/* ============================================================
   WEALTHYSTAR - Health Protection. Family Security.
   Premium health-insurance advisory website stylesheet.
   Mobile-first · Conversion-focused · Accessible
   ============================================================ */

/* ---------- 1. Design tokens ---------- */
:root {
  /* Brand palette */
  --deep-indigo: #1B2A5E;
  --navy: #0F1B3D;
  --royal: #2456E6;
  --mid-blue: #3B82F6;
  --sky: #DBEAFE;
  --sky-soft: #EAF3FF;
  --light: #F4F8FF;
  --white: #FFFFFF;
  --ink: #15203F;
  --muted: #5C6B8C;
  --line: #E1E9F6;
  --success: #0F9D58;
  --success-bg: #E7F6EF;

  /* Gradients */
  --grad-hero: linear-gradient(135deg, #0F1B3D 0%, #1B2A5E 45%, #2456E6 100%);
  --grad-cta: linear-gradient(120deg, #2456E6 0%, #1B2A5E 100%);
  --grad-soft: linear-gradient(160deg, #EAF3FF 0%, #F4F8FF 100%);

  /* Typography */
  --font-head: "Manrope", "Segoe UI", Arial, sans-serif;
  --font-body: "Inter", "Segoe UI", Arial, sans-serif;

  /* Shape & depth */
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 10px rgba(15, 27, 61, 0.06);
  --shadow: 0 10px 34px rgba(15, 27, 61, 0.10);
  --shadow-lg: 0 22px 60px rgba(15, 27, 61, 0.16);

  /* Layout */
  --container: 1160px;
  --gutter: clamp(18px, 4vw, 32px);
  --focus-ring: 0 0 0 4px rgba(59, 130, 246, 0.35);
}

/* ---------- 2. Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--royal); text-decoration: none; transition: color 0.2s ease; }
a:hover { color: var(--deep-indigo); }
button { font-family: inherit; cursor: pointer; }
input, select, textarea { font-family: inherit; font-size: 1rem; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  font-weight: 800;
  line-height: 1.18;
  color: var(--navy);
  letter-spacing: -0.015em;
}

:focus-visible { outline: 3px solid var(--mid-blue); outline-offset: 2px; border-radius: 4px; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  margin: -1px; padding: 0; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute; top: -60px; left: 16px;
  background: var(--navy); color: #fff; padding: 10px 16px;
  border-radius: 8px; z-index: 2000; transition: top 0.2s ease;
}
.skip-link:focus { top: 12px; color: #fff; }

/* ---------- 3. Layout utilities ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }

.section { padding: clamp(56px, 8vw, 92px) 0; }
.section--soft { background: var(--sky-soft); }
.section--grad { background: var(--grad-hero); color: #fff; }
.section--dark { background: var(--navy); color: #fff; }

.section-head { max-width: 760px; margin: 0 auto clamp(32px, 5vw, 52px); text-align: center; }
.section-head .eyebrow { margin-bottom: 14px; }
.section-head h2 { font-size: clamp(1.7rem, 3.6vw, 2.55rem); margin-bottom: 14px; }
.section-head p { color: var(--muted); font-size: clamp(1rem, 1.2vw, 1.1rem); }
.section--dark .section-head h2 { color: #fff; }
.section--dark .section-head p { color: #C9D6F2; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--royal);
  background: var(--sky); border: 1px solid #C7DBFF;
  padding: 7px 14px; border-radius: 999px;
}
.section--dark .eyebrow { color: #fff; background: rgba(255, 255, 255, 0.12); border-color: rgba(255, 255, 255, 0.22); }

/* ---------- 4. Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-head); font-weight: 800; font-size: 0.98rem;
  letter-spacing: 0.01em; text-align: center;
  padding: 15px 28px; border-radius: 999px; border: 2px solid transparent;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
  will-change: transform;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn--primary { background: var(--grad-cta); color: #fff; box-shadow: 0 12px 26px rgba(36, 86, 230, 0.32); }
.btn--primary:hover { color: #fff; box-shadow: 0 16px 34px rgba(36, 86, 230, 0.42); }

.btn--whatsapp { background: #1DA851; color: #fff; box-shadow: 0 12px 26px rgba(29, 168, 81, 0.30); }
.btn--whatsapp:hover { background: #189345; color: #fff; box-shadow: 0 16px 34px rgba(29, 168, 81, 0.40); }

