/* ============================================================
   ALL SIDES INSURANCE — Single-Page Site
   Navy + Gold editorial palette
   ============================================================ */

:root {
  --navy: #0a2540;
  --navy-deep: #061829;
  --navy-soft: #1a3a5c;
  --gold: #c89b3c;
  --gold-soft: #e8c878;
  --gold-bg: #fef4dc;
  --bg: #faf6ee;
  --bg-warm: #fcf8ef;
  --card: #ffffff;
  --text: #0a2540;
  --muted: #6b7785;
  --border: #e8dfc9;
  --border-strong: #d9cdb1;
  --accent: #1f6f4a;
  --accent-bg: #ecf5ef;
  --peach-bg: #fcf0e8;
  --warm-rose: #e8a888;
  --warm-coral: #f5c6a8;
  --shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.04);
  --shadow-md: 0 4px 16px rgba(10, 37, 64, 0.06), 0 1px 3px rgba(10, 37, 64, 0.04);
  --shadow-lg: 0 12px 40px rgba(10, 37, 64, 0.08), 0 2px 8px rgba(10, 37, 64, 0.04);
  --max-w: 1180px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  font-family: 'Inter Tight', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

main { flex: 1; }
a { color: var(--navy); text-decoration: none; }

/* ============================================================
   NAVIGATION
   ============================================================ */

.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247, 245, 240, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 18px 28px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.15rem; font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.01em;
  font-variation-settings: "opsz" 144;
}
.logo-mark { width: 36px; height: 36px; flex-shrink: 0; }

/* Logo animation: subtle compass-point rotation + gentle center pulse */
.logo-compass {
  transform-origin: 18px 18px;
  animation: logoCompassSpin 16s linear infinite;
}
.logo-center {
  transform-origin: 18px 18px;
  animation: logoCenterPulse 3s ease-in-out infinite;
}
@keyframes logoCompassSpin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}
@keyframes logoCenterPulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50%      { transform: scale(1.18); opacity: 0.85; }
}
.logo:hover .logo-compass { animation-duration: 4s; }
@media (prefers-reduced-motion: reduce) {
  .logo-compass, .logo-center { animation: none; }
}
.logo-name { line-height: 1; }
.logo-name strong {
  display: block;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  font-size: 0.7rem;
  color: var(--gold);
  font-family: 'Inter Tight', sans-serif;
  margin-bottom: 2px;
}
.logo-name em { font-style: italic; font-weight: 400; font-size: 1.15rem; }

.nav-links {
  display: flex; align-items: center; gap: 4px; list-style: none;
}
.nav-links a {
  display: inline-block;
  padding: 8px 14px;
  font-size: 0.88rem; font-weight: 500;
  color: var(--text);
  border-radius: 8px;
  transition: all 0.2s;
}
.nav-links a:hover { background: rgba(10, 37, 64, 0.05); }

.nav-cta {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 18px;
  background: var(--navy);
  color: #fff !important;
  border-radius: 100px;
  font-size: 0.85rem; font-weight: 600;
  transition: all 0.2s;
}
.nav-cta:hover {
  background: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(10, 37, 64, 0.2);
}
.nav-cta svg { width: 14px; height: 14px; }

.menu-toggle {
  display: none; background: none; border: none; cursor: pointer; padding: 6px;
}
.menu-toggle svg { width: 24px; height: 24px; color: var(--navy); }

/* ============================================================
   LAYOUT
   ============================================================ */

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 28px; }
.section { padding: 80px 0; }
.section-tight { padding: 48px 0; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.72rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.16em;
  color: var(--gold);
  margin-bottom: 16px;
}
.eyebrow::before {
  content: ''; width: 24px; height: 1px; background: var(--gold);
}

h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.025em;
  line-height: 1.15;
  font-variation-settings: "opsz" 144;
}
h1 { font-size: clamp(2.4rem, 6vw, 4.2rem); }
h2 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }
h1 em, h2 em, h3 em { font-style: italic; color: var(--gold); font-weight: 400; }

