/* Premium Policy Claim — shared site styles */
:root {
  --ink: #17233d;
  --ink-soft: #5b6780;
  --muted: #8791a5;
  --paper: #fbfcff;
  --white: #ffffff;
  --line: #e6eaf2;
  --navy: #182644;
  --navy-2: #26385e;
  --coral: #f06a5c;
  --coral-dark: #d95249;
  --mint: #43c9b0;
  --mint-soft: #e8fbf6;
  --sun: #f4c45c;
  --lavender: #8b7cf5;
  --lavender-soft: #f0edff;
  --blue-soft: #eaf3ff;
  --shadow: 0 22px 60px rgba(26, 42, 78, 0.10);
  --shadow-small: 0 10px 28px rgba(26, 42, 78, 0.08);
  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
a:hover { color: inherit; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
::selection { background: rgba(240, 106, 92, 0.22); }

/* A small grid fallback keeps the Bootstrap column classes usable in a local preview too. */
.container {
  width: calc(100% - 2rem);
  max-width: 1180px;
  margin-right: auto;
  margin-left: auto;
}
.row {
  display: flex;
  flex-wrap: wrap;
  margin-right: -0.75rem;
  margin-left: -0.75rem;
}
.row > * {
  width: 100%;
  max-width: 100%;
  padding-right: 0.75rem;
  padding-left: 0.75rem;
}
.g-4 { row-gap: 1.5rem; }
.g-5 { row-gap: 3rem; }
.g-0 { row-gap: 0; }
.col-12 { flex: 0 0 auto; width: 100%; }
.align-items-center { align-items: center; }
.invalid-feedback { display: none; margin-top: 6px; color: #b64b41; font-size: 0.72rem; }
.was-validated .form-control:invalid ~ .invalid-feedback,
.was-validated .form-select:invalid ~ .invalid-feedback { display: block; }
.was-validated .form-control:invalid, .was-validated .form-select:invalid { border-color: #e68479; }
.was-validated .form-control:valid, .was-validated .form-select:valid { border-color: #8bd9cb; }

@media (min-width: 576px) {
  .col-sm-6 { flex: 0 0 auto; width: 50%; }
}
@media (min-width: 768px) {
  .col-md-6 { flex: 0 0 auto; width: 50%; }
}
@media (min-width: 992px) {
  .col-lg-4 { flex: 0 0 auto; width: 33.333333%; }
  .col-lg-5 { flex: 0 0 auto; width: 41.666667%; }
  .col-lg-6 { flex: 0 0 auto; width: 50%; }
  .col-lg-7 { flex: 0 0 auto; width: 58.333333%; }
  .col-lg-8 { flex: 0 0 auto; width: 66.666667%; }
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: -60px;
  left: 16px;
  padding: 10px 16px;
  color: var(--white);
  background: var(--navy);
  border-radius: 0 0 10px 10px;
  transition: top 0.2s ease;
}
.skip-link:focus { top: 0; }

