/* ============================================================
   Update Your Quotes — design system
   Navy + heritage gold · Fraunces + Inter
   ============================================================ */

/* ---------- Fonts (self-hosted, latin) ---------- */
@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 500 700;
  font-display: swap;
  src: url("../fonts/fraunces-latin.woff2") format("woff2");
}
@font-face {
  font-family: "Inter";
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url("../fonts/inter-latin.woff2") format("woff2");
}

/* ---------- Tokens ---------- */
:root {
  --navy-950: #08192a;
  --navy-900: #0b2239;
  --navy-800: #12314d;
  --navy-700: #1a4163;
  --blue-700: #15567f;
  --blue-600: #1e6fa8;
  --blue-500: #2e8bc9;
  --blue-100: #e7f0f7;
  --gold-600: #c98f0a;
  --gold-500: #f0b429;
  --gold-400: #f6c95c;
  --gold-100: #fdf3d8;
  --ink: #12202e;
  --muted: #5b6b7b;
  --muted-soft: #7b8a99;
  --line: #dde5ec;
  --line-strong: #c9d5df;
  --paper: #ffffff;
  --mist: #f4f7fa;
  --sand: #faf8f2;
  --danger: #b42318;
  --danger-bg: #fef3f2;
  --success: #067647;
  --success-bg: #ecfdf3;
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(8, 25, 42, 0.05), 0 6px 18px rgba(8, 25, 42, 0.05);
  --shadow-md: 0 16px 44px rgba(8, 25, 42, 0.12);
  --container: 1180px;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}

/* ---------- Reset ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

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

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--navy-900);
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin: 0 0 0.6em;
  text-wrap: balance;
}

h1 { font-size: clamp(2.4rem, 1.6rem + 3vw, 3.9rem); }
h2 { font-size: clamp(1.9rem, 1.45rem + 1.9vw, 2.9rem); }
h3 { font-size: 1.25rem; letter-spacing: -0.01em; }
h4 { font-size: 1.05rem; }

p { margin: 0 0 1rem; }
p:last-child { margin-bottom: 0; }

a { color: var(--blue-600); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--blue-700); }

ul, ol { margin: 0 0 1rem; padding-left: 1.2rem; }
li { margin-bottom: 0.35rem; }

strong { font-weight: 600; }

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

::selection { background: var(--gold-100); color: var(--navy-900); }

[hidden] { display: none !important; }

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  z-index: 300;
  background: var(--gold-500);
  color: var(--navy-900);
  font-weight: 600;
  padding: 12px 18px;
  border-radius: 0 0 10px 10px;
  transition: top 0.15s ease;
}
.skip-link:focus { top: 0; color: var(--navy-900); }

.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;
}

/* ---------- Layout ---------- */
.container {
  width: min(100% - 2.5rem, var(--container));
  margin-inline: auto;
}
.container--narrow { width: min(100% - 2.5rem, 860px); }

.section { padding: clamp(4rem, 7vw, 6.5rem) 0; }
.section--tight { padding: clamp(2.5rem, 4vw, 4rem) 0; }
.section--mist { background: var(--mist); }
.section--sand { background: var(--sand); }
.section--flush { padding-bottom: 0; }

.section-head { max-width: 680px; margin-bottom: clamp(2rem, 4vw, 3rem); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head p { margin-bottom: 0; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin: 0 0 1rem;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
}
.section-head--center .eyebrow::after {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
}

.lede {
  font-size: clamp(1.05rem, 1rem + 0.25vw, 1.18rem);
  color: var(--muted);
  line-height: 1.7;
}

/* ---------- Icons ---------- */
.icon {
  width: 22px;
  height: 22px;
  flex: none;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}
.icon--sm { width: 18px; height: 18px; }
.icon--lg { width: 28px; height: 28px; }

.icon-box {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--blue-100);
  color: var(--blue-700);
  flex: none;
}
.icon-box--gold { background: var(--gold-100); color: var(--gold-600); }
.icon-box--navy { background: rgba(255, 255, 255, 0.1); color: var(--gold-400); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 50px;
  padding: 13px 24px;
  border: 1.5px solid transparent;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.18s ease, border-color 0.18s ease, color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}
.btn .icon { width: 19px; height: 19px; }
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn--primary {
  background: var(--gold-500);
  border-color: var(--gold-500);
  color: var(--navy-950);
  box-shadow: 0 6px 18px rgba(240, 180, 41, 0.28);
}
.btn--primary:hover { background: var(--gold-400); border-color: var(--gold-400); color: var(--navy-950); }
.btn--secondary {
  background: transparent;
  border-color: var(--navy-800);
  color: var(--navy-900);
}
.btn--secondary:hover { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }
.btn--light {
  background: #fff;
  border-color: #fff;
  color: var(--navy-900);
}
.btn--light:hover { background: var(--mist); border-color: var(--mist); color: var(--navy-900); }
.btn--ghost-light {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
}
.btn--ghost-light:hover { background: rgba(255, 255, 255, 0.1); border-color: rgba(255, 255, 255, 0.6); color: #fff; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: 0.65; cursor: not-allowed; transform: none; }

