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

ul{list-style:none}

a{text-decoration:none}

img{display:block;max-width:100%;height:auto}

:root{
  --navy:#0f2a4a;
  --red:#990000;
  --red2:#b30000;
  --orange:#f26522;
  --orange2:#ff8040;
  --sand:#f5f3ef;
  --white:#ffffff;
  --text:#1e2d3d;
  --muted:#6b7f94;
  --border:#e0ddd8;
  --radius:14px;
  --radius-lg:24px;
  --shadow:0 4px 24px rgba(15,42,74,.10);
  --shadow-lg:0 12px 48px rgba(15,42,74,.16);
}

html{scroll-behavior:smooth}

body{font-family:'DM Sans',sans-serif;color:var(--text);background:#fff;font-size:16px;line-height:1.7;overflow-x:hidden}

h1,h2,h3,h4{font-family:'Sora',sans-serif;line-height:1.2;color:var(--navy)}

p{margin-bottom:1.1em;color:var(--text)}

p:last-child{margin-bottom:0}

strong{font-weight:700;color:var(--navy)}

/* ─── NAV (shared) ─── */
.nav{
  position:sticky;top:0;z-index:9999;
  background:rgba(255,255,255,.96);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
  height:92px;padding:0 5vw;
  display:flex;align-items:center;justify-content:space-between;
}

.nav-logo img{height:80px;width:auto}

.nav-list{display:flex;align-items:center;gap:2px}

.nav-list > li{position:relative}

.nav-list > li > a{
  display:flex;align-items:center;gap:5px;
  padding:8px 12px;font-size:14px;font-weight:500;color:var(--text);
  border-radius:8px;white-space:nowrap;position:relative;
  transition:color .2s;
}

.nav-list > li > a::before{
  content:'';position:absolute;bottom:4px;left:12px;right:12px;
  height:2px;background:var(--red);border-radius:2px;
  transform:scaleX(0);transform-origin:left;transition:transform .2s ease;
}

.nav-list > li > a:hover::before{transform:scaleX(1)}

.nav-list > li > a:hover{color:var(--red);background:transparent}

.nav-list > li.has-sub > a::after{
  content:'';width:6px;height:6px;
  border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;
  transform:rotate(45deg) translateY(-1px);transition:transform .2s;flex-shrink:0;
}

.nav-list > li.has-sub:hover > a::after{transform:rotate(-135deg) translateY(2px)}

.nav-list > li.has-sub > .dropdown{
  position:absolute;top:100%;left:0;min-width:260px;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:14px 0 6px;
  opacity:0;visibility:hidden;pointer-events:none;
  transform:translateY(8px) scale(.98);transform-origin:top left;
  transition:opacity .2s ease,visibility .2s ease,transform .2s ease;z-index:9998;
}

.nav-list > li.has-sub > .dropdown::before{content:'';position:absolute;top:-12px;left:0;right:0;height:12px}

.nav-list > li.has-sub:hover > .dropdown{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0) scale(1)}

.dropdown > li{opacity:0;transform:translateX(-6px);transition:opacity .15s ease,transform .15s ease}

.nav-list > li.has-sub:hover > .dropdown > li{opacity:1;transform:translateX(0)}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(1){transition-delay:.03s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(2){transition-delay:.06s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(3){transition-delay:.09s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(4){transition-delay:.12s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(5){transition-delay:.15s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(6){transition-delay:.18s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(7){transition-delay:.21s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(8){transition-delay:.24s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(9){transition-delay:.27s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(10){transition-delay:.30s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(11){transition-delay:.33s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(12){transition-delay:.36s}

.nav-list > li.has-sub:hover > .dropdown > li:nth-child(13){transition-delay:.39s}

.dropdown > li > a{
  display:block;padding:9px 18px;font-size:13.5px;font-weight:400;color:var(--text);
  white-space:nowrap;border-left:2px solid transparent;
  transition:background .15s,color .15s,border-color .15s,padding-left .15s;
}

.dropdown > li > a:hover{background:var(--sand);color:var(--red);border-left-color:var(--red);padding-left:22px}

.dropdown > li.sep{height:1px;background:var(--border);margin:5px 0;opacity:1;transform:none}

.dropdown > li.all > a{font-weight:700;color:var(--red);border-top:1px solid var(--border);margin-top:4px}

.nav-cta{
  display:inline-block;background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:13px;letter-spacing:.03em;
  padding:11px 22px;border-radius:50px;margin-left:16px;white-space:nowrap;
  box-shadow:0 4px 16px rgba(242,101,34,.35);
  transition:background .2s,transform .15s;
}

.nav-cta:hover{background:var(--orange2);transform:translateY(-1px)}

.nav-hamburger{
  display:none;flex-direction:column;justify-content:center;gap:5px;
  width:40px;height:40px;padding:6px;background:none;border:none;cursor:pointer;border-radius:8px;
}

.nav-hamburger span{display:block;height:2px;background:var(--text);border-radius:2px;transition:transform .25s,opacity .25s;transform-origin:center}

.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}

.nav-hamburger.open span:nth-child(2){opacity:0}

.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-menu{
  display:none;position:fixed;top:92px;left:0;right:0;bottom:0;
  background:#fff;z-index:9990;overflow-y:auto;
  padding:16px 5vw 40px;border-top:1px solid var(--border);
  transform:translateY(-8px);opacity:0;transition:transform .25s ease,opacity .25s ease;pointer-events:none;
}

.mobile-menu.open{display:block;transform:translateY(0);opacity:1;pointer-events:auto}

.mob-item{border-bottom:1px solid var(--border)}

.mob-item > a{display:block;padding:14px 0;font-size:15px;font-weight:600;color:var(--text);transition:color .15s}

.mob-item > a:hover,.mob-item > a:active{color:var(--red)}

.mob-row{display:flex;align-items:center;justify-content:space-between;padding:4px 0}

.mob-row .mob-label{flex:1;padding:10px 0;font-size:15px;font-weight:600;color:var(--text);transition:color .15s}

.mob-row .mob-label:active{color:var(--red)}

.mob-toggle{
  display:flex;align-items:center;justify-content:center;
  width:36px;height:36px;flex-shrink:0;
  background:var(--sand);border:1px solid var(--border);border-radius:8px;cursor:pointer;
}

.mob-toggle svg{transition:transform .2s}

.mob-item.open .mob-toggle{background:rgba(153,0,0,.06);border-color:var(--red)}

.mob-item.open .mob-toggle svg{transform:rotate(180deg)}

.mob-sub{display:none;padding:4px 0 12px 16px;flex-direction:column}

.mob-item.open .mob-sub{display:flex}

.mob-sub a{
  padding:9px 0;font-size:13.5px;color:var(--muted);
  border-bottom:1px solid rgba(0,0,0,.04);border-left:2px solid transparent;
  opacity:0;transform:translateX(-8px);
  transition:color .15s,border-color .15s,padding-left .15s,opacity .15s ease,transform .15s ease;
}

.mob-item.open .mob-sub a{opacity:1;transform:translateX(0)}

.mob-item.open .mob-sub a:nth-child(1){transition-delay:.03s}

.mob-item.open .mob-sub a:nth-child(2){transition-delay:.06s}

.mob-item.open .mob-sub a:nth-child(3){transition-delay:.09s}

.mob-item.open .mob-sub a:nth-child(4){transition-delay:.12s}

.mob-item.open .mob-sub a:nth-child(5){transition-delay:.15s}

.mob-item.open .mob-sub a:nth-child(6){transition-delay:.18s}

.mob-sub a:hover,.mob-sub a:active{color:var(--red);border-left-color:var(--red);padding-left:10px}

.mob-sub .mob-all a{font-weight:700;color:var(--red)}

.mob-cta{
  display:block;margin-top:24px;text-align:center;
  background:var(--orange);color:#fff;font-family:'Sora',sans-serif;font-weight:700;font-size:15px;
  padding:15px;border-radius:50px;box-shadow:0 4px 16px rgba(242,101,34,.35);transition:background .2s;
}

.mob-cta:active{background:var(--orange2)}

/* ─── BREADCRUMB ─── */
.breadcrumb{
  background:var(--sand);border-bottom:1px solid var(--border);
  padding:12px 5vw;font-size:.82rem;color:var(--muted);
}

.breadcrumb-inner{max-width:900px;margin:0 auto}

.breadcrumb a{color:var(--muted);transition:color .15s}

.breadcrumb a:hover{color:var(--red)}

.breadcrumb span{color:var(--navy);font-weight:600}

/* ─── PAGE HERO ─── */
.page-hero{
  background:var(--navy);
  padding:72px 5vw 60px;
  position:relative;overflow:hidden;
}