/* Header */
.topbar {
  color: #dbe4f8;
  background: var(--navy);
  font-size: 0.78rem;
  letter-spacing: 0.01em;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 36px;
  gap: 12px;
}
.topbar p, .topbar span { margin: 0; }
.topbar a { color: #fff; }
.topbar a:hover { color: var(--sun); }
.topbar-right { display: flex; gap: 18px; align-items: center; }
.topbar-badge { color: #b8f0e5; }
.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  background: rgba(251, 252, 255, 0.93);
  border-bottom: 1px solid rgba(230, 234, 242, 0.9);
  backdrop-filter: blur(16px);
}
.navbar { min-height: 76px; }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}
.brand {
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  gap: 10px;
  color: var(--ink);
}
.brand:hover { color: var(--ink); }
.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  color: var(--white);
  background: linear-gradient(145deg, var(--coral), #ff9477);
  border-radius: 13px 13px 13px 4px;
  box-shadow: 0 8px 20px rgba(240, 106, 92, 0.25);
}
.brand-mark svg { width: 25px; height: 25px; }
.brand-name { display: block; font-size: 0.99rem; font-weight: 800; line-height: 1; letter-spacing: -0.02em; }
.brand-subtitle { display: block; margin-top: 4px; color: var(--muted); font-size: 0.58rem; font-weight: 800; letter-spacing: 0.18em; line-height: 1; }
.nav-menu { display: flex; align-items: center; justify-content: flex-end; gap: 26px; }
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-link {
  position: relative;
  padding: 7px 0;
  color: #56627a;
  font-size: 0.9rem;
  font-weight: 650;
  transition: color 0.2s ease;
}
.nav-link::after {
  position: absolute;
  right: 0;
  bottom: 0;
  left: 0;
  height: 2px;
  background: var(--coral);
  border-radius: 5px;
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}
.nav-link:hover, .nav-link.active { color: var(--ink); }
.nav-link.active::after, .nav-link:hover::after { transform: scaleX(1); }
.navbar-toggler {
  display: none;
  width: 44px;
  height: 42px;
  padding: 0;
  color: var(--ink);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
}
.navbar-toggler span, .navbar-toggler::before, .navbar-toggler::after {
  display: block;
  width: 19px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
  border-radius: 3px;
  content: "";
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.navbar-toggler.is-open span { opacity: 0; }
.navbar-toggler.is-open::before { transform: translateY(6px) rotate(45deg); }
.navbar-toggler.is-open::after { transform: translateY(-6px) rotate(-45deg); }

/* Buttons and repeated UI */
.site-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 11px 19px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 800;
  line-height: 1.2;
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.site-btn:hover { color: inherit; transform: translateY(-2px); }
.site-btn-primary { color: var(--white); background: var(--coral); box-shadow: 0 10px 20px rgba(240, 106, 92, 0.2); }
.site-btn-primary:hover { color: var(--white); background: var(--coral-dark); box-shadow: 0 14px 28px rgba(240, 106, 92, 0.28); }
.site-btn-dark { color: var(--white); background: var(--navy); box-shadow: 0 10px 20px rgba(24, 38, 68, 0.16); }
.site-btn-dark:hover { color: var(--white); background: #25375f; box-shadow: 0 14px 28px rgba(24, 38, 68, 0.22); }
.site-btn-outline { color: var(--ink); background: transparent; border-color: #cbd3e2; }
.site-btn-outline:hover { color: var(--ink); background: var(--white); border-color: var(--ink); }
.site-btn-light { color: var(--navy); background: var(--white); }
.site-btn-light:hover { color: var(--navy); background: #f5f7ff; }
.text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--coral-dark); font-size: 0.9rem; font-weight: 800; }
.text-link::after { content: "→"; transition: transform 0.2s ease; }
.text-link:hover { color: var(--coral-dark); }
.text-link:hover::after { transform: translateX(4px); }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--coral-dark);
  font-size: 0.74rem;
  font-weight: 850;
  letter-spacing: 0.15em;
  line-height: 1.2;
  text-transform: uppercase;
}
.eyebrow::before { width: 22px; height: 3px; background: var(--coral); border-radius: 3px; content: ""; }
.section-heading { max-width: 660px; margin: 0; color: var(--ink); font-size: clamp(2rem, 3.8vw, 3.1rem); font-weight: 820; letter-spacing: -0.055em; line-height: 1.08; }
.section-heading span { color: var(--coral); }
.section-lead { max-width: 630px; margin: 17px 0 0; color: var(--ink-soft); font-size: 1rem; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 26px; margin-bottom: 42px; }
.section-head > div { max-width: 680px; }
.section-pad { padding: 100px 0; }
.soft-section { background: #f2f5fb; }

