/* ==========================================================================
   Elavere Life & Retirement — brand stylesheet
   Palette: Deep Teal #233B44 · Warm Coral #D59678 · Ivory #FAF7F2 · Gray-Blue #B5C4CC
   Type: Figtree (stand-in for Sofia Pro — swap the @font-face at launch)
   ========================================================================== */

:root{
  --teal:#233B44;
  --teal-800:#1A2C33;
  --teal-700:#2E4A55;
  --teal-600:#3D5D69;
  --coral:#D59678;
  --coral-hover:#C9855F;
  --coral-deep:#A85428;      /* AA-safe coral for text on light backgrounds */
  --coral-tint:#F6E7DE;
  --ivory:#FAF7F2;
  --ivory-2:#F3EEE7;
  --gray-blue:#B5C4CC;
  --gray-blue-2:#DDE5E9;
  --ink:#233B44;
  --body:#4C6169;
  --muted:#5A6E76;
  --white:#fff;
  --line:rgba(35,59,68,.12);
  --line-soft:rgba(35,59,68,.07);
  --shadow-sm:0 1px 2px rgba(35,59,68,.06),0 2px 8px rgba(35,59,68,.05);
  --shadow-md:0 4px 12px rgba(35,59,68,.07),0 12px 32px rgba(35,59,68,.07);
  --shadow-lg:0 8px 24px rgba(35,59,68,.09),0 24px 64px rgba(35,59,68,.10);
  --r-sm:10px; --r:14px; --r-lg:20px; --r-xl:28px;
  --maxw:1160px;
  --pad:20px;
  --font:"Figtree","Sofia Pro",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}}
body{
  margin:0;background:var(--ivory);color:var(--body);
  font-family:var(--font);font-size:17px;line-height:1.65;font-weight:400;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--coral-deep);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--teal)}
h1,h2,h3,h4,h5{color:var(--ink);font-weight:700;line-height:1.14;letter-spacing:-.021em;margin:0 0 .5em}
h1{font-size:clamp(2.05rem,6.2vw,3.6rem)}
h2{font-size:clamp(1.65rem,4.4vw,2.6rem)}
h3{font-size:clamp(1.2rem,2.6vw,1.5rem);letter-spacing:-.014em}
h4{font-size:1.06rem;letter-spacing:-.008em}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}
ul,ol{margin:0 0 1.1em;padding-left:1.15em}
li{margin-bottom:.45em}
strong{color:var(--ink);font-weight:600}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--coral-deep);outline-offset:3px;border-radius:4px}
::selection{background:var(--coral);color:var(--teal)}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--pad)}
.wrap-narrow{max-width:760px}
.wrap-mid{max-width:940px}
.section{padding-block:clamp(52px,8vw,96px)}
.section-sm{padding-block:clamp(36px,5.5vw,60px)}
.section--ivory2{background:var(--ivory-2)}
.section--white{background:var(--white)}
.section--teal{background:var(--teal);color:#D6E0E4}
.section--teal h1,.section--teal h2,.section--teal h3,.section--teal h4{color:#fff}
.section--teal a{color:#fff}
.grid{display:grid;gap:22px}
.g-2{grid-template-columns:1fr}
.g-3{grid-template-columns:1fr}
.g-4{grid-template-columns:1fr 1fr}
@media(min-width:640px){.g-2{grid-template-columns:1fr 1fr}.g-3{grid-template-columns:1fr 1fr}}
@media(min-width:900px){.g-3{grid-template-columns:repeat(3,1fr)}.g-4{grid-template-columns:repeat(4,1fr)}}
.center{text-align:center}
.stack-sm>*+*{margin-top:.6rem}

