/* =============================================================
   VANTAGE INSURANCE — style.css
   Design tokens + global resets + all component styles
   ============================================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,700;0,900;1,400;1,700&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,300&display=swap');

/* ─── Tokens ─── */
:root {
  --graphite:    #011f48;
  --graphite2:   #333;	
  --graphite-90: #252d40;
  --graphite-60: rgba(28,35,51,.6);
  --teal:        #044593;
  	
  --teal-dark:   #044593;
  --teal-soft:   rgba(15,163,177,.12);
  --amber:       #72655f;
  --amber-dark:  #786c65;
  --snow:        #F8F9FA;
  --white:       #FFFFFF;
  --pewter:      #333;
  --pewter-light:#C5CDD8;
  --border:      #E2E7EE;
  --overlay-dk:  rgba(20,27,42,.72);
  --overlay-md:  rgba(20,27,42,.45);

  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-body:    'DM Sans', system-ui, sans-serif;

  --nav-h: 80px;
  --max-w: 1240px;
  --r-sm:  6px;
  --r-md:  14px;
  --r-lg:  24px;
  --r-xl:  36px;

  --sh-sm: 0 2px 10px rgba(28,35,51,.08);
  --sh-md: 0 8px 28px rgba(28,35,51,.13);
  --sh-lg: 0 24px 64px rgba(28,35,51,.18);
  --sh-xl: 0 40px 100px rgba(28,35,51,.24);

  --ease:  cubic-bezier(.4,0,.2,1);
  --bounce: cubic-bezier(.34,1.56,.64,1);

  --sp: clamp(72px,8vw,112px);
}

/* ─── Reset ─── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--ff-body);background:var(--snow);color:var(--graphite);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
a{text-decoration:none;color:inherit}
ul,ol{list-style:none}
button{cursor:pointer;font-family:var(--ff-body);border:none;background:none}
input,select,textarea{font-family:var(--ff-body)}

/* ─── Layout ─── */
.wrap{max-width:var(--max-w);margin:0 auto;padding:0 clamp(20px,4vw,40px)}
.wrap2{max-width:600px;margin:0 auto;padding:0 clamp(20px,4vw,40px)}

/* ─── Typography ─── */
.eyebrow{
  font-size:.7rem;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--pewter-light);
  display:flex;align-items:center;gap:10px;margin-bottom:18px;
}

.eyebrow::before{
  content:'';display:block;width:24px;height:2px;
  background:var(--teal);border-radius:2px;
}

.eyebrow2{
  font-size:.7rem;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:#044595;
  display:flex;align-items:center;gap:10px;margin-bottom:18px;
}

.eyebrow2::before{
  content:'';display:block;width:24px;height:2px;
  background:var(--teal);border-radius:2px;
}

.h1{font-family:var(--ff-display);font-size:clamp(2.8rem,5.5vw,5rem);font-weight:700;line-height:1.05;letter-spacing:-.02em}
.h2{font-family:var(--ff-display);font-size:clamp(2rem,3.5vw,3.2rem);font-weight:700;line-height:1.12;letter-spacing:-.015em}
.h3{font-family:var(--ff-display);font-size:clamp(1.4rem,2vw,1.9rem);font-weight:500;line-height:1.25}
.lead{font-size:clamp(1rem,1.5vw,1.15rem);line-height:1.75;color:var(--pewter)}
.caption{font-size:.78rem;color:var(--pewter);letter-spacing:.05em}

/* ─── Buttons ─── */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:14px 28px;border-radius:var(--r-sm);
  font-size:.9rem;font-weight:600;letter-spacing:.02em;
  transition:all .25s var(--ease);white-space:nowrap;
}
.btn-teal{background:var(--teal);color:#fff}
.btn-teal:hover{background:var(--teal-dark);transform:translateY(-2px);box-shadow:0 8px 24px rgba(15,163,177,.35)}
.btn-amber{background:var(--amber);color:#fff}
.btn-amber:hover{background:var(--amber-dark);transform:translateY(-2px);box-shadow:0 8px 24px rgba(244,162,97,.4)}
.btn-outline{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.4)}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.7)}
.btn-ghost{background:transparent;color:var(--graphite);border:1.5px solid var(--border)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.btn svg{flex-shrink:0;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn-lg{padding:18px 36px;font-size:1rem}

/* ─── Reveal animation ─── */
.reveal{opacity:0;transform:translateY(32px);transition:opacity .75s var(--ease),transform .75s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal-left{opacity:0;transform:translateX(-40px);transition:opacity .75s var(--ease),transform .75s var(--ease)}
.reveal-left.in{opacity:1;transform:none}
.reveal-right{opacity:0;transform:translateX(40px);transition:opacity .75s var(--ease),transform .75s var(--ease)}
.reveal-right.in{opacity:1;transform:none}
.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}.d4{transition-delay:.4s}.d5{transition-delay:.5s}
@media(prefers-reduced-motion:reduce){.reveal,.reveal-left,.reveal-right{opacity:1;transform:none;transition:none}}

