/* =====================================================================
   Tyler Andrew Insurance Agency — Coastal Editorial
   Design system source of truth: .stitch/DESIGN.md
   ===================================================================== */

:root {
  /* Brand palette */
  --navy: #103A5C;
  --navy-ink: #0B2236;
  --trust: #1F6FB2;
  --sky: #5EA7E5;
  --teal: #1D8A8A;
  --green: #3E8E63;
  --gold: #D8A24A;
  --white: #F8FAFC;
  --gray-100: #E8EDF2;
  --graphite: #2D3748;
  --line: rgba(16, 58, 92, 0.10);
  --line-light: rgba(248, 250, 252, 0.16);

  /* Roles */
  --bg: var(--white);
  --ink: var(--navy-ink);
  --muted: #5B6B7C;
  --muted-light: rgba(248, 250, 252, 0.72);

  /* Type */
  --display: "Fraunces", Georgia, serif;
  --ui: "Outfit", system-ui, sans-serif;

  /* Rhythm */
  --container: 1240px;
  --gutter: clamp(1.25rem, 5vw, 4rem);
  --section-y: clamp(4.5rem, 10vw, 9rem);
  --radius: 18px;
  --radius-lg: 26px;

  /* Motion */
  --ease-spring: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --shadow-card: 0 18px 50px -28px rgba(16, 58, 92, 0.45);
  --shadow-card-h: 0 34px 70px -30px rgba(16, 58, 92, 0.55);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--ui);
  background: var(--bg);
  color: var(--graphite);
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; padding: 0; }
button { font: inherit; color: inherit; cursor: pointer; border: none; background: none; }
em { font-style: italic; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }

.skip-link {
  position: absolute; left: 1rem; top: -3rem; z-index: 1000;
  background: var(--navy); color: #fff; padding: .6rem 1rem; border-radius: 8px;
  transition: top .2s;
}
.skip-link:focus { top: 1rem; }

:focus-visible {
  outline: 2px solid var(--trust);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- Grain overlay ---------- */
.grain {
  position: fixed; inset: 0; z-index: 9999; pointer-events: none;
  opacity: .035; mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* ---------- Type primitives ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  font-size: .74rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase;
  color: var(--trust); margin-bottom: 1.1rem;
}
.eyebrow--light { color: var(--sky); }
.tick {
  width: 26px; height: 2px; background: var(--gold); display: inline-block; border-radius: 2px;
  position: relative; overflow: hidden;
}
.tick::after {
  content: ""; position: absolute; inset: 0; background: var(--white); transform: translateX(-101%);
  animation: tickSlide 3.6s var(--ease-out) infinite;
}
@keyframes tickSlide { 0%,70% { transform: translateX(-101%); } 85%,100% { transform: translateX(101%); } }

.section { padding-block: var(--section-y); position: relative; }
.section__head { max-width: 640px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section__head--center { margin-inline: auto; text-align: center; }
.section__head--center .eyebrow { justify-content: center; }
.section__title {
  font-family: var(--display); font-weight: 500; color: var(--navy);
  font-size: clamp(2rem, 4.6vw, 3.4rem); line-height: 1.05; letter-spacing: -0.015em;
  font-optical-sizing: auto;
}
.section__intro { margin-top: 1.4rem; font-size: clamp(1.02rem, 1.5vw, 1.18rem); color: var(--muted); max-width: 56ch; }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--trust); --fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--ui); font-weight: 600; font-size: .98rem; letter-spacing: .005em;
  background: var(--bg); color: var(--fg);
  padding: .9rem 1.5rem; border-radius: 12px;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease-spring), box-shadow .25s var(--ease-spring), background .25s, color .25s;
  will-change: transform;
}
.btn--lg { padding: 1.05rem 1.9rem; font-size: 1.02rem; }
.btn--primary { background: var(--trust); box-shadow: 0 12px 30px -14px rgba(31, 111, 178, .8); }
.btn--primary:hover { background: #1a5f9b; transform: translateY(-2px); box-shadow: 0 18px 38px -14px rgba(31, 111, 178, .85); }
.btn--primary:active { transform: translateY(0); }
.btn--gold { background: var(--gold); color: var(--navy-ink); box-shadow: 0 14px 34px -16px rgba(216,162,74,.85); }
.btn--gold:hover { background: #e6b35e; transform: translateY(-2px); }
.btn--gold:active { transform: translateY(0); }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--outline:hover { border-color: var(--navy); background: var(--navy); color: #fff; transform: translateY(-2px); }
.btn--ghost-light { background: rgba(248,250,252,.08); color: #fff; border-color: rgba(248,250,252,.45); backdrop-filter: blur(6px); }
.btn--ghost-light:hover { background: rgba(248,250,252,.16); border-color: #fff; transform: translateY(-2px); }

/* ---------- Brand ---------- */
.brand { display: inline-flex; align-items: center; gap: .7rem; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 11px; flex: none;
  display: grid; place-items: center;
  font-family: var(--display); font-weight: 600; font-size: 1.05rem; letter-spacing: .02em;
  color: #fff; background: linear-gradient(150deg, var(--trust), var(--navy));
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.12), 0 6px 18px -8px rgba(16,58,92,.6);
}
.brand__word { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font-family: var(--display); font-weight: 600; font-size: 1.18rem; color: var(--navy); letter-spacing: -.01em; }
.brand__sub { font-size: .66rem; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--muted); margin-top: .28rem; }