.btn--outline { background: transparent; color: var(--royal); border-color: var(--royal); }
.btn--outline:hover { background: var(--royal); color: #fff; }

.btn--white { background: #fff; color: var(--royal); box-shadow: 0 12px 26px rgba(15, 27, 61, 0.20); }
.btn--white:hover { color: var(--deep-indigo); transform: translateY(-2px); }

.btn--ghost-light { background: rgba(255, 255, 255, 0.1); color: #fff; border-color: rgba(255, 255, 255, 0.35); }
.btn--ghost-light:hover { background: rgba(255, 255, 255, 0.2); color: #fff; }

.btn--call { background: var(--deep-indigo); color: #fff; }
.btn--call:hover { background: var(--navy); color: #fff; }

.btn--block { width: 100%; }
.btn--sm { padding: 11px 20px; font-size: 0.88rem; }
.btn--lg { padding: 17px 34px; font-size: 1.05rem; }

.btn .icon { width: 20px; height: 20px; flex: 0 0 auto; }

/* ---------- 5. Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 999;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.3s ease;
}
.site-header.is-scrolled { box-shadow: 0 6px 24px rgba(15, 27, 61, 0.08); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 14px 0; }

.brand { display: flex; align-items: center; gap: 12px; }
.brand__mark { width: 46px; height: 46px; flex: 0 0 auto; }
.brand__name { font-family: var(--font-head); font-weight: 800; font-size: 1.28rem; line-height: 1; color: var(--navy); letter-spacing: 0.01em; }
.brand__name span { color: var(--royal); }
.brand__tag { display: block; font-size: 0.64rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }

.main-nav ul { display: flex; align-items: center; gap: 6px; list-style: none; }
.main-nav a {
  display: inline-flex; align-items: center; padding: 9px 13px;
  font-family: var(--font-head); font-size: 0.92rem; font-weight: 700;
  color: var(--ink); border-radius: 10px;
}
.main-nav a:hover { background: var(--sky-soft); color: var(--royal); }
.main-nav a[aria-current="page"] { color: var(--royal); background: var(--sky-soft); }

.header-actions { display: flex; align-items: center; gap: 10px; }

.nav-toggle {
  display: none; width: 46px; height: 46px;
  background: var(--sky-soft); border: 1px solid var(--line); border-radius: 12px;
  align-items: center; justify-content: center;
}
.nav-toggle .bars, .nav-toggle .bars::before, .nav-toggle .bars::after {
  content: ""; display: block; width: 20px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform 0.25s ease, opacity 0.25s ease;
}
.nav-toggle .bars { position: relative; }
.nav-toggle .bars::before { position: absolute; top: -6px; }
.nav-toggle .bars::after { position: absolute; top: 6px; }
.nav-toggle[aria-expanded="true"] .bars { background: transparent; }
.nav-toggle[aria-expanded="true"] .bars::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .bars::after { transform: translateY(-6px) rotate(-45deg); }

/* ---------- 6. Hero ---------- */
.hero {
  background: var(--grad-hero);
  color: #fff;
  padding: clamp(56px, 8vw, 100px) 0 clamp(60px, 8vw, 90px);
  border-radius: 0 0 34px 34px;
  position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -140px; top: -140px;
  width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.35), transparent 70%);
  pointer-events: none;
}
.hero__grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(32px, 5vw, 64px); align-items: center; position: relative; z-index: 1; }
.hero__eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255, 255, 255, 0.12); border: 1px solid rgba(255, 255, 255, 0.22);
  color: #fff; padding: 8px 16px; border-radius: 999px;
  font-family: var(--font-head); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.06em;
}
.hero h1 { color: #fff; font-size: clamp(2.1rem, 5vw, 3.4rem); margin: 20px 0 18px; }
.hero h1 .accent { color: #8FBCFF; }
.hero p.lead { color: #C9D6F2; font-size: clamp(1.02rem, 1.5vw, 1.2rem); max-width: 540px; margin-bottom: 30px; }
.hero .adviser-chip {
  display: inline-flex; align-items: center; gap: 10px;
  margin-top: 26px; color: #fff;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 10px 18px; border-radius: 999px;
  font-family: var(--font-head); font-weight: 700; font-size: 0.9rem;
}
.hero .adviser-chip .dot { width: 8px; height: 8px; border-radius: 50%; background: #4ADE80; box-shadow: 0 0 0 4px rgba(74, 222, 128, 0.2); }

