1}
}
@media (max-width:980px){
  :root{--header-h:70px}
  .nav,.header__phone{display:none}
  .burger{display:flex}
  .header__cta{display:none}
  .hero__inner{grid-template-columns:1fr;gap:2.75rem}
  /* Decorative float would overlap the form card on narrow screens */
  .hero-float{display:none}
  .split{grid-template-columns:1fr;gap:2.25rem}
  .split--reverse .split__media{order:0}
  .g-4{grid-template-columns:repeat(2,1fr)}
  .calc{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  /* Leave room for the sticky call bar so it never covers footer content */
  .mobile-cta{display:flex}
  body{padding-bottom:78px}
}
@media (max-width:760px){
  .g-3{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr;gap:1.75rem}
  .steps::before{display:none}
  .step{display:grid;grid-template-columns:68px 1fr;gap:1.15rem;text-align:left;align-items:start}
  .step__num{margin:0}
  .step p{margin-inline:0;max-width:none}
  .stats{grid-template-columns:repeat(2,1fr)}
  .footer__top{grid-template-columns:1fr 1fr}
  .quote__stars{margin-left:0;width:100%}
}
@media (max-width:560px){
  .g-2,.g-3,.g-4{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .calc__breakdown{grid-template-columns:1fr}
  .footer__top{grid-template-columns:1fr}
  .btn-row .btn{width:100%}
  /* Stack the hero actions and trust points in a single column */
  .hero__actions{grid-template-columns:1fr;gap:.7rem}
  .hero__actions .btn{justify-self:stretch;width:100%}
  .acc__inner{padding-right:.5rem}
}

/* Respect reduced-motion preferences across the whole site */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{
    animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important;scroll-behavior:auto !important;
  }
  .reveal,.js-anim .reveal{opacity:1 !important;transform:none !important}
  /* Marquee falls back to a static, centred, wrapping wall */
  .provider-marquee{-webkit-mask-image:none;mask-image:none}
  .provider-track{animation:none;width:100%;justify-content:center;flex-wrap:wrap}
  .provider-set{flex-wrap:wrap;justify-content:center;padding-right:0}
  .provider-set[aria-hidden="true"]{display:none}
}

/* Print */
@media print{
  .header,.footer,.mobile-cta,.modal,.drawer,.cta-band{display:none !important}
  body{color:#000}
  .view{display:block !important}
}