/* ============================================================
   Insurance Site Template, design system v3
   Restrained, private-bank aesthetic. Deep navy, quiet brass.
   Theme colors injected by build.js as :root variables.
   ============================================================ */

:root {
  /* Fallback theme (blue / white / beige), overridden by injected theme block */
  --primary: #123a63;
  --primary-dark: #0a2138;
  --primary-light: #1d5288;
  --blue-cta: #1d5288;
  --accent: #d3c3a0;        /* beige / sand */
  --accent-bright: #e9dfc8; /* light sand, for dark backgrounds */
  --accent-deep: #9d8a63;   /* taupe, for light backgrounds */
  --accent-soft: #f3eee1;   /* pale sand fill */
  --cream: #f8f5ee;
  --ink: #1a2634;
  --muted: #566372;
  --paper: #ffffff;
  --ring: rgba(29, 82, 136, 0.3);
  --glow: rgba(211, 195, 160, 0.14);

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

.font-display { font-family: var(--font-display); }

/* ---------- type ---------- */
.h-hero {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -0.015em;
  font-size: clamp(2.4rem, 5.2vw, 4.1rem);
  text-wrap: balance;
}
.h-section {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.14;
  letter-spacing: -0.01em;
  font-size: clamp(1.85rem, 3.6vw, 2.7rem);
  text-wrap: balance;
}
.h-card { font-family: var(--font-display); font-weight: 600; font-size: 1.28rem; line-height: 1.25; }
.accent-serif {
  position: relative;
  background: linear-gradient(95deg, var(--accent-bright) 0%, var(--accent) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.accent-serif-dark {
  position: relative;
  background: linear-gradient(95deg, var(--primary-light) 0%, var(--primary) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.headline-rule {
  width: 56px; height: 3px; border-radius: 2px; margin: 1.4rem auto 0;
  background: linear-gradient(90deg, var(--primary-light), var(--primary));
}
.section-dark .headline-rule, .hero-bg .headline-rule, .stats-band .headline-rule {
  background: linear-gradient(90deg, var(--accent-bright), var(--accent));
}
.eyebrow {
  display: inline-flex; align-items: center; gap: .7rem;
  font-size: .76rem; font-weight: 600; letter-spacing: .22em; text-transform: uppercase;
  color: var(--primary-light);
}
.section-dark .eyebrow, .hero-bg .eyebrow { color: var(--accent-bright); }
.eyebrow::before { content: ""; width: 28px; height: 1px; background: currentColor; opacity: .7;
  transition: width .7s cubic-bezier(.22, 1, .36, 1) .1s; }
.eyebrow-center::after { content: ""; width: 28px; height: 1px; background: currentColor; opacity: .7;
  transition: width .7s cubic-bezier(.22, 1, .36, 1) .1s; }
.anim-ready .eyebrow:not(.in-view)::before,
.anim-ready .eyebrow-center:not(.in-view)::after { width: 0; }
.lede { font-size: clamp(1.05rem, 2vw, 1.18rem); line-height: 1.75; color: var(--muted); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  min-height: 52px; padding: .95rem 2.2rem; border-radius: 10px;
  font-weight: 600; font-size: 1rem; letter-spacing: .01em;
  cursor: pointer; text-decoration: none;
  transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease, border-color .2s ease, color .2s ease;
  will-change: transform;
}
.btn:active { transform: scale(.98); }
.btn-primary {
  background: linear-gradient(160deg, var(--primary-light), var(--primary));
  color: #fff;
  box-shadow: 0 8px 22px -10px var(--ring);
}
.btn-primary:hover { background: linear-gradient(160deg, var(--primary), var(--primary-dark)); transform: translateY(-1px); box-shadow: 0 12px 28px -10px var(--ring); }
.btn-white {
  background: #fff; color: var(--primary);
  box-shadow: 0 10px 30px -12px rgba(4,13,22,.5);
}
.btn-white:hover { background: var(--accent-soft); transform: translateY(-1px); }
.btn-outline {
  border: 1px solid rgba(255,255,255,.35); color: #fff;
  background: transparent;
}
.btn-outline:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.6); transform: translateY(-1px); }
.btn-dark { background: var(--primary); color: #fff; }
.btn-dark:hover { background: var(--primary-light); transform: translateY(-1px); }
.btn-ghost { border: 1px solid rgba(28,39,51,.2); color: var(--primary); background: transparent; }
.btn-ghost:hover { border-color: var(--accent); color: var(--accent-deep); background: var(--accent-soft); transform: translateY(-1px); }