/* ---------- Nav ---------- */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding-block: clamp(.9rem, 1.6vw, 1.3rem);
  transition: background .4s var(--ease-out), padding .4s var(--ease-out), box-shadow .4s, border-color .4s;
  border-bottom: 1px solid transparent;
}
.nav__inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
/* Over the dark hero: light text */
.nav .brand__name, .nav .brand__sub { color: #fff; transition: color .4s; }
.nav .nav__link { color: rgba(255,255,255,.86); }
.nav.scrolled {
  background: rgba(248,250,252,.86);
  backdrop-filter: saturate(150%) blur(14px);
  -webkit-backdrop-filter: saturate(150%) blur(14px);
  border-bottom-color: var(--line);
  box-shadow: 0 10px 30px -22px rgba(16,58,92,.5);
  padding-block: .7rem;
}
.nav.scrolled .brand__name { color: var(--navy); }
.nav.scrolled .brand__sub { color: var(--muted); }
.nav.scrolled .nav__link { color: var(--graphite); }

.nav__links { display: flex; align-items: center; gap: clamp(1rem, 2vw, 2rem); }
.nav__link {
  font-weight: 500; font-size: .96rem; position: relative; padding: .4rem 0;
  display: inline-flex; align-items: center; gap: .4rem; transition: color .25s;
}
.nav__link:not(.nav__cta)::after {
  content: ""; position: absolute; left: 0; bottom: -2px; height: 1.5px; width: 100%;
  background: currentColor; transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease-out);
}
.nav__link:not(.nav__cta):hover::after { transform: scaleX(1); }
.nav__phone { font-variant-numeric: tabular-nums; }
.nav__phone svg { opacity: .85; }
.nav__cta { color: #fff !important; }

/* Products dropdown */
.nav__item.has-menu { position: relative; }
.nav__chev { transition: transform .3s; opacity: .8; }
.nav__menu {
  position: absolute; top: calc(100% + 14px); left: 50%; transform: translate(-50%, 8px);
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: .6rem;
  min-width: 230px; display: grid; gap: .1rem;
  box-shadow: 0 30px 60px -30px rgba(16,58,92,.5);
  opacity: 0; visibility: hidden; transition: opacity .28s var(--ease-out), transform .28s var(--ease-out);
}
/* Invisible bridge across the gap between trigger and menu, so hover stays continuous */
.nav__menu::before { content: ""; position: absolute; left: 0; right: 0; top: -18px; height: 18px; }
.nav__item.has-menu:hover .nav__menu,
.nav__item.has-menu:focus-within .nav__menu { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.nav__item.has-menu:hover .nav__chev { transform: rotate(180deg); }
.nav__menu a {
  display: flex; align-items: center; gap: .7rem; padding: .65rem .8rem; border-radius: 10px;
  font-weight: 500; color: var(--graphite); font-size: .95rem; transition: background .2s, color .2s;
}
.nav__menu a:hover { background: var(--white); color: var(--navy); }
.dot { width: 9px; height: 9px; border-radius: 50%; background: var(--c, var(--trust)); flex: none; box-shadow: 0 0 0 3px color-mix(in srgb, var(--c, var(--trust)) 18%, transparent); }

.nav__burger { display: none; width: 44px; height: 44px; flex-direction: column; justify-content: center; gap: 5px; align-items: center; }
.nav__burger span { width: 24px; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s, opacity .3s, background .3s; }
.nav.scrolled .nav__burger span { background: var(--navy); }

/* Mobile menu */
.mobile {
  position: fixed; inset: 0; z-index: 99; background: var(--navy);
  padding: 6rem var(--gutter) 2rem; transform: translateY(-100%); transition: transform .5s var(--ease-out);
  display: flex; visibility: hidden;
}
.mobile.open { transform: translateY(0); visibility: visible; }
.mobile__inner { display: flex; flex-direction: column; gap: .25rem; width: 100%; margin-top: auto; margin-bottom: auto; }
.mobile__eyebrow { font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; color: var(--sky); margin-bottom: .6rem; }
.mobile a { color: #fff; font-family: var(--display); font-size: 1.5rem; padding: .55rem 0; display: flex; align-items: center; gap: .8rem; }
.mobile hr { border: none; border-top: 1px solid var(--line-light); margin: 1rem 0; }
.mobile .btn { font-family: var(--ui); font-size: 1rem; margin-top: 1rem; }

/* ---------- Hero ---------- */
.hero {
  position: relative; min-height: 100dvh; display: flex; flex-direction: column; justify-content: center;
  padding-top: 7rem; padding-bottom: 5.5rem; overflow: hidden; color: #fff;
}
.hero__media { position: absolute; inset: 0; z-index: -1; }
.hero__media img {
  width: 100%; height: 100%; object-fit: cover; transform: scale(1.08);
  animation: kenburns 22s ease-in-out infinite alternate;
}
@keyframes kenburns { from { transform: scale(1.08) translate3d(0,0,0); } to { transform: scale(1.16) translate3d(-1.5%, -2%, 0); } }
.hero__scrim {
  position: absolute; inset: 0;
  background:
    linear-gradient(100deg, rgba(11,34,54,.92) 0%, rgba(11,34,54,.62) 42%, rgba(11,34,54,.18) 78%, rgba(11,34,54,.34) 100%),
    linear-gradient(0deg, rgba(11,34,54,.74) 0%, rgba(11,34,54,0) 38%);
}
.hero__content { position: relative; }
.hero__title {
  font-family: var(--display); font-weight: 500; font-optical-sizing: auto;
  font-size: clamp(2.9rem, 8vw, 6.2rem); line-height: .96; letter-spacing: -0.022em;
  max-width: 16ch; text-wrap: balance;
}
.hero__title em { color: var(--sky); font-weight: 500; }
.hero__lede {
  margin-top: 1.7rem; max-width: 50ch; font-size: clamp(1.05rem, 1.8vw, 1.3rem);
  color: var(--muted-light); font-weight: 300; line-height: 1.55;
}
.hero__actions { margin-top: 2.4rem; display: flex; flex-wrap: wrap; gap: 1rem; }
.hero__meta {
  position: relative; margin-top: clamp(3rem, 7vw, 5rem);
  display: flex; align-items: center; flex-wrap: wrap; gap: 1rem 1.4rem;
  font-size: .82rem; letter-spacing: .04em; text-transform: uppercase; color: rgba(248,250,252,.7); font-weight: 500;
}
.hero__meta-div { width: 5px; height: 5px; border-radius: 50%; background: var(--gold); }