/* Home hero */
.hero {
  position: relative;
  overflow: hidden;
  padding: 82px 0 92px;
  background: linear-gradient(135deg, #fff8f4 0%, #fbfcff 48%, #eefbf8 100%);
}
.hero::before, .hero::after { position: absolute; border-radius: 50%; content: ""; pointer-events: none; }
.hero::before { top: -180px; right: -140px; width: 420px; height: 420px; background: rgba(139, 124, 245, 0.11); }
.hero::after { bottom: -260px; left: -140px; width: 450px; height: 450px; background: rgba(67, 201, 176, 0.12); }
.hero-grid { position: relative; z-index: 1; display: flex; align-items: center; gap: 50px; }
.hero-copy { flex: 1 1 53%; }
.hero-art { position: relative; flex: 1 1 47%; min-width: 0; }
.hero h1 { max-width: 700px; margin: 20px 0 22px; color: var(--ink); font-size: clamp(3rem, 6vw, 5.7rem); font-weight: 850; letter-spacing: -0.075em; line-height: 0.98; }
.hero h1 span { color: var(--coral); }
.hero-copy > p { max-width: 600px; margin: 0; color: var(--ink-soft); font-size: 1.1rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 31px; }
.hero-note { display: flex; align-items: center; gap: 10px; margin-top: 22px; color: var(--ink-soft); font-size: 0.78rem; }
.hero-note-mark { display: grid; width: 23px; height: 23px; place-items: center; color: var(--navy); background: var(--sun); border-radius: 50%; font-size: 0.72rem; font-weight: 900; }
.hero-visual { position: relative; padding: 20px; }
.hero-visual::before { position: absolute; top: 0; right: 4%; width: 80%; height: 88%; background: #d9f5ee; border-radius: 35px; content: ""; transform: rotate(5deg); }
.hero-visual > img { position: relative; z-index: 1; width: 100%; border-radius: 28px; box-shadow: var(--shadow); }
.floating-card { position: absolute; z-index: 2; display: flex; align-items: center; gap: 12px; padding: 13px 15px; background: rgba(255,255,255,0.94); border: 1px solid rgba(255,255,255,0.8); border-radius: 15px; box-shadow: var(--shadow-small); backdrop-filter: blur(7px); }
.floating-card p { margin: 0; color: var(--ink); font-size: 0.73rem; font-weight: 800; line-height: 1.25; }
.floating-card small { display: block; margin-top: 3px; color: var(--muted); font-size: 0.64rem; font-weight: 600; }
.float-check { top: 10%; left: -6%; }
.float-check-icon { display: grid; width: 30px; height: 30px; place-items: center; color: var(--white); background: var(--mint); border-radius: 10px; font-weight: 900; }
.float-score { right: -2%; bottom: 7%; }
.float-score-icon { display: grid; width: 30px; height: 30px; place-items: center; color: var(--navy); background: var(--sun); border-radius: 10px; font-size: 0.83rem; font-weight: 900; }
.hero-stats { display: flex; flex-wrap: wrap; gap: 35px; margin-top: 46px; }
.hero-stat strong { display: block; color: var(--ink); font-size: 1.48rem; font-weight: 850; letter-spacing: -0.04em; line-height: 1.1; }
.hero-stat span { display: block; margin-top: 5px; color: var(--muted); font-size: 0.74rem; font-weight: 650; }

/* Trust strip */
.trust-strip { padding: 20px 0; color: #eff3ff; background: var(--navy); }
.trust-inner { display: flex; align-items: center; justify-content: space-between; gap: 22px; }
.trust-copy { color: #b7c4df; font-size: 0.82rem; }
.trust-copy strong { color: var(--white); font-weight: 800; }
.trust-points { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 18px; }
.trust-point { display: flex; align-items: center; gap: 8px; color: #dfe8fa; font-size: 0.76rem; font-weight: 700; }
.trust-point b { display: grid; width: 22px; height: 22px; place-items: center; color: var(--navy); background: var(--mint); border-radius: 50%; font-size: 0.7rem; }