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav{
  position:fixed;top:0;left:0;right:0;
  height:var(--nav-h);z-index:1000;
  transition:background .3s,box-shadow .3s,border-color .3s;
}
.nav.top{background:transparent;}
.nav.scrolled{background:rgba(28,35,51,.97);backdrop-filter:blur(20px);box-shadow:0 1px 0 rgba(255,255,255,.07)}
.nav-inner{
  max-width:var(--max-w);margin:0 auto;
  padding:0 clamp(20px,4vw,40px);
  height:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;
}

/* Logo */
.nav-logo{display:block; background-image: url('../img/nav_logo.png');
  background-repeat: no-repeat; width: 207px; height:65px; }
.nav-logo-icon{
  width:40px;height:40px;border-radius:var(--r-sm);
  background-image: url('../img/lighthouse.png');
  background-repeat: no-repeat;
  background-color: #014696;	
  display:flex;align-items:center;justify-content:center;
  font-family:var(--ff-display);font-size:1.2rem;font-weight:900;
  color:#fff;letter-spacing:-.04em;
}
.nav-logo-name{
  font-family:var(--ff-display);font-size:1.3rem;font-weight:700;
  color:#fff;line-height:1;
}
.nav-logo-tag{
  display:block;font-family:var(--ff-body);font-size:.6rem;
  font-weight:400;letter-spacing:.15em;text-transform:uppercase;
  color:rgba(255,255,255,.45);margin-top:2px;
}

/* Nav links */
.nav-links{display:flex;align-items:center;gap:2px;flex:1;justify-content:center}
.nav-item{position:relative}
.nav-link{
  display:flex;align-items:center;gap:5px;
  padding:8px 14px;border-radius:var(--r-sm);
  font-size:.87rem;font-weight:500;
  color:rgba(255,255,255,.75);
  transition:color .2s,background .2s;white-space:nowrap;
}
.nav-link:hover,.nav-link.active{color:#fff;background:rgba(255,255,255,.08)}
.nav-link .chevron{width:10px;height:10px;transition:transform .2s}
.nav-item:hover .chevron{transform:rotate(180deg)}

/* Dropdown */
.dropdown{
  position:absolute;top:100%;left:50%;
  transform:translateX(-50%) translateY(6px);
  background:#fff;border-radius:var(--r-md);
  box-shadow:var(--sh-xl);border:1px solid var(--border);
  min-width:280px;opacity:0;pointer-events:none;
  transition:opacity .2s var(--ease),transform .2s var(--ease);
  overflow:hidden;
  /* Invisible padding-top creates a hover bridge — cursor stays "inside"
     the element while moving from the nav link down to the dropdown */
  padding-top:12px;
  margin-top:-4px;
}
/* The visible menu card sits inside the padding */
.dropdown::before{
  content:'';
  position:absolute;top:0;left:0;right:0;
  height:12px; /* bridge height — fills the gap */
  background:transparent;
}
.nav-item:hover .dropdown,
.nav-item:focus-within .dropdown,
.nav-item.dd-open .dropdown{
  opacity:1;pointer-events:auto;transform:translateX(-50%) translateY(0);
}
.dd-head{
  padding:12px 18px 10px;
  font-size:.65rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--teal);
  border-bottom:1px solid var(--border);
}
.dd-item{
  display:flex;align-items:center;gap:14px;
  padding:14px 18px;transition:background .15s;
  border-bottom:1px solid rgba(226,231,238,.5);
  cursor:pointer;
}
.dd-item:last-child{border-bottom:none}
.dd-item:hover{background:var(--snow)}
.dd-thumb{
  width:48px;height:40px;border-radius:8px;
  object-fit:cover;flex-shrink:0;
}
.dd-thumb-placeholder{
  width:48px;height:40px;border-radius:8px;
  background:var(--border);flex-shrink:0;display:flex;
  align-items:center;justify-content:center;font-size:1.2rem;
}
.dd-text strong{display:block;font-size:.86rem;font-weight:600;color:var(--graphite);margin-bottom:2px}
.dd-text span{font-size:.75rem;color:var(--pewter)}

/* Nav CTA */
.nav-cta{flex-shrink:0}
.nav-cta-btn{
  padding:10px 20px;background:var(--teal);color:#fff;
  border-radius:var(--r-sm);font-size:.86rem;font-weight:600;
  transition:all .22s;
}
.nav-cta-btn:hover{background:var(--teal-dark);transform:translateY(-1px);box-shadow:0 6px 18px rgba(15,163,177,.4)}

/* Hamburger */
.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;border:none;background:none;cursor:pointer}
.hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:all .28s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Mobile menu */
.mobile-nav{
  position:fixed;top:var(--nav-h);left:0;right:0;bottom:0;
  background:var(--graphite);z-index:999;
  overflow-y:auto;padding:24px clamp(20px,4vw,40px);
  transform:translateX(100%);transition:transform .3s var(--ease);
}
.mobile-nav.open{transform:none}
.mob-item{border-bottom:1px solid rgba(255,255,255,.07)}
.mob-link{
  display:flex;align-items:center;justify-content:space-between;
  padding:18px 0;color:rgba(255,255,255,.85);
  font-size:1rem;font-weight:500;
}
.mob-sub{padding:0 0 14px 16px;display:none}
.mob-sub.open{display:block}
.mob-sub a{display:block;padding:8px 0;color:rgba(255,255,255,.55);font-size:.9rem;transition:color .2s}
.mob-sub a:hover{color:var(--teal)}
.mob-cta{margin-top:28px}
.mob-cta .btn{width:100%;justify-content:center}

