/* =========================================================
   בריא – ביטוח ופיננסים | בר שיימן
   ========================================================= */
:root {
  --ink: #0E1A24;
  --ink-2: #172A3B;
  --text: #1C242B;
  --muted: #5B666F;
  --paper: #F4F1EA;
  --white: #fff;

  --blue: #1AA0DB;
  --blue-deep: #0B78B3;
  --blue-press: #09679A;
  --lime: #94C11F;
  --lime-deep: #6E9520;
  --line: rgba(14, 26, 36, .13);
  --line-light: rgba(255, 255, 255, .22);

  --font: 'Google Sans', 'Heebo', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --serif: var(--font);
  --sans: var(--font);

  --r-lg: 32px;
  --r-md: 22px;
  --r-sm: 14px;

  --bar-h: 0px;
  --head-h: 80px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  --glow: 0 22px 26px -12px rgba(11, 120, 179, .55);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
ul { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, p, figure { margin: 0; }
section[id] { scroll-margin-top: 90px; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 8px; }
.wrap { width: 100%; max-width: 1240px; margin-inline: auto; padding-inline: clamp(20px, 4vw, 48px); }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* ---------- type ---------- */
.serif { font-family: var(--serif); }
.h-xl { font-family: var(--font); font-weight: 500; font-size: clamp(42px, 6.2vw, 92px); line-height: 1.04; letter-spacing: -.035em; text-wrap: balance; }
.h-xl b { font-weight: 700; }
.h-lg { font-family: var(--font); font-weight: 600; font-size: clamp(34px, 4.6vw, 64px); line-height: 1.08; letter-spacing: -.03em; text-wrap: balance; }
.h-lg .soft { font-weight: 400; color: var(--muted); }
.h-lg b { font-weight: 700; }
.h-md { font-family: var(--font); font-weight: 600; font-size: clamp(26px, 3vw, 42px); line-height: 1.14; letter-spacing: -.025em; text-wrap: balance; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 600; letter-spacing: .08em; color: var(--blue-deep); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--lime); }
.lede { font-size: clamp(17px, 1.5vw, 20px); color: var(--muted); max-width: 52ch; text-wrap: pretty; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 12px;
  min-height: 58px; padding: 16px 34px;
  border-radius: 999px;
  font-weight: 600; font-size: 17px; letter-spacing: -.005em; line-height: 1.2;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, border-color .25s, color .25s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; stroke: currentColor; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease); }
.btn:hover svg { transform: translateX(-4px); }
.btn:active { transform: scale(.98); }
.btn-fill { background: var(--blue-deep); color: #fff; box-shadow: var(--glow); }
.btn-fill:hover { background: var(--blue-press); transform: translateY(-2px); }
.btn-line { border-color: currentColor; color: var(--blue-deep); background: transparent; }
.btn-line:hover { background: var(--blue-deep); border-color: var(--blue-deep); color: #fff; }
.btn-line-w { border-color: rgba(255,255,255,.7); color: #fff; }
.btn-line-w:hover { background: #fff; color: var(--ink); border-color: #fff; }
.btn-sm { min-height: 46px; padding: 10px 24px; font-size: 15.5px; box-shadow: none; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: inherit; }
.link-arrow svg { width: 16px; height: 16px; stroke: currentColor; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease); }
.link-arrow:hover svg { transform: translateX(-4px); }

/* ---------- header ---------- */
.head { position: fixed; inset: 0 0 auto 0; z-index: 100; color: #fff; transition: background .35s, box-shadow .35s, color .35s; }
.head.solid { background: rgba(255,255,255,.96); backdrop-filter: saturate(160%) blur(14px); color: var(--text); box-shadow: 0 1px 0 var(--line); }

.navrow { height: var(--head-h); display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 16px; max-width: 1440px; margin-inline: auto; padding-inline: clamp(16px, 3vw, 40px); }
.logo img { height: 54px; width: auto; filter: brightness(0) invert(1); transition: filter .3s, height .3s; }
.head.solid .logo img { filter: none; height: 48px; }
.nav { display: none; align-items: center; gap: clamp(14px, 1.8vw, 30px); font-size: 15.5px; font-weight: 500; }
.nav > a, .nav > .has-menu > button { padding: 8px 2px; opacity: .92; position: relative; }
.nav a::after, .has-menu > button::after { content: ""; position: absolute; inset-inline: 0; bottom: 2px; height: 2px; background: var(--lime); transform: scaleX(0); transform-origin: right; transition: transform .3s var(--ease); }
.nav a:hover::after, .has-menu:hover > button::after { transform: scaleX(1); }
.nav-a { justify-self: start; }
.nav-b { justify-self: end; }
@media (min-width: 1100px) { .nav { display: flex; } .burger, .bar-call { display: none !important; } }

.has-menu { position: relative; }
.has-menu > button { display: inline-flex; align-items: center; gap: 6px; }
.has-menu .caret { width: 11px; height: 11px; stroke: currentColor; fill: none; stroke-width: 2.4; }
.menu { position: absolute; top: calc(100% + 6px); inset-inline-start: -16px; min-width: 230px; background: #fff; color: var(--text); border-radius: 18px; padding: 8px; box-shadow: 0 24px 60px rgba(14,26,36,.22); opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .2s, transform .2s, visibility .2s; }
.has-menu:hover .menu, .has-menu.open .menu { opacity: 1; visibility: visible; transform: none; }
.menu a { display: block; padding: 11px 14px; border-radius: 10px; font-size: 15px; }
.menu a:hover { background: var(--paper); }
.menu a::after { display: none; }

.burger, .bar-call { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; }
.burger { justify-self: start; }
.bar-call { justify-self: end; }
.burger svg, .bar-call svg { width: 26px; height: 26px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

.drawer { position: fixed; inset: 0; z-index: 99; background: var(--ink); color: #fff; padding: calc(var(--head-h) + var(--bar-h) + 20px) 28px 40px; display: flex; flex-direction: column; transform: translateX(100%); transition: transform .4s var(--ease); overflow-y: auto; }
.drawer.open { transform: none; }
.drawer a:not(.btn) { font-family: var(--font); font-size: 34px; font-weight: 500; letter-spacing: -.02em; padding: 12px 0; border-bottom: 1px solid var(--line-light); }
.drawer .btn { margin-top: 28px; }
@media (min-width: 1100px) { .drawer { display: none; } }

.progress { position: fixed; inset: 0 0 auto 0; height: 3px; z-index: 110; background: linear-gradient(90deg, var(--blue), var(--lime)); transform-origin: right; transform: scaleX(0); }

/* ---------- hero ---------- */
.hero { position: relative; min-height: 100svh; display: flex; align-items: flex-end; color: #fff; background: var(--ink); overflow: hidden; isolation: isolate; }
.hero-bg { position: absolute; inset: 0; z-index: -2; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 28%; transform: scaleX(-1) scale(1.08); animation: kb 14s var(--ease) forwards; }
@keyframes kb { to { transform: scaleX(-1) scale(1); } }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background:
  linear-gradient(0deg, rgba(8,22,34,.9) 0%, rgba(8,22,34,.62) 30%, rgba(8,22,34,0) 62%),
  linear-gradient(180deg, rgba(8,22,34,.55) 0%, rgba(8,22,34,0) 22%); }
.hero-in { padding-top: calc(var(--bar-h) + var(--head-h) + 40px); padding-bottom: clamp(36px, 6vh, 64px); display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: clamp(24px, 4vw, 72px); align-items: end; min-height: 100svh; }
.hero-col { max-width: 840px; }
.hero h1 { margin-bottom: 22px; font-size: clamp(40px, 5.3vw, 80px); }
@media (min-width: 900px) { .hero h1 .ln > span { white-space: nowrap; } }
.hero h1 .ln { display: block; overflow: hidden; padding-bottom: .06em; }
.hero h1 .ln > span { display: inline-block; transform: translateY(110%); animation: up .9s var(--ease) forwards; }
.hero h1 .ln:nth-child(2) > span { animation-delay: .12s; }
.hero h1 .ln:nth-child(3) > span { animation-delay: .24s; }
@keyframes up { to { transform: none; } }
.hero-sub { font-size: clamp(18px, 1.7vw, 22px); line-height: 1.55; color: rgba(255,255,255,.88); max-width: 34em; margin-bottom: 30px; opacity: 0; animation: fade .9s .5s var(--ease) forwards; }
@keyframes fade { to { opacity: 1; } }
.glass {
  max-width: 460px; padding: 22px; border-radius: 30px;
  background: rgba(255,255,255,.13); border: 1px solid rgba(255,255,255,.28);
  backdrop-filter: blur(20px) saturate(150%); -webkit-backdrop-filter: blur(20px) saturate(150%);
  display: grid; gap: 12px; opacity: 0; transform: translateY(18px); animation: rise .9s .65s var(--ease) forwards;
}
@keyframes rise { to { opacity: 1; transform: none; } }
.glass .btn { width: 100%; }