.page-hero::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 50% 80% at 100% 50%,rgba(153,0,0,.18) 0%,transparent 60%);
}

.page-hero-inner{max-width:720px;position:relative;z-index:1}

.page-hero .we-label{
  font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:rgba(153,0,0,.8);font-family:'Sora',sans-serif;display:block;margin-bottom:14px;
}

.page-hero h1{
  font-size:clamp(2rem,4vw,3rem);font-weight:800;color:#fff;margin-bottom:16px;
}

.page-hero p{font-size:1.1rem;color:rgba(255,255,255,.72);margin-bottom:32px;max-width:600px}

.btn-primary{
  display:inline-block;background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:15px;
  padding:14px 34px;border-radius:50px;
  box-shadow:0 6px 24px rgba(242,101,34,.4);
  transition:background .2s,transform .15s;white-space:nowrap;
}

.btn-primary:hover{background:var(--orange2);transform:translateY(-2px)}

.btn-ghost{
  display:inline-block;background:rgba(255,255,255,.1);color:#fff;
  border:1.5px solid rgba(255,255,255,.3);
  font-family:'Sora',sans-serif;font-weight:600;font-size:15px;
  padding:14px 30px;border-radius:50px;margin-left:12px;
  transition:background .2s,border-color .2s;white-space:nowrap;
}

.btn-ghost:hover{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.6)}

/* hero stats */
.page-hero-stats{display:flex;gap:40px;margin-top:44px;flex-wrap:wrap}

.page-hero-stat strong{display:block;font-family:'Sora',sans-serif;font-size:1.7rem;font-weight:800;color:#fff}

.page-hero-stat small{font-size:13px;color:rgba(255,255,255,.5)}

/* ─── TRUST BAR ─── */
.trust-bar{
  background:#dedad4;padding:18px 5vw;
  display:flex;align-items:center;justify-content:center;
  gap:40px;flex-wrap:wrap;border-bottom:1px solid #ccc9c2;
}

.trust-item{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:500;color:#4a5568}

.trust-item svg{stroke:#990000}

/* ─── SECTIONS ─── */
section{padding:80px 5vw}

.section-inner{max-width:900px;margin:0 auto}

.section-inner-wide{max-width:1100px;margin:0 auto}

.we-label{
  font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--red);font-family:'Sora',sans-serif;display:block;margin-bottom:12px;
}

.section-title{font-size:clamp(1.8rem,3vw,2.4rem);font-weight:800;color:var(--navy);margin-bottom:16px}

.section-sub{font-size:1.05rem;color:var(--muted);max-width:600px;margin-bottom:0}

/* ─── INTRO ─── */
.intro{background:#fff}

.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}

.intro-content h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:800;color:var(--navy);margin-bottom:20px}

.intro-content p{color:var(--muted);line-height:1.75;margin-bottom:1em}

.intro-list{display:flex;flex-direction:column;gap:10px;margin-top:24px}

.intro-list li{
  display:flex;align-items:center;gap:12px;
  font-size:.95rem;color:var(--text);
}

.intro-list li::before{
  content:'';width:20px;height:20px;border-radius:50%;flex-shrink:0;
  background:rgba(153,0,0,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23990000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;
}

.intro-aside{
  background:var(--sand);border-radius:var(--radius-lg);
  padding:36px 32px;border:1.5px solid var(--border);
}

.intro-aside h3{font-size:1.1rem;font-weight:700;color:var(--navy);margin-bottom:18px}

.sa-risk-list{display:flex;flex-direction:column;gap:12px}

.sa-risk-list li{
  display:flex;align-items:flex-start;gap:12px;
  font-size:.9rem;color:var(--text);padding:12px;
  background:#fff;border-radius:var(--radius);border:1px solid var(--border);
}

.sa-risk-list li svg{flex-shrink:0;margin-top:2px}

/* ─── PRICING ─── */
.pricing{background:var(--sand)}

.pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}

.price-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);
  overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;
}

.price-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.price-card.popular{border-color:var(--red)}

.price-card-head{background:var(--navy);padding:24px 28px}

.price-card.popular .price-card-head{background:var(--red)}

.price-card-head h3{font-size:1.1rem;font-weight:700;color:#fff;margin-bottom:4px}

.price-card-head p{font-size:.82rem;color:rgba(255,255,255,.6);margin-bottom:0}

.popular-tag{
  display:inline-block;background:var(--orange);color:#fff;
  font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  padding:3px 10px;border-radius:50px;margin-bottom:8px;
}

.price-card-body{padding:28px}

.price-amount{display:flex;align-items:baseline;gap:4px;margin-bottom:6px}

.price-amount strong{font-family:'Sora',sans-serif;font-size:2.2rem;font-weight:800;color:var(--navy)}

.price-amount span{font-size:.85rem;color:var(--muted)}

.price-term{font-size:.82rem;color:var(--muted);margin-bottom:20px}

.price-note{font-size:.8rem;color:var(--muted);font-style:italic;margin-bottom:20px}

.price-card a{
  display:block;text-align:center;
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:13px;
  padding:12px;border-radius:50px;
  box-shadow:0 4px 12px rgba(242,101,34,.3);
  transition:background .2s,transform .15s;
}

.price-card a:hover{background:var(--orange2);transform:translateY(-1px)}

.price-disclaimer{
  text-align:center;margin-top:20px;
  font-size:.82rem;color:var(--muted);font-style:italic;
}

/* ─── ADVANTAGES ─── */
.advantages{background:#fff}

.adv-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin-top:48px}

.adv-card{
  border:1.5px solid var(--border);border-radius:var(--radius-lg);
  padding:32px 28px;background:#fff;
  transition:transform .2s,box-shadow .2s,border-color .2s;
}

.adv-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.adv-icon{
  width:48px;height:48px;border-radius:12px;background:rgba(153,0,0,.08);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}

.adv-card h4{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:8px}

.adv-card p{font-size:.875rem;color:var(--muted);line-height:1.6;margin-bottom:0}

/* ─── TABLE ─── */
.coverage{background:var(--sand)}

.coverage-table{
  width:100%;border-collapse:collapse;margin-top:48px;
  border-radius:var(--radius-lg);overflow:hidden;
  box-shadow:var(--shadow);
}

.coverage-table thead{background:var(--navy)}

.coverage-table thead th{
  padding:16px 20px;text-align:left;
  font-family:'Sora',sans-serif;font-size:.78rem;font-weight:700;
  letter-spacing:.08em;text-transform:uppercase;color:#fff;border:none;
}

.coverage-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}

.coverage-table tbody tr:last-child{border-bottom:none}

.coverage-table tbody tr:hover{background:rgba(255,255,255,.8)}

.coverage-table tbody td{padding:14px 20px;font-size:.9rem;color:var(--text);border:none;background:#fff}

.coverage-table tbody tr:nth-child(even) td{background:rgba(245,243,239,.6)}

.coverage-table tbody tr:nth-child(even):hover td{background:rgba(245,243,239,1)}

.coverage-table tbody td:first-child{font-weight:700;color:var(--navy)}

.coverage-table tbody td:last-child{color:var(--muted);font-size:.85rem}

/* ─── TIMING ─── */
.timing{background:#fff}

.timing-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}

.timing-points{display:flex;flex-direction:column;gap:16px;margin-top:28px}

.timing-point{
  display:flex;align-items:flex-start;gap:16px;
  padding:20px;background:var(--sand);border-radius:var(--radius);
  border-left:4px solid var(--red);
}

.timing-point-num{
  font-family:'Sora',sans-serif;font-size:1.4rem;font-weight:800;color:var(--red);
  line-height:1;flex-shrink:0;margin-top:2px;
}

.timing-point h4{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:4px}

.timing-point p{font-size:.875rem;color:var(--muted);margin-bottom:0}

.timing-visual{
  background:var(--navy);border-radius:var(--radius-lg);
  min-height:360px;display:flex;flex-direction:column;
  align-items:center;justify-content:center;padding:48px;
  position:relative;overflow:hidden;text-align:center;
}

.timing-visual::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 70% 70% at 50% 0%,rgba(153,0,0,.2) 0%,transparent 60%);
}

.timing-visual-inner{position:relative;z-index:1}

.timing-visual strong{
  font-family:'Sora',sans-serif;font-size:3rem;font-weight:800;color:#fff;display:block;margin-bottom:8px;
}

