/* ==========================================================================
   Life Protector — site styles
   Palette: brand green (#00833c), deep forest green, mint accent, white
   (matches the original Life Protector logo & colour scheme)
   ========================================================================== */

:root {
  --navy: #06371d;          /* deep forest green — dark sections & headings */
  --navy-2: #0a4a29;
  --navy-soft: #0e6234;
  --brass: #00833c;         /* brand green — primary accent on light */
  --brass-light: #6fcf97;   /* mint — accent on dark backgrounds */
  --paper: #f6f7f4;
  --paper-2: #e7efe9;
  --ink: #16201a;
  --muted: #59655d;
  --line: #dfe6e0;
  --white: #ffffff;
  --ok: #00833c;
  --err: #b3402f;

  --maxw: 1180px;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 18px 50px -28px rgba(11, 31, 58, 0.45);
  --shadow-sm: 0 8px 24px -16px rgba(11, 31, 58, 0.4);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);

  --serif: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* --- reset --------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
ul { list-style: none; padding: 0; }

/* --- typography --------------------------------------------------------- */
h1, h2, h3, h4 { font-family: var(--sans); font-weight: 700; line-height: 1.15; color: var(--navy); letter-spacing: -0.02em; }
h1 { font-size: clamp(1.9rem, 4vw, 2.9rem); }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); }
h3 { font-size: clamp(1.05rem, 1.6vw, 1.25rem); }
.lede { font-size: clamp(0.97rem, 1.4vw, 1.1rem); color: var(--muted); line-height: 1.65; }

/* --- layout helpers ----------------------------------------------------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: clamp(20px, 5vw, 40px); }
.section { padding-block: clamp(48px, 6vw, 80px); }
.section--tight { padding-block: clamp(32px, 4vw, 56px); }
.center { text-align: center; }
.measure { max-width: 720px; }
.measure.center { margin-inline: auto; }
.stack > * + * { margin-top: 1rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--sans); font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--brass);
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--brass); display: inline-block; }
.center .eyebrow::before { display: none; }

/* --- buttons ------------------------------------------------------------ */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 600; font-size: 0.97rem; letter-spacing: 0.01em;
  padding: 14px 26px; border-radius: 999px;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease), box-shadow 0.25s var(--ease), color 0.25s var(--ease);
  white-space: nowrap;
}
.btn svg { width: 17px; height: 17px; transition: transform 0.25s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn--primary { background: var(--brass); color: #ffffff; }
.btn--primary:hover { background: #006e34; transform: translateY(-2px); box-shadow: 0 14px 28px -14px rgba(0, 131, 60, 0.55); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-2); transform: translateY(-2px); }
.btn--ghost { border: 1.5px solid rgba(255,255,255,0.4); color: var(--white); }
.btn--ghost:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn--ghost-dark { border: 1.5px solid var(--line); color: var(--navy); }
.btn--ghost-dark:hover { border-color: var(--navy); background: var(--white); }
.btn--lg { padding: 17px 34px; font-size: 1.02rem; }

/* --- header / nav ------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(246, 247, 244, 0.85);
  backdrop-filter: saturate(150%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s var(--ease), background 0.3s var(--ease);
}
.site-header.is-stuck { border-bottom-color: var(--line); background: rgba(246, 247, 244, 0.94); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand__mark {
  width: 38px; height: 38px; border-radius: 9px; flex: none;
  background: var(--navy); color: var(--brass-light);
  display: grid; place-items: center; font-family: var(--serif); font-size: 1.25rem; font-weight: 600;
  box-shadow: inset 0 0 0 1px rgba(216,183,101,0.35);
}
.brand__name { font-family: var(--serif); font-size: 1.18rem; font-weight: 600; color: var(--navy); line-height: 1; }
.brand__name span { display: block; font-family: var(--sans); font-size: 0.62rem; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--brass); margin-top: 5px; }
.nav__links { display: flex; align-items: center; gap: 4px; }
.nav__links a {
  font-size: 0.95rem; font-weight: 500; color: var(--navy); padding: 9px 15px; border-radius: 8px;
  transition: background 0.2s var(--ease), color 0.2s var(--ease);
}
.nav__links a:hover { background: rgba(6,55,29,0.07); }
.nav__links a.active { color: var(--brass); }
.nav__actions { display: flex; align-items: center; gap: 14px; }
.nav__toggle { display: none; width: 44px; height: 44px; border-radius: 9px; color: var(--navy); }
.nav__toggle svg { width: 26px; height: 26px; margin-inline: auto; }

/* --- hero --------------------------------------------------------------- */
.hero { position: relative; background: var(--navy); color: var(--white); overflow: hidden; }
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(1100px 520px at 78% -8%, rgba(0,131,60,0.28), transparent 60%),
    radial-gradient(900px 600px at 6% 110%, rgba(10,74,41,0.85), transparent 55%);
}
.hero__inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; padding-block: clamp(48px, 7vw, 80px); }
.hero h1 { color: var(--white); }
.hero h1 em { font-style: italic; color: var(--brass-light); }
.hero .lede { color: rgba(247,245,241,0.78); margin-top: 22px; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 22px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 22px 34px; margin-top: 28px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.14); }
.hero__trust div { font-size: 0.88rem; color: rgba(247,245,241,0.7); }
.hero__trust strong { display: block; font-family: var(--serif); font-size: 1.6rem; color: var(--white); font-weight: 500; margin-bottom: 2px; }

/* hero card */
.hero__card {
  background: linear-gradient(165deg, rgba(255,255,255,0.07), rgba(255,255,255,0.02));
  border: 1px solid rgba(255,255,255,0.16); border-radius: 18px; padding: 32px;
  backdrop-filter: blur(6px);
}
.hero__card h3 { color: var(--white); font-size: 1.2rem; }
.hero__card .tag { display: inline-block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #06371d; background: var(--brass-light); padding: 5px 11px; border-radius: 6px; margin-bottom: 16px; }
.hero__card ul { margin-top: 18px; }
.hero__card li { display: flex; gap: 12px; padding: 11px 0; border-top: 1px solid rgba(255,255,255,0.1); color: rgba(247,245,241,0.85); font-size: 0.96rem; }
.hero__card li:first-child { border-top: none; }
.hero__card li svg { width: 19px; height: 19px; color: var(--brass-light); flex: none; margin-top: 2px; }

