@import url('https://fonts.googleapis.com/css2?family=Fraunces:wght@600;700;900&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600;700&display=swap');

:root{
  --navy:#07111F; --navy-2:#0C2033;
  --emerald:#063C35; --emerald-2:#0A5347;
  --gold:#C9A45C; --gold-bright:#E4C07E; --gold-soft:rgba(201,164,92,.14);
  --champagne:#E7D5AC;
  --offwhite:#F7F5EF; --white:#FFFFFF;
  --ink:#0E1A2B; --muted:#5B6472; --line:#E4DFD1;
  --ink-l:#F7F5EF; --muted-l:rgba(247,245,239,.64); --line-l:rgba(247,245,239,.14);
  --shadow-l:0 24px 60px -34px rgba(7,17,31,.22);
  --shadow-d:0 30px 80px -38px rgba(0,0,0,.7);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto;} }
body{margin:0;background:var(--offwhite);color:var(--ink);font-family:'Inter',system-ui,sans-serif;line-height:1.6;}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:700;text-wrap:balance;margin:0;letter-spacing:-.01em;}
.mono{font-family:'IBM Plex Mono',ui-monospace,monospace;}
a{color:inherit;}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px;}
img{max-width:100%;}
button{font-family:inherit;}

.dark{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:var(--ink-l);}
.dark .muted{color:var(--muted-l);}
.light .muted{color:var(--muted);}
.muted{color:var(--muted);}

#scroll-progress{position:fixed;top:0;left:0;height:2px;width:0%;background:linear-gradient(90deg,var(--gold),var(--champagne));z-index:70;}

.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.7,.2,1), transform .7s cubic-bezier(.2,.7,.2,1);}
.reveal.in{opacity:1;transform:translateY(0);}
@media (prefers-reduced-motion: reduce){ .reveal{opacity:1;transform:none;transition:none;} }

section{padding:86px 0;position:relative;isolation:isolate;}
@media (max-width:760px){ section{padding:60px 0;} }
.dark::before{content:"";position:absolute;inset:0;z-index:-1;background-image:radial-gradient(rgba(231,213,172,.07) 1px, transparent 1px);background-size:26px 26px;pointer-events:none;}
.seam-top{position:relative;}
.seam-top::after{content:"";position:absolute;top:0;left:0;right:0;height:130px;background:linear-gradient(to bottom, var(--seam-from,transparent), transparent);opacity:.5;pointer-events:none;z-index:0;}

/* ---------- editorial background photography (dark sections only, heavily tinted to brand navy) ---------- */
.photo-bg::after{content:"";position:absolute;inset:0;z-index:-1;background-image:linear-gradient(120deg, rgba(10,21,37,.80) 0%, rgba(10,21,37,.50) 55%, rgba(10,21,37,.84) 100%), var(--bg-photo);background-size:cover;background-position:center;filter:saturate(0.85) brightness(0.92);pointer-events:none;}
.photo-bg.photo-bg-subtle::after{background-image:linear-gradient(120deg, rgba(10,21,37,.90) 0%, rgba(10,21,37,.76) 55%, rgba(10,21,37,.92) 100%), var(--bg-photo);}
.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:10px;margin-bottom:16px;}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold);}
.section-head{max-width:64ch;margin-bottom:38px;position:relative;z-index:1;}
.section-head h2{font-size:clamp(1.9rem,3.6vw,2.7rem);}
.section-head p{margin-top:16px;font-size:1.05rem;max-width:56ch;}

/* ---------- icon system ---------- */
.icon{width:24px;height:24px;display:block;}
.icon-lg{width:30px;height:30px;}

/* ---------- cursor spotlight (dark sections) ---------- */
.spotlight{position:absolute;inset:0;pointer-events:none;z-index:0;opacity:0;transition:opacity .3s ease;background:radial-gradient(320px circle at var(--sx,50%) var(--sy,50%), rgba(201,164,92,.10), transparent 70%);}
.spotlight.on{opacity:1;}
@media (prefers-reduced-motion: reduce){ .spotlight{display:none;} }

/* ---------- magnetic buttons & tilt cards ---------- */
.btn{will-change:transform;}
.tilt{will-change:transform;transition:transform .12s ease;}
@media (prefers-reduced-motion: reduce){ .tilt{transition:none !important;} }

.btn{position:relative;overflow:hidden;padding:15px 26px;border-radius:3px;font-weight:700;font-size:.9rem;text-decoration:none;display:inline-flex;align-items:center;gap:9px;border:1px solid transparent;cursor:pointer;font-family:inherit;transition:transform .15s ease;letter-spacing:.01em;}
.btn:hover{transform:translateY(-2px);}
.btn::after{content:"";position:absolute;top:0;left:-60%;width:40%;height:100%;background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .5s ease;}
.btn:hover::after{left:130%;}
@media (prefers-reduced-motion: reduce){ .btn,.btn::after{transition:none;} .btn:hover{transform:none;} }
.btn-gold{background:var(--gold);color:var(--navy);}
.btn-ghost-dark{border-color:rgba(247,245,239,.3);color:var(--ink-l);background:transparent;}
.btn-ghost-light{border-color:var(--line);color:var(--ink);background:transparent;}
.btn-sm{padding:10px 18px;font-size:.82rem;}

/* ---------- nav ---------- */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;padding:20px 0;transition:background .3s ease, padding .3s ease, border-color .3s ease, backdrop-filter .3s ease;border-bottom:1px solid transparent;}
.nav.scrolled{background:rgba(7,17,31,.72);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);padding:14px 0;border-color:var(--line-l);box-shadow:0 12px 40px -20px rgba(0,0,0,.5);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;max-width:1180px;margin:0 auto;padding:0 24px;gap:24px;}
.brand{font-family:'Fraunces',serif;font-weight:700;font-size:1.05rem;display:flex;align-items:center;gap:10px;color:#fff;letter-spacing:.01em;white-space:nowrap;}
.brand .mark{width:32px;height:32px;border-radius:50%;border:1px solid var(--gold);position:relative;flex-shrink:0;}
.brand .mark::before{content:"";position:absolute;inset:7px;border-radius:50%;background:var(--gold);}
.brand .mark::after{content:"";position:absolute;inset:2px;border-radius:50%;border:1px solid rgba(201,164,92,.5);}
.nav-links{display:flex;gap:30px;font-size:.85rem;font-weight:500;}
.nav-links a{text-decoration:none;color:rgba(247,245,239,.78);transition:color .15s ease;}
.nav-links a:hover{color:var(--gold);}
.nav-right{display:flex;align-items:center;gap:14px;}
.nav-wa{display:flex;align-items:center;gap:7px;color:rgba(247,245,239,.85);text-decoration:none;font-size:.83rem;font-weight:500;}
.nav-wa:hover{color:var(--gold);}
@media (max-width:900px){ .nav-links{display:none;} }