/* ---------- type helpers ---------- */
.eyebrow{
  font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--coral-deep);margin:0 0 .85rem;display:block;
}
.section--teal .eyebrow{color:var(--coral)}
.lede{font-size:clamp(1.06rem,2.1vw,1.24rem);line-height:1.6;color:var(--muted)}
.section--teal .lede{color:#BFCDD3}
.small{font-size:.9rem}
.fineprint{font-size:.79rem;line-height:1.6;color:var(--muted)}
.section--teal .fineprint{color:#9FB2BA}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55em;
  font-family:inherit;font-size:1.02rem;font-weight:700;line-height:1.15;letter-spacing:-.006em;
  padding:16px 26px;min-height:54px;border-radius:999px;border:2px solid transparent;
  cursor:pointer;text-decoration:none;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background-color .18s var(--ease),border-color .18s var(--ease);
  text-align:center;
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn--primary{background:var(--coral);color:var(--teal);box-shadow:0 2px 10px rgba(213,150,120,.4)}
.btn--primary:hover{background:var(--coral-hover);color:var(--teal);box-shadow:0 6px 20px rgba(213,150,120,.5)}
.btn--dark{background:var(--teal);color:#fff}
.btn--dark:hover{background:var(--teal-700);color:#fff}
.btn--ghost{background:transparent;color:var(--teal);border-color:rgba(35,59,68,.22)}
.btn--ghost:hover{background:rgba(35,59,68,.05);color:var(--teal);border-color:rgba(35,59,68,.4)}
.btn--onteal{background:#fff;color:var(--teal)}
.btn--onteal:hover{background:#EDF2F4;color:var(--teal)}
.btn--ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn--ghost-light:hover{background:rgba(255,255,255,.1);color:#fff;border-color:#fff}
.btn--block{display:flex;width:100%}
.btn--sm{min-height:46px;padding:12px 20px;font-size:.94rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}
.btn-row--center{justify-content:center}
@media(max-width:479px){.btn-row .btn{flex:1 1 100%}}

.link-arrow{
  display:inline-flex;align-items:center;gap:.4em;font-weight:600;text-decoration:none;
  color:var(--coral-deep);
}
.link-arrow:hover{color:var(--teal)}
.link-arrow svg{transition:transform .18s var(--ease)}
.link-arrow:hover svg{transform:translateX(3px)}

/* ---------- badges / pills ---------- */
.pill{
  display:inline-flex;align-items:center;gap:.45em;
  background:rgba(35,59,68,.05);border:1px solid var(--line);
  border-radius:999px;padding:7px 14px;font-size:.82rem;font-weight:600;color:var(--teal);
}
.pill--coral{background:var(--coral-tint);border-color:rgba(213,150,120,.45);color:#8A421C}
.section--teal .pill{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.2);color:#E4EBEE}
.pill-row{display:flex;flex-wrap:wrap;gap:9px}
.dot{width:7px;height:7px;border-radius:50%;background:var(--coral);flex:none}

/* ---------- trust strip ---------- */
.trust{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;font-size:.86rem;font-weight:600;color:var(--muted)}
.trust span{display:inline-flex;align-items:center;gap:.45em}
.trust svg{flex:none;color:var(--coral-deep)}

/* ---------- top utility bar ---------- */
.utility{background:var(--teal);color:#C9D6DB;font-size:.8rem}
.utility .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:40px;padding-block:6px}
.utility a{color:#fff;text-decoration:none;font-weight:600}
.utility a:hover{color:var(--coral)}
.utility-note{display:flex;align-items:center;gap:.5em;min-width:0}
.utility-note b{color:#fff;font-weight:600}
.utility-right{display:flex;align-items:center;gap:16px;flex:none}
@media(max-width:719px){.utility-note span.hide-sm{display:none}}

/* language switch */
.lang{display:inline-flex;border:1px solid rgba(255,255,255,.28);border-radius:999px;overflow:hidden}
.lang a{padding:3px 11px;font-size:.75rem;font-weight:700;letter-spacing:.04em;color:#B9C8CE;text-decoration:none}
.lang a[aria-current="true"]{background:var(--coral);color:var(--teal)}
.lang a:hover:not([aria-current="true"]){background:rgba(255,255,255,.12);color:#fff}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(250,247,242,.9);backdrop-filter:blur(14px);border-bottom:1px solid var(--line-soft)}
.site-header.is-stuck{box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;gap:18px;min-height:70px;padding-block:10px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;flex:none}
.logo img.mark{width:38px;height:38px;border-radius:11px}
.logo .lockup{display:flex;flex-direction:column;gap:2px}
.logo .lockup img{width:104px}
.logo .descriptor{font-size:.53rem;font-weight:500;letter-spacing:.22em;text-transform:uppercase;color:#8FA3AC;white-space:nowrap}
.nav{display:none;margin-left:auto;align-items:center;gap:2px}
.nav a{
  padding:9px 13px;border-radius:9px;font-size:.93rem;font-weight:600;color:var(--teal);
  text-decoration:none;white-space:nowrap;transition:background-color .15s
}
.nav a:hover{background:rgba(35,59,68,.06)}
.nav a[aria-current="page"]{color:var(--coral-deep)}
.header-cta{display:none;margin-left:8px}
.header-tel{display:inline-flex;align-items:center;gap:.4em;font-weight:700;color:var(--teal);text-decoration:none;font-size:.95rem}
.header-tel:hover{color:var(--coral-deep)}
@media(min-width:1060px){.nav{display:flex}.header-cta{display:inline-flex}.menu-btn{display:none}}
.header-actions{display:flex;align-items:center;gap:10px;margin-left:auto}
@media(min-width:1060px){.header-actions{margin-left:0}}
.menu-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.45em;
  width:auto;min-height:44px;padding:0 14px;border-radius:10px;border:1px solid var(--line);
  background:#fff;color:var(--teal);font-family:inherit;font-weight:700;font-size:.9rem;cursor:pointer
}
.menu-btn:hover{border-color:rgba(35,59,68,.3)}