.hero-chat { position: absolute; z-index: 2; inset-inline-end: auto; left: clamp(20px, 13vw, 260px); top: 33%; width: min(320px, 78vw); display: grid; gap: 10px; }
.bub { background: #fff; color: var(--text); border-radius: 20px 20px 20px 6px; padding: 14px 18px; font-size: 16px; line-height: 1.5; box-shadow: 0 18px 40px rgba(0,0,0,.25); opacity: 0; transform: translateY(14px) scale(.96); animation: pop .6s var(--ease) forwards; }
.bub small { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--blue-deep); margin-bottom: 4px; }
.bub small i { width: 22px; height: 22px; border-radius: 50%; background: var(--blue-deep); color: #fff; font-style: normal; font-size: 12px; display: grid; place-items: center; }
.bub-1 { animation-delay: 1.4s; }
.bub-2 { animation-delay: 2.6s; width: max-content; }
.dots { display: inline-flex; gap: 5px; padding: 4px 2px; }
.dots span { width: 7px; height: 7px; border-radius: 50%; background: #9AA5AE; animation: blink 1.2s infinite; }
.dots span:nth-child(2) { animation-delay: .2s; } .dots span:nth-child(3) { animation-delay: .4s; }
@keyframes blink { 0%, 80%, 100% { opacity: .3; } 40% { opacity: 1; } }
@keyframes pop { to { opacity: 1; transform: none; } }

.scroll-cue { position: absolute; inset-inline-start: clamp(20px, 4vw, 48px); bottom: 36px; z-index: 2; display: none; align-items: center; gap: 12px; font-size: 13.5px; letter-spacing: .05em; opacity: .85; }
.scroll-cue::after { content: ""; width: 1px; height: 54px; background: linear-gradient(#fff, transparent); }
@media (min-width: 1000px) { .scroll-cue { display: flex; flex-direction: column; } }

@media (max-width: 899px) {
  .hero-bg img { object-position: 28% 20%; }
  .hero::before { background: linear-gradient(0deg, rgba(8,22,34,.92) 0%, rgba(8,22,34,.7) 42%, rgba(8,22,34,.25) 100%); }
  .hero-chat { left: 16px; top: calc(var(--bar-h) + var(--head-h) + 12px); width: min(250px, 68vw); }
  .bub { font-size: 14.5px; padding: 11px 14px; }
  .hero-in { padding-top: 40svh; grid-template-columns: minmax(0, 1fr); gap: 18px; min-height: 100svh; }
  .hero-col { max-width: none; }
  .hero h1 { font-size: clamp(36px, 10.4vw, 52px); margin-bottom: 14px; }
  .glass { padding: 14px; max-width: none; gap: 10px; }
  .glass .btn { min-height: 52px; }
  .hero-sub { margin-bottom: 20px; }
}

/* ---------- statement (pinned, scroll-driven) ---------- */
.stmt { position: relative; height: 560vh; background: var(--blue-deep); color: #fff; }
.stmt-pin { position: sticky; top: 0; height: 100svh; overflow: hidden; display: grid; align-items: center; }
.stmt-rings { position: absolute; inset: 0; pointer-events: none; }
.stmt-rings i { position: absolute; border-radius: 50%; border: 1px solid rgba(255,255,255,.16); width: var(--s); height: var(--s); left: var(--x); top: var(--y); transform: translate(-50%, -50%) scale(calc(.7 + var(--p, 0) * .9)); }
.stmt-rings i:nth-child(1) { --s: 70vmin; --x: 12%; --y: 82%; }
.stmt-rings i:nth-child(2) { --s: 110vmin; --x: 12%; --y: 82%; }
.stmt-rings i:nth-child(3) { --s: 150vmin; --x: 12%; --y: 82%; }
.stmt-rings i:nth-child(4) { --s: 40vmin; --x: 88%; --y: 18%; background: radial-gradient(circle, rgba(148,193,31,.35), rgba(148,193,31,0) 70%); border: 0; }
.stage { position: absolute; inset: 0; display: flex; flex-direction: column; justify-content: center; opacity: 0; transform: translateY(40px); transition: opacity .6s var(--ease), transform .8s var(--ease); pointer-events: none; }
.stage.on { opacity: 1; transform: none; pointer-events: auto; }
.stage.past { opacity: 0; transform: translateY(-40px); }
.stage .k { font-size: 15px; font-weight: 600; letter-spacing: .08em; color: var(--lime); margin-bottom: 20px; display: block; }
.stage h2 { font-family: var(--font); font-weight: 400; font-size: clamp(40px, 7vw, 108px); line-height: 1.04; letter-spacing: -.04em; max-width: 14em; text-wrap: balance; }
.stage h2 em { font-style: normal; font-weight: 700; color: var(--lime); }
.stage p { margin-top: 26px; font-size: clamp(18px, 1.8vw, 24px); color: rgba(255,255,255,.82); max-width: 32em; }
.stage .btn { margin-top: 36px; background: #fff; color: var(--blue-deep); box-shadow: 0 22px 26px -12px rgba(0,0,0,.35); }
.stage .btn:hover { background: var(--lime); color: var(--ink); }
.stmt-dots { position: absolute; inset-inline-start: clamp(14px, 2.4vw, 36px); top: 50%; transform: translateY(-50%); display: grid; gap: 12px; z-index: 3; }
.stmt-dots b { width: 9px; height: 9px; border-radius: 50%; background: rgba(255,255,255,.35); transition: background .3s, transform .3s; }
.stmt-dots b.on { background: var(--lime); transform: scale(1.5); }

/* ---------- compare ---------- */
.sec { padding: clamp(80px, 10vw, 150px) 0; }
.sec.paper { background: var(--paper); }
.sec-head { max-width: 760px; margin-bottom: clamp(40px, 5vw, 72px); }
.sec-head.center { margin-inline: auto; text-align: center; }
.sec-head.center .lede { margin-inline: auto; }
.sec-head .h-lg { margin-bottom: 20px; }
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; max-width: 1060px; margin-inline: auto; }
.cmp { background: #fff; border-radius: var(--r-lg); padding: clamp(28px, 4vw, 52px); display: flex; flex-direction: column; box-shadow: 0 1px 0 var(--line), 0 30px 60px -30px rgba(14,26,36,.18); }
.cmp h3 { font-family: var(--font); font-size: clamp(26px, 2.6vw, 36px); font-weight: 600; letter-spacing: -.025em; line-height: 1.14; margin-bottom: 8px; }
.cmp .sub { color: var(--muted); margin-bottom: 26px; }
.checks { display: grid; gap: 14px; margin-bottom: 36px; flex: 1; }
.checks li { display: grid; grid-template-columns: 26px 1fr; gap: 14px; align-items: start; font-size: 16.5px; line-height: 1.55; }
.checks li::before { content: ""; width: 26px; height: 26px; border-radius: 50%; background: var(--blue-deep) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12.5 4 4 8-9'/%3E%3C/svg%3E") center/16px no-repeat; margin-top: 1px; }
.cmp .btn { align-self: flex-start; }
@media (max-width: 860px) { .compare { grid-template-columns: 1fr; } }