/* --- pagehead (interior pages) ----------------------------------------- */
.pagehead { background: var(--navy); color: var(--white); position: relative; overflow: hidden; }
.pagehead::after { content: ""; position: absolute; inset: 0; background: radial-gradient(900px 420px at 85% -20%, rgba(0,131,60,0.26), transparent 60%); }
.pagehead__inner { position: relative; z-index: 1; padding-block: clamp(60px, 8vw, 96px); max-width: 760px; }
.pagehead h1 { color: var(--white); }
.pagehead .lede { color: rgba(247,245,241,0.78); margin-top: 18px; }
.crumbs { font-size: 0.85rem; color: rgba(247,245,241,0.6); margin-bottom: 20px; }
.crumbs a:hover { color: var(--brass-light); }

/* --- generic cards ------------------------------------------------------ */
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 24px; transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #d6d2c8; }
.card__icon {
  width: 50px; height: 50px; border-radius: 12px; display: grid; place-items: center;
  background: var(--paper-2); color: var(--navy); margin-bottom: 20px;
}
.card__icon svg { width: 25px; height: 25px; }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.98rem; }
.card__link { display: inline-flex; align-items: center; gap: 7px; margin-top: 18px; font-weight: 600; font-size: 0.92rem; color: var(--navy); }
.card__link svg { width: 15px; height: 15px; transition: transform 0.25s var(--ease); }
.card:hover .card__link svg { transform: translateX(4px); }
.card__link { color: var(--brass); }

/* category cards (homepage) */
.catcard { position: relative; overflow: hidden; }
.catcard--feature { grid-column: span 2; background: var(--navy); color: var(--white); border-color: var(--navy-2); }
.catcard--feature h3, .catcard--feature .card__icon { color: var(--white); }
.catcard--feature .card__icon { background: rgba(255,255,255,0.1); color: var(--brass-light); }
.catcard--feature p { color: rgba(247,245,241,0.8); }
.catcard--feature .card__link { color: var(--brass-light); }
.catcard--feature .pill { position: absolute; top: 26px; right: 26px; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: #06371d; background: var(--brass-light); padding: 5px 11px; border-radius: 6px; }

/* --- highlight band (no-cost insurance) -------------------------------- */
.band { background: var(--paper-2); border-block: 1px solid var(--line); }
.band__inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.band__points { display: grid; gap: 14px; margin-top: 26px; }
.band__points li { display: flex; gap: 14px; align-items: flex-start; }
.band__points svg { width: 22px; height: 22px; color: var(--brass); flex: none; margin-top: 3px; }
.band__points strong { display: block; color: var(--navy); }
.band__points span { color: var(--muted); font-size: 0.96rem; }
.figurebox { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow-sm); }
.figurebox .big { font-family: var(--serif); font-size: clamp(3rem, 7vw, 4.6rem); color: var(--navy); line-height: 1; }
.figurebox .big span { color: var(--brass); }

/* --- process steps ------------------------------------------------------ */
.steps { counter-reset: step; display: grid; gap: 22px; }
.steps--row { grid-template-columns: repeat(4, 1fr); }
.step { position: relative; padding-top: 18px; }
.step::before {
  counter-increment: step; content: counter(step, decimal-leading-zero);
  font-family: var(--serif); font-size: 1.05rem; color: var(--brass); font-weight: 600;
  display: block; margin-bottom: 12px;
}
.step::after { content: ""; position: absolute; top: 0; left: 0; width: 44px; height: 2px; background: var(--brass); }
.step h3 { font-size: 1.15rem; margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 0.95rem; }

/* --- service detail sections ------------------------------------------- */
.svc { scroll-margin-top: 96px; }
.svc__head { display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: start; margin-bottom: 36px; }
.svc__badge { width: 58px; height: 58px; border-radius: 14px; background: var(--navy); color: var(--brass-light); display: grid; place-items: center; flex: none; }
.svc__badge svg { width: 28px; height: 28px; }
.svc__num { font-family: var(--serif); color: var(--brass); font-size: 0.95rem; letter-spacing: 0.04em; }
.svc__list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.svc__item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 22px 24px; transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease); }
.svc__item:hover { border-color: #d3cfc4; box-shadow: var(--shadow-sm); }
.svc__item h4 { font-family: var(--serif); font-size: 1.12rem; color: var(--navy); margin-bottom: 7px; }
.svc__item p { color: var(--muted); font-size: 0.94rem; }
.svc-divider { height: 1px; background: var(--line); margin-block: clamp(48px, 7vw, 80px); }

/* --- about / split ------------------------------------------------------ */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.adviser { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-sm); }
.adviser__top { display: flex; gap: 18px; align-items: center; margin-bottom: 22px; }
.adviser__avatar { width: 68px; height: 68px; border-radius: 50%; background: var(--navy); color: var(--brass-light); display: grid; place-items: center; font-family: var(--serif); font-size: 1.6rem; flex: none; }
.adviser__name { font-family: var(--serif); font-size: 1.3rem; color: var(--navy); }
.adviser__role { color: var(--brass); font-size: 0.9rem; font-weight: 600; }
.adviser__quals { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.adviser__quals span { font-size: 0.82rem; color: var(--navy); background: var(--paper-2); border: 1px solid var(--line); padding: 6px 12px; border-radius: 999px; }

.statline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.statline div { border-left: 2px solid var(--brass); padding-left: 18px; }
.statline strong { display: block; font-family: var(--serif); font-size: clamp(1.8rem,3.5vw,2.5rem); color: var(--navy); }
.statline span { color: var(--muted); font-size: 0.92rem; }

