/* ========================================================
   SNAP Insurance Service, LLC  —  matches Framer redesign
   ======================================================== */

*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }

:root {
  /* ============================================================
     OFFICIAL BRAND PALETTE — six approved colors. No others.
     Source: SNAP Brand Guidelines v1.0 (2026).
     "Constraint is the brand."
     ============================================================ */
  --p-navy:       #101d30;   /* ink, deepest backgrounds */
  --p-deep:       #133566;   /* support blue, body on cream, hero panels */
  --p-royal:      #1042c9;   /* PRIMARY action color — buttons, links, focus */
  --p-sky:        #5a8aee;   /* accent — highlights on dark, sparing on light */
  --p-white:      #ffffff;
  --p-cream:      #f4f1ec;

  /* ============================================================
     SEMANTIC TOKENS — every component reads from these,
     and these only resolve to the six palette colors above.
     ============================================================ */

  /* Surfaces */
  --bg-page:        var(--p-cream);   /* default page bg */
  --bg-surface:     var(--p-white);   /* cards, inputs, modals */
  --bg-wash:        color-mix(in srgb, var(--p-sky) 8%, var(--p-cream));
  --bg-brand:       var(--p-royal);
  --bg-brand-deep:  var(--p-navy);
  --bg-brand-soft:  color-mix(in srgb, var(--p-sky) 12%, var(--p-cream));

  /* Foreground / text */
  --fg-1:           var(--p-navy);    /* primary text */
  --fg-2:           color-mix(in srgb, var(--p-navy) 78%, var(--p-cream));
  --fg-3:           color-mix(in srgb, var(--p-navy) 55%, var(--p-cream));
  --fg-muted:       color-mix(in srgb, var(--p-navy) 40%, var(--p-cream));
  --fg-brand:       var(--p-royal);
  --fg-on-brand:    var(--p-white);
  --fg-on-dark:     var(--p-white);
  --fg-on-dark-soft: color-mix(in srgb, var(--p-white) 78%, transparent);
  --fg-on-dark-mut:  color-mix(in srgb, var(--p-white) 55%, transparent);

  /* Borders */
  --border-subtle:  color-mix(in srgb, var(--p-navy) 8%, var(--p-cream));
  --border-default: color-mix(in srgb, var(--p-navy) 15%, var(--p-cream));
  --border-strong:  color-mix(in srgb, var(--p-navy) 25%, var(--p-cream));
  --border-focus:   var(--p-royal);

  /* Radii — friendly rounding, never sharp */
  --r-xs:    6px;
  --r-sm:    10px;
  --r-md:    14px;   /* default inputs */
  --r-lg:    20px;   /* cards (★ default) */
  --r-xl:    28px;   /* hero cards */
  --r-pill:  999px;

  /* Shadows — cool, never black */
  --shadow-xs: 0 1px 2px rgba(16, 32, 64, 0.04);
  --shadow-sm: 0 2px 6px rgba(16, 32, 64, 0.06), 0 1px 2px rgba(16, 32, 64, 0.04);
  --shadow-md: 0 8px 20px rgba(16, 32, 64, 0.08), 0 2px 4px rgba(16, 32, 64, 0.04);
  --shadow-lg: 0 20px 40px rgba(16, 32, 64, 0.10), 0 4px 8px rgba(16, 32, 64, 0.05);
  --shadow-focus: 0 0 0 4px color-mix(in srgb, var(--p-royal) 28%, transparent);

  /* Brand gradients — used on hero panels / CTA strips only */
  --grad-brand:      linear-gradient(135deg, var(--p-deep) 0%, var(--p-royal) 60%, var(--p-sky) 100%);
  --grad-brand-deep: linear-gradient(180deg, var(--p-navy) 0%, var(--p-deep) 100%);
  --grad-soft-sky:   linear-gradient(180deg, color-mix(in srgb, var(--p-sky) 14%, var(--p-cream)) 0%, var(--p-cream) 100%);

  /* Motion — calm decelerate, no bounce */
  --ease-out:    cubic-bezier(0.22, 1, 0.36, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
  --dur-fast:    120ms;
  --dur-base:    200ms;
  --dur-slow:    320ms;

  /* Typography */
  --serif:        'Arsenal', 'Inter', system-ui, sans-serif;
  --sans:         'Inter', system-ui, sans-serif;
  --accent-font:  'Arsenal', 'Inter', system-ui, sans-serif;

  /* Layout */
  --max:          1240px;
  --pad:          clamp(20px, 4vw, 56px);

  /* ============================================================
     LEGACY TOKEN ALIASES — remap old names to brand values.
     Keeps existing page CSS working while we refactor in passes.
     DO NOT add new uses of these — use the semantic tokens above.
     ============================================================ */
  --cream:         var(--p-cream);
  --cream-2:       color-mix(in srgb, var(--p-cream) 95%, var(--p-navy));
  --pale-blue:     var(--bg-wash);
  --pale-blue-2:   color-mix(in srgb, var(--p-sky) 14%, var(--p-cream));
  --pale-gray:     var(--border-subtle);

  --navy-deep:     var(--p-navy);
  --navy:          var(--p-navy);
  --navy-soft:     var(--p-deep);
  --button-navy:   var(--p-navy);

  --accent:        var(--p-royal);
  --accent-deep:   var(--p-deep);
  --accent-mid:    var(--p-deep);
  --accent-soft:   var(--p-sky);

  --ink:           var(--fg-1);
  --ink-soft:      var(--fg-2);
  --ink-muted:     var(--fg-3);
  --on-dark:       var(--fg-on-dark);
  --on-dark-soft:  var(--fg-on-dark-soft);
  --on-dark-mut:   var(--fg-on-dark-mut);
}

html, body {
  font-family: var(--sans);
  font-weight: 400;
  font-size: 17px;
  line-height: 1.5;
  color: var(--p-deep);
  background: var(--p-cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
em { font-style: italic; font-family: var(--accent-font); font-weight: 400; }

/* H1 / Section headings — Inter 39px Medium */
h1, h2 {
  font-family: var(--sans);
  font-weight: 500;
  letter-spacing: -0.02em;
}
p { font-size: 17px; }

/* ==================== HERO ==================== */
.hero {
  position: relative;
  width: 100%;
  height: clamp(560px, 70vh, 760px);
  overflow: hidden;
  padding: 24px var(--pad);
  display: flex;
  flex-direction: column;
  align-items: center;
}
.hero-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  z-index: 0;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(180deg, rgba(8,15,30,0.35) 0%, rgba(8,15,30,0.15) 30%, rgba(8,15,30,0.25) 60%, rgba(8,15,30,0.55) 100%);
}
.hero-center {
  position: relative;
  z-index: 4;
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: clamp(28px, 4vh, 48px);
  width: 100%;
}

/* ---- floating unified nav pill ---- */
.nav-wrap {
  position: relative;
  z-index: 5;
  width: 100%;
  max-width: 1320px;
  margin: 0 auto;
}
/* Spanish: allow more room for longer labels */
html[lang="es"] .nav-wrap { max-width: 1400px; }
.nav-pill {
  padding: 8px 8px 8px 22px;
  display: flex;
  align-items: center;
  gap: 18px;
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 16px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.25);
}
/* Spanish: tighter spacing so longer labels fit on one line */
html[lang="es"] .nav-pill {
  gap: 10px;
  padding-left: 18px;
}
html[lang="es"] .nav-lang { margin-right: 4px; }
html[lang="es"] .nav-cta { gap: 4px; }
.nav-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.nav-logo img { height: 30px; width: auto; display: block; }

.nav-links {
  display: flex;
  gap: 2px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-size: 13px;
  font-weight: 500;
  color: var(--on-dark);
  padding: 8px 14px;
  border-radius: 10px;
  letter-spacing: 0.005em;
  white-space: nowrap;
  line-height: 1.1;
  transition: background 0.2s;
}
/* Spanish locale: tighten nav so longer labels still fit on one row */
html[lang="es"] .nav-links { gap: 0; }
html[lang="es"] .nav-links a {
  font-size: 12px;
  padding: 8px 10px;
}
.nav-links a:hover { background: rgba(255,255,255,0.12); }

.nav-cta { display: flex; gap: 6px; }

/* -------- EN / ES language toggle -------- */
.nav-lang {
  display: inline-flex;
  align-items: center;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 999px;
  padding: 3px;
  margin-right: 8px;
}
.lang-opt {
  appearance: none;
  background: transparent;
  border: none;
  color: rgba(255,255,255,0.55);
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 6px 12px;
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.2s;
}
.lang-opt:hover:not(:disabled) {
  color: var(--on-dark);
}
.lang-opt.active {
  background: rgba(255,255,255,0.18);
  color: var(--on-dark);
}
.lang-opt:disabled {
  opacity: 0.45;
  cursor: not-allowed;
}
.nav-login {
  display: inline-flex;
  align-items: center;
  font-size: 13px;
  font-weight: 600;
  padding: 10px 18px;
  border-radius: 999px;
  white-space: nowrap;
  color: var(--on-dark);
  border: 1px solid rgba(255,255,255,0.35);
  background: transparent;
  transition: all 0.2s;
}
.nav-login:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.55);
}
/* Spanish: tighter login pills (longer labels) */
html[lang="es"] .nav-login {
  font-size: 11.5px;
  padding: 9px 12px;
  letter-spacing: 0;
}

