/* ============================================================
   HEALTHYFI — Main Stylesheet
   Finance for Healthier Living
============================================================ */

/* ── Tokens ── */
:root {
  --green:       #1B5E3B;
  --green-mid:   #237A4E;
  --green-light: #EBF5EF;
  --green-pale:  #F4FAF6;
  --amber:       #E8940A;
  --ink:         #111A14;
  --ink-mid:     #2D3F32;
  --ink-soft:    #5C7263;
  --border:      #D6E8DC;
  --white:       #FFFFFF;
  --cream:       #FAFAF7;
  --font-d: 'Instrument Serif', Georgia, serif;
  --font-b: 'Geist', system-ui, sans-serif;
  --r-sm: 4px; --r-md: 14px; --r-lg: 22px; --r-xl: 32px; --r-pill: 999px;
  --ease:   cubic-bezier(0.4,0,0.2,1);
  --spring: cubic-bezier(0.34,1.56,0.64,1);
}

/* ── Reset ── */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-b);
  background: var(--white);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

/* ── Typography ── */
.d-xl { font-family: var(--font-d); font-size: clamp(2.8rem,5vw,5rem); font-weight: 400; line-height: 1.08; letter-spacing: -0.02em; }
.d-lg  { font-family: var(--font-d); font-size: clamp(2.2rem,4.5vw,3.8rem); font-weight: 400; line-height: 1.12; letter-spacing: -0.02em; }
.eyebrow { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--green-mid); }
em { font-style: italic; color: var(--green-mid); }

/* ── Layout ── */
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.sp   { padding: 100px 0; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-b); font-size: 0.88rem; font-weight: 600; padding: 13px 26px; border-radius: var(--r-pill); border: none; cursor: pointer; transition: all 0.22s var(--ease); white-space: nowrap; }
.btn-green  { background: var(--green); color: #fff; }
.btn-green:hover  { background: var(--green-mid); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(27,94,59,0.3); }
.btn-amber  { background: var(--amber); color: #fff; }
.btn-amber:hover  { background: #D4830A; transform: translateY(-2px); box-shadow: 0 8px 28px rgba(232,148,10,0.35); }
.btn-ghost  { background: transparent; color: var(--green); border: 1.5px solid var(--border); }
.btn-ghost:hover  { border-color: var(--green); background: var(--green-pale); }
.btn-white  { background: #fff; color: var(--green); }
.btn-white:hover  { background: var(--green-pale); transform: translateY(-2px); }

/* ════════════════════════════════════════
   SCROLL ANIMATIONS
════════════════════════════════════════ */
[data-a] { opacity: 0; will-change: opacity,transform; transition: opacity 0.85s var(--ease), transform 0.85s var(--ease); }
[data-a].in { opacity: 1; transform: none !important; }

[data-a="up"]       { transform: translateY(36px); }
[data-a="up-sm"]    { transform: translateY(18px); }
[data-a="left"]     { transform: translateX(-48px); }
[data-a="right"]    { transform: translateX(48px); }
[data-a="scale"]    { transform: scale(0.94); }
[data-a="scale-up"] { transform: scale(0.94) translateY(24px); }

[data-d="1"] { transition-delay: 0.12s; }
[data-d="2"] { transition-delay: 0.22s; }
[data-d="3"] { transition-delay: 0.32s; }
[data-d="4"] { transition-delay: 0.42s; }
[data-d="5"] { transition-delay: 0.52s; }
[data-d="6"] { transition-delay: 0.62s; }

[data-speed="slow"] { transition-duration: 1.1s; }

/* Parallax */
.parallax { transform: translateY(var(--py,0px)); transition: transform 0.1s linear; }

/* ════════════════════════════════════════
   TOPBAR
════════════════════════════════════════ */
.topbar { background: var(--ink); padding: 9px 0; }
.topbar .wrap { display: flex; align-items: center; justify-content: flex-end; }
.tb-links { display: flex; gap: 24px; }
.tb-links a { font-size: 0.78rem; color: rgba(255,255,255,0.45); font-weight: 500; transition: color 0.2s; }
.tb-links a:hover { color: #fff; }

/* ════════════════════════════════════════
   NAVBAR
════════════════════════════════════════ */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.96); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); border-bottom: 1px solid var(--border); transition: box-shadow 0.25s; }
.nav.up { box-shadow: 0 4px 24px rgba(27,94,59,0.1); }
.nav .wrap { display: flex; align-items: center; height: 70px; gap: 40px; }
.nav-logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.nav-lm { width: 38px; height: 38px; background: var(--green); border-radius: 10px; display: flex; align-items: center; justify-content: center; }
.nav-lm svg { width: 22px; height: 22px; fill: none; stroke: #fff; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.nav-wm { font-family: var(--font-d); font-size: 1.45rem; color: var(--ink); letter-spacing: -0.02em; }
.nav-wm b { color: var(--green); font-weight: 400; }
.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; flex: 1; justify-content: center; }
.nav-links a { font-size: 0.88rem; font-weight: 500; color: var(--ink-soft); padding: 7px 14px; border-radius: var(--r-pill); transition: all 0.2s; }
.nav-links a:hover, .nav-links a.on { background: var(--green-light); color: var(--green); }
.nav-end { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.nav-login { font-size: 0.85rem; font-weight: 500; color: var(--ink-soft); padding: 7px 16px; border-radius: var(--r-pill); transition: all 0.2s; background: none; border: none; cursor: pointer; font-family: var(--font-b); display: flex; align-items: center; gap: 5px; }
.nav-login:hover { background: var(--green-light); color: var(--green); }
.nav-chevron { width: 14px; height: 14px; stroke: currentColor; stroke-width: 2.5; fill: none; transition: transform 0.2s var(--ease); }

/* Agent Access dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-panel {
  position: absolute; top: calc(100% + 10px); right: 0;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--r-md); box-shadow: 0 8px 32px rgba(27,94,59,0.12);
  min-width: 200px; padding: 6px;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity 0.18s var(--ease), transform 0.18s var(--ease), visibility 0.18s;
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-panel,
.nav-dropdown.open .nav-dropdown-panel {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown:hover .nav-chevron,
.nav-dropdown.open .nav-chevron { transform: rotate(180deg); }
.nav-dropdown-item {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 12px; border-radius: var(--r-sm);
  font-size: 0.875rem; font-weight: 500; color: var(--ink-mid);
  text-decoration: none; transition: background 0.15s, color 0.15s;
}
.nav-dropdown-item:hover { background: var(--green-pale); color: var(--green); }
.nav-dropdown-item svg { width: 15px; height: 15px; stroke: currentColor; stroke-width: 2; fill: none; flex-shrink: 0; }

