/* =========================================================
   REXA INSURANCE BROKING — v2 Redesign
   Brand: Navy × Red × Teal  |  "Beyond Insurance. Building Resilience."
   ========================================================= */

/* ---- Tokens ---- */
:root {
  /* Rexa brand */
  --navy:       #0B1128;
  --navy-2:     #141B40;
  --navy-dark:  #070B1F;
  --red:        #CF1C22;
  --red-hov:    #B01820;
  --teal:       #0F5F72;
  --teal-2:     #137282;
  --green:      #0EA472;

  /* Neutrals */
  --ink:        #0B1128;
  --ink-soft:   #4A4E6A;
  --paper:      #FFFFFF;
  --paper-2:    #F5F6FA;
  --paper-3:    #ECEEF6;
  --line:       #DFE1EE;
  /* cool navy-biased ground that brand tints are mixed over (keeps cards on-palette, not candy) */
  --card-tint:  #F0F2F8;

  /* Legacy aliases — wizard / form / sub-page styles rely on these */
  --brand:      #0B1128;
  --brand-2:    #1E276B;
  --brand-ink:  #070B1F;
  --coral:      #CF1C22;
  --gold:       #F0A830;
  --serif:      "Inter", system-ui, sans-serif;

  --maxw: 1180px;
  --r:    12px;
  --r-lg: 20px;
  --shadow:      0 2px 4px rgba(11,17,40,.05), 0 20px 48px -16px rgba(11,17,40,.16);
  --shadow-sm:   0 6px 20px -8px rgba(11,17,40,.22);
  --shadow-dark: 0 32px 80px -16px rgba(0,0,0,.5);

  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

/* ---- Reset + Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0 }
html {
  scroll-behavior: smooth;
  width: 100%;
  /* clip (not hidden) prevents horizontal overflow WITHOUT turning html into a
     scroll container — hidden would force overflow-y to auto and add a 2nd scrollbar */
  overflow-x: clip;
}
body {
  font-family: var(--sans);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  width: 100%;
  overflow-x: clip;
  max-width: 100%;
  position: relative;
}
img { max-width: 100%; display: block; height: auto }
a { color: inherit; text-decoration: none }
.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
  width: 100%;
  box-sizing: border-box;
  overflow-x: clip;
}

/* ---- Typography ---- */
h1, h2, h3 { font-weight: 800; line-height: 1.1; letter-spacing: -.025em }
.display {
  font-size: clamp(2.8rem, 5.5vw, 4.8rem);
  font-weight: 900; letter-spacing: -.04em; line-height: 1.0;
}
.eyebrow {
  font-size: .7rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--red); display: inline-flex; align-items: center; gap: .55rem;
}
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--red) }
.lead { font-size: 1.1rem; color: var(--ink-soft); max-width: 50ch; line-height: 1.7 }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-weight: 600; font-size: .94rem;
  padding: .85rem 1.5rem; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .15s ease, background .2s, box-shadow .2s;
}
.btn-primary { background: var(--red); color: #fff; box-shadow: 0 4px 16px rgba(207,28,34,.35) }
.btn-primary:hover { background: var(--red-hov); transform: translateY(-1px) }
.btn-ghost { background: transparent; border-color: var(--line); color: var(--ink) }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy) }
.btn-navy { background: var(--navy); color: #fff }
.btn-navy:hover { background: var(--navy-2); transform: translateY(-1px) }
.btn-white { background: #fff; color: var(--navy); font-weight: 700 }
.btn-white:hover { background: var(--paper-2); transform: translateY(-1px) }
.btn-outline-white { background: transparent; border-color: rgba(255,255,255,.4); color: #fff }
.btn-outline-white:hover { border-color: #fff; background: rgba(255,255,255,.08) }
.btn-coral { background: var(--red); color: #fff }
.btn-coral:hover { background: var(--red-hov); transform: translateY(-1px) }
.btn-lg { padding: 1rem 1.9rem; font-size: 1rem }
.btn[disabled] { opacity: .45; cursor: not-allowed; transform: none }
.btn .arr { transition: transform .2s }
.btn:hover .arr { transform: translateX(3px) }

/* ---- Nav ---- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.93);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 70px }
.brand { display: inline-flex; align-items: center }
.brand-logo { height: 38px; width: auto; display: block }
.nav-links { display: flex; align-items: center; gap: 1.6rem; font-size: .93rem; font-weight: 500 }
.nav-links a { color: var(--ink-soft); transition: color .15s }
.nav-links a:hover, .nav-links a.active { color: var(--navy) }
.nav-cta { display: flex; align-items: center; gap: .75rem }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line);
  border-radius: 9px; padding: .5rem .65rem; font-size: 1rem; cursor: pointer;
}

/* ---- Promo announcement bar ---- */
.promo-bar {
  background: linear-gradient(135deg, #1a2847 0%, #2d5a6f 50%, #c41e3a 100%);
  color: #fff; position: relative; z-index: 60;
  border-bottom: 3px solid var(--red);
  box-shadow: 0 4px 12px rgba(0,0,0,.25);
  opacity: 1; transition: opacity .6s ease-in-out;
}
.promo-bar[style*="display: none"] { opacity: 0; pointer-events: none }
.promo-bar.is-hidden { display: none; opacity: 0 }
.promo-bar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 1.5rem;
  min-height: 52px; padding: .6rem 28px; flex-wrap: wrap;
}

@media (max-width: 640px) {
  .promo-bar-inner {
    gap: .4rem; padding: .35rem 12px; min-height: auto; flex-direction: row;
    justify-content: space-between;
  }
  .promo-text {
    font-size: .65rem; gap: .2rem; flex: 1; text-align: left;
    white-space: normal; overflow: hidden; text-overflow: ellipsis;
    display: block; max-width: 60vw;
  }
  .promo-text strong {
    display: inline;
  }
  .promo-emoji { font-size: .8rem; float: left; margin-right: .2rem }
  .promo-actions {
    flex: none; gap: .2rem;
  }
  .promo-cta {
    font-size: .6rem; padding: .25rem .5rem; white-space: nowrap;
  }
  .promo-close {
    width: 20px; height: 20px; font-size: .9rem;
  }
}
.promo-text {
  display: flex; align-items: center; gap: .6rem;
  font-size: .92rem; color: #fff; text-align: left;
  flex-wrap: wrap; flex: 1;
  line-height: 1.4;
}
.promo-text strong {
  color: #fff; font-weight: 800; font-size: 1rem;
  display: block; width: 100%;
}
.promo-emoji {
  font-size: 1.4rem; flex: none;
  filter: drop-shadow(0 2px 4px rgba(0,0,0,.2));
}
.promo-actions {
  display: flex; align-items: center; gap: .5rem;
  flex-wrap: nowrap;
}
.promo-cta {
  display: inline-flex; align-items: center; gap: .4rem; cursor: pointer;
  background: #fff; color: var(--red); border: none; border-radius: 999px;
  font-family: inherit; font-size: .85rem; font-weight: 800; padding: .45rem 1.2rem;
  transition: all .3s cubic-bezier(.34,.1,.64,.9);
  box-shadow: 0 4px 12px rgba(0,0,0,.15);
  letter-spacing: .3px;
}
.promo-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,.25);
  background: var(--red);
  color: #fff;
}
.promo-cta .arr { transition: transform .3s }
.promo-cta:hover .arr { transform: translateX(4px) }
.promo-close {
  background: rgba(255,255,255,.12); border: none; color: #fff; cursor: pointer;
  font-size: 1.4rem; line-height: 1; width: 32px; height: 32px; border-radius: 50%;
  display: grid; place-items: center; transition: all .2s;
}
.promo-close:hover {
  background: rgba(255,255,255,.25);
  transform: scale(1.1);
}

/* ---- Promo modal ---- */
.promo-modal {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: none;
  max-width: 100vw;
  overflow-x: clip;
}
.promo-modal.is-open { display: grid; place-items: center }
.promo-modal-overlay {
  position: absolute; inset: 0; background: rgba(7,11,31,.62);
  -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px);
  animation: promoFade .3s ease;
  max-width: 100vw;
}
.promo-modal-card {
  position: relative;
  z-index: 1;
  width: min(440px, 90vw);
  max-width: calc(100vw - 2rem);
  background: #fff;
  border-radius: var(--r-lg);
  padding: 2.3rem 2rem 1.7rem;
  box-shadow: var(--shadow-dark);
  text-align: left;
  animation: promoIn .4s cubic-bezier(.22,1,.36,1);
  box-sizing: border-box;
}
@keyframes promoFade { from { opacity: 0 } to { opacity: 1 } }
@keyframes promoIn { from { opacity: 0; transform: translateY(18px) scale(.97) } to { opacity: 1; transform: none } }
.promo-modal-x {
  position: absolute; top: 1rem; right: 1.1rem; background: var(--paper-2); border: none;
  width: 34px; height: 34px; border-radius: 50%; font-size: 1.35rem; line-height: 1;
  color: var(--ink-soft); cursor: pointer; transition: background .2s, color .2s;
}
.promo-modal-x:hover { background: var(--paper-3); color: var(--navy) }
.promo-badge {
  display: inline-flex; align-items: center; gap: .4rem; margin-bottom: 1rem;
  background: color-mix(in srgb, var(--teal) 12%, #fff); color: var(--teal);
  border: 1px solid color-mix(in srgb, var(--teal) 26%, #fff);
  font-size: .7rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  padding: .32rem .72rem; border-radius: 999px;
}
.promo-modal-card h3 {
  font-size: 1.55rem; font-weight: 800; color: var(--navy);
  letter-spacing: -.02em; line-height: 1.12; margin-bottom: .55rem;
}
.promo-modal-sub { font-size: .92rem; color: var(--ink-soft); line-height: 1.55; margin-bottom: 1.3rem }
.promo-perks { list-style: none; display: grid; gap: .6rem; margin-bottom: 1.6rem }
.promo-perks li {
  position: relative; padding-left: 1.7rem; font-size: .88rem; color: var(--ink);
}
.promo-perks li::before {
  content: "✓"; position: absolute; left: 0; top: -1px;
  width: 20px; height: 20px; border-radius: 50%; font-size: .72rem; font-weight: 800;
  color: var(--green); background: color-mix(in srgb, var(--green) 14%, #fff);
  display: grid; place-items: center;
}
.promo-modal-cta { display: flex; flex-wrap: wrap; gap: .6rem; margin-bottom: 1.1rem }
.promo-fine { font-size: .72rem; color: var(--ink-soft); opacity: .85 }
body.modal-open { overflow: hidden }

/* ---- Hero ---- */
.hero {
  background: var(--navy); color: #fff;
  padding: clamp(4.5rem, 9vw, 7.5rem) 0;
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}
/* subtle dot grid */
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.07) 1px, transparent 1px);
  background-size: 36px 36px; pointer-events: none;
  overflow: hidden;
}
/* glow accents - clipped to not exceed viewport */
.hero-glow-r {
  position: absolute; width: 560px; height: 560px; border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.2) 0%, transparent 68%);
  right: -120px; top: -140px; pointer-events: none;
  clip-path: inset(0 -100% 0 -100%);
}
.hero-glow-l {
  position: absolute; width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(15,95,114,.45) 0%, transparent 68%);
  left: -100px; bottom: -80px; pointer-events: none;
  clip-path: inset(0 -100% 0 -100%);
}
.hero-grid {
  display: grid; grid-template-columns: 1.1fr .9fr;
  gap: 3rem; align-items: center; position: relative; z-index: 1;
}
.hero h1 { color: #fff; margin: 1.4rem 0 1.3rem }
/* Typewriter (R2): "More than a broker." is static and fades/rises in on load;
   only "Your risk partner." types. .tw-measure holds that line's real final
   text and reserves the correct height at any viewport/line-wrap — no layout
   shift. It's visible by default (no-JS fallback); JS hides it once typing
   starts and overlays .tw-visible in the same space via absolute positioning. */
#hero-hl { display: block }
.tw-static { display: inline-block; opacity: 0; transform: translateY(14px) }
.tw-static.in { animation: fadeUp .6s cubic-bezier(.22,1,.36,1) forwards }
.tw-line2 { position: relative; display: block }
.tw-visible { position: absolute; top: 0; left: 0; right: 0 }
.hero h1 .accent {
  background: linear-gradient(100deg, #FF5A60 0%, var(--red) 55%, #FF8A4C 100%);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: var(--red);
}
.hero .lead { color: rgba(255,255,255,.72); margin-bottom: 2.2rem }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.4rem }
.hero .btn-ghost { border-color: rgba(255,255,255,.3); color: rgba(255,255,255,.88) }
.hero .btn-ghost:hover { border-color: rgba(255,255,255,.7); color: #fff; background: rgba(255,255,255,.08) }

/* status pill */
.hero-pill {
  display: inline-flex; align-items: center; gap: .55rem;
  font-size: .76rem; font-weight: 600; letter-spacing: .02em;
  color: rgba(255,255,255,.82);
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14);
  padding: .5rem .9rem; border-radius: 999px;
  backdrop-filter: blur(6px);
}
.hp-dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--green);
  box-shadow: 0 0 0 3px rgba(14,164,114,.25);
  animation: livepulse 2s ease-in-out infinite;
}

/* social proof */
.hero-proof {
  display: flex; align-items: center; gap: 1rem; flex-wrap: wrap;
  border-top: 1px solid rgba(255,255,255,.12); padding-top: 1.6rem;
}
.hp-avatars { display: flex; align-items: center }
.hp-avatars > * {
  width: 40px; height: 40px; border-radius: 50%; flex: none;
  border: 2px solid var(--navy); margin-left: -12px;
  background: #fff; object-fit: contain; padding: 4px;
  box-shadow: 0 2px 8px rgba(0,0,0,.3);
}
.hp-avatars > *:first-child { margin-left: 0 }
.hp-av {
  display: grid; place-items: center; padding: 0;
  font-size: .82rem; font-weight: 800; color: var(--navy);
}
.hp-more {
  background: var(--red); color: #fff; font-size: .72rem;
  letter-spacing: -.02em;
}
.hp-stars { color: var(--gold); font-size: .95rem; letter-spacing: .12em; line-height: 1 }
.hp-proof-sub { font-size: .82rem; color: rgba(255,255,255,.6); margin-top: .28rem }
.hp-proof-sub b { color: #fff; font-weight: 700 }