/* ---------- services index ---------- */
.svc { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(32px, 6vw, 96px); align-items: start; }
.svc-list { border-top: 1px solid var(--line); }
.row { border-bottom: 1px solid var(--line); }
.row-head { display: grid; grid-template-columns: 48px 1fr 46px; align-items: center; gap: 12px; padding: 22px 0; width: 100%; text-align: start; cursor: pointer; }
.row .n { font-family: var(--font); font-size: 15px; font-weight: 500; letter-spacing: .06em; color: var(--muted); font-feature-settings: "tnum"; }
.row .t { font-family: var(--font); font-weight: 500; letter-spacing: -.03em; font-size: clamp(26px, 3vw, 42px); line-height: 1.12; transition: color .25s, transform .35s var(--ease); display: inline-block; }
.row:hover .t, .row.active .t { color: var(--blue-deep); }
.row.active .t { transform: translateX(-10px); }
.sel { width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; transition: background .2s, border-color .2s, transform .2s; }
.sel svg { width: 20px; height: 20px; stroke: var(--muted); fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .3s var(--ease); }
.sel:hover { border-color: var(--blue-deep); }
.row.picked .sel { background: var(--blue-deep); border-color: var(--blue-deep); }
.row.picked .sel svg { stroke: #fff; transform: rotate(0); }
.row-more { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .45s var(--ease); }
.row.active .row-more { grid-template-rows: 1fr; }
.row-more > div { overflow: hidden; }
.row-more p { padding: 0 60px 18px 0; color: var(--muted); max-width: 52ch; }
.row-more .link-arrow { margin: 0 60px 26px 0; color: var(--blue-deep); }
.row-photo { display: none; }
.preview { position: sticky; top: 110px; aspect-ratio: 4/5; border-radius: var(--r-lg); overflow: hidden; background: var(--paper); box-shadow: 0 40px 80px -40px rgba(14,26,36,.4); }
.preview img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transform: scale(1.06); transition: opacity .6s var(--ease), transform 1.1s var(--ease); }
.preview img.on { opacity: 1; transform: none; }
.preview::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(14,26,36,.55), rgba(14,26,36,0) 45%); }
.preview .cap { position: absolute; z-index: 2; inset-inline: 22px; bottom: 20px; color: #fff; font-family: var(--font); font-size: 26px; font-weight: 600; letter-spacing: -.02em; display: flex; justify-content: space-between; align-items: baseline; }
.preview .cap small { font-family: var(--sans); font-size: 14px; opacity: .85; }
@media (max-width: 900px) {
  .svc { grid-template-columns: 1fr; }
  .preview { display: none; }
  .row-photo { display: block; margin: 0 0 16px; border-radius: 20px; overflow: hidden; aspect-ratio: 16/10; }
  .row-photo img { width: 100%; height: 100%; object-fit: cover; }
  .row-more p, .row-more .link-arrow { margin-right: 0; padding-right: 0; }
}

.tray { position: fixed; left: 50%; bottom: 22px; z-index: 92; transform: translate(-50%, 160%); opacity: 0; pointer-events: none; transition: transform .5s var(--ease), opacity .3s; width: min(640px, calc(100vw - 24px)); background: var(--ink); color: #fff; border-radius: 999px; padding: 10px 10px 10px 10px; padding-inline-start: 26px; display: flex; align-items: center; justify-content: space-between; gap: 14px; box-shadow: 0 24px 60px rgba(14,26,36,.4); }
.tray.show { transform: translate(-50%, 0); opacity: 1; pointer-events: auto; }
.tray .who { font-size: 15px; line-height: 1.35; min-width: 0; }
.tray .who b { display: block; font-weight: 600; font-size: 14px; color: var(--lime); }
.tray .who span { display: block; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.tray .btn { min-height: 50px; padding: 10px 24px; font-size: 15.5px; background: var(--blue); color: #fff; box-shadow: none; }
@media (max-width: 767px) { .tray { bottom: 84px; } }

/* ---------- puzzle ---------- */
.puz { position: relative; height: 340vh; background: var(--paper); }
.puz-pin { position: sticky; top: 0; height: 100svh; display: grid; align-content: center; justify-items: center; gap: clamp(18px, 3vh, 36px); padding-top: calc(var(--head-h) + 10px); overflow: hidden; }
.puz-title { text-align: center; position: relative; z-index: 3; height: 1.2em; font-family: var(--font); font-weight: 400; font-size: clamp(32px, 4.8vw, 70px); line-height: 1.1; letter-spacing: -.035em; width: 100%; }
.puz-title span { position: absolute; inset: 0; transition: opacity .5s var(--ease), transform .6s var(--ease); }
.puz-title .t2 { opacity: 0; transform: translateY(24px); color: var(--blue-deep); font-weight: 700; }
.puz.done .t1 { opacity: 0; transform: translateY(-24px); }
.puz.done .t2 { opacity: 1; transform: none; }
.puz-stage { direction: ltr; --p: 0; width: min(1020px, 90vw); aspect-ratio: 16/9; display: grid; grid-template-columns: repeat(4, 1fr); grid-template-rows: repeat(3, 1fr); position: relative; border-radius: var(--r-lg); box-shadow: 0 50px 90px -50px rgba(14,26,36,0); }
.puz-stage::before { content: ""; position: absolute; inset: 0; border-radius: var(--r-lg); background-image: var(--img); background-size: cover; background-position: center; opacity: clamp(0, (var(--p) - .92) * 12, 1); }
.tile {
  position: relative; background-image: var(--img); background-size: 400% 300%;
  background-position: var(--bx) var(--by);
  transform: translate(calc(var(--tx) * (1 - var(--p)) * 1px), calc(var(--ty) * (1 - var(--p)) * 1px)) rotate(calc(var(--rot) * (1 - var(--p)) * 1deg)) scale(calc(.82 + var(--p) * .18));
  border-radius: calc(14px * (1 - var(--p)));
  box-shadow: 0 calc(20px * (1 - var(--p))) calc(40px * (1 - var(--p))) rgba(14,26,36,calc(.28 * (1 - var(--p))));
  will-change: transform;
}
.tile.c-tl { border-top-right-radius: var(--r-lg); } .tile.c-tr { border-top-left-radius: var(--r-lg); }
.tile.c-bl { border-bottom-right-radius: var(--r-lg); } .tile.c-br { border-bottom-left-radius: var(--r-lg); }
.chip { direction: rtl; position: absolute; left: 10px; top: 10px; background: #fff; color: var(--text); font-size: 14px; font-weight: 600; padding: 6px 14px; border-radius: 999px; opacity: calc(1 - var(--p) * 2.2); box-shadow: 0 8px 20px rgba(14,26,36,.18); white-space: nowrap; }
.puz-hint { font-size: 15px; color: var(--muted); height: 1.5em; text-align: center; }

.principles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line); margin-top: 0; }
.pr { padding: 36px clamp(20px, 3vw, 40px) 8px; border-inline-start: 1px solid var(--line); }
.pr:first-child { border-inline-start: 0; padding-inline-start: 0; }
.pr .no { font-family: var(--font); font-size: 14px; font-weight: 600; letter-spacing: .1em; color: var(--lime-deep); margin-bottom: 12px; display: block; }
.pr h3 { font-family: var(--font); font-size: clamp(22px, 2.2vw, 30px); font-weight: 600; letter-spacing: -.025em; margin-bottom: 10px; line-height: 1.18; }
.pr p { color: var(--muted); }
@media (max-width: 760px) { .principles { grid-template-columns: 1fr; } .pr { border-inline-start: 0; border-top: 1px solid var(--line); padding: 26px 0; } .pr:first-child { border-top: 0; } }