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-weight: 600;
  font-size: 0.93rem;
  text-decoration: none;
  color: var(--blue-700);
}
.text-link .icon { transition: transform 0.18s ease; }
.text-link:hover .icon { transform: translateX(3px); }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-950);
  color: #c6d5e2;
  font-size: 0.8rem;
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 38px;
  padding: 7px 0;
}
.topbar__note {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 0;
  color: #c6d5e2;
}
.topbar__note .icon { width: 15px; height: 15px; color: var(--gold-400); }
.topbar__links {
  display: flex;
  align-items: center;
  gap: 22px;
}
.topbar__links a,
.topbar__links span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: #d5e1eb;
  text-decoration: none;
  white-space: nowrap;
}
.topbar__links a:hover { color: #fff; }
.topbar__links .icon { width: 14px; height: 14px; color: var(--gold-400); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 120;
  background: #fff;
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.2s ease;
}
.site-header.is-scrolled { box-shadow: 0 10px 30px rgba(8, 25, 42, 0.08); }

.masthead {
  display: flex;
  align-items: center;
  gap: clamp(20px, 3vw, 40px);
  min-height: 86px;
  padding: 10px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex: none;
}
.brand__mark { width: 42px; height: 46px; }
.brand__text strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--navy-900);
  line-height: 1.02;
  letter-spacing: -0.015em;
}
.brand__text small {
  display: block;
  margin-top: 5px;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--muted);
}
.brand:hover .brand__text strong { color: var(--navy-900); }

.primary-nav { margin-left: auto; }
.nav-list {
  display: flex;
  align-items: center;
  gap: 2px;
  margin: 0;
  padding: 0;
  list-style: none;
}
.nav-list > li { margin: 0; position: relative; }

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 13px;
  border: 0;
  border-radius: 8px;
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--navy-800);
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
}
.nav-link:hover { color: var(--blue-700); background: var(--mist); }
.nav-link .icon { width: 15px; height: 15px; transition: transform 0.18s ease; }
.nav-link[aria-expanded="true"] .icon { transform: rotate(180deg); }
.nav-link.is-active { color: var(--navy-900); font-weight: 600; }
.nav-link.is-active::after {
  content: "";
  position: absolute;
  left: 13px;
  right: 13px;
  bottom: 3px;
  height: 2px;
  border-radius: 2px;
  background: var(--gold-500);
}

.nav-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  width: 336px;
  padding: 8px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-md);
  transform: translate(-50%, 6px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
  z-index: 130;
}
.has-menu.is-open .nav-menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}
.nav-menu__item {
  display: flex;
  align-items: flex-start;
  gap: 13px;
  padding: 11px 12px;
  border-radius: 10px;
  text-decoration: none;
  color: var(--ink);
}
.nav-menu__item:hover { background: var(--mist); color: var(--ink); }
.nav-menu__item .icon-box { width: 38px; height: 38px; border-radius: 10px; }
.nav-menu__item .icon-box .icon { width: 19px; height: 19px; }
.nav-menu__label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy-900);
}
.nav-menu__desc {
  display: block;
  font-size: 0.78rem;
  line-height: 1.45;
  color: var(--muted);
  margin-top: 2px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
  flex: none;
}
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--navy-900);
}
.header-phone .icon { width: 20px; height: 20px; color: var(--blue-600); }
.header-phone__text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.header-phone__text span {
  font-size: 0.68rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}
.header-phone strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 600;
  line-height: 1.25;
}
.header-phone:hover strong { color: var(--blue-700); }
.header-actions .btn { min-height: 46px; padding: 11px 20px; }

.menu-btn {
  display: none;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border: 1.5px solid var(--line-strong);
  border-radius: 10px;
  background: #fff;
  color: var(--navy-900);
  cursor: pointer;
}
.menu-btn:hover { border-color: var(--navy-800); }
.menu-btn .icon { width: 22px; height: 22px; }

/* Mobile menu */
.mobile-menu {
  display: none;
  border-top: 1px solid var(--line);
  background: #fff;
  max-height: calc(100dvh - 70px);
  overflow-y: auto;
  padding: 10px 0 22px;
}
.site-header.is-open .mobile-menu { display: block; }
.mobile-menu__list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.mobile-menu__list > li { margin: 0; border-bottom: 1px solid var(--line); }
.mobile-menu__list > li > a,
.mobile-menu__group > summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 15px 4px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy-900);
  text-decoration: none;
  cursor: pointer;
}
.mobile-menu__list > li > a:hover { color: var(--blue-700); }
.mobile-menu__group > summary { list-style: none; }
.mobile-menu__group > summary::-webkit-details-marker { display: none; }
.mobile-menu__group > summary .icon { transition: transform 0.18s ease; }
.mobile-menu__group[open] > summary .icon { transform: rotate(180deg); }
.mobile-menu__sub {
  list-style: none;
  margin: 0 0 10px;
  padding: 2px 0 6px 4px;
}
.mobile-menu__sub li { margin: 0; }
.mobile-menu__sub a {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 11px 10px;
  border-radius: 8px;
  color: var(--navy-800);
  text-decoration: none;
  font-size: 0.95rem;
}
.mobile-menu__sub a:hover { background: var(--mist); color: var(--blue-700); }
.mobile-menu__sub .icon { width: 18px; height: 18px; color: var(--blue-600); }
.mobile-menu__contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 18px 4px 0;
}
.mobile-menu__contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy-900);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
}
.mobile-menu__contact .icon { color: var(--blue-600); }
.mobile-menu .btn { margin-top: 6px; }

