/* =========================================================================
   Assurance Network landing pages
   Fraunces (headings) + Inter (text). Slate + gold.
   ========================================================================= */

:root {
  --ink-950: #0f1b1f;
  --ink-900: #16252a;
  --ink-800: #1e3237;
  --ink-700: #2a4248;
  --slate:   #395057;
  --slate-2: #4f6a72;
  --mist:    #eef3f3;
  --mist-2:  #f6f9f9;
  --line:    #dde5e6;
  --line-2:  #c9d5d7;

  --gold-300: #e7c08e;
  --gold-400: #d8a96c;
  --gold:     #c9965a;
  --gold-600: #b07d42;
  --gold-text:#8f5f26;
  --gold-50:  #fbf5ec;

  --text:   #15262b;
  --body:   #3c4d52;
  --muted:  #5f7075;
  --white:  #ffffff;
  --error:  #b42318;
  --error-bg: #fff4f2;
  --focus:  #2a7de1;

  --serif: "Fraunces", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --sans:  "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  --r-sm: 8px;
  --r:    10px;
  --r-lg: 12px;
  --r-xl: 14px;

  --shadow-sm: 0 1px 2px rgba(15, 27, 31, .06), 0 2px 8px rgba(15, 27, 31, .05);
  --shadow:    0 2px 4px rgba(15, 27, 31, .04), 0 12px 32px -8px rgba(15, 27, 31, .14);
  --shadow-lg: 0 4px 8px rgba(15, 27, 31, .05), 0 32px 64px -16px rgba(15, 27, 31, .32);

  --ease: cubic-bezier(.2, .7, .2, 1);
  --header-h: 84px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--sans); font-size: 1.125rem; line-height: 1.65;
  color: var(--body); background: var(--white);
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--slate); text-underline-offset: 3px; }
a:hover { color: var(--ink-900); }
h1, h2, h3 { margin: 0; color: var(--text); }
p { margin: 0; }
.icon { width: 1.2em; height: 1.2em; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; flex: none; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 6px; }
::selection { background: var(--gold-300); color: var(--ink-950); }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 16px; top: -100px; z-index: 200; background: var(--ink-900); color: var(--white); padding: 12px 18px; border-radius: var(--r-sm); }
.skip-link:focus { top: 12px; color: var(--white); }

.container { width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 880px; }
@media (max-width: 559px) { .container { padding: 0 18px; } }

/* =========================== Header =========================== */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 100;
  transition: background .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
  border-bottom: 1px solid transparent;
}
.header-inner { display: flex; align-items: center; gap: 28px; height: var(--header-h); transition: height .35s var(--ease); }
.site-header.is-solid, .site-header.is-scrolled {
  background: rgba(255, 255, 255, .86);
  backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom-color: rgba(201, 213, 215, .7);
  box-shadow: 0 6px 24px -14px rgba(15, 27, 31, .25);
}
.site-header.is-scrolled .header-inner { height: 70px; }
body:not(.home) { padding-top: var(--header-h); }

.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--text); }
.brand-mark { width: 42px; height: 42px; flex: none; filter: drop-shadow(0 4px 10px rgba(15, 27, 31, .25)); }
.brand-mark rect { fill: var(--ink-900); }
.brand-mark path { fill: var(--gold); }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--serif); font-size: 1.42rem; font-weight: 600; letter-spacing: -.01em; white-space: nowrap; }
.brand-tag { font-size: .7rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-text); margin-top: 4px; }

/* image logo: globe mark + wordmark (dark text on light header, light text over the hero / footer) */
.brand-logo-mark { height: 58px; width: auto; flex: none; }
.brand:hover .brand-logo-mark { transform: rotate(-8deg) scale(1.04); }
.brand-wordmark img { height: 36px; width: auto; display: block; }
.brand-wordmark .wm-light { display: none; }
.site-header.is-over-hero:not(.is-scrolled) .wm-dark { display: none; }
.site-header.is-over-hero:not(.is-scrolled) .wm-light { display: block; }
.brand-footer .wm-light { display: block; }
.site-header.is-scrolled .brand-logo-mark { height: 48px; }
.site-header.is-scrolled .brand-wordmark img { height: 30px; }
.brand-logo-mark, .brand-wordmark img { transition: height .35s var(--ease), transform .5s var(--ease); }

.site-nav { display: none; gap: 30px; margin-left: auto; }
.site-nav a { position: relative; text-decoration: none; color: var(--body); font-weight: 500; font-size: 1rem; padding: 12px 0; }
.site-nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 6px; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: right; transition: transform .35s var(--ease); }
.site-nav a:hover { color: var(--text); }
.site-nav a:hover::after { transform: scaleX(1); transform-origin: left; }