/* ---------- Trust strip ---------- */
.trust { background: var(--navy); color: #fff; padding-block: clamp(2.5rem, 5vw, 3.6rem); }
.trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.trust__item { display: flex; flex-direction: column; gap: .35rem; padding-left: 1.3rem; border-left: 2px solid var(--line-light); }
.trust__num { font-family: var(--display); font-weight: 500; font-size: clamp(1.8rem, 3vw, 2.5rem); color: #fff; line-height: 1; letter-spacing: -.01em; }
.trust__label { font-size: .9rem; color: rgba(248,250,252,.66); max-width: 22ch; }

/* ---------- Products ---------- */
.products { background: var(--bg); }
.products__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 1.6vw, 1.4rem); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); position: relative; overflow: hidden; }
.product {
  --accent: var(--trust);
  display: flex; flex-direction: column; align-items: flex-start; padding: clamp(1.6rem, 2.4vw, 2.2rem);
  transition: transform .4s var(--ease-spring), box-shadow .4s var(--ease-spring), border-color .4s;
  will-change: transform; min-height: 280px;
}
.product::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--accent);
  transform: scaleY(.28); transform-origin: top; transition: transform .45s var(--ease-spring); border-radius: 4px;
}
.product::after {
  content: ""; position: absolute; inset: 0; z-index: 0; opacity: 0; transition: opacity .45s;
  background: radial-gradient(120% 90% at 0% 0%, color-mix(in srgb, var(--accent) 9%, transparent), transparent 60%);
}
.product:hover { transform: translateY(-7px); box-shadow: var(--shadow-card-h); border-color: color-mix(in srgb, var(--accent) 35%, var(--line)); }
.product:hover::before { transform: scaleY(1); }
.product:hover::after { opacity: 1; }
.product > * { position: relative; z-index: 1; }
.product__icon {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 1.3rem;
  color: var(--accent); background: color-mix(in srgb, var(--accent) 10%, #fff);
  border: 1px solid color-mix(in srgb, var(--accent) 22%, transparent);
  transition: transform .45s var(--ease-spring);
}
.product:hover .product__icon { transform: scale(1.06) rotate(-3deg); }
.product__icon svg { width: 30px; height: 30px; }
.product__name { font-family: var(--display); font-weight: 600; font-size: 1.5rem; color: var(--navy); letter-spacing: -.01em; }
.product__copy { margin-top: .6rem; color: var(--muted); font-size: .98rem; flex: 1; }
.product__link {
  margin-top: 1.4rem; font-weight: 600; font-size: .9rem; color: var(--accent);
  display: inline-flex; align-items: center; gap: .45rem; letter-spacing: .01em;
}
.product__link i { font-style: normal; transition: transform .35s var(--ease-spring); display: inline-block; }
.product:hover .product__link i { transform: translateX(5px); }

/* ---------- Why ---------- */
.why { background: linear-gradient(180deg, var(--bg), #eef3f8); }
.why__grid { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.why__lead { position: sticky; top: 6rem; }
.why__lead .btn { margin-top: 2rem; }
.why__list { display: grid; gap: 1rem; }
.why__item {
  display: grid; grid-template-columns: auto 1fr; gap: 1.4rem; align-items: start;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.5rem, 2.4vw, 2rem);
  transition: transform .4s var(--ease-spring), box-shadow .4s;
}
.why__item:hover { transform: translateX(6px); box-shadow: var(--shadow-card); }
.why__num { font-family: var(--display); font-size: 1.5rem; color: var(--gold); font-weight: 600; line-height: 1; }
.why__item h3 { font-family: var(--display); font-weight: 600; font-size: 1.35rem; color: var(--navy); margin-bottom: .4rem; letter-spacing: -.01em; }
.why__item p { color: var(--muted); font-size: .98rem; }

/* ---------- Coastal band ---------- */
.coastal { position: relative; color: #fff; padding-block: clamp(6rem, 13vw, 11rem); overflow: hidden; }
.coastal__media { position: absolute; inset: -12% 0; z-index: -1; }
.coastal__media img { width: 100%; height: 124%; object-fit: cover; will-change: transform; }
.coastal__scrim {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(11,34,54,.9) 0%, rgba(11,34,54,.7) 50%, rgba(29,138,138,.42) 100%);
}
.coastal__content { max-width: 760px; }
.coastal__title { font-family: var(--display); font-weight: 500; font-size: clamp(1.9rem, 4vw, 3.1rem); line-height: 1.08; letter-spacing: -.015em; text-wrap: balance; }
.coastal__copy { margin-top: 1.5rem; max-width: 58ch; font-size: clamp(1.02rem, 1.5vw, 1.18rem); color: rgba(248,250,252,.82); font-weight: 300; }
.coastal .btn { margin-top: 2.2rem; }