/* ---- Dashboard card (hero right) ----
   Entrance is gated on .hero-art.in (added by the same scroll IntersectionObserver
   that drives .reveal elsewhere) so every piece starts hidden and cascades in —
   card first, then header/chart, bars growing, metrics and badges popping in,
   with the floating chip/notif sliding in last — instead of just fading as a block. */
.hero-art { position: relative; padding: 1.5rem 0 2.5rem }
.hero-art.reveal { opacity: 1; transform: none } /* let children handle their own entrance */

.dash-card {
  background: #fff; border-radius: 20px;
  box-shadow: var(--shadow-dark);
  padding: 1.6rem; position: relative; z-index: 2;
  opacity: 0; transform: translateY(46px) scale(.9) rotate(-1.2deg);
}
.hero-art.in .dash-card {
  animation: dashCardIn .85s cubic-bezier(.22,1,.36,1) forwards,
             floaty 6s ease-in-out infinite .85s;
}
@keyframes dashCardIn {
  0%   { opacity: 0; transform: translateY(46px) scale(.9) rotate(-1.2deg) }
  65%  { opacity: 1; transform: translateY(-6px) scale(1.02) rotate(.3deg) }
  100% { opacity: 1; transform: translateY(0) scale(1) rotate(0) }
}
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px) } to { opacity: 1; transform: translateY(0) } }

.dash-header {
  display: flex; justify-content: space-between; align-items: flex-start;
  padding-bottom: 1.2rem; margin-bottom: 1.3rem;
  border-bottom: 1px solid var(--line);
  opacity: 0; transform: translateY(12px);
}
.hero-art.in .dash-header { animation: fadeUp .5s ease .35s forwards }
.dash-title { font-size: .9rem; font-weight: 800; color: var(--navy) }
.dash-sub { font-size: .72rem; color: var(--ink-soft); margin-top: .15rem }
.dash-live {
  display: inline-flex; align-items: center; gap: .35rem;
  font-size: .72rem; font-weight: 700; color: var(--green);
  background: rgba(14,164,114,.1); padding: .3rem .65rem; border-radius: 999px;
}
.dash-live::before {
  content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--green);
  animation: livepulse 2s ease-in-out infinite;
}
@keyframes livepulse { 0%,100%{opacity:1} 50%{opacity:.35} }

/* premium growth chart */
.dash-chart {
  background: linear-gradient(180deg, var(--paper-2), #fff);
  border: 1px solid var(--line); border-radius: 12px;
  padding: 1rem 1.1rem 1.1rem; margin-bottom: 1.1rem;
  opacity: 0; transform: translateY(12px);
}
.hero-art.in .dash-chart { animation: fadeUp .5s ease .45s forwards }
.dc-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: .9rem }
.dc-lab { font-size: .68rem; font-weight: 600; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .08em }
.dc-val { font-size: 1.4rem; font-weight: 900; color: var(--navy); line-height: 1; margin-top: .3rem; display: flex; align-items: baseline; gap: .45rem }
.dc-delta { font-size: .72rem; font-weight: 800; color: #067050; background: rgba(14,164,114,.12); padding: .12rem .4rem; border-radius: 6px }
.dc-period { font-size: .66rem; font-weight: 600; color: var(--ink-soft); background: var(--paper-3); padding: .25rem .5rem; border-radius: 999px }
.dc-bars { display: flex; align-items: flex-end; gap: .5rem; height: 62px }
.dc-bars span {
  flex: 1; height: var(--h); min-height: 8px; border-radius: 5px 5px 3px 3px;
  background: linear-gradient(180deg, rgba(11,17,40,.28), rgba(11,17,40,.14));
  transform-origin: bottom; opacity: 0; transform: scaleY(0);
}
.hero-art.in .dc-bars span { animation: barGrow .65s cubic-bezier(.2,.7,.3,1) .65s forwards }
.hero-art.in .dc-bars span:nth-child(2){animation-delay:.71s} .hero-art.in .dc-bars span:nth-child(3){animation-delay:.77s}
.hero-art.in .dc-bars span:nth-child(4){animation-delay:.83s} .hero-art.in .dc-bars span:nth-child(5){animation-delay:.89s}
.hero-art.in .dc-bars span:nth-child(6){animation-delay:.95s}
.dc-peak { background: linear-gradient(180deg, var(--red), #FF7A4C) !important; box-shadow: 0 4px 12px rgba(207,28,34,.35) }
@keyframes barGrow { from{transform:scaleY(0);opacity:0} to{transform:scaleY(1);opacity:1} }

.dash-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; margin-bottom: 1.1rem }
.dash-metric {
  background: var(--paper-2); border-radius: 10px; padding: 1rem;
  border: 1px solid var(--line);
  opacity: 0; transform: translateY(14px);
}
.hero-art.in .dash-metric { animation: fadeUp .45s ease forwards }
.hero-art.in .dash-metric:nth-child(1){animation-delay:1.05s} .hero-art.in .dash-metric:nth-child(2){animation-delay:1.13s}
.hero-art.in .dash-metric:nth-child(3){animation-delay:1.21s} .hero-art.in .dash-metric:nth-child(4){animation-delay:1.29s}
.dm-num { font-size: 1.45rem; font-weight: 900; color: var(--navy); line-height: 1 }
.dm-lab { font-size: .7rem; color: var(--ink-soft); margin-top: .22rem; font-weight: 500 }
.dash-badges { display: flex; gap: .45rem; flex-wrap: wrap }
.dbadge {
  font-size: .68rem; font-weight: 700; padding: .3rem .7rem; border-radius: 999px;
  opacity: 0; transform: scale(.7);
}
.hero-art.in .dbadge { animation: badgePop .4s cubic-bezier(.34,1.56,.64,1) forwards }
.hero-art.in .dbadge:nth-child(1){animation-delay:1.4s} .hero-art.in .dbadge:nth-child(2){animation-delay:1.47s}
.hero-art.in .dbadge:nth-child(3){animation-delay:1.54s}
@keyframes badgePop { from{opacity:0;transform:scale(.7)} to{opacity:1;transform:scale(1)} }
.dbadge-navy { background: var(--navy); color: #fff }
.dbadge-green { background: rgba(14,164,114,.15); color: #067050; border: 1px solid rgba(14,164,114,.3) }
.dbadge-red { background: rgba(207,28,34,.1); color: var(--red); border: 1px solid rgba(207,28,34,.2) }

.dash-notif {
  position: absolute; left: -1.4rem; bottom: .8rem; z-index: 3;
  background: #fff; border-radius: 14px; padding: .85rem 1rem;
  display: flex; align-items: center; gap: .75rem;
  box-shadow: var(--shadow); border: 1px solid var(--line);
  max-width: calc(100% + 1.4rem);
  overflow: hidden;
  opacity: 0; transform: translate(-30px, 16px) scale(.85);
}
.hero-art.in .dash-notif {
  animation: notifIn .55s cubic-bezier(.22,1,.36,1) .95s forwards,
             floaty 6s ease-in-out infinite 1.5s;
}
@keyframes notifIn { from{opacity:0;transform:translate(-30px,16px) scale(.85)} to{opacity:1;transform:translate(0,0) scale(1)} }
.notif-tick {
  width: 32px; height: 32px; border-radius: 50%; background: var(--green);
  display: grid; place-items: center; color: #fff; font-size: .9rem; flex: none;
}
.notif-title { font-size: .82rem; font-weight: 700; color: var(--navy); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.notif-sub { font-size: .72rem; color: var(--ink-soft); margin-top: .1rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
@keyframes floaty { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-8px)} }

/* floating rating chip (top-right) */
.dash-chip {
  position: absolute; right: -1.2rem; top: -1rem; z-index: 3;
  background: var(--navy); color: #fff; border-radius: 14px; padding: .7rem .95rem;
  display: flex; align-items: center; gap: .65rem;
  box-shadow: var(--shadow-dark); border: 1px solid rgba(255,255,255,.1);
  max-width: calc(100% + 1.2rem);
  overflow: hidden;
  opacity: 0; transform: translate(24px, -20px) scale(.85);
}
.hero-art.in .dash-chip {
  animation: chipIn .55s cubic-bezier(.22,1,.36,1) .55s forwards,
             floaty 6s ease-in-out infinite 1.1s;
}
@keyframes chipIn { from{opacity:0;transform:translate(24px,-20px) scale(.85)} to{opacity:1;transform:translate(0,0) scale(1)} }
.dchip-ico {
  width: 30px; height: 30px; border-radius: 9px; background: rgba(240,168,48,.16);
  color: var(--gold); display: grid; place-items: center; font-size: .95rem; flex: none;
}
.dchip-num { font-size: .8rem; font-weight: 800; color: #fff; line-height: 1 }
.dchip-sub { font-size: .68rem; color: rgba(255,255,255,.6); margin-top: .18rem }

/* ---- Insurer logos band ---- */
.logos {
  padding: 2.2rem 0; background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.logos .logos-label {
  text-align: center; font-size: .7rem; font-weight: 700; letter-spacing: .16em;
  text-transform: uppercase; color: var(--ink-soft); opacity: .6; margin-bottom: 1.4rem;
}
.logo-row {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: .7rem 2.8rem; align-items: center;
}
.logo-row span {
  font-size: .96rem; font-weight: 700; color: var(--ink-soft);
  opacity: .45; transition: opacity .2s; cursor: default;
}
.logo-row span:hover { opacity: .8 }

/* ---- Section scaffolding ---- */
.section { padding: clamp(4rem, 8vw, 6.5rem) 0 }
.section-head { max-width: 62ch; margin-bottom: 2.8rem }
.section-head h2 { font-size: clamp(2rem, 4vw, 2.9rem); margin: .8rem 0 .9rem }
.section-head p { color: var(--ink-soft); font-size: 1.05rem }
/* dark alt sections */
.alt { background: var(--navy-dark); color: var(--paper) }
.alt .section-head p { color: rgba(255,255,255,.65) }
.alt .eyebrow { color: rgba(255,255,255,.5) }
.alt .eyebrow::before { background: var(--red) }

/* ---- Core Offerings (4-col cards) ---- */
.offerings { background: var(--paper-2) }
.offerings .section-head { max-width: 100%; margin-bottom: 0 }
.offerings-head { text-align: center; margin-bottom: 3rem }
.offerings-head .eyebrow { justify-content: center }
.offerings-head .eyebrow::before { display: none }
.offerings-head .eyebrow::after { content: ""; width: 22px; height: 2px; background: var(--red) }
.offerings-head h2 { font-size: clamp(2rem, 4vw, 2.9rem); max-width: 56ch; margin: .8rem auto 1rem }
.offerings-head p { color: var(--ink-soft); max-width: 54ch; margin: 0 auto }
/* Per-card accent tokens */
.off-card[data-accent="green"]  { --acc: var(--green); --acc-rgb: 14,164,114 }
.off-card[data-accent="red"]    { --acc: var(--red);   --acc-rgb: 207,28,34 }
.off-card[data-accent="gold"]   { --acc: #C98A16;      --acc-rgb: 201,138,22 }
.off-card[data-accent="teal"]   { --acc: var(--teal);  --acc-rgb: 15,95,114 }
.off-card[data-accent="violet"] { --acc: #6D5BD0;      --acc-rgb: 109,91,208 }

/* ---- Bento banner grid ---- */
.off-bento {
  margin-top: 2.8rem;
  display: grid; gap: 1.2rem;
  grid-template-columns: 1.5fr 1fr 1fr;
  grid-template-areas:
    "emp    emp    lia"
    "prop   well   well"
    "retail retail retail";
}

/* ---- Pastel mascot banner ---- */
.off-card {
  --surface: #fff; --stroke: var(--navy); --mascot-fill: #fff;
  position: relative; overflow: visible; display: flex; flex-direction: column;
  min-height: 210px; border-radius: 26px; padding: 1.7rem 1.8rem;
  background: color-mix(in srgb, var(--acc) 12%, var(--card-tint));
  transition: transform .4s cubic-bezier(.22,1,.36,1),
              box-shadow .4s cubic-bezier(.22,1,.36,1);
  will-change: transform;
}
.off-card:hover { transform: translateY(-6px);
  box-shadow: 0 30px 55px -22px rgba(var(--acc-rgb), .5) }
.off-feature { min-height: 300px; padding: 2.1rem 2.2rem }

.off-open { position: absolute; top: 1.5rem; right: 1.6rem; color: var(--navy);
  transition: transform .35s cubic-bezier(.22,1,.36,1); z-index: 2 }
.off-card:hover .off-open { transform: translate(3px,-3px) }

.off-copy { position: relative; z-index: 1; max-width: 64% }
.off-tag {
  display: inline-flex; align-items: center; align-self: flex-start;
  font-size: .64rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: var(--acc); background: rgba(255,255,255,.75);
  padding: .3rem .65rem; border-radius: 999px; margin-bottom: .8rem;
}
.off-card h3 { font-size: 1.3rem; font-weight: 800; color: var(--navy);
  letter-spacing: -.02em; line-height: 1.12; margin-bottom: .9rem }
.off-feature h3 { font-size: 1.7rem }

