/* =========================================================
   New Tides Insurance — Landing page
   Design tokens taken from Figma file 470299 (frame 1:602)
   ========================================================= */

/* ---------- Fonts (self-hosted, SIL Open Font License) ---------- */
@font-face {
  font-family: "Figtree";
  src: url("assets/fonts/figtree-latin-wght.woff2") format("woff2-variations");
  font-weight: 300 900; font-style: normal; font-display: swap;
}
@font-face {
  font-family: "Source Serif 4";
  src: url("assets/fonts/source-serif-4-latin.woff2") format("woff2-variations");
  font-weight: 200 900; font-style: normal; font-display: swap;
}
@font-face {
  font-family: "Source Serif 4";
  src: url("assets/fonts/source-serif-4-latin-italic.woff2") format("woff2-variations");
  font-weight: 200 900; font-style: italic; font-display: swap;
}

:root {
  /* Colour */
  --navy-950: #08192f;
  --navy-900: #0b2545;
  --navy-800: #13335c;
  --navy-700: #1d3f6b;
  --ink: #0b2545;
  --ink-soft: #3a4e68;
  --ink-muted: #5b6b80;
  --amber: #f59e0b;
  --amber-600: #e08c00;
  --amber-100: #fdf0d8;
  --mist: #c9d5ea;
  --mist-100: #e2eafc;
  --mist-50: #f1f5fd;
  --paper: #f5f7f6;
  --white: #ffffff;
  --line: #e4e8ee;
  --line-dark: rgba(201, 213, 234, 0.16);

  /* Type */
  --font-serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-sans: "Figtree", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  /* Radius */
  --r-sm: 11px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-pill: 999px;

  /* Elevation */
  --shadow-card: 0 18px 40px rgba(11, 37, 69, 0.08);
  --shadow-float: 0 24px 48px rgba(3, 12, 26, 0.3);
  --shadow-photo: 0 30px 60px rgba(3, 12, 26, 0.35);

  /* Layout */
  --container: 1168px;
  --gutter: 24px;
  --section-y: 128px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-soft);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
h1, h2, h3, p, ul, ol, figure, address { margin: 0; padding: 0; }
ul, ol { list-style: none; }
address { font-style: normal; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}

.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.icon {
  width: 20px; height: 20px; flex: none;
  fill: none; stroke: currentColor; stroke-width: 1.8;
  stroke-linecap: round; stroke-linejoin: round;
}

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 100;
  padding: 10px 16px; border-radius: var(--r-sm);
  background: var(--amber); color: var(--navy-900); font-weight: 600; text-decoration: none;
}
.skip-link:focus { top: 16px; }

:focus-visible { outline: 3px solid var(--amber); outline-offset: 3px; }

.container {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin-inline: auto;
  padding-inline: var(--gutter);
  position: relative;
  z-index: 1;
}

/* ---------- Decorative glows ---------- */
.glow {
  position: absolute; border-radius: 50%; pointer-events: none;
  filter: blur(70px); z-index: 0;
}
.glow--blue { background: radial-gradient(circle, rgba(124, 158, 222, 0.55), rgba(124, 158, 222, 0) 70%); }
.glow--amber { background: radial-gradient(circle, rgba(245, 158, 11, 0.45), rgba(245, 158, 11, 0) 70%); }

/* ---------- Typography ---------- */
.h2 {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: clamp(34px, 3.5vw, 50px);
  line-height: 1.14;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.h2 em, .hero__title em {
  font-style: italic; font-weight: 600; color: var(--amber-600);
}
.h2--light { color: var(--white); }
.h2--light em, .hero__title em { color: var(--amber); }
.h2--md { font-size: clamp(30px, 2.9vw, 42px); }

.body-lg { font-size: 17px; line-height: 1.72; }
.body-md { font-size: 16.5px; line-height: 1.7; }
.body-md strong { color: var(--ink); font-weight: 600; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  height: 31px; padding: 0 16px 0 15px;
  border: 1px solid var(--line); border-radius: var(--r-pill);
  background: var(--white);
  font-size: 12px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase;
  line-height: 1; color: var(--ink-soft);
  margin-bottom: 15px;
}
.eyebrow::before {
  content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--amber); flex: none;
}
.eyebrow--dark {
  background: rgba(226, 234, 252, 0.08);
  border-color: rgba(201, 213, 234, 0.16);
  color: var(--mist);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 54px; padding: 0 27px;
  border: 1px solid transparent; border-radius: var(--r-pill);
  font-family: var(--font-sans); font-size: 16.5px; font-weight: 600; line-height: 1;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .2s ease, border-color .2s ease, color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.btn .icon { width: 20px; height: 20px; transition: transform .2s ease; }
.btn:hover .icon { transform: translateX(3px); }
.btn--primary { background: var(--amber); color: var(--navy-900); }
.btn--primary:hover { background: #ffad24; box-shadow: 0 10px 24px rgba(245, 158, 11, 0.32); }
.btn--ghost-dark {
  background: rgba(226, 234, 252, 0.04); border-color: rgba(226, 234, 252, 0.4); color: var(--white);
}
.btn--ghost-dark:hover { background: rgba(226, 234, 252, 0.12); border-color: rgba(226, 234, 252, 0.7); }
.btn--outline { background: var(--white); border-color: #cfd7e3; color: var(--ink); }
.btn--outline:hover { border-color: var(--navy-900); background: var(--mist-50); }
.btn--sm { min-height: 46px; padding: 0 21px; font-size: 15.5px; }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }

.text-link {
  color: var(--white); font-weight: 600; font-size: 15.5px;
  text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1px;
}
.text-link:hover { color: var(--amber); }

/* ---------- Icon tile ---------- */
.icon-tile {
  display: inline-grid; place-items: center; flex: none;
  width: 38px; height: 38px; border-radius: var(--r-sm);
  background: var(--mist-100); color: var(--navy-900);
}
.icon-tile .icon { width: 19px; height: 19px; }
.icon-tile--lg { width: 46px; height: 46px; border-radius: 12px; }
.icon-tile--lg .icon { width: 22px; height: 22px; }

/* =========================================================
   Header
   ========================================================= */
.site-header { background: var(--navy-900); position: relative; z-index: 5; }
.site-header__inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 109px; padding-block: 20px;
}
.brand { display: inline-flex; align-items: center; gap: 15px; text-decoration: none; color: var(--white); }
.brand__mark { width: 42px; height: 42px; }
.brand__text { display: flex; flex-direction: column; }
.brand__name {
  font-family: var(--font-serif); font-size: 32px; line-height: 1; letter-spacing: 0.005em; color: var(--white);
}
.brand__sub {
  margin-top: 5px; font-size: 11.8px; font-weight: 700; line-height: 1;
  letter-spacing: 0.34em; text-transform: uppercase; color: var(--mist);
}

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy-900);
  padding: 92px 0 124px;
  color: var(--mist);
}
.hero__glow-a { width: 760px; height: 640px; left: -200px; top: -360px; filter: blur(60px); }
.hero__glow-b { width: 620px; height: 640px; right: -260px; top: -240px; filter: blur(60px); }
.hero__glow-c { width: 640px; height: 640px; left: -300px; bottom: -330px; filter: blur(60px); }
.hero .glow--blue { background: radial-gradient(circle, rgba(104, 142, 210, 0.85), rgba(104, 142, 210, 0) 68%); }
.hero .glow--amber { background: radial-gradient(circle, rgba(222, 160, 40, 0.85), rgba(222, 160, 40, 0) 68%); }
.hero__waves {
  position: absolute; left: 0; bottom: -30px; width: 100%; height: 260px; z-index: 0;
  fill: none; stroke: rgba(201, 213, 234, 0.06); stroke-width: 1.2;
}
.hero__inner {
  display: grid; grid-template-columns: minmax(0, 520px) minmax(0, 575px);
  justify-content: space-between; align-items: start; gap: 48px;
}
.hero__content { padding-top: 0; }
.hero__title {
  margin: 11px 0 30px;
  font-family: var(--font-serif); font-weight: 400;
  font-size: clamp(42px, 4.86vw, 70px); line-height: 1.06; letter-spacing: -0.01em;
  color: var(--white);
}
.hero__lead { max-width: 475px; font-size: 18.7px; line-height: 1.7; color: var(--mist); margin-bottom: 34px; }

.hero__media { position: relative; margin-top: -19px; }
.hero__frame {
  position: absolute; inset: -18px 16px 26px 34px;
  border: 1px solid rgba(201, 213, 234, 0.18); border-radius: var(--r-xl);
}
.hero__photo {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  background: var(--navy-800); box-shadow: var(--shadow-photo);
  aspect-ratio: 575 / 600;
}
.hero__photo img { width: 100%; height: 100%; object-fit: cover; }

.explore-card {
  position: absolute; left: -40px; bottom: -36px; width: 300px;
  padding: 20px 20px 20px; border-radius: var(--r-lg);
  background: rgba(255, 255, 255, 0.97); box-shadow: var(--shadow-float);
}
.explore-card__title {
  font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--ink-soft); line-height: 1.65; margin-bottom: 12px;
}
.explore-card__list { display: grid; gap: 4px; }
.explore-card__list a {
  display: flex; align-items: center; gap: 12px;
  min-height: 48px; padding: 0 6px; border-radius: 12px;
  font-weight: 600; color: var(--ink); text-decoration: none;
  transition: background-color .2s ease;
}
.explore-card__list a:hover { background: var(--mist-50); }