.header-call {
  margin-left: auto; display: inline-flex; align-items: center; gap: 12px; text-decoration: none;
  color: var(--white); background: var(--ink-900); padding: 8px 20px 8px 8px; border-radius: 999px;
  font-weight: 700; font-size: 1.05rem; transition: background .2s;
}
.header-call:hover { color: var(--white); background: var(--ink-700); }
.header-call-icon {
  position: relative; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  background: var(--gold); color: var(--ink-950);
}
.header-call-icon .icon { width: 18px; height: 18px; stroke-width: 2.2; }
.header-call-icon::after { content: ""; position: absolute; inset: 0; border-radius: 50%; animation: ring 2.6s var(--ease) infinite; }
@keyframes ring { 0% { box-shadow: 0 0 0 0 rgba(201, 150, 90, .55); } 70%, 100% { box-shadow: 0 0 0 12px rgba(201, 150, 90, 0); } }
.header-call-text { display: flex; flex-direction: column; line-height: 1.15; white-space: nowrap; letter-spacing: .01em; }
.header-call-text small { font-size: .82rem; font-weight: 500; opacity: .75; letter-spacing: .02em; }
.header-call-short { display: none; }

/* Transparent state over the dark hero */
.site-header.is-over-hero:not(.is-scrolled) .brand { color: var(--white); }
.site-header.is-over-hero:not(.is-scrolled) .brand-tag { color: var(--gold-300); }
.site-header.is-over-hero:not(.is-scrolled) .site-nav a { color: rgba(255, 255, 255, .82); }
.site-header.is-over-hero:not(.is-scrolled) .site-nav a:hover { color: var(--white); }
.site-header.is-over-hero:not(.is-scrolled) .header-call { background: rgba(255, 255, 255, .1); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .22); }

@media (min-width: 1040px) { .site-nav { display: flex; } .site-nav ~ .header-call { margin-left: 8px; } }
@media (max-width: 599px) {
  :root { --header-h: 68px; }
  .site-header.is-scrolled .header-inner { height: 62px; }
  .brand-mark { width: 36px; height: 36px; }
  .brand-name { font-size: 1.2rem; }
  .brand-tag { display: none; }
  .brand { gap: 9px; }
  .brand-logo-mark, .site-header.is-scrolled .brand-logo-mark { height: 38px; }
  .brand-wordmark img, .site-header.is-scrolled .brand-wordmark img { height: 22px; }
  .header-call { padding: 6px 16px 6px 6px; gap: 8px; }
  .header-call-icon { width: 34px; height: 34px; }
  .header-call-text { display: none; }
  .header-call-short { display: inline; }
}

/* =========================== Buttons =========================== */
.btn {
  position: relative; isolation: isolate; overflow: hidden;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 12px 24px; border-radius: var(--r-sm); border: 0;
  font: inherit; font-size: 1.05rem; font-weight: 600; text-decoration: none; cursor: pointer;
  transition: background-color .2s, color .2s, transform .25s var(--ease), box-shadow .25s var(--ease);
}
.btn .icon { width: 19px; height: 19px; stroke-width: 2.2; }
.btn .btn-arrow { transition: transform .3s var(--ease); }
.btn:hover { transform: translateY(-2px); }
.btn:hover .btn-arrow { transform: translateX(5px); }
.btn:active { transform: translateY(0) scale(.985); }
.btn::after {
  content: ""; position: absolute; z-index: -1; top: 0; bottom: 0; left: -60%; width: 40%;
  background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .35), transparent);
  transform: skewX(-20deg); transition: left .7s var(--ease);
}
.btn:hover::after { left: 130%; }
.btn-block { width: 100%; }
.btn-gold { color: var(--ink-950); background: var(--gold); }
.btn-gold:hover { color: var(--ink-950); background: var(--gold-400); box-shadow: 0 14px 28px -12px rgba(201, 150, 90, .8); }
.btn-dark { color: var(--white); background: var(--ink-900); }
.btn-dark:hover { color: var(--white); background: var(--ink-700); box-shadow: 0 14px 28px -12px rgba(15, 27, 31, .6); }
.btn-dark .btn-arrow { color: var(--gold-300); }
.btn-ghost { color: var(--white); background: transparent; box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .4); }
.btn-ghost:hover { color: var(--white); background: rgba(255, 255, 255, .08); }

.btn-back {
  display: inline-flex; align-items: center; gap: 8px; margin: 10px auto 0; padding: 10px 14px;
  background: none; border: 0; font: inherit; font-size: .98rem; font-weight: 600; color: var(--muted); cursor: pointer; border-radius: var(--r-sm);
}
.btn-back:hover { color: var(--text); background: var(--mist); }
.btn-back .icon { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn-back:hover .icon { transform: translateX(-3px); }
fieldset .btn-back { display: flex; }

.spinner { display: none; width: 22px; height: 22px; border: 3px solid rgba(15, 27, 31, .25); border-top-color: var(--ink-950); border-radius: 50%; animation: spin .8s linear infinite; }
.is-loading .spinner { display: inline-block; }
.is-loading .btn-arrow { display: none; }
.is-loading { pointer-events: none; opacity: .9; }
@keyframes spin { to { transform: rotate(360deg); } }

