/* =============================================================================
   DESIGN SYSTEM — v4
   Pinnacle navy + baby blue on warm ivory. High-contrast serif display over a
   geometric sans. Executive and warm rather than cold and minimal.
   ============================================================================= */

:root {
  /* --- color ---------------------------------------------------------- */
  --navy:         #0C2340;   /* Pinnacle navy — header, buttons, primary */
  --navy-deep:    #06162B;   /* footer, hovers */
  --navy-mid:     #14345C;   /* stat band */
  --navy-tint:    #EAEFF6;   /* icon tiles, soft fills */
  --navy-line:    #1E3E68;

  --sky:          #A9D8F2;   /* baby blue — announcement strip, CTA, accents */
  --sky-deep:     #8CC9EB;   /* hover */
  --sky-soft:     #E4F2FB;   /* tints */
  --sky-ink:      #1D6E9E;   /* the same accent, dark enough to read on white */

  --cream:        #FAF8F3;   /* page field */
  --cream-2:      #F2EFE8;   /* alternate band */
  --wash:         #E9EDF4;   /* hero wash */
  --paper:        #FFFFFF;

  --ink:          #131C29;   /* headlines */
  --body:         #4F5867;   /* body copy */
  --muted:        #7C8593;
  --line:         #E3E5EA;
  --line-soft:    #EFF1F4;

  --error:        #A32A22;

  /* --- type ----------------------------------------------------------- */
  --display: "Fraunces", Georgia, "Times New Roman", serif;
  --ui: "Jost", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* --- space ---------------------------------------------------------- */
  --s1: 8px;  --s2: 12px; --s3: 16px; --s4: 24px;
  --s5: 32px; --s6: 48px; --s7: 72px; --s8: 104px;

  --pad: 20px;
  --max: 1200px;
  --narrow: 760px;
  --r: 10px;
  --r-lg: 16px;
  --r-pill: 100px;
  --sh-sm: 0 1px 2px rgba(36,31,20,.05);
  --sh: 0 2px 6px rgba(36,31,20,.05), 0 20px 44px -24px rgba(36,31,20,.25);
  --ease: cubic-bezier(.22,.61,.36,1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0; background: var(--paper); color: var(--body);
  font-family: var(--ui); font-size: 17px; line-height: 1.7; font-weight: 400;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }

/* --- type ---------------------------------------------------------------- */
h1, h2, h3, h4 {
  font-family: var(--display); color: var(--ink); font-weight: 600;
  font-variation-settings: "SOFT" 0, "WONK" 0;
  margin: 0 0 var(--s3); letter-spacing: -.015em;
}
h1 { font-size: clamp(36px, 5.6vw, 62px); line-height: 1.08; }
h2 { font-size: clamp(28px, 3.8vw, 44px); line-height: 1.14; }
h3 { font-size: clamp(19px, 1.7vw, 22px); line-height: 1.3; }
h4 { font-size: 17px; line-height: 1.35; }
p { margin: 0 0 1.05em; max-width: 66ch; }
p:last-child { margin-bottom: 0; }
strong { color: var(--ink); font-weight: 600; }

a { color: var(--navy); text-decoration: none; border-bottom: 1px solid rgba(12,35,64,.26); transition: border-color .15s var(--ease), color .15s var(--ease); }
a:hover { border-bottom-color: var(--navy); }

.eyebrow {
  font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--navy); margin: 0 0 var(--s3);
}
.lede { font-size: clamp(17px, 1.5vw, 19.5px); line-height: 1.65; color: var(--body); }
.small { font-size: 15px; line-height: 1.6; color: var(--body); }
.fine { font-size: 13px; line-height: 1.6; color: var(--muted); }

:focus-visible { outline: 3px solid var(--sky-ink); outline-offset: 3px; border-radius: 4px; }