/* Hamburger */
.ham { display: none; width: 38px; height: 38px; background: var(--green-light); border: none; border-radius: var(--r-sm); cursor: pointer; flex-direction: column; align-items: center; justify-content: center; gap: 5px; transition: background 0.2s; z-index: 200; position: relative; }
.ham span { width: 18px; height: 2px; background: var(--green); border-radius: 2px; transition: all 0.3s var(--ease); transform-origin: center; }
.ham.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.ham.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.ham.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.mobile-menu {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  z-index: 200;
  pointer-events: none;
}
.mobile-menu.open { pointer-events: all; }
.mobile-overlay {
  position: absolute; inset: 0;
  background: rgba(17,26,20,0.5);
  opacity: 0;
  transition: opacity 0.3s var(--ease);
  backdrop-filter: blur(4px);
}
.mobile-menu.open .mobile-overlay { opacity: 1; }
.mobile-drawer {
  position: absolute;
  top: 0; right: 0;
  width: min(360px, 90vw);
  height: 100%;
  background: var(--white);
  transform: translateX(100%);
  transition: transform 0.35s var(--ease);
  display: flex;
  flex-direction: column;
  overflow-y: auto;
}
@media (max-width: 480px) {
  .mobile-drawer { width: 100%; }
}
.mobile-menu.open .mobile-drawer { transform: translateX(0); }
.mobile-drawer-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid var(--border);
}
.mobile-drawer-logo { display: flex; align-items: center; gap: 10px; }
.mobile-drawer-logo .nav-lm { width: 34px; height: 34px; }
.mobile-drawer-logo .nav-wm { font-size: 1.25rem; }
.mobile-close {
  width: 36px; height: 36px;
  background: var(--green-light);
  border: none; border-radius: 8px;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  color: var(--green);
  font-size: 1.2rem;
  transition: background 0.2s;
}
.mobile-close:hover { background: var(--border); }
.mobile-nav { display: flex; flex-direction: column; padding: 16px 0; flex: 1; }
.mobile-nav a {
  font-size: 1rem;
  font-weight: 500;
  color: var(--ink-mid);
  padding: 14px 24px;
  transition: all 0.2s;
  border-left: 3px solid transparent;
  display: block;
}
.mobile-nav a:hover { background: var(--green-pale); color: var(--green); border-left-color: var(--green); }
.mobile-nav-divider { height: 1px; background: var(--border); margin: 12px 24px; }
.mobile-nav-label { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-soft); padding: 8px 24px 4px; }
.mobile-drawer-footer {
  padding: 20px 24px;
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.mobile-drawer-footer .btn { width: 100%; justify-content: center; }

/* ════════════════════════════════════════
   HERO
════════════════════════════════════════ */
.hero { background: var(--cream); padding: 80px 0 100px; position: relative; }
.hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 60% at 75% 40%,rgba(27,94,59,0.07) 0%,transparent 70%),radial-gradient(ellipse 40% 40% at 10% 80%,rgba(232,148,10,0.05) 0%,transparent 70%); pointer-events: none; }
.hero-inner { display: grid; grid-template-columns: 1.22fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.hero-left { padding-bottom: 0; }
.hero-ew { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 28px; }
.hero-pulse { width: 7px; height: 7px; border-radius: 50%; background: var(--green-mid); animation: pulse 2.2s infinite; }
@keyframes pulse { 0%,100% { opacity:1; transform:scale(1); } 50% { opacity:0.4; transform:scale(0.75); } }
.hero-h { margin-bottom: 22px; }
.hero-sub { font-size: 1.08rem; color: var(--ink-soft); line-height: 1.78; max-width: 500px; margin-bottom: 36px; }
.hero-btns { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; margin-bottom: 0; }
.hero-proof { display: none; border-top: 1px solid var(--border); padding-top: 28px; margin-top: 36px; }
.hero-stat { flex: 1; padding-right: 24px; }
.hero-stat + .hero-stat { border-left: 1px solid var(--border); padding-left: 24px; padding-right: 0; }
.stat-n { font-family: var(--font-d); font-size: 2rem; color: var(--green); line-height: 1; margin-bottom: 3px; }
.stat-l { font-size: 0.78rem; color: var(--ink-soft); font-weight: 500; }.hero-right { display: flex; flex-direction: column; position: relative; }
.hero-frame { border-radius: var(--r-xl); overflow: hidden; background: linear-gradient(160deg,#B8DCCA 0%,#7DC0A0 50%,#4A9E78 100%); height: 480px; position: relative; display: flex; align-items: center; justify-content: center; }

/* Floating trust cards — on hero-right (outside frame) so parallax isn't clipped */
.hero-trust {
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
}
.hero-trust-card {
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: 12px;
  padding: 10px 14px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 4px 20px rgba(27,94,59,0.15);
  position: absolute;
  pointer-events: all;
  width: 200px;
  white-space: nowrap;
  opacity: 0;
  animation-fill-mode: forwards;
}
/* $0 Fee — top left, inside image */
.hero-trust-card:nth-child(1) {
  top: 24px; left: 20px;
  animation: floatCard 4.5s ease-in-out infinite;
  animation-delay: 0.3s;
}
/* 50+ Carriers — top right, inside image */
.hero-trust-card:nth-child(2) {
  top: 24px; right: 20px;
  animation: floatCard 4s ease-in-out infinite;
}
/* Compliant — below 50+ Carriers, inside image */
.hero-trust-card:nth-child(3) {
  top: 100px; right: 20px;
  animation: floatCard 3.8s ease-in-out infinite;
  animation-delay: 1.8s;
}
@keyframes floatCard {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-5px); }
}
.hero-trust-icon {
  width: 32px; height: 32px;
  border-radius: 8px;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-trust-icon svg { width: 16px; height: 16px; stroke: var(--green); stroke-width: 2; fill: none; }
.hero-trust-val { font-size: 0.88rem; font-weight: 700; color: var(--ink); line-height: 1; margin-bottom: 2px; }
.hero-trust-lbl { font-size: 0.7rem; color: var(--ink-soft); font-weight: 500; }

