:root {
  --navy:       #1d3d61;
  --navy-mid:   #244a72;
  --navy-light: #2e5d8f;
  --blue:       #1668c4;
  --blue-light: #4a8fd8;
  --blue-pale:  #dce9f5;
  --mint:       #8fd0f0;
  --mint-dark:  #1668c4;
  --mint-light: #e2f4fc;
  --grey-light: #f3f1ee;
  --grey-mid:   #e6e2dc;
  --white:      #faf9f7;
  --text-dark:  #1a2433;
  --text-mid:   #3d4654;
  --text-muted: #6b7280;
  --border:     rgba(40,40,45,0.1);
  --indigo:       #483874;
  --indigo-light: #EFEAF7;
  --cyan:       #17B6E9;
  --cyan-soft:  #8BDAF4;
  --teal-glow:  #54E3D2;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--white); color: var(--text-dark); line-height: 1.65; }

/* ── NAV ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  background: rgba(255,255,255,0.97); backdrop-filter: blur(14px);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 6%; height: 68px;
  border-bottom: 1px solid var(--grey-mid);
  box-shadow: 0 1px 16px rgba(15,44,84,0.06);
}
.nav-logo { font-family: 'Playfair Display', serif; font-size: 1.45rem; font-weight: 700; color: var(--navy); letter-spacing: -0.02em; text-decoration: none; display: inline-flex; align-items: center; gap: 0.5rem; }
.nav-logo-mark { height: 30px; width: auto; display: block; }
.nav-logo span { color: var(--blue); }
.nav-links { display: flex; gap: 1.8rem; align-items: center; }
.nav-links a { color: var(--text-mid); text-decoration: none; font-size: 0.875rem; font-weight: 400; transition: color 0.2s; }
.nav-links a:hover { color: var(--navy); }
.nav-drop { position: relative; }
.nav-drop > a { display: inline-flex; align-items: center; gap: 0.3rem; cursor: pointer; }
.nav-drop > a::after { content: ''; width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg); margin-top: -3px; opacity: 0.6; }
.nav-drop-menu { position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(6px); background: var(--white); border: 1px solid var(--border); border-radius: 12px; box-shadow: 0 12px 32px rgba(15,44,84,0.12); padding: 0.5rem; min-width: 220px; opacity: 0; pointer-events: none; transition: opacity 0.15s ease, transform 0.15s ease; z-index: 60; }
.nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu { opacity: 1; pointer-events: auto; transform: translateX(-50%) translateY(2px); }
.nav-drop-menu a { display: block; padding: 0.55rem 0.7rem; border-radius: 8px; font-size: 0.85rem; color: var(--navy); }
.nav-drop-menu a:hover { background: var(--grey-light); }

/* ── INTERIOR PAGE BANNER ── */
.page-banner { background: var(--navy); color: var(--white); padding: 76px 6% 64px; text-align: center; position: relative; overflow: hidden; }
.page-banner .blob { opacity: 0.08; }
.page-banner .section-tag { color: var(--mint); text-align: center; }
.page-banner h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.9rem, 3.6vw, 2.8rem); font-weight: 700; color: var(--white); max-width: 720px; margin: 0.5rem auto 1rem; line-height: 1.22; }
.page-banner h1 em { color: var(--mint); font-style: normal; font-weight: 700; }
.page-banner p { font-size: 1.02rem; color: rgba(255,255,255,0.78); max-width: 600px; margin: 0 auto 1.6rem; line-height: 1.7; }
.page-banner .hero-actions { justify-content: center; }
.breadcrumb { font-size: 0.8rem; color: rgba(255,255,255,0.55); margin-bottom: 1rem; }
.breadcrumb a { color: rgba(255,255,255,0.75); text-decoration: none; }
.breadcrumb a:hover { color: var(--white); }