.lead {
  font-size: 1.1rem;
  color: var(--muted);
  line-height: 1.65;
  max-width: 620px;
}

/* ============================================================
   HERO (with Stewart's photo)
   ============================================================ */

.hero {
  position: relative;
  padding: 72px 0 88px;
  overflow: hidden;
  background:
    radial-gradient(at 15% 20%, rgba(200, 155, 60, 0.08) 0px, transparent 50%),
    radial-gradient(at 85% 80%, rgba(10, 37, 64, 0.05) 0px, transparent 50%);
}
.hero-decor {
  position: absolute; pointer-events: none; opacity: 0.5;
}
.hero-decor.top-right {
  top: 40px; right: 40px; width: 32px; height: 32px;
  border-top: 2px solid var(--gold);
  border-right: 2px solid var(--gold);
}
.hero-decor.bottom-left {
  bottom: 40px; left: 40px; width: 32px; height: 32px;
  border-bottom: 2px solid var(--gold);
  border-left: 2px solid var(--gold);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-content { min-width: 0; }
.hero-content h1 { margin-bottom: 22px; }
.hero-content .lead { margin-bottom: 32px; font-size: 1.18rem; }

.hero-actions {
  display: flex; gap: 12px; flex-wrap: wrap;
}

.hero-photo-wrap {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 1/1;
  max-width: 460px;
  width: 100%;
  margin: 0 auto;
  background: #0a2540;
  z-index: 1;
}
.hero-photo-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 24px;
  box-shadow: 0 0 0 2px var(--gold), var(--shadow-lg);
  pointer-events: none;
}
.hero-photo {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.hero-photo-caption {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  z-index: 3;
  color: #fff;
}
.hero-photo-caption .name {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.5rem;
  font-weight: 500;
  letter-spacing: -0.01em;
}
.hero-photo-caption .title {
  font-size: 0.8rem;
  color: var(--gold-soft);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-top: 4px;
}

/* trust ribbon */
.trust-ribbon {
  display: flex;
  gap: 32px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px dashed var(--border);
  flex-wrap: wrap;
}
.trust-ribbon-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.85rem;
  color: var(--muted);
  font-weight: 500;
}
.trust-ribbon-item svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; }
.trust-ribbon-item strong { color: var(--navy); font-weight: 700; }

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 26px;
  border-radius: 100px;
  font-family: inherit;
  font-size: 0.92rem; font-weight: 600;
  letter-spacing: 0.01em;
  cursor: pointer; border: none; text-decoration: none;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy);
  color: #fff !important;
  position: relative; overflow: hidden;
}
.btn-primary::before {
  content: ''; position: absolute; top: 0; left: -100%;
  width: 100%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(200,155,60,0.25), transparent);
  transition: left 0.6s ease;
}
.btn-primary:hover::before { left: 100%; }
.btn-primary:hover {
  background: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(10, 37, 64, 0.2);
}
.btn-gold {
  background: var(--gold);
  color: var(--navy) !important;
}
.btn-gold:hover {
  background: var(--gold-soft);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(200, 155, 60, 0.3);
}
.btn-outline {
  background: transparent;
  color: var(--navy) !important;
  border: 1.5px solid var(--border-strong);
}
.btn-outline:hover {
  border-color: var(--navy);
  background: rgba(10, 37, 64, 0.03);
}
.btn .arrow { transition: transform 0.2s; }
.btn:hover .arrow { transform: translateX(3px); }

/* ============================================================
   CARDS & GRID
   ============================================================ */

.card-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 32px 28px;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--border-strong);
}
.card-icon {
  width: 48px; height: 48px;
  background: var(--gold-bg);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
}
.card-icon svg { width: 24px; height: 24px; }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.95rem; line-height: 1.65; }

/* ============================================================
   ABOUT SPLIT WITH PHOTO
   ============================================================ */

