@import url("https://fonts.googleapis.com/css2?family=Instrument+Sans:wght@400;500;600;700&display=swap");

/* ============================== TOKENS ============================== */
:root {
  --primary: #10453B;
  --primary-light: #1a6b5b;
  --primary-dark: #0a2e28;
  --accent: #e8794b;
  --accent-light: #f3a07c;
  --bg-soft: #f2f8f6;
  --bg-dark: #0a2e28;
  --border: #d9e5e1;
  --text: #142521;
  --text-muted: #5a6f69;
  --white: #ffffff;

  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 32px;

  --shadow-sm: 0 2px 8px rgba(10, 46, 40, 0.06);
  --shadow-md: 0 12px 30px rgba(10, 46, 40, 0.1);
  --shadow-lg: 0 24px 60px rgba(10, 46, 40, 0.18);

  --serif: "Instrument Sans", system-ui, -apple-system, sans-serif;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  font-family: "Instrument Sans", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
button,
input,
select,
textarea {
  font-family: inherit;
}
a {
  color: inherit;
  text-decoration: none;
}
ul {
  list-style: none;
}
img {
  max-width: 100%;
  display: block;
}

.wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}
.section {
  padding: 88px 0;
}
.section--soft {
  background: #f5f6f8;
}

/* Emphasis word — inherits the title color; gold only where a section opts in */
.emphasis {
  font-family: inherit;
  font-style: normal;
  font-weight: inherit;
  text-decoration: none;
}

/* Buttons */
.btn-accent,
.btn-primary,
.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 15px;
  border-radius: 999px; /* pill — matches the nav CTA */
  padding: 13px 24px;
  cursor: pointer;
  border: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-accent {
  background: var(--accent);
  color: var(--primary-dark);
}
.btn-accent:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-primary {
  background: var(--primary);
  color: #fff;
}
.btn-primary:hover {
  background: var(--primary-light);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--text);
}
.btn-outline:hover {
  border-color: var(--text);
}
/* Button icons sit in a small outlined circle (matches .icon-circle) */
.btn-accent svg,
.btn-primary svg,
.btn-outline svg {
  box-sizing: border-box;
  width: 30px;
  height: 30px;
  padding: 6px;
  border: 1.5px solid currentColor;
  border-radius: 50%;
  flex-shrink: 0;
}
/* Keep icon buttons the same height as text-only buttons */
.btn-accent:has(svg),
.btn-primary:has(svg),
.btn-outline:has(svg) {
  padding-top: 8px;
  padding-bottom: 8px;
  padding-right: 14px;
}

/* Section headers */
.sec-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}
.sec-head h2 {
  font-size: clamp(28px, 4.4vw, 42px);
  font-weight: 500;
  line-height: 1.1;
  letter-spacing: -1px;
}
.sec-head p {
  color: var(--text-muted);
  font-size: 17px;
  margin-top: 16px;
}

/* Brand markup (nav + footer) */
.brand-bold {
  font-weight: 700;
}
.brand-light {
  font-weight: 400;
  opacity: 0.85;
}
.brand-logo {
  height: 48px;
  width: auto;
}
.footer__brand .brand-logo {
  height: 54px;
}

/* ============================== NAV (floating pill) ============================== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 0;
  /* Top of page: fully transparent, full-width bar */
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.nav--scrolled {
  /* Sticky solid white bar on scroll */
  background: #fff;
  border-bottom-color: var(--border);
  box-shadow: var(--shadow-md);
}
.nav__inner {
  position: relative;
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  padding: 0 24px;
  background: transparent;
  border: none;
  border-radius: 0;
  box-shadow: none;
}
.nav__brand {
  font-size: 21px;
  letter-spacing: -0.3px;
  display: flex;
  gap: 5px;
  color: var(--primary);
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav__link {
  position: relative;
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  transition: color 0.15s ease;
  letter-spacing: 1px;
  padding-bottom: 4px;
}
/* Bottom border grows from left to right on hover; stays on the active page */
.nav__link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 100%;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.25s ease;
}
.nav__link:hover {
  color: var(--primary);
}
.nav__link:hover::after,
.nav__link--active::after {
  transform: scaleX(1);
}
.nav__link--active {
  color: var(--primary);
  font-weight: 600;
}
.nav__cta {
  background: var(--accent);
  color: var(--primary-dark);
  font-weight: 600;
  font-size: 15px;
  padding: 11px 22px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: background 0.15s ease, transform 0.15s ease;
}
.nav__cta:hover {
  background: var(--accent-light);
  transform: translateY(-1px);
}
.nav__cta-arrow {
  display: inline-flex;
}
/* Nav CTA icon in a circle, matching the site-wide button icon style */
.nav__cta svg {
  box-sizing: border-box;
  width: 26px;
  height: 26px;
  padding: 5px;
  border: 1.5px solid currentColor;
  border-radius: 50%;
  flex-shrink: 0;
}
.nav__cta {
  padding-top: 8px;
  padding-bottom: 8px;
}
.nav__cta--mobile {
  display: none;
}
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav__hamburger span {
  width: 24px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav__hamburger--open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.nav__hamburger--open span:nth-child(2) {
  opacity: 0;
}
.nav__hamburger--open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ============================== HERO ============================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(
      180deg,
      rgba(0, 0, 0, 0.3) 0%,
      rgba(255, 255, 255, 0) 47%
    ),
    linear-gradient(
      90deg,
      rgba(0, 0, 0, 0.85) 0%,
      rgba(0, 0, 0, 0.45) 55%,
      rgba(0, 0, 0, 0.15) 100%
    ),
    linear-gradient(135deg, #000 0%, #000 100%);
  background-size: cover;
  background-position: center;
  overflow: hidden;
  padding: 80px 0 120px;
}
.hero::before {
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 460px;
  height: 460px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 121, 75, 0.22), transparent 70%);
}
.hero__inner {
  width: 100%;
}
.hero__content {
  position: relative;
  z-index: 2;
  max-width: 600px;
  margin-right: auto;
  text-align: left;
}
.hero__title {
  color: #fff;
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -1px;
}
.hero__title .emphasis {
  color: var(--accent-light);
  text-decoration-color: var(--accent);
}
.hero__subtitle {
  color: rgba(255, 255, 255, 0.82);
  font-size: 18px;
  margin-top: 20px;
  max-width: 500px;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  padding: 7px 14px;
  border-radius: 100px;
  margin-bottom: 22px;
}
.hero__badge svg {
  color: var(--accent-light);
}

/* Floating quote bar */
.hero__quote-bar {
  position: absolute;
  left: 50%;
  bottom: 80px;
  transform: translateX(-50%);
  width: min(1280px, calc(100% - 48px));
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 24px 32px;
  display: flex;
  align-items: center;
  gap: 20px;
  z-index: 5;
}
.hero__quote-label {
  font-weight: 600;
  font-size: 15px;
  white-space: nowrap;
  color: var(--text);
}
.hero__quote-btns {
  display: flex;
  gap: 12px;
  flex: 1;
  flex-wrap: wrap;
}
.hero__quote-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid #bababa;
  border-radius: 100px;
  padding: 9px 16px;
  font-weight: 600;
  font-size: 14px;
  color: var(--text);
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.hero__quote-btn:hover {
  border-color: var(--accent);
  transform: translateY(-1px);
}
.hero__quote-btn-icon {
  display: inline-flex;
  color: var(--accent);
}
.hero__quote-btn-icon svg {
  width: 18px;
  height: 18px;
}
.hero__quote-btn-arrow {
  display: inline-flex;
  color: var(--text-muted);
}
.hero__quote-cta {
  white-space: nowrap;
}

