/* =========================================================================
   Naveah Capital Insurance Agency — Design System v4
   Mobile-first. Brand palette per Build Instructions Section 2.
   Visual language: white <-> purple-band alternation, glassmorphism,
   band heroes, hover-animated cards, icon-chip CTAs, numbered tab-cards.
   Breakpoints: mobile <=480, tablet 481-1024, desktop >1024
   ========================================================================= */

:root {
  /* Brand palette (exact values) */
  --brand-primary: #620674;
  --brand-primary-alt: #800080;
  --brand-accent-magenta: #B5179E;
  --brand-accent-green: #627023;
  --brand-accent-teal: #05B8EE;
  --surface-light: #F2F0EB;
  --surface-lilac: #F2E7FF;
  --text-dark: #2B312F;
  --text-muted: #736F6C;   /* brand #807F7C nudged darker to meet WCAG AA 4.5:1 on white */
  --white: #FFFFFF;

  /* Derived */
  --brand-primary-dark: #4a0558;
  --ink-deep: #2a0733;
  --grad-band: linear-gradient(135deg, #4a0558 0%, #620674 42%, #8f1487 78%, #B5179E 100%);
  --grad-band-soft: linear-gradient(135deg, #620674, #B5179E);

  /* Glass */
  --glass-dark: rgba(52, 8, 62, .48);
  --glass-dark-strong: rgba(42, 7, 51, .62);
  --glass-dark-border: rgba(255, 255, 255, .26);
  --glass-light: rgba(255, 255, 255, .72);
  --glass-light-border: rgba(98, 6, 116, .14);

  --shadow-sm: 0 1px 3px rgba(43, 49, 47, .10);
  --shadow-md: 0 8px 22px rgba(43, 49, 47, .13);
  --shadow-lg: 0 16px 40px rgba(98, 6, 116, .22);
  --shadow-up: 0 -10px 26px rgba(98, 6, 116, .16);

  --radius: 16px;
  --radius-sm: 16px;
  --radius-card: 16px;   /* uniform corner radius sitewide */
  --radius-card-alt: 16px;
  --maxw: 1560px;
  --gutter: clamp(16px, 4vw, 32px);
  --focus-ring: 0 0 0 3px rgba(181, 23, 158, .5);

  --ff-body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --ff-display: "Fraunces", Georgia, "Times New Roman", serif;
  --page-bg: #ECE9E2;   /* warm neutral the white sheet floats on */
  --header-h: 64px;     /* floating header pill height (used to seat it in the hero) */
  --brand-blue-text: #01b7ec;  /* company second colour (used for "Capital" in the name) */
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--ff-body); color: var(--text-dark);
  background: var(--page-bg); line-height: 1.6; font-size: 16px; overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
svg { display: block; }
h1, h2, h3 { font-family: var(--ff-display); line-height: 1.12; color: var(--text-dark); margin: 0 0 .5em; font-weight: 600; letter-spacing: -.005em; }
h4 { line-height: 1.2; color: var(--text-dark); margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(2.1rem, 7vw, 3.5rem); font-weight: 600; }
h1 em { font-style: normal; color: var(--brand-accent-magenta); }
h2 { font-size: clamp(1.6rem, 5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 3.5vw, 1.5rem); }

/* ---------- Floating page sheet (Alief card-on-card), wide: fills the screen minus a slim margin ---------- */
.page-sheet {
  background: var(--white);
  width: auto;
  margin: clamp(8px, 1.2vw, 18px);
  border-radius: var(--radius);
  box-shadow: 0 20px 60px rgba(43, 49, 47, .12);
  overflow: clip;               /* clips section corners to the sheet; sticky still works (clip, not hidden) */
}
p { margin: 0 0 1rem; }
a { color: var(--brand-primary-alt); text-decoration: none; }
a:hover { color: var(--brand-accent-magenta); text-decoration: underline; }
/* Wrapper/component links (whole-card links) never underline their text on hover — only inline text links do */
a.card:hover, a.card:hover *, a.acard:hover, a.acard:hover * { text-decoration: none; }
:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 6px; }
ul { padding-left: 1.15rem; }

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(42px, 8vw, 80px); position: relative; }
.section--light { background: var(--surface-light); }
.section--lilac { background: var(--surface-lilac); }
.section--band { background: var(--brand-primary); background-image: var(--grad-band); color: #fff; }
.section--band h1, .section--band h2, .section--band h3 { color: #fff; }
.section--band h2 em, .section--band h1 em { color: #ffd9f5; }
.section--band p { color: rgba(255,255,255,.92); }
.section--band a { color: #ffd9f5; }
.center { text-align: center; }
.muted { color: var(--text-muted); }
.eyebrow { text-transform: uppercase; letter-spacing: .13em; font-size: .8rem; font-weight: 800; color: var(--brand-accent-magenta); margin-bottom: .5rem; display: block; }
.section--band .eyebrow { color: #F2E7FF; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--brand-primary); color: #fff; padding: 10px 16px; z-index: 200; }
.skip-link:focus { left: 8px; top: 8px; }
.lead { font-size: clamp(1.02rem, 2.6vw, 1.2rem); }

/* ---------- Icons ---------- */
.ico { width: 1.25em; height: 1.25em; flex: 0 0 auto; }
.ico--lg { width: 26px; height: 26px; }

/* ---------- Buttons / icon-chip CTAs ---------- */
.btn {
  position: relative; isolation: isolate; overflow: hidden;
  display: inline-flex; align-items: center; gap: .6rem;
  font-weight: 700; font-size: 1rem; line-height: 1.1;
  padding: 13px 22px 13px 14px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: background .18s, color .18s, border-color .18s, transform .06s, box-shadow .18s;
  min-height: 50px; text-align: left; text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn .chip {
  display: inline-grid; place-items: center; width: 34px; height: 34px; flex: 0 0 auto;
  border-radius: 9px; clip-path: polygon(0 0, 100% 0, 86% 100%, 0% 100%); /* slanted right edge */
}
.btn .chip .ico { width: 18px; height: 18px; }
.btn--primary { background: var(--brand-primary); color: #fff; box-shadow: var(--shadow-md); }
.btn--primary:hover { background: var(--brand-primary-alt); box-shadow: var(--shadow-lg); }
.btn--primary .chip { background: rgba(255,255,255,.20); color: #fff; }
.btn--secondary { background: #fff; color: var(--brand-primary); border-color: var(--brand-primary); }
.btn--secondary:hover { background: var(--surface-lilac); color: var(--brand-primary); }
.btn--secondary .chip { background: var(--brand-primary); color: #fff; }
.btn--whatsapp { background: var(--brand-accent-green); color: #fff; }
.btn--whatsapp:hover { background: #4f5a1c; color: #fff; }
.btn--whatsapp .chip { background: rgba(255,255,255,.22); color: #fff; }
.btn--ghost-light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.55); }
.btn--ghost-light:hover { background: #fff; color: var(--brand-primary); }
.btn--ghost-light .chip { background: rgba(255,255,255,.22); color: #fff; }
.btn--ghost-light:hover .chip { background: var(--brand-primary); color: #fff; }
.btn--block { width: 100%; justify-content: flex-start; }
.btn--lg { padding: 15px 30px 15px 15px; font-size: 1.06rem; min-height: 56px; }
.btn--plain { padding: 13px 22px; }              /* no chip */
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Header / nav ---------- */
/* Floating glass header pill, seated into the hero with a small top cushion */
.site-header {
  position: sticky; top: 12px; z-index: 100; background: transparent;
  padding-top: 16px; margin-bottom: calc(-1 * var(--header-h));
}
.nav {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  background: rgba(255, 255, 255, .72);
  -webkit-backdrop-filter: blur(14px) saturate(1.3);
  backdrop-filter: blur(14px) saturate(1.3);
  border-radius: var(--radius); box-shadow: var(--shadow-md);
  padding: 5px 5px 5px 14px; min-height: 48px;
}
.nav .nav-cta .btn, .nav .nav-toggle { border-radius: var(--radius); }
/* Seat every hero behind the floating header */
.hero, .hero--band { padding-top: calc(var(--header-h) + clamp(16px, 4vw, 32px)); }
/* Mobile/tablet: inset the pill symmetrically so the hero shows on its left & right edges */
@media (max-width: 1024px) {
  .site-header { padding-inline: clamp(14px, 5vw, 22px); }
}
.brand { display: inline-flex; align-items: center; gap: 10px; flex: 0 0 auto; text-decoration: none; }
.brand:hover { text-decoration: none; }
.brand-logo { height: 38px; width: auto; flex: 0 0 auto; }
.site-footer .brand-logo { height: 46px; }
.site-header .brand-name { font-size: 1.08rem; }
.site-header .brand-slogan { font-size: .58rem; }
.brand-text { display: flex; flex-direction: column; justify-content: center; white-space: nowrap; }
.brand-name { font-family: "Baloo 2", var(--ff-body); font-weight: 700; font-size: 1.18rem; line-height: 1; letter-spacing: -.005em; }
.brand-name .bn-1 { color: var(--brand-primary); }
.brand-name .bn-2 { color: var(--brand-blue-text); }
.brand-slogan { font-family: "Baloo 2", var(--ff-body); font-weight: 600; font-size: .62rem; line-height: 1; letter-spacing: .03em; color: var(--text-muted); margin-top: 2px; }
.brand--footer .brand-name .bn-1, .brand--footer .brand-name .bn-2 { color: #fff; }
.brand--footer .brand-slogan { color: rgba(255,255,255,.72); }
/* white chip so the full-colour logo (incl. its purple ring) reads on the purple footer */
.brand--footer .brand-logo { background: #fff; border-radius: var(--radius); padding: 6px 8px; box-shadow: 0 3px 10px rgba(0,0,0,.18); }