/* =========================== Hero =========================== */
.hero {
  position: relative; color: rgba(255, 255, 255, .86); padding: calc(var(--header-h) + 48px) 0 88px;
  background: radial-gradient(90% 70% at 100% 0%, rgba(201, 150, 90, .14), transparent 60%), radial-gradient(110% 90% at 0% 0%, var(--ink-700), var(--ink-900) 55%, var(--ink-950));
}

.hero-grid { position: relative; display: grid; gap: 28px; align-items: start; }
@media (min-width: 1100px) {
  .hero { padding: calc(var(--header-h) + 64px) 0 104px; }
  .hero-grid { grid-template-columns: 1.08fr .92fr; grid-template-areas: "intro form" "extra form"; grid-template-rows: auto 1fr; gap: 32px 72px; }
  .hero-intro { grid-area: intro; padding-top: 12px; }
  .hero-extra { grid-area: extra; }
  .form-col { grid-area: form; }
}

.hero-note { margin-bottom: 16px; font-size: .95rem; font-weight: 600; color: var(--gold-300); }

.hero h1 {
  font-family: var(--serif); font-weight: 500; color: var(--white);
  font-size: clamp(2.2rem, 5vw, 3.9rem); line-height: 1.08; letter-spacing: -.02em;
}
.hero h1 em { font-style: italic; color: var(--gold-300); }
.lead { margin-top: 20px; font-size: clamp(1.08rem, 1.4vw, 1.25rem); line-height: 1.6; color: rgba(255, 255, 255, .78); max-width: 34em; }

.hero-points { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.hero-points li { display: flex; align-items: center; gap: 12px; font-size: 1.05rem; color: rgba(255, 255, 255, .9); }
.hero-points .icon { width: 20px; height: 20px; color: var(--gold-300); stroke-width: 2.6; }
.credential { transition: border-color .3s, background .3s; }
.credential:hover { border-color: rgba(201, 150, 90, .5); background: rgba(255, 255, 255, .03); }

.credential {
  display: inline-flex; align-items: center; gap: 12px; margin-top: 24px; padding: 12px 18px 12px 12px;
  max-width: 36em; border-radius: var(--r); border: 1px solid rgba(255, 255, 255, .14); font-size: 1rem; line-height: 1.5;
}
.credential strong { color: var(--white); }
.hero-tagline {
  margin-top: 28px; font-family: var(--serif); font-style: italic; font-weight: 500; color: var(--gold-300);
  font-size: clamp(1.7rem, 3.2vw, 2.6rem); line-height: 1.1; letter-spacing: -.02em;
}
.credential-icon { width: 42px; height: 42px; border-radius: var(--r-sm); display: grid; place-items: center; background: rgba(201, 150, 90, .14); color: var(--gold-300); flex: none; }
.credential-icon .icon { width: 22px; height: 22px; }

/* entrance */
.js .anim-in { opacity: 0; transform: translateY(22px); animation: rise .9s var(--ease) forwards; animation-delay: calc(var(--i, 0) * 110ms + 80ms); }
@keyframes rise { to { opacity: 1; transform: none; } }

/* =========================== Form card =========================== */
.form-card {
  position: relative; background: var(--white); color: var(--body); border-radius: var(--r-xl);
  border-top: 4px solid var(--gold); box-shadow: 0 24px 50px -24px rgba(0, 0, 0, .55); overflow: hidden;
}
.form-head { padding: 24px 28px 0; }
.form-head h2 { font-family: var(--serif); font-weight: 500; font-size: clamp(1.45rem, 2.2vw, 1.75rem); letter-spacing: -.01em; line-height: 1.2; }
.form-progress { display: flex; align-items: center; gap: 12px; margin-top: 12px; }
.step-count { font-size: .85rem; color: var(--muted); font-weight: 500; white-space: nowrap; }
.progress { flex: 1; height: 4px; background: var(--mist); border-radius: 99px; overflow: hidden; }
.progress-bar { display: block; height: 100%; width: 50%; border-radius: inherit; background: var(--gold); transition: width .4s ease; }
.form-card[data-step="2"] .progress-bar { width: 100%; }
html:not(.js) .form-progress { display: none; }

#lead-form { padding: 18px 28px 22px; }
.step { border: 0; padding: 0; margin: 0; min-width: 0; }
.js .step:not(.is-active) { display: none; }
.step.is-active { animation: stepIn .45s var(--ease); }
@keyframes stepIn { from { opacity: 0; transform: translateX(14px); } }
html:not(.js) .step + .step { margin-top: 22px; padding-top: 22px; border-top: 1px solid var(--line); }
html:not(.js) [data-next], html:not(.js) [data-back] { display: none; }