/* ---------- nav ---------- */
.nav-glass {
  background: #ffffff;
  border-bottom: 1px solid rgba(26,38,52,.06);
  box-shadow: 0 1px 20px rgba(10,33,56,.06);
}
.nav-link { position: relative; font-weight: 500; font-size: .95rem; color: var(--ink); text-decoration: none; padding: .35rem 0; }
.nav-link::after { content: ""; position: absolute; left: 0; bottom: -2px; height: 1.5px; width: 0;
  background: var(--accent); transition: width .25s ease; }
.nav-link:hover::after { width: 100%; }

/* ---------- hero ---------- */
.hero-bg {
  position: relative;
  background:
    radial-gradient(1000px 600px at 85% -10%, var(--glow) 0%, transparent 55%),
    radial-gradient(800px 520px at -10% 115%, rgba(255,255,255,.06) 0%, transparent 55%),
    radial-gradient(1400px 900px at 50% 120%, var(--primary-light) 0%, transparent 60%),
    linear-gradient(165deg, var(--primary-dark) 0%, var(--primary) 100%);
}
.hero-bg::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--ring), transparent);
}
.hero-aura { position: absolute; border-radius: 9999px; filter: blur(100px); pointer-events: none; }
.hero-ring { position: absolute; border-radius: 9999px; border: 1px solid rgba(233,223,200,.09); pointer-events: none; }
.hero-beam {
  position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(115deg, transparent 42%, rgba(255,255,255,.035) 50%, transparent 58%);
}
.hero-bg::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .035; z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='.6'/%3E%3C/svg%3E");
}

/* ---------- hero check bullets ---------- */
.hero-checks li {
  display: flex; align-items: center; gap: .8rem;
  color: rgba(255,255,255,.92); font-size: .95rem; font-weight: 500;
}
.hc-badge {
  flex: none; width: 27px; height: 27px; border-radius: 9999px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(140deg, var(--accent-bright), var(--accent));
  color: var(--primary-dark);
  box-shadow: 0 5px 14px -4px var(--glow), inset 0 1px 0 rgba(255,255,255,.5);
}

/* ---------- floating agent tag ---------- */
.agent-tag {
  position: absolute; bottom: -1.6rem; left: 50%;
  display: flex; align-items: center; gap: .75rem;
  padding: .8rem 1.2rem; border-radius: 14px;
  background: linear-gradient(150deg, #ffffff 30%, var(--accent-soft) 130%);
  border: 1px solid rgba(157,138,99,.35);
  box-shadow: 0 24px 48px -16px rgba(4,13,22,.55), 0 2px 8px -2px rgba(4,13,22,.25);
  transform: translateX(-50%);
  animation: agentFloat 4.5s ease-in-out infinite alternate;
}
.agent-tag::before {
  content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 3px; border-radius: 2px;
  background: linear-gradient(180deg, var(--accent-bright), var(--accent));
}
.at-icon {
  flex: none; width: 34px; height: 34px; border-radius: 9999px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(140deg, var(--primary-light), var(--primary));
  color: #fff; box-shadow: 0 6px 14px -6px var(--ring);
}
@keyframes agentFloat {
  from { transform: translateX(-50%) translateY(0); }
  to   { transform: translateX(-50%) translateY(-7px); }
}

.headshot-frame { position: relative; }
.headshot-ring {
  padding: 1px; border-radius: 22px;
  background: linear-gradient(165deg, rgba(214,189,138,.55), rgba(255,255,255,.08) 45%, rgba(214,189,138,.25));
  box-shadow: 0 36px 80px -28px rgba(0,0,0,.55);
}
.headshot-ring img { display: block; width: 100%; border-radius: 21px; }
.float-badge {
  position: absolute; background: rgba(255,255,255,.98); border-radius: 12px;
  box-shadow: 0 18px 44px -18px rgba(6,19,31,.4);
  padding: .85rem 1.2rem; border: 1px solid rgba(176,141,62,.2);
}

.trust-chip {
  display: inline-flex; align-items: center; gap: .5rem; padding: .55rem 1rem;
  border-radius: 9999px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14);
  color: rgba(255,255,255,.92); font-size: .84rem; font-weight: 500;
}
.trust-chip svg { color: var(--accent-bright); flex: none; }