.nav-toggle {
  display: inline-flex; flex-direction: column; gap: 5px; justify-content: center; align-items: flex-end;
  height: 44px; border: 0; background: transparent; border-radius: 0; cursor: pointer;
  padding: 8px 2px 8px 8px; margin-left: auto; margin-right: 2px;   /* no container; push past the empty nav wrapper to hug the right edge with a small cushion */
}
.nav-toggle span { width: 26px; height: 2px; background: var(--brand-primary); border-radius: 2px; transition: .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-menu, .nav-pill { list-style: none; margin: 0; padding: 0; }
.nav-pill-wrap { list-style: none; }
.nav-pill > li > a, .nav-pill > li > .nav-group-btn {
  display: block; width: 100%; text-align: left; background: none; border: 0; font: inherit; cursor: pointer;
  padding: 13px 4px; color: var(--text-dark); font-weight: 600;
}
.nav-menu a:hover, .nav-group-btn:hover { color: var(--brand-accent-magenta); text-decoration: none; }
.nav-cta { margin-top: 8px; }
.nav-submenu { list-style: none; margin: 0 0 6px; padding: 0 0 6px 12px; border-left: 2px solid var(--surface-lilac); }
.nav-submenu a { padding: 10px 4px; font-weight: 500; color: var(--text-dark); display: flex; align-items: center; gap: 9px; }
.nav-submenu a .ico { color: var(--brand-accent-teal); }

.nav-menu {
  position: fixed; top: 80px; left: clamp(8px, 3vw, 18px); right: clamp(8px, 3vw, 18px);
  background: #fff; box-shadow: var(--shadow-lg); border-radius: var(--radius);
  padding: 12px 18px 18px; max-height: calc(100dvh - 96px); overflow-y: auto;
  transform: translateY(-8px); opacity: 0; visibility: hidden; transition: .2s;
  border: 1px solid #eadfef; border-top: 3px solid var(--brand-accent-magenta);
}
.nav-menu.is-open { transform: none; opacity: 1; visibility: visible; }

/* Glass scrim behind the open mobile menu */
.nav-backdrop {
  position: fixed; inset: 0;
  background: rgba(40, 6, 48, .38);
  -webkit-backdrop-filter: blur(5px) saturate(1.05); backdrop-filter: blur(5px) saturate(1.05);
  opacity: 0; visibility: hidden; transition: opacity .22s ease;
}
.nav-backdrop.is-open { opacity: 1; visibility: visible; }
.nav-group-btn::after { content: "▾"; float: right; color: var(--brand-accent-magenta); }
.nav-group[aria-expanded="false"] .nav-submenu { display: none; }

/* ---------- Heroes as inset rounded banners inside the sheet ---------- */
.hero, .hero--band {
  border-radius: var(--radius);
  margin: 0 clamp(8px, 1vw, 14px) clamp(8px, 1vw, 14px);
  overflow: hidden;
}
/* Full-bleed hero photo with a purple overlay fading left -> centre (Alief) */
.hero--photo { position: relative; isolation: isolate; }
.hero--photo .hero-bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center right; z-index: -2;
}
.hero--photo .hero-overlay {
  position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(100deg,
    rgba(74,5,88,.98) 0%, rgba(88,7,102,.94) 30%, rgba(98,6,116,.60) 54%,
    rgba(98,6,116,.18) 78%, rgba(98,6,116,0) 100%);
}
.hero--photo .hero-inner { position: relative; z-index: 1; max-width: 660px; margin-inline: 0; margin-right: auto; }
@media (max-width: 760px) {
  .hero--photo .hero-overlay {
    background: linear-gradient(122deg,
      rgba(74,5,88,.98) 0%, rgba(88,7,102,.93) 44%, rgba(98,6,116,.74) 74%, rgba(98,6,116,.58) 100%);
  }
  .hero--photo .hero-bg { object-position: center; }
}
/* ---------- Generic hero (home) ---------- */
.hero {
  position: relative; color: #fff; background-color: var(--brand-primary);
  background-image: var(--grad-band), radial-gradient(circle at 82% 12%, rgba(5,184,238,.22), transparent 44%);
  padding-bottom: clamp(38px, 9vw, 84px);
}
.hero h1 { color: #fff; max-width: 17ch; }
.hero h1 em { color: #ffd9f5; }
.hero p.lead { max-width: 52ch; color: rgba(255,255,255,.94); }
.hero .trust-inline { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 20px; font-weight: 600; font-size: .92rem; }
.hero .trust-inline span { display: inline-flex; align-items: center; gap: 7px; }
.hero .trust-inline .ico { color: #7ef0c6; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }

/* ---------- Band hero (inner pages) ---------- */
.hero--band { position: relative; color: #fff; background-color: var(--brand-primary); background-image: var(--grad-band); padding-bottom: clamp(30px, 7vw, 68px); }
.hero--band .crumbs { color: rgba(255,255,255,.8); padding-top: 0; }
.hero--band .crumbs a { color: #ffd9f5; }
.hero--band h1 { color: #fff; }
.hero--band h1 em { color: #ffd9f5; }
.hero--band .lead { color: rgba(255,255,255,.94); max-width: 54ch; }
.hero--band .eyebrow { color: #F2E7FF; }
.hero-duo { display: grid; grid-template-columns: 1fr; gap: 26px; align-items: center; }
.hero-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 22px; }
.hero-card {
  display: flex; align-items: center; gap: 9px; padding: 12px 14px; border-radius: var(--radius);
  background: var(--glass-dark); border: 1px solid var(--glass-dark-border); backdrop-filter: blur(8px);
  font-weight: 600; font-size: .86rem; color: #fff;
}
.hero-card .ico { color: #7ef0c6; }