.nav-burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 28px;
  height: 28px;
  padding: 4px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-burger span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--p-white);
  border-radius: 1px;
}
/* Light-variant: dark burger on cream pages */
.claims-nav .nav-burger span,
.faq-nav .nav-burger span,
.contact-nav .nav-burger span,
.forms-nav .nav-burger span {
  background: var(--p-navy);
}

/* ---- hero text ---- */
.hero-content {
  text-align: center;
  color: var(--on-dark);
}
.hero-eyebrow {
  font-family: var(--accent-font);
  font-size: clamp(20px, 2vw, 27px);
  font-style: italic;
  font-weight: 400;
  letter-spacing: 0.01em;
  margin-bottom: 4px;
  opacity: 0.95;
}
.hero-eyebrow strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  letter-spacing: 0.01em;
  margin-left: 6px;
}
.hero-headline {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1.05;
  letter-spacing: -0.01em;
  text-shadow: 0 2px 30px rgba(0,0,0,0.3);
}
.hero-headline em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  letter-spacing: -0.005em;
  margin: 0 0.04em;
}
.hero-headline strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  margin: 0 0.04em;
}

/* ---- floating action pills ---- */
.hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}
.glass-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 22px;
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 999px;
  color: var(--on-dark);
  font-size: 13px;
  font-weight: 500;
  transition: all 0.25s ease;
}
.glass-pill:hover {
  background: rgba(255,255,255,0.20);
}
.arrow {
  font-size: 0.85em;
  opacity: 0.85;
  transition: transform 0.2s;
}
.glass-pill:hover .arrow { transform: translate(2px, -2px); }

/* ==================== EMPOWERING ==================== */
.empower {
  background: var(--cream);
  padding: 64px var(--pad) 32px;
}
.empower-tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(15px, 1.3vw, 18px);
  color: var(--ink-soft);
  margin-bottom: 16px;
}
.empower-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(40px, 6vw, 96px);
  align-items: center;
}
.empower-text h2 {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--ink);
  margin-bottom: 28px;
}
.empower-text p {
  color: var(--ink-soft);
  font-size: 17px;
  line-height: 1.6;
  margin-bottom: 32px;
}
.btn-navy {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--button-navy);
  color: var(--on-dark);
  font-weight: 600;
  font-size: 13px;
  padding: 13px 24px;
  border-radius: var(--r-pill);
  transition: background var(--dur-base) var(--ease-out);
}
.btn-navy:hover {
  background: var(--p-deep);
}

.empower-photo img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.12);
}
.empower-rule {
  max-width: var(--max);
  margin: 60px auto 0;
  height: 1px;
  border: none;
  background: rgba(16, 29, 48, 0.10);
}

/* ==================== STATS ==================== */
.stats {
  background: linear-gradient(180deg, var(--pale-blue) 0%, var(--pale-blue-2) 100%);
  padding: clamp(72px, 8vw, 100px) var(--pad);
  text-align: center;
}
.stats-eyebrow {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 20px;
  opacity: 0.85;
}
.stats-heading {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: var(--navy-deep);
  margin-bottom: clamp(48px, 6vw, 72px);
}
.stats-heading em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
}
.stats-grid {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat-num {
  font-family: var(--accent-font);
  font-size: clamp(26px, 2.4vw, 32px);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--navy-deep);
  line-height: 1;
  margin-bottom: 12px;
}
.stat-label {
  color: var(--ink-soft);
  font-size: 15px;
  font-weight: 400;
  letter-spacing: 0.005em;
}

/* Thin sky-blue bar that grows in sync with the count-up */
.stat-bar {
  position: relative;
  height: 2px;
  background: rgba(37, 146, 200, 0.14);
  border-radius: 1px;
  margin: 14px 0 10px;
  overflow: hidden;
}
.stat-bar-fill {
  position: absolute;
  inset: 0;
  background: var(--accent);
  border-radius: 1px;
  transform: scaleX(0);
  transform-origin: left center;
  will-change: transform;
}

/* ==================== SCROLL-REVEAL ====================
   Elements with .reveal start hidden + shifted, slide up smoothly when
   they enter the viewport (JS adds .is-visible).
   Subtle by design — should feel like settling, not jumping.
*/
.reveal,
.reveal-stagger > * {
  opacity: 0;
  transform: translateY(14px);
  transition:
    opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
  will-change: opacity, transform;
}
.reveal.is-visible,
.reveal-stagger > .is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* If user has reduce-motion on, skip everything */
@media (prefers-reduced-motion: reduce) {
  .reveal,
  .reveal-stagger > * {
    opacity: 1;
    transform: none;
    transition: none;
  }
  .stat-bar-fill { transform: scaleX(1); }
}

/* ==================== WHY CHOSE US ==================== */
.why {
  position: relative;
  overflow: hidden;
  background: radial-gradient(120% 120% at 50% 0%, #0F2942 0%, #0A1F33 46%, #061425 100%);
  padding: clamp(64px, 9vw, 110px) var(--pad);
}
.why-inner {
  position: relative;
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: clamp(36px, 5vw, 64px);
  align-items: stretch;
}
.why-eyebrow {
  font-family: var(--sans);
  font-size: 13px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: #3f8ce0; margin-bottom: 18px;
}
.why-title {
  font-family: var(--sans); font-weight: 500;
  font-size: clamp(24px, 2.4vw, 32px);
  line-height: 1.15; letter-spacing: -0.02em;
  color: var(--p-white); margin: 0;
}
.why-title .hl { color: #3a7fd1; }
.why-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(14px, 1.6vw, 20px);
  margin-top: clamp(28px, 3.6vw, 46px);
}
.why-card {
  position: relative;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: var(--r-lg);
  padding: clamp(20px,2.2vw,26px) clamp(18px,2vw,24px) clamp(24px,2.6vw,30px);
  display: flex; flex-direction: column;
  transition: transform 0.28s cubic-bezier(0.2,0.8,0.25,1),
    background 0.28s, border-color 0.28s, box-shadow 0.28s;
}
.why-card .why-ic {
  width: 48px; height: 48px; border-radius: 13px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  display: grid; place-items: center;
  color: rgba(255,255,255,0.9);
  margin-bottom: clamp(22px,3vw,34px);
  transition: background 0.28s, border-color 0.28s, color 0.28s;
}
.why-card .why-ic svg { width: 22px; height: 22px; }
.why-card h3 {
  font-family: var(--sans); font-weight: 700;
  font-size: clamp(17px,1.4vw,19px); line-height: 1.25;
  color: var(--p-white); margin: 0 0 10px;
}
.why-card p {
  font-family: var(--sans); font-weight: 400;
  font-size: 14px; line-height: 1.55;
  color: var(--fg-on-dark-mut); margin: 0;
}
.why-card:hover {
  transform: translateY(-6px);
  background: rgba(90,138,238,0.10);
  border-color: rgba(90,138,238,0.55);
  box-shadow: 0 20px 44px rgba(6,12,24,0.5);
}
.why-card:hover .why-ic {
  background: rgba(90,138,238,0.20);
  border-color: rgba(90,138,238,0.55);
  color: #dce7fb;
}
.why-quote {
  position: relative; border-radius: 22px; overflow: hidden;
  background: linear-gradient(180deg, #aed1ef 0%, #9bc7eb 100%);
  min-height: 340px;
}
.why-qhead {
  position: absolute; z-index: 4;
  top: clamp(20px,2.4vw,30px);
  left: clamp(20px,2.2vw,26px); right: 20px;
}
.why-qhead .l1 { font-family: var(--sans); font-weight: 400; font-size: clamp(20px,2vw,25px); line-height: 1.12; color: #0e2236; }
.why-qhead .l2 { font-family: var(--sans); font-weight: 800; font-size: clamp(20px,2vw,25px); line-height: 1.12; color: var(--p-royal); margin-bottom: 8px; }
.why-qhead .es { font-family: var(--serif); font-style: italic; font-size: clamp(15px,1.4vw,18px); line-height: 1.2; color: #2f6cab; }
.why-bird {
  position: absolute; z-index: 2;
  left: -10%; width: 120%; top: 26%; bottom: 64px;
  pointer-events: none;
}
.why-bird img {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
  filter: drop-shadow(0 6px 11px rgba(8,16,30,0.22));
}
.why-banner {
  position: absolute; z-index: 5; left: 0; right: 0; bottom: 0;
  min-height: 60px; padding: 11px 12px;
  border-radius: 0 0 22px 22px; background: #2f6cab;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 1px;
}
.why-banner .en { font-family: var(--sans); font-weight: 700; font-size: 17px; color: var(--p-white); }
.why-banner .es { font-family: var(--serif); font-style: italic; font-size: 14px; color: #d6e6fb; }

