/* ============================================================
   ALVERO INSURANCE — Design System v2
   Palette: Navy #0B2447 · Gold #C9A840 · White #FFFFFF
============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;0,800;1,400;1,700&family=Inter:wght@300;400;500;600;700&display=swap');

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0B2447;
  --navy-mid:   #19376D;
  --navy-light: #1E4080;
  --blue:       #1565C0;
  --gold:       #C9A840;
  --gold-light: #E8D27A;
  --gold-dark:  #A67C20;
  --white:      #FFFFFF;
  --off-white:  #F5F4F0;
  --stone:      #EDEBE5;
  --text:       #1A1A2E;
  --text-muted: #5A6477;
  --shadow-sm:  0 2px 12px rgba(11,36,71,0.08);
  --shadow-md:  0 8px 36px rgba(11,36,71,0.13);
  --shadow-lg:  0 24px 64px rgba(11,36,71,0.18);
  --r:          10px;
  --r-lg:       18px;
  --ease:       0.35s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* ── Typography ── */
h1,h2,h3 { font-family: 'Playfair Display', serif; line-height: 1.15; }
h4,h5,h6 { font-family: 'Inter', sans-serif; font-weight: 700; }

h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.5vw, 3rem); font-weight: 700; }
h3 { font-size: clamp(1.25rem, 2vw, 1.7rem); }
h4 { font-size: 1.05rem; }
p  { line-height: 1.78; color: var(--text-muted); }
a  { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ── Layout ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 28px; }
.container--wide { max-width: 1400px; margin: 0 auto; padding: 0 28px; }
section { overflow: hidden; }

/* ── Gold line ── */
.gold-line {
  display: block;
  width: 52px; height: 2px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  border-radius: 1px;
  margin-bottom: 18px;
}
.gold-line--center { margin-left: auto; margin-right: auto; }

/* ── Label ── */
.label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 4px;
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all var(--ease);
  white-space: nowrap;
}
.btn--gold  { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn--gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,168,64,0.3); }
.btn--outline-gold { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn--outline-gold:hover { background: var(--gold); color: var(--navy); transform: translateY(-2px); }
.btn--outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.55); }
.btn--outline-white:hover { background: var(--white); color: var(--navy); transform: translateY(-2px); }
.btn--navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--navy:hover { background: var(--navy-mid); border-color: var(--navy-mid); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn--lg { padding: 17px 38px; font-size: 0.95rem; }
.btn--sm { padding: 10px 20px; font-size: 0.8rem; }

/* ── Badge ── */
.badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 5px 12px; border-radius: 100px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.05em;
}
.badge--gold { background: rgba(201,168,64,0.12); color: var(--gold-dark); border: 1px solid rgba(201,168,64,0.28); }

/* ═══════════════════════════════════════════════════════
   NAVIGATION
═══════════════════════════════════════════════════════ */
.site-nav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: all 0.4s ease;
}
.site-nav.scrolled {
  background: rgba(8,24,52,0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 1px 0 rgba(201,168,64,0.15), 0 4px 24px rgba(0,0,0,0.25);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 28px; max-width: 1180px; margin: 0 auto;
}
.nav-logo { display: flex; flex-direction: column; gap: 1px; }
.nav-logo__wordmark {
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem; font-weight: 800;
  color: var(--white); letter-spacing: 0.06em; line-height: 1;
}
.nav-logo__wordmark span { color: var(--gold); }
.nav-logo__sub {
  font-size: 0.72rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.2em;
  text-transform: uppercase;
}
.nav-links { display: flex; align-items: center; gap: 34px; list-style: none; }
.nav-links a {
  font-size: 0.85rem; font-weight: 500;
  color: rgba(255,255,255,0.75); letter-spacing: 0.02em;
  transition: color var(--ease); position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -3px; left: 0;
  width: 0; height: 1px; background: var(--gold);
  transition: width var(--ease);
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { width: 100%; }

.nav-cta {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 9px 20px; border-radius: 4px;
  font-size: 0.82rem; font-weight: 700;
  color: var(--navy); background: var(--gold);
  transition: all var(--ease); letter-spacing: 0.02em;
  cursor: pointer;
}
.nav-cta:hover { background: var(--gold-dark); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(201,168,64,0.35); }
.nav-cta svg { width: 13px; height: 13px; transition: transform var(--ease); }
.nav-cta:hover svg { transform: translateY(2px); }

.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 4px; background: none; border: none;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--white); border-radius: 1px; transition: all var(--ease); }

/* Mobile menu */
.mobile-menu {
  display: none; position: fixed; inset: 0;
  background: var(--navy); z-index: 999;
  flex-direction: column; justify-content: flex-start;
  align-items: center; gap: 6px;
  overflow-y: auto; -webkit-overflow-scrolling: touch;
  padding: 80px 24px 52px;
}
.mobile-menu.is-open { display: flex; }
.mobile-menu a {
  font-family: 'Playfair Display', serif; font-size: 1.6rem; font-weight: 700;
  color: var(--white); transition: color var(--ease);
  padding: 9px 20px; width: 100%; text-align: center;
  border-radius: 6px; transition: color var(--ease), background var(--ease);
}
.mobile-menu a:hover { color: var(--gold); background: rgba(255,255,255,0.04); }
/* Close button fixed to viewport so it stays visible while scrolling */
.mobile-menu__close {
  position: fixed; top: 20px; right: 24px; z-index: 1001;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14);
  border-radius: 50%; width: 40px; height: 40px;
  cursor: pointer; color: var(--white); font-size: 1.5rem; line-height: 1;
  display: flex; align-items: center; justify-content: center;
  transition: background var(--ease);
}
.mobile-menu__close:hover { background: rgba(255,255,255,0.16); }
@media (max-width: 380px) {
  .mobile-menu a { font-size: 1.35rem; padding: 7px 16px; }
}

/* ── Solid nav for inner pages ── */
.site-nav.nav--solid {
  background: rgba(8,24,52,0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 1px 0 rgba(201,168,64,0.15), 0 4px 24px rgba(0,0,0,0.25);
}

/* ═══════════════════════════════════════════════════════
   PHOTO HERO — full-bleed image
═══════════════════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}

/* Background image layer — parallax driven by JS */
.hero__bg {
  position: absolute;
  inset: -15% 0;          /* extra height so parallax translateY never shows edges */
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
  will-change: transform;
}

/* Gradient overlay */
.hero__overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(
    to top,
    rgba(7,18,42,0.96) 0%,
    rgba(7,18,42,0.78) 35%,
    rgba(7,18,42,0.42) 65%,
    rgba(7,18,42,0.22) 100%
  );
}

/* Additional left overlay for readability */
.hero__overlay--left {
  background: linear-gradient(
    110deg,
    rgba(7,18,42,0.90) 0%,
    rgba(7,18,42,0.72) 45%,
    rgba(7,18,42,0.25) 80%,
    transparent 100%
  );
}

.hero__inner {
  position: relative; z-index: 2;
  width: 100%; max-width: 1180px;
  margin: 0 auto; padding: 0 28px 80px;
}

.hero__eyebrow {
  display: flex; align-items: center; gap: 14px; margin-bottom: 24px;
}
.hero__eyebrow-line { width: 36px; height: 1px; background: var(--gold); }
.hero__eyebrow-text { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); }

.hero__title { color: var(--white); margin-bottom: 22px; max-width: 720px; }
.hero__title em { font-style: italic; color: var(--gold-light); display: block; }

.hero__desc { font-size: 1.05rem; color: rgba(255,255,255,0.68); max-width: 580px; margin-bottom: 40px; line-height: 1.75; }

.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero short variant for inner pages */
.hero--short { min-height: 72vh; align-items: flex-end; }

/* Hero scroll prompt */
.hero__scroll {
  position: absolute; bottom: 28px; right: 32px; z-index: 3;
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  opacity: 0.45; transition: opacity var(--ease);
}
.hero__scroll:hover { opacity: 0.8; }
.hero__scroll-line { width: 1px; height: 40px; background: var(--white); }
.hero__scroll-label { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--white); }

/* ═══════════════════════════════════════════════════════
   STATS STRIP
═══════════════════════════════════════════════════════ */
.stats-strip {
  background: var(--navy);
  padding: 0;
  border-top: 1px solid rgba(201,168,64,0.12);
}
.stats-strip__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat-cell {
  padding: 32px 28px;
  border-right: 1px solid rgba(255,255,255,0.06);
  text-align: center;
}
.stat-cell:last-child { border-right: none; }
.stat-cell__num {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem; font-weight: 800;
  color: var(--gold); line-height: 1; margin-bottom: 5px;
}
.stat-cell__label { font-size: 0.78rem; font-weight: 500; color: rgba(255,255,255,0.5); letter-spacing: 0.04em; }

/* ═══════════════════════════════════════════════════════
   SECTION GENERIC PADDING
═══════════════════════════════════════════════════════ */
.section { padding: 96px 0; }
.section--sm { padding: 64px 0; }
.section--lg { padding: 120px 0; }
.section--navy { background: var(--navy); }
.section--off { background: var(--off-white); }
.section--stone { background: var(--stone); }
.section--dark { background: #060E1C; }

/* ═══════════════════════════════════════════════════════
   SECTION HEADER
═══════════════════════════════════════════════════════ */
.sh { margin-bottom: 56px; }
.sh--center { text-align: center; }
.sh--center .gold-line { margin-left: auto; margin-right: auto; }
.sh h2 { margin-top: 0; }
.sh p { max-width: 560px; font-size: 1rem; margin-top: 14px; }
.sh--center p { margin-left: auto; margin-right: auto; }
.sh--light h2 { color: var(--white); }
.sh--light p { color: rgba(255,255,255,0.62); }
.sh--light .label { color: var(--gold); }

/* ═══════════════════════════════════════════════════════
   BUSINESSES GRID
═══════════════════════════════════════════════════════ */
.biz-cards {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
}

.biz-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid rgba(11,36,71,0.07);
  box-shadow: var(--shadow-sm);
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
  display: flex; flex-direction: column;
}
.biz-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }

.biz-card__top {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 36px 32px 28px;
  position: relative; overflow: hidden;
}
.biz-card__top::after {
  content: attr(data-letter);
  position: absolute; bottom: -20px; right: 20px;
  font-family: 'Playfair Display', serif;
  font-size: 7rem; font-weight: 800;
  color: rgba(255,255,255,0.04); line-height: 1;
  pointer-events: none;
}
.biz-card__icon {
  width: 50px; height: 50px; border-radius: 12px;
  background: rgba(201,168,64,0.12); border: 1px solid rgba(201,168,64,0.25);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.biz-card__icon svg { width: 22px; height: 22px; color: var(--gold); }
.biz-card__name { font-family: 'Playfair Display', serif; font-size: 1.45rem; font-weight: 700; color: var(--white); margin-bottom: 3px; }
.biz-card__tag { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); }