/* ---------- Steps ---------- */
.steps { background: var(--bg); }
.steps__row { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1.2rem, 2vw, 2rem); counter-reset: step; }
.step { position: relative; padding-top: 2.4rem; border-top: 2px solid var(--line); }
.step::before {
  counter-increment: step; content: "0" counter(step);
  position: absolute; top: -1.1rem; left: 0; font-family: var(--display); font-size: .9rem; font-weight: 600;
  color: var(--trust); background: var(--bg); padding-right: .8rem;
}
.step__index { font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; color: var(--teal); font-weight: 700; }
.step__title { font-family: var(--display); font-weight: 600; font-size: 1.5rem; color: var(--navy); margin: .5rem 0 .6rem; letter-spacing: -.01em; }
.step__copy { color: var(--muted); }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--teal); color: #fff; position: relative; overflow: hidden; }
.testimonials::before {
  content: ""; position: absolute; inset: 0; opacity: .5;
  background: radial-gradient(80% 120% at 100% 0%, rgba(94,167,229,.4), transparent 55%), radial-gradient(70% 100% at 0% 100%, rgba(11,34,54,.55), transparent 60%);
}
.testimonials .container { position: relative; }
.testimonials .section__title { color: #fff; }
.testimonials__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.quote {
  background: rgba(248,250,252,.08); border: 1px solid rgba(248,250,252,.18); border-radius: var(--radius);
  padding: clamp(1.6rem, 2.4vw, 2.1rem); backdrop-filter: blur(4px);
  display: flex; flex-direction: column; gap: 1.4rem;
  transition: transform .4s var(--ease-spring), background .4s;
}
.quote:hover { transform: translateY(-6px); background: rgba(248,250,252,.13); }
.quote blockquote { font-family: var(--display); font-size: 1.2rem; line-height: 1.45; font-weight: 400; letter-spacing: -.005em; }
.quote figcaption { margin-top: auto; display: flex; flex-direction: column; gap: .15rem; }
.quote__name { font-weight: 600; }
.quote__meta { font-size: .85rem; color: rgba(248,250,252,.7); }

/* ---------- Meet Tyler ---------- */
.meet { background: var(--bg); }
.meet__grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.meet__photo { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5; box-shadow: var(--shadow-card); }
.meet__photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.meet__photo::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(11,34,54,.55));
}
.meet__badge {
  position: absolute; left: 1.1rem; bottom: 1.1rem; z-index: 1;
  font-size: .76rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 600; color: #fff;
  background: rgba(16,58,92,.55); border: 1px solid rgba(248,250,252,.3); backdrop-filter: blur(6px);
  padding: .45rem .8rem; border-radius: 999px;
}
.meet__lede { margin-top: 1.4rem; font-family: var(--display); font-size: clamp(1.25rem, 2.2vw, 1.65rem); line-height: 1.4; color: var(--navy); font-weight: 400; max-width: 40ch; }
.meet__sig { margin-top: 1rem; font-weight: 600; color: var(--graphite); }
.meet__facts { margin: 2rem 0; display: grid; grid-template-columns: repeat(3, auto); gap: 1.4rem 2rem; }
.meet__facts > div { display: flex; flex-direction: column; gap: .2rem; padding-left: 1rem; border-left: 2px solid var(--gold); }
.meet__facts span { font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.meet__facts strong { font-weight: 600; color: var(--navy); font-size: .98rem; }

/* ---------- Final CTA ---------- */
.cta { background: var(--navy); color: #fff; position: relative; overflow: hidden; padding-block: clamp(5rem, 11vw, 9rem); }
.cta::before {
  content: ""; position: absolute; inset: 0; opacity: .8;
  background: radial-gradient(60% 120% at 85% 10%, rgba(31,111,178,.55), transparent 55%), radial-gradient(50% 90% at 0% 100%, rgba(29,138,138,.4), transparent 60%);
}
.cta__inner { position: relative; max-width: 720px; }
.cta__title { font-family: var(--display); font-weight: 500; font-size: clamp(2.1rem, 5vw, 3.8rem); line-height: 1.04; letter-spacing: -.018em; text-wrap: balance; }
.cta__copy { margin-top: 1.4rem; font-size: clamp(1.05rem, 1.6vw, 1.22rem); color: rgba(248,250,252,.82); font-weight: 300; max-width: 50ch; }
.cta__actions { margin-top: 2.4rem; display: flex; flex-wrap: wrap; gap: 1rem; }
.cta__hours { margin-top: 1.4rem; font-size: .85rem; letter-spacing: .04em; color: rgba(248,250,252,.6); }

