:root {
  box-sizing: border-box;
  padding-top: env(safe-area-inset-top, 0px);
  padding-bottom: env(safe-area-inset-bottom, 0px);

  /* Palette — deep ink navy with the signature blue accent */
  --ink: #070C16;
  --navy: #0C1424;
  --navy-2: #111B30;
  --gold: #2E6FF2;
  --gold-light: #6FA6FF;
  --gold-soft: rgba(46,111,242,0.12);
  --cream: #F5F1E8;

  --bg-hero: var(--navy);
  --bg-content: var(--ink);
  --text-hero: var(--cream);
  --text-content: #E9ECF1;
  --text-muted: #939DAE;
  --text-faint: #6B7586;
  --card-bg: linear-gradient(180deg, rgba(255,255,255,0.035), rgba(255,255,255,0.012));
  --card-solid: #0E1729;
  --card-border: rgba(255,255,255,0.08);
  --card-border-hover: rgba(111,166,255,0.45);
  --hairline: rgba(255,255,255,0.07);

  --font-display: 'Geist', 'Inter', system-ui, sans-serif;
  --font-mono: 'Geist Mono', ui-monospace, monospace;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;

  --radius: 18px;
  --radius-sm: 12px;
  --shadow-soft: 0 1px 0 rgba(255,255,255,0.04) inset, 0 24px 48px -28px rgba(0,0,0,0.75);
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
  color-scheme: dark;
}

/* SCROLLBAR — the page's native bar is hidden and replaced by a glowing
   blue thumb (site.js) that fades in only while scrolling. A custom element
   is used because iOS Safari ignores scrollbar styling entirely. */
html { scrollbar-width: none; }
html::-webkit-scrollbar { display: none; }
::-webkit-scrollbar { width: 10px; height: 10px; }
::-webkit-scrollbar-track { background: var(--ink); }
::-webkit-scrollbar-thumb {
  background: linear-gradient(180deg, var(--gold-light), var(--gold));
  border-radius: 999px;
  border: 2px solid var(--ink);
}
.scroll-thumb {
  position: fixed;
  top: 0;
  right: 0;
  z-index: 100;
  width: 14px;
  padding: 0 3px;
  opacity: 0;
  pointer-events: none;
  touch-action: none;
  transition: opacity 0.35s ease;
  will-change: transform, opacity;
}
.scroll-thumb::before {
  content: '';
  display: block;
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(180deg, var(--gold-light), var(--gold));
  box-shadow: 0 0 8px rgba(46,111,242,0.8), 0 0 2px rgba(111,166,255,0.9) inset;
}
.scroll-thumb.is-active { opacity: 1; transition-duration: 0.12s; }
@media (pointer: fine) {
  .scroll-thumb.is-active { pointer-events: auto; cursor: grab; }
  .scroll-thumb.is-dragging { cursor: grabbing; }
  .scroll-thumb:hover::before, .scroll-thumb.is-dragging::before {
    background: linear-gradient(180deg, #8FBAFF, var(--gold-light));
  }
}
@media (pointer: coarse) {
  .scroll-thumb { width: 9px; padding: 0 2px; }
}
html { scroll-padding-top: calc(80px + env(safe-area-inset-top, 0px)); scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

* { box-sizing: border-box; }
body {
  margin: 0;
  background: var(--bg-content);
  color: var(--text-content);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
::selection { background: rgba(46,111,242,0.45); color: #fff; }
a { color: inherit; }
img { max-width: 100%; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 28px; }
@media (max-width: 560px) { .wrap { padding: 0 20px; } }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-weight: 500;
  margin-bottom: 18px;
}
.eyebrow::before,
.eyebrow::after {
  content: "";
  width: 28px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}
.eyebrow::after { background: linear-gradient(90deg, var(--gold), transparent); }

/* HERO */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(60% 50% at 50% 38%, rgba(46,111,242,0.10), transparent 70%),
    radial-gradient(80% 60% at 50% 0%, #15213A 0%, transparent 70%),
    linear-gradient(180deg, var(--ink), var(--navy) 70%);
  color: var(--text-hero);
  padding: calc(96px + env(safe-area-inset-top, 0px)) 24px 96px;
  text-align: center;
  /* Fill the screen and center the content so the next section starts below the fold */
  min-height: 100vh;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 200px;
  z-index: 1;
  pointer-events: none;
  background: linear-gradient(180deg, rgba(7,12,22,0) 0%, rgba(7,12,22,0.7) 55%, var(--bg-content) 100%);
}
.hero .wrap { position: relative; z-index: 2; width: 100%; max-width: 760px; }
.hero-tickers {
  position: absolute;
  /* Stop short of the bottom so the rows sit higher in the hero */
  inset: 0 0 20% 0;
  z-index: 0;
  display: flex;
  flex-direction: column;
  justify-content: space-evenly;
  overflow: hidden;
  pointer-events: none;
}
.hero-tickers::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    radial-gradient(55% 45% at 50% 50%, rgba(12,20,36,0.92), rgba(12,20,36,0.35) 100%),
    linear-gradient(180deg, var(--ink) 0%, rgba(7,12,22,0.4) 35%, rgba(7,12,22,0.4) 65%, var(--navy) 100%);
}
.avatar {
  position: relative;
  width: 116px; height: 116px;
  margin: 0 auto 28px;
  border-radius: 50%;
  padding: 3px;
  background: linear-gradient(140deg, var(--gold-light), rgba(46,111,242,0.15) 55%, var(--gold));
  box-shadow: 0 20px 44px -16px rgba(0,0,0,0.8);
}
.avatar img {
  width: 100%; height: 100%;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  border: 3px solid var(--navy);
}
.hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(44px, 8vw, 72px);
  line-height: 1.02;
  margin: 0 0 18px;
  letter-spacing: -0.045em;
}
.hero .role {
  color: var(--gold-light);
  font-size: 12.5px;
  text-transform: uppercase;
  letter-spacing: 0.26em;
  font-weight: 500;
  margin: 0 0 8px;
}
.hero .npn {
  color: rgba(245,241,232,0.45);
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.08em;
  margin: 0;
  font-variant-numeric: tabular-nums;
}

.cta-row {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-top: 40px;
}
.cta-note {
  margin: 0;
  font-size: 11px;
  line-height: 1.4;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  opacity: 0.85;
}
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14.5px;
  letter-spacing: 0.02em;
  text-decoration: none;
  border: 1px solid transparent;
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), background-color 0.3s ease, border-color 0.3s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.btn-primary {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: #FFFFFF;
  text-shadow: 0 1px 1px rgba(14,23,32,0.15);
  box-shadow: 0 1px 0 rgba(255,255,255,0.25) inset, 0 14px 30px -12px rgba(46,111,242,0.55);
}
.btn-primary:hover { box-shadow: 0 1px 0 rgba(255,255,255,0.25) inset, 0 20px 40px -14px rgba(46,111,242,0.7); }
@keyframes cta-bounce {
  0%, 60%, 100% { transform: translateY(0); }
  70% { transform: translateY(-9px); }
  80% { transform: translateY(-4px); }
  90% { transform: translateY(-2px); }
}
@keyframes blue-glow {
  0%, 60%, 100% { box-shadow: 0 0 6px 1px rgba(46,111,242,0.25), 0 0 12px 3px rgba(111,166,255,0.12); }
  70% { box-shadow: 0 0 14px 4px rgba(46,111,242,0.45), 0 0 22px 7px rgba(111,166,255,0.25); }
  80% { box-shadow: 0 0 10px 3px rgba(46,111,242,0.35), 0 0 16px 5px rgba(111,166,255,0.2); }
  90% { box-shadow: 0 0 8px 2px rgba(46,111,242,0.3), 0 0 14px 4px rgba(111,166,255,0.15); }
}
.btn-bounce {
  animation: cta-bounce 3.4s ease-in-out infinite, blue-glow 3.4s ease-in-out infinite;
}
.btn-bounce:hover { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) {
  .btn-bounce { animation: none; box-shadow: 0 0 6px 1px rgba(46,111,242,0.25); }
}

/* SECTIONS */
main.wrap { padding-bottom: 40px; }
.section-head {
  padding-top: 128px;
  scroll-margin-top: 16px;
  text-align: center;
}
.section-head h2,
.intro h2,
.story h2 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.08;
  color: #fff;
}
.section-head h2 {
  font-size: clamp(32px, 5vw, 48px);
  margin: 0 0 16px;
}
.section-head p {
  color: var(--text-muted);
  font-size: 17px;
  max-width: 48ch;
  margin: 0 auto;
  line-height: 1.6;
}

.grid {
  counter-reset: card;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 48px;
}
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 960px) {
  .grid-4, .grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .grid, .grid-4, .grid-3 { grid-template-columns: 1fr; }
}
.card {
  position: relative;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  padding: 28px 26px 30px;
  box-shadow: var(--shadow-soft);
  transition: transform 0.4s var(--ease), border-color 0.4s ease, background-color 0.4s ease;
}
.card::before {
  counter-increment: card;
  content: counter(card, decimal-leading-zero);
  display: block;
  font-family: var(--font-mono);
  font-size: 12.5px;
  letter-spacing: 0.08em;
  color: var(--gold-light);
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--hairline);
}
.card:hover { transform: translateY(-4px); border-color: var(--card-border-hover); }
.card h3 {
  font-size: 17px;
  margin: 0 0 10px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: #fff;
}
.card p {
  font-size: 14.5px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.65;
}

/* PROTECT INTRO — first section below the header */
.intro {
  padding-top: 112px;
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}
.intro h2 {
  font-size: clamp(38px, 6.5vw, 60px);
  margin: 0 0 22px;
}
.intro h2 em, .section-head h2 em, .story h2 em { font-style: normal; color: var(--gold-light); }
.intro .tagline {
  color: var(--text-content);
  font-size: 20px;
  font-weight: 400;
  line-height: 1.5;
  max-width: 38ch;
  margin: 0 auto 18px;
}
.intro .lede {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.75;
  max-width: 56ch;
  margin: 0 auto 36px;
}

.prose {
  max-width: 60ch;
  margin: 28px auto 0;
  text-align: center;
}
.prose p {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.75;
  margin: 0 0 14px;
}
.prose p strong { color: var(--text-content); font-weight: 600; }

/* FAMILY PLANNING */
.story {
  position: relative;
  overflow: hidden;
  margin-top: 128px;
  padding: 80px 32px;
  background:
    radial-gradient(70% 90% at 50% 0%, rgba(46,111,242,0.12), transparent 70%),
    linear-gradient(180deg, #101A2F, var(--card-solid));
  border: 1px solid var(--card-border);
  border-radius: 28px;
  box-shadow: var(--shadow-soft);
  text-align: center;
  scroll-margin-top: 96px;
}
.story::before {
  content: "";
  position: absolute;
  top: 0; left: 50%;
  translate: -50% 0;
  width: 160px; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.story h2 {
  font-size: clamp(32px, 5vw, 46px);
  margin: 0 auto 22px;
  max-width: 20ch;
}
.story p {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.75;
  margin: 0 auto 14px;
  max-width: 56ch;
}
.bio {
  padding-top: 112px;
  max-width: 1000px;
  margin: 0 auto;
  scroll-margin-top: 16px;
}
.bio-head { text-align: center; max-width: 760px; margin: 0 auto; }
.bio h2 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.08;
  color: #fff;
  font-size: clamp(34px, 5.5vw, 52px);
  margin: 0 0 28px;
}
.bio h2 em { font-style: normal; color: var(--gold-light); }
.bio-quote {
  position: relative;
  margin: 0 auto;
  max-width: 30ch;
  padding-top: 34px;
  font-family: var(--font-display);
  font-size: clamp(22px, 3.2vw, 30px);
  font-weight: 500;
  line-height: 1.3;
  letter-spacing: -0.02em;
  color: var(--text-content);
}
.bio-quote::before {
  content: "\201C";
  position: absolute;
  top: -18px; left: 50%;
  translate: -50% 0;
  font-size: 84px;
  line-height: 1;
  color: var(--gold);
  opacity: 0.55;
}
.bio-quote em { font-style: normal; color: var(--gold-light); }