/* mobile drawer */
.drawer{
  position:fixed;inset:0;z-index:80;background:var(--ivory);
  transform:translateX(100%);transition:transform .28s var(--ease);
  display:flex;flex-direction:column;overflow-y:auto;visibility:hidden
}
.drawer.open{transform:translateX(0);visibility:visible}
.drawer-top{display:flex;align-items:center;justify-content:space-between;padding:14px var(--pad);border-bottom:1px solid var(--line)}
.drawer-close{background:#fff;border:1px solid var(--line);border-radius:10px;min-height:44px;padding:0 14px;font-family:inherit;font-weight:700;color:var(--teal);cursor:pointer;font-size:.9rem}
.drawer-nav{padding:8px var(--pad) 20px;flex:1}
.drawer-nav a{
  display:flex;align-items:center;justify-content:space-between;gap:10px;
  padding:15px 4px;border-bottom:1px solid var(--line-soft);
  font-size:1.06rem;font-weight:600;color:var(--teal);text-decoration:none
}
.drawer-nav a span.sub{font-size:.8rem;font-weight:500;color:var(--muted)}
.drawer-nav .group-label{font-size:.72rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--coral-deep);padding:22px 4px 6px;display:block}
.drawer-foot{padding:18px var(--pad) 30px;background:var(--ivory-2);border-top:1px solid var(--line);display:grid;gap:10px}

/* ---------- sticky mobile action bar ---------- */
.mobile-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:70;
  display:grid;grid-template-columns:1fr 1fr;gap:10px;
  padding:10px 12px calc(10px + env(safe-area-inset-bottom));
  background:rgba(250,247,242,.94);backdrop-filter:blur(14px);
  border-top:1px solid var(--line);box-shadow:0 -4px 20px rgba(35,59,68,.08)
}
.mobile-bar .btn{min-height:52px;font-size:1rem;padding-inline:12px}
@media(min-width:1060px){.mobile-bar{display:none}}
@media(max-width:1059px){body{padding-bottom:82px}}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:linear-gradient(178deg,#fff 0%,var(--ivory) 46%,var(--ivory-2) 100%)}
.hero::before{
  content:"";position:absolute;top:-220px;right:-180px;width:620px;height:620px;border-radius:50%;
  background:radial-gradient(circle at 35% 35%,rgba(213,150,120,.30),rgba(213,150,120,0) 68%);pointer-events:none
}
.hero::after{
  content:"";position:absolute;bottom:-260px;left:-200px;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle at 60% 40%,rgba(181,196,204,.34),rgba(181,196,204,0) 68%);pointer-events:none
}
.hero-inner{position:relative;z-index:1;padding-block:clamp(38px,6vw,72px) clamp(46px,7vw,84px);display:grid;gap:34px}
@media(min-width:980px){.hero-inner{grid-template-columns:1.02fr .98fr;gap:56px;align-items:center}}
.hero h1{margin-bottom:.42em}
.hero h1 em{font-style:normal;color:var(--coral-deep)}
.hero .lede{max-width:34ch}
/* ---- photography ---- */
.hero-photo,.banner-photo{margin:26px 0 0;border-radius:var(--r-lg);overflow:hidden;background:var(--ivory-2);box-shadow:var(--shadow-md);position:relative}
.hero-photo img,.banner-photo img,.card-media img{width:100%;height:100%;object-fit:cover;display:block}
.hero-photo{aspect-ratio:3/2}
.hero .hero-photo{max-width:540px;margin-top:28px}
.pagehero .hero-photo{max-width:560px;margin:26px 0 8px}
.banner-photo{aspect-ratio:21/9;margin-top:30px}
.pagehero-inner.wrap-narrow .banner-photo{aspect-ratio:16/9}
.card-media{margin:-26px -26px 18px;border-radius:var(--r-lg) var(--r-lg) 0 0;overflow:hidden;aspect-ratio:16/10;background:var(--ivory-2)}
@media(max-width:819px){
  .hero .hero-photo,.pagehero .hero-photo{max-width:none;aspect-ratio:16/10}
  .banner-photo{aspect-ratio:4/3;border-radius:var(--r)}
}
.hero-points{list-style:none;padding:0;margin:22px 0 26px;display:grid;gap:10px}
.hero-points li{display:flex;gap:.6em;align-items:flex-start;font-weight:500;color:var(--body);margin:0}
.hero-points svg{flex:none;margin-top:3px;color:var(--coral-deep)}