/* Hero card fade-in — opacity only, floatCard owns transform */
@keyframes heroFade { from { opacity: 0; } to { opacity: 1; } }
.hero-trust-card:nth-child(1) { animation: heroFade 0.7s ease forwards 0.3s, floatCard 4.5s ease-in-out infinite 1s; }
.hero-trust-card:nth-child(2) { animation: heroFade 0.7s ease forwards 0.5s, floatCard 4s   ease-in-out infinite 1.2s; }
.hero-trust-card:nth-child(3) { animation: heroFade 0.7s ease forwards 0.7s, floatCard 3.8s ease-in-out infinite 1.4s; }
.hero-fcard                   { animation: heroFade 0.7s ease forwards 0.9s, floatCard 4.2s ease-in-out infinite 1.6s; }

/* Bottom card — bleeds below the image frame like intro/why section */
.hero-fcard {
  position: absolute;
  bottom: -28px;
  left: 20px;
  right: 20px;
  background: #fff;
  border-radius: var(--r-md);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 8px 40px rgba(27,94,59,0.14);
  opacity: 0;
  animation-fill-mode: forwards;
}
.hero-ph { display: flex; flex-direction: column; align-items: center; gap: 14px; opacity: 0.35; }
.hero-ph svg { width: 56px; height: 56px; stroke: var(--green); fill: none; stroke-width: 1.2; }
.hero-ph p { font-size: 0.78rem; color: var(--green); text-align: center; line-height: 1.5; max-width: 160px; }
.hero-fcard-icon { width: 36px; height: 36px; background: var(--green-light); border-radius: 9px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.hero-fcard-icon svg { width: 18px; height: 18px; stroke: var(--green); stroke-width: 1.8; fill: none; }
.hero-fcard strong { display: block; font-size: 0.88rem; color: var(--ink); font-weight: 700; margin-bottom: 2px; }
.hero-fcard span { font-size: 0.75rem; color: var(--ink-soft); }

/* ════════════════════════════════════════
   TRUST BAR
════════════════════════════════════════ */
.trust { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 36px 0; }
.trust-inner { display: flex; align-items: center; }
.trust-label-wrap { padding-right: 40px; border-right: 1px solid var(--border); flex-shrink: 0; }
.trust-heading { font-family: var(--font-d); font-size: 1rem; color: var(--ink); font-weight: 400; margin-bottom: 4px; }
.trust-sub { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); }
.trust-carriers { display: flex; align-items: center; flex: 1; padding-left: 40px; }
.trust-c { flex: 1; text-align: center; padding: 0 20px; border-right: 1px solid var(--border); transition: all 0.25s; }
.trust-c:last-child { border-right: none; }
.trust-name { font-family: var(--font-d); font-size: 1.15rem; color: var(--ink-mid); transition: color 0.25s; letter-spacing: -0.01em; }
.trust-c:hover .trust-name { color: var(--green); }
.trust-type { font-size: 0.63rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); margin-top: 4px; opacity: 0.6; transition: opacity 0.25s; }
.trust-c:hover .trust-type { opacity: 1; }

/* ════════════════════════════════════════
   INTRO
════════════════════════════════════════ */
.intro { background: var(--white); }
.intro-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: center; }
.intro-body { font-size: 1.05rem; color: var(--ink-soft); line-height: 1.78; margin: 20px 0 36px; }
.pillars { border: 1px solid var(--border); border-radius: var(--r-lg); overflow: hidden; }
.pillar { display: flex; gap: 18px; padding: 22px 24px; background: var(--white); transition: background 0.2s; }
.pillar + .pillar { border-top: 1px solid var(--border); }
.pillar:hover { background: var(--green-pale); }
.pillar-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--green-mid);
  flex-shrink: 0;
  margin-top: 5px;
  animation: pulse 2.5s ease-in-out infinite;
}
.pillar:nth-child(2) .pillar-dot { animation-delay: 0.8s; }
.pillar:nth-child(3) .pillar-dot { animation-delay: 1.6s; }
.pillar-title { font-weight: 600; font-size: 0.93rem; color: var(--ink); margin-bottom: 4px; }
.pillar-desc { font-size: 0.85rem; color: var(--ink-soft); line-height: 1.6; }
.intro-visual { position: relative; }
.intro-frame { border-radius: var(--r-xl); overflow: hidden; background: linear-gradient(145deg,#C8E6D4 0%,#8ECBAA 100%); height: 520px; display: flex; align-items: center; justify-content: center; }
.intro-frame svg { width: 56px; height: 56px; stroke: var(--green); opacity: 0.25; fill: none; stroke-width: 1.2; }
.intro-badge { position: absolute; top: -20px; right: -20px; background: var(--amber); border-radius: var(--r-md); padding: 20px 22px; text-align: center; box-shadow: 0 8px 32px rgba(232,148,10,0.3); }
.intro-badge-n { font-family: var(--font-d); font-size: 2.2rem; color: #fff; line-height: 1; margin-bottom: 2px; }
.intro-badge-l { font-size: 0.72rem; color: rgba(255,255,255,0.85); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }
.intro-quote { position: absolute; bottom: -24px; left: 20px; right: 20px; background: var(--ink); border-radius: var(--r-md); padding: 20px 24px; }
.intro-quote p { font-family: var(--font-d); font-size: 0.95rem; color: rgba(255,255,255,0.85); line-height: 1.6; font-style: italic; margin-bottom: 10px; }
.intro-quote span { font-size: 0.72rem; color: rgba(255,255,255,0.4); font-weight: 500; letter-spacing: 0.06em; text-transform: uppercase; }

