/* ==========================================================================
   The Stewart Brokerage — styles.css
   Small-business health insurance brokerage · Florida · Texas · Nevada
   --------------------------------------------------------------------------
   01. Design tokens
   02. Reset & base
   03. Utilities
   04. Buttons & badges
   05. Header / nav
   06. Hero
   07. Carrier logo carousel
   08. Sections & cards
   09. Forms
   10. Comparison table
   11. Steps / process
   12. Stats
   13. Reviews carousel
   14. Accordion / FAQ
   15. CTA band
   16. Footer & back-to-top
   17. Quote funnel
   18. Blog
   19. Inner pages
   20. Reveal animations
   21. Responsive
   ========================================================================== */

/* ---------- 01. Design tokens ---------- */
:root {
  /* ------------------------------------------------------------------
     Brand palette — UnitedHealthcare blues.
     #002677 carries the structural weight, #196ECF is the action colour,
     and the logo artwork is recoloured to match. Changing these lines
     re-skins the entire site.
     ------------------------------------------------------------------ */
  --navy-900: #001b54;   /* deepest — footer, dark bands           */
  --navy-800: #002677;   /* UHC Blue — headings, primary surfaces  */
  --navy-700: #003da5;
  --navy-600: #0c55b8;

  --blue-700: #12559e;
  --blue-600: #1565c7;
  --blue-500: #196ecf;   /* UHC Bright Blue — buttons, links       */
  --blue-400: #4a90e2;
  --blue-200: #b3d4f5;
  --sky-100:  #e3f1fc;
  --sky-50:   #f2f8fe;

  --gold:      #196ecf;  /* kept as an alias so nothing breaks     */
  --gold-soft: #b3d4f5;

  --orange-600: #e04a12;
  --orange-500: #ff612b;
  --orange-50:  #fff1ec;

  --amber-500: #f5b700;  /* UHC Gold — star ratings only           */
  --green-600: #007000;  /* UHC Green — savings, confirmations     */
  --green-50:  #e8f5e8;
  --red-600:   #c8102e;
  --red-50:    #fdf0f2;

  /* Neutrals */
  --ink-900: #0f172a;
  --ink-700: #334155;
  --ink-600: #475569;
  --ink-400: #94a3b8;
  --ink-300: #cbd5e1;
  --line:    #e2e8f0;
  --paper:   #ffffff;
  --canvas:  #f8fafc;

  /* Type */
  --font: "DM Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --fs-h1: clamp(2.35rem, 4.6vw, 3.75rem);
  --fs-h2: clamp(1.85rem, 3.2vw, 2.75rem);
  --fs-h3: clamp(1.3rem, 2vw, 1.65rem);
  --fs-h4: 1.25rem;
  --fs-lg: 1.125rem;
  --fs-base: 1rem;
  --fs-sm: 0.9375rem;
  --fs-xs: 0.8125rem;

  /* Space */
  --sp-1: 0.5rem;
  --sp-2: 1rem;
  --sp-3: 1.5rem;
  --sp-4: 2rem;
  --sp-5: 3rem;
  --sp-6: 4rem;
  --sp-7: 5.5rem;
  --sp-8: 7rem;

  /* Shape — rounded, modern */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 26px;
  --r-pill: 999px;

  --shadow-xs: 0 1px 2px rgba(11, 37, 69, 0.06);
  --shadow-sm: 0 2px 8px rgba(11, 37, 69, 0.06), 0 1px 2px rgba(11, 37, 69, 0.04);
  --shadow-md: 0 10px 28px rgba(11, 37, 69, 0.09), 0 2px 6px rgba(11, 37, 69, 0.05);
  --shadow-lg: 0 26px 60px rgba(11, 37, 69, 0.14), 0 8px 20px rgba(11, 37, 69, 0.07);
  --shadow-blue: 0 10px 24px rgba(25, 110, 207, 0.28);

  --container: 1200px;
  --dur: 0.7s;
  --dur-fast: 0.25s;
  --ease: cubic-bezier(0.22, 0.68, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);   /* overshoot-free settle, for counters */
}

/* ---------- 02. Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  font-family: var(--font);
  font-size: var(--fs-base);
  line-height: 1.65;
  color: var(--ink-600);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; display: block; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  font-weight: 700;
  color: var(--navy-800);
  margin: 0 0 var(--sp-2);
  line-height: 1.15;
  letter-spacing: -0.03em;
}
h1 { font-size: var(--fs-h1); letter-spacing: -0.04em; }
h2, .h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); }
h4 { font-size: var(--fs-h4); letter-spacing: -0.02em; }

h1 em, h2 em, h3 em { font-style: normal; color: var(--blue-500); }

p { margin: 0 0 1.4em; }
p:last-child { margin-bottom: 0; }

a { color: var(--blue-600); text-decoration: none; transition: color var(--dur-fast) var(--ease); }
a:hover { color: var(--blue-700); }

ul, ol { margin: 0; padding: 0; list-style: none; }
table { border-collapse: collapse; width: 100%; }
button { font: inherit; cursor: pointer; }

:focus-visible { outline: 3px solid var(--blue-400); outline-offset: 3px; border-radius: 4px; }

.ico { width: 1em; height: 1em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* ---------- 03. Utilities ---------- */
.container { width: min(100% - 2.5rem, var(--container)); margin-inline: auto; }
.container--narrow { width: min(100% - 2.5rem, 860px); }
.container--reading { width: min(100% - 2.5rem, 760px); }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy-800); color: #fff; padding: 0.75rem 1.25rem; border-radius: 0 0 var(--r-sm) 0;
}
.skip-link:focus { left: 0; color: #fff; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--blue-600);
  background: var(--sky-100); padding: 0.4rem 0.9rem; border-radius: var(--r-pill);
  margin-bottom: var(--sp-2);
}
.eyebrow--light { color: var(--blue-200); background: rgba(255, 255, 255, 0.1); }

.lead { font-size: var(--fs-lg); color: var(--ink-600); }
.muted { color: var(--ink-400); font-size: var(--fs-sm); }

.grid { display: grid; gap: var(--sp-4); }
.grid--2 { grid-template-columns: 1fr; }
@media (min-width: 900px) { .grid--2 { grid-template-columns: 1.05fr 0.95fr; } }
.grid--gap-xl { gap: var(--sp-5); }

.checklist { margin: var(--sp-3) 0; display: grid; gap: 0.8rem; }
.checklist li { position: relative; padding-left: 2.1rem; color: var(--ink-700); }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 0.3em;
  width: 1.4rem; height: 1.4rem; border-radius: 50%;
  background: var(--green-50) url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316a34a' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 13 4 4L19 7'/%3E%3C/svg%3E") center/0.82rem no-repeat;
}

/* ---------- 04. Buttons & badges ---------- */
.btn {
  --btn-bg: var(--blue-500);
  --btn-fg: #fff;
  --btn-bd: var(--blue-500);
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  padding: 0.85rem 1.7rem;
  border: 2px solid var(--btn-bd);
  border-radius: var(--r-pill);
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-size: var(--fs-sm); font-weight: 700; line-height: 1.3;
  text-align: center; white-space: nowrap;
  transition: transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease),
              background var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease),
              color var(--dur-fast) var(--ease);
}
.btn:hover { transform: translateY(-2px); color: var(--btn-fg); }
.btn:active { transform: none; }
.btn--lg { padding: 1.05rem 2.1rem; font-size: var(--fs-base); }
.btn--sm { padding: 0.6rem 1.15rem; font-size: var(--fs-xs); }
.btn--block { width: 100%; }