.timing-visual p{color:rgba(255,255,255,.65);font-size:.95rem;margin-bottom:24px}

/* ─── MAKE/MODEL CARDS ─── */
.models{background:var(--sand)}

.models-grid{
  display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));
  gap:20px;margin-top:48px;
}

.model-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);
  overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;
}

.model-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.model-card-img{
  height:180px;background:var(--navy);overflow:hidden;
  display:flex;align-items:center;justify-content:center;
}

.model-card-img img{width:100%;height:100%;object-fit:cover;filter:brightness(.85)}

.model-card-body{padding:22px 24px}

.model-card-body h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:8px}

.model-card-body p{font-size:.85rem;color:var(--muted);margin-bottom:16px;line-height:1.5}

.model-card-link{
  font-family:'Sora',sans-serif;font-size:13px;font-weight:700;color:var(--red);
  display:inline-flex;align-items:center;gap:5px;transition:gap .2s;
}

.model-card-link:hover{gap:9px}

/* ─── QUOTE FORM ─── */
.quote-form-section{
  background:var(--navy);padding:80px 5vw;
  position:relative;overflow:hidden;
}

.quote-form-section::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 50% 120% at 100% 50%,rgba(153,0,0,.2) 0%,transparent 60%);
}

.quote-form-inner{
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;
  position:relative;z-index:1;max-width:1100px;margin:0 auto;
}

.quote-words h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:800;color:#fff;margin-bottom:12px}

.quote-words p{color:rgba(255,255,255,.65);font-size:1rem;margin-bottom:0}

.quote-words .cheryl{
  margin-top:28px;display:flex;align-items:center;gap:14px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);padding:16px 20px;
}

.quote-words .cheryl svg{flex-shrink:0}

.quote-words .cheryl p{font-size:.875rem;color:rgba(255,255,255,.7);margin-bottom:0}

.quote-words .cheryl strong{color:#fff}

.quote-form{display:flex;flex-direction:column;gap:14px}

.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}

.form-group{display:flex;flex-direction:column;gap:6px}

.form-group label{font-size:.82rem;font-weight:600;color:rgba(255,255,255,.7)}

.form-group input{
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.2);
  border-radius:10px;color:#fff;font-family:'DM Sans',sans-serif;font-size:14px;
  padding:13px 16px;outline:none;transition:border-color .2s,background .2s;
}

.form-group input::placeholder{color:rgba(255,255,255,.35)}

.form-group input:focus{border-color:var(--red);background:rgba(255,255,255,.15)}

.btn-submit{
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:15px;
  padding:15px 36px;border-radius:50px;border:none;cursor:pointer;
  box-shadow:0 6px 24px rgba(242,101,34,.45);
  transition:background .2s,transform .15s;align-self:flex-start;
  margin-top:4px;
}

.btn-submit:hover{background:var(--orange2);transform:translateY(-1px)}

.form-privacy{font-size:.78rem;color:rgba(255,255,255,.35);margin-top:8px;line-height:1.5}

/* ─── FOOTER ─── */
footer{background:#080f18;color:rgba(255,255,255,.55);padding:64px 5vw 32px}

.ft-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}

.ft-logo{height:36px;margin-bottom:18px;filter:brightness(0) invert(1);opacity:.7}

.ft-tag{font-size:.875rem;line-height:1.6;max-width:240px}

.ft-col h5{
  font-family:'Sora',sans-serif;font-size:.875rem;font-weight:700;
  color:rgba(255,255,255,.85);margin-bottom:18px;letter-spacing:.03em;
}

.ft-col ul{display:flex;flex-direction:column;gap:10px}

.ft-col a{color:rgba(255,255,255,.45);font-size:.875rem;transition:color .2s}

.ft-col a:hover{color:var(--red2)}

.ft-bottom{
  border-top:1px solid rgba(255,255,255,.08);padding-top:28px;
  display:flex;justify-content:space-between;align-items:flex-start;
  flex-wrap:wrap;gap:16px;font-size:.8rem;
}

.ft-legal{max-width:680px;line-height:1.7}

/* ─── RESPONSIVE ─── */


@media(max-width:960px){
  .about-pillars{grid-template-columns:1fr}
  .intro-grid,.timing-grid,.quote-form-inner{grid-template-columns:1fr}
  .timing-visual{min-height:220px}
  .pricing-grid{grid-template-columns:1fr}
  .ft-grid{grid-template-columns:1fr 1fr}
  .nav-list,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .mobile-menu{display:block}
}

@media(max-width:600px){
  section{padding:56px 5vw}
  .form-row{grid-template-columns:1fr}
  .ft-grid{grid-template-columns:1fr}
  .page-hero-stats{gap:20px}
  .adv-grid{grid-template-columns:1fr}
  .models-grid{grid-template-columns:1fr}

  /* stack table on mobile */
  .coverage-table thead{display:none}
  .coverage-table,.coverage-table tbody,.coverage-table tr,.coverage-table td{display:block;width:100%}
  .coverage-table tbody tr{margin-bottom:12px;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
  .coverage-table tbody td{border-bottom:1px solid var(--border);padding:10px 14px}
  .coverage-table tbody td:first-child{background:var(--navy);color:#fff;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase}
}

/* ─── NAV ─── */
.nav{
  position:sticky;top:0;z-index:9999;
  background:rgba(255,255,255,.96);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
  height:92px;padding:0 5vw;
  display:flex;align-items:center;justify-content:space-between;
}

/* top-level link — animated underline on hover */
.nav-list > li > a{
  display:flex;align-items:center;gap:5px;
  padding:8px 12px;font-size:14px;font-weight:500;color:var(--text);
  border-radius:8px;white-space:nowrap;
  position:relative;
  transition:color .2s,background .2s;
}

/* dropdown panel */
.nav-list > li.has-sub > .dropdown{
  position:absolute;top:100%;left:0;min-width:260px;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:14px 0 6px;
  opacity:0;visibility:hidden;pointer-events:none;
  transform:translateY(8px) scale(.98);
  transform-origin:top left;
  transition:opacity .2s ease,visibility .2s ease,transform .2s ease;
  z-index:9998;
}

/* dropdown items — staggered fade+slide in */
.dropdown > li{
  opacity:0;transform:translateX(-6px);
  transition:opacity .15s ease,transform .15s ease;
}

/* dropdown link — left border accent on hover */
.dropdown > li > a{
  display:block;padding:9px 18px;
  font-size:13.5px;font-weight:400;color:var(--text);
  white-space:nowrap;
  border-left:2px solid transparent;
  transition:background .15s,color .15s,border-color .15s,padding-left .15s;
}

.dropdown > li.all > a:hover{border-left-color:var(--red);padding-left:22px}

/* ─── HERO ─── */
.hero{
  background:var(--navy);min-height:88vh;
  display:grid;grid-template-columns:1fr 1fr;align-items:center;
  padding:80px 5vw 60px;position:relative;overflow:hidden;
}

.hero::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(ellipse 60% 70% at 85% 40%,rgba(153,0,0,.18) 0%,transparent 70%),
    radial-gradient(ellipse 40% 50% at 10% 80%,rgba(242,101,34,.12) 0%,transparent 60%);
}

.hero-img{
  position:relative;height:100%;min-height:500px;overflow:hidden;
  margin:-80px -5vw -60px -40px;
}

.hero-img::before{
  content:'';position:absolute;inset:0;z-index:1;
  background:linear-gradient(to right,var(--navy) 0%,transparent 45%),
             linear-gradient(to top,var(--navy) 0%,transparent 15%);
}

.hero-img img{
  width:100%;height:100%;object-fit:cover;object-position:left center;
  filter:brightness(.9) saturate(.95);
}

.hero-content{position:relative;z-index:2;max-width:580px;padding-right:32px}

.hero h1{font-size:clamp(2.2rem,4vw,3.4rem);font-weight:800;color:#fff;margin-bottom:16px}

.hero h1 em{font-style:normal;color:#cc0000;text-shadow:0 0 20px rgba(180,0,0,.25),0 2px 6px rgba(0,0,0,.4)}

.hero-strapline{
  font-family:'DM Sans',sans-serif;font-size:1.1rem;font-weight:300;font-style:italic;
  color:rgba(255,255,255,.5);margin-bottom:20px;
}

.hero p{font-size:1.05rem;color:rgba(255,255,255,.72);max-width:480px;margin-bottom:40px}

