:root{
  --blue:#2469B4; --blue-d:#1B5391; --navy:#0C2A4A; --navy2:#123C6B;
  --green:#16AA50; --green-d:#0E8A3F;
  --orange:#F5A31B; --orange-l:#F8B133; --orange-d:#DE9008;
  --ink:#14304E; --gray:#5C6F84; --line:#E3ECF5;
  --bg:#F5F9FE; --bg2:#EDF4FC; --white:#ffffff;
  --shadow:0 12px 32px rgba(18,60,107,.10);
  --shadow-lg:0 24px 64px rgba(18,60,107,.16);
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Source Sans 3",-apple-system,BlinkMacSystemFont,Arial,sans-serif;color:var(--ink);background:#fff;overflow-x:hidden}
a{text-decoration:none;color:inherit}
button{cursor:pointer;font-family:inherit}
img,svg{display:block;max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 5%}
.page{display:none}
.page.active{display:block}
h1,h2,h3,h4,.mont{font-family:"Montserrat",Arial,sans-serif}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;color:var(--blue);letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px;font-family:"Montserrat",sans-serif}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:2px;background:linear-gradient(90deg,var(--blue),var(--green))}
.h2{font-size:clamp(28px,3.4vw,42px);font-weight:800;line-height:1.14;color:var(--navy);margin-bottom:16px;letter-spacing:-.01em}
.h2.light{color:#fff}
.sub{font-size:17px;color:var(--gray);line-height:1.7;max-width:640px}
.center{text-align:center}
.center .sub{margin:0 auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:"Montserrat",sans-serif;font-weight:800;font-size:15px;padding:16px 28px;border-radius:12px;border:none;transition:transform .18s ease, box-shadow .18s ease}
.btn-cta{background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy);box-shadow:0 10px 24px rgba(245,163,27,.35)}
.btn-cta:hover{transform:translateY(-2px);box-shadow:0 16px 32px rgba(245,163,27,.45)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(36,105,180,.28)}
.btn-blue:hover{transform:translateY(-2px)}
.btn-ghost{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.btn-ghost:hover{background:var(--bg)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(12,42,74,.35)}
.btn-lg{padding:18px 34px;font-size:16px}
.btn-fw{width:100%}
.btn-sm{padding:12px 20px;font-size:13.5px}
.topbar{position:fixed;top:0;left:0;right:0;z-index:9001;background:var(--navy);height:38px;display:flex;align-items:center;justify-content:center;padding:0 4%}
.topbar-in{width:100%;max-width:1180px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.topbar span,.topbar a{font-size:12.5px;font-weight:600;color:rgba(255,255,255,.72);display:inline-flex;align-items:center;gap:6px}
.topbar a:hover{color:#fff}
.topbar .tb-left{display:flex;gap:22px;align-items:center}
.topbar .dot{width:6px;height:6px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px rgba(22,170,80,.25);display:inline-block}
.topbar svg{width:13px;height:13px;stroke:var(--orange-l);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
nav{position:fixed;top:38px;left:0;right:0;z-index:9000;background:#fff;height:74px;display:flex;align-items:center;justify-content:space-between;padding:0 4%;border-bottom:1px solid var(--line);box-shadow:0 2px 20px rgba(18,60,107,.06)}
.brand{display:flex;align-items:center;gap:11px;cursor:pointer}
.brand .mark{width:44px;height:44px;flex-shrink:0}
.wm{display:flex;flex-direction:column;line-height:1}
.wm1{font-family:"Montserrat",sans-serif;font-weight:900;font-size:19px;color:var(--blue);letter-spacing:.01em}
.wm2{display:flex;gap:5px;margin-top:3px}
.wm2 em{font-style:normal;font-family:"Montserrat",sans-serif;font-weight:800;font-size:9.5px;letter-spacing:.24em}
.wg{color:var(--green)} .wb{color:var(--blue)}
.nav-right{display:flex;align-items:center;gap:8px}
.nav-links{display:flex;align-items:center;gap:0;margin-right:6px}
.nav-links button{background:none;border:none;font-family:"Source Sans 3",sans-serif;font-size:15px;font-weight:600;color:var(--ink);padding:9px 13px;border-radius:9px}
.nav-links button:hover{color:var(--blue);background:var(--bg)}
.nav-links button.active{color:var(--blue)}
.nav-cta{font-size:13.5px;padding:13px 20px}
.hburg{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:8px}
.hburg span{display:block;width:24px;height:2.5px;background:var(--navy);border-radius:2px;transition:all .3s}
.hburg.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.hburg.open span:nth-child(2){opacity:0}
.hburg.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
.mob-menu{display:none;position:fixed;top:112px;left:0;right:0;z-index:8999;background:#fff;flex-direction:column;padding:10px 5% 24px;border-bottom:1px solid var(--line);box-shadow:0 20px 40px rgba(18,60,107,.12);max-height:calc(100vh - 112px);overflow-y:auto}
.mob-menu.open{display:flex}
.mob-menu button{background:none;border:none;font-size:16.5px;font-weight:600;color:var(--ink);padding:14px 4px;border-bottom:1px solid var(--line);text-align:left}
.mob-menu .mcta{margin-top:14px;border:none;border-radius:12px;background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy);font-family:"Montserrat",sans-serif;font-weight:800;font-size:15px;padding:16px;text-align:center}
.pagepad{padding-top:112px}
.hero{background:linear-gradient(165deg,#F7FBFF 0%,#E9F2FB 55%,#E2EEFA 100%);position:relative;overflow:hidden;padding:64px 5% 86px}
.hero::before{content:"";position:absolute;width:760px;height:760px;border-radius:50%;right:-280px;top:-320px;background:radial-gradient(circle,rgba(36,105,180,.12),transparent 65%)}
.hero::after{content:"";position:absolute;width:540px;height:540px;border-radius:50%;left:-240px;bottom:-280px;background:radial-gradient(circle,rgba(22,170,80,.10),transparent 65%)}
.hero-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center;position:relative;z-index:1}
.pill{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--line);border-radius:60px;padding:9px 18px;box-shadow:0 4px 14px rgba(18,60,107,.07);margin-bottom:22px}
.pill i{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(22,170,80,.15)}
.pill span{font-size:12.5px;font-weight:700;color:var(--navy);letter-spacing:.06em;text-transform:uppercase}
.hero h1{font-size:clamp(36px,4.4vw,56px);font-weight:900;line-height:1.07;color:var(--navy);letter-spacing:-.015em;margin-bottom:20px}
.hero h1 .hl{color:var(--blue)}
.hero-sub{font-size:17.5px;color:var(--gray);line-height:1.7;max-width:530px;margin-bottom:24px}
.mini-feats{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:28px}
.mf{display:flex;align-items:center;gap:9px;font-size:14px;font-weight:700;color:var(--navy)}
.mf .mfi{width:34px;height:34px;border-radius:10px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;box-shadow:0 3px 10px rgba(18,60,107,.07)}
.mf svg{width:17px;height:17px;stroke:var(--blue);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.chips{display:flex;flex-wrap:wrap;gap:10px 22px}