.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

.hero__visual { position: relative; }
.hero__visual img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }

.hero__badge {
  position: absolute; background: #fff; color: var(--navy);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 12px 16px; display: flex; align-items: center; gap: 10px;
  font-family: var(--font-head); font-weight: 800; font-size: 0.85rem;
}
.hero__badge .icon-badge { width: 34px; height: 34px; border-radius: 10px; background: var(--sky-soft); display: flex; align-items: center; justify-content: center; }
.hero__badge--tl { top: -16px; left: -14px; }
.hero__badge--br { bottom: -14px; right: -12px; }

.hero--inner { padding: clamp(48px, 7vw, 84px) 0; }
.hero--inner .hero__grid { grid-template-columns: 1.2fr 0.8fr; }

/* ---------- 7. Card grid ---------- */
.grid { display: grid; gap: clamp(18px, 2.6vw, 28px); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 34px);
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: #C7DBFF; }

.card__icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: var(--grad-soft); border: 1px solid #C7DBFF;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; color: var(--royal);
}
.card__icon svg { width: 28px; height: 28px; }
.card h3 { font-size: 1.16rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.95rem; }
.card .card-link { font-family: var(--font-head); font-weight: 800; font-size: 0.92rem; display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; }

.card--feature { display: flex; align-items: flex-start; }
.card--feature .card__icon { flex: 0 0 auto; }

.card--step { text-align: center; position: relative; padding-top: 40px; }
.card--step .step-num {
  position: absolute; top: -22px; left: 50%; transform: translateX(-50%);
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--grad-cta); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 800; font-size: 1.1rem;
  box-shadow: 0 10px 22px rgba(36, 86, 230, 0.35);
}
.card--step .card__icon { margin-left: auto; margin-right: auto; }

/* ---------- 8. Quick lead form ---------- */
.quote-card {
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg);
  display: grid; grid-template-columns: 1fr 1.05fr; border: 1px solid var(--line);
}
.quote-card__intro {
  background: var(--grad-hero); color: #fff;
  padding: clamp(28px, 4vw, 48px);
  display: flex; flex-direction: column; justify-content: center; gap: 16px;
}
.quote-card__intro h2 { color: #fff; font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
.quote-card__intro p { color: #C9D6F2; }
.quote-card__intro ul { list-style: none; display: flex; flex-direction: column; gap: 12px; margin-top: 8px; }
.quote-card__intro li { display: flex; gap: 10px; align-items: flex-start; color: #E8F0FF; font-size: 0.95rem; }
.quote-card__intro li svg { flex: 0 0 auto; margin-top: 3px; color: #8FBCFF; width: 18px; height: 18px; }

.quote-card__form { padding: clamp(24px, 4vw, 44px); background: #fff; }

/* ---------- 9. Forms ---------- */
.field { margin-bottom: 16px; }
.field label { display: block; font-family: var(--font-head); font-weight: 700; font-size: 0.86rem; color: var(--navy); margin-bottom: 7px; }
.field .req { color: var(--royal); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 16px;
  border: 1.5px solid var(--line); border-radius: 12px;
  background: var(--light); color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.field input::placeholder, .field textarea::placeholder { color: #9AA8C6; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--royal); background: #fff; box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.16);
}
.field--two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.field .hint { font-size: 0.78rem; color: var(--muted); margin-top: 5px; }

.form-note { font-size: 0.8rem; color: var(--muted); display: flex; gap: 8px; align-items: flex-start; margin-top: 14px; }
.form-note svg { flex: 0 0 auto; color: var(--royal); margin-top: 2px; width: 15px; height: 15px; }

/* Form success */
.form-success {
  display: none; text-align: center;
  background: var(--success-bg); border: 1px solid #BFE8CE;
  border-radius: var(--radius-lg); padding: clamp(26px, 4vw, 40px);
}
.form-success.is-visible { display: block; }
.form-success .tick {
  width: 68px; height: 68px; margin: 0 auto 16px;
  border-radius: 50%; background: var(--success); color: #fff;
  display: flex; align-items: center; justify-content: center;
}
.form-success .tick svg { width: 32px; height: 32px; }
.form-success h3 { color: #0B5C31; margin-bottom: 8px; }
.form-success p { color: #156A39; margin-bottom: 22px; }
.form-success .actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