/* ---- Tag chips (replace paragraph copy) ---- */
.off-chips { display: flex; flex-wrap: wrap; gap: .4rem }
.off-chips span {
  font-size: .74rem; font-weight: 600; color: var(--navy);
  background: rgba(255,255,255,.7); border: 1px solid rgba(11,17,40,.06);
  padding: .32rem .7rem; border-radius: 999px; white-space: nowrap;
  transition: background .2s;
}
.off-card:hover .off-chips span { background: rgba(255,255,255,.95) }

/* ---- Mascot illustration + motion ---- */
.off-mascot { position: absolute; right: 1.1rem; bottom: .9rem; width: 118px; height: auto;
  animation: off-float 3.6s ease-in-out infinite; transform-origin: bottom center; will-change: transform; }
.off-feature .off-mascot { width: 156px; right: 1.6rem; bottom: 1.3rem }
@keyframes off-float { 0%,100% { transform: translateY(0) } 50% { transform: translateY(-5px) } }
.off-card:hover .off-mascot { animation: off-bounce .75s cubic-bezier(.34,1.56,.64,1) }
@keyframes off-bounce {
  0% { transform: translateY(0) scaleY(1) }
  25% { transform: translateY(-12px) scaleY(1.04) }
  55% { transform: translateY(0) scaleY(.94) }
  75% { transform: translateY(-3px) scaleY(1.01) }
  100% { transform: translateY(0) scaleY(1) }
}
.off-mascot .st { fill: none; stroke: var(--stroke); stroke-width: 3.4; stroke-linecap: round; stroke-linejoin: round }
.off-mascot .fillw { fill: var(--mascot-fill) }
.off-mascot .glyph { fill: none; stroke: var(--stroke); stroke-width: 3.8; stroke-linecap: round; stroke-linejoin: round }
.off-mascot .shadow { fill: var(--stroke); opacity: .12 }
.off-mascot .eye { fill: var(--stroke) }
.off-mascot .spark { stroke: var(--acc); stroke-width: 3; stroke-linecap: round;
  transform-box: fill-box; transform-origin: center; transition: transform .4s ease }
.off-card:hover .off-mascot .spark { transform: scale(1.25) }
.off-mascot .badge-shield { fill: var(--acc); stroke: var(--stroke) }
.off-mascot .badge-check { stroke: var(--mascot-fill) }
.off-mascot .badge { transform-box: fill-box; transform-origin: center;
  transition: transform .5s cubic-bezier(.34,1.56,.64,1) }
.off-card:hover .off-mascot .badge { transform: rotate(-6deg) scale(1.08) }
.off-mascot .bolt { fill: var(--acc); transform-box: fill-box; transform-origin: center }
.off-card:hover .off-mascot .bolt { animation: off-flash .6s ease }
@keyframes off-flash { 0%,100% { opacity: 1 } 40% { opacity: .25 } 70% { opacity: 1 } }
.off-mascot .pulse { stroke-dasharray: 150; stroke-dashoffset: 0 }
.off-card:hover .off-mascot .pulse { animation: off-draw 1s ease }
@keyframes off-draw { from { stroke-dashoffset: 150 } to { stroke-dashoffset: 0 } }

/* ---- Bento responsive collapse ---- */
@media (max-width: 860px) {
  .off-bento {
    grid-template-columns: 1fr 1fr;
    grid-template-areas:
      "emp    emp"
      "lia    prop"
      "well   well"
      "retail retail";
  }
  .off-feature h3 { font-size: 1.45rem }
}
@media (max-width: 560px) {
  .off-bento {
    grid-template-columns: 1fr;
    grid-template-areas: "emp" "lia" "prop" "well" "retail";
  }
  .off-card, .off-feature { min-height: 190px }
  .off-copy { max-width: 70% }
}

@media (prefers-reduced-motion: reduce) {
  .off-mascot, .off-mascot *, .off-card { animation: none !important; transition: none !important }
}

/* ---- Stats band (dark gradient) ---- */
.stats {
  background: linear-gradient(150deg, #141B40 0%, #070B1F 100%);
  color: #fff;
  padding: clamp(3.5rem, 7vw, 5.5rem) 0;
  border-top: 3px solid var(--red);
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}
/* subtle dot grid overlay */
.stats::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 32px 32px; pointer-events: none;
}
/* red glow bottom-right - clipped */
.stats::after {
  content: ""; position: absolute; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.18) 0%, transparent 68%);
  right: -100px; bottom: -100px; pointer-events: none;
  clip-path: inset(0 -100% 0 -100%);
}
.stat-band {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; text-align: center; position: relative; z-index: 1;
}
.stat {
  padding: 0 2rem;
  border-right: 1px solid rgba(255,255,255,.1);
}
.stat:last-child { border-right: none }
.stat .n {
  font-size: clamp(2.8rem, 5vw, 4rem); font-weight: 900; color: #fff; line-height: 1;
}
.stat .n em { color: var(--red); font-style: normal; font-size: 60% }
.stat .l { font-size: .84rem; color: rgba(255,255,255,.55); margin-top: .6rem; font-weight: 500 }

/* ---- The Rexa Difference (navy) ---- */
.difference { background: var(--paper-2) }
.diff-head { text-align: center; margin-bottom: 3rem }
.diff-head .eyebrow { justify-content: center; color: var(--red) }
.diff-head .eyebrow::before, .diff-head .eyebrow::after { background: var(--red) }
.diff-head .eyebrow::after { content: ""; width: 22px; height: 2px; background: var(--red) }
.diff-head .eyebrow::before { display: none }
.diff-head h2 { color: var(--navy); font-size: clamp(2rem, 4vw, 2.9rem); margin: .8rem 0 1rem }
.diff-head p { color: var(--ink-soft); max-width: 54ch; margin: 0 auto }
.diff-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.2rem }

/* Per-card accent (brightened for the navy ground) */
/* Muted, brand-derived accents — Rexa navy/teal/red family, not candy pastels */
.diff-item[data-accent="sky"]   { --da: #2E3F72 }  /* Rexa indigo (navy-derived) */
.diff-item[data-accent="teal"]  { --da: var(--teal) }
.diff-item[data-accent="green"] { --da: #1C7A5B }  /* muted deep green */
.diff-item[data-accent="gold"]  { --da: #A9812F }  /* muted ochre / sand */
.diff-item[data-accent="red"]   { --da: var(--red) }

.diff-item {
  position: relative; overflow: hidden;
  background: color-mix(in srgb, var(--da) 13%, var(--card-tint));
  border: 1px solid color-mix(in srgb, var(--da) 22%, var(--card-tint));
  border-radius: var(--r-lg); padding: 1.7rem 1.5rem 1.8rem; text-align: left;
  transition: transform .4s cubic-bezier(.22,1,.36,1), box-shadow .4s cubic-bezier(.22,1,.36,1), border-color .3s;
}
/* accent glow that blooms from the icon corner on hover */
.diff-item::before {
  content: ""; position: absolute; top: -46px; left: -26px; width: 160px; height: 160px;
  border-radius: 50%; pointer-events: none; opacity: 0; transition: opacity .45s ease;
  background: radial-gradient(circle, color-mix(in srgb, var(--da) 26%, transparent) 0%, transparent 70%);
}
.diff-item:hover {
  transform: translateY(-6px);
  border-color: color-mix(in srgb, var(--da) 32%, #fff);
  box-shadow: 0 26px 48px -22px color-mix(in srgb, var(--da) 55%, transparent);
}
.diff-item:hover::before { opacity: 1 }

.diff-chip {
  position: relative; z-index: 1; width: 58px; height: 58px; border-radius: 16px; margin-bottom: 1.2rem;
  background: #fff;
  border: 1px solid color-mix(in srgb, var(--da) 24%, #fff);
  display: grid; place-items: center;
  transition: transform .45s cubic-bezier(.34,1.56,.64,1), box-shadow .4s;
}
.diff-item:hover .diff-chip {
  transform: translateY(-2px);
  box-shadow: 0 12px 26px -8px color-mix(in srgb, var(--da) 45%, transparent);
}

.diff-item h3 { position: relative; z-index: 1; font-size: 1rem; font-weight: 800; color: var(--navy); margin-bottom: .5rem; letter-spacing: -.01em }
.diff-item p { position: relative; z-index: 1; font-size: .84rem; color: var(--ink-soft); line-height: 1.55 }

/* ---- Line-art icon system ---- */
.di-ill { width: 36px; height: 36px }
.di-ill .ln { fill: none; stroke: var(--navy); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round }
.di-ill .soft { stroke: rgba(11,17,40,.32) }
.di-ill .fillsoft { fill: color-mix(in srgb, var(--da) 12%, transparent) }
.di-ill .dot { fill: var(--navy) }
.di-ill .accent { fill: none; stroke: var(--da); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round }
.di-ill .heartpop { fill: var(--da); stroke: none }
.di-ill * { transform-box: fill-box; transform-origin: center }

/* Support — signal arc pulses */
.di-ill .sig { opacity: .55; transition: opacity .3s }
.diff-item:hover .di-ill .sig { animation: di-sig 1.1s ease infinite }
@keyframes di-sig { 0%,100% { opacity: .3; transform: scale(.9) } 50% { opacity: 1; transform: scale(1.05) } }

/* Claims — speed lines slide, check draws */
.di-ill .speed { transition: transform .3s ease, opacity .3s ease }
.diff-item:hover .di-ill .speed { animation: di-speed .6s ease }
@keyframes di-speed { 0% { transform: translateX(5px); opacity: 0 } 100% { transform: translateX(0); opacity: 1 } }
.di-ill .check { stroke-dasharray: 16; stroke-dashoffset: 0 }
.diff-item:hover .di-ill .check { animation: di-draw .5s .1s ease both }

/* Employee — heart pops */
.diff-item:hover .di-ill .heartpop { animation: di-pop .55s .05s cubic-bezier(.34,1.56,.64,1) }
@keyframes di-pop { 0% { transform: scale(1) } 40% { transform: scale(1.28) } 70% { transform: scale(.92) } 100% { transform: scale(1) } }

/* Advisory — bars grow, trend draws */
.di-ill .bar { transform-origin: bottom }
.diff-item:hover .di-ill .b1 { animation: di-grow .45s ease both }
.diff-item:hover .di-ill .b2 { animation: di-grow .45s .08s ease both }
.diff-item:hover .di-ill .b3 { animation: di-grow .45s .16s ease both }
@keyframes di-grow { from { transform: scaleY(0) } to { transform: scaleY(1) } }
.di-ill .trend { stroke-dasharray: 42; stroke-dashoffset: 0 }
.diff-item:hover .di-ill .trend { animation: di-draw .6s .2s ease both }

/* Prevention — raindrops fall */
.di-ill .drops { opacity: 0 }
.diff-item:hover .di-ill .drops  { animation: di-drop .7s .05s ease infinite }
.diff-item:hover .di-ill .d2 { animation-delay: .22s }
.diff-item:hover .di-ill .d3 { animation-delay: .40s }
@keyframes di-drop { 0% { opacity: 0; transform: translateY(-3px) } 30% { opacity: 1 } 100% { opacity: 0; transform: translateY(6px) } }

@keyframes di-draw { from { stroke-dashoffset: 42 } to { stroke-dashoffset: 0 } }

@media (prefers-reduced-motion: reduce) {
  .diff-item, .diff-item *, .di-ill * { animation: none !important; transition: none !important; transform: none !important }
  .di-ill .heartpop { transform: scale(1) !important }
}

/* ---- Partnering Process ---- */
.process { background: var(--paper-2) }
.proc-head { text-align: center; margin-bottom: 3.5rem }
.proc-head h2 { font-size: clamp(2rem, 4vw, 2.9rem); margin: .8rem 0 .9rem }
.proc-head p { color: var(--ink-soft); max-width: 52ch; margin: 0 auto }
.proc-steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 0; position: relative }
.proc-steps::before {
  content: ""; position: absolute; top: 1.4rem; left: 10%; right: 10%; height: 2px;
  background: linear-gradient(90deg, var(--red) 0%, var(--teal) 100%); z-index: 0;
}
.proc-step { text-align: center; padding: 0 .6rem; position: relative; z-index: 1 }
.proc-num {
  width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: #fff;
  font-size: .85rem; font-weight: 800; display: grid; place-items: center;
  margin: 0 auto 1.2rem; border: 3px solid #fff; box-shadow: var(--shadow-sm);
}
.proc-step h3 { font-size: .92rem; font-weight: 700; color: var(--navy); margin-bottom: .4rem }
.proc-step p { font-size: .8rem; color: var(--ink-soft); line-height: 1.5 }

/* ---- Industries ---- */
.industries { background: #fff }
.ind-head { margin-bottom: 2.4rem }
.ind-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.ind-card {
  display: flex; align-items: center; gap: .95rem;
  background: var(--paper); border: 1.5px solid var(--line); border-radius: 14px;
  padding: 1rem 1.15rem; cursor: default;
  transition: border-color .22s, box-shadow .22s, transform .22s;
}
.ind-card:hover, .ind-card.is-active {
  border-color: var(--navy);
  box-shadow: var(--shadow-sm);
  transform: translateY(-3px);
}
.ind-ic {
  flex: none; width: 46px; height: 46px; border-radius: 12px;
  background: var(--card-tint); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  transition: background .22s, color .22s;
}
.ind-ic svg { width: 24px; height: 24px; display: block }
.ind-card:hover .ind-ic, .ind-card.is-active .ind-ic { background: var(--red); color: #fff }
.ind-label {
  font-weight: 700; font-size: .95rem; color: var(--ink);
  line-height: 1.25; transition: color .22s;
}
.ind-card:hover .ind-label, .ind-card.is-active .ind-label { color: var(--navy) }

@media (max-width: 960px) { .ind-grid { grid-template-columns: repeat(3, 1fr) } }
@media (max-width: 680px) { .ind-grid { grid-template-columns: repeat(2, 1fr) } }
@media (max-width: 430px) { .ind-grid { grid-template-columns: 1fr } }