/* Framed glass hero photo card */
.hero-frame {
  background: var(--glass-dark-strong); border: 1px solid var(--glass-dark-border);
  backdrop-filter: blur(9px); border-radius: var(--radius-card); padding: 16px;
}
.hero-stage { background: var(--surface-lilac); border-radius: var(--radius); overflow: hidden; }
.hero-stage img, .hero-stage .ph { aspect-ratio: 4/3; width: 100%; object-fit: cover; }
.ph { display: grid; place-items: center; background: var(--grad-band-soft); color: rgba(255,255,255,.9); }
.ph .ico { width: 64px; height: 64px; }

/* ---------- Stats band + count-up ---------- */
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.statbar { background: var(--grad-band-soft); border-radius: var(--radius); padding: 22px clamp(16px,3vw,28px); box-shadow: var(--shadow-lg); }
.statbar .stats { gap: 10px; }
.statbar .stat { background: transparent; border: 0; box-shadow: none; color: #fff; }
.statbar .stat b { color: #fff; }
.statbar .stat span { color: rgba(255,255,255,.85); }
.stat { background: var(--white); border: 1px solid #ece3d6; border-radius: var(--radius); padding: 18px; text-align: center; box-shadow: var(--shadow-sm); }
/* Purple gradient stats card (sits beside the "Why Naveah" cards) */
.stat-card { background: var(--grad-band-soft); border-radius: var(--radius-card); padding: 18px; box-shadow: var(--shadow-md); display: flex; align-items: center; }
.stat-card .stats { grid-template-columns: 1fr 1fr; gap: 6px; width: 100%; }
.stat-card .stat { background: transparent; border: 0; box-shadow: none; padding: 10px 6px; }
.stat-card .stat b { color: #fff; font-size: clamp(1.2rem, 2vw, 1.55rem); }
.stat-card .stat span { color: rgba(255,255,255,.85); font-size: .76rem; }
.stat b { display: block; font-size: clamp(1.5rem, 5vw, 2.1rem); color: var(--brand-primary); font-weight: 800; }
.stat span { font-size: .84rem; color: var(--text-muted); font-weight: 600; }

/* ---------- Feature / pillar cards ---------- */
.grid { display: grid; gap: 18px; }
.grid--3, .grid--2, .grid--4 { grid-template-columns: 1fr; }
.card {
  background: var(--white); border: 1px solid #ece3f0; border-radius: var(--radius-card);
  padding: 22px; box-shadow: var(--shadow-sm); transition: transform .16s, box-shadow .16s, border-color .16s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--brand-accent-magenta); }
.card .icon {
  width: 50px; height: 50px; border-radius: var(--radius); display: grid; place-items: center; margin-bottom: 12px;
  background: var(--surface-lilac); color: var(--brand-primary);
}
.card:hover h3 { color: var(--brand-accent-magenta); }
.card h3 { margin-bottom: .35rem; transition: color .16s; }
.card p { margin-bottom: 0; color: var(--text-dark); }
.section--band .card { background: var(--glass-dark); border-color: var(--glass-dark-border); color: #fff; backdrop-filter: blur(8px); }
.section--band .card p { color: rgba(255,255,255,.92); }
.section--band .card h3 { color: #fff; }
.section--band .card .icon { background: rgba(255,255,255,.16); color: #fff; }
.section--lilac .card .icon { background: #fff; }

/* ---------- Photo-topped service cards ---------- */
.services { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.service {
  position: relative; display: flex; flex-direction: column; background: var(--white);
  border: 1px solid #ece3f0; border-radius: var(--radius-card); box-shadow: var(--shadow-sm);
  color: var(--text-dark); overflow: hidden; min-width: 0;
  transition: transform .16s, box-shadow .16s, border-color .16s;
}
.service:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--brand-accent-magenta); text-decoration: none; color: var(--text-dark); }
.service .s-media { position: relative; aspect-ratio: 16/10; background: var(--grad-band-soft); display: grid; place-items: center; }
.service .s-media .ico { width: 40px; height: 40px; color: #fff; opacity: .95; transition: transform .18s; }
.service:hover .s-media .ico { transform: scale(1.12); }
.service .s-badge {
  position: absolute; left: 14px; bottom: -18px; width: 42px; height: 42px; border-radius: var(--radius);
  background: #fff; color: var(--brand-primary); display: grid; place-items: center; box-shadow: var(--shadow-sm); border: 1px solid #efe3f4;
}
.service .s-body { padding: 26px 16px 16px; display: flex; flex-direction: column; gap: 6px; flex: 1; }
.service b { font-size: 1.02rem; color: var(--brand-primary); overflow-wrap: anywhere; }
.service span { font-size: .84rem; color: var(--text-muted); }
.service .s-link { display: inline-flex; align-items: center; gap: 6px; font-size: .82rem; font-weight: 700; color: var(--brand-accent-magenta); margin-top: auto; }
.service .s-link .ico { width: 16px; height: 16px; transition: transform .16s; }
.service:hover .s-link .ico { transform: translateX(3px); }

/* ---------- Alief-style cards (tags + ring + serif title + read-more) ---------- */
.acards { display: grid; grid-template-columns: 1fr; gap: 16px; grid-auto-rows: 1fr; }
.acards > .reveal { display: flex; }
.acards > .reveal > .acard { flex: 1; }
.acard {
  position: relative; isolation: isolate;
  display: flex; flex-direction: column; height: 100%; background: #fff; border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm); color: var(--text-dark);
  transition: transform .16s, box-shadow .16s; min-width: 0;
}
.acard:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); text-decoration: none; color: var(--text-dark); }
/* Glass info panel sits at the BOTTOM of the card, photo running behind it */
.acard-top {
  order: 2; position: relative; z-index: 2; padding: 16px 24px 22px;
  border-top: 1px solid rgba(255,255,255,.65);
  border-radius: 0 0 var(--radius) var(--radius);
}
.acard-top.tint-lilac { background: rgba(244,235,255,.97); }
.acard-top.tint-light { background: rgba(247,244,239,.97); }
.acard-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 12px; padding-right: 44px; }
.atag { background: #fff; border-radius: 999px; padding: 4px 12px; font-size: .72rem; font-weight: 700; color: var(--brand-primary); box-shadow: var(--shadow-sm); }
.acard-ring {
  position: absolute; top: 16px; right: 16px; width: 34px; height: 34px; border-radius: 50%;
  border: 2px solid var(--brand-accent-magenta); display: grid; place-items: center; color: var(--brand-primary);
}
.acard-ring.active { background: var(--brand-accent-green); border-color: var(--brand-accent-green); color: #fff; }
.acard-ring .ico { width: 17px; height: 17px; }
.acard-title { font-family: var(--ff-display); font-weight: 600; font-size: 1.3rem; margin: 0 0 4px; color: var(--brand-primary); }
.acard-desc { font-size: .85rem; color: #63605C; margin: 0; }  /* AA on lilac/light tints */
/* Media is static so the image + gradient anchor to the whole card, running under the glass panel */
.acard-media { order: 1; position: static; flex: 1 1 auto; min-height: 168px; background: var(--grad-band-soft); }
.acard-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; transition: transform .3s ease; }
.acard:hover .acard-media img { transform: scale(1.06); }
.acard-media::after { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(to bottom, rgba(20,3,25,.5), rgba(20,3,25,.02) 45%); }
.acard-more {
  position: absolute; left: 20px; top: 20px; z-index: 1; display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.16); backdrop-filter: blur(4px); border: 1px solid rgba(255,255,255,.42);
  color: #fff; font-weight: 700; font-size: .82rem; padding: 5px 5px 5px 14px; border-radius: 999px;
}
.acard-more { z-index: 2; }
.acard-more .arrow-circle { width: 27px; height: 27px; border-radius: 50%; background: #fff; color: var(--brand-primary); display: grid; place-items: center; }
.acard-more .arrow-circle .ico { width: 14px; height: 14px; }