/* ---------- 10. Features / benefit list ---------- */
.check-list { list-style: none; display: flex; flex-direction: column; gap: 13px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .check {
  flex: 0 0 auto; width: 24px; height: 24px; margin-top: 2px;
  border-radius: 50%; background: var(--success-bg); color: var(--success);
  display: flex; align-items: center; justify-content: center;
}
.check-list .check svg { width: 13px; height: 13px; }
.check-list b { color: var(--navy); font-weight: 700; }
.check-list span { color: var(--muted); display: block; }

/* ---------- 11. Band / split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
.split__media img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.split h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); margin-bottom: 16px; }
.split p { color: var(--muted); margin-bottom: 14px; }
.split .check-list { margin: 22px 0 26px; }

/* ---------- 12. Steps ---------- */
.steps { counter-reset: step; }

/* ---------- 13. CTA banner ---------- */
.cta-banner {
  background: var(--grad-cta);
  border-radius: var(--radius-lg);
  padding: clamp(32px, 6vw, 64px);
  text-align: center; color: #fff; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ""; position: absolute; left: -60px; bottom: -80px;
  width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.4), transparent 70%);
}
.cta-banner::after {
  content: ""; position: absolute; right: -60px; top: -80px;
  width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.12), transparent 70%);
}
.cta-banner h2 { color: #fff; font-size: clamp(1.6rem, 3.4vw, 2.5rem); margin-bottom: 14px; position: relative; z-index: 1; }
.cta-banner p { color: #D7E2FB; font-size: 1.05rem; margin-bottom: 28px; position: relative; z-index: 1; }
.cta-banner .cta-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; position: relative; z-index: 1; }
.cta-banner .contact-line { margin-top: 20px; font-size: 0.92rem; color: #C9D6F2; position: relative; z-index: 1; }
.cta-banner .contact-line a { color: #fff; font-weight: 700; }

/* ---------- 14. FAQ accordion ---------- */
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.faq-item.is-open { border-color: #C7DBFF; box-shadow: var(--shadow); }
.faq-item__q {
  width: 100%; text-align: left; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 20px 22px; background: none; border: none; border-radius: 0;
  font-family: var(--font-head); font-weight: 800; font-size: 1.02rem; color: var(--navy);
}
.faq-item__q .faq-icon {
  flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%;
  background: var(--sky-soft); color: var(--royal);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.25s ease, background 0.25s ease, color 0.25s ease;
}
.faq-item__q .faq-icon svg { width: 14px; height: 14px; }
.faq-item.is-open .faq-icon { transform: rotate(180deg); background: var(--royal); color: #fff; }
.faq-item__a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item__a-inner { padding: 0 22px 22px; color: var(--muted); max-width: 720px; }
.faq-item__a-inner p + p { margin-top: 10px; }
.faq-item__a-inner ul { padding-left: 20px; display: flex; flex-direction: column; gap: 6px; margin-top: 8px; }

/* ---------- 15. Comparison table ---------- */
.compare-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.compare-table { width: 100%; min-width: 640px; border-collapse: collapse; background: #fff; }
.compare-table th, .compare-table td { padding: 16px 20px; text-align: left; font-size: 0.95rem; }
.compare-table thead th { background: var(--grad-hero); color: #fff; font-family: var(--font-head); font-weight: 800; }
.compare-table tbody th { background: var(--sky-soft); color: var(--navy); font-family: var(--font-head); font-weight: 700; width: 220px; }
.compare-table tbody td { color: var(--ink); border-top: 1px solid var(--line); }
.compare-table tbody tr:nth-child(even) td { background: var(--light); }

/* ---------- 16. Categories / tiles ---------- */
.cat-card { position: relative; overflow: hidden; }
.cat-card .cat-media { border-radius: calc(var(--radius-lg) - 6px); overflow: hidden; margin-bottom: 20px; aspect-ratio: 16/10; background: var(--grad-soft); display: flex; align-items: center; justify-content: center; }
.cat-card .cat-media img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- 17. Floating actions ---------- */
.floating-actions { position: fixed; right: 18px; bottom: 18px; z-index: 900; display: flex; flex-direction: column; gap: 12px; align-items: flex-end; }