.bio-stats {
  list-style: none;
  padding: 0;
  margin: 56px 0 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.bio-stats li {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  padding: 26px 12px;
  text-align: center;
}
.bio-stats li + li { border-left: 1px solid var(--hairline); }
.bio-stats strong {
  font-family: var(--font-display);
  font-size: clamp(26px, 3.6vw, 34px);
  font-weight: 600;
  letter-spacing: -0.03em;
  color: #fff;
  line-height: 1;
}
.bio-stats span {
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.bio-story {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 56px;
}
.bio-chapter {
  position: relative;
  padding: 30px 26px 28px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  transition: border-color 0.3s ease, transform 0.3s var(--ease);
}
.bio-chapter:hover { border-color: var(--card-border-hover); transform: translateY(-3px); }
.bio-chapter::before {
  content: "";
  position: absolute;
  top: 0; left: 26px;
  width: 48px; height: 2px;
  background: linear-gradient(90deg, var(--gold-light), transparent);
}
.bio-num {
  display: block;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.1em;
  color: var(--gold-light);
  margin-bottom: 14px;
}
.bio-chapter h3 {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  letter-spacing: -0.02em;
  color: #fff;
  margin: 0 0 12px;
}
.bio-chapter p {
  color: var(--text-muted);
  font-size: 15px;
  line-height: 1.7;
  margin: 0;
}

.bio-promise {
  max-width: 1000px;
  margin: 112px auto 0;
  padding: 56px 32px;
  text-align: center;
  background: radial-gradient(80% 120% at 50% 0%, rgba(46,111,242,0.14), transparent 70%), var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
}
.bio-promise h2 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.1;
  color: #fff;
  font-size: clamp(28px, 4.2vw, 40px);
  margin: 0 0 24px;
}
.bio-promise h2 em { font-style: normal; color: var(--gold-light); }

/* HOME SERVICES — one card per insurance page */
.home-services { max-width: 1000px; margin: 0 auto; }
.home-services .section-head { padding-top: 112px; margin-bottom: 36px; }
.home-services .section-head h2 { margin-bottom: 0; }
.home-services-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.home-service:last-child:nth-child(odd) { grid-column: 1 / -1; }
.home-service {
  display: flex;
  flex-direction: column;
  padding: 30px 28px 26px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  color: inherit;
  text-decoration: none;
  transition: border-color 0.3s ease, transform 0.3s var(--ease);
}
.home-service:hover { border-color: var(--card-border-hover); transform: translateY(-3px); }
.home-service:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.home-service-tag {
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
}
.home-service h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.02em;
  color: #fff;
  margin: 12px 0 10px;
}
.home-service p { color: var(--text-muted); font-size: 15px; line-height: 1.65; margin: 0 0 22px; }
.home-service-more {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-content);
}
.home-service-more svg { width: 16px; height: 16px; transition: transform 0.3s var(--ease); }
.home-service:hover .home-service-more { color: var(--gold-light); }
.home-service:hover .home-service-more svg { transform: translateX(4px); }
.home-services .section-head p { margin-top: 0; }
.home-choose-note { margin: 28px 0 0; text-align: center; font-size: 15.5px; color: var(--text-muted); }
.home-choose-note a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
.home-services { scroll-margin-top: 72px; }
.home-services + .bio { padding-top: 120px; }
.bio-story-4 { grid-template-columns: repeat(2, 1fr); }
.bio-actions-after { margin-top: 36px; }
.home-steps { max-width: 1000px; margin-top: 112px; }
.bio-promise-sub { margin: -8px auto 28px; max-width: 40ch; font-size: 17px; line-height: 1.6; color: var(--text-muted); }
.bio-promise .ad-cta-note { margin-top: 18px; }
@media (max-width: 760px) {
  .home-services-grid { grid-template-columns: 1fr; }
  .bio-promise { padding: 44px 22px; }
}
.bio-checks {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
}
.bio-checks li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--text-content);
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(46,111,242,0.28);
  border-radius: 999px;
  padding: 8px 16px;
}
.bio-checks li::before {
  content: "\2713";
  color: var(--gold-light);
  font-weight: 700;
}
.bio-sign {
  font-family: var(--font-display);
  font-size: 22px;
  font-style: italic;
  color: var(--text-content);
  margin: 0 0 24px;
}
.bio-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }

@media (max-width: 860px) {
  .bio-story { grid-template-columns: 1fr; }
  .bio-stats { grid-template-columns: repeat(2, 1fr); }
  .bio-stats li:nth-child(3) { border-left: 0; }
  .bio-stats li:nth-child(n+3) { border-top: 1px solid var(--hairline); }
}
.story p.lead {
  font-family: var(--font-display);
  color: var(--gold-light);
  font-weight: 500;
  font-size: 20px;
  letter-spacing: -0.01em;
}
.goals {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin: 32px 0 40px;
  padding: 0;
  list-style: none;
}
.goals li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--text-content);
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(46,111,242,0.28);
  border-radius: 999px;
  padding: 8px 16px;
}
.goals li::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--gold);
}

/* QUOTE LEAD FORM */
[hidden] { display: none !important; }
button.btn { font-family: inherit; cursor: pointer; }
.quote-panel {
  margin: 8px auto 0;
  max-width: 680px;
  padding: 40px 36px;
  background: var(--card-solid);
  border: 1px solid var(--card-border);
  border-radius: 24px;
  box-shadow: var(--shadow-soft);
  text-align: left;
  position: relative;
  overflow: hidden;
}
.quote-panel::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
@media (max-width: 560px) { .quote-panel { padding: 32px 20px; } }
.quote-panel h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 28px;
  letter-spacing: -0.03em;
  margin: 0 0 8px;
  text-align: center;
  color: #fff;
}
.quote-sub, .quote-thanks p {
  color: var(--text-muted);
  font-size: 15px;
  line-height: 1.6;
  margin: 0 auto 32px;
  max-width: 44ch;
  text-align: center;
}
.quote-thanks p { margin-bottom: 0; }
.quote-thanks:focus { outline: none; }
.hp-field { display: none; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (max-width: 480px) {
  .field-row { grid-template-columns: 1fr; gap: 0; }
}
.field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 0 0 18px;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 13px 14px;
  font: inherit;
  font-weight: 400;
  font-size: 15px;
  text-transform: none;
  letter-spacing: normal;
  color: var(--text-content);
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  appearance: none;
  -webkit-appearance: none;
  transition: border-color 0.2s ease, background-color 0.2s ease, box-shadow 0.2s ease;
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: rgba(255,255,255,0.18); }
.field select option { background: var(--card-solid); color: var(--text-content); }
.field select {
  background-image: linear-gradient(45deg, transparent 50%, var(--text-muted) 50%), linear-gradient(135deg, var(--text-muted) 50%, transparent 50%);
  background-position: calc(100% - 20px) 50%, calc(100% - 15px) 50%;
  background-size: 5px 5px;
  background-repeat: no-repeat;
  padding-right: 36px;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background-color: rgba(46,111,242,0.05);
  box-shadow: 0 0 0 4px rgba(46,111,242,0.15);
}
.field-radio {
  border: 0;
  padding: 0;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 10px 12px;
}
.field-radio legend { padding: 0; margin-bottom: 10px; width: 100%; }
.field-radio label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 11px 20px;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 999px;
  font-weight: 500;
  font-size: 15px;
  text-transform: none;
  letter-spacing: normal;
  color: var(--text-content);
  cursor: pointer;
  transition: border-color 0.2s ease, background-color 0.2s ease;
}
.field-radio label:hover { border-color: rgba(255,255,255,0.2); }
.field-radio label:has(input:checked) { border-color: var(--gold); background: rgba(46,111,242,0.08); }
.field-radio input { accent-color: var(--gold); width: 16px; height: 16px; margin: 0; }
.field textarea { resize: vertical; min-height: 104px; line-height: 1.5; }
.quote-panel > form > .eyebrow { display: flex; justify-content: center; margin-bottom: 12px; }
.quote-submit { width: 100%; justify-content: center; margin-top: 10px; }
.quote-submit[disabled] { opacity: 0.7; cursor: wait; transform: none; }
.quote-error { color: #F08A7E; font-size: 13.5px; margin: 14px 0 0; text-align: center; }

footer {
  max-width: 1120px;
  margin: 64px auto 0;
  padding: 36px 28px calc(40px + env(safe-area-inset-bottom, 0px));
  border-top: 1px solid var(--hairline);
  text-align: center;
  color: var(--text-faint);
  font-size: 12.5px;
  letter-spacing: 0.04em;
}
.site-footer p { margin: 0 auto 10px; max-width: 90ch; }
.site-footer .footer-name { color: var(--text-muted); font-weight: 600; font-size: 13px; }
.site-footer .footer-disclaimer {
  margin-top: 14px;
  font-size: 11px;
  line-height: 1.6;
  letter-spacing: 0.01em;
}
.site-footer .footer-copy { margin-top: 14px; }
.site-footer .footer-nav {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
  max-width: 760px;
  margin: 30px auto 26px;
  padding: 26px 0;
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}
.site-footer .footer-col ul { list-style: none; margin: 0; padding: 0; }
.site-footer .footer-col li { margin: 0 0 9px; }
.site-footer .footer-col li:last-child { margin-bottom: 0; }
.site-footer .footer-heading {
  margin: 0 0 14px;
  color: var(--gold);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.site-footer .footer-col a { color: var(--text-muted); font-size: 13px; letter-spacing: 0.02em; text-decoration: none; transition: color 0.25s ease; }
.site-footer .footer-col a:hover { color: var(--gold-light); text-decoration: underline; }
.site-footer .footer-col a[aria-current="page"] { color: var(--gold-light); }
.site-footer .footer-col a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; border-radius: 2px; }
@media (max-width: 600px) {
  .site-footer .footer-nav { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 26px 18px; }
  .site-footer .footer-col:nth-child(2) { grid-column: 1 / -1; order: -1; }
}
.site-footer .footer-social { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px; margin: 22px auto 8px; }
.site-footer .footer-social a {
  display: flex; align-items: center; justify-content: center;
  width: 44px; height: 44px;
  border: 1px solid var(--card-border);
  border-radius: 50%;
  background: var(--card-bg);
  color: var(--gold);
  transition: transform 0.35s var(--ease), border-color 0.35s ease, color 0.35s ease;
}
.site-footer .footer-social a:hover { transform: translateY(-3px); border-color: var(--card-border-hover); color: var(--gold-light); }
.site-footer .footer-social a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.site-footer .footer-social .ic { width: 18px; height: 18px; }

/* SCROLL REVEAL — uses `translate` so hover `transform` lifts still work */
.reveal-ready .reveal {
  opacity: 0;
  translate: 0 32px;
  transition:
    opacity 0.9s ease var(--reveal-delay, 0s),
    translate 0.9s var(--ease) var(--reveal-delay, 0s),
    transform 0.4s var(--ease),
    border-color 0.4s ease;
}
.reveal-ready .reveal.is-visible {
  opacity: 1;
  translate: 0 0;
}