/* ---------- Numbered tab-cards ---------- */
.tabcards { counter-reset: tc; display: grid; grid-template-columns: 1fr; gap: 14px; }
.tabcard {
  position: relative; background: #fff; border: 2px solid var(--brand-primary); border-radius: var(--radius);
  padding: 20px 18px 18px; box-shadow: var(--shadow-sm); transition: transform .16s, box-shadow .16s;
}
.tabcard:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.tabcard::before {
  counter-increment: tc; content: counter(tc); position: absolute; top: -14px; left: 18px;
  min-width: 30px; height: 30px; padding: 0 8px; border-radius: var(--radius); color: #fff; font-weight: 800;
  display: grid; place-items: center; background: var(--brand-primary);
}
.tabcard:nth-child(4n+2) { border-color: var(--brand-accent-magenta); }
.tabcard:nth-child(4n+2)::before { background: var(--brand-accent-magenta); }
.tabcard:nth-child(4n+3) { border-color: var(--brand-accent-teal); }
.tabcard:nth-child(4n+3)::before { background: var(--brand-accent-teal); }
.tabcard:nth-child(4n+4) { border-color: var(--brand-accent-green); }
.tabcard:nth-child(4n+4)::before { background: var(--brand-accent-green); }
.tabcard h3 { margin: 4px 0 .3rem; color: var(--brand-primary); }
.tabcard p { margin: 0; }

/* ---------- Testimonials slider ---------- */
.slider { position: relative; }
.slider-track {
  display: flex; gap: 14px; overflow-x: auto; scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch; scrollbar-width: none; padding: 4px 2px 6px;
}
.slider-track::-webkit-scrollbar { display: none; }
.slider-track > .quote { flex: 0 0 min(88%, 380px); scroll-snap-align: center; }
.quote { background: var(--white); border-radius: var(--radius-card); padding: 22px; box-shadow: var(--shadow-sm); border: 1px solid #ece3f0; }
.section--band .slider-track > .quote { background: var(--glass-dark); border-color: var(--glass-dark-border); color: #fff; backdrop-filter: blur(8px); }
.section--band .quote p { color: #fff; }
.section--band .quote .who { color: #fff; }
.quote p { font-style: italic; }
.quote .stars { color: var(--brand-accent-magenta); letter-spacing: 2px; margin-bottom: 8px; }
.section--band .quote .stars { color: #ffd9f5; }
.quote .who { font-weight: 700; color: var(--brand-primary); font-style: normal; margin-top: 6px; }
.quote .who span { display: block; font-weight: 500; color: var(--text-muted); font-size: .85rem; }
.section--band .quote .who span { color: rgba(255,255,255,.8); }
.slider-controls { display: flex; align-items: center; justify-content: center; gap: 14px; margin-top: 16px; }
.slider-btn {
  width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--brand-primary); background: #fff; color: var(--brand-primary);
  display: grid; place-items: center; cursor: pointer; transition: .15s;
}
.slider-btn:hover { background: var(--brand-primary); color: #fff; }
.slider-btn:disabled { opacity: .32; cursor: default; }
.section--band .slider-btn { border-color: rgba(255,255,255,.6); background: transparent; color: #fff; }
.section--band .slider-btn:hover { background: #fff; color: var(--brand-primary); }
.slider-dots { display: flex; gap: 8px; }
.slider-dot { width: 9px; height: 9px; border-radius: 50%; border: 0; padding: 0; background: rgba(98,6,116,.28); cursor: pointer; transition: .15s; }
.slider-dot.is-active { background: var(--brand-accent-magenta); transform: scale(1.4); }
.section--band .slider-dot { background: rgba(255,255,255,.4); }
.section--band .slider-dot.is-active { background: #fff; }

/* ---------- Logo / badge strips ---------- */
/* White logo-wall panel: the insurer PNGs carry white backgrounds, so they must always sit on white */
.logo-strip {
  display: flex; flex-wrap: wrap; gap: 18px 34px; justify-content: center; align-items: center;
  background: var(--white); border: 1px solid #efe7f2; border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: clamp(18px, 3vw, 28px) clamp(16px, 4vw, 40px);
  max-width: 1040px; margin-inline: auto;
}
.logo-chip { background: var(--white); border: 1px solid #e6dced; border-radius: var(--radius); padding: 10px 16px; font-weight: 700; color: var(--brand-primary); font-size: .9rem; box-shadow: var(--shadow-sm); }
.partner-logo { height: clamp(44px, 5vw, 60px); width: auto; max-width: 180px; object-fit: contain; }
.badge-logo { height: 22px; width: auto; }
.section--band .logo-chip { background: rgba(255,255,255,.94); }
.badges { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.badge {
  display: inline-flex; align-items: center; gap: 8px; background: var(--white);
  border: 1px solid #e6dced; border-radius: 999px; padding: 9px 16px; font-weight: 700; font-size: .85rem; color: var(--text-dark); box-shadow: var(--shadow-sm);
}
.badge .ico { width: 16px; height: 16px; color: var(--brand-accent-green); }
.badge--teal .ico { color: var(--brand-accent-teal); }
.badge--magenta .ico { color: var(--brand-accent-magenta); }
.section--band .badge { background: rgba(255,255,255,.94); }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid #e7dced; border-radius: var(--radius); padding: clamp(26px, 4vw, 36px); box-shadow: var(--shadow-md); }
.form-card h2, .form-card h3 { margin-top: 0; }
.form-reassure-top { color: var(--text-muted); font-size: .92rem; margin-bottom: 16px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 5px; }
.field .req { color: var(--brand-accent-magenta); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; color: var(--text-dark); background: var(--white);
  border: 1.5px solid #d9cbe2; border-radius: var(--radius-sm); padding: 12px 14px; min-height: 48px;
  transition: border-color .15s, box-shadow .15s;
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brand-primary-alt); box-shadow: var(--focus-ring); outline: none; }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: #c0392b; }
.field .err { color: #c0392b; font-size: .8rem; margin-top: 4px; display: none; }
.field.has-error .err { display: block; }
.tel-wrap { display: flex; }
.tel-prefix { display: inline-flex; align-items: center; gap: 6px; padding: 0 12px; border: 1.5px solid #d9cbe2; border-right: 0; border-radius: var(--radius-sm) 0 0 var(--radius-sm); background: var(--surface-light); font-weight: 700; color: var(--text-dark); white-space: nowrap; }
.tel-wrap input { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.radio-row { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-row label { display: inline-flex; align-items: center; gap: 7px; font-weight: 500; border: 1.5px solid #d9cbe2; padding: 9px 14px; border-radius: 999px; cursor: pointer; }
.radio-row input { width: auto; min-height: 0; }
.consent { display: flex; gap: 9px; align-items: flex-start; font-size: .88rem; }
.consent input { width: auto; min-height: 0; margin-top: 4px; }
.form-reassure { display: flex; align-items: center; justify-content: center; gap: 7px; margin-top: 12px; font-size: .84rem; color: var(--text-muted); text-align: center; }
.form-reassure .ico { width: 15px; height: 15px; color: var(--brand-accent-green); }
.form-error { margin-top: 12px; padding: 10px 14px; border-radius: 12px; background: #fbe9e7; border: 1.5px solid #b0331f; color: #7a2415; font-size: .9rem; font-weight: 600; }
.form-error a { color: #7a2415; text-decoration: underline; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-success { display: none; background: #eef2e2; border: 1.5px solid var(--brand-accent-green); border-radius: var(--radius); padding: 30px 26px; text-align: center; }
.form-success.is-visible { display: block; }
.form-success .tick { width: 58px; height: 58px; border-radius: 50%; background: var(--brand-accent-green); color: #fff; display: grid; place-items: center; margin: 0 auto 12px; }
.form-success .tick .ico { width: 30px; height: 30px; }
.form-success h3 { color: var(--brand-accent-green); }