.field { margin-bottom: 16px; }
.field-row { display: grid; gap: 0 12px; }
@media (min-width: 540px) { .field-row { grid-template-columns: 1fr 1fr; } }
.field-row-fixed { grid-template-columns: 1fr 1fr; }
.field-label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 6px; color: var(--text); }
.optional { font-weight: 400; color: var(--muted); }

input[type="text"], input[type="tel"], input[type="email"], select {
  width: 100%; min-height: 50px; padding: 11px 14px; font: inherit; font-size: 1rem; color: var(--text);
  background: var(--white); border: 1.5px solid var(--line-2); border-radius: var(--r-sm); appearance: none;
  transition: border-color .2s, box-shadow .2s;
}
input::placeholder { color: #94a3a7; }
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23395057' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 38px; cursor: pointer;
}
input:focus, select:focus { outline: none; border-color: var(--slate); box-shadow: 0 0 0 3px rgba(57, 80, 87, .15); }
.input-icon { position: relative; }
.input-icon > .icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); width: 18px; height: 18px; color: var(--slate-2); pointer-events: none; }
.input-icon input { padding-left: 42px; }

.field.has-error input, .field.has-error select { border-color: var(--error); background: var(--error-bg); }
.field.has-error { animation: shake .4s var(--ease); }
@keyframes shake { 20%, 60% { transform: translateX(-5px); } 40%, 80% { transform: translateX(5px); } }

/* check / radio tiles */
.choice-grid { display: grid; gap: 8px; }
@media (min-width: 540px) { .choice-grid { grid-template-columns: 1fr 1fr; } }
.choice-grid-2 { grid-template-columns: 1fr 1fr; }
.choice-grid-3 { grid-template-columns: repeat(3, 1fr); }
.choice {
  position: relative; display: flex; align-items: center; gap: 10px; min-height: 50px; padding: 9px 12px;
  border: 1.5px solid var(--line-2); border-radius: var(--r-sm); background: var(--white); cursor: pointer;
  font-weight: 500; font-size: .95rem; line-height: 1.25; color: var(--text);
  transition: border-color .2s, background .2s, box-shadow .2s, transform .15s;
}
.choice:active { transform: scale(.97); }
.choice-grid-3 .choice { flex-direction: column; justify-content: center; text-align: center; gap: 6px; padding: 10px 6px; font-weight: 600; }
.choice:hover { border-color: var(--slate-2); }
.choice input, .consent-label input { position: absolute; opacity: 0; width: 1px; height: 1px; pointer-events: none; }
.choice-box {
  width: 20px; height: 20px; flex: none; border-radius: 5px; border: 1.8px solid var(--line-2); background: var(--white);
  display: grid; place-items: center; transition: background .15s, border-color .15s;
}
.choice-box .icon { width: 13px; height: 13px; stroke-width: 3.2; color: var(--white); visibility: hidden; }
.choice:has(input:checked) { border-color: var(--slate); background: var(--mist); box-shadow: 0 6px 16px -10px rgba(57, 80, 87, .5); }
.choice-box .icon { transform: scale(0); transition: transform .25s var(--ease); }
.choice:has(input:checked) .choice-box .icon, .consent-label:has(input:checked) .choice-box .icon { transform: scale(1); }
.choice:has(input:checked) .choice-box, .consent-label:has(input:checked) .choice-box { background: var(--slate); border-color: var(--slate); }
.choice:has(input:checked) .choice-box .icon, .consent-label:has(input:checked) .choice-box .icon { visibility: visible; }
.choice:has(input:focus-visible), .consent-label:has(input:focus-visible) { outline: 3px solid var(--focus); outline-offset: 2px; }
.field.has-error .choice { border-color: #efb4ac; }

.field-error { display: flex; gap: 6px; align-items: center; color: var(--error); font-weight: 600; font-size: .9rem; margin-top: 6px; }
.field-error:empty { display: none; }
.form-alert { background: var(--error-bg); color: var(--error); border: 1px solid #fbd0c9; padding: 10px 12px; border-radius: var(--r-sm); font-weight: 600; margin-bottom: 16px; }

.consent { background: var(--mist-2); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 12px; }
.consent-label { position: relative; display: flex; gap: 10px; align-items: flex-start; cursor: pointer; font-size: .84rem; line-height: 1.5; color: #43555a; }
.consent-label .choice-box { margin-top: 1px; }
.field.consent.has-error { border-color: var(--error); background: var(--error-bg); }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-foot { padding: 14px 28px 16px; background: var(--mist-2); border-top: 1px solid var(--line); font-size: .95rem; color: var(--muted); text-align: center; }
.form-foot a { display: inline-block; padding: 12px 2px; margin: -12px 0; font-weight: 700; color: var(--text); white-space: nowrap; }
.secure-note { display: flex; justify-content: center; gap: 6px; align-items: center; margin-top: 4px; font-size: .85rem; }
.secure-note .icon { width: 14px; height: 14px; color: var(--slate-2); }

.tpmo-box {
  margin-top: 16px; padding: 14px 16px; border-radius: var(--r); font-size: .88rem; line-height: 1.6;
  color: rgba(255, 255, 255, .75); border: 1px solid rgba(255, 255, 255, .12); border-left: 3px solid var(--gold);
}

