/* ===========================================================================
   InsureSave NZ — Editorial & Human design system
   Warm paper + ink, deep-pine accent, Fraunces serif display + Inter.
   Photography-led, generous whitespace, gentle motion.
   =========================================================================== */

:root{
  /* paper & ink */
  --paper:      #FAF6EF;   /* warm cream page */
  --paper-2:    #F2EADD;   /* deeper cream band */
  --paper-3:    #ECE2D2;
  --card:       #FFFFFF;
  --ink:        #1A1815;   /* warm near-black */
  --ink-2:      #45413A;
  --muted:      #756F64;
  --muted-2:    #9A9488;

  /* accent — one confident colour */
  --accent:        #15503B;  /* deep pine */
  --accent-2:      #1C6B4F;
  --accent-3:      #0E3E2D;
  --accent-wash:   #E8F0EA;  /* soft green tint */
  --accent-line:   rgba(21,80,59,0.20);
  --gold:          #A9803F;  /* warm secondary, used sparingly */
  --gold-soft:     #EFE4D2;

  --line:        rgba(26,24,21,0.12);
  --line-soft:   rgba(26,24,21,0.07);

  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 22px;
  --r-xl: 32px;
  --r-pill: 100px;

  --container: 1200px;
  --measure: 680px;
  --gutter: clamp(22px, 5vw, 56px);

  --shadow-sm: 0 1px 3px rgba(26,24,21,0.06), 0 1px 2px rgba(26,24,21,0.04);
  --shadow-md: 0 10px 30px rgba(26,24,21,0.09), 0 3px 10px rgba(26,24,21,0.05);
  --shadow-lg: 0 30px 70px rgba(26,24,21,0.16), 0 10px 26px rgba(26,24,21,0.09);

  --serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --ease: cubic-bezier(.2,.7,.2,1);

  --fs-display: clamp(44px, 6.4vw, 86px);
  --fs-h1:      clamp(36px, 5vw, 60px);
  --fs-h2:      clamp(30px, 3.6vw, 46px);
  --fs-h3:      clamp(21px, 1.7vw, 26px);
  --fs-lead:    clamp(18px, 1.4vw, 22px);
  --fs-body:    17px;
}

*{ box-sizing:border-box; margin:0; padding:0; }
html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
body{
  font-family:var(--sans); font-size:var(--fs-body); line-height:1.68;
  color:var(--ink-2); background:var(--paper);
  -webkit-font-smoothing:antialiased; text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{ max-width:100%; display:block; }
a{ color:var(--accent); text-decoration:none; transition:color .2s var(--ease); }
a:hover{ color:var(--accent-3); }
h1,h2,h3,h4{ font-family:var(--serif); color:var(--ink); font-weight:400; line-height:1.06; letter-spacing:-0.015em; text-wrap:balance; }
h1 em, h2 em{ font-style:italic; color:var(--accent); }
p{ text-wrap:pretty; }
::selection{ background:var(--accent); color:#fff; }
:focus-visible{ outline:2px solid var(--accent); outline-offset:3px; border-radius:2px; }
/* keep in-page anchor targets clear of the sticky nav */
section[id], [id].lead-card{ scroll-margin-top:100px; }

.container{ width:100%; max-width:var(--container); margin:0 auto; padding-left:var(--gutter); padding-right:var(--gutter); }
.container-narrow{ max-width:820px; }
.section{ padding:clamp(64px,9vw,128px) 0; }
.section-sm{ padding:clamp(44px,6vw,80px) 0; }
.center{ text-align:center; }
.measure{ max-width:var(--measure); }
.center .measure{ margin-left:auto; margin-right:auto; }

/* ---------- eyebrow / titles ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:9px;
  font-family:var(--sans); font-size:12.5px; font-weight:600; letter-spacing:.16em; text-transform:uppercase;
  color:var(--accent); margin-bottom:22px;
}
.eyebrow::before{ content:''; width:26px; height:1.5px; background:var(--gold); display:inline-block; }
.eyebrow.no-rule::before{ display:none; }
.section-title{ font-size:var(--fs-h2); margin-bottom:20px; }
.section-sub{ font-size:var(--fs-lead); color:var(--muted); max-width:var(--measure); line-height:1.55; }
.center .section-sub{ margin-left:auto; margin-right:auto; }
.kicker{ font-family:var(--sans); font-size:13px; font-weight:600; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); }

