/* =================================================================
   ARCH Risk Advisors — Design System
   Refined navy + gold · serif display · architectural
   ================================================================= */

:root {
  /* Brand — derived from the ARA logo (blue #1874BD, gray #565656, silver #D2D3D5) */
  --navy-900: #061f38;   /* deepest blue — dark section base */
  --navy-800: #0c3a63;   /* primary dark brand blue */
  --navy-700: #114e84;
  --navy-600: #1763a8;
  --navy-500: #1874bd;   /* logo blue */

  /* Accent scale (brand blue family). Names kept for compatibility across components. */
  --gold:       #1874bd;  /* logo blue — primary accent/fill on light */
  --gold-light: #8cc1ea;  /* light blue — accent on dark backgrounds */
  --gold-dark:  #115a92;  /* deep blue — accent text on light / hover */

  --silver: #d2d3d5;
  --cream: #f4f7fa;
  --paper: #ffffff;
  --ink:   #3a3f45;       /* logo gray family — body/headings */
  --muted: #5d6671;
  --muted-light: #93a0ad;
  --line:  #e4e9ef;
  --line-dark: rgba(255,255,255,.12);

  /* Type */
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans:  "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Layout */
  --container: 1200px;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow-sm: 0 2px 10px rgba(8,20,41,.06);
  --shadow:    0 18px 50px -20px rgba(8,20,41,.28);
  --shadow-lg: 0 40px 90px -30px rgba(8,20,41,.45);
  --ease: cubic-bezier(.2,.7,.2,1);
}

/* ---------- Reset / Base ---------- */
*,*::before,*::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; padding: 0; }
button { font-family: inherit; cursor: pointer; }

h1,h2,h3,h4 { font-family: var(--serif); font-weight: 600; line-height: 1.12; letter-spacing: -.01em; color: var(--navy-800); }
h1 { font-size: clamp(2.4rem, 5.2vw, 4.2rem); }
h2 { font-size: clamp(2rem, 3.8vw, 3rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.6rem); }
p { color: var(--muted); }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 24px; }
.section { padding: clamp(64px, 9vw, 130px) 0; }
.section--tight { padding: clamp(48px, 6vw, 80px) 0; }
.center { text-align: center; }
.lead { font-size: 1.18rem; color: var(--muted); }
.narrow { max-width: 720px; }
.mx-auto { margin-inline: auto; }

.bg-navy   { background: var(--navy-800); color: #fff; }
.bg-navy h1,.bg-navy h2,.bg-navy h3,.bg-navy h4 { color: #fff; }
.bg-navy p { color: rgba(255,255,255,.74); }
.bg-cream  { background: var(--cream); }
.bg-deep   { background: linear-gradient(165deg, var(--navy-900), var(--navy-800) 55%, var(--navy-700)); color:#fff; }
.bg-deep h1,.bg-deep h2,.bg-deep h3 { color:#fff; }
.bg-deep p { color: rgba(255,255,255,.72); }

/* ---------- Eyebrow / kicker ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans); font-size: .8rem; font-weight: 600;
  letter-spacing: .18em; text-transform: uppercase; color: var(--gold-dark);
  margin-bottom: 18px;
}
.eyebrow::before { content:""; width: 28px; height: 1.5px; background: var(--gold); display:inline-block; }
.bg-navy .eyebrow, .bg-deep .eyebrow { color: var(--gold-light); }
.eyebrow--center { justify-content: center; }

.section-head { max-width: 760px; margin: 0 auto 56px; text-align: center; }
.section-head p { margin-top: 16px; font-size: 1.1rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 600; font-size: .98rem; letter-spacing: .01em;
  padding: 15px 30px; border-radius: 50px; border: 1.5px solid transparent;
  transition: all .3s var(--ease); white-space: nowrap;
}
.btn svg { width: 17px; height: 17px; transition: transform .3s var(--ease); }
.btn:hover svg { transform: translateX(4px); }
.btn--gold { background: var(--gold); color: #fff; }
.btn--gold:hover { background: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 14px 30px -10px rgba(24,116,189,.55); }
.btn--navy { background: var(--navy-800); color: #fff; }
.btn--navy:hover { background: var(--navy-700); transform: translateY(-2px); box-shadow: var(--shadow); }
.btn--white { background: #fff; color: var(--navy-800); }
.btn--white:hover { background: var(--cream); color: var(--navy-700); transform: translateY(-2px); box-shadow: var(--shadow); }
.btn--outline { border-color: rgba(255,255,255,.35); color: #fff; }
.btn--outline:hover { border-color: var(--gold); color: var(--gold-light); }
.btn--outline-dark { border-color: var(--navy-800); color: var(--navy-800); }
.btn--outline-dark:hover { background: var(--navy-800); color:#fff; }
.btn--lg { padding: 18px 38px; font-size: 1.05rem; }