.chip{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--navy)}
.ck{width:20px;height:20px;border-radius:50%;flex-shrink:0;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E") center/11px no-repeat}
.xk{width:20px;height:20px;border-radius:50%;flex-shrink:0;background:#E25454 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round'%3E%3Cpath d='M7 7l10 10M17 7L7 17'/%3E%3C/svg%3E") center/10px no-repeat}
.nk{width:20px;height:20px;border-radius:50%;flex-shrink:0;background:#C7D3E0 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round'%3E%3Cpath d='M6 12h12'/%3E%3C/svg%3E") center/10px no-repeat}
.stars{color:var(--orange);letter-spacing:2px;font-size:14px}
.hero-visual{position:relative}
.hero-illo{margin:0 auto -34px;width:88%;filter:drop-shadow(0 24px 40px rgba(18,60,107,.14));animation:float 7s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.fchip{position:absolute;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 34px rgba(18,60,107,.16);padding:12px 16px;display:flex;align-items:center;gap:11px;z-index:3}
.fchip b{display:block;font-family:"Montserrat",sans-serif;font-size:14px;color:var(--navy)}
.fchip span{font-size:11.5px;color:var(--gray)}
.fchip .fci{width:34px;height:34px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.fchip svg{width:17px;height:17px;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.fc1{top:6px;left:-10px;animation:float 6s ease-in-out infinite}
.fc2{top:44%;right:-14px;animation:float 8s ease-in-out infinite .8s}
.qcard{background:#fff;border-radius:22px;box-shadow:var(--shadow-lg);overflow:hidden;border:1px solid var(--line);position:relative;z-index:2}
.qbar{height:6px;background:linear-gradient(90deg,var(--blue) 0 42%,var(--green) 42% 71%,var(--orange) 71% 100%)}
.qbody{padding:30px 32px 26px}
.qtitle{font-family:"Montserrat",sans-serif;font-size:22px;font-weight:800;color:var(--navy);margin-bottom:5px}
.qsub{font-size:13.5px;color:var(--gray);margin-bottom:20px}
.qsub b{color:var(--green-d)}
.fld{margin-bottom:11px}
.fld label{display:block;font-size:11.5px;font-weight:700;color:var(--navy);letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px}
.fld input,.fld select,.fld textarea{width:100%;background:var(--bg);border:1.5px solid var(--line);border-radius:11px;padding:13px 15px;font-family:"Source Sans 3",sans-serif;font-size:15px;color:var(--ink);outline:none;transition:border-color .15s, background .15s;-webkit-appearance:none;appearance:none}
.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(36,105,180,.10)}
.fld select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235C6F84' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:16px}
.fld textarea{resize:vertical;min-height:100px}
.qpriv{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12.5px;color:var(--gray);margin-top:12px}
.qpriv svg{width:13px;height:13px;stroke:var(--green-d);fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
.trustbar{background:#fff;border-bottom:1px solid var(--line);padding:28px 5%}
.trust-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.titem{display:flex;align-items:center;gap:13px}
.tico{width:46px;height:46px;border-radius:13px;flex-shrink:0;display:flex;align-items:center;justify-content:center;background:var(--bg2)}
.tico svg{width:22px;height:22px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.titem b{display:block;font-size:14.5px;color:var(--navy);font-weight:700;line-height:1.25}
.titem span{font-size:12.5px;color:var(--gray)}
.carriers{background:var(--bg);padding:30px 5%;border-bottom:1px solid var(--line)}
.car-in{max-width:1180px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.car-in>span{font-size:13px;font-weight:800;color:var(--gray);letter-spacing:.1em;text-transform:uppercase;font-family:"Montserrat",sans-serif}
.badges{display:flex;gap:14px;flex-wrap:wrap}
.badge{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 16px;font-family:"Montserrat",sans-serif;font-weight:800;font-size:13px;color:var(--navy)}
.badge i{font-style:normal;width:26px;height:26px;border-radius:8px;background:linear-gradient(160deg,var(--blue),var(--navy2));color:#fff;font-size:11px;display:flex;align-items:center;justify-content:center}
.sec{padding:96px 5%}
.sec-tint{padding:96px 5%;background:var(--bg)}
.sec-head{margin-bottom:52px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.scard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px 30px;box-shadow:var(--shadow);transition:transform .2s, box-shadow .2s}
.scard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.sico{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.sico svg{width:26px;height:26px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.sico.b{background:rgba(36,105,180,.10)} .sico.b svg{stroke:var(--blue)}
.sico.g{background:rgba(22,170,80,.10)} .sico.g svg{stroke:var(--green-d)}
.sico.o{background:rgba(245,163,27,.14)} .sico.o svg{stroke:var(--orange-d)}
.scard h3{font-size:19px;font-weight:800;color:var(--navy);margin-bottom:10px}
.scard p{font-size:14.5px;color:var(--gray);line-height:1.7}
.scard .tagline{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px;font-family:"Montserrat",sans-serif}
.dash-band{padding:96px 5%;background:linear-gradient(150deg,var(--navy) 0%,var(--navy2) 55%,var(--blue-d) 100%);position:relative;overflow:hidden}
.dash-band::before{content:"";position:absolute;width:620px;height:620px;border-radius:50%;border:1px solid rgba(255,255,255,.07);right:-200px;top:-260px}
.dash-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}
.dash-grid .eyebrow{color:var(--orange-l)}
.dash-grid .eyebrow::before{background:linear-gradient(90deg,var(--orange-l),var(--green))}
.dash-grid .sub{color:rgba(255,255,255,.72)}
.dash{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:26px;backdrop-filter:blur(6px)}
.dash-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.dash-top b{font-family:"Montserrat",sans-serif;font-size:15px;color:#fff}
.dash-live{display:flex;align-items:center;gap:7px;font-size:11.5px;font-weight:700;color:var(--green);text-transform:uppercase;letter-spacing:.1em}
.dash-live i{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(22,170,80,.2);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 3px rgba(22,170,80,.25)}50%{box-shadow:0 0 0 7px rgba(22,170,80,.08)}}
.dash-main{display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:center;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.10);border-radius:18px;padding:22px;margin-bottom:14px}
.ring-wrap{position:relative;width:132px;height:132px}
.ring-wrap svg{width:132px;height:132px;transform:rotate(-90deg)}
.ring-bg{fill:none;stroke:rgba(255,255,255,.12);stroke-width:11}
.ring-fg{fill:none;stroke:url(#ringg);stroke-width:11;stroke-linecap:round;transition:stroke-dashoffset 1.2s cubic-bezier(.3,.7,.3,1)}