@media (max-width: 559px) {
  .hero { padding-top: calc(var(--header-h) + 22px); padding-bottom: 56px; }
  .hero h1 { font-size: 2.15rem; }
  .lead { margin-top: 14px; font-size: 1.04rem; }
  .form-head { padding: 18px 16px 0; }
  .form-head h2 { font-size: 1.35rem; }
  #lead-form { padding: 14px 16px 18px; }
  .field { margin-bottom: 14px; }
  .form-foot { padding: 12px 16px 14px; }
  .credential { display: flex; }
}

/* =========================== Facts bar =========================== */
.facts-bar { background: var(--white); border-bottom: 1px solid var(--line); }
.facts { margin: 0; display: grid; grid-template-columns: 1fr; }
.facts div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 14px 0; }
.facts div + div { border-top: 1px solid var(--line); }
.facts dt { font-size: .9rem; color: var(--muted); }
.facts dd { margin: 0; font-weight: 600; font-size: 1rem; color: var(--text); text-align: right; }
.facts dd a { display: inline-block; padding: 12px 0; margin: -12px 0; color: inherit; text-decoration: none; }
@media (min-width: 900px) {
  .facts { grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 1fr; }
  .facts div { display: block; padding: 26px 24px; }
  .facts div + div { border-top: 0; border-left: 1px solid var(--line); }
  .facts div:first-child { padding-left: 0; }
  .facts dt { font-size: .85rem; }
  .facts dd { margin-top: 2px; font-size: 1.05rem; text-align: left; }
}

/* =========================== Licensed states =========================== */
.states-bar { background: var(--white); border-bottom: 1px solid var(--line); padding: 22px 0; }
.states-inner { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; }
.states-label { font-size: .95rem; font-weight: 600; color: var(--muted); white-space: nowrap; }
.states-list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.states-list abbr {
  display: inline-block; min-width: 46px; padding: 6px 10px; border-radius: 6px; border: 1px solid var(--line-2);
  font-size: .9rem; font-weight: 600; letter-spacing: .04em; text-align: center; text-decoration: none; color: var(--text); cursor: default;
  transition: border-color .2s, color .2s, background .2s;
}
.states-list abbr:hover { border-color: var(--gold); color: var(--gold-text); background: var(--gold-50); }
.states-list > :nth-child(n+7) { animation-delay: .5s !important; }

/* =========================== Sections =========================== */
.section { padding: 72px 0; }
@media (min-width: 1000px) { .section { padding: 96px 0; } }
.section-tint { background: var(--mist-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 720px; margin: 0 0 36px; }
.section-title {
  font-family: var(--serif); font-weight: 500; color: var(--text);
  font-size: clamp(1.75rem, 3vw, 2.4rem); line-height: 1.15; letter-spacing: -.015em;
}
.section-sub { margin-top: 10px; font-size: 1.08rem; color: var(--muted); }

/* reveal on scroll */
.js .reveal { opacity: 0; transform: translateY(28px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.js .reveal.is-visible { opacity: 1; transform: none; }
/* grids: each card rises in turn (uses `translate` so hover `transform` still works) */
.js .reveal.stagger { opacity: 1; transform: none; transition: none; }
.js .stagger > * { opacity: 0; }
.js .stagger.is-visible > * { animation: riseIn .8s var(--ease) both; }
.stagger > :nth-child(2) { animation-delay: .1s !important; }
.stagger > :nth-child(3) { animation-delay: .2s !important; }
.stagger > :nth-child(4) { animation-delay: .3s !important; }
.stagger > :nth-child(5) { animation-delay: .4s !important; }
.stagger > :nth-child(6) { animation-delay: .5s !important; }
@keyframes riseIn { from { opacity: 0; translate: 0 28px; } to { opacity: 1; translate: 0 0; } }

/* steps */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
.step-num { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; border: 1.5px solid var(--gold); color: var(--gold-text); font-weight: 700; font-size: 1.05rem; transition: background .35s, color .35s, border-color .35s; }
.steps li:hover .step-num { background: var(--gold); border-color: var(--gold); color: var(--ink-950); }
.steps h3, .info-card h3 { font-family: var(--serif); font-weight: 500; line-height: 1.25; font-size: 1.35rem; margin: 14px 0 8px; }
.steps p, .info-card p { color: var(--muted); font-size: 1.02rem; }

/* plan cards */
.card-grid { display: grid; gap: 16px; }
@media (min-width: 640px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .card-grid { grid-template-columns: repeat(4, 1fr); } }
.info-card { background: var(--white); border-radius: var(--r-lg); padding: 26px 24px; border: 1px solid var(--line); }
.info-icon { width: 44px; height: 44px; border-radius: var(--r); display: grid; place-items: center; color: var(--gold-text); background: var(--gold-50); transition: background .35s, color .35s, transform .35s var(--ease); }
.info-card:hover .info-icon { background: var(--ink-900); color: var(--gold-300); transform: rotate(-6deg); }

