/* ===== American Insurance — v17 design system (shared sub-page stylesheet) ===== */
:root{
  --bg:#FFFFFF;--panel:#FFFFFF;--ink:#16212B;--navy:#0A2540;--navy-2:#0c2c4c;
  --muted:#5F6B77;--red:#C8102E;--red-2:#A60D26;--amber:#E8A33D;--green:#1F9D55;
  --line:rgba(22,33,43,.12);--soft:#F4F4F6;--gold:#E8A33D;
  --radius:16px;--shadow:0 18px 40px rgba(22,33,43,.10);--shadow-lg:0 34px 70px rgba(22,33,43,.16);--container:1200px
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Hanken Grotesk',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);font-size:18px;line-height:1.62;-webkit-font-smoothing:antialiased;background:var(--bg);overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
h1,h2,h3,h4,.dsp{font-family:'Fraunces',Georgia,serif;font-weight:600;line-height:1.04;letter-spacing:-.02em;color:var(--ink)}
em{font-style:italic;font-weight:500;color:var(--red)}
.container{width:min(var(--container),92vw);margin:0 auto}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px 16px;border-radius:10px;z-index:999}
:focus-visible{outline:3px solid var(--red);outline-offset:2px;border-radius:4px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.sub{color:var(--muted);font-size:clamp(1.1rem,1.5vw,1.28rem);max-width:60ch}
section{position:relative}
.flow{background:var(--bg)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:'Hanken Grotesk';font-weight:700;font-size:1rem;padding:14px 24px;border-radius:999px;cursor:pointer;border:1.6px solid transparent;transition:transform .2s,box-shadow .2s,background .2s,color .2s;white-space:nowrap}
.btn svg,.btn .ico{width:18px;height:18px}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 10px 24px rgba(200,16,46,.28)}
.btn-primary:hover{background:var(--red-2);transform:translateY(-2px);box-shadow:0 16px 30px rgba(200,16,46,.34)}
.btn-out{background:rgba(255,255,255,.6);border-color:rgba(22,33,43,.22);color:var(--ink)}
.btn-out:hover{border-color:var(--ink);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}
.btn-lg{padding:16px 30px;font-size:1.05rem}
.callnow{display:inline-flex;align-items:center;gap:9px;font-weight:700;color:var(--navy);padding:14px 22px;border-radius:999px;border:1.6px solid rgba(22,33,43,.22)}
.callnow:hover{border-color:var(--ink)}
.ico{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;vertical-align:middle}

/* topbar — removed per request */
.topbar{display:none}
.topbar-x{background:var(--navy);color:#dfe7ef;font-size:.82rem}
.topbar .container{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:8px 0}
.topbar a{color:#fff;font-weight:600;display:inline-flex;align-items:center;gap:6px}
.topbar .habla{display:inline-flex;align-items:center;gap:7px;color:#cdd8e4}
.topbar .habla .dot{width:7px;height:7px;border-radius:50%;background:var(--amber)}
@media(max-width:760px){.topbar{display:none}}

/* header / nav */
header.site{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.82);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s,background .3s}
header.site.shrink{border-color:var(--line);box-shadow:0 8px 28px rgba(22,33,43,.06);background:rgba(255,255,255,.92)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;width:min(var(--container),92vw);margin:0 auto;padding:13px 0}
.nav .logo{flex:0 0 auto;line-height:0}
.nav .logo img{height:62px;width:auto;max-width:none;object-fit:contain;display:block}
.menu{display:flex;gap:24px;font-weight:600;font-size:.96rem}
.menu a{position:relative;color:#33414e;padding:4px 0}
.menu a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--red);transition:width .25s}
.menu a:hover{color:var(--ink)}.menu a:hover::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:14px;min-width:0;flex-shrink:1}
.lang{display:inline-flex;border:1.4px solid var(--line);border-radius:999px;overflow:hidden}
.lang-btn{background:transparent;border:0;padding:7px 11px;font:inherit;font-weight:700;font-size:.8rem;color:var(--muted);cursor:pointer}
.lang-btn.active{background:var(--navy);color:#fff}
.phone-link{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--navy)}
.phone-link svg,.phone-link .ico{stroke:var(--green)!important;color:var(--green)}
.phone-link small{display:block;font-weight:500;font-size:.7rem;color:var(--muted)}
.hamburger{display:none;width:44px;height:44px;border:1.4px solid var(--line);border-radius:12px;background:transparent;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:4px}
.hamburger span{width:19px;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:1040px){.menu,.phone-link{display:none}.hamburger{display:flex}}
/* MOBILE HEADER FIX */
@media(max-width:1040px){
  .nav{gap:10px;padding:10px 0}
  .nav .logo img{height:50px}
  .nav-cta .lang{display:none}           /* still available inside the drawer */
  .nav-cta .btn{padding:11px 18px;font-size:.92rem;white-space:nowrap}
}
@media(max-width:760px){
  .nav .logo img{height:44px}
  .nav-cta .btn{display:none}            /* sticky bottom bar already has this CTA */
}