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-family:var(--sans); font-weight:600; font-size:15.5px; letter-spacing:.005em;
  padding:15px 28px; border-radius:var(--r-pill); border:1.5px solid transparent;
  cursor:pointer; transition:transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
  white-space:nowrap;
}
.btn .arrow{ transition:transform .25s var(--ease); }
.btn:hover .arrow{ transform:translateX(4px); }
.btn-primary{ background:var(--accent); color:#fff; }
.btn-primary:hover{ background:var(--accent-3); color:#fff; transform:translateY(-2px); box-shadow:0 14px 30px rgba(21,80,59,0.28); }
.btn-ink{ background:var(--ink); color:var(--paper); }
.btn-ink:hover{ background:#000; color:#fff; transform:translateY(-2px); }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--line); }
.btn-ghost:hover{ border-color:var(--ink); background:rgba(26,24,21,0.03); color:var(--ink); }
.btn-light{ background:rgba(255,255,255,0.14); color:#fff; border-color:rgba(255,255,255,0.42); backdrop-filter:blur(4px); }
.btn-light:hover{ background:rgba(255,255,255,0.22); color:#fff; transform:translateY(-2px); }
.btn-lg{ padding:17px 34px; font-size:16.5px; }
.btn-block{ width:100%; }
.link-arrow{ display:inline-flex; align-items:center; gap:7px; font-weight:600; font-size:15.5px; color:var(--accent); }
.link-arrow .arrow{ transition:transform .2s var(--ease); }
.link-arrow:hover .arrow{ transform:translateX(4px); }

/* ---------- nav ---------- */
.nav{ position:sticky; top:0; left:0; right:0; z-index:60;
  background:rgba(250,246,239,0.86); backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid var(--line-soft); transition:background .3s var(--ease), border-color .3s var(--ease); }
.nav.on-image{ background:transparent; backdrop-filter:none; border-bottom-color:transparent; }
.nav.on-image.solid{ background:rgba(250,246,239,0.9); backdrop-filter:saturate(160%) blur(14px); border-bottom-color:var(--line-soft); }
.nav-inner{ display:flex; align-items:center; justify-content:space-between; height:80px; }
.brand{ display:flex; align-items:center; gap:11px; font-family:var(--serif); font-weight:500; font-size:23px; letter-spacing:-0.01em; color:var(--ink); }
.brand:hover{ color:var(--ink); }
.brand-mark{ width:34px; height:34px; flex:0 0 auto; }
.brand-mark svg{ width:100%; height:100%; display:block; }
.brand b{ font-weight:600; color:var(--accent); }
.nav.on-image:not(.solid) .brand, .nav.on-image:not(.solid) .nav-links a{ color:#fff; }
.nav.on-image:not(.solid) .brand b{ color:#fff; }
/* legibility over photography */
.nav.on-image:not(.solid) .brand,
.nav.on-image:not(.solid) .nav-links a,
.nav.on-image:not(.solid) .btn-ghost{ text-shadow:0 1px 14px rgba(0,0,0,0.5); }
.nav.on-image:not(.solid) .brand-mark{ filter:drop-shadow(0 2px 8px rgba(0,0,0,0.45)); }
/* mobile-only CTA inside the open menu */
.nav-mobile-cta{ display:none; }
.nav-links{ display:flex; align-items:center; gap:30px; }
.nav-links a{ color:var(--ink-2); font-weight:500; font-size:15.5px; }
.nav-links a:hover{ color:var(--accent); }
.nav-cta{ display:flex; align-items:center; gap:14px; }
.nav.on-image:not(.solid) .btn-ghost{ color:#fff; border-color:rgba(255,255,255,0.45); }
.nav-toggle{ display:none; background:none; border:0; cursor:pointer; padding:8px; }
.nav-toggle span{ display:block; width:24px; height:2px; background:var(--ink); margin:5px 0; transition:.25s var(--ease); }
.nav.on-image:not(.solid) .nav-toggle span{ background:#fff; }

.has-dd{ position:relative; }
.dd-panel{
  position:absolute; top:calc(100% + 16px); left:50%; transform:translateX(-50%) translateY(8px);
  background:var(--card); border:1px solid var(--line-soft); border-radius:var(--r-md);
  box-shadow:var(--shadow-lg); padding:12px; width:380px; display:flex; flex-direction:column; gap:2px;
  opacity:0; visibility:hidden; transition:.22s var(--ease); z-index:70;
}
.has-dd:hover .dd-panel{ opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
.dd-item{ display:flex; gap:12px; align-items:center; padding:11px 13px; border-radius:var(--r-sm); }
.dd-item:hover{ background:var(--accent-wash); }
.dd-item .ic{ width:30px; height:30px; flex:0 0 auto; color:var(--accent); }
.dd-item b{ display:block; color:var(--ink); font-size:15px; font-weight:600; font-family:var(--sans); }
.dd-item span{ font-size:12.5px; color:var(--muted); line-height:1.4; }

