/* Fariji Insurance: layout and motion replicate the supplied reference video.
   Colour, type and radius tokens live here; motion classes are driven by main.js. */
:root {
  --olive: #0f4c4a;
  --olive-ink: #10302f;
  --olive-deep: #0b3533;
  --olive-hover: #166462;
  --lime: #1fbdb5;
  --lime-card: #cdefeb;
  --lime-text: #7fd8cf;
  --blue: #d7efec;
  --lavender: #ede3f2;
  --grey-text: #788887;
  --grey-pill: #ebf1f0;
  --line: rgba(16, 48, 47, 0.14);
  --white: #ffffff;
  --brand-teal: #1fbdb5;
  --brand-magenta: #b12473;
  --brand-purple: #763088;
  --brand-violet: #b12473;
  --brand-violet-hover: #c2307f;

  --font: "Inter Tight", ui-sans-serif, sans-serif;
  --gutter: clamp(16px, 4.5vw, 64px);
  --radius: 22px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--olive-ink);
  /* White page that warms into brand teal toward the end, behind the CTA and footer */
  background: linear-gradient(to bottom, #fff 0, #fff calc(100% - 1500px), #eaf8f6 calc(100% - 950px), #bfeae5 100%);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; margin: 0; padding: 0; }
img { display: block; max-width: 100%; }
h1, h2, h3, p, figure, blockquote { margin: 0; }
button { font: inherit; }

:focus-visible { outline: 2px solid var(--olive); outline-offset: 3px; border-radius: 6px; }
.hero :focus-visible, .faq :focus-visible, .quote :focus-visible, .footer :focus-visible, .card-olive :focus-visible, .card-photo :focus-visible { outline-color: var(--lime); }
main:focus { outline: none; }

.skip-link {
  position: absolute; z-index: 50; top: 12px; left: 12px;
  padding: 10px 16px; border-radius: 999px; background: var(--white); color: var(--olive);
  transform: translateY(-200%);
}
.skip-link:focus { transform: none; }

/* Every section spans the full page width, inside the same side gutter as the nav */
.container, .container-narrow { width: calc(100% - 2 * var(--gutter)); margin-inline: auto; }

/* Registered so bar widths and heights can animate smoothly when main.js changes them */
@property --w { syntax: "<percentage>"; inherits: true; initial-value: 0%; }
@property --h { syntax: "<percentage>"; inherits: true; initial-value: 0%; }

/* ---------- Type ---------- */
.h2 {
  font-size: clamp(2.1rem, 3.8vw, 3.4rem);
  font-weight: 500;
  line-height: 1.02;
  letter-spacing: -0.045em;
  color: var(--olive-ink);
}
.h3 { font-size: clamp(1.4rem, 2vw, 1.75rem); font-weight: 500; line-height: 1.12; letter-spacing: -0.035em; }
.h4 { font-size: 1.25rem; font-weight: 500; letter-spacing: -0.03em; }
.body { font-size: 1.0625rem; line-height: 1.55; color: var(--olive-ink); }
.lead { max-width: 480px; margin-bottom: 18px; font-size: 1.0625rem; line-height: 1.5; color: var(--grey-text); }
.lead strong { font-weight: 500; color: var(--olive-ink); }
.small-muted { font-size: 0.8125rem; line-height: 1.5; color: var(--grey-text); }
.tiny { font-size: 0.8125rem; color: var(--olive-ink); }

/* ---------- Buttons ---------- */
.arrow { display: inline-block; transition: transform 0.25s var(--ease); }
a:hover .arrow { transform: translateX(3px); }

.btn-lime, .btn-dark, .btn-outline, .btn-white {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  height: 50px; padding: 0 24px; border-radius: 999px;
  font-size: 1rem; font-weight: 500; letter-spacing: -0.01em; white-space: nowrap;
  transition: background 0.25s var(--ease), border-color 0.25s var(--ease), color 0.25s var(--ease);
}
.btn-lime { background: var(--lime); color: var(--olive); }
.btn-lime:hover { background: #4fd0c9; }
.btn-dark { background: var(--olive); color: var(--white); }
.btn-dark:hover { background: var(--olive-hover); }
.btn-outline { border: 1px solid var(--line); background: var(--white); color: var(--olive-ink); }
.btn-outline:hover { border-color: rgba(16, 48, 47, 0.4); }
.btn-white { height: 44px; padding: 0 20px; background: var(--white); color: var(--olive); }
.btn-white:hover { background: #e8efee; }
.btn-sm { height: 46px; padding: 0 20px; font-size: 0.9375rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 30px 0 44px; }
.link-underline { font-size: 1rem; text-decoration: underline; text-underline-offset: 4px; }

/* ======================== HERO ======================== */
.hero {
  position: relative;
  min-height: max(640px, 100svh);
  border-radius: 0 0 40px 40px;
  color: var(--white);
  background: #0b2a29 url("images/stock/hero-family-poster.jpg") center / cover;
  overflow: hidden;
  isolation: isolate;
}
.hero-media { position: absolute; inset: 0; z-index: -3; width: 100%; height: 100%; object-fit: cover; object-position: 50% 35%; }

/* Soft frosted fade across the bottom, like a lens blur under the headline */
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -2;
  background: linear-gradient(180deg, rgba(4, 22, 21, 0.35) 0%, rgba(4, 22, 21, 0) 22%, rgba(4, 22, 21, 0) 45%, rgba(4, 22, 21, 0.55) 100%);
}
.hero-blur {
  position: absolute; inset: auto 0 0 0; height: 58%; z-index: -1;
  -webkit-backdrop-filter: blur(26px) saturate(110%);
  backdrop-filter: blur(26px) saturate(110%);
  -webkit-mask-image: linear-gradient(to top, #000 35%, transparent);
  mask-image: linear-gradient(to top, #000 35%, transparent);
  background: linear-gradient(to top, rgba(8, 36, 35, 0.35), transparent);
}

.topnav {
  position: absolute; top: 28px; left: var(--gutter); right: var(--gutter); z-index: 5;
  display: flex; align-items: center; justify-content: flex-start; gap: 18px;
}
.topnav-brand a { display: block; padding: 2px 14px 2px 10px !important; }
.topnav-brand a:hover { background: transparent !important; }
.topnav-brand img { height: 40px; width: auto; }
.pill-dark {
  display: flex; align-items: center; gap: 2px; padding: 6px;
  border-radius: 999px; background: rgba(8, 30, 29, 0.55);
  -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px);
}
.topnav-links { justify-self: start; }
.topnav-links a, .topnav-login {
  display: block; padding: 10px 16px; border-radius: 999px; font-size: 0.9375rem;
  transition: background 0.2s var(--ease);
}
.topnav-links a:hover, .topnav-login:hover { background: rgba(255, 255, 255, 0.1); }
.topnav-logo img { height: 48px; width: auto; }
.topnav-actions { position: relative; z-index: 2; gap: 4px; }

/* ---------- Morphing menu (after Framer's "Morphed Menu") ----------
   The button's label rolls MENU -> CLOSE; the panel grows out of the button with a springy
   overshoot, then links flip up in 3D one by one and the social links fade in below. */
:root { --spring: cubic-bezier(0.34, 1.45, 0.5, 1); }

.morph-btn {
  position: relative; width: 44px; height: 44px; padding: 0; border: 0; border-radius: 999px;
  overflow: hidden; background: transparent; cursor: pointer; font: 500 0.875rem var(--font);
  letter-spacing: 0.06em; text-transform: uppercase;
}
.morph-track { display: block; height: 100%; transition: transform 0.6s var(--spring); }
.morph-lbl { position: relative; display: block; height: 100%; overflow: hidden; border-radius: 999px; }
.morph-lbl > span {
  display: flex; align-items: center; justify-content: center; height: 100%;
  background: rgba(255, 255, 255, 0.14); color: var(--white);
  transition: transform 0.5s var(--spring);
}
.morph-lbl.is-open > span { background: var(--lime); color: var(--olive); }
.morph-lbl svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; }
/* Hover: each label rolls up to reveal its twin */
.morph-btn:hover .morph-lbl > span { transform: translateY(-100%); }
.morph-btn[aria-expanded="true"] .morph-track { transform: translateY(-100%); }

.morph-panel {
  position: absolute; z-index: 1; overflow: hidden;
  border-radius: 24px; background: var(--olive-deep); color: var(--white);
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.35);
  /* left/top/width/height are set inline by main.js */
  transition: left 0.8s var(--spring), top 0.8s var(--spring), width 0.8s var(--spring), height 0.8s var(--spring), border-radius 0.8s var(--spring);
  display: flex; flex-direction: column; justify-content: center;
}
.morph-panel[hidden] { display: none; }
.morph-links { margin: 0 0 0 22px; }
.morph-links li { perspective: 50px; perspective-origin: bottom; margin-bottom: 0; }
.morph-links a {
  display: inline-flex; align-items: center; gap: 0; font-size: 1.375rem;
  font-weight: 500; letter-spacing: -0.04em; line-height: 1.15; opacity: 0;
  transform-origin: bottom;
}
.morph-links svg {
  width: 0; height: 16px; flex: none; fill: none; stroke: var(--lime); stroke-width: 2; vector-effect: non-scaling-stroke;
  transition: width 0.45s var(--spring), margin 0.45s var(--spring);
}
.morph-links a:hover svg, .morph-links a:focus-visible svg { width: 26px; margin-right: 8px; }
.morph-links a:hover { color: var(--lime); }

.morph-foot { display: grid; grid-template-columns: repeat(2, minmax(0, max-content)); gap: 6px 24px; margin: 18px 0 0 24px; }
.morph-foot a {
  position: relative; width: fit-content; font-size: 0.8125rem; color: rgba(255, 255, 255, 0.75); opacity: 0;
  background: linear-gradient(var(--lime), var(--lime)) left bottom / 0% 2px no-repeat;
  transition: background-size 0.4s var(--spring), color 0.2s;
}
.morph-foot a:hover { color: var(--white); background-size: 100% 2px; }