@media (max-width: 960px) {
  .why-inner { grid-template-columns: 1fr; gap: 36px; }
  .why-quote { width: min(380px, 100%); margin: 0 auto; min-height: 470px; }
}
@media (max-width: 680px) {
  .why-cards { grid-template-columns: 1fr; }
  .why-bird { left: -10%; width: 118%; }
}

/* ==================== POLICY FORMS ==================== */
.forms {
  background: linear-gradient(180deg, var(--p-deep) 0%, var(--p-navy) 100%);
  padding: clamp(72px, 9vw, 120px) var(--pad);
  position: relative;
  overflow: hidden;
}
.forms::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(90, 138, 238, 0.10) 0%, transparent 65%);
  pointer-events: none;
}
.forms > * { position: relative; z-index: 1; }
.forms-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: clamp(40px, 6vw, 96px);
  align-items: start;
}
.forms-eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.22em;
  color: var(--p-sky);
  margin-bottom: 18px;
}
.forms-text h2 {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--on-dark);
  margin-bottom: 22px;
}
.forms-body {
  color: var(--on-dark-soft);
  font-size: 17px;
  line-height: 1.6;
  max-width: 480px;
}

.forms-cards {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.form-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 26px;
  background: color-mix(in srgb, var(--p-navy) 50%, transparent);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 16px;
  transition: background var(--dur-base) var(--ease-out),
              border-color var(--dur-base) var(--ease-out);
}
.form-card:hover {
  background: color-mix(in srgb, var(--p-navy) 65%, transparent);
  border-color: color-mix(in srgb, var(--p-sky) 40%, transparent);
}
.form-card h3 {
  color: var(--on-dark);
  font-size: 17px;
  font-weight: 500;
  margin-bottom: 4px;
}
.form-card p {
  color: var(--on-dark-mut);
  font-size: 15px;
}
.form-arrow {
  color: var(--p-sky);
  font-size: 22px;
  transition: transform var(--dur-base) var(--ease-out);
}
.form-card:hover .form-arrow { transform: translateX(4px); }

/* ==================== FOOTER ==================== */
.footer {
  background: var(--p-navy);
  color: var(--on-dark);
  padding: 72px var(--pad) 24px;
}
.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
}
.footer-logo {
  height: 36px;
  width: auto;
  margin-bottom: 20px;
}
.footer-tagline {
  color: var(--on-dark-soft);
  font-size: 14px;
  line-height: 1.6;
  max-width: 340px;
  margin-bottom: 18px;
}
.footer-address {
  font-family: var(--serif);
  font-style: italic;
  font-size: 14px;
  color: var(--on-dark-mut);
}
.footer-col h4 {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  color: var(--on-dark-mut);
  margin-bottom: 20px;
  text-transform: uppercase;
}
.footer-col a {
  display: block;
  font-size: 14px;
  color: var(--on-dark);
  padding: 6px 0;
  opacity: 0.85;
  transition: opacity 0.2s;
}
.footer-col a:hover { opacity: 1; color: var(--accent); }

.footer-bottom {
  max-width: var(--max);
  margin: 0 auto;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
  font-size: 12px;
  color: var(--on-dark-mut);
}

/* ==================== RESPONSIVE ==================== */

/* Tablet and below: collapse nav-links + cta + lang into a burger menu */
@media (max-width: 1200px) {
  /* Pill keeps showing — only contents collapse */
  .nav-pill {
    /* Layout becomes: logo on left, burger on right, everything else hidden by default */
    flex-wrap: wrap;
    gap: 12px;
  }
  .nav-links,
  .nav-cta,
  .nav-lang {
    display: none;
  }
  .nav-burger {
    display: flex;
    margin-left: auto;
  }

  /* Open state */
  body.nav-open .nav-pill {
    /* Stack everything vertically inside the pill */
    flex-direction: column;
    align-items: stretch;
    padding: 14px;
    gap: 10px;
  }
  body.nav-open .nav-logo {
    align-self: flex-start;
  }
  body.nav-open .nav-burger {
    position: absolute;
    top: 14px;
    right: 14px;
  }
  body.nav-open .nav-links {
    display: flex;
    flex-direction: column;
    gap: 2px;
    width: 100%;
    border-top: 1px solid rgba(255,255,255,0.12);
    padding-top: 10px;
    margin-top: 4px;
  }
  body.nav-open .nav-links a {
    padding: 12px 14px;
    font-size: 15px;
    text-align: left;
  }
  body.nav-open .nav-cta {
    display: flex;
    flex-direction: column;
    width: 100%;
    gap: 8px;
    border-top: 1px solid rgba(255,255,255,0.12);
    padding-top: 10px;
  }
  body.nav-open .nav-login {
    justify-content: center;
    padding: 11px 14px;
    font-size: 14px;
  }
  body.nav-open .nav-lang {
    display: inline-flex;
    align-self: flex-start;
    margin-right: 0;
  }

  /* Burger turns into X when open */
  body.nav-open .nav-burger span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }
  body.nav-open .nav-burger span:nth-child(2) {
    opacity: 0;
  }
  body.nav-open .nav-burger span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }
  .nav-burger span {
    transition: transform 0.25s ease, opacity 0.2s ease;
  }

  /* Light-variant menus (Claims/FAQ/Contact pages) — dividers on dark navy */
  body.nav-open .claims-nav .nav-links,
  body.nav-open .faq-nav .nav-links,
  body.nav-open .contact-nav .nav-links,
  body.nav-open .claims-nav .nav-cta,
  body.nav-open .faq-nav .nav-cta,
  body.nav-open .contact-nav .nav-cta {
    border-top-color: rgba(16, 29, 48, 0.12);
  }
}

/* Phone-specific: tighten everything for narrow viewports */
@media (max-width: 600px) {
  .nav-wrap {
    padding: 14px 16px;
  }
  .nav-pill {
    padding: 8px 8px 8px 16px;
  }
  .nav-logo img { height: 26px; }
}

@media (max-width: 860px) {
  .empower-inner { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 56px 24px; }
  .forms-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 520px) {
  .hero { height: auto; min-height: 90vh; padding-bottom: 56px; }
  .hero-headline { white-space: normal; line-height: 1.05; }
  .hero-pills { flex-direction: column; align-items: stretch; width: 100%; max-width: 320px; }
  .glass-pill { justify-content: center; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
}


/* ======================================================
   ABOUT US PAGE STYLES
   ====================================================== */

/* Active nav link */
.nav-links a.active {
  background: rgba(255,255,255,0.14);
  font-weight: 600;
}

/* Hero variant for About */
.hero-about {
  height: clamp(480px, 60vh, 640px);
}
.hero-img-handshake {
  object-position: center 40%;
}
.hero-img-road {
  object-position: center 60%;
}
.hero-img-portrait {
  object-position: center 25%;
  filter: brightness(0.9);
}
.hero-headline-about {
  text-align: center;
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(32px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.01em;
}
.hero-headline-about em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
}
.hero-headline-about strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
}
.hero-underline {
  width: 64px;
  height: 1px;
  background: rgba(255,255,255,0.55);
  margin: 26px auto 0;
}

/* -------- Pull quote: centered statement -------- */
.about-quote {
  background: var(--cream);
  padding: clamp(72px, 9vw, 120px) var(--pad);
}
.about-quote-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(40px, 6vw, 96px);
  align-items: center;
}
.about-quote-centered {
  display: block;
  max-width: 760px;
  text-align: center;
}
.about-quote-centered .about-quote-mark {
  margin-left: auto;
  margin-right: auto;
}
.about-quote-mark {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  font-size: 80px;
  line-height: 0.7;
  color: var(--accent);
  margin-bottom: 14px;
  opacity: 0.6;
}
.about-quote-heading {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin-bottom: 28px;
}
.about-quote-heading em {
  font-family: var(--accent-font);
  font-style: italic;
}
.about-quote-body {
  color: var(--ink-soft);
  font-size: 17px;
  line-height: 1.6;
}
.about-quote-photo img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.12);
}

/* -------- Mission statement -------- */
.mission {
  background: var(--cream);
  padding: clamp(64px, 7vw, 96px) var(--pad) clamp(40px, 5vw, 56px);
}
.mission-inner {
  max-width: 880px;
  margin: 0 auto;
  text-align: center;
  padding-bottom: 0;
}
.mission-eyebrow {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 22px;
  opacity: 0.85;
}
.mission-statement {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(18px, 1.8vw, 24px);
  line-height: 1.45;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.mission-statement em { font-style: italic; }