/* ---------- hero (full-bleed image) ---------- */
.hero{ position:relative; margin-top:-80px; min-height:clamp(640px,92vh,900px); display:flex; align-items:flex-end; color:#fff; overflow:hidden; }
.hero-img{ position:absolute; inset:0; }
.hero-img img{ width:100%; height:100%; object-fit:cover; object-position:center 30%; }
.hero-scrim{ position:absolute; inset:0; background:
  linear-gradient(180deg, rgba(11,20,15,0.58) 0%, rgba(14,26,20,0.16) 22%, rgba(13,24,19,0.10) 48%, rgba(10,19,14,0.84) 100%),
  radial-gradient(130% 90% at 0% 100%, rgba(9,18,13,0.55), transparent 58%); }
.hero-inner{ position:relative; z-index:2; width:100%; padding-bottom:clamp(64px,8vw,110px); padding-top:130px; }
.hero h1{ color:#fff; font-size:var(--fs-display); max-width:16ch; margin-bottom:24px; font-weight:400; }
.hero h1 em{ color:#fff; }
.hero .lead{ color:rgba(255,255,255,0.9); font-size:var(--fs-lead); max-width:54ch; margin-bottom:34px; }
.hero-cta{ display:flex; flex-wrap:wrap; gap:16px; align-items:center; }
.hero-note{ margin-top:30px; display:flex; flex-wrap:wrap; gap:14px 30px; }
.hero-note li{ display:flex; align-items:center; gap:9px; font-size:14.5px; color:rgba(255,255,255,0.92); font-weight:500; }
.hero-note .ic{ width:18px; height:18px; color:#fff; flex:0 0 auto; opacity:.9; }

/* ---------- floating enquiry / lead card ---------- */
.lead-card{
  background:var(--card); border:1px solid var(--line-soft); border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg); padding:clamp(26px,2.6vw,38px); position:relative;
}
.lead-card-head{ margin-bottom:22px; }
.lead-card-head .eyebrow{ margin-bottom:14px; }
.lead-card-head h3{ font-size:clamp(24px,2vw,30px); margin-bottom:8px; }
.lead-card-head p{ font-size:15px; color:var(--muted); }
.lead-form{ display:flex; flex-direction:column; gap:14px; }
.field{ display:flex; flex-direction:column; gap:7px; }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.field label{ font-size:13px; font-weight:600; color:var(--ink); letter-spacing:.01em; }
.field input, .field select, .field textarea{
  width:100%; padding:14px 16px; font-size:15.5px; font-family:inherit; color:var(--ink);
  background:var(--paper); border:1px solid var(--line); border-radius:var(--r-sm); transition:.18s var(--ease); appearance:none;
}
.field select{ background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23756F64' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 16px center; padding-right:40px; }
.field input::placeholder, .field textarea::placeholder{ color:var(--muted-2); }
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color:var(--accent); background:#fff; box-shadow:0 0 0 4px var(--accent-wash); }
.field textarea{ resize:vertical; min-height:96px; }
.consent{ display:flex; gap:11px; align-items:flex-start; font-size:12.5px; color:var(--muted); line-height:1.55; }
.consent input{ width:17px; height:17px; margin-top:2px; flex:0 0 auto; accent-color:var(--accent); }
.hp{ position:absolute; left:-9999px; opacity:0; height:0; width:0; }
.form-status{ font-size:14.5px; padding:13px 16px; border-radius:var(--r-sm); display:none; line-height:1.5; }
.form-status.show{ display:block; }
.form-status.ok{ background:var(--accent-wash); color:var(--accent-3); }
.form-status.err{ background:#F8E9E4; color:#9A3B22; }
.form-fine{ font-size:11.5px; color:var(--muted-2); text-align:center; margin-top:2px; }

/* hero overlap layout */
.hero-overlap{ position:relative; z-index:5; margin-top:clamp(-120px,-9vw,-90px); }
.hero-overlap .container{ display:grid; grid-template-columns:1.05fr 0.95fr; gap:clamp(32px,4vw,64px); align-items:start; }
.intro-col h2{ font-size:var(--fs-h2); margin-bottom:18px; }
.intro-col p{ font-size:var(--fs-lead); color:var(--muted); margin-bottom:18px; max-width:46ch; }