/* ---------- how (chat) ---------- */
.how { background: var(--ink); color: #fff; }
.how-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(36px, 7vw, 110px); align-items: center; }
.how .lede { color: rgba(255,255,255,.72); }
.how .eyebrow { color: var(--lime); }
.how h2 { margin-bottom: 22px; }
.how .btn { margin-top: 34px; }
.phone { background: #F0EEE8; color: var(--text); border-radius: 36px; padding: 0; overflow: hidden; box-shadow: 0 60px 100px -40px rgba(0,0,0,.7); max-width: 560px; margin-inline: auto; width: 100%; }
.phone-top { background: #fff; padding: 16px 22px; display: flex; align-items: center; gap: 14px; border-bottom: 1px solid var(--line); }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--blue-deep); color: #fff; display: grid; place-items: center; font-family: var(--font); font-size: 21px; font-weight: 600; position: relative; }
.avatar::after { content: ""; position: absolute; inset-inline-end: -1px; bottom: -1px; width: 13px; height: 13px; border-radius: 50%; background: var(--lime); border: 2.5px solid #fff; }
.phone-top b { display: block; font-size: 16.5px; line-height: 1.2; }
.phone-top span { font-size: 13.5px; color: var(--muted); }
.phone-top .tag { margin-inline-start: auto; font-size: 12.5px; font-weight: 600; color: var(--blue-deep); background: rgba(11,120,179,.1); padding: 5px 12px; border-radius: 999px; }
.thread { padding: 24px 20px 30px; display: grid; gap: 12px; }
.msg { max-width: 86%; padding: 14px 18px; border-radius: 20px; font-size: 16.5px; line-height: 1.5; opacity: 0; transform: translateY(16px) scale(.97); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.msg.in { opacity: 1; transform: none; }
.msg .step { display: inline-flex; align-items: center; gap: 8px; font-size: 12.5px; font-weight: 700; color: var(--blue-deep); letter-spacing: .04em; margin-bottom: 5px; }
.msg .step b { font-family: var(--font); font-size: 14px; font-weight: 700; color: var(--lime-deep); }
.msg.them { background: #fff; border-end-start-radius: 6px; justify-self: start; }
.msg.me { background: var(--blue-deep); color: #fff; border-end-end-radius: 6px; justify-self: end; }
.msg.them.bar { background: #fff; }
.msg.q { background: #DDF0FA; color: var(--text); justify-self: end; border-end-end-radius: 6px; }

/* ---------- audience panels ---------- */
.aud { display: flex; gap: 14px; height: clamp(460px, 68vh, 640px); }
.pan { flex: 1 1 0; min-width: 0; position: relative; border-radius: var(--r-lg); overflow: hidden; cursor: pointer; transition: flex-grow .7s var(--ease); background: var(--ink); color: #fff; text-align: start; }
.pan.on { flex-grow: 5.2; cursor: default; }
.pan img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease), filter .6s; filter: saturate(.8) brightness(.8); }
.pan.on img { transform: scale(1.04); filter: none; }
.pan::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(8,22,34,.82) 0%, rgba(8,22,34,.2) 55%, rgba(8,22,34,.25) 100%); }
.pan .lab { position: absolute; z-index: 2; inset-inline: 0; top: 0; bottom: 0; display: flex; align-items: flex-end; justify-content: center; padding: 22px 8px; font-family: var(--font); font-size: 25px; font-weight: 600; letter-spacing: -.01em; writing-mode: vertical-rl; transform: rotate(180deg); transition: opacity .3s; }
.pan.on .lab { opacity: 0; }
.pan .body { position: absolute; z-index: 2; inset-inline: 0; bottom: 0; padding: clamp(22px, 3vw, 40px); opacity: 0; transform: translateY(18px); transition: opacity .5s .15s var(--ease), transform .6s .15s var(--ease); max-width: 640px; }
.pan.on .body { opacity: 1; transform: none; }
.pan .body h3 { font-family: var(--font); font-size: clamp(28px, 3vw, 42px); font-weight: 600; letter-spacing: -.03em; line-height: 1.12; margin-bottom: 12px; }
.pan .body p { color: rgba(255,255,255,.88); font-size: 17.5px; max-width: 38em; }
@media (max-width: 860px) {
  .aud { flex-direction: column; height: auto; }
  .pan { flex: none; height: 84px; transition: height .6s var(--ease); }
  .pan.on { height: 400px; }
  .pan .lab { writing-mode: horizontal-tb; transform: none; align-items: center; justify-content: flex-start; padding: 0 22px; }
}

/* ---------- moments (sticky photo + cards) ---------- */
.mom { position: relative; color: #fff; background: var(--ink); display: grid; }
.mom-bg { grid-area: 1 / 1; position: sticky; top: 0; height: 100svh; align-self: start; overflow: hidden; z-index: 0; }
.mom-bg img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 30%; }
.mom-bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(270deg, rgba(8,22,34,.82) 0%, rgba(8,22,34,.55) 45%, rgba(8,22,34,.35) 100%); }
.mom-grid { grid-area: 1 / 1; position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1fr); gap: clamp(28px, 6vw, 100px); padding-block: 0; }
.mom-title { position: sticky; top: 0; height: 100svh; display: flex; flex-direction: column; justify-content: center; }
.mom-title .eyebrow { color: var(--lime); }
.mom-title p { margin-top: 22px; color: rgba(255,255,255,.82); font-size: 19px; max-width: 30em; }
.mom-cards { display: grid; gap: 26px; padding: 22vh 0 26vh; }
.qcard { background: #fff; color: var(--text); border-radius: var(--r-md); padding: 26px; box-shadow: 0 30px 60px -24px rgba(0,0,0,.5); }
.qcard .tag { display: inline-block; font-size: 13px; font-weight: 700; color: var(--lime-deep); letter-spacing: .04em; margin-bottom: 12px; }
.qcard .q { display: inline-block; background: #DDF0FA; border-radius: 18px 18px 6px 18px; padding: 11px 16px; font-size: 17px; font-weight: 500; margin-bottom: 14px; }
.qcard .a { color: var(--muted); font-size: 17px; margin-bottom: 18px; }
.qcard .link-arrow { color: var(--blue-deep); }
@media (max-width: 900px) {
  .mom-grid { grid-template-columns: 1fr; }
  .mom-title { position: static; height: auto; padding: 90px 0 8px; }
  .mom-cards { padding: 24px 0 90px; }
  .mom-bg::after { background: rgba(8,22,34,.7); }
}

/* ---------- about ---------- */
.about { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(36px, 7vw, 110px); align-items: center; }
.about-ph { position: relative; }
.about-ph .pic { border-radius: var(--r-lg); overflow: hidden; aspect-ratio: 4/5; box-shadow: 0 50px 90px -50px rgba(14,26,36,.5); }
.about-ph .pic img { width: 100%; height: 100%; object-fit: cover; }
.float { position: absolute; background: #fff; border-radius: 18px; padding: 14px 18px; box-shadow: 0 24px 50px rgba(14,26,36,.2); font-size: 15px; line-height: 1.45; max-width: 230px; }
.float b { display: block; color: var(--blue-deep); font-size: 15.5px; margin-bottom: 2px; }
.float.a { inset-inline-end: -24px; top: 12%; }
.float.b { inset-inline-start: -24px; bottom: 10%; }
.about-copy .h-lg { margin-bottom: 24px; }
.about-copy p { color: var(--muted); margin-bottom: 16px; max-width: 54ch; }
.quote { font-family: var(--font); font-size: clamp(23px, 2.3vw, 30px); line-height: 1.35; letter-spacing: -.02em; color: var(--text) !important; font-weight: 500; border-inline-start: 3px solid var(--lime); padding-inline-start: 20px; margin-bottom: 26px !important; max-width: 24em !important; }
.more { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .5s var(--ease); }
.more.open { grid-template-rows: 1fr; }
.more > div { overflow: hidden; }
.tgl { margin-top: 12px; font-weight: 700; color: var(--blue-deep); display: inline-flex; gap: 8px; align-items: center; border-bottom: 2px solid currentColor; padding-bottom: 2px; }
.tgl .less { display: none; }
.tgl[aria-expanded="true"] .less { display: inline; } .tgl[aria-expanded="true"] .m { display: none; }
@media (max-width: 860px) { .about { grid-template-columns: 1fr; } .float.a { inset-inline-end: 8px; } .float.b { inset-inline-start: 8px; } }