/* CARRIER TICKER — background rows inside the hero */
.ticker-row {
  display: flex;
  align-items: center;
  width: max-content;
  flex: 0 0 auto;
}
.ticker-half {
  display: flex;
  align-items: center;
  flex: 0 0 auto;
}
.ticker-row.dir-left { animation: ticker-left linear infinite; }
.ticker-set {
  display: flex;
  align-items: center;
  flex: 0 0 auto;
}
.ticker-row img {
  height: 40px;
  width: auto;
  margin: 0 48px;
  flex: 0 0 auto;
  opacity: 0.22;
  filter: grayscale(1) brightness(3);
}
@keyframes ticker-left {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .ticker-row { animation: none; }
}
/* NAV — a transparent horizontal bar pinned across the top of the page */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 50;
  padding-top: env(safe-area-inset-top, 0px);
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background-color 0.4s ease, border-color 0.4s ease;
}
.site-nav.is-scrolled {
  background: rgba(7,12,22,0.72);
  -webkit-backdrop-filter: saturate(140%) blur(16px);
  backdrop-filter: saturate(140%) blur(16px);
  border-bottom-color: var(--hairline);
}
.nav-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 28px;
}
.nav-brand {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 19px;
  letter-spacing: -0.03em;
  color: var(--cream);
  text-decoration: none;
}
.nav-links {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links > li { position: relative; }
.nav-links a,
.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 16px;
  border: 0;
  border-radius: 999px;
  background: none;
  color: rgba(245,241,232,0.78);
  font: 500 14px/1.2 var(--font-body);
  letter-spacing: 0.01em;
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  transition: background-color 0.25s ease, color 0.25s ease;
}
.nav-links a:hover,
.nav-dropdown-toggle:hover,
.nav-dropdown.is-open > .nav-dropdown-toggle { background: rgba(255,255,255,0.06); color: #fff; }
.nav-links a.nav-cta {
  margin-left: 8px;
  color: var(--gold-light);
  border: 1px solid rgba(46,111,242,0.4);
}
.nav-links a.nav-cta:hover { background: var(--gold); border-color: var(--gold); color: #FFFFFF; }
.nav-links a:focus-visible,
.nav-dropdown-toggle:focus-visible,
.nav-brand:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.nav-dropdown-toggle svg { width: 14px; height: 14px; transition: transform 0.25s ease; }
.nav-dropdown.is-open .nav-dropdown-toggle svg { transform: rotate(180deg); }
.nav-submenu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  min-width: 240px;
  margin: 0;
  padding: 8px;
  list-style: none;
  background: rgba(14,23,41,0.96);
  -webkit-backdrop-filter: blur(16px);
  backdrop-filter: blur(16px);
  border: 1px solid var(--card-border);
  border-radius: 14px;
  box-shadow: 0 24px 48px -16px rgba(0,0,0,0.7);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, -6px);
  transition: opacity 0.25s ease, transform 0.25s var(--ease), visibility 0.25s;
}
/* Invisible bridge so the menu stays open while the pointer crosses the gap */
.nav-submenu::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.nav-dropdown.is-open .nav-submenu { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.nav-submenu a { display: block; border-radius: 9px; padding: 11px 14px; font-size: 14px; }
@media (max-width: 720px) {
  .nav-links > li.nav-cta-item { display: none; }
}
@media (max-width: 560px) {
  .nav-inner { padding: 10px 8px; justify-content: center; }
  .nav-brand { display: none; }
  .nav-links { width: 100%; gap: 2px; justify-content: space-around; }
  .nav-links a,
  .nav-dropdown-toggle { padding: 8px 10px; font-size: 14px; }
  .nav-submenu { min-width: 210px; }
}
@media (max-width: 400px) {
  .nav-links a,
  .nav-dropdown-toggle { padding: 8px 7px; font-size: 13px; gap: 4px; }
}
@media (max-width: 560px) {
  .hero { padding-top: calc(88px + env(safe-area-inset-top, 0px)); }
  .section-head, .intro { padding-top: 96px; }
  .story { margin-top: 96px; padding: 56px 22px; border-radius: 22px; }
}
@media (prefers-reduced-motion: reduce) {
  .site-nav, .nav-submenu, .nav-dropdown-toggle svg { transition: none; }
}

/* SERVICE PAGES — shorter hero plus long-form explainer content */
.nav-links > li > a[aria-current="page"] { color: #fff; background: rgba(255,255,255,0.06); }
.nav-submenu a[aria-current="page"] { color: var(--gold-light); background: rgba(46,111,242,0.08); }
.service-hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(60% 70% at 50% 30%, rgba(46,111,242,0.12), transparent 70%),
    linear-gradient(180deg, var(--ink), var(--navy));
  color: var(--text-hero);
  padding: calc(152px + env(safe-area-inset-top, 0px)) 24px 88px;
  text-align: center;
  border-bottom: 1px solid var(--hairline);
}
.service-hero .wrap { max-width: 780px; }
.service-hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(40px, 7vw, 64px);
  line-height: 1.04;
  letter-spacing: -0.045em;
  margin: 0 0 20px;
  color: #fff;
}
.service-hero h1 em { font-style: normal; color: var(--gold-light); }
.service-hero .service-slogan {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(22px, 3.2vw, 30px);
  line-height: 1.2;
  letter-spacing: -0.03em;
  color: #fff;
  margin: -6px 0 18px;
}
.service-hero .service-slogan em { font-style: normal; color: var(--gold-light); }
.service-hero .tagline {
  color: var(--text-muted);
  font-size: 18px;
  line-height: 1.65;
  max-width: 54ch;
  margin: 0 auto;
}
.service-hero .cta-row { margin-top: 36px; }

.service-body { max-width: 760px; margin: 0 auto; padding-top: 96px; }
.service-body h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(26px, 4vw, 34px);
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: #fff;
  margin: 0 0 16px;
}
.service-body p, .service-body li {
  color: var(--text-muted);
  font-size: 16.5px;
  line-height: 1.8;
}
.service-body p { margin: 0 0 16px; }
.service-body strong { color: var(--text-content); font-weight: 600; }
.service-block + .service-block { margin-top: 72px; }
.checklist { list-style: none; margin: 20px 0 0; padding: 0; display: grid; gap: 12px; }
.checklist li {
  position: relative;
  padding: 14px 18px 14px 46px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  font-size: 15.5px;
  line-height: 1.6;
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 18px; top: 22px;
  width: 10px; height: 6px;
  border-left: 2px solid var(--gold-light);
  border-bottom: 2px solid var(--gold-light);
  transform: rotate(-45deg);
}
.service-body .grid { margin-top: 28px; }
.service-body .grid-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 760px) { .service-body .grid-3 { grid-template-columns: 1fr; } }

/* Numbered process steps (Work With Me page) */
.steps { list-style: none; margin: 24px 0 0; padding: 0; display: grid; gap: 12px; counter-reset: step; }
.steps li {
  position: relative;
  counter-increment: step;
  padding: 20px 22px 20px 72px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
}
.steps li::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  left: 22px; top: 20px;
  font-family: var(--font-mono);
  font-size: 15px;
  color: var(--gold-light);
}
.steps h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  letter-spacing: -0.02em;
  color: #fff;
  margin: 0 0 4px;
}
.steps p { margin: 0; font-size: 15.5px; line-height: 1.65; }

.faq { margin-top: 24px; display: grid; gap: 10px; }
.faq details {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  transition: border-color 0.3s ease;
}
.faq details[open] { border-color: rgba(46,111,242,0.35); }
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 52px 18px 20px;
  position: relative;
  font-weight: 600;
  font-size: 15.5px;
  color: var(--text-content);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 20px; top: 50%;
  translate: 0 -50%;
  font-family: var(--font-mono);
  font-size: 18px;
  color: var(--gold-light);
}
.faq details[open] summary::after { content: "−"; }
.faq summary:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; border-radius: var(--radius-sm); }
.faq details p { margin: 0; padding: 0 20px 20px; font-size: 15px; }

.service-cta { margin-top: 96px; }
.service-cta-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.service-cta .service-cta-alt { margin-top: 16px; font-size: 14.5px; }
.service-cta-alt a,
.faq details p a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
.btn-ghost { background: transparent; color: var(--text-content); border-color: rgba(255,255,255,0.18); }
.btn-ghost:hover { border-color: var(--gold-light); color: #fff; }
.cta-note a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }

/* SERVICE QUOTE FORMS — revealed from the hero / bottom CTA buttons */
.service-quote { padding-top: 64px; scroll-margin-top: 72px; }
.service-quote:has(.quote-panel[hidden]) { display: none; }
.q-count {
  margin: 0 0 14px;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-light);
  text-align: center;
}
.q-question legend, .q-heading {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.02em;
  text-transform: none;
  color: #fff;
  text-align: center;
  margin: 0 0 20px;
}
.q-question { justify-content: center; }
.q-nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 12px; }
.q-nav .quote-submit { width: auto; margin-top: 0; }
.q-back {
  background: none; border: 0; padding: 8px 4px;
  font: inherit; font-size: 14px; color: var(--text-muted); cursor: pointer;
}
.q-back:hover { color: #fff; }
.service-disclaimer {
  max-width: 760px;
  margin: 48px auto 0;
  color: var(--text-faint);
  font-size: 12.5px;
  line-height: 1.7;
  text-align: center;
}
.other-services { margin-top: 72px; text-align: center; }
.other-services .eyebrow { margin-bottom: 14px; }
.other-services ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.other-services a {
  display: inline-block;
  padding: 10px 18px;
  border: 1px solid var(--card-border);
  border-radius: 999px;
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-content);
  transition: border-color 0.25s ease, color 0.25s ease;
}
.other-services a:hover { border-color: var(--card-border-hover); color: #fff; }
.other-services a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
@media (max-width: 560px) {
  .service-hero { padding: calc(120px + env(safe-area-inset-top, 0px)) 20px 64px; }
  .service-body { padding-top: 72px; }
  .service-cta { margin-top: 72px; }
}

/* Licenses page — the map leads, NPN and steps sit around it */
.lic-hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(55% 60% at 50% 62%, rgba(46,111,242,0.16), transparent 70%),
    linear-gradient(180deg, var(--ink), var(--navy));
  padding: calc(108px + env(safe-area-inset-top, 0px)) 0 64px;
  border-bottom: 1px solid var(--hairline);
}
.lic-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(70% 70% at 50% 45%, #000, transparent 80%);
  -webkit-mask-image: radial-gradient(70% 70% at 50% 45%, #000, transparent 80%);
  pointer-events: none;
}
.lic-hero .wrap { position: relative; }
.lic-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  margin-bottom: 24px;
}
.lic-intro .eyebrow { margin-bottom: 14px; }
.lic-intro .eyebrow::before { display: none; }
.lic-intro h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(36px, 5.4vw, 56px);
  line-height: 1.04;
  letter-spacing: -0.045em;
  margin: 0 0 14px;
  color: #fff;
}
.lic-intro h1 em { font-style: normal; color: var(--gold-light); }
.lic-intro .tagline {
  margin: 0;
  max-width: 48ch;
  color: var(--text-muted);
  font-size: 17px;
  line-height: 1.6;
}
.lic-npn {
  flex: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 16px 18px 14px 22px;
  border: 1px solid var(--card-border-hover);
  border-radius: var(--radius);
  background: linear-gradient(180deg, rgba(46,111,242,0.16), rgba(46,111,242,0.06));
  box-shadow: var(--shadow-soft);
}
.npn-label { font-size: 11.5px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-muted); }
.npn-value { font-family: var(--font-mono); font-size: 26px; font-weight: 500; letter-spacing: 0.06em; color: #fff; }
.lic-npn-row { display: flex; align-items: center; gap: 14px; }
.lic-copy {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  border: 1px solid var(--card-border);
  border-radius: 999px;
  background: rgba(255,255,255,0.05);
  color: var(--text-content);
  font: 500 13px/1 var(--font-body);
  cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.lic-copy svg { width: 14px; height: 14px; }
.lic-copy:hover { border-color: var(--card-border-hover); background: rgba(46,111,242,0.14); }
.lic-copy:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.lic-copy.is-copied { color: #7EE2A8; border-color: rgba(126,226,168,0.45); }
.lic-status {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
  font-size: 13px;
}
.lic-status::before {
  content: "";
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #4ADE80;
  box-shadow: 0 0 0 3px rgba(74,222,128,0.18);
}

