/* ===========================================================================
   Employer Insurance Services — Design System v49
   Inspired by insuranceinc.com's clarity, dressed in your navy/gold brand.
   =========================================================================== */

:root {
  /* ---- Brand palette (Palette F: Ink + Sky Blue + Cool Off-White) ---- */
  --navy:        #131b2c;   /* primary brand — ink */
  --navy-mid:    #1c2638;   /* secondary */
  --navy-soft:   #243149;   /* hover/lighter */
  --green:       #4a90c2;   /* primary accent — sky blue */
  --green-light: #5fa3d4;   /* hover/lighter blue */
  --green-pale:  #e8f1f8;   /* very light blue */
  --cream:       #f5f7fa;   /* page background variant — cool, not warm */
  --paper:       #ffffff;   /* card / form background */
  --ink:         #1a1a1a;   /* body text */
  --ink-muted:   #5a6470;   /* secondary text */
  --line:        #dde4ed;   /* borders — cool */
  --line-soft:   #ebeff5;   /* light borders */
  --success:     #1e7c4a;
  --alert:       #b54344;

  /* Backwards-compat aliases so existing CSS rules still work */
  --gold:        var(--green);
  --gold-light:  var(--green-light);
  --gold-pale:   var(--green-pale);

  --radius:    10px;
  --radius-sm: 6px;
  --radius-lg: 16px;
  --shadow:    0 12px 32px rgba(9, 24, 45, 0.10);
  --shadow-lg: 0 24px 64px rgba(9, 24, 45, 0.14);
  --shadow-sm: 0 2px 8px rgba(9, 24, 45, 0.06);

  --font-serif: 'Playfair Display', 'Playfair Display Fallback', Georgia, serif;
  --font-sans:  'DM Sans', 'DM Sans Fallback', -apple-system, BlinkMacSystemFont, 'Segoe UI', Inter, sans-serif;
}

/* ===========================================================================
   Reset & base
   =========================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
svg { display: inline-block; vertical-align: middle; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  font-weight: 700;
  line-height: 1.18;
  color: var(--navy);
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.25rem, 4.5vw, 3.75rem); line-height: 1.05; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.125rem; }
p  { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: 0.4em; }

/* ===========================================================================
   Layout primitives
   =========================================================================== */
.container { width: min(1200px, calc(100% - 40px)); margin-inline: auto; }
.container-narrow { width: min(820px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 80px 0; }
.section-soft { background: var(--cream); }
.section-navy { background: var(--navy); color: var(--paper); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--paper); }
.section-tight { padding: 48px 0; }

.skip-link {
  position: absolute; left: 16px; top: -80px;
  background: var(--gold); color: var(--paper);
  padding: 12px 18px; z-index: 999; border-radius: var(--radius-sm);
  font-weight: 700; transition: top 0.18s ease;
}
.skip-link:focus { top: 12px; }

/* ===========================================================================
   Top strip + header + nav
   =========================================================================== */
.top-strip {
  background: var(--navy);
  color: var(--paper);
  font-size: 0.85rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.top-strip-inner {
  min-height: 38px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.top-strip a { color: var(--gold); font-weight: 600; }
.top-strip a:hover { color: var(--gold-light); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line-soft);
}
.header-inner {
  min-height: 78px;
  display: flex;
  align-items: center;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.brand-mark {
  width: 44px; height: 44px;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.brand-mark img, .brand-mark svg {
  width: 100%;
  height: 100%;
  display: block;
}
.brand-text strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.1;
}
.brand-text small {
  display: block;
  font-size: 0.7rem;
  color: var(--ink-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav-menu { position: relative; }
.nav-menu > summary, .nav-link {
  list-style: none;
  cursor: pointer;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  white-space: nowrap;
}
.nav-menu > summary::-webkit-details-marker { display: none; }
.nav-menu > summary::after {
  content: '';
  display: inline-block;
  width: 8px; height: 8px;
  margin-left: 6px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  vertical-align: middle;
  opacity: 0.6;
}
.nav-menu[open] > summary, .nav-menu > summary:hover, .nav-link:hover {
  background: var(--cream);
}
.nav-panel {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 8px;
  display: grid;
  gap: 2px;
  z-index: 100;
}
.nav-panel a {
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
}
.nav-panel a:hover { background: var(--gold-pale); }

