/* ============================================================
   CJS Insurance Solutions — Unified Design System
   Editorial Trust · Guided Choice · Sarasota Concierge
   ============================================================ */

:root {
  /* Palette derived from the CJS shield logo:
     deep blues #003060/#004878, cobalt #186090, azure #1878c0/#48a8d8,
     emerald #309068/#309078, chrome swoosh #c0c0c0, wordmark navy #181830 */
  --paper: #f3f7fb;
  --paper-warm: #fafcfe;
  --card: #ffffff;
  --ink: #101a30;
  --navy-900: #0b2140;
  --navy-800: #0f2f5c;
  --navy-700: #123c74;
  --navy-600: #17518f;
  --navy-50: #eaf2fa;
  --muted: #55627a;
  --muted-2: #63718c;
  --line: #d9e2ec;
  --line-2: #e9eff6;
  --teal-800: #0b5d8c;
  --teal-700: #0e6aa0;
  --teal: #1478b8;
  --teal-bright: #48a8d8;
  --teal-soft: #e2f0fa;
  --gold: #35a06e;
  --gold-deep: #1e7a52;
  --gold-soft: #e6f4ec;
  --silver: #c6cdd6;
  --success: #1f7a4a;
  --success-soft: #e8f4ee;
  --error: #b3261e;
  --error-soft: #fdf0ef;
  --radius: 12px;
  --radius-lg: 18px;
  --shadow-sm: 0 2px 10px rgba(10, 31, 68, 0.06);
  --shadow-md: 0 14px 40px rgba(10, 31, 68, 0.10);
  --shadow-lg: 0 24px 64px rgba(10, 31, 68, 0.14);
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --transition: 0.2s ease;
  --nav-h: 76px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
html, body { margin: 0; padding: 0; }
/* Film-grain texture tile, reused across surfaces (data URI, ~zero cost) */
:root {
  --grain: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='240'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.06'/%3E%3C/svg%3E");
}
body {
  font-family: var(--font-body);
  background:
    var(--grain),
    radial-gradient(1100px 700px at -8% -6%, rgba(48, 144, 104, 0.14), transparent 55%),
    radial-gradient(1300px 850px at 108% -4%, rgba(20, 120, 184, 0.17), transparent 55%),
    radial-gradient(900px 640px at -6% 58%, rgba(0, 72, 120, 0.10), transparent 55%),
    radial-gradient(1000px 700px at 106% 88%, rgba(24, 120, 192, 0.13), transparent 55%),
    linear-gradient(180deg, #f7fafd 0%, #edf2f9 45%, #e6edf6 100%);
  color: var(--ink);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; }
a { color: var(--teal-700); }
::selection { background: var(--teal-soft); color: var(--navy-900); }

/* Accessibility */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy-900); color: #fff; padding: 12px 20px;
  border-radius: 0 0 8px 0; font-weight: 600; text-decoration: none;
}
.skip-link:focus { left: 0; }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 2px; border-radius: 4px; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px;
  margin: -1px; padding: 0; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
  html { scroll-behavior: auto; }
}