.ring-lbl{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.ring-lbl b{font-family:"Montserrat",sans-serif;font-size:24px;font-weight:900;color:#fff}
.ring-lbl span{font-size:10px;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
.dash-kv b{display:block;font-family:"Montserrat",sans-serif;font-size:26px;font-weight:900;color:#fff}
.dash-kv span{font-size:12.5px;color:rgba(255,255,255,.55)}
.dash-kv .row2{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.dtag{display:inline-flex;align-items:center;gap:6px;background:rgba(22,170,80,.15);border:1px solid rgba(22,170,80,.4);color:#7FE0A8;font-size:11.5px;font-weight:700;border-radius:40px;padding:5px 12px}
.dtag.o{background:rgba(245,163,27,.15);border-color:rgba(245,163,27,.4);color:var(--orange-l)}
.dash-tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.dtile{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.10);border-radius:14px;padding:16px 14px}
.dtile b{display:block;font-family:"Montserrat",sans-serif;font-size:18px;font-weight:900;color:#fff}
.dtile span{font-size:10.5px;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.alist{display:flex;flex-direction:column;gap:14px;margin:26px 0 30px}
.aitem{display:flex;gap:14px;align-items:flex-start}
.aitem .ck{margin-top:2px}
.aitem b{display:block;font-size:15.5px;color:#fff}
.aitem span{font-size:14px;color:rgba(255,255,255,.6);line-height:1.6}
.pcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:32px 26px;box-shadow:var(--shadow);position:relative;display:flex;flex-direction:column;transition:transform .2s, box-shadow .2s}
.pcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.pcard.feat{background:linear-gradient(160deg,var(--blue) 0%,var(--navy2) 100%);border:none}
.pbadge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy);font-family:"Montserrat",sans-serif;font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:6px 16px;border-radius:40px;box-shadow:0 6px 16px rgba(245,163,27,.4);white-space:nowrap}
.pico{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:var(--bg2);margin-bottom:18px}
.pcard.feat .pico{background:rgba(255,255,255,.14)}
.pico svg{width:24px;height:24px;fill:none;stroke:var(--blue);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.pcard.feat .pico svg{stroke:#fff}
.pname{font-family:"Montserrat",sans-serif;font-size:18px;font-weight:800;color:var(--navy);margin-bottom:8px}
.pcard.feat .pname{color:#fff}
.pdesc{font-size:13.5px;color:var(--gray);line-height:1.65;margin-bottom:16px}
.pcard.feat .pdesc{color:rgba(255,255,255,.78)}
.pfeats{display:flex;flex-direction:column;gap:8px;margin-bottom:22px;flex-grow:1}
.pfeat{display:flex;align-items:flex-start;gap:8px;font-size:13.5px;font-weight:600;color:var(--ink)}
.pcard.feat .pfeat{color:rgba(255,255,255,.92)}
.pfeat .ck{width:17px;height:17px;background-size:9px;margin-top:1px}
.plink{font-family:"Montserrat",sans-serif;background:none;border:none;font-size:13.5px;font-weight:800;color:var(--blue);padding:0;text-align:left}
.pcard.feat .plink{color:var(--orange-l)}
.plink:hover{text-decoration:underline}
.cmp{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.cmp table{width:100%;border-collapse:collapse}
.cmp th{font-family:"Montserrat",sans-serif;font-size:13.5px;font-weight:800;padding:20px 16px;text-align:center;border-bottom:2px solid var(--line)}
.cmp th:first-child{text-align:left;padding-left:28px}
.cmp th.hi{background:linear-gradient(160deg,var(--blue),var(--navy2));color:#fff}
.cmp td{padding:16px;text-align:center;border-bottom:1px solid var(--line);font-size:14.5px;font-weight:600;color:var(--ink)}
.cmp td:first-child{text-align:left;padding-left:28px}
.cmp tr:last-child td{border-bottom:none}
.cmp td.hi{background:rgba(36,105,180,.05)}
.cmp .ck,.cmp .xk,.cmp .nk{margin:0 auto}
.cmp-note{font-size:12.5px;color:var(--gray);margin-top:14px;text-align:center}
.swipe-cue{display:none}
.calc{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-lg);overflow:hidden;margin-bottom:34px}
.calc-head{background:linear-gradient(160deg,var(--blue),var(--navy2));padding:28px 36px;display:flex;align-items:center;gap:16px}
.calc-head .chi{width:50px;height:50px;border-radius:14px;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.calc-head svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.calc-head b{display:block;font-family:"Montserrat",sans-serif;font-size:20px;color:#fff}
.calc-head span{font-size:13.5px;color:rgba(255,255,255,.7)}
.calc-body{display:grid;grid-template-columns:1.05fr .95fr;gap:0}
.calc-inputs{padding:34px 36px;border-right:1px solid var(--line)}
.cin{margin-bottom:24px}
.cin-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.cin-top label{font-size:13px;font-weight:700;color:var(--navy);letter-spacing:.04em;text-transform:uppercase}
.cin-top output{font-family:"Montserrat",sans-serif;font-size:17px;font-weight:800;color:var(--blue)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:6px;background:linear-gradient(90deg,var(--blue) var(--p,50%),var(--bg2) var(--p,50%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--blue);box-shadow:0 3px 10px rgba(18,60,107,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--blue);box-shadow:0 3px 10px rgba(18,60,107,.25);cursor:pointer}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:70px;background:var(--bg);border:1.5px solid var(--line);border-radius:11px;padding:11px 8px;font-size:13.5px;font-weight:700;color:var(--gray)}
.seg button.on{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 6px 16px rgba(36,105,180,.3)}
.calc-out{padding:34px 36px;background:linear-gradient(170deg,#F7FBFF,#EDF4FC)}
.co-big{margin-bottom:22px}
.co-big span{font-size:12px;font-weight:800;color:var(--gray);letter-spacing:.12em;text-transform:uppercase;font-family:"Montserrat",sans-serif}
.co-big b{display:block;font-family:"Montserrat",sans-serif;font-size:clamp(34px,3.6vw,46px);font-weight:900;color:var(--navy);letter-spacing:-.01em;line-height:1.1}
.co-big em{font-style:normal;font-size:15px;font-weight:700;color:var(--gray)}
.cbar{margin-bottom:12px}
.cbar-top{display:flex;justify-content:space-between;font-size:13px;font-weight:700;color:var(--ink);margin-bottom:6px}
.cbar-top span:last-child{color:var(--gray)}
.cbar-track{height:10px;border-radius:6px;background:#fff;border:1px solid var(--line);overflow:hidden}
.cbar-fill{height:100%;border-radius:6px;transition:width .8s cubic-bezier(.3,.7,.3,1)}
.cf-b{background:linear-gradient(90deg,var(--blue),#4E8CCB)}
.cf-g{background:linear-gradient(90deg,var(--green),#3FC97A)}
.cf-o{background:linear-gradient(90deg,var(--orange),var(--orange-l))}
.cf-n{background:linear-gradient(90deg,var(--navy2),#2E5E96)}
.calc-note{font-size:12px;color:var(--gray);line-height:1.6;margin-top:18px}