body.nav-locked { overflow: hidden; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(700px 460px at 88% 8%, rgba(240, 180, 41, 0.16), transparent 62%),
    radial-gradient(820px 560px at 6% 96%, rgba(46, 139, 201, 0.28), transparent 65%),
    linear-gradient(158deg, var(--navy-950) 0%, var(--navy-900) 52%, #0f2f4d 100%);
  color: #f2f6f9;
  padding: clamp(3.5rem, 6.5vw, 6rem) 0 clamp(5.5rem, 8vw, 7.5rem);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.032) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.032) 1px, transparent 1px);
  background-size: 58px 58px;
  -webkit-mask-image: linear-gradient(to bottom, #000 0%, transparent 82%);
  mask-image: linear-gradient(to bottom, #000 0%, transparent 82%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(0, 0.94fr);
  align-items: center;
  gap: clamp(2.5rem, 5vw, 4.5rem);
}
.hero .eyebrow { color: var(--gold-400); }
.hero .eyebrow::before { background: var(--gold-400); }
.hero h1 {
  color: #fff;
  font-size: clamp(2.55rem, 1.55rem + 3.6vw, 4.35rem);
  line-height: 1.03;
  letter-spacing: -0.025em;
  margin: 0 0 1.1rem;
}
.hero h1 em {
  font-style: normal;
  color: var(--gold-400);
}
.hero__lede {
  max-width: 35rem;
  font-size: clamp(1.02rem, 0.98rem + 0.32vw, 1.18rem);
  line-height: 1.7;
  color: #c9d8e5;
  margin-bottom: 0;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-top: 2rem;
}
.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  margin-top: 2.4rem;
  padding-top: 1.6rem;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 0.85rem;
  line-height: 1.45;
  color: #b9ccda;
}
.trust-item .icon { width: 18px; height: 18px; color: var(--gold-400); margin-top: 1px; }

.hero__visual { position: relative; display: flex; justify-content: center; }

.quote-visual {
  position: relative;
  width: 100%;
  max-width: 430px;
  padding: 34px 0;
  display: grid;
  place-items: center;
}
.quote-visual__ring {
  position: absolute;
  inset: 50% auto auto 50%;
  width: min(430px, 92vw);
  aspect-ratio: 1;
  transform: translate(-50%, -50%);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 50%;
  pointer-events: none;
}
.quote-visual__ring::before {
  content: "";
  position: absolute;
  inset: 34px;
  border: 1px dashed rgba(255, 255, 255, 0.14);
  border-radius: 50%;
}
.quote-visual__ring::after {
  content: "";
  position: absolute;
  inset: 78px;
  border: 1px solid rgba(240, 180, 41, 0.22);
  border-radius: 50%;
}
.quote-card {
  position: relative;
  width: min(100%, 402px);
  background: #fff;
  color: var(--ink);
  border-radius: var(--radius-lg);
  box-shadow: 0 36px 80px rgba(3, 14, 25, 0.45);
  padding: 26px 26px 22px;
  transform: rotate(-1.2deg);
}
.quote-card__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 6px;
}
.quote-card__head h2 {
  font-family: var(--font-body);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: 0;
  margin: 0;
  color: var(--navy-900);
}
.quote-card__badge {
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-600);
  background: var(--gold-100);
  border-radius: 999px;
  padding: 5px 10px;
  white-space: nowrap;
}
.quote-card__rows { margin: 10px 0 0; padding: 0; list-style: none; }
.quote-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 0;
  border-bottom: 1px dashed var(--line);
  margin: 0;
}
.quote-row:last-child { border-bottom: 0; }
.quote-row__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--blue-100);
  color: var(--blue-700);
  flex: none;
}
.quote-row__icon .icon { width: 19px; height: 19px; }
.quote-row__text { flex: 1; min-width: 0; }
.quote-row__text strong { display: block; font-size: 0.9rem; font-weight: 600; color: var(--navy-900); line-height: 1.3; }
.quote-row__text span { display: block; font-size: 0.76rem; color: var(--muted); line-height: 1.4; margin-top: 1px; }
.quote-row__check { color: var(--success); }
.quote-row__check .icon { width: 18px; height: 18px; }
.quote-card__foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 10px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}
.quote-card__foot span { font-size: 0.74rem; color: var(--muted); line-height: 1.35; }
.quote-card__foot a { font-size: 0.82rem; font-weight: 600; text-decoration: none; white-space: nowrap; }