/* Licensed-states map: blue states link to each state's license lookup */
.usmap {
  position: relative;
  margin: 0;
  padding: 28px 32px 18px;
  background: linear-gradient(180deg, rgba(14,23,41,0.92), rgba(10,17,31,0.92));
  border: 1px solid var(--card-border);
  border-radius: 24px;
  box-shadow: 0 1px 0 rgba(255,255,255,0.05) inset, 0 40px 80px -40px rgba(0,0,0,0.9), 0 0 0 1px rgba(46,111,242,0.06);
}
.usmap-svg { display: block; width: 100%; max-width: min(860px, calc((100svh - 400px) * 1.6)); min-width: min(100%, 560px); height: auto; margin: 0 auto; overflow: visible; }
.usmap-base path {
  fill: #1A2438;
  stroke: #0A111F;
  stroke-width: 1;
  stroke-linejoin: round;
}
.usmap-state path {
  fill: var(--gold);
  stroke: #0A111F;
  stroke-width: 1;
  stroke-linejoin: round;
  transition: fill 0.2s ease, filter 0.2s ease;
}
.usmap-state { cursor: pointer; outline: none; }
.usmap-state:hover path,
.usmap-state:focus-visible path,
.usmap-state.is-active path {
  fill: var(--gold-light);
  filter: drop-shadow(0 0 10px rgba(111,166,255,0.55));
}
.usmap-state:focus-visible path { stroke: #fff; stroke-width: 2; }
.usmap-labels text {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 500;
  fill: #fff;
  text-anchor: middle;
  dominant-baseline: central;
  pointer-events: none;
  paint-order: stroke;
  stroke: rgba(7,12,22,0.35);
  stroke-width: 2px;
}
.usmap-labels line { stroke: var(--gold-light); stroke-width: 1; }
.usmap-tip {
  position: absolute;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 190px;
  max-width: 250px;
  padding: 12px 14px;
  background: var(--card-solid);
  border: 1px solid var(--card-border-hover);
  border-radius: var(--radius-sm);
  box-shadow: 0 18px 40px -16px rgba(0,0,0,0.8);
  pointer-events: none;
  transform: translate(-50%, calc(-100% - 14px));
}
.usmap-tip-name { color: #fff; font-weight: 600; font-size: 15px; }
.usmap-tip-dept { color: var(--text-muted); font-size: 12.5px; line-height: 1.4; }
.usmap-tip-cta { margin-top: 6px; color: var(--gold-light); font-size: 12.5px; font-weight: 600; }
.usmap-legend {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 10px 20px;
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid var(--hairline);
  color: var(--text-muted);
  font-size: 13px;
}
.usmap-legend-keys { display: inline-flex; align-items: center; gap: 8px; }
.usmap-key {
  width: 14px; height: 14px;
  border-radius: 4px;
  background: #1A2438;
  border: 1px solid var(--card-border);
}
.usmap-key.is-licensed { background: var(--gold); border-color: var(--gold); }
.usmap-key:not(.is-licensed) { margin-left: 14px; }
.usmap-hint { display: inline-flex; align-items: center; gap: 8px; color: var(--gold-light); font-weight: 500; }
.usmap-hint::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-light);
  animation: usmap-pulse 2s ease-out infinite;
}
@keyframes usmap-pulse {
  0% { box-shadow: 0 0 0 0 rgba(111,166,255,0.6); }
  100% { box-shadow: 0 0 0 10px rgba(111,166,255,0); }
}
@media (prefers-reduced-motion: reduce) { .usmap-hint::before { animation: none; } }

/* Sections below the map */
.lic-section { max-width: 1000px; margin: 0 auto; padding-top: 88px; }
.lic-section-head { margin-bottom: 26px; }
.lic-section-head .eyebrow { margin-bottom: 10px; }
.lic-section-head .eyebrow::before { display: none; }
.lic-section h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(26px, 4vw, 34px);
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: #fff;
  margin: 0;
}
.lic-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.lic-steps li {
  padding: 22px 22px 20px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
}
.lic-step-num {
  display: grid;
  place-items: center;
  width: 32px; height: 32px;
  margin-bottom: 16px;
  border-radius: 50%;
  background: var(--gold-soft);
  border: 1px solid rgba(111,166,255,0.35);
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 500;
}
.lic-steps h3 { margin: 0 0 6px; color: #fff; font-size: 17px; font-weight: 600; letter-spacing: -0.01em; }
.lic-steps p { margin: 0; color: var(--text-muted); font-size: 15px; line-height: 1.6; }
.lic-steps strong { color: var(--text-content); font-weight: 600; }

.license-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 12px;
}
.license-grid li { margin: 0; }
.license-grid a {
  display: grid;
  grid-template-columns: auto 1fr auto;
  grid-template-rows: auto auto;
  column-gap: 14px;
  align-items: center;
  height: 100%;
  padding: 14px 16px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: transform 0.3s var(--ease), border-color 0.3s ease, background 0.3s ease;
}
.license-grid a:hover,
.license-grid a.is-active { transform: translateY(-2px); border-color: var(--card-border-hover); background: rgba(46,111,242,0.07); }
.license-grid a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.license-abbr {
  grid-row: 1 / 3;
  display: grid;
  place-items: center;
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--gold-soft);
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 14.5px;
}
.license-name { color: #fff; font-weight: 600; font-size: 15.5px; line-height: 1.3; }
.license-dept { grid-column: 2; color: var(--text-muted); font-size: 12.5px; line-height: 1.4; }
.license-go {
  grid-column: 3;
  grid-row: 1 / 3;
  display: grid;
  place-items: center;
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 1px solid var(--card-border);
  color: var(--gold-light);
  transition: border-color 0.2s ease, background 0.2s ease;
}
.license-go svg { width: 14px; height: 14px; transition: transform 0.2s var(--ease); }
.license-grid a:hover .license-go,
.license-grid a.is-active .license-go { border-color: var(--card-border-hover); background: var(--gold-soft); }
.license-grid a:hover .license-go svg { transform: translate(1px, -1px); }

.lic-hero + main .service-cta { margin-top: 96px; }
@media (max-width: 860px) {
  .lic-head { flex-direction: column; align-items: flex-start; gap: 20px; }
  .lic-steps { grid-template-columns: 1fr; }
  .lic-steps li { display: grid; grid-template-columns: auto 1fr; column-gap: 16px; padding: 18px; }
  .lic-step-num { grid-row: 1 / 3; margin: 0; }
}
@media (max-width: 560px) {
  .lic-hero { padding: calc(96px + env(safe-area-inset-top, 0px)) 0 40px; }
  .lic-intro .tagline { font-size: 15.5px; }
  .lic-head { margin-bottom: 20px; }
  .lic-npn { align-self: stretch; }
  .usmap { padding: 14px 8px 12px; border-radius: var(--radius); margin: 0 -8px; }
  .usmap-labels text { font-size: 20px; }
  .usmap-legend { justify-content: center; padding: 12px 8px 0; }
  .lic-section { padding-top: 64px; }
  .license-grid { grid-template-columns: 1fr; }
}

/* AD LANDING PAGE — full-bleed photo hero, one promise, trust row, big CTA */
.ad-hero {
  position: relative;
  overflow: hidden;
  min-height: 92vh;
  min-height: 92svh;
  display: flex;
  align-items: center;
  padding: calc(120px + env(safe-area-inset-top, 0px)) 0 72px;
  background: var(--ink);
  color: var(--text-hero);
}
.ad-hero-photo {
  position: absolute;
  inset: 0;
  background: var(--ad-photo, url("/images/final-expense-hero.jpg")) var(--ad-photo-pos, 72% center) / cover no-repeat;
}
.ad-hero-photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(7,12,22,0.97) 0%, rgba(7,12,22,0.88) 34%, rgba(7,12,22,0.35) 62%, rgba(7,12,22,0.05) 100%),
    linear-gradient(180deg, rgba(7,12,22,0.55) 0%, transparent 22%, transparent 70%, var(--ink) 100%);
}
.ad-hero-inner { position: relative; z-index: 1; width: 100%; }
.ad-hero-inner > * { max-width: 620px; }
.ad-hero-inner > h1 { max-width: 880px; }
.ad-kicker {
  display: inline-block;
  padding: 7px 14px;
  border-radius: 999px;
  background: rgba(46,111,242,0.16);
  border: 1px solid rgba(111,166,255,0.35);
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.ad-hero h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(44px, 7.4vw, 80px);
  line-height: 1;
  letter-spacing: -0.045em;
  margin: 0 0 22px;
  color: #fff;
}
.ad-hero h1 em { font-style: normal; color: var(--gold-light); display: block; }
/* The H1 names the product; the slogan sits under it as a subheading. */
.ad-hero h1 { font-size: clamp(40px, 6.4vw, 70px); margin-bottom: 14px; }
.ad-slogan {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(24px, 3.3vw, 36px);
  line-height: 1.12;
  letter-spacing: -0.03em;
  color: #fff;
  margin: 0 0 22px;
}
.ad-slogan em { font-style: normal; color: var(--gold-light); }
.ad-promise { font-size: clamp(18px, 2.1vw, 21px); line-height: 1.55; color: #D5DBE5; margin: 0; max-width: 34em; }
.ad-promise strong { color: #fff; font-weight: 600; }
.ad-cta { margin-top: 34px; }
.btn-xl { padding: 21px 42px; font-size: 18px; letter-spacing: 0.01em; font-weight: 700; }
.ad-cta-note { margin: 14px 0 0; font-size: 14px; color: var(--text-muted); }
.ad-cta-note a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
.ad-trust {
  list-style: none;
  margin: 40px 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.ad-trust li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 14px;
  border-radius: 10px;
  background: rgba(7,12,22,0.55);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  font-size: 14px;
  color: var(--text-content);
}
.ad-trust strong { color: #fff; font-weight: 600; }
.ad-trust svg { width: 16px; height: 16px; color: var(--gold-light); flex: 0 0 auto; }
@media (max-width: 760px) {
  .ad-hero { min-height: 0; padding-top: calc(104px + env(safe-area-inset-top, 0px)); padding-bottom: 56px; }
  .ad-hero-photo { background-position: 78% top; }
  .ad-hero-photo::after {
    background: linear-gradient(180deg, rgba(7,12,22,0.55) 0%, rgba(7,12,22,0.8) 38%, rgba(7,12,22,0.95) 62%, var(--ink) 100%);
  }
  .ad-cta .btn-xl { width: 100%; }
  .ad-trust li { flex: 1 1 calc(50% - 10px); font-size: 13px; }
}

/* AGENT HERO — designed "job posting" graphic instead of a photo */
.ad-hero-graphic {
  background:
    radial-gradient(60% 70% at 80% 38%, rgba(46,111,242,0.38), rgba(27,63,143,0.12) 55%, transparent 80%),
    radial-gradient(45% 55% at 0% 100%, rgba(46,111,242,0.16), transparent 70%),
    linear-gradient(180deg, transparent 75%, var(--ink) 100%),
    var(--ink);
}
.ad-hero-graphic::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: linear-gradient(180deg, #000 60%, transparent);
  mask-image: linear-gradient(180deg, #000 60%, transparent);
  pointer-events: none;
}
.ad-hero-graphic .ad-hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 400px;
  column-gap: 56px;
  align-items: start;
}
.ad-hero-graphic .ad-hero-inner > * { grid-column: 1; }
.ad-hero-graphic .ad-kicker { justify-self: start; }
.ad-hero-art {
  grid-column: 2 !important;
  grid-row: 1 / span 6;
  align-self: center;
  position: relative;
  padding: 26px 0 18px;
}
.ad-hero-art::before {
  content: "";
  position: absolute;
  inset: 8px -18px 0 22px;
  border-radius: 24px;
  background: rgba(46,111,242,0.14);
  border: 1px solid rgba(111,166,255,0.25);
  transform: rotate(5deg);
}
.ad-job {
  position: relative;
  padding: 28px;
  border-radius: 24px;
  background: linear-gradient(180deg, #16233F, #0D1629);
  border: 1px solid rgba(111,166,255,0.35);
  box-shadow: 0 30px 60px -20px rgba(0,0,0,0.7), 0 0 0 1px rgba(255,255,255,0.02) inset;
  animation: ad-float 6s ease-in-out infinite;
}
@keyframes ad-float { 50% { transform: translateY(-8px); } }
@media (prefers-reduced-motion: reduce) { .ad-job { animation: none; } }
.ad-job-stamp {
  position: absolute;
  top: -18px;
  right: 34px;
  padding: 9px 18px;
  border-radius: 999px;
  background: #F5C542;
  color: var(--navy);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transform: rotate(7deg);
  box-shadow: 0 10px 24px -8px rgba(245,197,66,0.55);
}
.ad-job-head { display: flex; align-items: center; gap: 16px; padding-bottom: 20px; border-bottom: 1px solid var(--hairline); }
.ad-job-icon {
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  width: 50px; height: 50px;
  border-radius: 14px;
  background: rgba(46,111,242,0.2);
  border: 1px solid rgba(111,166,255,0.5);
  color: #9CC2FF;
}
.ad-job-icon svg { width: 24px; height: 24px; }
.ad-job-title { margin: 0; font-family: var(--font-display); font-weight: 700; font-size: 21px; color: #fff; letter-spacing: -0.01em; }
.ad-job-sub { margin: 3px 0 0; font-size: 13.5px; color: var(--text-muted); }
.ad-job-list { list-style: none; margin: 20px 0 0; padding: 0; display: grid; gap: 13px; }
.ad-job-list li { position: relative; padding-left: 36px; font-size: 16px; color: var(--text-content); line-height: 24px; }
.ad-job-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: rgba(46,111,242,0.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%239CC2FF' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-8.5'/%3E%3C/svg%3E") center / 14px no-repeat;
  border: 1px solid rgba(111,166,255,0.6);
}
.ad-job-label {
  margin: 24px 0 12px;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-light);
}
.ad-job-path { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; align-items: end; }
.ad-job-path li {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 12px 6px 0;
  border-radius: 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  color: #fff;
  text-align: center;
  transform-origin: bottom;
  animation: ad-grow 0.9s var(--ease) both;
}
.ad-job-path li:nth-child(1) { height: 42px; background: linear-gradient(180deg, #2A4A86, #1A2D52); animation-delay: 0.3s; }
.ad-job-path li:nth-child(2) { height: 64px; background: linear-gradient(180deg, #3C6CD0, #22417F); animation-delay: 0.45s; }
.ad-job-path li:nth-child(3) { height: 88px; background: linear-gradient(180deg, #6FA6FF, #2E6FF2); animation-delay: 0.6s; box-shadow: 0 10px 30px -10px rgba(46,111,242,0.8); }
@keyframes ad-grow { from { transform: scaleY(0.2); opacity: 0; } }
@media (prefers-reduced-motion: reduce) { .ad-job-path li { animation: none; } }
@media (max-width: 960px) {
  .ad-hero-graphic .ad-hero-inner { grid-template-columns: minmax(0, 1fr); }
  .ad-hero-art { grid-column: 1 !important; grid-row: auto; order: 99; width: 100%; max-width: 400px; margin-top: 44px; justify-self: start; }
}
@media (max-width: 760px) {
  .ad-hero-art { margin: 40px auto 0; justify-self: center; max-width: 360px; padding-right: 14px; }
  .ad-job { padding: 24px 22px; }
  .ad-job-list li { font-size: 15px; }
}