/* ── SERVICE PAGE ── */
.svc-body { max-width: 760px; margin: 0 auto; }
.svc-section { padding: 4rem 0; border-bottom: 1px solid var(--border); }
.svc-section:last-child { border-bottom: none; }
.svc-section h2 { font-family: 'Playfair Display', serif; font-size: 1.6rem; color: var(--navy); font-weight: 700; margin-bottom: 1rem; }
.svc-section p { font-size: 0.97rem; color: var(--text-muted); line-height: 1.8; margin-bottom: 1rem; }
.svc-list { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem 1.6rem; margin-top: 1rem; }
.svc-list li { list-style: none; padding-left: 1.5rem; position: relative; font-size: 0.9rem; color: var(--text-mid); line-height: 1.6; }
.svc-list li::before { content: ''; position: absolute; left: 0; top: 0.45rem; width: 8px; height: 8px; border-radius: 50%; background: var(--blue); }

/* ── STATE DIRECTORY / STATE PAGE ── */
.state-link-pill { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 0.65rem 1rem; font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); font-size: 0.92rem; box-shadow: 0 2px 8px rgba(15,44,84,0.04); min-width: 56px; text-align: center; text-decoration: none; display: inline-block; transition: all 0.2s; }
.state-link-pill:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }
.state-page-body { max-width: 700px; margin: 0 auto; padding: 4rem 6%; }
.state-page-body h2 { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--navy); font-weight: 700; margin-bottom: 0.9rem; }
.state-page-body p { font-size: 0.97rem; color: var(--text-muted); line-height: 1.8; margin-bottom: 1.2rem; }

/* ── STICKY MOBILE CTA BAR ── */
.sticky-cta { display: none; }
@media (max-width: 860px) {
  .sticky-cta {
    display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
    box-shadow: 0 -4px 20px rgba(15,44,84,0.14);
  }
  .sticky-cta a {
    flex: 1; text-align: center; padding: 0.95rem 0.5rem; font-size: 0.88rem; font-weight: 700;
    text-decoration: none; font-family: 'DM Sans', sans-serif;
  }
  .sticky-cta-call { background: var(--navy); color: var(--white); }
  .sticky-cta-quote { background: var(--mint); color: var(--navy); }
  body { padding-bottom: 56px; }
}