/* --- cta band ----------------------------------------------------------- */
.cta { background: var(--navy); color: var(--white); position: relative; overflow: hidden; }
.cta::after { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 360px at 80% 120%, rgba(0,131,60,0.3), transparent 60%); }
.cta__inner { position: relative; z-index: 1; text-align: center; max-width: 680px; margin-inline: auto; }
.cta h2 { color: var(--white); }
.cta p { color: rgba(247,245,241,0.78); margin-top: 14px; }
.cta__btns { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 30px; }

/* --- forms (shared) ----------------------------------------------------- */
.field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 18px; }
.field > label { font-size: 0.9rem; font-weight: 600; color: var(--navy); }
.field .hint { font-size: 0.82rem; color: var(--muted); font-weight: 400; }
.req { color: var(--err); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=date],
select, textarea {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line); border-radius: 10px;
  padding: 13px 15px; transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
textarea { resize: vertical; min-height: 120px; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 3px rgba(0,131,60,0.2); }
input.invalid, select.invalid, textarea.invalid { border-color: var(--err); box-shadow: 0 0 0 3px rgba(179,64,47,0.14); }
.field__err { font-size: 0.82rem; color: var(--err); display: none; }
.field__err.show { display: block; }
.grid-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 22px; }
.grid-fields--3 { grid-template-columns: repeat(3, 1fr); }
.span-2 { grid-column: 1 / -1; }

/* radio / checkbox groups */
.choices { display: flex; flex-wrap: wrap; gap: 10px; }
.choice {
  position: relative; display: inline-flex; align-items: center; gap: 9px;
  border: 1.5px solid var(--line); border-radius: 10px; padding: 11px 16px; background: var(--white);
  font-size: 0.95rem; cursor: pointer; transition: border-color 0.2s var(--ease), background 0.2s var(--ease);
}
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.choice .dot { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--line); flex: none; transition: border-color 0.2s var(--ease); position: relative; }
.choice.cb .dot { border-radius: 6px; }
.choice:has(input:checked) { border-color: var(--brass); background: #ecf6ef; }
.choice:has(input:checked) .dot { border-color: var(--brass); }
.choice:has(input:checked) .dot::after { content: ""; position: absolute; inset: 3px; border-radius: inherit; background: var(--brass); }

/* --- fact-find wizard --------------------------------------------------- */
.ff { display: grid; grid-template-columns: 270px 1fr; gap: 40px; align-items: start; }
.ff__rail { position: sticky; top: 96px; }
.ff__progress { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm); }
.ff__progress h4 { font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
.ff__steps li { display: flex; gap: 13px; align-items: center; padding: 9px 0; color: var(--muted); font-size: 0.92rem; transition: color 0.2s var(--ease); }
.ff__steps .bullet { width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; font-size: 0.78rem; font-weight: 600; flex: none; background: var(--white); transition: all 0.2s var(--ease); }
.ff__steps li.active { color: var(--navy); font-weight: 600; }
.ff__steps li.active .bullet { background: var(--navy); color: var(--white); border-color: var(--navy); }
.ff__steps li.done .bullet { background: var(--ok); border-color: var(--ok); color: var(--white); }
.ff__steps li.done .bullet svg { width: 14px; height: 14px; }
.ff__save { font-size: 0.82rem; color: var(--muted); margin-top: 16px; display: flex; align-items: center; gap: 7px; }
.ff__save svg { width: 14px; height: 14px; color: var(--ok); }

.ff__panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(26px, 4vw, 44px); box-shadow: var(--shadow-sm); }
.ff__bar { height: 5px; background: var(--paper-2); border-radius: 999px; overflow: hidden; margin-bottom: 30px; }
.ff__bar i { display: block; height: 100%; background: linear-gradient(90deg, var(--brass), var(--brass-light)); border-radius: 999px; transition: width 0.45s var(--ease); width: 0; }
.ff__stepwrap { display: none; }
.ff__stepwrap.active { display: block; animation: fade 0.4s var(--ease); }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.ff__steptitle { font-size: 0.8rem; letter-spacing: 0.04em; color: var(--brass); font-weight: 600; margin-bottom: 6px; }
.ff__panel h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 6px; }
.ff__panel .ff__intro { color: var(--muted); margin-bottom: 28px; font-size: 0.98rem; }
.ff__fieldset { margin-bottom: 26px; }
.ff__fieldset > legend { font-family: var(--serif); font-size: 1.15rem; color: var(--navy); margin-bottom: 16px; padding: 0; width: 100%; border-bottom: 1px solid var(--line); padding-bottom: 10px; }
.ff__nav { display: flex; justify-content: space-between; align-items: center; gap: 14px; margin-top: 22px; padding-top: 26px; border-top: 1px solid var(--line); }
.ff__nav .spacer { flex: 1; }
.repeat-add { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 0.9rem; color: var(--brass); border: 1.5px dashed var(--line); border-radius: 10px; padding: 11px 16px; transition: border-color 0.2s var(--ease); }
.repeat-add:hover { border-color: var(--brass); }
.repeat-add svg { width: 16px; height: 16px; }
.repeat-item { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 20px 22px 4px; margin-bottom: 16px; position: relative; background: var(--paper); }
.repeat-item .remove { position: absolute; top: 14px; right: 14px; font-size: 0.82rem; color: var(--err); font-weight: 600; }
.repeat-item h5 { font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; }

.notice { display: flex; gap: 13px; background: #ecf6ef; border: 1px solid #c5e6d2; border-radius: 10px; padding: 16px 18px; font-size: 0.92rem; color: #1e4631; }
.notice svg { width: 20px; height: 20px; color: var(--brass); flex: none; }