.hero-actions{display:flex;gap:16px;flex-wrap:wrap}

.hero-stats{display:flex;gap:40px;margin-top:52px}

.hero-stat strong{display:block;font-family:'Sora',sans-serif;font-size:1.9rem;font-weight:800;color:#fff}

.hero-stat small{font-size:13px;color:rgba(255,255,255,.5)}

.label{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:14px}

.title{font-size:clamp(1.8rem,3vw,2.6rem);font-weight:800;color:var(--navy);margin-bottom:16px}

.sub{font-size:1.05rem;color:var(--muted);max-width:540px}

/* ─── PRODUCTS ─── */
.products{background:#fff}

.products-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:52px}

.card{
  border:1.5px solid var(--border);border-radius:var(--radius-lg);
  padding:36px 32px;background:#fff;position:relative;
  transition:transform .25s,box-shadow .25s,border-color .25s;
}

.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.card.featured{background:var(--navy);border-color:var(--navy)}

.card.featured h3{color:#fff}

.card.featured .card-desc{color:rgba(255,255,255,.65)}

.card.featured .price strong{color:#fff}

.card.featured .price span{color:rgba(255,255,255,.45)}

.card.featured .features li{color:rgba(255,255,255,.65)}

.card.featured .card-link{color:var(--red2)}

.card.featured .icon{background:rgba(153,0,0,.2)}

.card.featured .tick{background:rgba(153,0,0,.25)}

/* Service plan card: light grey, dark text overrides */
.card.light.featured{background:#f0f0f0;border-color:#d0d0d0}

.card.light.featured h3,
.card.light.featured .price strong{color:var(--navy)}

.card.light.featured .card-desc{color:#444}

.card.light.featured .price span{color:#666}

.card.light.featured .features li{color:#333}

.card.light.featured .card-link{color:var(--red)}

.card.light.featured .icon{background:#e0e0e0}

.card.light.featured .tick{background:rgba(153,0,0,.1)}

.badge-pop{
  position:absolute;top:24px;right:24px;
  background:var(--red);color:#fff;
  font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  padding:5px 12px;border-radius:50px;
}

.icon{
  width:52px;height:52px;border-radius:14px;background:var(--sand);
  display:flex;align-items:center;justify-content:center;margin-bottom:22px;
}

.card h3{font-size:1.25rem;font-weight:700;color:var(--navy);margin-bottom:10px}

.card-desc{font-size:.9rem;color:var(--muted);margin-bottom:24px}

.price{margin-bottom:24px}

.price strong{font-family:'Sora',sans-serif;font-size:1.8rem;font-weight:800;color:var(--navy)}

.price span{font-size:.85rem;color:var(--muted)}

.features{margin-bottom:28px;display:flex;flex-direction:column;gap:9px}

.features li{display:flex;align-items:center;gap:10px;font-size:.88rem}

.tick{
  width:20px;height:20px;border-radius:50%;background:rgba(153,0,0,.12);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}

.card-link{
  font-family:'Sora',sans-serif;font-size:14px;font-weight:700;color:var(--red);
  display:inline-flex;align-items:center;gap:6px;transition:gap .2s;
}

.card-link:hover{gap:10px}

/* ─── HOW ─── */
.how{background:var(--sand)}

.how-head{text-align:center}

.how-head .sub{margin:0 auto}

.steps{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:0;margin-top:56px;position:relative;
}

.steps::before{
  content:'';position:absolute;
  top:32px;left:12.5%;right:12.5%;
  height:2px;background:var(--border);z-index:0;
}

.step{text-align:center;padding:0 24px;position:relative;z-index:1}

.step-n{
  width:64px;height:64px;border-radius:50%;
  background:#fff;border:2px solid var(--border);
  font-family:'Sora',sans-serif;font-size:1.2rem;font-weight:800;color:var(--navy);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;box-shadow:var(--shadow);
  transition:background .25s,border-color .25s,color .25s;
}

.step:hover .step-n{background:var(--red);border-color:var(--red);color:#fff}

.step h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:8px}

.step p{font-size:.875rem;color:var(--muted)}

/* ─── WHY ─── */
.why{background:#fff}

.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}

.why-visual{
  background:var(--navy);border-radius:var(--radius-lg);
  min-height:420px;display:flex;align-items:center;
  position:relative;overflow:hidden;padding:48px;
}

.why-visual::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 70% 70% at 80% 20%,rgba(153,0,0,.25) 0%,transparent 60%);
}

.why-inner{position:relative;z-index:1}

.why-q{font-size:1.25rem;font-style:italic;color:rgba(255,255,255,.85);line-height:1.5;margin-bottom:20px}

.why-attr{font-size:.85rem;color:rgba(255,255,255,.4)}

.pillars{margin-top:36px;display:flex;flex-direction:column;gap:28px}

.pillar{display:flex;gap:20px;align-items:flex-start}

.pillar-icon{
  width:44px;height:44px;border-radius:12px;background:var(--sand);flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
}

.pillar h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:4px}

.pillar p{font-size:.875rem;color:var(--muted)}

/* ─── MAKES BAR ─── */
.makes-bar{
  background:var(--sand);border-top:1px solid var(--border);border-bottom:1px solid var(--border);
  padding:18px 5vw;font-size:.9rem;color:var(--muted);line-height:1.6;
}

.makes-label{font-weight:700;color:var(--navy);margin-right:10px}

/* ─── QUOTE CTA ─── */
.cta-band{
  background:var(--navy);padding:80px 5vw;
  display:flex;align-items:center;justify-content:space-between;
  gap:40px;flex-wrap:wrap;position:relative;overflow:hidden;
}

.cta-band::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 50% 120% at 100% 50%,rgba(153,0,0,.2) 0%,transparent 60%);
}

.cta-words{position:relative;z-index:1}

.cta-words h2{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:800;color:#fff;margin-bottom:10px}

.cta-words p{font-size:1rem;color:rgba(255,255,255,.65);max-width:460px}

.cta-form{position:relative;z-index:1;display:flex;flex-direction:column;gap:12px}

.cta-row{display:flex;gap:12px;flex-wrap:wrap}

.cta-form input{
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.2);
  border-radius:10px;color:#fff;
  font-family:'DM Sans',sans-serif;font-size:14px;
  padding:14px 18px;outline:none;
  transition:border-color .2s,background .2s;
  min-width:180px;flex:1;
}

.cta-form input::placeholder{color:rgba(255,255,255,.4)}

.cta-form input:focus{border-color:var(--red);background:rgba(255,255,255,.15)}

/* ─── FAQ ─── */
.faq{background:var(--sand);padding-top:72px;padding-bottom:72px}

.faq-list{margin-top:36px;display:flex;flex-direction:column}

.faq-row{
  display:flex;align-items:center;gap:16px;
  padding:16px 0;border-bottom:1px solid var(--border);
  color:var(--text);transition:color .15s;
}

.faq-list .faq-row:first-child{border-top:1px solid var(--border)}

.faq-row:hover{color:var(--red)}

.faq-row svg{flex-shrink:0;opacity:.5;transition:opacity .15s}

.faq-row:hover svg{opacity:1}

.faq-row-text{flex:1}

.faq-row-text h4{font-size:.95rem;font-weight:600;color:inherit;margin-bottom:2px;line-height:1.3}

.faq-row-text p{font-size:.82rem;color:var(--muted);line-height:1.4}

.faq-row-arrow{font-size:1rem;color:var(--red);font-weight:700;flex-shrink:0;transition:transform .15s}

.faq-row:hover .faq-row-arrow{transform:translateX(4px)}

/* ─── MOBILE NAV ─── */
.nav-hamburger{
  display:none;flex-direction:column;justify-content:center;gap:5px;
  width:40px;height:40px;padding:6px;
  background:none;border:none;cursor:pointer;
  border-radius:8px;transition:background .2s;
}

.nav-hamburger:hover{background:var(--sand)}

.mob-item > a:hover{color:var(--red)}

.mob-item > a:active{color:var(--red);border-left-color:var(--red);padding-left:10px}

.mob-row .mob-label:hover{color:var(--red)}

/* submenu links — staggered slide in when panel opens */
.mob-sub a{
  padding:9px 0;font-size:13.5px;color:var(--muted);
  border-bottom:1px solid rgba(0,0,0,.04);
  border-left:2px solid transparent;
  display:block;
  opacity:0;transform:translateX(-8px);
  transition:color .15s,border-color .15s,padding-left .15s,opacity .15s ease,transform .15s ease;
}