/* Cards and sections */
.service-card, .blog-card, .testimonial-card, .info-card, .form-shell, .legal-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: 0 7px 24px rgba(26, 42, 78, 0.035);
}
.service-card { height: 100%; overflow: hidden; transition: transform 0.22s ease, box-shadow 0.22s ease; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-small); }
.service-image { width: 100%; height: 190px; object-fit: cover; background: #eef2fa; }
.service-card-body { display: flex; height: calc(100% - 190px); flex-direction: column; padding: 24px; }
.service-card h3 { margin: 0 0 9px; color: var(--ink); font-size: 1.22rem; font-weight: 820; letter-spacing: -0.035em; }
.service-card p { flex: 1; margin: 0 0 19px; color: var(--ink-soft); font-size: 0.9rem; line-height: 1.65; }
.service-card .text-link { font-size: 0.81rem; }
.service-tag { display: inline-flex; align-items: center; width: fit-content; margin-bottom: 16px; padding: 5px 10px; color: #52617a; background: #f3f5fa; border-radius: 999px; font-size: 0.66rem; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; }

.about-panel { position: relative; min-height: 380px; padding: 34px; overflow: hidden; background: var(--navy); border-radius: var(--radius-lg); }
.about-panel::before { position: absolute; right: -75px; bottom: -105px; width: 300px; height: 300px; background: rgba(67, 201, 176, 0.2); border-radius: 50%; content: ""; }
.about-panel h3 { position: relative; z-index: 1; max-width: 470px; margin: 0; color: var(--white); font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 820; letter-spacing: -0.06em; line-height: 1.1; }
.about-panel p { position: relative; z-index: 1; max-width: 520px; margin: 17px 0 0; color: #c2cce0; font-size: 0.94rem; }
.about-panel .site-btn { position: relative; z-index: 1; margin-top: 26px; }
.orbit-graphic { position: absolute; right: 23px; bottom: 20px; width: 190px; height: 190px; border: 1px solid rgba(255,255,255,0.2); border-radius: 50%; }
.orbit-graphic::before, .orbit-graphic::after { position: absolute; inset: 17px; border: 1px solid rgba(255,255,255,0.16); border-radius: 50%; content: ""; }
.orbit-graphic::after { inset: 56px; background: var(--coral); border: 0; box-shadow: 0 0 0 10px rgba(240, 106, 92, 0.15), 0 0 0 21px rgba(240, 106, 92, 0.08); }
.step-list { display: grid; gap: 18px; }
.step { display: flex; gap: 15px; padding: 17px 0; border-bottom: 1px solid var(--line); }
.step:last-child { border-bottom: 0; }
.step-number { display: grid; flex: 0 0 38px; width: 38px; height: 38px; place-items: center; color: var(--navy); background: var(--sun); border-radius: 13px; font-size: 0.8rem; font-weight: 900; }
.step h3 { margin: 0; color: var(--ink); font-size: 1rem; font-weight: 800; }
.step p { margin: 4px 0 0; color: var(--ink-soft); font-size: 0.84rem; line-height: 1.55; }

.metric-band { padding: 70px 0; color: var(--white); background: var(--coral); }
.metric-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.metric { padding-right: 22px; border-right: 1px solid rgba(255,255,255,0.27); }
.metric:last-child { border-right: 0; }
.metric strong { display: block; font-size: clamp(1.8rem, 3.2vw, 2.8rem); font-weight: 850; letter-spacing: -0.06em; line-height: 1; }
.metric span { display: block; margin-top: 8px; color: #ffe8e2; font-size: 0.78rem; line-height: 1.35; }

.testimonial-card { position: relative; height: 100%; padding: 28px; }
.testimonial-card::before { position: absolute; top: 13px; right: 23px; color: #e7e9ff; content: "“"; font-family: Georgia, serif; font-size: 5rem; line-height: 1; }
.stars { color: var(--sun); letter-spacing: 0.12em; font-size: 0.82rem; }
.testimonial-card blockquote { position: relative; margin: 17px 0 25px; color: var(--ink); font-size: 1.03rem; font-weight: 650; line-height: 1.55; }
.testimonial-name { color: var(--coral-dark); font-size: 0.8rem; font-weight: 850; }