/* ── NEW HERO LAYOUT (dark) ── */
.hero2 { padding: 88px 6% 28px; position: relative; overflow: clip; background: var(--navy); }
.hero2::before {
  content: ''; position: absolute; top: -140px; right: -120px; width: 480px; height: 480px;
  border-radius: 50%; background: radial-gradient(circle, rgba(23,182,233,0.16) 0%, transparent 68%);
  pointer-events: none; z-index: 0;
}
.hero2::after {
  content: ''; position: absolute; bottom: -100px; left: -80px; width: 320px; height: 320px;
  border-radius: 50%; background: radial-gradient(circle, rgba(84,227,210,0.12) 0%, transparent 70%);
  pointer-events: none; z-index: 0;
}
.hero2-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 3.5rem; align-items: stretch; max-width: 1180px; margin: 0 auto; position: relative; z-index: 1; }
@media (max-width: 900px) { .hero2-grid { grid-template-columns: 1fr; } }
.hero2-left { display: flex; flex-direction: column; justify-content: center; }
.hero2-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(255,255,255,0.06); color: rgba(255,255,255,0.85); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.5rem 1rem; border-radius: 50px; border: 1px solid rgba(255,255,255,0.14); margin-bottom: 1.6rem; }
.hero2-badge::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--teal-glow); flex-shrink: 0; box-shadow: 0 0 6px 1px rgba(84,227,210,0.7); }
.hero2-left h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.5rem, 4.1vw, 3.5rem); font-weight: 700; color: var(--white); line-height: 1.16; margin-bottom: 1.3rem; }
.hero2-left h1 em { color: var(--cyan-soft); font-style: normal; font-weight: 700; }
.hero2-left p.hero2-sub { font-size: 1.1rem; color: rgba(255,255,255,0.7); line-height: 1.75; margin-bottom: 1.9rem; max-width: 48ch; }
.hero2-cta-row { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-bottom: 2.3rem; }
.hero2-btn-primary { background: var(--cyan-soft); color: var(--navy); font-weight: 700; font-size: 0.97rem; padding: 0.85rem 1.7rem; border-radius: 50px; text-decoration: none; transition: all 0.2s; }
.hero2-btn-primary:hover { background: var(--white); transform: translateY(-2px); box-shadow: 0 0 24px rgba(84,227,210,0.35); }
.hero2-btn-secondary { background: transparent; color: var(--white); font-weight: 700; font-size: 0.97rem; padding: 0.85rem 1.7rem; border-radius: 50px; text-decoration: none; border: 1.5px solid rgba(255,255,255,0.28); transition: all 0.2s; }
.hero2-btn-secondary:hover { border-color: rgba(255,255,255,0.6); }
.hero2-divider { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.8rem; }
.trust-row-mini { display: flex; flex-wrap: wrap; gap: 1.4rem 1.7rem; }
.trust-row-mini-item { display: flex; flex-direction: column; gap: 0.15rem; }
.trust-row-mini-num { font-family: 'Playfair Display', serif; font-size: 1.65rem; font-weight: 700; color: var(--cyan-soft); }
.trust-row-mini-label { font-size: 0.76rem; letter-spacing: 0.04em; text-transform: uppercase; color: rgba(255,255,255,0.55); font-weight: 600; }
.hero2-photo { border-radius: 18px; overflow: hidden; box-shadow: 0 20px 50px rgba(0,0,0,0.35); margin-bottom: 0.8rem; border: 1px solid rgba(255,255,255,0.08); }
.hero2-photo img { width: 100%; height: auto; display: block; }
.qq-card { background: var(--white); border-radius: 18px; border: 1px solid var(--border); box-shadow: 0 24px 60px rgba(0,0,0,0.35); padding: 1.2rem 1.3rem 1.1rem; height: 395px; display: flex; flex-direction: column; overflow: hidden; }
.qq-panel { display: flex; flex-direction: column; flex: 1; min-height: 0; opacity: 1; transition: opacity 0.22s ease; }
.qq-panel-body { flex: 1; overflow-y: auto; }
.qq-panel-body-schedule { display: flex; flex-direction: column; }
.qq-panel-body-schedule .calendly-inline-widget { flex: 1; min-height: 0; }
.qq-panel.qq-fading { opacity: 0; }
.qq-schedule-note { font-size: 0.86rem; color: var(--text-muted); margin-bottom: 0.9rem; }
.quiz-eyebrow { font-size: 0.74rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--blue); margin-bottom: 0.5rem; }
.quiz-result-body { font-size: 0.92rem; color: var(--text-muted); line-height: 1.65; margin-top: 0.4rem; }
.qq-steps { display: flex; align-items: center; margin-bottom: 0.8rem; }
.qq-step-wrap { display: flex; flex-direction: column; align-items: center; gap: 0.4rem; }
.qq-step-dot { width: 26px; height: 26px; border-radius: 50%; background: var(--grey-mid); color: var(--text-muted); font-size: 0.78rem; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.qq-step-wrap.active .qq-step-dot { background: var(--mint-dark); color: var(--white); box-shadow: 0 0 0 4px rgba(84,227,210,0.18); }
.qq-step-label { font-size: 0.72rem; color: var(--text-muted); font-weight: 600; }
.qq-step-wrap.active .qq-step-label { color: var(--mint-dark); }
.qq-step-line { flex: 1; height: 2px; background: var(--border); margin: 0 0.5rem 1.1rem; }
.qq-card h3 { font-family: 'Playfair Display', serif; font-size: 1.04rem; color: var(--navy); font-weight: 700; margin-bottom: 0.55rem; }
.qq-options { display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem; margin-bottom: 1.3rem; }
.qq-option { display: flex; align-items: center; gap: 0.6rem; border: 1.5px solid var(--border); border-radius: 10px; padding: 0.75rem 0.8rem; cursor: pointer; font-size: 0.85rem; font-weight: 600; color: var(--text-mid); transition: all 0.15s; background: none; text-align: left; font-family: 'DM Sans', sans-serif; }
.qq-option:hover { border-color: var(--blue-light); }
.qq-option.selected { border-color: var(--mint-dark); background: var(--mint-light); color: var(--navy); }
.qq-option-dot { width: 16px; height: 16px; border-radius: 50%; border: 1.5px solid var(--border); flex-shrink: 0; position: relative; }
.qq-option.selected .qq-option-dot { border-color: var(--mint-dark); }
.qq-option.selected .qq-option-dot::after { content: ''; position: absolute; inset: 3px; border-radius: 50%; background: var(--mint-dark); }
.qq-continue { width: 100%; background: var(--navy); color: var(--white); font-weight: 700; font-size: 0.92rem; padding: 0.78rem; border: none; border-radius: 50px; cursor: pointer; font-family: 'DM Sans', sans-serif; transition: background 0.2s; margin-top: 0.7rem; }
.qq-continue:hover { background: var(--blue); }
.qq-error { font-size: 0.78rem; color: #b3261e; margin-top: 0.6rem; text-align: center; display: none; }
.qq-step-wrap.done .qq-step-dot { background: var(--mint); color: var(--white); }
.qq-back { display: inline-block; font-size: 0.78rem; color: var(--text-muted); text-decoration: none; margin-bottom: 0.4rem; font-weight: 600; }
.qq-back:hover { color: var(--navy); }
.qq-review { border: 1px solid var(--border); border-radius: 10px; padding: 0.9rem 1.1rem; margin-bottom: 1.2rem; }
.qq-review-row { display: flex; justify-content: space-between; gap: 1rem; padding: 0.45rem 0; font-size: 0.86rem; border-bottom: 1px solid var(--border); }
.qq-review-row:last-child { border-bottom: none; }
.qq-review-row span { color: var(--text-muted); }
.qq-review-row strong { color: var(--navy); text-align: right; }
.nav-phone { font-size: 0.875rem; color: var(--text-mid); font-weight: 500; text-decoration: none; }
.nav-phone:hover { color: var(--navy); }
.nav-cta { background: var(--navy); color: var(--white); font-weight: 600; font-size: 0.85rem; padding: 0.52rem 1.3rem; border-radius: 50px; text-decoration: none; transition: all 0.2s; }
.nav-cta:hover { background: var(--mint-dark); color: var(--navy); }