/* page hero (interior) */
.pagehero{background:linear-gradient(175deg,#fff,var(--ivory) 70%);border-bottom:1px solid var(--line-soft);position:relative;overflow:hidden}
.pagehero::before{content:"";position:absolute;top:-180px;right:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(213,150,120,.22),transparent 70%)}
.pagehero-inner{position:relative;padding-block:clamp(34px,5vw,58px) clamp(34px,5vw,56px)}
@media(min-width:980px){.pagehero-inner.has-form{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:start}}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--coral-deep);text-decoration:underline}
.breadcrumb span{opacity:.5;margin-inline:.4em}

/* ---------- cards ---------- */
.card{
  background:#fff;border:1px solid var(--line-soft);border-radius:var(--r-lg);padding:26px;
  box-shadow:var(--shadow-sm);transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s
}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);font-size:.97rem}
a.card{text-decoration:none;display:block;color:var(--body)}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:rgba(213,150,120,.5)}
.card-icon{
  width:50px;height:50px;border-radius:15px;background:var(--coral-tint);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:#8A421C
}
.card-foot{margin-top:16px;display:flex;align-items:center;gap:.4em;font-weight:700;font-size:.93rem;color:var(--coral-deep)}
a.card:hover .card-foot{color:var(--teal)}
.card--flat{box-shadow:none;background:transparent;border-color:var(--line)}
.card--tint{background:var(--coral-tint);border-color:rgba(213,150,120,.35);box-shadow:none}

/* numbered steps */
.steps{counter-reset:s;display:grid;gap:24px}
@media(min-width:820px){.steps{grid-template-columns:repeat(3,1fr);gap:30px}}
.step{position:relative;padding-top:8px}
.step-num{
  width:44px;height:44px;border-radius:13px;background:var(--teal);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.05rem;margin-bottom:15px
}
.section--teal .step-num{background:var(--coral);color:var(--teal)}
.step h3{font-size:1.16rem}
.step p{font-size:.97rem;color:var(--muted)}
.section--teal .step p{color:#B4C4CA}

/* stat row */
.stats{display:grid;grid-template-columns:1fr 1fr;gap:24px 16px}
@media(min-width:820px){.stats{grid-template-columns:repeat(4,1fr)}}
.stat b{display:block;font-size:clamp(1.5rem,3.4vw,2rem);font-weight:700;color:var(--ink);line-height:1.1;letter-spacing:-.02em}
.section--teal .stat b{color:#fff}
.stat span{display:block;font-size:.87rem;color:var(--muted);margin-top:5px;font-weight:500}
.section--teal .stat span{color:#A9BCC3}

/* checklist */
.checklist{list-style:none;padding:0;margin:0 0 1.2em;display:grid;gap:12px}
.checklist li{display:flex;gap:.7em;align-items:flex-start;margin:0}
.checklist svg{flex:none;margin-top:4px;color:var(--coral-deep)}
.section--teal .checklist svg{color:var(--coral)}