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.menu-button {
  display: none;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--line);
  background: var(--paper);
  border-radius: var(--radius-sm);
  min-height: 44px;
  padding: 0 14px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
}
.menu-button svg { width: 20px; height: 20px; }

/* ===========================================================================
   Buttons
   =========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 22px;
  font-weight: 700;
  font-size: 0.95rem;
  line-height: 1;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: transform 0.12s ease, box-shadow 0.12s ease, background 0.12s ease, color 0.12s ease, border-color 0.12s ease;
  text-align: center;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-gold {
  background: var(--gold);
  color: var(--paper);
  box-shadow: 0 6px 16px rgba(74, 144, 194, 0.32);
}
.btn-gold:hover { background: var(--gold-light); box-shadow: 0 8px 22px rgba(74, 144, 194, 0.42); }
.btn-navy {
  background: var(--navy);
  color: var(--paper);
}
.btn-navy:hover { background: var(--navy-soft); }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}
.btn-ghost:hover { background: var(--cream); border-color: var(--gold); }
.btn-ghost-light {
  background: rgba(255, 255, 255, 0.08);
  color: var(--paper);
  border-color: rgba(255, 255, 255, 0.28);
}
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.14); border-color: var(--gold); }
.btn svg { width: 18px; height: 18px; }
.btn-large { min-height: 56px; padding: 0 28px; font-size: 1rem; }

/* ===========================================================================
   Hero
   =========================================================================== */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--paper);
  isolation: isolate;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(135deg, rgba(9, 24, 45, 0.96) 0%, rgba(9, 24, 45, 0.78) 50%, rgba(9, 24, 45, 0.55) 100%),
    radial-gradient(ellipse at top right, rgba(74, 144, 194, 0.18), transparent 60%);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 440px);
  gap: 48px;
  align-items: center;
  padding: 72px 0 88px;
}
.hero-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero h1 {
  color: var(--paper);
  margin-bottom: 18px;
}
.hero h1 em { color: var(--gold); font-style: italic; }
.hero-lede {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.86);
  max-width: 56ch;
  margin-bottom: 24px;
}
.hero-pills {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.hero-pills span {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  padding: 7px 14px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--paper);
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* "Page hero" — smaller hero used on inner pages, no form alongside */
.page-hero {
  background: var(--navy);
  color: var(--paper);
  padding: 56px 0 72px;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(120deg, rgba(9, 24, 45, 0.94) 0%, rgba(9, 24, 45, 0.74) 100%),
    radial-gradient(ellipse at top right, rgba(74, 144, 194, 0.16), transparent 60%);
}
.page-hero h1 { color: var(--paper); margin-bottom: 14px; }
.page-hero h1 em { color: var(--gold); font-style: italic; }
.page-hero .lede { font-size: 1.1rem; color: rgba(255, 255, 255, 0.84); max-width: 70ch; margin-bottom: 28px; }
.page-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 420px);
  gap: 40px;
  align-items: start;
}

/* ===========================================================================
   Breadcrumbs
   =========================================================================== */
.breadcrumbs {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.breadcrumbs a { color: var(--gold); }
.breadcrumbs a:hover { color: var(--gold-light); }
.breadcrumbs span { color: rgba(255, 255, 255, 0.6); }

/* ===========================================================================
   Quote form (compact — for hero placement)
   =========================================================================== */
.quote-form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 28px;
  color: var(--ink);
}
.quote-form-head {
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line-soft);
}
.quote-form-head .eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}
.quote-form-head h2 {
  font-size: 1.4rem;
  margin-bottom: 6px;
  color: var(--navy);
}
.quote-form-head p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--ink-muted);
}
.quote-form label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
}
.quote-form .field { margin-bottom: 14px; }
.quote-form input,
.quote-form select,
.quote-form textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  background: var(--paper);
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.quote-form input:focus,
.quote-form select:focus,
.quote-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(74, 144, 194, 0.22);
}
.quote-form button[type="submit"] {
  width: 100%;
  margin-top: 4px;
}
.quote-form-honeypot { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }
.form-note {
  margin: 14px 0 0;
  font-size: 0.78rem;
  color: var(--ink-muted);
  text-align: center;
}
.form-disclosure {
  font-size: 0.7rem;
  color: var(--ink-muted);
  line-height: 1.5;
  margin: 14px 0 0;
  padding: 12px 14px;
  background: var(--cream);
  border-radius: var(--radius-sm);
}