.co-cta{margin-top:22px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px 30px;box-shadow:var(--shadow);text-align:center}
.snum{width:58px;height:58px;margin:0 auto 18px;border-radius:50%;background:linear-gradient(160deg,var(--blue),var(--navy2));color:#fff;font-family:"Montserrat",sans-serif;font-size:22px;font-weight:900;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(36,105,180,.30)}
.step h3{font-size:18px;font-weight:800;color:var(--navy);margin-bottom:10px}
.step p{font-size:14.5px;color:var(--gray);line-height:1.7}
.agent-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center}
.agent-card{background:linear-gradient(160deg,#F2F8FE,#E3EEF9);border:1px solid var(--line);border-radius:24px;padding:52px 40px;text-align:center;box-shadow:var(--shadow)}
.agent-card .mark{width:120px;height:120px;margin:0 auto 20px}
.agent-name{font-family:"Montserrat",sans-serif;font-size:26px;font-weight:800;color:var(--navy)}
.agent-role{font-size:14px;color:var(--gray);margin-top:6px}
.creds{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-top:20px}
.cred{background:var(--navy);color:#fff;font-family:"Montserrat",sans-serif;font-size:11px;font-weight:700;letter-spacing:.05em;padding:7px 14px;border-radius:40px}
.cred.gold{background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy)}
.alist2{display:flex;flex-direction:column;gap:14px;margin:26px 0 30px}
.aitem2{display:flex;gap:14px;align-items:flex-start}
.aitem2 .ck{margin-top:2px}
.aitem2 b{display:block;font-size:15.5px;color:var(--navy)}
.aitem2 span{font-size:14px;color:var(--gray);line-height:1.6}
.sec-navy{padding:96px 5%;background:linear-gradient(150deg,var(--navy) 0%,var(--navy2) 55%,var(--blue-d) 100%);position:relative;overflow:hidden}
.sec-navy::before{content:"";position:absolute;width:600px;height:600px;border-radius:50%;border:1px solid rgba(255,255,255,.07);right:-180px;top:-220px}
.sec-navy .eyebrow{color:var(--orange-l)}
.sec-navy .eyebrow::before{background:linear-gradient(90deg,var(--orange-l),var(--green))}
.tcard{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.13);border-radius:20px;padding:32px;position:relative;z-index:1}
.tcard .stars{margin-bottom:14px;font-size:15px}
.tquote{font-size:15px;color:rgba(255,255,255,.88);line-height:1.75;font-style:italic;margin-bottom:22px}
.tauth{display:flex;align-items:center;gap:13px}
.tav{width:46px;height:46px;border-radius:50%;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-family:"Montserrat",sans-serif;font-weight:800;font-size:17px;color:#fff}
.tav.b{background:var(--blue)} .tav.g{background:var(--green)} .tav.o{background:var(--orange);color:var(--navy)}
.tname{font-size:15px;font-weight:700;color:#fff}
.tdet{font-size:12.5px;color:rgba(255,255,255,.5);margin-top:2px}
.statrow{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:64px;padding-top:56px;border-top:1px solid rgba(255,255,255,.14);position:relative;z-index:1}
.stat{text-align:center}
.stat b{display:block;font-family:"Montserrat",sans-serif;font-size:clamp(30px,3.2vw,44px);font-weight:900;color:#fff}
.stat b em{font-style:normal;color:var(--orange-l)}
.stat span{font-size:13px;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.1em;font-weight:600}
.faq-wrap{max-width:820px;margin:0 auto}
.fitem{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;overflow:hidden;box-shadow:0 4px 16px rgba(18,60,107,.06)}
.fq{display:flex;align-items:center;justify-content:space-between;gap:14px;width:100%;background:none;border:none;padding:22px 26px;font-family:"Source Sans 3",sans-serif;font-size:16.5px;font-weight:700;color:var(--navy);text-align:left}
.farr{width:30px;height:30px;border-radius:50%;background:var(--bg2);flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:transform .3s,background .3s}
.farr svg{width:15px;height:15px;stroke:var(--blue);stroke-width:2.5;fill:none;stroke-linecap:round;stroke-linejoin:round}
.fa{max-height:0;overflow:hidden;transition:max-height .45s ease, padding .3s ease;font-size:15px;color:var(--gray);line-height:1.75;padding:0 26px}
.fitem.open .fa{max-height:600px;padding:0 26px 24px}
.fitem.open .farr{transform:rotate(180deg);background:var(--blue)}
.fitem.open .farr svg{stroke:#fff}
.gcard{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);margin-bottom:18px}
.gq{display:flex;align-items:center;gap:18px;width:100%;background:none;border:none;padding:24px 28px;text-align:left}
.gq .gico{width:52px;height:52px;border-radius:14px;flex-shrink:0;display:flex;align-items:center;justify-content:center;background:var(--bg2)}
.gq .gico svg{width:24px;height:24px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.gq .gtxt{flex-grow:1}
.gq b{display:block;font-family:"Montserrat",sans-serif;font-size:17px;font-weight:800;color:var(--navy)}
.gq span{font-size:13.5px;color:var(--gray);margin-top:3px;display:block}
.gq .gmin{font-size:11.5px;font-weight:800;color:var(--blue);background:var(--bg2);border-radius:40px;padding:5px 12px;white-space:nowrap;font-family:"Montserrat",sans-serif}
.ga{max-height:0;overflow:hidden;transition:max-height .5s ease;font-size:15px;color:var(--gray);line-height:1.8}
.ga-in{padding:0 28px 28px}
.ga-in p{margin-bottom:14px}
.ga-in b{color:var(--navy)}
.gcard.open .ga{max-height:1200px}
.ga-cta{display:inline-flex;margin-top:6px}
.cta-band{padding:88px 5%;background:linear-gradient(135deg,var(--orange) 0%,var(--orange-l) 60%,#FBC35C 100%);text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;width:480px;height:480px;border-radius:50%;border:2px solid rgba(255,255,255,.25);right:-140px;top:-200px}
.cta-band h2{font-size:clamp(27px,3.3vw,42px);font-weight:900;color:var(--navy);letter-spacing:-.01em;margin-bottom:14px;position:relative}
.cta-band p{font-size:17.5px;color:rgba(12,42,74,.75);margin-bottom:32px;position:relative}
.cta-band .or{display:block;margin-top:18px;font-size:15px;color:rgba(12,42,74,.75);position:relative}
.cta-band .or a{font-weight:800;color:var(--navy);text-decoration:underline}
.phero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy2) 60%,var(--blue-d) 100%);padding:76px 5% 68px;text-align:center;position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;border:1px solid rgba(255,255,255,.08);right:-160px;top:-260px}
.phero .eyebrow{color:var(--orange-l)}
.phero .eyebrow::before{background:linear-gradient(90deg,var(--orange-l),var(--green))}
.phero h1{font-size:clamp(30px,3.8vw,48px);font-weight:900;color:#fff;letter-spacing:-.01em;margin-bottom:16px;position:relative}
.phero p{font-size:17px;color:rgba(255,255,255,.72);max-width:640px;margin:0 auto;line-height:1.7;position:relative}
.cov-row{display:grid;grid-template-columns:250px 1fr;gap:48px;background:#fff;border:1px solid var(--line);border-radius:24px;padding:46px;margin-bottom:26px;box-shadow:var(--shadow)}
.cov-left{text-align:center}