/* =========================================================
   Shared section
   ========================================================= */
.section { position: relative; overflow: hidden; padding-block: var(--section-y); }
.section-head { margin-bottom: 64px; }
.section-head--center { text-align: center; max-width: 780px; margin-inline: auto; }
.section-head--center .h2 { margin-bottom: 22px; }
.section-head--center .body-md { max-width: 720px; margin-inline: auto; }

/* =========================================================
   Why it matters
   ========================================================= */
.why { background: var(--white); }
.why__glow-a { width: 520px; height: 520px; left: -220px; top: -130px; opacity: .45; }
.why__glow-b { width: 420px; height: 420px; right: -120px; bottom: -80px; opacity: .55; }
.why__grid {
  display: grid; grid-template-columns: minmax(0, 540px) minmax(0, 541px);
  justify-content: space-between; gap: 48px; align-items: start;
}
.why__media { position: relative; padding-top: 0; }
.why__media-frame {
  position: absolute; left: -14px; top: -17px; width: 70%; height: 90%;
  border: 1px solid rgba(245, 158, 11, 0.45); border-radius: var(--r-xl);
}
.why__photo {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  aspect-ratio: 540 / 565; box-shadow: var(--shadow-card); background: var(--mist-100);
}
.why__photo img { width: 100%; height: 100%; object-fit: cover; }

.why__photo-wrap { position: relative; }
/* Design: chip at x 290 / y 405 on a 540×565 photo, 290px wide */
.quote-chip {
  position: absolute; right: -7.4%; top: 71.7%; width: 53.7%; min-width: 220px; min-height: 21.6%;
  display: flex; gap: 14px; align-items: center;
  padding: 20px; border-radius: var(--r-lg);
  background: var(--white); box-shadow: var(--shadow-float);
}
.quote-chip__icon {
  display: grid; place-items: center; flex: none; width: 44px; height: 44px; border-radius: 12px;
  background: var(--navy-900); color: var(--amber);
}
.quote-chip__icon .icon { width: 22px; height: 22px; }
.quote-chip p { font-family: var(--font-serif); font-size: 20px; line-height: 1.22; color: var(--ink); }

.who-card {
  position: relative; display: flex; gap: 16px;
  margin-top: 20px; padding: 22px 26px 26px 24px; border-radius: var(--r-lg);
  background: var(--navy-900); color: var(--mist);
}
.who-card__icon {
  display: grid; place-items: center; flex: none; width: 46px; height: 46px; border-radius: 12px;
  background: rgba(226, 234, 252, 0.08); color: var(--amber);
}
.who-card__icon .icon { width: 22px; height: 22px; }
.who-card h3 { font-size: 17px; font-weight: 600; line-height: 1.6; color: var(--white); margin-bottom: 8px; }
.who-card p { font-size: 15px; line-height: 1.66; }

.why__content .h2 { margin-bottom: 20px; }
.why__content .body-lg { margin-bottom: 32px; }
.need-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.need-card {
  padding: 21px 21px 24px; border-radius: var(--r-lg);
  background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow-card);
}
.need-card .icon-tile { margin-bottom: 13px; }
.need-card h3 { font-size: 16.5px; font-weight: 600; line-height: 1.3; color: var(--ink); margin-bottom: 14px; }
.need-card p { font-size: 15px; line-height: 1.6; }

/* =========================================================
   Coverage options
   ========================================================= */
.coverage {
  background: linear-gradient(180deg, #f8faff 0%, var(--mist-100) 32%, var(--mist-100) 100%);
  padding-top: 128px;
}
.coverage__waves {
  position: absolute; left: 0; top: -140px; width: 100%; height: 380px; z-index: 0;
  fill: none; stroke: rgba(11, 37, 69, 0.05); stroke-width: 1.2;
}
.coverage .section-head { margin-bottom: 64px; }
.plan-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; align-items: stretch; }
.plan-card {
  display: flex; flex-direction: column;
  padding: 35px 34px 34px; border-radius: var(--r-lg);
  background: var(--white); border: 1px solid rgba(11, 37, 69, 0.06);
  box-shadow: 0 24px 50px rgba(11, 37, 69, 0.08);
  scroll-margin-top: 24px;
}
.plan-card__top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 14px; }
.plan-card__icon {
  display: grid; place-items: center; width: 56px; height: 56px; border-radius: var(--r-md);
  background: var(--navy-900); color: var(--amber);
}
.plan-card__icon .icon { width: 26px; height: 26px; }
.tag {
  display: inline-flex; align-items: center; height: 35px; margin-top: 10px; padding: 0 12px;
  border-radius: var(--r-pill); background: var(--mist-100);
  font-size: 11.5px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink);
}
.plan-card__title {
  font-family: var(--font-serif); font-weight: 400; font-size: 28px; line-height: 1.32; color: var(--ink);
  margin-bottom: 18px;
}
.plan-card__desc { font-size: 15.5px; line-height: 1.7; margin-bottom: 22px; }
.checklist { display: grid; gap: 10px; margin-bottom: 18px; }
.checklist li {
  position: relative; padding-left: 34px; font-size: 15px; line-height: 1.6; color: var(--ink);
}
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--amber-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23e08c00' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12.5 4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 13px no-repeat;
}
.note {
  display: flex; gap: 12px; padding: 16px 18px 18px 16px; border-radius: var(--r-md);
  background: var(--paper); font-size: 14px; line-height: 1.65;
}
.note .icon { width: 20px; height: 20px; margin-top: 1px; color: var(--ink-soft); }
.note strong { color: var(--ink); font-weight: 600; }
.plan-card__foot { margin-top: auto; padding-top: 34px; }
.plan-card__foot p {
  padding-top: 21px; border-top: 1px solid var(--line);
  font-size: 14.5px; line-height: 1.66; margin-bottom: 20px;
}
.plan-card__foot strong { color: var(--ink); font-weight: 600; }