.blog-card { height: 100%; padding: 10px; overflow: hidden; transition: transform 0.22s ease, box-shadow 0.22s ease; }
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-small); }
.blog-card-image { width: 100%; height: 170px; object-fit: cover; border-radius: 13px; }
.blog-card-body { display: flex; min-height: 215px; flex-direction: column; padding: 20px 14px 14px; }
.blog-card h3 { margin: 0 0 10px; color: var(--ink); font-size: 1.16rem; font-weight: 820; letter-spacing: -0.035em; line-height: 1.22; }
.blog-card p { flex: 1; margin: 0 0 19px; color: var(--ink-soft); font-size: 0.86rem; line-height: 1.6; }

.cta-panel { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding: 42px 48px; overflow: hidden; color: var(--white); background: var(--navy); border-radius: var(--radius-lg); }
.cta-panel h2 { max-width: 670px; margin: 0; font-size: clamp(1.8rem, 3.2vw, 2.65rem); font-weight: 820; letter-spacing: -0.06em; line-height: 1.08; }
.cta-panel p { max-width: 610px; margin: 13px 0 0; color: #c5d0e6; font-size: 0.9rem; }

/* Inner pages */
.page-hero { position: relative; overflow: hidden; padding: 76px 0 72px; background: linear-gradient(130deg, #fff7f2, #f5f8ff 57%, #effbf8); }
.page-hero::after { position: absolute; right: -120px; bottom: -190px; width: 390px; height: 390px; background: rgba(139, 124, 245, 0.1); border-radius: 50%; content: ""; }
.page-hero-inner { position: relative; z-index: 1; max-width: 790px; }
.page-hero h1 { margin: 17px 0 13px; color: var(--ink); font-size: clamp(2.6rem, 5vw, 4.5rem); font-weight: 850; letter-spacing: -0.07em; line-height: 1; }
.page-hero p { max-width: 650px; margin: 0; color: var(--ink-soft); font-size: 1.08rem; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; color: var(--muted); font-size: 0.77rem; font-weight: 700; }
.breadcrumbs a { color: var(--coral-dark); }
.breadcrumbs span { color: #bdc4d0; }

.info-card { height: 100%; padding: 27px; }
.info-card h3 { margin: 0 0 9px; font-size: 1.14rem; font-weight: 820; letter-spacing: -0.035em; }
.info-card p { margin: 0; color: var(--ink-soft); font-size: 0.88rem; }
.info-icon { display: grid; width: 45px; height: 45px; margin-bottom: 20px; place-items: center; color: var(--navy); background: var(--mint-soft); border-radius: 14px; }
.info-icon svg { width: 22px; height: 22px; }
.about-story { max-width: 780px; }
.about-story p { margin: 0 0 18px; color: var(--ink-soft); font-size: 1rem; }
.about-story p:last-child { margin-bottom: 0; }
.check-list { display: grid; gap: 14px; margin: 25px 0 0; padding: 0; list-style: none; }
.check-list li { display: flex; align-items: flex-start; gap: 11px; color: var(--ink-soft); font-size: 0.9rem; }
.check-list b { display: grid; flex: 0 0 21px; width: 21px; height: 21px; place-items: center; color: var(--white); background: var(--mint); border-radius: 50%; font-size: 0.7rem; }
.quote-panel { padding: 35px; color: var(--white); background: linear-gradient(145deg, var(--navy), #2b3d66); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.quote-panel p { margin: 0; color: #edf1fb; font-family: Georgia, serif; font-size: 1.65rem; font-style: italic; line-height: 1.35; }
.quote-panel strong { display: block; margin-top: 24px; color: var(--sun); font-size: 0.8rem; font-family: inherit; font-style: normal; }