/* ---------- forms ---------- */
.form-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:26px 22px;
  box-shadow:var(--shadow-lg);position:relative
}
@media(min-width:520px){.form-card{padding:32px 30px}}
.form-card h2,.form-card h3{margin-bottom:.35em}
.form-card .form-sub{font-size:.94rem;color:var(--muted);margin-bottom:20px}
.form-card.is-sticky{position:sticky;top:96px}
.field{margin-bottom:16px}
.field label,.legend{display:block;font-size:.88rem;font-weight:700;color:var(--teal);margin-bottom:7px}
.field .hint{font-size:.79rem;color:var(--muted);font-weight:400;margin-top:5px}
.input,.select,select,textarea{
  width:100%;font-family:inherit;font-size:16px;color:var(--ink);background:#fff;
  border:1.5px solid var(--gray-blue-2);border-radius:var(--r-sm);padding:13px 15px;min-height:52px;
  transition:border-color .15s,box-shadow .15s;appearance:none
}
textarea{min-height:110px;line-height:1.55;resize:vertical}
.input:hover,select:hover,textarea:hover{border-color:var(--gray-blue)}
.input:focus,select:focus,textarea:focus{outline:0;border-color:var(--coral);box-shadow:0 0 0 4px rgba(213,150,120,.22)}
.input::placeholder,textarea::placeholder{color:#9AABB2}
select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9' fill='none'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%235A6E76' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 15px center;padding-right:42px;cursor:pointer
}
.field-row{display:grid;gap:16px}
@media(min-width:480px){.field-row{grid-template-columns:1fr 1fr}}
.input.is-error,select.is-error{border-color:#C0392B;box-shadow:0 0 0 4px rgba(192,57,43,.14)}
.err{display:none;font-size:.8rem;color:#B03024;font-weight:600;margin-top:6px}
.err.show{display:block}

/* option chips (radio cards) */
.options{display:grid;gap:10px;margin:0;padding:0;border:0}
@media(min-width:520px){.options.cols-2{grid-template-columns:1fr 1fr}}
.option{position:relative;margin:0}
.option input{position:absolute;opacity:0;width:1px;height:1px}
.option span{
  display:flex;align-items:center;gap:.65em;min-height:56px;padding:13px 16px;
  border:1.5px solid var(--gray-blue-2);border-radius:var(--r);background:#fff;
  font-weight:600;font-size:.98rem;color:var(--ink);cursor:pointer;transition:all .15s var(--ease);line-height:1.35
}
.option span::before{
  content:"";width:20px;height:20px;border-radius:50%;border:2px solid var(--gray-blue);flex:none;transition:all .15s
}
.option:hover span{border-color:var(--gray-blue)}
.option input:checked+span{border-color:var(--coral);background:#FEF9F6;box-shadow:0 0 0 3px rgba(213,150,120,.18)}
.option input:checked+span::before{border-color:var(--coral);border-width:6px}
.option input:focus-visible+span{outline:3px solid var(--coral-deep);outline-offset:2px}
.option small{display:block;font-weight:500;color:var(--muted);font-size:.82rem}

/* consent checkbox */
.consent{display:flex;gap:.7em;align-items:flex-start;padding:16px;background:var(--ivory);border:1px solid var(--line);border-radius:var(--r);margin-bottom:18px}
.consent input{width:22px;height:22px;flex:none;margin:2px 0 0;accent-color:var(--coral-deep);cursor:pointer}
.consent label{font-size:.79rem;line-height:1.75;color:var(--muted);font-weight:400;margin:0;cursor:pointer}
.consent label a{color:var(--coral-deep)}

/* multi-step */
.steps-bar{display:flex;align-items:center;gap:6px;margin-bottom:22px}
.steps-bar i{flex:1;height:5px;border-radius:99px;background:var(--gray-blue-2);transition:background-color .3s}
.steps-bar i.on{background:var(--coral)}
.step-count{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:10px;display:block}
.fstep{display:none}
.fstep.active{display:block;animation:fade .3s var(--ease)}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.fstep-nav{display:flex;gap:10px;margin-top:20px}
.fstep-nav .btn{flex:1}
.form-success{display:none;text-align:center;padding:14px 0}
.form-success.show{display:block}
.form-success .tick{width:62px;height:62px;border-radius:50%;background:var(--coral-tint);color:#8A421C;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}