@keyframes morph-link-in { from { opacity: 0; transform: rotateX(100deg) translateY(80px); } to { opacity: 1; transform: none; } }
@keyframes morph-foot-in { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
.morph-panel.is-ready .morph-links a { animation: morph-link-in 0.9s var(--spring) both; animation-delay: calc(var(--i) * 45ms); }
.morph-panel.is-ready .morph-foot a { animation: morph-foot-in 0.7s var(--spring) both; animation-delay: calc(450ms + var(--i) * 90ms); }

.topnav-login, .topnav-actions .btn-white { transition: opacity 0.25s; }

.hero-inner {
  position: absolute; left: var(--gutter); right: var(--gutter); bottom: 44px;
  display: grid; grid-template-columns: 1fr auto auto; align-items: end; gap: 28px;
}
.hero-title {
  max-width: 820px;
  font-size: clamp(3rem, 6.4vw, 5.75rem);
  font-weight: 500; line-height: 0.98; letter-spacing: -0.05em;
}
.hero-sub { max-width: 560px; margin: 22px 0 30px; font-size: 1.125rem; line-height: 1.45; color: rgba(255, 255, 255, 0.86); }

.scroll-rail { align-self: stretch; display: flex; align-items: flex-end; padding-bottom: 6px; }
.scroll-rail span {
  position: relative; display: block; width: 3px; height: 150px; border-radius: 3px; background: rgba(255, 255, 255, 0.25); overflow: hidden;
}
.scroll-rail span::after {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 40%; border-radius: 3px; background: var(--white);
  transform: translateY(calc(var(--scroll, 0) * 150%));
}

.claims-card {
  width: 300px; padding: 20px 20px 16px; border-radius: var(--radius);
  background: var(--white); color: var(--olive-ink);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.18);
}
.claims-head { display: flex; align-items: center; gap: 8px; }
.claims-head strong { font-size: 1.375rem; font-weight: 500; letter-spacing: -0.035em; }
.badge-dark { padding: 3px 9px; border-radius: 999px; background: var(--olive); color: var(--lime); font-size: 0.75rem; font-weight: 500; }
.claims-grid { width: 14px; height: 14px; margin-left: auto; fill: #c5d0cf; }
.claims-tabs { display: flex; gap: 14px; margin: 10px 0 14px; font-size: 0.75rem; color: #94a2a1; }
.claims-tabs .is-active { color: var(--olive-ink); font-weight: 500; }
.claims-chart { display: flex; align-items: flex-end; gap: 10px; height: 140px; }
.claims-chart .col { flex: 1; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; gap: 5px; }
.claims-chart i { display: block; height: var(--h); border-radius: 3px; transform-origin: bottom; }
.claims-chart .lime { background: #62c3b0; }
.claims-chart .dark { background: var(--olive); }
.claims-foot { margin-top: 14px; font-size: 0.75rem; color: #8a9796; }

/* ======================== PARTNERS ======================== */
.partners { padding: 72px 0 40px; text-align: center; }
.pill-grey {
  display: inline-block; padding: 10px 20px; border-radius: 999px;
  background: var(--grey-pill); font-size: 0.9375rem; color: var(--olive-ink);
}
.marquee {
  margin-top: 36px; overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}
.marquee-track { display: flex; align-items: center; width: max-content; animation: slide-left 38s linear infinite; }
.marquee-track li { flex: none; padding: 0 80px; }
.marquee-track img { height: 34px; width: auto; max-width: 200px; object-fit: contain; filter: brightness(0); opacity: 0.45; }
.marquee-track img.tall { height: 50px; }

@keyframes slide-left { to { transform: translateX(-50%); } }
@keyframes slide-right { from { transform: translateX(-50%); } to { transform: translateX(0); } }

/* ======================== SPLIT (cover) ======================== */
.split {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr); gap: 56px; align-items: center;
  padding: 72px 0 96px;
}
.split-copy .h2 { max-width: 520px; }

.split-cards { display: grid; grid-template-columns: 1fr 0.9fr; gap: 14px; align-items: end; }

.card { position: relative; border-radius: var(--radius); overflow: hidden; }

.card-blue { min-height: 300px; background: var(--blue); display: flex; }
.card-blue .card-body { display: flex; flex-direction: column; padding: 26px; }
.card-blue .h3 { max-width: 300px; }
.arrow-list { margin: 22px 0 auto; font-size: 0.8125rem; color: #55605f; }
.arrow-list li { position: relative; padding-left: 18px; margin-bottom: 8px; }
.arrow-list li::before { content: "\2192"; position: absolute; left: 0; color: #788887; }
.card-blue .btn-sm { align-self: flex-start; margin-top: 26px; }

.card-olive { min-height: 400px; background: var(--olive-deep); color: var(--lime-text); display: flex; flex-direction: column; justify-content: flex-end; padding: 24px; }
.petal { position: absolute; left: -40px; top: -40px; width: 200px; height: 200px; fill: none; stroke: rgba(127, 216, 207, 0.14); stroke-width: 2; }
.mini { position: absolute; border-radius: 16px; padding: 12px; }
.mini-send { top: 64px; left: 22px; width: 170px; background: #5f9e9a; }
.mini-pay { top: 104px; right: -36px; width: 150px; border: 1px solid rgba(127, 216, 207, 0.6); background: var(--olive-deep); }
.chip-white, .chip-lime { display: inline-block; padding: 5px 10px; border-radius: 999px; font-size: 0.75rem; color: var(--olive-ink); }
.chip-white { background: var(--white); }
.chip-lime { background: var(--lime); }
.avatars { display: flex; align-items: center; margin-top: 12px; }
.avatars img, .avatar-plus, .avatar-count {
  width: 34px; height: 34px; border-radius: 50%; object-fit: cover; border: 2px solid #5f9e9a; margin-left: -8px;
}
.avatars img:first-child { margin-left: 0; }
.avatar-plus { display: grid; place-items: center; background: rgba(255, 255, 255, 0.35); color: var(--white); font-size: 1.1rem; }
.pay-dots { display: flex; margin-top: 12px; }
.pay-dots span {
  display: grid; place-items: center; width: 32px; height: 32px; margin-right: -6px; border-radius: 50%;
  border: 2px solid var(--olive-deep); font-size: 0.75rem; font-weight: 600; color: var(--white);
}
.pay-dots span:nth-child(1) { background: #4caf50; }
.pay-dots span:nth-child(2) { background: #1a3fae; }
.pay-dots span:nth-child(3) { background: #c8a032; }
.card-olive-title { position: relative; font-size: 1.5rem; font-weight: 500; line-height: 1.15; letter-spacing: -0.035em; max-width: 260px; }

/* ---------- Olive card: ambient motion once the card has revealed ----------
   Uses the standalone translate/rotate/scale properties so it never fights the reveal transforms. */
@keyframes petal-spin { to { rotate: 360deg; } }
@keyframes bob { 0%, 100% { translate: 0 0; } 50% { translate: 0 -10px; } }
@keyframes bob-side { 0%, 100% { translate: 0 0; } 50% { translate: -8px 6px; } }
@keyframes avatar-pop { 0%, 70%, 100% { translate: 0 0; } 80% { translate: 0 -6px; } }
@keyframes dot-pulse { 0%, 60%, 100% { scale: 1; } 72% { scale: 1.18; } }
@keyframes plus-glow { 0%, 100% { background: rgba(255, 255, 255, 0.35); } 50% { background: rgba(127, 216, 207, 0.55); } }
@keyframes title-shimmer { 0%, 100% { opacity: 1; } 50% { opacity: 0.82; } }

.card-olive.is-in .petal { animation: petal-spin 40s linear infinite; transform-origin: 100px 100px; }
.card-olive.is-in .mini-send { animation: bob 5s ease-in-out 1.2s infinite; }
.card-olive.is-in .mini-pay { animation: bob-side 6s ease-in-out 1.6s infinite; }
.card-olive.is-in .mini-send .avatars img { animation: avatar-pop 3.6s ease-in-out infinite; }
.card-olive.is-in .mini-send .avatars img:nth-child(1) { animation-delay: 1.4s; }
.card-olive.is-in .mini-send .avatars img:nth-child(2) { animation-delay: 1.65s; }
.card-olive.is-in .mini-send .avatars img:nth-child(3) { animation-delay: 1.9s; }
.card-olive.is-in .avatar-plus { animation: plus-glow 3.6s ease-in-out 2.1s infinite; }
.card-olive.is-in .pay-dots span { animation: dot-pulse 3s ease-in-out infinite; }
.card-olive.is-in .pay-dots span:nth-child(1) { animation-delay: 1.6s; }
.card-olive.is-in .pay-dots span:nth-child(2) { animation-delay: 1.9s; }
.card-olive.is-in .pay-dots span:nth-child(3) { animation-delay: 2.2s; }
.card-olive.is-in .card-olive-title { animation: title-shimmer 6s ease-in-out 2s infinite; }

/* ======================== FEATURES ======================== */
.features { padding: 72px 0 40px; }
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 44px; }
.section-head .btn-outline { height: 46px; flex: none; }

.feature-grid { display: grid; grid-template-columns: 1fr 1fr 1.45fr; gap: 14px; }
.feature-grid .card { min-height: 420px; }