/* Article */
.article-shell { max-width: 840px; margin: 0 auto; }
.article-shell h1 { margin: 18px 0 25px; color: var(--ink); font-size: clamp(2.45rem, 5vw, 4.4rem); font-weight: 850; letter-spacing: -0.07em; line-height: 1.03; }
.article-lead { margin: 0 0 34px; color: var(--ink-soft); font-size: 1.16rem; line-height: 1.65; }
.article-cover { width: 100%; max-height: 380px; object-fit: cover; margin-bottom: 39px; border-radius: var(--radius-lg); box-shadow: var(--shadow-small); }
.article-copy { color: #3c4963; font-size: 1.03rem; line-height: 1.84; }
.article-copy p { margin: 0 0 23px; }
.article-copy h2 { margin: 45px 0 14px; color: var(--ink); font-size: 1.55rem; font-weight: 820; letter-spacing: -0.04em; line-height: 1.2; }
.article-footer { display: flex; align-items: center; justify-content: space-between; gap: 22px; margin-top: 38px; padding-top: 24px; border-top: 1px solid var(--line); }
.article-footer p { margin: 0; color: var(--muted); font-size: 0.81rem; }

/* Forms */
.form-shell { padding: 30px; }
.form-shell h2 { margin: 0 0 7px; color: var(--ink); font-size: 1.55rem; font-weight: 820; letter-spacing: -0.045em; }
.form-shell > p { margin: 0 0 23px; color: var(--ink-soft); font-size: 0.87rem; }
.form-label { display: block; margin: 0 0 7px; color: var(--ink); font-size: 0.78rem; font-weight: 800; }
.form-control, .form-select {
  display: block;
  width: 100%;
  min-height: 48px;
  padding: 11px 14px;
  color: var(--ink);
  background: #fbfcff;
  border: 1px solid #dce2ed;
  border-radius: 11px;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
textarea.form-control { min-height: 135px; resize: vertical; }
.form-control::placeholder { color: #a5adbc; }
.form-control:focus, .form-select:focus { background: var(--white); border-color: var(--coral); box-shadow: 0 0 0 4px rgba(240, 106, 92, 0.12); }
.form-check { display: flex; align-items: flex-start; gap: 9px; margin: 17px 0; }
.form-check input { flex: 0 0 auto; width: 17px; height: 17px; margin-top: 3px; accent-color: var(--coral); }
.form-check label { color: var(--ink-soft); font-size: 0.77rem; line-height: 1.45; }
.form-status { display: none; margin-top: 16px; padding: 12px 14px; color: #126d5d; background: var(--mint-soft); border: 1px solid #b9ede2; border-radius: 10px; font-size: 0.82rem; font-weight: 700; }
.form-status.is-visible { display: block; }
.form-status.is-error { color: #a43e38; background: #fff0ed; border-color: #f4c2bb; }
.form-note { margin-top: 13px; color: var(--muted); font-size: 0.72rem; }
.contact-list { display: grid; gap: 20px; margin-top: 27px; }
.contact-item { display: flex; align-items: flex-start; gap: 14px; }
.contact-item-icon { display: grid; flex: 0 0 42px; width: 42px; height: 42px; place-items: center; color: var(--navy); background: var(--mint-soft); border-radius: 13px; }
.contact-item-icon svg { width: 20px; height: 20px; }
.contact-item strong { display: block; color: var(--ink); font-size: 0.86rem; font-weight: 820; }
.contact-item a, .contact-item span { display: block; margin-top: 2px; color: var(--ink-soft); font-size: 0.84rem; }
.contact-item a:hover { color: var(--coral-dark); }
.map-card { min-height: 180px; margin-top: 34px; padding: 23px; overflow: hidden; color: var(--white); background: linear-gradient(135deg, #29406d, #1b2949); border-radius: var(--radius-md); }
.map-card h3 { margin: 0; font-size: 1.12rem; font-weight: 800; }
.map-card p { max-width: 290px; margin: 7px 0 0; color: #c9d3e8; font-size: 0.79rem; }
.map-lines { position: relative; height: 52px; margin-top: 15px; opacity: 0.45; background: repeating-linear-gradient(12deg, transparent 0 10px, rgba(255,255,255,0.28) 11px 12px, transparent 13px 22px); border-radius: 10px; }

/* Legal pages */
.legal-card { padding: 34px 38px; }
.legal-card h2 { margin: 32px 0 10px; color: var(--ink); font-size: 1.3rem; font-weight: 820; letter-spacing: -0.03em; }
.legal-card h2:first-child { margin-top: 0; }
.legal-card p, .legal-card li { color: var(--ink-soft); font-size: 0.92rem; }
.legal-card ul { padding-left: 20px; }
.legal-card li { margin-bottom: 8px; }