/* ── HERO ── */
.hero {
  min-height: 100vh;
  background: linear-gradient(160deg, #14304f 0%, #1d3d61 55%, #27486e 100%);
  display: grid; grid-template-columns: 1fr 1fr; align-items: center;
  gap: 4rem; padding: 120px 6% 80px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 80% 20%, rgba(184,230,247,0.07) 0%, transparent 50%),
    radial-gradient(ellipse at 10% 80%, rgba(74,130,192,0.09) 0%, transparent 50%);
  pointer-events: none;
}
.hero-ring-1 {
  position: absolute; width: 650px; height: 650px; border-radius: 50%;
  border: 1px solid rgba(184,230,247,0.08);
  top: -200px; right: -150px; pointer-events: none;
}
.hero-ring-2 {
  position: absolute; width: 420px; height: 420px; border-radius: 50%;
  border: 1px solid rgba(74,130,192,0.1);
  bottom: -160px; left: -120px; pointer-events: none;
}
.hero-blob {
  position: absolute; bottom: -80px; right: 38%; width: 280px; opacity: 0.04; pointer-events: none;
}
.hero-left { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(184,230,247,0.12); border: 1px solid rgba(184,230,247,0.28);
  color: var(--mint); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.1em;
  padding: 0.38rem 1rem; border-radius: 50px; margin-bottom: 1.8rem;
  text-transform: uppercase;
}
.hero-eyebrow::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--mint); flex-shrink: 0; }
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 4vw, 3.8rem);
  font-weight: 700; color: var(--white);
  line-height: 1.16; letter-spacing: -0.025em;
  margin-bottom: 1.3rem;
}
.hero h1 em { color: var(--mint); font-style: normal; font-weight: 700; }
.hero-sub {
  font-size: 1.05rem; color: rgba(255,255,255,0.58); max-width: 460px;
  margin-bottom: 2.2rem; font-weight: 300; line-height: 1.8;
}
.hero-actions { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-bottom: 3rem; }
.btn-primary { background: var(--mint); color: var(--navy); font-weight: 700; font-size: 0.9rem; padding: 0.82rem 1.8rem; border-radius: 50px; text-decoration: none; transition: all 0.2s; }
.btn-primary:hover { background: var(--mint-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(184,230,247,0.25); }
.btn-ghost { background: transparent; color: rgba(255,255,255,0.8); font-size: 0.9rem; padding: 0.82rem 1.8rem; border-radius: 50px; text-decoration: none; border: 1px solid rgba(255,255,255,0.2); transition: all 0.2s; }
.btn-ghost:hover { border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.07); }
.btn-outline-navy { background: transparent; color: var(--navy); font-weight: 700; font-size: 0.9rem; padding: 0.82rem 1.8rem; border-radius: 50px; text-decoration: none; border: 1.5px solid var(--navy); transition: all 0.2s; }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.hero-stats { display: flex; gap: 2.5rem; flex-wrap: wrap; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 2rem; }
.hero-stat-num { font-family: 'Playfair Display', serif; font-size: 1.9rem; font-weight: 700; color: var(--mint); display: block; line-height: 1; }
.hero-stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.42); text-transform: uppercase; letter-spacing: 0.1em; margin-top: 4px; display: block; }