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split-photo-wrap {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  aspect-ratio: 4/5;
  max-width: 440px;
  width: 100%;
  margin: 0 auto;
  background: #0a2540;
  box-shadow: var(--shadow-lg);
}
.split-photo-wrap::before {
  content: '';
  position: absolute;
  top: 16px; left: 16px;
  width: 32px; height: 32px;
  border-top: 2px solid var(--gold);
  border-left: 2px solid var(--gold);
  z-index: 3;
}
.split-photo-wrap::after {
  content: '';
  position: absolute;
  bottom: 16px; right: 16px;
  width: 32px; height: 32px;
  border-bottom: 2px solid var(--gold);
  border-right: 2px solid var(--gold);
  z-index: 3;
}
.split-photo {
  width: 100%; height: 100%; object-fit: cover;
  display: block;
}
.split-content h2 { margin-bottom: 20px; }
.split-content > p { color: var(--muted); margin-bottom: 16px; }

.feature-list { list-style: none; margin: 28px 0; }
.feature-list li {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 12px 0;
  border-bottom: 1px dashed var(--border);
  font-size: 0.95rem;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .check {
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: var(--accent-bg);
  color: var(--accent);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-top: 2px;
}
.feature-list .check svg { width: 12px; height: 12px; }
.feature-list strong { color: var(--navy); font-weight: 600; }

/* ============================================================
   CARRIER LOGOS / TRUST BAR
   ============================================================ */

.carrier-bar {
  background: var(--bg-warm);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
}
.carrier-grid {
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 48px;
  text-align: center;
}
.carrier-item {
  display: flex; align-items: center; gap: 10px;
  color: var(--muted);
  font-weight: 600;
  font-size: 0.95rem;
}
.carrier-item .logo-circle {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: 0.9rem;
}

/* ============================================================
   FAQ
   ============================================================ */

.faq-wrap { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 14px;
  margin-bottom: 12px;
  overflow: hidden;
  transition: all 0.2s;
}
.faq-item:hover { border-color: var(--border-strong); }
.faq-item[open] {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.faq-q {
  cursor: pointer;
  padding: 20px 24px;
  list-style: none;
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px;
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.1rem;
  color: var(--navy);
  font-weight: 500;
  transition: color 0.2s;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q:hover { color: var(--gold); }
.faq-q .icon {
  flex-shrink: 0;
  width: 24px; height: 24px;
  background: var(--gold-bg);
  color: var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.3s;
}
.faq-q .icon svg { width: 12px; height: 12px; }
.faq-item[open] .faq-q .icon { transform: rotate(45deg); }
.faq-a {
  padding: 0 24px 22px;
  color: var(--muted);
  line-height: 1.7;
}
.faq-a strong { color: var(--navy); }

/* ============================================================
   QUOTE CALCULATOR
   ============================================================ */

.quote-section {
  background: var(--bg-warm);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.quote-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 40px;
  align-items: start;
}

.quote-col-header {
  text-align: center; margin-bottom: 14px;
}
.quote-col-header .eyebrow { justify-content: center; }
.quote-sub {
  color: var(--muted); font-size: 0.92rem; margin-bottom: 20px;
}

.calc-card {
  background: var(--card);
  border-radius: 18px;
  padding: 32px 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.calc-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
}

.stepper {
  display: flex; justify-content: center; gap: 8px; margin-bottom: 22px;
}
.step-dot {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.72rem; font-weight: 600;
  color: var(--muted); letter-spacing: 0.02em;
}
.step-dot .num {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--border); color: var(--muted);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.72rem; font-weight: 700;
  transition: all 0.3s;
}
.step-dot.active .num { background: var(--navy); color: #fff; }
.step-dot.done .num { background: var(--accent); color: #fff; }
.step-dot.active { color: var(--navy); }
.step-line { width: 26px; height: 1px; background: var(--border); align-self: center; }

.step-panel { display: none; }
.step-panel.active { display: block; animation: fadeIn 0.4s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.panel-title {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.3rem; font-weight: 500;
  color: var(--navy); letter-spacing: -0.01em;
  margin-bottom: 4px;
}
.panel-sub { font-size: 0.85rem; color: var(--muted); margin-bottom: 22px; }