/* ---------- carrier marquee ---------- */
.section-cream {
  background:
    radial-gradient(700px 340px at 50% -60px, rgba(255,255,255,.9) 0%, transparent 70%),
    radial-gradient(900px 500px at 110% 110%, rgba(255,255,255,.65) 0%, transparent 60%),
    var(--cream);
}
.marquee { overflow: hidden; position: relative;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); }
.marquee-track { display: flex; align-items: center; gap: 4rem; width: max-content; will-change: transform; }
.marquee-track img { height: 46px; width: auto; object-fit: contain;
  filter: grayscale(1) opacity(.45); transition: filter .3s ease; }
.marquee-track img:hover { filter: grayscale(0) opacity(1); }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- stats band ---------- */
.stats-band {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(900px 420px at 15% 0%, var(--glow) 0%, transparent 55%),
    linear-gradient(115deg, var(--primary-dark) 0%, var(--primary) 55%, var(--primary-light) 120%);
}
.stats-watermark {
  position: absolute; right: -1.5rem; top: 50%; transform: translateY(-50%);
  font-family: var(--font-display); font-style: italic; font-weight: 600;
  font-size: clamp(10rem, 24vw, 20rem); line-height: 1; color: rgba(255,255,255,.05);
  pointer-events: none; user-select: none;
}
.stat-num {
  font-family: var(--font-display); font-weight: 600; line-height: 1;
  font-size: clamp(2.6rem, 5vw, 3.6rem); color: #fff;
}
.stat-suffix {
  font-family: var(--font-display); font-weight: 500; font-size: .55em;
  color: var(--accent-bright); margin-left: .1em;
}
.stat-label {
  font-size: .84rem; letter-spacing: .06em; color: rgba(255,255,255,.72); margin-top: .55rem;
}

/* ---------- cards ---------- */
.card {
  position: relative; background: var(--paper);
  border: 1px solid rgba(28,39,51,.08); border-radius: 16px; padding: 2rem;
  box-shadow: 0 2px 12px -8px rgba(6,19,31,.08);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  will-change: transform;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 22px 44px -20px rgba(6,19,31,.18); border-color: var(--ring); }
.card-icon {
  width: 52px; height: 52px; border-radius: 12px; display: flex; align-items: center; justify-content: center;
  background: var(--accent-soft); color: var(--primary); margin-bottom: 1.2rem;
  border: 1px solid rgba(157,138,99,.22);
  transition: transform .25s ease;
}
.card:hover .card-icon, .pcard:hover .card-icon { transform: translateY(-3px); }
.card-link { font-weight: 600; color: var(--primary); display: inline-flex; align-items: center; gap: .4rem; text-decoration: none; font-size: .95rem; }
.card-link svg { transition: transform .2s ease; color: var(--primary-light); }
.card:hover .card-link svg { transform: translateX(4px); }

/* ---------- steps ---------- */
.step-card {
  position: relative; background: var(--paper); border-radius: 16px; padding: 2.2rem 2rem;
  border: 1px solid rgba(28,39,51,.08); box-shadow: 0 2px 12px -8px rgba(6,19,31,.08);
  transition: transform .25s ease, box-shadow .25s ease;
}
.step-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px -20px rgba(6,19,31,.16); }
.step-num {
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 600;
  color: var(--primary-light); letter-spacing: .14em;
  display: inline-flex; align-items: center; gap: .8rem;
}
.step-num::after { content: ""; width: 34px; height: 1px; background: var(--ring); }