/* ============ HEADER / NAV ============ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(251, 252, 254, 0.92);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  height: var(--nav-h);
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 44px; height: 44px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
  font-family: var(--font-display); font-weight: 700; font-size: 17px;
  color: var(--navy-900); letter-spacing: 0.06em;
}
.brand-tag { font-size: 10.5px; color: var(--muted); letter-spacing: 0.14em; text-transform: uppercase; font-weight: 600; }
.nav-links { display: flex; align-items: center; gap: 6px; list-style: none; margin: 0; padding: 0; }
.nav-links > li { position: relative; }
.nav-links a {
  display: inline-block; padding: 10px 13px; border-radius: 8px;
  color: var(--navy-800); text-decoration: none; font-size: 14.5px; font-weight: 500;
  transition: background var(--transition), color var(--transition);
}
.nav-links a:hover, .nav-links a[aria-current="page"] { background: var(--navy-50); color: var(--navy-900); }
.nav-drop > button {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 13px; border-radius: 8px; border: 0; background: none;
  color: var(--navy-800); font-family: var(--font-body); font-size: 14.5px; font-weight: 500; cursor: pointer;
}
.nav-drop > button:hover { background: var(--navy-50); }
.nav-drop > button svg { width: 12px; height: 12px; transition: transform var(--transition); }
.nav-drop-menu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 250px;
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(-4px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}
.nav-drop:hover .nav-drop-menu,
.nav-drop:focus-within .nav-drop-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-drop:hover > button svg, .nav-drop:focus-within > button svg { transform: rotate(180deg); }
.nav-drop-menu a { display: block; padding: 10px 12px; font-size: 14px; border-radius: 8px; }
.nav-drop-menu a strong { display: block; color: var(--navy-900); font-weight: 600; }
.nav-drop-menu a span { display: block; color: var(--muted); font-size: 12.5px; font-weight: 400; }
.nav-cta-group { display: flex; align-items: center; gap: 10px; }
.nav-phone {
  display: inline-flex; align-items: center; gap: 7px;
  color: var(--navy-900); text-decoration: none; font-weight: 600; font-size: 14.5px;
  padding: 10px 12px; border-radius: 8px;
}
.nav-phone:hover { background: var(--navy-50); }
.nav-phone svg { width: 15px; height: 15px; color: var(--teal-700); }
.menu-btn {
  display: none; background: none; border: 1px solid var(--line); border-radius: 8px;
  padding: 9px 10px; cursor: pointer;
}
.menu-btn span { display: block; width: 20px; height: 2px; background: var(--navy-900); margin: 4px 0; transition: transform var(--transition), opacity var(--transition); }
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.mobile-nav {
  display: none; background: var(--card); border-bottom: 1px solid var(--line);
  padding: 12px 24px 22px; box-shadow: var(--shadow-md);
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block; padding: 12px 6px; color: var(--navy-900); text-decoration: none;
  font-weight: 500; font-size: 15.5px; border-bottom: 1px solid var(--line-2);
}
.mobile-nav .mn-label { font-size: 11.5px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); font-weight: 700; padding: 16px 6px 4px; }
.mobile-nav .mn-cta { margin-top: 16px; border: 0; }

@media (max-width: 980px) {
  .nav-links, .nav-cta-group .btn { display: none; }
  .menu-btn { display: block; }
}
@media (max-width: 560px) { .nav-phone .np-text { display: none; } .brand-tag { display: none; } }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 14px 26px; border-radius: 10px; border: 0; cursor: pointer;
  font-family: var(--font-body); font-size: 15.5px; font-weight: 600; text-decoration: none;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), border-color var(--transition);
}
.btn svg { width: 17px; height: 17px; flex-shrink: 0; }
.btn-navy { background: var(--navy-900); color: #fff; box-shadow: 0 4px 14px rgba(10,31,68,0.22); }
.btn-navy:hover { background: var(--navy-700); transform: translateY(-1px); box-shadow: 0 8px 22px rgba(10,31,68,0.28); }
.btn-teal { background: linear-gradient(135deg, var(--teal-800), var(--teal)); color: #fff; box-shadow: 0 4px 14px rgba(11,93,140,0.28); }
.btn-teal:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(11,93,140,0.34); }
.btn-outline { background: transparent; color: var(--navy-900); border: 1.5px solid var(--navy-900); }
.btn-outline:hover { background: var(--navy-50); }
.btn-ghost { background: var(--teal-soft); color: var(--teal-800); }
.btn-ghost:hover { background: #d5ecef; }
.btn-sm { padding: 10px 18px; font-size: 14px; border-radius: 8px; }
.btn-lg { padding: 17px 32px; font-size: 16.5px; }
.btn-block { width: 100%; }