.btn--primary { --btn-bg: var(--blue-500); --btn-bd: var(--blue-500); }
.btn--primary:hover { --btn-bg: var(--blue-600); --btn-bd: var(--blue-600); box-shadow: var(--shadow-blue); }

/* alias kept so any markup still using .btn--gold renders as primary */
.btn--gold { --btn-bg: var(--blue-500); --btn-bd: var(--blue-500); }
.btn--gold:hover { --btn-bg: var(--blue-600); --btn-bd: var(--blue-600); box-shadow: var(--shadow-blue); }

.btn--navy { --btn-bg: var(--navy-800); --btn-bd: var(--navy-800); }
.btn--navy:hover { --btn-bg: var(--navy-700); --btn-bd: var(--navy-700); box-shadow: var(--shadow-md); }

.btn--white { --btn-bg: #fff; --btn-bd: #fff; --btn-fg: var(--navy-800); }
.btn--white:hover { --btn-bg: var(--sky-100); --btn-bd: var(--sky-100); box-shadow: var(--shadow-md); }

.btn--outline { --btn-bg: transparent; --btn-bd: var(--line); --btn-fg: var(--navy-800); }
.btn--outline:hover { --btn-bd: var(--blue-500); --btn-fg: var(--blue-600); }

.btn--outline-light { --btn-bg: transparent; --btn-bd: rgba(255,255,255,0.4); --btn-fg: #fff; }
.btn--outline-light:hover { --btn-bg: rgba(255,255,255,0.12); --btn-bd: #fff; }

.btn--ghost { --btn-bg: transparent; --btn-bd: transparent; --btn-fg: var(--navy-800); padding: 0.6rem 0.9rem; }
.btn--ghost:hover { --btn-fg: var(--blue-600); transform: none; }

.badge {
  display: inline-flex; align-items: center; gap: 0.4rem;
  padding: 0.35rem 0.8rem; border-radius: var(--r-pill);
  font-size: var(--fs-xs); font-weight: 700;
  background: var(--green-50); color: var(--green-600);
}
.badge--amber { background: #fff6e6; color: #b26a00; }
.badge--blue { background: var(--sky-100); color: var(--blue-600); }

.arrow-link {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-weight: 700; font-size: var(--fs-sm); color: var(--blue-600);
}
.arrow-link svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform var(--dur-fast) var(--ease); }
.arrow-link:hover svg { transform: translateX(4px); }

/* ---------- 05. Header ---------- */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
}
.header.is-stuck { box-shadow: 0 4px 24px rgba(11, 37, 69, 0.07); border-bottom-color: var(--line); }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); min-height: 84px; transition: min-height var(--dur-fast) var(--ease); }
.header.is-stuck .header__inner { min-height: 68px; }

.brand { display: flex; align-items: center; color: var(--navy-800); }
.brand:hover { color: var(--navy-800); }

/* The wordmark is part of the logo artwork, so no separate text is rendered.
   Height drives the size; width follows the intrinsic 200:84 ratio. */
.brand__logo {
  height: 58px; width: auto; display: block;
  transition: height var(--dur-fast) var(--ease);
}
.header.is-stuck .brand__logo { height: 46px; }
@media (max-width: 480px) { .brand__logo { height: 44px; } }

.brand--footer .brand__logo { height: 66px; }

.nav { display: flex; align-items: center; gap: var(--sp-4); }
.nav__list { display: flex; align-items: center; gap: 1.6rem; }
.nav__list > li { position: relative; }
.nav__list a { color: var(--ink-700); font-weight: 500; font-size: var(--fs-sm); padding: 0.4rem 0; display: block; }
.nav__list a:hover, .nav__list a.is-active { color: var(--blue-600); }
.nav__list a.is-active { font-weight: 700; }
.nav__cta { display: flex; align-items: center; gap: 0.55rem; }

.nav-toggle {
  display: none; width: 46px; height: 46px; border: 1px solid var(--line);
  background: #fff; padding: 0; place-items: center; border-radius: var(--r-md);
}
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy-800); margin: 4px auto; transition: transform var(--dur-fast) var(--ease), opacity 0.2s var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ---------- 06. Hero ---------- */
/* Background photo: drop a file at assets/photos/hero-bg.jpg and it appears
   behind the gradient automatically. No file = gradient alone, still intentional. */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  background: linear-gradient(165deg, var(--sky-100) 0%, var(--sky-50) 45%, #fff 100%);
  padding: var(--sp-6) 0 var(--sp-7);
}
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: -2;
  /* plain url() first so browsers without image-set() still get the photo */
  background: url("../assets/photos/hero-bg.jpg") center / cover no-repeat;
  background-image: image-set(url("../assets/photos/hero-bg.webp") type("image/webp"),
                              url("../assets/photos/hero-bg.jpg") type("image/jpeg"));
  opacity: 0.42;
  /* lift the colour out of the photo instead of leaving it washed grey */
  filter: saturate(1.45) contrast(1.08);
  /* still fade it back behind the text column so the copy stays readable */
  -webkit-mask-image: linear-gradient(100deg, transparent 12%, rgba(0,0,0,0.55) 42%, #000 72%);
  mask-image: linear-gradient(100deg, transparent 12%, rgba(0,0,0,0.55) 42%, #000 72%);
  pointer-events: none;
}
.hero::before {
  content: ""; position: absolute; top: -220px; right: -160px; width: 720px; height: 720px; z-index: -1;
  background: radial-gradient(circle, rgba(25, 110, 207, 0.30), transparent 68%);
  pointer-events: none;
}
@media (max-width: 760px) {
  /* on phones the photo competes with the copy — pull it right back */
  .hero::after { opacity: 0.20; -webkit-mask-image: none; mask-image: none; }
}
.hero__inner { position: relative; z-index: 1; display: grid; gap: var(--sp-5); align-items: center; }
@media (min-width: 1000px) { .hero__inner { grid-template-columns: 1.05fr 0.95fr; gap: var(--sp-6); } }

.hero h1 { margin-bottom: var(--sp-3); }
.hero__lede { font-size: var(--fs-lg); color: var(--ink-600); max-width: 54ch; margin-bottom: var(--sp-3); }
/* the hero sits over a photo — a fully transparent outline button loses its edge
   wherever the image is light, so give it an opaque surface */
.hero__actions .btn--outline { --btn-bg: rgba(255, 255, 255, 0.94); backdrop-filter: blur(4px); }
.hero__actions .btn--outline:hover { --btn-bg: #fff; }

.hero__actions { display: flex; flex-wrap: wrap; gap: 0.8rem; margin-bottom: var(--sp-3); }
.hero__reassure { display: flex; flex-wrap: wrap; gap: 1.2rem; font-size: var(--fs-xs); color: var(--ink-400); font-weight: 600; }
.hero__reassure li { display: flex; align-items: center; gap: 0.4rem; }
.hero__reassure .ico { color: var(--green-600); width: 1.05em; height: 1.05em; stroke-width: 2.6; }