/* ============================== HERO — v3 (light, centered, full-viewport) ============================== */
.hero.hero--v3 {
  min-height: 100vh;
  flex-direction: column;
  justify-content: center;
  /* Two-color (navy + gold) soft mix — radial, linear, radial, linear layered over a light base,
     with a stronger (~0.3) navy fade anchored at the bottom */
  background:
    linear-gradient(0deg, rgba(16, 69, 59, 0.20) 0%, rgba(16, 69, 59, 0.13) 16%, rgba(16, 69, 59, 0.06) 34%, rgba(16, 69, 59, 0.02) 52%, rgba(16, 69, 59, 0) 68%),
    radial-gradient(60% 55% at 18% 22%, rgba(16, 69, 59, 0.10) 0%, rgba(16, 69, 59, 0) 60%),
    linear-gradient(135deg, rgba(232, 121, 75, 0.10) 0%, rgba(232, 121, 75, 0) 48%),
    radial-gradient(55% 55% at 82% 30%, rgba(16, 69, 59, 0.08) 0%, rgba(16, 69, 59, 0) 58%),
    radial-gradient(78% 70% at 50% 50%, rgba(232, 121, 75, 0.30) 0%, rgba(232, 121, 75, 0.16) 38%, rgba(232, 121, 75, 0.06) 62%, rgba(232, 121, 75, 0) 85%),
    linear-gradient(180deg, #eff7f4 0%, #ffffff 52%, #e4f0ec 100%);
  padding: 84px 0 0;
  overflow: hidden;
}
.hero.hero--v3::before {
  display: none;
}
.hero--v3 .hero__inner {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero--v3 .hero__content {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}
.hero--v3 .hero__eyebrow {
  display: inline-block;
  color: var(--text);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero--v3 .hero__title {
  color: var(--text);
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -1px;
}
.hero--v3 .hero__title .emphasis {
  color: var(--text);
  text-decoration-color: var(--accent);
}
.hero--v3 .hero__subtitle {
  color: var(--text-muted);
  font-size: 19px;
  line-height: 1.6;
  margin: 22px auto 0;
  max-width: 560px;
}
.hero--v3 .hero__cta {
  margin-top: 36px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
}
.hero--v3 .hero__features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px 36px;
  margin-top: 44px;
}
.hero--v3 .hero__feature {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--text);
  font-size: 15px;
  font-weight: 500;
}
.hero--v3 .hero__feature svg {
  width: 18px;
  height: 18px;
  color: #10b981;
  flex-shrink: 0;
}
@media (max-width: 768px) {
  .hero--v3 .hero__features {
    gap: 12px 24px;
  }
}

/* ===================== HERO FLOATING CIRCLES ===================== */
@property --s {
  syntax: "<number>";
  inherits: false;
  initial-value: 1;
}
.hero__floaties {
  position: absolute;
  inset: 0;
  z-index: 1; /* above the gradient, below the centered content (z-index 2) */
  overflow: hidden;
  pointer-events: none; /* empty gaps don't block; circles re-enable below */
}
.floaty {
  position: absolute;
  border-radius: 50%;
  pointer-events: auto;
  opacity: 0; /* faded in on entrance via JS */
  background: transparent; /* no halo behind the see-through images */
  /* parallax (--px/--py, set per frame) composed with hover scale (--s) */
  transform: translate3d(var(--px, 0px), var(--py, 0px), 0) scale(var(--s, 1));
  transition: opacity 0.7s ease, --s 0.35s ease;
  cursor: pointer;
}
.floaty:hover {
  --s: 1.12;
  /* keep each circle's own resting opacity — never fully opaque */
}
.floaty__bob {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  overflow: hidden;
  animation: floatBob var(--dur, 9s) ease-in-out infinite;
}
.floaty__bob img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
@keyframes floatBob {
  0%,
  100% {
    transform: translate3d(0, 0, 0) rotate(0deg);
  }
  50% {
    transform: translate3d(var(--fx, 0px), var(--fy, -20px), 0)
      rotate(var(--rot, 3deg));
  }
}
@media (prefers-reduced-motion: reduce) {
  .floaty__bob {
    animation: none;
  }
}
@media (max-width: 768px) {
  .hero__floaties {
    display: none; /* keep mobile clean */
  }
}

/* ============================== COVERAGE BENTO ============================== */
.coverage {
  padding-top: 88px;
  background: var(--white); /* coverage section is always white */
}
.coverage > .wrap {
  max-width: 1200px;
}
/* Alternating card + image rows */
.coverage__grid {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.coverage__row {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 24px;
  align-items: stretch;
}
/* Flip the image to the left on every other row */
.coverage__row:nth-child(even) {
  grid-template-columns: 1fr 1.35fr;
}
.coverage__row:nth-child(even) .coverage__card--image {
  order: -1;
}
/* First row: square 350×350 image */
.coverage__row:first-child {
  grid-template-columns: 1fr 350px;
}
.coverage__row:first-child .coverage__card--image {
  width: 350px;
  height: 350px;
}
/* Each coverage row is opaque white so rows stack cleanly (fills the
   gap between the card and its image — no row showing through behind). */
.coverage__row {
  background: var(--white);
}
/* Stacking pile via GSAP pin + scrub (JS adds .coverage__grid--stack).
   The grid collapses to a one-row-tall stage; rows overlap and rise from
   below to stack on top of each other, while the whole section stays
   pinned so the heading + content stay visible. Everything releases
   together when the pin ends — no leftover empty scroll. */
.coverage__grid--stack {
  position: relative;
  height: 350px;
}
.coverage__grid--stack .coverage__row {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  transform-origin: center center;
  will-change: transform, opacity;
}
.coverage__grid--stack .coverage__card {
  box-shadow: var(--shadow-md);
}
.coverage__card {
  display: flex;
  flex-direction: column;
  border-radius: var(--r-lg);
  padding: 34px;
  min-height: 350px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.coverage__card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.coverage__card--accent {
  background: var(--accent);
  color: var(--primary-dark);
}
.coverage__card--primary {
  background: var(--primary);
  color: #fff;
}
.coverage__card--light {
  background: var(--bg-soft);
  color: var(--text);
  border: 1px solid var(--border);
}
.coverage__card--image {
  padding: 0;
  overflow: hidden;
  height: 350px;
  min-height: 0;
  align-self: start;
}
.coverage__card--image:hover {
  transform: none;
  box-shadow: none;
}
.coverage__card--image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  border-radius: var(--r-lg);
}
.coverage__card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: auto;
}
.coverage__card-icon {
  display: inline-flex;
  width: 52px;
  height: 52px;
  align-items: center;
  justify-content: center;
  border-radius: var(--r-md);
  background: rgba(255, 255, 255, 0.25);
}
.coverage__card--light .coverage__card-icon {
  background: #fff;
  color: var(--primary);
}
.coverage__card-tag {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  opacity: 0.75;
}
.coverage__card-content {
  margin-top: 28px;
}
.coverage__card-name {
  font-size: 24px;
  font-weight: 700;
  letter-spacing: -0.3px;
}
.coverage__card-desc {
  font-size: 15px;
  margin-top: 10px;
  opacity: 0.9;
  line-height: 1.6;
}
.coverage__card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 15px;
  margin-top: 22px;
}
.coverage__card-link svg {
  transition: transform 0.15s ease;
}
.coverage__card:hover .coverage__card-link svg {
  transform: translateX(4px);
}

/* ============================== STATS BAND ============================== */
.stats-band {
  padding: clamp(72px, 9vw, 120px) 0;
}
.stats-band__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(48px, 6vw, 96px);
  align-items: center;
}
.stats-band__content {
  color: var(--text);
}
.stats-band__label {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 1.4px;
  margin-bottom: 22px;
}
.stats-band__title {
  font-size: clamp(28px, 4.4vw, 42px);
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -1px;
  max-width: 20ch;
}
.stats-band__title em {
  font-style: italic;
  font-weight: 500;
}
.stats-band__hl {
  color: var(--accent);
}
.stats-band__subtitle {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.65;
  margin-top: 22px;
  max-width: 440px;
}
.stats-band__image {
  border-radius: var(--r-lg);
  overflow: hidden;
  background: #fff;
  justify-self: end;
}
.stats-band__image img {
  height: 450px;
  width: auto;
  object-fit: cover;
}
.stats-band__stats {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  margin-top: 36px;
  border-top: 1px solid var(--border);
}
.stats-band__stat {
  border-left: 1px solid var(--border);
  padding: 28px 42px;
  text-align: left;
}
.stats-band__stat:first-child {
  border-left: none;
  padding-left: 0;
}
.stats-band__stat-value {
  display: block;
  font-size: 34px;
  font-weight: 700;
  letter-spacing: -1px;
  color: var(--text);
  line-height: 1;
}
.stats-band__stat-label {
  display: block;
  font-size: 16px;
  font-weight: 500;
  color: var(--accent);
  margin-top: 10px;
  white-space: nowrap;
}