/* live-status light */
.navstatus{display:flex!important;align-items:center;gap:6px;font-weight:600;font-size:.68rem;margin-top:2px;letter-spacing:.01em}
.navstatus .dot{width:8px;height:8px;border-radius:50%;background:var(--muted);color:var(--muted);position:relative;flex:none;animation:statusBlink 1.7s ease-in-out infinite}
.navstatus.live{color:#1c7a45}.navstatus.live .dot{background:var(--green);color:var(--green)}
.navstatus.live .dot::after{content:"";position:absolute;inset:-3px;border-radius:50%;border:2px solid var(--green);animation:ping 1.8s ease-out infinite}
.navstatus.ai{color:#2c5fb3}.navstatus.ai .dot{background:#3B82F6;color:#3B82F6}
@keyframes ping{0%{transform:scale(1);opacity:.65}100%{transform:scale(2.3);opacity:0}}
@keyframes statusBlink{0%,100%{opacity:1;box-shadow:0 0 0 0 currentColor}50%{opacity:.45;box-shadow:0 0 8px 1px currentColor}}

/* drawer + mobile bar */
.drawer{position:fixed;inset:0;z-index:300;background:rgba(11,22,32,.5);opacity:0;pointer-events:none;transition:.3s}
.drawer.open{opacity:1;pointer-events:auto}
.drawer .panel{position:absolute;top:0;right:0;width:84%;max-width:330px;height:100%;background:var(--bg);padding:24px;display:flex;flex-direction:column;gap:6px;transform:translateX(100%);transition:transform .3s}
.drawer.open .panel{transform:none}
.drawer .panel a{padding:13px 4px;border-bottom:1px solid var(--line);font-weight:600;font-size:1.05rem}
.drawer .panel .btn{margin-top:12px;justify-content:center}
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:150;display:none;gap:10px;padding:10px 14px;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
.mobile-bar .btn{flex:1;justify-content:center;padding:13px}
@media(max-width:760px){.mobile-bar{display:flex}main{padding-bottom:70px}}

/* hero */
.hero.page-hero{position:relative;overflow:hidden;isolation:isolate}
.hero.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(55% 60% at 84% 8%,rgba(200,16,46,.10),transparent 60%),radial-gradient(50% 60% at 4% 96%,rgba(10,37,64,.09),transparent 60%),radial-gradient(60% 70% at 60% 100%,rgba(232,163,61,.10),transparent 60%)}
.hero.page-hero .container{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,4vw,64px);align-items:center;padding:clamp(40px,5vw,76px) 0 clamp(48px,5vw,84px)}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.7rem);margin:6px 0 20px;max-width:16ch}
.hero .sub{margin-bottom:22px}
.crumb{font-size:.82rem;color:var(--muted);font-weight:600;margin-bottom:16px}
.crumb a{color:var(--red)}
.hero-cta{display:flex;flex-wrap:wrap;gap:13px;margin-top:8px}
.hero-trust{display:flex;flex-wrap:wrap;align-items:center;gap:8px 14px;margin-top:26px;font-weight:600;font-size:.9rem;color:#33414e}
.hero-trust .sep{width:5px;height:5px;border-radius:50%;background:var(--amber)}
.hero-bullets{list-style:none;margin:4px 0 22px}
.hero-bullets li{display:flex;align-items:flex-start;gap:10px;margin-bottom:10px;font-weight:600;color:var(--ink)}
.hero-bullets svg{flex:none;width:19px;height:19px;stroke:var(--green);fill:none;stroke-width:2.6;margin-top:3px}
.hero-bullets.two{display:grid;grid-template-columns:1fr 1fr;gap:2px 28px}
.hero-right .hero-photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3}
.hero-right .hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-photo.ph-ph{display:grid;place-items:center;background:radial-gradient(circle at 50% 40%,#fff,#f1e7da);color:var(--muted)}
.ph-people{text-align:center}.ph-people .lbl{font-weight:700;margin-top:8px;color:var(--ink)}.ph-people .sub2{font-size:.82rem}
@media(max-width:880px){.hero.page-hero .container{grid-template-columns:1fr}.hero-bullets.two{grid-template-columns:1fr}.hero h1{max-width:none}}