/* ════════════════════════════════════════
   PRODUCTS
════════════════════════════════════════ */
.products { background: var(--cream); }
.sec-hd { text-align: center; margin-bottom: 60px; }
.sec-hd .eyebrow { margin-bottom: 14px; }
.sec-hd .d-lg { margin-bottom: 14px; }
.sec-hd p { font-size: 1rem; color: var(--ink-soft); max-width: 520px; margin: 0 auto; }
.prod-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2px; background: var(--border); border-radius: var(--r-xl); overflow: hidden; }
.prod-cell { background: var(--white); padding: 36px 32px; transition: background 0.22s; }
.prod-cell:hover { background: var(--green-pale); }
.prod-icon { width: 48px; height: 48px; background: var(--green-light); border-radius: var(--r-md); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; transition: transform 0.3s var(--spring); }
.prod-cell:hover .prod-icon { transform: scale(1.1); }
.prod-icon svg { width: 24px; height: 24px; stroke: var(--green); stroke-width: 1.8; fill: none; }
.prod-title { font-family: var(--font-d); font-size: 1.15rem; color: var(--ink); margin-bottom: 8px; }
.prod-desc { font-size: 0.85rem; color: var(--ink-soft); line-height: 1.65; }
.prod-cell.ft { background: var(--green); }
.prod-cell.ft:hover { background: var(--green-mid); }
.prod-cell.ft .prod-icon { background: rgba(255,255,255,0.15); }
.prod-cell.ft .prod-icon svg { stroke: #fff; }
.prod-cell.ft .prod-title { color: #fff; }
.prod-cell.ft .prod-desc { color: rgba(255,255,255,0.7); }

/* ════════════════════════════════════════
   TEAMS — icon chips instead of numbers
════════════════════════════════════════ */
.teams { background: var(--white); }

/* General Agency trio */
.ga-trio {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 18px;
}
.ga-card {
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--green-pale);
}
.ga-photo {
  aspect-ratio: 1 / 1;
  overflow: hidden;
  position: relative;
}
.ga-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  transition: transform 0.4s var(--ease);
}
.ga-card:hover .ga-photo img { transform: scale(1.04); }
.ga-name {
  font-family: var(--font-d);
  font-size: 1.05rem;
  color: var(--ink);
  font-weight: 400;
  padding: 14px 16px;
  text-align: center;
}
.ga-caption {
  text-align: center;
  font-size: 0.85rem;
  color: var(--ink-soft);
  font-style: italic;
  margin-bottom: 40px;
}
.teams-list { border: 1px solid var(--border); border-radius: var(--r-xl); }
.teams-list .team-row:first-child { border-radius: var(--r-xl) var(--r-xl) 0 0; }
.teams-list .team-exp-panel:last-child,
.teams-list .team-row:last-child:not(.team-expand) { border-radius: 0 0 var(--r-xl) var(--r-xl); }
.team-row {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 20px;
  padding: 24px 32px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: background 0.22s, padding 0.22s;
  cursor: default;
  position: relative;
  overflow: hidden;
}
.team-row::before {
  content: '';
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px;
  background: var(--green);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform 0.3s var(--ease);
}
.team-row:last-child { border-bottom: none; }
.team-row:hover { background: var(--green-pale); padding-left: 38px; }
.team-row:hover::before { transform: scaleY(1); }

/* Icon chip — replaces the 01 02 03 numbers */
.team-chip {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background 0.22s, transform 0.3s var(--spring);
}
.team-chip svg { width: 22px; height: 22px; stroke: var(--green); stroke-width: 1.8; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.team-row:hover .team-chip { background: var(--green); transform: scale(1.08); }
.team-row:hover .team-chip svg { stroke: #fff; }

.team-title { font-weight: 600; font-size: 0.97rem; color: var(--ink); margin-bottom: 4px; }
.team-desc { font-size: 0.85rem; color: var(--ink-soft); line-height: 1.55; max-width: 680px; }
.team-arr { font-size: 1rem; color: var(--border); transition: all 0.22s; flex-shrink: 0; }
.team-row:hover .team-arr { color: var(--green); transform: translateX(6px); }

/* Expandable Agent Experience row */
.team-expand { cursor: pointer; }
.team-expand .team-arr { display: flex; align-items: center; }
.team-expand .team-arr svg { stroke: var(--border); transition: transform 0.25s var(--ease), stroke 0.22s; }
.team-expand:hover .team-arr svg { stroke: var(--green); transform: none; }
.team-expand.open { background: var(--green-pale); padding-left: 38px; }
.team-expand.open::before { transform: scaleY(1); }
.team-expand.open .team-arr svg { stroke: var(--green); transform: rotate(180deg); }

.team-exp-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s var(--ease), opacity 0.35s var(--ease);
  opacity: 0;
  background: var(--white);
}
.team-exp-panel.open { max-height: 2000px; opacity: 1; }
.team-exp-panel.open .svc-grid::after {
  content: '';
  display: block;
  grid-column: 1 / -1;
  height: 1px;
  background: var(--border);
  margin-top: 4px;
}
.team-exp-panel .svc-grid { padding: 28px 32px 32px; gap: 16px; }
.team-exp-panel .svc-card { background: var(--cream); }
.team-exp-panel .svc-card:hover { background: var(--white); }

/* ════════════════════════════════════════
   GROWTH
════════════════════════════════════════ */
.growth { background: var(--green); position: relative; overflow: hidden; }
.growth::before { content: ''; position: absolute; width: 700px; height: 700px; border-radius: 50%; background: rgba(255,255,255,0.04); top: -200px; right: -200px; pointer-events: none; }
.growth::after  { content: ''; position: absolute; width: 400px; height: 400px; border-radius: 50%; background: rgba(255,255,255,0.03); bottom: -100px; left: -100px; pointer-events: none; }
.growth-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.g-ew   { color: rgba(255,255,255,0.5); margin-bottom: 18px; }
.g-h    { color: #fff; margin-bottom: 20px; }
.g-h em { color: rgba(255,255,255,0.6); }
.g-body { color: rgba(255,255,255,0.7); font-size: 1.05rem; line-height: 1.78; margin-bottom: 36px; }
.g-steps { display: flex; flex-direction: column; gap: 20px; }
.gstep { display: flex; gap: 18px; align-items: flex-start; }
.gstep-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--amber); flex-shrink: 0; margin-top: 6px; }
.gstep-title { font-weight: 600; color: #fff; font-size: 0.95rem; margin-bottom: 3px; }
.gstep-desc  { font-size: 0.86rem; color: rgba(255,255,255,0.6); line-height: 1.55; }
.g-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.g-card { background: rgba(255,255,255,0.09); border: 1px solid rgba(255,255,255,0.12); border-radius: var(--r-lg); padding: 28px 24px; transition: background 0.22s, transform 0.22s var(--spring); }
.g-card:hover { background: rgba(255,255,255,0.15); transform: translateY(-3px); }
.g-card.wide { grid-column: span 2; }
.g-card-n { font-family: var(--font-d); font-size: 2.4rem; color: #fff; line-height: 1; margin-bottom: 4px; }
.g-card-l { font-size: 0.78rem; color: rgba(255,255,255,0.5); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }
.g-card-wi { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.g-card.wide .g-card-n { font-size: 1.8rem; }