.card-green {
  display: grid; place-items: center; padding: 26px;
  background:
    radial-gradient(120% 70% at 20% 0%, rgba(255, 255, 255, 0.85), transparent 55%),
    linear-gradient(155deg, #e6f7f5 0%, #7fd8cf 35%, #1fbdb5 55%, #dff3f1 78%, #62c3b0 100%);
}
.inner-white { width: 100%; border-radius: 18px; background: var(--white); padding: 20px; }
.card-green .inner-white { padding: 22px 0 20px; min-width: 0; }
.card-green { grid-template-columns: minmax(0, 1fr); }
.chip-rows, .chip-row { min-width: 0; }
.card-green .h4, .card-green .small-muted { padding: 0 20px; }
.chip-rows { margin: 22px 0 18px; }
.chip-row { overflow: hidden; margin-bottom: 8px; }
.chip-track { display: flex; gap: 8px; width: max-content; animation: slide-left 16s linear infinite; }
.chip-row.reverse .chip-track { animation-name: slide-right; animation-duration: 18s; }
.chip-track span {
  flex: none; padding: 8px 14px; border-radius: 999px; font-size: 0.875rem; white-space: nowrap;
  background: #e3f5f3; color: var(--olive-ink);
}
.chip-track .dark { background: var(--olive); color: var(--white); }
.chip-track .lime { background: var(--lime); }
.chip-track .grey { background: #e3e8e7; }
.chip-track .blue { background: var(--blue); }
.chip-track .pale { background: #eef9f8; }

.card-lavender { display: flex; flex-direction: column; justify-content: space-between; padding: 26px; background: var(--lavender); }
.card-lavender .h3 { font-size: clamp(1.75rem, 2.6vw, 2.25rem); }
.balance-row { display: flex; align-items: baseline; flex-wrap: wrap; gap: 10px; margin: 8px 0 16px; }
.balance-num { font-size: 2.125rem; font-weight: 500; letter-spacing: -0.04em; font-variant-numeric: tabular-nums; transition: filter 0.2s; }
.balance-num.is-rolling { filter: blur(1.5px); }
.balance-row span { font-size: 0.75rem; color: var(--grey-text); }
.legend { display: flex; gap: 18px; font-size: 0.75rem; }
.legend li { display: grid; grid-template-columns: auto auto; column-gap: 6px; align-items: center; }
.legend i { width: 6px; height: 6px; border-radius: 1px; }
.legend b { grid-column: 2; font-weight: 400; color: var(--grey-text); margin-top: 4px; }
.sw-dark { background: var(--olive); }
.sw-mid { background: #3d8a86; }
.sw-light { background: #d3dcdb; }
.seg-bar { display: flex; height: 9px; margin-top: 16px; border-radius: 2px; overflow: hidden; }
.seg-bar i { width: var(--w); transform-origin: left; transition: width 1.4s var(--ease); }
.seg-bar i:nth-child(1) { background: var(--olive); }
.seg-bar i:nth-child(2) { background: #3d8a86; }
.seg-bar i:nth-child(3) { background: #d3dcdb; }

.card-photo { color: var(--white); }
.card-photo img, .card-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.avatars img { object-position: 50% 25%; }
.card-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0, 0, 0, 0.15) 0%, rgba(0, 0, 0, 0) 35%, rgba(0, 0, 0, 0.5) 100%); }
.photo-title { position: absolute; z-index: 1; top: 22px; left: 24px; right: 24px; font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 500; letter-spacing: -0.045em; line-height: 1.05; }
.photo-caption { position: absolute; z-index: 1; left: 24px; right: 24px; bottom: 24px; max-width: 420px; font-size: 1.25rem; font-weight: 500; line-height: 1.2; letter-spacing: -0.03em; }

/* ======================== PRICING / CALCULATOR ======================== */
.pricing { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; padding: 140px 0; }
.pricing .body { max-width: 460px; margin: 28px 0 36px; }

.calc { position: relative; padding: 26px 28px 30px; border-radius: 24px; background: var(--lime-card); }
.calc-arrow { position: absolute; top: -4px; right: -4px; width: 96px; height: 96px; color: rgba(15, 76, 74, 0.22); }
.calc-title { font-size: 1.25rem; letter-spacing: -0.02em; }
.calc hr { margin: 20px 0; border: 0; border-top: 1px solid rgba(15, 76, 74, 0.16); }
.calc-label { display: block; font-size: 1rem; }
.calc-value { display: block; margin: 14px 0 18px; font-size: clamp(2.5rem, 4.5vw, 3.25rem); font-weight: 500; letter-spacing: -0.05em; font-variant-numeric: tabular-nums; }
.calc-estimate { margin-top: 14px; font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 500; letter-spacing: -0.045em; font-variant-numeric: tabular-nums; }

.calc-range {
  --p: 13%;
  width: 100%; height: 22px; margin: 0; background: transparent; -webkit-appearance: none; appearance: none; cursor: pointer;
}
.calc-range::-webkit-slider-runnable-track {
  height: 9px; border-radius: 2px;
  background: linear-gradient(90deg, var(--olive) var(--p), rgba(15, 76, 74, 0.18) var(--p));
}
.calc-range::-moz-range-track { height: 9px; border-radius: 2px; background: rgba(15, 76, 74, 0.18); }
.calc-range::-moz-range-progress { height: 9px; border-radius: 2px; background: var(--olive); }
.calc-range::-webkit-slider-thumb { -webkit-appearance: none; width: 16px; height: 22px; margin-top: -6.5px; border-radius: 3px; background: var(--olive); }
.calc-range::-moz-range-thumb { width: 16px; height: 22px; border: 0; border-radius: 3px; background: var(--olive); }

/* ======================== SERVICES ======================== */
.services { padding: 40px 0 72px; }
.services .h2 { max-width: 760px; }
.service-list { border-top: 1px solid var(--line); }
.service {
  display: grid; grid-template-columns: 80px minmax(0, 1fr) minmax(0, 1.3fr); gap: 24px; align-items: baseline;
  padding: 30px 0; border-bottom: 1px solid var(--line);
  transition: background 0.3s var(--ease), padding 0.3s var(--ease);
}
.service:hover { background: #eef9f8; padding-inline: 20px; }
.service-num { font-size: 0.9375rem; color: var(--grey-text); font-variant-numeric: tabular-nums; }
.service-title { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 500; letter-spacing: -0.04em; line-height: 1.1; }
.service-text { font-size: 1rem; line-height: 1.55; color: var(--grey-text); }

/* Stat bars inside the lavender card */
.stat-bars { display: grid; gap: 12px; margin-top: 4px; }
.stat-bars li { display: grid; grid-template-columns: 1fr auto; row-gap: 6px; font-size: 0.75rem; }
.stat-bars b { font-weight: 500; }
.stat-bars i { grid-column: 1 / -1; height: 6px; border-radius: 2px; background: linear-gradient(90deg, var(--olive) var(--w), #dfe6e5 var(--w)); transform-origin: left; transition: --w 1.4s var(--ease); }

/* ======================== HOW IT WORKS ======================== */
.steps { padding: 96px 0 40px; }
.eyebrow { margin-bottom: 14px; font-size: 1rem; color: var(--grey-text); }
.step-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; align-items: start; }
.step-card {
  --radius: 22px;
  display: flex; flex-direction: column; min-height: 300px; padding: 26px;
  border-radius: var(--radius); border: 1px solid var(--line); background: #f5f8f7;
}
.step-card:nth-child(even) { margin-top: 48px; }
.step-lime { border-color: transparent; background: var(--lime-card); }
.step-num { font-size: clamp(2.75rem, 4vw, 3.75rem); font-weight: 500; letter-spacing: -0.05em; line-height: 1; color: rgba(16, 48, 47, 0.18); }
.step-card .h4 { margin: auto 0 12px; padding-top: 40px; }
.step-card p { font-size: 0.9375rem; line-height: 1.5; color: #55605f; }

/* ======================== QUOTE FORM (lime card) ======================== */
.quote-form .calc-label { margin: 18px 0 10px; }
.quote-form .calc-label:first-of-type { margin-top: 0; }
.calc-field {
  width: 100%; height: 52px; padding: 0 16px; border: 1px solid rgba(15, 76, 74, 0.18); border-radius: 12px;
  background: rgba(255, 255, 255, 0.55); color: var(--olive-ink); font: 400 1rem var(--font);
  transition: border-color 0.2s var(--ease), background 0.2s var(--ease);
}
.calc-field:hover { border-color: rgba(15, 76, 74, 0.35); }
.calc-field:focus-visible { outline: 2px solid var(--olive); outline-offset: 1px; background: #fff; }
.quote-form.was-submitted :invalid { border-color: #b3261e; }
.calc-submit { width: 100%; border: 0; cursor: pointer; }
.calc-msg { margin-top: 14px; font-size: 0.9375rem; }
.calc-msg:empty { display: none; }
.calc-msg.is-error { color: #8c1d18; }

/* ======================== FAQ ======================== */
.faq { background: var(--olive); color: var(--lime-text); padding: 150px 0; }
.faq-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.faq-title { color: var(--lime-text); max-width: 420px; }
.faq-sub { max-width: 380px; margin-top: 24px; font-size: 1.0625rem; line-height: 1.5; color: rgba(127, 216, 207, 0.78); }
.faq-item { border-bottom: 1px solid rgba(127, 216, 207, 0.2); }
.faq-item summary {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  padding: 24px 0; font-size: 1.25rem; letter-spacing: -0.025em; cursor: pointer; list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.pm { position: relative; flex: none; width: 18px; height: 18px; }
.pm::before, .pm::after { content: ""; position: absolute; left: 0; right: 0; top: 50%; height: 1.5px; margin-top: -0.75px; background: currentColor; transition: transform 0.3s var(--ease); }
.pm::after { transform: rotate(90deg); }
.faq-item[open] .pm::after { transform: rotate(0deg); }
.faq-a { overflow: hidden; }
.faq-a p { padding-bottom: 26px; font-size: 1rem; line-height: 1.6; color: rgba(127, 216, 207, 0.75); }