.mob-item.open .mob-sub a:nth-child(7){transition-delay:.21s}

.mob-item.open .mob-sub a:nth-child(8){transition-delay:.24s}

.mob-item.open .mob-sub a:nth-child(9){transition-delay:.27s}

.mob-item.open .mob-sub a:nth-child(10){transition-delay:.30s}

.mob-item.open .mob-sub a:nth-child(11){transition-delay:.33s}

.mob-item.open .mob-sub a:nth-child(12){transition-delay:.36s}

.mob-sub a:hover{color:var(--red);border-left-color:var(--red);padding-left:10px}

.mob-sub a:active{color:var(--red);border-left-color:var(--red);padding-left:10px}

.mob-toggle:hover{background:rgba(153,0,0,.06);border-color:var(--red)}

.intro-aside p{font-size:.875rem;color:var(--muted);margin-bottom:20px}

.aside-cta{
  display:block;text-align:center;
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:14px;
  padding:13px 24px;border-radius:50px;margin-bottom:12px;
  box-shadow:0 4px 16px rgba(242,101,34,.35);
  transition:background .2s,transform .15s;
}

.aside-cta:hover{background:var(--orange2);transform:translateY(-1px)}

.aside-cta.ghost{
  background:transparent;color:var(--navy);
  border:1.5px solid var(--border);
  box-shadow:none;
}

.aside-cta.ghost:hover{background:var(--white);border-color:var(--navy)}

.aside-note{font-size:.78rem;color:var(--muted);text-align:center;margin-top:12px;line-height:1.5}

/* ─── PLAN COMPARISON ─── */
.plans{background:var(--sand)}

.plans-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:48px}

.plan-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);
  overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;
}

.plan-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.plan-card.featured{border-color:var(--navy)}

.plan-head{background:var(--navy);padding:28px 32px}

.plan-card.featured .plan-head{background:var(--red)}

.plan-badge{
  display:inline-block;background:var(--orange);color:#fff;
  font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  padding:3px 10px;border-radius:50px;margin-bottom:10px;
}

.plan-head h3{font-size:1.3rem;font-weight:800;color:#fff;margin-bottom:6px}

.plan-head p{font-size:.875rem;color:rgba(255,255,255,.6);margin-bottom:0}

.plan-body{padding:28px 32px}

.plan-price{display:flex;align-items:baseline;gap:5px;margin-bottom:4px}

.plan-price strong{font-family:'Sora',sans-serif;font-size:2.4rem;font-weight:800;color:var(--navy)}

.plan-price span{font-size:.9rem;color:var(--muted)}

.plan-term{font-size:.82rem;color:var(--muted);margin-bottom:24px}

.plan-features{display:flex;flex-direction:column;gap:10px;margin-bottom:28px}

.plan-features li{
  display:flex;align-items:flex-start;gap:10px;font-size:.9rem;color:var(--text);
}

.plan-features li .tick{
  width:20px;height:20px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(153,0,0,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23990000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;
}

.plan-features li .cross{
  width:20px;height:20px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(0,0,0,.06);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236b7f94' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'/%3E%3Cline x1='6' y1='6' x2='18' y2='18'/%3E%3C/svg%3E");
  background-size:10px;background-repeat:no-repeat;background-position:center;
}

.plan-features li span.label{flex:1;line-height:1.4}

.plan-divider{height:1px;background:var(--border);margin:20px 0}

.plan-cta{
  display:block;text-align:center;
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:14px;
  padding:14px;border-radius:50px;
  box-shadow:0 4px 16px rgba(242,101,34,.3);
  transition:background .2s,transform .15s;
}

.plan-cta:hover{background:var(--orange2);transform:translateY(-1px)}

/* best for label */
.plan-best{
  font-size:.78rem;font-weight:600;color:var(--muted);
  text-align:center;margin-top:14px;
}

.plan-best span{color:var(--navy)}

/* ─── COMPARISON TABLE ─── */
.compare{background:#fff}

.compare-table{
  width:100%;border-collapse:collapse;margin-top:48px;
  border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);
}

.compare-table thead{background:var(--navy)}

.compare-table thead th{
  padding:16px 20px;text-align:left;
  font-family:'Sora',sans-serif;font-size:.78rem;font-weight:700;
  letter-spacing:.08em;text-transform:uppercase;color:#fff;border:none;
}

.compare-table thead th:not(:first-child){text-align:center}

.compare-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}

.compare-table tbody tr:last-child{border-bottom:none}

.compare-table tbody tr:hover{background:var(--sand)}

.compare-table tbody td{padding:14px 20px;font-size:.9rem;border:none;background:#fff}

.compare-table tbody tr:nth-child(even) td{background:rgba(245,243,239,.5)}

.compare-table tbody tr:hover td{background:var(--sand)}

.compare-table tbody td:first-child{font-weight:600;color:var(--navy)}

.compare-table tbody td:not(:first-child){text-align:center}

.compare-table .yes{color:var(--red);font-weight:700;font-size:1.1rem}

.compare-table .no{color:var(--muted);font-size:1.1rem}

.compare-table .val{font-weight:600;color:var(--navy)}

/* ─── WHAT IS COVERED ─── */
.covered{background:var(--sand)}

.covered-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin-top:48px}

.covered-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius);
  padding:24px 22px;
  transition:transform .2s,box-shadow .2s,border-color .2s;
}

.covered-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--red)}

.covered-card-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}

.covered-icon{
  width:40px;height:40px;border-radius:10px;background:rgba(153,0,0,.08);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}

.covered-card h4{font-size:.95rem;font-weight:700;color:var(--navy)}

.covered-card p{font-size:.85rem;color:var(--muted);line-height:1.6;margin-bottom:0}

/* ─── HOW IT WORKS ─── */
.how{background:#fff}

.how-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:52px;position:relative}

.how-steps::before{
  content:'';position:absolute;top:32px;left:12.5%;right:12.5%;
  height:2px;background:var(--border);z-index:0;
}

.how-step{text-align:center;padding:0 20px;position:relative;z-index:1}

.how-num{
  width:64px;height:64px;border-radius:50%;
  background:#fff;border:2px solid var(--border);
  font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:var(--navy);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 18px;box-shadow:var(--shadow);
  transition:background .25s,border-color .25s,color .25s;
}

.how-step:hover .how-num{background:var(--red);border-color:var(--red);color:#fff}

.how-step h4{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:6px}

.how-step p{font-size:.85rem;color:var(--muted)}

.cheryl-box{
  margin-top:28px;display:flex;align-items:center;gap:14px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);padding:16px 20px;
}

.cheryl-box p{font-size:.875rem;color:rgba(255,255,255,.7);margin-bottom:0}

.cheryl-box strong{color:#fff}

/* ─── PAGE LAYOUT ─── */
.page-wrap{
  max-width:1200px;margin:0 auto;padding:60px 5vw 80px;
  display:grid;grid-template-columns:1fr 340px;gap:60px;align-items:start;
}

/* ─── MAIN CONTENT ─── */
.we-label{
  font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--red);font-family:'Sora',sans-serif;display:block;margin-bottom:12px;
}

.page-content h1{font-size:clamp(1.8rem,3vw,2.6rem);font-weight:800;color:var(--navy);margin-bottom:12px}

.page-content h2{
  font-size:clamp(1.3rem,2.2vw,1.7rem);font-weight:700;color:var(--navy);
  margin:2em 0 .7em;padding-bottom:.5em;border-bottom:2px solid var(--border);
}

.page-content h2:first-of-type{margin-top:1em}

.page-content h3{font-size:1.1rem;font-weight:700;color:var(--navy);margin:1.6em 0 .6em}

.page-content p{color:#3a4a5c;line-height:1.8}

/* vehicle image */
.vehicle-img{
  width:100%;border-radius:var(--radius-lg);overflow:hidden;
  margin:28px 0;border:1.5px solid var(--border);background:var(--sand);
}

.vehicle-img img{width:100%;height:auto;display:block}

/* model variants */
.model-variants{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 28px}

.model-chip{
  background:var(--sand);border:1.5px solid var(--border);
  border-radius:50px;padding:6px 16px;
  font-size:.82rem;font-weight:600;color:var(--navy);
  transition:border-color .15s,background .15s;
}

.model-chip:hover{border-color:var(--red);background:#fff}

/* what's included list */
.included-list{
  background:var(--sand);border-radius:var(--radius-lg);
  border:1.5px solid var(--border);padding:28px 32px;margin:24px 0;
}