.biz-card__body { padding: 28px 32px; flex: 1; }
.biz-card__desc { font-size: 0.9rem; line-height: 1.72; color: var(--text-muted); margin-bottom: 20px; }
.biz-card__list { list-style: none; }
.biz-card__list li {
  display: flex; align-items: center; gap: 9px;
  font-size: 0.84rem; color: var(--text-muted);
  padding: 6px 0; border-bottom: 1px solid rgba(11,36,71,0.05);
}
.biz-card__list li:last-child { border-bottom: none; }
.biz-card__list li::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }

.biz-card__foot {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 32px;
  border-top: 1px solid rgba(11,36,71,0.06);
  background: rgba(11,36,71,0.02);
}
.biz-card__link {
  font-size: 0.84rem; font-weight: 700; color: var(--navy);
  display: flex; align-items: center; gap: 7px;
  transition: gap var(--ease), color var(--ease);
}
.biz-card__link:hover { color: var(--gold-dark); gap: 13px; }

/* ═══════════════════════════════════════════════════════
   SERVICE CARDS
═══════════════════════════════════════════════════════ */
.svc-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 22px; }

.svc-card {
  background: var(--white);
  border-radius: var(--r);
  padding: 32px 28px;
  border: 1px solid rgba(11,36,71,0.07);
  box-shadow: var(--shadow-sm);
  transition: all 0.4s ease;
  position: relative;
}
.svc-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.4s ease;
}
.svc-card:hover::before { transform: scaleX(1); }
.svc-card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); }

.svc-card--dark { background: rgba(255,255,255,0.06); border: 1px solid rgba(201,168,64,0.14); }
.svc-card--dark:hover { background: rgba(255,255,255,0.10); border-color: rgba(201,168,64,0.28); }

.svc-icon {
  width: 48px; height: 48px; border-radius: 11px;
  background: linear-gradient(135deg, rgba(11,36,71,0.08), rgba(21,101,192,0.09));
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.svc-card--dark .svc-icon { background: rgba(201,168,64,0.1); border: 1px solid rgba(201,168,64,0.2); }
.svc-icon svg { width: 22px; height: 22px; color: var(--blue); }
.svc-card--dark .svc-icon svg { color: var(--gold); }

.svc-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--text); margin-bottom: 10px; font-family: 'Inter', sans-serif; }
.svc-card--dark h3 { color: var(--white); }
.svc-card p { font-size: 0.87rem; line-height: 1.72; }
.svc-card--dark p { color: rgba(255,255,255,0.58); }

.svc-bullets { list-style: none; margin-top: 14px; }
.svc-bullets li { display: flex; gap: 8px; align-items: center; font-size: 0.82rem; padding: 5px 0; color: var(--text-muted); }
.svc-bullets li span.tick { color: var(--gold); font-weight: 700; font-size: 0.85rem; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════
   TEAM CARDS
═══════════════════════════════════════════════════════ */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(300px,1fr)); gap: 28px; }

.team-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid rgba(11,36,71,0.07);
  box-shadow: var(--shadow-sm);
  transition: all 0.4s ease;
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); }

.team-card__head {
  height: 190px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.team-card__head::after {
  content: ''; position: absolute; bottom: -28px; right: -28px;
  width: 110px; height: 110px; border-radius: 50%;
  background: rgba(201,168,64,0.07);
}
.team-card__avatar {
  width: 82px; height: 82px; border-radius: 50%;
  background: rgba(201,168,64,0.14); border: 2px solid rgba(201,168,64,0.35);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1.8rem; font-weight: 700; color: var(--gold);
  position: relative; z-index: 1;
}
.team-card__body { padding: 26px 28px; }
.team-card__name { font-family: 'Playfair Display', serif; font-size: 1.25rem; font-weight: 700; color: var(--text); margin-bottom: 3px; }
.team-card__role { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 14px; }
.team-card__bio { font-size: 0.87rem; line-height: 1.72; margin-bottom: 16px; }
.team-card__creds { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 18px; }
.cred { padding: 3px 10px; background: rgba(11,36,71,0.06); border-radius: 100px; font-size: 0.7rem; font-weight: 600; color: var(--navy-mid); }
.team-card__contacts { display: flex; flex-direction: column; gap: 7px; padding-top: 16px; border-top: 1px solid rgba(11,36,71,0.06); }
.team-card__contacts a { display: flex; align-items: center; gap: 8px; font-size: 0.84rem; color: var(--text-muted); transition: color var(--ease); }
.team-card__contacts a:hover { color: var(--blue); }
.team-card__contacts svg { width: 15px; height: 15px; color: var(--gold-dark); flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════
   TESTIMONIALS
═══════════════════════════════════════════════════════ */
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(300px,1fr)); gap: 22px; }

.testi-card {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(201,168,64,0.16);
  border-radius: var(--r-lg); padding: 32px;
  backdrop-filter: blur(8px); transition: all var(--ease);
}
.testi-card:hover { background: rgba(255,255,255,0.11); border-color: rgba(201,168,64,0.32); transform: translateY(-4px); }

.testi-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testi-stars span { color: var(--gold); font-size: 0.88rem; }
.testi-quote { font-size: 2.2rem; color: var(--gold); opacity: 0.5; font-family: 'Playfair Display', serif; line-height: 1; margin-bottom: 12px; }
.testi-text { font-size: 0.92rem; line-height: 1.78; color: rgba(255,255,255,0.80); font-style: italic; margin-bottom: 22px; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: rgba(201,168,64,0.14); border: 1.5px solid rgba(201,168,64,0.28);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 0.95rem; font-weight: 700; color: var(--gold);
}
.testi-name { font-weight: 700; font-size: 0.87rem; color: var(--white); margin-bottom: 1px; }
.testi-role { font-size: 0.74rem; color: rgba(255,255,255,0.45); }

/* ═══════════════════════════════════════════════════════
   PROCESS STEPS
═══════════════════════════════════════════════════════ */
.steps { display: grid; grid-template-columns: repeat(auto-fit,minmax(200px,1fr)); gap: 0; position: relative; }
.steps::before {
  content: ''; position: absolute;
  top: 30px; left: 8%; right: 8%; height: 1px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark));
  opacity: 0.25;
}
.step { text-align: center; padding: 0 20px; }
.step__n {
  width: 60px; height: 60px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 2px solid var(--gold); margin: 0 auto 20px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--gold);
  position: relative; z-index: 1;
}
.step h4 { font-size: 0.95rem; color: var(--text); margin-bottom: 7px; }
.step p { font-size: 0.84rem; }

/* Steps on dark background */
.step--light h4 { color: var(--white); }
.step--light p { color: rgba(255,255,255,0.58); }

/* ═══════════════════════════════════════════════════════
   SPLIT SECTION (image + content)
═══════════════════════════════════════════════════════ */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 560px;
}
.split--rev { direction: rtl; }
.split--rev > * { direction: ltr; }

.split__img {
  background-size: cover;
  background-position: center;
  position: relative;
  min-height: 420px;
}
.split__img::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,36,71,0.35) 0%, rgba(11,36,71,0.1) 100%);
}

.split__content {
  padding: 72px 60px;
  display: flex; flex-direction: column; justify-content: center;
  background: var(--off-white);
}
.split__content--dark {
  background: var(--navy);
}
.split__content--white { background: var(--white); }

/* ═══════════════════════════════════════════════════════
   FEATURE ITEMS
═══════════════════════════════════════════════════════ */
.feat-list { display: flex; flex-direction: column; gap: 20px; margin-top: 28px; }
.feat { display: flex; gap: 15px; align-items: flex-start; }
.feat__icon {
  width: 40px; height: 40px; border-radius: 9px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center; margin-top: 2px;
}
.feat__icon svg { width: 18px; height: 18px; color: var(--gold); }
.feat__icon--light { background: rgba(201,168,64,0.14); border: 1px solid rgba(201,168,64,0.25); }
.feat h4 { font-size: 0.93rem; color: var(--text); margin-bottom: 3px; }
.feat--light h4 { color: var(--white); }
.feat p { font-size: 0.84rem; }
.feat--light p { color: rgba(255,255,255,0.58); }

/* ═══════════════════════════════════════════════════════
   WHY CARDS
═══════════════════════════════════════════════════════ */
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }

.why-card {
  background: var(--white); border-radius: var(--r); padding: 32px 26px;
  border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-sm);
  transition: all 0.4s ease; position: relative; overflow: hidden;
}
.why-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.why-card__n {
  position: absolute; top: 16px; right: 20px;
  font-family: 'Playfair Display', serif; font-size: 3.5rem; font-weight: 800;
  color: rgba(11,36,71,0.05); line-height: 1;
}
.why-icon { width: 44px; height: 44px; border-radius: 10px; background: linear-gradient(135deg, var(--navy),var(--navy-mid)); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.why-icon svg { width: 20px; height: 20px; color: var(--gold); }
.why-card h4 { font-size: 0.95rem; color: var(--text); margin-bottom: 7px; }
.why-card p { font-size: 0.84rem; line-height: 1.7; }

/* ═══════════════════════════════════════════════════════
   CTA BANNER
═══════════════════════════════════════════════════════ */
.cta-banner {
  padding: 72px 0;
}
.cta-banner--dark { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); }
.cta-banner--off { background: var(--off-white); }
.cta-banner__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 36px; flex-wrap: wrap;
}
.cta-banner h2 { margin-bottom: 8px; }
.cta-banner--dark h2 { color: var(--white); }
.cta-banner--dark p { color: rgba(255,255,255,0.65); }
.cta-banner__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ═══════════════════════════════════════════════════════
   CONTACT SECTION
═══════════════════════════════════════════════════════ */
.contact-wrap { display: grid; grid-template-columns: 1fr 1.2fr; gap: 72px; align-items: start; }

.c-detail { display: flex; gap: 14px; margin-bottom: 26px; }
.c-detail__icon {
  width: 44px; height: 44px; border-radius: 10px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center;
}
.c-detail__icon svg { width: 20px; height: 20px; color: var(--gold); }
.c-detail h4 { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: var(--navy); margin-bottom: 3px; }
.c-detail p, .c-detail a { font-size: 0.92rem; color: var(--text-muted); transition: color var(--ease); }
.c-detail a:hover { color: var(--blue); }