/* ======================== TESTIMONIAL ======================== */
.quote { position: relative; min-height: max(620px, 100svh); color: var(--lime-text); overflow: hidden; isolation: isolate; }
.quote-bg { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; object-position: 60% 30%; }
.quote-blur {
  position: absolute; inset: auto 0 0 0; height: 65%; z-index: -1;
  -webkit-backdrop-filter: blur(24px); backdrop-filter: blur(24px);
  -webkit-mask-image: linear-gradient(to top, #000 40%, transparent);
  mask-image: linear-gradient(to top, #000 40%, transparent);
  background: linear-gradient(to top, rgba(10, 50, 48, 0.6), rgba(10, 50, 48, 0));
}
.quote-inner { position: absolute; left: 0; right: 0; bottom: 56px; display: flex; align-items: flex-end; justify-content: space-between; gap: 32px; }
.quote-slides { display: grid; max-width: 860px; }
.quote-slide { grid-area: 1 / 1; opacity: 0; visibility: hidden; transform: translateY(14px); filter: blur(6px); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease), filter 0.6s var(--ease), visibility 0.6s; }
.quote-slide.is-active { opacity: 1; visibility: visible; transform: none; filter: none; }
.quote-slide figcaption { font-size: 1.125rem; letter-spacing: -0.02em; }
.quote-slide blockquote { margin-top: 30px; font-size: clamp(1.75rem, 3.4vw, 2.875rem); font-weight: 500; line-height: 1.12; letter-spacing: -0.035em; }
.quote-nav { display: flex; gap: 12px; flex: none; }
.round-btn {
  position: relative; display: grid; place-items: center; width: 46px; height: 46px; padding: 0;
  border: 0; border-radius: 50%; background: rgba(255, 255, 255, 0.16); color: var(--white); font-size: 1.1rem; cursor: pointer;
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  transition: background 0.2s var(--ease);
}
.round-btn:hover { background: rgba(255, 255, 255, 0.28); }
.ring-svg { position: absolute; inset: 0; width: 100%; height: 100%; transform: rotate(-90deg); }
.ring-svg circle { fill: none; stroke: var(--white); stroke-width: 1.6; stroke-dasharray: 126; stroke-dashoffset: 126; }
.ring.is-running .ring-svg circle { animation: ring var(--slide-ms, 6000ms) linear forwards; }
@keyframes ring { to { stroke-dashoffset: 0; } }

/* ======================== ARTICLES ======================== */
.articles { padding: 120px 0 60px; }
.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.article { position: relative; height: 380px; border-radius: var(--radius); overflow: hidden; color: var(--white); }
.article img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 0.8s var(--ease); }
.article:hover img { transform: scale(1.04); }
.article::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0, 0, 0, 0) 40%, rgba(8, 36, 35, 0.6) 100%); }
.article h3 { position: absolute; z-index: 1; left: 24px; right: 24px; bottom: 26px; font-size: 1.375rem; font-weight: 500; line-height: 1.15; letter-spacing: -0.035em; }

/* ======================== CTA ======================== */
.cta { padding: 120px var(--gutter) 130px; text-align: center; }
.cta .h2 { max-width: 640px; margin: 0 auto; }
.cta .body { max-width: 540px; margin: 28px auto 32px; }
.cta-row { display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 14px; }
.experts { display: inline-flex; align-items: center; gap: 10px; font-size: 1.0625rem; }
.avatars.sm { margin: 0; }
.avatars.sm img, .avatars.sm .avatar-count { width: 34px; height: 34px; border-color: #eaf8f6; }
.avatar-count { display: grid; place-items: center; background: var(--olive); color: var(--white); font-size: 0.6875rem; }
.divider { width: 1px; height: 20px; background: rgba(16, 48, 47, 0.25); }

/* ======================== FOOTER ======================== */
/* Brand column + three link columns on a shared baseline, then a thin bottom bar */
.footer-wrap { padding: 0 var(--gutter) 32px; }
.footer { padding: 56px 56px 28px; border-radius: 28px; background: var(--olive); color: var(--white); }
.ft-top { display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr)); gap: 48px; align-items: start; }
.ft-brand img { height: 64px; width: auto; filter: drop-shadow(0 0 0.6px #fff) drop-shadow(0 0 0.6px #fff) drop-shadow(0 0 0.6px #fff); }
.ft-brand p { max-width: 340px; margin: 20px 0 24px; font-size: 0.9375rem; line-height: 1.6; color: rgba(255, 255, 255, 0.65); }
.ft-cta {
  display: inline-flex; align-items: center; gap: 8px; height: 44px; padding: 0 20px; border-radius: 999px;
  background: var(--white); color: var(--olive); font-size: 0.9375rem; font-weight: 500; transition: background 0.2s;
}
.ft-cta:hover { background: #e6f4f2; }
.ft-col h3 { margin: 6px 0 18px; font-size: 0.8125rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); }
.ft-col ul { display: grid; gap: 12px; }
.ft-col a { font-size: 0.9375rem; color: rgba(255, 255, 255, 0.9); transition: color 0.2s; }
.ft-col a:hover { color: var(--brand-teal); }
.ft-contact li { display: grid; gap: 2px; }
.ft-contact span { font-size: 0.75rem; color: rgba(255, 255, 255, 0.5); }
.ft-contact address { font-style: normal; font-size: 0.9375rem; line-height: 1.5; color: rgba(255, 255, 255, 0.9); }
.ft-bottom {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 0.8125rem; color: rgba(255, 255, 255, 0.55);
}
.ft-top-link { color: rgba(255, 255, 255, 0.8); }
.ft-top-link:hover { color: var(--white); }
/* ======================== SCROLL REVEALS ========================
   Only hidden when JS is running (html.js) and motion is allowed. */
.js [data-reveal="fade"] { opacity: 0; transform: translateY(16px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); transition-delay: var(--d, 0ms); }
.js [data-reveal="rise"] { opacity: 0; transform: translateY(60px); transition: opacity 0.9s var(--ease), transform 1s var(--ease); transition-delay: var(--d, 0ms); }
.js [data-reveal="rise-far"] { opacity: 0; transform: translateY(140px); transition: opacity 1s var(--ease), transform 1.2s var(--ease); transition-delay: var(--d, 0ms); }
.js [data-reveal="grow"] {
  clip-path: inset(100% 0 0 0 round var(--radius));
  transform: translateY(40px);
  transition: clip-path 1.1s var(--ease), transform 1.1s var(--ease);
  transition-delay: var(--d, 0ms);
}
.js [data-reveal].is-in { opacity: 1; transform: none; }
.js [data-reveal="grow"].is-in { clip-path: inset(0 0 0 0 round var(--radius)); }

/* Word-by-word blur-in: words start soft and pale, then sharpen in sequence */
.js [data-reveal="words"] .w {
  display: inline-block; opacity: 0.12; filter: blur(8px); transform: translateY(0.18em);
  transition: opacity 0.7s var(--ease), filter 0.7s var(--ease), transform 0.7s var(--ease);
  transition-delay: calc(var(--d, 0ms) + var(--i) * 45ms);
}
.js [data-reveal="words"].is-in .w { opacity: 1; filter: none; transform: none; }

/* Chart and bar fills play once their card is in view */
.js .claims-chart i { transform: scaleY(0); transition: transform 0.9s var(--ease), --h 1.4s var(--ease); }
.js .claims-card.is-in .claims-chart i { transform: scaleY(1); }
.js .claims-card.is-in .col:nth-child(1) i { transition-delay: 0.5s; }
.js .claims-card.is-in .col:nth-child(2) i { transition-delay: 0.62s; }
.js .claims-card.is-in .col:nth-child(3) i { transition-delay: 0.74s; }
.js .claims-card.is-in .col:nth-child(4) i { transition-delay: 0.86s; }
.js .seg-bar i { transform: scaleX(0); transition: transform 1s var(--ease); }
.js .balance.is-in .seg-bar i { transform: scaleX(1); }
.js .balance.is-in .seg-bar i:nth-child(1) { transition-delay: 0.4s; }
.js .balance.is-in .seg-bar i:nth-child(2) { transition-delay: 0.6s; }
.js .balance.is-in .seg-bar i:nth-child(3) { transition-delay: 0.8s; }
.js .stat-bars i { transform: scaleX(0); transition: transform 1.1s var(--ease), --w 1.4s var(--ease); }
.js .balance.is-in .stat-bars i { transform: scaleX(1); }
.js .balance.is-in .stat-bars li:nth-child(1) i { transition-delay: 0.45s; }
.js .balance.is-in .stat-bars li:nth-child(2) i { transition-delay: 0.6s; }
.js .balance.is-in .stat-bars li:nth-child(3) i { transition-delay: 0.75s; }

/* ======================== OUR COVERS (horizontal scroll page) ======================== */
.page-covers {
  /* Faint grid that fades out toward the edges, like the reference */
  background:
    radial-gradient(ellipse 80% 70% at 50% 35%, transparent 0%, #f4f7f7 75%),
    linear-gradient(rgba(16, 48, 47, 0.05) 1px, transparent 1px) 0 0 / 64px 64px,
    linear-gradient(90deg, rgba(16, 48, 47, 0.05) 1px, transparent 1px) 0 0 / 64px 64px,
    #f4f7f7;
  background-attachment: fixed;
}
.cv-top { position: relative; z-index: 6; }
.page-covers .topnav { position: fixed; }
.page-covers .topnav-actions { background: rgba(11, 53, 51, 0.92); color: var(--white); }
/* Same logo as the homepage, turned dark so it reads on the light page */
.page-covers .topnav-logo img { height: 48px; width: auto; filter: brightness(0); opacity: 0.88; }

.hscroll { position: relative; }
.hscroll-sticky {
  position: sticky; top: 0; height: 100vh; height: 100svh; overflow: hidden;
  display: flex; flex-direction: column; padding: 110px 0 24px;
}

.cv-head {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 380px); gap: 24px 64px; align-items: end;
  padding: 0 var(--gutter);
}
.cv-eyebrow {
  display: inline-flex; align-items: center; gap: 8px; margin: 0 0 18px; padding: 7px 14px 7px 10px;
  border-radius: 999px; background: #eaeeee; font-size: 0.75rem; letter-spacing: 0.08em; text-transform: uppercase; color: #55605f;
}
.cv-eyebrow svg { width: 14px; height: 14px; fill: none; stroke: var(--olive); stroke-width: 2; stroke-linejoin: round; }
.cv-title { font-size: clamp(2.25rem, 4.1vw, 3.6rem); font-weight: 500; line-height: 1.02; letter-spacing: -0.045em; }
.cv-title span, .cm-title span { color: #b12473; }
.cv-intro p { font-size: 0.9375rem; line-height: 1.55; color: var(--grey-text); margin-bottom: 20px; }
.cv-intro .btn-dark { height: 44px; font-size: 0.9375rem; box-shadow: 0 10px 24px rgba(11, 53, 51, 0.25); }