.skip { position: absolute; left: -9999px; z-index: 300; background: var(--navy); color: #fff; padding: 12px 18px; border: 0; }
.skip:focus { left: 12px; top: 12px; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--pad); }
.narrow { max-width: var(--narrow); }
/* Paragraphs are capped at 66ch, so centering the text is not enough — the
   block itself has to be centered too, including when .center sits on the <p>. */
.center { text-align: center; margin-left: auto; margin-right: auto; }
.center p, p.center { margin-left: auto; margin-right: auto; }
.hidden { display: none !important; }

/* =============================================================================
   HEADER
   ============================================================================= */
.site-header { position: sticky; top: 0; z-index: 80; background: var(--navy); }
.header-bar { display: flex; align-items: center; justify-content: space-between; gap: var(--s4); height: 64px; }
.mark { display: inline-flex; align-items: center; gap: 10px; border: 0; flex: 0 0 auto; }
.mark:hover { border: 0; }
.mark svg { flex: 0 0 auto; }
.mark-name { font-family: var(--display); font-size: 20px; font-weight: 600; color: #fff; letter-spacing: -.01em; white-space: nowrap; }
.mark-sub { display: none; }

.header-actions { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; }
.header-phone {
  display: none; align-items: center; gap: 8px; color: #fff; font-size: 16px; font-weight: 500;
  border: 0; white-space: nowrap;
}
.header-phone:hover { color: var(--sky); border: 0; }

.nav-toggle { background: none; border: 0; padding: 8px; margin-right: -8px; width: 40px; height: 40px; display: grid; place-items: center; cursor: pointer; }
.nav-toggle i { display: block; width: 21px; height: 2px; background: #fff; position: relative; transition: background-color .1s; }
.nav-toggle i::before, .nav-toggle i::after { content: ""; position: absolute; left: 0; width: 21px; height: 2px; background: #fff; transition: transform .25s var(--ease), top .2s var(--ease); }
.nav-toggle i::before { top: -7px; } .nav-toggle i::after { top: 7px; }
.nav-toggle[aria-expanded="true"] i { background: transparent; }
.nav-toggle[aria-expanded="true"] i::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] i::after { top: 0; transform: rotate(-45deg); }

.site-nav {
  position: fixed; inset: 64px 0 0; background: var(--navy); z-index: 79;
  padding: var(--s4) 0 var(--s6); overflow-y: auto;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity .22s var(--ease), transform .22s var(--ease), visibility .22s;
}
.site-nav[data-open="true"] { opacity: 1; visibility: visible; transform: none; }
.site-nav ul { list-style: none; margin: 0; padding: 0; }
.site-nav a:not(.btn) {
  display: block; font-family: var(--display); font-size: 22px; font-weight: 500; color: #fff;
  padding: 15px 0; border-bottom: 1px solid var(--navy-line);
}
.site-nav a:not(.btn):hover { color: var(--sky); }
.site-nav .nav-foot { margin-top: var(--s5); }
.site-nav .nav-foot .btn { width: 100%; }
.site-nav .nav-foot p { color: #C2CFDF; margin-top: var(--s3); }

@media (max-width: 420px) {
  .header-actions .btn--sm { padding: 0 14px; font-size: 14.5px; }
  .mark-name { font-size: 18px; }
}
@media (min-width: 1000px) {
  .header-bar { height: 72px; }
  .header-phone { display: inline-flex; }
  .nav-toggle { display: none; }
  .site-nav { position: static; opacity: 1; visibility: visible; transform: none; padding: 0; overflow: visible; background: none; margin: 0 auto; }
  .site-nav > .wrap { padding: 0; }
  .site-nav ul { display: flex; gap: 26px; white-space: nowrap; }
  .site-nav a:not(.btn) { font-family: var(--ui); font-size: 15.5px; font-weight: 400; color: #D6DFEB; padding: 0; border: 0; }
  .site-nav a:not(.btn):hover, .site-nav a[aria-current="page"] { color: #fff; }
  .site-nav .nav-foot { display: none; }
}