.cov-tile{width:86px;height:86px;margin:0 auto 18px;border-radius:22px;display:flex;align-items:center;justify-content:center;background:linear-gradient(160deg,var(--blue),var(--navy2));box-shadow:0 14px 30px rgba(36,105,180,.30)}
.cov-tile svg{width:40px;height:40px;fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cov-tile.g{background:linear-gradient(160deg,var(--green),var(--green-d));box-shadow:0 14px 30px rgba(22,170,80,.30)}
.cov-tile.o{background:linear-gradient(160deg,var(--orange-l),var(--orange-d));box-shadow:0 14px 30px rgba(245,163,27,.35)}
.cov-name{font-family:"Montserrat",sans-serif;font-size:21px;font-weight:800;color:var(--navy)}
.cov-tag{display:inline-block;margin-top:10px;background:var(--bg2);color:var(--blue);font-family:"Montserrat",sans-serif;font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:6px 14px;border-radius:40px}
.cov-right h4{font-family:"Montserrat",sans-serif;font-size:12px;font-weight:800;color:var(--orange-d);letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.cov-right>p{font-size:15.5px;color:var(--gray);line-height:1.75;margin-bottom:22px}
.cov-feats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:26px}
.cov-feat{display:flex;align-items:flex-start;gap:9px;font-size:14px;font-weight:600;color:var(--ink)}
.cov-feat .ck{width:19px;height:19px;background-size:10px;margin-top:1px}
.helper{background:linear-gradient(160deg,#F2F8FE,#E3EEF9);border:1px solid var(--line);border-radius:20px;padding:30px 36px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:8px}
.helper b{font-family:"Montserrat",sans-serif;font-size:18px;color:var(--navy);display:block;margin-bottom:5px}
.helper span{font-size:14.5px;color:var(--gray)}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;align-items:start}
.cmethods{display:flex;flex-direction:column;gap:14px;margin-bottom:34px}
.cm{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;box-shadow:0 4px 16px rgba(18,60,107,.06)}
.cm-ico{width:46px;height:46px;border-radius:13px;flex-shrink:0;display:flex;align-items:center;justify-content:center;background:var(--bg2)}
.cm-ico svg{width:21px;height:21px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.cm-lab{font-size:11px;font-weight:800;color:var(--blue);letter-spacing:.12em;text-transform:uppercase;font-family:"Montserrat",sans-serif}
.cm-val{font-size:16px;font-weight:700;color:var(--navy);margin-top:2px}
.next-steps{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px 26px 14px;box-shadow:0 4px 16px rgba(18,60,107,.06)}
.next-steps h4{font-size:15px;font-weight:800;color:var(--navy);margin-bottom:16px}
.ns{display:flex;gap:13px;margin-bottom:16px}
.ns i{width:26px;height:26px;flex-shrink:0;border-radius:50%;background:var(--bg2);color:var(--blue);font-style:normal;font-family:"Montserrat",sans-serif;font-weight:800;font-size:12.5px;display:flex;align-items:center;justify-content:center}
.ns p{font-size:14px;color:var(--gray);line-height:1.6;padding-top:2px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);overflow:hidden}
.form-body{padding:38px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fsuccess{display:none;text-align:center;padding:64px 36px}
.fsuccess.show{display:block}
.fsuccess .bigck{width:76px;height:76px;margin:0 auto 22px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E") center/34px no-repeat;box-shadow:0 14px 34px rgba(22,170,80,.35)}
.fsuccess h3{font-size:26px;font-weight:800;color:var(--navy);margin-bottom:12px}
.fsuccess p{font-size:15.5px;color:var(--gray);line-height:1.7;max-width:400px;margin:0 auto}
footer{background:var(--navy);padding:70px 5% 30px}
.fgrid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:44px;margin-bottom:48px}
.fbrand .brand{margin-bottom:16px}
.fbrand .wm1{color:#fff}
.fbrand p{font-size:14px;color:rgba(255,255,255,.45);line-height:1.7;max-width:300px}
.fcol h4{font-size:11.5px;font-weight:800;color:var(--orange-l);letter-spacing:.16em;text-transform:uppercase;margin-bottom:18px}
.fcol a{display:block;font-size:14px;color:rgba(255,255,255,.55);margin-bottom:11px;cursor:pointer;transition:color .15s}
.fcol a:hover{color:#fff}
.fbottom{max-width:1180px;margin:0 auto;border-top:1px solid rgba(255,255,255,.10);padding-top:24px}
.fbottom p{font-size:12.5px;color:rgba(255,255,255,.32);line-height:1.7}
.fbottom .row{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:8px}
.mbar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:9500;grid-template-columns:1fr 1fr;box-shadow:0 -6px 24px rgba(12,42,74,.18)}
.mbar a,.mbar button{display:flex;align-items:center;justify-content:center;gap:8px;padding:17px;font-family:"Montserrat",sans-serif;font-weight:800;font-size:14.5px;border:none}
.mbar .call{background:var(--navy);color:#fff}
.mbar .quote{background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy)}
.mbar svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
#toast{position:fixed;top:128px;right:22px;z-index:9999;background:var(--navy);color:#fff;padding:15px 22px;border-radius:13px;font-size:14.5px;font-weight:600;border-left:4px solid var(--orange);box-shadow:0 14px 40px rgba(12,42,74,.35);transform:translateX(130%);transition:transform .4s cubic-bezier(.2,.8,.25,1);max-width:320px}
#toast.show{transform:translateX(0)}
.rv{opacity:0;transform:translateY(22px);transition:opacity .65s ease, transform .65s ease}
.rv.in{opacity:1;transform:none}
@media(max-width:1060px){
  .topbar .tb-left span:nth-child(2){display:none}
  .nav-links{display:none}
  .nav-cta{display:none}
  .hburg{display:flex}
  .hero-grid,.agent-grid,.contact-grid,.dash-grid,.calc-body{grid-template-columns:1fr}
  .calc-inputs{border-right:none;border-bottom:1px solid var(--line)}
  .grid3,.steps{grid-template-columns:1fr}
  .grid4{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:1fr 1fr;gap:22px}
  .cov-row{grid-template-columns:1fr;gap:30px}
  .cov-left{text-align:left;display:flex;align-items:center;gap:20px}
  .cov-tile{margin:0}
  .statrow{grid-template-columns:1fr 1fr;gap:34px}
  .fgrid{grid-template-columns:1fr 1fr}
  .hero-illo{display:none}
  .fchip{display:none}
}
@media(max-width:640px){
  .topbar .tb-left span:nth-child(3){display:none}
  .topbar .tb-right span{display:none}
  .sec,.sec-tint,.sec-navy,.dash-band{padding:64px 5%}
  .hero{padding:48px 5% 60px}
  .grid4,.trust-grid{grid-template-columns:1fr}
  .cov-feats,.frow{grid-template-columns:1fr}
  .qbody,.form-body{padding:26px 20px}
  .cov-row{padding:30px 24px}
  .fgrid{grid-template-columns:1fr}
  .mbar{display:grid}
  body{padding-bottom:56px}
  .hero-btns .btn{width:100%}
  .calc-inputs,.calc-out{padding:26px 22px}
  .dash-tiles{grid-template-columns:1fr 1fr}
  .cmp{overflow-x:auto}
  .cmp table{min-width:560px}
  .gq{padding:20px 20px}
  .gq .gmin{display:none}
  .ga-in{padding:0 20px 24px}
}