/* ===========================================================================
   Stats band (homepage trust strip)
   =========================================================================== */
.stats-band {
  background: var(--cream);
  border-block: 1px solid var(--line);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stats-grid > div {
  padding: 28px 20px;
  text-align: center;
  border-right: 1px solid var(--line);
}
.stats-grid > div:last-child { border-right: none; }
.stats-grid strong {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.stats-grid span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink-muted);
}

/* ===========================================================================
   Category tiles (homepage 4-card row)
   =========================================================================== */
.category-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-top: 36px;
}
.category-tile {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  position: relative;
  color: var(--navy);
}
.category-tile:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: var(--gold);
}
.category-tile-icon {
  width: 56px; height: 56px;
  margin: 0 auto 18px;
  display: grid; place-items: center;
  background: var(--cream);
  color: var(--gold);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.category-tile-icon svg { width: 28px; height: 28px; }
.category-tile h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
  color: var(--navy);
}
.category-tile p {
  font-size: 0.9rem;
  color: var(--ink-muted);
  margin: 0;
}

/* ===========================================================================
   Feature card grid (3-up, used for services on homepage etc.)
   =========================================================================== */
.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 48px;
}
.section-head .eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-head h2 { margin-bottom: 14px; }
.section-head p {
  font-size: 1.1rem;
  color: var(--ink-muted);
  margin: 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feature-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  color: var(--ink);
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--gold);
}
.feature-card-icon {
  width: 48px; height: 48px;
  display: grid; place-items: center;
  background: var(--cream);
  color: var(--gold);
  border-radius: var(--radius-sm);
  margin-bottom: 18px;
  border: 1px solid var(--line);
}
.feature-card-icon svg { width: 24px; height: 24px; }
.feature-card h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}
.feature-card p {
  color: var(--ink-muted);
  font-size: 0.92rem;
  flex: 1;
  margin-bottom: 16px;
}
.feature-card-link {
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.feature-card-link::after {
  content: '→';
  transition: transform 0.15s ease;
}
.feature-card:hover .feature-card-link::after { transform: translateX(4px); }

/* ===========================================================================
   Numbered "Why Choose Us" list
   =========================================================================== */
.numbered-list {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 20px;
  margin: 0;
  counter-reset: nlist;
}
.numbered-list li {
  position: relative;
  padding-left: 64px;
  margin-bottom: 0;
  counter-increment: nlist;
}
.numbered-list li::before {
  content: counter(nlist);
  position: absolute;
  left: 0; top: -2px;
  width: 44px; height: 44px;
  display: grid; place-items: center;
  background: var(--navy);
  color: var(--cream);
  border-radius: 50%;
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 700;
}
.numbered-list li strong {
  display: block;
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: 4px;
}
.numbered-list li p {
  margin: 0;
  color: var(--ink-muted);
  font-size: 0.94rem;
}

/* ===========================================================================
   Risk-graphic ("Click it. Read it. Cover it.") interactive widget
   =========================================================================== */
.risk-widget {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-top: 36px;
}
.risk-widget-head {
  text-align: center;
  margin-bottom: 28px;
}
.risk-widget-head h3 {
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.risk-widget-head p {
  margin: 0;
  color: var(--ink-muted);
  font-size: 0.95rem;
}
.risk-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
}
.risk-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.risk-item[open] {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  grid-column: 1 / -1;
}
.risk-item summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.95rem;
  transition: background 0.12s ease;
}
.risk-item summary::-webkit-details-marker { display: none; }
.risk-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gold);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.risk-item[open] summary::after { transform: rotate(45deg); }
.risk-item summary:hover { background: var(--gold-pale); }
.risk-body {
  padding: 0 22px 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.risk-body h4 {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.risk-body p {
  margin: 0;
  font-size: 0.93rem;
  color: var(--ink-muted);
  line-height: 1.6;
}