.tile-grid {
  display: grid; gap: 10px;
  grid-template-columns: repeat(2, 1fr);
  margin-bottom: 22px;
}
.tile {
  padding: 16px 14px; border: 1.5px solid var(--border-strong);
  border-radius: 12px; background: #fafaf7;
  cursor: pointer; transition: all 0.2s; text-align: center;
}
.tile:hover {
  border-color: var(--navy-soft); background: #fff;
  transform: translateY(-1px);
}
.tile.selected {
  border-color: var(--navy); background: #fff;
  box-shadow: 0 0 0 4px rgba(10, 37, 64, 0.08);
}
.tile-icon { width: 28px; height: 28px; margin: 0 auto 6px; color: var(--navy); }
.tile.selected .tile-icon { color: var(--gold); }
.tile-label { font-size: 0.88rem; font-weight: 600; color: var(--text); line-height: 1.3; }
.tile-meta { font-size: 0.7rem; color: var(--muted); margin-top: 2px; }

.nav-row { display: flex; gap: 10px; margin-top: 6px; }
.step-btn {
  flex: 1; padding: 14px; border: none; border-radius: 12px;
  font-size: 0.92rem; font-weight: 600; font-family: inherit;
  letter-spacing: 0.01em; cursor: pointer;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.step-btn-primary { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.step-btn-primary::before {
  content: ''; position: absolute; top: 0; left: -100%;
  width: 100%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(200,155,60,0.2), transparent);
  transition: left 0.6s ease;
}
.step-btn-primary:hover::before { left: 100%; }
.step-btn-primary:hover {
  background: var(--navy-deep); transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(10, 37, 64, 0.2);
}
.step-btn-primary:disabled { background: var(--border-strong); cursor: not-allowed; transform: none; }
.step-btn-primary:disabled:hover { box-shadow: none; }
.step-btn-ghost {
  background: transparent; color: var(--navy);
  border: 1.5px solid var(--border-strong); flex: 0 0 auto; padding: 14px 18px;
}
.step-btn-ghost:hover { background: #fafaf7; border-color: var(--navy-soft); }
.step-btn .arrow { transition: transform 0.2s; }
.step-btn-primary:hover .arrow { transform: translateX(3px); }

.result-panel { display: none; }
.result-panel.active { display: block; animation: fadeIn 0.4s ease; }

.quote-summary {
  text-align: center; padding: 8px 0 20px;
  border-bottom: 1px dashed var(--border); margin-bottom: 22px;
}
.quote-summary .label {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.68rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.16em;
  color: var(--accent); background: var(--accent-bg);
  padding: 5px 12px; border-radius: 100px; margin-bottom: 14px;
}
.quote-summary .label::before {
  content: ''; width: 5px; height: 5px;
  border-radius: 50%; background: var(--accent);
}
.quote-summary .price {
  font-family: 'Fraunces', Georgia, serif;
  font-size: clamp(2.6rem, 8vw, 3.3rem);
  font-weight: 500; color: var(--navy);
  line-height: 1; letter-spacing: -0.03em;
  font-variation-settings: "opsz" 144;
}
.quote-summary .price .currency {
  font-size: 0.55em; color: var(--gold);
  font-style: italic; font-weight: 400;
  vertical-align: 0.4em; margin-right: 2px;
}
.quote-summary .price .per {
  font-size: 0.32em; color: var(--muted);
  font-style: italic; font-weight: 400;
  font-family: 'Fraunces', Georgia, serif;
}
.quote-summary .breakdown {
  display: inline-flex; gap: 8px; align-items: baseline;
  margin-top: 10px; font-size: 0.82rem; color: var(--muted);
  flex-wrap: wrap; justify-content: center;
}
.quote-summary .breakdown s { font-weight: 500; }
.quote-summary .breakdown .savings {
  color: var(--accent); font-weight: 600;
  background: var(--accent-bg);
  padding: 2px 8px; border-radius: 6px;
}
.quote-summary .plan-tag {
  margin-top: 8px; font-size: 0.78rem;
  color: var(--navy); font-weight: 600;
}