/* -------- Our Values (brandbook style: cream bg, white tiles) -------- */
.values {
  background: var(--cream);
  padding: clamp(80px, 9vw, 120px) var(--pad);
}
.values-inner {
  max-width: var(--max);
  margin: 0 auto;
}
.values-eyebrow {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.18em;
  color: var(--accent-deep);
  margin-bottom: 14px;
}
.values-heading {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--navy-deep);
  margin-bottom: 16px;
}
.values-underline {
  width: 64px;
  height: 3px;
  background: var(--accent-deep);
  border-radius: 2px;
  margin-bottom: clamp(56px, 7vw, 84px);
}
.values-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(16px, 2vw, 28px);
  max-width: 920px;
  margin: 0 auto;
}
.value-item {
  text-align: center;
}
.value-tile {
  aspect-ratio: 1 / 1;
  background: var(--p-white);
  border: 1px solid var(--border-default);
  border-radius: 14px;
  padding: 22%;
  margin-bottom: 18px;
  box-shadow: 0 4px 16px rgba(16, 29, 48, 0.04);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s;
}
.value-tile:hover {
  box-shadow: 0 12px 28px rgba(16, 29, 48, 0.08);
}
.value-tile svg {
  width: 100%;
  height: 100%;
}
.value-num {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 700;
  color: var(--p-royal);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
}
.value-item h3 {
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-deep);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.value-item p {
  color: var(--ink-soft);
  font-size: 13px;
  line-height: 1.45;
}
.value-item p em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
}

/* -------- About body -------- */
.about-body {
  background: var(--cream);
  padding: clamp(80px, 9vw, 120px) var(--pad);
}
.about-body-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.about-body-photo img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.12);
}
.about-body-eyebrow {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 16px;
  opacity: 0.85;
}
.about-body-text h2 {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--ink);
  margin-bottom: 24px;
}
.about-body-lead {
  font-size: 19px;
  line-height: 1.5;
  color: var(--ink);
  margin-bottom: 20px;
  font-weight: 400;
}
.about-body-text p {
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-soft);
  margin-bottom: 18px;
}
.about-body-text p:last-child { margin-bottom: 0; }
.about-body-text strong { color: var(--ink); font-weight: 600; }

/* -------- Milestones -------- */
.milestones {
  background: linear-gradient(180deg, var(--cream) 0%, color-mix(in srgb, var(--p-cream) 95%, var(--p-navy)) 100%);
  padding: clamp(80px, 9vw, 120px) var(--pad);
}
.milestones-inner {
  max-width: 900px;
  margin: 0 auto;
}
.milestones-eyebrow {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 16px;
  text-align: center;
  opacity: 0.85;
}
.milestones-heading {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--ink);
  text-align: center;
  margin-bottom: 14px;
}
.milestones-note {
  font-family: var(--accent-font);
  font-style: italic;
  font-size: 14px;
  color: var(--ink-muted);
  text-align: center;
  margin-bottom: clamp(48px, 6vw, 72px);
  opacity: 0.75;
}
.milestones-list {
  list-style: none;
  padding: 0;
  margin: 0;
  position: relative;
}
.milestone {
  display: grid;
  grid-template-columns: 100px 32px 1fr;
  gap: 24px;
  align-items: start;
  padding-bottom: 36px;
  position: relative;
}
.milestone:last-child { padding-bottom: 0; }
.milestone-year {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  font-size: 28px;
  color: var(--accent-deep);
  letter-spacing: -0.02em;
  line-height: 1;
  padding-top: 2px;
  text-align: right;
}
.milestone-line {
  position: relative;
  width: 32px;
  height: 100%;
  display: flex;
  justify-content: center;
}
.milestone-line::before {
  content: "";
  position: absolute;
  top: 8px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 4px rgba(90, 138, 238,0.15);
}
.milestone-line::after {
  content: "";
  position: absolute;
  top: 22px;
  bottom: -20px;
  width: 1px;
  background: rgba(16, 29, 48, 0.12);
}
.milestone:last-child .milestone-line::after { display: none; }
.milestone-body h3 {
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
  letter-spacing: -0.005em;
}
.milestone-body p {
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink-soft);
}

/* -------- About closing CTA -------- */
.about-cta {
  background: var(--navy-deep);
  padding: clamp(80px, 10vw, 140px) var(--pad);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.about-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 50% at 50% 50%, rgba(90, 138, 238,0.15) 0%, transparent 65%);
  pointer-events: none;
}
.about-cta-inner {
  max-width: 700px;
  margin: 0 auto;
  position: relative;
}
.about-cta-inner h2 {
  font-family: var(--sans);
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 500;
  letter-spacing: -0.025em;
  line-height: 1.1;
  color: var(--on-dark);
  margin-bottom: 18px;
}
.about-cta-inner h2 em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  color: var(--accent);
}
.about-cta-inner p {
  color: var(--on-dark-soft);
  font-size: 17px;
  margin-bottom: 32px;
}
.btn-pill-light {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--p-white);
  color: var(--p-navy);
  font-weight: 600;
  font-size: 13px;
  padding: 14px 28px;
  border-radius: var(--r-pill);
  transition: background var(--dur-base) var(--ease-out);
}
.btn-pill-light:hover {
  background: color-mix(in srgb, var(--p-white) 92%, var(--p-navy));
}

/* -------- About responsive -------- */
@media (max-width: 860px) {
  .about-quote-inner { grid-template-columns: 1fr; }
  .values-grid-4 { grid-template-columns: repeat(2, 1fr); gap: 36px 32px; }
  .about-body-inner { grid-template-columns: 1fr; }
  .about-body-photo img { aspect-ratio: 4 / 3; }
  .milestone {
    grid-template-columns: 70px 24px 1fr;
    gap: 14px;
  }
  .milestone-year { font-size: 22px; }
}

@media (max-width: 520px) {
  .hero-about { height: auto; min-height: 70vh; padding-bottom: 56px; }
  .values-grid-4 { grid-template-columns: 1fr; }
}


/* ======================================================
   NAVY VARIANTS + GLOWING MILESTONES (About v2 updates)
   ====================================================== */

/* Mission — NAVY variant */
.mission-navy {
  background: var(--navy-deep);
  position: relative;
  overflow: hidden;
}
.mission-navy::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 80% at 50% 50%, rgba(120,180,240,0.22) 0%, rgba(90, 138, 238,0.10) 35%, transparent 70%),
    radial-gradient(ellipse 80% 100% at 50% 50%, rgba(90, 138, 238,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.mission-navy .mission-inner {
  border-bottom: none;
  padding-bottom: 0;
  position: relative;
  max-width: 1100px;
  text-align: center;
}
.mission-navy .mission-eyebrow {
  color: var(--accent);
}
.mission-navy .mission-statement {
  color: var(--on-dark);
  font-size: clamp(20px, 2vw, 28px);
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}

/* Milestones — NAVY variant with glowing dots */
.milestones-navy {
  background: var(--navy-deep);
  position: relative;
  overflow: hidden;
}
.milestones-navy::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 40% at 20% 30%, rgba(90, 138, 238,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 80% 70%, rgba(90, 138, 238,0.06) 0%, transparent 60%);
  pointer-events: none;
}
.milestones-navy .milestones-inner {
  position: relative;
}
.milestones-navy .milestones-eyebrow { color: var(--accent); }
.milestones-navy .milestones-heading { color: var(--on-dark); }

.milestones-navy .milestone-year {
  color: var(--accent);
}
.milestones-navy .milestone-body h3 {
  color: var(--on-dark);
}
.milestones-navy .milestone-body p {
  color: var(--on-dark-soft);
}
.milestones-navy .milestone-line::after {
  background: rgba(255,255,255,0.12);
}

/* GLOWING DOTS */
.milestones-navy .milestone-line::before {
  background: var(--accent);
  box-shadow:
    0 0 0 4px rgba(90, 138, 238,0.15),
    0 0 12px rgba(90, 138, 238,0.6),
    0 0 24px rgba(90, 138, 238,0.3);
  animation: pulseGlow 3s ease-in-out infinite;
}

/* Current/now milestone — extra glow */
.milestones-navy .milestone-current .milestone-line::before {
  background: var(--p-sky);
  box-shadow:
    0 0 0 6px rgba(90, 138, 238,0.18),
    0 0 20px rgba(90, 138, 238,0.8),
    0 0 40px rgba(90, 138, 238,0.4);
  animation: pulseGlowStrong 2.5s ease-in-out infinite;
}

@keyframes pulseGlow {
  0%, 100% {
    box-shadow:
      0 0 0 4px rgba(90, 138, 238,0.15),
      0 0 12px rgba(90, 138, 238,0.6),
      0 0 24px rgba(90, 138, 238,0.3);
  }
  50% {
    box-shadow:
      0 0 0 6px rgba(90, 138, 238,0.20),
      0 0 18px rgba(90, 138, 238,0.85),
      0 0 36px rgba(90, 138, 238,0.45);
  }
}