.wa-float {
  display: flex; align-items: center; gap: 10px;
  background: #1DA851; color: #fff; padding: 14px 20px; border-radius: 999px;
  font-family: var(--font-head); font-weight: 800; font-size: 0.92rem;
  box-shadow: 0 12px 30px rgba(29, 168, 81, 0.4);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  animation: wa-pulse 2.4s infinite;
}
.wa-float:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 16px 36px rgba(29, 168, 81, 0.5); }
.wa-float .icon { width: 24px; height: 24px; }
@keyframes wa-pulse {
  0%, 100% { box-shadow: 0 12px 30px rgba(29, 168, 81, 0.4); }
  50% { box-shadow: 0 12px 34px rgba(29, 168, 81, 0.62); }
}

.call-float {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 950;
  background: var(--grad-cta); color: #fff;
  padding: 12px 18px; font-family: var(--font-head); font-weight: 800; font-size: 1.02rem;
  align-items: center; justify-content: center; gap: 10px;
  box-shadow: 0 -6px 22px rgba(15, 27, 61, 0.28);
}
.call-float:hover { color: #fff; }
.call-float .icon { width: 22px; height: 22px; }

/* ---------- 18. Footer ---------- */
.site-footer { background: var(--navy); color: #C9D6F2; font-size: 0.94rem; padding: clamp(48px, 7vw, 80px) 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr; gap: clamp(28px, 4vw, 56px); padding-bottom: clamp(36px, 5vw, 56px); }
.footer-brand .brand__name { color: #fff; font-size: 1.5rem; }
.footer-brand .brand__name span { color: #8FBCFF; }
.footer-brand p { margin: 14px 0 20px; color: #A9B8DA; max-width: 340px; }
.footer-brand .socials { display: flex; gap: 10px; }
.footer-brand .socials a {
  width: 40px; height: 40px; border-radius: 12px;
  background: rgba(255, 255, 255, 0.08); border: 1px solid rgba(255, 255, 255, 0.14);
  display: flex; align-items: center; justify-content: center; color: #fff;
}
.footer-brand .socials a:hover { background: var(--royal); border-color: var(--royal); }

.site-footer h4 {
  color: #fff; font-size: 1rem; margin-bottom: 18px; letter-spacing: 0.02em;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.footer-links a { color: #A9B8DA; }
.footer-links a:hover { color: #fff; }

.footer-contact { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.footer-contact li { display: flex; gap: 12px; align-items: flex-start; }
.footer-contact .fc-icon {
  flex: 0 0 auto; width: 36px; height: 36px; border-radius: 10px;
  background: rgba(255, 255, 255, 0.08); border: 1px solid rgba(255, 255, 255, 0.14);
  display: flex; align-items: center; justify-content: center; color: #8FBCFF;
}
.footer-contact .fc-icon svg { width: 17px; height: 17px; }
.footer-contact a { color: #fff; font-weight: 700; }

.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.12); padding: 22px 0; }
.footer-bottom .container { display: flex; align-items: center; justify-content: space-between; gap: 14px; flex-wrap: wrap; }
.footer-bottom p { color: #8FA0C8; font-size: 0.85rem; }
.footer-bottom nav { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-bottom nav a { color: #A9B8DA; font-size: 0.88rem; }
.footer-bottom nav a:hover { color: #fff; }
.footer-note { font-size: 0.79rem; color: #7487B4; margin-top: 8px; max-width: 980px; }

/* ---------- 19. Breadcrumbs ---------- */
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; font-size: 0.88rem; margin-bottom: 22px; }
.breadcrumbs a, .breadcrumbs span { color: #C9D6F2; font-weight: 600; }
.breadcrumbs a:hover { color: #fff; }
.breadcrumbs .sep { color: #7C8FC0; }
.breadcrumbs [aria-current="page"] { color: #fff; }