/* ---------- product carousel ---------- */
.product-kicker { font-size: .76rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--primary-light); }
.pcarousel-wrap { position: relative; }
.pcarousel { overflow-x: auto; scroll-snap-type: x mandatory; -ms-overflow-style: none; scrollbar-width: none; }
.pcarousel::-webkit-scrollbar { display: none; }
.pcarousel-track { display: flex; gap: 1.25rem; padding: .5rem .25rem 1.4rem; }
.pcard {
  flex: 0 0 290px; scroll-snap-align: start; scroll-margin-top: 120px;
  display: flex; flex-direction: column; align-items: flex-start; text-align: left;
  background: var(--paper); border: 1px solid rgba(26,38,52,.09); border-radius: 16px;
  padding: 1.8rem; cursor: pointer; font: inherit; color: inherit;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.pcard:hover { transform: translateY(-4px); box-shadow: 0 22px 44px -20px rgba(6,19,31,.18); border-color: var(--ring); }
.pcard.active { border-color: var(--primary-light); box-shadow: 0 22px 44px -20px rgba(6,19,31,.22); }
.pcard-name { font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; line-height: 1.3; margin-bottom: .5rem; display: block; }
.pcard-short { font-size: .86rem; color: var(--muted); line-height: 1.55; margin-bottom: 1rem; display: block; }
.pcard .card-link { margin-top: auto; }
.pc-arrow {
  position: absolute; top: 42%; transform: translateY(-50%); z-index: 2;
  width: 46px; height: 46px; border-radius: 9999px;
  background: #fff; border: 1px solid rgba(26,38,52,.1);
  box-shadow: 0 12px 26px -10px rgba(6,19,31,.3);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary); cursor: pointer; transition: background .2s ease;
}
.pc-arrow:hover { background: var(--accent-soft); }
.pc-prev { left: -12px; } .pc-next { right: -12px; }
@media (max-width: 640px) { .pcard { flex-basis: 82vw; } .pc-prev { left: -8px; } .pc-next { right: -8px; } }
.pdetail { margin-top: .5rem; }
.pdetail-panel {
  display: none; position: relative; overflow: hidden;
  background: var(--paper); border: 1px solid rgba(26,38,52,.09); border-radius: 20px;
  box-shadow: 0 26px 60px -28px rgba(6,19,31,.24);
}
.pdetail-panel::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 3px;
  background: linear-gradient(90deg, var(--primary-light), var(--primary)); }
.pdetail-panel.active { display: block; animation: quizIn .35s ease both; }
.pdetail-close {
  position: absolute; top: 14px; right: 14px; z-index: 2;
  width: 42px; height: 42px; border-radius: 9999px;
  display: flex; align-items: center; justify-content: center;
  color: var(--muted); background: #fff; border: 1px solid rgba(26,38,52,.12); cursor: pointer;
  transition: background .2s ease, color .2s ease;
}
.pdetail-close:hover { color: var(--ink); background: var(--accent-soft); }

/* ---------- embed placeholder (skeleton form preview) ---------- */
.embed-placeholder {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: .5rem; text-align: center; padding: 2.2rem 2rem; color: var(--muted);
  background: radial-gradient(460px 220px at 50% 0%, rgba(255,255,255,.85) 0%, transparent 70%), var(--cream);
}
.embed-placeholder svg { color: var(--primary-light); opacity: .65; }
.ep-title { font-family: var(--font-display); font-weight: 600; font-size: 1.2rem; color: var(--ink); }
.ep-sub { font-size: .88rem; max-width: 36ch; line-height: 1.6; }
.ep-skel { width: 100%; max-width: 320px; display: flex; flex-direction: column; gap: .7rem; margin-bottom: 1.4rem; }
.ep-skel span { height: 40px; border-radius: 9px; background: rgba(26,38,52,.06); border: 1px solid rgba(26,38,52,.05); }
.ep-skel span.ep-half { width: 62%; }
.ep-skel span.ep-btn { background: rgba(29,82,136,.14); border-color: transparent; }

/* ---------- savings showcase (cutouts pop above the tile) ---------- */
.saver-card { position: relative; padding-top: 4.5rem; transition: transform .28s ease; }
.saver-card:hover { transform: translateY(-6px); }
.saver-tile {
  position: relative; border-radius: 26px; aspect-ratio: 1 / 0.72; overflow: visible;
  background: linear-gradient(172deg, var(--accent-soft) 0%, #fff 135%);
  border: 1px solid rgba(157,138,99,.22);
  transition: box-shadow .28s ease;
}
.saver-card:hover .saver-tile { box-shadow: 0 26px 52px -22px rgba(10,33,56,.28); }
.saver-tile img {
  position: absolute; bottom: 0; left: 0; width: 100%; height: auto;
  border-radius: 0 0 26px 26px;
  filter: drop-shadow(0 14px 22px rgba(10,33,56,.22));
}
.saver-pill {
  position: absolute; left: -8px; bottom: 20px; z-index: 2;
  display: flex; align-items: center; gap: .6rem;
  background: #fff; border-radius: 12px; padding: .55rem .85rem;
  box-shadow: 0 16px 36px -14px rgba(4,13,22,.4);
  border: 1px solid rgba(26,38,52,.06);
}
.saver-dot {
  flex: none; width: 30px; height: 30px; border-radius: 9999px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(140deg, var(--accent-bright), var(--accent));
  color: var(--primary-dark);
}
.saver-pill .sp-title { font-weight: 600; font-size: .86rem; line-height: 1.25; color: var(--ink); }
.saver-pill .sp-note { font-size: .76rem; color: var(--muted); line-height: 1.3; }
@media (min-width: 1024px) {
  .saver-card:nth-child(2) { margin-top: 2.75rem; }
  .saver-card:nth-child(4) { margin-top: 2.75rem; }
}