/* review step */
.review-block { border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 14px; overflow: hidden; }
.review-block h4 { background: var(--paper); padding: 13px 18px; font-family: var(--sans); font-size: 0.92rem; display: flex; justify-content: space-between; align-items: center; }
.review-block h4 a { font-size: 0.82rem; color: var(--brass); font-weight: 600; }
.review-block dl { padding: 8px 18px 16px; display: grid; grid-template-columns: 1fr 1.4fr; gap: 4px 16px; font-size: 0.92rem; }
.review-block dt { color: var(--muted); }
.review-block dd { color: var(--ink); }

.ff__done { text-align: center; padding: clamp(30px, 6vw, 70px) 20px; }
.ff__done .tick { width: 76px; height: 76px; border-radius: 50%; background: #e8f3ec; color: var(--ok); display: grid; place-items: center; margin: 0 auto 24px; }
.ff__done .tick svg { width: 38px; height: 38px; }

/* --- contact ------------------------------------------------------------ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: start; }
.contact-info li { display: flex; gap: 16px; padding: 18px 0; border-top: 1px solid var(--line); }
.contact-info li:first-child { border-top: none; padding-top: 0; }
.contact-info .ci-icon { width: 44px; height: 44px; border-radius: 11px; background: var(--paper-2); color: var(--navy); display: grid; place-items: center; flex: none; }
.contact-info .ci-icon svg { width: 21px; height: 21px; }
.contact-info strong { display: block; color: var(--navy); font-family: var(--serif); font-size: 1.05rem; margin-bottom: 3px; }
.contact-info a, .contact-info span { color: var(--muted); }
.contact-info a:hover { color: var(--brass); }
.formcard { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(24px, 4vw, 40px); box-shadow: var(--shadow-sm); }

/* --- form status banners ------------------------------------------------ */
.formstatus { display: none; padding: 14px 18px; border-radius: 10px; font-size: 0.95rem; margin-bottom: 18px; }
.formstatus.show { display: block; }
.formstatus.ok { background: #e8f3ec; color: #1f5c3a; border: 1px solid #bfe0cb; }
.formstatus.err { background: #fceae7; color: #8c2f22; border: 1px solid #f0c5bc; }
.formstatus.send { background: var(--paper-2); color: var(--navy); border: 1px solid var(--line); }

/* --- footer ------------------------------------------------------------- */
.site-footer { background: var(--navy); color: rgba(247,245,241,0.7); padding-block: 60px 30px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; }
.site-footer .brand__name { color: var(--white); }
.site-footer p { font-size: 0.92rem; margin-top: 16px; max-width: 320px; }
.footer-col h5 { font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--brass-light); margin-bottom: 16px; }
.footer-col a, .footer-col li { display: block; font-size: 0.93rem; padding: 5px 0; color: rgba(247,245,241,0.7); transition: color 0.2s var(--ease); }
.footer-col a:hover { color: var(--white); }
.footer-bottom { margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.12); display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; font-size: 0.82rem; color: rgba(247,245,241,0.55); }
.disclaimer { background: #081729; color: rgba(247,245,241,0.5); font-size: 0.8rem; line-height: 1.6; padding-block: 22px; }
.disclaimer .wrap { max-width: var(--maxw); }

/* --- medical disclosure checklist --------------------------------------- */
.med-head, .med-row {
  display: grid; grid-template-columns: 1fr 120px 120px; gap: 14px; align-items: center;
}
.med-head { padding: 0 4px 10px; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); border-bottom: 1px solid var(--line); }
.med-head .col { text-align: center; }
.med-row { padding: 12px 4px; border-bottom: 1px solid var(--line); }
.med-row:last-child { border-bottom: none; }
.med-q { font-size: 0.94rem; color: var(--ink); }
.med-ans { display: flex; gap: 6px; justify-content: center; }
.med-ans .mini {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  border: 1.5px solid var(--line); border-radius: 8px; padding: 7px 12px; font-size: 0.82rem; font-weight: 600;
  color: var(--muted); cursor: pointer; min-width: 46px; transition: all 0.18s var(--ease);
}
.med-ans .mini input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.med-ans .mini:has(input:checked) { border-color: var(--brass); background: #ecf6ef; color: var(--navy); }
.med-ans.partner-col[hidden] { display: none; }
.med-note { margin-top: 6px; }
@media (max-width: 640px) {
  .med-head, .med-row { grid-template-columns: 1fr; gap: 8px; }
  .med-head { display: none; }
  .med-row { padding: 14px 0; }
  .med-ans { justify-content: flex-start; }
  .med-ans::before { content: attr(data-who); font-size: 0.8rem; color: var(--muted); margin-right: 8px; align-self: center; }
}

/* --- portal hub --------------------------------------------------------- */
.portal-card {
  display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 34px; transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.portal-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #d6d2c8; }
.portal-card.is-feature { background: var(--navy); color: #fff; border-color: var(--navy-2); }
.portal-card.is-feature h3, .portal-card.is-feature .portal-icon { color: #fff; }
.portal-card.is-feature p { color: rgba(247,245,241,0.8); }
.portal-card.is-feature .portal-icon { background: rgba(255,255,255,0.1); color: var(--brass-light); }
.portal-card.is-feature .portal-meta li { color: rgba(247,245,241,0.85); border-color: rgba(255,255,255,0.14); }
.portal-icon { width: 54px; height: 54px; border-radius: 13px; background: var(--paper-2); color: var(--navy); display: grid; place-items: center; margin-bottom: 20px; }
.portal-icon svg { width: 27px; height: 27px; }
.portal-tag { display: inline-block; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: #06371d; background: var(--brass-light); padding: 5px 11px; border-radius: 6px; margin-bottom: 16px; align-self: flex-start; }
.portal-meta { margin: 18px 0 24px; }
.portal-meta li { display: flex; gap: 10px; align-items: center; padding: 9px 0; border-top: 1px solid var(--line); font-size: 0.92rem; }
.portal-meta li svg { width: 17px; height: 17px; color: var(--brass); flex: none; }
.portal-card .btn { margin-top: auto; align-self: flex-start; }