/* HOME HERO — ad-style copy over the original centered hero with carrier ticker */
.home-hero .wrap { max-width: 860px; }
.home-hero h1 { font-family: var(--font-display); font-weight: 700; font-size: clamp(42px, 7vw, 76px); line-height: 1; letter-spacing: -0.045em; margin: 0 0 22px; color: #fff; }
.home-hero h1 em { font-style: normal; color: var(--gold-light); display: block; }
.home-hero .ad-promise { margin: 0 auto; max-width: 36em; }
.home-hero .ad-trust { justify-content: center; }
.home-hero-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.home-hero-actions .btn-ghost { background: rgba(7,12,22,0.45); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
@media (max-width: 760px) {
  .home-hero { padding-left: 0; padding-right: 0; }
  .home-hero .ad-kicker { font-size: 10.5px; letter-spacing: 0.1em; }
  .home-hero h1 { font-size: clamp(38px, 11vw, 52px); }
  .home-hero .ad-cta .btn-xl { width: 100%; padding: 18px 24px; font-size: 17px; white-space: nowrap; }
  .home-hero .ad-trust li { flex: 1 1 auto; justify-content: center; font-size: 13px; }
  /* Mobile only: lift the carrier ticker rows higher in the taller stacked hero */
  .home-hero .hero-tickers { inset: 0 0 38% 0; }
}

.ad-carriers { border-top: 1px solid var(--hairline); border-bottom: 1px solid var(--hairline); background: var(--navy); padding: 28px 0; }
.ad-carriers-label {
  margin: 0 0 18px;
  text-align: center;
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.ad-carriers-logos { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 22px 44px; }
.ad-carriers-logos img { display: block; height: 28px; width: auto; filter: grayscale(1) brightness(3); opacity: 0.7; }
@media (max-width: 560px) { .ad-carriers-logos { gap: 18px 28px; } .ad-carriers-logos img { height: 22px; } }
.ad-carriers.is-ticker .wrap { max-width: none; padding-left: 0; padding-right: 0; }
.ad-carriers-marquee {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.ad-carriers-track { display: flex; width: max-content; animation: ticker-right linear infinite; }
.ad-carriers-marquee:hover .ad-carriers-track { animation-play-state: paused; }
.ad-carriers.is-ticker .ad-carriers-logos { flex-wrap: nowrap; justify-content: flex-start; gap: 0; flex: 0 0 auto; }
.ad-carriers.is-ticker .ad-carriers-logos li { flex: 0 0 auto; padding: 0 30px; }
@keyframes ticker-right {
  from { transform: translateX(-50%); }
  to { transform: translateX(0); }
}
@media (max-width: 560px) { .ad-carriers.is-ticker .ad-carriers-logos li { padding: 0 20px; } }
@media (prefers-reduced-motion: reduce) { .ad-carriers-track { animation: none; } }

/* AT A GLANCE — headline numbers for each insurance page */
.ad-glance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.ad-glance-item {
  display: flex; flex-direction: column;
  padding: 28px 26px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-top: 2px solid var(--gold);
  border-radius: var(--radius);
}
.ad-glance-label {
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
}
.ad-glance-figure {
  display: block;
  margin: 12px 0 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(30px, 4vw, 40px);
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: #fff;
}
.ad-section .ad-glance-item p { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--text-content); }
.ad-glance-note { display: block; margin-top: auto; padding-top: 14px; font-size: 12px; line-height: 1.5; color: var(--text-faint); }
.ad-section .ad-glance-fine { max-width: 760px; margin: 22px auto 0; text-align: center; font-size: 12px; line-height: 1.6; color: var(--text-faint); }
@media (max-width: 860px) { .ad-glance-grid { grid-template-columns: 1fr; } }

.ad-page .service-quote { max-width: 760px; margin: 0 auto; }
.ad-section { max-width: 960px; margin: 104px auto 0; }
.ad-head { text-align: center; margin-bottom: 36px; }
.ad-section h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(30px, 4.6vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.035em;
  color: #fff;
  margin: 0;
}
.ad-section h2 em { font-style: normal; color: var(--gold-light); }
.ad-section p { color: var(--text-muted); font-size: 16.5px; line-height: 1.7; }
.ad-benefits .card { padding-top: 30px; }
.ad-benefits .card::before { content: none; }
.ad-benefits .card h3 { font-size: 19px; }
.ad-benefits .card p { font-size: 15.5px; }
.ad-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border-radius: 12px; margin-bottom: 16px;
  background: var(--gold-soft); color: var(--gold-light);
}
.ad-icon svg { width: 24px; height: 24px; }

.ad-split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.ad-split h2 { margin-bottom: 18px; }
.ad-split .checklist { margin: 0; }
.ad-split .checklist li { color: var(--text-content); }

/* WHY LIFE INSURANCE — opening pitch on the Become an Agent page */
.ad-why {
  position: relative;
  max-width: 1040px;
  margin-top: 96px;
  padding: 72px 56px 64px;
  border: 1px solid var(--card-border);
  border-radius: 28px;
  background:
    radial-gradient(120% 60% at 50% 0%, rgba(46,111,242,0.16), transparent 60%),
    linear-gradient(180deg, var(--navy-2), var(--navy));
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.ad-why::before {
  content: "";
  position: absolute; top: 0; left: 12%; right: 12%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-light), transparent);
}
.ad-why h2 { font-size: clamp(32px, 5.4vw, 54px); font-weight: 700; }
.ad-why h2 em { display: block; }
.ad-why-head { margin-bottom: 44px; }
.ad-why-head .eyebrow { margin-bottom: 16px; }
.ad-section .ad-why-lead { max-width: 640px; margin: 22px auto 0; font-size: clamp(16.5px, 1.8vw, 18.5px); color: #C9D1DD; }
.ad-why h3 { font-family: var(--font-display); letter-spacing: -0.02em; color: #fff; }
.ad-why h3 em { font-style: normal; color: var(--gold-light); }

.ad-why-compare { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr) 1.5fr; gap: 12px; }
.ad-why-compare li {
  display: flex; flex-direction: column; gap: 8px;
  padding: 18px 18px 20px;
  border: 1px dashed rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.015);
}
.ad-why-tag { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-faint); }
.ad-section .ad-why-compare p { margin: 0; font-size: 14px; line-height: 1.55; color: var(--text-muted); }
.ad-why-compare li.is-featured {
  border: 1px solid rgba(111,166,255,0.5);
  background: linear-gradient(135deg, rgba(46,111,242,0.22), rgba(46,111,242,0.06));
  box-shadow: 0 18px 40px -22px rgba(46,111,242,0.8);
}
.ad-why-compare li.is-featured .ad-why-tag { color: var(--gold-light); font-weight: 500; }
.ad-section .ad-why-compare li.is-featured p { color: #fff; font-size: 15px; }

.ad-why-features { margin-top: 40px; }
.ad-why-features .card { background: rgba(7,12,22,0.55); }
.ad-why-stats { margin-top: 40px; }
.ad-why-stats .ad-glance-item { background: rgba(7,12,22,0.55); }
.ad-why-stats .ad-glance-figure { font-size: clamp(36px, 4.6vw, 48px); background: linear-gradient(180deg, #fff, #BFD4FF); -webkit-background-clip: text; background-clip: text; color: transparent; }
.ad-glance-note a { color: var(--text-muted); text-decoration: underline; text-underline-offset: 2px; }
.ad-glance-note a:hover { color: var(--gold-light); }

.ad-why-truth {
  display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center;
  margin-top: 56px; padding: 40px;
  border: 1px solid var(--card-border); border-radius: var(--radius);
  background: rgba(7,12,22,0.55);
}
.ad-why-truth .eyebrow { margin-bottom: 14px; }
.ad-why-truth .eyebrow::before { display: none; }
.ad-why-truth h3 { margin: 0 0 14px; font-size: clamp(22px, 2.6vw, 28px); line-height: 1.2; }
.ad-why-truth p { margin: 0; }
.ad-why-gaps { list-style: none; margin: 18px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.ad-why-gaps li {
  position: relative; padding: 10px 12px 10px 34px;
  border-radius: 10px; background: rgba(255,255,255,0.03);
  font-size: 14.5px; color: var(--text-content); line-height: 1.4;
}
.ad-why-gaps li::before {
  content: ""; position: absolute; left: 13px; top: 50%; width: 10px; height: 2px; margin-top: -1px;
  border-radius: 2px; background: #E07A7A;
}
.ad-section .ad-why-keys-label { margin: 0 0 14px; font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-light); }
.ad-why-keys ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; counter-reset: key; }
.ad-why-keys li {
  position: relative; display: grid; gap: 2px;
  padding: 16px 18px 16px 62px;
  border: 1px solid rgba(111,166,255,0.22); border-radius: var(--radius-sm);
  background: var(--gold-soft);
}
.ad-why-keys li::before {
  counter-increment: key; content: counter(key);
  position: absolute; left: 16px; top: 16px;
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  font-family: var(--font-display); font-weight: 700; font-size: 14px; color: #fff;
}
.ad-why-keys strong { color: #fff; font-size: 16px; font-weight: 600; }
.ad-why-keys span { font-size: 14.5px; line-height: 1.55; color: var(--text-muted); }

.ad-why-cta { margin-top: 56px; text-align: center; }
.ad-why-cta h3 { margin: 0 0 20px; font-size: clamp(22px, 2.8vw, 30px); }
.ad-section .ad-why-disclaimer { max-width: 620px; margin: 18px auto 0; font-size: 12px; line-height: 1.6; color: var(--text-faint); }

@media (max-width: 960px) {
  .ad-why-compare { grid-template-columns: repeat(2, 1fr); }
  .ad-why-compare li.is-featured { grid-column: 1 / -1; }
  .ad-why-truth { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 760px) {
  .ad-why { margin-top: 72px; padding: 52px 22px 44px; border-radius: 22px; }
  .ad-why-truth { padding: 28px 20px; }
  .ad-why-cta .btn-xl { width: 100%; }
}
@media (max-width: 560px) {
  .ad-why { margin-left: -8px; margin-right: -8px; padding-left: 18px; padding-right: 18px; }
  .ad-why-gaps { grid-template-columns: 1fr; }
}
@media (max-width: 860px) { .ad-split { grid-template-columns: 1fr; gap: 24px; } }