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;isolation:isolate;padding:150px 0 0;min-height:100vh;display:flex;align-items:center;background:radial-gradient(120% 90% at 78% 42%,#0d2338 0%,var(--navy) 46%,#050c16 100%);}
.hero-atmosphere{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden;}
.hero-atmosphere::before{content:"";position:absolute;top:8%;right:-6%;width:70%;height:84%;background:radial-gradient(48% 48% at 50% 45%,rgba(201,164,92,.14),transparent 68%),radial-gradient(30% 30% at 60% 70%,rgba(10,83,71,.28),transparent 70%);filter:blur(6px);}
.hero-atmosphere::after{content:"";position:absolute;inset:0;background:radial-gradient(120% 100% at 50% 100%,transparent 55%,rgba(3,8,15,.55) 100%);}
.hero-floor{position:absolute;right:2%;bottom:6%;width:52%;height:130px;transform:perspective(600px) rotateX(62deg);background:radial-gradient(ellipse at center,rgba(201,164,92,.20),rgba(201,164,92,.05) 55%,transparent 78%);filter:blur(1px);}
.hero-particles{position:absolute;inset:0;background-image:radial-gradient(rgba(231,213,172,.35) 1px,transparent 1.4px),radial-gradient(rgba(201,164,92,.22) 1px,transparent 1.4px);background-size:180px 180px,260px 260px;background-position:0 0,90px 130px;animation:hero-drift 60s linear infinite;opacity:.5;}
@keyframes hero-drift{0%{background-position:0 0,90px 130px;}100%{background-position:-180px 240px,-170px 480px;}}
@media (prefers-reduced-motion:reduce){ .hero-particles{animation:none;} }
#hero-3d{position:absolute;top:0;right:-2%;width:64%;height:100%;z-index:1;}
#hero-3d canvas{display:block;width:100%;height:100%;}
.hero-fallback{position:absolute;top:0;right:0;width:64%;height:100%;z-index:1;display:flex;align-items:center;justify-content:center;pointer-events:none;opacity:0;transition:opacity .6s ease;}
.hero-fallback.show{opacity:1;}
.hero-fallback-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:60% 40%;-webkit-mask-image:radial-gradient(70% 70% at 55% 45%,#000 55%,transparent 85%);mask-image:radial-gradient(70% 70% at 55% 45%,#000 55%,transparent 85%);opacity:.42;filter:saturate(.8) brightness(.85);}
.hero-fallback-icons{position:relative;width:min(72vw,460px);height:min(72vw,460px);}
.hf-core{position:absolute;top:50%;left:50%;width:74px;height:74px;transform:translate(-50%,-50%);border-radius:50%;background:radial-gradient(circle at 35% 30%,rgba(231,213,172,.55),rgba(201,164,92,.16) 55%,transparent 75%);border:1px solid rgba(201,164,92,.55);}
.hero-fallback-icons svg.eco-line{stroke:var(--gold);stroke-width:1;opacity:.3;}
.hf-node{position:absolute;width:46px;height:46px;transform:translate(-50%,-50%);border-radius:50%;background:rgba(12,32,51,.82);border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold-bright);}
.hf-node svg{width:20px;height:20px;}
.hero-tooltip{position:absolute;z-index:6;top:0;left:0;pointer-events:none;opacity:0;transform:translate(-50%,-140%);transition:opacity .16s ease;background:rgba(7,17,31,.94);border:1px solid var(--gold);border-radius:8px;padding:7px 14px;font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.02em;color:var(--champagne);white-space:nowrap;box-shadow:0 14px 30px -10px rgba(0,0,0,.6);}
.hero-tooltip.show{opacity:1;}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(280px,500px) 1fr;gap:40px;width:100%;}
.hero .hero-content{max-width:500px;padding-bottom:100px;}
.hero .eyebrow{color:var(--champagne);}
.hero h1{font-size:clamp(2.5rem,4.6vw,4.1rem);line-height:1.04;color:#fff;letter-spacing:-.02em;}
.hero h1 .gold-grad{background:linear-gradient(100deg,var(--champagne),var(--gold-bright) 55%,var(--gold));-webkit-background-clip:text;background-clip:text;color:transparent;}
.hero p.lead{margin-top:22px;color:rgba(247,245,239,.72);font-size:1.06rem;max-width:46ch;}
.hero-ctas{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap;align-items:center;}
.hero-wa{display:inline-flex;align-items:center;gap:8px;color:rgba(247,245,239,.75);text-decoration:none;font-size:.88rem;font-weight:500;}
.hero-wa:hover{color:var(--gold-bright);}
.hero-trustline{margin-top:30px;font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(247,245,239,.42);}
.hero-trustline .dot-sep{color:var(--gold);margin:0 9px;}
.hero-scroll-cue{position:absolute;left:36px;bottom:26px;z-index:2;display:flex;align-items:center;gap:10px;font-family:'IBM Plex Mono',monospace;font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(247,245,239,.4);}
.hero-scroll-cue span{width:22px;height:1px;background:linear-gradient(90deg,var(--gold),transparent);position:relative;overflow:hidden;}
.hero-scroll-cue span::after{content:"";position:absolute;inset:0;width:8px;background:var(--gold-bright);animation:cue-run 2.2s ease-in-out infinite;}
@keyframes cue-run{0%{transform:translateX(-10px);opacity:0;}50%{opacity:1;}100%{transform:translateX(24px);opacity:0;}}
@media (prefers-reduced-motion:reduce){ .hero-scroll-cue span::after{animation:none;opacity:.6;} }
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;}
  #hero-3d{width:100%;opacity:.5;}
  .hero-fallback{width:100%;}
  .hero-fallback-icons{display:none;}
  .hero-fallback-img{opacity:.24;-webkit-mask-image:none;mask-image:none;}
  .hero:not(.hero-has3d)::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(7,17,31,.92) 0%,rgba(7,17,31,.6) 55%,rgba(7,17,31,.85) 100%);pointer-events:none;}
  .hero .hero-content{max-width:none;position:relative;z-index:2;}
  .hero-scroll-cue{display:none;}
}

/* vitals */
.vitals{background:var(--navy-2);border-top:1px solid var(--line-l);border-bottom:1px solid var(--line-l);position:relative;z-index:2;}
.vitals-grid{display:grid;grid-template-columns:repeat(4,1fr);}
.vital{padding:36px 28px;border-left:1px solid var(--line-l);}
.vital:first-child{border-left:none;}
.vital-num{font-family:'IBM Plex Mono',monospace;font-weight:700;font-size:clamp(1.8rem,3.6vw,2.6rem);color:var(--gold);font-variant-numeric:tabular-nums;}
.vital-label{margin-top:8px;font-size:.75rem;color:var(--muted-l);text-transform:uppercase;letter-spacing:.06em;max-width:22ch;}
@media (max-width:760px){ .vitals-grid{grid-template-columns:repeat(2,1fr);} .vital:nth-child(odd){border-left:none;} }

/* ---------- discovery cards ---------- */
.discover-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:980px){ .discover-grid{grid-template-columns:repeat(2,1fr);} }
@media (max-width:560px){ .discover-grid{grid-template-columns:1fr;} }
.discover-card{background:var(--white);padding:32px 24px;cursor:pointer;transition:background .3s ease, transform .12s ease, box-shadow .3s ease;position:relative;min-height:260px;display:flex;flex-direction:column;}
.discover-card:hover{background:var(--navy);box-shadow:0 30px 60px -30px rgba(7,17,31,.5);z-index:2;}
.discover-card:hover .d-title, .discover-card:hover .d-icon{color:var(--gold-bright);}
.discover-card:hover .d-products li{color:rgba(247,245,239,.8);}
.discover-card:hover .d-products{border-color:rgba(201,164,92,.3);}
.d-icon{width:54px;height:54px;border-radius:50%;border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold);transition:color .25s ease, transform .4s ease;}
.d-icon .icon{width:26px;height:26px;}
.discover-card:hover .d-icon{transform:scale(1.08) rotate(-6deg);}
.d-title{font-family:'Fraunces',serif;font-weight:700;font-size:1.08rem;margin-top:20px;transition:color .25s ease;}
.d-products{margin-top:16px;padding-top:16px;border-top:1px dashed var(--line);list-style:none;padding-left:0;font-size:.83rem;flex:1;transition:border-color .25s ease;}
.d-products li{color:var(--muted);padding:3px 0;transition:color .25s ease;}