/* --- single-form sections (SMSF) --------------------------------------- */
.formsection { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 36px; box-shadow: var(--shadow-sm); margin-bottom: 24px; scroll-margin-top: 96px; overflow: hidden; }
.formsection > .legend { font-family: var(--serif); font-size: 1.3rem; color: var(--navy); display: block; margin: -28px -36px 24px; padding: 20px 36px; border-bottom: 1px solid var(--line); background: var(--paper); }
.formsection > .sub { color: var(--muted); font-size: 0.95rem; margin-bottom: 22px; }
.formsection > .sub { color: var(--muted); font-size: 0.95rem; margin-bottom: 22px; }

/* --- reveal on scroll --------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* --- responsive --------------------------------------------------------- */
@media (max-width: 960px) {
  .hero__inner, .band__inner, .split, .contact-grid, .ff { grid-template-columns: 1fr; }
  .ff__rail { position: static; }
  .ff__progress { display: none; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .steps--row { grid-template-columns: repeat(2, 1fr); }
  .catcard--feature { grid-column: span 2; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero__card { order: -1; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .nav__links { display: none; }
  .nav__toggle { display: grid; place-items: center; }
  .site-header.open .nav__links {
    display: flex; flex-direction: column; align-items: stretch; gap: 2px;
    position: absolute; top: 76px; left: 0; right: 0; background: var(--paper);
    border-bottom: 1px solid var(--line); padding: 14px clamp(20px,5vw,40px) 22px; box-shadow: var(--shadow);
  }
  .site-header.open .nav__links a { padding: 13px 12px; }
  .grid--2, .grid--3, .grid--4, .steps--row, .svc__list, .grid-fields, .grid-fields--3, .statline, .footer-grid { grid-template-columns: 1fr; }
  .catcard--feature { grid-column: span 1; }
  .nav__actions .btn { display: none; }
  .hero__trust { gap: 18px 26px; }
}

/* --- brand logo (original Life Protector logo) --------------------------- */
.brand__logo { height: 50px; width: auto; display: block; }
.site-footer .brand__mark { display: none; }
.site-footer .brand { gap: 0; }
/* eyebrow & accents need a lighter green on dark sections */
.hero .eyebrow, .pagehead .eyebrow, .cta .eyebrow { color: var(--brass-light); }
.hero .eyebrow::before, .pagehead .eyebrow::before, .cta .eyebrow::before { background: var(--brass-light); }
@media (max-width: 640px) { .brand__logo { height: 42px; } }

/* --- insurer ticker ----------------------------------------------------- */
/* White background + mix-blend-mode:multiply = white areas of logos vanish,
   dark logo marks stay. Works for logos with any background colour.         */
.ticker { background: #ffffff; border-block: 1px solid var(--line); padding-block: 24px; overflow: hidden; position: relative; }
.ticker__label { text-align: center; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
.ticker__wrap { position: relative; overflow: hidden; }
.ticker__wrap::before, .ticker__wrap::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 100px; z-index: 2; pointer-events: none;
}
.ticker__wrap::before { left: 0; background: linear-gradient(to right, #fff, transparent); }
.ticker__wrap::after  { right: 0; background: linear-gradient(to left,  #fff, transparent); }
.ticker__track { display: flex; width: max-content; animation: ticker 34s linear infinite; }
.ticker__set { display: flex; align-items: center; gap: 60px; padding-inline: 30px; }
.ticker__set img {
  height: 32px; width: auto; object-fit: contain; flex: none; display: block;
  mix-blend-mode: multiply;
  filter: opacity(0.85);
  transition: filter 0.3s ease, transform 0.3s ease;
}
.ticker__set img:hover { filter: opacity(1); transform: scale(1.08); }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ==========================================================================
   Homepage v2 — full redesign
   ========================================================================== */

/* --- hero v2 ------------------------------------------------------------- */
.hero2 { background: var(--navy); color: #fff; position: relative; overflow: hidden; min-height: 92vh; display: flex; align-items: center; }
.hero2::after { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(900px 600px at 100% 50%, rgba(0,131,60,0.22), transparent 60%), radial-gradient(700px 500px at -10% 80%, rgba(10,74,41,0.7), transparent 55%); }
.hero2__inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center; padding-block: clamp(64px,9vw,100px); }
.hero2 h1 { color: #fff; font-size: clamp(2.4rem,5vw,3.8rem); line-height: 1.08; }
.hero2__sub { color: rgba(255,255,255,0.72); font-size: clamp(1rem,1.5vw,1.18rem); line-height: 1.65; margin-top: 20px; max-width: 520px; }
.hero2__checks { display: flex; flex-direction: column; gap: 10px; margin-top: 28px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.12); }

/* Emil portrait in hero */
.hero2__portrait-wrap { position: relative; display: flex; flex-direction: column; align-items: center; }
.hero2__portrait { width: 100%; max-width: 420px; border-radius: 24px; object-fit: cover; object-position: top; aspect-ratio: 3/4; box-shadow: 0 40px 80px -20px rgba(0,0,0,0.5); border: 3px solid rgba(111,207,151,0.25); }
.hero2__portrait-card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.18); backdrop-filter: blur(12px); border-radius: 14px; padding: 16px 22px; position: absolute; bottom: 28px; left: -20px; right: auto; min-width: 220px; }
.hero2__portrait-card strong { display: block; color: #fff; font-size: 1.05rem; }
.hero2__portrait-card span { display: block; color: rgba(255,255,255,0.65); font-size: 0.82rem; margin-top: 2px; }
.hero2__portrait-card-afsl { font-size: 0.72rem !important; color: var(--brass-light) !important; margin-top: 6px !important; font-weight: 600; letter-spacing: 0.04em; }
.hero2__zero-badge { position: absolute; top: 24px; right: -16px; background: var(--brass); color: #fff; font-size: 0.82rem; font-weight: 800; letter-spacing: 0.06em; padding: 8px 16px; border-radius: 999px; box-shadow: 0 8px 24px rgba(0,131,60,0.4); white-space: nowrap; }