.ad-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; counter-reset: adstep; }
.ad-steps li {
  position: relative;
  padding: 30px 26px 26px;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  background: var(--card-bg);
  counter-increment: adstep;
}
.ad-steps li::before {
  content: counter(adstep);
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%; margin-bottom: 16px;
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: #fff; font-family: var(--font-display); font-weight: 700;
}
.ad-steps h3 { margin: 0 0 8px; font-family: var(--font-display); font-size: 19px; font-weight: 600; color: #fff; letter-spacing: -0.01em; }
.ad-steps p { margin: 0; font-size: 15.5px; }
.ad-steps-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .ad-steps-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 760px) { .ad-steps { grid-template-columns: 1fr; } }

.ad-broker {
  max-width: 760px;
  text-align: center;
  padding: 48px 36px;
  border-radius: var(--radius);
  border: 1px solid rgba(111,166,255,0.22);
  background: radial-gradient(80% 90% at 50% 0%, rgba(46,111,242,0.12), transparent 70%), var(--card-solid);
}
.ad-broker-photo { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; border: 3px solid var(--gold); margin-bottom: 20px; }
.ad-broker blockquote { margin: 0 auto 18px; max-width: 34em; font-family: var(--font-display); font-size: clamp(19px, 2.4vw, 23px); line-height: 1.5; color: #fff; letter-spacing: -0.01em; }
.ad-broker blockquote em { font-style: normal; color: var(--gold-light); }
.ad-broker-name { margin: 0 0 10px; font-size: 14.5px; }
.ad-broker-name strong { color: #fff; }
.ad-broker-link { color: var(--gold-light); font-size: 14.5px; text-decoration: none; }
.ad-broker-link:hover { text-decoration: underline; }

.ad-faq { max-width: 760px; margin: 0 auto; }
.ad-faq details p { color: var(--text-muted); }
.ad-final { margin-top: 104px; }
.ad-final .ad-cta-note { margin-top: 18px; }

/* SERVICE GUIDES — explainer blocks on the insurance pages: worked examples,
   side-by-side comparisons, benefit/trade-off lists, and the mortgage chart */
.ad-fine { max-width: 760px; margin: 18px auto 0; text-align: center; }
.ad-section .ad-fine { font-size: 12.5px; line-height: 1.6; color: var(--text-faint); }

.ad-example {
  max-width: 640px;
  margin: 0 auto;
  padding: 28px 30px;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  background: var(--card-bg);
}
.ad-example-label { display: block; margin-bottom: 16px; font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-light); }
.ad-example dl { margin: 0; }
.ad-example dl > div { display: flex; justify-content: space-between; gap: 18px; padding: 12px 0; border-bottom: 1px solid var(--hairline); }
.ad-example dt { color: var(--text-content); font-size: 15.5px; }
.ad-example dt small { display: block; margin-top: 2px; font-size: 13px; color: var(--text-muted); }
.ad-example dd { margin: 0; font-family: var(--font-mono); font-size: 15px; color: #fff; white-space: nowrap; font-variant-numeric: tabular-nums; }
.ad-example dl > div.is-minus dd { color: var(--text-muted); }
.ad-example dl > div.is-total { border-bottom: 0; padding-top: 16px; }
.ad-example dl > div.is-total dt { font-weight: 600; color: #fff; }
.ad-example dl > div.is-total dd { font-size: 19px; font-weight: 600; color: var(--gold-light); }

.ad-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  background: var(--card-bg);
}
.ad-table { width: 100%; min-width: 560px; border-collapse: collapse; font-size: 15px; }
.ad-table th, .ad-table td { padding: 15px 20px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--hairline); line-height: 1.55; }
.ad-table tr:last-child th, .ad-table tr:last-child td { border-bottom: 0; }
.ad-table thead th { font-family: var(--font-display); font-size: 16.5px; font-weight: 600; color: #fff; background: rgba(46,111,242,0.08); }
.ad-table thead th small { display: block; margin-top: 2px; font-family: var(--font-mono); font-size: 11px; font-weight: 400; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-light); }
.ad-table tbody th { width: 28%; font-weight: 500; color: var(--text-muted); font-size: 14px; }
.ad-table td { color: var(--text-content); }

.ad-tradeoffs { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.ad-tradeoff {
  padding: 28px 26px;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  background: var(--card-bg);
}
.ad-tradeoff h3 { margin: 0 0 4px; font-family: var(--font-display); font-size: 20px; font-weight: 600; color: #fff; letter-spacing: -0.01em; }
.ad-tradeoff .checklist { margin-top: 16px; }
.ad-tradeoff .checklist li { color: var(--text-content); }
.ad-tradeoff.is-caution { border-color: rgba(255,196,94,0.28); }
.checklist.is-caution li::before {
  content: "!";
  left: 19px; top: 13px;
  width: auto; height: auto;
  border: 0;
  transform: none;
  font-family: var(--font-display);
  font-weight: 700;
  color: #FFC45E;
}

.ad-callout {
  max-width: 760px;
  margin: 0 auto;
  padding: 26px 28px;
  border-radius: var(--radius);
  border: 1px solid rgba(255,196,94,0.3);
  background: linear-gradient(180deg, rgba(255,196,94,0.07), rgba(255,196,94,0.02));
}
.ad-callout h3 { margin: 0 0 8px; font-family: var(--font-display); font-size: 19px; font-weight: 600; color: #fff; }
.ad-section .ad-callout p { margin: 0; font-size: 15.5px; color: var(--text-content); }
.ad-callout .checklist { margin-top: 14px; }

.mp-flows { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.mp-flow { padding: 26px 24px; border-radius: var(--radius); border: 1px solid var(--card-border); background: var(--card-bg); }
.mp-flow.is-featured { border-color: rgba(111,166,255,0.4); background: radial-gradient(90% 90% at 50% 0%, rgba(46,111,242,0.14), transparent 70%), var(--card-solid); }
.mp-flow-title { margin: 0 0 18px; font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-light); }
.mp-flow.is-muted .mp-flow-title { color: var(--text-muted); }
.mp-flow ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.mp-flow li { position: relative; padding: 12px 16px; border-radius: var(--radius-sm); border: 1px solid var(--hairline); background: rgba(7,12,22,0.5); color: var(--text-content); font-size: 15px; text-align: center; }
.mp-flow li + li { margin-top: 18px; }
.mp-flow li + li::before { content: "\2193"; position: absolute; top: -24px; left: 50%; translate: -50% 0; color: var(--gold-light); font-size: 16px; }
.mp-flow.is-muted li + li::before { color: var(--text-faint); }
.mp-flow li strong { color: #fff; }

.mp-chart { margin: 0; padding: 28px 28px 22px; border-radius: var(--radius); border: 1px solid var(--card-border); background: var(--card-bg); }
.mp-chart svg { display: block; width: 100%; height: auto; }
.mp-chart-axis { display: flex; justify-content: space-between; margin: 8px 0 0; padding: 0 2%; font-family: var(--font-mono); font-size: 11.5px; color: var(--text-faint); }
.mp-chart-legend { list-style: none; margin: 18px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; }
.mp-chart-legend li { display: inline-flex; align-items: center; gap: 10px; font-size: 14.5px; color: var(--text-content); }
.mp-chart-legend i { display: inline-block; width: 22px; height: 0; border-top: 3px solid var(--gold-light); }
.mp-chart-legend i.is-decreasing { border-color: #A9B8D6; }
.mp-chart-legend i.is-balance { border-top: 2px dashed var(--text-muted); }
.mp-chart-notes { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 20px; }
.mp-chart-notes + .ad-callout { max-width: none; margin-top: 20px; }

@media (max-width: 760px) {
  .ad-tradeoffs, .mp-flows, .mp-chart-notes { grid-template-columns: 1fr; }
  .ad-example { padding: 22px 20px; }
  .mp-chart { padding: 20px 16px 18px; }
}

/* Mobile sticky CTA, revealed once the hero button scrolls out of view */
.ad-sticky { display: none; }
@media (max-width: 760px) {
  .ad-sticky {
    display: block;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 40;
    padding: 12px 16px calc(12px + env(safe-area-inset-bottom, 0px));
    background: rgba(7,12,22,0.92);
    border-top: 1px solid var(--hairline);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    transform: translateY(110%);
    transition: transform 0.3s var(--ease);
  }
  .ad-sticky.is-shown { transform: translateY(0); }
  .ad-sticky .btn { width: 100%; font-size: 16px; padding: 16px 24px; }
  .ad-page .site-footer, .home-page .site-footer { padding-bottom: 96px; }
}

/* LANGUAGE SWITCH — round US / Spain flags in the nav */
.nav-lang { display: flex; align-items: center; gap: 4px; margin-left: 8px; padding: 3px; border-radius: 999px; border: 1px solid rgba(255,255,255,0.12); }
.nav-lang button {
  display: flex; padding: 3px; border: 0; border-radius: 50%; background: none; cursor: pointer;
  opacity: 0.5; filter: saturate(0.6); transition: opacity 0.2s ease, filter 0.2s ease, box-shadow 0.2s ease;
}
.nav-lang button:hover { opacity: 0.85; }
.nav-lang button[aria-pressed="true"] { opacity: 1; filter: none; box-shadow: 0 0 0 1.5px var(--gold-light); }
.nav-lang button:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 1px; }
.nav-lang svg { display: block; width: 22px; height: 22px; border-radius: 50%; clip-path: circle(50%); box-shadow: inset 0 0 0 1px rgba(0,0,0,0.15); }
@media (max-width: 560px) {
  .nav-lang { margin-left: 0; gap: 2px; padding: 2px; }
  .nav-lang button { padding: 2px; }
  .nav-lang svg { width: 20px; height: 20px; }
}


/* FOR CLIENTS — post-application thank-you page */
.fc-hero {
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  min-height: 92vh;
  min-height: 92svh;
  padding: calc(136px + env(safe-area-inset-top, 0px)) 0 96px;
  background: var(--navy);
  color: var(--text-hero);
  border-bottom: 1px solid var(--hairline);
}
.fc-hero-img {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: 70% 30%;
  animation: fc-hero-zoom 18s var(--ease) both;
}
.fc-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(90deg, rgba(7,12,22,0.96) 0%, rgba(7,12,22,0.86) 38%, rgba(7,12,22,0.35) 75%, rgba(7,12,22,0.2) 100%),
    linear-gradient(180deg, rgba(7,12,22,0.75) 0%, transparent 28%, transparent 70%, var(--ink) 100%);
}
@keyframes fc-hero-zoom { from { transform: scale(1.08); } to { transform: scale(1); } }
.fc-hero-inner { position: relative; z-index: 2; width: 100%; }
.fc-hero-inner > * { max-width: 620px; animation: fc-rise 1s var(--ease) both; }
.fc-hero-inner > :nth-child(2) { animation-delay: 0.1s; }
.fc-hero-inner > :nth-child(3) { animation-delay: 0.2s; }
.fc-hero-inner > :nth-child(4) { animation-delay: 0.3s; }
.fc-hero-inner > :nth-child(5) { animation-delay: 0.4s; }
@keyframes fc-rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }
.fc-hero .eyebrow::before { display: none; }
.fc-hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(40px, 6.4vw, 70px);
  line-height: 1.03;
  letter-spacing: -0.045em;
  margin: 0 0 24px;
  color: #fff;
}
.fc-hero h1 em { font-style: normal; color: var(--gold-light); display: block; }
.fc-hero .tagline {
  color: rgba(233,236,241,0.82);
  font-size: 18.5px;
  line-height: 1.7;
  max-width: 52ch;
  margin: 0;
}
.fc-hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.fc-hero .btn-ghost { background: rgba(7,12,22,0.35); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.fc-hero-notes {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 24px;
  margin: 40px 0 0;
  padding: 24px 0 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 13.5px;
  color: rgba(233,236,241,0.75);
}
.fc-hero-notes li { display: inline-flex; align-items: center; gap: 9px; }
.fc-hero-notes li::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold-light);
  box-shadow: 0 0 10px rgba(111,166,255,0.8);
}
@media (max-width: 760px) {
  .fc-hero { min-height: 0; padding-top: calc(120px + env(safe-area-inset-top, 0px)); padding-bottom: 72px; }
  .fc-hero-img { object-position: 75% center; }
  .fc-hero::before {
    background: linear-gradient(180deg, rgba(7,12,22,0.82) 0%, rgba(7,12,22,0.88) 45%, rgba(7,12,22,0.97) 80%, var(--ink) 100%);
  }
  .fc-hero .tagline { font-size: 17px; }
}
@media (max-width: 480px) {
  .fc-hero-actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  .fc-hero-img, .fc-hero-inner > * { animation: none; }
}