/* ════════════════════════════════════════════════════
   PART 2 — MEDIA COMPONENTS + MOBILE OVERHAUL
   Loaded after base rules; overrides intentionally.
   ════════════════════════════════════════════════════ */

/* ---------- IMAGE / VIDEO PLACEHOLDERS ----------
   Each .ph is a drop-in slot. To go live, replace the whole
   <div class="ph ..."> block with the <img> tag written in
   the HTML comment directly above it. See IMAGE-SHOT-LIST.md
------------------------------------------------- */
.ph{
  position:relative;width:100%;border-radius:18px;overflow:hidden;
  background:
    repeating-linear-gradient(45deg,rgba(36,105,180,.045) 0 12px,rgba(36,105,180,.09) 12px 24px),
    linear-gradient(160deg,#EDF4FC,#DCEAF7);
  border:2px dashed rgba(36,105,180,.38);
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;padding:22px;gap:6px;min-height:150px;
}
.ph::after{content:"";position:absolute;inset:0;box-shadow:inset 0 0 60px rgba(36,105,180,.06);pointer-events:none}
.ph svg{width:34px;height:34px;stroke:var(--blue);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;opacity:.75;margin-bottom:2px}
.ph b{font-family:"Montserrat",sans-serif;font-size:13px;font-weight:800;color:var(--blue-d);letter-spacing:.04em;line-height:1.35}
.ph span{font-size:11.5px;color:var(--gray);line-height:1.5;max-width:280px}
.ph code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:10.5px;background:rgba(36,105,180,.10);color:var(--blue-d);padding:3px 8px;border-radius:6px;letter-spacing:.02em}
.ph-16x9{aspect-ratio:16/9}
.ph-4x3{aspect-ratio:4/3}
.ph-3x2{aspect-ratio:3/2}
.ph-1x1{aspect-ratio:1/1}
.ph-21x9{aspect-ratio:21/9}
.ph-round{border-radius:50%;aspect-ratio:1/1}
.ph-dark{background:
    repeating-linear-gradient(45deg,rgba(255,255,255,.03) 0 12px,rgba(255,255,255,.07) 12px 24px),
    linear-gradient(160deg,rgba(255,255,255,.07),rgba(255,255,255,.02));
  border-color:rgba(255,255,255,.28)}
.ph-dark b{color:#fff}
.ph-dark span{color:rgba(255,255,255,.62)}
.ph-dark svg{stroke:var(--orange-l);opacity:.9}
.ph-dark code{background:rgba(255,255,255,.12);color:var(--orange-l)}
.ph-video{border-style:solid;border-color:rgba(245,163,27,.55)}
.ph-video svg{stroke:var(--orange-d)}
.ph-tag{position:absolute;top:12px;left:12px;background:var(--blue);color:#fff;font-family:"Montserrat",sans-serif;font-size:9.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:5px 10px;border-radius:30px}
.ph-video .ph-tag{background:var(--orange-d)}
.ph-dark .ph-tag{background:var(--orange)}
/* live images use the same slots */
.slot-img{width:100%;height:100%;object-fit:cover;display:block;border-radius:18px}