/* ---------- trust strip ---------- */
.trust-strip{ background:var(--ink); color:rgba(255,255,255,0.78); }
.trust-strip .container{ display:flex; flex-wrap:wrap; justify-content:center; align-items:center; gap:16px 44px; padding:26px var(--gutter); }
.trust-strip li{ display:flex; align-items:center; gap:10px; font-size:14.5px; font-weight:500; letter-spacing:.01em; }
.trust-strip .ic{ width:19px; height:19px; color:var(--gold); flex:0 0 auto; }

/* ---------- product showcase (alternating image rows) ---------- */
.showcase{ display:flex; flex-direction:column; gap:clamp(56px,8vw,104px); }
.show-row{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(36px,5vw,80px); align-items:center; }
.show-row.flip .show-media{ order:2; }
.show-media{ position:relative; }
.show-media img{ width:100%; aspect-ratio:5/4; object-fit:cover; border-radius:var(--r-lg); box-shadow:var(--shadow-md); }
.show-media .badge{ position:absolute; left:24px; bottom:24px; background:var(--card); border-radius:var(--r-md); padding:14px 18px; box-shadow:var(--shadow-md); display:flex; align-items:center; gap:12px; }
.show-media .badge .ic{ width:34px; height:34px; color:var(--accent); flex:0 0 auto; }
.show-media .badge b{ display:block; font-family:var(--sans); font-size:15px; color:var(--ink); }
.show-media .badge span{ font-size:12.5px; color:var(--muted); }
.show-copy .eyebrow{ margin-bottom:16px; }
.show-copy h3{ font-size:var(--fs-h2); margin-bottom:16px; }
.show-copy p{ color:var(--muted); font-size:17px; margin-bottom:18px; max-width:44ch; }
.show-copy .mini-list{ display:flex; flex-direction:column; gap:11px; margin:0 0 24px; }
.show-copy .mini-list li{ display:flex; gap:11px; align-items:flex-start; font-size:15.5px; color:var(--ink-2); }
.show-copy .mini-list .ic{ width:20px; height:20px; color:var(--accent); flex:0 0 auto; margin-top:3px; }

/* ---------- type cards grid (compact index) ---------- */
.grid{ display:grid; gap:24px; }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.type-card{ display:flex; flex-direction:column; gap:14px; background:var(--card); border:1px solid var(--line-soft); border-radius:var(--r-md); padding:30px 28px; transition:.3s var(--ease); }
.type-card:hover{ transform:translateY(-5px); box-shadow:var(--shadow-md); }
.type-card .ic-wrap{ width:54px; height:54px; border-radius:14px; background:var(--accent-wash); display:flex; align-items:center; justify-content:center; color:var(--accent); }
.type-card .ic-wrap svg{ width:28px; height:28px; }
.type-card h3{ font-size:var(--fs-h3); }
.type-card p{ font-size:15px; color:var(--muted); flex:1; line-height:1.6; }

/* ---------- steps ---------- */
.steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:clamp(28px,3vw,44px); }
.step{ position:relative; }
.step .step-num{ font-family:var(--serif); font-size:46px; color:var(--accent); line-height:1; margin-bottom:18px; display:block; }
.step .step-num small{ color:var(--gold); }
.step h3{ font-size:var(--fs-h3); margin-bottom:10px; }
.step p{ font-size:15.5px; color:var(--muted); }

/* ---------- stats ---------- */
.stats{ display:grid; grid-template-columns:repeat(4,1fr); gap:clamp(24px,3vw,48px); }
.stat .num{ font-family:var(--serif); font-weight:400; font-size:clamp(40px,4.4vw,60px); color:var(--ink); line-height:1; letter-spacing:-0.02em; }
.stat .num em{ font-style:normal; color:var(--accent); }
.stat .lbl{ font-size:14.5px; color:var(--muted); margin-top:12px; max-width:22ch; }