/* ---------- faq ---------- */
.faq-wrap { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(32px, 6vw, 100px); align-items: start; }
.faq-list { border-top: 1px solid var(--line); }
.qa { border-bottom: 1px solid var(--line); }
.qa button { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 26px 0; text-align: start; font-family: var(--font); font-size: clamp(20px, 1.9vw, 26px); font-weight: 500; letter-spacing: -.02em; line-height: 1.3; }
.qa button svg { width: 24px; height: 24px; flex-shrink: 0; stroke: var(--blue-deep); fill: none; stroke-width: 2.2; stroke-linecap: round; transition: transform .35s var(--ease); }
.qa.open button svg { transform: rotate(45deg); }
.qa .ans { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .45s var(--ease); }
.qa.open .ans { grid-template-rows: 1fr; }
.qa .ans > div { overflow: hidden; }
.qa .ans p { padding-bottom: 28px; color: var(--muted); font-size: 18px; max-width: 54ch; }
@media (max-width: 860px) { .faq-wrap { grid-template-columns: 1fr; } }

/* ---------- knowledge ---------- */
.kn-list { columns: 2; column-gap: clamp(28px, 5vw, 80px); border-top: 1px solid var(--line); }
.kn { break-inside: avoid; display: grid; grid-template-columns: 44px 1fr auto; gap: 12px; align-items: baseline; padding: 20px 0; border-bottom: 1px solid var(--line); font-size: 18px; line-height: 1.4; }
.kn i { font-style: normal; font-family: var(--font); font-weight: 500; letter-spacing: .06em; font-size: 14px; color: var(--muted); }
.kn em { font-style: normal; font-size: 12.5px; font-weight: 600; color: var(--muted); background: rgba(14,26,36,.07); padding: 3px 10px; border-radius: 999px; white-space: nowrap; }
@media (max-width: 760px) { .kn-list { columns: 1; } }

/* ---------- closing ---------- */
.close { position: relative; color: #fff; background: var(--ink); overflow: hidden; isolation: isolate; }
.close-bg { position: absolute; inset: 0; z-index: -2; }
.close-bg img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 30%; }
.close::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(270deg, rgba(8,22,34,.88) 0%, rgba(8,22,34,.7) 50%, rgba(8,22,34,.45) 100%); }
.close-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: clamp(32px, 6vw, 100px); align-items: center; padding-block: clamp(80px, 10vw, 140px); }
.close h2 { margin-bottom: 20px; }
.close .lede { color: rgba(255,255,255,.85); margin-bottom: 34px; }
.close-act { display: flex; flex-wrap: wrap; gap: 14px; }
.form { background: #fff; color: var(--text); border-radius: var(--r-lg); padding: clamp(24px, 3.4vw, 42px); box-shadow: 0 50px 90px -40px rgba(0,0,0,.6); }
.form h3 { font-family: var(--font); font-size: clamp(24px, 2.4vw, 32px); font-weight: 600; letter-spacing: -.025em; line-height: 1.18; margin-bottom: 6px; }
.form .sub { color: var(--muted); margin-bottom: 22px; font-size: 16px; }
.f-row { margin-bottom: 14px; }
.f-two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 520px) { .f-two { grid-template-columns: 1fr; } }
.f-row label { display: block; font-weight: 600; font-size: 14.5px; margin-bottom: 5px; }
.f-row .req { color: var(--blue-deep); }
.f-row input, .f-row select, .f-row textarea { width: 100%; min-height: 52px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 14px; background: var(--paper); font: inherit; font-size: 16.5px; color: var(--text); transition: border-color .2s, background .2s; }
.f-row textarea { min-height: 84px; resize: vertical; }
.f-row input:focus, .f-row select:focus, .f-row textarea:focus { outline: 0; border-color: var(--blue-deep); background: #fff; }
.form .btn { width: 100%; margin-top: 6px; }
.f-alt { text-align: center; margin-top: 16px; font-size: 15.5px; color: var(--muted); }
.f-alt a { color: var(--blue-deep); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.f-ok { display: none; text-align: center; padding: 34px 0; }
.f-ok .ring { width: 74px; height: 74px; border-radius: 50%; margin: 0 auto 18px; display: grid; place-items: center; background: var(--lime); }
.f-ok svg { width: 34px; height: 34px; stroke: var(--ink); fill: none; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.f-ok h3 { font-size: 32px; margin-bottom: 8px; }
.form.sent form { display: none; } .form.sent .f-ok { display: block; }
@media (max-width: 900px) { .close-grid { grid-template-columns: 1fr; } .close::before { background: rgba(8,22,34,.78); } }

/* ---------- footer ---------- */
.foot { background: var(--ink); color: rgba(255,255,255,.72); padding: 80px 0 34px; font-size: 15px; border-top: 1px solid rgba(255,255,255,.08); }
.foot-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 56px; }
.foot-brand img { height: 62px; width: auto; filter: brightness(0) invert(1); margin-bottom: 16px; }
.foot-brand p { max-width: 28ch; margin-bottom: 18px; }
.foot h4 { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 16px; }
.foot li { margin-bottom: 10px; }
.foot a:hover { color: #fff; }
.foot .soon { opacity: .55; }
.foot .soon em { font-style: normal; font-size: 11.5px; margin-inline-start: 8px; padding: 2px 9px; border-radius: 999px; background: rgba(255,255,255,.1); }
.foot-contact li { display: flex; gap: 10px; align-items: center; }
.foot-contact svg { width: 17px; height: 17px; stroke: var(--lime); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.foot-soc { display: flex; gap: 10px; margin-top: 18px; }
.foot-soc a { width: 40px; height: 40px; border-radius: 50%; border: 1px solid rgba(255,255,255,.22); display: grid; place-items: center; transition: background .2s; }
.foot-soc a:hover { background: rgba(255,255,255,.12); }
.foot-soc svg { width: 18px; height: 18px; stroke: #fff; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.legal { border-top: 1px solid rgba(255,255,255,.12); padding-top: 26px; font-size: 13px; line-height: 1.8; color: rgba(255,255,255,.5); }
.legal p + p { margin-top: 6px; }
@media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: 1 / -1; } }

/* ---------- mobile bar ---------- */
.mbar { position: fixed; inset: auto 0 0 0; z-index: 90; display: grid; grid-template-columns: repeat(2, 1fr); background: #fff; border-top: 1px solid var(--line); padding-bottom: env(safe-area-inset-bottom, 0); box-shadow: 0 -10px 30px rgba(14,26,36,.1); }
.mbar a { display: flex; flex-direction: column; align-items: center; gap: 3px; padding: 10px 4px 9px; font-size: 12.5px; font-weight: 600; color: var(--muted); }
.mbar a + a { border-inline-start: 1px solid var(--line); }
.mbar svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.mbar .call { color: var(--blue-deep); }
@media (min-width: 768px) { .mbar { display: none; } }
@media (max-width: 767px) { body { padding-bottom: 66px; } }

.skip { position: fixed; top: -80px; inset-inline-end: 16px; z-index: 300; background: var(--ink); color: #fff; padding: 12px 18px; border-radius: 10px; }
.skip:focus { top: 12px; }