/* HERO FORM CARD */
.hero-form-card {
  background: var(--white); border-radius: 20px;
  padding: 2.2rem; position: relative; z-index: 1;
  box-shadow: 0 24px 64px rgba(8,28,56,0.35);
}
.hero-form-card h3 { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 0.3rem; }
.hero-form-card p { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 1.5rem; }
.hf-field { display: flex; flex-direction: column; gap: 0.35rem; margin-bottom: 1rem; }
.hf-label { font-size: 0.78rem; font-weight: 600; color: var(--text-mid); text-transform: uppercase; letter-spacing: 0.06em; }
.hf-input {
  background: var(--grey-light); border: 1px solid var(--grey-mid);
  border-radius: 10px; padding: 0.7rem 1rem;
  color: var(--text-dark); font-family: 'DM Sans', sans-serif; font-size: 0.9rem; outline: none;
  transition: border-color 0.2s;
}
.hf-input:focus { border-color: var(--blue); background: var(--white); }
.hf-select { background: var(--grey-light); border: 1px solid var(--grey-mid); border-radius: 10px; padding: 0.7rem 1rem; color: var(--text-dark); font-family: 'DM Sans', sans-serif; font-size: 0.9rem; outline: none; width: 100%; }
.hf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
.hf-submit { width: 100%; background: var(--navy); color: var(--white); font-weight: 700; font-size: 0.95rem; padding: 0.9rem; border-radius: 50px; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; transition: all 0.2s; margin-top: 0.5rem; }
.hf-submit:hover { background: var(--mint); color: var(--navy); }
.hf-note { font-size: 0.75rem; color: var(--text-muted); text-align: center; margin-top: 0.8rem; }

/* ── SHARED SECTION ── */
section { padding: 96px 6%; position: relative; overflow: hidden; }
.section-tag { font-size: 0.72rem; font-weight: 700; color: var(--mint-dark); text-transform: uppercase; letter-spacing: 0.16em; margin-bottom: 0.65rem; }
.section-title { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 2.8vw, 2.6rem); font-weight: 700; color: var(--navy); line-height: 1.22; letter-spacing: -0.02em; margin-bottom: 1rem; }
.section-title em { color: var(--mint-dark); font-style: normal; font-weight: 700; }
.section-sub { font-size: 1rem; color: var(--text-muted); max-width: 520px; line-height: 1.78; }
.section-content { position: relative; z-index: 1; }

/* ── BLOB ACCENTS ── */
.blob { position: absolute; pointer-events: none; z-index: 0; }
.blob svg { display: block; }

/* ── WHO WE HELP ── */
.who-bg { background: var(--grey-light); }
.who-header { text-align: center; margin-bottom: 3.5rem; }
.who-header .section-sub { margin: 0 auto; }
.who-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.3rem; max-width: 1100px; margin: 0 auto; }
.who-card {
  background: var(--white); border: 1px solid var(--border); border-radius: 18px;
  padding: 0; transition: all 0.28s; overflow: hidden;
  box-shadow: 0 2px 12px rgba(15,44,84,0.04);
}
.who-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(15,44,84,0.1); border-color: var(--mint-dark); }
.who-illus { width: 100%; height: 140px; display: block; }
.who-body { padding: 1.6rem; }
.who-card-icon { width: 42px; height: 42px; border-radius: 12px; background: var(--blue-pale); margin-bottom: 1.1rem; display: none; align-items: center; justify-content: center; }
.who-card-icon svg { width: 20px; height: 20px; stroke: var(--navy); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.who-card h3 { font-family: 'Playfair Display', serif; font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.who-card p { font-size: 0.87rem; color: var(--text-muted); line-height: 1.65; }
.who-card-link { display: inline-block; margin-top: 1.1rem; font-size: 0.82rem; font-weight: 600; color: var(--navy); text-decoration: none; border-bottom: 1.5px solid var(--mint-dark); padding-bottom: 1px; transition: color 0.2s; }
.who-card-link:hover { color: var(--mint-dark); }