/* ---------- FAQ ---------- */
.faq details { background: var(--white); border: 1px solid #e7dced; border-radius: var(--radius-sm); padding: 4px 16px; margin-bottom: 10px; }
.faq summary { cursor: pointer; font-weight: 700; padding: 12px 0; list-style: none; color: var(--brand-primary); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; float: right; font-size: 1.3rem; color: var(--brand-accent-magenta); line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding-bottom: 12px; margin: 0; }
.section--band .faq details { background: var(--glass-dark); border-color: var(--glass-dark-border); backdrop-filter: blur(8px); }
.section--band .faq summary { color: #fff; }
.section--band .faq details p { color: rgba(255,255,255,.92); }

/* ---------- Split (product) ---------- */
.split { display: grid; grid-template-columns: 1fr; gap: 26px; align-items: start; }
.split > * { min-width: 0; }
.prose h2 { margin-top: 1.4em; }
.prose ul li { margin-bottom: 6px; }
.coverage-item { margin-bottom: 12px; }
.coverage-item b { color: var(--brand-primary); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--grad-band-soft); color: #fff; border-radius: var(--radius-card); padding: clamp(24px, 5vw, 42px); text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.94); max-width: 56ch; margin-inline: auto; }
.cta-band .btn-row { justify-content: center; margin-top: 18px; }

/* ---------- Contact ---------- */
.map-embed { width: 100%; border: 0; border-radius: var(--radius-card); box-shadow: var(--shadow-md); min-height: 320px; }
.contact-meta { list-style: none; padding: 0; margin: 0; }
.contact-meta li { display: flex; gap: 12px; padding: 12px 0; border-bottom: 1px solid #eadfef; align-items: flex-start; }
.contact-meta .ci { color: var(--brand-accent-magenta); flex: 0 0 auto; width: 22px; height: 22px; margin-top: 2px; }
.contact-meta a { color: var(--brand-primary-alt); font-weight: 600; }

/* ---------- Breadcrumb ---------- */
.crumbs { font-size: .85rem; color: var(--text-muted); padding-block: 14px; }
.crumbs a { color: var(--brand-primary-alt); }

/* ---------- Blog ---------- */
.post-grid { display: grid; grid-template-columns: 1fr; gap: 18px; }
.post-card { background: #fff; border: 1px solid #ece3f0; border-radius: var(--radius-card); overflow: hidden; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; transition: transform .16s, box-shadow .16s, border-color .16s; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--brand-accent-magenta); }
.post-card .pc-body { padding: 18px; display: flex; flex-direction: column; gap: 8px; }
.post-card .tag { font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-accent-magenta); }
.post-card h3 { margin: 0; }
.post-thumb { aspect-ratio: 16/9; background: var(--grad-band-soft); display: grid; place-items: center; }
.post-thumb .ico { width: 44px; height: 44px; color: rgba(255,255,255,.9); }
.post-thumb--photo { padding: 0; }
.post-thumb--photo img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* ---------- Blog article: byline, figures, author box ---------- */
.byline { font-size: .9rem; color: var(--text-muted); margin: .5rem 0 0; }
.byline a { color: var(--brand-primary-alt); font-weight: 600; }
.byline .dot { color: var(--brand-accent-magenta); margin: 0 3px; }
.prose figure, .prose figure.post-hero, .prose figure.post-figure { margin: 1.6em 0; }
.prose figure.post-hero { margin-top: .4em; }
.prose figure img { width: 100%; height: auto; border-radius: var(--radius-card); box-shadow: var(--shadow-sm); display: block; }
.prose figcaption { font-size: .82rem; color: var(--text-muted); margin-top: 8px; text-align: center; line-height: 1.45; }
.blog-faq { margin-top: 2.2em; }
.post-video { margin: 1.6em 0; }
.video-embed { position: relative; width: 100%; aspect-ratio: 16 / 9; border-radius: var(--radius-card); overflow: hidden; box-shadow: var(--shadow-sm); background: #000; }
.video-embed iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }

/* ---------- Insurer comparison (education page) ---------- */
.ecmp { margin: 1.2em 0 0; }
.ecmp-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius-card); }
.ecmp-table { width: 100%; border-collapse: collapse; font-size: .9rem; min-width: 640px; background: var(--white); }
.ecmp-table th, .ecmp-table td { text-align: left; padding: 11px 13px; border-bottom: 1px solid #eadfef; vertical-align: top; line-height: 1.4; }
.ecmp-table thead th { background: var(--brand-primary); color: #fff; font-size: .74rem; text-transform: uppercase; letter-spacing: .04em; font-weight: 700; border-bottom: 0; }
.ecmp-table tbody tr:nth-child(even) { background: var(--surface-lilac); }
.ecmp-table td.ecmp-plan { font-weight: 700; color: var(--brand-primary); white-space: nowrap; }
.ecmp-table td.ecmp-plan .ecmp-brand { display: block; }
.ecmp-table td.ecmp-plan small { display: block; color: var(--text-muted); font-weight: 600; }
.ecmp-cards { display: none; }
.ecmp-card { border: 1px solid #e7dced; border-radius: var(--radius-card); overflow: hidden; margin-bottom: 14px; background: #fff; }
.ecmp-card__head { background: var(--brand-primary); color: #fff; padding: 12px 14px; }
.ecmp-card__head .ecmp-brand { display: block; font-weight: 700; }
.ecmp-card__head small { display: block; color: rgba(255,255,255,.85); }
.ecmp-card__rows { margin: 0; }
.ecmp-row { padding: 9px 14px; border-bottom: 1px solid #f0e8f4; }
.ecmp-row:last-child { border-bottom: 0; }
.ecmp-row dt { font-weight: 700; color: var(--text-muted); font-size: .72rem; text-transform: uppercase; letter-spacing: .03em; margin: 0 0 1px; }
.ecmp-row dd { margin: 0; font-size: .9rem; }
.ecmp-insights { display: grid; grid-template-columns: 1fr; gap: 12px; margin: 18px 0 4px; }
.ecmp-insight { background: var(--surface-light); border: 1px solid #ece3f0; border-radius: var(--radius-sm); padding: 12px 14px; }
.ecmp-insight h4 { margin: 0 0 4px; color: var(--brand-primary); font-size: .95rem; }
.ecmp-insight p { margin: 0; font-size: .88rem; }
.ecmp-note { background: var(--surface-lilac); border: 1px solid #e7dced; border-radius: var(--radius-sm); padding: 14px 16px; margin: 16px 0; }
.ecmp-note h4 { margin: 0 0 4px; color: var(--brand-primary); font-size: .98rem; }
.ecmp-note p { margin: 0; font-size: .9rem; }
.ecmp-disclaimer { font-size: .8rem; color: var(--text-muted); line-height: 1.5; }
.ecmp-disclaimer a { color: var(--brand-primary-alt); font-weight: 600; }
@media (min-width: 680px) { .ecmp-insights { grid-template-columns: 1fr 1fr; } }
@media (max-width: 719px) { .ecmp-table-wrap { display: none; } .ecmp-cards { display: block; } }
.author-box { display: flex; gap: 16px; align-items: flex-start; margin-top: 2.2em; padding: 20px; background: var(--surface-lilac); border: 1px solid #e7dced; border-radius: var(--radius-card); }
.author-box .author-avatar { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; flex: 0 0 auto; box-shadow: var(--shadow-sm); }
.author-box .ab-name { font-family: var(--ff-display); font-weight: 700; color: var(--brand-primary); margin: 0; font-size: 1.05rem; }
.author-box .ab-role { color: var(--text-muted); margin: 2px 0 8px; font-size: .9rem; }
.author-box .ab-bio { margin: 0; font-size: .92rem; line-height: 1.55; }
.author-box .ab-bio a { color: var(--brand-primary-alt); font-weight: 600; }