/* --- announcement strip --------------------------------------------------- */
.strip-sky {
  background: var(--sky); color: #0B2138; text-align: center;
  padding: 11px var(--pad); font-size: 15px; font-weight: 500; letter-spacing: .01em;
}
.strip-sky span { display: inline-flex; align-items: center; gap: 10px; justify-content: center; }

/* =============================================================================
   BUTTONS
   ============================================================================= */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--ui); font-size: 17px; font-weight: 500; line-height: 1;
  padding: 0 28px; height: 54px; border-radius: var(--r); border: 1.5px solid transparent;
  cursor: pointer; text-decoration: none; white-space: nowrap;
  transition: background-color .16s var(--ease), border-color .16s var(--ease), color .16s var(--ease), transform .12s var(--ease);
}
.btn:hover { transform: translateY(-1px); border-bottom-width: 1.5px; }
.btn--primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-deep); border-color: var(--navy-deep); color: #fff; }
.btn--sky { background: var(--sky); color: #0B2138; border-color: var(--sky); }
.btn--sky:hover { background: var(--sky-deep); border-color: var(--sky-deep); color: #0B2138; }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--light { background: #fff; color: var(--navy); border-color: #fff; }
.btn--light:hover { background: var(--cream); color: var(--navy); border-color: var(--cream); }
.btn--sm { height: 44px; font-size: 15.5px; padding: 0 18px; }
.btn--block { width: 100%; }
.btn--tall { height: 60px; font-size: 18px; font-weight: 500; }
.btn[disabled] { opacity: .45; cursor: not-allowed; transform: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--s2); }

/* =============================================================================
   SECTIONS
   ============================================================================= */
.section { padding: var(--s7) 0; }
.section--tight { padding: var(--s6) 0; }
.section--cream { background: var(--cream); }
.section--cream2 { background: var(--cream-2); }
.section--navy { background: var(--navy); color: #C2CFDF; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.section--navy .lede, .section--navy .small { color: #C2CFDF; }
.section--navy .eyebrow { color: var(--sky); }
.section--navy .fine { color: #92A3B9; }
.section--navy a:not(.btn) { color: #fff; border-bottom-color: rgba(255,255,255,.35); }
@media (min-width: 900px) { .section { padding: var(--s8) 0; } }

.section-head { max-width: 44ch; margin: 0 auto var(--s6); text-align: center; }
.section-head p { margin-bottom: 0; }
.section-head--left { margin-left: 0; text-align: left; }

/* =============================================================================
   HERO
   ============================================================================= */
.hero {
  background: linear-gradient(128deg, var(--wash) 0%, #F3F2EC 46%, var(--cream) 100%);
  padding: var(--s6) 0 var(--s7);
}
.hero-grid { display: grid; gap: var(--s5); align-items: start; }
.hero h1 { max-width: 14ch; }
.hero .lede { max-width: 44ch; margin-bottom: var(--s4); }

.pills { display: flex; flex-wrap: wrap; gap: 10px; margin: 0 0 var(--s3); padding: 0; list-style: none; }
.pills li {
  display: inline-flex; align-items: center; gap: 9px; background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--r-pill);
  padding: 10px 18px; font-size: 15px; font-weight: 500; color: var(--ink);
  box-shadow: var(--sh-sm);
}
.pills svg { color: var(--navy); flex: 0 0 auto; }

.checks { display: flex; flex-wrap: wrap; gap: 10px 24px; margin: 0 0 var(--s5); padding: 0; list-style: none; }
.checks li { display: inline-flex; align-items: center; gap: 9px; font-size: 16px; color: var(--ink); font-weight: 500; }
.checks svg { color: var(--navy); flex: 0 0 auto; }

.hero-photo { border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--sh); max-width: 560px; }
.hero-photo img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; background: var(--wash); }
.hero-note { margin-top: var(--s4); font-size: 12.5px; color: var(--muted); max-width: 56ch; line-height: 1.6; }