.visual-chip {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.97);
  color: var(--navy-900);
  border-radius: 10px;
  box-shadow: 0 14px 34px rgba(3, 14, 25, 0.3);
  padding: 9px 13px;
  font-size: 0.76rem;
  font-weight: 600;
  white-space: nowrap;
  z-index: 2;
}
.visual-chip .icon { width: 16px; height: 16px; color: var(--blue-600); }
.visual-chip--1 { top: 18px; right: -6px; }
.visual-chip--2 { bottom: 16px; left: -10px; }

/* ---------- Product strip ---------- */
.product-strip {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: relative;
  z-index: 2;
}
.product-strip__inner {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
}
.strip-link {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 22px 18px;
  text-decoration: none;
  color: var(--navy-800);
  font-size: 0.88rem;
  font-weight: 600;
  border-left: 1px solid var(--line);
  transition: background-color 0.18s ease, color 0.18s ease;
}
.strip-link:first-child { border-left: 0; }
.strip-link:hover { background: var(--mist); color: var(--blue-700); }
.strip-link .icon { width: 20px; height: 20px; color: var(--blue-600); }
.strip-link span { flex: 1; }

/* ---------- Coverage cards ---------- */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(205px, 1fr));
  gap: 18px;
}
.coverage-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 22px;
  text-decoration: none;
  color: var(--ink);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.coverage-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
  color: var(--ink);
}
.coverage-card .icon-box { margin-bottom: 18px; }
.coverage-card h3 {
  font-family: var(--font-body);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: 0;
  margin: 0 0 8px;
}
.coverage-card p {
  font-size: 0.86rem;
  line-height: 1.6;
  color: var(--muted);
  margin: 0 0 18px;
}
.coverage-card .text-link { margin-top: auto; font-size: 0.85rem; }

/* ---------- Steps ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 26px;
}
.step__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--gold-100);
  color: var(--gold-600);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 18px;
}
.step h3 {
  font-family: var(--font-body);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: 0;
  margin: 0 0 8px;
}
.step p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* ---------- Split / independence ---------- */
.split {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: center;
}
.split__visual { position: relative; }
.split__visual .panel { position: relative; z-index: 1; }

.check-list {
  list-style: none;
  margin: 1.4rem 0 0;
  padding: 0;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 0 0 14px;
  font-size: 0.95rem;
  line-height: 1.6;
}
.check-list li:last-child { margin-bottom: 0; }
.check-list .icon {
  width: 20px;
  height: 20px;
  color: var(--blue-600);
  margin-top: 3px;
}
.check-list strong { color: var(--navy-900); }

.compare-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 26px;
}
.compare-card svg { width: 100%; height: auto; }
.compare-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
  font-size: 0.76rem;
  color: var(--muted);
}
.compare-legend span { display: inline-flex; align-items: center; gap: 7px; }
.compare-legend i {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  display: inline-block;
}
.compare-legend .dot-you { background: var(--gold-500); }
.compare-legend .dot-us { background: var(--blue-600); }
.compare-legend .dot-carrier { background: var(--navy-800); }

/* ---------- Benefit columns ---------- */
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
.benefit {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.benefit .icon-box { margin-bottom: 16px; }
.benefit h3 {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0;
  margin: 0 0 7px;
}
.benefit p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* ---------- FAQ ---------- */
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 20px 2px;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy-900);
  list-style: none;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary:hover { color: var(--blue-700); }
.faq-list .faq-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: 1px solid var(--line-strong);
  color: var(--blue-700);
  flex: none;
  transition: transform 0.2s ease, background-color 0.2s ease, border-color 0.2s ease;
}
.faq-list .faq-icon .icon { width: 15px; height: 15px; }
.faq-list details[open] .faq-icon {
  transform: rotate(45deg);
  background: var(--blue-100);
  border-color: transparent;
}
.faq-list .faq-answer {
  padding: 0 48px 22px 2px;
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.7;
}
.faq-list .faq-answer p { margin-bottom: 0.7rem; }
.faq-list .faq-answer p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(560px 320px at 88% 20%, rgba(240, 180, 41, 0.18), transparent 70%),
    linear-gradient(140deg, var(--navy-950), var(--navy-800));
  border-radius: var(--radius-lg);
  color: #eaf1f7;
  padding: clamp(2.4rem, 4.5vw, 3.6rem);
}
.cta-band::after {
  content: "";
  position: absolute;
  right: -60px;
  bottom: -90px;
  width: 300px;
  height: 300px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 50%;
  pointer-events: none;
}
.cta-band__inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.cta-band h2 { color: #fff; margin-bottom: 0.5rem; }
.cta-band p {
  color: #c9d8e5;
  max-width: 36rem;
  margin: 0;
  font-size: 0.98rem;
}
.cta-band__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  flex: none;
}
.cta-band__phone {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
  margin-top: 6px;
}
.cta-band__phone .icon { width: 18px; height: 18px; color: var(--gold-400); }
.cta-band__phone:hover { color: var(--gold-400); }