/* ============================================================
   HERO — Full-bleed background, text on right
   ============================================================ */
.hero{
  position:relative;
  min-height:100vh;
  padding-top:var(--nav-h);
  display:flex;align-items:center;
  overflow:hidden;
}

/* Full-bleed background image */
.hero-bg-img{
  position:absolute;inset:0;
  width:100%;height:100%;
  object-fit:cover;object-position:20% center;
  transform:scale(1.12);
  transition:transform 1.8s cubic-bezier(.25,.46,.45,.94);
  z-index:0;
}
.hero-bg-img.zoomed{
  transform:scale(1);
}

/* Overlay: transparent on far left, solid dark from midpoint rightward */
.hero-bg-overlay{
  position:absolute;inset:0;z-index:1;
  background:linear-gradient(
    to right,
    rgba(20,27,42,0)   0%,
    rgba(20,27,42,.2)  30%,
    rgba(20,27,42,.85) 52%,
    rgba(20,27,42,.97) 65%,
    rgba(20,27,42,.97) 100%
  );
}

/* Inner row: spacer left + content right */
.hero-inner{
  position:relative;z-index:2;
  width:100%;max-width:var(--max-w);
  margin:0 auto;
	border: 0px solid #fff;
  padding:60px clamp(20px,4vw,40px);
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:40px;
  align-items:center;
}
.hero-spacer{/* intentionally empty — left half shows the photo */}

/* Content panel — right column */
.hero-content-inner{
  max-width:520px;
}

.hero-photo-badge{
  position:absolute;bottom:32px;left:32px;z-index:2;
  background:rgba(255,255,255,.12);backdrop-filter:blur(12px);
  border:1px solid rgba(255,255,255,.2);border-radius:var(--r-md);
  padding:14px 20px;display:flex;align-items:center;gap:12px;
}
.badge-stars{color:var(--amber);font-size:1rem;letter-spacing:1px}
.badge-text strong{display:block;color:#fff;font-size:.88rem;font-weight:600}
.badge-text span{color:rgba(255,255,255,.55);font-size:.75rem}

.hero-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:0px solid rgba(1,31,72,.95);
  border-radius:20px;padding:6px 14px;
  font-size:.7rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--teal);margin-bottom:28px;
}
.hero-title{
  font-family:var(--ff-display);
  font-size:clamp(2.6rem,4vw,4.2rem);
  font-weight:700;line-height:1.06;
  letter-spacing:-.025em;color:#fff;margin-bottom:22px;
}
.hero-title em{font-style:italic;color:var(--amber)}
.hero-body{
  font-size:1.05rem;line-height:1.28;
  color:rgba(255,255,255,.65);margin-bottom:36px;max-width:440px;
}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:52px}
.hero-trust{
  display:flex;align-items:center;gap:20px;
  padding-top:36px;border-top:1px solid rgba(255,255,255,.1);
}
.trust-item{display:flex;flex-direction:column;gap:3px}
.trust-num{font-family:var(--ff-display);font-size:1.9rem;font-weight:700;color:#fff;line-height:1}
.trust-num span{color:var(--teal)}
.trust-label{font-size:.72rem;color:rgba(255,255,255,.45);letter-spacing:.04em}
.trust-divider{width:1px;height:36px;background:rgba(255,255,255,.12);flex-shrink:0}

/* ── Responsive ── */
@media(max-width:900px){
  .hero{min-height:auto;padding-bottom:60px}
  .hero-inner{grid-template-columns:1fr;gap:0}
  .hero-spacer{display:none}
  .hero-content-inner{max-width:100%}
  /* On mobile the full overlay darkens evenly */
  .hero-bg-overlay{
    background:rgba(20,27,42,.78);
  }
  .hero-photo-badge{left:16px;bottom:16px;padding:10px 14px}
}
@media(max-width:540px){
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%;justify-content:center}
  .hero-trust{flex-wrap:wrap;gap:16px}
  .hero-photo-badge{display:none} /* too cluttered on very small screens */
}

/* ============================================================
   COVERAGE STRIP — horizontal photo cards
   ============================================================ */
.coverage-strip{
  padding:var(--sp) 0;background:#faf7f0;
}
.coverage-strip-head{
  padding:0 clamp(20px,4vw,40px);
  max-width:var(--max-w);margin:0 auto 48px;
  display:flex;align-items:flex-end;justify-content:space-between;gap:24px;
  flex-wrap:wrap;
}
.coverage-strip-head .h2{max-width:1200px}
.coverage-strip-head p{
  font-size:1rem;color:var(--pewter);max-width:360px;
  line-height:1.7;flex-shrink:0;
}

.cards-track{
  max-width:var(--max-w);margin:0 auto;
  padding:0 clamp(20px,4vw,40px);
  display:grid;grid-template-columns:repeat(3,1fr);gap:24px;
}