/* shared card hover: lift, shadow and a gold line drawn along the bottom */
.steps li, .info-card, .date-card {
  position: relative; overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.steps li { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px 24px; }
.steps li::after, .info-card::after, .date-card::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-300));
  transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.steps li:hover, .info-card:hover, .date-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.steps li:hover::after, .info-card:hover::after, .date-card:hover::after { transform: scaleX(1); }
.info-icon .icon { width: 22px; height: 22px; }

/* dates */
.timeline { display: grid; gap: 16px; }
@media (min-width: 760px) { .timeline { grid-template-columns: repeat(2, 1fr); } }
.date-card { position: relative; border-radius: var(--r-lg); padding: 26px 24px; background: var(--white); border: 1px solid var(--line); }
.date-card.is-open { background: var(--ink-900); border-color: var(--ink-900); }
.date-card.is-open h3 { color: var(--white); }
.date-card.is-open p, .date-card.is-open p:last-child { color: rgba(255, 255, 255, .78); }
.date-card.is-open .date-range { color: var(--gold-300); }
.date-range { font-size: .9rem; font-weight: 700; color: var(--gold-text); }
.date-card h3 { font-family: var(--serif); font-weight: 500; font-size: 1.35rem; margin: 8px 0 10px; line-height: 1.25; }
.date-card p:last-child { color: var(--muted); font-size: 1.02rem; }
.badge { display: inline-block; margin-bottom: 14px; padding: 4px 10px; border-radius: 6px; font-size: .85rem; font-weight: 700; color: var(--ink-950); background: var(--gold-300); }

/* about */
.section-dark { color: rgba(255, 255, 255, .8); background: radial-gradient(90% 120% at 100% 0%, var(--ink-700), var(--ink-900) 50%, var(--ink-950)); }
.section-dark .section-title { color: var(--white); }
@media (min-width: 900px) { .about-solo .about-points { grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 40px; } }
.about-text { margin-top: 18px; font-size: 1.1rem; line-height: 1.7; color: rgba(255, 255, 255, .78); max-width: 38em; }
.about-points { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 18px; }
.about-points li { display: flex; gap: 14px; align-items: flex-start; }
.about-points .icon { width: 40px; height: 40px; padding: 10px; border-radius: var(--r); color: var(--gold-300); background: rgba(201, 150, 90, .12); }
.about-points strong { display: block; color: var(--white); font-weight: 600; font-size: 1.05rem; margin-bottom: 2px; }
.about-points span { font-size: 1rem; color: rgba(255, 255, 255, .7); }


/* FAQ */
.faq { display: grid; gap: 10px; }
.faq details { border: 1px solid var(--line); border-radius: var(--r); background: var(--white); transition: border-color .3s, box-shadow .3s; }
.faq details:hover { border-color: var(--line-2); }
.faq details[open] { border-color: transparent; box-shadow: var(--shadow); }
.faq summary { transition: color .2s; }
.faq summary:hover { color: var(--gold-text); }
.faq summary { cursor: pointer; list-style: none; position: relative; padding: 18px 54px 18px 20px; font-weight: 600; font-size: 1.08rem; line-height: 1.4; color: var(--text); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 18px; top: 50%; width: 20px; height: 20px; margin-top: -10px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23395057' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center / 20px no-repeat;
  transition: transform .25s ease;
}
.faq details[open] summary::after { transform: rotate(45deg); }
.faq-body { overflow: hidden; }
.faq-body p { padding: 0 20px 20px; color: var(--muted); font-size: 1.04rem; }

/* CTA */
.cta { padding: 0 0 96px; }
.cta-card { border-radius: var(--r-xl); padding: 40px 28px; background: radial-gradient(80% 140% at 100% 0%, rgba(201, 150, 90, .22), transparent 60%), linear-gradient(135deg, var(--ink-800), var(--ink-950)); color: rgba(255, 255, 255, .8); display: grid; gap: 24px; align-items: center; }
.cta h2 { font-family: var(--serif); font-weight: 500; color: var(--white); font-size: clamp(1.7rem, 3vw, 2.3rem); line-height: 1.15; }
.cta-copy > p:last-child { margin-top: 10px; font-size: 1.08rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
@media (min-width: 960px) { .cta-card { grid-template-columns: 1fr auto; padding: 52px 56px; } }
@media (max-width: 559px) { .cta-actions .btn { width: 100%; } .cta { padding-bottom: 64px; } }