@media (min-width: 1000px) {
  .hero { padding: var(--s7) 0 var(--s8); }
  .hero-grid { grid-template-columns: 1fr 500px; gap: var(--s7); }
}

/* =============================================================================
   QUOTE CARD (the form)
   ============================================================================= */
.form-panel {
  background: var(--paper); border-radius: var(--r-lg); box-shadow: var(--sh);
  padding: var(--s5) var(--s4) var(--s4); border: 1px solid var(--line-soft);
}
@media (min-width: 1000px) { .form-panel { padding: var(--s5); } }

.panel-badge {
  display: inline-flex; align-items: center; gap: 8px; margin: 0 auto var(--s3);
  background: var(--sky-soft); color: var(--sky-ink); border-radius: var(--r-pill);
  padding: 8px 16px; font-size: 14px; font-weight: 500;
}
.panel-title { font-family: var(--display); font-size: clamp(25px, 2.6vw, 31px); font-weight: 600; color: var(--ink); text-align: center; margin: 0 0 8px; line-height: 1.18; }
.panel-sub { text-align: center; font-size: 15.5px; color: var(--body); margin: 0 auto var(--s5); max-width: 40ch; line-height: 1.55; }
.panel-top { padding-bottom: var(--s2); border-bottom: 1px solid var(--line-soft); margin-bottom: var(--s4); }
.panel-top { text-align: center; }

.panel-head { display: flex; align-items: center; justify-content: space-between; gap: var(--s3); margin-bottom: 10px; }
.progress-label { font-size: 13px; font-weight: 500; color: var(--navy); letter-spacing: .02em; }
.panel-head .meta { font-size: 13px; color: var(--muted); }
.progress-track { height: 4px; background: var(--line-soft); border-radius: var(--r-pill); overflow: hidden; margin-bottom: var(--s4); }
.progress-fill { height: 100%; background: var(--navy); border-radius: var(--r-pill); width: 20%; transition: width .45s var(--ease); }

.step { animation: stepIn .3s var(--ease) both; }
@keyframes stepIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.step-q { font-family: var(--display); font-size: clamp(21px, 2.2vw, 25px); font-weight: 600; color: var(--ink); margin: 0 0 6px; line-height: 1.25; }
.step-help { font-size: 15px; color: var(--body); margin: 0 0 var(--s4); }

.choice-list { display: grid; gap: 10px; }
.choice {
  display: flex; align-items: center; gap: 13px; width: 100%; text-align: left;
  background: var(--paper); border: 1.5px solid var(--line); border-radius: var(--r);
  padding: 0 18px; min-height: 60px; font: inherit; font-size: 17px; color: var(--ink);
  cursor: pointer; transition: border-color .14s var(--ease), background-color .14s var(--ease);
}
.choice:hover { border-color: var(--navy); background: #FCFDFB; }
.choice[aria-pressed="true"] { border-color: var(--navy); background: var(--navy-tint); }
.choice-icon { flex: 0 0 auto; color: var(--navy); }
.choice-tick { margin-left: auto; opacity: 0; color: var(--navy); transition: opacity .14s var(--ease); }
.choice[aria-pressed="true"] .choice-tick { opacity: 1; }

.field { margin-bottom: var(--s3); }
.field label { display: block; font-size: 15px; font-weight: 500; color: var(--ink); margin-bottom: 7px; }
.field input, .field select {
  width: 100%; font: inherit; font-size: 16.5px; color: var(--ink); background: var(--paper);
  padding: 0 16px; height: 54px; border: 1.5px solid var(--line); border-radius: var(--r);
  -webkit-appearance: none; appearance: none;
  transition: border-color .14s var(--ease), box-shadow .14s var(--ease);
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5 11 1.5' fill='none' stroke='%234F5867' stroke-width='1.6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px;
}
.field input::placeholder { color: #B3AC9C; }
.field input:focus, .field select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(12,35,64,.13); }
.field-row { display: grid; gap: var(--s2); }
@media (min-width: 520px) { .field-row { grid-template-columns: 1fr 1fr; } }