/* =========================================================
   Four questions
   ========================================================= */
.questions { background: var(--navy-900); color: var(--mist); }
.questions__glow-a { width: 560px; height: 560px; right: -280px; top: -220px; opacity: .45; }
.questions__glow-b { width: 560px; height: 560px; left: -240px; bottom: -300px; opacity: .9; }
.questions__grid {
  display: grid; grid-template-columns: minmax(0, 420px) minmax(0, 638px);
  justify-content: space-between; gap: 48px; align-items: start;
}
.questions__intro .h2 { margin-bottom: 20px; }
.questions__intro .body-md { margin-bottom: 27px; }
.q-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; counter-reset: q; }
.q-card {
  min-height: 310px; padding: 29px; border-radius: var(--r-lg);
  background: rgba(226, 234, 252, 0.045); border: 1px solid var(--line-dark);
  transition: border-color .25s ease, background-color .25s ease, transform .25s ease;
}
.q-card:hover { border-color: rgba(245, 158, 11, 0.4); background: rgba(226, 234, 252, 0.07); transform: translateY(-3px); }
.q-card__top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 16px; }
.q-card__icon {
  display: grid; place-items: center; width: 52px; height: 52px; border-radius: 12px;
  background: rgba(245, 158, 11, 0.12); border: 1px solid rgba(245, 158, 11, 0.22); color: var(--amber);
}
.q-card__icon .icon { width: 24px; height: 24px; }
.q-card__num { font-family: var(--font-serif); font-size: 32px; line-height: 1.2; color: rgba(201, 213, 234, 0.35); margin-top: 6px; }
.q-card h3 { font-family: var(--font-serif); font-weight: 500; font-size: 25px; line-height: 1.3; color: var(--white); margin-bottom: 14px; }
.q-card p { font-size: 15px; line-height: 1.65; }

/* =========================================================
   Premium factors
   ========================================================= */
.premium { background: var(--paper); }
.premium__glow-a { width: 560px; height: 560px; right: -260px; top: -140px; opacity: .5; }
.premium__glow-b { width: 550px; height: 545px; left: 100px; bottom: -420px; opacity: .45; }
.premium__grid {
  display: grid; grid-template-columns: minmax(0, 617px) minmax(0, 465px);
  justify-content: space-between; gap: 56px; align-items: start;
}
.premium__content .h2 { margin: 8px 0 22px; }
.premium__content .body-md { margin-bottom: 20px; }
.factor-grid {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 36px;
  margin-bottom: 28px;
}
.factor {
  display: flex; gap: 16px; padding: 21px 0 24px; border-bottom: 1px solid var(--line);
}
.factor__icon {
  display: grid; place-items: center; flex: none; width: 48px; height: 48px; border-radius: 50%;
  background: var(--white); border: 1px solid rgba(245, 158, 11, 0.45); color: var(--amber-600);
}
.factor__icon .icon { width: 22px; height: 22px; }
.factor h3 { font-size: 17px; font-weight: 600; line-height: 1.6; color: var(--ink); margin-bottom: 4px; }
.factor p { font-size: 15px; line-height: 1.55; }
.fine-print { margin-top: 16px; font-size: 13.5px; color: var(--ink-muted); }