/* --- numbers strip ------------------------------------------------------- */
.numbers-strip { background: var(--brass); color: #fff; padding-block: 28px; }
.numbers-strip__inner { display: flex; align-items: center; justify-content: center; gap: 0; flex-wrap: wrap; }
.ns-stat { display: flex; flex-direction: column; align-items: center; padding: 0 clamp(24px,4vw,56px); }
.ns-num { font-size: clamp(2rem,4vw,3rem); font-weight: 900; line-height: 1; letter-spacing: -0.04em; }
.ns-num small { font-size: 0.5em; font-weight: 700; }
.ns-label { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; opacity: 0.82; margin-top: 4px; }
.ns-divider { width: 1px; height: 48px; background: rgba(255,255,255,0.25); flex: none; }

/* --- service tiles v2 ---------------------------------------------------- */
.svc2-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.svc2-tile { display: flex; flex-direction: column; border-radius: 20px; padding: 32px 28px; text-decoration: none; color: inherit; transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease); position: relative; overflow: hidden; }
.svc2-tile:hover { transform: translateY(-6px); box-shadow: 0 24px 56px -18px rgba(6,55,29,0.3); }
.svc2-tile--green { background: var(--navy); color: #fff; }
.svc2-tile--dark  { background: #0d2e1a; color: #fff; }
.svc2-tile--light { background: var(--paper-2); color: var(--ink); border: 1px solid var(--line); }
.svc2-tile--mid   { background: #e8f3ec; color: var(--ink); border: 1px solid #c5e3ce; }
.svc2-tile__icon { width: 60px; height: 60px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 20px; }
.svc2-tile--green .svc2-tile__icon, .svc2-tile--dark .svc2-tile__icon { background: rgba(255,255,255,0.12); color: var(--brass-light); }
.svc2-tile--light .svc2-tile__icon, .svc2-tile--mid .svc2-tile__icon { background: var(--white); color: var(--navy); box-shadow: 0 2px 8px rgba(6,55,29,0.1); }
.svc2-tile__icon svg { width: 28px; height: 28px; }
.svc2-tile__tag { display: inline-block; font-size: 0.66rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; background: var(--brass-light); color: #0a2e13; padding: 4px 10px; border-radius: 6px; margin-bottom: 12px; align-self: flex-start; }
.svc2-tile h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 10px; }
.svc2-tile--green h3, .svc2-tile--dark h3 { color: #fff; }
.svc2-tile--light h3, .svc2-tile--mid h3 { color: var(--navy); }
.svc2-tile p { font-size: 0.9rem; flex: 1; line-height: 1.6; }
.svc2-tile--green p, .svc2-tile--dark p { color: rgba(255,255,255,0.68); }
.svc2-tile--light p, .svc2-tile--mid p { color: var(--muted); }
.svc2-tile__link { display: inline-flex; align-items: center; gap: 6px; font-size: 0.85rem; font-weight: 700; margin-top: 20px; transition: gap 0.2s var(--ease); }
.svc2-tile--green .svc2-tile__link, .svc2-tile--dark .svc2-tile__link { color: var(--brass-light); }
.svc2-tile--light .svc2-tile__link, .svc2-tile--mid .svc2-tile__link { color: var(--brass); }
.svc2-tile__link svg { width: 15px; height: 15px; transition: transform 0.22s var(--ease); }
.svc2-tile:hover .svc2-tile__link svg { transform: translateX(5px); }

/* --- testimonials -------------------------------------------------------- */
.testi-section { background: var(--paper); }
.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.testi-card { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 32px; display: flex; flex-direction: column; gap: 18px; transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease); }
.testi-card:hover { transform: translateY(-4px); box-shadow: 0 20px 48px -20px rgba(6,55,29,0.15); }
.testi-card--featured { background: var(--navy); border-color: var(--navy-2); }
.testi-card--featured p { color: rgba(255,255,255,0.82); }
.testi-card--featured .testi-author strong { color: #fff; }
.testi-card--featured .testi-author span { color: rgba(255,255,255,0.55); }
.testi-quote { font-size: 5rem; line-height: 0.6; color: var(--brass); font-family: Georgia, serif; font-weight: 900; height: 32px; display: block; }
.testi-card--featured .testi-quote { color: var(--brass-light); }
.testi-card p { color: var(--muted); font-size: 0.98rem; line-height: 1.65; flex: 1; }
.testi-author { display: flex; align-items: center; gap: 13px; margin-top: auto; }
.testi-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--paper-2); color: var(--navy); display: grid; place-items: center; font-weight: 700; font-size: 0.82rem; flex: none; border: 1px solid var(--line); }
.testi-card--featured .testi-avatar { background: rgba(255,255,255,0.12); color: var(--brass-light); border-color: rgba(255,255,255,0.15); }
.testi-author strong { display: block; color: var(--navy); font-size: 0.92rem; }
.testi-author span { color: var(--muted); font-size: 0.8rem; }