/* ---------- ecosystem orbit (SVG) ---------- */
.ecosystem{overflow:hidden;}
.eco-wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;}
@media (max-width:900px){ .eco-wrap{grid-template-columns:1fr;} }
.eco-diagram{position:relative;aspect-ratio:1/1;max-width:520px;margin:0 auto;}
.eco-diagram svg{width:100%;height:100%;overflow:visible;}
.eco-line{stroke:var(--gold);stroke-width:1;opacity:.22;stroke-dasharray:3 6;transition:opacity .2s ease, stroke .2s ease, stroke-width .2s ease;animation:eco-flow 4.5s linear infinite;}
.eco-line.active{opacity:.9;stroke:var(--gold-bright);stroke-width:1.4;animation-duration:1.4s;}
@keyframes eco-flow{ to{ stroke-dashoffset:-27; } }
@media (prefers-reduced-motion: reduce){ .eco-line{animation:none;} }
.eco-node{cursor:pointer;color:rgba(247,245,239,.85);}
.eco-node circle{fill:var(--navy-2);stroke:var(--gold);stroke-width:1;transition:fill .2s ease, stroke .2s ease;}
.eco-node.active circle, .eco-node:hover circle{fill:var(--gold);stroke:var(--gold-bright);}
.eco-node .eco-icon{color:inherit;width:16px;height:16px;overflow:visible;}
.eco-node text{fill:currentColor;font-family:'IBM Plex Mono',monospace;font-size:8px;text-transform:uppercase;letter-spacing:.03em;transition:fill .2s ease;}
.eco-node.active text, .eco-node.active .eco-icon, .eco-node:hover text, .eco-node:hover .eco-icon{color:var(--navy);}
.eco-node.active text, .eco-node:hover text{font-weight:700;}
.eco-center circle{fill:var(--gold-soft);stroke:var(--gold);stroke-width:1.2;animation:eco-pulse 3.2s ease-in-out infinite;}
@keyframes eco-pulse{ 0%,100%{ opacity:1; } 50%{ opacity:.72; } }
@media (prefers-reduced-motion: reduce){ .eco-center circle{animation:none;} }
.eco-center text{fill:var(--champagne);font-family:'Fraunces',serif;font-weight:700;font-size:11px;}
.eco-copy h3{font-size:1.5rem;color:var(--ink-l);}
.eco-copy .eco-desc{margin-top:16px;padding:20px 22px;background:rgba(247,245,239,.04);border:1px solid var(--line-l);border-radius:4px;min-height:96px;font-size:.92rem;color:rgba(247,245,239,.72);}
.eco-copy .eco-desc b{color:var(--gold-bright);display:block;margin-bottom:6px;font-family:'Fraunces',serif;font-size:1.02rem;}
.eco-hint{margin-top:12px;font-size:.78rem;color:rgba(247,245,239,.45);}

/* ---------- product cards ---------- */
.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:900px){ .product-grid{grid-template-columns:repeat(2,1fr);} }
@media (max-width:600px){ .product-grid{grid-template-columns:1fr;} }
.p-card{background:var(--white);padding:30px;cursor:pointer;transition:box-shadow .2s ease, transform .12s ease;box-shadow:inset 0 0 0 var(--gold);position:relative;display:block;text-decoration:none;color:inherit;}
.p-card:hover{box-shadow:inset 3px 0 0 var(--gold), 0 26px 50px -32px rgba(7,17,31,.35);z-index:2;}
.p-card:focus-visible{outline:2px solid var(--gold);outline-offset:3px;}
.p-icon{width:54px;height:54px;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:flex;align-items:center;justify-content:center;transition:transform .35s ease;}
.p-icon .icon{width:28px;height:28px;}
.p-card:hover .p-icon{transform:scale(1.08) rotate(-6deg);}
.p-card h3{font-size:1.12rem;margin-top:18px;}
.p-card .p-desc{color:var(--muted);font-size:.88rem;margin-top:8px;}
.p-benefits{list-style:none;padding:0;margin:14px 0 0;font-size:.85rem;color:var(--ink);}
.p-benefits li{padding:5px 0 5px 16px;position:relative;border-top:1px dashed var(--line);}
.p-benefits li:first-child{border-top:none;}
.p-benefits li::before{content:"—";position:absolute;left:0;color:var(--gold);}
.p-explore{margin-top:16px;display:inline-flex;align-items:center;gap:6px;font-size:.82rem;font-weight:700;color:var(--gold);text-decoration:none;background:none;border:none;cursor:pointer;padding:0;font-family:inherit;}
.p-card:hover .p-explore .chev{transform:translateX(3px);}
.p-explore .chev{display:inline-block;transition:transform .2s ease;font-size:.75rem;}

/* ---------- marine/jewellery specialist ---------- */
.specialist{overflow:hidden;}
.spec-wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
@media (max-width:900px){ .spec-wrap{grid-template-columns:1fr;} }
#gem-3d{position:relative;aspect-ratio:1/1;width:100%;max-width:460px;margin:0 auto;}
#gem-3d canvas{display:block;width:100%;height:100%;position:relative;z-index:1;}
.gem-bg-motif{position:absolute;inset:-10%;z-index:0;opacity:.7;pointer-events:none;}
.gem-bg-motif svg{width:100%;height:100%;}
.gem-bg-motif .route{stroke:var(--gold);stroke-width:.7;fill:none;opacity:.5;stroke-dasharray:2 5;animation:eco-flow 6s linear infinite;}
.gem-bg-motif .vault{stroke:rgba(231,213,172,.4);stroke-width:.6;fill:none;}
@media (prefers-reduced-motion: reduce){ .gem-bg-motif .route{animation:none;} }
.gem-fallback{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;opacity:0;transition:opacity .5s ease;z-index:1;}
.gem-fallback.show{opacity:1;}
.gem-static{width:44%;aspect-ratio:.86/1;background:linear-gradient(160deg,var(--champagne),var(--gold) 55%,var(--navy-2));clip-path:polygon(50% 0%,90% 32%,74% 100%,26% 100%,10% 32%);box-shadow:0 0 90px rgba(201,164,92,.35);position:relative;}
.gem-static::after{content:"";position:absolute;inset:-22%;border:1px solid rgba(231,213,172,.3);border-radius:50%;}
.spec-copy h2{font-size:clamp(1.8rem,3.4vw,2.5rem);color:#fff;}
.spec-list{list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:12px 20px;}
.spec-list li{font-size:.92rem;color:rgba(247,245,239,.8);padding-left:18px;position:relative;}
.spec-list li::before{content:"◆";position:absolute;left:0;color:var(--gold);font-size:.6rem;top:.4em;}

/* ---------- protect what you've worked for ---------- */
.protect-wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
@media (max-width:900px){ .protect-wrap{grid-template-columns:1fr;} }
.protect-copy h2{font-size:clamp(1.9rem,3.4vw,2.6rem);color:#fff;}
.protect-copy p{margin-top:16px;color:rgba(247,245,239,.68);font-size:1.02rem;max-width:50ch;}
.protect-visual{position:relative;aspect-ratio:1/1;max-width:420px;margin:0 auto;}
.protect-halo{position:absolute;inset:0;border-radius:50%;border:1px solid rgba(201,164,92,.35);transform:scale(.55);opacity:0;transition:transform 1.4s cubic-bezier(.2,.7,.2,1), opacity 1.4s ease;}
.protect-visual.in .protect-halo{transform:scale(1);opacity:1;}
.protect-halo.h2{transition-delay:.12s;border-color:rgba(201,164,92,.2);}
.protect-halo.h3{transition-delay:.24s;border-color:rgba(201,164,92,.12);}
@media (prefers-reduced-motion: reduce){ .protect-halo{transition:none;transform:scale(1);opacity:1;} }
.protect-icons{position:absolute;inset:0;display:grid;place-items:center;}
.protect-icons .icon-cluster{display:flex;gap:14px;align-items:center;color:var(--gold-bright);}
.protect-icons .icon-cluster .icon{width:30px;height:30px;}