.plans-title {
  font-size: 0.72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--muted); margin-bottom: 10px; text-align: center;
}
.plan-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 18px; background: #fafaf7;
  border: 1px solid var(--border); border-radius: 12px;
  margin-bottom: 8px; transition: all 0.2s;
  gap: 12px;
}
.plan-row:hover { border-color: var(--border-strong); transform: translateX(2px); }
.plan-row.featured {
  background: linear-gradient(135deg, #f0f7f3 0%, #ecf5ef 100%);
  border-color: #c9e0d2;
}
.plan-info { text-align: left; flex: 1; min-width: 0; }
.plan-name { font-size: 0.92rem; font-weight: 600; color: var(--text); }
.plan-detail { font-size: 0.72rem; color: var(--muted); margin-top: 1px; }
.plan-right {
  display: flex; flex-direction: column;
  align-items: flex-end; gap: 8px; flex-shrink: 0;
}
.plan-price {
  font-size: 1.05rem; font-weight: 700;
  color: var(--text); font-variant-numeric: tabular-nums;
  text-align: right; white-space: nowrap;
}
.plan-row.featured .plan-price { color: var(--accent); }
.plan-price .small { font-size: 0.7rem; color: var(--muted); font-weight: 500; }

.brochure-btn {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 7px 12px;
  background: var(--navy);
  color: #fff !important;
  border-radius: 100px;
  font-size: 0.74rem; font-weight: 600;
  text-decoration: none;
  letter-spacing: 0.01em;
  transition: all 0.2s; white-space: nowrap;
}
.brochure-btn:hover {
  background: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(10, 37, 64, 0.2);
}
.plan-row.featured .brochure-btn {
  background: var(--gold);
  color: var(--navy) !important;
}
.plan-row.featured .brochure-btn:hover {
  background: var(--gold-soft);
  box-shadow: 0 4px 10px rgba(200, 155, 60, 0.3);
}

.disclaimer {
  margin-top: 16px; font-size: 0.7rem;
  color: var(--muted); text-align: center;
  line-height: 1.6; opacity: 0.75; padding: 0 8px;
}
.restart-link { text-align: center; margin-top: 18px; }
.restart-link a {
  font-size: 0.78rem; color: var(--muted);
  text-decoration: none; font-weight: 500;
  border-bottom: 1px dashed var(--border-strong);
  padding-bottom: 1px; transition: color 0.2s; cursor: pointer;
}
.restart-link a:hover { color: var(--navy); }

/* Calendly */
.calendly-wrap {
  background: var(--card);
  border-radius: 18px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  position: relative;
}
.calendly-wrap::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--navy) 100%);
  z-index: 2;
}
.calendly-inline-widget { min-width: 320px; height: 700px; }

/* ============================================================
   CTA BANNER
   ============================================================ */

.cta-banner {
  position: relative;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  border-radius: 24px;
  padding: 64px 56px;
  color: #fff;
  text-align: center;
  overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(200,155,60,0.18) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-banner::after {
  content: ''; position: absolute;
  bottom: -150px; left: -100px;
  width: 350px; height: 350px;
  background: radial-gradient(circle, rgba(200,155,60,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-banner > * { position: relative; }
.cta-banner h2 { color: #fff; margin-bottom: 16px; }
.cta-banner h2 em { color: var(--gold-soft); }
.cta-banner p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  max-width: 520px;
  margin: 0 auto 32px;
}
.cta-banner-actions {
  display: flex; gap: 12px; justify-content: center; flex-wrap: wrap;
}

/* ============================================================
   FOOTER
   ============================================================ */

.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 32px;
  margin-top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 48px;
}
.footer .logo { color: #fff; }
.footer .logo-name em { color: #fff; }
.footer .logo-name strong { color: var(--gold-soft); }
.footer-tagline {
  margin-top: 18px;
  font-size: 0.92rem;
  line-height: 1.65;
  max-width: 380px;
}
.footer-col h4 {
  color: #fff;
  font-family: 'Inter Tight', sans-serif;
  font-size: 0.78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.14em;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--gold-soft); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.82rem;
  flex-wrap: wrap; gap: 16px;
}