/* ── HOW WE WORK ── */
.how-bg { background: var(--white); }
.how-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; max-width: 1100px; margin: 0 auto; }
.how-text .section-sub { margin-bottom: 2rem; }
.how-features { display: flex; flex-direction: column; gap: 0; }
.how-feature { display: flex; gap: 1rem; padding: 1.2rem 0; border-bottom: 1px solid var(--border); }
.how-feature:last-child { border-bottom: none; }
.how-check { width: 22px; height: 22px; border-radius: 50%; background: rgba(184,230,247,0.2); border: 1.5px solid var(--mint-dark); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; }
.how-check::after { content: '✓'; font-size: 0.7rem; font-weight: 800; color: var(--mint-dark); }
.how-feature p { font-size: 0.9rem; color: var(--text-mid); line-height: 1.65; }
.how-feature strong { color: var(--navy); font-weight: 600; }
.how-visual-card {
  background: var(--blue-pale);
  border: 1px solid rgba(22,104,196,0.18);
  border-radius: 22px; padding: 2.4rem; color: var(--text-dark); position: relative; overflow: hidden;
}
.how-visual-card::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at top right, rgba(22,104,196,0.08), transparent 60%);
}
.how-vc-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue); margin-bottom: 1.4rem; position: relative; z-index: 1; }
.how-vc-title { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; margin-bottom: 0.5rem; line-height: 1.3; position: relative; z-index: 1; color: var(--navy); }
.how-vc-sub { font-size: 0.875rem; color: var(--text-muted); margin-bottom: 1.8rem; position: relative; z-index: 1; }
.carrier-pills { display: flex; flex-wrap: wrap; gap: 8px; position: relative; z-index: 1; }
.carrier-pill { background: var(--white); border: 1px solid var(--grey-mid); color: var(--text-mid); font-size: 0.76rem; padding: 0.35rem 0.85rem; border-radius: 50px; }
.carrier-note { font-size: 0.75rem; color: var(--text-muted); margin-top: 1.1rem; font-style: italic; position: relative; z-index: 1; }
.how-disclaimer { margin-top: 2rem; padding: 1.2rem 1.4rem; background: var(--grey-light); border-left: 3px solid var(--blue); border-radius: 8px; font-size: 0.78rem; color: var(--text-muted); line-height: 1.7; }