/* ============ LAYOUT / SECTIONS ============ */
main { display: block; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 860px; margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section-tight { padding: 60px 0; }
.section-alt {
  position: relative;
  background:
    var(--grain),
    repeating-radial-gradient(circle at 4% 110%, transparent 0 72px, rgba(10, 31, 68, 0.035) 72px 73px, transparent 73px 146px),
    radial-gradient(1000px 560px at 100% 0%, rgba(20, 120, 184, 0.14), transparent 55%),
    radial-gradient(800px 520px at 0% 100%, rgba(48, 144, 104, 0.12), transparent 55%),
    linear-gradient(180deg, rgba(240, 246, 251, 0.85), rgba(230, 237, 246, 0.95));
  border-top: 1px solid var(--line-2);
  border-bottom: 1px solid var(--line-2);
}
.section-navy {
  position: relative;
  background:
    var(--grain),
    radial-gradient(circle at 1px 1px, rgba(255, 255, 255, 0.055) 1px, transparent 1.6px),
    radial-gradient(1000px 560px at 85% -10%, rgba(24, 120, 192, 0.2), transparent 60%),
    radial-gradient(760px 540px at 0% 110%, rgba(48, 144, 104, 0.13), transparent 55%),
    radial-gradient(900px 700px at 50% 50%, rgba(29, 61, 120, 0.35), transparent 70%),
    var(--navy-900);
  background-size: auto, 26px 26px, auto, auto, auto;
  color: #e8edf7;
}
.section-navy::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent 6%, rgba(154, 168, 184, 0.55) 30%, rgba(226, 233, 240, 0.95) 50%, rgba(154, 168, 184, 0.55) 70%, transparent 94%);
}
.section-navy .section-title, .section-navy h2, .section-navy h3 { color: #fff; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); }
.section-navy .eyebrow { color: var(--gold); }
.section-title {
  font-family: var(--font-display); font-weight: 600; color: var(--navy-900);
  font-size: clamp(1.85rem, 3.6vw, 2.6rem); line-height: 1.16; margin: 0 0 14px;
  letter-spacing: -0.01em;
}
.section-sub { color: var(--muted); font-size: 1.08rem; max-width: 640px; margin: 0 0 44px; }
.center { text-align: center; }
.center .section-sub, .center .eyebrow { margin-left: auto; margin-right: auto; }

/* ============ HERO ============ */
.hero {
  position: relative; overflow: hidden;
  padding: calc(var(--nav-h) + 72px) 0 84px;
  background:
    var(--grain),
    repeating-radial-gradient(circle at 88% 12%, transparent 0 64px, rgba(10, 31, 68, 0.05) 64px 65px, transparent 65px 130px),
    linear-gradient(160deg, rgba(229, 244, 246, 0.85) 0%, rgba(247, 250, 253, 0.4) 44%, rgba(238, 242, 251, 0.75) 100%);
}
.hero > .wrap { position: relative; z-index: 2; }
/* Aurora washes — slow, GPU-cheap drift; no filters, no JS */
.hero::before, .hero::after {
  content: ""; position: absolute; border-radius: 50%; pointer-events: none; z-index: 0;
}
.hero::before {
  width: min(80vw, 1150px); height: min(80vw, 1150px);
  top: -36%; right: -18%;
  background:
    radial-gradient(closest-side, rgba(24, 120, 192, 0.32), rgba(24, 120, 192, 0.13) 46%, transparent 72%);
  animation: auroraA 26s ease-in-out infinite alternate;
}
.hero::after {
  width: min(66vw, 900px); height: min(66vw, 900px);
  bottom: -44%; left: -18%;
  background:
    radial-gradient(closest-side, rgba(48, 144, 104, 0.24), rgba(0, 72, 120, 0.14) 52%, transparent 74%);
  animation: auroraB 32s ease-in-out infinite alternate;
}
@keyframes auroraA {
  from { transform: translate(0, 0) scale(1); }
  to { transform: translate(-6%, 9%) scale(1.12); }
}
@keyframes auroraB {
  from { transform: translate(0, 0) scale(1.06); }
  to { transform: translate(7%, -7%) scale(0.98); }
}
@media (prefers-reduced-motion: reduce) { .hero::before, .hero::after { animation: none; } }
/* Fine editorial grid, fading toward content */
.hero .hero-grid::before {
  content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none;
  background:
    linear-gradient(rgba(10, 31, 68, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10, 31, 68, 0.05) 1px, transparent 1px);
  background-size: 46px 46px;
  -webkit-mask-image: radial-gradient(720px 560px at 82% 30%, #000 20%, transparent 72%);
  mask-image: radial-gradient(720px 560px at 82% 30%, #000 20%, transparent 72%);
}
.hero .hero-grid { position: relative; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); gap: 56px; align-items: center; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }
.hero h1 {
  font-family: var(--font-display); font-weight: 600; color: var(--navy-900);
  font-size: clamp(2.3rem, 5vw, 3.55rem); line-height: 1.12; letter-spacing: -0.015em; margin: 0 0 20px;
}
.hero h1 em { font-style: italic; color: var(--teal-700); }
.hero-lede { color: var(--muted); font-size: 1.16rem; line-height: 1.7; max-width: 560px; margin: 0 0 30px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: var(--card); border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 16px; margin-bottom: 22px; box-shadow: var(--shadow-sm);
  font-size: 13px; font-weight: 600; color: var(--navy-800);
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--success); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 26px; }
.hero-props { display: flex; flex-wrap: wrap; gap: 10px 26px; padding: 0; margin: 0; list-style: none; }
.hero-props li { display: inline-flex; align-items: center; gap: 8px; color: var(--muted); font-size: 14px; font-weight: 500; }
.hero-props svg { width: 16px; height: 16px; color: var(--success); flex-shrink: 0; }