/* ============================== HOW IT WORKS ============================== */
.steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px 26px;
  text-align: center;
  position: relative;
}
.step-card__icon {
  display: inline-flex;
  color: var(--accent);
  margin-bottom: 20px;
}
.step-card__icon svg {
  width: 84px;
  height: 84px;
  stroke-width: 1.2;
  stroke-dasharray: 240;
  stroke-dashoffset: 240;
  animation: icon-draw 1.6s ease forwards;
  transition: transform 0.25s ease;
}
.step-card:hover .step-card__icon svg {
  transform: translateY(-4px) scale(1.06);
}
.step-card.anim-2 .step-card__icon svg {
  animation-delay: 0.15s;
}
.step-card.anim-3 .step-card__icon svg {
  animation-delay: 0.3s;
}
.step-card.anim-4 .step-card__icon svg {
  animation-delay: 0.45s;
}
@keyframes icon-draw {
  from {
    stroke-dashoffset: 240;
  }
  to {
    stroke-dashoffset: 0;
  }
}
.step-card__title {
  font-size: 19px;
  font-weight: 700;
  letter-spacing: -0.2px;
}
.step-card__desc {
  font-size: 15px;
  color: var(--text-muted);
  margin-top: 10px;
}
.how-it-works__cta {
  text-align: center;
  margin-top: 48px;
}

/* ============================== REVIEWS ============================== */
.reviews__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.review-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 24px;
  min-height: 250px;
  padding: 32px;
  border-radius: var(--r-lg);
  background: #fff;
  border: 1px solid var(--border);
}
.review-card--span2 {
  grid-column: span 2;
}
.review-card--accent {
  background: var(--accent);
  border-color: transparent;
  color: var(--primary-dark);
}
.review-card--dark {
  background: var(--primary);
  border-color: transparent;
  color: #fff;
}
.review-card--soft {
  background: var(--bg-soft);
  border: 1px solid var(--border);
}
.review-card__quote {
  font-size: 15px;
  line-height: 1.6;
  margin: 0;
}
.review-card--lg .review-card__quote {
  font-family: inherit;
  font-size: 24px;
  font-weight: 500;
  line-height: 1.2;
}
.review-card__author {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.review-card__name {
  font-family: inherit;
  font-size: 20px;
  font-weight: 500;
}
.review-card__role {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
}
.review-card--dark .review-card__role {
  color: rgba(255, 255, 255, 0.65);
}
.review-card--accent .review-card__role {
  color: rgba(10, 46, 40, 0.6);
}

/* ============================== FAQ ============================== */
.faq__list {
  max-width: 1140px;
  margin: 0 auto;
}
.faq__item {
  background: #f2f2f2;
  border-radius: 24px;
  margin-bottom: 12px;
  box-shadow: 0 1px 3px rgba(10, 46, 40, 0.05);
  overflow: hidden;
}
.faq__btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
}
.faq__question {
  font-size: 18px;
  font-weight: 600;
  color: var(--text);
}
.faq__toggle {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--primary-dark);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.25s ease, background 0.2s ease;
}
.faq__item--open .faq__toggle {
  transform: rotate(45deg);
  background: var(--accent);
  color: var(--primary-dark);
}
.faq__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq__body-inner {
  padding: 0 26px 24px;
  font-size: 15.5px;
  color: var(--text-muted);
  line-height: 1.75;
}

/* ============================== BOTTOM CTA ============================== */
/* X-large rounded card on a light smooth gradient; content sits at container width */
.bottom-cta {
  padding: 88px 0;
  background: var(--bg-soft);
}
.bottom-cta--default {
  background: var(--white);
}
/* Whole CTA card sized to the content container (1200px) */
.bottom-cta__card {
  max-width: 1200px;
  margin: 0 auto;
  border-radius: var(--r-xl);
  background: radial-gradient(
      140% 150% at 100% 0%,
      rgba(232, 121, 75, 0.3) 0%,
      rgba(232, 121, 75, 0) 55%
    ),
    linear-gradient(
      120deg,
      rgba(214, 238, 231, 0.85) 0%,
      rgba(214, 238, 231, 0) 50%
    ),
    radial-gradient(
      130% 150% at 0% 100%,
      rgba(232, 121, 75, 0.16) 0%,
      rgba(232, 121, 75, 0) 55%
    ),
    linear-gradient(135deg, #e8f4f0 0%, #ffffff 55%, #f1faf7 100%);
  box-shadow: var(--shadow-md);
  padding: clamp(32px, 4vw, 56px);
}
.bottom-cta__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 72px;
  align-items: center;
}
.bottom-cta__title {
  font-size: clamp(28px, 4.5vw, 42px);
  font-weight: 500;
  line-height: 1.1;
  letter-spacing: -0.8px;
  color: var(--text);
}
.bottom-cta__title .emphasis {
  color: var(--accent);
}
.bottom-cta__desc {
  color: var(--text-muted);
  font-size: 17px;
  margin: 20px 0 30px;
  max-width: 440px;
}
.bottom-cta__text {
  max-width: 540px;
}
/* Fixed 400x400 rounded image (right column) */
.bottom-cta__image {
  position: relative;
  width: 400px;
  height: 400px;
  max-width: 100%;
  justify-self: end;
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.bottom-cta__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.bottom-cta__image-fallback {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--primary);
  color: rgba(255, 255, 255, 0.25);
}
.bottom-cta__image-fallback svg {
  width: 120px;
  height: 120px;
}

/* ============================== PAGE HERO (sub-pages) ============================== */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #fff;
  padding: 140px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: "";
  position: absolute;
  left: -100px;
  bottom: -100px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 121, 75, 0.18), transparent 70%);
}
.page-hero h1 {
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 500;
  letter-spacing: -1px;
  position: relative;
  z-index: 2;
}
.page-hero p {
  color: rgba(255, 255, 255, 0.78);
  font-size: 18px;
  margin-top: 14px;
  position: relative;
  z-index: 2;
}
.crumb {
  font-size: 14px;
  color: var(--accent-light);
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: 14px;
  position: relative;
  z-index: 2;
}

/* ============================== ABOUT HERO (editorial) ============================== */
.about-hero {
  padding: 140px 0 80px;
  background: radial-gradient(
    70% 70% at 50% 50%,
    rgba(232, 121, 75, 0.16) 0%,
    rgba(232, 121, 75, 0.05) 42%,
    rgba(232, 121, 75, 0) 75%
  );
}
.about-hero--contact {
  padding: 180px 0 120px;
}
/* Centered hero variant (services, contact) — gold center glow with a soft fade to white at the bottom */
.about-hero--center {
  text-align: center;
  padding: 170px 0 96px;
  background:
    linear-gradient(180deg, rgba(0, 0, 0, 0) 70%, rgba(255, 255, 255, 0.6) 88%, rgba(255, 255, 255, 1) 100%),
    radial-gradient(circle at 50% 45%, rgba(232, 121, 75, 0.2) 0%, rgba(232, 121, 75, 0.06) 50%, rgba(232, 121, 75, 0) 75%);
}
/* Contact hero — tighter gap to the switcher below */
.about-hero--center.about-hero--contact {
  padding-bottom: 40px;
}
.about-hero--center .about-hero__title {
  margin: 0 auto;
}
.about-hero--center .about-hero__lead {
  margin-left: auto;
  margin-right: auto;
  max-width: 620px;
}
.about-hero__label {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 1.4px;
  margin-bottom: 22px;
}
.about-hero__title {
  font-size: clamp(34px, 5.4vw, 56px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -1.2px;
  max-width: 35ch;
}
.about-hero__title em {
  font-style: normal;
  font-weight: 700;
}
.about-hero__lead {
  margin-top: 24px;
  max-width: 620px;
  font-size: 18px;
  line-height: 1.6;
  color: var(--text-muted);
}
.about-hero__row {
  margin-top: clamp(48px, 6vw, 88px);
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(48px, 6vw, 96px);
  align-items: center;
}
.about-hero__main {
  display: flex;
  flex-direction: column;
}
.about-hero__pre {
  font-size: 22px;
  font-style: italic;
  color: var(--text);
}
.about-hero__name {
  font-size: clamp(24px, 2.4vw, 30px);
  font-weight: 600;
  letter-spacing: -0.5px;
  line-height: 1.1;
  margin-top: 2px;
}
.about-hero__role {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-top: 10px;
}
.about-hero__photo {
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--bg-soft);
  justify-self: end;
}
.about-hero__photo img {
  height: 450px;
  width: auto;
  object-fit: cover;
}
.about-hero__bio {
  margin-top: 22px;
}
.about-hero__bio p {
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-muted);
  max-width: 440px;
}