.cv-track {
  --per: 4; --gap: 14px;
  display: flex; align-items: stretch; gap: var(--gap); width: max-content;
  margin-top: clamp(40px, 7vh, 72px); padding: 0 var(--gutter); will-change: transform;
}

/* Cards: start lowered and faded, pop up one by one as they slide into view */
.cv-card {
  /* Exactly --per cards fit across the screen; height fills the space under the title */
  --card-h: clamp(340px, calc(100svh - 470px), 600px);
  position: relative; flex: none; height: var(--card-h);
  width: calc((100vw - 2 * var(--gutter) - (var(--per) - 1) * var(--gap)) / var(--per));
  border-radius: 22px; overflow: hidden; background: #fff;
  box-shadow: 0 1px 0 rgba(16, 48, 47, 0.04), 0 18px 40px rgba(16, 48, 47, 0.08);
  opacity: 0; transform: translateY(80px) scale(0.94);
  transition: opacity 0.7s var(--ease), transform 0.9s var(--spring, cubic-bezier(0.34, 1.45, 0.5, 1)), box-shadow 0.3s var(--ease);
}
.cv-card.is-in { opacity: 1; transform: none; }
.cv-card:hover { box-shadow: 0 1px 0 rgba(16, 48, 47, 0.04), 0 26px 56px rgba(16, 48, 47, 0.16); }

.cv-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.cv-card:hover .cv-img, .cv-feature:hover .cv-media img { transform: scale(1.05); }
/* Smooth white overlay: photo at the top melting into a clean white panel for the text */
.cv-card:not(.cv-feature):not(.cv-end)::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(to top, #fff 0%, #fff 34%, rgba(255, 255, 255, 0.92) 46%, rgba(255, 255, 255, 0.55) 60%, rgba(255, 255, 255, 0) 82%);
}
.cv-num {
  position: absolute; z-index: 1; top: 20px; left: 24px;
  font-size: 2.75rem; font-weight: 500; letter-spacing: -0.05em; line-height: 1;
  color: rgba(255, 255, 255, 0.82); text-shadow: 0 2px 18px rgba(0, 0, 0, 0.18);
}
.cv-body { position: absolute; z-index: 1; left: 24px; right: 24px; bottom: 24px; }
.cv-icon { display: grid; place-items: center; width: 32px; height: 32px; margin-bottom: 14px; border-radius: 9px; background: #e6f4f2; }
.cv-icon svg { width: 17px; height: 17px; fill: none; stroke: var(--olive); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.cv-body h3 { font-size: 1.5rem; font-weight: 500; letter-spacing: -0.03em; line-height: 1.15; }
.cv-body p { margin-top: 8px; font-size: 0.9375rem; line-height: 1.5; color: var(--grey-text); }

/* Category cards: wider and taller, image on top fading into the white body */
.cv-feature { }
.cv-media { position: absolute; inset: 0 0 auto 0; height: 42%; overflow: hidden; }
.cv-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.cv-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 45%, rgba(255, 255, 255, 0.7) 78%, #fff 100%); }
.cv-feature .cv-body { left: 26px; right: 26px; bottom: 26px; }
.cv-tag { font-size: 0.75rem; letter-spacing: 0.08em; text-transform: uppercase; color: #b12473; margin-bottom: 6px; }
.cv-feature .cv-body h3 { font-size: clamp(1.4rem, 1.9vw, 1.75rem); letter-spacing: -0.04em; }
.cv-feature .cv-icon { margin-bottom: 10px; }
.cv-feature .cv-body p:not(.cv-tag) { font-size: 0.8125rem; }
.cv-feature .cv-link { margin-top: 10px; }
.cv-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; font-size: 0.9375rem; font-weight: 500; text-decoration: underline; text-underline-offset: 4px; }
.cv-link.light { color: var(--white); }

.cv-end {
  display: flex; flex-direction: column; justify-content: flex-end; padding: 30px;
  background: var(--olive); color: var(--white);
}
.cv-end .cv-tag { color: var(--lime); }
.cv-end h3 { font-size: 2rem; font-weight: 500; letter-spacing: -0.04em; line-height: 1.05; }
.cv-end p:not(.cv-tag) { margin-top: 14px; font-size: 0.9375rem; line-height: 1.5; color: rgba(255, 255, 255, 0.7); }
.cv-end-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 18px; margin-top: 24px; }
.cv-end-actions .cv-link { margin-top: 0; }

.cv-controls { display: flex; align-items: center; gap: 24px; margin: 22px var(--gutter) 0; }
.cv-progress { flex: 1; height: 3px; border-radius: 3px; background: rgba(16, 48, 47, 0.1); overflow: hidden; }
.cv-arrows { display: flex; gap: 10px; }
.cv-arrow { background: var(--olive); color: var(--white); }
.cv-arrow:hover { background: var(--olive-hover); }
.cv-arrow:disabled { opacity: 0.3; cursor: default; }
.cv-progress span { display: block; height: 100%; background: var(--olive); transform-origin: left; transform: scaleX(0); }
.page-covers .footer-wrap { padding-top: 24px; }

/* ======================== CONTACT MODAL ======================== */
.contact-modal {
  width: min(600px, calc(100% - 32px)); max-height: calc(100% - 32px); padding: 0; border: 0;
  background: transparent; overflow: visible; color: var(--olive-ink);
}
.contact-modal::backdrop { background: rgba(6, 30, 29, 0.45); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); }
.contact-modal[open] .cm-card { animation: cm-in 0.6s var(--spring, cubic-bezier(0.34, 1.45, 0.5, 1)) both; }
.contact-modal[open]::backdrop { animation: cm-fade 0.3s ease-out both; }
.contact-modal.is-closing .cm-card { animation: cm-out 0.22s ease-in both; }
.contact-modal.is-closing::backdrop { animation: cm-fade 0.22s ease-in reverse both; }
@keyframes cm-in { from { opacity: 0; transform: translateY(40px) scale(0.92); } to { opacity: 1; transform: none; } }
@keyframes cm-out { to { opacity: 0; transform: translateY(20px) scale(0.96); } }
@keyframes cm-fade { from { opacity: 0; } to { opacity: 1; } }

.cm-card {
  position: relative; max-height: calc(100vh - 32px); overflow: auto; padding: 32px;
  border-radius: 26px; background: #fff;
  background-image: linear-gradient(rgba(16, 48, 47, 0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(16, 48, 47, 0.04) 1px, transparent 1px);
  background-size: 40px 40px; box-shadow: 0 40px 100px rgba(6, 30, 29, 0.35);
}
.cm-close {
  position: absolute; top: 18px; right: 18px; display: grid; place-items: center; width: 40px; height: 40px; padding: 0;
  border: 0; border-radius: 50%; background: #e6f4f2; color: var(--olive); cursor: pointer; transition: background 0.2s, transform 0.3s var(--ease);
}
.cm-close:hover { background: var(--lime); transform: rotate(90deg); }
.cm-close svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; }
.cm-title { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 500; line-height: 1.02; letter-spacing: -0.045em; }
.cm-sub { margin: 14px 0 22px; font-size: 0.9375rem; line-height: 1.5; color: var(--grey-text); }
.cm-tiles { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.35fr) minmax(0, 1fr); gap: 8px; margin-bottom: 22px; }
/* Label on top, value directly below, both pinned to the top so every tile lines up */
.cm-tile { display: flex; flex-direction: column; justify-content: flex-start; gap: 6px; padding: 14px 16px; border-radius: 14px; background: #f0f5f4; transition: background 0.2s; }
a.cm-tile:hover { background: var(--lime); }
.cm-tile span { display: block; line-height: 1.2; font-size: 0.6875rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey-text); }
.cm-tile b { display: block; line-height: 1.35; font-size: 0.8125rem; font-weight: 500; overflow-wrap: break-word; }
.cm-form { display: grid; gap: 12px; }
.cm-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.cm-form label { display: grid; gap: 6px; font-size: 0.8125rem; }
.cm-form input, .cm-form textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 12px; background: #fff;
  font: 400 1rem var(--font); color: var(--olive-ink); resize: vertical;
}
.cm-form input:focus-visible, .cm-form textarea:focus-visible { outline: 2px solid var(--olive); outline-offset: 1px; }
.cm-form.was-submitted :invalid { border-color: #b3261e; }
.cm-submit { width: 100%; border: 0; cursor: pointer; margin-top: 4px; }
.cm-msg { font-size: 0.875rem; }
.cm-msg:empty { display: none; }
.cm-msg.is-error { color: #8c1d18; }
/* ======================== ABOUT PAGE ======================== */
/* Hero: photo with the homepage nav, copy bottom-left, floating advisor card, value pills along the bottom */
.ab-hero .hero-media { object-position: 60% 40%; }
.ab-hero-inner {
  position: absolute; left: var(--gutter); right: var(--gutter); bottom: 120px;
  display: flex; align-items: flex-end; justify-content: space-between; gap: 32px;
}
.ab-kicker { margin-bottom: 14px; font-size: 0.875rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--white); text-shadow: 0 1px 12px rgba(0, 0, 0, 0.35); }
.ab-hero-title { max-width: 760px; font-size: clamp(2.75rem, 5.8vw, 5.25rem); font-weight: 500; line-height: 0.98; letter-spacing: -0.05em; }
.ab-advisor {
  flex: none; width: 280px; padding: 10px; border-radius: 22px;
  border: 1px solid rgba(255, 255, 255, 0.3); background: rgba(255, 255, 255, 0.14);
  -webkit-backdrop-filter: blur(16px); backdrop-filter: blur(16px);
}
.ab-advisor img { width: 100%; aspect-ratio: 4 / 3; height: auto; object-fit: cover; border-radius: 14px; }
.ab-advisor-row { display: flex; align-items: flex-end; justify-content: space-between; gap: 12px; padding: 12px 6px 4px; }
.ab-advisor strong { display: block; font-size: 1.0625rem; font-weight: 500; letter-spacing: -0.02em; }
.ab-advisor span { display: block; margin-top: 2px; font-size: 0.8125rem; color: rgba(255, 255, 255, 0.78); }
.ab-advisor-go {
  flex: none; display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%;
  background: var(--white); color: var(--olive); transition: transform 0.3s var(--ease), background 0.2s;
}
.ab-advisor-go:hover { transform: rotate(45deg); background: var(--lime); }
.ab-advisor-go svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.ab-hero-pills {
  position: absolute; left: var(--gutter); right: var(--gutter); bottom: 32px;
  display: flex; justify-content: space-between; gap: 12px; padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.25);
}
.ab-hero-pills li {
  padding: 10px 18px; border-radius: 999px; font-size: 0.875rem;
  border: 1px solid rgba(255, 255, 255, 0.35); background: rgba(255, 255, 255, 0.12);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
}