/* Advisor card (hero right) */
.advisor-card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 30px; position: relative;
}
.advisor-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  background: linear-gradient(90deg, var(--navy-900), var(--teal), var(--gold));
}
.advisor-head { display: flex; align-items: center; gap: 16px; margin-bottom: 18px; }
.advisor-head img { width: 74px; height: 74px; border-radius: 50%; object-fit: cover; border: 3px solid var(--teal-soft); }
.advisor-name { font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; color: var(--navy-900); }
.advisor-title { color: var(--muted); font-size: 13.5px; }
.advisor-quote { color: var(--navy-800); font-size: 15px; line-height: 1.65; border-left: 3px solid var(--gold); padding-left: 14px; margin: 0 0 18px; font-style: italic; }
.advisor-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
.advisor-meta div { background: var(--paper); border: 1px solid var(--line-2); border-radius: 10px; padding: 10px 12px; }
.advisor-meta b { display: block; font-family: var(--font-display); color: var(--navy-900); font-size: 1.05rem; }
.advisor-meta span { color: var(--muted); font-size: 12px; }

/* ============ PATH ROUTER (guided choice) ============ */
.router-tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 34px; }
.router-tab {
  border: 1.5px solid var(--line); background: var(--card); color: var(--navy-800);
  border-radius: 999px; padding: 11px 22px; font-family: var(--font-body);
  font-size: 14.5px; font-weight: 600; cursor: pointer;
  transition: all var(--transition);
}
.router-tab:hover { border-color: var(--teal); color: var(--teal-800); }
.router-tab[aria-selected="true"] { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }
.path-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(255px, 1fr)); gap: 18px; }
.path-card {
  position: relative; display: flex; flex-direction: column;
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 26px; text-decoration: none; color: var(--ink);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.path-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: rgba(20,120,184,0.45); }
.path-icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--teal-soft);
  display: grid; place-items: center; margin-bottom: 16px;
}
.path-icon svg { width: 22px; height: 22px; color: var(--teal-800); }
.path-card h3 { font-family: var(--font-display); font-size: 1.14rem; font-weight: 600; color: var(--navy-900); margin: 0 0 8px; }
.path-card p { color: var(--muted); font-size: 14px; line-height: 1.6; margin: 0 0 16px; flex: 1; }
.path-card .go { color: var(--teal-800); font-weight: 600; font-size: 14px; display: inline-flex; align-items: center; gap: 6px; }
.path-card .go svg { width: 15px; height: 15px; transition: transform var(--transition); }
.path-card:hover .go svg { transform: translateX(3px); }
.path-card .pc-flag {
  position: absolute; top: 18px; right: 18px;
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--gold-deep); background: var(--gold-soft); border-radius: 6px; padding: 4px 8px;
}

/* ============ CARDS / GRIDS ============ */
.grid-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 16px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card.lift:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card h3 { font-family: var(--font-display); font-size: 1.18rem; font-weight: 600; color: var(--navy-900); margin: 0 0 10px; }
.card p { color: var(--muted); font-size: 14.5px; line-height: 1.65; margin: 0; }
.card-icon { width: 46px; height: 46px; border-radius: 12px; background: var(--navy-50); display: grid; place-items: center; margin-bottom: 16px; }
.card-icon svg { width: 22px; height: 22px; color: var(--navy-700); }
.check-list { list-style: none; margin: 16px 0 0; padding: 0; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; color: var(--navy-800); font-size: 14.5px; padding: 6px 0; }
.check-list svg { width: 17px; height: 17px; color: var(--success); flex-shrink: 0; margin-top: 2px; }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 18px; }
.step-card { position: relative; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 24px 24px; }
.step-card::before {
  counter-increment: step; content: "0" counter(step);
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
  color: var(--gold-deep); background: var(--gold-soft);
  border-radius: 8px; padding: 4px 10px; display: inline-block; margin-bottom: 14px;
}
.step-card h3 { font-size: 1.05rem; font-family: var(--font-display); color: var(--navy-900); margin: 0 0 8px; }
.step-card p { color: var(--muted); font-size: 14px; line-height: 1.6; margin: 0; }