/* ---------- how it works ---------- */
.how-track{position:relative;margin-top:44px;}
.how-line-bg{position:absolute;top:22px;left:0;right:0;height:1px;background:var(--line);}
.how-line-fill{position:absolute;top:22px;left:0;height:1px;width:0%;background:var(--gold);transition:width .4s ease;}
.how-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;position:relative;}
@media (max-width:860px){ .how-steps{grid-template-columns:repeat(2,1fr);} .how-line-bg,.how-line-fill{display:none;} }
.how-step .num{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--offwhite);display:flex;align-items:center;justify-content:center;font-family:'IBM Plex Mono',monospace;font-weight:700;color:var(--muted);transition:border-color .3s ease,color .3s ease,background .3s ease;position:relative;z-index:1;}
.how-step.done .num{border-color:var(--gold);color:var(--gold);background:var(--white);box-shadow:0 0 0 4px var(--gold-soft);}
.how-step h4{margin-top:16px;font-size:.98rem;font-family:'Inter';font-weight:700;letter-spacing:.01em;}
.how-step p{margin-top:6px;font-size:.85rem;color:var(--muted);}

/* ---------- why us ---------- */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-l);border:1px solid var(--line-l);}
@media (max-width:900px){ .pillars{grid-template-columns:repeat(2,1fr);} }
@media (max-width:560px){ .pillars{grid-template-columns:1fr;} }
.pillar{background:var(--navy);padding:34px 28px;}
.pillar .p-num{font-family:'IBM Plex Mono',monospace;color:var(--gold);font-size:.8rem;}
.pillar h3{margin-top:14px;font-size:1.1rem;color:#fff;}
.pillar p{margin-top:10px;font-size:.88rem;color:rgba(247,245,239,.65);}

/* ---------- about strip ---------- */
.about-strip{display:flex;align-items:center;gap:40px;flex-wrap:wrap;justify-content:space-between;}
.about-strip .about-copy{max-width:56ch;}
.about-strip h2{font-size:clamp(1.5rem,2.8vw,2rem);}
.about-strip p{margin-top:14px;color:var(--muted);font-size:1rem;}
.about-badge{font-family:'IBM Plex Mono',monospace;font-size:.72rem;color:var(--gold);border:1px solid var(--gold);border-radius:20px;padding:6px 16px;white-space:nowrap;}
.about-badge.placeholder-badge{color:var(--muted);border-style:dashed;border-color:var(--line);}

/* ---------- find your cover quiz ---------- */
.quiz-panel{background:var(--navy);border:1px solid var(--line-l);border-radius:6px;padding:44px;box-shadow:var(--shadow-d);}
@media (max-width:760px){ .quiz-panel{padding:28px;} }
.quiz-step{display:none;}
.quiz-step.active{display:block;}
.quiz-q{font-family:'Fraunces',serif;font-weight:700;font-size:1.3rem;color:#fff;margin-bottom:22px;}
.quiz-options{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;}
@media (max-width:760px){ .quiz-options{grid-template-columns:repeat(2,1fr);} }
.quiz-opt{background:rgba(247,245,239,.04);border:1px solid var(--line-l);border-radius:4px;padding:16px 14px;text-align:left;color:var(--ink-l);font-size:.88rem;font-weight:600;cursor:pointer;transition:border-color .2s ease, background .2s ease;font-family:inherit;}
.quiz-opt:hover{border-color:var(--gold);background:rgba(201,164,92,.08);}
.quiz-opt.selected{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-bright);}
.quiz-progress{display:flex;gap:6px;margin-bottom:26px;}
.quiz-progress span{height:3px;flex:1;background:var(--line-l);border-radius:2px;overflow:hidden;}
.quiz-progress span i{display:block;height:100%;width:0%;background:var(--gold);transition:width .3s ease;}
.quiz-progress span.done i{width:100%;}
.quiz-back{margin-top:20px;background:none;border:none;color:rgba(247,245,239,.5);font-size:.82rem;cursor:pointer;font-family:inherit;padding:0;}
.quiz-back:hover{color:var(--gold);}
.quiz-result h3{font-family:'Fraunces',serif;color:#fff;font-size:1.3rem;}
.quiz-result ul{list-style:none;padding:0;margin:18px 0;}
.quiz-result li{padding:10px 0;border-top:1px solid var(--line-l);color:var(--ink-l);font-size:.95rem;}
.quiz-result li:first-child{border-top:none;}
.quiz-disclaimer{margin-top:18px;font-size:.78rem;color:rgba(247,245,239,.45);max-width:56ch;}
.quiz-result-ctas{margin-top:24px;display:flex;gap:12px;flex-wrap:wrap;}

/* ---------- portfolio ---------- */
.portfolio-panel{background:var(--white);border:1px solid var(--line);border-radius:6px;box-shadow:var(--shadow-l);padding:40px;display:grid;grid-template-columns:.85fr 1.15fr;gap:40px;}
@media (max-width:900px){ .portfolio-panel{grid-template-columns:1fr;padding:26px;} }
.portfolio-copy h3{font-size:1.3rem;}
.portfolio-copy p{color:var(--muted);margin-top:10px;font-size:.92rem;}
.portfolio-copy ul{margin:16px 0 0;padding-left:18px;font-size:.9rem;}
.portfolio-copy li{margin-bottom:8px;}
.coming-soon{display:inline-flex;align-items:center;gap:7px;font-family:'IBM Plex Mono',monospace;font-size:.68rem;text-transform:uppercase;letter-spacing:.06em;background:var(--gold-soft);color:#9a7638;padding:4px 11px;border-radius:3px;margin-bottom:16px;}
.mock-window{border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--offwhite);}
.mock-bar{background:var(--navy);color:rgba(247,245,239,.8);padding:11px 16px;font-family:'IBM Plex Mono',monospace;font-size:.72rem;display:flex;justify-content:space-between;align-items:center;}
.mock-table{width:100%;border-collapse:collapse;font-size:.82rem;}
.mock-table th{text-align:left;padding:11px 14px;color:var(--muted);font-weight:600;font-size:.72rem;text-transform:uppercase;letter-spacing:.04em;border-bottom:1px solid var(--line);}
.mock-table td{padding:13px 14px;border-bottom:1px solid var(--line);}
.mock-table tr:last-child td{border-bottom:none;}
.pill{display:inline-block;padding:3px 10px;border-radius:3px;font-size:.72rem;font-weight:600;}
.pill.active{background:rgba(79,164,126,.14);color:#2F6E4E;}
.pill.due{background:var(--gold-soft);color:#9a7638;}
.pill.expiring{background:rgba(198,64,64,.12);color:#C64040;}

/* ---------- quote form ---------- */
.quote-panel{background:var(--white);border:1px solid var(--line);border-radius:6px;box-shadow:var(--shadow-l);padding:40px;display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;}
@media (max-width:860px){ .quote-panel{grid-template-columns:1fr;padding:26px;} }
.quote-info h3{font-size:1.3rem;}
.quote-info p{color:var(--muted);margin-top:10px;font-size:.92rem;}
.quote-info .step{display:flex;gap:12px;margin-top:20px;align-items:flex-start;}
.quote-info .step .num{width:26px;height:26px;border-radius:3px;background:var(--gold-soft);color:#9a7638;display:flex;align-items:center;justify-content:center;font-family:'IBM Plex Mono',monospace;font-size:.75rem;font-weight:700;flex-shrink:0;}
.quote-info .step div{font-size:.87rem;}
label{display:block;font-size:.8rem;font-weight:600;margin:14px 0 6px;}
label:first-child{margin-top:0;}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:4px;background:var(--offwhite);color:var(--ink);font-family:inherit;font-size:.92rem;}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
@media (max-width:520px){ .form-row{grid-template-columns:1fr;} }
.dynamic-fields{border-top:1px dashed var(--line);margin-top:16px;padding-top:14px;}
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.82rem;color:var(--muted);}
.consent input{width:auto;margin-top:3px;}
.submit-row{margin-top:20px;}
.submit-btn{width:100%;padding:15px;background:var(--navy);color:#fff;border:none;border-radius:4px;font-weight:700;font-size:.95rem;cursor:pointer;font-family:inherit;}
.submit-btn:hover{background:var(--navy-2);}
.form-note{font-size:.78rem;color:var(--muted);margin-top:10px;text-align:center;}
.form-success{display:none;text-align:center;padding:30px 10px;}
.form-success.show{display:block;}
.form-success .check{width:52px;height:52px;border-radius:50%;background:#2F6E4E;color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin:0 auto 14px;}