/* =================================================================
   Header / Nav
   ================================================================= */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 100;
  padding: 18px 0; transition: all .35s var(--ease);
}
.site-header.scrolled {
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 var(--line), 0 6px 24px -16px rgba(8,20,41,.35);
  padding: 12px 0;
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; }
.brand__logo { height: 46px; width: auto; display: block; transition: height .35s var(--ease); }
.scrolled .brand__logo { height: 40px; }
/* logo swaps: white version over the dark hero, full-color on the white scrolled header */
.brand__logo--on-light { display: none; }
.scrolled .brand__logo--on-dark { display: none; }
.scrolled .brand__logo--on-light { display: block; }

.nav__links { display: flex; align-items: center; gap: 3px; }
.nav__links a {
  font-size: .88rem; font-weight: 500; color: rgba(255,255,255,.85);
  padding: 9px 10px; border-radius: 8px; transition: all .25s var(--ease);
  position: relative; white-space: nowrap;
}
.nav__links a:hover { color: #fff; }
.nav__links a.active { color: var(--gold-light); }
.scrolled .nav__links a { color: var(--muted); }
.scrolled .nav__links a:hover { color: var(--navy-800); }
.scrolled .nav__links a.active { color: var(--gold-dark); }
.nav__cta { margin-left: 8px; }
.nav__toggle { display: none; background: none; border: 0; padding: 8px; }
.nav__toggle span { display:block; width: 26px; height: 2px; background: #fff; margin: 5px 0; transition: all .3s var(--ease); }
.scrolled .nav__toggle span { background: var(--navy-800); }

/* ---- Nav dropdown (Industries) ---- */
.nav__dropdown { position: relative; }
.nav__dropbtn {
  display: inline-flex; align-items: center; gap: 5px; font-family: inherit;
  font-size: .88rem; font-weight: 500; color: rgba(255,255,255,.85);
  background: none; border: 0; cursor: pointer; padding: 9px 10px;
  border-radius: 8px; white-space: nowrap; transition: color .25s var(--ease);
}
.nav__dropbtn:hover, .nav__dropdown:hover .nav__dropbtn { color: #fff; }
.nav__dropbtn.active { color: var(--gold-light); }
.scrolled .nav__dropbtn { color: var(--muted); }
.scrolled .nav__dropbtn:hover, .scrolled .nav__dropdown:hover .nav__dropbtn { color: var(--navy-800); }
.scrolled .nav__dropbtn.active { color: var(--gold-dark); }
.nav__caret { width: 12px; height: 12px; transition: transform .25s var(--ease); }
.nav__menu {
  position: absolute; top: calc(100% + 12px); left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 248px; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: var(--shadow); padding: 8px;
  display: flex; flex-direction: column; gap: 2px; z-index: 101;
  opacity: 0; visibility: hidden;
  transition: opacity .22s var(--ease), transform .22s var(--ease);
}
.nav__menu::before { content: ""; position: absolute; top: -12px; left: 0; right: 0; height: 12px; }
.nav__dropdown:hover .nav__menu,
.nav__dropdown:focus-within .nav__menu,
.nav__dropdown.open .nav__menu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav__dropdown:hover .nav__caret, .nav__dropdown.open .nav__caret { transform: rotate(180deg); }
.nav__menu a {
  color: var(--ink) !important; font-size: .9rem; font-weight: 500;
  padding: 9px 14px; border-radius: 8px; white-space: nowrap; transition: all .18s var(--ease);
}
.nav__menu a:hover { background: var(--cream); color: var(--navy-800) !important; }
/* nested submenu (Industries flyout) */
.nav__sub { position: relative; }
.nav__subbtn {
  display: flex; align-items: center; justify-content: space-between; gap: 8px;
  width: 100%; background: none; border: 0; font-family: inherit; text-align: left;
  color: var(--ink); font-size: .9rem; font-weight: 500;
  padding: 9px 14px; border-radius: 8px; white-space: nowrap; cursor: pointer;
  transition: all .18s var(--ease);
}
.nav__subbtn:hover, .nav__sub:hover .nav__subbtn { background: var(--cream); color: var(--navy-800); }
.nav__caret--right { transform: rotate(-90deg); }
.nav__submenu {
  position: absolute; top: -9px; left: calc(100% + 7px);
  min-width: 232px; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: var(--shadow); padding: 8px;
  display: flex; flex-direction: column; gap: 2px; z-index: 102;
  opacity: 0; visibility: hidden; transform: translateX(8px);
  transition: opacity .2s var(--ease), transform .2s var(--ease);
}
.nav__submenu::before { content: ""; position: absolute; top: 0; left: -10px; width: 10px; height: 100%; }
.nav__sub:hover .nav__submenu, .nav__sub:focus-within .nav__submenu { opacity: 1; visibility: visible; transform: translateX(0); }
.nav__submenu a {
  color: var(--ink) !important; font-size: .9rem; font-weight: 500;
  padding: 9px 14px; border-radius: 8px; white-space: nowrap; transition: all .18s var(--ease);
}
.nav__submenu a:hover { background: var(--cream); color: var(--navy-800) !important; }