/* Section-section transitions */
.section-header-center {
  text-align: center; margin-bottom: 48px;
}
.section-header-center .eyebrow { justify-content: center; }

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 968px) {
  .nav-links { display: none; }
  .menu-toggle { display: block; }
  .nav-links.mobile-open {
    display: flex;
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    padding: 16px;
    gap: 0;
    align-items: stretch;
  }
  .nav-links.mobile-open a {
    padding: 14px 16px;
    border-bottom: 1px solid var(--border);
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-photo-wrap {
    max-width: 360px; margin: 0 auto;
  }
  .split { grid-template-columns: 1fr; gap: 48px; }
  .split-photo-wrap { max-width: 360px; margin: 0 auto; }
  .card-grid-3 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .cta-banner { padding: 48px 32px; }
  .quote-grid { grid-template-columns: 1fr; gap: 28px; }
  .calendly-inline-widget { height: 650px; }
}

/* ============================================================
   INVITE POPUP (appears after 60s)
   ============================================================ */

.invite-overlay {
  position: fixed;
  inset: 0;
  background: rgba(6, 24, 41, 0.7);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s ease, visibility 0.35s ease;
}
.invite-overlay.show {
  opacity: 1;
  visibility: visible;
}

.invite-modal {
  background: var(--card);
  border-radius: 24px;
  max-width: 560px;
  width: 100%;
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(6, 24, 41, 0.4);
  display: grid;
  grid-template-columns: 220px 1fr;
  transform: translateY(20px) scale(0.96);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.invite-overlay.show .invite-modal {
  transform: translateY(0) scale(1);
}
.invite-modal::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--navy) 100%);
  z-index: 5;
}

.invite-photo {
  background: #0a2540;
  position: relative;
  overflow: hidden;
}
.invite-photo img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.invite-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(10, 37, 64, 0.6) 100%);
}

.invite-content {
  padding: 32px 32px 28px;
  position: relative;
}

.invite-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 32px; height: 32px;
  background: rgba(10, 37, 64, 0.05);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  transition: all 0.2s;
  z-index: 6;
}
.invite-close:hover {
  background: rgba(10, 37, 64, 0.12);
  color: var(--navy);
  transform: rotate(90deg);
}
.invite-close svg { width: 14px; height: 14px; }

.invite-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold);
  margin-bottom: 12px;
}
.invite-eyebrow::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
  animation: invitePulse 2s ease-in-out infinite;
}
@keyframes invitePulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.4); }
}

.invite-modal h3 {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin-bottom: 10px;
}
.invite-modal h3 em {
  font-style: italic;
  color: var(--gold);
  font-weight: 400;
}

.invite-modal p {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.55;
  margin-bottom: 20px;
}

.invite-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.invite-btn {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px 18px;
  border-radius: 100px;
  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  transition: all 0.2s;
  white-space: nowrap;
  border: 1.5px solid transparent;
}
.invite-btn.primary {
  background: var(--navy);
  color: #fff;
}
.invite-btn.primary:hover {
  background: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(10, 37, 64, 0.25);
}
.invite-btn.secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--border-strong);
}
.invite-btn.secondary:hover {
  border-color: var(--navy);
  background: rgba(10, 37, 64, 0.03);
}

@media (max-width: 560px) {
  .invite-modal {
    grid-template-columns: 1fr;
  }
  .invite-photo {
    height: 200px;
  }
  .invite-photo img { object-position: center 30%; }
  .invite-content { padding: 24px 24px 22px; }
}

/* ============================================================
   SUBTLE SCROLL & LOAD ANIMATIONS
   ============================================================ */

/* Hero content fades in on load */
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

.hero-content > * {
  opacity: 0;
  animation: heroFadeUp 0.8s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}
.hero-content .eyebrow      { animation-delay: 0.05s; }
.hero-content h1            { animation-delay: 0.15s; }
.hero-content .lead         { animation-delay: 0.30s; }
.hero-content .hero-actions { animation-delay: 0.45s; }
.hero-content .trust-ribbon { animation-delay: 0.60s; }