/* ---------- faq ---------- */
.faq-list{display:flex;flex-direction:column;max-width:760px;border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:20px 4px;font-family:inherit;font-size:.96rem;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-a{padding:0 4px;max-height:0;overflow:hidden;transition:max-height .2s ease, padding .2s ease;color:var(--muted);font-size:.9rem;}
.faq-item.open .faq-a{padding:0 4px 20px;max-height:400px;}
.faq-item.open .faq-q .chev{transform:rotate(45deg);}
.faq-q .chev{transition:transform .15s;color:var(--gold);font-size:1.2rem;flex-shrink:0;}

/* ---------- footer ---------- */
footer{background:var(--navy);color:rgba(247,245,239,.68);padding:56px 0 26px;font-size:.85rem;}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px;}
@media (max-width:760px){ .footer-grid{grid-template-columns:1fr;} }
footer h4{color:#fff;font-family:'Inter',sans-serif;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;}
footer a{text-decoration:none;color:rgba(247,245,239,.68);}
footer .disclaimer{margin-top:36px;padding-top:26px;border-top:1px solid var(--line-l);font-size:.76rem;color:rgba(247,245,239,.4);line-height:1.7;}
.footer-grid-v2{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr 1fr 1.1fr;}
@media (max-width:1080px){ .footer-grid-v2{grid-template-columns:1fr 1fr 1fr;} }
@media (max-width:620px){ .footer-grid-v2{grid-template-columns:1fr 1fr;} }
.footer-brand-col{grid-column:span 2;}
@media (max-width:1080px){ .footer-brand-col{grid-column:span 3;} }
@media (max-width:620px){ .footer-brand-col{grid-column:span 2;} }
.footer-grid-v2 h4{margin-top:2px;}
.footer-grid-v2 > div{display:flex;flex-direction:column;gap:9px;}
.footer-grid-v2 a:hover{color:var(--gold);}
.footer-copy-row{padding-top:30px;margin-top:30px;border-top:1px solid var(--line-l);font-size:.76rem;color:rgba(247,245,239,.45);}

/* ---------- chat widget ---------- */
#chat-toggle{position:fixed;bottom:22px;right:22px;z-index:100;width:58px;height:58px;border-radius:50%;background:var(--gold);color:var(--navy);border:none;font-size:1.4rem;box-shadow:0 8px 24px rgba(0,0,0,.35);cursor:pointer;}
#chat-window{position:fixed;bottom:92px;right:22px;z-index:100;width:340px;max-width:calc(100vw - 44px);height:460px;max-height:calc(100vh - 140px);background:var(--white);border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow-l);display:none;flex-direction:column;overflow:hidden;}
#chat-window.open{display:flex;}
.chat-head{background:var(--navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;}
.chat-head b{font-family:'Fraunces',serif;}
.chat-head span{font-size:.72rem;color:rgba(247,245,239,.6);}
.chat-close{background:none;border:none;color:#fff;font-size:1.2rem;cursor:pointer;}
.chat-body{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;background:var(--offwhite);}
.chat-msg{max-width:85%;padding:10px 13px;border-radius:10px;font-size:.85rem;line-height:1.5;}
.chat-msg.bot{background:var(--white);border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:2px;}
.chat-msg.user{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:2px;}
.chat-suggestions{display:flex;flex-direction:column;gap:6px;padding:0 14px 12px;}
.chat-suggestion{background:var(--white);border:1px solid var(--line);border-radius:4px;padding:9px 12px;font-size:.8rem;text-align:left;cursor:pointer;color:var(--ink);font-family:inherit;}
.chat-suggestion:hover{border-color:var(--gold);}
.chat-input-row{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line);background:var(--white);}
.chat-input-row input{flex:1;}
.chat-input-row button{background:var(--gold);color:var(--navy);border:none;border-radius:4px;padding:0 16px;font-weight:700;cursor:pointer;}

/* ============================================================
   SITE SHELL v2 — mega menu, mobile menu, search, sticky bar
   ============================================================ */
.brand{cursor:pointer;text-decoration:none;}
.nav-item{position:relative;}
.nav-link-btn{background:none;border:none;font:inherit;color:rgba(247,245,239,.78);cursor:pointer;display:flex;align-items:center;gap:4px;padding:0;transition:color .15s ease;}
.nav-link-btn:hover{color:var(--gold);}
.nav-item .chev{font-size:.65em;opacity:.65;transition:transform .2s ease;}
.nav-item:hover .chev{transform:rotate(180deg);}
.mega{position:absolute;top:calc(100% + 20px);left:50%;transform:translateX(-50%);width:680px;max-width:88vw;background:var(--navy-2);border:1px solid var(--line-l);border-radius:12px;box-shadow:0 30px 60px -20px rgba(0,0,0,.6);padding:26px 26px 18px;display:none;grid-template-columns:repeat(3,1fr);gap:22px 26px;z-index:70;}
/* Visibility is JS-controlled (.open) via hover-intent with a close delay, not a bare :hover rule —
   a bare `.nav-item:hover .mega{display:grid}` drops the menu the instant the cursor crosses the
   gap between the trigger and the card, before it ever reaches the links. See site chrome JS. */
.mega.open{display:grid;}
.mega-col h5{font-family:'IBM Plex Mono',monospace;font-size:.66rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.mega-col a{display:block;padding:5px 0;font-size:.83rem;color:rgba(247,245,239,.75);text-decoration:none;transition:color .15s ease;}
.mega-col a:hover{color:var(--gold-bright);}
.mega-foot{grid-column:1/-1;border-top:1px solid var(--line-l);margin-top:4px;padding-top:14px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;}
.mega-foot span{color:rgba(247,245,239,.45);font-size:.78rem;}
.mega-foot a{color:var(--gold);font-size:.82rem;font-weight:600;text-decoration:none;}

.nav-search-btn{background:none;border:none;color:rgba(247,245,239,.78);cursor:pointer;padding:4px;display:flex;align-items:center;}
.nav-search-btn:hover{color:var(--gold);}
#search-overlay{position:fixed;inset:0;z-index:95;background:rgba(7,17,31,.94);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);display:none;align-items:flex-start;justify-content:center;padding:14vh 20px 20px;}
#search-overlay.open{display:flex;}
.search-box{width:min(620px,100%);position:relative;}
.search-box input{width:100%;background:var(--navy);border:1px solid var(--gold);border-radius:10px;padding:16px 46px 16px 20px;font-size:1.05rem;color:#fff;font-family:'Inter',sans-serif;}
.search-box input::placeholder{color:rgba(247,245,239,.4);}
#search-results{margin-top:14px;background:var(--navy-2);border-radius:10px;overflow:hidden;border:1px solid var(--line-l);max-height:56vh;overflow-y:auto;}
#search-results a{display:block;padding:13px 18px;text-decoration:none;border-bottom:1px solid var(--line-l);}
#search-results a:last-child{border-bottom:none;}
#search-results .sr-cat{color:var(--gold);font-family:'IBM Plex Mono',monospace;font-size:.64rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:3px;}
#search-results .sr-title{color:#fff;font-weight:600;font-size:.9rem;}
#search-results .sr-desc{color:rgba(247,245,239,.5);font-size:.78rem;margin-top:2px;}
#search-results a:hover{background:rgba(201,164,92,.1);}
#search-empty{margin-top:14px;color:rgba(247,245,239,.4);font-size:.85rem;text-align:center;display:none;}
.search-close{position:absolute;top:26px;right:26px;background:none;border:none;color:#fff;font-size:1.7rem;line-height:1;cursor:pointer;}