.contact-form {
  background: var(--white); border-radius: var(--r-lg); padding: 44px 40px;
  box-shadow: var(--shadow-md); border: 1px solid rgba(11,36,71,0.06);
}
.contact-form h3 { font-size: 1.3rem; font-family: 'Inter',sans-serif; font-weight: 700; margin-bottom: 26px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.77rem; font-weight: 700; color: var(--text); margin-bottom: 7px; letter-spacing: 0.04em; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 12px 15px;
  border: 1.5px solid rgba(11,36,71,0.13); border-radius: 7px;
  font-family: 'Inter', sans-serif; font-size: 0.88rem;
  color: var(--text); background: var(--off-white);
  transition: all var(--ease); outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold); background: var(--white);
  box-shadow: 0 0 0 3px rgba(201,168,64,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

/* ═══════════════════════════════════════════════════════
   LENDERS BAR
═══════════════════════════════════════════════════════ */
.lenders-bar {
  padding: 32px 0;
  background: var(--white);
  border-bottom: 1px solid rgba(11,36,71,0.06);
}
.lenders-bar__inner { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; justify-content: center; }
.lenders-bar__label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-muted); white-space: nowrap; }
.lenders-bar__chips { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; justify-content: center; }
.chip {
  padding: 6px 16px; border-radius: 100px;
  background: rgba(11,36,71,0.05); border: 1px solid rgba(11,36,71,0.1);
  font-size: 0.76rem; font-weight: 700; color: var(--navy-mid); letter-spacing: 0.04em;
}

/* ═══════════════════════════════════════════════════════
   COMPARISON TABLE
═══════════════════════════════════════════════════════ */
.comp-table { background: var(--white); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-md); border: 1px solid rgba(11,36,71,0.07); }
.comp-head { display: grid; grid-template-columns: 1fr 1fr 1fr; background: var(--navy); padding: 14px 22px; }
.comp-head span { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.comp-head span:nth-child(2), .comp-head span:nth-child(3) { text-align: center; }
.comp-head span:nth-child(3) { color: var(--gold); }
.comp-row { display: grid; grid-template-columns: 1fr 1fr 1fr; padding: 13px 22px; border-bottom: 1px solid rgba(11,36,71,0.05); align-items: center; }
.comp-row:last-child { border-bottom: none; }
.comp-row:nth-child(even) { background: rgba(11,36,71,0.02); }
.comp-row span:first-child { font-size: 0.84rem; font-weight: 500; color: var(--text); }
.comp-row span:nth-child(2), .comp-row span:nth-child(3) { text-align: center; font-size: 1rem; }
.tick { color: var(--gold); font-weight: 800; }
.cross { color: #e53e3e; font-weight: 800; }

/* ═══════════════════════════════════════════════════════
   COVER CARDS (insurance)
═══════════════════════════════════════════════════════ */
.cover-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 22px; }
.cover-card { background: var(--white); border-radius: var(--r); overflow: hidden; display: flex; border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-sm); transition: all 0.4s ease; }
.cover-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.cover-card__bar { width: 5px; background: linear-gradient(180deg, var(--gold-dark), var(--gold-light)); flex-shrink: 0; }
.cover-card__body { padding: 28px 26px; flex: 1; }
.cover-icon { width: 44px; height: 44px; border-radius: 10px; background: linear-gradient(135deg, var(--navy),var(--navy-mid)); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.cover-icon svg { width: 20px; height: 20px; color: var(--gold); }
.cover-card h3 { font-size: 1.02rem; font-weight: 700; color: var(--text); font-family: 'Inter',sans-serif; margin-bottom: 8px; }
.cover-card p { font-size: 0.84rem; line-height: 1.72; margin-bottom: 14px; }
.cover-tags { display: flex; flex-wrap: wrap; gap: 5px; }
.tag { padding: 3px 9px; background: rgba(11,36,71,0.06); border-radius: 100px; font-size: 0.68rem; font-weight: 600; color: var(--navy-mid); }

/* ═══════════════════════════════════════════════════════
   RISK CARDS (insurance)
═══════════════════════════════════════════════════════ */
.risk-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.risk-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(201,168,64,0.13); border-radius: var(--r); padding: 26px 22px; transition: all var(--ease); }
.risk-card:hover { background: rgba(255,255,255,0.10); border-color: rgba(201,168,64,0.3); }
.risk-card__n { font-family: 'Playfair Display',serif; font-size: 2.2rem; font-weight: 800; color: rgba(201,168,64,0.18); line-height: 1; margin-bottom: 10px; }
.risk-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--white); margin-bottom: 7px; }
.risk-card p { font-size: 0.83rem; color: rgba(255,255,255,0.58); line-height: 1.65; }

/* ═══════════════════════════════════════════════════════
   PHOTO PANEL (split with image)
═══════════════════════════════════════════════════════ */
.photo-panel {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--r-lg); overflow: hidden;
  position: relative; padding: 48px 44px;
}
.photo-panel::before {
  content: ''; position: absolute; inset: 0;
  background-size: cover; background-position: center;
  opacity: 0.12;
}
.photo-panel::after {
  content: ''; position: absolute; bottom: -40px; right: -40px;
  width: 200px; height: 200px; border-radius: 50%;
  background: rgba(201,168,64,0.06);
}
.photo-panel > * { position: relative; z-index: 1; }
.photo-panel__title { font-family: 'Playfair Display',serif; font-size: 1.7rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.photo-panel__title span { color: var(--gold); }
.photo-panel__sub { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 28px; }
.photo-panel__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.pstat { background: rgba(255,255,255,0.06); border: 1px solid rgba(201,168,64,0.18); border-radius: var(--r); padding: 18px; text-align: center; }
.pstat__n { font-family: 'Playfair Display',serif; font-size: 1.9rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 3px; }
.pstat__l { font-size: 0.7rem; color: rgba(255,255,255,0.48); }

/* ═══════════════════════════════════════════════════════
   REGIONS
═══════════════════════════════════════════════════════ */
.regions-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.region { background: rgba(255,255,255,0.06); border: 1px solid rgba(201,168,64,0.16); border-radius: var(--r); padding: 20px 22px; display: flex; align-items: center; gap: 12px; transition: all var(--ease); }
.region:hover { background: rgba(255,255,255,0.10); border-color: rgba(201,168,64,0.35); }
.region__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.region__name { font-size: 0.87rem; font-weight: 700; color: var(--white); }
.region__sub { font-size: 0.72rem; color: rgba(255,255,255,0.42); margin-top: 1px; }

/* ═══════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════ */
.site-footer { background: #060D1C; padding: 68px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 52px; }
.footer-brand__logo { font-family: 'Playfair Display',serif; font-size: 1.65rem; font-weight: 800; color: var(--white); letter-spacing: 0.05em; margin-bottom: 14px; }
.footer-brand__logo span { color: var(--gold); }
.footer-brand__sub { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: rgba(255,255,255,0.28); margin-bottom: 16px; }
.footer-brand__desc { font-size: 0.84rem; line-height: 1.76; color: rgba(255,255,255,0.42); max-width: 300px; }
.footer-col h5 { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 9px; }
.footer-col ul li a { font-size: 0.84rem; color: rgba(255,255,255,0.45); transition: color var(--ease); }
.footer-col ul li a:hover { color: var(--white); }
.footer-licenses { font-size: 0.72rem; color: rgba(255,255,255,0.22); line-height: 1.8; padding-top: 20px; margin-top: 20px; border-top: 1px solid rgba(255,255,255,0.04); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.05); padding: 22px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-bottom p { font-size: 0.76rem; color: rgba(255,255,255,0.28); }
.footer-bottom a { font-size: 0.76rem; color: rgba(255,255,255,0.28); transition: color var(--ease); }
.footer-bottom a:hover { color: rgba(255,255,255,0.6); }
.footer-links { display: flex; gap: 22px; }

/* ═══════════════════════════════════════════════════════
   ANIMATIONS & REVEAL
═══════════════════════════════════════════════════════ */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-d1 { transition-delay: 0.1s; }
.reveal-d2 { transition-delay: 0.2s; }
.reveal-d3 { transition-delay: 0.3s; }
.reveal-d4 { transition-delay: 0.4s; }

/* ═══════════════════════════════════════════════════════
   UTILITIES
═══════════════════════════════════════════════════════ */
.tc { text-align: center; }
.tw { color: var(--white) !important; }
.tg { color: var(--gold) !important; }
.mb0 { margin-bottom: 0; }
.mt32 { margin-top: 32px; }
.mt48 { margin-top: 48px; }
.w100 { width: 100%; }

/* ═══════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .biz-cards { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: repeat(2,1fr); }
  .split { grid-template-columns: 1fr; }
  .split__img { min-height: 320px; order: -1; }
  .split__content { padding: 48px 32px; }
  .contact-wrap { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .cover-grid { grid-template-columns: 1fr; }
  .risk-grid { grid-template-columns: repeat(2,1fr); }
  .regions-grid { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .nav-inner { padding: 14px 20px; }
  .hero__inner { padding: 0 20px 60px; }
  .hero__actions { flex-direction: column; align-items: stretch; max-width: 440px; margin-left: auto; margin-right: auto; }
  .hero__actions .btn { width: 100%; justify-content: center; }
  .stats-strip__inner { grid-template-columns: 1fr 1fr; }
  .stat-cell { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.06); }
  .why-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner__inner { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .steps::before { display: none; }
  .contact-form { padding: 28px 20px; }
  .cover-grid { grid-template-columns: 1fr; }
  .risk-grid { grid-template-columns: 1fr; }
  .regions-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  h1 { font-size: 2.1rem; }
  h2 { font-size: 1.7rem; }
  .stats-strip__inner { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .svc-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════
   HERO VARIANTS
═══════════════════════════════════════════════════════ */
/* Centered hero (homepage) */
.hero--center {
  align-items: center;
  justify-content: center;
}
.hero--center .hero__inner {
  text-align: center;
  padding-bottom: 40px;
  padding-top: 100px;
}
.hero--center .hero__title { max-width: 900px; margin: 0 auto 22px; }
.hero--center .hero__desc { margin: 0 auto 40px; }
.hero--center .hero__actions { justify-content: center; }
.hero--center .hero__eyebrow { justify-content: center; }