/* Stat band */
.stat-band { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 18px; text-align: center; }
.stat-band b { display: block; font-family: var(--font-display); font-weight: 600; font-size: 2.3rem; color: var(--navy-900); }
.section-navy .stat-band b { color: #fff; }
.stat-band span { color: var(--muted); font-size: 13.5px; font-weight: 500; }
.section-navy .stat-band span { color: #b7c4dc; }

/* Trust strip */
.trust-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 34px; align-items: center; padding: 0; margin: 0; list-style: none; }
.trust-strip li { display: inline-flex; align-items: center; gap: 9px; color: var(--muted); font-size: 13.5px; font-weight: 600; }
.trust-strip svg { width: 17px; height: 17px; color: var(--teal-700); }

/* Carrier wall */
.carrier-wall { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.carrier-chip {
  background: var(--card); border: 1px solid var(--line); border-radius: 999px;
  padding: 9px 18px; font-size: 13.5px; font-weight: 600; color: var(--navy-800);
}

/* ============ FAQ ============ */
.faq-list { display: grid; gap: 12px; }
.faq-item { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.faq-item summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 19px 22px; font-weight: 600; color: var(--navy-900); font-size: 15.5px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary svg { width: 18px; height: 18px; color: var(--teal-700); flex-shrink: 0; transition: transform var(--transition); }
.faq-item[open] summary svg { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 22px 20px; color: var(--muted); font-size: 14.5px; line-height: 1.7; }
.faq-item .faq-body a { color: var(--teal-800); font-weight: 600; }

/* ============ FORMS ============ */
.form-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 36px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .form-card { padding: 26px 20px; } }
.field { display: flex; flex-direction: column; gap: 7px; }
.field label { font-size: 12.5px; font-weight: 700; color: var(--navy-900); letter-spacing: 0.05em; text-transform: uppercase; }
.field label .req { color: var(--error); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; font-size: 15px; font-family: inherit;
  color: var(--ink); background: var(--card);
  border: 1px solid var(--line); border-radius: 10px;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none; appearance: none;
}
.field select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%235b6675' stroke-width='2'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px;
}
.field textarea { resize: vertical; min-height: 120px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px rgba(0, 72, 120, 0.14);
}
.field .hint { font-size: 12.5px; color: var(--muted); }
.consent {
  display: flex; gap: 11px; align-items: flex-start;
  background: var(--paper); border: 1px solid var(--line-2); border-radius: 10px; padding: 14px 15px;
}
.consent input { width: 17px; height: 17px; margin-top: 2px; accent-color: var(--navy-800); flex-shrink: 0; }
.consent label { font-size: 12.8px; color: var(--muted); line-height: 1.55; font-weight: 400; text-transform: none; letter-spacing: 0; }
.form-note { font-size: 12.5px; color: var(--muted-2); line-height: 1.55; }
.form-success {
  display: none; text-align: center; padding: 34px 20px;
}
.form-success.show { display: block; }
.form-success .ok-ring {
  width: 74px; height: 74px; border-radius: 50%; margin: 0 auto 18px;
  background: var(--success-soft); display: grid; place-items: center;
}
.form-success .ok-ring svg { width: 34px; height: 34px; color: var(--success); }
.form-success h3 { font-family: var(--font-display); color: var(--navy-900); margin: 0 0 8px; }
.form-success p { color: var(--muted); font-size: 14.5px; }

/* ============ CALCULATOR ============ */
.calc-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); overflow: hidden; }
.calc-head { padding: 26px 32px; border-bottom: 1px solid var(--line-2); display: flex; align-items: center; justify-content: space-between; gap: 14px; flex-wrap: wrap; }
.calc-head h3 { font-family: var(--font-display); color: var(--navy-900); font-size: 1.3rem; margin: 0; }
.calc-badge { font-size: 11.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal-800); background: var(--teal-soft); border-radius: 6px; padding: 5px 10px; }
.calc-body { padding: 28px 32px 32px; }
@media (max-width: 640px) { .calc-head, .calc-body { padding-left: 20px; padding-right: 20px; } }
.calc-result { margin-top: 24px; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.calc-result[hidden] { display: none; }
.calc-result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); }
.calc-cell { padding: 20px; border-bottom: 1px solid var(--line-2); }
.calc-cell + .calc-cell { border-left: 1px solid var(--line-2); }
@media (max-width: 640px) { .calc-cell + .calc-cell { border-left: 0; } }
.calc-cell span { display: block; font-size: 12px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.calc-cell b { font-family: var(--font-display); font-size: 1.5rem; color: var(--navy-900); font-weight: 600; }
.calc-cell b.good { color: var(--success); }
.calc-note { padding: 18px 20px; background: var(--paper); color: var(--navy-800); font-size: 14px; line-height: 1.65; }
.calc-disclaimer { font-size: 12.3px; color: var(--muted-2); line-height: 1.6; margin-top: 18px; }