/* ===========================================================================
   "3-step process" sidebar (next to forms)
   =========================================================================== */
.steps-sidebar {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
}
.steps-sidebar h3 {
  font-size: 1.3rem;
  margin-bottom: 6px;
}
.steps-sidebar > p {
  margin: 0 0 22px;
  color: var(--ink-muted);
  font-size: 0.92rem;
}
.steps-sidebar ol {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: steps;
}
.steps-sidebar ol li {
  position: relative;
  padding-left: 44px;
  margin-bottom: 18px;
  counter-increment: steps;
  color: var(--ink);
  font-weight: 500;
}
.steps-sidebar ol li::before {
  content: counter(steps);
  position: absolute;
  left: 0; top: -2px;
  width: 30px; height: 30px;
  display: grid; place-items: center;
  background: var(--gold);
  color: var(--paper);
  border-radius: 50%;
  font-weight: 700;
  font-size: 0.9rem;
}

/* ===========================================================================
   Two-column form layout (page-bottom "Get a Quote" sections)
   =========================================================================== */
.form-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 480px);
  gap: 48px;
  align-items: start;
}
.form-layout .quote-form { margin: 0; }
.contact-list {
  display: grid;
  gap: 14px;
  margin-top: 24px;
}
.contact-list a, .contact-list span {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--navy);
  font-weight: 500;
}
.contact-list svg {
  width: 20px; height: 20px;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-list a:hover { color: var(--gold); }

/* ===========================================================================
   Testimonials
   =========================================================================== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.testimonial {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
}
.testimonial-stars {
  color: var(--gold);
  margin-bottom: 14px;
  display: flex;
  gap: 2px;
}
.testimonial-stars svg { width: 18px; height: 18px; fill: currentColor; }
.testimonial blockquote {
  margin: 0 0 18px;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.5;
  flex: 1;
}
.testimonial-attr {
  font-size: 0.85rem;
  color: var(--ink-muted);
  font-weight: 600;
}

/* ===========================================================================
   CTA band (full-width navy strip before footer)
   =========================================================================== */
.cta-band {
  background: var(--navy);
  color: var(--paper);
  padding: 64px 0;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(ellipse at right, rgba(74, 144, 194, 0.18), transparent 60%);
}
.cta-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 32px;
  align-items: center;
}
.cta-inner .eyebrow {
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: inline-block;
  margin-bottom: 10px;
}
.cta-inner h2 { color: var(--paper); margin-bottom: 8px; }
.cta-inner p { color: rgba(255, 255, 255, 0.84); margin: 0; max-width: 60ch; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===========================================================================
   Two-column split (used on industry pages for "How it works" type sections)
   =========================================================================== */
.split-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.checklist {
  list-style: none;
  padding: 0;
  margin: 16px 0 0;
  display: grid;
  gap: 12px;
}
.checklist li {
  position: relative;
  padding-left: 32px;
  font-size: 0.96rem;
  margin-bottom: 0;
}
.checklist li::before {
  content: '';
  position: absolute;
  left: 0; top: 4px;
  width: 22px; height: 22px;
  background: var(--gold-pale);
  border-radius: 50%;
}
.checklist li::after {
  content: '';
  position: absolute;
  left: 6px; top: 11px;
  width: 10px; height: 5px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

/* ===========================================================================
   FAQ accordion
   =========================================================================== */
.faq-list {
  display: grid;
  gap: 14px;
  max-width: 800px;
  margin: 0 auto;
}
.faq-list details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.15s ease;
}
.faq-list details[open] { border-color: var(--gold); }
.faq-list summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 22px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--gold);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list details > div, .faq-list details > p {
  padding: 0 22px 22px;
  margin: 0;
  color: var(--ink-muted);
  line-height: 1.6;
}