/* Stats row */
.ab-stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; padding: 72px 0 64px; }
.ab-stat { padding-left: 20px; border-left: 1px solid var(--line); }
.ab-stat strong { display: block; font-size: clamp(2.75rem, 4.5vw, 4rem); font-weight: 500; letter-spacing: -0.05em; line-height: 1; font-variant-numeric: tabular-nums; }
.ab-stat span { display: block; margin-top: 10px; font-size: 0.9375rem; color: var(--grey-text); }

/* Bordered about grid, like the reference: thin rules between cells */
.ab-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr));
  margin: 0 var(--gutter); border-top: 1px solid var(--line); border-left: 1px solid var(--line);
}
.ab-cell { padding: 32px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.ab-cell-img img { width: 100%; height: 100%; min-height: 300px; max-height: 420px; object-fit: cover; border-radius: 20px; }
.ab-cell-intro { grid-column: span 2; display: flex; flex-direction: column; justify-content: center; padding: 48px; }
.ab-cell-intro .cv-eyebrow { align-self: flex-start; }
.ab-cell-intro .h2 { max-width: 640px; }
.ab-cell-intro .body { max-width: 560px; margin: 22px 0 28px; color: var(--grey-text); }
.ab-cell-intro .btn-dark { align-self: flex-start; }
.ab-cell-feature { display: flex; flex-direction: column; }
.ab-feature-icon { display: grid; place-items: center; width: 40px; height: 40px; margin-bottom: 40px; border-radius: 50%; background: #e6f4f2; }
.ab-feature-icon svg { width: 18px; height: 18px; fill: none; stroke: var(--olive); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.ab-cell-feature h3 { font-size: 1.5rem; font-weight: 500; letter-spacing: -0.03em; line-height: 1.15; margin-top: auto; }
.ab-cell-feature p { margin: 10px 0 18px; font-size: 0.9375rem; line-height: 1.55; color: var(--grey-text); }
.ab-more {
  align-self: flex-start; padding: 8px 16px; border: 1px solid rgba(16, 48, 47, 0.25); border-radius: 999px;
  font-size: 0.8125rem; font-weight: 500; transition: background 0.2s, border-color 0.2s;
}
.ab-more:hover { background: var(--lime); border-color: var(--lime); }

/* How it works: grey panel, pills, three-up carousel with arrows */
.ab-how { padding: 96px var(--gutter) 40px; }
.ab-how-panel { padding: 56px 0 40px; border-radius: 32px; background: #eff4f3; overflow: hidden; }
.ab-how-head { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 var(--gutter); }
.ab-how-head .cv-eyebrow { margin-bottom: 14px; }
.ab-how-head .body { max-width: 560px; margin-top: 16px; color: var(--grey-text); }
.ab-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; margin-top: 28px; }
.ab-pill {
  min-height: 44px; padding: 0 20px; border: 1px solid var(--line); border-radius: 999px; background: #fff;
  font: 500 0.9375rem var(--font); color: var(--olive-ink); cursor: pointer; transition: background 0.25s var(--ease), color 0.25s, border-color 0.25s;
}
.ab-pill:hover { border-color: rgba(16, 48, 47, 0.35); }
.ab-pill[aria-selected="true"] { background: var(--olive); border-color: var(--olive); color: var(--white); }

.ab-carousel { position: relative; height: clamp(360px, 46vw, 560px); margin-top: 44px; touch-action: pan-y; }
.ab-slide {
  position: absolute; top: 50%; left: 50%; width: 44%; height: 100%;
  border-radius: 24px; overflow: hidden; background: #ddd; color: var(--white);
  transform: translate(-50%, -50%) scale(0.5); opacity: 0;
  transition: transform 0.7s var(--spring, cubic-bezier(0.34, 1.45, 0.5, 1)), opacity 0.5s var(--ease);
}
.ab-slide img { width: 100%; height: 100%; object-fit: cover; }
.ab-slide::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0, 0, 0, 0) 45%, rgba(6, 30, 29, 0.75) 100%); }
.ab-slide.is-active { transform: translate(-50%, -50%); opacity: 1; z-index: 2; }
.ab-slide.is-prev { transform: translate(calc(-50% - 86%), -50%) scale(0.62); opacity: 1; z-index: 1; }
.ab-slide.is-next { transform: translate(calc(-50% + 86%), -50%) scale(0.62); opacity: 1; z-index: 1; }
.ab-slide-text {
  position: absolute; z-index: 1; left: 28px; right: 28px; bottom: 26px;
  opacity: 0; transform: translateY(14px); transition: opacity 0.4s var(--ease) 0.15s, transform 0.5s var(--ease) 0.15s;
}
.ab-slide.is-active .ab-slide-text { opacity: 1; transform: none; }
.ab-slide-text span { font-size: 0.8125rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--lime-text); }
.ab-slide-text h3 { margin-top: 6px; font-size: clamp(1.5rem, 2.4vw, 2.125rem); font-weight: 500; letter-spacing: -0.04em; line-height: 1.08; }
.ab-slide-text p { max-width: 420px; margin-top: 8px; font-size: 0.9375rem; line-height: 1.5; color: rgba(255, 255, 255, 0.85); }
.ab-slide:not(.is-active) { cursor: pointer; }

.ab-arrow {
  position: absolute; z-index: 3; top: 50%; display: grid; place-items: center; width: 56px; height: 56px; padding: 0;
  border: 0; border-radius: 50%; background: #fff; color: var(--olive); cursor: pointer;
  box-shadow: 0 10px 30px rgba(6, 30, 29, 0.18); transform: translate(-50%, -50%);
  transition: background 0.2s, transform 0.3s var(--ease);
}
.ab-arrow:hover { background: var(--lime); }
.ab-arrow-prev { left: 28%; }
.ab-arrow-next { left: 72%; }
.ab-arrow svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

.ab-how-foot { display: flex; align-items: center; justify-content: center; gap: 28px; margin-top: 36px; }
.ab-dots { display: flex; gap: 6px; }
.ab-dots i { width: 8px; height: 8px; border-radius: 999px; background: rgba(16, 48, 47, 0.2); transition: width 0.3s var(--ease), background 0.3s; }
.ab-dots i.is-on { width: 26px; background: var(--olive); }
/* Hero buttons (teal) use white text */
.hero .btn-lime, .nav-quote { color: var(--white); font-weight: 500; }
.page-covers .nav-quote { color: var(--white); }

/* FAQ and mission text in white on their dark/photo backgrounds */
.faq-title, .faq-item summary { color: var(--white); }
.faq-sub, .faq-a p { color: rgba(255, 255, 255, 0.78); }
.faq-item { border-bottom-color: rgba(255, 255, 255, 0.18); }
.quote, .quote-slide figcaption, .quote-slide blockquote { color: var(--white); }