/* ---- Client logo wall ---- */
.clients { background: #fff }
.clients-head { text-align: center; margin-bottom: 3.2rem }

/* Featured Clients */
.featured-clients {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-bottom: 4rem;
}
.fc-client {
  background: linear-gradient(135deg, var(--paper-2) 0%, rgba(207,28,34,.04) 100%);
  border: 1.5px solid var(--line); border-radius: 16px; padding: 2rem 1.5rem;
  display: flex; flex-direction: column; align-items: center; gap: 1rem;
  transition: all .3s cubic-bezier(.4, 0, .2, 1);
  position: relative; overflow: hidden;
}
.fc-client::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(circle at top right, rgba(207,28,34,.1) 0%, transparent 70%);
  opacity: 0; transition: opacity .3s;
  pointer-events: none;
}
.fc-client:hover {
  border-color: var(--red); box-shadow: 0 8px 32px rgba(207,28,34,.15);
  transform: translateY(-4px);
}
.fc-client:hover::before { opacity: 1 }
.fc-client[data-accent="red"] { border-color: rgba(207,28,34,.2) }
.fc-client[data-accent="teal"] { border-color: rgba(15,95,114,.2) }
.fc-badge {
  font-size: .65rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  color: var(--red); background: rgba(207,28,34,.1); padding: .4rem 1rem; border-radius: 999px;
}
.fc-logo-wrap {
  width: 60px; height: 60px; display: flex; align-items: center; justify-content: center;
  background: #fff; border-radius: 12px; box-shadow: 0 4px 12px rgba(0,0,0,.05);
}
.fc-client img {
  max-height: 48px; max-width: 96px; width: auto; object-fit: contain;
  filter: grayscale(100%); opacity: .5;
  transition: filter .7s ease, opacity .7s ease;
}
.fc-client:hover img { filter: grayscale(0%); opacity: 1 }
.fc-init {
  width: 100%; height: 100%; display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; font-weight: 900; color: var(--red); background: #fff;
}
.fc-name {
  font-size: .95rem; font-weight: 700; color: var(--ink); text-align: center;
}
.fc-stat {
  font-size: .8rem; color: var(--ink-soft); text-align: center;
}

/* Featured clients — logos gain colour once, when the carousel scrolls into
   view, cascading left to right; they stay coloured afterwards. */
.featured-clients.logo-in .fc-client img { filter: grayscale(0%); opacity: 1 }
.featured-clients.logo-in .fc-client:nth-child(1) img { transition-delay: 0ms }
.featured-clients.logo-in .fc-client:nth-child(2) img { transition-delay: 120ms }
.featured-clients.logo-in .fc-client:nth-child(3) img { transition-delay: 240ms }

/* Client Grid */
.client-grid {
  display: grid; grid-template-columns: repeat(6, 1fr); gap: 1rem;
}
.cgrid-card {
  background: #fff; border: 1.5px solid var(--line); border-radius: 12px;
  padding: 1.2rem .8rem; display: flex; flex-direction: column;
  align-items: center; gap: .7rem; cursor: pointer;
  transition: all .25s ease;
  position: relative;
}
.cgrid-card::before {
  content: ''; position: absolute; inset: 0; border-radius: 12px;
  background: linear-gradient(135deg, rgba(207,28,34,.08) 0%, transparent 100%);
  opacity: 0; transition: opacity .25s;
}
.cgrid-card:hover {
  border-color: var(--red); box-shadow: 0 6px 20px rgba(207,28,34,.12);
  transform: translateY(-3px);
}
.cgrid-card:hover::before { opacity: 1 }
.cgrid-logo {
  height: 44px; display: flex; align-items: center; justify-content: center; position: relative; z-index: 1;
}
.cgrid-card img {
  max-height: 40px; max-width: 90px; width: auto; object-fit: contain;
  filter: grayscale(100%); opacity: .45;
  transition: filter .7s ease, opacity .7s ease;
}
.cgrid-card:hover img { filter: grayscale(0%); opacity: 1 }
.cgrid-init {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--paper-3); font-size: 1rem; font-weight: 900;
  color: var(--ink-soft); display: flex; align-items: center; justify-content: center;
  transition: all .3s;
}
.cgrid-card:hover .cgrid-init {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-hov) 100%);
  color: #fff; box-shadow: 0 4px 16px rgba(207,28,34,.3);
}
.cgrid-name {
  font-size: .7rem; font-weight: 600; color: var(--ink-soft);
  text-align: center; line-height: 1.2; transition: color .25s; position: relative; z-index: 1;
}
.cgrid-card:hover .cgrid-name { color: var(--red) }

/* Client grid — each logo gains colour once, the first time it scrolls into
   view, and stays coloured afterwards (no re-graying on scroll-past). The
   per-column delay makes a row sweep left-to-right as it crosses into view. */
.cgrid-card.logo-in img { filter: grayscale(0%); opacity: 1 }
.client-grid .cgrid-card:nth-child(6n+1) img { transition-delay: 0ms }
.client-grid .cgrid-card:nth-child(6n+2) img { transition-delay: 60ms }
.client-grid .cgrid-card:nth-child(6n+3) img { transition-delay: 120ms }
.client-grid .cgrid-card:nth-child(6n+4) img { transition-delay: 180ms }
.client-grid .cgrid-card:nth-child(6n+5) img { transition-delay: 240ms }
.client-grid .cgrid-card:nth-child(6n+6) img { transition-delay: 300ms }

/* ---- Testimonials ---- */
.testimonials { background: #fff }
.testi-head { text-align: center; margin-bottom: 2.8rem }

/* aggregate rating summary */
.testi-rating {
  display: inline-flex; align-items: center; flex-wrap: wrap; gap: .55rem;
  margin-top: 1.4rem; padding: .55rem 1.1rem; border-radius: 999px;
  background: var(--paper-2); border: 1px solid var(--line);
  font-size: .9rem; color: var(--ink-soft);
}
.tr-stars { color: #F5A623; letter-spacing: .08em; font-size: 1rem }
.tr-score { color: var(--navy); font-weight: 500 }
.tr-score b { font-size: 1.1rem; font-weight: 900 }
.tr-score i { font-style: normal; opacity: .6 }
.testi-rating .tr-text b { color: var(--navy); font-weight: 700 }

/* layout: full-width featured hero on top, 2 supporting cards below */
.testi-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 2rem;
  margin-top: 3rem;
}

.testi-card {
  position: relative; overflow: visible;
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--r-lg);
  padding: 2.2rem; display: flex; flex-direction: column;
  transition: box-shadow .3s, border-color .3s, transform .3s, background .3s;
  will-change: transform;
  backdrop-filter: blur(4px);
}
.testi-card:hover {
  box-shadow: 0 12px 40px rgba(11,17,40,.08), 0 4px 12px rgba(207,28,34,.1);
  border-color: rgba(207,28,34,.2);
  transform: translateY(-4px);
  background: #fafbfd;
}

/* featured card — navy, full-width */
.testi-featured {
  grid-column: 1 / -1;
  display: flex; flex-direction: column;
  background: linear-gradient(135deg, #1E276B 0%, var(--navy) 52%, var(--navy-dark) 100%);
  border-color: rgba(255,255,255,.08);
  color: #fff; padding: 3.2rem;
  position: relative;
  overflow: hidden;
  box-shadow: 0 24px 56px rgba(11,17,40,.25);
}
.testi-featured::before { /* soft glow accent - clipped */
  content: ""; position: absolute; width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.32), transparent 72%);
  right: -160px; top: -200px; pointer-events: none;
  clip-path: inset(0 -100% 0 -100%);
}
.testi-featured:hover {
  transform: translateY(-4px);
  box-shadow: 0 32px 72px rgba(11,17,40,.3);
  background: linear-gradient(135deg, #1E276B 0%, var(--navy) 52%, var(--navy-dark) 100%);
}
.testi-featured .testi-quote {
  font-size: 1.5rem; line-height: 1.6; color: #fff; font-weight: 500;
  letter-spacing: -.015em; max-width: 70ch; margin: 1.2rem 0 2rem;
  position: relative; z-index: 1;
}

.testi-stars {
  color: #FFD166; font-size: 1.05rem; letter-spacing: .08em; margin-bottom: 1.3rem;
  position: relative; z-index: 1; font-weight: 600; text-shadow: 0 1px 3px rgba(0,0,0,.1);
}

.testi-quote {
  font-size: 1rem; color: var(--ink); line-height: 1.8; flex: 1;
  margin: 0; position: relative; z-index: 1;
  font-weight: 500;
  letter-spacing: -.005em;
}
.testi-featured .testi-quote {
  font-size: 1.45rem; line-height: 1.55; color: #fff; font-weight: 500;
  letter-spacing: -.015em; max-width: 60ch; margin: .5rem 0 1.9rem;
}
.testi-quote mark {
  background: linear-gradient(transparent 62%, rgba(207,28,34,.18) 0);
  color: var(--red); font-weight: 700; padding: 0 .1em;
}
.testi-featured .testi-quote mark {
  background: rgba(255,255,255,.14); color: #fff; border-radius: 5px; padding: .05em .3em;
  box-decoration-break: clone; -webkit-box-decoration-break: clone;
}

/* result-metric highlight */
.testi-metric {
  display: flex; align-items: baseline; gap: .6rem; flex-wrap: wrap;
  margin-top: 1.3rem; padding: .8rem 1rem; border-radius: 12px;
  background: #fff; border: 1px solid var(--line); position: relative; z-index: 1;
}
.tm-num { font-size: 1.35rem; font-weight: 900; color: var(--red); line-height: 1; letter-spacing: -.02em; flex: none }
.tm-lab { font-size: .78rem; color: var(--ink-soft); font-weight: 500; line-height: 1.35 }
.testi-featured .testi-metric {
  background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.16); backdrop-filter: blur(4px);
}
.testi-featured .tm-num { font-size: 1.9rem; color: #fff }
.testi-featured .tm-lab { color: rgba(255,255,255,.68) }


/* Avatar container and circles */
.testi-avatar { position: relative; flex: none; width: 70px; height: 70px }
.avatar-circle {
  width: 70px; height: 70px; border-radius: 50%;
  background: linear-gradient(135deg, #1E276B 0%, #0B1128 100%);
  color: #fff; display: grid; place-items: center;
  font-size: 1.45rem; font-weight: 900; letter-spacing: -.02em;
  border: 3px solid #fff;
  box-shadow: 0 6px 16px rgba(11,17,40,.18), inset 0 1px 2px rgba(255,255,255,.15);
  transition: transform .3s ease, box-shadow .3s ease;
}
.testi-card:hover .avatar-circle {
  transform: scale(1.1);
  box-shadow: 0 12px 28px rgba(11,17,40,.25), inset 0 1px 2px rgba(255,255,255,.15);
}
.testi-featured .avatar-circle {
  background: linear-gradient(135deg, rgba(255,255,255,.15), rgba(255,255,255,.05));
  color: #fff;
  border-color: rgba(255,255,255,.4);
  box-shadow: 0 6px 16px rgba(0,0,0,.2), inset 0 1px 2px rgba(255,255,255,.2);
}
.testi-featured:hover .avatar-circle {
  box-shadow: 0 12px 28px rgba(0,0,0,.3), inset 0 1px 2px rgba(255,255,255,.2);
}
/* Company badge */
.avatar-badge {
  position: absolute; right: -4px; bottom: -4px;
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--red), #B01820);
  color: #fff; display: grid; place-items: center;
  font-size: .8rem; font-weight: 900;
  border: 3px solid #fff;
  box-shadow: 0 6px 16px rgba(207,28,34,.3);
  transition: transform .3s ease;
}
.testi-card:hover .avatar-badge {
  transform: scale(1.15);
}

/* Header and Footer sections */
.testi-header { margin-bottom: 1rem }
.testi-footer {
  display: flex; align-items: center; gap: 1.2rem;
  margin-top: 1.8rem; padding-top: 1.6rem;
  border-top: 1px solid rgba(11,17,40,.08);
}
.testi-featured .testi-footer { border-top-color: rgba(255,255,255,.12) }

.testi-info { min-width: 0 }
.testi-name {
  font-size: 1rem; font-weight: 800; color: var(--navy);
  display: flex; align-items: center; gap: .45rem;
  letter-spacing: -.01em;
}
.testi-featured .testi-name { color: #fff }
.testi-verified {
  width: 18px; height: 18px; border-radius: 50%; flex: none;
  background: var(--green); color: #fff;
  font-size: .65rem; font-weight: 900; display: grid; place-items: center;
}
.testi-role {
  font-size: .85rem; color: var(--ink-soft); margin-top: .3rem;
  line-height: 1.5; font-weight: 500;
}
.testi-featured .testi-role { color: rgba(255,255,255,.7) }
.testi-role b { color: var(--navy); font-weight: 700 }
.testi-featured .testi-role b { color: #FFB3B7 }

/* ---- CTA section ---- */
.cta-section {
  background: var(--navy);
  padding: clamp(4.5rem, 9vw, 7rem) 0;
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}
.cta-inner {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.cta-inner h2 { color: #fff; font-size: clamp(2.2rem, 4.5vw, 3.2rem); margin-bottom: 1rem }
.cta-inner p { color: rgba(255,255,255,.68); font-size: 1.05rem; margin-bottom: 2.2rem }
.cta-btns { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap }
.cta-contact {
  margin-top: 2rem; display: flex; justify-content: center;
  gap: 2rem; flex-wrap: wrap; border-top: 1px solid rgba(255,255,255,.12); padding-top: 1.8rem;
}
.cta-contact a { font-size: .9rem; color: rgba(255,255,255,.6); transition: color .15s; display: flex; align-items: center; gap: .4rem }
.cta-contact a:hover { color: #fff }
.cta-glow {
  position: absolute; width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.18) 0%, transparent 65%);
  left: 50%; top: 50%; transform: translate(-50%,-50%); pointer-events: none;
  clip-path: inset(0 -100% 0 -100%);
}