/* ===========================================================================
   "Also serving" pill row
   =========================================================================== */
.also-serving {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 36px 0;
}
.also-serving-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.also-serving-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-muted);
}
.also-serving-pills {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.serv-pill {
  background: var(--paper);
  border: 1px solid var(--gold);
  color: var(--navy);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
  transition: background 0.12s ease;
}
.serv-pill:hover { background: var(--gold-pale); }
.serv-pill-cta {
  background: var(--navy);
  color: var(--paper);
  border-color: var(--navy);
}
.serv-pill-cta:hover { background: var(--navy-soft); }

/* ===========================================================================
   Footer
   =========================================================================== */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 64px 0 24px;
  border-top: 1px solid var(--line-soft);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand strong { color: var(--paper); }
.footer-brand small { color: rgba(255, 255, 255, 0.6); }
.footer-grid > div h3 {
  color: var(--paper);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-grid > div a {
  display: block;
  padding: 6px 0;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.78);
}
.footer-grid > div a:hover { color: var(--gold); }
.footer-meta {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
  flex-wrap: wrap;
}
.footer-meta a { color: rgba(255, 255, 255, 0.7); }
.footer-meta a:hover { color: var(--gold); }

/* ===========================================================================
   Sticky mobile CTA bar (v40 pattern, preserved)
   =========================================================================== */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  border-top: 1px solid var(--gold);
  padding: 8px 12px;
  z-index: 80;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.18);
  gap: 8px;
}
.mobile-cta-bar a {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 700;
}
.mcb-call { background: rgba(255, 255, 255, 0.12); color: var(--paper); border: 1px solid rgba(255, 255, 255, 0.2); }
.mcb-quote { background: var(--gold); color: var(--paper); }
.mobile-cta-bar svg { width: 16px; height: 16px; }

/* ===========================================================================
   Article (learning-center / privacy-policy long-form text)
   =========================================================================== */
.article-body {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--ink);
}
.article-body h2 { font-size: 1.5rem; margin-top: 2em; }
.article-body h3 { font-size: 1.2rem; margin-top: 1.6em; }
.article-body ul, .article-body ol { padding-left: 1.4em; }
.article-body li { margin-bottom: 0.5em; }
.article-body a { color: var(--gold); border-bottom: 1px solid currentColor; }

/* ===========================================================================
   Responsive — collapses cleanly at the right breakpoints
   =========================================================================== */
@media (max-width: 1024px) {
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .category-grid { grid-template-columns: repeat(2, 1fr); }
  .feature-grid, .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid > div:nth-child(2) { border-right: none; }
  .stats-grid > div:nth-child(1), .stats-grid > div:nth-child(2) { border-bottom: 1px solid var(--line); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .form-layout, .split-grid { grid-template-columns: 1fr; gap: 32px; }
  .cta-inner { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  body { padding-bottom: 72px; } /* clearance for mobile sticky bar */
  .top-strip { display: none; }
  .site-nav { display: none; }
  .site-nav.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 12px;
    gap: 4px;
    box-shadow: var(--shadow);
  }
  .site-nav.is-open .nav-menu, .site-nav.is-open .nav-link { width: 100%; }
  .site-nav.is-open .nav-panel { position: static; box-shadow: none; border: none; padding: 0 0 0 12px; }
  .menu-button { display: inline-flex; }
  .header-actions .btn-ghost, .header-actions .icon-call { display: none; }
  .section { padding: 56px 0; }
  .hero-grid { padding: 48px 0 56px; }
  .page-hero { padding: 40px 0 56px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .category-grid, .feature-grid, .testimonials-grid, .stats-grid { grid-template-columns: 1fr; }
  .stats-grid > div { border-right: none; border-bottom: 1px solid var(--line); }
  .stats-grid > div:last-child { border-bottom: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .mobile-cta-bar { display: flex; }
  .risk-widget { padding: 22px; }
  .risk-body { grid-template-columns: 1fr; gap: 18px; }
  .numbered-list li { padding-left: 56px; }
  .numbered-list li::before { width: 38px; height: 38px; font-size: 1rem; }
  .form-layout { gap: 28px; }
  .cta-actions .btn { width: 100%; }
}