.included-list h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:16px}

.included-list ul{display:flex;flex-direction:column;gap:10px}

.included-list li{
  display:flex;align-items:flex-start;gap:12px;font-size:.9rem;color:var(--text);
}

.included-list li::before{
  content:'';width:20px;height:20px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(153,0,0,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23990000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;
}

/* coverage grid */
.coverage-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:24px 0}

.coverage-item{
  border:1.5px solid var(--border);border-radius:var(--radius);padding:16px 18px;
  transition:border-color .15s,transform .15s;
}

.coverage-item:hover{border-color:var(--red);transform:translateY(-2px)}

.coverage-item h4{font-size:.875rem;font-weight:700;color:var(--navy);margin-bottom:4px}

.coverage-item p{font-size:.82rem;color:var(--muted);margin-bottom:0;line-height:1.5}

/* eligibility */
.eligibility{
  background:var(--navy);border-radius:var(--radius-lg);padding:28px 32px;margin:24px 0;
}

.eligibility h3{font-size:1rem;font-weight:700;color:#fff;margin-bottom:16px}

.eligibility ul{display:flex;flex-direction:column;gap:10px}

.eligibility li{
  display:flex;align-items:center;gap:12px;font-size:.9rem;color:rgba(255,255,255,.75);
}

.eligibility li::before{
  content:'';width:18px;height:18px;border-radius:50%;flex-shrink:0;
  background:rgba(153,0,0,.25);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23cc0000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:11px;background-repeat:no-repeat;background-position:center;
}

/* pricing tiers */
.price-tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0}

.price-tier{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius);
  padding:20px 18px;text-align:center;
  transition:border-color .2s,transform .2s,box-shadow .2s;
}

.price-tier:hover{border-color:var(--red);transform:translateY(-3px);box-shadow:var(--shadow)}

.price-tier.featured{border-color:var(--red);background:var(--sand)}

.price-tier h4{font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:8px;text-transform:uppercase;letter-spacing:.06em}

.price-tier strong{display:block;font-family:'Sora',sans-serif;font-size:1.7rem;font-weight:800;color:var(--navy);margin-bottom:4px}

.price-tier span{font-size:.78rem;color:var(--muted)}

/* related */
.related{margin-top:48px;padding-top:32px;border-top:2px solid var(--border)}

.related h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:16px}

.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}

.related-link{
  display:flex;align-items:center;gap:8px;
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:12px 16px;font-size:.85rem;font-weight:600;color:var(--navy);
  transition:border-color .15s,color .15s,transform .15s;
}

.related-link:hover{border-color:var(--red);color:var(--red);transform:translateX(3px)}

.related-link svg{flex-shrink:0;opacity:.5}

/* ─── SIDEBAR ─── */
.sidebar{position:sticky;top:108px;display:flex;flex-direction:column;gap:20px}

.sidebar-quote{
  background:var(--navy);border-radius:var(--radius-lg);
  padding:28px 24px;overflow:hidden;position:relative;
}

.sidebar-quote::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 80% 60% at 100% 0%,rgba(153,0,0,.25) 0%,transparent 60%);
  pointer-events:none;
}

.sidebar-quote-inner{position:relative;z-index:1}

.sidebar-quote h3{font-size:1.1rem;font-weight:800;color:#fff;margin-bottom:8px}

.sidebar-quote p{font-size:.85rem;color:rgba(255,255,255,.65);margin-bottom:20px}

.sq-form{display:flex;flex-direction:column;gap:10px}

.sq-input{
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.2);
  border-radius:10px;color:#fff;font-family:'DM Sans',sans-serif;font-size:14px;
  padding:12px 14px;outline:none;width:100%;transition:border-color .2s,background .2s;
}

.sq-input::placeholder{color:rgba(255,255,255,.35)}

.sq-input:focus{border-color:var(--red);background:rgba(255,255,255,.15)}

.sq-submit{
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:14px;
  padding:13px;border-radius:50px;border:none;cursor:pointer;width:100%;
  box-shadow:0 4px 16px rgba(242,101,34,.4);transition:background .2s,transform .15s;
}

.sq-submit:hover{background:var(--orange2);transform:translateY(-1px)}

.sq-privacy{font-size:.72rem;color:rgba(255,255,255,.35);text-align:center;margin-top:6px;line-height:1.5}

.sq-cheryl{
  display:flex;align-items:center;gap:10px;margin-top:16px;
  padding:12px 14px;background:rgba(255,255,255,.07);border-radius:10px;
  border:1px solid rgba(255,255,255,.1);
}

.sq-cheryl p{font-size:.78rem;color:rgba(255,255,255,.6);margin-bottom:0;line-height:1.4}

.sq-cheryl strong{color:#fff}

.sidebar-facts{
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px;
}

.sidebar-facts h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:16px}

.facts-list{display:flex;flex-direction:column;gap:12px}

.fact{display:flex;align-items:flex-start;gap:12px}

.fact-icon{
  width:36px;height:36px;border-radius:10px;background:#fff;border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}

.fact strong{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:2px}

.fact span{font-size:.78rem;color:var(--muted)}

.sidebar-also{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px;
}

.sidebar-also h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:14px}

.also-link{
  display:flex;align-items:center;justify-content:space-between;
  padding:10px 0;border-bottom:1px solid var(--border);
  font-size:.875rem;font-weight:500;color:var(--text);transition:color .15s;
}

.also-link:last-child{border-bottom:none;padding-bottom:0}

.also-link:hover{color:var(--red)}

.also-link span{color:var(--muted);font-size:.8rem}

/* ─── QUOTE BAND ─── */
.quote-band{
  background:var(--navy);padding:72px 5vw;position:relative;overflow:hidden;
}

.quote-band::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 50% 120% at 100% 50%,rgba(153,0,0,.2) 0%,transparent 60%);
}

.quote-band-inner{
  max-width:1200px;margin:0 auto;
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;
  position:relative;z-index:1;
}

.quote-band h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:800;color:#fff;margin-bottom:10px}

.quote-band-inner > div:first-child > p{color:rgba(255,255,255,.65)}

.qb-form{display:flex;flex-direction:column;gap:12px}

.qb-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}

.qb-group{display:flex;flex-direction:column;gap:5px}

.qb-group label{font-size:.78rem;font-weight:600;color:rgba(255,255,255,.65)}

.qb-input{
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.2);
  border-radius:10px;color:#fff;font-family:'DM Sans',sans-serif;font-size:14px;
  padding:12px 14px;outline:none;transition:border-color .2s;
}

.qb-input::placeholder{color:rgba(255,255,255,.35)}

.qb-input:focus{border-color:var(--red)}

.qb-submit{
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:15px;
  padding:14px 36px;border-radius:50px;border:none;cursor:pointer;
  box-shadow:0 6px 24px rgba(242,101,34,.45);
  transition:background .2s,transform .15s;align-self:flex-start;
}

.qb-submit:hover{background:var(--orange2);transform:translateY(-1px)}

.qb-privacy{font-size:.76rem;color:rgba(255,255,255,.3);margin-top:6px;line-height:1.5}

/* ─── RESPONSIVE ─── */
@media(max-width:1024px){
  .page-wrap{grid-template-columns:1fr;gap:40px}
  .sidebar{position:static}
  .sidebar-quote{display:none}
  .quote-band-inner{grid-template-columns:1fr}
  .price-tiers{grid-template-columns:1fr}
  .ft-grid{grid-template-columns:1fr 1fr}
  .nav-list,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .mobile-menu{display:block}
}

/* model variants chips */
.model-variants{
  display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 28px;
}

/* risk list */
.risk-list{
  background:var(--sand);border-radius:var(--radius-lg);
  border:1.5px solid var(--border);padding:28px 32px;
  margin:24px 0;
}

.risk-list h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:16px}

.risk-list ul{display:flex;flex-direction:column;gap:10px}

.risk-list li{
  display:flex;align-items:flex-start;gap:12px;
  font-size:.9rem;color:var(--text);
}

.risk-list li::before{
  content:'';width:20px;height:20px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(153,0,0,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23990000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;
}

/* eligibility box */
.eligibility{
  background:var(--navy);border-radius:var(--radius-lg);
  padding:28px 32px;margin:24px 0;
}

/* related links */
.related{margin-top:48px;padding-top:32px;border-top:2px solid var(--border)}

.quote-band > .quote-band-inner > div:first-child p{color:rgba(255,255,255,.65);margin-bottom:0}