.premium__media { position: relative; }
.premium__frame {
  position: absolute; left: -24px; top: 196px; width: 78%; height: 74%;
  border: 1px solid rgba(245, 158, 11, 0.45); border-radius: var(--r-xl);
}
.premium__ring {
  position: absolute; right: -37px; top: -36px; width: 132px; height: 132px;
  border: 1px solid rgba(245, 158, 11, 0.45); border-radius: 50%;
}
.premium__photo {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  aspect-ratio: 465 / 660; box-shadow: var(--shadow-card); background: var(--mist-100);
}
.premium__photo img { width: 100%; height: 100%; object-fit: cover; }
.caption-card {
  position: absolute; left: 20px; right: 20px; bottom: 20px;
  display: flex; gap: 16px; align-items: center;
  padding: 20px; border-radius: var(--r-lg);
  background: rgba(11, 37, 69, 0.94); color: var(--mist);
  backdrop-filter: blur(6px);
}
.caption-card__icon {
  display: grid; place-items: center; flex: none; width: 48px; height: 48px; border-radius: 12px;
  background: rgba(245, 158, 11, 0.12); color: var(--amber);
}
.caption-card__icon .icon { width: 23px; height: 23px; }
.caption-card p { font-size: 14.5px; line-height: 1.5; }
.caption-card strong { display: block; color: var(--white); font-size: 16px; font-weight: 600; margin-bottom: 2px; }

/* =========================================================
   How it works
   ========================================================= */
.steps { background: var(--white); padding-bottom: 136px; }
.steps .section-head { margin-bottom: 76px; }
.steps__track { position: relative; }
.steps__line {
  position: absolute; left: 50%; top: 24px; width: min(800px, 68%); height: 40px;
  transform: translateX(-50%);
  fill: none; stroke: #c3cbd8; stroke-width: 1.6; stroke-dasharray: 2 7; stroke-linecap: round;
}
.step-list { position: relative; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 43px; }
.step { text-align: center; }
.step__badge {
  position: relative; display: grid; place-items: center; width: 88px; height: 88px; margin: 0 auto 25px;
  border-radius: 50%; background: var(--navy-900); color: var(--amber);
  box-shadow: 0 0 0 8px var(--mist-100), 0 16px 32px rgba(11, 37, 69, 0.18);
}
.step__badge .icon { width: 34px; height: 34px; stroke-width: 1.6; }
.step__num {
  position: absolute; top: -6px; right: -6px; display: grid; place-items: center;
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--amber); color: var(--navy-900); font-size: 13px; font-weight: 700;
  box-shadow: 0 0 0 3px var(--white);
}
.step h3 { font-family: var(--font-serif); font-weight: 400; font-size: 26px; line-height: 1.35; color: var(--ink); margin-bottom: 16px; }
@media (max-width: 1023px) { .br-desktop { display: none; } }
.step p { max-width: 353px; margin-inline: auto; font-size: 15px; line-height: 1.6; }

/* =========================================================
   CTA band + FAQ
   ========================================================= */
.faq-section { background: var(--paper); padding-top: 86px; padding-bottom: 210px; }
.faq__glow { width: 520px; height: 520px; left: -200px; top: 1020px; opacity: .65; }
.faq-section__wave {
  position: absolute; left: 0; bottom: -1px; width: 100%; height: 80px; fill: var(--navy-900); z-index: 0;
}

.cta-band {
  position: relative; overflow: hidden; isolation: isolate;
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 467px);
  min-height: 412px; border-radius: var(--r-xl);
  background: var(--navy-900); color: var(--mist);
  box-shadow: 0 30px 60px rgba(11, 37, 69, 0.18);
  margin-bottom: 112px;
}
.cta-band__glow-a { width: 420px; height: 420px; left: -180px; top: 250px; opacity: .9; }
.cta-band__glow-b { width: 360px; height: 360px; left: 470px; top: -220px; opacity: .25; }
.cta-band__content { position: relative; z-index: 1; padding: 56px 56px 56px 56px; }
.cta-band__content .h2 { margin: 0 0 18px; }
.cta-band__content > p:not(.eyebrow) { max-width: 479px; font-size: 16px; line-height: 1.6; margin-bottom: 28px; }
.cta-band__content .btn-row { gap: 24px; }
.cta-band__media { position: relative; z-index: 1; }
.cta-band__media img { width: 100%; height: 100%; object-fit: cover; }
.cta-band__curve { position: absolute; left: -1px; top: 0; width: 60px; height: 100%; }
.cta-band__curve .fill { fill: var(--navy-900); }
.cta-band__curve .stroke { fill: none; stroke: var(--amber); stroke-width: 1.6; vector-effect: non-scaling-stroke; }