/* ---------- 20. Sub-hero ---------- */
.page-hero {
  background: var(--grad-hero); color: #fff;
  padding: clamp(46px, 7vw, 80px) 0;
  border-radius: 0 0 30px 30px;
}
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4.4vw, 3rem); margin: 18px 0 14px; }
.page-hero p { color: #C9D6F2; max-width: 660px; font-size: clamp(1rem, 1.4vw, 1.13rem); }
.page-hero .hero-cta { margin-top: 26px; }
.page-hero--split { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(24px, 4vw, 56px); align-items: center; }
.page-hero__visual img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }

/* Sticky side card */
.sticky-help { position: sticky; top: 96px; }

.help-card {
  background: var(--grad-cta); color: #fff; border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 32px); box-shadow: var(--shadow);
}
.help-card h3 { color: #fff; margin-bottom: 8px; }
.help-card p { color: #D7E2FB; font-size: 0.95rem; margin-bottom: 20px; }
.help-card .btn { width: 100%; margin-bottom: 12px; }
.help-card .divider { display: flex; align-items: center; gap: 12px; color: #8FBCFF; font-size: 0.8rem; font-weight: 700; margin: 14px 0; }
.help-card .divider::before, .help-card .divider::after { content: ""; flex: 1; height: 1px; background: rgba(255, 255, 255, 0.2); }
.help-card .contact-quick { text-align: center; }
.help-card .contact-quick a { display: block; color: #fff; font-weight: 800; font-family: var(--font-head); font-size: 1.02rem; }
.help-card .contact-quick a + a { margin-top: 6px; }
.help-card .contact-quick span { font-size: 0.78rem; color: #AFC3EC; }

/* Note callout */
.note-callout {
  display: flex; gap: 14px; align-items: flex-start;
  background: #FFF8E7; border: 1px solid #F3E0AE; border-radius: var(--radius);
  padding: 18px 20px; font-size: 0.93rem; color: #6B5315;
}
.note-callout svg { flex: 0 0 auto; width: 20px; height: 20px; color: #D99A1B; margin-top: 2px; }
.note-callout--info { background: var(--sky-soft); border-color: #C7DBFF; color: var(--deep-indigo); }
.note-callout--info svg { color: var(--royal); }

/* Checklist tiles */
.check-tile { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.check-tile .check { flex: 0 0 auto; width: 30px; height: 30px; border-radius: 10px; background: var(--success-bg); color: var(--success); display: flex; align-items: center; justify-content: center; }
.check-tile .check svg { width: 16px; height: 16px; }
.check-tile h4 { font-size: 1.02rem; margin-bottom: 5px; }
.check-tile p { color: var(--muted); font-size: 0.92rem; }

/* Contact info blocks */
.contact-block { text-align: center; }
.contact-block .contact-block__icon { width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 18px; background: var(--grad-soft); border: 1px solid #C7DBFF; display: flex; align-items: center; justify-content: center; color: var(--royal); }
.contact-block .contact-block__icon svg { width: 30px; height: 30px; }
.contact-block h3 { font-size: 1.05rem; margin-bottom: 6px; }
.contact-block p { color: var(--muted); font-size: 0.95rem; margin-bottom: 8px; }
.contact-block a.big { font-family: var(--font-head); font-weight: 800; font-size: 1.14rem; color: var(--royal); display: inline-block; }

/* Map placeholder */
.map-placeholder {
  border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line);
  background: var(--grad-soft); min-height: 300px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px; text-align: center; padding: 30px;
  color: var(--muted); position: relative;
}
.map-placeholder .pin { width: 64px; height: 64px; color: var(--royal); }
.map-placeholder b { color: var(--navy); }

/* Legal prose */
.prose { max-width: 800px; }
.prose h2 { font-size: 1.35rem; margin: 36px 0 14px; }
.prose h3 { font-size: 1.12rem; margin: 26px 0 10px; }
.prose p { color: var(--muted); margin-bottom: 14px; }
.prose ul { padding-left: 22px; color: var(--muted); display: flex; flex-direction: column; gap: 8px; margin-bottom: 16px; }
.prose a { font-weight: 600; }

/* Comparison chips (things to compare) */
.tc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.tc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; display: flex; gap: 14px; align-items: flex-start; }
.tc-card .tc-icon { flex: 0 0 auto; width: 42px; height: 42px; border-radius: 12px; background: var(--sky-soft); color: var(--royal); display: flex; align-items: center; justify-content: center; }
.tc-card .tc-icon svg { width: 22px; height: 22px; }
.tc-card h3 { font-size: 1rem; margin-bottom: 4px; }
.tc-card p { color: var(--muted); font-size: 0.9rem; }