/* ─── ARTICLE CONTENT ─── */
.we-label{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);font-family:'Sora',sans-serif;display:block;margin-bottom:12px}

.article h1{font-size:clamp(1.8rem,3vw,2.4rem);font-weight:800;color:var(--navy);margin-bottom:8px}

.article-meta{font-size:.82rem;color:var(--muted);margin-bottom:32px;display:flex;align-items:center;gap:16px}

.article-meta span{display:flex;align-items:center;gap:5px}

.article h2{
  font-size:clamp(1.2rem,2vw,1.5rem);font-weight:700;color:var(--navy);
  margin:2em 0 .7em;padding-bottom:.5em;border-bottom:2px solid var(--border);
}

.article h2:first-of-type{margin-top:1.2em}

.article h3{font-size:1.05rem;font-weight:700;color:var(--navy);margin:1.5em 0 .5em}

.article p{color:#3a4a5c;line-height:1.85}

.article a{color:var(--red);font-weight:500;transition:color .15s}

.article a:hover{color:var(--red2)}

/* scenario comparison boxes */
.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:28px 0}

.scenario{border-radius:var(--radius-lg);padding:28px 24px;border:1.5px solid var(--border)}

.scenario.bad{background:#fff5f5;border-color:#fecaca}

.scenario.good{background:#f0fdf4;border-color:#bbf7d0}

.scenario-head{display:flex;align-items:center;gap:10px;margin-bottom:16px}

.scenario-badge{
  font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  padding:4px 10px;border-radius:50px;
}

.scenario.bad .scenario-badge{background:#fee2e2;color:#991b1b}

.scenario.good .scenario-badge{background:#dcfce7;color:#166534}

.scenario h3{font-size:.95rem;font-weight:700;margin:0;color:var(--navy)}

.scenario-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid rgba(0,0,0,.06);font-size:.875rem}

.scenario-row:last-of-type{border-bottom:none}

.scenario-row span:first-child{color:var(--muted)}

.scenario-row span:last-child{font-weight:700;color:var(--navy)}

.scenario.bad .scenario-row span:last-child.loss{color:#dc2626}

.scenario.good .scenario-row span:last-child.gain{color:#16a34a}

.scenario-verdict{
  margin-top:16px;padding:12px 16px;border-radius:10px;
  font-size:.875rem;font-weight:600;line-height:1.5;
}

.scenario.bad .scenario-verdict{background:#fee2e2;color:#991b1b}

.scenario.good .scenario-verdict{background:#dcfce7;color:#166534}

/* callout box */
.callout{
  border-left:4px solid var(--red);background:var(--sand);
  border-radius:0 var(--radius) var(--radius) 0;
  padding:20px 24px;margin:28px 0;
}

.callout p{font-size:.95rem;color:var(--text);margin-bottom:0}

.callout strong{color:var(--red)}

/* checklist */
.check-list{display:flex;flex-direction:column;gap:10px;margin:20px 0}

.check-list li{
  display:flex;align-items:flex-start;gap:12px;font-size:.9rem;color:var(--text);
}

.check-list li::before{
  content:'';width:20px;height:20px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(153,0,0,.1);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23990000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;
}

/* related articles at base of content */
.article-related{margin-top:48px;padding-top:32px;border-top:2px solid var(--border)}

.article-related h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:16px}

.article-related-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}

.article-related-link{
  display:flex;align-items:center;gap:8px;
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:12px 16px;font-size:.85rem;font-weight:600;color:var(--navy);
  transition:border-color .15s,color .15s,transform .15s;
}

.article-related-link:hover{border-color:var(--red);color:var(--red);transform:translateX(3px)}

.article-related-link svg{flex-shrink:0;opacity:.5}

.sidebar-cta{
  background:var(--navy);border-radius:var(--radius-lg);
  padding:28px 24px;position:relative;overflow:hidden;
}

.sidebar-cta::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 80% 60% at 100% 0%,rgba(153,0,0,.25) 0%,transparent 60%);
  pointer-events:none;
}

.sidebar-cta-inner{position:relative;z-index:1}

.sidebar-cta h3{font-size:1rem;font-weight:800;color:#fff;margin-bottom:8px}

.sidebar-cta p{font-size:.85rem;color:rgba(255,255,255,.65);margin-bottom:18px}

.sidebar-cta-btn{
  display:block;text-align:center;
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:14px;
  padding:13px;border-radius:50px;
  box-shadow:0 4px 16px rgba(242,101,34,.4);
  transition:background .2s,transform .15s;
}

.sidebar-cta-btn:hover{background:var(--orange2);transform:translateY(-1px)}

.sidebar-cta-note{font-size:.75rem;color:rgba(255,255,255,.4);text-align:center;margin-top:10px;line-height:1.5}

.sidebar-related{
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px;
}

.sidebar-related h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:14px}

.sidebar-related-link{
  display:flex;align-items:center;justify-content:space-between;
  padding:9px 0;border-bottom:1px solid var(--border);
  font-size:.875rem;font-weight:500;color:var(--text);transition:color .15s;
}

.sidebar-related-link:last-child{border-bottom:none;padding-bottom:0}

.sidebar-related-link:hover{color:var(--red)}

.sidebar-related-link span{color:var(--muted);font-size:.8rem}

.sidebar-plans{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px;
}

.sidebar-plans h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:14px}

.plan-link{
  display:flex;align-items:center;gap:12px;
  padding:12px 14px;border-radius:var(--radius);border:1.5px solid var(--border);
  margin-bottom:10px;transition:border-color .15s,transform .15s;
}

.plan-link:last-child{margin-bottom:0}

.plan-link:hover{border-color:var(--red);transform:translateX(3px)}

.plan-link-icon{width:36px;height:36px;border-radius:10px;background:var(--sand);display:flex;align-items:center;justify-content:center;flex-shrink:0}

.plan-link strong{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:2px}

.plan-link span{font-size:.75rem;color:var(--muted)}

/* ─── MAIN LAYOUT ─── */
.contact-wrap{
  max-width:1100px;margin:0 auto;
  display:grid;grid-template-columns:1fr 380px;gap:60px;
  padding:72px 5vw 80px;align-items:start;
}

/* ─── FORM SIDE ─── */
.form-side h2{
  font-size:1.4rem;font-weight:800;color:var(--navy);margin-bottom:6px;
}

.form-side > p{font-size:.95rem;color:var(--muted);margin-bottom:32px}

.cf7-form{display:flex;flex-direction:column;gap:18px}

.form-group input,
.form-group select,
.form-group textarea{
  font-family:'DM Sans',sans-serif;font-size:15px;color:var(--text);
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius);
  padding:13px 16px;outline:none;width:100%;
  transition:border-color .2s,box-shadow .2s;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus{
  border-color:var(--red);box-shadow:0 0 0 3px rgba(153,0,0,.08);
}

.form-group input::placeholder,
.form-group textarea::placeholder{color:var(--muted)}

.form-group textarea{resize:vertical;min-height:120px}

.form-group select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236b7f94' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center}

/* ─── INFO SIDEBAR ─── */
.contact-sidebar{display:flex;flex-direction:column;gap:20px;position:sticky;top:108px}

.cheryl-card{
  background:var(--navy);border-radius:var(--radius-lg);
  padding:32px 28px;position:relative;overflow:hidden;
}

.cheryl-card::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 80% 60% at 100% 0%,rgba(153,0,0,.25) 0%,transparent 60%);
  pointer-events:none;
}

.cheryl-card-inner{position:relative;z-index:1}

.cheryl-avatar{
  width:56px;height:56px;border-radius:50%;
  background:rgba(153,0,0,.2);border:2px solid rgba(153,0,0,.4);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:16px;
}

.cheryl-card h3{font-size:1.1rem;font-weight:800;color:#fff;margin-bottom:6px}

.cheryl-card p{font-size:.875rem;color:rgba(255,255,255,.65);margin-bottom:0;line-height:1.6}

.cheryl-promise{
  margin-top:20px;display:flex;flex-direction:column;gap:8px;
}

.cheryl-promise-item{
  display:flex;align-items:center;gap:10px;
  font-size:.82rem;color:rgba(255,255,255,.7);
}

.cheryl-promise-item::before{
  content:'';width:16px;height:16px;border-radius:50%;flex-shrink:0;
  background:rgba(153,0,0,.25);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23cc0000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:10px;background-repeat:no-repeat;background-position:center;
}

.contact-details{
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius-lg);
  padding:28px;
}