.hero__states { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: var(--sp-3); }
.state-chip {
  display: inline-flex; align-items: center; gap: 0.4rem;
  padding: 0.4rem 0.95rem; border-radius: var(--r-pill);
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-xs);
  font-size: var(--fs-xs); font-weight: 700; color: var(--navy-800);
}
.state-chip .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--blue-500); }

/* ---------- 06b. Photo slots ----------
   A <figure class="photo" data-photo="label"> renders a labelled placeholder until a real
   image loads. js/main.js adds .is-empty when the <img> 404s. */
.photo {
  position: relative; margin: 0; overflow: hidden;
  border-radius: var(--r-xl); background: var(--sky-50);
  box-shadow: var(--shadow-lg);
}
.photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.photo--hero { aspect-ratio: 4 / 3; }
.photo--tall { aspect-ratio: 4 / 5; }
.photo--banner { aspect-ratio: 16 / 9; margin: var(--sp-5) 0; box-shadow: var(--shadow-md); }
.photo--wide { aspect-ratio: 3 / 2; }

.photo.is-empty img { display: none; }
.photo.is-empty {
  background:
    repeating-linear-gradient(135deg, rgba(25, 110, 207, .05) 0 12px, transparent 12px 24px),
    linear-gradient(160deg, var(--sky-50), #eef4ff);
  border: 1.5px dashed rgba(25, 110, 207, 0.35);
  box-shadow: none;
}
.photo.is-empty::after {
  content: attr(data-photo);
  position: absolute; top: 0.9rem; right: 0.9rem; max-width: calc(100% - 1.8rem);
  padding: 0.45rem 0.7rem; border-radius: var(--r-md);
  background: rgba(255, 255, 255, 0.94);
  color: var(--ink-600); font-size: 0.72rem; font-weight: 600; text-align: right;
  box-shadow: var(--shadow-xs);
}
.photo.is-empty::before {
  content: ""; position: absolute; left: 50%; top: 44%; transform: translate(-50%, -50%);
  width: 54px; height: 54px; opacity: 0.5;
  background: no-repeat center/contain url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23196ecf' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='4' width='18' height='16' rx='2'/%3E%3Ccircle cx='8.5' cy='9.5' r='1.8'/%3E%3Cpath d='m3 17 5-5 4 4 3-3 6 6'/%3E%3C/svg%3E");
}

/* "why us" aside: photo stacked over a quote panel */
.whyaside { display: grid; gap: var(--sp-4); align-content: start; }
/* keep the aside roughly the height of the prose beside it */
@media (min-width: 1000px) { .whyaside .photo--tall { aspect-ratio: 5 / 4; } }
@media (min-width: 700px) and (max-width: 999px) {
  .whyaside { grid-template-columns: 1fr 1fr; align-items: start; }
}
.whyaside__panel {
  background: var(--navy-800); color: rgba(255, 255, 255, 0.78);
  border-radius: var(--r-xl); padding: var(--sp-4);
}
.whyaside__quote {
  color: #fff; font-size: 1.08rem; line-height: 1.55; font-weight: 500;
  margin: 0 0 var(--sp-3); padding-left: 1rem; border-left: 3px solid var(--blue-500);
}
.whyaside__facts { display: grid; gap: 0.85rem; }
.whyaside__facts li { display: grid; gap: 0.1rem; padding-top: 0.85rem; border-top: 1px solid rgba(255,255,255,.14); }
.whyaside__facts strong { color: #fff; font-size: var(--fs-sm); }
.whyaside__facts span { font-size: var(--fs-xs); color: rgba(255, 255, 255, 0.6); }

/* hero side card */
.hero__card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg); padding: var(--sp-4); position: relative;
}
.hero__card .badge { margin-bottom: var(--sp-3); }
.hero__card-rows li {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 0.78rem 0; border-bottom: 1px solid var(--line);
}
.hero__card-rows li:last-child { border-bottom: 0; }
.hero__card-label { font-size: var(--fs-sm); color: var(--ink-600); }
.hero__card-vals { display: flex; align-items: baseline; gap: 0.6rem; white-space: nowrap; }
.hero__card-vals s { color: var(--ink-400); font-size: var(--fs-sm); }
.hero__card-vals strong { font-size: 1.05rem; font-weight: 700; color: var(--green-600); }
.hero__card-foot {
  margin-top: var(--sp-3); padding-top: var(--sp-2); border-top: 1px solid var(--line);
  font-size: var(--fs-xs); color: var(--ink-400); line-height: 1.5;
}

/* wide 3:2 photo slot */
.photo--wide { aspect-ratio: 3 / 2; }

/* 'How it works': heading and supporting photo side by side above the steps */
.process__top { display: grid; gap: var(--sp-5); align-items: center; margin-bottom: var(--sp-6); }
@media (min-width: 900px) {
  .process__top { grid-template-columns: 1fr 0.85fr; gap: var(--sp-6); }
  .process__top .section__head { margin-bottom: 0; }
}

/* client portrait sits beside the reviews heading (grid, never a float —
   a float here escapes the container and lands on top of the carousel) */
.reviews__intro { display: grid; gap: var(--sp-5); justify-items: center; margin-bottom: var(--sp-5); }
.reviews__portrait { width: 100%; max-width: 280px; }
.reviews__ratingRow { text-align: center; }
@media (min-width: 900px) {
  .reviews__intro { grid-template-columns: 260px 1fr; gap: var(--sp-6); align-items: center; justify-items: start; }
  .reviews__intro .reviews__head { text-align: left; margin: 0 0 var(--sp-4); }
  .reviews__intro .reviews__head .eyebrow { justify-content: flex-start; }
  .reviews__ratingRow { text-align: left; }
}

/* hero media: stat card overlaps the photo's lower-left corner.
   Declared after .hero__card so the absolute positioning wins. */
.hero__media { position: relative; margin-top: var(--sp-3); }
@media (min-width: 1000px) {
  .hero__media { margin-top: 0; padding-bottom: 3rem; }
  .hero__media .hero__card {
    position: absolute; left: -2.75rem; bottom: 0;
    width: 268px; margin: 0; padding: 1.1rem 1.15rem;
    border-radius: var(--r-lg);
  }
  .hero__media .hero__card .badge { margin-bottom: 0.75rem; font-size: 0.68rem; }
  .hero__media .hero__card-rows li { padding: 0.5rem 0; }
  .hero__media .hero__card-label { font-size: 0.82rem; }
  .hero__media .hero__card-vals strong { font-size: 0.98rem; }
  .hero__media .hero__card-foot { margin-top: 0.7rem; padding-top: 0.6rem; }
}

/* ---------- 07. Carrier logo strip ---------- */
/* Clean white band, hairline rules top and bottom, one small uppercase label,
   then the marks themselves in full colour with nothing framing them. Carrier
   logos are trademarks — they read as legitimate only when shown unmodified,
   so no cards, no grayscale filter, no recolouring. */
.carriers {
  background: #fff;
  padding: clamp(2.2rem, 4vw, 3.2rem) 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.carriers__label {
  text-align: center;
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-400);
  margin: 0 0 clamp(1.5rem, 3vw, 2.4rem);
}
.logo-marquee {
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
}
.logo-marquee__track {
  display: flex; align-items: center;
  gap: clamp(3rem, 7vw, 6.5rem);
  width: max-content;
  animation: logo-scroll 48s linear infinite;
}
.logo-marquee:hover .logo-marquee__track { animation-play-state: paused; }