/* ============================== ABOUT INTRO ============================== */
.about-intro {
  padding: 150px 0 88px;
  background:
    radial-gradient(55% 65% at 50% 45%, rgba(232, 121, 75, 0.13) 0%, rgba(232, 121, 75, 0.04) 45%, rgba(232, 121, 75, 0) 72%),
    radial-gradient(45% 55% at 84% 16%, rgba(96, 186, 165, 0.16) 0%, rgba(96, 186, 165, 0) 70%),
    radial-gradient(40% 50% at 10% 80%, rgba(96, 186, 165, 0.12) 0%, rgba(96, 186, 165, 0) 70%);
}
.about-intro__grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.about-intro__media {
  position: relative;
}
/* Same slanted rounded-quad backdrop as .why__media::before, in the gold accent */
.about-intro__media::before {
  content: "";
  position: absolute;
  right: 5%;
  bottom: 0%;
  left: 0;
  height: 110%;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 700 600' preserveAspectRatio='none'%3E%3Cdefs%3E%3CclipPath id='s'%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z'/%3E%3C/clipPath%3E%3C/defs%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z' fill='%23e8794b'/%3E%3Cg clip-path='url(%23s)' fill='none' stroke='%23ffffff' stroke-opacity='0.22' stroke-width='2'%3E%3Cpath d='M0 130 C60 118 100 136 160 124 C225 111 265 92 335 96 C405 100 445 76 515 70 C575 65 615 55 700 48'/%3E%3Cpath d='M0 215 C60 203 100 221 160 209 C225 196 265 177 335 181 C405 185 445 161 515 155 C575 150 615 140 700 133'/%3E%3Cpath d='M0 300 C60 288 100 306 160 294 C225 281 265 262 335 266 C405 270 445 246 515 240 C575 235 615 225 700 218'/%3E%3Cpath d='M0 385 C60 373 100 391 160 379 C225 366 265 347 335 351 C405 355 445 331 515 325 C575 320 615 310 700 303'/%3E%3Cpath d='M0 470 C60 458 100 476 160 464 C225 451 265 432 335 436 C405 440 445 416 515 410 C575 405 615 395 700 388'/%3E%3Cpath d='M0 555 C60 543 100 561 160 549 C225 536 265 517 335 521 C405 525 445 501 515 495 C575 490 615 480 700 473'/%3E%3Cpath d='M0 640 C60 628 100 646 160 634 C225 621 265 602 335 606 C405 610 445 586 515 580 C575 575 615 565 700 558'/%3E%3C/g%3E%3C/svg%3E") center / 100% 100% no-repeat;
}
.about-intro__media img {
  position: relative;
  display: block;
  width: auto;
  max-width: 100%;
  max-height: 560px;
  margin: 0 auto;
  border-radius: 24px;
}
.about-intro__title {
  font-size: clamp(34px, 5.4vw, 56px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -1.2px;
}
.about-intro__title .emphasis {
  color: var(--accent);
}
.about-intro__bio {
  margin-top: 24px;
  max-width: 560px;
}
.about-intro__bio p {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.7;
  margin-top: 12px;
}
/* Remaining bio paragraphs — two columns on the same tracks as the grid
   above, so the right column lines up with the bio beside the photo */
.about-intro__extra {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  margin-top: clamp(32px, 4.5vw, 64px);
}
.about-intro__extra p {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.7;
}
.about-intro__extra[hidden] {
  display: none;
}
@media (max-width: 900px) {
  .about-intro__grid {
    grid-template-columns: 1fr;
  }
  .about-intro__media img {
    max-height: 420px;
  }
  .about-intro__extra {
    grid-template-columns: 1fr;
    gap: 14px;
    margin-top: 24px;
  }
}

/* ============================== ABOUT ============================== */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 56px;
  align-items: start;
}
.about-photo {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 4 / 5;
  background: var(--bg-soft);
  position: sticky;
  top: 96px;
}
.about-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.about-bio h2 {
  font-size: 30px;
  font-weight: 700;
  letter-spacing: -0.4px;
  margin-bottom: 6px;
}
.about-bio p {
  color: var(--text-muted);
  font-size: 16.5px;
  margin-top: 16px;
}
.about-info {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  margin-top: 36px;
  border-top: 1px solid var(--border);
}
.info-card {
  border-left: 1px solid var(--border);
  padding: 28px 42px;
  text-align: left;
}
.info-card:first-child {
  border-left: none;
  padding-left: 0;
}
.info-card__icon {
  display: none;
}
.info-card__value {
  display: block;
  font-size: 34px;
  font-weight: 700;
  letter-spacing: -1px;
  color: var(--text);
  line-height: 1;
}
.info-card__label {
  display: block;
  font-size: 16px;
  font-weight: 500;
  color: var(--accent);
  margin-top: 10px;
  white-space: nowrap;
}
.about-states-block {
  margin-top: 36px;
}
.about-states-block h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 14px;
}
.state-pills,
#about-states,
#contact-states {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.state-pill {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 7px 16px;
  font-weight: 600;
  font-size: 14px;
  color: var(--primary);
}

/* Carrier slider */
.carriers {
  overflow: hidden;
}
.carrier-slider {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(
    90deg,
    transparent,
    #000 8%,
    #000 92%,
    transparent
  );
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.carrier-track {
  display: flex;
  gap: 16px;
  width: max-content;
  animation: scrollX 32s linear infinite;
}
.carrier-track:hover {
  animation-play-state: paused;
}
.carrier-chip {
  white-space: nowrap;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 16px 28px;
  font-weight: 600;
  font-size: 15px;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}
@keyframes scrollX {
  from {
    transform: translateX(0);
  }
  to {
    transform: translateX(-50%);
  }
}

/* ============================== SERVICES ============================== */
.section.services-list {
  padding-top: 32px;
}
/* Service switcher tabs */
.service-switch__tabs {
  display: flex;
  width: fit-content;
  gap: 6px;
  padding: 6px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: #fff;
  margin: 0 auto clamp(32px, 4vw, 48px);
}
.service-switch__tab {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 11px 22px;
  border: none;
  border-radius: 999px;
  background: transparent;
  color: var(--text-muted);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease;
}
.service-switch__tab:hover {
  color: var(--text);
}
.service-switch__tab--active {
  background: var(--bg-soft);
  color: var(--text-muted);
}
.service-switch__tab-icon {
  display: inline-flex;
}
.service-switch__tab-icon svg {
  width: 18px;
  height: 18px;
}

.service-block {
  padding-bottom: 0;
  margin-bottom: 0;
  border-bottom: none;
}
.service-block__eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 1.4px;
  margin-bottom: 14px;
}
/* Header: title, description + quote button above the LOB grid */
.service-block__head {
  max-width: 720px;
  margin: 0 auto clamp(32px, 4vw, 48px);
  text-align: center;
}
.service-block__title {
  color: var(--text);
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 14px;
}
.service-block__lead {
  color: var(--text-muted);
  font-size: 16.5px;
  line-height: 1.65;
  margin-bottom: 28px;
}
.service-block__cta {
  display: inline-flex;
}
/* LOB grid — horizontal cards: icon badge + label on one line */
.policy-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 18px;
}
.policy-card {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  background: #fff;
  transition: border-color 0.15s ease, transform 0.15s ease,
    box-shadow 0.15s ease;
}
.policy-card:hover {
  border-color: var(--accent);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.policy-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: rgba(232, 121, 75, 0.12);
  color: var(--accent);
  flex-shrink: 0;
}
.policy-card__icon svg {
  width: 24px;
  height: 24px;
}
.policy-card__name {
  font-weight: 600;
  font-size: 16px;
  color: var(--text);
}