/* ═══════════════════════════════════════════════════════
   EDITORIAL PILLARS (homepage horizontal strips)
═══════════════════════════════════════════════════════ */
.pillar-row {
  display: grid;
  grid-template-columns: 80px 1fr 2fr;
  gap: 36px;
  align-items: center;
  padding: 40px 0;
  border-bottom: 1px solid rgba(11,36,71,0.07);
}
.pillar-row:last-child { border-bottom: none; }
.pillar-row__num {
  font-family: 'Playfair Display', serif;
  font-size: 3.5rem; font-weight: 800;
  color: rgba(11,36,71,0.08); line-height: 1;
  text-align: right;
}
.pillar-row__head { padding-right: 32px; border-right: 1px solid rgba(201,168,64,0.25); }
.pillar-row__icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center; margin-bottom: 12px;
}
.pillar-row__icon svg { width: 20px; height: 20px; color: var(--gold); }
.pillar-row__title { font-size: 1.1rem; font-weight: 700; color: var(--text); font-family: 'Inter', sans-serif; margin-bottom: 2px; }
.pillar-row__tag { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-dark); }
.pillar-row__body p { font-size: 0.9rem; line-height: 1.78; margin-bottom: 14px; }
.pillar-row__link { font-size: 0.84rem; font-weight: 700; color: var(--navy); display: inline-flex; align-items: center; gap: 7px; transition: gap var(--ease), color var(--ease); }
.pillar-row__link:hover { color: var(--gold-dark); gap: 13px; }

/* ═══════════════════════════════════════════════════════
   QUOTE / MANIFESTO SECTION
═══════════════════════════════════════════════════════ */
.manifesto {
  padding: 100px 0;
  background: var(--navy);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.manifesto::before {
  content: '\201C';
  position: absolute; top: -40px; left: 50%; transform: translateX(-50%);
  font-family: 'Playfair Display', serif;
  font-size: 28rem; font-weight: 800;
  color: rgba(201,168,64,0.03); line-height: 1;
  pointer-events: none;
}
.manifesto__quote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3.2vw, 2.6rem);
  font-weight: 700; font-style: italic;
  color: var(--white); line-height: 1.45;
  max-width: 880px; margin: 0 auto 36px;
}
.manifesto__quote em { color: var(--gold-light); font-style: normal; }
.manifesto__byline { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 48px; }
.manifesto__values {
  display: flex; justify-content: center; gap: 60px; flex-wrap: wrap;
  padding-top: 48px; border-top: 1px solid rgba(201,168,64,0.12);
}
.manifesto__val { text-align: center; }
.manifesto__val-n { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 4px; }
.manifesto__val-l { font-size: 0.75rem; font-weight: 600; color: rgba(255,255,255,0.42); letter-spacing: 0.06em; }

/* ═══════════════════════════════════════════════════════
   NUMBERED SERVICE ROWS (finance page)
═══════════════════════════════════════════════════════ */
.svc-row {
  display: grid;
  grid-template-columns: 60px 1fr auto;
  gap: 40px;
  align-items: start;
  padding: 44px 0;
  border-bottom: 1px solid rgba(11,36,71,0.07);
  transition: background var(--ease);
}
.svc-row:last-child { border-bottom: none; }
.svc-row__num {
  font-family: 'Playfair Display', serif;
  font-size: 1rem; font-weight: 800;
  color: var(--gold); padding-top: 3px;
}
.svc-row__content h3 { font-family: 'Inter', sans-serif; font-size: 1.15rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.svc-row__content p { font-size: 0.9rem; line-height: 1.75; max-width: 600px; }
.svc-row__bullets { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; margin-top: 14px; }
.svc-row__bullets li { padding: 4px 12px; background: rgba(11,36,71,0.05); border-radius: 100px; font-size: 0.74rem; font-weight: 600; color: var(--navy-mid); }
.svc-row__bar { width: 3px; height: 0; background: linear-gradient(180deg, var(--gold-dark), var(--gold-light)); border-radius: 2px; align-self: stretch; transition: height 0.4s ease; flex-shrink: 0; min-height: 60px; }

/* ═══════════════════════════════════════════════════════
   VERTICAL TIMELINE (property page process)
═══════════════════════════════════════════════════════ */
.vtimeline { position: relative; padding-left: 52px; }
.vtimeline::before {
  content: ''; position: absolute;
  left: 18px; top: 12px; bottom: 12px; width: 2px;
  background: linear-gradient(180deg, var(--gold-dark), transparent);
}
.vtimeline-item { position: relative; margin-bottom: 52px; }
.vtimeline-item:last-child { margin-bottom: 0; }
.vtimeline-item__dot {
  position: absolute; left: -44px; top: 4px;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--navy); border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 0.78rem; font-weight: 700; color: var(--gold);
}
.vtimeline-item h4 { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.vtimeline-item p { font-size: 0.88rem; line-height: 1.72; }

/* ═══════════════════════════════════════════════════════
   FEATURE ROW (alternating property services)
═══════════════════════════════════════════════════════ */
.feat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
}
.feat-row--rev { direction: rtl; }
.feat-row--rev > * { direction: ltr; }
.feat-row__img {
  background-size: cover;
  background-position: center;
  position: relative;
  min-height: 340px;
}
.feat-row__img::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,36,71,0.3), rgba(11,36,71,0.05));
}
.feat-row__img-badge {
  position: absolute; bottom: 24px; left: 24px; z-index: 1;
  background: var(--gold); color: var(--navy);
  padding: 8px 16px; border-radius: 4px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
}
.feat-row--rev .feat-row__img-badge { left: auto; right: 24px; }
.feat-row__content {
  padding: 64px 56px;
  display: flex; flex-direction: column; justify-content: center;
  background: var(--white);
}
.feat-row:nth-child(even) .feat-row__content { background: var(--off-white); }
.feat-row__num { font-family: 'Playfair Display', serif; font-size: 4rem; font-weight: 800; color: rgba(11,36,71,0.05); line-height: 1; margin-bottom: 8px; }
.feat-row__content h3 { font-family: 'Inter', sans-serif; font-size: 1.25rem; font-weight: 700; color: var(--text); margin-bottom: 12px; }
.feat-row__content p { font-size: 0.9rem; line-height: 1.78; }
.feat-row__tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 18px; }
.feat-row__tags span { padding: 4px 12px; background: rgba(11,36,71,0.06); border-radius: 100px; font-size: 0.72rem; font-weight: 600; color: var(--navy-mid); }

/* ═══════════════════════════════════════════════════════
   DARK HIGHLIGHT BAND (insurance)
═══════════════════════════════════════════════════════ */
.highlight-band {
  background: #060E1C;
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.highlight-band::before {
  content: ''; position: absolute;
  top: -100px; right: -100px; width: 500px; height: 500px;
  border-radius: 50%; background: radial-gradient(circle, rgba(201,168,64,0.05) 0%, transparent 70%);
}
.highlight-band__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.highlight-band__text h2 { color: var(--white); margin-bottom: 16px; }
.highlight-band__text p { color: rgba(255,255,255,0.60); font-size: 1rem; line-height: 1.78; margin-bottom: 28px; }
.highlight-band__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.hstat {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(201,168,64,0.12);
  border-radius: var(--r); padding: 24px;
}
.hstat__n { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 4px; }
.hstat__l { font-size: 0.75rem; color: rgba(255,255,255,0.40); }

/* ═══════════════════════════════════════════════════════
   COVER GRID 3-COL (insurance)
═══════════════════════════════════════════════════════ */
.cover-grid--3 { grid-template-columns: repeat(3,1fr); }

/* ═══════════════════════════════════════════════════════
   TEAM EDITORIAL (finance)
═══════════════════════════════════════════════════════ */
.team-editorial { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.team-editorial-card {
  background: var(--white); border-radius: var(--r-lg);
  overflow: hidden; border: 1px solid rgba(11,36,71,0.07);
  box-shadow: var(--shadow-sm); transition: all 0.4s ease;
  display: grid; grid-template-columns: 160px 1fr;
}
.team-editorial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.team-editorial-card__photo {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  background-size: cover;
  background-position: center top;
  overflow: hidden;
  display: flex; align-items: flex-end; justify-content: center;
  padding: 0;
  min-height: 200px;
}
/* Fallback content (initials) hidden when photo is set */
.team-editorial-card__photo--has-photo .team-editorial-card__initials,
.team-editorial-card__photo--has-photo .team-editorial-card__div {
  display: none;
}
.team-editorial-card__initials {
  font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 700;
  color: var(--gold); line-height: 1;
}
.team-editorial-card__div { width: 24px; height: 1px; background: rgba(201,168,64,0.35); }
.team-editorial-card__body { padding: 28px 26px; }
.team-editorial-card__name { font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 700; color: var(--text); margin-bottom: 2px; }
.team-editorial-card__role { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 12px; }
.team-editorial-card__bio { font-size: 0.85rem; line-height: 1.72; margin-bottom: 14px; }
.team-editorial-card__creds { display: flex; flex-wrap: wrap; gap: 5px; margin-bottom: 16px; }
.team-editorial-card__contacts { display: flex; flex-direction: column; gap: 6px; padding-top: 14px; border-top: 1px solid rgba(11,36,71,0.06); }
.team-editorial-card__contacts a { display: flex; align-items: center; gap: 7px; font-size: 0.82rem; color: var(--text-muted); transition: color var(--ease); }
.team-editorial-card__contacts a:hover { color: var(--blue); }
.team-editorial-card__contacts svg { width: 14px; height: 14px; color: var(--gold-dark); flex-shrink: 0; }

/* Responsive additions */
@media (max-width: 1024px) {
  .pillar-row { grid-template-columns: 60px 1fr; }
  .pillar-row__body { display: none; }
  .svc-row { grid-template-columns: 60px 1fr; }
  .svc-row__bar { display: none; }
  .feat-row { grid-template-columns: 1fr; }
  .feat-row--rev { direction: ltr; }
  .highlight-band__inner { grid-template-columns: 1fr; gap: 48px; }
  .team-editorial { grid-template-columns: 1fr; }
  .cover-grid--3 { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 768px) {
  .pillar-row { grid-template-columns: 1fr; }
  .pillar-row__num { display: none; }
  .pillar-row__head { border-right: none; padding-right: 0; }
  .pillar-row__body { display: block; }
  .team-editorial-card { grid-template-columns: 1fr; }
  .team-editorial-card__photo { min-height: 120px; flex-direction: row; padding: 20px; }
  .vtimeline { padding-left: 40px; }
  .cover-grid--3 { grid-template-columns: 1fr; }
  .manifesto__values { gap: 32px; }
}

/* ═══════════════════════════════════════════════════════
   MOVED FROM INDEX.HTML — Insurance page components
   (shared by homepage + all industry pages)
═══════════════════════════════════════════════════════ */

/* Hero centered layout */
.hero--ins { align-items: center; min-height: 100vh; }
.hero--ins .hero__inner { text-align: center; padding-top: 120px; padding-bottom: 80px; }
.hero--ins .hero__title { max-width: 820px; margin: 0 auto 22px; }
.hero--ins .hero__desc  { margin: 0 auto 40px; max-width: 600px; }
.hero--ins .hero__actions { justify-content: center; }
.hero--ins .hero__eyebrow { justify-content: center; }