/* ---------- Interior page hero ---------- */
.page-hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(520px 320px at 92% 0%, rgba(240, 180, 41, 0.13), transparent 65%),
    linear-gradient(150deg, var(--navy-950), var(--navy-800));
  color: #eaf1f7;
  padding: clamp(2.6rem, 5vw, 4.4rem) 0 clamp(2.8rem, 5vw, 4.6rem);
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 52px 52px;
  -webkit-mask-image: linear-gradient(to bottom, #000, transparent 90%);
  mask-image: linear-gradient(to bottom, #000, transparent 90%);
  pointer-events: none;
}
.page-hero__inner { position: relative; z-index: 1; max-width: 780px; }
.page-hero h1 { color: #fff; margin: 0.4rem 0 0.9rem; }
.page-hero__lede {
  color: #c9d8e5;
  font-size: clamp(1rem, 0.96rem + 0.3vw, 1.14rem);
  line-height: 1.7;
  margin: 0;
  max-width: 46rem;
}
.page-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 1.8rem;
}
.page-hero__watermark {
  position: absolute;
  right: -30px;
  top: 50%;
  transform: translateY(-50%);
  width: clamp(180px, 26vw, 340px);
  height: auto;
  color: rgba(255, 255, 255, 0.07);
  pointer-events: none;
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: #9db2c2;
}
.breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.breadcrumbs li { margin: 0; display: inline-flex; align-items: center; gap: 8px; }
.breadcrumbs li::after { content: "/"; color: rgba(255, 255, 255, 0.28); }
.breadcrumbs li:last-child::after { display: none; }
.breadcrumbs a { color: #c9d8e5; text-decoration: none; }
.breadcrumbs a:hover { color: #fff; text-decoration: underline; }
.breadcrumbs [aria-current="page"] { color: #fff; }

/* ---------- Interior content ---------- */
.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, 0.88fr);
  gap: clamp(2.2rem, 4.5vw, 4rem);
  align-items: start;
}
.content-grid--even { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }

.panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2rem);
  box-shadow: var(--shadow-sm);
}
.panel--navy {
  background: linear-gradient(145deg, var(--navy-900), var(--navy-800));
  border-color: transparent;
  color: #c9d8e5;
}
.panel--navy h2,
.panel--navy h3 { color: #fff; }
.panel--navy p { color: #c9d8e5; }
.panel h2 { font-size: 1.5rem; margin-bottom: 0.8rem; }
.panel h2:last-child, .panel h3:last-child { margin-bottom: 0; }
.panel > p:last-child { margin-bottom: 0; }
.panel .icon-box { margin-bottom: 15px; }

.callout {
  border-left: 4px solid var(--gold-500);
  background: var(--gold-100);
  border-radius: 0 12px 12px 0;
  padding: 18px 20px;
  font-size: 0.92rem;
  line-height: 1.65;
  color: var(--navy-900);
}
.callout strong { font-weight: 600; }
.callout--blue { border-left-color: var(--blue-600); background: var(--blue-100); }
.callout p:last-child { margin-bottom: 0; }

.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.feature {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
}
.feature .icon { color: var(--blue-600); width: 22px; height: 22px; margin-top: 2px; }
.feature strong { display: block; font-size: 0.92rem; font-weight: 600; color: var(--navy-900); line-height: 1.35; }
.feature span { display: block; font-size: 0.84rem; color: var(--muted); line-height: 1.55; margin-top: 3px; }

.related-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.related-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 17px 18px;
  text-decoration: none;
  color: var(--navy-900);
  font-weight: 600;
  font-size: 0.9rem;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}
.related-card .icon { width: 18px; height: 18px; color: var(--blue-600); }
.related-card:hover { border-color: var(--blue-500); box-shadow: var(--shadow-sm); color: var(--blue-700); }
.related-card__label { display: flex; align-items: center; gap: 10px; }
.fine-print { font-size: 0.78rem; line-height: 1.55; }

/* ---------- Prose (legal pages) ---------- */
.prose { max-width: 760px; }
.prose h2 {
  font-size: 1.5rem;
  margin: 2.2rem 0 0.7rem;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.1rem; margin: 1.6rem 0 0.5rem; }
.prose p, .prose li { color: var(--muted); font-size: 0.98rem; }
.prose strong { color: var(--ink); }
.prose ul { padding-left: 1.25rem; }
.prose .updated {
  display: inline-block;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--blue-700);
  background: var(--blue-100);
  border-radius: 999px;
  padding: 5px 12px;
  margin-bottom: 1.6rem;
}

/* ---------- Contact ---------- */
.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.14fr) minmax(0, 0.86fr);
  gap: clamp(2rem, 4vw, 3.2rem);
  align-items: start;
}
.contact-form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: clamp(1.6rem, 3.5vw, 2.5rem);
}
.contact-form-card h2 { font-size: 1.65rem; margin-bottom: 0.5rem; }
.contact-form-card > p { color: var(--muted); font-size: 0.94rem; margin-bottom: 1.6rem; }
.contact-aside { display: grid; gap: 18px; }
.info-list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.info-list li {
  display: flex;
  gap: 13px;
  margin: 0 0 18px;
  font-size: 0.93rem;
  line-height: 1.55;
}
.info-list li:last-child { margin-bottom: 0; }
.info-list .icon { width: 20px; height: 20px; color: var(--blue-600); margin-top: 3px; flex: none; }
.panel--navy .info-list .icon { color: var(--gold-400); }
.info-list strong { display: block; color: var(--navy-900); font-weight: 600; font-size: 0.86rem; }
.info-list a { color: inherit; text-decoration: none; }
.info-list a:hover { text-decoration: underline; }
.panel--navy .info-list strong { color: #fff; }
.info-list span { color: var(--muted); }
.panel--navy .info-list span { color: #c9d8e5; }