/* contact form */
.hero-form{background:rgba(255,255,255,.9);backdrop-filter:blur(8px);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-lg);padding:26px}
.hero-form h3{font-size:1.5rem;margin-bottom:3px}
.hero-form .qp{color:var(--muted);font-size:.92rem;margin-bottom:16px}
.field{margin-bottom:13px}
.field label{display:block;font-weight:600;font-size:.82rem;color:var(--muted);margin-bottom:6px}
.field select,.field input{width:100%;padding:13px 14px;border:1.6px solid var(--line);border-radius:12px;font-size:1.01rem;font-family:inherit;color:var(--ink);background:#fff}
.field select:focus,.field input:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.12)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hero-form .btn{width:100%;justify-content:center;margin-top:6px}
.ticks{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:14px;font-size:.82rem;font-weight:600;color:var(--muted)}
.ticks span{display:inline-flex;align-items:center;gap:6px}.ticks svg{width:16px;height:16px;stroke:var(--green);fill:none;stroke-width:2.6}
.qnote{margin-top:12px;font-size:.78rem;color:var(--muted);display:flex;align-items:center;gap:6px}
.states{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.states span{font-size:.82rem;font-weight:600;background:#fff;border:1px solid var(--line);padding:6px 13px;border-radius:999px}
.fcontact div{display:flex;align-items:center;gap:9px;margin-bottom:8px;color:var(--muted)}
.fcontact a{color:var(--navy);font-weight:600}