.cov-card{
  position:relative;border-radius:var(--r-lg);overflow:hidden;
  aspect-ratio:3/4;cursor:default;
  transition:transform .35s var(--ease),box-shadow .35s;
}
.cov-card:hover{transform:translateY(-8px) scale(1.01);box-shadow:var(--sh-xl)}
.cov-card img{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;transition:transform .5s var(--ease);
}
.cov-card:hover img{transform:scale(1.06)}
.cov-card-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 35%,rgba(20,27,42,.92) 100%);
}
.cov-card-content{
  position:absolute;bottom:0;left:0;right:0;
  padding:28px 26px;
}
.cov-card-tag{
  display:inline-block;background:var(--teal);color:#fff;
  border-radius:20px;padding:4px 12px;
  font-size:.65rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;margin-bottom:10px;
}
.cov-card-title{
  font-family:var(--ff-display);font-size:1.4rem;
  font-weight:700;color:#fff;margin-bottom:8px;line-height:1.2;
}
.cov-card-desc{font-size:.83rem;color:rgba(255,255,255,.7);line-height:1.6;margin-bottom:16px}
.cov-card-link{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.82rem;font-weight:600;color:var(--pewter-light);
  transition:gap .2s;
}
.cov-card:hover .cov-card-link{gap:10px}

/* ============================================================
   EDITORIAL SPLIT — alternating photo+text sections
   ============================================================ */
.ed-section{
  display:grid;grid-template-columns:1fr 1fr;min-height:600px;
}
.ed-section.flip{direction:rtl}
.ed-section.flip>*{direction:ltr}

.ed-photo{position:relative;overflow:hidden;min-height:480px}
.ed-photo img{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;transition:transform 8s var(--ease);
}
.ed-section:hover .ed-photo img{transform:scale(1.04)}
.ed-photo-tint{position:absolute;inset:0;background:var(--overlay-md)}
.ed-photo-stat{
  position:absolute;top:32px;left:32px;
  background:rgba(255,255,255,.1);backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.2);border-radius:var(--r-md);
  padding:16px 22px;
}
.ed-stat-num{font-family:var(--ff-display);font-size:2rem;font-weight:700;color:#fff;line-height:1}
.ed-stat-num span{color:var(--teal)}
.ed-stat-label{font-size:.72rem;color:rgba(255,255,255,.6);margin-top:4px;letter-spacing:.06em}

.ed-body{
  background:var(--graphite);
  display:flex;align-items:center;
  padding:clamp(48px,6vw,100px) clamp(36px,5vw,80px);
}
.ed-body.light{background:var(--snow)}
.ed-body-inner{max-width:480px}
.ed-body.light .h3,.ed-body.light .lead-dark{color:var(--graphite)}
.ed-body .h3{color:#fff;margin-bottom:16px}
.ed-body .lead{margin-bottom:28px}
.ed-body.light .eyebrow::before{background:var(--teal)}

.feature-list{display:flex;flex-direction:column;gap:14px;margin-bottom:36px}
.feat-item{
  display:flex;align-items:flex-start;gap:14px;
  padding:16px;border-radius:var(--r-md);
  background:rgba(255,255,255,.04);
  border:1px solid rgba(255,255,255,.07);
  transition:background .2s,border-color .2s;
}
.ed-body.light .feat-item{background:var(--white);border-color:var(--border)}
.feat-item:hover{background:rgba(255,255,255,.07);border-color:rgba(15,163,177,.25)}
.ed-body.light .feat-item:hover{border-color:var(--teal)}
.feat-icon{
  width:38px;height:38px;border-radius:9px;
  background:var(--teal-soft);border:1px solid rgba(15,163,177,.25);
  display:flex;align-items:center;justify-content:center;
  font-size:1.15rem;flex-shrink:0;
}
.feat-title{font-size:.9rem;font-weight:600;color:#fff;margin-bottom:3px}
.ed-body.light .feat-title{color:var(--graphite)}
.feat-desc{font-size:.8rem;color:rgba(255,255,255,.5);line-height:1.6}
.ed-body.light .feat-desc{color:var(--pewter)}

/* ============================================================
   SOCIAL PROOF — testimonials mosaic
   ============================================================ */
.proof-section{
  padding:var(--sp) 0;
  background:var(--graphite2);
  position:relative;overflow:hidden;
}
.proof-bg-img{
  position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1600880292203-757bb62b4baf?w=1600&q=60') center/cover;
  opacity:.06;
}
.proof-inner{position:relative;z-index:1}
.proof-head{text-align:center;margin-bottom:60px}
.proof-head .h2{color:#fff;margin-bottom:12px}
.proof-head .lead{color:rgba(255,255,255,.55);margin:0 auto;max-width:520px}

.proof-mosaic{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  grid-template-rows:auto auto;
  gap:20px;
}
.t-card{
  background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.09);
  border-radius:var(--r-md);padding:28px;
  transition:background .25s,border-color .25s,transform .25s;
}
.t-card:hover{background:rgba(255,255,255,.08);border-color:rgba(15,163,177,.3);transform:translateY(-3px)}
.t-card.featured{
  grid-row:span 2;
  background:linear-gradient(135deg,rgba(15,163,177,.15),rgba(15,163,177,.05));
  border-color:rgba(15,163,177,.3);
}
.t-stars{color:var(--amber);font-size:.95rem;letter-spacing:2px;margin-bottom:14px}
.t-quote{
  font-family:var(--ff-display);font-size:1.05rem;
  font-style:italic;font-weight:400;
  color:rgba(255,255,255,.88);line-height:1.65;margin-bottom:20px;
}
.t-card.featured .t-quote{font-size:1.25rem}
.t-author{display:flex;align-items:center;gap:12px}
.t-avatar{
  width:42px;height:42px;border-radius:50%;
  object-fit:cover;flex-shrink:0;
  border:2px solid rgba(15,163,177,.4);
}
.t-avatar-placeholder{
  width:42px;height:42px;border-radius:50%;
  background:linear-gradient(135deg,var(--teal),var(--graphite));
  display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:.9rem;color:#fff;flex-shrink:0;
}
.t-name{font-size:.88rem;font-weight:600;color:#fff}
.t-location{font-size:.74rem;color:rgba(255,255,255,.4);margin-top:2px}