/* =================================================================
   Hero
   ================================================================= */
.hero {
  position: relative; min-height: 92vh; display: flex; align-items: center;
  color: #fff; overflow: hidden; padding: 140px 0 90px;
}
.hero__bg { position: absolute; inset: 0; z-index: -2; }
.hero__bg img { width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content:""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(100deg, rgba(8,20,41,.93) 0%, rgba(8,20,41,.78) 42%, rgba(14,33,71,.45) 100%),
    linear-gradient(0deg, rgba(8,20,41,.85), rgba(8,20,41,0) 45%);
}
.hero__inner { max-width: 760px; }
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero h1 .accent { color: var(--gold-light); font-style: italic; }
.hero p { color: rgba(255,255,255,.82); font-size: 1.22rem; max-width: 560px; margin-bottom: 38px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 16px; }
.hero__scroll {
  position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%);
  font-size: .72rem; letter-spacing: .25em; text-transform: uppercase;
  color: rgba(255,255,255,.6); display: flex; flex-direction: column; align-items: center; gap: 10px;
}
.hero__scroll::after { content:""; width: 1px; height: 40px; background: linear-gradient(rgba(255,255,255,.6), transparent); animation: scrollPulse 2s var(--ease) infinite; }
@keyframes scrollPulse { 0%,100%{opacity:.3; transform: scaleY(.6);} 50%{opacity:1; transform: scaleY(1);} }

/* page hero (sub-pages) */
.page-hero {
  position: relative; padding: 190px 0 110px; color: #fff; overflow: hidden; text-align: center;
}
.page-hero__bg { position: absolute; inset: 0; z-index: -2; }
.page-hero__bg img { width: 100%; height: 100%; object-fit: cover; }
.page-hero::after { content:""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(8,20,41,.86), rgba(14,33,71,.82)); }
.page-hero h1 { color: #fff; }
.page-hero p { color: rgba(255,255,255,.8); max-width: 600px; margin: 18px auto 0; font-size: 1.18rem; }
.breadcrumb { font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 18px; }

/* =================================================================
   Industries marquee
   ================================================================= */
.industries-band { padding: clamp(46px,6vw,68px) 0; border-top: 1px solid var(--line-dark); }
.industries-marquee {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
}
.industries-track { display: flex; width: max-content; animation: industries-scroll 42s linear infinite; }
.industries-marquee:hover .industries-track { animation-play-state: paused; }
.industries-group { display: flex; }
.industry { display: flex; align-items: center; gap: 14px; padding: 0 32px; white-space: nowrap; }
.industry__icon {
  width: 48px; height: 48px; flex: none;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%; color: var(--gold-light);
  background: rgba(255,255,255,.06); border: 1px solid var(--line-dark);
  transition: background .25s var(--ease), border-color .25s var(--ease), color .25s var(--ease);
}
.industry__icon svg { width: 24px; height: 24px; }
.industry__name { font-size: 1.02rem; font-weight: 500; letter-spacing: .01em; color: rgba(255,255,255,.86); transition: color .25s var(--ease); }
a.industry:hover .industry__icon { background: rgba(140,193,234,.18); border-color: var(--gold-light); color: #fff; }
a.industry:hover .industry__name { color: #fff; }

/* Cross-links between industry pages */
.industry-links { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 26px; margin-top: 22px; }
.industry-links a { color: var(--gold-dark); font-weight: 600; font-size: .98rem; transition: color .2s var(--ease); }
.industry-links a:hover { color: var(--navy-700); text-decoration: underline; }

@keyframes industries-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

@media (prefers-reduced-motion: reduce) {
  .industries-marquee { -webkit-mask-image: none; mask-image: none; }
  .industries-track { animation: none; width: 100%; flex-wrap: wrap; justify-content: center; gap: 26px 8px; }
  .industries-group--dup { display: none; }
}

/* =================================================================
   Feature / Cards
   ================================================================= */
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2,1fr); }
.grid-3 { grid-template-columns: repeat(3,1fr); }
.grid-4 { grid-template-columns: repeat(4,1fr); }

.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 38px 34px; transition: all .35s var(--ease); position: relative; overflow: hidden;
}
.card::before {
  content:""; position: absolute; top:0; left:0; width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: transform .4s var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card__icon {
  width: 56px; height: 56px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-600)); color: var(--gold-light);
  margin-bottom: 22px;
}
.card__icon svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: 12px; }
.card p { font-size: .98rem; }
.card__link { display:inline-flex; align-items:center; gap:8px; margin-top: 18px; font-weight:600; font-size:.92rem; color: var(--navy-700); }
.card__link svg { width: 15px; height: 15px; transition: transform .3s var(--ease); }
.card:hover .card__link { color: var(--gold-dark); }
.card:hover .card__link svg { transform: translateX(4px); }