/* placeholder / dev note blocks */
.devnote{
  border:2px dashed rgba(213,150,120,.75);background:#FDF6F1;border-radius:var(--r);
  padding:16px 18px;font-size:.85rem;line-height:1.6;color:#7A4520
}
.devnote b{color:#5E3315;display:block;font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:6px}
.devnote code{background:rgba(35,59,68,.07);padding:1px 6px;border-radius:5px;font-size:.92em}

/* disclosure box */
.disclosure{
  background:var(--ivory-2);border:1px solid var(--line);border-left:4px solid var(--gray-blue);
  border-radius:var(--r);padding:20px 22px
}
.disclosure h4{font-size:.79rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:.7em}
.disclosure p,.disclosure li{font-size:.82rem;line-height:1.65;color:var(--muted)}
.section--teal .disclosure{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);border-left-color:var(--coral)}
.section--teal .disclosure p,.section--teal .disclosure li,.section--teal .disclosure h4{color:#A9BCC3}

/* ---------- accordion ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:20px 44px 20px 0;position:relative;
  font-weight:700;font-size:1.03rem;color:var(--ink);line-height:1.4
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:8px;top:50%;width:12px;height:12px;margin-top:-8px;
  border-right:2.5px solid var(--coral-deep);border-bottom:2.5px solid var(--coral-deep);
  transform:rotate(45deg);transition:transform .2s var(--ease)
}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:-3px}
.faq summary:hover{color:var(--coral-deep)}
.faq .faq-body{padding:0 0 22px;color:var(--muted);font-size:.98rem;max-width:70ch}
.section--teal .faq{border-color:rgba(255,255,255,.14)}
.section--teal .faq details{border-color:rgba(255,255,255,.14)}
.section--teal .faq summary{color:#fff}
.section--teal .faq summary::after{border-color:var(--coral)}
.section--teal .faq .faq-body{color:#B4C4CA}

/* ---------- calculator ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:26px 22px;box-shadow:var(--shadow-md)}
@media(min-width:640px){.calc{padding:32px}}
.calc-grid{display:grid;gap:18px}
@media(min-width:760px){.calc-grid{grid-template-columns:1fr 1fr;gap:18px 26px}}
.calc-out{
  margin-top:24px;padding:24px;border-radius:var(--r-lg);background:var(--teal);color:#fff;text-align:center
}
.calc-out span{display:block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:#9FB2BA;margin-bottom:8px}
.calc-out b{display:block;font-size:clamp(2rem,7vw,2.9rem);font-weight:700;letter-spacing:-.02em;line-height:1.05;color:#fff}
.calc-out .calc-note{font-size:.8rem;color:#9FB2BA;margin-top:12px;max-width:46ch;margin-inline:auto}

/* ---------- agent / about ---------- */
.agent{display:grid;gap:26px;align-items:center}
@media(min-width:820px){.agent{grid-template-columns:300px 1fr;gap:44px}}
.agent-photo{
  width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:var(--r-xl);
  background:var(--ivory-2);box-shadow:var(--shadow-md);display:block
}
@media(max-width:819px){.agent-photo{max-width:320px;margin-inline:auto}}

/* testimonial placeholder */
.quote{background:#fff;border:1px solid var(--line-soft);border-radius:var(--r-lg);padding:26px;box-shadow:var(--shadow-sm)}
.quote .mark{font-size:2.6rem;line-height:.6;color:var(--coral);font-weight:700;display:block;margin-bottom:12px}
.quote p{font-size:1rem;color:var(--body);font-style:italic}
.quote .who{margin-top:16px;font-size:.85rem;font-weight:700;color:var(--teal);font-style:normal}

/* carrier strip */
.carriers{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.carrier{
  padding:13px 20px;border:1px solid var(--line);border-radius:var(--r);background:#fff;
  font-weight:700;font-size:.92rem;color:var(--teal);letter-spacing:-.01em
}

/* article */
.article{max-width:72ch}
.article h2{margin-top:2em;font-size:clamp(1.4rem,3.4vw,1.85rem)}
.article h3{margin-top:1.7em}
.article ul,.article ol{margin-bottom:1.3em}
.article-meta{font-size:.85rem;color:var(--muted);margin-bottom:6px;font-weight:600}
.toc{background:var(--ivory-2);border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;margin-bottom:32px}
.toc b{display:block;font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ul{margin:0;padding-left:1.1em}
.toc li{margin-bottom:.35em;font-size:.94rem}