/* =========================== Footer =========================== */
.site-footer { background: var(--ink-950); color: rgba(255, 255, 255, .66); padding: 72px 0 calc(36px + env(safe-area-inset-bottom)); font-size: .98rem; }
.site-footer a { color: rgba(255, 255, 255, .9); text-decoration: none; }
.footer-grid a:not(.brand), .footer-bottom a { display: inline-block; padding: 10px 0; min-height: 44px; }
@media (min-width: 700px) and (max-width: 1099px) { .form-col { max-width: 720px; } }
.footer-grid p { line-height: 1.5; }
.site-footer a:hover { color: var(--gold-300); }
.footer-grid { display: grid; gap: 36px; }
@media (min-width: 860px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; gap: 56px; } }
.brand-footer { color: var(--white) !important; margin-bottom: 16px; }
.brand-footer .brand-mark rect { fill: var(--ink-700); }
.footer-about p { max-width: 30em; }
.brand-footer .brand-logo-mark { height: 56px; }
.brand-footer .brand-wordmark img { height: 34px; }
.footer-tagline { font-family: var(--serif); font-style: italic; font-size: 1.2rem; color: var(--gold-300); margin-bottom: 10px; }
.footer-label { font-size: .85rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.footer-legal { margin-top: 52px; padding-top: 32px; border-top: 1px solid rgba(255, 255, 255, .1); display: grid; gap: 14px; font-size: .86rem; line-height: 1.7; }
.footer-tpmo { color: rgba(255, 255, 255, .88); font-weight: 500; font-size: .92rem; padding: 14px 16px; border-radius: var(--r-sm); background: rgba(255, 255, 255, .04); border-left: 3px solid var(--gold); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; margin-top: 10px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .08); }

/* =========================== Mobile bar =========================== */
.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .9); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -12px rgba(15, 27, 31, .25);
  transform: translateY(110%); transition: transform .4s var(--ease);
}
.mobile-bar .btn { min-height: 50px; padding: 10px 12px; font-size: 1.02rem; }
.mobile-bar.is-visible { transform: none; }
@media (min-width: 1100px) { .mobile-bar { display: none; } }
@media (max-width: 1099px) { body.has-mobile-bar .site-footer { padding-bottom: calc(110px + env(safe-area-inset-bottom)); } }

/* =========================== Inner pages =========================== */
.page { padding: 72px 0 110px; background: linear-gradient(180deg, var(--mist-2), var(--white) 320px); }
.page h1 { font-family: var(--serif); font-weight: 500; font-size: clamp(2.2rem, 4.4vw, 3.2rem); letter-spacing: -.02em; line-height: 1.1; margin-bottom: 18px; }
.page h2 { font-family: var(--serif); font-weight: 500; font-size: 1.55rem; margin: 40px 0 12px; }
.page p + p { margin-top: 14px; }
.page ul { padding-left: 22px; }
.page li + li { margin-top: 8px; }
.page .btn { margin-top: 28px; }

.thanks-card { position: relative; max-width: 760px; margin: 0 auto; text-align: center; background: var(--white); border-radius: var(--r-xl); padding: 48px 32px 40px; box-shadow: var(--shadow); border: 1px solid var(--line); border-top: 4px solid var(--gold); }
.thanks-icon { width: 80px; height: 80px; margin: 0 auto 24px; border-radius: 50%; display: grid; place-items: center; background: var(--ink-900); animation: pop .5s var(--ease) both; }
.thanks-icon svg { width: 44px; height: 44px; fill: none; stroke: var(--gold-300); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 30; stroke-dashoffset: 30; animation: draw .6s .35s var(--ease) forwards; }
@keyframes pop { from { transform: scale(.4); opacity: 0; } }
@keyframes draw { to { stroke-dashoffset: 0; } }
.next-steps { text-align: left; list-style: none; padding: 0; margin: 32px 0; display: grid; gap: 14px; counter-reset: n; }
.next-steps li { counter-increment: n; position: relative; padding: 16px 16px 16px 66px; background: var(--mist-2); border: 1px solid var(--line); border-radius: var(--r); }
.next-steps li::before { content: counter(n); position: absolute; left: 16px; top: 50%; transform: translateY(-50%); width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; font-weight: 700; color: var(--gold-text); border: 1.5px solid var(--gold); }

/* =========================== Motion preference =========================== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .js .reveal, .js .anim-in { opacity: 1; transform: none; }
}

/* =========================== Small phones =========================== */
@media (max-width: 559px) {
  .section { padding: 56px 0; }
  .section-head { margin-bottom: 28px; }
  .info-card, .date-card { padding: 22px 20px; }
  .faq summary { font-size: 1.04rem; padding: 16px 50px 16px 18px; }
  .faq summary::after { right: 16px; }
  .faq-body p { padding: 0 18px 18px; }
  .cta-card { padding: 32px 20px; }
}
@media (max-width: 374px) {
  .hero h1 { font-size: 1.95rem; }
  .form-head h2 { font-size: 1.25rem; }
  .choice { padding: 9px 10px; font-size: .9rem; }
  .brand-logo-mark, .site-header.is-scrolled .brand-logo-mark { height: 34px; }
  .brand-wordmark img, .site-header.is-scrolled .brand-wordmark img { height: 20px; }
}