/* ---------- lead magnet modal ---------- */
.magnet-modal { position: fixed; inset: 0; z-index: 80; display: flex; align-items: center; justify-content: center; padding: 1.25rem; }
.magnet-modal[hidden] { display: none; }
.magnet-overlay { position: absolute; inset: 0; background: rgba(6,19,31,.55); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.magnet-card {
  position: relative; width: 100%; max-width: 480px; max-height: 90vh; overflow-y: auto;
  background: var(--paper); border-radius: 20px;
  box-shadow: 0 40px 90px -30px rgba(4,13,22,.6);
  animation: quizIn .3s ease both;
}
.magnet-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 3px;
  background: linear-gradient(90deg, var(--primary-light), var(--primary)); }
.magnet-form { padding: 0 1rem; }
.magnet-form iframe { width: 100%; border: none; min-height: 420px; }
.magnet-form .embed-placeholder { border-radius: 14px; margin-bottom: 1rem; }

/* ---------- feature cards + check bullets ---------- */
.card-feature {
  position: relative; overflow: hidden;
  background: linear-gradient(165deg, #fff 0%, var(--accent-soft) 150%);
  border-color: rgba(157,138,99,.28);
  box-shadow: 0 26px 54px -24px rgba(10,33,56,.22);
}
.card-feature::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary-light), var(--primary));
  transform: none;
}
.check-list li { position: relative; padding-left: 1.8rem; line-height: 1.6; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .16em; width: 18px; height: 18px;
  border-radius: 9999px; background: var(--accent-soft); border: 1px solid rgba(157,138,99,.4);
}
.check-list li::after {
  content: ""; position: absolute; left: 4.5px; top: calc(.16em + 4.5px); width: 10px; height: 10px;
  background: var(--primary);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") no-repeat center / contain;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") no-repeat center / contain;
}

/* ---------- link tree page ---------- */
.lt-action {
  display: flex; flex-direction: column; align-items: center; gap: .35rem;
  width: 64px; text-decoration: none; color: rgba(255,255,255,.85); font-size: .74rem; font-weight: 500;
}
.lt-action svg {
  width: 52px; height: 52px; padding: 15px; border-radius: 9999px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);
  transition: background .2s ease, transform .2s ease, border-color .2s ease;
}
.lt-action:hover svg { background: rgba(255,255,255,.16); border-color: var(--accent); transform: translateY(-3px); }
.lt-link {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); border-radius: 14px;
  padding: 1.05rem 1.3rem; min-height: 56px;
  color: #fff; font-weight: 600; font-size: .98rem; text-decoration: none;
  transition: background .2s ease, border-color .2s ease, transform .2s ease;
}
.lt-link:hover { background: rgba(255,255,255,.13); border-color: var(--accent); transform: translateY(-2px); }
.lt-link svg { flex: none; color: var(--accent-bright); transition: transform .2s ease; }
.lt-link:hover svg { transform: translateX(4px); }
.lt-social {
  display: flex; align-items: center; justify-content: center;
  padding: .45rem; color: rgba(255,255,255,.8);
  transition: transform .2s ease, color .2s ease;
}
.lt-social:hover { color: var(--accent-bright); transform: translateY(-3px); }
.lt-qr {
  display: flex; gap: 1.25rem; align-items: center;
  background: #fff; border-radius: 18px; padding: 1.25rem;
  box-shadow: 0 30px 70px -28px rgba(4,13,22,.6);
}
.lt-qr-code { flex: none; width: 128px; height: 128px; border-radius: 12px; overflow: hidden;
  border: 1px solid rgba(26,38,52,.1); }
.lt-qr-code svg, .lt-qr-code img { width: 100%; height: 100%; display: block; }