/* Footer */
.site-footer { padding: 60px 0 28px; color: #bbc7dd; background: var(--navy); }
.footer-grid { display: grid; grid-template-columns: 1.35fr 0.8fr 0.8fr 1fr; gap: 35px; padding-bottom: 48px; }
.footer-brand .brand { color: var(--white); }
.footer-brand .brand-subtitle { color: #92a0bb; }
.footer-copy { max-width: 300px; margin: 18px 0 0; color: #aebbd2; font-size: 0.83rem; }
.footer-heading { margin: 5px 0 16px; color: var(--white); font-size: 0.78rem; font-weight: 850; letter-spacing: 0.1em; text-transform: uppercase; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { width: fit-content; color: #b5c1d8; font-size: 0.82rem; }
.footer-links a:hover { color: var(--sun); }
.footer-contact { display: grid; gap: 9px; }
.footer-contact a, .footer-contact span { color: #b5c1d8; font-size: 0.82rem; }
.footer-contact a:hover { color: var(--sun); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-top: 23px; border-top: 1px solid rgba(219, 228, 248, 0.14); }
.footer-bottom p { margin: 0; color: #8695b1; font-size: 0.73rem; }
.footer-bottom-links { display: flex; flex-wrap: wrap; gap: 17px; }
.footer-bottom-links a { color: #aebbd2; font-size: 0.73rem; }
.footer-bottom-links a:hover { color: var(--white); }

/* Small motion, disabled for people who request less motion. */
.reveal { transition: opacity 0.6s ease, transform 0.6s ease; }
.js .reveal { opacity: 0; transform: translateY(15px); }
.js .reveal.is-visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}

@media (max-width: 991px) {
  .navbar-toggler { display: block; }
  .nav-menu { display: none; width: 100%; padding: 18px 0 21px; }
  .nav-menu.is-open { display: block; }
  .nav-inner { flex-wrap: wrap; }
  .nav-links { flex-direction: column; align-items: flex-start; gap: 0; }
  .nav-link { display: block; width: 100%; padding: 10px 0; }
  .nav-cta { margin-top: 12px; }
  .hero-grid { flex-direction: column; align-items: stretch; }
  .hero-art { max-width: 720px; margin: 0 auto; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .topbar-inner { min-height: 44px; }
  .topbar-right { display: none; }
  .hero { padding: 60px 0 65px; }
  .hero h1 { font-size: clamp(2.8rem, 14vw, 4.5rem); }
  .hero-stats { gap: 21px; margin-top: 35px; }
  .hero-visual { padding: 8px; }
  .float-check { top: 4%; left: -3%; }
  .float-score { right: -3%; bottom: 4%; }
  .section-pad { padding: 70px 0; }
  .section-head { display: block; margin-bottom: 29px; }
  .section-head .text-link { margin-top: 18px; }
  .metric-grid { grid-template-columns: repeat(2, 1fr); gap: 25px 15px; }
  .metric:nth-child(2) { border-right: 0; }
  .metric:nth-child(3), .metric:nth-child(4) { padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.27); }
  .cta-panel { display: block; padding: 31px 25px; }
  .cta-panel .site-btn { margin-top: 23px; }
  .article-footer { display: block; }
  .article-footer .site-btn { margin-top: 16px; }
  .legal-card { padding: 26px 22px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px 18px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { display: block; }
  .footer-bottom-links { margin-top: 12px; }
}
@media (max-width: 480px) {
  .container { width: calc(100% - 1.35rem); }
  .hero-actions { display: grid; }
  .hero-actions .site-btn { width: 100%; }
  .floating-card { padding: 9px 10px; }
  .floating-card p { font-size: 0.65rem; }
  .floating-card small { font-size: 0.57rem; }
  .float-check-icon, .float-score-icon { width: 25px; height: 25px; }
  .form-shell { padding: 23px 18px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
}