/* ---------- Lead teaser card (blog sidebar) ---------- */
.lead-teaser { background: var(--surface-lilac); border: 1px solid #e7dced; border-radius: var(--radius-card); padding: 22px; text-align: center; box-shadow: var(--shadow-sm); }
.lead-teaser__avatar { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; box-shadow: var(--shadow-sm); margin: 0 auto 10px; display: block; }
.lead-teaser__name { font-family: var(--ff-display); font-weight: 700; color: var(--brand-primary); margin: 0 0 6px; font-size: 1.08rem; line-height: 1.2; }
.lead-teaser__msg { color: var(--text-dark); font-size: .92rem; margin: 0 0 16px; line-height: 1.5; }
.lead-teaser .btn { justify-content: center; }
.lead-teaser__foot { display: block; margin-top: 12px; color: var(--text-muted); font-size: .78rem; }
.lead-teaser__foot svg { width: 14px; height: 14px; vertical-align: -2px; }

/* ---------- Lead wizard modal ---------- */
.lead-modal { position: fixed; inset: 0; z-index: 120; display: flex; align-items: center; justify-content: center; padding: 16px; }
.lead-modal[hidden] { display: none !important; }
.lead-modal__scrim { position: absolute; inset: 0; background: rgba(40,6,48,.55); -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.lead-modal__dialog { position: relative; z-index: 1; width: 100%; max-width: 440px; max-height: calc(100vh - 32px); max-height: calc(100dvh - 32px); overflow-y: auto; background: var(--white); border-radius: var(--radius-card); padding: clamp(20px, 4vw, 30px); box-shadow: var(--shadow-lg); }
.lead-modal__close { position: absolute; top: 8px; right: 10px; width: 40px; height: 40px; border: 0; background: transparent; font-size: 1.7rem; line-height: 1; color: var(--text-muted); cursor: pointer; border-radius: 50%; }
.lead-modal__close:hover { background: var(--surface-light); color: var(--brand-primary); }
.lw-head { display: flex; gap: 12px; align-items: center; margin-bottom: 14px; padding-right: 30px; }
.lw-head__avatar { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; flex: 0 0 auto; }
.lw-head__title { font-family: var(--ff-display); font-weight: 700; color: var(--brand-primary); margin: 0; font-size: 1.05rem; line-height: 1.2; }
.lw-head__sub { color: var(--text-muted); margin: 2px 0 0; font-size: .85rem; }
.lw-progress { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin: 4px 0 18px; }
.lw-track { display: flex; gap: 6px; flex: 1; }
.lw-dot { height: 6px; border-radius: 999px; background: #e3d5ec; flex: 1; transition: background .2s; }
.lw-dot.is-on { background: var(--brand-accent-magenta); }
.lw-count { color: var(--text-muted); font-size: .78rem; white-space: nowrap; }
.lw-nav { margin-top: 18px; }
.lw-nav .btn { justify-content: center; }
.lw-nav--split { display: flex; gap: 10px; }
.lw-nav--split .btn { flex: 1; }
.lead-modal .form-reassure { margin-top: 12px; }
.lead-modal .form-success { margin-top: 4px; }

/* ---------- Floating quote widget ---------- */
.quote-fab { position: fixed; right: clamp(16px, 2vw, 28px); bottom: max(16px, env(safe-area-inset-bottom)); z-index: 90; display: flex; flex-direction: column; align-items: flex-end; gap: 10px; }
/* Glass scrim behind the open Free Quote panel (same treatment as the mobile menu) */
.fab-backdrop {
  position: fixed; inset: 0; z-index: -1;
  background: rgba(40, 6, 48, .38);
  -webkit-backdrop-filter: blur(5px) saturate(1.05); backdrop-filter: blur(5px) saturate(1.05);
  opacity: 0; visibility: hidden; transition: opacity .22s ease;
}
.quote-fab.is-open .fab-backdrop { opacity: 1; visibility: visible; }
.quote-fab .fab-panel { display: none; background: #fff; border: 1px solid #e7dced; border-radius: var(--radius-card); box-shadow: var(--shadow-lg); padding: 16px; width: min(300px, calc(100vw - 32px)); }
.quote-fab.is-open .fab-panel { display: block; }
.quote-fab .fab-panel p { font-size: .9rem; margin-bottom: 12px; }
.quote-fab .fab-btn { display: inline-flex; align-items: center; gap: 8px; background: var(--brand-primary); color: #fff; border: 0; border-radius: 999px; padding: 13px 20px; font-weight: 700; font-size: .95rem; cursor: pointer; box-shadow: var(--shadow-lg); min-height: 52px; }
.quote-fab .fab-btn:hover { background: var(--brand-primary-alt); }
.quote-fab .fab-btn .ico { width: 18px; height: 18px; }
.quote-fab.is-open .fab-btn .fab-open-label { display: none; }
.quote-fab .fab-btn .fab-close-label { display: none; }
.quote-fab.is-open .fab-btn .fab-close-label { display: inline; }
.quote-fab .fab-panel .btn { margin-bottom: 8px; }

/* ---------- Footer ---------- */
.site-footer { position: relative; overflow: hidden; background: var(--brand-primary); background-image: linear-gradient(160deg, #620674 0%, #4a0558 100%); color: rgba(255,255,255,.85); padding-block: 46px 24px; }
.site-footer::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0;
  height: clamp(190px, 42%, 300px);
  background: url(../img/footer-skyline.png) center bottom / cover no-repeat;
  opacity: .12; pointer-events: none; z-index: 0;
}
.site-footer .container { position: relative; z-index: 1; }
.site-footer a { color: rgba(255,255,255,.82); }
.site-footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 26px; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 12px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 8px; font-size: .9rem; }
.footer-brand .brand { color: #fff; }
.footer-brand .brand small { color: rgba(255,255,255,.6); }
.footer-social { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 14px; }
.footer-social a { display: inline-flex; width: 42px; height: 42px; border-radius: var(--radius); overflow: hidden; transition: transform .14s, box-shadow .14s; }
.footer-social a:hover { transform: translateY(-3px); box-shadow: 0 6px 16px rgba(0,0,0,.28); }
.footer-social img { width: 100%; height: 100%; object-fit: contain; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.15); margin-top: 28px; padding-top: 18px; font-size: .82rem; display: flex; flex-wrap: wrap; gap: 8px 18px; justify-content: space-between; }
.footer-nap { font-size: .88rem; line-height: 1.7; }

/* ---------- Scroll reveal (progressive enhancement — only hides when JS is on) ---------- */
.reveal { transition: opacity .5s ease, transform .5s ease; }
.js .reveal { opacity: 0; transform: translateY(16px); }
.js .reveal.is-visible { opacity: 1; transform: none; }

/* =========================================================================
   Tablet: 481–1024
   ========================================================================= */
@media (min-width: 481px) {
  .stats { grid-template-columns: repeat(4, 1fr); }
  .services { grid-template-columns: repeat(3, 1fr); }
  .acards { grid-template-columns: 1fr 1fr; }
  .grid--2 { grid-template-columns: 1fr 1fr; }
  .grid--4 { grid-template-columns: 1fr 1fr; }
  .tabcards { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .post-grid { grid-template-columns: 1fr 1fr; }
  .hero-duo { grid-template-columns: 1.2fr 1fr; }
  .slider-track > .quote { flex-basis: min(60%, 360px); }
}

/* =========================================================================
   Desktop: >1024
   ========================================================================= */
@media (min-width: 1025px) {
  body { font-size: 17px; }
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
  .services { grid-template-columns: repeat(4, 1fr); }
  .acards { grid-template-columns: repeat(4, 1fr); }
  .tabcards { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1.35fr 1fr; gap: 40px; }
  .split .form-col { position: sticky; top: max(96px, calc(50vh - 210px)); }
  .post-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr 1.15fr; }
  .slider-track > .quote { flex-basis: calc(33.333% - 10px); }