/* A fixed-height slot per mark so wide wordmarks (Humana) and stacked lockups
   (BlueCross BlueShield) optically match instead of one dwarfing the other. */
.logo-slot {
  flex: none;
  display: flex; align-items: center; justify-content: center;
  height: clamp(26px, 2.9vw, 36px);
  width: clamp(104px, 11vw, 146px);
}
.logo-marquee img {
  max-width: 100%; max-height: 100%; width: auto; height: auto;
  min-width: 0; min-height: 0;      /* flex items refuse to shrink without this */
  object-fit: contain;
  opacity: 0.92;
  transition: opacity var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease);
}
.logo-marquee img:hover { opacity: 1; transform: scale(1.06); }

@keyframes logo-scroll { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  /* static grid instead of a scroll, and drop the duplicated half of the loop
     that only exists to make the marquee seamless */
  .logo-marquee__track { animation: none; flex-wrap: wrap; width: 100%; justify-content: center; row-gap: 1.6rem; }
  .logo-slot[aria-hidden="true"] { display: none; }
}
.carriers__note {
  text-align: center; font-size: var(--fs-xs); color: var(--ink-400);
  max-width: 60ch; margin: clamp(1.5rem, 3vw, 2.2rem) auto 0; line-height: 1.55;
}

/* ---------- 08. Sections & cards ---------- */
.section { padding: var(--sp-7) 0; }
.section--tight { padding: var(--sp-6) 0; }
.section--tint { background: var(--canvas); }
.section--sky { background: var(--sky-50); }
.section--dark { background: var(--navy-800); color: rgba(255,255,255,0.74); }
.section--dark h2, .section--dark h3, .section--dark h4 { color: #fff; }
.section--dark .lead { color: rgba(255,255,255,0.74); }

.section__head { max-width: 720px; margin-bottom: var(--sp-5); }
.section__head .lead { margin-bottom: 0; }
.section__head--center { margin-inline: auto; text-align: center; }
.section__foot { margin-top: var(--sp-5); display: flex; justify-content: center; gap: 0.8rem; flex-wrap: wrap; }

.cards { display: grid; gap: var(--sp-3); }
.cards--2 { grid-template-columns: 1fr; }
.cards--3, .cards--4 { grid-template-columns: 1fr; }
@media (min-width: 640px) { .cards--2, .cards--3, .cards--4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) {
  .cards--3 { grid-template-columns: repeat(3, 1fr); }
  .cards--4 { grid-template-columns: repeat(4, 1fr); }
}

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: var(--sp-4) var(--sp-3);
  display: flex; flex-direction: column; gap: 0.85rem;
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); border-color: var(--blue-200); }
.card h3 { font-size: var(--fs-h4); margin: 0; }
.card p { font-size: var(--fs-sm); margin: 0; flex: 1; }
.card--center { text-align: center; align-items: center; }

.card__icon { width: 50px; height: 50px; display: grid; place-items: center; background: var(--sky-100); border-radius: var(--r-md); }
.card__icon svg { width: 24px; height: 24px; fill: none; stroke: var(--blue-600); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.card:hover .card__icon { background: var(--blue-500); }
.card:hover .card__icon svg { stroke: #fff; }
.card__icon, .card__icon svg { transition: background var(--dur-fast) var(--ease), stroke var(--dur-fast) var(--ease); }

.cards--dark .card { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.12); box-shadow: none; }
.cards--dark .card h3 { color: #fff; }
.cards--dark .card p { color: rgba(255,255,255,0.68); }
.cards--dark .card:hover { background: rgba(255,255,255,0.1); border-color: var(--blue-400); }
.cards--dark .card__icon { background: rgba(255,255,255,0.1); }
.cards--dark .card__icon svg { stroke: var(--blue-400); }
.cards--dark .card:hover .card__icon { background: var(--blue-500); }
.cards--dark .card:hover .card__icon svg { stroke: #fff; }
.cards--dark .arrow-link { color: var(--blue-400); }

.callout {
  margin-top: var(--sp-5);
  background: linear-gradient(120deg, var(--navy-800), var(--navy-600));
  color: #fff; border-radius: var(--r-xl);
  padding: clamp(1.75rem, 4vw, 2.75rem);
  display: grid; gap: var(--sp-3); align-items: center;
}
@media (min-width: 860px) { .callout { grid-template-columns: 1fr auto; gap: var(--sp-5); } }
.callout h3 { color: #fff; margin-bottom: 0.4rem; }
.callout p { color: rgba(255,255,255,0.78); margin-bottom: 0; }

.callout--soft { background: var(--sky-50); color: var(--ink-600); border: 1px solid var(--line); }
.callout--soft h3 { color: var(--navy-800); }
.callout--soft p { color: var(--ink-600); }

/* ---------- 09. Forms ---------- */
.formcard { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-lg); padding: clamp(1.5rem, 3.5vw, 2.4rem); }
.formcard h3 { margin-bottom: 0.4rem; }
.formcard__sub { font-size: var(--fs-sm); margin-bottom: var(--sp-3); }

.form { display: grid; gap: var(--sp-2); }
.field { display: grid; gap: 0.35rem; }
.field-row { display: grid; gap: var(--sp-2); }
@media (min-width: 520px) { .field-row { grid-template-columns: 1fr 1fr; } }

.field label { font-size: var(--fs-xs); font-weight: 700; color: var(--navy-800); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: var(--fs-sm); color: var(--ink-900);
  padding: 0.75rem 0.9rem; background: #fff;
  border: 1.5px solid var(--line); border-radius: var(--r-md);
  transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
}
.field textarea { min-height: 120px; resize: vertical; }
.field select {
  appearance: none;
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 0.8rem center; background-size: 1.1rem; padding-right: 2.4rem;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(25, 110, 207, 0.16);
}
.field input::placeholder, .field textarea::placeholder { color: var(--ink-400); }
.field.is-invalid input, .field.is-invalid select, .field.is-invalid textarea { border-color: var(--red-600); }
.field__error { color: var(--red-600); font-size: var(--fs-xs); font-weight: 600; }
.field__error:empty { display: none; }

.checkbox { display: flex; gap: 0.7rem; align-items: flex-start; font-size: var(--fs-sm); cursor: pointer; }
.checkbox input { width: 1.15rem; height: 1.15rem; margin-top: 0.24rem; accent-color: var(--blue-500); flex: none; }

.form__note { font-size: var(--fs-xs); color: var(--ink-400); margin: 0; }
.form__status { font-size: var(--fs-sm); font-weight: 700; margin: 0; }
.form__status.is-ok { color: var(--green-600); }
.form__status.is-err { color: var(--red-600); }