/* ---- Claims Helpline (SEO/AEO Optimized) ---- */
.claims-helpline-section {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-hov) 100%);
  color: #fff; padding: 2.5rem 0; position: relative; overflow: hidden;
}
.claims-helpline-section::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(circle at 20% 80%, rgba(255,255,255,.1) 0%, transparent 50%);
  pointer-events: none;
}
.claims-helpline-content {
  position: relative; z-index: 1; text-align: center;
}
.claims-helpline-content h3 {
  font-size: 1.6rem; font-weight: 600; margin-bottom: 0.8rem; letter-spacing: -0.02em;
}
.claims-helpline-content > p:first-of-type {
  font-size: 0.95rem; max-width: 600px; margin: 0 auto 1.8rem;
  opacity: 0.95; line-height: 1.5;
}
.claims-phone {
  display: inline-flex; align-items: center; gap: 1rem;
  background: rgba(255,255,255,.15); backdrop-filter: blur(8px);
  padding: 1rem 1.8rem; border-radius: var(--r);
  color: #fff; text-decoration: none; font-weight: 600;
  transition: all .2s ease; border: 1px solid rgba(255,255,255,.2);
  cursor: pointer;
}
.claims-phone:hover {
  background: rgba(255,255,255,.25); transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,.15);
}
.claims-phone svg { flex-shrink: 0; opacity: 0.9 }
.phone-label { font-size: 0.8rem; opacity: 0.8; text-transform: uppercase; letter-spacing: 0.05em }
.phone-number { font-size: 1.6rem; font-weight: 700; display: block }
.claims-meta {
  font-size: 0.85rem; margin-top: 1.2rem; opacity: 0.85;
}

@media (max-width: 640px) {
  .claims-helpline-section { padding: 2rem 0 }
  .claims-helpline-content h3 { font-size: 1.3rem }
  .claims-helpline-content > p:first-of-type { font-size: 0.9rem; margin-bottom: 1.5rem }
  .claims-phone {
    flex-direction: column; padding: 1.2rem 1.5rem;
    gap: 0.6rem;
  }
  .phone-label { font-size: 0.75rem }
  .phone-number { font-size: 1.4rem }
}

/* ---- Footer ---- */
.footer { background: var(--navy-dark); color: rgba(255,255,255,.7); padding: 3.5rem 0 2rem; font-size: .92rem }
.foot-grid {
  display: grid; grid-template-columns: 1.8fr 1fr 1fr 1.3fr;
  gap: 2rem; padding-bottom: 2.5rem; border-bottom: 1px solid rgba(255,255,255,.08);
}
.foot-brand .brand { margin-bottom: 1rem }
.foot-brand .brand-logo { height: 44px }
.foot-tagline { font-size: .78rem; color: rgba(255,255,255,.35); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 1rem }
.foot-brand p { max-width: 32ch; color: rgba(255,255,255,.48); font-size: .88rem; line-height: 1.65 }
.lic { margin-top: 1rem; font-size: .76rem; color: rgba(255,255,255,.3); display: flex; align-items: center; gap: .5rem }
.lic::before { content: ""; width: 8px; height: 8px; border-radius: 2px; background: var(--red); flex: none }
.foot-grid h4 { font-size: .95rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.85); margin-bottom: 1rem; font-weight: 700 }
.foot-grid a { display: block; padding: .3rem 0; color: rgba(255,255,255,.58); transition: color .15s }
.foot-grid a:hover { color: #fff }
.foot-contact-list { display: grid; gap: .7rem }
.fci { font-size: .86rem; color: rgba(255,255,255,.55); line-height: 1.5 }
.fci strong { display: block; font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.3); margin-bottom: .15rem }

.foot-contact { display: grid; gap: .8rem; font-size: .85rem }
.fcc-item { color: rgba(255,255,255,.65); line-height: 1.6 }
.fcc-item a { color: #F0A830; text-decoration: none; font-weight: 500 }
.fcc-item a:hover { opacity: 0.8 }

.contact-sidebar { display: grid; gap: 1.2rem; max-width: 320px }
.cs-item {
  background: var(--paper-2); border: 1.5px solid var(--line); border-radius: 14px;
  padding: 1.4rem; transition: all .3s ease;
}
.cs-item:hover { border-color: var(--red); box-shadow: 0 6px 20px rgba(207,28,34,.12); transform: translateY(-2px) }
.cs-item h4 {
  font-size: 0.85rem; font-weight: 700; text-transform: uppercase; color: var(--red);
  margin-bottom: 0.8rem; letter-spacing: 0.1em; display: flex; align-items: center; gap: 0.6rem;
}
.cs-item p { margin: 0.4rem 0; font-size: 0.9rem; color: var(--ink-soft); line-height: 1.5 }
.cs-item p:first-of-type { color: var(--ink); font-weight: 500; margin-bottom: 0.8rem }
.cs-item a { color: var(--navy); text-decoration: none; font-weight: 600; transition: color .2s }
.cs-item a:hover { color: var(--red) }

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr }
  .contact-sidebar { max-width: 100% }
}

.foot-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap;
  gap: .8rem; padding-top: 1.5rem; font-size: .78rem; color: rgba(255,255,255,.35);
}
.foot-legal-links a { color: rgba(255,255,255,.5); transition: color .15s }
.foot-legal-links a:hover { color: #fff }
.foot-legal-links .sep { margin: 0 .5rem; color: rgba(255,255,255,.2) }

/* ---- Legal pages (privacy / terms / grievance) ---- */
.legal-content { max-width: 74ch; margin: 0 auto; padding: clamp(2.5rem, 5vw, 3.5rem) 0 clamp(3rem, 6vw, 4.5rem) }
.legal-updated { font-size: .82rem; color: var(--ink-soft); margin-bottom: 2.2rem }
.legal-content h2 { font-size: 1.4rem; margin: 2.4rem 0 .9rem }
.legal-content h2:first-of-type { margin-top: 0 }
.legal-content h3 { font-size: 1.05rem; margin: 1.6rem 0 .6rem }
.legal-content p { color: var(--ink-soft); line-height: 1.75; margin-bottom: 1rem }
.legal-content ul, .legal-content ol { color: var(--ink-soft); line-height: 1.75; margin: 0 0 1rem 1.3rem }
.legal-content li { margin-bottom: .4rem }
.legal-content a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px }
.legal-content a:hover { color: var(--red) }
.legal-content strong { color: var(--ink) }
.legal-content .legal-note {
  background: var(--card-tint); border: 1px solid var(--line); border-radius: 12px;
  padding: 1rem 1.2rem; font-size: .88rem; color: var(--ink-soft); margin: 1.4rem 0;
}

/* =========================================================
   COVERAGE LOOKUP PAGE
   ========================================================= */

/* Nav highlight for coverage link */
.nav-coverage { }

/* Page header */
.cov-header {
  background: var(--navy); color: #fff;
  padding: clamp(3.5rem, 7vw, 5.5rem) 0 clamp(2.5rem, 5vw, 4rem);
  position: relative; overflow: hidden;
}
.cov-header::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 32px 32px; pointer-events: none;
}
.cov-header .eyebrow { color: rgba(255,255,255,.5) }
.cov-header .eyebrow::before { background: var(--red) }
.cov-header h1 { color: #fff; font-size: clamp(2.4rem, 5.5vw, 3.8rem); margin: .9rem 0 1rem }
.cov-header .lead { color: rgba(255,255,255,.7); max-width: 52ch }
.cov-header-inner { position: relative; z-index: 1 }

/* How it works strip */
.cov-steps {
  background: var(--paper-2); border-bottom: 1px solid var(--line);
  padding: 1.5rem 0;
}
.cov-steps-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 1rem; flex-wrap: wrap;
}
.cov-step { display: flex; align-items: center; gap: .75rem }
.cs-num {
  width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: #fff;
  font-size: .82rem; font-weight: 800; display: grid; place-items: center; flex: none;
}
.cs-text { font-size: .88rem; font-weight: 600; color: var(--ink-soft) }
.cs-arrow { color: var(--line); font-size: 1.2rem; font-weight: 300 }

/* Main lookup grid */
.lookup-grid { display: grid; grid-template-columns: 1fr .85fr; gap: 2.5rem; align-items: start }

/* Form panel */
.lookup-panel {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow); padding: 2rem; position: sticky; top: 90px;
}
.lp-title { font-size: 1.45rem; margin-bottom: .3rem }
.lp-hint { color: var(--ink-soft); font-size: .93rem; margin-bottom: 1.5rem }
.field-err { font-size: .8rem; color: var(--red); margin-top: .3rem; min-height: 1.1em }
.lp-submit { width: 100%; justify-content: center; margin-top: .3rem }
.lookup-security {
  display: flex; align-items: flex-start; gap: .6rem;
  font-size: .78rem; color: var(--ink-soft); line-height: 1.55;
  margin-top: 1rem; padding: .8rem 1rem;
  background: var(--paper-2); border-radius: 8px; border: 1px solid var(--line);
}
.lookup-security::before { content: "🔒"; flex: none; margin-top: .05rem }
.lp-demo {
  width: 100%; justify-content: center;
  margin-top: .7rem; font-size: .84rem; padding: .65rem 1.2rem;
}

/* Info panel (right column) */
.lookup-info { display: grid; gap: 1rem }
.info-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 1.3rem;
}
.info-card h3 { font-size: .92rem; font-weight: 800; color: var(--navy); margin-bottom: .85rem }
.info-list { list-style: none; display: grid; gap: .5rem }
.info-list li {
  display: flex; align-items: flex-start; gap: .6rem;
  font-size: .86rem; color: var(--ink-soft); line-height: 1.4;
}
.info-list li::before { content: "✓"; color: var(--green); font-weight: 800; font-size: .8rem; flex: none; margin-top: .15rem }
.info-list-no li::before { content: "—"; color: var(--line); font-weight: 400 }
.demo-hint {
  background: rgba(207,28,34,.06); border: 1px dashed rgba(207,28,34,.3);
  border-radius: 8px; padding: .85rem 1rem; font-size: .8rem; color: var(--ink-soft); line-height: 1.6;
}
.demo-hint code {
  background: rgba(11,17,40,.08); padding: .1rem .4rem; border-radius: 4px;
  font-family: "Courier New", monospace; font-size: .9em; color: var(--navy);
}

/* ---- Policy result card ---- */
.policy-result { animation: fade .4s ease }
.pr-header {
  display: flex; justify-content: space-between; align-items: center;
  padding-bottom: 1rem; margin-bottom: 1.1rem; border-bottom: 1px solid var(--line);
}
.pr-badge {
  display: inline-flex; align-items: center; gap: .4rem;
  font-size: .72rem; font-weight: 700; padding: .35rem .8rem;
  border-radius: 999px; text-transform: uppercase; letter-spacing: .06em;
}
.pr-badge-active {
  background: rgba(14,164,114,.1); color: #067050;
  border: 1px solid rgba(14,164,114,.28);
}
.pr-badge-active::before {
  content: ""; width: 7px; height: 7px; border-radius: 50%;
  background: var(--green); animation: livepulse 2s ease-in-out infinite;
}
.pr-badge-expired { background: var(--paper-3); color: var(--ink-soft); border: 1px solid var(--line) }
.pr-badge-lapsed {
  background: rgba(240,168,48,.12); color: #7A5500;
  border: 1px solid rgba(240,168,48,.35);
}
.pr-num { font-size: .72rem; color: var(--ink-soft); font-weight: 600; font-family: monospace }
.pr-holder { font-size: 1.55rem; font-weight: 900; color: var(--navy); line-height: 1.1 }
.pr-plan { font-size: .92rem; color: var(--ink-soft); margin: .3rem 0 1.3rem }
.pr-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-bottom: 1.3rem }
.pr-item {
  background: var(--paper-2); border-radius: 10px; padding: .9rem 1rem;
  border: 1px solid var(--line);
}
.pr-label {
  font-size: .66rem; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--ink-soft); margin-bottom: .3rem;
}
.pr-value { font-size: 1.05rem; font-weight: 800; color: var(--navy) }
.pr-footer {
  display: flex; gap: .7rem; flex-wrap: wrap;
  padding-top: 1.1rem; border-top: 1px solid var(--line);
}

/* ---- Not found state ---- */
.not-found { text-align: center; padding: 1.5rem 0; animation: fade .4s ease }
.nf-icon { font-size: 3rem; margin-bottom: .9rem }
.not-found h3 { font-size: 1.35rem; color: var(--navy); margin-bottom: .55rem }
.not-found p { color: var(--ink-soft); font-size: .93rem; max-width: 38ch; margin: 0 auto .5rem }
.nf-actions { display: flex; gap: .7rem; justify-content: center; flex-wrap: wrap; margin-top: 1.5rem }

/* ---- Rate limit state ---- */
.rate-limited { text-align: center; padding: 1.5rem 0; animation: fade .4s ease }
.rl-icon { font-size: 2.8rem; margin-bottom: .8rem }
.rate-limited h3 { font-size: 1.25rem; color: var(--navy); margin-bottom: .5rem }
.rate-limited p { color: var(--ink-soft); font-size: .9rem; max-width: 38ch; margin: 0 auto .5rem }

/* ---- FAQ grid ---- */
.faq-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2rem }
.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  padding: 1.4rem; transition: box-shadow .2s;
}
.faq-item:hover { box-shadow: var(--shadow-sm) }
.faq-item h3 {
  font-size: .95rem; font-weight: 700; color: var(--navy);
  margin-bottom: .65rem; padding-bottom: .65rem; border-bottom: 1px solid var(--line);
}
.faq-item p { font-size: .87rem; color: var(--ink-soft); line-height: 1.65 }