/* section heads + bands */
.sec{padding:clamp(56px,7vw,104px) 0}
section>.container{padding:clamp(44px,5.2vw,78px) 0}
.hero.page-hero>.container{padding-top:clamp(40px,5vw,76px)}
.sec-head{max-width:62ch}
.sec-head h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
.sec-head p{margin-top:14px;color:var(--muted)}
.soft{background:var(--soft)}
.about{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(28px,4vw,56px);align-items:center}
.about.rev .ph{order:2}
.about .ph img{width:100%;aspect-ratio:16/10;border-radius:20px;box-shadow:var(--shadow-lg);object-fit:cover}
.about{align-items:center}.vsec .about{align-items:center}
.about h2{font-size:clamp(1.8rem,3.2vw,2.5rem)}
.about ul{list-style:none;margin:16px 0 0}
.about ul li{display:flex;align-items:flex-start;gap:11px;margin-bottom:11px;font-weight:500}
.about ul li svg{flex:none;width:20px;height:20px;stroke:var(--green);fill:none;stroke-width:2.6;margin-top:3px}
.about p{max-width:none;color:var(--muted)}
.blead{color:var(--muted);font-size:1.16rem;line-height:1.62;margin:14px 0 18px}
.sub strong,.blead strong,.lead strong,.tic{color:var(--ink);font-weight:600;font-style:italic}
/* 3-way comparison + situations */
.cmp3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.cmp3 .c{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;box-shadow:var(--shadow)}
.cmp3 .c h3{font-size:1.2rem;margin-bottom:2px}
.cmp3 .c .tag2{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.cmp3 .c dl{margin-top:10px}
.cmp3 .c dt{font-size:.74rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-top:12px}
.cmp3 .c dd{margin:2px 0 0;font-weight:500;font-size:.97rem}
.sits{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:32px}
.sit{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.sit svg{flex:none;width:20px;height:20px;stroke:var(--red);fill:none;stroke-width:2.4;margin-top:2px}
.sit b{display:block;font-size:1.01rem;margin-bottom:2px}
.sit span{color:var(--muted);font-size:.93rem}
.terms{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 30px;margin-top:30px}
.term{border-bottom:1px solid var(--line);padding-bottom:12px}
.term b{display:block;color:var(--ink);font-size:1.02rem;margin-bottom:2px}
.term span{color:var(--muted);font-size:.95rem}
@media(max-width:900px){.cmp3,.sits{grid-template-columns:1fr}.terms{grid-template-columns:1fr}}
/* financial planning */
.plan-picks{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:30px}
.plan-picks a{display:flex;align-items:center;gap:12px;background:#fff;border:1.6px solid var(--line);border-radius:14px;padding:16px 18px;font-weight:600;transition:.2s}
.plan-picks a:hover{border-color:var(--red);transform:translateY(-3px);box-shadow:var(--shadow)}
.plan-picks svg{width:20px;height:20px;stroke:var(--red);fill:none;stroke-width:2.4;flex:none}
.journey{max-width:820px;margin:44px auto 0;position:relative}
.journey:before{content:"";position:absolute;left:78px;top:16px;bottom:16px;width:2px;background:linear-gradient(180deg,var(--red),var(--gold,#E8A33D))}
.jstep{display:grid;grid-template-columns:78px 1fr;gap:26px;align-items:start;padding:14px 0;position:relative}
.jstep .age{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:1.16rem;color:var(--red);text-align:right;padding-top:2px}
.jstep .jdot{position:absolute;left:72px;top:20px;width:14px;height:14px;border-radius:50%;background:var(--red);border:3px solid #fff;box-shadow:0 0 0 2px var(--line)}
.jstep .jbody{padding-left:22px}
.jstep h3{font-size:1.12rem;margin:0 0 3px}
.jstep p{color:var(--muted);font-size:.98rem;margin:0}
.split2{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:34px}
.split2 .col{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow)}
.split2 .col h3{font-size:1.24rem;margin-bottom:4px}
.split2 .col .kicker{color:var(--red);font-weight:700;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
.split2 .col ul{list-style:none;margin-top:12px}
.split2 .col li{display:flex;gap:10px;align-items:flex-start;margin-bottom:10px;font-weight:500}
.split2 .col li svg{flex:none;width:19px;height:19px;stroke:var(--green);fill:none;stroke-width:2.6;margin-top:3px}
@media(max-width:820px){.plan-picks{grid-template-columns:1fr 1fr}.split2{grid-template-columns:1fr}}
@media(max-width:560px){.plan-picks{grid-template-columns:1fr}.journey:before{left:8px}.jstep{grid-template-columns:1fr;gap:6px}.jstep .age{text-align:left;padding-left:30px}.jstep .jdot{left:2px;top:10px}.jstep .jbody{padding-left:30px}}
.team{display:grid;gap:20px;margin:44px auto 0;max-width:940px}
.member{display:grid;grid-template-columns:120px 1fr;gap:26px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 30px;box-shadow:var(--shadow)}
.member .tm-ph{width:104px;height:104px;border-radius:50%;object-fit:cover;color:#fff;display:grid;place-items:center;font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:2rem;flex:none}
.member h3{font-size:1.32rem;margin:0}
.member .tm-role{color:var(--red);font-weight:700;font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;margin:4px 0 12px}
.member p{color:var(--muted)}
@media(max-width:620px){.member{grid-template-columns:1fr;justify-items:center;text-align:center;padding:26px 22px}}
@media(max-width:960px){.about{grid-template-columns:1fr}.about.rev .ph{order:0}.about p{max-width:62ch}}