/* ======================== HORIZONTAL NAV (pill + covers dropdown) ======================== */
/* Logo and quote button sit free; only the links live in a bordered, untinted glass pill.
   No side padding, so the logo lines up with the hero title on the same gutter. */
.topnav { position: absolute; top: 24px; left: var(--gutter); right: var(--gutter); z-index: 20; display: block; }
.nav-pill { display: flex; align-items: center; gap: 16px; color: var(--white); }
.nav-logo { flex: none; display: block; }
.nav-logo img { height: 64px; width: auto; filter: drop-shadow(0 2px 10px rgba(0, 0, 0, 0.25)); }
.page-covers .nav-logo img { filter: none; }
.nav-logo .logo-color { display: none; }
.nav-links {
  display: flex; align-items: center; gap: 2px; margin: 0 auto; padding: 5px;
  border-radius: 999px; border: 1px solid rgba(255, 255, 255, 0.4);
  background: rgba(255, 255, 255, 0.06);
  -webkit-backdrop-filter: blur(18px) saturate(160%); backdrop-filter: blur(18px) saturate(160%);
}
.nav-links > li > a, .dd-btn {
  display: inline-flex; align-items: center; gap: 6px; min-height: 42px; padding: 0 16px;
  border: 0; border-radius: 999px; background: transparent; color: inherit;
  font: 500 0.9375rem var(--font); letter-spacing: -0.01em; cursor: pointer; white-space: nowrap;
  transition: background 0.2s var(--ease), color 0.2s;
}
.nav-links > li > a:hover, .dd-btn:hover, .has-dd.is-open .dd-btn { background: rgba(255, 255, 255, 0.16); }
.nav-links a[aria-current="page"], .dd-btn[aria-current="page"] { background: rgba(255, 255, 255, 0.2); }
.dd-btn svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.3s var(--ease); }
.has-dd.is-open .dd-btn svg { transform: rotate(180deg); }
.nav-quote {
  flex: none; display: inline-flex; align-items: center; min-height: 46px; padding: 0 24px; border-radius: 999px;
  background: var(--brand-teal); color: var(--white); font-size: 0.9375rem; font-weight: 500; white-space: nowrap;
  transition: background 0.2s var(--ease);
}
.nav-quote:hover { background: #4fd0c9; }
.nav-burger { display: none; }
/* Covers dropdown */
.has-dd { position: relative; }
.dd {
  position: absolute; top: calc(100% + 12px); left: 50%; width: 320px; padding: 8px;
  border-radius: 20px; border: 1px solid var(--line); background: #fff; color: var(--olive-ink);
  box-shadow: 0 24px 60px rgba(6, 30, 29, 0.22);
  opacity: 0; visibility: hidden; transform: translate(-50%, -8px);
  transition: opacity 0.2s var(--ease), transform 0.25s var(--ease), visibility 0.2s;
}
/* Invisible bridge so the menu doesn't close while the pointer crosses the gap */
.dd::before { content: ""; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.has-dd.is-open .dd { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
@media (hover: hover) and (min-width: 1025px) {
  .has-dd:hover .dd { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
  .has-dd:hover .dd-btn svg { transform: rotate(180deg); }
}
.dd a { display: block; padding: 12px 14px; border-radius: 14px; transition: background 0.2s; }
.dd a:hover, .dd a:focus-visible { background: #e6f4f2; }
.dd b { display: block; font-size: 0.9375rem; font-weight: 600; letter-spacing: -0.01em; }
.dd span { display: block; margin-top: 2px; font-size: 0.8125rem; color: var(--grey-text); }
.dd a.dd-all { margin-top: 4px; border-top: 1px solid var(--line); border-radius: 0 0 14px 14px; font-size: 0.875rem; font-weight: 600; color: var(--brand-magenta); }
.dd a.dd-all span { display: inline; color: inherit; }

/* Light pages: same glass pill with a subtle dark border, full-colour logo, dark text */
.page-covers .topnav { position: fixed; }
.page-covers .nav-pill { color: var(--olive-ink); }
.page-covers .nav-links { border-color: rgba(16, 48, 47, 0.18); background: rgba(255, 255, 255, 0.4); }
.page-covers .nav-links > li > a:hover, .page-covers .dd-btn:hover, .page-covers .has-dd.is-open .dd-btn { background: rgba(16, 48, 47, 0.07); }
.page-covers .nav-links a[aria-current="page"], .page-covers .dd-btn[aria-current="page"] { background: rgba(16, 48, 47, 0.08); }
.page-covers .nav-logo .logo-light { display: none; }
.page-covers .nav-logo .logo-color { display: block; }

/* Tablet and phone: logo, quote button and a bordered glass burger; links open as a glass panel */
@media (max-width: 1024px) {
  .nav-pill { position: relative; flex-wrap: wrap; gap: 10px; }
  .nav-burger {
    display: grid; place-items: center; flex: none; width: 46px; height: 46px; padding: 0; border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.4); background: rgba(255, 255, 255, 0.06); color: inherit; cursor: pointer;
    -webkit-backdrop-filter: blur(18px); backdrop-filter: blur(18px);
  }
  .page-covers .nav-burger { border-color: rgba(16, 48, 47, 0.18); background: rgba(255, 255, 255, 0.4); }
  .nav-burger svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; }
  .nav-burger .b-close, .nav-burger[aria-expanded="true"] .b-open { display: none; }
  .nav-burger[aria-expanded="true"] .b-close { display: inline; }
  .nav-quote { margin-left: auto; }
  .nav-links {
    order: 3; flex-basis: 100%; display: none; flex-direction: column; align-items: stretch; gap: 2px;
    margin: 4px 0 0; padding: 8px; border-radius: 24px;
    /* the open panel needs a backing so the links stay readable over the photo */
    background: rgba(8, 30, 29, 0.72);
  }
  .page-covers .nav-links { background: rgba(255, 255, 255, 0.96); }
  .nav-pill.is-open .nav-links { display: flex; }
  .nav-links > li > a, .dd-btn { width: 100%; justify-content: space-between; min-height: 48px; font-size: 1.0625rem; }
  .dd {
    position: static; width: auto; margin: 2px 0 6px; padding: 4px; transform: none; box-shadow: none;
    display: none; opacity: 1; visibility: visible; border-radius: 16px;
  }
  .dd::before { display: none; }
  .has-dd.is-open .dd { display: block; transform: none; }
  /* Shorter hero on tablets: the photo still fills the top, the headline sits near the fold */
  .hero { min-height: clamp(560px, 72svh, 720px); }
}@media (max-width: 520px) {
  /* Shorter hero on phones */
  .hero { min-height: clamp(520px, 74svh, 620px); }
  .topnav { top: 14px; }
  .nav-logo img { height: 46px; }
  .nav-quote { padding: 0 16px; min-height: 44px; font-size: 0.875rem; }
  .nav-burger { width: 44px; height: 44px; }
}
/* ======================== VIOLET-RED ACCENTS ========================
   Balance the teal with the logo's violet-red (#B12473): primary hero CTAs,
   numbers, labels, one card per group and a few small details. */
:root { --vr: #b12473; --vr-hover: #9c1f65; --vr-tint: #f8e6ef; --vr-soft: #e9a9c8; }

/* Primary hero CTAs: violet-red with white text (also passes contrast, ~6:1) */
.nav-quote, .hero .btn-lime { background: var(--vr); color: var(--white); }
.nav-quote:hover, .hero .btn-lime:hover { background: var(--vr-hover); }

/* Labels and numbers */
.eyebrow, .ab-kicker { color: var(--vr); }
.hero .ab-kicker { color: var(--white); }
.service-num { color: var(--vr); font-weight: 500; }
.service:hover { background: var(--vr-tint); }
.service:hover .service-title { color: var(--vr); }
.badge-dark { background: var(--vr); color: var(--white); }
.claims-tabs .is-active { color: var(--vr); }
.claims-chart .col:nth-child(even) .lime { background: var(--vr-soft); }

/* Cards: the stats card and one of the four steps take the violet-red tint */
.card-lavender { background: var(--vr-tint); }
.card-lavender .h3 { color: var(--vr); }
.stat-bars i { background: linear-gradient(90deg, var(--vr) var(--w), #ecd3e0 var(--w)); }
.step-card:nth-child(4) { background: var(--vr-tint); border-color: transparent; }
.step-card:nth-child(4) .step-num { color: rgba(177, 36, 115, 0.35); }
.step-lime .step-num { color: rgba(16, 48, 47, 0.2); }
.chip-track .lime { background: var(--vr); color: var(--white); }
.mini-pay { border-color: var(--vr-soft); }
.chip-lime { background: var(--vr); color: var(--white); }

/* FAQ + mission details */
.faq-item[open] summary, .faq-item summary:hover { color: var(--vr-soft); }
.pm { color: var(--vr-soft); }
/* Mission video banner: black overlay over the video, white text */
.quote { background: #000; }
.quote-bg { opacity: 0.55; }
.quote-blur { background: linear-gradient(to top, rgba(0, 0, 0, 0.9), rgba(0, 0, 0, 0.15)); }
.quote-slide figcaption { color: var(--white); }
.ring-svg circle { stroke: var(--white); }

/* Covers, About, modal, footer */
.cv-num { color: rgba(255, 255, 255, 0.9); }
.ab-pill[aria-selected="true"] { background: var(--olive); border-color: var(--olive); }
.ab-dots i.is-on { background: var(--olive); }
.ab-stat strong { color: var(--olive-ink); }
.ab-slide-text span { color: var(--vr-soft); }
.ab-more:hover { background: var(--brand-teal); border-color: var(--brand-teal); color: var(--white); }
.cm-title span { color: var(--vr); }
.cv-title span { color: var(--brand-teal); }
.more i { background: var(--vr-soft); }
/* Homepage section titles: a deliberate break so each title reads as two balanced lines.
   text-wrap: balance keeps the two lines even. */
.h2 { text-wrap: balance; }
.split-copy .h2, .services .h2, .faq-title { max-width: none; }
.pricing { grid-template-columns: 1.25fr 1fr; }
/* Fariji logo always in its original colours */
.nav-logo .logo-light { display: none; }
.nav-logo .logo-color { display: block; }
/* Over photo heroes the colour logo sits on a soft white glass tile so it stays crisp on any frame */
.nav-logo { padding: 0; background: none; }
.nav-logo img { height: 60px; filter: drop-shadow(0 0 0.6px #fff) drop-shadow(0 0 0.6px #fff) drop-shadow(0 0 0.6px #fff); }
.page-covers .nav-logo { padding: 0; background: none; -webkit-backdrop-filter: none; backdrop-filter: none; }
.page-covers .nav-logo img { height: 64px; }
@media (max-width: 520px) { .nav-logo img { height: 40px; } .page-covers .nav-logo img { height: 46px; } }
.page-covers .nav-logo img { filter: none; }
/* Footer: colour logo on a white tile so it reads on the deep teal */
/* About hero: value pills grouped on the left */
.ab-hero-pills { justify-content: flex-start; gap: 10px; }

/* Contact modal tiles: every value on one line */
.cm-card { width: 100%; }
.contact-modal { width: min(720px, calc(100% - 32px)); }
.cm-tiles { grid-template-columns: auto auto auto; }
.cm-tile b { white-space: nowrap; }

/* Covers: no arrow buttons; the progress bar alone shows position */
.cv-arrows { display: none; }