/* Hero logo wordmark */
.hero__logo-wordmark { margin-bottom: 48px; }
.hero__logo-main {
  font-family: 'Playfair Display', serif;
  font-size: 3rem; font-weight: 800;
  color: var(--white); letter-spacing: 0.12em; line-height: 1;
  text-transform: uppercase;
}
.hero__logo-sub {
  font-size: 0.9rem; font-weight: 700;
  letter-spacing: 0.45em; text-transform: uppercase;
  color: var(--gold); margin-top: 10px;
}

/* Scroll arrow */
.hero__scroll-arrow {
  position: absolute; bottom: 36px; left: 50%; transform: translateX(-50%);
  z-index: 3; display: flex; flex-direction: column; align-items: center; gap: 8px;
  cursor: pointer; opacity: 0.5; transition: opacity var(--ease);
  animation: bounce 2.2s ease-in-out infinite;
}
.hero__scroll-arrow:hover { opacity: 0.85; }
.hero__scroll-arrow span { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: #fff; }
.hero__scroll-arrow svg { width: 20px; height: 20px; color: var(--gold); }
@keyframes bounce { 0%,100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(8px); } }

/* Trust bar */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid rgba(11,36,71,0.07);
  padding: 20px 0;
}
.trust-bar__inner { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 9px; font-size: 0.79rem; font-weight: 600; color: var(--text-muted); }
.trust-item svg { width: 17px; height: 17px; color: var(--gold-dark); flex-shrink: 0; }

/* Insurer partners strip */
.partners-strip {
  background: var(--off-white);
  border-top: 1px solid rgba(11,36,71,0.06);
  border-bottom: 1px solid rgba(11,36,71,0.06);
  padding: 36px 0;
}
.partners-strip__inner { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
.partners-strip__label {
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--text-muted); margin-right: 10px; white-space: nowrap;
}
.partner-chip {
  padding: 8px 18px; border-radius: 100px;
  background: var(--white); border: 1.5px solid rgba(11,36,71,0.1);
  font-size: 0.78rem; font-weight: 700; color: var(--navy-mid);
  letter-spacing: 0.04em; transition: all var(--ease); box-shadow: var(--shadow-sm);
}
.partner-chip:hover { border-color: var(--gold); color: var(--navy); transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* Cover grid 3-col */
.cover-grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; justify-items: stretch; }
/* Center a lone last item in the 3-col grid */
.cover-grid-3 > *:last-child:nth-child(3n+1) { grid-column: 2; }
/* Center two remaining items in the last row */
.cover-grid-3 > *:nth-last-child(2):nth-child(3n+2) { grid-column-start: 1; }
.cover-grid-3 > *:last-child:nth-child(3n) { grid-column-start: 2; }

/* Enhanced cover card */
.cover-card-v2 {
  background: var(--white); border-radius: var(--r-lg);
  border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-sm);
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
  overflow: hidden; position: relative;
  display: flex; flex-direction: column;
}
.cover-card-v2:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); }
.cover-card-v2__top {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 26px 26px 20px;
  position: relative; overflow: hidden;
  min-height: 112px;
}
.cover-card-v2__top::after {
  content: attr(data-bg);
  position: absolute; bottom: -16px; right: 16px;
  font-family: 'Playfair Display', serif; font-size: 5.5rem; font-weight: 800;
  color: rgba(255,255,255,0.04); line-height: 1; pointer-events: none;
}
.cover-card-v2__icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(201,168,64,0.14); border: 1px solid rgba(201,168,64,0.28);
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
}
.cover-card-v2__icon svg { width: 22px; height: 22px; color: var(--gold); }
.cover-card-v2__name { font-family: 'Playfair Display', serif; font-size: 1.12rem; font-weight: 700; color: var(--white); line-height: 1.2; }
.cover-card-v2__body { padding: 22px 26px 26px; flex: 1; display: flex; flex-direction: column; }
.cover-card-v2__body p { font-size: 0.85rem; line-height: 1.72; margin-bottom: 16px; flex: 1; }
.cover-tags { display: flex; flex-wrap: wrap; gap: 5px; }

/* Why broker — premium split */
.why-broker-split {
  display: grid; grid-template-columns: 1fr 1fr; min-height: 580px;
}
.why-broker-img {
  position: relative; overflow: hidden;
  background: url('../images/pexels-shiyong-lim-2149270775-30604032.jpg') center/cover no-repeat;
}
.why-broker-img::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,36,71,0.55) 0%, rgba(11,36,71,0.2) 100%);
}
.why-broker-img__badge {
  position: absolute; bottom: 28px; left: 28px; z-index: 2;
  background: var(--gold); color: var(--navy);
  padding: 10px 20px; border-radius: 6px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
}
.why-broker-content {
  padding: 72px 60px;
  background: var(--off-white);
  display: flex; flex-direction: column; justify-content: center;
}
.why-feat { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 24px; }
.why-feat__icon {
  width: 42px; height: 42px; border-radius: 10px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center;
}
.why-feat__icon svg { width: 18px; height: 18px; color: var(--gold); }
.why-feat h4 { font-size: 0.95rem; color: var(--text); margin-bottom: 4px; }
.why-feat p { font-size: 0.84rem; line-height: 1.68; }

/* Comparison table */
.comp-section { padding: 96px 0; background: var(--white); }

/* Testimonials */
.testi-section { padding: 96px 0; background: #060E1C; }
.testi-grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.testi-card-v2 {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(201,168,64,0.14);
  border-radius: var(--r-lg); padding: 36px 30px;
  backdrop-filter: blur(8px); transition: all var(--ease);
  display: flex; flex-direction: column;
}
.testi-card-v2:hover { background: rgba(255,255,255,0.09); border-color: rgba(201,168,64,0.32); transform: translateY(-5px); }
.testi-quote-mark { font-family: 'Playfair Display', serif; font-size: 4rem; color: var(--gold); opacity: 0.3; line-height: 1; margin-bottom: 8px; }
.testi-text { font-size: 0.93rem; line-height: 1.78; color: rgba(255,255,255,0.80); font-style: italic; margin-bottom: 28px; flex: 1; }
.testi-author { display: flex; align-items: center; gap: 13px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.07); }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  background: rgba(201,168,64,0.14); border: 1.5px solid rgba(201,168,64,0.30);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 700; color: var(--gold);
}
.testi-name { font-weight: 700; font-size: 0.88rem; color: var(--white); margin-bottom: 2px; }
.testi-role { font-size: 0.73rem; color: rgba(255,255,255,0.42); }

/* Process steps (horizontal) */
.steps-ins { display: grid; grid-template-columns: repeat(5,1fr); gap: 0; position: relative; }
.steps-ins::before {
  content: ''; position: absolute;
  top: 30px; left: 9%; right: 9%; height: 1px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark));
  opacity: 0.25;
}
.step-ins { text-align: center; padding: 0 16px; }
.step-ins__n {
  width: 60px; height: 60px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 2px solid var(--gold); margin: 0 auto 20px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--gold);
  position: relative; z-index: 1; transition: all var(--ease);
}
.step-ins:hover .step-ins__n { background: var(--gold); color: var(--navy); border-color: var(--gold); transform: scale(1.1); }
.step-ins h4 { font-size: 0.88rem; font-weight: 700; color: var(--white); margin-bottom: 7px; }
.step-ins p { font-size: 0.78rem; color: rgba(255,255,255,0.50); line-height: 1.6; }

/* Risk cards */
.risk-grid-ins { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.risk-card-v2 {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(201,168,64,0.12);
  border-radius: var(--r); padding: 28px 24px; transition: all var(--ease);
  position: relative; overflow: hidden;
}
.risk-card-v2::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease;
}
.risk-card-v2:hover::before { transform: scaleX(1); }
.risk-card-v2:hover { background: rgba(255,255,255,0.08); border-color: rgba(201,168,64,0.28); }
.risk-card-v2__n { font-family: 'Playfair Display',serif; font-size: 2.4rem; font-weight: 800; color: rgba(201,168,64,0.15); line-height: 1; margin-bottom: 10px; }
.risk-card-v2 h4 { font-size: 0.95rem; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.risk-card-v2 p { font-size: 0.83rem; color: rgba(255,255,255,0.55); line-height: 1.68; }

/* FAQ accordion */
.faq-section { padding: 96px 0; background: var(--off-white); }
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  background: var(--white); border-radius: var(--r); border: 1px solid rgba(11,36,71,0.07);
  box-shadow: var(--shadow-sm); margin-bottom: 12px; overflow: hidden;
  transition: box-shadow var(--ease);
}
.faq-item.is-open { box-shadow: var(--shadow-md); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 26px; cursor: pointer; gap: 16px;
  font-weight: 600; font-size: 0.93rem; color: var(--text); transition: color var(--ease);
  width: 100%; background: none; border: none; text-align: left; font-family: inherit;
}
.faq-q:hover { color: var(--navy); }
.faq-item.is-open .faq-q { color: var(--navy); }
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0;
  background: rgba(11,36,71,0.06); display: flex; align-items: center; justify-content: center;
  transition: all var(--ease);
}
.faq-icon svg { width: 14px; height: 14px; color: var(--gold-dark); transition: transform var(--ease); }
.faq-item.is-open .faq-icon { background: var(--navy); }
.faq-item.is-open .faq-icon svg { transform: rotate(45deg); color: var(--gold); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1), padding 0.35s ease;
  padding: 0 26px;
}
.faq-item.is-open .faq-a { max-height: 600px; padding: 0 26px 22px; }
.faq-a p { font-size: 0.88rem; line-height: 1.78; }

/* Highlight band */
.highlight-band-ins { background: #060E1C; padding: 80px 0; position: relative; overflow: hidden; }
.highlight-band-ins::before {
  content: ''; position: absolute; top: -120px; right: -120px; width: 600px; height: 600px;
  border-radius: 50%; background: radial-gradient(circle, rgba(201,168,64,0.05) 0%, transparent 70%);
}
.highlight-band-ins::after {
  content: ''; position: absolute; bottom: -80px; left: -80px; width: 400px; height: 400px;
  border-radius: 50%; background: radial-gradient(circle, rgba(25,55,109,0.4) 0%, transparent 70%);
}
.highlight-band-ins__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; position: relative; z-index: 1; }
.highlight-band-ins__text h2 { color: var(--white); margin-bottom: 16px; }
.highlight-band-ins__text p { color: rgba(255,255,255,0.60); font-size: 1rem; line-height: 1.78; margin-bottom: 28px; }
.hstats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.hstat-v2 { background: rgba(255,255,255,0.04); border: 1px solid rgba(201,168,64,0.13); border-radius: var(--r); padding: 22px; transition: all var(--ease); }
.hstat-v2:hover { background: rgba(255,255,255,0.08); border-color: rgba(201,168,64,0.3); }
.hstat-v2__n { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 4px; }
.hstat-v2__l { font-size: 0.74rem; color: rgba(255,255,255,0.40); line-height: 1.5; }