.hero-photo-wrap {
  opacity: 0;
  animation: heroFadeUp 1s 0.3s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

/* Scroll reveal: elements gently fade up when entering viewport */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
              transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* Failsafe: if JS doesn't run or fires late, show after 2s */
@keyframes revealFailsafe {
  to { opacity: 1; transform: translateY(0); }
}
.reveal {
  animation: revealFailsafe 0.01s 2s forwards;
}
.reveal.is-visible {
  animation: none;
}

/* Stagger children when a parent reveals - children stay in place but fade in sequence */
.reveal-stagger > * {
  opacity: 0;
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1),
              transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  transform: translateY(12px);
}
.reveal-stagger.is-visible > * {
  opacity: 1;
  transform: translateY(0);
}
.reveal-stagger.is-visible > *:nth-child(1) { transition-delay: 0.05s; }
.reveal-stagger.is-visible > *:nth-child(2) { transition-delay: 0.15s; }
.reveal-stagger.is-visible > *:nth-child(3) { transition-delay: 0.25s; }
.reveal-stagger.is-visible > *:nth-child(4) { transition-delay: 0.35s; }

/* Soft hover lift on hero buttons */
.hero-actions .btn { transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1); }

/* Respect reduced-motion preference */
@media (prefers-reduced-motion: reduce) {
  .hero-content > *,
  .hero-photo-wrap,
  .reveal,
  .reveal-stagger > * {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
    transition: none !important;
  }
}

/* ============================================================
   MOBILE BREAKPOINT (small)
   ============================================================ */
@media (max-width: 560px) {
  .nav-inner { padding: 14px 20px; }
  .container { padding: 0 20px; }
  .section { padding: 56px 0; }
  .hero { padding: 48px 0 64px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .carrier-grid { gap: 24px; }
  .step-line { width: 14px; }
  .calc-card { padding: 24px 20px; }
}

/* ============================================================
   TESTIMONIALS MARQUEE
   ============================================================ */

.testimonials-section {
  background: linear-gradient(180deg, var(--bg) 0%, var(--peach-bg) 100%);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.marquee-wrap {
  position: relative;
  margin-top: 40px;
  margin-bottom: 12px;
  overflow: hidden;
  width: 100%;
  /* Fade edges */
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 8%, #000 92%, transparent 100%);
          mask-image: linear-gradient(90deg, transparent 0%, #000 8%, #000 92%, transparent 100%);
}

.marquee-track {
  display: flex;
  gap: 20px;
  width: max-content;
  animation: marqueeScroll 60s linear infinite;
  padding: 8px 0;
}

.marquee-wrap:hover .marquee-track {
  animation-play-state: paused;
}

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

.testimonial-card {
  flex: 0 0 340px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px 24px 22px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  transition: transform 0.3s, box-shadow 0.3s;
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.testimonial-card::before {
  content: '';
  position: absolute;
  top: 0; left: 24px; right: 24px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--warm-rose) 100%);
  border-radius: 0 0 4px 4px;
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  color: var(--gold);
}
.testimonial-stars svg { width: 14px; height: 14px; }

.testimonial-quote {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 0.96rem;
  line-height: 1.55;
  color: var(--text);
  font-weight: 400;
  letter-spacing: -0.005em;
  flex: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px dashed var(--border);
  padding-top: 14px;
  margin-top: 4px;
}

.testimonial-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--warm-rose) 100%);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: 0.92rem;
  flex-shrink: 0;
}

.testimonial-name {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.2;
}

.testimonial-date {
  font-size: 0.7rem;
  color: var(--muted);
  margin-top: 2px;
}

.fb-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 36px;
  padding: 12px 22px;
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 100px;
  color: var(--navy);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s;
}

.fb-link:hover {
  border-color: var(--gold);
  background: var(--gold-bg);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(200, 155, 60, 0.18);
}

.fb-link svg { width: 16px; height: 16px; color: #1877f2; }

@media (max-width: 560px) {
  .testimonial-card { flex: 0 0 280px; padding: 20px 20px 18px; }
  .testimonial-quote { font-size: 0.9rem; }
}