.newsletter { display: flex; gap: 0.5rem; margin-top: var(--sp-2); flex-wrap: wrap; }
.newsletter input {
  flex: 1 1 200px; font: inherit; font-size: var(--fs-sm); padding: 0.75rem 1rem;
  border-radius: var(--r-pill); border: 1.5px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.07); color: #fff;
}
.newsletter input::placeholder { color: rgba(255,255,255,0.42); }
.newsletter input:focus { outline: none; border-color: var(--blue-400); }

/* ---------- 10. Comparison table ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--line); box-shadow: var(--shadow-sm); background: #fff; }
.compare-table { min-width: 780px; font-size: var(--fs-sm); }
.compare-table thead th {
  background: var(--canvas); color: var(--navy-800); font-size: var(--fs-base); font-weight: 700;
  padding: 1.3rem 1.2rem; text-align: center; position: relative; border-bottom: 1px solid var(--line);
}
.compare-table thead th.is-featured { background: var(--navy-800); color: #fff; }
.compare-table thead th.is-featured span {
  display: block; font-size: 0.62rem; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--amber-500); margin-top: 0.2rem;
}
.compare-table td { padding: 1.15rem 1.2rem; text-align: center; border-bottom: 1px solid var(--line); vertical-align: middle; color: var(--ink-600); }
.compare-table tbody tr:last-child td { border-bottom: 0; }
.compare-table td.is-featured { background: var(--sky-50); color: var(--navy-800); font-weight: 600; }
.compare-table .mark { display: inline-flex; width: 1.15rem; height: 1.15rem; margin-right: 0.45rem; vertical-align: -0.2rem; }
.compare-table .mark svg { width: 100%; height: 100%; fill: none; stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }
.compare-table .mark--no svg { stroke: var(--red-600); }
.compare-table .mark--warn svg { stroke: var(--amber-500); }
.compare-table .mark--yes svg { stroke: var(--green-600); }

/* ---------- 11. Steps ---------- */
.steps { display: grid; gap: var(--sp-3); counter-reset: step; }
@media (min-width: 700px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1050px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step { position: relative; padding-top: var(--sp-2); border-top: 3px solid var(--line); }
.step::after { content: ""; position: absolute; left: 0; top: -3px; width: 0; height: 3px; background: var(--blue-500); border-radius: var(--r-pill); transition: width 0.9s var(--ease); }
.step.is-visible::after { width: 100%; }
.step__num { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; color: var(--blue-500); display: block; margin-bottom: 0.6rem; }
.step h3 { font-size: var(--fs-h4); margin-bottom: 0.5rem; }
.step p { font-size: var(--fs-sm); margin: 0; }

/* ---------- 12. Stats ---------- */
.stats {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 55%, var(--navy-700) 100%);
  color: #fff; padding: var(--sp-6) 0;
}
.stats__list { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-3); text-align: center; }
@media (min-width: 860px) { .stats__list { grid-template-columns: repeat(4, 1fr); } }
.stat { display: grid; gap: 0.3rem; }
.stat__num {
  font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 700; color: #fff; line-height: 1;
  font-variant-numeric: tabular-nums; letter-spacing: -0.04em;
  text-shadow: 0 2px 18px rgba(0, 0, 0, 0.25);
}
/* the number scales up as it counts, so the growth is felt and not just read */
.stat__num { display: inline-block; transform: scale(0.86); opacity: 0; transition: transform 0.7s var(--ease-out), opacity 0.5s var(--ease); }
.stat__num.is-counting, .stat__num.is-visible { transform: scale(1); opacity: 1; }
.stat__label { font-size: var(--fs-xs); letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.72); }
.stats__note { text-align: center; margin-top: var(--sp-3); font-size: var(--fs-xs); color: rgba(255,255,255,0.3); }

/* ---------- 13. Reviews carousel ---------- */
.reviews { background: #fff; padding: var(--sp-7) 0; overflow: hidden; }
.reviews__head { text-align: center; max-width: 640px; margin: 0 auto var(--sp-3); }
.reviews__rating {
  display: inline-flex; align-items: center; gap: 0.6rem;
  padding: 0.55rem 1.15rem; border-radius: var(--r-pill);
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  margin-bottom: var(--sp-4); font-size: var(--fs-sm); font-weight: 600; color: var(--ink-600);
}
.reviews__rating strong { color: var(--navy-800); font-size: 1.05rem; }
.g-logo { width: 20px; height: 20px; flex: none; }

.stars { display: inline-flex; gap: 1px; color: var(--amber-500); }
.stars svg { width: 15px; height: 15px; fill: currentColor; stroke: none; }
.stars .is-empty { color: var(--ink-300); }

.reviews__viewport { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent); }
.reviews__track { display: flex; gap: var(--sp-3); width: max-content; animation: reviews-scroll 60s linear infinite; }
.reviews__viewport:hover .reviews__track, .reviews__track.is-paused { animation-play-state: paused; }
@keyframes reviews-scroll { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .reviews__track { animation: none; flex-wrap: wrap; width: 100%; justify-content: center; }
}

.review {
  width: min(80vw, 340px); flex: none;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: var(--sp-3); box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column; gap: 0.9rem;
}
.review__top { display: flex; align-items: flex-start; gap: 0.75rem; }
.review__avatar {
  width: 42px; height: 42px; border-radius: 50%; flex: none;
  display: grid; place-items: center; color: #fff; font-weight: 700; font-size: var(--fs-sm);
  background: var(--blue-500);
}
.review__who { flex: 1; min-width: 0; }
.review__who strong { display: block; color: var(--navy-800); font-size: var(--fs-sm); line-height: 1.3; }
.review__who span { font-size: var(--fs-xs); color: var(--ink-400); }
.review blockquote { margin: 0; font-size: var(--fs-sm); color: var(--ink-700); font-style: italic; flex: 1; }
.review__src { display: flex; align-items: center; gap: 0.4rem; font-size: var(--fs-xs); color: var(--ink-400); font-weight: 600; padding-top: 0.7rem; border-top: 1px solid var(--line); }
.review__src .g-logo { width: 15px; height: 15px; }

.reviews__foot { text-align: center; margin-top: var(--sp-4); }
.reviews__foot p { max-width: 620px; margin-inline: auto; font-size: var(--fs-sm); }
.reviews__actions { display: flex; gap: 0.7rem; justify-content: center; flex-wrap: wrap; margin: var(--sp-3) 0 0.8rem; }
.reviews__policy { font-size: var(--fs-xs); color: var(--ink-400); max-width: 640px; margin-inline: auto; }

/* ---------- 14. Accordion ---------- */
.accordion { display: grid; gap: 0.7rem; }
.acc { border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; overflow: hidden; transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease); }
.acc:has(.acc__btn[aria-expanded="true"]) { border-color: var(--blue-200); box-shadow: var(--shadow-sm); }
.acc h3 { margin: 0; font-size: 1rem; }
.acc__btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1.2rem;
  padding: 1.15rem 1.3rem; background: none; border: 0; text-align: left;
  font-family: var(--font); font-size: var(--fs-base); font-weight: 700; color: var(--navy-800);
  letter-spacing: -0.02em; transition: color var(--dur-fast) var(--ease);
}
.acc__btn:hover { color: var(--blue-600); }
.acc__icon { position: relative; width: 22px; height: 22px; flex: none; border-radius: 50%; background: var(--sky-100); }
.acc__icon::before, .acc__icon::after { content: ""; position: absolute; left: 50%; top: 50%; background: var(--blue-600); transform: translate(-50%,-50%); transition: transform var(--dur-fast) var(--ease), opacity var(--dur-fast) var(--ease); }
.acc__icon::before { width: 11px; height: 2px; border-radius: 2px; }
.acc__icon::after { width: 2px; height: 11px; border-radius: 2px; }
.acc__btn[aria-expanded="true"] .acc__icon::after { transform: translate(-50%,-50%) rotate(90deg); opacity: 0; }
.acc__panel { overflow: hidden; height: 0; transition: height var(--dur-fast) var(--ease); }
.acc__panel > div { padding: 0 1.3rem 1.3rem; font-size: var(--fs-sm); }