.faq {
  display: grid; grid-template-columns: minmax(0, 418px) minmax(0, 638px);
  justify-content: space-between; gap: 48px; align-items: start;
}
.faq__intro .h2 { margin-bottom: 18px; }
.faq__intro .body-md { max-width: 405px; margin-bottom: 50px; }
.faq__media { position: relative; max-width: 400px; }
.faq__media-bg {
  position: absolute; inset: 18px -18px -18px 18px;
  border-radius: 28px 28px 80px 28px; background: var(--mist-100);
}
.faq__photo {
  position: relative; overflow: hidden; aspect-ratio: 400 / 430;
  border-radius: 28px 28px 80px 28px; box-shadow: var(--shadow-card); background: var(--mist-100);
}
.faq__photo img { width: 100%; height: 100%; object-fit: cover; }
.ask-chip {
  position: absolute; right: -68px; top: 31px;
  display: inline-flex; align-items: center; gap: 10px;
  height: 58px; padding: 0 20px 0 12px; border-radius: var(--r-pill);
  background: var(--white); box-shadow: var(--shadow-float);
  font-size: 14px; font-weight: 600; color: var(--ink);
}
.ask-chip__icon {
  display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%;
  background: var(--navy-900); color: var(--white);
}
.ask-chip__icon .icon { width: 17px; height: 17px; }

.accordion { display: grid; gap: 12px; }
.acc-item {
  border-radius: 18px; background: var(--white); border: 1px solid var(--line);
  box-shadow: 0 10px 24px rgba(11, 37, 69, 0.04);
  transition: box-shadow .25s ease, border-color .25s ease;
}
.acc-item.is-open { box-shadow: var(--shadow-card); }
.acc-item h3 { margin: 0; }
.acc-trigger {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  width: 100%; min-height: 82px; padding: 20px 24px; border: 0; background: none; cursor: pointer;
  text-align: left; font-size: 17px; font-weight: 600; line-height: 1.4; color: var(--ink);
  border-radius: 18px;
}
.acc-icon {
  display: grid; place-items: center; flex: none; width: 38px; height: 38px; border-radius: 50%;
  background: var(--mist-100); color: var(--navy-900);
  transition: background-color .25s ease, transform .3s ease, box-shadow .25s ease;
}
.acc-icon .icon { width: 18px; height: 18px; }
.acc-trigger:hover .acc-icon { background: #d3defa; }
.acc-item.is-open .acc-icon {
  background: var(--amber); transform: rotate(45deg);
  box-shadow: 0 0 0 8px rgba(245, 158, 11, 0.12);
}
.acc-panel { overflow: hidden; }
.acc-panel__inner { padding: 0 24px 28px 24px; max-width: 570px; }
.acc-panel p { font-size: 15px; line-height: 1.7; }

/* =========================================================
   Contact / quote form
   ========================================================= */
.contact {
  background:
    radial-gradient(ellipse at 30% 40%, rgba(29, 63, 107, 0.65), transparent 60%),
    linear-gradient(180deg, var(--navy-900) 0%, #10284a 55%, #0d2240 100%);
  color: var(--mist); padding-top: 88px; padding-bottom: 104px;
  /* background-image: url(/assets/images/Group37.webp); */
}
.contact__glow-a { width: 600px; height: 600px; left: -220px; top: 40px; opacity: .35; }
.contact__glow-b { width: 420px; height: 420px; right: 0; bottom: -220px; opacity: .3; }
.contact__grid {
  display: grid; grid-template-columns: minmax(0, 460px) minmax(0, 622px);
  justify-content: space-between; gap: 48px; align-items: start;
}
.contact__intro { padding-top: 16px; }
.contact__intro .h2 { max-width: 430px; margin: 6px 0 14px; }
.contact__intro .body-md { margin-bottom: 24px; }
.perk-list { display: grid; gap: 14px; margin-bottom: 30px; }
.perk-list li { display: flex; align-items: center; gap: 14px; font-size: 15px; line-height: 1.5; color: var(--mist); }
.perk-list__icon {
  display: grid; place-items: center; flex: none; width: 40px; height: 40px; border-radius: var(--r-sm);
  background: rgba(245, 158, 11, 0.12); color: var(--amber);
}
.perk-list__icon .icon { width: 19px; height: 19px; }
.contact-box {
  display: grid; gap: 12px; padding: 21px; border-radius: var(--r-lg);
  border: 1px solid var(--line-dark); background: rgba(226, 234, 252, 0.03);
}
.contact-box__label { font-size: 11.5px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--amber); }
.contact-box a { display: inline-flex; align-items: center; gap: 12px; font-size: 15.5px; text-decoration: none; color: var(--mist); }
.contact-box a:hover { color: var(--white); }
.contact-box .icon { width: 18px; height: 18px; }