/* carriers */
.carriers{background:#ffffff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.carriers .container{padding:34px 0;text-align:center}
.carriers p{font-weight:700;color:var(--muted);font-size:.84rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:20px}
.flow .carriers{background:transparent}
.carrier-row{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px;max-width:1080px;margin:0 auto}
.carrier-row img{width:140px;height:64px;object-fit:contain;background:#fff;border:1px solid var(--line);border-radius:12px;padding:11px 16px;box-shadow:0 2px 8px rgba(22,33,43,.05);transition:.2s}
.carrier-row img:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.carrier-ph-row{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;max-width:860px;margin:0 auto}
.carrier-ph{height:52px;display:grid;place-items:center;background:var(--soft);border:1px dashed #d8cab8;border-radius:10px;color:#b6a489;font-weight:800;font-size:.72rem;letter-spacing:.08em}
.carrier-cap{color:var(--muted);font-size:.78rem;margin-top:14px;font-style:italic}
@media(max-width:700px){.carrier-row img{width:120px;height:58px}.carrier-ph-row{grid-template-columns:repeat(3,1fr)}}

/* svc grid + features */
.svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.svc{display:flex;gap:13px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;transition:.25s}
.svc:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.svc svg{flex:none;width:22px;height:22px;stroke:var(--red);fill:none;stroke-width:2.4;margin-top:2px}
.svc b{display:block;color:var(--ink);font-size:1.02rem;margin-bottom:2px}
.svc span{color:var(--muted);font-size:.98rem}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.feat{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.28s}
.feat:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.feat h3{font-size:1.28rem;margin-bottom:8px}
.feat p{color:var(--muted);font-size:1.02rem}
.feat .more{display:inline-block;margin-top:13px;font-weight:700;color:var(--red);font-size:.92rem}
@media(max-width:900px){.svc-grid{grid-template-columns:1fr}.features{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.features{grid-template-columns:1fr}}

/* compare + bgrid */
.vsec{padding:0}
.compare .sec-head{margin-bottom:18px;text-align:center;margin-inline:auto}
.compare .carrier-row{margin:8px auto 0}
.bgrid-head{text-align:center;font-weight:800;color:var(--ink);margin:34px 0 4px;font-size:1.05rem}
.bgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px 22px;max-width:820px;margin:18px auto 0}
.bitem{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--ink);font-size:.98rem}
.bitem svg{flex:none;width:20px;height:20px;stroke:var(--green);fill:none;stroke-width:2.6}
@media(max-width:760px){.bgrid{grid-template-columns:1fr 1fr}}
@media(max-width:440px){.bgrid{grid-template-columns:1fr}}

/* faq */
.container:has(.faq) .sec-head{text-align:center;max-width:none;margin:0 auto 4px}
.faq{max-width:800px;margin:36px auto 0}
.faq details{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:12px;overflow:hidden}
.faq summary{padding:18px 20px;font-weight:700;font-size:1.1rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--red);font-size:1.4rem;font-weight:400;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq .ans{padding:0 20px 18px;color:var(--muted)}

/* why / adv / steps / stats / trust */
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:8px}
.why .item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.why .item .badge{width:48px;height:48px;border-radius:13px;background:#fff5f4;color:var(--red);display:grid;place-items:center;margin-bottom:14px}
.why .item h3{font-size:1.2rem;margin-bottom:6px}.why .item p{color:var(--muted);font-size:1.01rem}
.adv{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:8px}
.adv .item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-align:center}
.adv .item .ico{width:54px;height:54px;border-radius:50%;background:var(--red);display:grid;place-items:center;margin:0 auto 14px}
.adv .item .ico svg{width:24px;height:24px;stroke:#fff}
.adv .item h3{font-size:1.2rem;margin-bottom:7px}.adv .item p{color:var(--muted);font-size:1.01rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:8px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.step .snum{font-family:'Fraunces';font-weight:600;font-size:2.4rem;color:var(--red)}
.step .sico{display:none}
.step h3{font-size:1.26rem;margin:8px 0 7px}.step p{color:var(--muted);font-size:1.02rem}
.statband{background:var(--navy);color:#fff}
.statband .stats4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:clamp(44px,5vw,72px) 0;text-align:center}
.statband .num{font-family:'Fraunces';font-weight:600;font-size:clamp(2.2rem,4vw,3.4rem)}
.statband .lbl{margin-top:7px;color:rgba(255,255,255,.82);font-weight:600;font-size:.92rem}
.trust-strip{display:flex;flex-wrap:wrap;gap:10px 18px}
.trust-strip .t{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.9rem;color:#33414e}
.trust-strip .t svg{width:18px;height:18px;stroke:var(--green);fill:none;stroke-width:2.4}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips a{border:1.4px solid var(--line);border-radius:999px;padding:9px 16px;font-weight:600;font-size:.92rem;color:var(--ink)}
.chips a:hover{border-color:var(--red);color:var(--red)}
@media(max-width:1150px){.adv{grid-template-columns:repeat(3,1fr)}}
@media(max-width:900px){.why,.adv{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr}}
@media(max-width:520px){.why,.adv{grid-template-columns:1fr}}