.nav-burger{display:none;background:none;border:none;width:30px;height:22px;position:relative;cursor:pointer;padding:0;flex-shrink:0;}
.nav-burger span{position:absolute;left:0;right:0;height:2px;background:#fff;transition:transform .25s ease, opacity .25s ease;}
.nav-burger span:nth-child(1){top:0;} .nav-burger span:nth-child(2){top:10px;} .nav-burger span:nth-child(3){top:20px;}
.nav-burger.open span:nth-child(1){transform:translateY(10px) rotate(45deg);}
.nav-burger.open span:nth-child(2){opacity:0;}
.nav-burger.open span:nth-child(3){transform:translateY(-10px) rotate(-45deg);}

#mobile-menu{position:fixed;inset:0;z-index:85;background:var(--navy);transform:translateX(100%);transition:transform .32s ease;overflow-y:auto;padding:96px 26px 40px;}
#mobile-menu.open{transform:translateX(0);}
.mm-group summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:16px 0;border-bottom:1px solid var(--line-l);color:#fff;font-size:1.02rem;font-weight:600;cursor:pointer;font-family:'Fraunces',serif;}
.mm-group summary::-webkit-details-marker{display:none;}
.mm-group[open] summary .chev{transform:rotate(180deg);}
.mm-group .mm-sub{padding:2px 0 10px 4px;}
.mm-group .mm-sub a{display:block;padding:9px 0 9px 12px;color:rgba(247,245,239,.7);text-decoration:none;font-size:.88rem;border-left:1px solid var(--line-l);}
.mm-top-link{display:block;padding:16px 0;border-bottom:1px solid var(--line-l);color:#fff;font-size:1.02rem;font-weight:600;text-decoration:none;font-family:'Fraunces',serif;}
.mm-ctas{margin-top:26px;display:flex;flex-direction:column;gap:12px;}

@media (max-width:900px){
  .nav-search-btn{display:none;}
  .nav-burger{display:block;}
  .nav-wa{display:none;}
}
@media (max-width:520px){
  .nav-right .btn-sm{padding:8px 12px;font-size:.72rem;}
}

/* sticky mobile utility bar */
#mobile-utility-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:75;background:rgba(7,17,31,.97);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-top:1px solid var(--line-l);padding:7px 6px calc(6px + env(safe-area-inset-bottom));}
.mub-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;}
.mub-grid a{display:flex;flex-direction:column;align-items:center;gap:3px;text-decoration:none;color:rgba(247,245,239,.7);font-size:.62rem;font-weight:600;letter-spacing:.01em;padding:5px 2px;border-radius:8px;}
.mub-grid svg{width:18px;height:18px;}
.mub-grid a.mub-primary{color:var(--gold-bright);}
@media (max-width:760px){ #mobile-utility-bar{display:block;} }

/* ============================================================
   SATELLITE PAGES — hero, breadcrumb, sections shared by
   /insurance/, /claims/, /learn/, /glossary/ pages
   ============================================================ */
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy-2));padding:150px 0 64px;position:relative;isolation:isolate;overflow:hidden;}
.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 70% at 80% 0%,rgba(201,164,92,.12),transparent 60%);}
.breadcrumb{display:flex;flex-wrap:wrap;gap:6px;font-family:'IBM Plex Mono',monospace;font-size:.72rem;color:rgba(247,245,239,.45);margin-bottom:22px;}
.breadcrumb a{color:rgba(247,245,239,.6);text-decoration:none;}
.breadcrumb a:hover{color:var(--gold);}
.breadcrumb .sep{color:rgba(247,245,239,.25);}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4.2vw,3.3rem);line-height:1.08;max-width:22ch;}
.page-hero .lead{margin-top:16px;color:rgba(247,245,239,.7);font-size:1.05rem;max-width:60ch;}
.page-hero .hero-ctas{margin-top:28px;}

.cat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;}
.cat-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:26px;text-decoration:none;color:inherit;transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;display:block;}
.cat-card:hover{transform:translateY(-4px);box-shadow:0 24px 50px -24px rgba(7,17,31,.28);border-color:var(--gold);}
.cat-card .cc-icon{width:46px;height:46px;border-radius:50%;border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold);margin-bottom:16px;}
.cat-card h3{font-size:1.08rem;margin-bottom:6px;}
.cat-card p{color:var(--muted);font-size:.86rem;line-height:1.55;}
.cat-card .cc-count{margin-top:12px;font-family:'IBM Plex Mono',monospace;font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);}

.prod-list-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:22px 24px;display:flex;flex-direction:column;gap:10px;}
.prod-list-card h4{font-size:1rem;}
.prod-list-card p{color:var(--muted);font-size:.85rem;line-height:1.55;flex:1;}
.prod-list-card .plc-cta{display:inline-flex;align-items:center;gap:6px;font-size:.8rem;font-weight:600;color:var(--gold);text-decoration:none;}
.prod-list-card.plc-deep{border-color:var(--gold);}
.prod-list-card .plc-badge{font-family:'IBM Plex Mono',monospace;font-size:.62rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);}

.pp-section{padding:64px 0;}
.pp-section.alt{background:var(--offwhite);}
.pp-num{font-family:'IBM Plex Mono',monospace;color:var(--gold);font-size:.78rem;letter-spacing:.1em;margin-bottom:10px;}
.pp-section h2{font-size:clamp(1.5rem,2.6vw,2.1rem);margin-bottom:14px;}
.pp-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;}
@media (max-width:820px){ .pp-grid-2{grid-template-columns:1fr;} }
.pp-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin-top:20px;}
.pp-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:20px;}
.pp-card h4{font-size:.94rem;margin-bottom:8px;display:flex;align-items:center;gap:8px;}
.pp-card h4 .icon{width:18px;height:18px;color:var(--gold);flex-shrink:0;}
.pp-card p{color:var(--muted);font-size:.83rem;line-height:1.55;}
.pp-checklist{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px 20px;margin-top:16px;}
.pp-checklist li{display:flex;gap:10px;font-size:.88rem;color:var(--ink);align-items:flex-start;}
.pp-checklist li::before{content:"";width:16px;height:16px;border:1px solid var(--gold);border-radius:4px;flex-shrink:0;margin-top:2px;}
.pp-steps{display:flex;flex-direction:column;gap:0;margin-top:22px;}
.pp-step{display:flex;gap:18px;padding:18px 0;border-bottom:1px solid var(--line);}
.pp-step:last-child{border-bottom:none;}
.pp-step .num{font-family:'Fraunces',serif;font-weight:700;font-size:1.4rem;color:var(--gold);width:40px;flex-shrink:0;}
.pp-step h4{font-size:.96rem;margin-bottom:4px;}
.pp-step p{color:var(--muted);font-size:.85rem;line-height:1.55;}
.risk-scenarios{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-top:20px;}
.risk-card{background:var(--navy);color:var(--offwhite);border-radius:10px;padding:22px;position:relative;overflow:hidden;isolation:isolate;}
.risk-card::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 60% at 100% 0%,rgba(201,164,92,.16),transparent 70%);}
.risk-card .rc-label{font-family:'IBM Plex Mono',monospace;font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-bright);margin-bottom:10px;}
.risk-card p{font-size:.86rem;color:rgba(247,245,239,.75);line-height:1.55;}
.pp-faq-item{border-bottom:1px solid var(--line);}
.pp-faq-item summary{list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 0;cursor:pointer;font-weight:600;font-size:.95rem;}
.pp-faq-item summary::-webkit-details-marker{display:none;}
.pp-faq-item summary .chev{color:var(--gold);transition:transform .2s ease;flex-shrink:0;}
.pp-faq-item[open] summary .chev{transform:rotate(180deg);}
.pp-faq-item .faq-a{padding:0 0 18px;color:var(--muted);font-size:.9rem;line-height:1.65;max-width:70ch;}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-top:20px;}
.related-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:20px;text-decoration:none;color:inherit;transition:border-color .2s ease, transform .2s ease;display:flex;flex-direction:column;gap:8px;}
.related-card:hover{border-color:var(--gold);transform:translateY(-3px);}
.related-card .rel-icon{width:34px;height:34px;border-radius:50%;background:var(--offwhite);display:flex;align-items:center;justify-content:center;color:var(--gold);}
.related-card h5{font-size:.9rem;}
.related-card span{font-size:.78rem;color:var(--muted);}
.pp-note{background:var(--gold-soft);border:1px solid rgba(201,164,92,.35);border-radius:8px;padding:16px 20px;font-size:.84rem;color:var(--ink);line-height:1.6;margin-top:16px;}
.pp-note strong{color:var(--ink);}
.pp-help{background:var(--navy);color:var(--offwhite);border-radius:14px;padding:44px;text-align:center;position:relative;overflow:hidden;isolation:isolate;}
.pp-help::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 90% at 50% 0%,rgba(201,164,92,.14),transparent 65%);}
.pp-help h3{color:#fff;font-size:1.5rem;margin-bottom:10px;}
.pp-help p{color:rgba(247,245,239,.7);max-width:52ch;margin:0 auto 26px;}
.pp-help .hero-ctas{justify-content:center;}