.form-card {
  padding: 44px; border-radius: var(--r-xl);
  background: var(--paper); color: var(--ink-soft);
  box-shadow: 0 30px 60px rgba(3, 12, 26, 0.35);
}
.form-card__title { font-family: var(--font-serif); font-weight: 400; font-size: 32px; line-height: 1.1; color: var(--ink); margin-bottom: 24px; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.field { display: grid; gap: 8px; align-content: start; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: 14.5px; font-weight: 600; color: var(--ink); }
.field .req { color: var(--amber-600); }
.field .opt { font-weight: 400; color: var(--ink-muted); }
.field input, .field select, .field textarea {
  width: 100%; min-height: 54px; padding: 0 17px;
  border: 1px solid #d6dde7; border-radius: 12px; background: var(--white);
  font-size: 16px; color: var(--ink);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.field textarea { min-height: 146px; padding: 16px 17px; resize: vertical; line-height: 1.5; }
.field ::placeholder { color: #8994a5; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-800); box-shadow: 0 0 0 3px rgba(19, 51, 92, 0.12);
}
.field.has-error input, .field.has-error select { border-color: #c2410c; }
.field__error { min-height: 0; font-size: 13px; color: #b23a0a; }
.field__error:empty { display: none; }
.select { position: relative; }
.select select { appearance: none; -webkit-appearance: none; padding-right: 44px; cursor: pointer; }
.select select:invalid { color: var(--ink-soft); }
.select .icon { position: absolute; right: 16px; top: 50%; width: 18px; height: 18px; transform: translateY(-50%); pointer-events: none; color: var(--ink); stroke-width: 2.4; }
.form-hint { margin-top: 20px; font-size: 14.5px; color: var(--ink-soft); }
.form-demo { display: flex; gap: 10px; margin: 12px 0 28px; font-size: 14px; line-height: 1.5; color: var(--ink-soft); }
.form-demo .icon { width: 18px; height: 18px; margin-top: 1px; }
.quote-form .btn { min-width: 220px; }
.form-status { margin-top: 16px; font-size: 15px; font-weight: 600; color: #15803d; }
.form-status:empty { display: none; }

/* =========================================================
   Footer
   ========================================================= */
.site-footer { background: var(--navy-950); color: var(--mist); padding-top: 86px; }
.footer-grid {
  display: grid; grid-template-columns: 297px minmax(0, 275px) minmax(0, 430px);
  justify-content: space-between; gap: 40px; padding-bottom: 46px;
  border-bottom: 1px solid var(--line-dark);
}
.brand--sm .brand__mark { width: 40px; height: 40px; }
.brand--sm { gap: 12px; }
.brand--sm .brand__name { font-size: 30px; }
.brand--sm .brand__sub { font-size: 10px; }
.footer-brand p { margin: 22px 0 18px; font-size: 15px; line-height: 1.6; }
.social { display: flex; gap: 10px; }
.social a {
  display: grid; place-items: center; width: 32px; height: 32px; border-radius: 50%;
  border: 1px solid rgba(245, 158, 11, 0.4); color: var(--amber);
  transition: background-color .2s ease, color .2s ease;
}
.social a:hover { background: var(--amber); color: var(--navy-900); }
.social .icon { width: 15px; height: 15px; }
.footer-title { font-family: var(--font-sans); font-size: 13px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--white); line-height: 1.6; margin-bottom: 16px; }
.footer-col address { font-size: 15px; line-height: 1.5; margin-bottom: 18px; }
.footer-link { font-size: 15px; font-weight: 600; color: var(--white); text-underline-offset: 3px; }
.footer-link:hover { color: var(--amber); }
.footer-label { margin: 20px 0 8px; font-size: 11px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--amber); }
.footer-contact { font-size: 14.5px; }
.footer-contact a { text-decoration: none; }
.footer-contact a:hover { color: var(--white); }
.footer-legal { font-size: 14px; line-height: 1.7; }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
  padding: 26px 0 34px; font-size: 14px;
}
.footer-bottom a { text-underline-offset: 3px; }
.footer-bottom a:hover { color: var(--white); }

/* =========================================================
   Responsive — Laptop (1024–1439)
   ========================================================= */
@media (max-width: 1279px) {
  :root { --section-y: 112px; }
  .hero__inner { grid-template-columns: minmax(0, 1fr) minmax(0, 520px); }
  .explore-card { left: -24px; }
  .ask-chip { right: -24px; }
  .plan-card { padding: 30px 26px 28px; }
  .plan-card__title { font-size: 25px; }
  .factor-grid { column-gap: 24px; }
}

/* =========================================================
   Tablet (768–1023)
   ========================================================= */
@media (max-width: 1023px) {
  :root { --section-y: 96px; --gutter: 32px; }

  .site-header__inner { min-height: 88px; }
  .brand__name { font-size: 28px; }

  .hero { padding: 64px 0 96px; }
  .hero__inner { grid-template-columns: 1fr; gap: 64px; }
  .hero__content { max-width: 620px; }
  .hero__lead { max-width: 560px; }
  .hero__media { margin: 0 0 24px; max-width: 600px; justify-self: center; width: 100%; }
  .explore-card { left: -16px; }

  .why__grid { grid-template-columns: 1fr; gap: 72px; }
  .why__media { max-width: 600px; width: 100%; justify-self: center; }