/* reveal */
.js .rv { opacity: 0; transform: translateY(26px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.js .rv.in { opacity: 1; transform: none; }
.js .rv.d1 { transition-delay: .1s; } .js .rv.d2 { transition-delay: .2s; } .js .rv.d3 { transition-delay: .3s; }

/* soft second line on dark backgrounds */
.how .h-lg .soft, .mom .h-lg .soft, .close .h-lg .soft { color: rgba(255,255,255,.6); }

/* =========================================================
   Travel insurance section — PassportCard visual language
   ========================================================= */
.pc { --pc: #E10514; --pc-dark: #B8040F; --pc-grey: #F4F4F4; position: relative; background: #fff; color: #222; }
.pc h2 { font-family: var(--font); font-weight: 600; color: var(--pc); letter-spacing: -.035em; line-height: 1.04; text-wrap: balance; }
.pc-eyebrow { display: inline-block; font-size: 14px; font-weight: 600; letter-spacing: .08em; color: var(--pc); margin-bottom: 14px; }
.pc-eyebrow.light { color: #fff; opacity: .85; }
.pc-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 12px;
  min-height: 60px; padding: 0 34px; border-radius: 50px;
  background: linear-gradient(180deg, #EE1B28 0%, #C70613 100%); color: #fff;
  font-weight: 600; font-size: 17px; letter-spacing: -.005em; border: 1.5px solid transparent;
  box-shadow: 0 24px 26px -11px rgba(255, 2, 2, .43);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s, border-color .25s;
  white-space: nowrap; cursor: pointer;
}
.pc-btn svg { width: 18px; height: 18px; stroke: currentColor; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease); }
.pc-btn:hover { transform: translateY(-2px); box-shadow: 0 28px 28px -12px rgba(255, 2, 2, .5); }
.pc-btn:hover svg { transform: translateX(-4px); }
.pc-btn-line { background: transparent; color: var(--pc); border-color: var(--pc); box-shadow: none; }
.pc-btn-line:hover { background: var(--pc); color: #fff; box-shadow: 0 20px 24px -12px rgba(255, 2, 2, .4); }

.pc-checks { display: grid; gap: 14px; }
.pc-checks li { display: grid; grid-template-columns: 26px 1fr; gap: 14px; align-items: start; font-size: 17px; line-height: 1.5; }
.pc-checks li::before { content: ""; width: 24px; height: 24px; margin-top: 1px; border-radius: 50%; border: 1.5px solid var(--pc); background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23E10514' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6.5 12.5 3.5 3.5 7.5-8'/%3E%3C/svg%3E") center/15px no-repeat; }
.pc-checks.sm { gap: 12px; }
.pc-checks.sm li { font-size: 16.5px; }

/* intro 50/50 */
.pc-intro { padding: clamp(80px, 10vw, 140px) 0 clamp(56px, 7vw, 96px); }
.pc-intro-grid { display: grid; grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr); gap: clamp(36px, 6vw, 100px); align-items: center; }
.pc-ph { position: relative; }
.pc-pic { border-radius: 36px; overflow: hidden; aspect-ratio: 4 / 4.7; box-shadow: 0 50px 90px -50px rgba(0, 0, 0, .55); }
.pc-pic img { width: 100%; height: 100%; object-fit: cover; }
.pc-float { position: absolute; max-width: 232px; background: #fff; border-radius: 14px; padding: 14px 16px; font-size: 14.5px; line-height: 1.45; color: #333; box-shadow: 0 20px 44px rgba(0, 0, 0, .2); }
.pc-float b { display: block; color: var(--pc); font-weight: 700; font-size: 15.5px; margin-bottom: 2px; }
.pc-float-a { top: 9%; inset-inline-end: -22px; }
.pc-float-b { bottom: 8%; inset-inline-start: -22px; }
.pc-copy h2 { font-size: clamp(42px, 5vw, 72px); margin-bottom: 14px; }
.pc-sub { font-size: clamp(20px, 1.9vw, 26px); font-weight: 500; letter-spacing: -.02em; line-height: 1.3; color: #222; margin-bottom: 16px; max-width: 24em; }
.pc-text { color: #555; margin-bottom: 26px; max-width: 46ch; }
.pc-copy .pc-checks { margin-bottom: 34px; }
.pc-cta { display: flex; flex-wrap: wrap; gap: 14px; }

/* quote bar */
.pc-quote { margin-top: clamp(40px, 5vw, 64px); display: grid; grid-template-columns: 1.3fr 1fr 1fr .7fr auto; gap: 14px; align-items: end; background: #fff; border: 1px solid #E6E6E6; border-radius: 30px; padding: 22px 26px; box-shadow: 0 30px 60px -36px rgba(0, 0, 0, .28); }
.pc-q-title b { display: block; font-size: 18px; font-weight: 600; letter-spacing: -.02em; color: #222; line-height: 1.25; }
.pc-q-title span { display: block; font-size: 14.5px; color: #666; line-height: 1.4; margin-top: 3px; }
.pc-quote label { display: grid; gap: 5px; font-size: 13.5px; font-weight: 600; color: #444; }
.pc-quote input, .pc-quote select { height: 52px; border: 1.5px solid #E2E2E2; border-radius: 16px; padding: 0 14px; font: inherit; font-size: 16px; color: #222; background: #FAFAFA; width: 100%; transition: border-color .2s, background .2s; }
.pc-quote input:focus, .pc-quote select:focus { outline: 0; border-color: var(--pc); background: #fff; }
.pc-quote .pc-btn { min-height: 52px; padding: 0 26px; font-size: 16px; }
@media (max-width: 1080px) { .pc-quote { grid-template-columns: 1fr 1fr; } .pc-q-title { grid-column: 1 / -1; } .pc-quote .pc-btn { grid-column: 1 / -1; } }
@media (max-width: 520px) { .pc-quote { grid-template-columns: 1fr; padding: 20px; } }

/* features */
.pc-feats { background: var(--pc-grey); padding: clamp(70px, 8vw, 110px) 0 56px; }
.pc-head { text-align: center; margin-bottom: clamp(36px, 5vw, 60px); }
.pc-head h2 { font-size: clamp(36px, 4.4vw, 60px); margin-bottom: 10px; }
.pc-head p { font-size: 19px; color: #555; }
.pc-feat-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.pc-feat { text-align: center; padding: 8px 14px; }
.pc-feat svg { width: 58px; height: 58px; stroke: var(--pc); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; margin: 0 auto 16px; display: block; }
.pc-feat h3 { font-size: 21px; font-weight: 600; letter-spacing: -.02em; color: #222; margin-bottom: 8px; }
.pc-feat p { color: #555; font-size: 16px; line-height: 1.55; }
.pc-note { margin: 40px auto 0; max-width: 880px; text-align: center; font-size: 13px; line-height: 1.7; color: #777; }
@media (max-width: 900px) { .pc-feat-row { grid-template-columns: 1fr 1fr; row-gap: 36px; } }
@media (max-width: 520px) { .pc-feat-row { grid-template-columns: 1fr; } }

/* policy */
.pc-policy { padding: clamp(70px, 8vw, 110px) 0; background: #fff; }
.pc-policy-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.pc-card { background: #fff; border: 1px solid #E3E3E3; border-radius: 26px; padding: 30px 30px 34px; display: flex; flex-direction: column; }
.pc-card h3 { font-size: 26px; font-weight: 600; letter-spacing: -.025em; color: #222; padding-bottom: 16px; margin-bottom: 20px; border-bottom: 1px solid #E8E8E8; }
.pc-more { text-align: center; margin-top: 34px; }
.pc-more a { color: var(--pc); font-weight: 700; border-bottom: 2px solid currentColor; padding-bottom: 2px; }
@media (max-width: 900px) { .pc-policy-grid { grid-template-columns: 1fr; } }