/* ============================== CONTACT ============================== */
.contact-hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 56px;
  align-items: center;
}
.quote-widget {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
/* Contact page — switcher stands alone as a centered block (wireframe) */
.section.quote-section {
  padding-top: 24px;
}
.quote-widget-wrap {
  position: relative;
  max-width: 760px;
  margin: 0 auto;
}
/* Scribble accent — same emphasis strokes as the home hero slider */
.quote-scribble {
  position: absolute;
  top: -58px;
  right: -34px;
  color: var(--accent);
  z-index: 1;
}
.quote-scribble svg {
  display: block;
  width: 66px;
  height: auto;
}
.quote-widget--center {
  max-width: 760px;
  margin: 0 auto;
}
.contact-details {
  padding-top: 40px;
}
.contact-details__grid {
  display: grid;
  grid-template-columns: 0.9fr 2.9fr;
  gap: 24px;
  align-items: center;
}
.contact-details__intro h2 {
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -0.8px;
}
.contact-details__intro p {
  color: var(--text-muted);
  font-size: 15.5px;
  line-height: 1.65;
  margin-top: 14px;
  max-width: 260px;
}
.contact-info-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 1024px) {
  .contact-details__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .contact-details__intro p {
    max-width: none;
  }
}
.contact-extra {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}
.quote-tabs {
  display: flex;
  border-bottom: 1px solid var(--border);
}
.quote-tab {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 28px;
  background: var(--bg-soft);
  border: none;
  cursor: pointer;
  font-weight: 600;
  font-size: 18px;
  color: var(--text-muted);
  transition: background 0.15s ease, color 0.15s ease;
}
.quote-tab span {
  display: inline-flex;
}
.quote-tab svg {
  width: 26px;
  height: 26px;
}
.quote-tab--active {
  background: #fff;
  color: var(--primary);
  box-shadow: inset 0 -3px 0 var(--accent);
}
.quote-panel {
  padding: 54px 100px;
  text-align: center;
}
.quote-panel__title {
  font-size: 28px;
  font-weight: 700;
  text-align: center;
}
.quote-panel__desc {
  color: var(--text-muted);
  font-size: 15.5px;
  margin-top: 8px;
}
.quote-panel__list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 22px 0 26px;
}
.quote-panel__list li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14.5px;
  font-weight: 500;
}
.quote-panel__list svg {
  color: var(--accent);
  flex-shrink: 0;
}
.quote-panel__cta {
  width: fit-content;
  justify-content: center;
  margin-top: 24px;
}
.quote-panel__note {
  text-align: center;
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 14px;
}
.contact-side > * + * {
  margin-top: 24px;
}
.contact-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  gap: 18px;
  background: #fdf1ea;
  border: none;
  border-radius: var(--r-lg);
  padding: 36px 30px;
}
.contact-card .contact-card__icon {
  flex-shrink: 0;
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: center;
}
.contact-card .contact-card__icon svg {
  width: 40px;
  height: 40px;
}
.contact-card__label {
  display: block;
  font-size: 22px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}
.contact-card a,
.contact-card span {
  font-weight: 500;
  font-size: 15.5px;
  color: var(--text-muted);
}
.contact-panel {
  background: #fdf1ea;
  border: none;
  border-radius: var(--r-lg);
  padding: 36px 30px;
}
.contact-panel h3 {
  font-size: 22px;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
}
.contact-panel h3 svg {
  color: var(--accent);
}
.hours-row {
  display: flex;
  justify-content: space-between;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.hours-row:last-child {
  border-bottom: none;
}
.hours-row span:first-child {
  color: var(--text-muted);
}
.hours-row span:last-child {
  font-weight: 600;
}
.hours-closed {
  color: var(--text-muted) !important;
  font-weight: 500 !important;
}

/* ============================== FOOTER ============================== */
/* Dark footer; the top strip stays transparent so the gold newsletter band
   straddles the page/footer boundary */
.footer {
  background: linear-gradient(180deg, rgba(0, 0, 0, 0) 0, rgba(0, 0, 0, 0) 130px, #1e1f28 130px);
  color: #fff;
  padding: 40px 0 0;
}
/* --- Newsletter band --- */
.newsletter {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  align-items: center;
  border-radius: var(--r-xl);
  padding: 60px;
  color: var(--text);
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='640' height='640' viewBox='0 0 640 640'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.09' stroke-width='26' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M60 140 L160 60 L120 170 L230 90'/%3E%3Cpath d='M420 40 L540 90 L450 150'/%3E%3Cpath d='M80 420 L180 350 L150 470 L260 400'/%3E%3Cpath d='M430 340 L560 300 L500 430 L620 390'/%3E%3Cpath d='M300 560 L380 500 L360 610'/%3E%3Cpath d='M540 540 Q600 500 620 560'/%3E%3C/g%3E%3C/svg%3E"),
    radial-gradient(110% 140% at 85% 10%, rgba(255, 255, 255, 0.25) 0%, rgba(255, 255, 255, 0) 55%),
    linear-gradient(120deg, var(--accent) 0%, #cf5f33 100%);
}
.newsletter__title {
  font-size: clamp(32px, 4vw, 46px);
  font-weight: 800;
  letter-spacing: -1px;
  line-height: 1.15;
}
.newsletter__sub {
  font-size: 18px;
  font-weight: 600;
  margin-top: 12px;
  max-width: 460px;
}
.newsletter__cta {
  margin-top: 28px;
}
.newsletter__media img {
  position: absolute;
  right: 80px;
  bottom: 0;
  height: calc(100% + 44px);
  width: auto;
  max-width: none;
}
/* --- Brand + nav row --- */
.footer__nav-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 64px;
}
.footer__nav-col {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 18px;
  padding-top: 6px;
}
.footer__brand-col {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
}
.footer__brand {
  font-size: 22px;
  color: #fff;
  display: flex;
  gap: 5px;
}
.footer__contact {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__contact-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 15px;
  font-weight: 500;
}
.footer__contact-item svg {
  flex-shrink: 0;
  color: var(--accent);
}
a.footer__contact-item {
  transition: color 0.15s ease;
}
a.footer__contact-item:hover {
  color: var(--accent);
}
.footer__nav {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}
.footer__nav-link {
  color: rgba(255, 255, 255, 0.85);
  font-size: 18px;
  font-weight: 500;
  transition: color 0.15s ease;
}
.footer__nav-link:hover {
  color: var(--accent);
}
/* --- Bottom row --- */
.footer__socials {
  display: flex;
  gap: 10px;
}
.footer__social {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent);
  border: none;
  color: var(--primary-dark);
  transition: background 0.15s ease, transform 0.15s ease;
}
.footer__social:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
}
.footer__divider {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  margin: 44px 0 0;
}
.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 32px 24px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.75);
  flex-wrap: wrap;
  gap: 12px;
}

/* ============================== ANIMATIONS ============================== */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.anim-1,
.anim-2,
.anim-3,
.anim-4,
.anim-5,
.anim-6 {
  animation: fadeUp 0.6s ease both;
}
.anim-2 {
  animation-delay: 0.08s;
}
.anim-3 {
  animation-delay: 0.16s;
}
.anim-4 {
  animation-delay: 0.24s;
}
.anim-5 {
  animation-delay: 0.32s;
}
.anim-6 {
  animation-delay: 0.4s;
}