/* ============ FOOTER ============ */
.site-footer {
  position: relative;
  background:
    var(--grain),
    radial-gradient(circle at 1px 1px, rgba(255, 255, 255, 0.04) 1px, transparent 1.6px),
    radial-gradient(1100px 520px at 80% -12%, rgba(24, 120, 192, 0.14), transparent 60%),
    radial-gradient(700px 480px at 0% 110%, rgba(48, 144, 104, 0.09), transparent 55%),
    var(--navy-900);
  background-size: auto, 26px 26px, auto, auto;
  color: #c3cee2; margin-top: 40px;
}
.site-footer::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent 6%, rgba(154, 168, 184, 0.5) 30%, rgba(226, 233, 240, 0.9) 50%, rgba(154, 168, 184, 0.5) 70%, transparent 94%);
}
.footer-grid {
  max-width: 1200px; margin: 0 auto; padding: 64px 24px 40px;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; gap: 32px; } }
.footer-brand img { width: 46px; margin-bottom: 14px; }
.footer-brand .fb-name { font-family: var(--font-display); color: #fff; font-size: 1.1rem; font-weight: 600; letter-spacing: 0.05em; margin-bottom: 10px; }
.footer-brand p { font-size: 13.5px; line-height: 1.7; color: #9fb0cc; max-width: 300px; margin: 0 0 16px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 9px; background: rgba(255,255,255,0.07); color: #cfd9ea; transition: background var(--transition); }
.footer-social a:hover { background: rgba(24,120,192,0.28); color: #fff; }
.footer-social svg { width: 16px; height: 16px; }
.footer-col h4 { color: #fff; font-size: 12.5px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; margin: 0 0 16px; }
.footer-col a { display: block; color: #9fb0cc; text-decoration: none; font-size: 14px; padding: 5px 0; transition: color var(--transition); }
.footer-col a:hover { color: var(--teal-bright); }
.footer-col address { font-style: normal; font-size: 14px; line-height: 1.8; color: #9fb0cc; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.10); }
.footer-legal-inner { max-width: 1200px; margin: 0 auto; padding: 26px 24px 34px; }
.footer-legal p { font-size: 12.3px; line-height: 1.7; color: #8296b5; margin: 0 0 10px; }
.footer-legal .legal-links { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 14px; }
.footer-legal .legal-links a { color: #b7c4dc; font-size: 12.8px; text-decoration: none; font-weight: 600; }
.footer-legal .legal-links a:hover { color: var(--teal-bright); }

/* ============ PAGE HERO (interior pages) ============ */
.page-hero {
  position: relative; overflow: hidden;
  padding: calc(var(--nav-h) + 58px) 0 56px;
  background:
    var(--grain),
    repeating-radial-gradient(circle at 90% 0%, transparent 0 58px, rgba(10, 31, 68, 0.045) 58px 59px, transparent 59px 118px),
    linear-gradient(160deg, rgba(229, 244, 246, 0.8) 0%, rgba(247, 250, 253, 0.35) 48%, rgba(238, 242, 251, 0.7) 100%);
  border-bottom: 1px solid var(--line-2);
}
.page-hero > .wrap { position: relative; z-index: 2; }
.page-hero::before {
  content: ""; position: absolute; border-radius: 50%; pointer-events: none; z-index: 0;
  width: min(70vw, 950px); height: min(70vw, 950px);
  top: -48%; right: -16%;
  background: radial-gradient(closest-side, rgba(24, 120, 192, 0.28), rgba(24, 120, 192, 0.11) 48%, transparent 72%);
  animation: auroraA 28s ease-in-out infinite alternate;
}
.page-hero::after {
  content: ""; position: absolute; border-radius: 50%; pointer-events: none; z-index: 0;
  width: min(50vw, 680px); height: min(50vw, 680px);
  bottom: -60%; left: -14%;
  background: radial-gradient(closest-side, rgba(48, 144, 104, 0.19), rgba(0, 72, 120, 0.12) 50%, transparent 74%);
  animation: auroraB 34s ease-in-out infinite alternate;
}
@media (prefers-reduced-motion: reduce) { .page-hero::before, .page-hero::after { animation: none; } }
.page-hero h1 { font-family: var(--font-display); font-weight: 600; color: var(--navy-900); font-size: clamp(2rem, 4.4vw, 3rem); line-height: 1.14; margin: 0 0 16px; letter-spacing: -0.012em; }
.page-hero .lede { color: var(--muted); font-size: 1.12rem; line-height: 1.7; max-width: 680px; margin: 0; }
.crumbs { font-size: 13px; color: var(--muted-2); margin-bottom: 20px; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--teal-800); }