/* ---------- 15. CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-800) 0%, var(--navy-600) 60%, var(--blue-600) 130%);
  color: #fff; padding: var(--sp-6) 0; position: relative; overflow: hidden;
}
.cta-band::after {
  content: ""; position: absolute; right: -6%; top: -60%; width: 480px; height: 480px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.1), transparent 68%);
}
.cta-band__inner { position: relative; z-index: 1; display: grid; gap: var(--sp-3); align-items: center; }
@media (min-width: 900px) { .cta-band__inner { grid-template-columns: 1fr auto; gap: var(--sp-5); } }
.cta-band h2 { color: #fff; margin-bottom: 0.5rem; }
.cta-band p { color: rgba(255,255,255,0.78); margin: 0; }
.cta-band__actions { display: flex; gap: 0.8rem; flex-wrap: wrap; }

/* ---------- 16. Footer ---------- */
.footer { background: var(--navy-900); color: rgba(255,255,255,0.6); padding-top: var(--sp-6); font-size: var(--fs-sm); }
.footer__top { display: grid; gap: var(--sp-4); padding-bottom: var(--sp-5); }
@media (min-width: 900px) { .footer__top { grid-template-columns: 1.15fr 2fr; gap: var(--sp-6); } }
.brand--footer .brand__text strong { color: #fff; }
.brand--footer .brand__mark svg { fill: #fff; }
.footer__tag { margin-top: var(--sp-2); color: rgba(255,255,255,0.5); max-width: 36ch; }

.footer__cols { display: grid; gap: var(--sp-4); }
@media (min-width: 560px) { .footer__cols { grid-template-columns: repeat(3, 1fr); } }
.footer__col h4 { color: #fff; font-size: var(--fs-xs); letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: var(--sp-2); }
.footer__col ul { display: grid; gap: 0.6rem; }
.footer__col a { color: rgba(255,255,255,0.6); }
.footer__col a:hover { color: var(--blue-400); }
.footer__social { display: flex !important; gap: 0.8rem; margin-top: var(--sp-2); }
.footer__social a { width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.08); display: grid; place-items: center; font-size: 1rem; }
.footer__social a:hover { background: var(--blue-500); color: #fff; }
.footer__social .ico { fill: currentColor; stroke: none; }

.footer__bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: var(--sp-3) 0; display: grid; gap: 0.75rem; font-size: var(--fs-xs); color: rgba(255,255,255,0.38); }
@media (min-width: 900px) { .footer__bottom { grid-template-columns: auto 1fr; gap: var(--sp-5); align-items: center; } }
.footer__legal { max-width: 82ch; }
.footer__bottom p { margin: 0; }

.to-top {
  position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 90;
  width: 48px; height: 48px; display: grid; place-items: center;
  background: var(--blue-500); color: #fff; border: 0; border-radius: 50%;
  box-shadow: var(--shadow-blue);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: opacity var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease), visibility var(--dur-fast), background var(--dur-fast) var(--ease);
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--blue-600); }
.to-top svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- 17. Quote funnel ---------- */
.funnel { background: var(--sky-50); min-height: 60vh; padding: var(--sp-5) 0 var(--sp-7); }
.funnel__shell { max-width: 820px; margin-inline: auto; }
.funnel__head { text-align: center; margin-bottom: var(--sp-4); }
.funnel__head h1 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); }

.progress { margin-bottom: var(--sp-4); }
.progress__bar { height: 7px; background: var(--line); border-radius: var(--r-pill); overflow: hidden; }
.progress__fill { height: 100%; width: 0; background: linear-gradient(90deg, var(--blue-500), var(--blue-400)); border-radius: var(--r-pill); transition: width 0.4s var(--ease); }
.progress__meta { display: flex; justify-content: space-between; margin-top: 0.6rem; font-size: var(--fs-xs); font-weight: 700; color: var(--ink-400); }

.funnel__card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-lg); padding: clamp(1.5rem, 4vw, 2.6rem); }
.fstep { display: none; }
.fstep.is-active { display: block; animation: fadeinup 0.45s var(--ease) both; }
.fstep__q { font-size: clamp(1.3rem, 2.4vw, 1.75rem); margin-bottom: 0.4rem; }
.fstep__hint { font-size: var(--fs-sm); color: var(--ink-400); margin-bottom: var(--sp-3); }

/* selectable option tiles */
.opts { display: grid; gap: 0.7rem; margin-bottom: var(--sp-3); }
@media (min-width: 620px) { .opts--2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 620px) { .opts--3 { grid-template-columns: repeat(3, 1fr); } }
.opt { position: relative; display: block; cursor: pointer; }
/* Visually hidden but still a real, focusable, hit-testable control — a 0x0
   input loses keyboard focus in some browsers and confuses assistive tech. */
.opt input {
  position: absolute; top: 50%; left: 1.4rem;
  width: 1px; height: 1px; opacity: 0; margin: 0; padding: 0; border: 0;
}
.opt__box {
  display: flex; align-items: center; gap: 0.85rem;
  padding: 1rem 1.1rem; border: 2px solid var(--line); border-radius: var(--r-md);
  background: #fff; height: 100%;
  transition: border-color var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease);
}
.opt:hover .opt__box { border-color: var(--blue-200); transform: translateY(-2px); }
.opt input:focus-visible + .opt__box { outline: 3px solid var(--blue-400); outline-offset: 2px; }
.opt input:checked + .opt__box { border-color: var(--blue-500); background: var(--sky-50); box-shadow: 0 0 0 4px rgba(25, 110, 207, 0.12); }
.opt__ico { width: 38px; height: 38px; border-radius: var(--r-sm); background: var(--sky-100); display: grid; place-items: center; flex: none; }
.opt__ico svg { width: 20px; height: 20px; fill: none; stroke: var(--blue-600); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.opt input:checked + .opt__box .opt__ico { background: var(--blue-500); }
.opt input:checked + .opt__box .opt__ico svg { stroke: #fff; }
.opt__txt { min-width: 0; }
.opt__txt strong { display: block; color: var(--navy-800); font-size: var(--fs-sm); line-height: 1.3; }
.opt__txt span { font-size: var(--fs-xs); color: var(--ink-400); }
.opt__check {
  margin-left: auto; width: 22px; height: 22px; border-radius: 50%; flex: none;
  border: 2px solid var(--ink-300); display: grid; place-items: center;
  transition: background var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
}
.opt__check svg { width: 12px; height: 12px; fill: none; stroke: #fff; stroke-width: 3.2; stroke-linecap: round; stroke-linejoin: round; opacity: 0; transition: opacity var(--dur-fast) var(--ease); }
.opt input:checked + .opt__box .opt__check { background: var(--blue-500); border-color: var(--blue-500); }
.opt input:checked + .opt__box .opt__check svg { opacity: 1; }