/* red band: honest-broker message */
.pc-band { background: var(--pc); color: #fff; padding: clamp(80px, 9vw, 130px) 0; position: relative; overflow: hidden; }
.pc-band::before { content: ""; position: absolute; width: 90vmin; height: 90vmin; border-radius: 50%; border: 1px solid rgba(255, 255, 255, .2); left: -30vmin; bottom: -45vmin; }
.pc-band::after { content: ""; position: absolute; width: 60vmin; height: 60vmin; border-radius: 50%; border: 1px solid rgba(255, 255, 255, .16); left: -15vmin; bottom: -30vmin; }
.pc-band-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1fr); gap: clamp(36px, 5vw, 64px); }
.pc-band-copy { max-width: 880px; }
.pc-band h2 { color: #fff; font-size: clamp(38px, 4.8vw, 68px); margin-bottom: 22px; }
.pc-band-copy p { font-size: clamp(17px, 1.5vw, 20px); line-height: 1.7; color: rgba(255, 255, 255, .94); max-width: 38em; }
.pc-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; max-width: 1020px; }
.pc-card-w { border: 0; color: #222; box-shadow: 0 40px 70px -40px rgba(0, 0, 0, .5); }
.pc-card-w h3 { font-size: 23px; }
.pc-card-w .pc-checks { flex: 1; margin-bottom: 26px; }
.pc-card-w .pc-btn { align-self: stretch; min-height: 56px; padding: 0 22px; font-size: 16px; }
@media (max-width: 640px) { .pc-pair { grid-template-columns: 1fr; } }

@media (max-width: 899px) {
  .pc-intro-grid { grid-template-columns: 1fr; }
  .pc-pic { aspect-ratio: 4 / 3.4; }
  .pc-float-a { inset-inline-end: 8px; }
  .pc-float-b { inset-inline-start: 8px; }
}

.close-mail { margin-top: 22px; font-size: 16px; color: rgba(255,255,255,.82); }
.close-mail a { color: #fff; font-weight: 600; text-decoration: underline; text-underline-offset: 4px; }

/* =========================================================
   Legal pages (privacy / accessibility / terms)
   ========================================================= */
body.lp { background: var(--paper); }
.lp-head { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 10; }
.lp-head .wrap { display: flex; justify-content: space-between; align-items: center; height: 76px; }
.lp-head img { height: 48px; width: auto; }
.lp-head .back { font-weight: 600; color: var(--blue-deep); }
.lp-head .back:hover { text-decoration: underline; text-underline-offset: 4px; }
.lp-main { padding: clamp(40px, 6vw, 88px) 0; }
.lp-doc { max-width: 800px; margin-inline: auto; background: #fff; border-radius: 28px; padding: clamp(26px, 5vw, 64px); box-shadow: 0 40px 80px -50px rgba(14, 26, 36, .35); }
.lp-doc h1 { font-weight: 600; letter-spacing: -.035em; font-size: clamp(34px, 4.6vw, 54px); line-height: 1.08; margin-bottom: 10px; }
.lp-meta { color: var(--muted); margin-bottom: 30px; padding-bottom: 24px; border-bottom: 1px solid var(--line); }
.lp-doc h2 { font-size: 22px; font-weight: 600; letter-spacing: -.02em; margin: 36px 0 10px; color: var(--ink); }
.lp-doc p, .lp-doc li { line-height: 1.85; color: #33393f; font-size: 17px; }
.lp-doc p + p { margin-top: 10px; }
.lp-doc ul { list-style: disc; padding-inline-start: 22px; display: grid; gap: 8px; margin: 10px 0; }
.lp-doc a { color: var(--blue-deep); text-decoration: underline; text-underline-offset: 3px; }
.lp-foot { padding: 28px 0 44px; font-size: 14.5px; color: var(--muted); text-align: center; }
.lp-foot nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 24px; margin-bottom: 12px; font-weight: 500; }
.lp-foot a:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }

/* consent note under forms */
.f-consent { margin-top: 12px; font-size: 13.5px; line-height: 1.55; color: var(--muted); text-align: center; }
.f-consent a { color: var(--blue-deep); text-decoration: underline; text-underline-offset: 3px; }

.legal a { color: rgba(255,255,255,.82); text-decoration: underline; text-underline-offset: 3px; }
.legal a:hover { color: #fff; }
.lp-foot p + p { margin-top: 6px; }


/* =========================================================
   Knowledge center: article + hub
   ========================================================= */
.lp-head .lp-nav { display: flex; align-items: center; gap: clamp(12px, 2.4vw, 28px); font-size: 15.5px; font-weight: 500; }
.lp-head .lp-nav a:not(.btn):hover { color: var(--blue-deep); }
@media (max-width: 640px) { .lp-head .lp-nav a:not(.btn):not(:first-child) { display: none; } }
.lp-foot nav a { white-space: nowrap; }

.ar-wrap { width: 100%; max-width: 780px; margin-inline: auto; padding-inline: clamp(20px, 4vw, 32px); }
.ar-hero { background: var(--paper); padding: clamp(36px, 6vw, 80px) 0 clamp(28px, 4vw, 48px); border-bottom: 1px solid var(--line); }
.ar-crumbs { display: flex; flex-wrap: wrap; gap: 6px 10px; font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.ar-crumbs a:hover { color: var(--blue-deep); text-decoration: underline; text-underline-offset: 3px; }
.ar-cat { display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: .06em; color: var(--blue-deep); background: rgba(11, 120, 179, .1); padding: 5px 14px; border-radius: 999px; margin-bottom: 18px; }
.ar h1 { font-weight: 600; letter-spacing: -.035em; font-size: clamp(32px, 4.8vw, 54px); line-height: 1.1; margin-bottom: 16px; text-wrap: balance; }
.ar-deck { font-size: clamp(18px, 1.8vw, 22px); line-height: 1.55; color: var(--ink-soft); margin-bottom: 20px; text-wrap: pretty; }
.ar-meta { display: flex; flex-wrap: wrap; gap: 4px 10px; font-size: 14.5px; color: var(--muted); }

.ar-body { padding-top: clamp(28px, 4vw, 48px); padding-bottom: clamp(48px, 7vw, 96px); }
.ar-sum { background: #fff; border: 1px solid var(--line); border-inline-start: 4px solid var(--lime); border-radius: 18px; padding: 22px 24px; margin-bottom: 36px; box-shadow: 0 20px 40px -30px rgba(14, 26, 36, .25); }
.ar-sum h2 { font-size: 15px; font-weight: 700; letter-spacing: .08em; color: var(--blue-deep); margin: 0 0 8px; }
.ar-sum p { font-size: 18px; line-height: 1.7; color: var(--ink); font-weight: 500; margin: 0 0 12px; }
.ar-sum ul { list-style: disc; padding-inline-start: 22px; display: grid; gap: 6px; color: var(--ink-soft); font-size: 16.5px; }

.ar-sec { margin-bottom: 8px; }
.ar-sec h2, .ar-faq h2, .ar-related h2, .ar-about h2 { font-weight: 600; letter-spacing: -.025em; font-size: clamp(22px, 2.4vw, 28px); line-height: 1.25; margin: 34px 0 12px; color: var(--ink); }
.ar-sec p, .ar-sec li, .ar-faq p, .ar-about p { font-size: 18px; line-height: 1.9; color: #2f363c; }
.ar-sec p + p { margin-top: 12px; }
.ar-sec ul, .ar-sec ol { display: grid; gap: 10px; padding-inline-start: 24px; margin: 8px 0; }
.ar-sec ul { list-style: disc; }
.ar-sec ol { list-style: decimal; }
.ar-sec li::marker { color: var(--blue-deep); font-weight: 700; }
.ar a { color: var(--blue-deep); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1.5px; }
.ar a.btn { text-decoration: none; }
.ar a.btn-fill { color: #fff; }