/* ---------- PHOTO HERO BAND (home) ---------- */
.photo-hero{position:relative;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg)}
.photo-hero .ph{min-height:340px;border-radius:24px}

/* ---------- ALTERNATING PHOTO / TEXT SECTION ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.rev .split-media{order:2}
.split-copy .h2{margin-bottom:14px}
.split-media{position:relative}
.split-badge{position:absolute;bottom:-18px;left:-18px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);padding:16px 20px;display:flex;align-items:center;gap:12px;z-index:2}
.split-badge .sbi{width:40px;height:40px;border-radius:12px;background:rgba(22,170,80,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.split-badge svg{width:19px;height:19px;stroke:var(--green-d);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.split-badge b{display:block;font-family:"Montserrat",sans-serif;font-size:15px;color:var(--navy)}
.split-badge span{font-size:12px;color:var(--gray)}

/* ---------- VIDEO BAND ---------- */
.vidband{max-width:900px;margin:0 auto}
.vidband .ph{min-height:0}

/* ---------- COVERAGE ROW PHOTO ---------- */
.cov-media{margin-top:20px}
.cov-media .ph{min-height:130px}

/* ---------- AGENT PHOTO ---------- */
.agent-card .ph-round{width:150px;height:150px;margin:0 auto 20px;min-height:0;padding:14px}
.agent-card .ph-round b{font-size:11.5px}
.agent-card .ph-round span,.agent-card .ph-round code{display:none}
.agent-card .ph-round svg{width:26px;height:26px;margin:0}

/* ---------- LEARN CARD THUMBS ---------- */
.gq .gthumb{width:86px;flex-shrink:0}
.gq .gthumb .ph{min-height:0;padding:8px;border-radius:12px}
.gq .gthumb .ph b,.gq .gthumb .ph span,.gq .gthumb .ph code,.gq .gthumb .ph-tag{display:none}
.gq .gthumb .ph svg{width:22px;height:22px;margin:0}

/* ---------- TESTIMONIAL PHOTO SLOT ---------- */
.tav-ph{width:46px;height:46px;flex-shrink:0}
.tav-ph .ph{min-height:0;padding:0;border-radius:50%;aspect-ratio:1/1}
.tav-ph .ph b,.tav-ph .ph span,.tav-ph .ph code{display:none}
.tav-ph .ph svg{width:18px;height:18px;margin:0}

/* ---------- CARRIER LOGO STRIP ---------- */
.logostrip{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:26px}
.logostrip .ph{min-height:70px;border-radius:12px;padding:10px}
.logostrip .ph b{font-size:10.5px}
.logostrip .ph span,.logostrip .ph code,.logostrip .ph-tag{display:none}
.logostrip .ph svg{width:20px;height:20px;margin:0}

/* ════════════════════════════════════════════════════
   MOBILE OVERHAUL — everything below 1060px
   ════════════════════════════════════════════════════ */
@media(max-width:1060px){
  .split,.split.rev{grid-template-columns:1fr;gap:32px}
  .split.rev .split-media{order:0}
  .split-badge{position:static;margin-top:14px;box-shadow:var(--shadow)}
  .logostrip{grid-template-columns:repeat(3,1fr)}
  /* RESTORE the hero illustration on tablets/phones */
  .hero-illo{display:block;width:74%;max-width:420px;margin:0 auto 22px}
  .hero-visual{display:flex;flex-direction:column}
  /* floating chips become a static proof row */
  .fchip{display:flex;position:static;width:100%;margin:0 0 10px;animation:none;box-shadow:0 6px 18px rgba(18,60,107,.10)}
  .hero-visual .fchip{order:-1}
}

@media(max-width:760px){
  /* --- compact fixed header: 34 + 60 = 94px --- */
  .topbar{height:34px;padding:0 16px}
  .topbar .tb-left{gap:0}
  .topbar .tb-left span:not(:first-child){display:none}
  .topbar .tb-left span:first-child{font-size:11.5px}
  .topbar .tb-right a[href^="mailto"]{display:none}
  .topbar .tb-right{gap:0}
  .topbar .tb-right a span{display:none}
  .topbar .tb-right b{font-size:12.5px}
  nav{top:34px;height:60px;padding:0 16px}
  .brand .mark{width:36px;height:36px}
  .wm1{font-size:16px}
  .wm2 em{font-size:8px;letter-spacing:.18em}
  .pagepad{padding-top:94px}
  .mob-menu{top:94px;max-height:calc(100vh - 94px)}
  #toast{top:106px;right:12px;left:12px;max-width:none}
  .hburg{padding:10px;margin-right:-6px}

  /* --- typographic scale --- */
  .hero h1{font-size:clamp(29px,8.4vw,38px);line-height:1.12}
  .hero-sub{font-size:16px}
  .h2{font-size:clamp(24px,6.6vw,31px);line-height:1.2}
  .sub{font-size:15.5px}
  .phero h1{font-size:clamp(26px,7.4vw,34px)}
  .phero p{font-size:15.5px}
  .cta-band h2{font-size:clamp(23px,6.4vw,30px)}
  .cta-band p{font-size:16px}
  .qtitle{font-size:19px}

  /* --- spacing --- */
  .sec,.sec-tint,.sec-navy,.dash-band{padding:52px 18px}
  .hero{padding:34px 18px 46px}
  .wrap{padding:0}
  .sec-head{margin-bottom:32px}
  .cta-band{padding:60px 18px}
  .phero{padding:52px 18px 46px}
  .trustbar,.carriers{padding:24px 18px}

  /* --- tap targets (48px min) --- */
  .btn{padding:16px 22px;min-height:52px}
  .btn-lg{padding:17px 24px;font-size:15.5px;min-height:54px}
  .btn-sm{min-height:46px}
  .hero-btns{flex-direction:column;gap:10px}
  .hero-btns .btn{width:100%}
  .nav-links button,.mob-menu button{min-height:50px}
  .seg button{min-height:50px;font-size:14px}
  .fq{padding:20px 18px;font-size:16px;min-height:60px}
  .gq{padding:18px;gap:14px}
  .fld input,.fld select,.fld textarea{padding:15px 15px;font-size:16px} /* 16px stops iOS zoom-on-focus */
  input[type=range]{height:10px}
  input[type=range]::-webkit-slider-thumb{width:30px;height:30px}

  /* --- cards & grids --- */
  .grid3,.grid4,.steps,.trust-grid,.cov-feats,.frow{grid-template-columns:1fr}
  .scard{padding:26px 22px}
  .pcard{padding:26px 20px}
  .step{padding:28px 22px}
  .tcard{padding:24px 20px}
  .cov-row{padding:26px 20px;gap:22px}
  .cov-left{flex-direction:row;align-items:center;gap:16px}
  .cov-tile{width:64px;height:64px;border-radius:16px}
  .cov-tile svg{width:30px;height:30px}
  .helper{padding:24px 20px;flex-direction:column;align-items:flex-start;gap:16px}
  .helper .btn{width:100%}
  .agent-card{padding:34px 22px}
  .qbody,.form-body{padding:24px 18px}
  .calc-inputs,.calc-out{padding:24px 18px}
  .calc-head{padding:22px 18px;gap:12px}
  .calc-head b{font-size:17px}
  .calc-head span{font-size:12.5px}
  .co-big b{font-size:34px}
  .next-steps{padding:22px 20px 10px}
  .dash{padding:20px 16px}
  .dash-main{grid-template-columns:1fr;justify-items:center;text-align:center;gap:16px;padding:20px 16px}
  .dash-kv .row2{justify-content:center}
  .dash-tiles{grid-template-columns:1fr 1fr}
  .dash-tiles .dtile:last-child{grid-column:1/-1}
  .statrow{grid-template-columns:1fr 1fr;gap:26px;margin-top:44px;padding-top:40px}
  .logostrip{grid-template-columns:repeat(2,1fr)}
  .fgrid{grid-template-columns:1fr;gap:30px;margin-bottom:34px}