/* claims */
.claim-selector{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:26px;}
.claim-type-card{background:var(--white);border:2px solid var(--line);border-radius:12px;padding:24px 20px;cursor:pointer;text-align:left;font-family:inherit;transition:border-color .2s ease, transform .2s ease;}
.claim-type-card:hover{transform:translateY(-3px);}
.claim-type-card.active{border-color:var(--gold);background:var(--gold-soft);}
.claim-type-card .ctc-icon{width:42px;height:42px;border-radius:50%;border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold);margin-bottom:14px;}
.claim-type-card h4{font-size:.95rem;margin-bottom:4px;}
.claim-type-card p{font-size:.78rem;color:var(--muted);}
.claim-guidance{display:none;margin-top:40px;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:36px;}
.claim-guidance.active{display:block;}
.cg-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-top:24px;}
@media (max-width:820px){ .cg-grid{grid-template-columns:1fr;} }
.cg-block h5{font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;}
.cg-list{list-style:none;display:flex;flex-direction:column;gap:10px;}
.cg-list li{display:flex;gap:10px;font-size:.88rem;line-height:1.5;}
.cg-list.cg-do li::before{content:"✓";color:#0A5347;font-weight:700;flex-shrink:0;}
.cg-list.cg-dont li::before{content:"✕";color:#A33A3A;font-weight:700;flex-shrink:0;}
.cg-list.cg-doc li::before{content:"";width:14px;height:14px;border:1px solid var(--gold);border-radius:4px;flex-shrink:0;margin-top:3px;}
/* Big, high-contrast claim timeline — replaces the old cramped cf-step/cf-arrow diagram,
   which packed small text into a dense stack and was hard to read at a glance. */
.claim-timeline{position:relative;margin-top:30px;max-width:640px;}
.claim-timeline::before{content:"";position:absolute;left:27px;top:30px;bottom:30px;width:2px;background:linear-gradient(var(--gold),rgba(201,164,92,.15));}
.ct-step{position:relative;display:flex;gap:24px;align-items:flex-start;padding:22px 0;}
.ct-num{position:relative;z-index:1;width:54px;height:54px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:700;font-size:1.4rem;flex-shrink:0;box-shadow:0 10px 24px -8px rgba(201,164,92,.5);}
.ct-step h4{color:var(--ink);font-size:1.1rem;margin-bottom:6px;letter-spacing:.01em;}
.ct-step p{color:var(--muted);font-size:.92rem;line-height:1.6;max-width:48ch;}
@media (max-width:640px){ .claim-timeline::before{left:23px;} .ct-num{width:46px;height:46px;font-size:1.2rem;} .ct-step{gap:18px;} }
.claim-stage-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;}
.claim-stage{background:var(--offwhite);border:1px dashed var(--line);border-radius:20px;padding:8px 16px;font-size:.78rem;color:var(--muted);}

/* stats (disabled by default — see homepage comment) */
.stats-band{background:var(--navy);color:#fff;padding:70px 0;position:relative;isolation:isolate;overflow:hidden;}
.stats-band::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(50% 80% at 50% 0%,rgba(201,164,92,.1),transparent 65%);}
.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:30px;text-align:center;}
.stat-num{font-family:'Fraunces',serif;font-weight:700;font-size:clamp(2.2rem,4.5vw,3.2rem);color:var(--gold-bright);}
.stat-label{margin-top:8px;font-size:.85rem;color:rgba(247,245,239,.6);}

/* glossary */
.glossary-jump{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:36px;position:sticky;top:78px;background:var(--white);padding:14px 0;z-index:10;}
.glossary-jump a{width:32px;height:32px;border-radius:50%;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;text-decoration:none;color:var(--ink);}
.glossary-jump a:hover{border-color:var(--gold);color:var(--gold);}
.glossary-letter{font-family:'Fraunces',serif;font-weight:700;font-size:1.8rem;color:var(--gold);margin:36px 0 16px;scroll-margin-top:130px;}
.glossary-term{border-bottom:1px solid var(--line);padding:18px 0;scroll-margin-top:130px;}
.glossary-term dt{font-weight:700;font-size:1rem;margin-bottom:6px;}
.glossary-term dd{color:var(--muted);font-size:.9rem;line-height:1.6;margin:0;}
.glossary-term dd a{color:var(--gold);text-decoration:none;}

/* learn / article */
.article-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;}
.article-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:0;overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .2s ease, box-shadow .2s ease;}
.article-card:hover{transform:translateY(-4px);box-shadow:0 24px 50px -24px rgba(7,17,31,.28);}
.article-card .ac-tag{padding:20px 22px 0;font-family:'IBM Plex Mono',monospace;font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);}
.article-card h3{padding:8px 22px 0;font-size:1.05rem;line-height:1.4;}
.article-card p{padding:10px 22px 22px;color:var(--muted);font-size:.85rem;line-height:1.55;flex:1;}
.article-body{max-width:74ch;font-size:1rem;line-height:1.75;color:var(--ink);}
.article-body h2{font-size:1.5rem;margin:40px 0 14px;}
.article-body p{margin-bottom:18px;}
.article-body ul{margin:0 0 18px 22px;}
.article-body li{margin-bottom:8px;}
.video-card{background:var(--navy);border-radius:12px;overflow:hidden;position:relative;aspect-ratio:16/9;display:flex;align-items:center;justify-content:center;cursor:pointer;isolation:isolate;}
.video-card::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 80% at 50% 40%,rgba(201,164,92,.18),transparent 70%);}
.video-card .vc-play{width:60px;height:60px;border-radius:50%;background:rgba(201,164,92,.16);border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--gold-bright);font-size:1.3rem;}
.video-card .vc-title{position:absolute;left:20px;bottom:16px;right:20px;color:#fff;font-size:.9rem;font-weight:600;}
.video-card .vc-badge{position:absolute;top:16px;right:16px;background:rgba(7,17,31,.7);color:rgba(247,245,239,.7);font-family:'IBM Plex Mono',monospace;font-size:.62rem;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:20px;}