/* Contact form */
.ins-contact { padding: 96px 0; background: var(--white); }

/* CTA Banner */
.cta-ins {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, #0d2e5c 50%, var(--navy-mid) 100%);
  position: relative; overflow: hidden;
}
.cta-ins::before {
  content: ''; position: absolute; inset: 0;
  background: url('../images/pexels-marcus-ireland-313629-29902130.jpg') center/cover no-repeat;
  opacity: 0.07;
}
.cta-ins__inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 36px; flex-wrap: wrap; }
.cta-ins__inner h2 { color: var(--white); margin-bottom: 8px; }
.cta-ins__inner p { color: rgba(255,255,255,0.65); max-width: 520px; }
.cta-ins__actions { display: flex; gap: 14px; flex-wrap: wrap; flex-shrink: 0; }

/* Footer logo */
.footer-logo-img-wrap {
  display: inline-flex;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 8px;
  padding: 10px 20px;
  margin-bottom: 16px;
}
.footer-logo-img { height: 38px; width: auto; opacity: 0.85; }

/* Responsive — insurance components */
@media (max-width: 1024px) {
  .cover-grid-3 { grid-template-columns: repeat(2,1fr); }
  .why-broker-split { grid-template-columns: 1fr; }
  .why-broker-img { min-height: 320px; order: -1; }
  .why-broker-content { padding: 48px 36px; }
  .testi-grid-3 { grid-template-columns: repeat(2,1fr); }
  .steps-ins { grid-template-columns: repeat(3,1fr); gap: 36px; }
  .steps-ins::before { display: none; }
  .risk-grid-ins { grid-template-columns: repeat(2,1fr); }
  .highlight-band-ins__inner { grid-template-columns: 1fr; gap: 48px; }
  .trust-bar__inner { gap: 24px; }
}
@media (max-width: 768px) {
  .cover-grid-3 { grid-template-columns: 1fr; }
  .testi-grid-3 { grid-template-columns: 1fr; }
  .steps-ins { grid-template-columns: 1fr 1fr; }
  .risk-grid-ins { grid-template-columns: 1fr; }
  .trust-bar__inner { flex-direction: column; gap: 14px; }
  .partners-strip__inner { gap: 8px; }
  .cta-ins__inner { flex-direction: column; }
}
@media (max-width: 580px) {
  .steps-ins { grid-template-columns: 1fr; }
  .hstats-grid { grid-template-columns: 1fr 1fr; }
}

/* ═══════════════════════════════════════════════════════
   STICKY CTA BAR
═══════════════════════════════════════════════════════ */
.sticky-cta-bar {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 998;
  background: var(--navy);
  border-top: 1px solid rgba(201,168,64,0.22);
  box-shadow: 0 -4px 28px rgba(0,0,0,0.28);
  padding: 13px 28px;
  transform: translateY(100%);
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}
.sticky-cta-bar.is-visible { transform: translateY(0); }
.sticky-cta-bar__inner {
  max-width: 1180px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.sticky-cta-bar__text { font-size: 0.87rem; color: rgba(255,255,255,0.68); }
.sticky-cta-bar__text strong { color: var(--white); }
.sticky-cta-bar__actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.sticky-cta-bar__dismiss {
  background: none; border: none; cursor: pointer;
  color: rgba(255,255,255,0.38); font-size: 1.3rem; line-height: 1;
  padding: 4px 6px; transition: color var(--ease); flex-shrink: 0;
}
.sticky-cta-bar__dismiss:hover { color: var(--white); }
@media (max-width: 600px) {
  .sticky-cta-bar__text { display: none; }
  .sticky-cta-bar__inner { justify-content: center; }
  body.sticky-cta-active { padding-bottom: 62px; }
}

/* ═══════════════════════════════════════════════════════
   NAV DROPDOWN (Industries)
═══════════════════════════════════════════════════════ */
.nav-item--has-dropdown { position: relative; list-style: none; }

/* Invisible bridge fills the gap between button and dropdown so
   hover state is maintained while moving the mouse down to the panel */
.nav-item--has-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: -16px; right: -16px;
  height: 22px;
  z-index: 99;
}
.nav-link--dropdown {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.85rem; font-weight: 500;
  color: rgba(255,255,255,0.75); letter-spacing: 0.02em;
  transition: color var(--ease); cursor: pointer;
  background: none; border: none; padding: 0;
}
.nav-link--dropdown:hover { color: var(--white); }
.nav-link--dropdown svg { width: 11px; height: 11px; transition: transform var(--ease); }
.nav-item--has-dropdown:hover .nav-link--dropdown svg,
.nav-item--has-dropdown:focus-within .nav-link--dropdown svg { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute; top: calc(100% + 18px); left: 50%;
  transform: translateX(-50%) translateY(6px);
  background: rgba(7,18,46,0.98); backdrop-filter: blur(20px);
  border: 1px solid rgba(201,168,64,0.16); border-radius: var(--r);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  /* Horizontal mega-menu: all groups side by side, never overflows viewport */
  display: flex; flex-direction: row; align-items: flex-start;
  min-width: 700px; padding: 18px 8px 16px;
  opacity: 0; pointer-events: none;
  transition: opacity 0.22s ease, transform 0.22s ease;
  z-index: 100;
}
.nav-item--has-dropdown:hover .nav-dropdown,
.nav-item--has-dropdown:focus-within .nav-dropdown {
  opacity: 1; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown::before {
  content: ''; position: absolute; top: -6px; left: 50%; transform: translateX(-50%);
  border-left: 6px solid transparent; border-right: 6px solid transparent;
  border-bottom: 6px solid rgba(201,168,64,0.25);
}
.nav-dropdown__group {
  flex: 1;
  margin-bottom: 0;
  padding: 0 14px;
  border-right: 1px solid rgba(255,255,255,0.05);
}
/* Give Professional Services slightly more room (4 links) */
.nav-dropdown__group:nth-child(3) { flex: 1.3; }
.nav-dropdown__group:last-child { border-right: none; }
.nav-dropdown__group-label {
  font-size: 0.6rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 8px;
  padding-bottom: 5px; border-bottom: 1px solid rgba(201,168,64,0.1);
  white-space: nowrap;
}
/* Single column per group in horizontal layout */
.nav-dropdown__links { display: flex; flex-direction: column; gap: 1px; }
.nav-dropdown__link {
  display: block; padding: 6px 9px; border-radius: 5px;
  font-size: 0.79rem; color: rgba(255,255,255,0.64);
  transition: all 0.18s ease; white-space: nowrap;
}
.nav-dropdown__link:hover { background: rgba(201,168,64,0.08); color: var(--white); }

/* ═══════════════════════════════════════════════════════
   POLICY REVIEW SECTION (homepage teaser)
═══════════════════════════════════════════════════════ */
.policy-review-section {
  padding: 96px 0;
  background: var(--off-white);
  border-top: 1px solid rgba(11,36,71,0.06);
}
.policy-review-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center;
}
.policy-review-checklist { list-style: none; margin: 20px 0 0; display: flex; flex-direction: column; gap: 10px; }
.policy-review-checklist li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 0.9rem; color: var(--text-muted); line-height: 1.5;
}
.policy-review-checklist li::before {
  content: ''; width: 18px; height: 18px; border-radius: 50%; flex-shrink: 0; margin-top: 1px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%23C9A840' stroke-width='2.5'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' d='M4.5 12.75l6 6 9-13.5'/%3E%3C/svg%3E");
  background-size: 12px; background-repeat: no-repeat; background-position: center;
}
.policy-review-card {
  background: var(--white); border-radius: var(--r-lg);
  border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-md);
  padding: 36px 32px;
}
.policy-review-card h4 { font-size: 1.05rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.policy-review-card p { font-size: 0.86rem; line-height: 1.72; margin-bottom: 22px; }
.policy-review-steps { list-style: none; counter-reset: step; display: flex; flex-direction: column; gap: 14px; margin-bottom: 24px; }
.policy-review-steps li {
  counter-increment: step; display: flex; align-items: flex-start; gap: 12px;
  font-size: 0.85rem; color: var(--text-muted);
}
.policy-review-steps li::before {
  content: counter(step); display: flex; align-items: center; justify-content: center;
  width: 24px; height: 24px; border-radius: 50%; flex-shrink: 0;
  background: var(--navy); color: var(--gold);
  font-family: 'Playfair Display', serif; font-size: 0.75rem; font-weight: 700;
}

@media (max-width: 900px) {
  .policy-review-inner { grid-template-columns: 1fr; gap: 40px; }
}

/* ═══════════════════════════════════════════════════════
   FILE UPLOAD / DRAG-DROP ZONE
═══════════════════════════════════════════════════════ */
.upload-zone {
  border: 2px dashed rgba(11,36,71,0.18); border-radius: var(--r-lg);
  background: var(--white); padding: 44px 32px; text-align: center;
  cursor: pointer; transition: all var(--ease);
}
.upload-zone:hover, .upload-zone.is-drag-over {
  border-color: var(--gold); background: rgba(201,168,64,0.03);
}
.upload-zone__icon { margin: 0 auto 16px; width: 52px; height: 52px; }
.upload-zone__icon svg { width: 52px; height: 52px; color: var(--gold-dark); opacity: 0.5; }
.upload-zone__title { font-size: 0.97rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.upload-zone__sub { font-size: 0.8rem; color: var(--text-muted); }
.upload-zone input[type="file"] { display: none; }

.upload-file-list { list-style: none; margin-top: 16px; display: flex; flex-direction: column; gap: 8px; }
.upload-file-item {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  background: var(--off-white); border: 1px solid rgba(11,36,71,0.08);
  border-radius: var(--r); padding: 10px 14px;
  font-size: 0.83rem; color: var(--text);
}
.upload-file-item__name { flex: 1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.upload-file-item__size { font-size: 0.75rem; color: var(--text-muted); flex-shrink: 0; }
.upload-file-item__remove {
  background: none; border: none; cursor: pointer; padding: 2px 4px;
  color: var(--text-muted); font-size: 1rem; line-height: 1; transition: color var(--ease);
  flex-shrink: 0;
}
.upload-file-item__remove:hover { color: #e53e3e; }
.upload-error { font-size: 0.8rem; color: #e53e3e; margin-top: 6px; }