.fnav { display: flex; align-items: center; justify-content: space-between; gap: 0.8rem; margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px solid var(--line); }
.fnav__spacer { flex: 1; }

.fsummary { display: grid; gap: 0.55rem; margin-bottom: var(--sp-3); background: var(--sky-50); border-radius: var(--r-md); padding: var(--sp-2); }
.fsummary li { display: flex; justify-content: space-between; gap: 1rem; font-size: var(--fs-sm); }
.fsummary dt, .fsummary .k { color: var(--ink-400); }
.fsummary .v { color: var(--navy-800); font-weight: 700; text-align: right; }

.funnel__done { text-align: center; padding: var(--sp-4) 0; }
.funnel__done .tick { width: 68px; height: 68px; margin: 0 auto var(--sp-3); border-radius: 50%; background: var(--green-50); display: grid; place-items: center; }
.funnel__done .tick svg { width: 32px; height: 32px; fill: none; stroke: var(--green-600); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }

.trust-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 1.4rem; margin-top: var(--sp-3); font-size: var(--fs-xs); color: var(--ink-400); font-weight: 600; }
.trust-row li { display: flex; align-items: center; gap: 0.4rem; }
.trust-row .ico { color: var(--green-600); stroke-width: 2.6; }

/* ---------- 18. Blog ---------- */
.post-grid { display: grid; gap: var(--sp-3); }
@media (min-width: 700px) { .post-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1050px) { .post-grid { grid-template-columns: repeat(3, 1fr); } }

.post-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden;
  display: flex; flex-direction: column; box-shadow: var(--shadow-xs);
  transition: box-shadow var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
}
.post-card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); border-color: var(--blue-200); }
/* The thumb now holds a real photo. overflow:hidden + object-fit keeps every
   card's crop identical regardless of the source aspect ratio. */
.post-card__thumb {
  aspect-ratio: 16 / 9; position: relative; overflow: hidden;
  background: var(--sky-100);
}
.post-card__thumb picture, .post-card__thumb img {
  width: 100%; height: 100%; display: block; object-fit: cover;
}
.post-card__thumb img {
  transition: transform 0.6s var(--ease-out);
}
.post-card:hover .post-card__thumb img { transform: scale(1.05); }
.post-card__body { padding: var(--sp-3); display: flex; flex-direction: column; gap: 0.7rem; flex: 1; }
.post-card__meta { display: flex; flex-wrap: wrap; gap: 0.5rem; align-items: center; font-size: var(--fs-xs); color: var(--ink-400); }
.post-card h3 { font-size: 1.2rem; margin: 0; }
.post-card h3 a { color: var(--navy-800); }
.post-card h3 a:hover { color: var(--blue-600); }
.post-card p { font-size: var(--fs-sm); margin: 0; flex: 1; }


/* article body */
.article { padding: var(--sp-5) 0 var(--sp-6); }
.article__head { margin-bottom: var(--sp-4); }
.article__meta { display: flex; flex-wrap: wrap; gap: 0.8rem; align-items: center; font-size: var(--fs-xs); color: var(--ink-400); margin-top: var(--sp-2); }
.prose { font-size: 1.0625rem; line-height: 1.75; color: var(--ink-700); }
.prose h2 { font-size: clamp(1.5rem, 2.6vw, 1.9rem); margin: var(--sp-4) 0 var(--sp-2); }
.prose h3 { font-size: 1.25rem; margin: var(--sp-3) 0 0.6rem; }
.prose ul, .prose ol { margin: 0 0 1.4em; padding-left: 1.4rem; }
.prose ul li { list-style: disc; margin-bottom: 0.5rem; }
.prose ol li { list-style: decimal; margin-bottom: 0.5rem; }
.prose table { margin: var(--sp-3) 0; font-size: var(--fs-sm); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.prose th { background: var(--canvas); color: var(--navy-800); text-align: left; padding: 0.8rem 1rem; border-bottom: 1px solid var(--line); font-weight: 700; }
.prose td { padding: 0.8rem 1rem; border-bottom: 1px solid var(--line); }
.prose tbody tr:last-child td { border-bottom: 0; }
.prose blockquote { margin: var(--sp-3) 0; padding: 1rem 1.3rem; border-left: 4px solid var(--blue-500); background: var(--sky-50); border-radius: 0 var(--r-md) var(--r-md) 0; font-style: italic; }
.prose strong { color: var(--navy-800); }

.toc { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-md); padding: var(--sp-3); margin-bottom: var(--sp-4); }
.toc h2 { font-size: var(--fs-xs) !important; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-400); margin: 0 0 0.8rem !important; }
.toc ol { display: grid; gap: 0.45rem; padding-left: 1.1rem; }
.toc li { list-style: decimal; font-size: var(--fs-sm); }

.inline-cta {
  margin: var(--sp-4) 0;
  background: linear-gradient(120deg, var(--navy-800), var(--navy-600));
  color: #fff; border-radius: var(--r-lg); padding: var(--sp-3) var(--sp-4);
  display: grid; gap: var(--sp-2); align-items: center;
}
@media (min-width: 760px) { .inline-cta { grid-template-columns: 1fr auto; gap: var(--sp-4); } }
.inline-cta h3 { color: #fff; margin-bottom: 0.3rem; font-size: 1.2rem; }
.inline-cta p { color: rgba(255,255,255,0.78); margin: 0; font-size: var(--fs-sm); }

.related { border-top: 1px solid var(--line); padding-top: var(--sp-4); margin-top: var(--sp-5); }

/* ---------- 19. Inner pages ---------- */
.page-hero { background: linear-gradient(180deg, var(--sky-50), #fff); padding: var(--sp-5) 0 var(--sp-4); }
.page-hero__inner { max-width: 820px; }
.page-hero h1 { margin-bottom: var(--sp-2); }
.page-hero p { color: var(--ink-600); font-size: var(--fs-lg); margin: 0; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 0.45rem; font-size: var(--fs-xs); color: var(--ink-400); margin-bottom: var(--sp-2); }
.breadcrumbs a { color: var(--ink-600); }
.breadcrumbs a:hover { color: var(--blue-600); }

.service-block { display: grid; gap: var(--sp-3); align-items: start; padding: var(--sp-5) 0; border-bottom: 1px solid var(--line); }
@media (min-width: 900px) { .service-block { grid-template-columns: 0.85fr 1.15fr; gap: var(--sp-5); } }
.service-block:last-of-type { border-bottom: 0; }
.service-block__aside { position: sticky; top: 110px; }

.feature-list { display: grid; gap: 0.9rem; margin-top: var(--sp-3); }
.feature-list li { display: grid; grid-template-columns: auto 1fr; gap: 1rem; padding: 1.1rem; border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; }
.feature-list strong { display: block; color: var(--navy-800); font-size: var(--fs-base); }
.feature-list p { font-size: var(--fs-sm); margin: 0.2rem 0 0; }
.feature-list .num { width: 32px; height: 32px; border-radius: 50%; background: var(--sky-100); color: var(--blue-600); display: grid; place-items: center; font-weight: 700; font-size: var(--fs-xs); }