/* legal pages */
.legal{max-width:78ch}
.legal h2{margin-top:2em;font-size:1.3rem}
.legal h3{margin-top:1.5em;font-size:1.06rem}
.legal p,.legal li{font-size:.95rem}

/* ---------- CTA band ---------- */
.ctaband{background:var(--teal);color:#C9D6DB;position:relative;overflow:hidden}
.ctaband::before{content:"";position:absolute;top:-160px;left:-80px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(213,150,120,.30),transparent 68%)}
.ctaband .wrap{position:relative;z-index:1}
.ctaband-bg{position:absolute;inset:0;z-index:0}
.ctaband-bg img{width:100%;height:100%;object-fit:cover;display:block;opacity:0;filter:saturate(.8);transition:opacity .9s ease}
.ctaband-bg img.is-loaded{opacity:.55}
.ctaband-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(35,59,68,.58),rgba(35,59,68,.74) 55%,rgba(35,59,68,.9))}
.ctaband--photo::before{z-index:1}
.ctaband--photo{padding-block:clamp(64px,9vw,112px)}
.ctaband h2{color:#fff;max-width:20ch;margin-inline:auto}
.ctaband .lede{color:#BFCDD3;max-width:52ch;margin:0 auto 26px}

/* ---------- footer ---------- */
.site-footer{background:var(--teal-800);color:#9FB2BA;padding-block:clamp(44px,6vw,64px) 30px;font-size:.9rem}
.footer-top{display:grid;gap:32px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.1)}
@media(min-width:760px){.footer-top{grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}}
.footer-brand .logo img.mark{width:40px;height:40px}
.footer-brand .lockup img{width:112px}
.footer-brand p{margin-top:16px;font-size:.88rem;color:#8DA2AB;max-width:34ch}
.footer-col h4{font-size:.74rem;letter-spacing:.15em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.footer-col ul{list-style:none;padding:0;margin:0}
.footer-col li{margin-bottom:9px}
.footer-col a{color:#9FB2BA;text-decoration:none;font-size:.9rem}
.footer-col a:hover{color:var(--coral)}
.footer-contact a{display:inline-flex;align-items:center;gap:.5em;color:#fff;font-weight:700;text-decoration:none}
.footer-contact a:hover{color:var(--coral)}
.footer-legal{padding-top:26px;display:grid;gap:18px}
.footer-legal p{font-size:.76rem;line-height:1.7;color:#7D949E;margin:0}
.footer-legal strong{color:#B7C7CD;font-weight:600}
.producer-id{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:16px 18px}
.producer-id h4{font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;color:#fff;margin-bottom:8px}
.footer-bottom{display:flex;flex-wrap:wrap;gap:10px 20px;justify-content:space-between;align-items:center;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);margin-top:8px}
.footer-bottom a{color:#7D949E;text-decoration:none;font-size:.78rem}
.footer-bottom a:hover{color:var(--coral)}
.footer-bottom nav{display:flex;flex-wrap:wrap;gap:8px 16px}

.skip{position:absolute;left:-9999px;top:0;background:var(--coral);color:var(--teal);padding:12px 18px;border-radius:0 0 10px 0;font-weight:700;z-index:200}
.skip:focus{left:0}

.reveal{opacity:0;transform:translateY(14px)}
.reveal.in{opacity:1;transform:none;transition:opacity .6s var(--ease),transform .6s var(--ease)}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* ---------- nav dropdown ---------- */
.has-drop{position:relative}
.has-drop>button{
  display:inline-flex;align-items:center;gap:.35em;background:none;border:0;cursor:pointer;
  font-family:inherit;font-size:.93rem;font-weight:600;color:var(--teal);padding:9px 13px;border-radius:9px
}
.has-drop>button:hover{background:rgba(35,59,68,.06)}
.has-drop>button svg{transition:transform .18s var(--ease)}
.has-drop:hover>button svg,.has-drop:focus-within>button svg{transform:rotate(180deg)}
.drop{
  position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(-6px);
  width:340px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);padding:10px;opacity:0;visibility:hidden;transition:all .18s var(--ease)
}
.has-drop:hover .drop,.has-drop:focus-within .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:block;padding:11px 13px;border-radius:11px;text-decoration:none}
.drop a:hover{background:var(--ivory-2)}
.drop b{display:block;font-size:.95rem;font-weight:700;color:var(--teal);margin-bottom:2px}
.drop span{display:block;font-size:.81rem;color:var(--muted);line-height:1.45}