  .nav-toggle { display: none; }
  .nav-backdrop { display: none; }
  .nav-menu {
    position: static; inset: auto; display: flex; align-items: center; gap: 10px;
    padding: 0; max-height: none; overflow: visible; transform: none; opacity: 1; visibility: visible;
    box-shadow: none; border: 0; background: transparent;
  }
  .nav-pill {
    display: flex; align-items: center; gap: 2px;
    background: transparent; border-radius: 999px; padding: 0;
  }
  .nav-pill > li { position: relative; }
  .nav-pill > li > a, .nav-pill > li > .nav-group-btn { padding: 9px 13px; font-size: .89rem; border-radius: 999px; width: auto; white-space: nowrap; }
  .nav-pill > li > a:hover, .nav-pill > li > .nav-group-btn:hover { background: var(--surface-lilac); color: var(--brand-primary); }
  .nav-cta { margin-top: 0; margin-left: 4px; }
  .nav-cta .btn { padding: 9px 16px 9px 10px; min-height: 44px; }
  .nav-cta .btn .chip { width: 28px; height: 28px; }
  .nav-group .nav-submenu { display: none; }
  .nav-pill > li.nav-group:hover .nav-submenu,
  .nav-pill > li.nav-group:focus-within .nav-submenu { display: block; }
  .nav-submenu {
    position: absolute; top: 100%; left: 0; min-width: 250px; background: #fff;
    border: 1px solid #eadfef; border-top: 3px solid var(--brand-accent-magenta);
    border-radius: 0 0 var(--radius) var(--radius); box-shadow: var(--shadow-md); padding: 8px; margin: 0; z-index: 60;
  }
  .nav-submenu a:hover { background: var(--surface-lilac); border-radius: var(--radius); }
  .nav-group-btn::after { content: " ▾"; float: none; font-size: .7em; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal, .js .reveal { opacity: 1; transform: none; }
}

/* ============================================================
   International health insurance — matcher wizard + page bits
   Reuses brand tokens, 16px radius, glass + form/card language.
   ============================================================ */
[hidden] { display: none !important; }

/* Answer-first (GEO) lead paragraph */
.answer-first {
  max-width: 68ch; margin: 22px auto 0; font-size: clamp(1.05rem, 2.4vw, 1.22rem);
  line-height: 1.7; color: var(--text-dark); font-weight: 500;
  border-left: 4px solid var(--brand-accent-magenta); padding: 4px 0 4px 18px;
}

/* Comparison table (public archetype matrix) */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius);
  box-shadow: var(--shadow-sm); border: 1px solid #e7dced; }
.cmp { width: 100%; min-width: 620px; border-collapse: collapse; background: var(--white); font-size: .95rem; }
.cmp th, .cmp td { padding: 13px 16px; text-align: left; border-bottom: 1px solid #efe7f3; vertical-align: top; }
.cmp thead th { background: var(--surface-lilac); color: var(--brand-primary); font-weight: 700;
  position: sticky; top: 0; }
.cmp thead th:first-child { border-top-left-radius: var(--radius); }
.cmp thead th:last-child { border-top-right-radius: var(--radius); }
.cmp tbody th[scope="row"] { font-weight: 600; color: var(--text-dark); background: #faf7fc; }
.cmp tbody tr:nth-child(even) td { background: #fcfafd; }
.cmp tbody tr:last-child th, .cmp tbody tr:last-child td { border-bottom: none; }

/* Wizard mount layout */
.wizard-mount { display: grid; grid-template-columns: 1fr; gap: 22px; margin-top: 28px; }
.wizard-app { background: var(--white); border: 1px solid #e7dced; border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: clamp(20px, 3.5vw, 32px); }
.wizard-aside { align-self: start; }
.wz-aside-card { background: var(--surface-light); border: 1px solid #e7dced; border-radius: var(--radius);
  padding: clamp(20px, 3vw, 26px); }
.wz-aside-card h3 { margin-top: 0; }
.wz-aside-list { list-style: none; padding: 0; margin: 0 0 18px; display: grid; gap: 12px; }
.wz-aside-list li { display: flex; gap: 10px; font-size: .95rem; line-height: 1.55; }
.wz-aside-list .ico { color: var(--brand-accent-green); flex: 0 0 auto; margin-top: 2px; }
.aside-actions { display: grid; gap: 10px; }
@media (min-width: 1025px) {
  .wizard-mount { grid-template-columns: 1.55fr 1fr; align-items: start; }
  .wizard-app, .wizard-fallback { grid-column: 1; grid-row: 1; }
  .wizard-aside { grid-column: 2; grid-row: 1; position: sticky; top: 86px; }
}

/* Wizard shell */
.wizard-progress { display: flex; align-items: center; justify-content: space-between; gap: 12px;
  flex-wrap: wrap; margin-bottom: 18px; }
.wz-eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .74rem; font-weight: 700;
  color: var(--brand-accent-magenta); }
.wz-dots { display: inline-flex; gap: 7px; }
.wz-dot { width: 22px; height: 6px; border-radius: 999px; background: #e6d9ee; transition: background .2s; }
.wz-dot.is-done { background: var(--brand-accent-magenta); }
.wz-dot.is-active { background: var(--brand-primary); }
.wizard-stage { min-height: 220px; }
.wz-title { font-family: var(--ff-display); font-size: clamp(1.35rem, 3.6vw, 1.9rem); font-weight: 600;
  margin: 0 0 6px; outline: none; }
.wz-sub { color: var(--text-muted); margin: 0 0 20px; line-height: 1.6; }
.wz-flabel { display: block; font-weight: 700; margin: 4px 0 10px; }

/* Wizard choice cards */
.wz-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 560px) { .wz-grid { grid-template-columns: 1fr 1fr; } .wz-grid--3 { grid-template-columns: 1fr 1fr 1fr; } }
.wz-card { position: relative; display: flex; align-items: flex-start; gap: 13px; cursor: pointer;
  background: var(--white); border: 1.5px solid #e0d3ea; border-radius: var(--radius); padding: 15px 16px;
  transition: border-color .15s, box-shadow .15s, background .15s; }
.wz-card:hover { border-color: var(--brand-accent-magenta); box-shadow: var(--shadow-sm); }
.wz-card input { position: absolute; opacity: 0; pointer-events: none; }
.wz-card.is-selected { border-color: var(--brand-primary); background: var(--surface-lilac);
  box-shadow: 0 0 0 1.5px var(--brand-primary) inset; }
.wz-card.is-disabled { opacity: .45; cursor: not-allowed; }
.wz-card-ico { flex: 0 0 auto; width: 40px; height: 40px; display: grid; place-items: center;
  border-radius: 12px; background: var(--surface-lilac); color: var(--brand-primary); }
.wz-card.is-selected .wz-card-ico { background: var(--brand-primary); color: #fff; }
.wz-card-ico .ico { width: 22px; height: 22px; }
.wz-card-body { display: flex; flex-direction: column; gap: 2px; }
.wz-card-label { font-weight: 700; line-height: 1.25; }
.wz-card-desc { font-size: .85rem; color: var(--text-muted); line-height: 1.4; }
.wz-check { position: absolute; top: 12px; right: 12px; width: 22px; height: 22px; border-radius: 50%;
  display: grid; place-items: center; background: var(--brand-primary); color: #fff; opacity: 0; transform: scale(.6);
  transition: opacity .15s, transform .15s; }
.wz-check .ico { width: 14px; height: 14px; }
.wz-card.is-selected .wz-check { opacity: 1; transform: scale(1); }
.wz-count { font-size: .9rem; color: var(--text-muted); margin: -6px 0 14px; }
.wz-count-n { font-weight: 800; color: var(--brand-primary); }
.wz-block { margin-bottom: 22px; }
.wz-extra { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; margin-top: 16px; }
.wz-num label { font-size: .82rem; }
.wz-follow { margin-top: 18px; }
.wz-pills { margin-top: 4px; }
.wz-pill { cursor: pointer; }
.wz-pill input { position: absolute; opacity: 0; }
.wz-pill.is-selected { border-color: var(--brand-primary); background: var(--surface-lilac); color: var(--brand-primary); font-weight: 700; }
.wz-fields { display: grid; gap: 4px; }
.wz-consent { display: flex; align-items: flex-start; gap: 9px; font-size: .92rem; margin: 8px 0 4px; line-height: 1.5; }
.wz-consent input { margin-top: 3px; width: auto; }
.wz-microcopy { display: flex; align-items: center; gap: 8px; color: var(--text-muted); font-size: .85rem; margin: 8px 0 0; }
.wz-microcopy .ico { color: var(--brand-primary); flex: 0 0 auto; }
textarea.wz-in { width: 100%; border: 1.5px solid #d9cbe2; border-radius: var(--radius-sm); padding: 11px 13px;
  font: inherit; min-height: 80px; resize: vertical; }
textarea.wz-in:focus { border-color: var(--brand-primary-alt); box-shadow: var(--focus-ring); outline: none; }
.wz-error { color: #c0392b; font-weight: 600; font-size: .9rem; margin: 14px 0 0; }