/* ============================== RESPONSIVE ============================== */
@media (max-width: 900px) {
  .section,
  .stats-band,
  .bottom-cta {
    padding: 64px 0;
  }
  .hero {
    flex-direction: column;
    justify-content: center;
    min-height: 0;
    padding: 100px 0 64px;
  }
  .hero__content {
    max-width: 100%;
  }
  .hero__quote-bar {
    position: static;
    transform: none;
    width: calc(100% - 48px);
    margin: 36px auto 0;
    flex-direction: column;
    align-items: stretch;
    gap: 16px;
  }
  .hero__quote-btns {
    flex: none;
  }
  .hero__quote-cta {
    justify-content: center;
  }
  .coverage__row,
  .coverage__row:nth-child(even) {
    grid-template-columns: 1.1fr 1fr;
  }
  .coverage__card {
    padding: 28px;
    min-height: 260px;
  }
  .stats-band__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .stats-band__image {
    justify-self: start;
  }
  .stats-band__stats {
    flex-direction: column;
  }
  .stats-band__stat {
    border-left: none;
    border-top: 1px solid var(--border);
    padding: 20px 0;
  }
  .stats-band__stat:first-child {
    border-top: none;
  }
  .steps__grid {
    grid-template-columns: 1fr 1fr;
  }
  .reviews__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .about-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .about-hero__row {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .policy-grid {
    grid-template-columns: 1fr;
  }
  .about-hero__photo {
    justify-self: start;
    order: -1;
  }
  .about-photo {
    position: static;
    max-width: 420px;
  }
  .contact-hero__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .contact-info-row {
    grid-template-columns: 1fr 1fr;
  }
  .contact-extra {
    grid-template-columns: 1fr;
  }
  .bottom-cta__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .bottom-cta__image {
    width: 100%;
    height: auto;
    max-width: 400px;
    aspect-ratio: 1 / 1;
    justify-self: start;
  }
  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav__brand {
    position: static;
    transform: none;
  }
  .nav__links {
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    right: 0;
    transform: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-md);
    padding: 8px 24px 16px;
    display: none;
  }
  .nav__links--open {
    display: flex;
  }
  .nav__link {
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    color: var(--text-muted);
  }
  .nav__link--active {
    color: var(--primary);
  }
  .nav__cta--mobile {
    display: inline-flex;
    justify-content: center;
    margin-top: 14px;
  }
  .nav > .nav__inner .nav__cta:not(.nav__cta--mobile) {
    display: none;
  }
  .nav__hamburger {
    display: flex;
  }
  /* Stack card over image on mobile; card always first */
  .coverage__row,
  .coverage__row:nth-child(even),
  .coverage__row:first-child {
    grid-template-columns: 1fr;
  }
  .coverage__row:nth-child(even) .coverage__card--image {
    order: 0;
  }
  .coverage__card--image,
  .coverage__row:first-child .coverage__card--image {
    width: 100%;
    height: 350px;
  }
  .about-info {
    flex-direction: column;
  }
  .info-card {
    border-left: none;
    border-top: 1px solid var(--border);
    padding: 20px 0;
  }
  .info-card:first-child {
    border-top: none;
  }
  .policy-grid {
    grid-template-columns: 1fr;
  }
  .contact-info-row {
    grid-template-columns: 1fr;
  }
  .quote-panel {
    padding: 54px 10px;
    text-align: center;
  }
  .quote-panel__list {
    grid-template-columns: 1fr;
  }
  /* Services switcher: stack the pill tabs full-width on mobile */
  .service-switch__tabs {
    width: 100%;
    max-width: 420px;
    flex-direction: column;
    border-radius: 24px;
  }
  .service-switch__tab {
    width: 100%;
    justify-content: center;
    padding: 13px 22px;
  }
}

/* Four quote tabs no longer fit side-by-side with the icon inline and 28px
   side padding — stack the icon over the label and let the tabs shrink. */
@media (max-width: 768px) {
  .quote-tab {
    flex-direction: column;
    gap: 4px;
    font-size: 13.5px;
    padding: 18px 8px;
    min-width: 0;
  }
}

@media (max-width: 480px) {
  .wrap {
    padding: 0 18px;
  }
  .steps__grid {
    grid-template-columns: 1fr;
  }
  .reviews__grid {
    grid-template-columns: 1fr;
  }
  .review-card--span2 {
    grid-column: span 1;
  }
  .footer__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .stats-band__row {
    gap: 24px;
  }
  .quote-tab {
    flex-direction: column;
    gap: 4px;
    font-size: 13px;
    /* Four tabs share this row — the base 28px side padding no longer fits */
    padding: 16px 6px;
  }
}

/* Phone widths: four tabs across leaves ~70px each and clips "Commercial",
   so wrap them 2x2 instead. */
@media (max-width: 430px) {
  .quote-tabs {
    flex-wrap: wrap;
  }
  .quote-tab {
    flex: 1 0 50%;
    padding: 16px 10px;
  }
}

/* ============================== V4 HOME — reference-layout refresh ============================== */

/* --- HERO v4: centered title over a wide rounded media card --- */
.hero.hero--v4 {
  display: block;
  min-height: 0;
  padding: 150px 0 90px;
  overflow: hidden;
  background:
    linear-gradient(0deg, rgba(16, 69, 59, 0.06) 0%, rgba(16, 69, 59, 0) 40%),
    /* Secondary (gold) glow — centered, soft and full-width, 0.1 opacity */
    radial-gradient(120% 90% at 50% 45%, rgba(232, 121, 75, 0.1) 0%, rgba(232, 121, 75, 0.05) 55%, rgba(232, 121, 75, 0) 80%),
    linear-gradient(180deg, #eff7f4 0%, #ffffff 70%);
}
.hero.hero--v4::before {
  display: none;
}
.hero--v4 .hero__content {
  max-width: 960px;
  margin: 0 auto;
  text-align: center;
}
.hero--v4 .hero__title {
  color: var(--text);
  font-size: clamp(34px, 5.4vw, 56px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -1.2px;
}
.hero--v4 .hero__title .emphasis {
  color: var(--text);
}
@media (max-width: 640px) {
  .hero--v4 .hero__title br {
    display: none;
  }
}
.hero--v4 .hero__subtitle {
  color: var(--text-muted);
  font-size: 18px;
  line-height: 1.6;
  margin: 20px auto 0;
  max-width: 620px;
}
.hero__media-wrap {
  position: relative;
  max-width: 960px;
  margin: 52px auto 0;
}
/* Scribble accent — orange emphasis strokes bursting from the slider's
   top-right corner, matching the reference mark */
.hero__scribble {
  position: absolute;
  top: -62px;
  right: -34px;
  color: #e8794b;
  z-index: 1;
}
.hero__scribble svg {
  display: block;
  width: 66px;
  height: auto;
}
.hero--v4 .hero__media {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero--v4 .hero__media img {
  width: 100%;
  height: 500px;
  object-fit: cover;
}
/* Slide-change reveal: the incoming image wipes in over the previous one,
   direction-aware (next wipes from the right, prev from the left). */
@keyframes hero-reveal-right {
  from {
    clip-path: inset(0 0 0 100%);
    transform: scale(1.08);
  }
  to {
    clip-path: inset(0 0 0 0);
    transform: scale(1);
  }
}
@keyframes hero-reveal-left {
  from {
    clip-path: inset(0 100% 0 0);
    transform: scale(1.08);
  }
  to {
    clip-path: inset(0 0 0 0);
    transform: scale(1);
  }
}
.hero__media-img--reveal-right {
  animation: hero-reveal-right 0.7s cubic-bezier(0.33, 1, 0.68, 1);
}
.hero__media-img--reveal-left {
  animation: hero-reveal-left 0.7s cubic-bezier(0.33, 1, 0.68, 1);
}
.hero__media-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 2;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: none;
  background: rgba(255, 255, 255, 0.9);
  color: var(--primary-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: background 0.15s ease, transform 0.15s ease;
}
.hero__media-arrow:hover {
  background: var(--accent);
  transform: translateY(-50%) scale(1.06);
}
.hero__media-arrow--prev {
  left: 18px;
}
.hero__media-arrow--next {
  right: 18px;
}

/* --- FEATURED PLANS: intro stacked on top, cards in one full-width row --- */
.plans__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 44px;
}
/* Hold the intro copy to a readable measure even though the row below is full width */
.plans__intro {
  max-width: 480px;
}
.plans__intro h2 {
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -0.8px;
}
.plans__intro p {
  color: var(--text);
  font-size: 15.5px;
  margin-top: 16px;
}
.plans__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 22px;
  font-weight: 600;
  font-size: 15px;
  color: var(--text);
  transition: gap 0.15s ease, color 0.15s ease;
}
.plans__link:hover,
.plans__link:active {
  gap: 12px;
  color: var(--primary);
}
.plans__cards {
  display: grid;
  /* One card per coverage category, all four across a single row */
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.plan-card {
  display: flex;
  flex-direction: column;
  min-height: 420px;
  padding: 26px 24px;
  border-radius: var(--r-md);
  border: 1px solid var(--border);
  background: #fff;
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.plan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.plan-card__tag {
  align-self: flex-start;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  background: rgba(10, 46, 40, 0.08);
}
.plan-card__name {
  font-size: 20px;
  font-weight: 700;
  letter-spacing: -0.3px;
  margin-top: 18px;
}
.plan-card__desc {
  font-size: 14px;
  line-height: 1.6;
  margin-top: 10px;
  opacity: 0.82;
}
.plan-card__meta {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  padding-top: 22px;
  font-size: 14px;
  font-weight: 600;
  border-top: 1px solid rgba(10, 46, 40, 0.12);
}
.plan-card__meta strong {
  font-size: 22px;
  font-weight: 700;
}