/* ---------- Forms ---------- */
.quote-form { margin: 0; }
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px 14px;
}
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: 0.01em;
}
.field label .req { color: var(--danger); }
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 0.95rem;
  line-height: 1.4;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field textarea { min-height: 110px; resize: vertical; }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235b6b7b' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 42px; }
.field input:hover,
.field select:hover,
.field textarea:hover { border-color: var(--muted-soft); }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(30, 111, 168, 0.16);
}
.field input[aria-invalid="true"],
.field select[aria-invalid="true"] { border-color: var(--danger); }
.field-error {
  display: none;
  font-size: 0.78rem;
  line-height: 1.4;
  color: var(--danger);
}
.field.has-error .field-error { display: block; }
.field.has-error label { color: var(--danger); }

.consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.82rem;
  line-height: 1.55;
  color: var(--muted);
}
.consent input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex: none;
  accent-color: var(--blue-600);
}
.consent a { color: var(--blue-700); }

.form-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-top: 4px;
  grid-column: 1 / -1;
}
.form-note {
  font-size: 0.78rem;
  line-height: 1.5;
  color: var(--muted);
  margin: 0;
}
.form-note .icon { width: 14px; height: 14px; display: inline-block; vertical-align: -2px; color: var(--blue-600); margin-right: 4px; }

.form-status {
  grid-column: 1 / -1;
  display: none;
  gap: 13px;
  align-items: flex-start;
  border: 1px solid var(--line-strong);
  border-radius: 12px;
  padding: 16px 18px;
  font-size: 0.9rem;
  line-height: 1.6;
}
.form-status.is-visible { display: flex; }
.form-status--success {
  background: var(--success-bg);
  border-color: #abefc6;
  color: #085d3a;
}
.form-status--error {
  background: var(--danger-bg);
  border-color: #fecdca;
  color: #912018;
}
.form-status .icon { flex: none; width: 22px; height: 22px; margin-top: 1px; }
.form-status strong { display: block; margin-bottom: 2px; }
.form-status a { color: inherit; font-weight: 600; }
.form-status span { display: block; color: inherit; opacity: 0.92; }

/* Honeypot */
.hp-field {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

/* ---------- 404 ---------- */
.error-page {
  padding: clamp(4rem, 9vw, 7rem) 0;
  text-align: center;
  background:
    radial-gradient(600px 400px at 50% 0%, var(--blue-100), transparent 70%),
    var(--paper);
}
.error-page__code {
  font-family: var(--font-display);
  font-size: clamp(4rem, 10vw, 7rem);
  font-weight: 600;
  line-height: 1;
  color: var(--navy-900);
  margin: 0 0 0.4rem;
}
.error-page__code span { color: var(--gold-500); }
.error-page p { max-width: 34rem; margin-inline: auto; color: var(--muted); }
.error-page .btn { margin-top: 1.6rem; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: #b9ccda;
  padding: clamp(3rem, 5.5vw, 4.5rem) 0 0;
  margin-top: clamp(3rem, 6vw, 5rem);
  font-size: 0.9rem;
}
.site-footer a { color: #d5e1eb; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 0.7fr) minmax(0, 0.7fr) minmax(0, 1fr);
  gap: clamp(2rem, 4vw, 3.5rem);
  padding-bottom: clamp(2.2rem, 4vw, 3.2rem);
}
.footer-brand .brand { margin-bottom: 1.1rem; }
.footer-brand .brand__text strong { color: #fff; }
.footer-brand .brand__text small { color: #8fa6b8; }
.footer-brand p {
  color: #a8bccb;
  font-size: 0.88rem;
  line-height: 1.7;
  max-width: 22rem;
  margin-bottom: 1.1rem;
}
.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--gold-400);
}
.footer-badge .icon { width: 16px; height: 16px; }

.footer-heading {
  font-family: var(--font-body);
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #8fa6b8;
  margin: 4px 0 1.1rem;
}
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin: 0 0 9px; }
.footer-links a { font-size: 0.88rem; }

.footer-contact { list-style: none; margin: 0; padding: 0; }
.footer-contact li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 0 0 12px;
  font-size: 0.86rem;
  line-height: 1.55;
  color: #a8bccb;
}
.footer-contact li:last-child { margin-bottom: 0; }
.footer-contact .icon { width: 17px; height: 17px; color: var(--gold-400); flex: none; margin-top: 3px; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.4rem 0 1.6rem;
  font-size: 0.78rem;
  color: #8fa6b8;
}
.footer-bottom p { margin: 0; }
.footer-legal {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.footer-legal li { margin: 0; }
.footer-legal a { font-size: 0.78rem; }
.footer-disclaimer {
  max-width: 56rem;
  margin: 0;
  padding-bottom: 1.4rem;
  font-size: 0.72rem;
  line-height: 1.6;
  color: #7f97aa;
}