.inline-choice { display: flex; gap: 8px; }
.inline-choice .choice { flex: 1 1 0; justify-content: center; min-height: 52px; font-size: 16px; padding: 0 10px; }
.inline-choice .choice-tick { display: none; }

.err { display: none; color: var(--error); font-size: 14px; margin: 7px 0 0; font-weight: 500; }
.err::before { content: "!"; display: inline-grid; place-items: center; width: 16px; height: 16px; margin-right: 7px; vertical-align: -3px; border-radius: 50%; background: var(--error); color: #fff; font-size: 11px; font-weight: 600; }
.field[data-invalid="true"] .err { display: block; }
.field[data-invalid="true"] input, .field[data-invalid="true"] select { border-color: var(--error); }

/* --- consent -------------------------------------------------------------- */
.consent-block { margin-top: var(--s4); padding-top: var(--s4); border-top: 1px solid var(--line-soft); }
.consent { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; margin-bottom: var(--s3); cursor: pointer; }
.consent input[type="checkbox"] {
  width: 22px; height: 22px; margin: 1px 0 0; border: 1.5px solid #C4BDA9; border-radius: 5px;
  -webkit-appearance: none; appearance: none; background: #fff; cursor: pointer;
  transition: background-color .14s var(--ease), border-color .14s var(--ease);
}
.consent input[type="checkbox"]:checked {
  background: var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='13' height='13' viewBox='0 0 13 13'%3E%3Cpath d='M2.8 6.8 5.4 9.4l4.8-5.4' fill='none' stroke='%23fff' stroke-width='1.9'/%3E%3C/svg%3E") no-repeat center;
  border-color: var(--navy);
}
.consent span { font-size: 12.5px; line-height: 1.55; color: var(--muted); }
.consent a { color: var(--body); }
.consent[data-invalid="true"] input[type="checkbox"] { border-color: var(--error); }
.consent-optional { display: inline-block; font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--sky-ink); margin-bottom: 3px; }

.submit-notice { font-size: 13px; color: var(--muted); margin: 0 0 var(--s3); text-align: center; }
.form-foot { font-size: 12.5px; color: var(--muted); line-height: 1.55; margin: var(--s3) 0 0; text-align: center; }
.form-nav { margin-top: var(--s3); }
.link-back { background: none; border: 0; font: inherit; font-size: 15px; color: var(--muted); cursor: pointer; padding: 8px 0; display: inline-flex; align-items: center; gap: 8px; }
.link-back:hover { color: var(--navy); }
.path-switch { background: none; border: 0; font: inherit; font-size: 14px; color: var(--navy); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; padding: 12px 0 0; width: 100%; }

.trust-mini { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 20px; margin: var(--s3) 0 0; padding: 0; list-style: none; }
.trust-mini li { display: inline-flex; align-items: center; gap: 7px; font-size: 13.5px; color: var(--muted); }
.trust-mini svg { color: var(--navy); }

/* =============================================================================
   STAT BAND
   ============================================================================= */
.stats { background: var(--navy-mid); }
.stats ul { list-style: none; margin: 0; padding: var(--s5) 0; display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); text-align: center; }
.stats .n { display: block; font-family: var(--display); font-size: clamp(26px, 3vw, 36px); font-weight: 600; color: #fff; line-height: 1.1; }
.stats .l { display: block; font-size: 14.5px; color: #B4C4DA; margin-top: 4px; }
@media (min-width: 780px) { .stats ul { grid-template-columns: repeat(4, 1fr); padding: var(--s6) 0; } }