/* ════════════════════════════════════════
   WHY
════════════════════════════════════════ */
.why { background: var(--cream); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 90px; align-items: center; }
.why-body { font-size: 1.05rem; color: var(--ink-soft); line-height: 1.78; margin: 18px 0 32px; }
.why-checks { display: flex; flex-direction: column; gap: 12px; margin-bottom: 36px; }
.why-check { display: flex; gap: 14px; align-items: flex-start; padding: 14px 18px; border-radius: var(--r-md); background: var(--white); border: 1px solid var(--border); transition: all 0.22s; }
.why-check:hover { border-color: var(--green-mid); background: var(--green-pale); transform: translateX(4px); }
.why-tick { width: 22px; height: 22px; background: var(--green); border-radius: 6px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }
.why-tick svg { width: 12px; height: 12px; stroke: #fff; stroke-width: 2.5; fill: none; }
.why-ct { font-size: 0.9rem; font-weight: 500; color: var(--ink-mid); line-height: 1.5; }
.why-visual { position: relative; }
.why-frame { border-radius: var(--r-xl); overflow: hidden; background: linear-gradient(160deg,#D4EBE0 0%,#A0CEB5 100%); height: 500px; display: flex; align-items: center; justify-content: center; }
.why-frame svg { width: 60px; height: 60px; stroke: var(--green); opacity: 0.2; fill: none; stroke-width: 1.2; }
.why-pill { position: absolute; top: 24px; right: -12px; background: #fff; border: 1px solid var(--border); border-radius: var(--r-pill); padding: 10px 18px; display: flex; align-items: center; gap: 10px; box-shadow: 0 4px 20px rgba(27,94,59,0.1); }
.why-pill-dot { width: 8px; height: 8px; border-radius: 50%; background: #22C55E; animation: pulse 2s infinite; }
.why-pill-text { font-size: 0.8rem; font-weight: 600; color: var(--ink-mid); }
.why-ab { position: absolute; bottom: -16px; left: 20px; background: var(--amber); border-radius: var(--r-md); padding: 18px 24px; box-shadow: 0 8px 32px rgba(232,148,10,0.35); }
.why-ab-n { font-family: var(--font-d); font-size: 1.8rem; color: #fff; line-height: 1; margin-bottom: 3px; }
.why-ab-l { font-size: 0.72rem; color: rgba(255,255,255,0.8); font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }

/* ════════════════════════════════════════
   CARRIERS
════════════════════════════════════════ */
.carriers { background: var(--white); padding-bottom: 40px; }
.carrier-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.carrier-card { display: flex; align-items: center; justify-content: center; text-decoration: none; background: var(--cream); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 28px 24px; min-height: 100px; transition: all 0.22s var(--ease); }
.carrier-card:hover { border-color: var(--green-mid); background: var(--green-pale); transform: translateY(-3px); box-shadow: 0 8px 28px rgba(27,94,59,0.1); }
.carrier-card img { max-height: 44px; max-width: 130px; width: auto; object-fit: contain; }
.carrier-card.more { background: var(--green-light); border-color: var(--green); font-family: var(--font-d); font-size: 1.5rem; color: var(--green); }
.carrier-card.more:hover { background: var(--green); color: #fff; }

/* ════════════════════════════════════════
   TESTIMONIALS
════════════════════════════════════════ */
.testi { background: var(--white); }
.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.tcard { border: 1px solid var(--border); border-radius: var(--r-xl); padding: 36px 32px; transition: all 0.25s var(--ease); background: var(--white); }
.tcard:hover { box-shadow: 0 12px 40px rgba(27,94,59,0.1); transform: translateY(-5px); border-color: rgba(27,94,59,0.15); }
.tcard-stars { display: flex; gap: 3px; margin-bottom: 18px; }
.tcard-stars span { color: var(--amber); font-size: 0.8rem; }
.tcard-mark { font-family: var(--font-d); font-size: 4rem; line-height: 0.5; color: var(--green-light); margin-bottom: 16px; font-style: italic; }
.tcard-text { font-size: 0.93rem; color: var(--ink-mid); line-height: 1.75; margin-bottom: 24px; font-style: italic; }
.tcard-author { display: flex; align-items: center; gap: 12px; }
.tcard-av { width: 38px; height: 38px; border-radius: 50%; background: var(--green-light); display: flex; align-items: center; justify-content: center; font-family: var(--font-d); font-size: 1rem; color: var(--green); border: 2px solid var(--border); }
.tcard-name { font-weight: 600; font-size: 0.88rem; color: var(--ink); }
.tcard-role { font-size: 0.75rem; color: var(--ink-soft); }

/* ════════════════════════════════════════
   NETWORK
════════════════════════════════════════ */
.network { background: var(--cream); }
.net-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.net-card { border: 1px solid var(--border); border-radius: var(--r-xl); padding: 36px; transition: all 0.25s; background: var(--white); }
.net-card:not(.here):hover { box-shadow: 0 8px 32px rgba(27,94,59,0.1); transform: translateY(-4px); }
.net-card.here { background: var(--green); border-color: var(--green); }
.net-badge { display: inline-block; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 4px 12px; border-radius: var(--r-pill); margin-bottom: 20px; }
.here .net-badge.you { background: var(--amber); color: #fff; }
.here .net-badge     { background: rgba(255,255,255,0.18); color: rgba(255,255,255,0.9); }
:not(.here) .net-badge { background: var(--green-light); color: var(--green); }
.net-title { font-family: var(--font-d); font-size: 1.5rem; font-weight: 400; margin-bottom: 8px; }
.here .net-title { color: #fff; }
.net-tag { font-size: 0.85rem; font-style: italic; margin-bottom: 16px; }
.here .net-tag      { color: rgba(255,255,255,0.6); }
:not(.here) .net-tag { color: var(--ink-soft); }
.net-desc { font-size: 0.88rem; line-height: 1.65; margin-bottom: 26px; }
.here .net-desc      { color: rgba(255,255,255,0.75); }
:not(.here) .net-desc { color: var(--ink-soft); }
.net-link { font-size: 0.83rem; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; transition: gap 0.18s; }
.here .net-link      { color: rgba(255,255,255,0.85); }
:not(.here) .net-link { color: var(--green); }
.net-link:hover { gap: 10px; }