/* ---------- Buttons: gold ---------- */
.btn--gold {
  background: var(--gold-500);
  color: var(--navy-950);
  border: 1px solid var(--gold-500);
  box-shadow: 0 8px 20px rgba(240, 180, 41, 0.24);
}
.btn--gold:hover {
  background: var(--gold-400);
  border-color: var(--gold-400);
  color: var(--navy-950);
  transform: translateY(-1px);
}

/* ---------- Forms: helper text ---------- */
.field-hint {
  margin: 0;
  font-size: 0.78rem;
  line-height: 1.45;
  color: var(--muted);
}
.optional {
  color: var(--muted);
  font-weight: 400;
}

/* ---------- Service cards ---------- */
.service-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.service-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.3rem, 2.4vw, 1.8rem);
  box-shadow: var(--shadow-sm);
  height: 100%;
}
.service-card .icon-box { margin-bottom: 14px; }
.service-card h2,
.service-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.4rem;
}
.service-card p {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.6;
}
.service-card ul {
  list-style: none;
  margin: 0 0 1.1rem;
  padding: 0;
}
.service-card li {
  display: flex;
  gap: 8px;
  margin: 0 0 7px;
  font-size: 0.86rem;
  line-height: 1.5;
  color: var(--muted);
}
.service-card li .icon {
  flex: none;
  width: 15px;
  height: 15px;
  margin-top: 3px;
  color: var(--blue-600);
}
.service-card > .text-link { margin-top: auto; align-self: flex-start; }

/* ---------- Workflow ---------- */
.workflow { display: grid; gap: 14px; }
.workflow__step {
  display: grid;
  grid-template-columns: 92px minmax(0, 1fr);
  gap: clamp(1rem, 3vw, 2rem);
  align-items: start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.4rem, 2.6vw, 2rem);
  box-shadow: var(--shadow-sm);
}
.workflow__num {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.6rem);
  font-weight: 600;
  line-height: 1;
  color: var(--gold-500);
  letter-spacing: -0.02em;
}
.workflow__step h2 {
  font-size: clamp(1.25rem, 2vw, 1.5rem);
  margin-bottom: 0.45rem;
}
.workflow__step p {
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.65;
  margin: 0;
  max-width: 56rem;
}

/* ---------- Light checklist on dark panels ---------- */
.check-list--light li { color: #c9d8e5; }
.check-list--light .icon { color: var(--gold-400); }

/* ---------- FAQ page layout ---------- */
.faq-layout {
  display: grid;
  grid-template-columns: 270px minmax(0, 1fr);
  gap: clamp(2rem, 4vw, 3.5rem);
  align-items: start;
}
.faq-nav {
  position: sticky;
  top: 108px;
  display: grid;
  gap: 1.2rem;
}
.faq-nav__title {
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0;
}
.faq-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  border-left: 1px solid var(--line);
}
.faq-nav li { margin: 0; }
.faq-nav li a {
  display: block;
  padding: 7px 0 7px 16px;
  margin-left: -1px;
  border-left: 2px solid transparent;
  color: var(--muted);
  font-size: 0.9rem;
  text-decoration: none;
  transition: color 0.15s ease, border-color 0.15s ease;
}
.faq-nav li a:hover {
  color: var(--navy-900);
  border-left-color: var(--gold-500);
}
.faq-nav__card {
  background: var(--mist);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.3rem;
}
.faq-nav__card h2 { font-size: 1.2rem; margin-bottom: 0.4rem; }
.faq-nav__card p { color: var(--muted); font-size: 0.86rem; line-height: 1.55; margin-bottom: 1rem; }
.faq-nav__card .btn { font-size: 0.86rem; }
.faq-nav__phone {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  margin-top: 10px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--navy-900);
  text-decoration: none;
}
.faq-nav__phone .icon { width: 15px; height: 15px; color: var(--blue-600); }
.faq-nav__phone:hover { color: var(--blue-700); }
.faq-content { min-width: 0; }
.faq-group + .faq-group { margin-top: 2.6rem; }
.faq-group > h2 {
  font-size: 1.5rem;
  margin-bottom: 0.7rem;
  scroll-margin-top: 120px;
}
.faq-group .faq-list { border-top: 1px solid var(--line); }
.faq-disclaimer {
  margin: 2rem 0 0;
  padding-top: 1.2rem;
  border-top: 1px solid var(--line);
  font-size: 0.78rem;
  line-height: 1.6;
  color: var(--muted);
}