/* ---------- footer map ---------- */
.footer-map { border-radius: 14px; overflow: hidden; border: 1px solid rgba(255,255,255,.12); aspect-ratio: 16 / 10; max-width: 340px; }
.footer-map iframe { width: 100% !important; height: 100% !important; border: 0; display: block; filter: grayscale(.4) contrast(.95); }

/* ---------- sections ---------- */
.section-dark {
  position: relative; color: #fff;
  background:
    radial-gradient(820px 460px at 100% 0%, var(--glow) 0%, transparent 55%),
    linear-gradient(165deg, var(--primary-dark), var(--primary));
}
.divider-accent { width: 48px; height: 2px; background: var(--accent); }

/* ---------- FAQ ---------- */
.faq-item {
  background: var(--paper); border: 1px solid rgba(28,39,51,.09); border-radius: 12px;
  margin-bottom: .8rem; padding: 0 1.4rem;
  transition: border-color .25s ease, box-shadow .25s ease;
}
.faq-item:hover, .faq-item[open] { border-color: var(--ring); box-shadow: 0 10px 26px -16px rgba(6,19,31,.16); }
.faq-item summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; padding: 1.2rem 0; font-weight: 600; font-size: 1.02rem; min-height: 44px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .faq-plus { flex: none; transition: transform .25s ease; color: var(--primary-light); }
.faq-panel { display: none; }
.faq-panel.active { display: block; animation: quizIn .3s ease both; }
.faq-item[open] summary .faq-plus { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 0 1.3rem; color: var(--muted); line-height: 1.7; }

/* ---------- embeds ---------- */
.embed-shell {
  position: relative; background: var(--paper); border: 1px solid rgba(28,39,51,.09);
  border-radius: 18px; box-shadow: 0 28px 70px -30px rgba(6,19,31,.35); overflow: hidden;
}
.embed-shell::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; z-index: 1;
  background: linear-gradient(90deg, var(--primary-light), var(--primary)); }
.embed-shell iframe { display: block; width: 100%; border: none; }

/* ---------- apply quiz ---------- */
.quiz-option {
  display: flex; align-items: flex-start; gap: 1rem; width: 100%; text-align: left;
  background: var(--paper); border: 1px solid rgba(28,39,51,.12); border-radius: 14px;
  padding: 1.15rem 1.3rem; cursor: pointer; min-height: 44px;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease, background-color .2s ease;
  font: inherit; color: inherit;
}
.quiz-option:hover { border-color: var(--primary-light); box-shadow: 0 14px 30px -18px rgba(6,19,31,.25); transform: translateY(-2px); }
.quiz-option.selected { border-color: var(--primary-light); background: var(--accent-soft); }
.quiz-option .qo-icon { flex: none; width: 44px; height: 44px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  background: var(--accent-soft); color: var(--primary); }
.quiz-option .qo-title { font-weight: 600; font-size: 1.02rem; }
.quiz-option .qo-sub { font-size: .88rem; color: var(--muted); margin-top: .15rem; line-height: 1.5; }
.quiz-step { display: none; }
.quiz-step.active { display: block; animation: quizIn .35s ease both; }
@keyframes quizIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.quiz-progress { height: 3px; background: rgba(28,39,51,.1); border-radius: 2px; overflow: hidden; }
.quiz-progress > div { height: 100%; background: var(--accent); transition: width .35s ease; }
.product-chip {
  display: inline-flex; align-items: center; padding: .5rem 1rem; border-radius: 9999px;
  border: 1px solid rgba(28,39,51,.15); font-size: .86rem; font-weight: 500; cursor: pointer;
  background: var(--paper); color: var(--ink); min-height: 40px;
  transition: border-color .2s ease, background-color .2s ease, color .2s ease;
}
.product-chip:hover { border-color: var(--primary-light); color: var(--primary-light); }
.product-chip.active { background: var(--primary); border-color: var(--primary); color: #fff; }