/* cta band */
.cta-band{position:relative;overflow:hidden;background:var(--navy);color:#fff;text-align:center}
.cta-band .bg{position:absolute;inset:0;background:radial-gradient(60% 120% at 85% 0,rgba(200,16,46,.4),transparent 60%)}
.cta-band .container{position:relative;padding:clamp(54px,6vw,90px) 0}
.cta-band h2{color:#fff;font-size:clamp(2rem,3.6vw,3rem);max-width:18ch;margin:0 auto}
.cta-band p{margin:14px auto 0;max-width:52ch;color:rgba(255,255,255,.85)}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:26px}
.cta-band .callnow{color:#fff;border-color:rgba(255,255,255,.4)}.cta-band .callnow:hover{border-color:#fff}

/* footer */
footer.site{background:#0b1620;color:#c4ccd4;padding:60px 0 28px}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.fgrid .about{display:block}
.flogo img{height:40px;margin-bottom:14px;filter:brightness(0) invert(1);opacity:.92}
footer.site p{font-size:.92rem;color:#929ca6;max-width:36ch}
footer.site .fcontact{margin-top:14px}
footer.site .fcontact div{color:#aab3bc}
footer.site h4{color:#fff;font-family:'Hanken Grotesk';font-weight:700;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
footer.site ul{list-style:none;display:grid;gap:9px}
footer.site ul a{color:#aab3bc;font-size:.95rem}footer.site ul a:hover{color:#fff}
.fbar{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;font-size:.84rem;color:#8b95a0}
.fbar a{color:#aab3bc}
.disc{font-size:.74rem;color:#6f7984;margin-top:16px;max-width:none;line-height:1.6}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.fgrid{grid-template-columns:1fr}}

/* grain + progress + reveal */
body::before{content:"";position:fixed;inset:0;z-index:1;pointer-events:none;opacity:.04;mix-blend-mode:multiply;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
header.site,main,footer.site,.topbar{position:relative;z-index:2}
#progress{position:fixed;top:0;left:0;height:3px;width:0;z-index:9999;background:linear-gradient(90deg,var(--red),var(--amber))}
.reveal{opacity:0;transition:opacity .8s ease}
.reveal.is-visible{opacity:1}
@media (prefers-reduced-motion:no-preference){
 .reveal{transform:translateY(40px);transition:opacity .85s cubic-bezier(.16,1,.3,1),transform .85s cubic-bezier(.16,1,.3,1)}
 .reveal.is-visible{transform:none}
 .reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}.reveal.d4{transition-delay:.32s}.reveal.d5{transition-delay:.4s}
 .hero-photo img{animation:zoomSettle 1.5s cubic-bezier(.16,1,.3,1) both}
 @keyframes zoomSettle{from{transform:scale(1.12)}to{transform:scale(1)}}
}
@media (prefers-reduced-motion:reduce){.navstatus .dot,.navstatus .dot::after{animation:none}}

/* floating mobile call button */
.call-fab{position:fixed;right:16px;bottom:18px;z-index:200;display:none;align-items:center;justify-content:center;width:60px;height:60px;border-radius:50%;background:#1F9D55;color:#fff;box-shadow:0 10px 26px rgba(31,157,85,.42),0 2px 6px rgba(0,0,0,.18);transition:transform .18s ease,box-shadow .18s ease}
.call-fab svg{width:27px;height:27px;stroke:#fff;fill:none;stroke-width:2.1}
.call-fab:active{transform:scale(.93)}
.call-fab::after{content:"";position:absolute;inset:-6px;border-radius:50%;border:2px solid rgba(31,157,85,.5);animation:fabPulse 2.2s ease-out infinite}
@keyframes fabPulse{0%{transform:scale(.92);opacity:.75}70%{transform:scale(1.25);opacity:0}100%{opacity:0}}
@media(prefers-reduced-motion:reduce){.call-fab::after{animation:none}}
@media(max-width:760px){.call-fab{display:flex}}
@media(max-width:760px){body:has(.mobile-bar) .call-fab{bottom:86px}}