/* ════════════════════════════════════════
   CTA
════════════════════════════════════════ */
.cta { background: var(--ink); padding: 100px 0; text-align: center; position: relative; overflow: hidden; }
.cta::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 70% at 50% 100%,rgba(27,94,59,0.3) 0%,transparent 70%); pointer-events: none; }
.cta .wrap { position: relative; z-index: 1; }
.cta .eyebrow { color: #5DBF8A; margin-bottom: 18px; }
.cta .d-lg    { color: #fff; margin-bottom: 14px; }
.cta .d-lg em { color: #5DBF8A; }
.cta-sub  { color: rgba(255,255,255,0.55); font-size: 1.05rem; margin-bottom: 40px; max-width: 480px; margin-left: auto; margin-right: auto; }
.cta-acts { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ════════════════════════════════════════
   FOOTER
════════════════════════════════════════ */
footer { background: var(--ink); border-top: 1px solid rgba(255,255,255,0.05); padding: 60px 0 32px; }
.foot-grid { display: grid; grid-template-columns: 2fr 1fr 1.1fr; gap: 48px; margin-bottom: 48px; }
.foot-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.foot-lm { width: 34px; height: 34px; background: var(--green); border-radius: 8px; display: flex; align-items: center; justify-content: center; }
.foot-lm svg { width: 20px; height: 20px; stroke: #fff; stroke-width: 1.8; fill: none; stroke-linecap: round; }
.foot-wm { font-family: var(--font-d); font-size: 1.25rem; color: #fff; }
.foot-wm b { color: #5DBF8A; font-weight: 400; }
.foot-desc { font-size: 0.85rem; color: rgba(255,255,255,0.4); line-height: 1.7; max-width: 280px; margin-bottom: 22px; }
.foot-disc { font-size: 0.72rem; color: rgba(255,255,255,0.25); line-height: 1.65; padding: 14px; border: 1px solid rgba(255,255,255,0.07); border-radius: var(--r-sm); max-width: 300px; }
.foot-h { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 18px; }
.foot-links { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.foot-links a { font-size: 0.85rem; color: rgba(255,255,255,0.45); transition: color 0.2s; }
.foot-links a:hover { color: #fff; }
.foot-contact { display: flex; flex-direction: column; gap: 10px; }
.foot-contact a { font-size: 0.85rem; color: rgba(255,255,255,0.45); display: flex; align-items: center; gap: 8px; transition: color 0.2s; }
.foot-contact a:hover { color: #fff; }
.foot-contact svg { width: 13px; height: 13px; stroke: currentColor; stroke-width: 2; fill: none; flex-shrink: 0; }
.foot-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding-top: 26px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.foot-bottom p { font-size: 0.77rem; color: rgba(255,255,255,0.25); }
.foot-bl { display: flex; gap: 20px; flex-wrap: wrap; }
.foot-bl a { font-size: 0.77rem; color: rgba(255,255,255,0.25); transition: color 0.2s; }
.foot-bl a:hover { color: rgba(255,255,255,0.6); }

/* ════════════════════════════════════════
   RESOURCES PAGE
════════════════════════════════════════ */
.res-hero { background: var(--cream); padding: 64px 0 52px; border-bottom: 1px solid var(--border); }
.res-hero .eyebrow { margin-bottom: 12px; }
.res-hero h1 { font-family: var(--font-d); font-size: clamp(2rem,4vw,3.2rem); font-weight: 400; color: var(--ink); margin-bottom: 12px; line-height: 1.1; }
.res-hero p { font-size: 1rem; color: var(--ink-soft); max-width: 520px; }

.res-cards { padding: 60px 0 0; }
.res-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.res-card { display: block; text-decoration: none; color: inherit; border: 1px solid var(--border); border-radius: var(--r-xl); padding: 36px 32px; background: var(--white); transition: all 0.25s var(--ease); }
.res-card:not(.soon):hover { box-shadow: 0 12px 40px rgba(27,94,59,0.1); transform: translateY(-4px); border-color: rgba(27,94,59,0.15); }
.res-card.featured { background: var(--green); border-color: var(--green); }
.res-card.soon { opacity: 0.55; cursor: default; pointer-events: none; }
.res-icon { width: 48px; height: 48px; border-radius: var(--r-md); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.res-card:not(.featured) .res-icon { background: var(--green-light); }
.res-card.featured .res-icon { background: rgba(255,255,255,0.18); }
.res-icon svg { width: 24px; height: 24px; stroke-width: 1.8; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.res-card:not(.featured) .res-icon svg { stroke: var(--green); }
.res-card.featured .res-icon svg { stroke: #fff; }
.res-badge { display: inline-block; font-size: 0.65rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 3px 10px; border-radius: var(--r-pill); margin-bottom: 14px; }
.res-card:not(.featured) .res-badge { background: var(--green-light); color: var(--green); }
.res-card.featured .res-badge { background: rgba(255,255,255,0.2); color: rgba(255,255,255,0.9); }
.res-card.soon .res-badge { background: var(--border); color: var(--ink-soft); }
.res-title { font-family: var(--font-d); font-size: 1.4rem; font-weight: 400; margin-bottom: 10px; }
.res-card:not(.featured) .res-title { color: var(--ink); }
.res-card.featured .res-title { color: #fff; }
.res-desc { font-size: 0.88rem; line-height: 1.65; }
.res-card:not(.featured) .res-desc { color: var(--ink-soft); }
.res-card.featured .res-desc { color: rgba(255,255,255,0.75); }
.res-arrow { display: inline-flex; align-items: center; gap: 6px; font-size: 0.83rem; font-weight: 600; margin-top: 20px; transition: gap 0.18s; }
.res-card:not(.featured) .res-arrow { color: var(--green); }
.res-card.featured .res-arrow { color: rgba(255,255,255,0.85); }
.res-card:hover .res-arrow { gap: 10px; }