/* =============================================================================
   FEATURE CARDS
   ============================================================================= */
.cards { display: grid; gap: var(--s4); }
@media (min-width: 720px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .cards--3 { grid-template-columns: repeat(3, 1fr); } }
.card {
  background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--r-lg);
  padding: var(--s5) var(--s4); box-shadow: var(--sh-sm);
}
.card-icon {
  width: 52px; height: 52px; border-radius: var(--r); background: var(--navy-tint);
  display: grid; place-items: center; color: var(--navy); margin-bottom: var(--s4);
}
.card h3 { margin-bottom: 10px; }
.card p { font-size: 16px; margin: 0; }

/* =============================================================================
   NUMBERED STEPS
   ============================================================================= */
.steps { display: grid; gap: var(--s5); text-align: center; }
@media (min-width: 820px) { .steps { grid-template-columns: repeat(3, 1fr); gap: var(--s4); } }
.step-item .num {
  width: 62px; height: 62px; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; margin: 0 auto var(--s4);
  font-family: var(--display); font-size: 24px; font-weight: 600;
}
.step-item h3 { margin-bottom: 8px; }
.step-item p { font-size: 16px; margin: 0 auto; max-width: 34ch; }

/* =============================================================================
   MEDIA SPLIT
   ============================================================================= */
.media-split { display: grid; gap: var(--s5); align-items: center; }
.media-split .media img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--sh); background: var(--wash); }
@media (min-width: 900px) { .media-split { grid-template-columns: 1fr 1fr; gap: var(--s7); } }
@media (min-width: 900px) { .media-split--flip .media { order: 2; } }

/* =============================================================================
   COMPARISON
   ============================================================================= */
.compare { display: grid; gap: var(--s3); }
@media (min-width: 900px) { .compare { grid-template-columns: repeat(3, 1fr); } }
.compare-card { background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--r-lg); padding: var(--s4); box-shadow: var(--sh-sm); }
.compare-card--focus { border-color: var(--navy); box-shadow: 0 0 0 1px var(--navy), var(--sh-sm); }
.compare-card .kind { font-size: 12.5px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin: 0 0 4px; }
.compare-card--focus .kind { color: var(--navy); }
.compare-card h3 { font-size: 20px; margin-bottom: 10px; }
.compare-card p { font-size: 15.5px; margin: 0 0 var(--s4); }
.compare-card .pays { display: flex; align-items: center; gap: 9px; border-top: 1px solid var(--line-soft); padding-top: var(--s3); font-size: 15.5px; font-weight: 500; color: var(--ink); }
.compare-card .pays svg { color: var(--navy); flex: 0 0 auto; }

/* =============================================================================
   FAQ
   ============================================================================= */
.faq { display: grid; gap: var(--s2); max-width: 800px; margin: 0 auto; }
.faq details { background: var(--paper); border: 1px solid var(--line-soft); border-radius: var(--r); box-shadow: var(--sh-sm); }
.faq summary {
  cursor: pointer; list-style: none; padding: 22px var(--s5) 22px var(--s4); position: relative;
  font-family: var(--display); font-size: 18.5px; font-weight: 600; color: var(--ink); line-height: 1.35;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 22px; top: 50%; margin-top: -4px;
  width: 10px; height: 10px; border-right: 2px solid var(--muted); border-bottom: 2px solid var(--muted);
  transform: rotate(45deg); transform-origin: 60% 60%; transition: transform .25s var(--ease);
}
.faq details[open] summary::after { transform: rotate(-135deg); }
.faq .answer { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .28s var(--ease); }
.faq details[open] .answer { grid-template-rows: 1fr; }
.faq .answer > div { overflow: hidden; }
.faq .answer p { padding: 0 var(--s4) 22px; font-size: 16px; max-width: 68ch; }