  .plan-grid { grid-template-columns: 1fr; max-width: 600px; margin-inline: auto; }

  .questions__grid { grid-template-columns: 1fr; gap: 48px; }
  .questions__intro { max-width: 560px; }

  .premium__grid { grid-template-columns: 1fr; gap: 64px; }
  .premium__media { max-width: 465px; width: 100%; justify-self: center; }

  .step-list { grid-template-columns: 1fr; gap: 48px; max-width: 460px; margin-inline: auto; }
  .steps__line { display: none; }

  .cta-band { grid-template-columns: 1fr; }
  .cta-band__media { order: -1; height: 300px; }
  .cta-band__curve { display: none; }
  .cta-band__content { padding: 44px 40px 48px; }

  .faq { grid-template-columns: 1fr; gap: 56px; }
  .faq__intro { max-width: 560px; }
  .faq__media { max-width: 400px; }

  .contact__grid { grid-template-columns: 1fr; gap: 56px; }
  .contact__intro { max-width: 560px; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-col--wide { grid-column: 1 / -1; }
}

/* =========================================================
   Mobile (320–767)
   ========================================================= */
@media (max-width: 767px) {
  :root { --section-y: 72px; --gutter: 20px; }
  body { font-size: 15.5px; }

  .site-header__inner { min-height: 76px; padding-block: 14px; gap: 12px; }
  .brand { gap: 10px; }
  .brand__mark { width: 36px; height: 36px; }
  .brand__name { font-size: 24px; }
  .brand__sub { font-size: 9.5px; letter-spacing: 0.3em; }
  .site-header .btn--sm { min-height: 42px; padding: 0 16px; font-size: 14px; }

  .hero { padding: 48px 0 84px; }
  .hero__title { margin-bottom: 22px; }
  .hero__lead { font-size: 17px; margin-bottom: 28px; }
  .btn-row .btn { flex: 1 1 100%; }
  .hero__frame { display: none; }
  .hero__photo, .why__photo, .premium__photo { border-radius: var(--r-lg); }
  .explore-card { position: relative; left: auto; bottom: auto; width: auto; margin: -56px 16px 0; }
  .hero__media { margin-bottom: 0; }

  .eyebrow { font-size: 11px; height: 29px; }

  .why__grid { gap: 56px; }
  .why__media-frame { display: none; }
  .quote-chip { right: -2%; top: 69%; width: 60%; min-width: 0; padding: 12px; gap: 10px; }
  .quote-chip__icon { width: 36px; height: 36px; }
  .quote-chip p { font-size: 16px; }
  .who-card { flex-direction: column; padding: 22px; }
  .need-grid { grid-template-columns: 1fr; }

  .section-head { margin-bottom: 44px; }
  .plan-card { padding: 26px 22px 24px; }
  .plan-card__top { margin-bottom: 18px; }

  .q-grid { grid-template-columns: 1fr; gap: 14px; }
  .q-card { min-height: 0; padding: 24px; }
  .q-card h3 { font-size: 22px; }

  .factor-grid { grid-template-columns: 1fr; }
  .premium__frame, .premium__ring { display: none; }
  .caption-card { left: 12px; right: 12px; bottom: 12px; padding: 16px; }

  .steps { padding-bottom: 80px; }
  .steps .section-head { margin-bottom: 52px; }
  .step h3 { font-size: 23px; }

  .faq-section { padding-top: 56px; padding-bottom: 140px; }
  .cta-band { margin-bottom: 72px; border-radius: var(--r-lg); }
  .cta-band__media { height: 220px; }
  .cta-band__content { padding: 32px 22px 34px; }
  .cta-band__content .btn-row { gap: 18px; }
  .cta-band__content .text-link { margin-inline: auto; }
  .faq__intro .body-md { margin-bottom: 36px; }
  .faq__media { margin-right: 18px; }
  .ask-chip { right: -10px; top: 18px; height: 50px; }
  .acc-trigger { min-height: 72px; padding: 18px 18px; font-size: 16px; }
  .acc-panel__inner { padding: 0 18px 22px; }

  .contact { padding-top: 64px; padding-bottom: 72px; }
  .form-card { padding: 28px 20px; border-radius: var(--r-lg); }
  .form-card__title { font-size: 27px; }
  .form-grid { grid-template-columns: 1fr; }
  .quote-form .btn { width: 100%; }

  .site-footer { padding-top: 56px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 374px) {
  .quote-chip { top: 66%; width: 64%; }
  .quote-chip p { font-size: 14.5px; }
  .quote-chip__icon { width: 30px; height: 30px; }
  .site-header .btn--sm { padding: 0 12px; font-size: 13px; }
  .brand__name { font-size: 21px; }
  .brand__mark { width: 32px; height: 32px; }
}