/* Medicare 101 section */
.m101 { padding: 80px 0 100px; }
.m101-hd { margin-bottom: 48px; }
.m101-hd .eyebrow { margin-bottom: 12px; }
.m101-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.m101-card { background: var(--cream); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 30px 28px; transition: all 0.22s var(--ease); }
.m101-card:hover { background: var(--green-pale); border-color: var(--green-mid); transform: translateY(-2px); }
.m101-card.wide { grid-column: span 2; }
.m101-label { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 12px; }
.m101-part { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; background: var(--green); color: #fff; padding: 3px 10px; border-radius: var(--r-pill); }
.m101-title { font-family: var(--font-d); font-size: 1.2rem; color: var(--ink); margin-bottom: 8px; }
.m101-body { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.7; }
.m101-body ul { padding-left: 18px; margin-top: 8px; }
.m101-body li { margin-bottom: 4px; }
.m101-enroll { margin-top: 48px; background: var(--ink); border-radius: var(--r-xl); padding: 40px 44px; display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 32px; }
.enroll-item { border-left: 3px solid rgba(255,255,255,0.1); padding-left: 24px; }
.enroll-item:first-child { border-left: none; padding-left: 0; }
.enroll-period { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #5DBF8A; margin-bottom: 8px; }
.enroll-name { font-family: var(--font-d); font-size: 1.1rem; color: #fff; margin-bottom: 6px; }
.enroll-desc { font-size: 0.83rem; color: rgba(255,255,255,0.5); line-height: 1.6; }

/* Responsive */
@media (max-width: 768px) {
  .res-grid { grid-template-columns: 1fr; }
  .m101-grid { grid-template-columns: 1fr; }
  .m101-card.wide { grid-column: span 1; }
  .m101-enroll { grid-template-columns: 1fr; gap: 24px; padding: 28px 24px; }
  .enroll-item { border-left: none; padding-left: 0; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; }
  .enroll-item:first-child { border-top: none; padding-top: 0; }
}
@media (max-width: 1024px) {
  .res-grid { grid-template-columns: repeat(2,1fr); }
  .m101-grid { grid-template-columns: 1fr; }
  .m101-card.wide { grid-column: span 1; }
}

/* ════════════════════════════════════════
   AGENT SERVICES PAGE
════════════════════════════════════════ */
.svc-hero { background: var(--cream); border-bottom: 1px solid var(--border); padding: 64px 0 72px; }
.svc-hero .eyebrow { margin-bottom: 14px; }
.svc-hero h1 { margin-bottom: 18px; }
.svc-hero p { font-size: 1.05rem; color: var(--ink-soft); max-width: 580px; line-height: 1.72; margin-bottom: 32px; }
.svc-hero-meta { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; }
.svc-hero-meta span { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; font-weight: 500; color: var(--ink-soft); }
.svc-hero-meta svg { stroke: var(--green); flex-shrink: 0; }

.svc-body { background: var(--white); }
.svc-intro { text-align: center; max-width: 600px; margin: 0 auto 56px; }
.svc-intro .eyebrow { margin-bottom: 12px; }
.svc-intro h2 { font-family: var(--font-d); font-size: clamp(1.8rem,3vw,2.6rem); font-weight: 400; letter-spacing: -0.02em; color: var(--ink); margin-bottom: 16px; line-height: 1.15; }
.svc-intro p { font-size: 1rem; color: var(--ink-soft); line-height: 1.7; }

.svc-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.svc-card { background: var(--cream); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 32px 30px; transition: all 0.22s var(--ease); }
.svc-card:hover { background: var(--white); border-color: var(--green-mid); box-shadow: 0 8px 28px rgba(27,94,59,0.09); transform: translateY(-3px); }
.svc-icon { width: 46px; height: 46px; background: var(--green-light); border-radius: var(--r-md); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.svc-icon svg { width: 22px; height: 22px; stroke: var(--green); stroke-width: 1.8; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.svc-card h3 { font-size: 1.05rem; font-weight: 600; color: var(--ink); margin-bottom: 10px; }
.svc-card p { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.72; }
.svc-contact-line { margin-top: 16px; font-size: 0.83rem; font-weight: 500; color: var(--green); display: flex; align-items: center; gap: 7px; }
.svc-contact-line svg { stroke: var(--green); flex-shrink: 0; }

.svc-cta { background: var(--green); border-radius: var(--r-xl); padding: 52px 56px; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 40px; margin-top: 56px; }
.svc-cta h2 { font-family: var(--font-d); font-size: clamp(1.6rem,2.8vw,2.2rem); color: #fff; font-weight: 400; letter-spacing: -0.02em; margin-bottom: 10px; line-height: 1.2; }
.svc-cta p { color: rgba(255,255,255,0.72); font-size: 0.95rem; line-height: 1.65; max-width: 420px; }
.svc-cta-btns { display: flex; flex-direction: column; gap: 10px; min-width: 210px; }
.svc-btn-light { border-color: rgba(255,255,255,0.3); color: #fff; }
.svc-btn-light:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff; transform: translateY(-2px); }

/* ════════════════════════════════════════
   LEGAL PAGES
════════════════════════════════════════ */
.legal-hero { background: var(--cream); padding: 64px 0 48px; border-bottom: 1px solid var(--border); }
.legal-hero .eyebrow { margin-bottom: 12px; }
.legal-hero h1 { font-family: var(--font-d); font-size: clamp(2rem,4vw,3rem); font-weight: 400; color: var(--ink); margin-bottom: 12px; }
.legal-hero p { font-size: 0.9rem; color: var(--ink-soft); }
.legal-body { padding: 60px 0 80px; }
.legal-body .wrap { max-width: 800px; }
.legal-body h2 { font-family: var(--font-d); font-size: 1.5rem; font-weight: 400; color: var(--ink); margin: 40px 0 12px; }
.legal-body h3 { font-size: 1rem; font-weight: 600; color: var(--ink); margin: 24px 0 8px; }
.legal-body p  { font-size: 0.95rem; color: var(--ink-soft); line-height: 1.8; margin-bottom: 16px; }
.legal-body ul { padding-left: 20px; margin-bottom: 16px; }
.legal-body li { font-size: 0.95rem; color: var(--ink-soft); line-height: 1.8; margin-bottom: 6px; }
.legal-body a  { color: var(--green); text-decoration: underline; text-underline-offset: 3px; }