.contact-grid { display: grid; gap: var(--sp-5); }
@media (min-width: 950px) { .contact-grid { grid-template-columns: 0.9fr 1.1fr; } }
.contact-list { display: grid; gap: 0.9rem; margin-top: var(--sp-3); }
.contact-list li { display: grid; grid-template-columns: auto 1fr; gap: 1rem; align-items: center; padding: 1.1rem; border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; }
.contact-list .card__icon { width: 42px; height: 42px; }
.contact-list .card__icon svg { width: 20px; height: 20px; }
.contact-list strong { display: block; color: var(--navy-800); font-size: var(--fs-sm); }
.contact-list a, .contact-list span { font-size: var(--fs-sm); color: var(--ink-600); }

.states-grid { display: grid; gap: var(--sp-3); }
@media (min-width: 760px) { .states-grid { grid-template-columns: repeat(3, 1fr); } }
.state-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: var(--sp-3); box-shadow: var(--shadow-xs); transition: box-shadow var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease); }
.state-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.state-card h3 { display: flex; align-items: center; gap: 0.6rem; font-size: var(--fs-h4); }
.state-card__flag { width: 34px; height: 34px; border-radius: var(--r-sm); background: var(--sky-100); display: grid; place-items: center; font-size: 0.7rem; font-weight: 700; color: var(--blue-600); letter-spacing: 0.02em; }
.state-card ul { display: grid; gap: 0.45rem; margin: 0.8rem 0; }
.state-card li { font-size: var(--fs-sm); padding-left: 1.2rem; position: relative; }
.state-card li::before { content: ""; position: absolute; left: 0; top: 0.62em; width: 5px; height: 5px; border-radius: 50%; background: var(--blue-400); }

/* ---------- 20. Reveal animations ---------- */
@keyframes fadeinup    { from { opacity: 0; transform: translateY(40px); }  to { opacity: 1; transform: translateY(0); } }
@keyframes fadeinleft  { from { opacity: 0; transform: translateX(-40px); } to { opacity: 1; transform: translateX(0); } }
@keyframes fadeinright { from { opacity: 0; transform: translateX(40px); }  to { opacity: 1; transform: translateX(0); } }
@keyframes fadein      { from { opacity: 0; } to { opacity: 1; } }

/* Hidden with opacity (not visibility) so a missed trigger can never make
   content unreachable. main.js also runs a safety sweep. */
.js [data-anim] { opacity: 0; }
.js [data-anim].is-visible { opacity: 1; }
.js [data-anim="block"].is-visible,
.js [data-anim="fade"].is-visible,
.js [data-anim="left"].is-visible,
.js [data-anim="right"].is-visible { animation-duration: var(--dur); animation-timing-function: var(--ease); animation-fill-mode: both; }
.js [data-anim="block"].is-visible { animation-name: fadeinup; }
.js [data-anim="fade"].is-visible  { animation-name: fadein; }
.js [data-anim="left"].is-visible  { animation-name: fadeinleft; }
.js [data-anim="right"].is-visible { animation-name: fadeinright; }

.js [data-anim="seq"] > *, .js [data-anim="word"] .anim-word { opacity: 0; }
.js [data-anim="seq"].is-visible > *,
.js [data-anim="word"].is-visible .anim-word { animation: fadeinup var(--dur) var(--ease) both; animation-delay: var(--d, 0s); }
.js [data-anim="seq"], .js [data-anim="word"] { opacity: 1; }
.anim-word { display: inline-block; white-space: pre; }

@media (prefers-reduced-motion: reduce) {
  .js [data-anim], .js [data-anim] > *, .js .anim-word { opacity: 1 !important; animation: none !important; }
  .step::after { transition: none; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------- 21. Responsive ---------- */
@media (max-width: 1024px) {
  .nav-toggle { display: grid; }
  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(88vw, 370px);
    background: #fff; border-left: 1px solid var(--line);
    flex-direction: column; align-items: stretch; justify-content: flex-start;
    gap: var(--sp-3); padding: 5.5rem 1.6rem 2rem;
    transform: translateX(100%); transition: transform 0.35s var(--ease);
    box-shadow: var(--shadow-lg); overflow-y: auto; z-index: 110;
  }
  .nav.is-open { transform: none; }
  .nav__list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav__list > li { border-bottom: 1px solid var(--line); }
  .nav__list a { padding: 0.95rem 0; font-size: 1.05rem; }
  .nav__cta { flex-direction: column; align-items: stretch; margin-top: var(--sp-2); }
  .nav__cta .btn { width: 100%; }
  .nav-toggle { position: relative; z-index: 120; }
  body.nav-open { overflow: hidden; }
  body.nav-open::after { content: ""; position: fixed; inset: 0; background: rgba(7,26,51,0.45); z-index: 105; backdrop-filter: blur(2px); }
}
@media (max-width: 900px) {
  .service-block__aside { position: static; }
}
@media (max-width: 640px) {
  :root { --sp-7: 3.5rem; --sp-6: 2.75rem; --sp-5: 2.25rem; }
  .btn { padding: 0.8rem 1.4rem; }
  .btn--lg { padding: 0.95rem 1.7rem; font-size: var(--fs-sm); }
  .fnav { flex-wrap: wrap; }
  .fnav .btn { flex: 1; }
}

/* ---------- Print ---------- */
@media print {
  .header, .to-top, .cta-band, .logo-marquee, .reviews__viewport, .nav { display: none !important; }
  body { color: #000; }
  .section--dark, .stats, .footer { background: #fff !important; color: #000 !important; }
  .js [data-anim], .js [data-anim] > *, .js .anim-word { opacity: 1 !important; animation: none !important; }
}


/* ---------- 22. Legal pages ---------- */
.legal { max-width: 72ch; }
.legal h2 {
  font-size: clamp(1.2rem, 2vw, 1.45rem); margin-top: var(--sp-5);
  padding-top: var(--sp-4); border-top: 1px solid var(--line);
}
.legal h2:first-of-type { margin-top: var(--sp-4); }
.legal ul { margin: 0 0 1.1rem; padding-left: 1.15rem; list-style: disc; }
.legal li { margin-bottom: 0.45rem; }
.legal em { color: var(--blue-600); font-style: normal; font-weight: 600; }
.legal__updated { font-size: var(--fs-xs); color: var(--ink-400); margin-bottom: var(--sp-4); }
/* the template caveat is meant to be noticed, not buried */
.legal__notice {
  background: var(--sky-50); border: 1px solid var(--blue-200);
  border-left: 4px solid var(--blue-500);
  border-radius: var(--r-md); padding: var(--sp-3) var(--sp-4); margin-bottom: var(--sp-5);
}
.legal__notice p { font-size: var(--fs-sm); margin: 0; color: var(--ink-600); }
.footer__legal-links { font-size: var(--fs-xs); margin-top: 0.4rem; }
.footer__legal-links a { color: rgba(255,255,255,0.55); }
.footer__legal-links a:hover { color: #fff; }
.footer__legal-links span { color: rgba(255,255,255,0.3); margin: 0 0.35rem; }