/* card on dark */
.bg-navy .card, .bg-deep .card { background: rgba(255,255,255,.04); border-color: rgba(255,255,255,.1); }
.bg-navy .card h3, .bg-deep .card h3 { color: #fff; }
.bg-navy .card p, .bg-deep .card p { color: rgba(255,255,255,.7); }
.bg-navy .card:hover, .bg-deep .card:hover { background: rgba(255,255,255,.07); }

/* =================================================================
   Split / Media rows
   ================================================================= */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px,6vw,80px); align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media { position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.split__media img { width: 100%; height: 100%; min-height: 360px; object-fit: cover; }
.split__media--framed { padding: 14px; background: linear-gradient(145deg, var(--navy-800), var(--navy-700)); }
.split__media--framed img { border-radius: 8px; }
.media-badge {
  position: absolute; left: 28px; bottom: 28px; background: rgba(8,20,41,.85);
  backdrop-filter: blur(6px); border: 1px solid rgba(255,255,255,.15);
  color: #fff; padding: 16px 22px; border-radius: 12px; max-width: 260px;
}
.media-badge strong { font-family: var(--serif); font-size: 1.6rem; color: var(--gold-light); display:block; }
.media-badge span { font-size: .85rem; color: rgba(255,255,255,.75); }

/* checklist */
.checklist { display: grid; gap: 16px; margin: 28px 0; }
.checklist li { display: flex; gap: 14px; align-items: flex-start; font-size: 1.02rem; }
.checklist .tick {
  flex: none; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(201,162,39,.15); color: var(--gold-dark); margin-top: 2px;
}
.bg-navy .checklist .tick, .bg-deep .checklist .tick { background: rgba(201,162,39,.2); color: var(--gold-light); }
.checklist .tick svg { width: 14px; height: 14px; }
.checklist li strong { color: var(--ink); }
.bg-navy .checklist li, .bg-deep .checklist li { color: rgba(255,255,255,.85); }
.bg-navy .checklist li strong, .bg-deep .checklist li strong { color: #fff; }

/* =================================================================
   Service detail rows (alternating)
   ================================================================= */
.srow { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px,5vw,70px); align-items: center; padding: clamp(40px,5vw,64px) 0; }
.srow + .srow { border-top: 1px solid var(--line); }
.srow:nth-child(even) .srow__media { order: 2; }
.srow__media { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4/3; }
.srow__media img { width:100%; height:100%; object-fit: cover; }
.srow__num { font-family: var(--serif); font-size: 1rem; color: var(--gold-dark); font-weight:600; letter-spacing:.1em; }
.srow h3 { margin: 8px 0 14px; }

/* =================================================================
   Process steps
   ================================================================= */
.steps { display: grid; gap: 0; max-width: 880px; margin: 0 auto; }
.step {
  display: grid; grid-template-columns: 90px 1fr; gap: 30px; padding: 34px 0;
  position: relative;
}
.step + .step { border-top: 1px solid rgba(255,255,255,.1); }
.step__num {
  font-family: var(--serif); font-size: 2.4rem; font-weight: 600; color: var(--gold);
  line-height: 1; position: relative;
}
.step__num span { font-size: .7rem; letter-spacing: .2em; display:block; color: rgba(255,255,255,.4); margin-top: 8px; text-transform: uppercase; }
.step h3 { color: #fff; margin-bottom: 8px; }
.step p { color: rgba(255,255,255,.7); margin: 0; }
.step__keystone { color: var(--gold-light); font-size:.72rem; letter-spacing:.2em; text-transform: uppercase; font-weight:600; margin-bottom: 6px; }