/* Circular arrow-link icon (plan cards + section links) */
.icon-circle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1.5px solid currentColor;
  flex-shrink: 0;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease,
    transform 0.15s ease;
}
.plan-card__meta .icon-circle {
  margin-left: auto;
}
.plan-card:hover .icon-circle,
.plans__link:hover .icon-circle {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--primary-dark);
  transform: rotate(45deg);
}
.plans__link .icon-circle {
  width: 30px;
  height: 30px;
}
.plan-card--dark {
  background: var(--primary);
  border-color: transparent;
  color: #fff;
}
.plan-card--dark .plan-card__tag {
  background: rgba(255, 255, 255, 0.14);
}
.plan-card--dark .plan-card__meta {
  border-top-color: rgba(255, 255, 255, 0.2);
}
.plan-card--gold {
  background: #fbe3d7;
  border-color: transparent;
  color: var(--primary-dark);
}
.plan-card--gold .plan-card__tag {
  background: rgba(232, 121, 75, 0.28);
}
.plan-card--soft {
  background: var(--bg-soft);
  border-color: transparent;
  color: var(--text);
}

/* --- PROTECTION SPLIT --- */
.section.protect {
  padding-bottom: 48px;
}
.protect__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: center;
}
/* The house artwork ships with its own yellow rounded card + arc rings,
   so the media wrapper stays transparent and uncropped. */
.protect__media {
  position: relative;
}
/* Same slanted rounded-quad backdrop as .why__media::before, in the gold accent,
   with wavy ripple lines sweeping from the top-left (like the reference artwork) */
.protect__media::before {
  content: "";
  position: absolute;
  right: 5%;
  bottom: 0;
  left: 0;
  height: 110%;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 700 600' preserveAspectRatio='none'%3E%3Cdefs%3E%3CclipPath id='s'%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z'/%3E%3C/clipPath%3E%3C/defs%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z' fill='%23e8794b'/%3E%3Cg clip-path='url(%23s)' fill='none' stroke='%23ffffff' stroke-opacity='0.22' stroke-width='2'%3E%3Cpath d='M0 130 C60 118 100 136 160 124 C225 111 265 92 335 96 C405 100 445 76 515 70 C575 65 615 55 700 48'/%3E%3Cpath d='M0 215 C60 203 100 221 160 209 C225 196 265 177 335 181 C405 185 445 161 515 155 C575 150 615 140 700 133'/%3E%3Cpath d='M0 300 C60 288 100 306 160 294 C225 281 265 262 335 266 C405 270 445 246 515 240 C575 235 615 225 700 218'/%3E%3Cpath d='M0 385 C60 373 100 391 160 379 C225 366 265 347 335 351 C405 355 445 331 515 325 C575 320 615 310 700 303'/%3E%3Cpath d='M0 470 C60 458 100 476 160 464 C225 451 265 432 335 436 C405 440 445 416 515 410 C575 405 615 395 700 388'/%3E%3Cpath d='M0 555 C60 543 100 561 160 549 C225 536 265 517 335 521 C405 525 445 501 515 495 C575 490 615 480 700 473'/%3E%3Cpath d='M0 640 C60 628 100 646 160 634 C225 621 265 602 335 606 C405 610 445 586 515 580 C575 575 615 565 700 558'/%3E%3C/g%3E%3C/svg%3E") center / 100% 100% no-repeat;
}
/* Transparent cutout overflows the bg shape, like the reference artwork */
.protect__media img {
  position: relative;
  width: 100%;
  height: auto;
  border-radius: 24px;
}
.protect__content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}
.protect__content h2 {
  font-size: clamp(26px, 3.6vw, 38px);
  font-weight: 500;
  line-height: 1.12;
  letter-spacing: -0.8px;
}
.protect__content p {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.7;
  margin-top: 20px;
  max-width: 80%;
}
@media (max-width: 640px) {
  .protect__content {
    align-items: flex-start;
  }
  .protect__content h2 br {
    display: none;
  }
  .protect__content p {
    max-width: none;
  }
  .protect__cta {
    justify-content: flex-start;
  }
}
.protect__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
  justify-content: flex-start;
}

/* --- NUMBERED FEATURE STRIP + EXPERIENCE CARD --- */
.feature-strip__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr) 200px;
  gap: 28px;
  align-items: stretch;
}
.feature-num__badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  background: var(--accent);
  color: var(--primary-dark);
  font-size: 15px;
  font-weight: 700;
}
.feature-num__title {
  font-size: 17px;
  font-weight: 700;
  letter-spacing: -0.2px;
  margin-top: 16px;
}
.feature-num__desc {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-top: 8px;
}
.xp-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  text-align: left;
  gap: 6px;
  text-align: center;
  padding: 24px 18px;
  border-radius: var(--r-md);
  background: var(--primary);
  color: #fff;
}
.xp-card__value {
  font-size: 40px;
  font-weight: 700;
  letter-spacing: -1px;
  color: var(--accent);
}
.xp-card__label {
  font-size: 14px;
  font-weight: 600;
}

/* --- SAVING CTA BAND --- */
.save-band-wrap {
  padding: 130px 0 44px;
}
.save-band {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  align-items: stretch;
  border-radius: var(--r-xl);
  /* Top layer: sparse hand-drawn zigzag doodles, faint white over the gold gradient */
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='640' height='640' viewBox='0 0 640 640'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.09' stroke-width='26' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M60 140 L160 60 L120 170 L230 90'/%3E%3Cpath d='M420 40 L540 90 L450 150'/%3E%3Cpath d='M80 420 L180 350 L150 470 L260 400'/%3E%3Cpath d='M430 340 L560 300 L500 430 L620 390'/%3E%3Cpath d='M300 560 L380 500 L360 610'/%3E%3Cpath d='M540 540 Q600 500 620 560'/%3E%3C/g%3E%3C/svg%3E"),
    radial-gradient(110% 140% at 85% 10%, rgba(255, 255, 255, 0.25) 0%, rgba(255, 255, 255, 0) 55%),
    linear-gradient(120deg, var(--accent) 0%, #cf5f33 100%);
  color: var(--primary-dark);
}
.save-band__text {
  padding: 56px 24px 56px 56px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
}
.save-band__title {
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 700;
  letter-spacing: -1px;
  line-height: 1.2;
}
.save-band__lead {
  font-size: 24px;
  font-weight: 600;
  margin-top: 14px;
  max-width: 70%;
}
.save-band__note {
  font-size: 18px;
  margin-top: 10px;
  max-width: 440px;
  opacity: 0.85;
}
.save-band__text .btn-primary {
  margin-top: 28px;
}
.save-band__media {
  position: relative;
  min-height: 340px;
}
/* Transparent PNG sits on the band's bottom edge and overflows above its top */
.save-band__media img {
  position: absolute;
  bottom: 0;
  right: 140px;
  height: calc(100% + 110px);
  min-height: 550px;
  width: auto;
  max-width: none;
}