/* =============================================================================
   MISC BLOCKS
   ============================================================================= */
.people { display: grid; gap: var(--s4); }
@media (min-width: 720px) { .people { grid-template-columns: repeat(3, 1fr); } }
.person { text-align: center; }
.person img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--r-lg); margin-bottom: var(--s3); background: var(--cream-2); }
.person h3 { font-size: 19px; margin-bottom: 2px; }
.person p { font-size: 14.5px; color: var(--muted); margin: 0; }
.person-avatar { display: none; }

.timeline { list-style: none; margin: var(--s5) 0 0; padding: 0; display: grid; gap: var(--s4); }
.timeline li { display: grid; grid-template-columns: 46px 1fr; gap: var(--s3); align-items: start; }
.timeline-dot { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-family: var(--display); font-size: 17px; font-weight: 600; }
.timeline h3 { font-size: 19px; margin-bottom: 3px; }
.timeline p { margin: 0; font-size: 16px; }

.callout { background: var(--navy-tint); border-radius: var(--r); padding: var(--s4); margin: var(--s4) 0; }
.callout p { font-size: 16px; }

.tags { display: flex; flex-wrap: wrap; gap: 9px; list-style: none; margin: var(--s4) 0 0; padding: 0; }
.tags li { font-size: 15px; color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-pill); padding: 9px 17px; }
.section--navy .tags li { background: transparent; border-color: var(--navy-line); color: #CBDCC7; }

.grid { display: grid; gap: var(--s4); }
@media (min-width: 720px) { .grid--2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .grid--3 { grid-template-columns: repeat(3, 1fr); } }

/* =============================================================================
   LEGAL PAGES
   ============================================================================= */
.page-head { background: linear-gradient(128deg, var(--wash) 0%, var(--cream) 100%); padding: var(--s6) 0; text-align: center; }
.page-head h1 { font-size: clamp(32px, 4.4vw, 50px); max-width: 20ch; margin-left: auto; margin-right: auto; }
.page-head .lede { max-width: 54ch; margin: 0 auto; }
.legal { padding: var(--s6) 0 var(--s8); }
.legal h2 { font-size: clamp(22px, 2.4vw, 28px); margin-top: 2.2em; }
.legal h3 { font-size: 19px; margin-top: 1.8em; }
.legal ul, .legal ol { max-width: 66ch; padding-left: 22px; }
.legal li { margin-bottom: .5em; }
.legal .updated { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: var(--s3); }

/* =============================================================================
   STICKY CTA
   ============================================================================= */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 70;
  background: rgba(250,246,237,.96); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border-top: 1px solid var(--line); padding: 10px var(--pad) calc(10px + env(safe-area-inset-bottom));
  transform: translateY(110%); transition: transform .26s var(--ease);
}
.sticky-cta[data-show="true"] { transform: none; }
.sticky-cta .btn { width: 100%; }
@media (min-width: 1000px) { .sticky-cta { display: none; } }

/* =============================================================================
   FOOTER
   ============================================================================= */
.site-footer { background: var(--navy-deep); color: #9DACC0; padding: var(--s7) 0 var(--s5); font-size: 15px; }
.site-footer h4 { color: #fff; font-family: var(--ui); font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 var(--s3); }
.site-footer a:not(.btn) { color: #CFDAE8; border: 0; }
.site-footer a:not(.btn):hover { color: var(--sky); }
.site-footer p { margin: 0 0 6px; max-width: 56ch; }
.footer-grid { display: grid; gap: var(--s5); }
@media (min-width: 780px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; gap: var(--s6); } }
.footer-mark { font-family: var(--display); font-size: 21px; font-weight: 600; color: #fff; margin-bottom: 4px; }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-legal { border-top: 1px solid #17304F; margin-top: var(--s6); padding-top: var(--s4); }
.footer-legal p { font-size: 12px; line-height: 1.65; color: #74849B; max-width: none; margin: 0 0 8px; }