/* ============= PAN-INDIA MAP SECTION ============= */
.india-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:50px;align-items:center;}
@media (max-width:900px){ .india-wrap{grid-template-columns:1fr;} }
.india-copy h3{color:#fff;font-size:1.1rem;margin-bottom:12px;}
.india-copy p{color:rgba(247,245,239,.72);font-size:.95rem;line-height:1.7;max-width:48ch;}
.india-tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;}
.india-tag{border:1px solid rgba(201,164,92,.4);color:var(--gold-bright);font-size:.76rem;letter-spacing:.03em;padding:7px 14px;border-radius:20px;font-family:'IBM Plex Mono',monospace;}
.india-map-box{position:relative;isolation:isolate;}
#india-svg{width:100%;height:auto;display:block;}
.india-city-dot{fill:var(--gold-bright);}
.india-city-pulse{fill:none;stroke:var(--gold-bright);stroke-width:1;opacity:0;}
.india-line{fill:none;stroke:url(#india-line-grad);stroke-width:.6;opacity:.55;stroke-dasharray:4 3;}
.india-city-label{font-family:'IBM Plex Mono',monospace;font-size:5px;fill:rgba(247,245,239,.8);letter-spacing:.01em;}
.india-city-pulse{animation:india-pulse 2.6s ease-out infinite;}
.india-line{animation:india-dash 3.2s linear infinite;}
.india-glow-dot{fill:rgba(201,164,92,.55);animation:india-twinkle 3.4s ease-in-out infinite;}
.india-glow-dot:nth-child(3n){animation-delay:.6s;} .india-glow-dot:nth-child(3n+1){animation-delay:1.3s;} .india-glow-dot:nth-child(3n+2){animation-delay:2.1s;}
@keyframes india-pulse{0%{r:1.6;opacity:.65;stroke-width:1;}100%{r:7;opacity:0;stroke-width:.2;}}
@keyframes india-dash{to{stroke-dashoffset:-70;}}
@keyframes india-twinkle{0%,100%{opacity:.25;}50%{opacity:.85;}}
@media (prefers-reduced-motion: reduce){ .india-city-pulse,.india-line,.india-glow-dot{animation:none;} }

/* ==========================================================================
   Satellite-page components (product pages, /claims/, /learn/, /glossary/,
   /quote/) — shared here so every dedicated page looks consistent with the
   homepage without duplicating CSS per page.
   ========================================================================== */
.pg-hero{background:var(--navy);padding:156px 0 64px;color:#fff;position:relative;overflow:hidden;}
.pg-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 15% 0%, rgba(201,164,92,.14), transparent 55%);pointer-events:none;}
.pg-hero .eyebrow{color:var(--gold);}
.pg-hero h1{color:#fff;font-size:clamp(2rem,4vw,2.9rem);margin-top:10px;text-wrap:balance;}
.pg-hero .lede{color:rgba(247,245,239,.72);font-size:1.05rem;max-width:62ch;margin-top:16px;}
.pg-hero .hero-ctas{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap;}
.pg-crumb{color:rgba(247,245,239,.5);font-size:.78rem;font-family:'IBM Plex Mono',monospace;text-transform:uppercase;letter-spacing:.06em;position:relative;z-index:1;}
.pg-crumb a{color:rgba(247,245,239,.7);text-decoration:none;}
.pg-crumb a:hover{color:var(--gold);}
.pg-section{padding:64px 0;}
.pg-section.alt{background:var(--offwhite);}
.pg-section h2{font-size:1.5rem;}
.pg-section > .wrap > .eyebrow{color:var(--gold);}
.info-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-top:28px;}
.info-card{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:24px;}
.info-card h4{font-size:.98rem;margin:0 0 8px;}
.info-card p{color:var(--muted);font-size:.88rem;margin:0;}
.check-list,.cross-list{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:11px;}
.check-list li,.cross-list li{padding-left:26px;position:relative;font-size:.92rem;line-height:1.55;}
.check-list li::before{content:"✓";position:absolute;left:0;top:1px;color:var(--gold);font-weight:700;}
.check-list.neutral li::before{content:"•";color:var(--gold);}
.cross-list li{color:var(--muted);}
.cross-list li::before{content:"–";position:absolute;left:0;color:#a4483f;font-weight:700;}
.doc-list{list-style:none;padding:0;margin:22px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px;}
.doc-list li{padding:12px 16px;background:var(--white);border:1px solid var(--line);border-radius:8px;font-size:.86rem;}
.faq-list{margin-top:10px;}
.faq-item{border-bottom:1px solid var(--line);padding:17px 0;}
.faq-item summary{cursor:pointer;font-weight:600;font-size:.96rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";color:var(--gold);font-size:1.3rem;line-height:1;flex-shrink:0;}
.faq-item[open] summary::after{content:"–";}
.faq-item p{margin-top:12px;color:var(--muted);font-size:.9rem;line-height:1.6;}
.hedge-note{background:var(--gold-soft);border-left:3px solid var(--gold);padding:15px 20px;border-radius:0 8px 8px 0;font-size:.84rem;color:var(--ink);margin-top:30px;line-height:1.6;}
.cta-band{background:var(--navy);padding:66px 0;text-align:center;color:#fff;}
.cta-band h2{color:#fff;font-size:1.7rem;}
.cta-band .muted{color:rgba(247,245,239,.65);max-width:52ch;margin:12px auto 0;}
.cta-band .hero-ctas{justify-content:center;margin-top:26px;}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;margin-top:28px;}
.related-grid .p-card{padding:24px;}
.pg-visual{margin-top:36px;border-radius:14px;overflow:hidden;background:var(--navy);padding:40px;}
.video-placeholder{margin-top:30px;border:1px dashed var(--line);border-radius:12px;padding:34px;text-align:center;background:var(--white);}
.video-placeholder .vp-icon{width:52px;height:52px;border-radius:50%;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;margin:0 auto 14px;color:var(--gold);font-size:1.3rem;}
.video-placeholder h4{margin:0 0 6px;font-size:.96rem;}
.video-placeholder p{color:var(--muted);font-size:.85rem;margin:0;}
.category-strip{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px;}
.category-chip{padding:9px 18px;border-radius:999px;border:1px solid var(--line);font-size:.82rem;font-weight:600;color:var(--ink);text-decoration:none;background:var(--white);transition:border-color .15s ease,color .15s ease;}
.category-chip:hover{border-color:var(--gold);color:var(--gold);}
@media (max-width:640px){
  .pg-hero{padding:130px 0 48px;}
  .cta-band .hero-ctas{flex-direction:column;align-items:stretch;}
  .cta-band .hero-ctas .btn{width:100%;text-align:center;}
}

/* Lightweight per-category "visual education" flow strip (SVG/CSS, no 3D —
   chosen for load performance; see build.py PRODUCT_DATA for per-product
   step content). */
.flow-strip{display:flex;align-items:center;gap:0;margin-top:34px;overflow-x:auto;padding-bottom:6px;}
.flow-node{flex:0 0 auto;display:flex;flex-direction:column;align-items:center;text-align:center;width:118px;}
.flow-node .fn-icon{width:58px;height:58px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;color:var(--gold);box-shadow:0 14px 30px -18px rgba(7,17,31,.5);}
.flow-node .fn-icon .icon{width:26px;height:26px;}
.flow-node span{display:block;font-size:.78rem;font-weight:600;margin-top:10px;color:var(--ink);line-height:1.3;}
/* Inside a dark hero (pg-hero) the strip sits on navy, so both the icon
   roundel and its label need light-on-dark treatment instead. */
.pg-hero .flow-node .fn-icon{background:rgba(255,255,255,.08);box-shadow:none;}
.pg-hero .flow-node span{color:rgba(247,245,239,.82);}
.pg-hero .flow-arrow{background:repeating-linear-gradient(90deg,var(--gold) 0 6px,transparent 6px 12px);}
.flow-arrow{flex:1 1 auto;min-width:24px;height:2px;background:repeating-linear-gradient(90deg,var(--gold) 0 6px,transparent 6px 12px);margin:0 -2px 30px;position:relative;}
.flow-arrow::after{content:"";position:absolute;right:0;top:50%;width:0;height:0;border-left:6px solid var(--gold);border-top:4px solid transparent;border-bottom:4px solid transparent;transform:translateY(-50%);}
@media (max-width:640px){ .flow-node{width:92px;} .flow-node .fn-icon{width:46px;height:46px;} .flow-node .fn-icon .icon{width:20px;height:20px;} }