/* Responsive */
@media (max-width: 920px) {
  .lookup-grid { grid-template-columns: 1fr }
  .lookup-panel { position: static }
  .faq-grid { grid-template-columns: 1fr 1fr }
  .cov-steps-inner { justify-content: flex-start }
}
@media (max-width: 640px) {
  .faq-grid { grid-template-columns: 1fr }
  .cs-arrow { display: none }
  .pr-grid { grid-template-columns: 1fr 1fr }
}

/* ---- Page header (sub-pages) ---- */
.page-head { padding: clamp(3rem, 6vw, 4.5rem) 0 clamp(2rem, 4vw, 3rem); border-bottom: 1px solid var(--line) }
.page-head h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); margin: 1rem 0 1rem }
.page-head .lead { font-size: 1.15rem }
.crumbs { font-size: .82rem; color: var(--ink-soft) }
.crumbs a:hover { color: var(--navy) }

/* ---- About / split ---- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center }
.split .panel { background: var(--paper-2); border-radius: var(--r-lg); padding: 2rem; border: 1px solid var(--line) }
.vlist { list-style: none; display: grid; gap: 1rem }
.vlist li { display: flex; gap: .9rem; align-items: flex-start }
.vlist .chk {
  width: 24px; height: 24px; border-radius: 50%; background: var(--navy);
  color: #fff; display: grid; place-items: center; font-size: .8rem; flex: none; margin-top: .1rem;
}
.vlist b { display: block }
.vlist span { color: var(--ink-soft); font-size: .92rem }

/* ---- Why grid (sub-page usage) ---- */
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.4rem }
.why {
  padding: 2.2rem; position: relative; border-radius: 14px;
  background: rgba(255,255,255,.04); backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.1); transition: all .3s cubic-bezier(.4, 0, .2, 1);
  display: flex; flex-direction: column; overflow: visible;
  will-change: transform;
}
.why::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(circle at top right, rgba(207,28,34,.15) 0%, transparent 70%);
  opacity: 0; transition: opacity .3s cubic-bezier(.4, 0, .2, 1);
  pointer-events: none;
}
.why:hover {
  background: rgba(255,255,255,.08); border-color: rgba(207,28,34,.4);
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,.2), 0 4px 12px rgba(207,28,34,.1);
}
.why:hover::before { opacity: 1 }
.why .why-no {
  font-size: .8rem; font-weight: 900; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold); opacity: .8; margin-bottom: 1rem;
  display: inline-block; background: rgba(240,168,48,.15); padding: .4rem .8rem; border-radius: 8px;
  width: fit-content;
}
.why h3 {
  font-size: 1.4rem; margin: .4rem 0 .8rem; color: #fff; font-weight: 700;
  letter-spacing: -.02em; position: relative; z-index: 1;
}
.why p {
  color: rgba(255,255,255,.7); font-size: .95rem; line-height: 1.6;
  position: relative; z-index: 1;
}

/* ---- Service cards (sub-pages: general, life) ---- */
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem }
.svc {
  background: linear-gradient(135deg, #fff 0%, rgba(245,246,250,.6) 100%);
  border: 1.5px solid var(--line); border-radius: 14px;
  padding: 1.8rem; position: relative; transition: all .3s cubic-bezier(.4, 0, .2, 1);
  display: flex; flex-direction: column; overflow: visible;
  box-shadow: 0 4px 12px rgba(11,17,40,.05);
  will-change: transform;
}
.svc::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--red) 0%, var(--teal) 100%);
  transform: scaleX(0); transform-origin: left; transition: transform .3s cubic-bezier(.4, 0, .2, 1);
}
.svc:hover {
  transform: translateY(-6px); border-color: var(--red);
  box-shadow: 0 12px 32px rgba(207,28,34,.15), 0 4px 12px rgba(11,17,40,.05);
}
.svc:hover::before { transform: scaleX(1) }
.svc:hover::after {
  content: ''; position: absolute; inset: 0; border-radius: 14px;
  background: radial-gradient(circle at top right, rgba(207,28,34,.08) 0%, transparent 70%);
  pointer-events: none;
}
.svc .num {
  font-size: .75rem; font-weight: 900; letter-spacing: .16em; text-transform: uppercase;
  color: var(--red); opacity: .6; margin-bottom: .8rem;
}
.svc .ic { font-size: 2rem; line-height: 1; margin-bottom: .6rem }
.svc h3 {
  font-size: 1.3rem; margin: .4rem 0 .8rem; color: var(--ink); font-weight: 700;
  letter-spacing: -.02em;
}
.svc p { font-size: .95rem; color: var(--ink-soft); flex: 1; line-height: 1.6 }
.svc .more {
  margin-top: 1.4rem; font-size: .9rem; font-weight: 700; color: var(--red);
  display: inline-flex; gap: .5rem; align-items: center; opacity: 0;
  transform: translateY(8px); transition: all .3s cubic-bezier(.4, 0, .2, 1);
}
.svc:hover .more {
  opacity: 1; transform: translateY(0);
}
.svc .arr { transition: transform .2s cubic-bezier(.4, 0, .2, 1) }
.svc:hover .more .arr { transform: translateX(4px) }

/* ---- Unique Liability Cards (.svc-liability) ---- */
.svc-liability {
  background: linear-gradient(135deg, rgba(207,28,34,.04) 0%, rgba(15,95,114,.03) 100%);
  border-left: 4px solid var(--red); border-right: 1.5px solid var(--line);
  border-top: 1.5px solid var(--line); border-bottom: 1.5px solid var(--line);
  position: relative; padding-left: 1.6rem;
}
.svc-liability::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: linear-gradient(180deg, var(--red) 0%, var(--red-hov) 50%, var(--navy) 100%);
  transform: scaleY(0); transform-origin: top; transition: transform .4s cubic-bezier(.4, 0, .2, 1);
}
.svc-liability:hover {
  background: linear-gradient(135deg, rgba(207,28,34,.1) 0%, rgba(15,95,114,.08) 100%);
  border-left-color: var(--red); border-right-color: var(--red);
  border-top-color: var(--red); border-bottom-color: var(--red);
}
.svc-liability:hover::before { transform: scaleY(1) }
.svc-liability:hover::after {
  content: ''; position: absolute; inset: 0; border-radius: 14px;
  background: radial-gradient(circle at bottom left, rgba(207,28,34,.12) 0%, transparent 70%);
  pointer-events: none;
}
.svc-liability .num {
  color: var(--red); opacity: 1; font-size: .85rem;
  background: rgba(207,28,34,.1); padding: .5rem .8rem; border-radius: 6px;
}
.svc-liability h3 {
  color: var(--navy); font-size: 1.35rem; font-weight: 800;
  margin-top: 1rem; letter-spacing: -.03em;
}
.svc-liability p {
  color: var(--ink-soft); font-size: .96rem; font-weight: 500;
}
.svc-liability .more {
  color: var(--red); margin-top: 1.2rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: .08em; font-size: .85rem;
}
.svc-liability:hover .more {
  opacity: 1; transform: translateY(0);
}

/* ---- Steps (sub-page process) ---- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; counter-reset: s }
.step { position: relative; padding-top: 1.3rem; border-top: 2px solid var(--navy) }
.step::before {
  counter-increment: s; content: "0" counter(s); position: absolute;
  top: 1.3rem; right: 0; font-size: 2.4rem; color: var(--paper-3); font-weight: 900; line-height: .8;
}
.step h3 { font-size: 1.2rem; margin: .4rem 0 .5rem; max-width: 14ch }
.step p { font-size: .92rem; color: var(--ink-soft); max-width: 34ch }

/* ---- Contact ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem }
.field { margin-bottom: 1.1rem }
.field label { display: block; font-size: .82rem; font-weight: 600; margin-bottom: .4rem; color: var(--ink-soft) }
.field input, .field select, .field textarea {
  width: 100%; padding: .85rem 1rem; border: 1.5px solid var(--line); border-radius: 10px;
  font-family: inherit; font-size: .95rem; background: #fff; color: var(--ink); transition: border-color .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(11,17,40,.1);
}
.contact-info { display: grid; gap: 1.4rem; align-content: start }
.ci-card { background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--r); padding: 1.4rem }
.ci-card .ci-lab { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--navy); font-weight: 700 }
.ci-card .ci-val { font-size: 1.05rem; margin-top: .4rem; font-weight: 500 }
.ci-card .ci-val a { color: inherit; text-decoration: none; transition: opacity .2s }
.ci-card .ci-val a:hover { opacity: .7 }

/* Contact Info Layout */
.contact-info { display: grid; gap: 2.5rem }
.contact-section { }
.contact-section h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 0 0 0.8rem 0 }
.contact-address { font-size: 0.95rem; color: var(--ink); margin: 0 0 1.2rem 0; line-height: 1.6 }
.contact-details { display: grid; gap: 1rem }
.detail-group { }
.detail-label { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-soft); display: block; margin-bottom: 0.4rem }
.detail-value { font-size: 0.95rem; color: var(--ink); line-height: 1.6 }
.detail-value a { color: var(--brand); text-decoration: none; font-weight: 500; transition: opacity .2s }
.detail-value a:hover { opacity: .7 }

@media (max-width: 640px) {
  .contact-info { gap: 1.8rem }
  .contact-section h3 { font-size: 1rem }
  .contact-address { font-size: 0.9rem }
  .detail-value { font-size: 0.9rem }
}
.form-msg { display: none; margin-top: 1rem; font-size: .92rem; color: var(--green); font-weight: 600 }

@media (max-width: 640px) {
  .ci-card { padding: 1rem }
  .ci-card .ci-lab { font-size: .7rem }
  .ci-card .ci-val { font-size: .95rem }
}

/* ---- Team / Leadership ---- */
.team-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.6rem;
}
.team-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; display: flex; flex-direction: column;
  transition: transform .4s cubic-bezier(.22,1,.36,1), box-shadow .4s, border-color .4s;
  will-change: transform;
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: rgba(11,17,40,.12) }
.team-photo {
  position: relative; aspect-ratio: 3 / 4; overflow: hidden; background: var(--paper-2);
}
.team-photo img {
  width: 100%; height: 100%; object-fit: cover; object-position: center 15%;
  display: block; transition: transform .6s cubic-bezier(.22,1,.36,1);
}
.team-card:hover .team-photo img { transform: scale(1.05) }
.team-photo-fallback {
  display: grid; place-items: center;
  background: linear-gradient(135deg, #1E276B 0%, var(--navy) 55%, var(--navy-dark) 100%);
}
.team-photo-fallback span {
  font-size: 2.4rem; font-weight: 900; letter-spacing: -.02em; color: #fff; opacity: .92;
}
.team-info { flex: 1; min-width: 0; padding: 1.6rem 1.8rem 1.8rem }
.team-name { font-size: 1.15rem; font-weight: 800; color: var(--navy); margin-bottom: .2rem }
.team-role { font-size: .76rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--red); margin-bottom: .9rem }
.team-exp { font-size: .9rem; color: var(--ink); font-weight: 500; margin-bottom: .5rem }
.team-exp span { font-size: 1.25rem; font-weight: 900; color: var(--navy) }
.team-prev {
  font-size: .8rem; color: var(--ink-soft); line-height: 1.55;
  padding-top: .8rem; margin-top: .1rem; border-top: 1px solid var(--line);
}

/* ---- CTA block (sub-pages) ---- */
.cta-block {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: clamp(2.4rem,5vw,4rem);
  color: #fff;
  display: grid;
  grid-template-columns: 1.3fr .7fr;
  gap: 2rem;
  align-items: center;
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}
.cta-block::after {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.25), transparent 65%);
  right: -60px;
  bottom: -90px;
  clip-path: inset(0 -100% 0 -100%);
}
.cta-block h2 { font-size: clamp(1.8rem,3.5vw,2.5rem); color: #fff; position: relative; z-index: 1 }
.cta-block p { color: rgba(255,255,255,.75); margin-top: .7rem; position: relative; z-index: 1 }
.cta-actions { display: flex; flex-direction: column; gap: .7rem; position: relative; z-index: 1 }