  /* --- comparison table: horizontal scroll with cue --- */
  .cmp-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:22px}
  .cmp{border-radius:22px}
  .cmp table{min-width:600px}
  .cmp th,.cmp td{padding:14px 10px;font-size:13px}
  .cmp th:first-child,.cmp td:first-child{padding-left:16px}
  .swipe-cue{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12px;font-weight:700;color:var(--blue);margin-top:12px}
  .swipe-cue svg{width:15px;height:15px;stroke:var(--blue);fill:none;stroke-width:2.2}

  /* --- media placeholders --- */
  .ph{min-height:120px;padding:16px;border-radius:14px}
  .ph b{font-size:12px}
  .ph span{font-size:11px}
  .photo-hero .ph{min-height:220px;border-radius:18px}
  .gq .gthumb{width:60px}

  /* --- sticky mobile bar --- */
  .mbar{display:grid}
  body{padding-bottom:62px}
  .mbar a,.mbar button{padding:19px 10px;font-size:14px}
}

@media(max-width:400px){
  .sec,.sec-tint,.sec-navy,.dash-band,.hero,.cta-band,.phero{padding-left:14px;padding-right:14px}
  .hero h1{font-size:27px}
  .chips{gap:8px 14px}
  .chip{font-size:13px}
  .mini-feats{gap:12px}
  .mf{font-size:13px}
  .dash-tiles{grid-template-columns:1fr}
  .dash-tiles .dtile:last-child{grid-column:auto}
  .statrow{grid-template-columns:1fr}
  .badge{font-size:12px;padding:9px 12px}
}

/* ---- nav links are real anchors now ---- */
.nav-links a{font-family:"Source Sans 3",sans-serif;font-size:15px;font-weight:600;color:var(--ink);padding:9px 13px;border-radius:9px;display:inline-flex;align-items:center}
.nav-links a:hover{color:var(--blue);background:var(--bg)}
.nav-links a.active{color:var(--blue)}
.mob-menu a{font-size:16.5px;font-weight:600;color:var(--ink);padding:14px 4px;border-bottom:1px solid var(--line);display:block}
.mob-menu a.active{color:var(--blue)}
.mob-menu a.mcta{margin-top:14px;border:none;border-radius:12px;background:linear-gradient(180deg,var(--orange-l),var(--orange));color:var(--navy);font-family:"Montserrat",sans-serif;font-weight:800;font-size:15px;padding:16px;text-align:center}
a.brand{text-decoration:none}
a.nav-cta{text-decoration:none}
.page{display:block}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:6px}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}

.consent{display:flex;gap:11px;align-items:flex-start;margin:6px 0 16px;cursor:pointer}
.consent input{width:22px;height:22px;flex-shrink:0;margin-top:2px;accent-color:var(--blue);cursor:pointer}
.consent span{font-size:11.5px;color:var(--gray);line-height:1.55}
.consent b{color:var(--ink)}
.consent a{color:var(--blue);text-decoration:underline}
.legal-body{max-width:820px;margin:0 auto}
.legal-body h2{font-family:"Montserrat",sans-serif;font-size:21px;color:var(--navy);margin:34px 0 12px}
.legal-body p,.legal-body li{font-size:15.5px;color:var(--gray);line-height:1.8;margin-bottom:12px}
.legal-body ul{padding-left:22px;margin-bottom:12px}
.legal-body .note{background:var(--bg2);border-left:4px solid var(--orange);border-radius:10px;padding:18px 20px;font-size:14px;color:var(--ink)}
@media(max-width:760px){.consent input{width:26px;height:26px}}

/* ══════ PHASE 2 — real media wiring ══════ */
.ph-frame{position:relative;width:100%;border-radius:18px;overflow:hidden;display:block}
.ph-frame.ph-round{border-radius:50%}
.photo-hero .ph-frame{border-radius:24px}

/* emotion band — full-bleed photo w/ scrim + centered message */
.emotion-band{position:relative;min-height:440px;display:flex;align-items:center;justify-content:center;text-align:center;background-image:var(--bgimg);background-size:cover;background-position:center;overflow:hidden}
.emotion-band::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(12,42,74,.55) 0%,rgba(12,42,74,.72) 60%,rgba(12,42,74,.88) 100%)}
.emotion-band-in{position:relative;z-index:1;max-width:640px;padding:0 24px}
.emotion-band .eyebrow{color:var(--orange-l);justify-content:center}
.emotion-band .eyebrow::before{background:linear-gradient(90deg,var(--orange-l),var(--green))}
.emotion-band h2{color:#fff;margin-bottom:16px}
.emotion-band p{color:rgba(255,255,255,.82);font-size:17px;line-height:1.7;margin-bottom:28px}

/* video loop band — silent decorative autoplay */
.video-loop-band{background:var(--bg);padding:80px 5%}
.vlb-in{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.vlb-media{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg)}
.vlb-media video{width:100%;display:block;aspect-ratio:16/9;object-fit:cover;background:#000}
.vlb-badge{position:absolute;bottom:14px;left:14px;background:rgba(12,42,74,.72);backdrop-filter:blur(4px);color:#fff;font-family:"Montserrat",sans-serif;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:7px 13px;border-radius:30px;display:flex;align-items:center;gap:7px}
.vlb-badge i{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px rgba(22,170,80,.3)}

/* phero with photo background */
.phero-photo{background-image:linear-gradient(155deg,rgba(12,42,74,.90) 0%,rgba(18,60,107,.84) 55%,rgba(27,83,145,.78) 100%),var(--bgimg);background-size:cover;background-position:center}

/* cta band with photo background */
.cta-photo{background-image:linear-gradient(135deg,rgba(245,163,27,.93) 0%,rgba(248,177,51,.88) 55%,rgba(251,195,92,.82) 100%),var(--bgimg);background-size:cover;background-position:center}

@media(max-width:1060px){
  .vlb-in{grid-template-columns:1fr;gap:22px}
}
@media(max-width:760px){
  .emotion-band{min-height:340px}
  .emotion-band h2{font-size:clamp(22px,6.4vw,28px)}
  .video-loop-band{padding:52px 18px}
}

/* Learn page thumbnails: solid icon tiles, not "upload here" dashed placeholders */
.gq .gthumb .ph{border-style:solid;border-color:var(--line);background:var(--bg2)}
.gq .gthumb .ph svg{stroke:var(--blue);opacity:1}

/* Fix: coverage-row photos were getting squeezed into the icon+name flex row on mobile
   instead of stacking below it. Force them onto their own full-width line. */
@media(max-width:1060px){
  .cov-left{flex-wrap:wrap}
  .cov-media{flex:1 1 100%;width:100%;margin-top:16px}
}