/* ---- booking card (Calendly) ---- */
.book{background:var(--soft)}
.book .calcard{max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-lg);padding:26px 22px 16px}
.calcard h3{font-size:1.4rem;font-weight:700;color:var(--red);text-align:center;margin:0}
.calcard .qsub{color:var(--muted);font-size:.94rem;margin:4px 0 10px;text-align:center}
.calcard .calendly-inline-widget{border-radius:14px;overflow:hidden}
.calcard .qfine{margin-top:12px;font-size:.8rem;color:var(--muted);text-align:center}
.advisors{display:flex;flex-direction:column;align-items:center;gap:7px;margin:2px 0 12px}
.adv-faces{display:flex;justify-content:center}
.adv-faces img{width:52px;height:52px;border-radius:50%;border:3px solid #fff;box-shadow:0 3px 10px rgba(22,33,43,.16);object-fit:cover;margin-left:-12px;background:var(--soft)}
.adv-faces img:first-child{margin-left:0}
.advisors .who{font-size:.84rem;color:var(--muted);font-weight:600;text-align:center;line-height:1.35}
.advisors .who .nm{color:var(--red);font-weight:700}
.calcard .qtrust{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;margin:4px 0 16px;padding:0 2px}
.calcard .qtrust li{display:flex;align-items:flex-start;gap:8px;font-size:.83rem;font-weight:600;color:#33414e;font-style:italic}
.calcard .qtrust svg{width:15px;height:15px;flex:none;color:var(--green);margin-top:2px}
@media(max-width:760px){
  .book .calcard{padding:18px 14px 12px}
  .calcard h3{font-size:1.22rem}
  .calcard .qtrust{gap:8px 10px}
  .calcard .qtrust li{font-size:.78rem}
  .calcard .calendly-inline-widget{height:640px!important}
}
@media(max-width:420px){.calcard .calendly-inline-widget{height:620px!important}}
.bk-status{display:flex;align-items:center;justify-content:center;gap:7px;font-size:.78rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;margin-top:2px}
.bk-status .dot{width:9px;height:9px;border-radius:50%;position:relative;flex:none;animation:statusBlink 1.7s ease-in-out infinite}
.bk-status.live{color:#1c7a45}.bk-status.live .dot{background:var(--green);color:var(--green)}
.bk-status.live .dot::after{content:"";position:absolute;inset:-3px;border-radius:50%;border:2px solid var(--green);animation:ping 1.8s ease-out infinite}
.bk-status.ai{color:#2c5fb3}.bk-status.ai .dot{background:#3B82F6;color:#3B82F6}
@media(prefers-reduced-motion:reduce){.bk-status .dot,.bk-status .dot::after{animation:none}}

/* ===== motion v20261018b — GSAP-powered ===== */
.hw{display:inline-block;will-change:transform}
.page-hero .hero-photo{overflow:hidden}
.vsec .about > .ph{overflow:hidden}
@media (prefers-reduced-motion: no-preference){
  .carrier-row img{transition:transform .25s ease,box-shadow .25s ease}
  .carrier-row img:hover{transform:translateY(-4px) scale(1.06);box-shadow:0 10px 22px rgba(22,33,43,.14)}
  .chips a,.faq details,.calcard{transition:transform .25s ease,box-shadow .25s ease}
  .chips a:hover{transform:translateY(-4px) scale(1.03);box-shadow:0 10px 20px rgba(22,33,43,.12)}
  .btn{transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease}
  .btn:hover{transform:translateY(-3px)}
  .btn-primary:hover{box-shadow:0 12px 28px rgba(200,16,46,.35)}
}