/* ---------- Footer ---------- */
.footer { background: var(--navy-ink); color: rgba(248,250,252,.72); padding-block: clamp(3.5rem, 6vw, 5rem) 2rem; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.4fr; gap: 2.5rem; padding-bottom: 3rem; border-bottom: 1px solid var(--line-light); }
.brand--footer .brand__name { color: #fff; }
.brand--footer .brand__sub { color: rgba(248,250,252,.6); }
.footer__tag { margin-top: 1.2rem; max-width: 30ch; font-size: .95rem; color: rgba(248,250,252,.6); }
.footer__col h4 { color: #fff; font-family: var(--ui); font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1.1rem; font-weight: 600; }
.footer__col a, .footer__contact address, .footer__hours { display: block; color: rgba(248,250,252,.7); font-size: .95rem; padding: .3rem 0; font-style: normal; transition: color .2s; }
.footer__col a:hover { color: var(--sky); }
.footer__contact address { padding-bottom: .6rem; line-height: 1.5; }
.footer__hours { color: rgba(248,250,252,.5); font-size: .85rem; padding-top: .6rem; }
.footer__base { display: flex; flex-direction: column; gap: 1rem; padding-top: 2rem; }
.footer__base-row { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .6rem 1.4rem; }
.footer__copy { font-size: .88rem; color: rgba(248,250,252,.6); }
.footer__legal { display: inline-flex; align-items: center; gap: .7rem; }
.footer__legal a { font-size: .85rem; color: rgba(248,250,252,.62); transition: color .2s; }
.footer__legal a:hover { color: var(--sky); }
.footer__legal-sep { color: rgba(248,250,252,.3); }
.footer__disclaimer { font-size: .76rem; line-height: 1.6; color: rgba(248,250,252,.42); max-width: 90ch; }

/* ===================================================================
   Legal pages (Privacy, Terms)
   =================================================================== */
.legal-head {
  position: relative; background: var(--navy); color: #fff; overflow: hidden;
  padding: clamp(8rem, 14vw, 11rem) 0 clamp(3rem, 6vw, 4.5rem);
}
.legal-head::before {
  content: ""; position: absolute; inset: 0; opacity: .8;
  background: radial-gradient(60% 130% at 90% 0%, rgba(31,111,178,.5), transparent 55%), radial-gradient(50% 100% at 0% 100%, rgba(29,138,138,.34), transparent 60%);
}
.legal-head .container { position: relative; }
.legal-head__title { font-family: var(--display); font-weight: 500; font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.04; letter-spacing: -.018em; }
.legal-head__meta { margin-top: 1rem; font-size: .9rem; letter-spacing: .04em; color: rgba(248,250,252,.7); }

.legal { background: var(--bg); padding-block: clamp(3.5rem, 8vw, 6rem); }
.legal__wrap { max-width: 760px; margin-inline: auto; }
.legal__note {
  background: #fff; border: 1px solid var(--line); border-left: 3px solid var(--gold);
  border-radius: 12px; padding: 1.1rem 1.3rem; margin-bottom: 2.6rem;
  font-size: .92rem; color: var(--muted);
}
.legal__intro { font-size: 1.08rem; color: var(--graphite); margin-bottom: 2.4rem; }
.legal h2 {
  font-family: var(--display); font-weight: 600; color: var(--navy);
  font-size: clamp(1.3rem, 2.4vw, 1.7rem); letter-spacing: -.01em;
  margin: 2.6rem 0 .9rem; padding-top: 1.6rem; border-top: 1px solid var(--line);
}
.legal h2:first-of-type { border-top: none; padding-top: 0; }
.legal h3 { font-family: var(--ui); font-weight: 600; color: var(--navy); font-size: 1.05rem; margin: 1.4rem 0 .5rem; }
.legal p, .legal li { color: var(--graphite); font-size: 1rem; line-height: 1.7; }
.legal p { margin-bottom: 1rem; }
.legal ul { margin: 0 0 1.2rem; padding-left: 0; display: grid; gap: .55rem; }
.legal li { position: relative; padding-left: 1.4rem; }
.legal li::before { content: ""; position: absolute; left: 0; top: .65em; width: 7px; height: 7px; border-radius: 50%; background: var(--sky); }
.legal a { color: var(--trust); text-decoration: underline; text-underline-offset: 3px; }
.legal a:hover { color: var(--navy); }
.legal address { font-style: normal; color: var(--graphite); line-height: 1.7; }
.legal__toc { margin: 0 0 2.4rem; padding: 1.2rem 1.4rem; background: #fff; border: 1px solid var(--line); border-radius: 14px; }
.legal__toc h4 { font-size: .76rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: .8rem; }
.legal__toc ol { display: grid; gap: .4rem; counter-reset: toc; }
.legal__toc li { padding-left: 0; }
.legal__toc li::before { display: none; }
.legal__toc a { color: var(--graphite); text-decoration: none; font-size: .95rem; }
.legal__toc a:hover { color: var(--trust); }

/* ---------- Reveal animation ---------- */
[data-reveal], .reveal { opacity: 0; transform: translateY(26px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); transition-delay: calc(var(--i, 0) * 90ms); }
[data-reveal].in, .reveal.in { opacity: 1; transform: none; }

/* ===================================================================
   Responsive
   =================================================================== */
@media (max-width: 1024px) {
  .why__grid { grid-template-columns: 1fr; }
  .why__lead { position: static; }
  .meet__grid { grid-template-columns: 1fr; }
  .meet__photo { max-width: 420px; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
}

@media (max-width: 860px) {
  .nav__links { display: none; }
  .nav__burger { display: flex; }
  .products__grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials__grid { grid-template-columns: 1fr; }
  .steps__row { grid-template-columns: 1fr; gap: 2.4rem; }
  .trust__grid { grid-template-columns: repeat(2, 1fr); gap: 1.6rem 1.2rem; }
}

@media (max-width: 560px) {
  .products__grid { grid-template-columns: 1fr; }
  .hero { padding-top: 6rem; }
  .hero__meta { font-size: .72rem; gap: .6rem 1rem; }
  .meet__facts { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .why__item { grid-template-columns: 1fr; gap: .6rem; }
  .btn { width: 100%; }
  .hero__actions .btn, .cta__actions .btn { width: 100%; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .hero__media img { animation: none; transform: scale(1.05); }
  [data-reveal], .reveal { opacity: 1; transform: none; }
}