/* --- promise section ----------------------------------------------------- */
.promise-section { background: var(--navy); color: #fff; padding-block: clamp(56px,8vw,96px); }
.promise-inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center; }
.promise-left .eyebrow { color: var(--brass-light); }
.promise-left .eyebrow::before { background: var(--brass-light); }
.promise-left h2 { color: #fff; margin-top: 8px; }
.promise-left .lede { color: rgba(255,255,255,0.7); margin-top: 14px; }
.promise-points { display: flex; flex-direction: column; gap: 18px; margin-top: 28px; }
.promise-point { display: flex; gap: 14px; align-items: flex-start; }
.promise-point__icon { width: 30px; height: 30px; border-radius: 50%; background: rgba(0,131,60,0.4); color: var(--brass-light); display: grid; place-items: center; flex: none; margin-top: 1px; }
.promise-point__icon svg { width: 15px; height: 15px; }
.promise-point strong { color: #fff; }
.promise-point div:last-child { color: rgba(255,255,255,0.65); font-size: 0.93rem; line-height: 1.5; }
.promise-steps { display: flex; flex-direction: column; gap: 0; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 20px; overflow: hidden; }
.promise-step { display: flex; gap: 18px; align-items: flex-start; padding: 22px 26px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.promise-step:last-child { border-bottom: none; }
.promise-step__num { font-size: 0.7rem; font-weight: 800; letter-spacing: 0.1em; color: var(--brass-light); background: rgba(0,131,60,0.3); width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; flex: none; margin-top: 2px; }
.promise-step strong { display: block; color: #fff; font-size: 0.97rem; margin-bottom: 4px; }
.promise-step p { color: rgba(255,255,255,0.55); font-size: 0.87rem; margin: 0; line-height: 1.5; }

/* --- meet Emil section --------------------------------------------------- */
.meet-section { background: var(--paper); }
.meet-inner { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items: center; }
.meet-photo { position: relative; }
.meet-img { width: 100%; border-radius: 24px; object-fit: cover; object-position: top; aspect-ratio: 3/4; box-shadow: 0 32px 64px -20px rgba(6,55,29,0.25); }
.meet-photo-tag { position: absolute; bottom: 24px; left: 50%; transform: translateX(-50%); background: var(--navy); color: var(--brass-light); font-size: 0.72rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; padding: 8px 18px; border-radius: 999px; white-space: nowrap; box-shadow: 0 4px 16px rgba(0,0,0,0.3); }
.meet-quals { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.meet-quals span { font-size: 0.82rem; color: var(--navy); background: var(--paper-2); border: 1px solid var(--line); padding: 6px 14px; border-radius: 999px; font-weight: 500; }
.meet-contact { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.meet-contact-item { display: inline-flex; align-items: center; gap: 8px; color: var(--muted); font-size: 0.93rem; font-weight: 500; transition: color 0.2s var(--ease); }
.meet-contact-item:hover { color: var(--brass); }
.meet-contact-item svg { width: 17px; height: 17px; color: var(--brass); }

/* --- CTA v2 -------------------------------------------------------------- */
.cta2 { background: linear-gradient(135deg, var(--navy) 0%, #0d3d20 60%, #0a5028 100%); color: #fff; padding-block: clamp(56px,7vw,88px); position: relative; overflow: hidden; }
.cta2::before { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 400px at 90% 110%, rgba(0,131,60,0.35), transparent 60%); }
.cta2__inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta2__text { max-width: 560px; }
.cta2 h2 { color: #fff; font-size: clamp(1.6rem,3vw,2.2rem); }
.cta2 p { color: rgba(255,255,255,0.7); margin-top: 10px; }
.cta2__btns { display: flex; gap: 14px; flex-wrap: wrap; flex-shrink: 0; }

/* ==========================================================================
   Homepage redesign — legacy components (kept for other pages)
   ========================================================================== */

/* --- hero deco shield ---------------------------------------------------- */
.hero__deco { position: absolute; right: -30px; top: 50%; transform: translateY(-55%); width: clamp(260px,38vw,520px); height: auto; pointer-events: none; z-index: 0; opacity: 0.6; }
.hero__inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; padding-block: clamp(52px,8vw,90px); }
.hero__badge { display: inline-flex; align-items: center; gap: 7px; background: rgba(0,131,60,0.25); border: 1px solid rgba(111,207,151,0.3); color: #9bd1b3; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em; padding: 6px 13px; border-radius: 999px; margin-bottom: 18px; }
.hero__badge svg { width: 13px; height: 13px; }
.h1-accent { color: var(--brass-light); }
.hero__right { display: flex; flex-direction: column; gap: 16px; }
.hero__stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hstat { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 18px 20px; display: flex; flex-direction: column; gap: 4px; }
.hstat--big { grid-column: span 2; background: rgba(0,131,60,0.22); border-color: rgba(0,131,60,0.4); }
.hstat__num { font-size: 2.4rem; font-weight: 800; color: #fff; line-height: 1; letter-spacing: -0.03em; }
.hstat--big .hstat__num { font-size: 3.2rem; color: var(--brass-light); }
.hstat__num small { font-size: 0.55em; font-weight: 700; }
.hstat__label { font-size: 0.82rem; color: rgba(255,255,255,0.6); }
.hero__checklist { display: flex; flex-direction: column; gap: 10px; }
.hcheck { display: flex; align-items: center; gap: 10px; font-size: 0.93rem; color: rgba(255,255,255,0.82); }
.hcheck svg { width: 17px; height: 17px; color: var(--brass-light); flex: none; background: rgba(0,131,60,0.3); border-radius: 50%; padding: 3px; }

/* --- service tiles ------------------------------------------------------- */
.svc-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: end; margin-bottom: 32px; }
.svc-grid { display: grid; grid-template-columns: 1.1fr 0.9fr 0.9fr 0.9fr; gap: 16px; }
.svc-tile { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 24px; transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease); overflow: hidden; position: relative; text-decoration: none; color: inherit; }
.svc-tile:hover { transform: translateY(-5px); box-shadow: 0 20px 48px -20px rgba(6,55,29,0.25); border-color: #c5dcc9; }
.svc-tile::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--line); transition: background 0.25s; }
.svc-tile:hover::before, .svc-tile--main::before { background: var(--brass); }
.svc-tile--main { background: var(--navy); color: #fff; border-color: var(--navy-2); }
.svc-tile--main::before { background: var(--brass-light); }
.svc-tile--main h3 { color: #fff; }
.svc-tile--main p { color: rgba(255,255,255,0.75); }
.svc-tile__top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 16px; }
.svc-tile__icon { width: 44px; height: 44px; border-radius: 11px; background: var(--paper-2); color: var(--navy); display: grid; place-items: center; }
.svc-tile--main .svc-tile__icon { background: rgba(255,255,255,0.12); color: var(--brass-light); }
.svc-tile__icon svg { width: 22px; height: 22px; }
.svc-tile__tag { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: #1c1605; background: var(--brass-light); padding: 4px 10px; border-radius: 6px; white-space: nowrap; }
.svc-tile h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; color: var(--navy); }
.svc-tile.svc-tile--main h3 { color: #fff; }
.svc-tile p { font-size: 0.9rem; color: var(--muted); flex: 1; }
.svc-tile__link { display: inline-flex; align-items: center; gap: 6px; font-size: 0.85rem; font-weight: 700; color: var(--brass); margin-top: 16px; }
.svc-tile--main .svc-tile__link { color: var(--brass-light); }
.svc-tile__link svg { width: 14px; height: 14px; transition: transform 0.22s var(--ease); }
.svc-tile:hover .svc-tile__link svg { transform: translateX(4px); }