/* About profile */
.profile-card { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--line); background: #fff; }
.profile-card__photo { aspect-ratio: 1 / 1; background: var(--grad-soft); position: relative; display: flex; align-items: center; justify-content: center; }
.profile-card__photo .user-svg { width: 62%; color: #B9CDEF; }
.profile-card__photo .photo-tag { position: absolute; bottom: 14px; left: 50%; transform: translateX(-50%); background: rgba(15, 27, 61, 0.85); color: #fff; font-size: 0.74rem; padding: 7px 12px; border-radius: 999px; white-space: nowrap; }
.profile-card__body { padding: 24px; text-align: center; }
.profile-card__body h3 { font-size: 1.25rem; }
.profile-card__body .role { color: var(--royal); font-weight: 700; font-family: var(--font-head); font-size: 0.9rem; margin-bottom: 12px; }
.profile-card__body .p-links { list-style: none; display: flex; flex-direction: column; gap: 8px; margin-top: 14px; }
.profile-card__body .p-links a { display: flex; align-items: center; justify-content: center; gap: 8px; font-weight: 700; }

/* Ripple micro animation on primary CTAs */
.btn:not([disabled]) { position: relative; overflow: hidden; }
.btn:not([disabled])::after {
  content: ""; position: absolute; top: 50%; left: 50%;
  width: 0; height: 0; border-radius: 50%;
  background: rgba(255, 255, 255, 0.28);
  transform: translate(-50%, -50%);
  opacity: 0;
  transition: width 0.5s ease, height 0.5s ease, opacity 0.5s ease;
}
.btn:not([disabled]):active::after {
  width: 300px; height: 300px; opacity: 1; transition: 0s;
}

/* ---------- 21. Back-to-top ---------- */
.to-top {
  position: fixed; left: 18px; bottom: 18px; z-index: 900;
  width: 44px; height: 44px; border-radius: 12px;
  border: none; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none; transform: translateY(14px);
  transition: opacity 0.25s ease, transform 0.25s ease;
  box-shadow: var(--shadow);
}
.to-top.is-visible { opacity: 1; pointer-events: auto; transform: translateY(0); }
.to-top svg { width: 20px; height: 20px; }

/* ---------- 21b. Two-column content layout ---------- */
.layout-2col { display: grid; grid-template-columns: 1.62fr 0.88fr; gap: clamp(28px, 4vw, 48px); align-items: start; }

/* ---------- 22. Responsive ---------- */
@media (max-width: 1024px) {
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .quote-card { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .hero__grid, .hero--inner .hero__grid, .page-hero--split, .split { grid-template-columns: 1fr; }
  .layout-2col { grid-template-columns: 1fr; }
  .sticky-help { position: static; }
  .hero__visual { margin-top: 8px; }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .main-nav {
    position: fixed; inset: 76px 0 auto 0; height: calc(100dvh - 76px);
    background: #fff; padding: 24px var(--gutter);
    transform: translateY(-110%); transition: transform 0.28s ease;
    overflow-y: auto; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-lg);
  }
  .main-nav.is-open { transform: translateY(0); }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 4px; }
  .main-nav a { padding: 14px 14px; font-size: 1rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .main-nav a[aria-current="page"] { background: var(--sky-soft); }
  .nav-toggle { display: inline-flex; }
  .header-actions .btn { display: none; }
  .call-float { display: flex; }
  .section { padding: 52px 0; }
  body { padding-bottom: 68px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .grid--3, .grid--4, .grid--2 { grid-template-columns: 1fr; }
  .tc-grid, .form-row { grid-template-columns: 1fr; }
  .field--two { grid-template-columns: 1fr; gap: 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero__badge--tl { left: 4px; }
  .hero__badge--br { right: 4px; bottom: -10px; }
  .floating-actions { right: 14px; bottom: 78px; }
  .wa-float { padding: 12px 16px; font-size: 0.84rem; }
  .wa-float .wa-label { display: none; }
  .wa-float { border-radius: 50%; width: 54px; height: 54px; justify-content: center; }
  .call-float { font-size: 1rem; }
}

@media (max-width: 420px) {
  .brand__tag { display: none; }
}