/* Rating bar below testimonials */
.proof-ratings{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:1px;background:rgba(255,255,255,.07);
  border-radius:var(--r-md);overflow:hidden;margin-top:48px;
}
.rating-item{
  background:rgba(255,255,255,.04);
  padding:28px 24px;text-align:center;
}
.rating-num{font-family:var(--ff-display);font-size:2.4rem;font-weight:700;color:#fff;line-height:1}
.rating-num span{color:var(--teal)}
.rating-label{font-size:.76rem;color:rgba(255,255,255,.45);margin-top:6px;letter-spacing:.04em}

/* ============================================================
   PRICING
   ============================================================ */
.pricing-section{padding:var(--sp) 0;background:var(--snow)}
.pricing-head{text-align:center;margin-bottom:52px}
.pricing-head .h2{margin-bottom:12px}
.pricing-head .lead{margin:0 auto;max-width:520px}

.toggle-row{
  display:flex;align-items:center;justify-content:center;gap:16px;margin-bottom:48px;
}
.toggle-txt{font-size:.9rem;font-weight:500;color:var(--pewter)}
.toggle-wrap{position:relative;width:54px;height:28px}
.toggle-wrap input{opacity:0;width:0;height:0}
.slider{
  position:absolute;inset:0;background:var(--border);
  border-radius:28px;cursor:pointer;transition:.25s;
}
.slider::before{
  content:'';position:absolute;width:22px;height:22px;
  left:3px;top:3px;background:#fff;border-radius:50%;
  transition:.25s;box-shadow:0 1px 4px rgba(0,0,0,.2);
}
.toggle-wrap input:checked + .slider{background:var(--teal)}
.toggle-wrap input:checked + .slider::before{transform:translateX(26px)}
.save-badge{
  background:var(--amber);color:var(--graphite);
  font-size:.68rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;padding:4px 10px;border-radius:20px;
}

.plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:start}
.plan-card{
  background:var(--white);border-radius:var(--r-xl);
  padding:38px 32px;border:1.5px solid var(--border);
  transition:transform .3s var(--ease),box-shadow .3s,border-color .3s;
  position:relative;overflow:hidden;
}
.plan-card:hover{transform:translateY(-6px);box-shadow:var(--sh-lg)}
.plan-card.popular{
  background:var(--graphite);
  border-color:var(--teal);
  box-shadow:0 0 0 1px var(--teal),var(--sh-lg);
}
.pop-label{
  position:absolute;top:-1px;left:50%;transform:translateX(-50%);
  background:var(--teal);color:#fff;
  font-size:.65rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  padding:5px 18px;border-radius:0 0 10px 10px;
}
.plan-tier{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
.plan-price{
  font-family:var(--ff-display);font-size:3.2rem;
  font-weight:700;color:var(--graphite);line-height:1;margin-bottom:6px;
}
.plan-card.popular .plan-price{color:#fff}
.plan-price sup{font-size:1.4rem;font-weight:500;vertical-align:super;margin-right:2px}
.plan-price sub{font-size:1rem;font-weight:400;color:var(--pewter);vertical-align:bottom}
.plan-desc{font-size:.85rem;color:var(--pewter);line-height:1.65;margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--border)}
.plan-card.popular .plan-desc{border-color:rgba(255,255,255,.1)}
.plan-feats{display:flex;flex-direction:column;gap:11px;margin-bottom:32px}
.plan-feat{display:flex;align-items:flex-start;gap:10px;font-size:.86rem;color:var(--graphite)}
.plan-card.popular .plan-feat{color:rgba(255,255,255,.8)}
.pf-check{
  width:20px;height:20px;border-radius:50%;flex-shrink:0;
  background:var(--teal-soft);display:flex;align-items:center;
  justify-content:center;color:var(--teal);font-size:.7rem;font-weight:700;
  margin-top:1px;
}
.plan-btn{width:100%;justify-content:center;font-size:.9rem;padding:14px}