/* ---------- Numbered list ---------- */
.number-list {
  list-style: none;
  counter-reset: step;
  margin: 0 0 1rem;
  padding: 0;
}
.number-list li {
  position: relative;
  counter-increment: step;
  padding-left: 34px;
  margin: 0 0 11px;
  font-size: 0.9rem;
  line-height: 1.55;
  color: var(--muted);
}
.number-list li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 1px;
  width: 23px;
  height: 23px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--gold-100);
  color: var(--gold-600);
  font-size: 0.72rem;
  font-weight: 700;
}

/* ---------- Utilities ---------- */
.mt-1 { margin-top: 0.75rem; }
.mt-2 { margin-top: 1.5rem; }
.mt-3 { margin-top: 2.25rem; }
.text-center { text-align: center; }
.muted { color: var(--muted); }

/* ---------- Responsive ---------- */
@media (max-width: 1120px) {
  .primary-nav { display: none; }
  .header-phone { display: none; }
  .menu-btn { display: inline-flex; }
  .masthead { min-height: 78px; }
  .header-actions { margin-left: auto; gap: 12px; }
}

@media (max-width: 1000px) {
  .hero__inner { grid-template-columns: minmax(0, 1fr); }
  .hero__visual { display: none; }
  .hero { padding-bottom: clamp(3.5rem, 7vw, 5rem); }
  .split { grid-template-columns: minmax(0, 1fr); }
  .split__visual { max-width: 620px; }
  .content-grid { grid-template-columns: minmax(0, 1fr); }
  .contact-layout { grid-template-columns: minmax(0, 1fr); }
  .faq-layout { grid-template-columns: minmax(0, 1fr); }
  .faq-nav {
    position: static;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 12px;
  }
  .faq-nav__title { display: none; }
  .faq-nav ul { display: flex; flex-wrap: wrap; gap: 6px; border-left: 0; }
  .faq-nav li a {
    margin: 0;
    padding: 6px 13px;
    border: 1px solid var(--line);
    border-left-width: 1px;
    border-radius: 999px;
  }
  .faq-nav li a:hover { border-color: var(--gold-500); }
  .faq-nav__card { display: none; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: minmax(0, 1.4fr) minmax(0, 0.8fr) minmax(0, 0.8fr); }
  .footer-grid > div:last-child { grid-column: 1 / -1; display: grid; gap: 0 40px; grid-template-columns: 1fr 1fr; align-items: start; }
  .footer-grid > div:last-child .footer-heading { grid-column: 1 / -1; }
}

@media (max-width: 860px) {
  .product-strip__inner { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .strip-link:nth-child(4) { border-left: 0; }
  .strip-link { padding: 18px 14px; }
  .steps { grid-template-columns: minmax(0, 1fr); }
  .benefit-grid { grid-template-columns: minmax(0, 1fr); }
  .related-grid { grid-template-columns: minmax(0, 1fr); }
  .feature-grid { grid-template-columns: minmax(0, 1fr); }
  .service-grid { grid-template-columns: minmax(0, 1fr); }
  .page-hero__watermark { display: none; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 2rem, var(--container)); }
  .container--narrow { width: min(100% - 2rem, 860px); }
  .topbar__note { display: none; }
  .topbar__inner { justify-content: center; }
  .topbar__links { gap: 16px; }
  .topbar__links .topbar__hours { display: none; }
  .masthead { min-height: 70px; gap: 10px; }
  .brand__mark { width: 34px; height: 38px; }
  .brand__text strong { font-size: 1.08rem; }
  .brand__text small { font-size: 0.56rem; letter-spacing: 0.12em; margin-top: 3px; }
  .header-actions .btn { min-height: 42px; padding: 9px 15px; font-size: 0.85rem; }
  .header-actions > .btn { display: none; }
  .mobile-menu .btn { display: inline-flex; width: 100%; }
  .coverage-grid { grid-template-columns: minmax(0, 1fr); }
  .product-strip__inner { grid-template-columns: minmax(0, 1fr); }
  .strip-link { border-left: 0; border-top: 1px solid var(--line); padding: 15px 4px; }
  .strip-link:first-child { border-top: 0; }
  .quote-card { transform: none; }
  .footer-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-grid > div:last-child { grid-column: 1 / -1; grid-template-columns: minmax(0, 1fr); }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .form-grid { grid-template-columns: minmax(0, 1fr); }
  .workflow__step { grid-template-columns: minmax(0, 1fr); gap: 0.3rem; }
  .workflow__num { font-size: 1.9rem; }
  .related-grid { grid-template-columns: minmax(0, 1fr); }
  .page-hero__actions .btn { width: 100%; }
  .cta-band__actions { width: 100%; }
  .cta-band__actions .btn { width: 100%; }
}

@media (max-width: 520px) {
  h1 { font-size: 2.25rem; }
  .hero h1 { font-size: 2.35rem; }
  .topbar__links a.topbar__email { display: none; }
  .header-actions { gap: 8px; }
  .menu-btn { width: 42px; height: 42px; }
  .section { padding: 3.25rem 0; }
  .visual-chip { display: none; }
}

/* ---------- Reduced motion / print ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

@media print {
  .site-header, .topbar, .site-footer, .cta-band { display: none !important; }
  body { color: #000; }
}