.contact-details h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:18px}

.detail-item{
  display:flex;align-items:flex-start;gap:14px;
  padding:12px 0;border-bottom:1px solid var(--border);
}

.detail-item:last-child{border-bottom:none;padding-bottom:0}

.detail-icon{
  width:36px;height:36px;border-radius:10px;background:#fff;border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}

.detail-icon svg{stroke:#990000}

.detail-item strong{display:block;font-size:.78rem;font-weight:700;color:var(--navy);margin-bottom:3px;text-transform:uppercase;letter-spacing:.06em}

.detail-item a{font-size:.9rem;color:var(--red);transition:color .15s}

.detail-item a:hover{color:var(--red2)}

.detail-item span{font-size:.875rem;color:var(--muted);line-height:1.5}

.hours-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px 28px;
}

.hours-card h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:14px}

.hours-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;border-bottom:1px solid var(--border);font-size:.875rem;
}

.hours-row:last-child{border-bottom:none;padding-bottom:0}

.hours-row span:first-child{color:var(--muted)}

.hours-row span:last-child{font-weight:600;color:var(--navy)}

/* ─── CONTENT ─── */
.page-body{max-width:860px;margin:0 auto;padding:72px 5vw 80px}

.page-body h2{
  font-size:clamp(1.3rem,2.2vw,1.7rem);font-weight:700;color:var(--navy);
  margin:2em 0 .7em;padding-bottom:.5em;border-bottom:2px solid var(--border);
}

.page-body h2:first-child{margin-top:0}

.page-body h3{font-size:1.1rem;font-weight:700;color:var(--navy);margin:1.5em 0 .5em}

.page-body p{color:#3a4a5c;line-height:1.8}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0}

.pillar:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--red)}

/* FSP box */
.fsp-box{
  background:#1a3a5c;border-radius:var(--radius-lg);
  padding:36px 40px;margin:36px 0;
}

.fsp-box h3{font-size:1rem;font-weight:700;color:#fff;margin-bottom:16px}

.fsp-list{display:flex;flex-direction:column;gap:10px}

.fsp-list li{
  display:flex;align-items:flex-start;gap:12px;
  font-size:.9rem;color:rgba(255,255,255,.75);
}

.fsp-list li strong{color:#fff;}

.fsp-list li::before{
  content:'';width:18px;height:18px;border-radius:50%;flex-shrink:0;margin-top:1px;
  background:rgba(153,0,0,.3);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23cc0000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:11px;background-repeat:no-repeat;background-position:center;
}

/* contact details */
.contact-strip{
  display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:36px 0;
}

.contact-item{
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:20px 22px;display:flex;align-items:flex-start;gap:14px;
  transition:border-color .15s;
}

.contact-item:hover{border-color:var(--red)}

.contact-item svg{flex-shrink:0;margin-top:2px;stroke:#990000}

.contact-item strong{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:4px;text-transform:uppercase;letter-spacing:.06em}

.contact-item a,.contact-item span{font-size:.9rem;color:var(--muted)}

.contact-item a{color:var(--red);transition:color .15s}

.contact-item a:hover{color:var(--red2)}

/* CTA strip */
.about-cta{
  background:var(--navy);border-radius:var(--radius-lg);
  padding:40px;margin-top:48px;
  display:flex;align-items:center;justify-content:space-between;gap:32px;
  position:relative;overflow:hidden;
}

.about-cta::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 60% 100% at 100% 50%,rgba(153,0,0,.2) 0%,transparent 60%);
}

.about-cta-text{position:relative;z-index:1}

.about-cta-text h3{font-size:1.3rem;font-weight:800;color:#fff;margin-bottom:8px}

.about-cta-text p{font-size:.9rem;color:rgba(255,255,255,.65);margin-bottom:0}

.about-cta-btn{
  position:relative;z-index:1;
  display:inline-block;flex-shrink:0;
  background:var(--orange);color:#fff;
  font-family:'Sora',sans-serif;font-weight:700;font-size:14px;
  padding:14px 28px;border-radius:50px;white-space:nowrap;
  box-shadow:0 4px 16px rgba(242,101,34,.4);
  transition:background .2s,transform .15s;
}

.about-cta-btn:hover{background:var(--orange2);transform:translateY(-1px)}

/* ─── THANKS HERO ─── */
.thanks-hero{
  background:var(--navy);
  padding:100px 5vw 80px;
  text-align:center;
  position:relative;overflow:hidden;
}

.thanks-hero::before{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 60% 60% at 50% 0%,rgba(153,0,0,.2) 0%,transparent 70%);
}

.thanks-icon{
  width:80px;height:80px;border-radius:50%;
  background:rgba(153,0,0,.15);border:2px solid rgba(153,0,0,.4);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 28px;position:relative;z-index:1;
}

.thanks-hero h1{
  font-size:clamp(2rem,4vw,3rem);font-weight:800;color:#fff;
  margin-bottom:16px;position:relative;z-index:1;
}

.thanks-hero p{
  font-size:1.1rem;color:rgba(255,255,255,.72);
  max-width:520px;margin:0 auto 12px;position:relative;z-index:1;
}

.thanks-cheryl{
  font-size:1rem;color:rgba(255,255,255,.5);
  font-style:italic;position:relative;z-index:1;
  margin-bottom:40px;
}

.thanks-steps{
  display:flex;align-items:center;justify-content:center;
  gap:32px;flex-wrap:wrap;
  position:relative;z-index:1;
  margin-top:40px;
}

.thanks-step{
  display:flex;align-items:center;gap:12px;
  background:rgba(255,255,255,.07);
  border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);
  padding:16px 24px;
}

.thanks-step svg{flex-shrink:0;opacity:.8}

.thanks-step span{font-size:.9rem;color:rgba(255,255,255,.75);font-weight:500}

/* ─── WHAT NEXT ─── */
.what-next{
  background:var(--sand);
  padding:80px 5vw;
  text-align:center;
}

.what-next h2{font-size:clamp(1.6rem,2.5vw,2.2rem);font-weight:800;color:var(--navy);margin-bottom:12px}

.what-next > p{font-size:1rem;color:var(--muted);margin-bottom:48px}

.next-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:20px;max-width:900px;margin:0 auto;
}

.next-card{
  background:#fff;border:1.5px solid var(--border);border-radius:var(--radius);
  padding:28px 24px;text-align:left;
  transition:transform .2s,box-shadow .2s,border-color .2s;
}

.next-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--red)}

.next-card-icon{
  width:44px;height:44px;border-radius:12px;background:var(--sand);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}

.next-card h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:6px}

.next-card p{font-size:.875rem;color:var(--muted);margin-bottom:16px}

.next-card a{
  font-family:'Sora',sans-serif;font-size:13px;font-weight:700;color:var(--red);
  display:inline-flex;align-items:center;gap:5px;transition:gap .2s;
}

.next-card a:hover{gap:9px}

/* ─── INSURANCE BANNER ─── */
.ins-banner-inner{
  display:flex;justify-content:center;
  margin-bottom:48px;
}

.ins-banner-inner img{
  max-width:728px;width:100%;height:auto;
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  transition:opacity .2s;
}

.ins-banner-inner a:hover img{opacity:.9}



@media(max-width:960px){
  .about-pillars{grid-template-columns:1fr}
  .next-grid{grid-template-columns:1fr}
  .ft-grid{grid-template-columns:1fr 1fr}
  .nav-list,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .mobile-menu{display:block}
  .thanks-steps{flex-direction:column;align-items:stretch;max-width:400px;margin:40px auto 0}
}

/* ─── PILLARS (homepage why section) ─── */
.pillars{margin-top:36px;display:flex;flex-direction:column;gap:28px}

.pillar{display:flex;gap:20px;align-items:flex-start}

.pillar-icon{
  width:44px;height:44px;border-radius:12px;background:var(--sand);flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
}

.pillar h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:4px}

.pillar p{font-size:.875rem;color:var(--muted)}

/* ─── PILLARS (about page card grid) ─── */
.about-pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0}

.about-pillar{
  background:var(--sand);border:1.5px solid var(--border);border-radius:var(--radius-lg);
  padding:28px 24px;
  transition:transform .2s,box-shadow .2s,border-color .2s;
}

.about-pillar:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--red)}

.about-pillar-icon{
  width:44px;height:44px;border-radius:12px;background:#fff;border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}

.about-pillar h4{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:8px}

.about-pillar p{font-size:.875rem;color:var(--muted);line-height:1.6;margin-bottom:0}