/* ---- Arch-shaped process diagram (SVG) ---- */
.arch-diagram { max-width: 920px; margin: 0 auto clamp(44px,6vw,76px); }
.arch-svg { width: 100%; height: auto; overflow: visible; display: block; }
.arch-track { fill: none; stroke: rgba(255,255,255,.12); stroke-width: 7; stroke-linecap: round; }
.arch-path  { fill: none; stroke: url(#archStroke); stroke-width: 4; stroke-linecap: round;
  stroke-dasharray: 1180; stroke-dashoffset: 1180; }
.arch-diagram.in .arch-path { animation: archDraw 2.1s var(--ease) .15s forwards; }
@keyframes archDraw { to { stroke-dashoffset: 0; } }
.arch-tick { stroke: rgba(255,255,255,.2); stroke-width: 2.5; stroke-linecap: round; }
.node-ring { fill: var(--navy-900); stroke: var(--gold-light); stroke-width: 2.5; }
.node-block { fill: url(#keyFill); stroke: #fff; stroke-width: 2.5; }
.node-num  { fill: var(--gold-light); font-family: var(--serif); font-weight: 600; font-size: 30px; }
.is-key .node-num { fill: #fff; }
.arch-label   { fill: rgba(255,255,255,.92); font-family: var(--sans); font-weight: 600; font-size: 18px; }
.arch-eyebrow { fill: var(--gold-light); font-family: var(--sans); font-weight: 700; font-size: 12px; letter-spacing: 3px; }
.arch-node { opacity: 0; transform-box: fill-box; transform-origin: center; }
.arch-diagram.in .arch-node { animation: archPop .55s var(--ease) forwards; }
/* assemble from the two bases up, keystone set last */
.arch-diagram.in .arch-node:nth-of-type(1){ animation-delay:.35s; }
.arch-diagram.in .arch-node:nth-of-type(5){ animation-delay:.55s; }
.arch-diagram.in .arch-node:nth-of-type(2){ animation-delay:.85s; }
.arch-diagram.in .arch-node:nth-of-type(4){ animation-delay:1.05s; }
.arch-diagram.in .arch-node:nth-of-type(3){ animation-delay:1.4s; }
@keyframes archPop { from { opacity:0; transform: scale(.78); } to { opacity:1; transform:none; } }

/* voussoir (arch piece) blocks */
.arch-ground { stroke: rgba(255,255,255,.13); stroke-width: 2; stroke-linecap: round; }
.vou { fill: url(#vouFill); stroke: rgba(140,193,234,.4); stroke-width: 1.5; }
.vou-key { fill: url(#keyFill); stroke: #fff; stroke-width: 2; filter: drop-shadow(0 6px 18px rgba(44,127,189,.55)); }
@media (prefers-reduced-motion: reduce){ .arch-path{ stroke-dashoffset:0; } .arch-node{ opacity:1; animation:none; } }
@media (max-width: 720px){ .arch-diagram{ display:none; } }

/* =================================================================
   Comparison
   ================================================================= */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 980px; margin: 0 auto; }
.compare__col { border-radius: var(--radius); padding: 40px 34px; }
.compare__col--bad { background: var(--cream); border: 1px solid var(--line); }
.compare__col--good { background: linear-gradient(160deg, var(--navy-800), var(--navy-700)); color: #fff; box-shadow: var(--shadow-lg); }
.compare__col h3 { margin-bottom: 24px; }
.compare__col--good h3 { color: #fff; }
.compare__col--good h3 .check { color: var(--gold-light); }
.compare__col--bad h3 { color: var(--muted); }
.compare__list li { display:flex; gap: 12px; align-items:flex-start; padding: 11px 0; font-size: .98rem; }
.compare__col--bad li { color: var(--muted); border-bottom: 1px solid var(--line); }
.compare__col--good li { color: rgba(255,255,255,.88); border-bottom: 1px solid rgba(255,255,255,.1); }
.compare__list li:last-child { border-bottom: 0; }
.compare__list .ico { flex:none; width:20px; height:20px; margin-top:2px; }
.compare__col--bad .ico { color: #c0392b88; }
.compare__col--good .ico { color: var(--gold-light); }

/* =================================================================
   CTA band
   ================================================================= */
.cta-band { position: relative; overflow: hidden; }
.cta-band__inner {
  background: linear-gradient(150deg, var(--navy-800), var(--navy-600) 55%, var(--navy-500));
  border-radius: 22px; padding: clamp(40px,5vw,64px); display: flex; flex-wrap: wrap;
  align-items: center; justify-content: space-between; gap: 30px; position: relative; overflow: hidden;
}
.cta-band__inner h2 { color: #fff; }
.cta-band__inner p { color: rgba(255,255,255,.85); margin-top: 8px; max-width: 520px; }
.cta-band__deco { position:absolute; right:-40px; top:-40px; width: 240px; height: 240px; opacity:.15; }

/* dark cta */
.cta-dark { text-align: center; }
.cta-dark h2 { color: #fff; }
.cta-dark p { max-width: 560px; margin: 16px auto 32px; }