/* Prose (legal pages, articles) */
.prose { max-width: 780px; }
.prose h2 { font-family: var(--font-display); color: var(--navy-900); font-size: 1.45rem; margin: 42px 0 12px; }
.prose h3 { color: var(--navy-900); font-size: 1.08rem; margin: 28px 0 8px; }
.prose p, .prose li { color: #3c4757; font-size: 15.5px; line-height: 1.75; }
.prose ul { padding-left: 22px; }
.prose li { margin-bottom: 8px; }
.prose .updated { color: var(--muted-2); font-size: 13.5px; }

/* CTA panel */
.cta-panel {
  position: relative; overflow: hidden;
  background:
    var(--grain),
    radial-gradient(circle at 1px 1px, rgba(255, 255, 255, 0.05) 1px, transparent 1.6px),
    radial-gradient(760px 420px at 92% -24%, rgba(24, 120, 192, 0.28), transparent 60%),
    radial-gradient(560px 380px at -8% 120%, rgba(48, 144, 104, 0.16), transparent 55%),
    var(--navy-900);
  background-size: auto, 26px 26px, auto, auto;
  border: 1px solid rgba(24, 120, 192, 0.25);
  border-radius: var(--radius-lg); padding: 52px 46px; color: #dfe7f4;
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 30px; align-items: center;
  box-shadow: var(--shadow-lg);
}
.cta-panel::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent 4%, rgba(154, 168, 184, 0.55) 28%, rgba(226, 233, 240, 0.95) 50%, rgba(154, 168, 184, 0.55) 72%, transparent 96%);
}
@media (max-width: 800px) { .cta-panel { grid-template-columns: 1fr; padding: 38px 26px; } }
.cta-panel h2 { font-family: var(--font-display); color: #fff; font-size: clamp(1.5rem, 3vw, 2.1rem); margin: 0 0 10px; }
.cta-panel p { color: #b7c4dc; margin: 0; font-size: 15.5px; line-height: 1.65; }
.cta-panel .cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }
@media (max-width: 800px) { .cta-panel .cta-actions { justify-content: flex-start; } }

/* Notice / callout */
.notice {
  display: flex; gap: 12px; align-items: flex-start;
  border-radius: var(--radius); padding: 16px 18px; font-size: 14px; line-height: 1.6;
}
.notice svg { width: 19px; height: 19px; flex-shrink: 0; margin-top: 1px; }
.notice-info { background: var(--navy-50); border: 1px solid #d6def0; color: var(--navy-800); }
.notice-info svg { color: var(--navy-700); }
.notice-warn { background: #fff7e8; border: 1px solid #f0dcae; color: #6a4d00; }
.notice-warn svg { color: #a57b00; }

/* Reveal animation — hidden state applies ONLY when JS enables it
   (body.js-anim), so no-JS users and crawlers always see content. */
.reveal { opacity: 1; transform: none; }
body.js-anim .reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
body.js-anim .reveal.active { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { body.js-anim .reveal { opacity: 1; transform: none; transition: none; } }

/* Mobile sticky CTA */
.mobile-cta {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 90;
  display: none; gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  background: rgba(251,252,254,0.96); backdrop-filter: blur(12px);
  border-top: 1px solid var(--line); box-shadow: 0 -6px 24px rgba(10,31,68,0.08);
}
.mobile-cta .btn { flex: 1; padding: 13px 10px; font-size: 14.5px; }
@media (max-width: 760px) { .mobile-cta { display: flex; } body { padding-bottom: 74px; } }