@keyframes pulseGlowStrong {
  0%, 100% {
    box-shadow:
      0 0 0 6px rgba(90, 138, 238,0.18),
      0 0 20px rgba(90, 138, 238,0.8),
      0 0 40px rgba(90, 138, 238,0.4);
  }
  50% {
    box-shadow:
      0 0 0 9px rgba(90, 138, 238,0.25),
      0 0 30px rgba(90, 138, 238,1.0),
      0 0 60px rgba(90, 138, 238,0.6);
  }
}

/* Override the milestones bg gradient for navy */
.milestones-navy {
  background: linear-gradient(180deg, var(--p-navy) 0%, var(--p-navy) 100%);
}


/* ======================================================
   BECOME AN AGENT PAGE STYLES
   ====================================================== */

/* Hero photo positioning for agent page */
.hero-img-agent {
  object-position: center 30%;
}

/* -------- Why become an agent (two-column) -------- */
.agent-why {
  background: var(--cream);
  padding: clamp(72px, 8vw, 110px) var(--pad);
}
.agent-why-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.agent-why-photo img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.15);
}
.agent-why-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 16px;
}
.agent-why-text h2 {
  font-family: var(--sans);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: var(--ink);
  margin-bottom: 32px;
}

/* Benefit list */
.agent-benefits {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.agent-benefits li {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
}
.agent-benefit-icon {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--p-royal);
  color: var(--p-white);
  border-radius: 9px;
}
.agent-benefit-icon svg {
  width: 17px;
  height: 17px;
}
.agent-why-quote {
  font-family: var(--accent-font);
  font-style: italic;
  font-size: 15px;
  color: var(--ink-muted);
  border-top: 1px solid rgba(16, 29, 48, 0.08);
  padding-top: 20px;
  margin-top: 8px;
}

/* -------- Apply today (NAVY band) -------- */
.agent-apply {
  background: var(--navy-deep);
  padding: clamp(64px, 8vw, 96px) var(--pad);
  position: relative;
  overflow: hidden;
  border-radius: 24px;
  margin: 0 var(--pad);
  text-align: center;
}
.agent-apply::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(90, 138, 238,0.10) 0%, transparent 65%);
  pointer-events: none;
}
.agent-apply-inner {
  max-width: 640px;
  margin: 0 auto;
  position: relative;
}
.agent-apply-chip {
  display: inline-block;
  padding: 7px 16px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 999px;
  color: var(--on-dark);
  font-size: 12px;
  font-weight: 500;
  margin-bottom: 22px;
  letter-spacing: 0.01em;
}
.agent-apply-heading {
  font-family: var(--sans);
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.1;
  color: var(--on-dark);
  margin-bottom: 14px;
}
.agent-apply-sub {
  color: var(--on-dark-soft);
  font-size: 17px;
  margin-bottom: 32px;
}

/* Blue pill CTA button — brandbook: darken 8% on hover, no lift, no glow */
.btn-blue-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--p-royal);
  color: var(--p-white);
  font-weight: 600;
  font-size: 13px;
  padding: 14px 28px;
  border-radius: var(--r-pill);
  transition: background var(--dur-base) var(--ease-out);
}
.btn-blue-pill:hover {
  background: color-mix(in srgb, var(--p-royal) 92%, var(--p-navy));
}
.btn-blue-pill:focus-visible {
  outline: none;
  box-shadow: var(--shadow-focus);
}

/* -------- Appointment documents (3-step) -------- */
.agent-docs {
  background: var(--cream);
  padding: clamp(80px, 10vw, 120px) var(--pad);
}
.agent-docs-inner {
  max-width: var(--max);
  margin: 0 auto;
  text-align: center;
}
.agent-docs-heading {
  font-family: var(--sans);
  font-size: clamp(28px, 3vw, 38px);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-bottom: 12px;
}
.agent-docs-sub {
  color: var(--ink-soft);
  font-size: 17px;
  margin-bottom: clamp(48px, 6vw, 72px);
}
.agent-docs-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  text-align: center;
}
.agent-step {
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.08);
  border-radius: 18px;
  padding: 36px 28px;
  transition: all 0.3s;
}
.agent-step:hover {
  box-shadow: 0 16px 40px rgba(16, 29, 48, 0.06);
  border-color: rgba(16, 66, 201, 0.25);
}
.agent-step-num {
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-muted);
  margin-bottom: 8px;
}
.agent-step h3 {
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 14px;
  letter-spacing: -0.005em;
  line-height: 1.25;
}
.agent-step-body {
  color: var(--ink-soft);
  font-size: 15px;
  line-height: 1.55;
  margin-bottom: 20px;
}
.agent-step-body a {
  color: var(--p-royal);
  text-decoration: none;
  font-weight: 500;
}
.agent-step-body a:hover { text-decoration: underline; }
.agent-step-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--p-royal);
  font-size: 14px;
  font-weight: 600;
  transition: all 0.2s;
}
.agent-step-link:hover {
  gap: 10px;
}

/* -------- Become an agent responsive -------- */
@media (max-width: 860px) {
  .agent-why-inner { grid-template-columns: 1fr; }
  .agent-why-photo img { aspect-ratio: 4 / 3; }
  .agent-docs-steps { grid-template-columns: 1fr; }
  .agent-apply { margin: 0; border-radius: 0; }
}


/* ======================================================
   POLICY FORMS PAGE
   ====================================================== */

/* Hero (navy band, no photo) */
.forms-hero {
  position: relative;
  background: linear-gradient(180deg, var(--p-navy) 0%, var(--p-navy) 100%);
  padding: 24px var(--pad) clamp(72px, 9vw, 110px);
  overflow: hidden;
}
.forms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 60% at 100% 30%, rgba(90, 138, 238,0.10) 0%, transparent 60%),
    radial-gradient(ellipse 40% 50% at 0% 70%, rgba(90, 138, 238,0.06) 0%, transparent 60%);
  pointer-events: none;
}
.forms-hero-inner {
  max-width: var(--max);
  margin: clamp(48px, 6vw, 80px) auto 0;
  position: relative;
}
.forms-breadcrumb {
  font-size: 14px;
  color: var(--on-dark-soft);
  margin-bottom: 24px;
}
.forms-breadcrumb a {
  color: var(--on-dark-soft);
  text-decoration: none;
  transition: color 0.2s;
}
.forms-breadcrumb a:hover { color: var(--on-dark); }
.forms-bc-sep {
  display: inline-block;
  margin: 0 8px;
  color: rgba(255,255,255,0.35);
}
.forms-eyebrow-blue {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.32em;
  color: var(--accent);
  margin-bottom: 18px;
}
.forms-hero-headline {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(32px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: var(--on-dark);
  margin-bottom: 16px;
}
.forms-hero-headline em {
  font-style: italic;
}
.forms-hero-underline {
  width: 64px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
  margin-bottom: 26px;
}
.forms-hero-sub {
  font-size: 17px;
  color: var(--on-dark-soft);
  line-height: 1.6;
  max-width: 620px;
}

/* Tabs section */
.forms-tabs-section {
  background: var(--p-white);
  padding: clamp(48px, 6vw, 72px) var(--pad) clamp(72px, 9vw, 110px);
}
.forms-tabs-inner {
  max-width: var(--max);
  margin: 0 auto;
}
.forms-tabs {
  position: relative;
  display: flex;
  gap: 36px;
  border-bottom: 1px solid rgba(16, 29, 48, 0.10);
  margin-bottom: clamp(48px, 6vw, 64px);
}
.forms-tab {
  appearance: none;
  background: none;
  border: none;
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink-muted);
  padding: 14px 4px 18px;
  cursor: pointer;
  position: relative;
  transition: color 0.2s;
  letter-spacing: -0.005em;
}
.forms-tab:hover { color: var(--ink); }
.forms-tab.active { color: var(--ink); }
.forms-tab.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -1px;
  height: 2.5px;
  background: var(--accent);
  border-radius: 2px;
}

/* Tab panels */
.forms-tab-content { display: none; }
.forms-tab-content.active { display: block; }

.forms-section-head {
  margin-bottom: 36px;
}
.forms-section-head h2 {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  font-size: clamp(24px, 2.6vw, 32px);
  color: var(--ink);
  margin-bottom: 10px;
  letter-spacing: -0.015em;
}
.forms-section-head h2 em {
  font-style: italic;
}
.forms-section-head p {
  font-size: 15px;
  color: var(--ink-muted);
  line-height: 1.55;
}

/* Forms grid (single column) */
.forms-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}

/* Single-row form */
.form-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.10);
  border-radius: 14px;
  text-decoration: none;
  color: inherit;
  transition: all 0.25s;
}
.form-row:hover {
  border-color: rgba(16, 66, 201, 0.45);
  background: rgba(16, 66, 201, 0.02);
}
.form-badge {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(16, 66, 201, 0.10);
  color: var(--p-royal);
  border-radius: 9px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
}
.form-row-text {
  flex: 1;
  min-width: 0;
}
.form-row-text h3 {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 2px;
  letter-spacing: -0.005em;
  line-height: 1.3;
}
.form-row-text p {
  font-size: 13px;
  color: var(--ink-muted);
  line-height: 1.4;
}
.form-row-text strong {
  color: var(--ink);
  font-weight: 600;
}
.form-row-arrow {
  font-size: 18px;
  color: var(--p-royal);
  flex-shrink: 0;
  transition: transform 0.2s;
}
.form-row:hover .form-row-arrow { transform: translateY(3px); }