/* =================================================================
   Forms
   ================================================================= */
.form-card { background: #fff; border-radius: var(--radius); padding: clamp(30px,4vw,48px); box-shadow: var(--shadow-lg); }
.bg-deep .form-card, .bg-navy .form-card { color: var(--ink); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: .82rem; font-weight: 600; color: var(--ink); letter-spacing: .02em; }
.field input, .field select, .field textarea {
  font-family: inherit; font-size: 1rem; color: var(--ink);
  padding: 13px 16px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  background: var(--cream); transition: all .25s var(--ease); width: 100%;
}
.field textarea { resize: vertical; min-height: 120px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold); background: #fff; box-shadow: 0 0 0 4px rgba(201,162,39,.12);
}
.form-note { font-size: .85rem; color: var(--muted); margin-top: 6px; }
.form-success {
  display: none; background: rgba(46,160,87,.1); border: 1px solid rgba(46,160,87,.3);
  color: #1d7a3a; padding: 16px 20px; border-radius: var(--radius-sm); margin-bottom: 20px; font-weight: 500;
}
.form-success.show { display: block; }
.form-error {
  display: none; background: rgba(192,57,43,.1); border: 1px solid rgba(192,57,43,.32);
  color: #b23a2c; padding: 16px 20px; border-radius: var(--radius-sm); margin-bottom: 20px; font-weight: 500;
}
.form-error.show { display: block; }
.form-error a { color: #b23a2c; text-decoration: underline; }
/* honeypot — hidden from real users, catches bots */
.hp { position: absolute !important; left: -9999px !important; top: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.btn[disabled] { opacity: .65; cursor: progress; transform: none; }

/* contact methods */
.contact-methods { display: grid; gap: 22px; }
.cmethod { display: flex; gap: 18px; align-items: flex-start; }
.cmethod__icon { flex:none; width: 52px; height: 52px; border-radius: 12px; display:grid; place-items:center;
  background: rgba(201,162,39,.15); color: var(--gold-light); }
.cmethod__icon svg { width: 24px; height: 24px; }
.cmethod h4 { color: #fff; font-family: var(--sans); font-size: .8rem; letter-spacing: .15em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 4px; }
.cmethod a, .cmethod p { color: rgba(255,255,255,.9); font-size: 1.08rem; }
.cmethod a:hover { color: var(--gold-light); }

/* =================================================================
   Footer
   ================================================================= */
.footer { background: var(--navy-900); color: rgba(255,255,255,.7); padding: 80px 0 30px; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1.2fr 1fr; gap: 40px; }
.footer__grid > div { min-width: 0; }
.footer__links a, .footer__contact a, .footer__contact span { overflow-wrap: anywhere; }
.footer__brand .brand__logo { height: 52px; }
.footer p { font-size: .95rem; color: rgba(255,255,255,.6); margin-top: 18px; max-width: 320px; }
.footer h5 { font-family: var(--sans); font-size: .8rem; letter-spacing: .15em; text-transform: uppercase; color: #fff; margin-bottom: 20px; }
.footer__links li { margin-bottom: 12px; }
.footer__links a { font-size: .96rem; color: rgba(255,255,255,.68); transition: color .25s, padding .25s; }
.footer__links a:hover { color: var(--gold-light); padding-left: 5px; }
.footer__contact li { display:flex; gap: 12px; margin-bottom: 16px; font-size: .96rem; align-items:flex-start; }
.footer__contact svg { width: 18px; height: 18px; color: var(--gold); flex:none; margin-top: 3px; }
.footer__contact a:hover { color: var(--gold-light); }
.socials { display: flex; gap: 12px; margin-top: 20px; }
.socials a { width: 40px; height: 40px; border-radius: 50%; display:grid; place-items:center;
  background: rgba(255,255,255,.08); color: #fff; transition: all .3s var(--ease); }
.socials a:hover { background: var(--gold); color: var(--navy-900); transform: translateY(-3px); }
.socials svg { width: 18px; height: 18px; }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 56px; padding-top: 26px;
  display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; font-size: .85rem; color: rgba(255,255,255,.5); }
.footer__bottom a:hover { color: var(--gold-light); }

/* =================================================================
   Misc components
   ================================================================= */
.pill { display:inline-flex; align-items:center; gap:8px; background: rgba(201,162,39,.12); color: var(--gold-dark);
  padding: 7px 16px; border-radius: 50px; font-size: .82rem; font-weight: 600; letter-spacing:.04em; }
.bg-deep .pill, .bg-navy .pill { background: rgba(201,162,39,.18); color: var(--gold-light); }

.value-item { display:flex; gap:16px; align-items:flex-start; }
.value-item__icon { flex:none; width:48px;height:48px;border-radius:10px;display:grid;place-items:center;
  background: rgba(201,162,39,.16); color: var(--gold-light); }
.value-item__icon svg { width:22px;height:22px; }
.value-item h4 { color:#fff; font-family: var(--serif); margin-bottom: 4px; }
.value-item p { margin:0; font-size:.95rem; }

.quote {
  font-family: var(--serif); font-size: clamp(1.5rem,2.8vw,2.2rem); line-height: 1.4; color: var(--navy-800);
  max-width: 880px; margin: 0 auto; text-align:center; font-style: italic;
}
.quote .accent { color: var(--gold-dark); }
.bg-navy .quote, .bg-deep .quote { color:#fff; }

.divider-mark { display:flex; align-items:center; justify-content:center; gap: 14px; margin: 22px auto; }
.divider-mark::before, .divider-mark::after { content:""; height:1px; width:50px; background: var(--gold); opacity:.5; }
.divider-mark svg { width: 26px; height: 26px; color: var(--gold); }