/* ═══════════════════════════════════════════════════════
   CONTACT FORM ADDITIONS
═══════════════════════════════════════════════════════ */
.form-radio-group { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 4px; }
.form-radio {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.88rem; color: var(--text-muted); cursor: pointer;
}
.form-radio input[type="radio"] { accent-color: var(--gold-dark); width: 15px; height: 15px; }
.form-radio:hover { color: var(--text); }
.form-group--optional label::after { content: ' (optional)'; font-weight: 400; color: var(--text-muted); font-size: 0.72rem; }
.field-error { font-size: 0.75rem; color: #e53e3e; margin-top: 4px; }
.form-group input.is-error,
.form-group select.is-error,
.form-group textarea.is-error { border-color: #e53e3e; }
.form-success {
  text-align: center; padding: 40px 28px;
  display: none;
}
.form-success.is-visible { display: block; }
.form-success__icon { font-size: 2.5rem; margin-bottom: 12px; color: var(--gold); }
.form-success h4 { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.form-success p { font-size: 0.9rem; }

/* ═══════════════════════════════════════════════════════
   INDUSTRY PAGE — specific layout pieces
═══════════════════════════════════════════════════════ */
.ind-hero { min-height: 68vh; align-items: flex-start; }
.ind-hero .hero__inner { padding-top: 100px; padding-bottom: 80px; }

.why-broker-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.why-broker-card {
  background: var(--white); border-radius: var(--r-lg); padding: 32px 26px;
  border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-sm);
  transition: all var(--ease); position: relative; overflow: hidden;
}
.why-broker-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease;
}
.why-broker-card:hover::before { transform: scaleX(1); }
.why-broker-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.why-broker-card__n {
  font-family: 'Playfair Display', serif; font-size: 3rem; font-weight: 800;
  color: rgba(201,168,64,0.35); line-height: 1; margin-bottom: 12px;
}
.why-broker-card h4 { font-size: 0.97rem; color: var(--text); margin-bottom: 8px; }
.why-broker-card p { font-size: 0.85rem; line-height: 1.72; }

/* Single testimonial (centred) */
.testi-single { max-width: 760px; margin: 0 auto; }

/* ═══════════════════════════════════════════════════════
   RELATED INDUSTRIES
═══════════════════════════════════════════════════════ */
.related-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.related-card {
  background: var(--white); border-radius: var(--r-lg);
  border: 1px solid rgba(11,36,71,0.07); box-shadow: var(--shadow-sm);
  padding: 28px 24px; transition: all var(--ease);
  display: flex; flex-direction: column; text-decoration: none;
}
.related-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: rgba(201,168,64,0.3); }
.related-card__label {
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold-dark); margin-bottom: 8px;
}
.related-card__title { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 8px; font-family: 'Inter', sans-serif; }
.related-card__arrow {
  margin-top: auto; padding-top: 16px;
  font-size: 0.82rem; font-weight: 700; color: var(--navy);
  display: flex; align-items: center; gap: 6px; transition: gap var(--ease);
}
.related-card:hover .related-card__arrow { gap: 12px; color: var(--gold-dark); }

@media (max-width: 768px) {
  .related-grid { grid-template-columns: 1fr; }
  .why-broker-3 { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════
   CAL.COM BOOKING SECTION (industry pages)
═══════════════════════════════════════════════════════ */
.booking-section { padding: 80px 0; background: var(--navy); }
.booking-section__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.booking-section__left h2 { color: var(--white); margin-bottom: 14px; }
.booking-section__left p { color: rgba(255,255,255,0.62); margin-bottom: 28px; }
.calcom-embed-wrap {
  background: var(--white); border-radius: var(--r-lg); overflow: hidden;
  box-shadow: var(--shadow-lg); min-height: 200px;
  display: flex; align-items: center; justify-content: center;
}
.calcom-placeholder {
  padding: 40px 32px; text-align: center;
}
.calcom-placeholder p { font-size: 0.86rem; color: var(--text-muted); margin-bottom: 16px; }

@media (max-width: 900px) {
  .booking-section__inner { grid-template-columns: 1fr; gap: 36px; }
}

/* ═══════════════════════════════════════════════════════
   FOOTER — 5-column update
═══════════════════════════════════════════════════════ */
.footer-grid--5 { grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; }
@media (max-width: 1100px) {
  .footer-grid--5 { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 768px) {
  .footer-grid--5 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid--5 { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════
   QUOTE SECTION (embedded form)
═══════════════════════════════════════════════════════ */
.quote-section {
  padding: 96px 0;
  background: #060E1C;
  position: relative;
  overflow: hidden;
}
.quote-section__bg-accent {
  position: absolute;
  top: -160px; right: -160px; width: 700px; height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,64,0.055) 0%, transparent 68%);
  pointer-events: none;
}
.quote-section::after {
  content: '';
  position: absolute;
  bottom: -120px; left: -120px; width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(25,55,109,0.45) 0%, transparent 70%);
  pointer-events: none;
}

.quote-section__header {
  text-align: center;
  margin-bottom: 56px;
}
.quote-section__header h2 { margin-bottom: 0; }

/* Two-column layout */
.quote-grid {
  display: grid;
  grid-template-columns: 1fr 1.55fr;
  gap: 72px;
  align-items: start;
}

/* Steps */
.quote-steps {
  display: flex;
  flex-direction: column;
  margin-bottom: 44px;
}
.quote-step {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding-bottom: 28px;
  margin-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.quote-step:last-child { border-bottom: none; padding-bottom: 0; margin-bottom: 0; }
.quote-step__n {
  width: 40px; height: 40px; flex-shrink: 0;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 700; color: var(--gold);
}
.quote-step__body h4 { font-size: 0.93rem; color: var(--white); margin-bottom: 5px; }
.quote-step__body p { font-size: 0.83rem; color: rgba(255,255,255,0.52); line-height: 1.68; }

/* Contact strip */
.quote-contact-strip {
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding-top: 28px;
  border-top: 1px solid rgba(201,168,64,0.15);
}
.quote-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 13px;
}
.quote-contact-item svg {
  width: 17px; height: 17px; flex-shrink: 0; color: var(--gold); margin-top: 2px;
}
.quote-contact-item__label {
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 2px;
}
.quote-contact-item a,
.quote-contact-item span {
  font-size: 0.88rem; color: rgba(255,255,255,0.72); transition: color var(--ease);
}
.quote-contact-item a:hover { color: var(--gold); }

/* Embed card */
.quote-embed-wrap { position: relative; }
.quote-embed-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,0.35), 0 0 0 1px rgba(201,168,64,0.18);
}

/* Responsive */
@media (max-width: 960px) {
  .quote-grid { grid-template-columns: 1fr; gap: 48px; }
  .quote-section__header { margin-bottom: 48px; }
}
@media (max-width: 768px) {
  .quote-section { padding: 72px 0; }
  .quote-embed-card iframe { height: 680px !important; }
}
@media (max-width: 480px) {
  .quote-section { padding: 52px 0; }
  .quote-section__header { margin-bottom: 36px; }
  .quote-step__n { width: 34px; height: 34px; font-size: 0.88rem; }
  .quote-embed-card iframe { height: 640px !important; }
}

/* ═══════════════════════════════════════════════════════
   MOBILE REFINEMENTS & INTERFACE POLISH
═══════════════════════════════════════════════════════ */

/* Sticky CTA bar — button must never stretch full width */
@media (max-width: 768px) {
  .sticky-cta-bar .btn { width: auto; }
  .sticky-cta-bar { padding: 12px 20px; }
}

/* Hero — tighter top padding on mobile (nav is smaller) */
@media (max-width: 768px) {
  .hero--ins .hero__inner { padding-top: 88px; padding-bottom: 56px; }
  .hero__desc { font-size: 0.96rem; }
}
@media (max-width: 480px) {
  .hero--ins .hero__inner { padding-top: 80px; padding-bottom: 44px; }
}

/* Sections — reduce vertical padding on mobile */
@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .comp-section { padding: 72px 0; }
  .faq-section { padding: 72px 0; }
  .ins-contact { padding: 72px 0; }
  .cta-ins { padding: 60px 0; }
  .highlight-band-ins { padding: 64px 0; }
  .policy-review-section { padding: 72px 0; }
}
@media (max-width: 480px) {
  .section { padding: 52px 0; }
  .comp-section { padding: 52px 0; }
  .faq-section { padding: 52px 0; }
  .ins-contact { padding: 52px 0; }
  .cta-ins { padding: 44px 0; }
  .highlight-band-ins { padding: 48px 0; }
  .policy-review-section { padding: 52px 0; }
}

/* Trust bar — 2-column grid on very small screens */
@media (max-width: 480px) {
  .trust-bar { padding: 14px 0; }
  .trust-bar__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px 18px;
    justify-items: start;
    flex-direction: unset;
  }
  .trust-item { font-size: 0.73rem; }
}

/* Stats strip cells — compact on small screens */
@media (max-width: 480px) {
  .stat-cell { padding: 22px 14px; }
  .stat-cell__num { font-size: 2rem; }
}

/* Cover cards — tighter padding on mobile */
@media (max-width: 480px) {
  .cover-card-v2__top { padding: 20px 18px 16px; }
  .cover-card-v2__body { padding: 18px 18px 20px; }
}

/* Cover grid — last-item centering rules off at 1-col */
@media (max-width: 768px) {
  .cover-grid-3 > *:last-child:nth-child(3n+1) { grid-column: auto; }
  .cover-grid-3 > *:nth-last-child(2):nth-child(3n+2) { grid-column-start: auto; }
  .cover-grid-3 > *:last-child:nth-child(3n) { grid-column-start: auto; }
}

/* Why broker content — less padding on small mobile */
@media (max-width: 480px) {
  .why-broker-content { padding: 36px 22px; }
}

/* Why feat items — tighter on mobile */
@media (max-width: 480px) {
  .why-feat { gap: 12px; margin-bottom: 20px; }
}

/* Comparison table — smaller text/padding on small screens */
@media (max-width: 580px) {
  .comp-head { padding: 12px 14px; }
  .comp-row { padding: 11px 14px; }
  .comp-head span { font-size: 0.68rem; }
  .comp-row span:first-child { font-size: 0.78rem; }
}
@media (max-width: 420px) {
  .comp-head { padding: 10px 10px; }
  .comp-row { padding: 10px 10px; }
  .comp-head span { font-size: 0.62rem; }
  .comp-row span:first-child { font-size: 0.72rem; }
  .comp-row span:nth-child(2),
  .comp-row span:nth-child(3) { font-size: 0.9rem; }
}

/* Section headers — smaller margin on mobile */
@media (max-width: 480px) {
  .sh { margin-bottom: 36px; }
  .sh p { font-size: 0.92rem; }
}

/* Process steps — clean layout */
@media (max-width: 480px) {
  .steps-ins { gap: 28px; }
  .step-ins__n { width: 50px; height: 50px; font-size: 1.1rem; }
}