/* ===================================================================
   SUBPAGE COMPONENTS (products, agency, quote, legal extras)
   =================================================================== */

/* Nav dropdown: "all products" footer link */
.nav__menu-all {
  margin-top: .3rem; padding-top: .7rem !important; border-top: 1px solid var(--line);
  font-weight: 600 !important; color: var(--trust) !important;
}
.nav__menu-all:hover { background: var(--white); }

/* ---------- Sub-hero (interior page header) ---------- */
.subhero {
  --accent: var(--trust);
  position: relative; background: var(--navy); color: #fff; overflow: hidden;
  padding: clamp(8.5rem, 15vw, 12rem) 0 clamp(3.5rem, 7vw, 5.5rem);
}
.subhero::before {
  content: ""; position: absolute; inset: 0; opacity: .9;
  background:
    radial-gradient(55% 120% at 88% 0%, color-mix(in srgb, var(--accent) 55%, transparent), transparent 55%),
    radial-gradient(50% 100% at 0% 100%, rgba(29,138,138,.3), transparent 60%);
}
.subhero__icon {
  position: absolute; right: clamp(-2rem, 2vw, 3rem); top: 50%; transform: translateY(-50%);
  width: clamp(180px, 26vw, 340px); height: clamp(180px, 26vw, 340px); color: #fff; opacity: .08; z-index: 0;
}
.subhero__icon svg { width: 100%; height: 100%; }
.subhero .container { position: relative; z-index: 1; }
.subhero__inner { max-width: 700px; }
.crumb { display: flex; flex-wrap: wrap; align-items: center; gap: .5rem; font-size: .82rem; color: rgba(248,250,252,.62); margin-bottom: 1.4rem; }
.crumb a { color: rgba(248,250,252,.72); transition: color .2s; }
.crumb a:hover { color: #fff; }
.crumb span { opacity: .5; }
.crumb b { color: #fff; font-weight: 500; }
.subhero__title { font-family: var(--display); font-weight: 500; font-size: clamp(2.4rem, 6vw, 4.2rem); line-height: 1.0; letter-spacing: -.02em; text-wrap: balance; }
.subhero__lede { margin-top: 1.4rem; max-width: 52ch; font-size: clamp(1.05rem, 1.7vw, 1.28rem); color: rgba(248,250,252,.82); font-weight: 300; line-height: 1.55; }
.subhero__actions { margin-top: 2.2rem; display: flex; flex-wrap: wrap; gap: 1rem; }
.subhero__pill { display: inline-flex; align-items: center; gap: .5rem; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 600; color: color-mix(in srgb, var(--accent) 60%, #fff); margin-bottom: 1.2rem; }
.subhero__pill::before { content: ""; width: 26px; height: 2px; border-radius: 2px; background: var(--accent); }

/* ---------- Editorial lead block ---------- */
.lead { background: var(--bg); }
.lead__grid { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.lead__eyebrow { position: sticky; top: 6rem; }
.lead__body p { font-size: clamp(1.08rem, 1.7vw, 1.35rem); line-height: 1.6; color: var(--graphite); margin-bottom: 1.3rem; font-weight: 300; }
.lead__body p strong { font-weight: 600; color: var(--navy); }
.lead__body .accent-line { color: var(--navy); font-family: var(--display); font-weight: 500; }

/* ---------- Coverage grid ---------- */
.cover { background: linear-gradient(180deg, var(--bg), #eef3f8); }
.cover__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 1.6vw, 1.3rem); }
.cover-card {
  --accent: var(--trust);
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.4rem, 2.2vw, 1.9rem);
  transition: transform .4s var(--ease-spring), box-shadow .4s, border-color .4s;
}
.cover-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card); border-color: color-mix(in srgb, var(--accent) 30%, var(--line)); }
.cover-card__tick { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; margin-bottom: 1rem; color: var(--accent); background: color-mix(in srgb, var(--accent) 12%, #fff); }
.cover-card__tick svg { width: 20px; height: 20px; }
.cover-card h3 { font-family: var(--display); font-weight: 600; font-size: 1.22rem; color: var(--navy); margin-bottom: .4rem; }
.cover-card p { color: var(--muted); font-size: .95rem; }

/* ---------- Zig-zag feature rows ---------- */
.zig { background: var(--bg); }
.zig__row { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.zig__row + .zig__row { margin-top: clamp(3rem, 6vw, 5.5rem); }
.zig__row:nth-child(even) .zig__media { order: 2; }
.zig__media { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-card); aspect-ratio: 5/4; }
.zig__media img { width: 100%; height: 100%; object-fit: cover; }
.zig__body h2 { font-family: var(--display); font-weight: 500; font-size: clamp(1.7rem, 3.4vw, 2.6rem); color: var(--navy); letter-spacing: -.015em; line-height: 1.08; }
.zig__body p { margin-top: 1.1rem; color: var(--muted); font-size: 1.05rem; max-width: 50ch; }
.zig__eyebrow { color: var(--accent, var(--trust)); }

/* ---------- Checklist ---------- */
.checklist { display: grid; gap: .7rem; margin-top: 1.4rem; }
.checklist li { display: flex; gap: .8rem; align-items: flex-start; color: var(--graphite); font-size: 1rem; }
.checklist li svg { flex: none; width: 22px; height: 22px; margin-top: .15rem; color: var(--accent, var(--green)); }