/* --- no cost band -------------------------------------------------------- */
.nocost { background: var(--navy); color: #fff; padding-block: clamp(48px,7vw,80px); }
.nocost__inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.nocost__left .eyebrow { color: var(--brass-light); }
.nocost__left .eyebrow::before { background: var(--brass-light); }
.nocost__left h2 { color: #fff; margin-top: 6px; }
.nocost__left .lede { color: rgba(255,255,255,0.72); margin-top: 12px; }
.nocost__points { display: flex; flex-direction: column; gap: 16px; margin-top: 22px; }
.ncp { display: flex; gap: 13px; }
.ncp__icon { width: 28px; height: 28px; border-radius: 50%; background: rgba(0,131,60,0.35); color: var(--brass-light); display: grid; place-items: center; flex: none; margin-top: 2px; }
.ncp__icon svg { width: 14px; height: 14px; }
.ncp strong { display: block; color: #fff; font-size: 0.95rem; }
.ncp div:last-child { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.nocost__right { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12); border-radius: 18px; padding: 32px; }
.nocost__zero { font-size: clamp(4rem,9vw,7rem); font-weight: 900; color: var(--brass-light); line-height: 1; letter-spacing: -0.04em; }
.nocost__right > p { color: rgba(255,255,255,0.65); font-size: 0.95rem; margin-top: 8px; margin-bottom: 24px; }
.nocost__steps { display: flex; flex-direction: column; gap: 0; }
.ns { display: flex; align-items: center; gap: 14px; padding: 11px 0; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.92rem; color: rgba(255,255,255,0.8); }
.ns:first-child { border-top: none; }
.ns span { font-size: 0.7rem; font-weight: 800; letter-spacing: 0.1em; color: var(--brass-light); width: 24px; }

/* --- adviser split ------------------------------------------------------- */
.adviser-split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.adviser-quals-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.adviser-quals-row span { font-size: 0.82rem; color: var(--navy); background: var(--paper-2); border: 1px solid var(--line); padding: 5px 12px; border-radius: 999px; font-weight: 500; }
.adviser-card { background: var(--white); border: 1px solid var(--line); border-radius: 18px; overflow: hidden; box-shadow: 0 12px 40px -20px rgba(6,55,29,0.18); }
.adviser-card__head { display: flex; gap: 14px; align-items: center; padding: 22px 24px; border-bottom: 1px solid var(--line); }
.adviser-card__avatar { width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: var(--brass-light); display: grid; place-items: center; font-size: 1.3rem; font-weight: 800; flex: none; }
.adviser-card__head strong { display: block; font-size: 1rem; color: var(--navy); }
.adviser-card__head span { font-size: 0.82rem; color: var(--muted); }
.adviser-card__stats { display: grid; grid-template-columns: repeat(3,1fr); }
.adviser-card__stats > div { padding: 18px; text-align: center; border-left: 1px solid var(--line); display: flex; flex-direction: column; align-items: center; gap: 3px; }
.adviser-card__stats > div:first-child { border-left: none; }
.adviser-card__stats big { font-size: 1.8rem; font-weight: 800; color: var(--navy); line-height: 1; letter-spacing: -0.02em; }
.adviser-card__stats small { font-size: 0.75rem; color: var(--muted); }

/* --- responsive overrides for legacy components -------------------------- */
@media (max-width: 960px) {
  .hero__deco { display: none; }
  .hero__inner { grid-template-columns: 1fr; }
  .svc-intro { grid-template-columns: 1fr; }
  .svc-grid { grid-template-columns: 1fr 1fr; }
  .nocost__inner { grid-template-columns: 1fr; }
  .adviser-split { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .svc-grid { grid-template-columns: 1fr; }
  .hero__stat-grid { grid-template-columns: 1fr 1fr; }
  .hstat--big { grid-column: span 2; }
  .adviser-card__stats { grid-template-columns: repeat(3,1fr); }
}

/* --- responsive overrides for v2 homepage -------------------------------- */
@media (max-width: 960px) {
  .hero2__inner { grid-template-columns: 1fr; gap: 40px; }
  .hero2__right { order: -1; }
  .hero2__portrait { max-width: 320px; margin-inline: auto; }
  .svc2-grid { grid-template-columns: repeat(2,1fr); }
  .testi-grid { grid-template-columns: 1fr; }
  .promise-inner { grid-template-columns: 1fr; }
  .meet-inner { grid-template-columns: 1fr; }
  .meet-img { max-width: 380px; }
  .cta2__inner { flex-direction: column; align-items: flex-start; }
  .numbers-strip__inner { gap: 0; }
  .ns-divider { display: none; }
  .ns-stat { padding: 12px 20px; }
}
@media (max-width: 640px) {
  .svc2-grid { grid-template-columns: 1fr; }
  .hero2 { min-height: auto; }
  .hero2__portrait { max-width: 260px; }
  .numbers-strip__inner { display: grid; grid-template-columns: 1fr 1fr; }
  .ns-stat { padding: 16px; }
}