/* Wizard nav */
.wizard-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px;
  padding-top: 18px; border-top: 1px solid #efe7f3; }
.wizard-nav .wz-next { margin-left: auto; }

/* Results */
.wz-results { display: grid; gap: 16px; margin-top: 6px; }
.wz-res { border: 1.5px solid #e0d3ea; border-radius: var(--radius); padding: 20px; background: var(--white); }
.wz-res--top { border-color: var(--brand-primary); box-shadow: var(--shadow-md);
  background: linear-gradient(180deg, var(--surface-lilac), var(--white) 60%); }
.wz-res-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; flex-wrap: wrap; }
.wz-role { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--brand-primary); font-size: .9rem; }
.wz-rank { width: 22px; height: 22px; border-radius: 50%; background: var(--brand-primary); color: #fff;
  display: grid; place-items: center; font-size: .8rem; font-weight: 800; }
.wz-band { font-size: .78rem; font-weight: 800; padding: 4px 11px; border-radius: 999px; letter-spacing: .02em; }
.wz-band--hi { background: rgba(98,112,35,.14); color: #4c581b; }
.wz-band--mid { background: rgba(181,23,158,.12); color: var(--brand-accent-magenta); }
.wz-plan { font-family: var(--ff-display); font-size: 1.28rem; margin: 12px 0 3px; }
.wz-bestfor { color: var(--text-muted); margin: 0 0 12px; font-size: .95rem; }
.wz-why { list-style: none; padding: 0; margin: 0 0 12px; display: grid; gap: 8px; }
.wz-why li { display: flex; gap: 9px; font-size: .93rem; line-height: 1.5; }
.wz-why .ico { color: var(--brand-accent-green); flex: 0 0 auto; margin-top: 2px; }
.wz-consider { display: flex; gap: 9px; font-size: .88rem; color: var(--text-muted); background: var(--surface-light);
  padding: 10px 13px; border-radius: 12px; margin: 0 0 12px; line-height: 1.5; }
.wz-consider .ico { color: var(--brand-accent-teal); flex: 0 0 auto; margin-top: 1px; }
.wz-res-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: .85rem; font-weight: 600; color: var(--text-dark);
  border-top: 1px solid #efe7f3; padding-top: 12px; }
.wz-res-meta span { display: inline-flex; align-items: center; }
.wz-disclaimer { display: flex; gap: 10px; font-size: .82rem; color: var(--text-muted); line-height: 1.55;
  margin: 18px 0 0; }
.wz-disclaimer .ico { color: var(--brand-primary); flex: 0 0 auto; margin-top: 1px; }
.wz-empty { background: var(--surface-light); border-radius: var(--radius); padding: 22px; line-height: 1.6; }
.wz-callback { margin-top: 26px; }
.wz-cb-fields { display: grid; gap: 4px; }
.wz-cb-alt { margin-top: 14px; }
.wz-cb-success { margin-top: 20px; }

/* Keep wizard headings + the section clear of the sticky header on scroll/jump */
.wizard-section { scroll-margin-top: 80px; }
.wz-title { scroll-margin-top: 84px; }
.wz-cb-success, .form-success { scroll-margin-top: 84px; }

/* Results header + adjust button + fewer-than-3 note */
.wz-results-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.wz-results-head .wz-title { margin-bottom: 0; }
.wz-restart { display: inline-flex; align-items: center; gap: 6px; background: transparent; border: 1.5px solid #d9cbe2;
  color: var(--brand-primary-alt); font-weight: 700; font-size: .85rem; padding: 8px 13px; border-radius: 999px; cursor: pointer;
  white-space: nowrap; }
.wz-restart:hover { border-color: var(--brand-accent-magenta); color: var(--brand-accent-magenta); }
.wz-restart .ico { width: 15px; height: 15px; }
.wz-note { display: flex; gap: 10px; align-items: flex-start; background: var(--surface-lilac);
  border: 1px solid var(--glass-light-border); border-radius: 12px; padding: 12px 15px; margin: 16px 0 4px;
  font-size: .9rem; line-height: 1.55; color: var(--text-dark); }
.wz-note .ico { color: var(--brand-primary); flex: 0 0 auto; margin-top: 2px; }

/* Cross-link card (e.g. medical -> international health insurance) */
.crosslink-card { display: grid; grid-template-columns: 1fr; gap: 20px; align-items: center;
  background: var(--white); border: 1px solid #e7dced; border-left: 5px solid var(--brand-accent-magenta);
  border-radius: var(--radius); padding: clamp(24px, 4vw, 36px); box-shadow: var(--shadow-md); }
.crosslink-text h2 { margin: 6px 0 8px; }
.crosslink-text p { color: var(--text-muted); max-width: 66ch; margin: 0; }
.crosslink-action .btn { white-space: normal; text-align: left; }
@media (max-width: 819px) { .crosslink-action .btn { width: 100%; justify-content: center; text-align: center; } }
@media (min-width: 820px) { .crosslink-card { grid-template-columns: 1fr auto; gap: 34px; } }

/* --- Team & advisor photos (Farzana) --- */
.advisor-row{display:flex;align-items:center;gap:14px;margin:16px 0 6px;text-align:left}
.advisor-avatar{width:56px;height:56px;border-radius:50%;object-fit:cover;flex:0 0 auto;box-shadow:0 2px 8px rgba(98,6,116,.20)}
.advisor-row p{margin:0;font-size:.95rem;line-height:1.5}
.advisor-card{display:flex;gap:18px;align-items:center;background:#fff;border:1px solid #ece6f2;border-radius:16px;padding:18px;margin-bottom:22px;box-shadow:0 6px 20px rgba(43,36,64,.06)}
.advisor-card .advisor-photo{width:112px;height:auto;border-radius:14px;object-fit:cover;flex:0 0 auto}
.advisor-card .eyebrow{margin-bottom:2px}
.advisor-card h3{margin:.15rem 0 .4rem}
.advisor-card p{margin:0;font-size:.92rem;line-height:1.55;color:#4a4360}
.team-photo{width:100%;height:auto;max-height:560px;object-fit:cover;border-radius:18px;display:block;box-shadow:0 10px 30px rgba(43,36,64,.12)}
@media(max-width:640px){.advisor-card{flex-direction:column;text-align:center;align-items:center}.advisor-card .advisor-photo{width:150px}}