/* ---------- responsive corrections (must stay last) ---------- */
@media (min-width:1060px){
  .menu-btn{display:none}
  .nav{display:flex}
  .header-cta{display:inline-flex}
}
@media (max-width:719px){
  .hide-sm{display:none!important}
  .utility{font-size:.76rem}
  .utility .wrap{min-height:36px;gap:10px}
  .utility-note{gap:.4em}
  .header-inner{min-height:62px;gap:10px}
  .logo img.mark{width:34px;height:34px;border-radius:10px}
  .logo .lockup img{width:92px}
  .logo .descriptor{font-size:.47rem;letter-spacing:.2em}
  .header-tel{padding:9px;border-radius:10px;background:rgba(35,59,68,.05)}
  .menu-btn{padding:0 12px}
  .hero-inner{padding-block:24px 34px;gap:26px}
  .hero .pill-row{gap:7px}
  .hero .pill{font-size:.75rem;padding:5px 11px}
  .hero h1{font-size:clamp(1.95rem,8.4vw,2.5rem)}
  .hero .lede{font-size:1.02rem;max-width:none}
  .hero-points{margin:18px 0 22px}
  .hero-points li{font-size:.96rem}
  .form-card{padding:22px 18px;border-radius:22px}
  .pagehero-inner{padding-block:22px 30px}
}
/* reveal only when JS is running, and never leave content hidden */
.reveal{opacity:1;transform:none}
.js .reveal{opacity:0;transform:translateY(14px)}
.js .reveal.in{opacity:1;transform:none;transition:opacity .55s var(--ease),transform .55s var(--ease)}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none}}

/* hero three-block layout: copy → form → extra on mobile, 2-col on desktop */
@media (min-width:980px){
  .hero-inner{
    grid-template-columns:1.02fr .98fr;
    grid-template-areas:"copy form" "extra form";
    align-items:start;row-gap:26px
  }
  .hero-copy{grid-area:copy}
  .hero-extra{grid-area:extra}
  .hero-form{grid-area:form;align-self:center}
}
.calc-teaser{display:grid;gap:22px;padding:30px 26px;align-items:center}
@media(min-width:820px){.calc-teaser{grid-template-columns:1.6fr .8fr;gap:36px;padding:38px}}
.calc-teaser-cta{min-width:220px}
/* compact utility bar text on small screens */
.utility .u-long{display:inline}
.utility .u-short{display:none}
@media (max-width:719px){
  .utility .u-long{display:none}
  .utility .u-short{display:inline}
  .utility .u-tel{display:none}
}

/* Get Started: form first on mobile, side-by-side on desktop */
@media (max-width:979px){
  .pagehero-inner.has-form{display:flex;flex-direction:column;gap:26px}
  .gs-form{order:-1}
}

/* semantic heading classes styled like their visual level */
.fcol-title{font-size:.74rem;letter-spacing:.15em;text-transform:uppercase;color:#fff;margin:0 0 14px;font-weight:700}
.producer-id .fcol-title{font-size:.7rem;margin-bottom:8px}
.card-title{font-size:clamp(1.2rem,2.6vw,1.5rem);letter-spacing:-.014em;margin:0 0 .4em}
.disclosure h3{font-size:.79rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:.7em;font-weight:700}
.section--teal .disclosure h3{color:#A9BCC3}

/* touch targets: list-style links get real height (inline prose links exempt) */
.footer-col li{margin-bottom:2px}
.footer-col a{display:inline-block;padding:6px 0;min-height:26px}
.footer-bottom nav a{display:inline-block;padding:5px 0;min-height:26px}
.footer-contact a{padding:4px 0}
.breadcrumb{line-height:2}
.breadcrumb a{display:inline-block;padding:4px 0}
.consent input{width:24px;height:24px}

/* pre-launch notes inside legal pages — must be removed before publishing */
.legal mark.todo{
  background:#FDF0E6;color:#7A4520;border:1px dashed rgba(213,150,120,.85);
  border-radius:6px;padding:2px 7px;font-size:.93em;
  box-decoration-break:clone;-webkit-box-decoration-break:clone
}