/* ── PLANS SECTION ── */
.plans-bg { background: var(--grey-light); }
.plans-header { text-align: center; margin-bottom: 3.5rem; }
.plans-header .section-sub { margin: 0 auto; }
.plans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.4rem; max-width: 1100px; margin: 0 auto; }
.plan-card {
  background: var(--white); border: 1px solid var(--border); border-radius: 20px;
  padding: 2.2rem; position: relative; transition: all 0.28s;
  box-shadow: 0 2px 12px rgba(15,44,84,0.04);
}
.plan-card:hover { transform: translateY(-5px); box-shadow: 0 20px 48px rgba(15,44,84,0.1); border-color: var(--blue-light); }
.plan-card.featured { background: var(--white); border: 2px solid var(--blue); box-shadow: 0 12px 36px rgba(22,104,196,0.12); }
.plan-card.featured .plan-title, .plan-card.featured .plan-desc { color: var(--text-dark); }
.plan-card.featured .plan-title { color: var(--navy); }
.plan-card.featured .plan-feature { color: var(--text-mid); border-bottom-color: var(--border); }
.plan-card.featured .plan-cta { background: var(--blue); color: var(--white); border-color: var(--blue); }
.plan-card.featured .plan-cta:hover { background: var(--navy); }
.plan-badge { position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--mint); color: var(--navy); font-size: 0.7rem; font-weight: 800; padding: 0.28rem 1rem; border-radius: 50px; letter-spacing: 0.08em; text-transform: uppercase; white-space: nowrap; }
.plan-chip { width: 42px; height: 42px; border-radius: 10px; background: var(--blue-pale); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 0.75rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; letter-spacing: -0.02em; }
.plan-title { font-family: 'Playfair Display', serif; font-size: 1.45rem; font-weight: 700; margin-bottom: 0.55rem; color: var(--navy); }
.plan-desc { font-size: 0.875rem; color: var(--text-muted); margin-bottom: 1.4rem; line-height: 1.65; }
.plan-features { list-style: none; margin-bottom: 1.8rem; }
.plan-feature { font-size: 0.85rem; color: var(--text-mid); padding: 0.42rem 0; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 9px; }
.plan-feature::before { content: '✓'; color: var(--mint-dark); font-weight: 800; font-size: 0.82rem; flex-shrink: 0; }
.plan-cta { display: block; text-align: center; background: transparent; border: 1.5px solid var(--navy); color: var(--navy); font-weight: 600; font-size: 0.88rem; padding: 0.72rem; border-radius: 50px; text-decoration: none; transition: all 0.2s; }
.plan-cta:hover { background: var(--navy); color: white; }

/* ── STEPS ── */
.steps-bg { background: var(--white); }
.steps-inner { max-width: 800px; margin: 0 auto; }
.steps-header { text-align: center; margin-bottom: 3.5rem; }
.steps-header .section-sub { margin: 0 auto; }
.step-list { display: flex; flex-direction: column; gap: 0; }
.step-item { display: grid; grid-template-columns: 56px 1fr; gap: 1.4rem; padding: 2rem 0; border-bottom: 1px solid var(--border); }
.step-item:last-child { border-bottom: none; }
.step-num-wrap { display: flex; flex-direction: column; align-items: center; gap: 0; }
.step-num { width: 48px; height: 48px; border-radius: 50%; background: rgba(184,230,247,0.15); border: 1.5px solid var(--mint-dark); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700; color: var(--mint-dark); flex-shrink: 0; }
.step-body h4 { font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.step-body p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; }

/* ── ABOUT ── */
.about-bg { background: var(--grey-light); }
.about-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; max-width: 1100px; margin: 0 auto; }
.about-photo {
  border-radius: 22px; min-height: 420px;
  position: relative; overflow: hidden;
  box-shadow: 0 12px 40px rgba(40,40,45,0.12);
  border: 1px solid var(--border);
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 28%; display: block; position: absolute; inset: 0; }
.about-caption {
  position: absolute; left: 0; right: 0; bottom: 0; z-index: 2;
  padding: 2.4rem 1.6rem 1.4rem;
  background: linear-gradient(to top, rgba(15,25,45,0.92) 0%, rgba(15,25,45,0.6) 55%, transparent 100%);
}
.about-name { font-family: 'Playfair Display', serif; font-size: 1.35rem; font-weight: 700; color: white; }
.about-role { font-size: 0.82rem; color: rgba(255,255,255,0.75); margin-top: 0.3rem; }
.about-npn { font-size: 0.75rem; color: rgba(255,255,255,0.55); margin-top: 0.2rem; font-style: italic; }
.about-text .section-sub { margin-bottom: 1.4rem; }
.trust-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 1.8rem; }
.trust-pill { display: flex; align-items: center; gap: 6px; background: rgba(184,230,247,0.1); border: 1px solid rgba(74,130,192,0.3); border-radius: 50px; padding: 0.4rem 0.9rem; font-size: 0.8rem; font-weight: 500; color: var(--navy); }
.trust-pill::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--mint-dark); flex-shrink: 0; }