/* ---------- quote / testimonial ---------- */
.quote-block{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:clamp(36px,5vw,72px); align-items:center; }
.quote-block .q-media img{ width:100%; aspect-ratio:4/5; object-fit:cover; border-radius:var(--r-lg); box-shadow:var(--shadow-md); }
.quote-block blockquote{ font-family:var(--serif); font-size:clamp(24px,2.6vw,36px); line-height:1.32; color:var(--ink); letter-spacing:-0.01em; }
.quote-block .q-author{ margin-top:24px; font-family:var(--sans); }
.quote-block .q-author b{ display:block; color:var(--ink); font-size:16px; }
.quote-block .q-author span{ color:var(--muted); font-size:14px; }

/* ---------- band (dark cta) ---------- */
.band{ background:var(--accent-3); color:#fff; border-radius:var(--r-xl); padding:clamp(44px,6vw,84px); position:relative; overflow:hidden; }
.band::before{ content:''; position:absolute; inset:0; background:radial-gradient(80% 120% at 100% 0%, rgba(169,128,63,0.30), transparent 55%); }
.band > *{ position:relative; }
.band .eyebrow{ color:var(--gold-soft); }
.band .eyebrow::before{ background:var(--gold); }
.band h2{ color:#fff; font-size:var(--fs-h2); margin-bottom:18px; max-width:18ch; }
.band p{ color:rgba(255,255,255,0.82); font-size:var(--fs-lead); max-width:52ch; }
.band .btn-row{ margin-top:32px; display:flex; flex-wrap:wrap; gap:16px; }

/* ---------- faq ---------- */
.faq-list{ max-width:860px; margin:0 auto; }
.faq{ border-bottom:1px solid var(--line); }
.faq summary{ list-style:none; cursor:pointer; padding:26px 4px; font-family:var(--serif); font-weight:400; color:var(--ink); font-size:clamp(19px,1.6vw,23px); display:flex; justify-content:space-between; align-items:center; gap:20px; }
.faq summary::-webkit-details-marker{ display:none; }
.faq summary::after{ content:''; width:14px; height:14px; flex:0 0 auto; background:var(--accent); -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 5v14M5 12h14' stroke='black' stroke-width='2.4' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat; mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 5v14M5 12h14' stroke='black' stroke-width='2.4' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat; transition:transform .25s var(--ease); }
.faq[open] summary::after{ transform:rotate(45deg); }
.faq .faq-body{ padding:0 4px 26px; color:var(--muted); font-size:16px; max-width:70ch; line-height:1.7; }

/* ---------- prose (type & legal) ---------- */
.prose{ max-width:var(--measure); }
.prose > p:first-of-type{ font-size:var(--fs-lead); color:var(--ink-2); }
.prose h2{ font-size:clamp(26px,2.6vw,34px); margin:48px 0 16px; }
.prose h3{ font-size:var(--fs-h3); margin:32px 0 12px; }
.prose p{ margin-bottom:18px; }
.prose a{ font-weight:600; text-decoration:underline; text-underline-offset:3px; text-decoration-color:var(--accent-line); }
.prose ul.bullets{ margin:0 0 22px; display:flex; flex-direction:column; gap:13px; }
.prose ul.bullets li{ position:relative; padding-left:34px; color:var(--ink-2); }
.prose ul.bullets li::before{ content:''; position:absolute; left:0; top:2px; width:22px; height:22px; background:var(--accent-wash); border-radius:50%; }
.prose ul.bullets li::after{ content:''; position:absolute; left:7px; top:8px; width:7px; height:4px; border-left:2px solid var(--accent); border-bottom:2px solid var(--accent); transform:rotate(-45deg); }

.callout{ background:var(--accent-wash); border-left:3px solid var(--accent); border-radius:0 var(--r-sm) var(--r-sm) 0; padding:22px 26px; margin:28px 0; font-size:16px; color:var(--ink-2); }
.callout b{ color:var(--accent-3); }

.covers{ display:grid; grid-template-columns:repeat(2,1fr); gap:16px; margin:24px 0; }
.cover-item{ display:flex; gap:13px; align-items:flex-start; background:var(--card); border:1px solid var(--line-soft); border-radius:var(--r-md); padding:18px 20px; }
.cover-item .ic{ width:24px; height:24px; color:var(--accent); flex:0 0 auto; margin-top:2px; }
.cover-item b{ display:block; color:var(--ink); font-size:15.5px; font-family:var(--sans); margin-bottom:2px; }
.cover-item span{ font-size:14px; color:var(--muted); line-height:1.5; }