/* ---------- footer ---------- */
.footer-dark {
  position: relative; color: #fff;
  background:
    radial-gradient(760px 380px at 88% -5%, var(--glow) 0%, transparent 55%),
    radial-gradient(620px 340px at -5% 105%, rgba(255,255,255,.045) 0%, transparent 55%),
    linear-gradient(168deg, var(--primary-dark) 0%, #040d16 95%);
}
.footer-dark::before { content: ""; position: absolute; top: 0; left: 10%; right: 10%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--ring), transparent); }
.footer-watermark {
  position: absolute; right: -1rem; bottom: -2rem;
  font-family: var(--font-display); font-style: italic; font-weight: 600;
  font-size: clamp(9rem, 20vw, 16rem); line-height: 1; color: rgba(255,255,255,.035);
  pointer-events: none; user-select: none;
}
.footer-brand { font-family: var(--font-display); font-size: 1.55rem; font-weight: 500; color: #fff; line-height: 1.2; }
.footer-brand-rule { width: 40px; height: 2px; background: var(--accent); margin: .9rem 0 1rem; }
.footer-link { color: rgba(255,255,255,.68); text-decoration: none; font-size: .93rem; transition: color .2s ease; }
.footer-link:hover { color: var(--accent-bright); }

/* ---------- reveal animations (GSAP toggles) ---------- */
.reveal { opacity: 0; transform: translateY(24px); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1 !important; transform: none !important; }
  .marquee-track { animation: none; }
  html { scroll-behavior: auto; }
  * { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

/* ---------- mobile menu ---------- */
.mobile-menu { transform: translateX(100%); transition: transform .32s cubic-bezier(.4,0,.2,1); }
.mobile-menu.open { transform: translateX(0); }

/* ============================================================
   Slickness pass: motion, color pop, micro-details
   ============================================================ */

/* scroll progress bar */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0; z-index: 60;
  background: linear-gradient(90deg, var(--accent-bright), var(--accent), var(--primary-light));
}

/* button sheen sweep */
.btn { position: relative; overflow: hidden; }
.btn-primary::after, .btn-white::after {
  content: ""; position: absolute; top: 0; left: -80%; width: 45%; height: 100%;
  background: linear-gradient(105deg, transparent, rgba(255,255,255,.5), transparent);
  transform: skewX(-20deg); transition: left .55s ease; pointer-events: none;
}
.btn-primary:hover::after, .btn-white:hover::after { left: 135%; }
.btn-white:hover { box-shadow: 0 0 0 3px var(--ring), 0 14px 34px -12px rgba(4,13,22,.55); }

/* icons flip to gold on hover */
.card:hover .card-icon, .pcard:hover .card-icon, .quiz-option:hover .qo-icon {
  background: linear-gradient(140deg, var(--accent-bright), var(--accent));
  color: var(--primary-dark); border-color: transparent;
}
.qo-icon { transition: background .25s ease, color .25s ease; }

/* step cards: gold bar reveal + gradient numbers */
.step-card { overflow: hidden; }
.step-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary-light), var(--accent));
  transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.step-card { position: relative; }
.step-card:hover::before { transform: scaleX(1); }

/* blended blue-to-gold accents */
.headline-rule { background: linear-gradient(90deg, var(--primary-light), var(--accent)); }
.section-dark .headline-rule, .hero-bg .headline-rule, .stats-band .headline-rule {
  background: linear-gradient(90deg, var(--accent-bright), var(--accent)); }
.embed-shell::before { background: linear-gradient(90deg, var(--primary-light), var(--primary), var(--accent)); }

/* FAQ open state pops */
.faq-item { transition: border-color .25s ease, box-shadow .25s ease, transform .2s ease; }
.faq-item:hover { transform: translateX(3px); }
.faq-item[open] { box-shadow: inset 3px 0 0 var(--accent), 0 12px 30px -16px rgba(6,19,31,.2); }

/* carousel arrows go gold */
.pc-arrow:hover { background: linear-gradient(140deg, var(--accent-bright), var(--accent)); color: var(--primary-dark); border-color: transparent; }

/* headshot: container clips the slow entrance zoom */
.headshot-ring { overflow: hidden; }
.headshot-ring img { will-change: transform; }

/* product chips pop */
.product-chip { transition: border-color .2s ease, background-color .2s ease, color .2s ease, transform .2s ease; }
.product-chip:hover { transform: translateY(-2px); }

/* custom scrollbar */
::-webkit-scrollbar { width: 11px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: linear-gradient(180deg, var(--primary-light), var(--primary)); border-radius: 6px; border: 2px solid var(--cream); }
::-webkit-scrollbar-thumb:hover { background: var(--primary); }
html { scrollbar-color: var(--primary) var(--cream); scrollbar-width: thin; }