/* Form group (Specimen Policy + sub-items) — spans full width */
.form-group {
  grid-column: 1 / -1;
  background: color-mix(in srgb, var(--p-cream) 60%, transparent);
  border: 1px solid rgba(16, 29, 48, 0.06);
  border-radius: 16px;
  padding: 22px 22px 18px;
}
.form-group-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-deep);
  margin-bottom: 14px;
  padding-left: 4px;
}
.form-group-items {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}
.form-row-sub {
  background: var(--p-white);
}

/* Important Word/PDF note */
.forms-note {
  margin-top: 36px;
  padding: 16px 20px;
  background: color-mix(in srgb, var(--p-sky) 12%, var(--p-cream));
  border-left: 3px solid var(--p-royal);
  border-radius: 8px;
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-soft);
}
.forms-note strong {
  color: var(--ink);
  font-weight: 700;
}

/* -------- Help / CTA section -------- */
.forms-help {
  background: var(--pale-blue);
  padding: clamp(72px, 9vw, 110px) var(--pad);
  text-align: center;
}
.forms-help-inner {
  max-width: 720px;
  margin: 0 auto;
}
.forms-help-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.32em;
  color: var(--accent-deep);
  margin-bottom: 16px;
}
.forms-help-heading {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  font-size: clamp(30px, 3.6vw, 44px);
  color: var(--navy-deep);
  letter-spacing: -0.015em;
  margin-bottom: 18px;
}
.forms-help-heading em {
  font-style: italic;
}
.forms-help-body {
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink-soft);
  margin-bottom: 32px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}
.forms-help-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}
.btn-outline-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--navy-deep);
  font-weight: 600;
  font-size: 13px;
  padding: 14px 24px;
  border-radius: 999px;
  border: 1.5px solid var(--navy-deep);
  transition: all 0.2s;
}
.btn-outline-pill:hover {
  background: var(--navy-deep);
  color: var(--p-white);
}

/* -------- Forms responsive -------- */
@media (max-width: 860px) {
  .forms-grid { grid-template-columns: 1fr; }
  .form-group-items { grid-template-columns: 1fr; }
  .forms-tabs { gap: 24px; }
  .forms-tab { font-size: 16px; }
  .forms-help-actions { flex-direction: column; align-items: stretch; }
}


/* ======================================================
   CLAIMS PAGE STYLES
   ====================================================== */

/* Hero section — cream bg, nav over light bg */
.claims-hero {
  background: var(--cream);
  padding: 24px var(--pad) clamp(72px, 9vw, 110px);
  position: relative;
  overflow: hidden;
}

/* Nav variant for light-bg page */
.claims-nav .nav-pill-light {
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(16, 29, 48, 0.08);
  box-shadow: 0 8px 28px rgba(16, 29, 48, 0.06);
}
.claims-nav .nav-links a {
  color: var(--ink-soft);
}
.claims-nav .nav-links a:hover { background: rgba(16, 29, 48, 0.05); color: var(--ink); }
.claims-nav .nav-links a.active {
  background: rgba(16, 29, 48, 0.08);
  color: var(--ink);
  font-weight: 600;
}
.claims-nav .nav-login {
  color: var(--ink);
  border-color: rgba(16, 29, 48, 0.25);
}
.claims-nav .nav-login:hover {
  background: rgba(16, 29, 48, 0.06);
  border-color: rgba(16, 29, 48, 0.45);
}
.claims-nav .nav-lang {
  background: rgba(16, 29, 48, 0.05);
  border-color: rgba(16, 29, 48, 0.10);
}
.claims-nav .lang-opt {
  color: var(--ink-muted);
}
.claims-nav .lang-opt.active {
  background: rgba(16, 29, 48, 0.10);
  color: var(--ink);
}

.claims-hero-inner {
  max-width: var(--max);
  margin: clamp(48px, 6vw, 80px) auto 0;
  text-align: center;
}

/* Chip + headline */
.claims-chip {
  display: inline-block;
  padding: 6px 14px;
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.10);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 22px;
  letter-spacing: 0.01em;
}
.claims-headline {
  font-family: var(--accent-font);
  font-style: italic;
  font-size: clamp(32px, 4vw, 44px);
  font-weight: 400;
  letter-spacing: -0.01em;
  line-height: 1.1;
  color: var(--ink);
  margin-bottom: 14px;
}
.claims-headline em,
.claims-headline strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
}
.claims-subhead {
  font-size: 17px;
  color: var(--ink-soft);
  margin-bottom: clamp(48px, 6vw, 72px);
}

/* Hero two-column grid */
.claims-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 64px);
  text-align: left;
  align-items: start;
}

/* Left side: photo + example bubble */
.claims-hero-left { position: relative; }
.claims-photo {
  width: 100%;
  aspect-ratio: 4 / 3;
  border-radius: 18px;
  overflow: hidden;
  background: linear-gradient(135deg, color-mix(in srgb, var(--p-cream) 92%, var(--p-navy)) 0%, var(--border-default) 100%);
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.claims-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
.claims-photo-fallback {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  color: rgba(16, 29, 48, 0.35);
  text-align: center;
  padding: 24px;
}
.claims-photo-fallback svg {
  width: 64px;
  height: 64px;
  opacity: 0.5;
}
.claims-photo-fallback p {
  font-size: 14px;
  font-weight: 500;
}
.claims-photo-fallback small {
  font-size: 12px;
  font-weight: 400;
  opacity: 0.75;
}
.claims-photo-fallback code {
  font-family: ui-monospace, SF Mono, Menlo, monospace;
  font-size: 11px;
  background: rgba(16, 29, 48, 0.08);
  padding: 2px 6px;
  border-radius: 4px;
}
.claims-photo:has(img:not([style*="display: none"])) .claims-photo-fallback {
  display: none;
}
.claims-photo-empty .claims-photo-fallback { display: flex; }

.claims-example {
  position: relative;
  margin-top: -32px;
  margin-left: 28px;
  margin-right: 8px;
  background: var(--p-white);
  border-radius: 14px;
  padding: 22px 24px 20px;
  box-shadow: 0 20px 50px rgba(16, 29, 48, 0.10);
  border: 1px solid rgba(16, 29, 48, 0.06);
}
.claims-example-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--accent-deep);
  background: rgba(16, 66, 201, 0.08);
  padding: 3px 8px;
  border-radius: 4px;
  margin-bottom: 10px;
  text-transform: uppercase;
}
.claims-example-text {
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-soft);
  margin-bottom: 12px;
  font-style: italic;
}
.claims-example-text strong { color: var(--ink); font-weight: 700; font-style: normal; }
.claims-example-text em { font-style: italic; font-family: inherit; }
.claims-example-attr {
  font-size: 13px;
  font-weight: 600;
  color: var(--ink);
}
.claims-example-meta {
  font-weight: 400;
  color: var(--ink-muted);
  margin-left: 6px;
}

/* Right side: info heading + checklist */
.claims-info-heading {
  font-family: var(--sans);
  font-size: clamp(22px, 2.2vw, 28px);
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin-bottom: 14px;
}
.claims-info-body {
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.6;
  margin-bottom: 28px;
}
.claims-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.claims-checklist li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--ink);
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.06);
  border-radius: 10px;
  padding: 11px 14px;
}
.claims-check {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--p-royal);
  color: var(--p-white);
  border-radius: 7px;
  font-size: 13px;
  font-weight: 700;
}
.claims-check-icon svg {
  width: 14px;
  height: 14px;
}

/* ============== GOT A CLAIM ISSUE? (5-card layout) ============== */
.claims-issues {
  background: linear-gradient(180deg, var(--cream) 0%, color-mix(in srgb, var(--p-cream) 95%, var(--p-navy)) 100%);
  padding: clamp(80px, 9vw, 120px) var(--pad);
}
.claims-issues-inner {
  max-width: var(--max);
  margin: 0 auto;
  text-align: center;
}
.claims-issues-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 22px;
  background: rgba(16, 66, 201, 0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.claims-issues-icon svg { width: 28px; height: 28px; }
.claims-issues-heading {
  font-family: var(--sans);
  font-size: clamp(28px, 3.4vw, 42px);
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--ink);
  margin-bottom: 8px;
}
.claims-issues-sub {
  font-size: 17px;
  color: var(--ink-soft);
  margin-bottom: clamp(48px, 6vw, 64px);
}