.chips{ display:flex; flex-wrap:wrap; gap:12px; }
.chip{ display:inline-flex; align-items:center; gap:9px; padding:11px 18px; border:1px solid var(--line); border-radius:var(--r-pill); font-size:14.5px; font-weight:500; color:var(--ink-2); background:var(--card); transition:.2s var(--ease); }
.chip:hover{ border-color:var(--accent); color:var(--accent-3); background:var(--accent-wash); }
.chip .ic{ width:17px; height:17px; color:var(--accent); }

/* ---------- page hero (sub pages, split with image) ---------- */
.page-hero{ background:var(--paper-2); border-bottom:1px solid var(--line-soft); }
.page-hero .container{ display:grid; grid-template-columns:1.1fr 0.9fr; gap:clamp(32px,5vw,72px); align-items:center; padding-top:clamp(120px,12vw,150px); padding-bottom:clamp(56px,7vw,88px); }
.page-hero h1{ font-size:var(--fs-h1); margin-bottom:20px; }
.page-hero .lead{ font-size:var(--fs-lead); color:var(--muted); max-width:50ch; }
.page-hero .ph-media img{ width:100%; aspect-ratio:4/3; object-fit:cover; border-radius:var(--r-lg); box-shadow:var(--shadow-md); }
.breadcrumb{ font-size:13px; color:var(--muted); margin-bottom:18px; letter-spacing:.01em; }
.breadcrumb a{ color:var(--muted); }
.breadcrumb a:hover{ color:var(--accent); }
.page-hero .hero-cta{ margin-top:28px; }
.page-hero .eyebrow{ margin-bottom:18px; }

.split{ display:grid; grid-template-columns:1fr 380px; gap:clamp(40px,5vw,72px); align-items:start; }
.split > *{ min-width:0; }
.split aside{ position:sticky; top:104px; }

/* ---------- footer ---------- */
.footer{ background:var(--ink); color:rgba(255,255,255,0.66); padding:clamp(64px,7vw,96px) 0 36px; }
.footer a{ color:rgba(255,255,255,0.66); }
.footer a:hover{ color:#fff; }
.footer-grid{ display:grid; grid-template-columns:1.7fr 1fr 1fr 1fr; gap:40px; margin-bottom:48px; }
.footer-brand .brand{ color:#fff; margin-bottom:16px; }
.footer-brand .brand b{ color:#fff; }
.footer-brand p{ font-size:14.5px; max-width:320px; color:rgba(255,255,255,0.55); line-height:1.65; }
.footer h4{ color:#fff; font-family:var(--sans); font-size:13px; font-weight:600; letter-spacing:.08em; text-transform:uppercase; margin-bottom:16px; }
.footer ul{ display:flex; flex-direction:column; gap:11px; }
.footer ul a{ font-size:14.5px; }
.footer-bot{ border-top:1px solid rgba(255,255,255,0.12); padding-top:26px; display:flex; flex-wrap:wrap; justify-content:space-between; gap:16px; font-size:13px; color:rgba(255,255,255,0.45); }
.footer-disclaimer{ font-size:12px; color:rgba(255,255,255,0.38); line-height:1.7; margin-top:20px; max-width:900px; }

/* ---------- motion ---------- */
[data-reveal]{ opacity:0; transform:translateY(26px); transition:opacity .8s var(--ease), transform .8s var(--ease); }
[data-reveal].in{ opacity:1; transform:none; }
[data-reveal][data-delay="1"]{ transition-delay:.08s; }
[data-reveal][data-delay="2"]{ transition-delay:.16s; }
[data-reveal][data-delay="3"]{ transition-delay:.24s; }
@media (prefers-reduced-motion:reduce){ [data-reveal]{ opacity:1; transform:none; transition:none; } html{ scroll-behavior:auto; } }

/* utilities */
.bg-paper-2{ background:var(--paper-2); }
.bg-paper-3{ background:var(--paper-3); }
.bg-ink{ background:var(--ink); color:rgba(255,255,255,0.8); }
.divider{ height:1px; background:var(--line); border:0; }
/* image cohesion — hairline frame + consistent depth */
.show-media img, .ph-media img, .q-media img{ box-shadow:var(--shadow-md), inset 0 0 0 1px rgba(26,24,21,0.06); }

/* ---------- email enquiry card ---------- */
.email-points{ display:flex; flex-direction:column; gap:11px; margin:20px 0 14px; }
.email-points li{ display:flex; align-items:center; gap:11px; font-size:14.5px; font-weight:500; color:var(--ink-2); }
.email-points .ic{ width:19px; height:19px; color:var(--accent); flex:0 0 auto; }
.email-card .btn-block{ margin-top:4px; }