/* =================================================================
   Scroll reveal
   ================================================================= */
[data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
[data-reveal].in { opacity: 1; transform: none; }
[data-reveal-delay="1"] { transition-delay: .08s; }
[data-reveal-delay="2"] { transition-delay: .16s; }
[data-reveal-delay="3"] { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* =================================================================
   Responsive
   ================================================================= */
@media (max-width: 960px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 1100px) {
  .nav__links {
    position: fixed; inset: 0 0 0 auto; width: min(82vw, 340px);
    background: var(--navy-800); flex-direction: column; align-items: stretch;
    padding: 100px 28px 40px; gap: 4px; transform: translateX(100%);
    transition: transform .4s var(--ease); box-shadow: var(--shadow-lg); z-index: 99;
  }
  .nav__links.open { transform: none; }
  .nav__links a { color: rgba(255,255,255,.85) !important; padding: 14px 16px; font-size: 1.05rem; border-bottom: 1px solid rgba(255,255,255,.08); }
  /* dropdown becomes an inline accordion in the mobile panel */
  .nav__dropdown { width: 100%; }
  .nav__dropbtn {
    width: 100%; justify-content: space-between; color: rgba(255,255,255,.85) !important;
    padding: 14px 16px; font-size: 1.05rem; border-bottom: 1px solid rgba(255,255,255,.08);
  }
  .nav__caret { width: 16px; height: 16px; }
  .nav__menu {
    position: static; transform: none; opacity: 1; visibility: visible;
    background: transparent; border: 0; box-shadow: none; padding: 0;
    min-width: 0; max-height: 0; overflow: hidden; transition: max-height .3s var(--ease);
  }
  .nav__menu::before { display: none; }
  .nav__dropdown.open .nav__menu { max-height: 640px; }
  .nav__menu a { padding: 13px 16px 13px 30px !important; font-size: .98rem; color: rgba(255,255,255,.7) !important; }
  .nav__menu a:hover { background: rgba(255,255,255,.06); color: #fff !important; }
  /* nested submenu becomes a second-level inline accordion on mobile */
  .nav__sub { width: 100%; }
  .nav__subbtn {
    width: 100%; color: rgba(255,255,255,.7) !important;
    padding: 13px 16px 13px 30px !important; font-size: .98rem;
    border-bottom: 1px solid rgba(255,255,255,.06);
  }
  .nav__caret--right { transform: rotate(0); transition: transform .3s var(--ease); }
  .nav__sub.open .nav__caret--right { transform: rotate(180deg); }
  .nav__submenu {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: transparent; border: 0; box-shadow: none; padding: 0; min-width: 0;
    max-height: 0; overflow: hidden; transition: max-height .3s var(--ease);
  }
  .nav__submenu::before { display: none; }
  .nav__sub.open .nav__submenu { max-height: 600px; }
  .nav__submenu a { padding: 12px 16px 12px 46px !important; font-size: .95rem; color: rgba(255,255,255,.6) !important; }
  .nav__cta { margin: 18px 0 0; }
  .nav__cta .btn { width: 100%; justify-content: center; }
  .nav__toggle { display: block; z-index: 101; }
  .nav__toggle.open span { background:#fff; }
  .nav__toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav__toggle.open span:nth-child(2) { opacity: 0; }
  .nav__toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .nav-backdrop { position: fixed; inset:0; background: rgba(8,20,41,.5); backdrop-filter: blur(2px); z-index: 98; opacity:0; visibility:hidden; transition: .3s; }
  .nav-backdrop.show { opacity:1; visibility:visible; }
}
@media (max-width: 768px) {
  body { font-size: 16px; }
  .grid-2, .grid-3, .split, .srow, .compare, .form-grid { grid-template-columns: 1fr; }
  .split--reverse .split__media, .srow:nth-child(even) .srow__media { order: 0; }
  .hero { min-height: 86vh; padding: 130px 0 80px; }
  .hero__actions .btn { flex: 1; justify-content: center; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; }
  .step { grid-template-columns: 64px 1fr; gap: 18px; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 30px 24px; }
  .footer__bottom { flex-direction: column; }
}
@media (max-width: 480px) {
  .card { padding: 30px 26px; }
  .footer__grid { grid-template-columns: 1fr; gap: 28px; }
  .eyebrow { font-size: .72rem; letter-spacing: .12em; }
  .container { padding-inline: 18px; }
  h1 { word-break: break-word; }
}