.fc-main h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(32px, 4.8vw, 48px);
  line-height: 1.08;
  letter-spacing: -0.035em;
  color: #fff;
  margin: 0 0 18px;
}
.fc-main h2 em { font-style: normal; color: var(--gold-light); }
.fc-main h3 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.02em;
  color: #fff;
}
.fc-section { padding-top: 128px; scroll-margin-top: 24px; }
@media (max-width: 760px) { .fc-section { padding-top: 96px; } }
.fc-head { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.fc-head p { color: var(--text-muted); font-size: 17px; line-height: 1.7; margin: 0; }

/* Timeline */
.fc-timeline {
  position: relative;
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.fc-timeline::before {
  content: "";
  position: absolute;
  top: 47px; left: 8%; right: 8%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(111,166,255,0.45), transparent);
}
.fc-step {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 28px 24px 24px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}
.fc-step:hover { border-color: var(--card-border-hover); transform: translateY(-4px); }
.fc-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  margin-bottom: 20px;
  border-radius: 50%;
  background: var(--card-solid);
  border: 1px solid rgba(111,166,255,0.45);
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-size: 13px;
  box-shadow: 0 0 18px rgba(46,111,242,0.35);
}
.fc-step h3 { font-size: 18.5px; margin: 0 0 10px; }
.fc-step p { color: var(--text-muted); font-size: 15px; line-height: 1.7; margin: 0 0 20px; }
.fc-step-time {
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--hairline);
  color: var(--gold-light);
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
@media (max-width: 980px) {
  .fc-timeline { grid-template-columns: repeat(2, 1fr); }
  .fc-timeline::before { display: none; }
}
@media (max-width: 600px) {
  .fc-timeline { grid-template-columns: 1fr; gap: 12px; }
}

.fc-notice {
  display: flex;
  gap: 20px;
  margin-top: 32px;
  padding: 28px 30px;
  background: linear-gradient(180deg, rgba(46,111,242,0.09), rgba(46,111,242,0.03));
  border: 1px solid rgba(111,166,255,0.28);
  border-radius: var(--radius);
}
.fc-notice-icon {
  flex: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--gold-soft);
  color: var(--gold-light);
}
.fc-notice-icon svg { width: 22px; height: 22px; }
.fc-notice h3 { font-size: 17px; margin: 2px 0 8px; }
.fc-notice p { color: var(--text-muted); font-size: 15px; line-height: 1.75; margin: 0; }
.fc-notice strong { color: #fff; font-weight: 600; }
@media (max-width: 560px) { .fc-notice { flex-direction: column; gap: 14px; padding: 24px 22px; } }

.fc-questions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px 40px;
  margin-top: 16px;
  padding: 28px 30px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
}
.fc-questions h3 { font-size: 19px; margin: 0 0 6px; }
.fc-questions p { color: var(--text-muted); font-size: 15px; margin: 0; max-width: 48ch; }
.fc-questions-actions { display: flex; flex-wrap: wrap; gap: 10px; flex: none; }
@media (max-width: 860px) {
  .fc-questions { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .fc-questions { padding: 24px 22px; }
  .fc-questions-actions, .fc-questions-actions .btn { width: 100%; }
}

/* Personal client care */
.fc-care {
  display: grid;
  grid-template-columns: minmax(0, 400px) minmax(0, 1fr);
  gap: 72px;
  align-items: center;
}
.fc-care-card {
  position: relative;
  padding: 40px 32px 28px;
  text-align: center;
  background:
    radial-gradient(80% 50% at 50% 0%, rgba(46,111,242,0.16), transparent 70%),
    linear-gradient(180deg, #101A2F, var(--card-solid));
  border: 1px solid var(--card-border);
  border-radius: 28px;
  box-shadow: var(--shadow-soft);
}
.fc-care-card::before {
  content: "";
  position: absolute;
  top: 0; left: 50%;
  translate: -50% 0;
  width: 140px; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.fc-care-photo {
  width: 132px; height: 132px;
  margin: 0 auto 20px;
  padding: 4px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-light), var(--gold) 60%, rgba(46,111,242,0.2));
  box-shadow: 0 18px 40px -16px rgba(46,111,242,0.6);
}
.fc-care-photo img {
  display: block;
  width: 100%; height: 100%;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--card-solid);
}
.fc-care-name { font-family: var(--font-display); font-weight: 600; font-size: 24px; letter-spacing: -0.03em; color: #fff; margin: 0 0 4px; }
.fc-care-title { color: var(--text-muted); font-size: 14.5px; margin: 0 0 4px; }
.fc-care-npn { color: var(--text-faint); font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.1em; margin: 0 0 24px; }
.fc-contact-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; text-align: left; }
.fc-contact-list a {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 16px;
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.02);
  text-decoration: none;
  transition: border-color 0.3s ease, background-color 0.3s ease, transform 0.3s var(--ease);
}
.fc-contact-list a:hover { border-color: var(--card-border-hover); background: rgba(46,111,242,0.06); transform: translateX(3px); }
.fc-contact-list a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.fc-contact-list .ic { width: 18px; height: 18px; flex: none; color: var(--gold-light); }
.fc-contact-text { display: flex; flex-direction: column; min-width: 0; }
.fc-contact-label { color: var(--text-faint); font-family: var(--font-mono); font-size: 10.5px; letter-spacing: 0.12em; text-transform: uppercase; }
.fc-contact-value { color: var(--text-content); font-size: 14.5px; font-weight: 500; overflow-wrap: anywhere; }
.fc-care-copy p { color: var(--text-muted); font-size: 16.5px; line-height: 1.8; margin: 0 0 16px; }
.fc-care-copy .eyebrow::before { display: none; }
.fc-care-sub { font-size: 16px; margin: 32px 0 14px; }
.fc-moments { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 24px; padding: 0; }
.fc-moments li {
  padding: 8px 14px;
  border: 1px solid var(--card-border);
  border-radius: 999px;
  background: var(--card-bg);
  color: var(--text-content);
  font-size: 13.5px;
  transition: border-color 0.3s ease, color 0.3s ease;
}
.fc-moments li:hover { border-color: var(--card-border-hover); color: #fff; }
.fc-care-copy .fc-care-note {
  padding-left: 16px;
  border-left: 2px solid var(--gold);
  font-size: 15px;
  color: var(--text-content);
}
@media (max-width: 900px) {
  .fc-care { grid-template-columns: 1fr; gap: 48px; }
  .fc-care-card { max-width: 440px; width: 100%; margin: 0 auto; }
  .fc-care-copy { order: -1; }
}
@media (max-width: 480px) { .fc-care-card { padding: 36px 20px 22px; } }

/* Referrals */
.fc-referral {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr);
  gap: 64px;
  align-items: center;
}
.fc-referral-media {
  position: relative;
  align-self: stretch;
  min-height: 420px;
  border-radius: 28px;
  overflow: hidden;
  border: 1px solid var(--card-border);
  box-shadow: var(--shadow-soft);
}
.fc-referral-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 66% center; }
.fc-referral-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(7,12,22,0.55));
}
.fc-referral-body > p { color: var(--text-muted); font-size: 16.5px; line-height: 1.8; margin: 0 0 16px; }
.fc-referral-body .eyebrow::before { display: none; }
.fc-referral-actions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 28px; }
.fc-action {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 14px;
  padding: 18px;
  font: inherit;
  text-align: left;
  color: var(--text-content);
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: transform 0.3s var(--ease), border-color 0.3s ease, background-color 0.3s ease, box-shadow 0.3s var(--ease);
}
.fc-action:first-child {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  border-color: transparent;
  color: #fff;
  box-shadow: 0 1px 0 rgba(255,255,255,0.25) inset, 0 14px 30px -12px rgba(46,111,242,0.55);
}
.fc-action:hover { transform: translateY(-3px); border-color: var(--card-border-hover); }
.fc-action:first-child:hover { box-shadow: 0 1px 0 rgba(255,255,255,0.25) inset, 0 20px 40px -14px rgba(46,111,242,0.7); }
.fc-action:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.fc-action-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px; height: 38px;
  border-radius: 10px;
  background: var(--gold-soft);
  color: var(--gold-light);
}
.fc-action:first-child .fc-action-icon { background: rgba(255,255,255,0.18); color: #fff; }
.fc-action-icon svg { width: 19px; height: 19px; }
.fc-action-text { display: flex; flex-direction: column; gap: 2px; }
.fc-action-text strong { font-size: 15px; font-weight: 600; }
.fc-action-text span { font-size: 12.5px; color: var(--text-muted); line-height: 1.4; }
.fc-action:first-child .fc-action-text span { color: rgba(255,255,255,0.82); }
.fc-action.is-done { border-color: rgba(111,166,255,0.6); }
.fc-message {
  margin: 16px 0 0;
  padding: 20px 22px;
  background: rgba(255,255,255,0.02);
  border: 1px dashed rgba(255,255,255,0.14);
  border-radius: var(--radius-sm);
}
.fc-message figcaption {
  margin-bottom: 8px;
  color: var(--text-faint);
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.fc-message blockquote { margin: 0; color: var(--text-content); font-size: 14.5px; line-height: 1.7; font-style: italic; }
.fc-vcard { margin: 14px 0 0; font-size: 14px; }
.fc-vcard a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
@media (max-width: 900px) {
  .fc-referral { grid-template-columns: 1fr; gap: 40px; }
  .fc-referral-media { min-height: 0; aspect-ratio: 16 / 10; }
}
@media (max-width: 600px) {
  .fc-referral-actions { grid-template-columns: 1fr; }
  .fc-action { flex-direction: row; align-items: center; }
}

/* Closing */
.fc-closing { padding: 72px 32px 56px; }
.fc-closing h2 { margin: 0 auto 22px; }
.fc-logo { display: flex; justify-content: center; margin-bottom: 24px; }
.fc-logo img { max-height: 56px; width: auto; }
.fc-monogram {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 60px; height: 60px;
  border-radius: 50%;
  border: 1px solid rgba(111,166,255,0.45);
  background: var(--gold-soft);
  color: var(--gold-light);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 20px;
  letter-spacing: -0.02em;
  box-shadow: 0 0 28px rgba(46,111,242,0.3);
}
.fc-closing .fc-sign {
  margin: 22px auto 36px;
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 500;
  color: var(--gold-light);
}
.fc-closing-card {
  max-width: 560px;
  margin: 0 auto;
  padding-top: 32px;
  border-top: 1px solid var(--hairline);
}
.fc-closing p.fc-closing-name { font-family: var(--font-display); font-weight: 600; font-size: 22px; letter-spacing: -0.03em; color: #fff; margin: 0 auto 4px; }
.fc-closing p.fc-closing-title { font-size: 14.5px; margin: 0 auto 14px; }
.fc-closing p.fc-closing-contact { font-size: 15px; margin: 0 auto 24px; }
.fc-closing-contact a { color: var(--text-content); text-decoration: none; white-space: nowrap; }
.fc-closing-contact a:hover { color: var(--gold-light); text-decoration: underline; }
.fc-closing-contact span { margin: 0 8px; color: var(--text-faint); }
.fc-social { list-style: none; display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; margin: 0; padding: 0; }
.fc-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1px solid var(--card-border);
  background: var(--card-bg);
  color: var(--text-content);
  transition: transform 0.3s var(--ease), border-color 0.3s ease, color 0.3s ease;
}
.fc-social a:hover { transform: translateY(-3px); border-color: var(--card-border-hover); color: var(--gold-light); }
.fc-social a:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.fc-social .ic { width: 18px; height: 18px; }
@media (max-width: 560px) {
  .fc-closing { padding: 56px 20px 44px; }
  .fc-closing-contact span { display: none; }
  .fc-closing-contact a { display: block; margin: 4px 0; }
}