/* ---------- responsive images ---------- */
picture{ display:contents; }

/* ---------- skip link ---------- */
.skip-link{ position:absolute; left:-9999px; top:0; z-index:200; background:var(--ink); color:#fff; padding:12px 18px; border-radius:0 0 var(--r-sm) 0; font-weight:600; }
.skip-link:focus{ left:0; }

/* ---------- multi-step quiz ---------- */
.quiz .quiz-head{ margin-bottom:22px; }
.quiz-head h3{ font-size:clamp(23px,2vw,29px); margin-bottom:4px; }
.quiz-progress{ height:5px; background:var(--paper-2); border-radius:100px; overflow:hidden; margin:18px 0 9px; }
.quiz-bar{ display:block; height:100%; width:33.33%; background:var(--accent); border-radius:100px; transition:width .4s var(--ease); }
.quiz-stepinfo{ font-size:12.5px; color:var(--muted); }
.quiz-stepinfo b{ color:var(--ink); }
.quiz-step{ display:none; }
.quiz-step.is-active{ display:block; animation:quizIn .35s var(--ease); }
@keyframes quizIn{ from{ opacity:0; transform:translateY(10px); } to{ opacity:1; transform:none; } }
.quiz-q{ font-family:var(--serif); font-size:21px; color:var(--ink); margin-bottom:16px; letter-spacing:-0.01em; }
.opt-grid{ display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.opt-grid-1{ grid-template-columns:1fr; }
.opt{ display:flex; align-items:center; gap:12px; text-align:left; padding:15px 16px; border:1px solid var(--line); border-radius:var(--r-sm); background:var(--paper); cursor:pointer; font-family:inherit; color:var(--ink); transition:.18s var(--ease); }
.opt:hover{ border-color:var(--accent); background:var(--accent-wash); }
.opt.is-selected{ border-color:var(--accent); background:var(--accent-wash); box-shadow:0 0 0 3px var(--accent-wash); }
.opt-ic{ width:26px; height:26px; color:var(--accent); flex:0 0 auto; }
.opt-ic svg{ width:100%; height:100%; }
.opt-label{ font-size:14.5px; font-weight:500; line-height:1.3; }
.quiz-back{ margin-top:18px; background:none; border:0; color:var(--muted); font-family:inherit; font-weight:600; font-size:14px; cursor:pointer; padding:0; }
.quiz-back:hover{ color:var(--accent); }
.quiz-actions{ display:flex; gap:12px; margin-top:4px; }
.quiz-actions .btn-primary{ flex:1; }
.quiz-actions .btn-ghost{ flex:0 0 auto; }

/* ---------- disclosure / compliance strip ---------- */
.disclosure{ background:var(--paper-2); border-top:1px solid var(--line-soft); }
.disclosure-inner{ display:flex; gap:15px; align-items:flex-start; padding:26px var(--gutter); }
.disclosure .ic{ width:28px; height:28px; color:var(--accent); flex:0 0 auto; margin-top:1px; }
.disclosure p{ font-size:13.5px; color:var(--muted); margin:0; line-height:1.6; max-width:none; }
.disclosure b{ color:var(--ink-2); }

/* ---------- sticky mobile CTA ---------- */
.sticky-cta{ display:none; position:fixed; left:0; right:0; bottom:0; z-index:80; padding:11px var(--gutter) calc(11px + env(safe-area-inset-bottom)); background:rgba(250,246,239,0.92); backdrop-filter:saturate(160%) blur(12px); border-top:1px solid var(--line); }

/* ---------- consent banner ---------- */
.consent-banner{ position:fixed; left:16px; right:16px; bottom:16px; z-index:120; max-width:600px; margin:0 auto; background:var(--ink); color:rgba(255,255,255,0.85); padding:18px 20px; border-radius:var(--r-md); box-shadow:var(--shadow-lg); display:flex; flex-wrap:wrap; align-items:center; gap:14px; justify-content:space-between; }
.consent-banner[hidden]{ display:none; }
.consent-banner p{ font-size:13.5px; margin:0; flex:1; min-width:220px; line-height:1.5; }
.consent-banner a{ color:#fff; text-decoration:underline; }
.consent-actions{ display:flex; gap:10px; }
.consent-banner .btn{ padding:10px 18px; font-size:14px; }
.consent-banner .btn-ghost{ color:#fff; border-color:rgba(255,255,255,0.4); }
.consent-banner .btn-ghost:hover{ background:rgba(255,255,255,0.1); color:#fff; }