/* button arrow nudge */
.btn .btn-arrow { transition: transform .2s ease; }
.btn:hover .btn-arrow { transform: translateX(4px); }

/* scrollspy active nav */
.nav-link.active { color: var(--primary-light); }
.nav-link.active::after { width: 100%; }

/* sticky mobile CTA bar */
.mobile-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 45;
  display: flex; gap: .6rem; padding: .7rem .9rem calc(.7rem + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.96); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 -8px 30px -10px rgba(10,33,56,.25); border-top: 1px solid rgba(26,38,52,.08);
  transform: translateY(110%); transition: transform .35s cubic-bezier(.4,0,.2,1);
}
.mobile-cta.show { transform: translateY(0); }
.mc-call {
  flex: none; display: flex; align-items: center; gap: .45rem;
  padding: .8rem 1.1rem; border-radius: 10px; min-height: 48px;
  border: 1px solid var(--ring); color: var(--primary); font-weight: 600; font-size: .92rem; text-decoration: none;
}
.mc-quote {
  flex: 1; display: flex; align-items: center; justify-content: center;
  padding: .8rem 1rem; border-radius: 10px; min-height: 48px;
  background: linear-gradient(160deg, var(--primary-light), var(--primary));
  color: #fff; font-weight: 600; font-size: .95rem; text-decoration: none;
  box-shadow: 0 8px 22px -10px var(--ring);
}

/* back to top */
.to-top {
  position: fixed; right: 1.1rem; bottom: 1.4rem; z-index: 44;
  width: 46px; height: 46px; border-radius: 9999px;
  display: flex; align-items: center; justify-content: center;
  background: #fff; color: var(--primary); border: 1px solid rgba(26,38,52,.12);
  box-shadow: 0 12px 28px -10px rgba(10,33,56,.35); cursor: pointer;
  opacity: 0; pointer-events: none; transform: translateY(8px);
  transition: opacity .3s ease, transform .3s ease, background .2s ease;
}
.to-top.show { opacity: 1; pointer-events: auto; transform: translateY(0); }
.to-top:hover { background: var(--accent-soft); }
@media (max-width: 1023px) { .to-top { bottom: 5.4rem; } }

/* accessible focus */
:focus-visible { outline: 2px solid var(--primary-light); outline-offset: 3px; border-radius: 4px; }

/* carousel cards: slight tilt lift */
.pcard:hover { transform: translateY(-4px) rotate(-.4deg); }

/* savings pills float gently */
.saver-pill { animation: pillFloat 5s ease-in-out infinite alternate; }
.saver-card:nth-child(even) .saver-pill { animation-delay: 1.2s; }
@keyframes pillFloat { from { transform: translateY(0); } to { transform: translateY(-5px); } }

/* marquee band hairlines */
.marquee { border-top: 1px solid rgba(26,38,52,.05); border-bottom: 1px solid rgba(26,38,52,.05); padding: 1.1rem 0; }

/* ---------- calm motion on touch devices (infinite loops stutter on phone GPUs) ---------- */
@media (max-width: 1023px), (hover: none) {
  .agent-tag { animation: none; }
  .saver-pill { animation: none; }
  .hero-ring, .hero-beam { display: none; }
  .hero-aura { filter: blur(60px); }
}

/* ---------- mobile fit & finish ---------- */
@media (max-width: 640px) {
  .agent-tag { white-space: normal; max-width: 88%; padding: .7rem 1rem; }
  .stats-watermark { font-size: 8rem; right: -2rem; }
  .footer-watermark { font-size: 7rem; }
  .float-badge { padding: .7rem .95rem; }
  .hero-checks { column-gap: 1rem; }
  .lt-qr { flex-direction: column; text-align: center; }
  .pdetail-panel .lg\:sticky { position: static; }
}
@media (max-width: 1023px) {
  .footer-dark { padding-bottom: 6.5rem; } /* clear the sticky CTA bar */
}

@media (prefers-reduced-motion: reduce) {
  .scroll-progress { display: none; }
  .btn-primary::after, .btn-white::after { display: none; }
  .mobile-cta { transition: none; }
}

/* ---------- misc ---------- */
::selection { background: var(--accent); color: #fff; }
img { max-width: 100%; height: auto; }