/* =================================================================
   Quote wizard (multi-step form)
   ================================================================= */
@keyframes qfade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.qwrap { max-width: 860px; margin: 0 auto; }
.qsteps { display: flex; justify-content: space-between; margin-bottom: 44px; position: relative; }
.qsteps::before { content: ""; position: absolute; top: 19px; left: 6%; right: 6%; height: 2px; background: var(--line); z-index: 0; }
.qsteps__item { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; gap: 10px; flex: 1; }
.qstep-dot { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 2px solid var(--line); color: var(--muted); font-weight: 700; font-family: var(--serif); transition: all .3s var(--ease); }
.qsteps__item.active .qstep-dot { background: var(--gold); border-color: var(--gold); color: #fff; box-shadow: 0 8px 20px -8px rgba(24,116,189,.6); }
.qsteps__item.done .qstep-dot { background: var(--navy-700); border-color: var(--navy-700); color: #fff; }
.qsteps__label { font-size: .82rem; color: var(--muted); font-weight: 600; text-align: center; }
.qsteps__item.active .qsteps__label { color: var(--navy-800); }
.qprogress-text { display: none; text-align: center; font-weight: 600; color: var(--navy-700); margin-bottom: 22px; }

.qstep { display: none; }
.qstep.active { display: block; animation: qfade .4s var(--ease); }
.qstep > h3 { margin-bottom: 6px; }
.qstep .step-sub { color: var(--muted); margin-bottom: 26px; }

.qnav { display: flex; align-items: center; gap: 12px; margin-top: 34px; }
.qnav .spacer { flex: 1; }

.field.invalid input, .field.invalid select, .field.invalid textarea,
.choice-group.invalid { border-color: #c0392b; }
.choice-group.invalid { box-shadow: 0 0 0 3px rgba(192,57,43,.08); border-radius: 10px; }
.field-err { color: #c0392b; font-size: .8rem; margin-top: 2px; display: none; }
.field.invalid .field-err, .choice-group.invalid + .field-err { display: block; }

.choice-group { display: flex; flex-wrap: wrap; gap: 10px; }
.choice { display: flex; align-items: center; gap: 9px; border: 1.5px solid var(--line); border-radius: 10px; padding: 12px 16px; cursor: pointer; font-size: .95rem; transition: all .2s var(--ease); background: #fff; user-select: none; }
.choice:hover { border-color: var(--gold-light); }
.choice input { accent-color: var(--gold); width: 17px; height: 17px; flex: none; }
.choice.checked { border-color: var(--gold); background: rgba(24,116,189,.06); color: var(--navy-800); font-weight: 600; }
.coverage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.conditional { display: none; margin-top: 4px; }
.conditional.show { display: block; animation: qfade .35s var(--ease); }
.field-help { font-size: .82rem; color: var(--muted-light); margin-top: 2px; }

@media (max-width: 640px) {
  .qsteps__label { display: none; }
  .qprogress-text { display: block; }
  .coverage-grid { grid-template-columns: 1fr; }
  .qsteps::before { left: 10%; right: 10%; }
}

/* ---------- FAQ (native <details> accordion) ---------- */
.faq { max-width: 820px; margin-inline: auto; }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__item summary {
  list-style: none; cursor: pointer; position: relative;
  padding: 22px 44px 22px 0;
  font-family: var(--serif); font-weight: 600; font-size: 1.18rem;
  color: var(--navy-800); line-height: 1.3;
  transition: color .2s var(--ease);
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
  content: ""; position: absolute; right: 4px; top: 50%;
  width: 13px; height: 13px; margin-top: -6px;
  background:
    linear-gradient(var(--gold), var(--gold)) center / 13px 2px no-repeat,
    linear-gradient(var(--gold), var(--gold)) center / 2px 13px no-repeat;
  transition: transform .25s var(--ease);
}
.faq__item[open] summary::after { transform: rotate(45deg); }
.faq__item summary:hover { color: var(--gold-dark); }
.faq__answer { padding: 0 44px 22px 0; }
.faq__answer p { color: var(--muted); }
.bg-deep .faq__item { border-color: var(--line-dark); }
.bg-deep .faq__item summary { color: #fff; }
.bg-deep .faq__answer p { color: rgba(255,255,255,.72); }

/* ---------- Quote wizard: dynamic supplemental sections ---------- */
.supp-section + .supp-section { margin-top: 30px; }
.supp-h {
  font-size: 1.05rem; font-family: var(--sans); font-weight: 600;
  letter-spacing: .02em; color: var(--navy-700);
  margin-bottom: 16px; padding-bottom: 9px; border-bottom: 1px solid var(--line);
}

/* ---------- Resources: article prose + hub cards ---------- */
.prose { max-width: 760px; margin-inline: auto; }
.prose > p { margin-top: 18px; }
.prose > p.lead { font-size: 1.2rem; color: var(--ink); margin-top: 0; }
.prose h2 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); margin-top: 42px; margin-bottom: 6px; }
.prose ul { list-style: disc; padding-left: 1.25em; margin-top: 14px; }
.prose li { margin-top: 7px; color: var(--muted); }
.res-card__cat { font-size: .72rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); display: block; margin-bottom: 10px; }
.res-card__cat--center { text-align: center; }