/* 5-card grid: 2x2 on left, navy CTA spanning 2 rows on right */
.claims-issues-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 18px;
  text-align: left;
}
.claims-card {
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.06);
  border-radius: 18px;
  padding: 28px 28px 30px;
  transition: all 0.3s;
}
.claims-card:hover {
  box-shadow: 0 16px 40px rgba(16, 29, 48, 0.08);
  border-color: rgba(16, 66, 201, 0.20);
}
.claims-card-icon {
  width: 42px;
  height: 42px;
  background: rgba(16, 29, 48, 0.04);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink-soft);
  margin-bottom: 26px;
}
.claims-card-icon svg { width: 20px; height: 20px; }
.claims-card h3 {
  font-family: var(--sans);
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 10px;
  letter-spacing: -0.005em;
  line-height: 1.3;
}
.claims-card p {
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-soft);
}

/* Navy CTA card — spans 2 rows on the right */
.claims-card-cta {
  grid-column: 3 / 4;
  grid-row: 1 / 3;
  background:
    radial-gradient(ellipse 80% 60% at 0% 100%, rgba(90, 138, 238,0.10) 0%, transparent 60%),
    linear-gradient(160deg, var(--p-deep) 0%, var(--p-navy) 100%);
  border: 1px solid rgba(255, 255, 255, 0.06);
  color: var(--on-dark);
  padding: 32px 32px 36px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}
.claims-card-cta::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 18px 18px;
  pointer-events: none;
  opacity: 0.7;
}
.claims-card-cta:hover {
  border-color: rgba(90, 138, 238, 0.20);
}
.claims-card-cta-arrow {
  width: 36px;
  height: 36px;
  background: rgba(255, 255, 255, 0.10);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--on-dark);
  margin-bottom: auto;
  position: relative;
  z-index: 1;
}
.claims-card-cta-arrow svg { width: 16px; height: 16px; }
.claims-card-cta h3 {
  color: var(--on-dark);
  font-size: 22px;
  font-weight: 700;
  margin-top: 32px;
  margin-bottom: 14px;
  line-height: 1.2;
  position: relative;
  z-index: 1;
}
.claims-card-cta p {
  color: var(--on-dark-soft);
  font-size: 14.5px;
  margin-bottom: 28px;
  position: relative;
  z-index: 1;
}
.claims-card-cta .btn-blue-pill {
  align-self: flex-start;
  position: relative;
  z-index: 1;
}

/* ============== NEED TO TALK (navy strip) ============== */
.claims-contact {
  background: linear-gradient(180deg, var(--p-deep) 0%, var(--p-navy) 100%);
  padding: clamp(64px, 8vw, 96px) var(--pad);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.claims-contact::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(90, 138, 238,0.10) 0%, transparent 65%);
  pointer-events: none;
}
.claims-contact-inner {
  max-width: 700px;
  margin: 0 auto;
  position: relative;
}
.claims-contact-heading {
  font-family: var(--sans);
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.15;
  color: var(--on-dark);
  margin-bottom: 14px;
}
.claims-contact-body {
  color: var(--on-dark-soft);
  font-size: 17px;
  line-height: 1.55;
  margin-bottom: 32px;
}
.claims-contact-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}
.btn-outline-pill-light {
  color: var(--on-dark);
  border-color: rgba(255, 255, 255, 0.45);
}
.btn-outline-pill-light:hover {
  background: rgba(255, 255, 255, 0.10);
  border-color: var(--on-dark);
  color: var(--on-dark);
}

/* -------- Claims responsive -------- */
@media (max-width: 980px) {
  .claims-hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .claims-issues-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .claims-card-cta {
    grid-column: 1 / 3;
    grid-row: auto;
  }
}
@media (max-width: 620px) {
  .claims-issues-grid { grid-template-columns: 1fr; }
  .claims-card-cta { grid-column: 1 / 2; }
  .claims-contact-actions { flex-direction: column; align-items: stretch; }
}

/* ============================================================
   FAQ PAGE
   ============================================================ */

.faq-hero {
  background: var(--cream);
  padding: 24px var(--pad) clamp(56px, 8vw, 96px);
  position: relative;
  overflow: hidden;
}

/* Light nav variant — same treatment as Claims */
.faq-nav .nav-pill-light {
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(16, 29, 48, 0.08);
  box-shadow: 0 8px 28px rgba(16, 29, 48, 0.06);
}
.faq-nav .nav-links a { color: var(--ink-soft); }
.faq-nav .nav-links a:hover { background: rgba(16, 29, 48, 0.05); color: var(--ink); }
.faq-nav .nav-links a.active {
  background: rgba(16, 29, 48, 0.08);
  color: var(--ink);
  font-weight: 600;
}
.faq-nav .nav-login {
  color: var(--ink);
  border-color: rgba(16, 29, 48, 0.25);
}
.faq-nav .nav-login:hover {
  background: rgba(16, 29, 48, 0.06);
  border-color: rgba(16, 29, 48, 0.45);
}
.faq-nav .nav-lang {
  background: rgba(16, 29, 48, 0.05);
  border-color: rgba(16, 29, 48, 0.10);
}
.faq-nav .lang-opt { color: var(--ink-muted); }
.faq-nav .lang-opt.active {
  background: rgba(16, 29, 48, 0.10);
  color: var(--ink);
}

.faq-hero-inner {
  max-width: 820px;
  margin: clamp(48px, 6vw, 80px) auto 0;
  text-align: center;
}

.faq-chip {
  display: inline-block;
  padding: 6px 14px;
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.10);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 22px;
  letter-spacing: 0.01em;
}
.faq-headline {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(32px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 16px;
}
.faq-headline em,
.faq-headline strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  letter-spacing: -0.005em;
  margin: 0 0.04em;
}
.faq-subhead {
  font-size: 17px;
  color: var(--ink-soft);
  line-height: 1.55;
  max-width: 640px;
  margin: 0 auto;
}

/* ===== Accordion section ===== */
.faq-section {
  background: var(--cream);
  padding: clamp(32px, 5vw, 64px) var(--pad) clamp(80px, 10vw, 120px);
}
.faq-section-inner {
  max-width: 880px;
  margin: 0 auto;
}
.faq-section-eyebrow {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--accent-deep);
  margin-bottom: 20px;
  opacity: 0.85;
}
.faq-section-heading {
  font-family: var(--sans);
  font-size: clamp(24px, 2.5vw, 32px);
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.015em;
  margin-bottom: clamp(32px, 4vw, 48px);
  line-height: 1.2;
}
.faq-section-heading em {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
}

.faq-list {
  display: flex;
  flex-direction: column;
}

.faq-item {
  border-bottom: 1px solid rgba(16, 29, 48, 0.12);
  background: transparent;
}
.faq-item:first-child {
  border-top: 1px solid rgba(16, 29, 48, 0.12);
}

/* Remove default disclosure marker */
.faq-q {
  list-style: none;
  cursor: pointer;
  padding: clamp(20px, 2.5vw, 28px) 4px;
  display: flex;
  align-items: center;
  gap: 20px;
  justify-content: space-between;
  transition: color 160ms ease;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::marker { display: none; content: ''; }

.faq-q-text {
  font-family: var(--sans);
  font-size: clamp(17px, 1.4vw, 19px);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.35;
  flex: 1;
}

.faq-icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 999px;
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.12);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--p-royal);
  transition: transform 280ms cubic-bezier(.4, 0, .2, 1),
              background 200ms ease,
              border-color 200ms ease,
              box-shadow 200ms ease;
}
.faq-icon svg {
  width: 16px;
  height: 16px;
}

.faq-item:hover .faq-q-text { color: var(--p-royal); }
.faq-item:hover .faq-icon {
  border-color: var(--p-royal);
  box-shadow: 0 4px 14px rgba(16, 66, 201, 0.18);
}

.faq-item[open] .faq-icon {
  transform: rotate(45deg);
  background: var(--p-royal);
  border-color: var(--p-royal);
  color: var(--p-white);
}
.faq-item[open] .faq-q-text { color: var(--p-royal); }

/* Answer */
.faq-a {
  padding: 0 4px clamp(20px, 2.5vw, 28px);
  max-width: 720px;
}
.faq-a p {
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-soft);
}
.faq-a p + p { margin-top: 12px; }
.faq-a em {
  font-style: italic;
  color: var(--ink);
}

.faq-bullets {
  margin: 14px 0 0;
  padding-left: 0;
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 24px;
}
.faq-bullets li {
  position: relative;
  padding-left: 22px;
  font-size: 16px;
  color: var(--ink-soft);
  line-height: 1.5;
}
.faq-bullets li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: var(--p-royal);
}

/* Glossary-style list for "What types of coverage" */
.faq-glossary {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.faq-glossary-row {
  padding: 16px 18px;
  background: var(--p-white);
  border: 1px solid rgba(16, 29, 48, 0.08);
  border-radius: 12px;
}
.faq-glossary-row dt {
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 600;
  color: var(--p-royal);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.faq-glossary-row dd {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink-soft);
  margin: 0;
}