/* ---------- FAQ ---------- */
.faq { background: linear-gradient(180deg, #eef3f8, var(--bg)); }
.faq__list { max-width: 820px; margin-inline: auto; }
.faq details { border-top: 1px solid var(--line); }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; padding: 1.5rem 3rem 1.5rem 0; position: relative;
  font-family: var(--display); font-weight: 600; font-size: clamp(1.1rem, 2vw, 1.35rem); color: var(--navy);
  transition: color .25s;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: .4rem; top: 50%; width: 14px; height: 14px;
  background: no-repeat center/contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'%3E%3Cpath d='M7 1v12M1 7h12' stroke='%231F6FB2' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E");
  transform: translateY(-50%) rotate(0deg); transition: transform .35s var(--ease-spring);
}
.faq details[open] summary::after { transform: translateY(-50%) rotate(135deg); }
.faq summary:hover { color: var(--trust); }
.faq__a { padding: 0 3rem 1.6rem 0; color: var(--muted); font-size: 1.02rem; line-height: 1.65; }
.faq details[open] .faq__a { animation: faqIn .45s var(--ease-out); }
@keyframes faqIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* ---------- Related coverage ---------- */
.related { background: var(--bg); }
.related__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.related-card {
  --accent: var(--trust);
  display: flex; align-items: center; gap: 1rem; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.2rem 1.4rem; transition: transform .35s var(--ease-spring), box-shadow .35s, border-color .35s;
}
.related-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); border-color: color-mix(in srgb, var(--accent) 30%, var(--line)); }
.related-card__dot { width: 40px; height: 40px; border-radius: 10px; flex: none; display: grid; place-items: center; color: var(--accent); background: color-mix(in srgb, var(--accent) 12%, #fff); }
.related-card__dot svg { width: 22px; height: 22px; }
.related-card b { font-family: var(--display); font-weight: 600; color: var(--navy); font-size: 1.1rem; display: block; }
.related-card span { font-size: .88rem; color: var(--muted); }

/* ---------- Products hub intro stat / value ---------- */
.hub__intro { max-width: 760px; }
.hub-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: clamp(1rem, 1.8vw, 1.5rem); }
.hub-grid .product { min-height: 0; }
.product__covers { display: grid; gap: .5rem; margin-top: 1.1rem; width: 100%; }
.product__covers li { display: flex; gap: .6rem; align-items: flex-start; font-size: .92rem; color: var(--graphite); }
.product__covers svg { flex: none; width: 18px; height: 18px; color: var(--accent); margin-top: .15rem; }
@media (max-width: 860px) { .hub-grid { grid-template-columns: 1fr; } }

/* ---------- Our Agency ---------- */
.bio { background: var(--bg); }
.bio__grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.bio__photo { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5; box-shadow: var(--shadow-card); }
.bio__photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.bio__body .section__title { margin-bottom: 1.2rem; }
.bio__body p { color: var(--graphite); font-size: 1.05rem; line-height: 1.7; margin-bottom: 1.1rem; }
.bio__body p:first-of-type { font-size: 1.18rem; color: var(--navy); }
.values { background: linear-gradient(180deg, #eef3f8, var(--bg)); }
.values__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 1.8vw, 1.5rem); }
.value-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.5rem, 2.4vw, 2rem); transition: transform .4s var(--ease-spring), box-shadow .4s; }
.value-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card); }
.value-card__n { font-family: var(--display); font-size: 1.3rem; color: var(--gold); font-weight: 600; }
.value-card h3 { font-family: var(--display); font-weight: 600; font-size: 1.3rem; color: var(--navy); margin: .6rem 0 .5rem; }
.value-card p { color: var(--muted); font-size: .98rem; }

/* ---------- Quote page ---------- */
.quote-page { background: linear-gradient(180deg, var(--bg), #eef3f8); }
.quote-layout { display: grid; grid-template-columns: 1.4fr 0.6fr; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.qform {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 3vw, 2.6rem); box-shadow: var(--shadow-card);
}
.qform__step-label { font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--trust); font-weight: 700; }
.qform fieldset { border: none; padding: 0; margin: 0 0 2rem; }
.qform fieldset:last-of-type { margin-bottom: 0; }
.qform legend { font-family: var(--display); font-weight: 600; font-size: 1.3rem; color: var(--navy); margin-bottom: 1.1rem; padding-top: 1.6rem; border-top: 1px solid var(--line); width: 100%; }
.qform fieldset:first-of-type legend { padding-top: 0; border-top: none; }
.field { display: flex; flex-direction: column; gap: .45rem; margin-bottom: 1.1rem; }
.field label { font-size: .9rem; font-weight: 600; color: var(--navy); }
.field label .req { color: var(--trust); }
.field input, .field select, .field textarea {
  font-family: var(--ui); font-size: 1rem; color: var(--graphite); background: var(--white);
  border: 1.5px solid var(--line); border-radius: 11px; padding: .85rem 1rem; transition: border-color .25s, box-shadow .25s;
  width: 100%;
}
.field input::placeholder, .field textarea::placeholder { color: #9aa7b4; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--trust); box-shadow: 0 0 0 4px rgba(31,111,178,.12); }
.field textarea { resize: vertical; min-height: 110px; }
.field__hint { font-size: .82rem; color: var(--muted); }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1.1rem; }

/* coverage chip selector */
.chips { display: flex; flex-wrap: wrap; gap: .6rem; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span {
  display: inline-flex; align-items: center; gap: .5rem; padding: .6rem 1rem; border-radius: 999px;
  border: 1.5px solid var(--line); font-size: .92rem; font-weight: 500; color: var(--graphite); cursor: pointer;
  transition: all .2s;
}
.chip span::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--c, var(--trust)); }
.chip input:checked + span { border-color: var(--navy); background: var(--navy); color: #fff; }
.chip input:focus-visible + span { box-shadow: 0 0 0 4px rgba(31,111,178,.18); }