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.contact-section{
  position:relative;overflow:hidden;
  display:grid;grid-template-columns:1fr 1fr;min-height:700px;
}
.contact-photo{position:relative;overflow:hidden}
.contact-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.contact-photo-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(20,27,42,.8),rgba(20,27,42,.5));
}
.contact-photo-content{
  position:absolute;inset:0;display:flex;flex-direction:column;
  justify-content:flex-end;padding:52px;
}
.contact-photo-content .h3{color:#fff;margin-bottom:16px;font-size:clamp(1.4rem,2.5vw,2rem)}
.contact-info-items{display:flex;flex-direction:column;gap:14px}
.ci-item{
  display:flex;align-items:flex-start;gap:14px;
  padding:16px;background:rgba(255,255,255,.08);
  backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.15);
  border-radius:var(--r-md);
}
.ci-icon{
  font-size:1.3rem;width:40px;height:40px;
  border-radius:10px;background:var(--teal);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.ci-label{font-size:.72rem;color:rgba(255,255,255,.5);letter-spacing:.05em;margin-bottom:3px;font-weight:600;text-transform:uppercase}
.ci-value{font-size:.9rem;font-weight:600;color:#fff}
.contact-form-panel{
  background:var(--white);padding:clamp(40px,5vw,72px);
  display:flex;align-items:center;
}
.contact-form-panel .h2{margin-bottom:8px;font-size:clamp(1.8rem,2.5vw,2.4rem)}
.form-subline{font-size:.88rem;color:var(--pewter);margin-bottom:32px}

.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.f-group{margin-bottom:18px}
.f-label{
  display:block;font-size:.73rem;font-weight:600;
  letter-spacing:.07em;text-transform:uppercase;
  color:var(--pewter);margin-bottom:7px;
}
.f-input,.f-select,.f-textarea{
  width:100%;padding:13px 16px;
  background:var(--snow);border:1.5px solid var(--border);
  border-radius:var(--r-sm);font-family:var(--ff-body);
  font-size:.9rem;color:var(--graphite);outline:none;
  transition:border-color .2s,box-shadow .2s;-webkit-appearance:none;
}
.f-textarea{resize:vertical;min-height:96px}
.f-input:focus,.f-select:focus,.f-textarea:focus{
  border-color:var(--teal);
  box-shadow:0 0 0 3px rgba(15,163,177,.15);
}
.f-input::placeholder,.f-textarea::placeholder{color:var(--pewter-light)}
.f-select option{background:var(--snow)}
.f-submit{width:100%;justify-content:center;padding:16px;font-size:.95rem;margin-top:4px}

/* ============================================================
   TAGLINE BANNER — above footer
   ============================================================ */
.tagline-banner{
  background:#011f48;
  padding:24px clamp(20px,4vw,40px);
  overflow:hidden;
  position:relative;
}
/* Subtle teal-on-teal texture rings */
.tagline-banner::before,
.tagline-banner::after{
  content:'';
  position:absolute;
  border-radius:50%;
  border:1px solid rgba(255,255,255,.12);
  pointer-events:none;
}
.tagline-banner::before{
  width:500px;height:500px;
  top:-200px;left:-80px;
}
.tagline-banner::after{
  width:360px;height:360px;
  bottom:-180px;right:5%;
}
.tagline-banner-inner{
  max-width:var(--max-w);
  margin:0 auto;
  position:relative;z-index:1;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:0;
  flex-wrap:wrap;
}
.tagline-item{
  display:flex;
  align-items:center;
  gap:0;
}
.tagline-phrase{
  font-family:var(--ff-display);
  font-size:clamp(1.25rem,2.5vw,1.9rem);
  font-weight:700;
  color:#fff;
  letter-spacing:-.01em;
  white-space:nowrap;
  padding:0 clamp(20px,3vw,48px);
  text-align:center;
}
.tagline-sep{
  width:6px;height:6px;
  border-radius:50%;
  background:rgba(255,255,255,.45);
  flex-shrink:0;
}
@media(max-width:700px){
  .tagline-banner-inner{
    flex-direction:column;
    gap:14px;
  }
  .tagline-sep{ width:32px; height:1px; border-radius:0; }
  .tagline-phrase{ padding:0; }
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer{background:#0f1620;padding:72px 0 0}
.footer-inner{
  display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;
  gap:60px;padding-bottom:60px;
  border-bottom:1px solid rgba(255,255,255,.07);
}
.footer-brand .nav-logo{margin-bottom:18px}
.footer-tagline{font-size:.85rem;color:rgba(255,255,255,.4);line-height:1.75;max-width:240px;margin-bottom:28px}
.footer-socials{display:flex;gap:10px}
.soc-btn{
  width:36px;height:36px;border-radius:9px;
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);
  display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.5);font-size:.9rem;
  transition:all .2s;
}
.soc-btn:hover{background:var(--teal);color:#fff;border-color:var(--teal)}
.footer-col-title{
  font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:#fff;margin-bottom:18px;
}
.footer-col ul{display:flex;flex-direction:column;gap:10px}
.footer-col a{font-size:.84rem;color:rgba(255,255,255,.4);transition:color .2s}
.footer-col a:hover{color:var(--teal)}
.footer-bottom{
  padding:24px 0;display:flex;justify-content:space-between;
  align-items:center;gap:16px;flex-wrap:wrap;
}
.footer-copy{font-size:.78rem;color:rgba(255,255,255,.25)}
.footer-legal{display:flex;gap:20px}
.footer-legal a{font-size:.76rem;color:rgba(255,255,255,.25);transition:color .2s}
.footer-legal a:hover{color:rgba(255,255,255,.6)}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero{
  position:relative;min-height:210px;
  display:flex;align-items:flex-end;
  padding-bottom:16px;overflow:hidden;
}
.page-hero-bg{position:absolute;inset:0}
.page-hero-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero-bg::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(20,27,42,.5) 0%,rgba(20,27,42,.85) 100%);
}
.page-hero-content{position:relative;z-index:1; margin-top: 20px;}
.breadcrumb{
  display:flex;align-items:center;gap:8px;margin-bottom:16px;
  font-size:.78rem;color:rgba(255,255,255,.45);
}
.breadcrumb a:hover{color:var(--teal)}
.breadcrumb-sep{opacity:.4}
.page-hero-content .h1{color:#fff;font-size:clamp(2.2rem,4vw,3.8rem);margin-bottom:74px}
.page-hero-sub{font-size:1.05rem;color:rgba(255,255,255,.6);max-width:540px;line-height:1.7}
.page-nav-strip{
  background:var(--white);border-bottom:1px solid var(--border);
  position:sticky;top:var(--nav-h);z-index:90;
}
.page-nav-inner{
  display:flex;overflow-x:auto;scrollbar-width:yes;
  gap:0;
}
.page-nav-inner::-webkit-scrollbar{display:none}
.page-tab{
  padding:16px 22px;font-size:.84rem;font-weight:600;
  color:var(--pewter);white-space:nowrap;
  border-bottom:2px solid transparent;transition:.2s;
}
.page-tab:hover{color:var(--graphite);border-color:var(--teal)}