.fc-toast {
  position: fixed;
  left: 50%;
  bottom: calc(24px + env(safe-area-inset-bottom, 0px));
  z-index: 60;
  translate: -50% 0;
  max-width: calc(100vw - 40px);
  padding: 13px 20px;
  border-radius: 999px;
  background: #fff;
  color: var(--ink);
  font-size: 14px;
  font-weight: 600;
  box-shadow: 0 18px 40px -12px rgba(0,0,0,0.6);
  animation: fc-toast-in 0.35s var(--ease);
}
@keyframes fc-toast-in { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

/* TERM LIFE — plan options and term-length timeline */
.ad-head .ad-head-sub { max-width: 640px; margin: 16px auto 0; }
.term-plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.term-plan {
  display: flex; flex-direction: column;
  background: var(--card-bg); border: 1px solid var(--card-border);
  border-radius: var(--radius); padding: 28px 26px; box-shadow: var(--shadow-soft);
}
.term-plan.is-featured { border-color: var(--card-border-hover); }
.term-plan-tag { font-family: var(--font-mono); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-light); }
.term-plan h3 { margin: 8px 0 10px; font-size: 20px; color: #fff; }
.ad-section .term-plan p { margin: 0; font-size: 15px; line-height: 1.6; }
.term-plan-list { list-style: none; margin: 18px 0; padding: 0; display: grid; gap: 10px; }
.term-plan-list li { position: relative; padding-left: 22px; font-size: 14.5px; line-height: 1.55; color: var(--text-content); }
.term-plan-list li::before { content: ""; position: absolute; left: 2px; top: 7px; width: 9px; height: 5px; border-left: 2px solid var(--gold-light); border-bottom: 2px solid var(--gold-light); transform: rotate(-45deg); }
.ad-section .term-plan .term-plan-best { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--hairline); font-size: 14px; }
.term-plan-best strong { color: #fff; }
.term-lengths { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(7, 1fr); gap: 12px; }
.term-lengths li { background: var(--card-bg); border: 1px solid var(--card-border); border-radius: var(--radius-sm); padding: 18px 14px; text-align: center; }
.term-lengths strong { display: block; font-family: var(--font-display); font-size: 30px; color: #fff; }
.term-lengths strong span { font-size: 14px; color: var(--gold-light); }
.ad-section .term-lengths p { margin: 8px 0 0; font-size: 13px; line-height: 1.5; }
@media (max-width: 960px) { .term-plans { grid-template-columns: 1fr; } .term-lengths { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 560px) { .term-lengths { grid-template-columns: repeat(2, 1fr); } }

/* LIFE INSURANCE CALCULATOR — inputs on the left, a live estimate on the
   right that stays in view while the visitor types, then license proof */
.calc-hero {
  position: relative;
  overflow: hidden;
  padding: calc(120px + env(safe-area-inset-top, 0px)) 0 56px;
  background:
    radial-gradient(55% 70% at 85% 30%, rgba(46,111,242,0.22), transparent 70%),
    linear-gradient(180deg, var(--ink), var(--navy));
  border-bottom: 1px solid var(--hairline);
}
.calc-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(70% 70% at 50% 45%, #000, transparent 80%);
  -webkit-mask-image: radial-gradient(70% 70% at 50% 45%, #000, transparent 80%);
  pointer-events: none;
}
.calc-hero .wrap { position: relative; }
.calc-hero h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(40px, 6.4vw, 68px);
  line-height: 1.02;
  letter-spacing: -0.045em;
  margin: 0 0 18px;
  color: #fff;
}
.calc-hero h1 em { font-style: normal; color: var(--gold-light); }
.calc-lead { max-width: 36em; margin: 0; font-size: clamp(17px, 2vw, 19.5px); line-height: 1.6; color: #D5DBE5; }
.calc-journey { list-style: none; margin: 30px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.calc-journey li {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 8px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.12);
  background: rgba(7,12,22,0.55);
  font-size: 14px; color: var(--text-content);
}
.calc-journey li span {
  display: inline-flex; align-items: center; justify-content: center;
  width: 26px; height: 26px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 13px;
}

.calc {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  gap: 28px;
  align-items: start;
  max-width: 1040px;
  margin: 56px auto 0;
  scroll-margin-top: 88px;
}
.calc-form { display: grid; gap: 18px; }
.calc-group, .calc-extra {
  margin: 0;
  padding: 24px 24px 6px;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  background: var(--card-bg);
}
.calc-group legend {
  float: left; width: 100%;
  display: flex; align-items: center; gap: 12px;
  margin: 0 0 18px; padding: 0;
  font-family: var(--font-display); font-size: 19px; font-weight: 600; color: #fff; letter-spacing: -0.01em;
}
.calc-group legend + * { clear: both; }
.calc-step {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px; border-radius: 50%;
  background: rgba(46,111,242,0.16); border: 1px solid rgba(111,166,255,0.4);
  color: var(--gold-light); font-size: 13.5px; font-weight: 700;
}
.calc-hint { margin: -6px 0 18px; font-size: 13.5px; line-height: 1.55; color: var(--text-faint); }
.calc-money { position: relative; display: block; }
.calc-money::before {
  content: "$";
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  font-size: 15px; font-weight: 400; letter-spacing: normal; color: var(--text-muted);
  pointer-events: none;
}
.calc-money input { padding-left: 28px; font-variant-numeric: tabular-nums; }
.calc-extra { padding-bottom: 6px; }
.calc-extra summary {
  cursor: pointer; list-style: none;
  margin: -4px 0 18px;
  font-family: var(--font-display); font-size: 16.5px; font-weight: 600; color: var(--gold-light);
}
.calc-extra summary::-webkit-details-marker { display: none; }
.calc-extra summary::before { content: "+"; display: inline-block; width: 18px; }
.calc-extra[open] summary::before { content: "−"; }
.calc-extra:not([open]) { padding-bottom: 0; }
.calc-extra:not([open]) summary { margin-bottom: 18px; }

.calc-result {
  position: sticky;
  top: 92px;
  padding: 30px 28px 28px;
  border-radius: var(--radius);
  border: 1px solid rgba(111,166,255,0.3);
  background: radial-gradient(90% 70% at 50% 0%, rgba(46,111,242,0.18), transparent 70%), var(--card-solid);
  box-shadow: var(--shadow-soft);
}
.calc-result-label { margin: 0; font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-light); }
.calc-total {
  margin: 10px 0 8px;
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(40px, 5vw, 54px); line-height: 1; letter-spacing: -0.035em;
  color: #fff; font-variant-numeric: tabular-nums;
}
.calc-message { margin: 0; font-size: 14.5px; line-height: 1.6; color: var(--text-muted); }
.calc-meter { height: 8px; margin: 22px 0 8px; border-radius: 999px; background: rgba(255,255,255,0.07); overflow: hidden; }
.calc-meter-fill { display: block; height: 100%; width: 0; border-radius: inherit; background: linear-gradient(90deg, var(--gold), var(--gold-light)); transition: width 0.4s var(--ease); }
.calc-meter-label { margin: 0; font-size: 12.5px; color: var(--text-faint); font-variant-numeric: tabular-nums; }
.calc-breakdown { margin: 18px 0 0; }
.calc-breakdown > div { display: flex; justify-content: space-between; gap: 14px; padding: 9px 0; border-bottom: 1px solid var(--hairline); }
.calc-breakdown dt { font-size: 14px; color: var(--text-content); }
.calc-breakdown dd { margin: 0; font-family: var(--font-mono); font-size: 14px; color: #fff; white-space: nowrap; font-variant-numeric: tabular-nums; }
.calc-breakdown > div.is-minus dd { color: var(--text-muted); }
.calc-invite {
  margin-top: 22px; padding: 20px;
  border-radius: var(--radius-sm);
  background: rgba(46,111,242,0.1); border: 1px solid rgba(111,166,255,0.25);
}
.calc-invite p { margin: 0 0 14px; font-size: 14.5px; line-height: 1.6; color: var(--text-content); }
.calc-invite .calc-invite-title { margin-bottom: 6px; font-family: var(--font-display); font-size: 18px; font-weight: 600; color: #fff; }
.calc-invite .btn { width: 100%; justify-content: center; }
.calc-invite .calc-invite-alt { margin: 12px 0 0; text-align: center; font-size: 13px; color: var(--text-muted); }
.calc-invite-alt a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
.calc-result.has-result .calc-invite { border-color: rgba(111,166,255,0.5); }
.calc-fine { max-width: 1040px; margin: 18px auto 0; font-size: 12.5px; line-height: 1.6; color: var(--text-faint); }

.calc-verify {
  padding: 40px 36px;
  border-radius: var(--radius);
  border: 1px solid rgba(111,166,255,0.22);
  background: radial-gradient(80% 90% at 50% 0%, rgba(46,111,242,0.12), transparent 70%), var(--card-solid);
}
.calc-verify-head { display: flex; gap: 24px; align-items: center; margin-bottom: 28px; }
.calc-verify-head .ad-broker-photo { flex: none; margin: 0; }
.calc-verify-head .eyebrow { margin-bottom: 10px; }
.calc-verify-head .eyebrow::before { display: none; }
.calc-verify-head h2 { text-align: left; margin-bottom: 8px; }
.calc-verify-head p { margin: 0; }
.calc-verify-grid { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 24px; align-items: start; }
.calc-verify-list { margin: 0; }
.calc-verify-list li { font-size: 14.5px; color: var(--text-content); }
.calc-verify-list strong { color: #fff; font-weight: 600; }
.calc-verify-btn { margin-top: 26px; }
.calc-page .ad-tradeoffs .home-service { height: 100%; }

/* Calculator promo used on the homepage and insurance pages */
.calc-promo {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  max-width: 760px; margin: 28px auto 0; padding: 22px 26px;
  border-radius: var(--radius);
  border: 1px solid rgba(111,166,255,0.3);
  background: linear-gradient(180deg, rgba(46,111,242,0.12), rgba(46,111,242,0.04));
}
.calc-promo-text { margin: 0; text-align: left; }
.calc-promo-text strong { display: block; margin-bottom: 4px; font-family: var(--font-display); font-size: 18px; font-weight: 600; color: #fff; }
.calc-promo-text span { font-size: 14.5px; line-height: 1.55; color: var(--text-muted); }
.calc-promo .btn { flex: none; }

@media (max-width: 900px) {
  .calc { grid-template-columns: 1fr; }
  .calc-result { position: static; }
}
@media (max-width: 760px) {
  .calc-hero { padding-top: calc(104px + env(safe-area-inset-top, 0px)); padding-bottom: 44px; }
  .calc-group, .calc-extra { padding: 20px 18px 4px; }
  .calc-verify { padding: 30px 20px; }
  .calc-verify-head { flex-direction: column; align-items: flex-start; }
  .calc-verify-grid { grid-template-columns: 1fr; }
  .calc-verify-btn { width: 100%; justify-content: center; }
  .calc-promo { flex-direction: column; align-items: stretch; text-align: center; }
  .calc-promo .btn { width: 100%; justify-content: center; }
}

/* 404 page: quick links back into the site */
.service-hero .cta-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.nf-links { padding: 56px 0 8px; }
.nf-links + .nf-links { padding-top: 24px; }
.nf-links:last-child { padding-bottom: 88px; }
.nf-links h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(22px, 3vw, 28px);
  letter-spacing: -0.03em;
  color: #fff;
  margin: 0 0 18px;
}
.nf-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 14px;
}
.nf-grid a {
  display: flex;
  flex-direction: column;
  gap: 6px;
  height: 100%;
  padding: 20px 22px;
  border-radius: 14px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  color: var(--text-content);
  text-decoration: none;
  transition: border-color .2s ease, transform .2s ease;
}
.nf-grid a:hover, .nf-grid a:focus-visible { border-color: var(--card-border-hover); transform: translateY(-2px); }
.nf-grid strong { color: #fff; font-weight: 600; font-size: 17px; }
.nf-grid span { color: var(--text-muted); font-size: 15px; line-height: 1.5; }