/* consent box */
.consent {
  display: grid; grid-template-columns: auto 1fr; gap: .9rem; align-items: start;
  background: var(--white); border: 1.5px solid var(--line); border-left: 3px solid var(--green);
  border-radius: 12px; padding: 1.1rem 1.2rem; margin-top: .4rem;
}
.consent input[type="checkbox"] {
  appearance: none; -webkit-appearance: none; width: 22px; height: 22px; margin-top: .1rem;
  border: 1.5px solid #b6c2cf; border-radius: 6px; cursor: pointer; flex: none; transition: all .2s; position: relative;
}
.consent input[type="checkbox"]:checked { background: var(--green); border-color: var(--green); }
.consent input[type="checkbox"]:checked::after {
  content: ""; position: absolute; left: 7px; top: 3px; width: 5px; height: 10px;
  border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg);
}
.consent input[type="checkbox"]:focus-visible { box-shadow: 0 0 0 4px rgba(62,142,99,.2); }
.consent label { font-size: .9rem; line-height: 1.55; color: var(--graphite); cursor: pointer; }
.consent label a { color: var(--trust); text-decoration: underline; text-underline-offset: 2px; }
.consent__fine { display: block; margin-top: .5rem; font-size: .8rem; color: var(--muted); }

.qform__submit { margin-top: 1.6rem; }
.qform__note { margin-top: 1rem; font-size: .82rem; color: var(--muted); line-height: 1.5; }
.qform__error { display: none; margin-top: 1rem; font-size: .9rem; line-height: 1.5; color: #b4232a; background: #fdecee; border: 1px solid #f3c2c7; border-radius: 10px; padding: .8rem 1rem; }
.qform__error a { color: #b4232a; text-decoration: underline; }

/* aside summary card */
.qaside { display: grid; gap: 1rem; position: sticky; top: 6rem; }
.qcard { background: var(--navy); color: #fff; border-radius: var(--radius-lg); padding: clamp(1.5rem, 2.4vw, 2rem); position: relative; overflow: hidden; }
.qcard::before { content: ""; position: absolute; inset: 0; opacity: .7; background: radial-gradient(70% 120% at 100% 0%, rgba(31,111,178,.5), transparent 55%); }
.qcard > * { position: relative; }
.qcard h3 { font-family: var(--display); font-weight: 600; font-size: 1.4rem; margin-bottom: 1rem; }
.qcard ul { display: grid; gap: .8rem; }
.qcard li { display: flex; gap: .7rem; font-size: .95rem; color: rgba(248,250,252,.85); }
.qcard li svg { flex: none; width: 20px; height: 20px; color: var(--sky); margin-top: .1rem; }
.qcard__call { margin-top: 1.4rem; padding-top: 1.4rem; border-top: 1px solid var(--line-light); }
.qcard__call span { font-size: .8rem; letter-spacing: .04em; text-transform: uppercase; color: rgba(248,250,252,.6); display: block; margin-bottom: .3rem; }
.qcard__call a { font-family: var(--display); font-size: 1.5rem; font-weight: 600; color: #fff; }
.qcard__hours { font-size: .85rem; color: rgba(248,250,252,.6); margin-top: .3rem; }

/* success panel */
.form-success { display: none; text-align: center; padding: 2rem 1rem; }
.form-success.show { display: block; animation: faqIn .5s var(--ease-out); }
.form-success__icon { width: 64px; height: 64px; border-radius: 50%; background: color-mix(in srgb, var(--green) 14%, #fff); color: var(--green); display: grid; place-items: center; margin: 0 auto 1.2rem; }
.form-success__icon svg { width: 32px; height: 32px; }
.form-success h3 { font-family: var(--display); font-weight: 600; font-size: 1.6rem; color: var(--navy); margin-bottom: .6rem; }
.form-success p { color: var(--muted); max-width: 42ch; margin: 0 auto; }

/* ---------- Messaging terms (A2P) block ---------- */
.msg-terms { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.4rem, 2.4vw, 2rem); margin-top: 1.4rem; }
.msg-terms h3 { font-family: var(--ui); font-weight: 600; color: var(--navy); font-size: 1.05rem; margin: 1.2rem 0 .4rem; }
.msg-terms h3:first-child { margin-top: 0; }
.msg-terms p, .msg-terms li { font-size: .96rem; line-height: 1.65; color: var(--graphite); }

/* ===================================================================
   SUBPAGE RESPONSIVE
   =================================================================== */
@media (max-width: 1024px) {
  .lead__grid { grid-template-columns: 1fr; }
  .lead__eyebrow { position: static; }
  .quote-layout { grid-template-columns: 1fr; }
  .qaside { position: static; order: -1; }
  .bio__grid { grid-template-columns: 1fr; }
  .bio__photo { max-width: 420px; }
}
@media (max-width: 860px) {
  .cover__grid, .values__grid, .related__grid { grid-template-columns: repeat(2, 1fr); }
  .zig__row { grid-template-columns: 1fr; gap: 1.6rem; }
  .zig__row:nth-child(even) .zig__media { order: 0; }
}
@media (max-width: 560px) {
  .cover__grid, .values__grid, .related__grid { grid-template-columns: 1fr; }
  .row-2, .row-3 { grid-template-columns: 1fr; }
  .subhero__actions .btn { width: 100%; }
}