/* Risk cards — compact on mobile */
@media (max-width: 480px) {
  .risk-card-v2 { padding: 22px 18px; }
  .risk-grid-ins { gap: 12px; }
  .risk-card-v2__n { font-size: 2rem; }
}

/* Highlight band — centre-align text on mobile */
@media (max-width: 768px) {
  .highlight-band-ins__inner > .reveal { text-align: center; }
  .highlight-band-ins .gold-line { margin-left: auto; margin-right: auto; }
  .highlight-band-ins .btn { display: inline-flex; width: auto; }
}

/* Highlight stats grid — maintain 2 col on narrow mobile */
@media (max-width: 480px) {
  .hstats-grid { gap: 12px; }
  .hstat-v2 { padding: 18px 16px; }
  .hstat-v2__n { font-size: 1.8rem; }
}

/* FAQ — touch-friendly larger tap areas */
@media (max-width: 480px) {
  .faq-q { padding: 18px 18px; font-size: 0.88rem; }
  .faq-item.is-open .faq-a { padding: 0 18px 18px; }
  .faq-a p { font-size: 0.86rem; }
}

/* CTA ins — centred layout on mobile */
@media (max-width: 768px) {
  .cta-ins__inner { text-align: center; }
  .cta-ins__actions {
    justify-content: center;
    flex-direction: column;
    align-items: center;
    width: 100%;
  }
  .cta-ins__actions .btn { width: 100%; max-width: 380px; }
}

/* Policy review — compact card on mobile */
@media (max-width: 480px) {
  .policy-review-card { padding: 26px 20px; }
}

/* Contact form — slightly tighter on very small screens */
@media (max-width: 380px) {
  .contact-form { padding: 22px 16px; }
}

/* Container — slightly tighter edge padding on very small phones */
@media (max-width: 360px) {
  .container, .container--wide { padding: 0 16px; }
}

/* Footer — tighter on small mobile */
@media (max-width: 480px) {
  .site-footer { padding-top: 48px; }
  .footer-grid--5 { gap: 28px; }
  .footer-links { flex-wrap: wrap; gap: 14px; justify-content: center; }
  .footer-bottom { gap: 12px; }
  .footer-brand__desc { font-size: 0.82rem; }
}

/* Ensure btn in standalone .reveal blocks stays auto-width on mobile
   (e.g. the "Book a Free Risk Review" in why-broker section)
   so it doesn't stretch grotesquely */
@media (max-width: 768px) {
  .why-broker-content .btn.mt32 { display: inline-flex; width: auto; }
}

/* Policy review text-content buttons stay auto-width */
@media (max-width: 768px) {
  .policy-review-inner > .reveal .btn { display: inline-flex; width: auto; }
}

/* Smooth scroll offset — a bit more room for the nav on mobile */
@media (max-width: 768px) {
  html { scroll-padding-top: 76px; }
}

/* ═══════════════════════════════════════════════════════
   INDUSTRY CTA SECTION
═══════════════════════════════════════════════════════ */
.ind-cta-section {
  padding: 80px 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.ind-cta-section::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px; width: 480px; height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,64,0.07) 0%, transparent 65%);
  pointer-events: none;
}
.ind-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  flex-wrap: wrap;
}
.ind-cta-content h2 { color: var(--white); margin-bottom: 14px; }
.ind-cta-content p { color: rgba(255,255,255,0.60); max-width: 480px; font-size: 1rem; }
.ind-cta-actions {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 14px;
  flex-shrink: 0;
}
.ind-cta-phone { font-size: 0.84rem; color: rgba(255,255,255,0.42); margin: 0; }
.ind-cta-phone a { color: var(--gold); font-weight: 600; transition: opacity var(--ease); }
.ind-cta-phone a:hover { opacity: 0.8; }
@media (max-width: 768px) {
  .ind-cta-section { padding: 60px 0; }
  .ind-cta-inner { flex-direction: column; gap: 32px; }
  .ind-cta-actions { align-items: flex-start; width: 100%; }
  .ind-cta-actions .btn { width: 100%; justify-content: center; }
}

/* ═══════════════════════════════════════════════════════
   v3 IMPROVEMENTS — Premium UX Polish
   All rules here override earlier declarations.
═══════════════════════════════════════════════════════ */

/* Mobile menu — calmer Inter font, grouped layout */
.mobile-menu {
  gap: 0;
  padding: 72px 0 56px;
}
.mobile-menu a {
  font-family: 'Inter', sans-serif;
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 11px 36px;
  border-radius: 0;
  width: 100%;
  text-align: left;
}
.mobile-menu__group-label {
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(201,168,64,0.52);
  padding: 18px 36px 5px;
  display: block;
  width: 100%;
}
.mobile-menu__divider {
  display: block;
  width: 40px; height: 1px;
  background: rgba(201,168,64,0.2);
  margin: 8px auto;
  flex-shrink: 0;
}
.mobile-menu__cta-btn {
  display: block !important;
  margin: 20px 28px 0;
  padding: 14px 28px !important;
  background: var(--gold) !important;
  color: var(--navy) !important;
  border-radius: 6px;
  text-align: center !important;
  font-family: 'Inter', sans-serif !important;
  font-size: 0.92rem !important;
  font-weight: 700 !important;
  letter-spacing: 0.03em;
  width: calc(100% - 56px) !important;
  transition: background var(--ease) !important;
}
.mobile-menu__cta-btn:hover {
  background: var(--gold-dark) !important;
  color: var(--navy) !important;
}
@media (max-width: 380px) {
  .mobile-menu a { font-size: 0.96rem; padding: 10px 28px; }
  .mobile-menu__group-label { padding: 16px 28px 4px; }
  .mobile-menu__cta-btn { margin: 16px 20px 0; width: calc(100% - 40px) !important; }
}

/* Homepage hero — left-aligned, bottom-anchored */
.hero--home { align-items: flex-end; min-height: 100vh; }
.hero--home .hero__inner {
  text-align: left;
  padding-top: 100px;
  padding-bottom: 108px;
}
.hero--home .hero__title { max-width: 800px; }
.hero--home .hero__desc { margin: 0 0 40px; max-width: 580px; }
.hero--home .hero__actions { justify-content: flex-start; }
.hero--home .hero__eyebrow { justify-content: flex-start; }
@media (max-width: 768px) {
  .hero--home .hero__inner { text-align: center; padding-top: 90px; padding-bottom: 72px; }
  .hero--home .hero__desc { margin: 0 auto 40px; }
  .hero--home .hero__actions { justify-content: center; }
  .hero--home .hero__eyebrow { justify-content: center; }
}

/* Cover card name — Inter for modern, scannable feel */
.cover-card-v2__name {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.25;
  letter-spacing: -0.01em;
}

/* Trust bar — more prominent items */
.trust-bar { padding: 22px 0; }
.trust-item { gap: 10px; font-size: 0.81rem; font-weight: 600; color: var(--text); }
.trust-item svg { width: 18px; height: 18px; color: var(--gold-dark); }

/* Partners/insurer strip — clean chip row */
.partners-strip {
  background: var(--off-white);
  border-bottom: 1px solid rgba(11,36,71,0.07);
  padding: 26px 0;
}
.partners-strip__inner { gap: 10px; }
.partner-chip {
  padding: 6px 16px; border-radius: 100px;
  background: var(--white); border: 1.5px solid rgba(11,36,71,0.1);
  font-size: 0.76rem; font-weight: 700; color: var(--navy-mid);
  letter-spacing: 0.04em;
  box-shadow: 0 1px 4px rgba(11,36,71,0.05);
  white-space: nowrap;
}

/* Section — lighter section heading for variety */
.sh--left { text-align: left; }
.sh--left .gold-line { margin-left: 0; }
.sh--left p { margin-left: 0; }

/* Footer license — slightly more readable */
.footer-licenses {
  font-size: 0.73rem;
  color: rgba(255,255,255,0.26);
  line-height: 1.92;
  padding-top: 18px;
  margin-top: 18px;
  border-top: 1px solid rgba(255,255,255,0.05);
  max-width: 340px;
}

/* Footer col links — slightly brighter */
.footer-col ul li a { color: rgba(255,255,255,0.48); }
.footer-col ul li a:hover { color: rgba(255,255,255,0.88); }

/* Sticky CTA — gold accent border on top */
.sticky-cta-bar {
  border-top: 2px solid var(--gold-dark);
}

/* Why broker — better text contrast */
.why-broker-card__n { color: rgba(201,168,64,0.28); }
.why-broker-card h4 { font-size: 1rem; }

/* Process steps — better connector line */
.steps-ins::before {
  opacity: 0.18;
  top: 29px;
}

/* Comparison table — stronger column 3 highlight */
.comp-head span:nth-child(3) { color: var(--gold-light); font-size: 0.76rem; }

/* Hero — stronger overlay for left-aligned legibility */
.hero--home .hero__overlay {
  background: linear-gradient(
    105deg,
    rgba(5,12,28,0.97) 0%,
    rgba(5,12,28,0.82) 45%,
    rgba(5,12,28,0.40) 75%,
    rgba(5,12,28,0.18) 100%
  );
}

/* CTA ins section — constrain actions column on desktop */
@media (min-width: 1024px) {
  .cta-ins__actions { align-items: flex-end; }
}

/* Risk grid on white background (homepage) */
.risk-grid-ins--light .risk-card-v2 {
  background: rgba(11,36,71,0.03);
  border-color: rgba(11,36,71,0.09);
}
.risk-grid-ins--light .risk-card-v2:hover { background: rgba(11,36,71,0.06); border-color: rgba(11,36,71,0.18); }
.risk-grid-ins--light .risk-card-v2 h4 { color: var(--text); }
.risk-grid-ins--light .risk-card-v2 p { color: var(--text-muted); }
.risk-grid-ins--light .risk-card-v2__n { color: rgba(201,168,64,0.25); }
.risk-grid-ins--light .risk-card-v2::before { background: linear-gradient(90deg, var(--navy), var(--navy-mid)); }

/* Stats strip — subtle bottom border */
.stats-strip { border-bottom: 1px solid rgba(255,255,255,0.04); }

/* Section off-white → use stone for subtle variety */
.section--stone-alt { background: #F0EEE8; }

/* WHY BROKER SECTION headline */
.why-broker-content h2 { line-height: 1.2; }

/* CTA language consistency — make primary BTN gold always */
.nav-cta { font-size: 0.83rem; }

/* Policy review card — slightly larger heading */
.policy-review-card h4 { font-size: 1.08rem; margin-bottom: 12px; }

/* Improve hero subtitle on large screens */
@media (min-width: 1280px) {
  .hero--home .hero__inner { padding-bottom: 120px; }
  .hero--home .hero__title { font-size: 4rem; }
}