/* ════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════ */
@media (max-width: 1024px) {
  /* Keep hero and intro images visible on tablet — just single column */
  .hero-inner { grid-template-columns: 1fr; }
  .hero-right { display: block; }
  .hero-frame { border-radius: var(--r-xl); height: 360px; }
  .hero-left { padding-bottom: 0; }
  .hero-trust { display: none; }
  .intro-grid, .why-grid, .growth-inner { grid-template-columns: 1fr; gap: 56px; }
  .intro-visual { display: block; }
  .intro-badge { right: 0; }
  .prod-grid { grid-template-columns: repeat(2,1fr); }
  .carrier-grid { grid-template-columns: repeat(3,1fr); }
  .testi-grid, .net-grid { grid-template-columns: repeat(2,1fr); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .svc-cta { grid-template-columns: 1fr; }
  .svc-cta-btns { flex-direction: row; }
}

@media (max-width: 768px) {
  .wrap { padding: 0 20px; } .sp { padding: 64px 0; }
  /* Navbar */
  .nav-links, .nav-login { display: none; } .ham { display: flex; }
  .nav-end .btn { display: none; }
  .nav-end { margin-left: auto; }
  .mobile-menu { display: block; }
  /* Hero image — full bleed strip on mobile, no top gap */
  .hero { padding-top: 40px; padding-bottom: 40px; }
  .hero-left { padding-bottom: 0; }
  .hero-inner { grid-template-columns: 1fr; gap: 0; align-items: start; }
  .hero-right {
    display: block;
    margin: 0 -20px;
  }
  .hero-frame {
    border-radius: 0;
    height: 280px;
  }
  .hero-trust { display: none; }
  .hero-proof { display: flex; margin-top: 20px; padding-top: 20px; margin-bottom: 20px; }
  .hero-fcard { right: 20px; bottom: 16px; animation: none; opacity: 1; }
  /* Intro image — full bleed on mobile */
  .intro-visual {
    display: block;
    margin: 0 -20px;
  }
  .intro-frame {
    border-radius: 0;
    height: 240px;
  }
  .intro-badge { display: none; }
  .intro-quote { position: static; margin: 16px 20px 0; border-radius: var(--r-md); }
  /* Other */
  .prod-grid { grid-template-columns: 1fr; }
  .carrier-grid { grid-template-columns: repeat(2,1fr); }
  .g-cards { grid-template-columns: 1fr; } .g-card.wide { grid-column: span 1; }
  .testi-grid, .net-grid { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr; gap: 28px; }
  .foot-bottom { flex-direction: column; text-align: center; }
  .svc-grid { grid-template-columns: 1fr; }
  .svc-card { padding: 22px 20px; }
  .team-exp-panel .svc-grid { padding: 20px 16px 24px; gap: 12px; }
  .svc-hero-meta { gap: 16px; }
  .svc-cta { padding: 36px 28px; }
  .svc-cta-btns { flex-direction: column; }
  .trust-inner { flex-direction: column; gap: 20px; }
  .trust-label-wrap { border-right: none; padding-right: 0; padding-bottom: 16px; border-bottom: 1px solid var(--border); width: 100%; text-align: center; }
  .trust-carriers { padding-left: 0; flex-wrap: wrap; justify-content: center; }
  .trust-c { flex: none; width: 50%; border-right: none; border-bottom: 1px solid var(--border); padding: 8px 16px; }
  .team-row { grid-template-columns: auto 1fr; }
  .team-arr { display: none; }
  .ga-trio { grid-template-columns: repeat(3, 1fr); gap: 10px; }
  .ga-name { font-size: 0.88rem; padding: 10px 8px; }
  .ga-caption { font-size: 0.8rem; padding: 0 10px; }
}

/* ════════════════════════════════════════
   CONTACT MODAL
════════════════════════════════════════ */
.modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 300;
  background: rgba(17,26,20,0.6);
  backdrop-filter: blur(4px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s var(--ease), visibility 0.3s var(--ease);
}
.modal-overlay.open { opacity: 1; visibility: visible; }
.modal {
  background: var(--white);
  border-radius: var(--r-xl);
  width: 100%;
  max-width: 560px;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  transform: translateY(20px);
  transition: transform 0.35s var(--ease);
  box-shadow: 0 24px 80px rgba(0,0,0,0.2);
}
.modal-overlay.open .modal { transform: translateY(0); }
.modal-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--ink-soft);
  font-size: 0.9rem;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all 0.2s;
  z-index: 1;
}
.modal-close:hover { background: var(--green-pale); color: var(--green); border-color: var(--green); }
.modal-body { padding: 40px; }
.modal-head { margin-bottom: 28px; }
.modal-sub { font-size: 0.9rem; color: var(--ink-soft); margin-top: 8px; }

/* Form */
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.cf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cf-field { display: flex; flex-direction: column; gap: 6px; }
.cf-field label { font-size: 0.82rem; font-weight: 600; color: var(--ink-mid); }
.cf-field label span { color: #C0392B; }
.cf-field input,
.cf-field textarea {
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  padding: 12px 14px;
  font-family: var(--font-b);
  font-size: 0.92rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  width: 100%;
  box-sizing: border-box;
}
.cf-field input::placeholder,
.cf-field textarea::placeholder { color: var(--ink-soft); opacity: 0.6; }
.cf-field input:focus,
.cf-field textarea:focus {
  border-color: var(--green-mid);
  box-shadow: 0 0 0 3px rgba(35,122,78,0.12);
}
.cf-field input.cf-invalid,
.cf-field textarea.cf-invalid {
  border-color: #C0392B;
  box-shadow: 0 0 0 3px rgba(192,57,43,0.12);
}
.cf-field textarea { resize: vertical; min-height: 110px; }
.cf-submit { width: 100%; justify-content: center; margin-top: 4px; }
.cf-error { color: #C0392B; font-size: 0.82rem; margin-top: 4px; }

/* Success state */
.cf-success { display: none; flex-direction: column; align-items: center; text-align: center; padding: 20px 0; gap: 12px; }
.cf-success.visible { display: flex; }
.cf-success-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
}
.cf-success-icon svg { width: 32px; height: 32px; stroke: var(--green); stroke-width: 2; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.cf-success h3 { font-family: var(--font-d); font-size: 1.6rem; color: var(--ink); }
.cf-success p { color: var(--ink-soft); font-size: 0.92rem; }

/* Modal mobile */
@media (max-width: 600px) {
  .modal-body { padding: 28px 20px; }
  .cf-row { grid-template-columns: 1fr; gap: 18px; }
}