/* Smooth open animation */
.faq-item[open] .faq-a {
  animation: faqFadeDown 280ms cubic-bezier(.4, 0, .2, 1);
}
@keyframes faqFadeDown {
  from { opacity: 0; transform: translateY(-4px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ===== Closing CTA (navy) ===== */
.faq-cta {
  background: var(--navy-deep);
  padding: clamp(64px, 8vw, 96px) var(--pad);
  position: relative;
  overflow: hidden;
}
.faq-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 50% 0%, rgba(16, 66, 201, 0.22), transparent 70%);
  pointer-events: none;
}
.faq-cta-inner {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
  position: relative;
}
.faq-cta-heading {
  font-family: var(--sans);
  font-size: clamp(26px, 3vw, 32px);
  font-weight: 500;
  color: var(--on-dark);
  letter-spacing: -0.015em;
  margin-bottom: 14px;
  line-height: 1.2;
}
.faq-cta-body {
  font-size: 17px;
  color: var(--on-dark-soft);
  line-height: 1.55;
  margin-bottom: 28px;
}
.faq-cta-actions {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}
.faq-cta-actions .btn-blue-pill,
.faq-cta-actions .btn-outline-pill {
  white-space: nowrap;
}

/* ===== Responsive ===== */
@media (max-width: 720px) {
  .faq-bullets { grid-template-columns: 1fr; }
  .faq-q-text { font-size: 16px; }
  .faq-icon { width: 32px; height: 32px; }
  .faq-icon svg { width: 14px; height: 14px; }
}

/* ============================================================
   CONTACT PAGE
   ============================================================ */

.contact-hero {
  background: linear-gradient(180deg, var(--pale-blue) 0%, var(--pale-blue-2) 100%);
  padding: 24px var(--pad) clamp(80px, 10vw, 120px);
  position: relative;
  overflow: hidden;
}

/* Light nav variant — match Claims/FAQ */
.contact-nav .nav-pill-light {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border: 1px solid rgba(16, 29, 48, 0.08);
  box-shadow: 0 8px 28px rgba(16, 29, 48, 0.06);
}
.contact-nav .nav-links a { color: var(--ink-soft); }
.contact-nav .nav-links a:hover { background: rgba(16, 29, 48, 0.05); color: var(--ink); }
.contact-nav .nav-links a.active {
  background: rgba(16, 29, 48, 0.08);
  color: var(--ink);
  font-weight: 600;
}
.contact-nav .nav-login {
  color: var(--ink);
  border-color: rgba(16, 29, 48, 0.25);
}
.contact-nav .nav-login:hover {
  background: rgba(16, 29, 48, 0.06);
  border-color: rgba(16, 29, 48, 0.45);
}
.contact-nav .nav-lang {
  background: rgba(16, 29, 48, 0.05);
  border-color: rgba(16, 29, 48, 0.10);
}
.contact-nav .lang-opt { color: var(--ink-muted); }
.contact-nav .lang-opt.active {
  background: rgba(16, 29, 48, 0.10);
  color: var(--ink);
}

/* ===== Hero header ===== */
.contact-hero-inner {
  max-width: var(--max);
  margin: clamp(48px, 6vw, 80px) auto clamp(40px, 5vw, 56px);
  text-align: center;
}
.contact-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.85);
  border: 1px solid rgba(16, 29, 48, 0.10);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 18px;
  letter-spacing: 0.01em;
}
.contact-chip svg { width: 14px; height: 14px; color: var(--ink-soft); }

.contact-headline {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(32px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.contact-headline em,
.contact-headline strong {
  font-family: var(--accent-font);
  font-style: italic;
  font-weight: 700;
  letter-spacing: -0.005em;
  margin: 0 0.04em;
}

/* ===== Grid ===== */
.contact-grid {
  max-width: 1080px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(20px, 2.5vw, 28px);
  align-items: stretch;
}
.contact-col {
  display: flex;
  flex-direction: column;
  gap: clamp(20px, 2.5vw, 28px);
}

/* ===== Card ===== */
.contact-card {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 24px;
  padding: clamp(24px, 3vw, 32px);
  box-shadow:
    0 1px 0 rgba(255, 255, 255, 0.8) inset,
    0 12px 40px rgba(16, 29, 48, 0.06);
}

.contact-card-tall {
  height: 100%;
  display: flex;
  flex-direction: column;
}

.contact-card-head {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 18px;
}
.contact-card-head-centered {
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
  margin-bottom: 28px;
}

.contact-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(16, 29, 48, 0.08);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--ink);
}
.contact-icon svg { width: 22px; height: 22px; }

.contact-card-title {
  font-family: var(--sans);
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.3;
  letter-spacing: -0.01em;
  padding-top: 8px;
}
.contact-card-title-lg {
  font-size: clamp(20px, 2vw, 22px);
  padding-top: 0;
}

/* Definition-list rows: label + value */
.contact-card-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.contact-row {
  display: flex;
  gap: 8px;
  font-size: 15px;
  line-height: 1.5;
}
.contact-row dt {
  font-weight: 600;
  color: var(--ink-soft);
  flex-shrink: 0;
}
.contact-row dd {
  margin: 0;
  color: var(--ink-soft);
}
.contact-row a {
  color: var(--ink-soft);
  text-decoration: none;
  transition: color 160ms ease;
}
.contact-row a:hover { color: var(--p-royal); }

.contact-card-body p {
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-soft);
}
.contact-card-body p + p { margin-top: 6px; }
.contact-card-body strong { color: var(--ink); font-weight: 600; }

/* ===== Tall card (Location & Hours) ===== */
.contact-tall-body {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-block-label {
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 700;
  color: var(--p-royal);
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}
.contact-block-text {
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-soft);
}
.contact-block-text + .contact-block-text { margin-top: 10px; }
.contact-block-text strong {
  color: var(--ink);
  font-weight: 600;
}
.contact-block-text a {
  color: var(--p-royal);
  text-decoration: none;
  transition: opacity 160ms ease;
}
.contact-block-text a:hover { opacity: 0.75; }

.contact-chat-only {
  display: inline-block;
  margin-top: 4px;
  color: var(--p-royal);
  font-weight: 600;
  font-size: 14px;
}

.contact-assist-link {
  display: inline-flex;
  align-self: center;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  padding: 12px 22px;
  background: color-mix(in srgb, var(--p-royal) 8%, transparent);
  border: 1px solid color-mix(in srgb, var(--p-royal) 15%, transparent);
  border-radius: var(--r-pill);
  color: var(--p-royal);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: background var(--dur-base) var(--ease-out),
              color var(--dur-base) var(--ease-out),
              border-color var(--dur-base) var(--ease-out);
}
.contact-assist-link:hover {
  background: var(--p-royal);
  color: var(--p-white);
  border-color: var(--p-royal);
}
.contact-assist-link .arrow {
  font-size: 14px;
  transition: transform 200ms ease;
}
.contact-assist-link:hover .arrow {
  transform: translate(2px, -2px);
}

/* ===== Responsive ===== */
@media (max-width: 880px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .contact-card-head { gap: 14px; }
  .contact-card-title { font-size: 16px; padding-top: 6px; }
}

@media (max-width: 520px) {
  .contact-card { padding: 22px; border-radius: 20px; }
  .contact-icon { width: 40px; height: 40px; }
  .contact-icon svg { width: 20px; height: 20px; }
}

/* ===== Claims: mailto link, "See example" button, photo-guide modal ===== */
.claims-card a.claims-link { color: var(--p-royal); font-weight: 600; text-decoration: underline; }
.claims-see-example {
  margin-top: 16px;
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--sans); font-size: 14px; font-weight: 600;
  color: var(--p-royal); background: transparent;
  border: 1.5px solid color-mix(in srgb, var(--p-royal) 38%, transparent);
  padding: 8px 18px; border-radius: 999px; cursor: pointer;
  transition: background .15s ease, color .15s ease, border-color .15s ease;
}
.claims-see-example:hover { background: var(--p-royal); color: #fff; border-color: var(--p-royal); }
.claims-see-example::after { content: "↗"; font-size: 13px; }

.pg-modal { position: fixed; inset: 0; z-index: 1000; display: none; }
.pg-modal.is-open { display: block; }
.pg-modal-overlay { position: absolute; inset: 0; background: rgba(16,29,48,.62); backdrop-filter: blur(2px); }
.pg-modal-box {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: min(960px, 94vw); height: min(86vh, 900px);
  background: var(--p-cream); border-radius: 18px; overflow: hidden;
  box-shadow: 0 30px 70px rgba(8,16,30,.5);
}
.pg-modal-frame { width: 100%; height: 100%; border: 0; display: block; }
.pg-modal-close {
  position: absolute; top: 10px; right: 10px; z-index: 2;
  width: 38px; height: 38px; border-radius: 50%; border: 0; cursor: pointer;
  background: var(--p-navy); color: #fff; font-size: 15px; line-height: 1;
  box-shadow: 0 2px 8px rgba(0,0,0,.3);
}
.pg-modal-close:hover { background: var(--p-royal); }