.ar-faq details { border-bottom: 1px solid var(--line); }
.ar-faq details:first-of-type { border-top: 1px solid var(--line); }
.ar-faq summary { cursor: pointer; list-style: none; padding: 18px 4px; font-weight: 600; font-size: 18.5px; display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.ar-faq summary::-webkit-details-marker { display: none; }
.ar-faq summary::after { content: "+"; font-size: 26px; line-height: 1; color: var(--blue-deep); transition: transform .2s; }
.ar-faq details[open] summary::after { transform: rotate(45deg); }
.ar-faq details p { padding: 0 4px 20px; }

.ar-cta { margin: 44px 0 8px; background: var(--ink); color: #fff; border-radius: 26px; padding: clamp(24px, 4vw, 40px); }
.ar-cta h2 { margin: 0 0 8px; color: #fff; font-size: clamp(24px, 2.8vw, 32px); }
.ar-cta p { color: rgba(255, 255, 255, .82); font-size: 17px; line-height: 1.7; margin-bottom: 22px; }
.ar-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.ar-cta .btn-line { color: #fff; border-color: rgba(255, 255, 255, .6); }
.ar-cta .btn-line:hover { background: #fff; color: var(--ink); border-color: #fff; }

.ar-related ul { display: grid; gap: 10px; }
.ar-related a { display: block; padding: 16px 18px; background: #fff; border: 1px solid var(--line); border-radius: 16px; text-decoration: none; color: var(--ink); font-weight: 600; font-size: 17px; line-height: 1.4; transition: border-color .2s, transform .2s; }
.ar-related a:hover { border-color: var(--blue-deep); transform: translateY(-2px); }
.ar-rel-cat { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: .06em; color: var(--lime-deep); margin-bottom: 2px; }

.ar-about { margin-top: 24px; padding-top: 8px; border-top: 1px solid var(--line); }
.ar-about p { font-size: 16.5px; color: var(--muted); }
.ar-contact { margin-top: 10px; }
.ar-disc { margin-top: 22px; font-size: 13.5px; line-height: 1.7; color: var(--muted); }

.kh { padding: clamp(40px, 6vw, 88px) 0 clamp(56px, 8vw, 110px); }
.kh h1 { font-weight: 600; letter-spacing: -.035em; font-size: clamp(38px, 5.4vw, 68px); line-height: 1.05; margin-bottom: 14px; }
.kh-lede { font-size: clamp(18px, 1.8vw, 22px); color: var(--ink-soft); max-width: 40em; margin-bottom: clamp(28px, 4vw, 52px); }
.kh-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 340px), 1fr)); gap: 20px; }
.kh-card { display: flex; flex-direction: column; height: 100%; background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 26px; transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s; }
.kh-card:hover { transform: translateY(-4px); border-color: var(--blue-deep); box-shadow: 0 30px 50px -34px rgba(14, 26, 36, .4); }
.kh-no { font-size: 13px; font-weight: 600; letter-spacing: .1em; color: var(--muted); }
.kh-cat { align-self: flex-start; margin: 10px 0 12px; font-size: 12.5px; font-weight: 700; letter-spacing: .06em; color: var(--lime-deep); }
.kh-card h2 { font-size: 21px; font-weight: 600; letter-spacing: -.02em; line-height: 1.3; margin-bottom: 10px; }
.kh-card p { color: var(--muted); font-size: 15.5px; line-height: 1.65; flex: 1; }
.kh-more { margin-top: 18px; display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--blue-deep); }
.kh-more svg { width: 16px; height: 16px; stroke: currentColor; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }

/* home knowledge rows are links now */
a.kn { text-decoration: none; color: inherit; transition: background .2s, padding .2s; }
a.kn:hover span { color: var(--blue-deep); }
a.kn em { color: var(--blue-deep); background: rgba(11, 120, 179, .1); }

/* analytics consent banner */
.consent { position: fixed; z-index: 8500; inset-inline-start: 16px; bottom: 16px; max-width: min(460px, calc(100vw - 32px)); background: #fff; color: var(--ink); border: 1px solid var(--line); border-radius: 18px; padding: 14px 16px; box-shadow: 0 24px 60px -20px rgba(14, 26, 36, .35); display: grid; gap: 12px; }
.consent p { font-size: 14px; line-height: 1.55; margin: 0; }
.consent a { color: var(--blue-deep); text-decoration: underline; text-underline-offset: 3px; }
.consent-actions { display: flex; gap: 10px; }
.consent-btn { flex: 1; min-height: 42px; border-radius: 12px; font: 600 15px/1 var(--font); cursor: pointer; border: 1.5px solid var(--ink); background: #fff; color: var(--ink); }
.consent-yes { background: var(--blue-deep); border-color: var(--blue-deep); color: #fff; }
@media (max-width: 767px) { .consent { bottom: 78px; inset-inline: 12px; max-width: none; } }


/* mobile polish */
.link-arrow { min-height: 44px; }
.text-link, .f-alt a, .f-consent a, .pc-more a { padding-block: 10px; }
@media (max-width: 640px) {
}

@media (max-width: 640px) {
  .stmt-dots { inset-inline-start: auto; left: 50%; top: auto; bottom: 92px; transform: translateX(-50%); display: flex; gap: 12px; }
}


/* comfortable tap targets in footers */
.foot li a, .foot-contact a { display: inline-block; padding-block: 6px; }
.lp-foot nav a { display: inline-block; padding-block: 8px; }
.ar-crumbs a { display: inline-block; padding-block: 6px; }

/* ---------- floating WhatsApp ---------- */
.wa-float {
  position: fixed; z-index: 8400; right: 20px; bottom: 24px;
  display: inline-flex; align-items: center; height: 62px; border-radius: 999px;
  background: #25D366; color: #fff; border: 3px solid #fff; text-decoration: none;
  box-shadow: 0 14px 30px -8px rgba(14, 26, 36, .45), 0 2px 8px rgba(14, 26, 36, .2);
  transition: transform .25s var(--ease), background .2s;
}
.wa-float::after { content: ''; position: absolute; inset: -3px; border-radius: inherit; pointer-events: none; animation: waPulse 2.2s ease-out 2.5s 3; }
@keyframes waPulse { 0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, .55); } 100% { box-shadow: 0 0 0 20px rgba(37, 211, 102, 0); } }
.wa-float-ico { width: 56px; height: 56px; display: grid; place-items: center; flex: none; }
.wa-float-ico svg { width: 34px; height: 34px; fill: currentColor; }
.wa-float-txt { max-width: 0; overflow: hidden; white-space: nowrap; font: 600 15.5px/1 var(--font); transition: max-width .35s var(--ease), padding .35s var(--ease); }
.wa-float:hover, .wa-float:focus-visible { background: #1EBE5A; transform: translateY(-2px); }
.wa-float:hover .wa-float-txt, .wa-float:focus-visible .wa-float-txt { max-width: 240px; padding-inline-end: 20px; }
.wa-float:focus-visible { outline: 3px solid var(--ink); outline-offset: 3px; }
html.consent-open .wa-float { bottom: calc(var(--consent-h, 150px) + 16px); }
@media (min-width: 768px) and (max-width: 820px) { html:has(.tray.show) .wa-float { bottom: 112px; } }
@media (max-width: 767px) {
  .wa-float { right: 12px; bottom: 84px; height: 58px; }
  .wa-float-ico { width: 52px; height: 52px; }
  .wa-float-ico svg { width: 32px; height: 32px; }
  .wa-float-txt { display: none; }
  html.consent-open .wa-float { bottom: calc(var(--consent-h, 150px) + 90px); }
  html:has(.tray.show) .wa-float { bottom: 168px; }
}
@media (prefers-reduced-motion: reduce) { .wa-float::after { animation: none; } .wa-float, .wa-float-txt { transition: none; } }