/* ============ PLAN GUIDE CHAT WIDGET ============ */
.pg-launch {
  position: fixed; right: 20px; bottom: 20px; z-index: 95;
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--navy-900); color: #fff; border: 0; border-radius: 999px;
  padding: 14px 20px; font-family: var(--font-body); font-size: 14.5px; font-weight: 600;
  box-shadow: 0 10px 30px rgba(10,31,68,0.35); cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition);
}
.pg-launch:hover { transform: translateY(-2px); box-shadow: 0 14px 36px rgba(10,31,68,0.4); }
.pg-launch svg { width: 19px; height: 19px; color: var(--teal-bright); }
@media (max-width: 760px) { .pg-launch { bottom: 84px; right: 14px; padding: 13px 16px; } }
.pg-panel {
  position: fixed; right: 20px; bottom: 20px; z-index: 96;
  width: min(400px, calc(100vw - 28px)); height: min(600px, calc(100vh - 100px));
  background: var(--card); border: 1px solid var(--line); border-radius: 18px;
  box-shadow: 0 30px 80px rgba(10,31,68,0.30);
  display: none; flex-direction: column; overflow: hidden;
}
.pg-panel.open { display: flex; }
@media (max-width: 760px) { .pg-panel { bottom: 0; right: 0; width: 100vw; height: min(640px, 92vh); border-radius: 18px 18px 0 0; } }
.pg-head { background: var(--navy-900); color: #fff; padding: 16px 18px; display: flex; align-items: center; gap: 12px; }
.pg-head .pg-avatar { width: 38px; height: 38px; border-radius: 50%; background: rgba(24,120,192,0.25); display: grid; place-items: center; flex-shrink: 0; }
.pg-head .pg-avatar svg { width: 19px; height: 19px; color: var(--teal-bright); }
.pg-head-name { font-weight: 700; font-size: 15px; line-height: 1.2; }
.pg-head-sub { font-size: 11.5px; color: #b7c4dc; }
.pg-close { margin-left: auto; background: rgba(255,255,255,0.1); border: 0; color: #fff; width: 32px; height: 32px; border-radius: 8px; cursor: pointer; font-size: 16px; line-height: 1; }
.pg-close:hover { background: rgba(255,255,255,0.2); }
.pg-disclaimer { background: var(--gold-soft); color: #1e5c40; font-size: 11px; line-height: 1.5; padding: 8px 14px; border-bottom: 1px solid #cfe8db; }
.pg-log { flex: 1; overflow-y: auto; padding: 16px 14px; display: flex; flex-direction: column; gap: 10px; background: var(--paper); }
.pg-msg { max-width: 86%; padding: 11px 14px; border-radius: 14px; font-size: 13.8px; line-height: 1.55; white-space: pre-line; }
.pg-msg.bot { background: var(--card); border: 1px solid var(--line); color: var(--ink); border-bottom-left-radius: 4px; align-self: flex-start; }
.pg-msg.user { background: var(--navy-800); color: #fff; border-bottom-right-radius: 4px; align-self: flex-end; }
.pg-msg a { color: var(--teal-800); font-weight: 600; }
.pg-chips { display: flex; flex-wrap: wrap; gap: 8px; align-self: flex-start; max-width: 95%; }
.pg-chip {
  background: var(--card); border: 1.5px solid var(--teal); color: var(--teal-800);
  border-radius: 999px; padding: 8px 14px; font-family: var(--font-body);
  font-size: 12.8px; font-weight: 600; cursor: pointer; transition: all var(--transition);
}
.pg-chip:hover { background: var(--teal-soft); }
.pg-input-row { display: flex; gap: 8px; padding: 12px; border-top: 1px solid var(--line); background: var(--card); }
.pg-input-row input {
  flex: 1; border: 1px solid var(--line); border-radius: 10px; padding: 11px 13px;
  font-family: inherit; font-size: 14px;
}
.pg-input-row input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(20,120,184,0.13); }
.pg-input-row button {
  background: var(--navy-900); color: #fff; border: 0; border-radius: 10px;
  width: 44px; display: grid; place-items: center; cursor: pointer;
}
.pg-input-row button svg { width: 17px; height: 17px; }
.pg-foot { font-size: 10.3px; color: var(--muted-2); text-align: center; padding: 7px 12px 9px; background: var(--card); line-height: 1.45; }

/* Tables (resources/legal) */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table.data { width: 100%; border-collapse: collapse; background: var(--card); font-size: 14px; }
table.data th { background: var(--navy-50); color: var(--navy-900); text-align: left; padding: 12px 16px; font-size: 12.5px; letter-spacing: 0.06em; text-transform: uppercase; }
table.data td { padding: 12px 16px; border-top: 1px solid var(--line-2); color: #3c4757; }

@media print {
  .site-header, .site-footer, .pg-launch, .pg-panel, .mobile-cta, .hero-ctas { display: none !important; }
  body { background: #fff; }
}