@media (max-width: 760px) {
  .cm-tiles { grid-template-columns: 1fr; }
  .cm-tile b { white-space: normal; }
  .ab-hero-pills li:nth-child(3) { display: list-item; }
  .ab-hero-pills { gap: 8px; }
  .ab-hero-pills li { padding: 7px 12px; font-size: 0.75rem; }
  .nav-logo img { height: 46px; }
  .cv-controls { margin-top: 18px; }
  .hscroll-sticky { padding-bottom: 20px; }
  .cv-head { margin-top: 8px; }
  .cv-intro .btn-dark { height: 44px; }
  .ab-stat { padding-left: 14px; }
  .ab-stat span { font-size: 0.875rem; }
  .ab-cell-intro { padding: 24px; }
  .ab-cell-feature h3 { font-size: 1.25rem; }
  .ab-feature-icon { margin-bottom: 20px; }
  .ab-slide-text h3 { font-size: 1.375rem; }
  .ab-slide-text p { font-size: 0.875rem; }
  .ab-slide-text { left: 18px; right: 18px; bottom: 18px; }
  .cm-title { font-size: 1.875rem; }
  .cm-sub { margin: 10px 0 16px; }
  .cm-tiles { gap: 6px; margin-bottom: 16px; }
  .cm-tile { flex-direction: row; justify-content: space-between; align-items: baseline; padding: 12px 14px; }
  .faq-list { margin-top: 4px; }
}
/* Visually hidden but read by screen readers and search engines */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

@media (max-width: 1080px) {
  .ft-top { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .ft-brand { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  .footer { padding: 36px 24px 24px; border-radius: 24px; }
  .ft-top { grid-template-columns: 1fr 1fr; gap: 32px 20px; }
  .ft-col:last-child { grid-column: 1 / -1; }
  .ft-brand p { margin: 16px 0 20px; }
  .ft-bottom { margin-top: 32px; padding-top: 20px; }
}
/* ======================== RESPONSIVE ======================== */
@media (max-width: 1080px) {
  .split, .pricing, .faq-inner { grid-template-columns: 1fr; gap: 40px; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .ab-advisor { display: none; }
  .ab-stats { grid-template-columns: 1fr 1fr; row-gap: 40px; }
  .ab-grid { grid-template-columns: 1fr 1fr; }
  .ab-cell-intro { grid-column: span 1; padding: 32px; }
  .ab-cell-img-wide { display: none; }
  .cv-track { --per: 2; }
  .step-grid { grid-template-columns: 1fr 1fr; }
  .step-card:nth-child(even) { margin-top: 0; }
  .service { grid-template-columns: 56px minmax(0, 1fr); }
  .service-text { grid-column: 2; }
  .card-photo { grid-column: 1 / -1; }
  .hero-inner { grid-template-columns: 1fr; }
  .scroll-rail, .claims-card { display: none; }
}

@media (max-width: 760px) {
  .hero-inner { bottom: 28px; }
  .hero { border-radius: 0 0 26px 26px; }
  .ab-hero-inner { bottom: 104px; }
  .ab-hero-pills { justify-content: flex-start; flex-wrap: wrap; bottom: 20px; padding-top: 16px; }
  .ab-hero-pills li { padding: 8px 14px; font-size: 0.8125rem; }
  .ab-stat strong { font-size: 2.5rem; }
  .ab-grid { grid-template-columns: 1fr; }
  .ab-cell { padding: 24px; }
  .ab-cell-img img { min-height: 240px; }
  .ab-how { padding-top: 64px; }
  .ab-how-panel { padding-top: 40px; border-radius: 24px; }
  .ab-slide { width: 80%; }
  .ab-slide.is-prev { transform: translate(calc(-50% - 104%), -50%) scale(0.9); }
  .ab-slide.is-next { transform: translate(calc(-50% + 104%), -50%) scale(0.9); }
  .ab-arrow { width: 46px; height: 46px; top: calc(100% + 34px); }
  .ab-arrow-prev { left: 38%; }
  .ab-arrow-next { left: 62%; }
  .ab-carousel { margin-bottom: 72px; }
  .ab-how-foot { flex-direction: column; gap: 18px; }
  .marquee-track li { padding: 0 44px; }
  .hscroll-sticky { padding-top: 84px; }
  .cv-head { grid-template-columns: 1fr; gap: 12px; }
  .cv-intro p { display: none; }
  .cv-title { font-size: 2.25rem; }
  .cv-eyebrow { margin-bottom: 10px; }
  .cv-track { --per: 1; }
  .cv-card { --card-h: clamp(360px, calc(100svh - 330px), 520px); }
  .cv-num { font-size: 2.5rem; }
  .cm-card { padding: 24px 20px; }
  .cm-tiles, .cm-row { grid-template-columns: 1fr; }
  .hero-sub { font-size: 1rem; }
  .split-cards, .feature-grid, .article-grid, .step-grid { grid-template-columns: 1fr; }
  .step-card { min-height: 0; }
  .service { grid-template-columns: 40px minmax(0, 1fr); gap: 12px; }
  .service:hover { padding-inline: 0; }
  .card-olive { min-height: 360px; }
  .section-head { flex-direction: column; align-items: flex-start; }
  .pricing, .faq { padding: 96px 0; }
  .quote-inner { flex-direction: column; align-items: flex-start; bottom: 32px; }
  .article { height: 300px; }
}

@media (max-width: 1080px) and (min-width: 761px) {
  .service { grid-template-columns: 44px minmax(0, 1fr); column-gap: 16px; }
}

/* ======================== PHONE POLISH ========================
   One spacing scale (8px rhythm), tighter type, side-by-side button pairs and shorter,
   lighter scroll motion so everything settles quickly on small screens. */
@media (max-width: 760px) {
  /* Section rhythm: 56px between sections, 24px inside headers */
  .partners { padding: 48px 0 8px; }
  .marquee { margin-top: 24px; }
  .split { padding: 48px 0 56px; gap: 32px; }
  .services { padding: 0 0 56px; }
  .features { padding: 0 0 8px; }
  .steps { padding: 56px 0 8px; }
  .pricing, .faq { padding: 64px 0; }
  .pricing { gap: 32px; }
  .faq-inner { gap: 24px; }
  .cta { padding: 64px var(--gutter) 72px; }
  .footer-wrap { padding-bottom: 16px; }
  .section-head { gap: 16px; margin-bottom: 28px; }
  .ab-stats { padding: 48px 0 40px; }
  .ab-how { padding: 56px var(--gutter) 8px; }

  /* Type scale */
  .hero-title, .ab-hero-title { font-size: clamp(2.375rem, 10.5vw, 3rem); line-height: 1; }
  .h2 { font-size: clamp(1.875rem, 7.6vw, 2.25rem); line-height: 1.06; }
  .cv-title { font-size: clamp(1.875rem, 7.6vw, 2.25rem); }
  .h3, .card-olive-title { font-size: 1.375rem; }
  .lead, .body, .faq-sub { font-size: 1rem; }
  .faq-item summary { font-size: 1.0625rem; padding: 20px 0; }
  .btn-row { margin: 24px 0 32px; }
  .pricing .body { margin: 16px 0 24px; }
  .cta .body { margin: 16px auto 24px; }

  /* Button pairs sit side by side at equal width */
  .btn-row, .cta-row { flex-wrap: nowrap; gap: 10px; }
  .btn-row > a, .page-about .cta-row > a { flex: 1 1 0; min-width: 0; height: 48px; padding: 0 14px; font-size: 0.9375rem; }
  .cta-row .divider { display: none; }
  .ab-how-foot { flex-direction: row; justify-content: space-between; padding: 0 var(--gutter); }
  .ab-how-foot .btn-dark { height: 46px; padding: 0 18px; font-size: 0.9375rem; }

  /* Cards size to their content instead of keeping desktop heights */
  .card-blue, .feature-grid .card:not(.card-photo) { min-height: 0; }
  .card-blue .arrow-list { margin-bottom: 0; }
  .card-blue .btn-sm { margin-top: 24px; }
  .card-lavender { gap: 24px; }
  .card-green { padding: 22px; }
  .card-photo { min-height: 360px; }
  .card-olive { min-height: 300px; }
  .mini-send { top: 32px; left: 20px; }
  .mini-pay { right: 20px; top: 132px; }
  .cv-media { height: 56%; }
  /* About step pills: one row, scrolls sideways if a very narrow screen needs it */
  .ab-pills { flex-wrap: nowrap; justify-content: flex-start; gap: 6px; width: 100%; overflow-x: auto; scrollbar-width: none; padding-bottom: 2px; }
  .ab-pills::-webkit-scrollbar { display: none; }
  .ab-pill { flex: none; min-height: 42px; padding: 0 14px; font-size: 0.875rem; }
  .ab-how-head .body { margin-top: 12px; }
  .ab-carousel { margin-top: 28px; }
  /* Mission video banner: shorter on phones */
  .quote { min-height: 0; height: clamp(420px, 64svh, 520px); }
  .quote-inner { bottom: 24px; gap: 20px; }
  .quote-slide blockquote { margin-top: 14px; font-size: 1.5rem; line-height: 1.15; }
  .quote-slide figcaption { font-size: 0.9375rem; }

  /* Scroll motion: shorter distances and a quicker word stagger */
  .js [data-reveal="fade"] { transform: translateY(10px); }
  .js [data-reveal="rise"] { transform: translateY(24px); }
  .js [data-reveal="rise-far"] { transform: translateY(40px); }
  .js [data-reveal="grow"] { transform: translateY(16px); transition-duration: 0.9s; }
  .js [data-reveal="words"] .w { transition-delay: calc(var(--d, 0ms) * 0.6 + var(--i) * 22ms); transition-duration: 0.55s; }
  .js [data-reveal].is-in { transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .marquee-track, .chip-track { animation: none; }
  .card-olive *, .card-olive { animation: none !important; }
  .morph-panel, .morph-track, .morph-lbl > span { transition: none !important; }
  .cv-card { transition: none; opacity: 1; transform: none; }
  .ab-slide, .ab-slide-text { transition: none; }
  .contact-modal .cm-card, .contact-modal::backdrop { animation: none !important; }
  .morph-panel.is-ready .morph-links a, .morph-panel.is-ready .morph-foot a { animation: none !important; opacity: 1; }
  .ring.is-running .ring-svg circle { animation: none; }
}