/* Offset anchor scroll targets so sticky nav + tab strip don't cover them */
[id]{scroll-margin-top:calc(var(--nav-h) + 53px)}

/* ============================================================
   INNER PAGE — coverage detail layout
   ============================================================ */
.detail-split{display:grid;grid-template-columns:1fr 1fr;min-height:500px}
.detail-split.flip{direction:rtl}
.detail-split.flip>*{direction:ltr}
.detail-photo{position:relative;overflow:hidden;min-height:400px}
.detail-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.detail-body{
  padding:clamp(40px,5vw,20px) clamp(20px,4vw,10px);
  display:flex;align-items:center;background:var(--snow);
}
.detail-body.dark{background:var(--graphite)}
.detail-body.dark .h3{color:#fff}
.detail-body.dark .lead{color:rgba(255,255,255,.55)}
.detail-body-inner{max-width:1200px}
.detail-list{display:flex;flex-direction:column;gap:12px;margin:14px 0 42px}
.dl-item{
  display:flex;align-items:flex-start;gap:12px;
  padding:14px 16px;border-radius:var(--r-md);
  background:var(--white);border:1px solid var(--border);
  font-size:.87rem;color:var(--graphite);
  transition:border-color .2s;
}
.detail-body.dark .dl-item{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.08);color:rgba(255,255,255,.8)}
.dl-item:hover{border-color:var(--teal)}
.dl-check{color:var(--teal);font-weight:700;flex-shrink:0;margin-top:1px}

/* Rate card */
.rate-card{
  background:var(--white);border-radius:var(--r-xl);
  padding:32px;border:1px solid var(--border);
  box-shadow:var(--sh-md);
}
.detail-body.dark .rate-card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.rate-from{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.rate-price{font-family:var(--ff-display);font-size:2.8rem;font-weight:700;color:var(--graphite);line-height:1}
.detail-body.dark .rate-price{color:#fff}
.rate-price sup{font-size:1.2rem;vertical-align:super}
.rate-price sub{font-size:1rem;font-weight:400;color:var(--pewter);vertical-align:bottom}
.rate-divider{height:1px;background:var(--border);margin:20px 0}
.detail-body.dark .rate-divider{background:rgba(255,255,255,.1)}
.rate-feats{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.rate-feat{font-size:.84rem;color:var(--graphite);display:flex;gap:8px;align-items:flex-start}
.detail-body.dark .rate-feat{color:rgba(255,255,255,.7)}

/* ============================================================
   CLAIMS PAGE SPECIFIC
   ============================================================ */
.claims-hero-band{
  background:linear-gradient(90deg,#e8001a,#c40017);
  padding:16px clamp(20px,4vw,40px);
  display:flex;align-items:center;justify-content:center;gap:20px;flex-wrap:wrap;
}
.claims-hero-band strong{color:#fff;font-size:.95rem}
.claims-hero-band a{color:#fff;font-weight:700;text-decoration:underline;font-size:1.05rem}
.claims-steps-section{padding:var(--sp) 0;background:var(--snow)}
.steps-list{display:flex;flex-direction:column;gap:24px;max-width:720px;margin:48px auto 0}
.step-card{
  display:flex;gap:24px;align-items:flex-start;
  padding:28px 32px;background:var(--white);
  border-radius:var(--r-md);border:1px solid var(--border);
  transition:box-shadow .25s,border-color .25s;
}
.step-card:hover{box-shadow:var(--sh-md);border-color:var(--teal)}
.step-circle{
  width:52px;height:52px;border-radius:50%;flex-shrink:0;
  background:var(--graphite);color:var(--teal);
  font-family:var(--ff-display);font-size:1.5rem;font-weight:700;
  display:flex;align-items:center;justify-content:center;
}
.step-title{font-weight:600;font-size:1.05rem;color:var(--graphite);margin-bottom:6px}
.step-body{font-size:.87rem;color:var(--pewter);line-height:1.7}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-story-grid{
  display:grid;grid-template-columns:1fr;
  gap:80px;align-items:center;padding-top: 40px;
}
.about-numbers{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:40px}
.about-num-card{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-md);padding:24px;
  transition:border-color .25s;
}
.about-num-card:hover{border-color:var(--teal)}
.about-num-card.dark{background:var(--graphite);border-color:transparent}
.about-num-card.amber{background:var(--amber);border-color:transparent}
.about-num{font-family:var(--ff-display);font-size:2.6rem;font-weight:700;color:var(--graphite);line-height:1}
.about-num-card.dark .about-num{color:#fff}
.about-num-card.amber .about-num{color:var(--graphite)}
.about-num-lbl{font-size:.75rem;color:var(--pewter);margin-top:6px;letter-spacing:.04em}
.about-num-card.dark .about-num-lbl{color:rgba(255,255,255,.45)}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.team-card{
  background:var(--white);border-radius:var(--r-md);
  overflow:hidden;border:1px solid var(--border);
  transition:transform .3s var(--ease),box-shadow .3s;
}
.team-card:hover{transform:translateY(-5px);box-shadow:var(--sh-md)}
.team-photo{height:220px;overflow:hidden;position:relative}
.team-photo img{width:100%;height:100%;object-fit:cover;object-position:top;transition:transform .4s var(--ease)}
.team-card:hover .team-photo img{transform:scale(1.06)}
.team-info{padding:22px 20px}
.team-name{font-family:var(--ff-display);font-size:1.15rem;font-weight:700;color:var(--graphite);margin-bottom:4px}
.team-role{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.team-bio{font-size:.82rem;color:var(--pewter);line-height:1.6}