/* =============================================================================
   CONSENT BANNER
   ============================================================================= */
.cmp {
  position: fixed; left: var(--pad); right: var(--pad); bottom: var(--pad); z-index: 95;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--sh); padding: var(--s4); display: none;
}
.cmp[data-show="true"] { display: block; animation: stepIn .3s var(--ease) both; }
.cmp-inner { display: grid; gap: var(--s3); }
.cmp p { font-size: 14px; line-height: 1.55; margin: 0; }
.cmp-actions { display: flex; gap: 10px; }
.cmp .btn { flex: 1 1 0; height: 46px; font-size: 15.5px; padding: 0 16px; }
@media (min-width: 860px) { .cmp { left: auto; right: var(--s4); bottom: var(--s4); max-width: 470px; } .cmp .btn { flex: 0 0 auto; } .cmp-actions { justify-content: flex-end; } }

/* =============================================================================
   MOTION
   ============================================================================= */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .55s var(--ease), transform .55s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* interior "how it works" list */
.timeline-steps { display: grid; gap: var(--s5); }
.timeline-steps .step-row { display: grid; grid-template-columns: 52px 1fr; gap: var(--s3); }
.timeline-steps .step-num {
  width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-family: var(--display); font-size: 17px; font-weight: 600;
}
.timeline-steps .step-row h3 { margin-bottom: 6px; }
.timeline-steps .step-row p { font-size: 16px; margin: 0 0 .6em; }

/* =============================================================================
   STATE COMBOBOX
   A native <select> renders its option list through the operating system, so it
   can't be styled. This is a listbox with the same keyboard behaviour.
   ============================================================================= */
.combo { position: relative; }
.combo-btn {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  width: 100%; font: inherit; font-size: 16.5px; color: var(--ink); text-align: left;
  background: var(--paper); border: 1.5px solid var(--line); border-radius: var(--r);
  padding: 0 16px; height: 54px; cursor: pointer;
  transition: border-color .14s var(--ease), box-shadow .14s var(--ease);
}
.combo-btn:hover { border-color: #C4C8D0; }
.combo[data-open="true"] .combo-btn,
.combo-btn:focus-visible { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(12,35,64,.13); outline: none; }
.combo-value.is-placeholder { color: #A9AEB8; }
.combo-caret { color: var(--muted); flex: 0 0 auto; transition: transform .2s var(--ease); }
.combo[data-open="true"] .combo-caret { transform: rotate(180deg); }

.combo-panel {
  position: absolute; left: 0; right: 0; top: calc(100% + 6px); z-index: 40;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--r);
  box-shadow: 0 4px 10px rgba(19,28,41,.06), 0 24px 48px -20px rgba(19,28,41,.32);
  max-height: 288px; overflow-y: auto; padding: 6px;
  overscroll-behavior: contain;
  animation: comboIn .16s var(--ease) both;
}
@keyframes comboIn { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.combo-panel[hidden] { display: none; }

.combo-option {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  width: 100%; font: inherit; font-size: 16px; color: var(--ink); text-align: left;
  background: none; border: 0; border-radius: 6px; padding: 11px 12px; cursor: pointer;
}
.combo-option:hover, .combo-option:focus-visible { background: var(--navy-tint); outline: none; }
.combo-option[aria-selected="true"] { background: var(--navy); color: #fff; font-weight: 500; }
.combo-option[aria-selected="true"] .combo-abbr { color: rgba(255,255,255,.72); }
.combo-abbr { font-size: 13px; color: var(--muted); letter-spacing: .04em; }

.field[data-invalid="true"] .combo-btn { border-color: var(--error); }

/* scrollbar, so the panel doesn't look like a system widget */
.combo-panel::-webkit-scrollbar { width: 10px; }
.combo-panel::-webkit-scrollbar-track { background: transparent; }
.combo-panel::-webkit-scrollbar-thumb { background: #D8DBE1; border-radius: 10px; border: 3px solid var(--paper); }
.combo-panel::-webkit-scrollbar-thumb:hover { background: #C0C4CC; }