/* --- WHY CHOOSE: media + accordion --- */
.why__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 56px;
  align-items: start;
}
.why__media {
  position: relative;
}
/* Gold accent bg shape behind the team cutout: rounded quad with a slanted top
   edge (top-left high, sloping down to the right) and flowing wave lines,
   drawn as one SVG so the irregular outline keeps rounded corners */
.why__media::before {
  content: "";
  position: absolute;
  right: 5%;
  bottom: 0;
  left: 0;
  height: 110%;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 700 600' preserveAspectRatio='none'%3E%3Cdefs%3E%3CclipPath id='s'%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z'/%3E%3C/clipPath%3E%3C/defs%3E%3Cpath d='M0 100 L0 560 Q0 600 40 600 L660 600 Q700 600 700 560 L700 190 Q700 150 660 145 L40 65 Q0 60 0 100 Z' fill='%23e8794b'/%3E%3Cg clip-path='url(%23s)' fill='none' stroke='%23ffffff' stroke-opacity='0.22' stroke-width='2'%3E%3Cpath d='M0 130 C60 118 100 136 160 124 C225 111 265 92 335 96 C405 100 445 76 515 70 C575 65 615 55 700 48'/%3E%3Cpath d='M0 215 C60 203 100 221 160 209 C225 196 265 177 335 181 C405 185 445 161 515 155 C575 150 615 140 700 133'/%3E%3Cpath d='M0 300 C60 288 100 306 160 294 C225 281 265 262 335 266 C405 270 445 246 515 240 C575 235 615 225 700 218'/%3E%3Cpath d='M0 385 C60 373 100 391 160 379 C225 366 265 347 335 351 C405 355 445 331 515 325 C575 320 615 310 700 303'/%3E%3Cpath d='M0 470 C60 458 100 476 160 464 C225 451 265 432 335 436 C405 440 445 416 515 410 C575 405 615 395 700 388'/%3E%3Cpath d='M0 555 C60 543 100 561 160 549 C225 536 265 517 335 521 C405 525 445 501 515 495 C575 490 615 480 700 473'/%3E%3Cpath d='M0 640 C60 628 100 646 160 634 C225 621 265 602 335 606 C405 610 445 586 515 580 C575 575 615 565 700 558'/%3E%3C/g%3E%3C/svg%3E") center / 100% 100% no-repeat;
}
/* Transparent cutout overflows the bg shape, like the reference artwork */
.why__media img {
  position: relative;
  width: 100%;
  height: auto;
  border-radius: 24px;
}
.why__acc .faq__item {
  background: #f2f2f2;
  border-radius: 24px;
}
.why__acc .faq__btn {
  padding: 18px 22px;
}
.why__acc .faq__question {
  font-size: 20px;
}
.why__acc .faq__toggle {
  width: 42px;
  height: 42px;
  font-size: 26px;
  font-weight: 400;
  line-height: 1;
}
.why__acc .faq__toggle svg {
  width: 22px;
  height: 22px;
}
.why__more {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  font-weight: 600;
  font-size: 15px;
  color: var(--text);
  transition: gap 0.15s ease, color 0.15s ease;
}
.why__more:hover {
  gap: 12px;
  color: var(--primary);
}
.why__more .icon-circle {
  width: 30px;
  height: 30px;
}
.why__more:hover .icon-circle {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--primary-dark);
  transform: rotate(45deg);
}

/* --- STAT CHIPS --- */
.stat-cards {
  padding-top: 0;
}
.stat-cards__row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
/* Icon tile left, value stacked over label right */
.stat-chip {
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-rows: auto auto;
  column-gap: 20px;
  align-content: center;
  padding: 24px 28px;
  border-radius: 20px;
  border: 1px solid rgba(217, 229, 225, 0.5);
  background: #fff;
}
.stat-chip__icon {
  grid-row: 1 / 3;
  align-self: center;
  width: 76px;
  height: 76px;
  border-radius: 18px;
  background: rgba(232, 121, 75, 0.14);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
}
.stat-chip__icon svg {
  width: 38px;
  height: 38px;
}
.stat-chip__value {
  align-self: end;
  font-size: 34px;
  font-weight: 800;
  letter-spacing: -0.5px;
  line-height: 1.1;
  color: var(--primary-dark);
}
.stat-chip__label {
  align-self: start;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-muted);
  margin-top: 6px;
}

/* --- 3 STEPS BAND (full-bleed navy) --- */
.steps-band {
  padding: 96px 0;
  background: #06211c;
}
.sec-head--dark h2 {
  color: #fff;
}
.sec-head--dark h2 .emphasis {
  color: inherit;
}
.sec-head--dark p {
  color: rgba(255, 255, 255, 0.72);
}
.steps-band .step-card {
  border-color: transparent;
}
.steps-band__cta {
  text-align: center;
  margin-top: 48px;
}

/* --- TESTIMONIALS (centered single-quote stage) --- */
.testi__stage {
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
}
.testi__item {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.testi__avatar {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--primary-dark);
  font-size: 24px;
  font-weight: 700;
  box-shadow: 0 0 0 6px rgba(232, 121, 75, 0.2);
  margin-bottom: 30px;
}
.testi__quote {
  font-size: clamp(18px, 2.4vw, 24px);
  font-weight: 500;
  line-height: 1.5;
  letter-spacing: -0.3px;
  color: var(--text);
}
.testi__name {
  margin-top: 24px;
  font-size: 17px;
  font-weight: 700;
  color: var(--accent);
}
.testi__role {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  margin-top: 2px;
}
.testi__dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}
.testi__dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  border: none;
  background: var(--border);
  cursor: pointer;
  transition: background 0.15s ease, transform 0.15s ease;
}
.testi__dot--active {
  background: var(--accent);
  transform: scale(1.2);
}

/* --- FAQ SPLIT CARD --- */
.faq--split .faq__list {
  max-width: none;
}
.faq-split__card {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 56px;
  border-radius: var(--r-xl);
  background: #fdf1ea;
  padding: 56px;
}
.faq--split .faq__item {
  background: #fff;
}
.faq-split__info h2 {
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 500;
  line-height: 1.12;
  letter-spacing: -0.8px;
}
.faq-split__info p {
  color: var(--text-muted);
  font-size: 15.5px;
  margin-top: 14px;
}
.faq-split__media {
  margin-top: 28px;
  border-radius: var(--r-lg);
  overflow: hidden;
}
.faq-split__media img {
  width: 100%;
  aspect-ratio: 1 / 1.05;
  object-fit: cover;
  object-position: center;
}

/* --- V4 HOME responsive --- */
/* Four across needs ~250px per card; below that go 2x2 (then 1-up at 768). */
@media (max-width: 1120px) {
  .plans__cards {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 1024px) {
  .plans__grid {
    gap: 36px;
  }
  .feature-strip__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .feature-strip__grid .xp-card {
    grid-column: span 2;
  }
}
@media (max-width: 900px) {
  .protect__grid,
  .why__grid,
  .faq-split__card {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .faq-split__card {
    padding: 36px 24px;
  }
  .save-band-wrap {
    padding-top: 70px;
  }
  .save-band {
    grid-template-columns: 1fr;
  }
  .save-band__text {
    padding: 44px 28px;
  }
  .save-band__media {
    min-height: 240px;
  }
  .save-band__media img {
    right: 50%;
    transform: translateX(50%);
    height: calc(100% + 40px);
    min-height: 0;
  }
  .newsletter {
    grid-template-columns: 1fr;
    padding: 44px 28px;
  }
  .newsletter__media img {
    display: none;
  }
  .footer__nav-row {
    margin-top: 48px;
  }
}
@media (max-width: 768px) {
  .footer__nav-col {
    align-items: flex-start;
    padding-top: 0;
  }
}
@media (max-width: 900px) {
  .hero__scribble,
  .quote-scribble {
    display: none;
  }
}
@media (max-width: 768px) {
  .hero.hero--v4 {
    padding: 130px 0 64px;
  }
  .hero--v4 .hero__media img {
    height: 340px;
  }
  .plans__cards {
    grid-template-columns: 1fr;
  }
  .plan-card {
    min-height: 0;
  }
  .stat-cards__row {
    grid-template-columns: 1fr;
  }
  .steps-band .steps__grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 480px) {
  .feature-strip__grid {
    grid-template-columns: 1fr;
  }
  .feature-strip__grid .xp-card {
    grid-column: auto;
  }
  .hero__media-arrow {
    width: 36px;
    height: 36px;
  }
  .hero__media-arrow--prev {
    left: 10px;
  }
  .hero__media-arrow--next {
    right: 10px;
  }
}


/* --- Unified section heading scale: all section/CTA h2 titles, site-wide --- */
.sec-head h2,
.plans__intro h2,
.protect__content h2,
.faq-split__info h2,
.save-band__title,
.bottom-cta__title,
.stats-band__title,
.service-block__title {
  font-size: 42px;
  font-weight: 700;
}
@media (max-width: 768px) {
  .sec-head h2,
  .plans__intro h2,
  .protect__content h2,
  .faq-split__info h2,
  .save-band__title,
  .bottom-cta__title,
  .stats-band__title,
  .service-block__title {
    font-size: 34px;
  }
}
@media (max-width: 480px) {
  .sec-head h2,
  .plans__intro h2,
  .protect__content h2,
  .faq-split__info h2,
  .save-band__title,
  .bottom-cta__title,
  .stats-band__title,
  .service-block__title {
    font-size: 30px;
  }
}

/* Scribble pop-in */
@media (prefers-reduced-motion: no-preference) {
  .hero__scribble,
  .quote-scribble {
    animation: scribble-pop 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) 0.5s backwards;
  }
}
@keyframes scribble-pop {
  0% {
    transform: scale(0) rotate(-20deg);
    opacity: 0;
  }
  70% {
    transform: scale(1.18) rotate(4deg);
    opacity: 1;
  }
  100% {
    transform: scale(1) rotate(0deg);
    opacity: 1;
  }
}