/* ---------- guide cards ---------- */
.guide-card{ display:flex; flex-direction:column; background:var(--card); border:1px solid var(--line-soft); border-radius:var(--r-md); overflow:hidden; transition:.3s var(--ease); }
.guide-card:hover{ transform:translateY(-5px); box-shadow:var(--shadow-md); }
.guide-card-media{ aspect-ratio:16/10; overflow:hidden; }
.guide-card-media img{ width:100%; height:100%; object-fit:cover; transition:transform .5s var(--ease); }
.guide-card:hover .guide-card-media img{ transform:scale(1.04); }
.guide-card-body{ padding:24px 24px 28px; display:flex; flex-direction:column; gap:10px; flex:1; }
.guide-meta{ font-size:12px; font-weight:600; letter-spacing:.08em; text-transform:uppercase; color:var(--gold); }
.guide-card h3{ font-size:21px; }
.guide-card p{ font-size:14.5px; color:var(--muted); flex:1; }

/* ---------- comparison table ---------- */
.table-wrap{ overflow-x:auto; margin:20px 0 10px; border:1px solid var(--line); border-radius:var(--r-md); }
.compare-table{ width:100%; border-collapse:collapse; font-size:14.5px; min-width:460px; }
.compare-table th, .compare-table td{ text-align:left; padding:14px 18px; border-bottom:1px solid var(--line); }
.compare-table thead th{ font-family:var(--sans); font-weight:600; color:var(--ink); background:var(--paper-2); font-size:13px; letter-spacing:.01em; }
.compare-table tbody th{ font-weight:600; color:var(--ink-2); font-family:var(--sans); }
.compare-table td{ color:var(--muted); }
.compare-table tbody tr:last-child th, .compare-table tbody tr:last-child td{ border-bottom:0; }

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .hero-overlap .container{ grid-template-columns:1fr; }
  .hero-overlap{ margin-top:-60px; }
  .show-row, .show-row.flip{ grid-template-columns:1fr; gap:28px; }
  .show-row.flip .show-media{ order:0; }
  .grid-3{ grid-template-columns:repeat(2,1fr); }
  .steps{ grid-template-columns:1fr; gap:32px; }
  .stats{ grid-template-columns:repeat(2,1fr); }
  .quote-block{ grid-template-columns:1fr; }
  .quote-block .q-media{ max-width:420px; }
  .page-hero .container{ grid-template-columns:1fr; }
  .page-hero .ph-media{ display:none; }
  .split{ grid-template-columns:1fr; }
  .split aside{ position:static; }
  .footer-grid{ grid-template-columns:1fr 1fr; gap:32px; }
  .nav-links, .nav-cta{ display:none; }
  .nav-toggle{ display:block; }
  .nav{ background:rgba(250,246,239,0.94); backdrop-filter:saturate(160%) blur(14px); }
  .nav.on-image:not(.solid){ background:rgba(13,22,17,0.42); }
  .nav.on-image:not(.solid) .brand, .nav.on-image:not(.solid) .nav-links a{ color:#fff; }
  .nav[data-open="true"] .nav-links{ display:flex; flex-direction:column; position:absolute; top:80px; left:0; right:0; background:var(--card); border-bottom:1px solid var(--line); padding:18px var(--gutter) 26px; gap:4px; box-shadow:var(--shadow-md); }
  .nav[data-open="true"] .nav-links a:not(.nav-mobile-cta){ color:var(--ink-2); padding:13px 2px; border-bottom:1px solid var(--line-soft); width:100%; }
  .nav[data-open="true"] .nav-links .has-dd > a{ border-bottom:0; }
  .nav[data-open="true"] .dd-panel{ position:static; transform:none; width:100%; box-shadow:none; border:0; padding:4px 0; opacity:1; visibility:visible; }
  .nav[data-open="true"] .nav-mobile-cta{ display:inline-flex; margin-top:14px; }
  .sticky-cta{ display:block; }
  body{ padding-bottom:74px; }
  .consent-banner{ bottom:78px; }
}
@media (max-width:600px){
  .grid-3, .grid-2, .stats{ grid-template-columns:1fr; }
  .field-row{ grid-template-columns:1fr; }
  .opt-grid{ grid-template-columns:1fr; }
  .hero-cta .btn{ width:100%; }
  .hero h1{ font-size:clamp(38px,11vw,52px); }
  .disclosure-inner{ flex-direction:column; gap:10px; }
}