/* =========================== Lead form popup =========================== */
html.modal-open { overflow: hidden; }
html.modal-open .mobile-bar { transform: translateY(110%); }
.lead-modal {
  padding: 0; border: 0; background: transparent; color: inherit;
  width: calc(100% - 32px); max-width: 560px; max-height: calc(100dvh - 32px); overflow: visible;
}
.lead-modal::backdrop { background: rgba(9, 17, 20, .7); }
.lead-modal[open] .modal-shell { animation: modalIn .3s ease-out; }
.lead-modal[open]::backdrop { animation: fadeIn .25s ease; }
.lead-modal.is-closing .modal-shell { animation: modalOut .2s ease forwards; }
.lead-modal.is-closing::backdrop { animation: fadeOut .2s ease forwards; }
@keyframes modalIn { from { opacity: 0; transform: translateY(16px); } }
@keyframes modalOut { to { opacity: 0; transform: translateY(12px); } }
@keyframes fadeIn { from { opacity: 0; } }
@keyframes fadeOut { to { opacity: 0; } }

.modal-shell {
  position: relative; max-height: calc(100dvh - 32px); overflow-y: auto; overscroll-behavior: contain;
  border-radius: var(--r-xl); padding-bottom: 18px; background: var(--ink-900);
  box-shadow: 0 30px 70px -20px rgba(0, 0, 0, .6);
}
/* popup scrollbar: slim gold thumb on a clear track, kept clear of the rounded corners */
.modal-shell::-webkit-scrollbar { width: 12px; }
.modal-shell::-webkit-scrollbar-track { background: transparent; margin: 16px 0; }
.modal-shell::-webkit-scrollbar-thumb { background: rgba(201, 150, 90, .55); border-radius: 99px; border: 4px solid transparent; background-clip: padding-box; }
.modal-shell::-webkit-scrollbar-thumb:hover { background-color: var(--gold-300); }
@supports (-moz-appearance: none) { .modal-shell { scrollbar-width: thin; scrollbar-color: rgba(201, 150, 90, .6) transparent; } }
.modal-close {
  position: absolute; top: 12px; right: 12px; z-index: 2; width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center; border: 0; cursor: pointer; color: var(--white);
  background: rgba(255, 255, 255, .1); transition: background .2s;
}
.modal-close { transition: background .2s, transform .3s var(--ease); }
.modal-close:hover { background: rgba(255, 255, 255, .2); transform: rotate(90deg); }
.modal-close .icon { width: 22px; height: 22px; stroke-width: 2.2; }

.modal-intro { padding: 22px 28px 20px; color: rgba(255, 255, 255, .8); }
.modal-brand { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.modal-brand .brand-logo-mark { height: 42px; }
.modal-brand .brand-wordmark img { height: 26px; }
.modal-brand .wm-light { display: block; }
.modal-intro h2 { font-family: var(--serif); font-weight: 500; color: var(--white); font-size: clamp(1.5rem, 4vw, 1.95rem); line-height: 1.15; }
.modal-intro > p:last-child { margin-top: 8px; font-size: 1rem; line-height: 1.5; }

.modal-body { padding: 0 14px; }
.modal-body .form-card { box-shadow: none; }
.modal-body .form-head h2 { display: none; }
.modal-body .form-head { padding-top: 16px; }
.modal-body .form-progress { margin-top: 0; }
.modal-tpmo { margin: 14px 22px 0; font-size: .85rem; line-height: 1.55; color: rgba(255, 255, 255, .62); }

@media (max-width: 599px) {
  .lead-modal { width: 100%; max-width: none; height: 100dvh; max-height: 100dvh; margin: 0; }
  .modal-shell { height: 100%; max-height: 100dvh; border-radius: 0; padding-bottom: calc(20px + env(safe-area-inset-bottom)); }
  .lead-modal[open] .modal-shell { animation: sheetIn .3s ease-out; }
  .lead-modal.is-closing .modal-shell { animation: sheetOut .2s ease forwards; }
  @keyframes sheetIn { from { transform: translateY(100%); } }
  @keyframes sheetOut { to { transform: translateY(100%); } }
  .modal-intro { padding: 14px 16px 14px; }
  .modal-brand { margin-bottom: 10px; }
  .modal-brand .brand-logo-mark { height: 34px; }
  .modal-brand .brand-wordmark img { height: 20px; }
  .modal-intro h2 { font-size: 1.4rem; padding-right: 40px; }
  .modal-intro > p:last-child { font-size: .95rem; }
  .modal-close { top: 10px; right: 10px; }
  .modal-body { padding: 0 8px; }
  .modal-tpmo { margin: 14px 14px 0; }
}
.modal-shell:focus { outline: none; }

/* =========================== Coverage page bits =========================== */
@media (min-width: 900px) { .card-grid-3 { grid-template-columns: repeat(3, 1fr); } }
.footer-states { color: rgba(255, 255, 255, .78); }
.footer-states strong { color: var(--white); font-weight: 600; }