/* =========================================================
   QUOTE WIZARD
   ========================================================= */
.quote-wrap { display: grid; grid-template-columns: 1fr 380px; gap: 2.4rem; align-items: start }
.wizard {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow); padding: clamp(1.5rem,3vw,2.4rem); min-height: 480px; display: flex; flex-direction: column;
}
.wz-progress { display: flex; gap: .5rem; margin-bottom: 1.8rem }
.wz-progress .pip { flex: 1; height: 5px; border-radius: 999px; background: var(--paper-3); overflow: hidden }
.wz-progress .pip i { display: block; height: 100%; width: 0; background: var(--navy); transition: width .4s ease }
.wz-progress .pip.done i { width: 100% }
.wz-progress .pip.active i { width: 100%; background: var(--red) }
.wz-step { display: none; animation: fade .35s ease }
.wz-step.active { display: block }
@keyframes fade { from{opacity:0;transform:translateY(8px)} to{opacity:1;transform:none} }
.wz-stepnum { font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--navy) }
.wz-step h2 { font-size: clamp(1.4rem,3vw,2rem); margin: .4rem 0 .4rem }
.wz-step .hint { color: var(--ink-soft); font-size: .96rem; margin-bottom: 1.4rem }
.opt-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: .8rem }
.opt {
  border: 1.5px solid var(--line); border-radius: var(--r); padding: 1.1rem 1.2rem; cursor: pointer;
  display: flex; gap: .9rem; align-items: flex-start; transition: border-color .15s, background .15s, transform .12s; background: #fff;
}
.opt:hover { border-color: var(--navy); transform: translateY(-2px) }
.opt.sel { border-color: var(--navy); background: rgba(11,17,40,.05) }
.opt .oic { font-size: 1.4rem; line-height: 1 }
.opt .otitle { font-weight: 600; font-size: 1rem }
.opt .odesc { font-size: .84rem; color: var(--ink-soft); margin-top: .15rem }
.opt .otick {
  margin-left: auto; width: 22px; height: 22px; border-radius: 50%;
  border: 1.5px solid var(--line); display: grid; place-items: center; flex: none; font-size: .75rem; color: #fff;
}
.opt.sel .otick { background: var(--navy); border-color: var(--navy) }
.range-row { margin: 1.4rem 0 }
.range-row .rlab { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .5rem }
.range-row .rlab b { font-size: .95rem }
.range-row .rlab .rval { font-size: 1.25rem; color: var(--navy); font-weight: 800 }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 999px; background: var(--paper-3); outline: none }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--navy); cursor: pointer; border: 3px solid #fff; box-shadow: var(--shadow-sm) }
input[type=range]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--navy); cursor: pointer; border: 3px solid #fff }
.wz-nav { margin-top: auto; display: flex; justify-content: space-between; gap: 1rem; padding-top: 1.8rem }
.estimate {
  position: sticky;
  top: 90px;
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-lg);
  padding: 1.8rem;
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
}
.estimate::after {
  content: "";
  position: absolute;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(207,28,34,.3), transparent 65%);
  right: -80px;
  top: -80px;
  clip-path: inset(0 -100% 0 -100%);
}
.estimate .e-lab { font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.5); position: relative; z-index: 1 }
.estimate .e-amt { font-size: clamp(2.4rem,6vw,3.2rem); font-weight: 900; line-height: 1; margin: .4rem 0 .2rem; position: relative; z-index: 1 }
.estimate .e-per { font-size: .86rem; color: rgba(255,255,255,.65); position: relative; z-index: 1 }
.estimate .e-list { margin-top: 1.4rem; display: grid; gap: .55rem; position: relative; z-index: 1 }
.estimate .e-row { display: flex; justify-content: space-between; font-size: .88rem; padding: .5rem 0; border-bottom: 1px dashed rgba(255,255,255,.14) }
.estimate .e-row span:first-child { color: rgba(255,255,255,.68) }
.estimate .e-row.muted { color: rgba(255,255,255,.45) }
.estimate .e-note { margin-top: 1.2rem; font-size: .76rem; color: rgba(255,255,255,.5); position: relative; z-index: 1; line-height: 1.5 }
.estimate .e-empty { font-size: .92rem; color: rgba(255,255,255,.58); position: relative; z-index: 1; margin-top: .5rem }
.result { text-align: center; padding: 1rem 0 }
.result .big-tick {
  width: 64px; height: 64px; border-radius: 50%; background: var(--navy);
  color: #fff; display: grid; place-items: center; font-size: 1.8rem;
  margin: 0 auto 1.2rem; animation: pop .4s ease;
}
@keyframes pop { 0%{transform:scale(.4);opacity:0} 100%{transform:scale(1);opacity:1} }
.result h2 { font-size: clamp(1.6rem,3.5vw,2.2rem) }
.result .ref {
  display: inline-block; margin-top: 1rem; font-size: 1.1rem;
  background: var(--paper-2); padding: .5rem 1rem; border-radius: 10px; font-weight: 700;
}

/* ---- Toast ---- */
.toast {
  position: fixed; left: 50%; bottom: 28px; transform: translateX(-50%) translateY(20px);
  background: var(--navy); color: #fff; padding: .9rem 1.3rem; border-radius: 999px;
  font-size: .9rem; font-weight: 500; opacity: 0; pointer-events: none;
  transition: opacity .3s, transform .3s; z-index: 99;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0) }

/* ---- Reveal animation ---- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease }
.reveal.in { opacity: 1; transform: none }

/* ---- Staggered reveal (R2) — cards fire one at a time as section scrolls into view ---- */
.stagger-grid .reveal:nth-child(1) { transition-delay: 0ms }
.stagger-grid .reveal:nth-child(2) { transition-delay: 130ms }
.stagger-grid .reveal:nth-child(3) { transition-delay: 260ms }
.stagger-grid .reveal:nth-child(4) { transition-delay: 390ms }
.stagger-grid .reveal:nth-child(5) { transition-delay: 520ms }

/* ---- Hero follow-up (lead/CTAs/social proof) — held back until the
   headline finishes typing, then fades in staggered via JS-added .in ---- */
.hero-followup > * { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease }
.hero-followup.in > *:nth-child(1) { transition-delay: 0ms }
.hero-followup.in > *:nth-child(2) { transition-delay: 120ms }
.hero-followup.in > *:nth-child(3) { transition-delay: 240ms }
.hero-followup.in > * { opacity: 1; transform: none }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1060px) {
  .diff-grid { grid-template-columns: repeat(3,1fr) }
  .client-grid { grid-template-columns: repeat(4,1fr) }
  .client-grid .cgrid-card:nth-child(4n+1) img { transition-delay: 0ms }
  .client-grid .cgrid-card:nth-child(4n+2) img { transition-delay: 80ms }
  .client-grid .cgrid-card:nth-child(4n+3) img { transition-delay: 160ms }
  .client-grid .cgrid-card:nth-child(4n+4) img { transition-delay: 240ms }
  .featured-clients { grid-template-columns: repeat(2,1fr) }
  .proc-steps { grid-template-columns: repeat(3,1fr); gap: 1.5rem }
  .proc-steps::before { display: none }
  .testi-grid { grid-template-columns: repeat(2,1fr) }
}
@media (max-width: 920px) {
  /* === Prevent overflow at tablet size === */
  html { max-width: 100%; overflow-x: clip }
  body { max-width: 100%; overflow-x: clip }
  .wrap { width: 100%; box-sizing: border-box; overflow-x: clip }

  /* === Hero === */
  .hero-grid { grid-template-columns: 1fr; width: 100%; box-sizing: border-box }
  .hero-art { width: 100%; box-sizing: border-box }
  .hero-glow-r, .hero-glow-l { clip-path: inset(0 -100% 0 -100%) }

  /* === Dashboard floating elements === */
  .dash-notif { position: static !important; left: auto !important; right: auto !important; margin: 1rem 0; max-width: 100%; width: 100%; box-sizing: border-box }
  .dash-chip { position: static !important; right: auto !important; left: auto !important; top: auto !important; margin: 1rem 0; max-width: 100%; width: 100%; box-sizing: border-box }
  .hero-art { position: relative; overflow: hidden }

  /* === Grids === */
  .svc-grid { grid-template-columns: 1fr 1fr }
  .steps { grid-template-columns: 1fr }
  .stat-band { grid-template-columns: 1fr 1fr; gap: 2rem }
  .stat { padding: 1.5rem 0; border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); overflow: hidden }
  .stat:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.1) }
  .stat:nth-last-child(-n+2) { border-bottom: none }
  .cta-block { grid-template-columns: 1fr; width: 100%; box-sizing: border-box }
  .team-grid { grid-template-columns: 1fr }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 2rem; width: 100%; box-sizing: border-box }
  .foot-grid { grid-template-columns: 1fr 1fr }
  .why-grid { grid-template-columns: 1fr }
  .quote-wrap { grid-template-columns: 1fr }
  .diff-grid { grid-template-columns: repeat(2,1fr) }
  .proc-steps { grid-template-columns: repeat(2,1fr); gap: 1.5rem }

  /* === Sections === */
  .section { width: 100%; box-sizing: border-box; overflow: hidden }
  .off-bento { width: 100%; box-sizing: border-box; overflow: hidden }
}
@media (max-width: 640px) {
  /* === Prevent all overflow === */
  html, body { max-width: 100vw; overflow-x: clip; width: 100% }
  .wrap { padding: 0 16px; overflow-x: clip }

  /* === Nav fixes === */
  .nav-links, .nav-cta .btn-ghost { display: none }
  .nav-toggle { display: block }
  .nav-links.open {
    display: flex; position: absolute; top: 70px; left: 0; right: 0;
    flex-direction: column; background: var(--paper); border-bottom: 1px solid var(--line);
    padding: 1rem 16px; gap: 1rem;
  }

  /* === Grid layouts === */
  .svc-grid { grid-template-columns: 1fr }
  .stat-band { grid-template-columns: 1fr 1fr }
  .stat { padding: 1.2rem 0; overflow: hidden }
  .stat:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.1) }
  .foot-grid { grid-template-columns: 1fr }
  .diff-grid { grid-template-columns: 1fr 1fr }
  .client-grid { grid-template-columns: repeat(3,1fr); gap: .75rem }
  .client-grid .cgrid-card:nth-child(3n+1) img { transition-delay: 0ms }
  .client-grid .cgrid-card:nth-child(3n+2) img { transition-delay: 100ms }
  .client-grid .cgrid-card:nth-child(3n+3) img { transition-delay: 200ms }
  .featured-clients { grid-template-columns: 1fr }

  /* === Dashboard fixes === */
  .dash-notif { left: 0 !important; right: auto; position: static; margin: 1rem 0; max-width: 100%; }
  .dash-chip { right: 0 !important; top: auto; position: static; margin: 1rem 0; max-width: 100%; }

  /* === Testimonials === */
  .testi-grid { grid-template-columns: 1fr; gap: 1.5rem }
  .testi-featured {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    width: 100%;
    box-sizing: border-box;
  }
  .testi-featured .testi-quote { font-size: 1.2rem; margin: .8rem 0 1.5rem; line-height: 1.6 }
  .testi-footer { flex-direction: column; text-align: center; gap: 1.5rem }
  .avatar-circle { width: 60px; height: 60px; font-size: 1.2rem }
  .avatar-badge { width: 30px; height: 30px; font-size: .7rem }
  .testi-rating { flex-wrap: wrap; justify-content: center; max-width: 100%; width: 100%; box-sizing: border-box }
  .testi-rating .tr-text { flex-basis: 100%; min-width: 0; text-align: center }
  .testi-card { max-width: 100%; width: 100%; box-sizing: border-box; overflow: hidden; padding: 1.8rem }

  /* === Team & Other grids === */
  .team-grid { grid-template-columns: 1fr }
  .team-card { width: 100%; box-sizing: border-box }
  .proc-steps { grid-template-columns: 1fr }

  /* === Hero section === */
  .hero-proof { gap: .8rem; width: 100%; box-sizing: border-box; overflow: hidden }
  .hero-glow-r, .hero-glow-l { clip-path: inset(0 -100% 0 -100%) !important }

  /* === Options and metrics === */
  .opt-grid { grid-template-columns: 1fr }
  .dash-metrics { grid-template-columns: 1fr 1fr }

  /* === All sections - prevent overflow === */
  .section { width: 100%; box-sizing: border-box; overflow: hidden }
  .off-bento { width: 100%; box-sizing: border-box; overflow: hidden }
  .off-card { width: 100%; box-sizing: border-box; overflow: hidden }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none }
  .hero-followup > * { opacity: 1; transform: none }
  .tw-static { opacity: 1; transform: none }
  .dash-card, .dash-header, .dash-chart, .dc-bars span, .dash-metric, .dbadge, .dash-notif, .dash-chip {
    opacity: 1 !important; transform: none !important;
  }
  .off-mascot, .roh-face, .roh-launcher-img, .roh-launcher-badge { animation: none !important; }
  .hp-dot, .dash-live::before, .roh-mh-sub .dot { animation: none !important; }
}


/* =========================================================
   ROHINI — guided finder & assistant
   ========================================================= */

/* ---- Face (shared by launcher + header avatar) — Raksha portrait ---- */
.roh-face {
  display: block; position: relative; border-radius: 50%; flex: none; overflow: hidden;
  background: radial-gradient(circle at 32% 28%, var(--brand-2), var(--navy) 62%, var(--navy-dark));
  box-shadow: inset 0 0 0 2px rgba(240,168,48,.4);
  animation: rohBob 3.4s ease-in-out infinite;
  will-change: transform;
}
.roh-face-img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: 50% 38%; }
.roh-face.talking { box-shadow: inset 0 0 0 2px rgba(240,168,48,.4), 0 0 0 4px rgba(240,168,48,.28); animation: rohBob 3.4s ease-in-out infinite, rohTalkPulse 1s ease-in-out infinite; }
@keyframes rohBob { 0%,100% { transform: translateY(0) } 50% { transform: translateY(-3px) } }
@keyframes rohTalkPulse { 0%,100% { box-shadow: inset 0 0 0 2px rgba(240,168,48,.4), 0 0 0 4px rgba(240,168,48,.28) } 50% { box-shadow: inset 0 0 0 2px rgba(240,168,48,.4), 0 0 0 4px rgba(240,168,48,.05) } }

/* ---- Floating launcher (entry point, present on every page) ---- */
#rohiniWidget {
  position: fixed; z-index: 9998; right: 24px; bottom: 24px; width: 380px; height: 148px;
  pointer-events: none;
}
#rohiniWidget > * { pointer-events: auto; }
.roh-launcher {
  position: absolute; right: 0; bottom: 0; width: 82px; border: none; cursor: pointer;
  background: transparent; padding: 0; line-height: 0;
}
/* Full head-to-hands figure, cut to her own silhouette (transparent PNG) —
   no background block; the outline below hugs her actual shape, not a box. */
.roh-launcher-img {
  display: block; width: 100%; height: auto;
  filter:
    drop-shadow(0 0 3px rgba(220,53,69,.6))
    drop-shadow(0 5px 14px rgba(11,17,40,.3));
  animation: rohLauncherBob 3.4s ease-in-out infinite, rohLauncherGlow 2.4s ease-in-out infinite;
  will-change: transform;
}
@keyframes rohLauncherBob { 0%,100% { transform: translateY(0) } 50% { transform: translateY(-4px) } }
@keyframes rohLauncherGlow {
  0%,100% {
    filter:
      drop-shadow(0 0 3px rgba(220,53,69,.6))
      drop-shadow(0 5px 14px rgba(11,17,40,.3));
  }
  50% {
    filter:
      drop-shadow(0 0 6px rgba(220,53,69,.7))
      drop-shadow(0 5px 14px rgba(11,17,40,.3));
  }
}
.roh-launcher-dot {
  position: absolute; top: 8px; right: 4px; width: 14px; height: 14px; border-radius: 50%;
  background: var(--green); border: 2px solid #fff; box-shadow: 0 1px 4px rgba(11,17,40,.3);
}
.roh-launcher-badge {
  position: absolute; top: 2px; left: -2px; min-width: 22px; height: 22px; padding: 0 4px;
  border-radius: 999px; background: var(--gold); color: var(--navy-dark);
  font-size: .72rem; line-height: 22px; text-align: center; font-weight: 700;
  border: 2px solid #fff; box-shadow: 0 2px 6px rgba(11,17,40,.3);
  animation: rohBadgePop 2.4s ease-in-out infinite;
  will-change: transform;
}
@keyframes rohBadgePop { 0%,100% { transform: scale(1) } 50% { transform: scale(1.14) } }