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band{
  position:relative;overflow:hidden;
  padding:96px 0;
}
.cta-band-bg{position:absolute;inset:0}
.cta-band-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.cta-band-bg::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(28,35,51,.92),rgba(12,142,155,.7));
}
.cta-band-inner{position:relative;z-index:1;text-align:center;max-width:680px;margin:0 auto}
.cta-band-inner .h2{color:#fff;margin-bottom:16px}
.cta-band-inner p{color:rgba(255,255,255,.65);margin-bottom:36px;font-size:1.05rem;line-height:1.7}
.cta-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}

/* ============================================================
   SCROLL TO TOP BUTTON
   ============================================================ */
.scroll-top{
  position:fixed;
  bottom:28px;right:28px;
  width:46px;height:46px;
  background:var(--graphite);
  color:#fff;
  border:none;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 20px rgba(28,35,51,.3);
  cursor:pointer;z-index:900;
  opacity:0;visibility:hidden;
  transform:translateY(12px);
  transition:opacity .3s var(--ease), transform .3s var(--ease),
             visibility .3s, background .2s, box-shadow .2s;
}
.scroll-top.visible{
  opacity:1;visibility:visible;transform:translateY(0);
}
.scroll-top:hover{
  background:var(--teal);
  box-shadow:0 6px 24px rgba(15,163,177,.4);
  transform:translateY(-2px);
}
.scroll-top:active{ transform:translateY(0); }
.scroll-top svg{
  width:18px;height:18px;flex-shrink:0;
  transition:transform .2s;
}
.scroll-top:hover svg{ transform:translateY(-2px); }
@media(max-width:540px){
  .scroll-top{ bottom:20px; right:16px; width:42px; height:42px; }
}
@media(prefers-reduced-motion:reduce){
  .scroll-top{ transition:opacity .2s, visibility .2s; transform:none !important; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:1100px){
  .cards-track{grid-template-columns:repeat(2,1fr)}
  .proof-mosaic{grid-template-columns:repeat(2,1fr)}
  .t-card.featured{grid-row:auto}
  .proof-ratings{grid-template-columns:repeat(2,1fr)}
  .footer-inner{grid-template-columns:1fr 1fr;gap:40px}
}
@media(max-width:900px){
  .hero{
    grid-template-columns:1fr;
    min-height:0;
    padding-top:var(--nav-h); /* push whole hero below fixed nav */
  }
  .hero-photo{min-height:0}
  /* Re-account for nav-h that was previously only in hero-content padding */
  .hero-content{
    padding:32px clamp(24px,5vw,40px) 56px;
  }
	
	
  .hero-content-inner{max-width:100%}
  /* Badge can overflow on narrow screens — pull it in */
  .hero-photo-badge{
    left:16px;bottom:16px;
    padding:10px 14px;
  }
  .ed-section,.ed-section.flip{grid-template-columns:1fr;direction:ltr}
  .ed-photo{min-height:300px}
  .contact-section{grid-template-columns:1fr}
  .contact-photo{min-height:320px}
  .plans-grid{grid-template-columns:1fr}
  .detail-split,.detail-split.flip{grid-template-columns:1fr;direction:ltr}
  .detail-photo{min-height:280px}
  .about-story-grid{grid-template-columns:1fr;gap:40px}
  .team-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .nav-links,.nav-cta{display:none}
  .hamburger{display:flex}
  .cards-track{grid-template-columns:1fr}
  .proof-mosaic{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .hero-trust{flex-wrap:wrap;gap:16px}
  .cov-card{aspect-ratio:auto;min-height:340px}
}
@media(max-width:540px){
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%;justify-content:center}
  .proof-ratings{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr}
  .team-grid{grid-template-columns:1fr}
  .about-numbers{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column;text-align:center}
}