@media (max-width: 640px) {
  .roh-launcher { width: 60px; }
  .roh-launcher-dot { top: 6px; right: 2px; width: 12px; height: 12px; }
  .roh-launcher-badge { top: 0; left: -4px; min-width: 20px; height: 20px; font-size: .65rem; line-height: 20px; }
}

.roh-teaser {
  display: none;
  position: absolute; right: 92px; bottom: 68px; max-width: 220px; background: #fff;
  color: var(--ink); font-size: .84rem; font-weight: 500; padding: .7rem .9rem; border-radius: 14px;
  box-shadow: var(--shadow); opacity: 0; transform: translateY(6px); pointer-events: none;
  transition: opacity .3s, transform .3s; border: none; text-align: left; font-family: inherit;
}
.roh-teaser.show { opacity: 1; transform: translateY(0); pointer-events: auto; cursor: pointer; }
.roh-teaser::after {
  content: ''; position: absolute; right: -6px; bottom: 18px; width: 12px; height: 12px;
  background: #fff; transform: rotate(45deg); box-shadow: 2px -2px 4px rgba(11,17,40,.04);
}

/* ---- Inline "Ask Raksha" CTA injected into page hero areas ---- */
.roh-inline-cta { display: inline-flex; align-items: center; gap: .5rem; }

/* ---- Overlay + modal ---- */
.roh-overlay {
  position: fixed; inset: 0; z-index: 9999; background: rgba(7,11,31,.6);
  backdrop-filter: blur(3px); display: flex; align-items: center; justify-content: center; padding: 2rem;
  opacity: 0; pointer-events: none; transition: opacity .25s ease;
  max-width: 100vw; overflow-x: clip;
}
body.roh-open .roh-overlay { opacity: 1; pointer-events: auto; }

.roh-modal {
  width: min(880px, 100%);
  height: min(680px, 100%);
  max-width: 100vw;
  max-height: 100vh;
  background: var(--paper);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-dark);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transform: translateY(18px) scale(.97);
  opacity: 0;
  transition: transform .25s ease, opacity .25s ease;
  box-sizing: border-box;
}
body.roh-open .roh-modal { transform: none; opacity: 1; }

.roh-modal-head {
  display: flex; align-items: center; gap: .8rem; padding: 1rem 1.2rem;
  background: linear-gradient(135deg, var(--navy), var(--brand-2)); color: #fff; flex: none;
}
.roh-modal-head .roh-face { width: 52px; height: 52px; }
.roh-mh-info { flex: 1; min-width: 0; }
.roh-mh-name { font-weight: 700; font-size: 1.05rem; }
.roh-mh-sub { font-size: .8rem; color: rgba(255,255,255,.7); display: flex; align-items: center; gap: 5px; }
.roh-mh-sub .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green); }
.roh-mh-actions { display: flex; gap: .5rem; flex: none; }
.roh-mh-actions button {
  background: rgba(255,255,255,.12); border: none; color: #fff; width: 34px; height: 34px;
  border-radius: 50%; font-size: 1rem; cursor: pointer; line-height: 1;
}
.roh-mh-actions button:hover { background: rgba(255,255,255,.22); }

.roh-crumbs {
  display: flex; flex-wrap: wrap; align-items: center; gap: .3rem; padding: .65rem 1.2rem;
  background: var(--paper-2); border-bottom: 1px solid var(--line); font-size: .78rem; flex: none;
}
.roh-crumbs button {
  background: none; border: none; padding: .2rem .3rem; font-size: .78rem; cursor: pointer;
  color: var(--brand-2); font-weight: 600; font-family: inherit;
}
.roh-crumbs button:hover { text-decoration: underline; }
.roh-crumbs .cur { color: var(--ink-soft); font-weight: 500; padding: .2rem .3rem; }
.roh-crumbs .sep { color: var(--ink-soft); opacity: .5; }

.roh-modal-body { flex: 1; overflow-y: auto; padding: 1.4rem 1.2rem 1rem; background: var(--paper); max-height: 70vh; }
.roh-step { animation: rohStepIn .3s ease; }
@keyframes rohStepIn { from { opacity: 0; transform: translateY(10px) } to { opacity: 1; transform: none } }

/* ---- Dismissible promo banner (top of chat) ---- */
.roh-promo {
  position: relative; display: flex; align-items: center; gap: .8rem;
  margin-bottom: 1.2rem; padding: .85rem 2.4rem .85rem .9rem;
  border-radius: 14px; color: #fff;
  background: linear-gradient(115deg, #FF5A60 0%, var(--red) 52%, #FF8A4C 100%);
  box-shadow: 0 8px 22px -8px rgba(207,28,34,.55);
  animation: rohPromoIn .4s cubic-bezier(.2,.7,.3,1) backwards;
  overflow: hidden;
}
.roh-promo::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(120% 140% at 100% 0%, rgba(255,255,255,.28), transparent 45%);
}
@keyframes rohPromoIn { from { opacity: 0; transform: translateY(-8px) } to { opacity: 1; transform: none } }
.roh-promo.closing { animation: rohPromoOut .25s ease forwards; }
@keyframes rohPromoOut { to { opacity: 0; transform: translateY(-6px) scale(.98); margin-bottom: 0; height: 0; padding-top: 0; padding-bottom: 0; } }

.roh-promo-ic { font-size: 1.5rem; flex: none; line-height: 1; }
.roh-promo-txt { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: .12rem; }
.roh-promo-title { font-size: .72rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; opacity: .92; }
.roh-promo-sub { font-size: .9rem; font-weight: 600; line-height: 1.35; }
.roh-promo-cta {
  flex: none; display: inline-flex; align-items: center; gap: .35rem;
  background: #fff; color: var(--red); border: none; cursor: pointer;
  font-family: inherit; font-size: .82rem; font-weight: 700;
  padding: .5rem .85rem; border-radius: 999px;
  box-shadow: 0 3px 10px rgba(11,17,40,.18); transition: transform .15s;
}
.roh-promo-cta:hover { transform: translateY(-1px); }
.roh-promo-cta .arr { transition: transform .15s; }
.roh-promo-cta:hover .arr { transform: translateX(2px); }
.roh-promo-x {
  position: absolute; top: 8px; right: 8px; z-index: 1;
  width: 22px; height: 22px; display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.18); color: #fff; border: none; border-radius: 50%;
  font-size: .7rem; cursor: pointer; line-height: 1; transition: background .15s;
}
.roh-promo-x:hover { background: rgba(255,255,255,.34); }

@media (max-width: 420px) {
  .roh-promo { flex-wrap: wrap; }
  .roh-promo-cta { margin-left: 2.6rem; }
}

/* ---- Chat conversation (bot rows, bubbles, user bubble) ---- */
.roh-botrow { display: flex; align-items: flex-start; gap: .7rem; }
.roh-avatar {
  width: 38px; height: 38px; flex: none; border-radius: 50%;
  box-shadow: inset 0 0 0 2px rgba(240,168,48,.4), 0 3px 8px rgba(11,17,40,.18);
  position: relative; top: 0;
}
.roh-avatar .roh-face { width: 100%; height: 100%; }
.roh-bubbles { flex: 1; min-width: 0; display: flex; flex-direction: column; align-items: flex-start; gap: .5rem; }

.roh-bubble {
  max-width: 92%; align-self: flex-start;
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: 4px 16px 16px 16px; padding: .8rem 1rem;
  font-size: 1rem; line-height: 1.55; color: var(--ink);
  box-shadow: 0 1px 2px rgba(11,17,40,.04);
  animation: rohBubbleIn .32s cubic-bezier(.2,.7,.3,1) backwards;
}
.roh-bubble strong { color: var(--navy); font-weight: 700; }
@keyframes rohBubbleIn { from { opacity: 0; transform: translateY(8px) scale(.98) } to { opacity: 1; transform: none } }

/* user's typed message — right-aligned "sent" bubble */
.roh-user { display: flex; justify-content: flex-end; margin-bottom: .9rem; }
.roh-user-bubble {
  max-width: 80%; background: linear-gradient(135deg, var(--brand-2), var(--navy));
  color: #fff; font-size: .92rem; font-weight: 500;
  padding: .6rem .95rem; border-radius: 16px 16px 4px 16px;
  box-shadow: 0 3px 10px rgba(11,17,40,.22);
  animation: rohBubbleIn .3s ease backwards;
}

/* typing indicator, styled as a bot bubble */
.roh-typing { display: inline-flex; align-items: center; gap: 6px; padding: .9rem 1rem; }
.roh-typing span { width: 7px; height: 7px; border-radius: 50%; background: var(--ink-soft); animation: rohDot 1.1s ease-in-out infinite; }
.roh-typing span:nth-child(2) { animation-delay: .15s; }
.roh-typing span:nth-child(3) { animation-delay: .3s; }
@keyframes rohDot { 0%,60%,100% { opacity: .3; transform: translateY(0) } 30% { opacity: 1; transform: translateY(-3px) } }

/* links & cards sit in the chat column, full width under the bubbles */
.roh-bubbles .roh-links, .roh-bubbles .roh-cards { width: 100%; align-self: stretch; margin-top: .2rem; }

.roh-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: .7rem; margin-bottom: .3rem; }
.roh-card {
  position: relative; display: flex; flex-direction: column; gap: .3rem; text-align: left; cursor: pointer;
  background: #fff; border: 1.5px solid var(--line); border-radius: 14px; padding: 1rem 1.1rem;
  font-family: inherit; transition: border-color .15s, box-shadow .15s, transform .15s;
}
.roh-card:hover:not(:disabled) { border-color: var(--brand-2); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.roh-card:disabled { opacity: .45; cursor: default; }
.roh-card.has-badge { border-color: var(--gold); background: linear-gradient(180deg, #FFFBF2, #fff); }
.roh-card .ic { font-size: 1.5rem; }
.roh-card .ttl { font-weight: 700; font-size: .92rem; color: var(--ink); }
.roh-card .hint { font-size: .78rem; color: var(--ink-soft); line-height: 1.35; }
.roh-badge {
  position: absolute; top: -9px; right: 12px; background: var(--gold); color: var(--navy-dark);
  font-size: .68rem; font-weight: 700; letter-spacing: .02em; padding: .18rem .55rem; border-radius: 999px;
  box-shadow: 0 2px 6px rgba(11,17,40,.18); white-space: nowrap;
}

.roh-links { display: flex; flex-wrap: wrap; gap: .6rem; margin-bottom: .3rem; }
.roh-links a {
  display: inline-flex; align-items: center; gap: .4rem; background: var(--brand); color: #fff; text-decoration: none;
  font-size: .88rem; font-weight: 600; padding: .7rem 1.1rem; border-radius: 10px;
}
.roh-links a:hover { background: var(--brand-2); }

.roh-inputrow {
  display: flex; gap: .6rem; padding: .85rem 1.2rem; border-top: 1px solid var(--line);
  background: #fff; flex: none;
}
.roh-inputrow input {
  flex: 1; border: 1px solid var(--line); border-radius: 999px; padding: .65rem 1.1rem;
  font-size: .9rem; font-family: inherit; outline: none;
}
.roh-inputrow input:focus { border-color: var(--brand-2); }
.roh-send {
  width: 42px; height: 42px; border-radius: 50%; border: none; background: var(--brand);
  color: #fff; font-size: 1.05rem; cursor: pointer; flex: none;
}
.roh-send:hover { background: var(--brand-2); }

@media (max-width: 720px) {
  .roh-overlay { padding: 0 !important; align-items: flex-start; justify-content: flex-start; }
  .roh-modal { width: 100vw !important; height: 100vh !important; border-radius: 0 !important; max-height: 100vh; max-width: 100vw; position: fixed; left: 0; top: 0; }
  .roh-modal-body { max-height: calc(100vh - 130px); overflow-y: auto; }
  .roh-inputrow { flex-shrink: 0; position: relative; }
  .roh-cards { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  #rohiniWidget { right: 16px; bottom: 16px; width: auto; }
  .roh-teaser { display: none !important; }
  .roh-modal { width: 100vw !important; height: 100vh !important; margin: 0; }
  .roh-modal-head { padding: 0.8rem 1rem; font-size: 0.95rem; }
  .roh-modal-body { padding: 0.8rem 1rem; max-height: calc(100vh - 120px); font-size: 0.9rem; }
  .roh-inputrow { padding: 0.8rem 1rem; gap: 0.5rem; background: #fff; position: relative; }
  .roh-inputrow input { font-size: 16px; min-height: 44px; }
  .roh-send { min-width: 44px; min-height: 44px; }
  .roh-cards { grid-template-columns: 1fr; }
  .roh-bubble { font-size: 0.85rem; line-height: 1.4; }
}