/* ── SCHEDULE ── */
.sched-bg { background: var(--grey-light); }
.sched-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; max-width: 1100px; margin: 0 auto; }
.sched-left .section-tag { color: var(--blue); }
.sched-left .section-title { color: var(--text-dark); }
.sched-left .section-sub { color: var(--text-muted); margin-bottom: 2rem; }
.sched-hours { margin-bottom: 2rem; }
.sched-hours h4 { font-size: 0.75rem; font-weight: 700; color: var(--blue); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 1rem; }
.sched-row { display: flex; justify-content: space-between; padding: 0.55rem 0; border-bottom: 1px solid var(--border); font-size: 0.87rem; }
.sched-tznote { font-size: 0.8rem; color: var(--text-muted); margin-top: 0.9rem; line-height: 1.6; }
.sched-day { color: var(--text-muted); }
.sched-time { color: var(--text-dark); font-weight: 500; }
.sched-contact { margin-top: 1.8rem; display: flex; flex-direction: column; gap: 0.6rem; }
.sched-contact a { color: var(--text-mid); font-size: 0.9rem; text-decoration: none; transition: color 0.2s; }
.sched-contact a:hover { color: var(--blue); }
.sched-form-card { background: var(--white); border-radius: 20px; padding: 2.2rem; box-shadow: 0 4px 24px rgba(40,40,45,0.07); border: 1px solid var(--border); }
.sched-form-card h3 { font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 0.3rem; }
.sched-form-card p { font-size: 0.84rem; color: var(--text-muted); margin-bottom: 1.5rem; }
.sf-field { margin-bottom: 0.5rem; }
.sf-label { font-size: 0.72rem; font-weight: 600; color: var(--text-mid); text-transform: uppercase; letter-spacing: 0.06em; display: block; margin-bottom: 0.22rem; }
.sf-input { width: 100%; background: var(--grey-light); border: 1px solid var(--grey-mid); border-radius: 10px; padding: 0.55rem 0.85rem; color: var(--text-dark); font-family: 'DM Sans', sans-serif; font-size: 0.88rem; outline: none; transition: border-color 0.2s; }
.sf-textarea { min-height: 92px; resize: vertical; line-height: 1.5; }
.sf-input:focus { border-color: var(--blue); background: white; }
.sf-select { width: 100%; background: var(--grey-light); border: 1px solid var(--grey-mid); border-radius: 10px; padding: 0.7rem 1rem; color: var(--text-dark); font-family: 'DM Sans', sans-serif; font-size: 0.9rem; outline: none; }
.sf-submit { width: 100%; background: var(--blue); color: white; font-weight: 700; font-size: 0.95rem; padding: 0.9rem; border-radius: 50px; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; transition: all 0.2s; margin-top: 0.4rem; }
.sf-submit:hover { background: var(--navy); color: white; }
.sf-note { font-size: 0.74rem; color: var(--text-muted); text-align: center; margin-top: 0.7rem; }

/* ── CARRIER STRIP ── */
.carriers-bg { background: var(--white); padding: 56px 6%; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.carriers-inner { max-width: 1100px; margin: 0 auto; text-align: center; }
.carriers-label { font-size: 0.74rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.14em; margin-bottom: 2rem; }
.carriers-logos { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 2.4rem; }
.carrier-logo { font-family: 'Playfair Display', serif; font-weight: 700; font-size: 1.15rem; color: var(--text-mid); opacity: 0.55; transition: opacity 0.2s, color 0.2s; letter-spacing: -0.01em; white-space: nowrap; }
.carrier-logo:hover { opacity: 1; color: var(--blue); }

/* ── REVOLVING CARRIER MARQUEE ── */
.carriers-bg2 { background: #EAF5F1; padding: 52px 0 58px; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); overflow: hidden; }
.carriers-label2 { text-align: center; font-size: 0.82rem; font-weight: 600; color: var(--text-muted); letter-spacing: 0.03em; margin-bottom: 1.8rem; padding: 0 6%; }
.marquee-wrap { width: 100%; overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; gap: 0.9rem; width: max-content; animation: marquee-scroll 34s linear infinite; }
.marquee-wrap:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.carrier-pill2 { display: inline-flex; align-items: center; gap: 0.55rem; background: var(--white); border: 1px solid var(--border); border-radius: 50px; padding: 0.7rem 1.3rem; font-family: 'Playfair Display', serif; font-weight: 700; font-size: 0.92rem; white-space: nowrap; box-shadow: 0 2px 8px rgba(15,44,84,0.04); flex-shrink: 0; }
.cp-icon { display: none; }
.cp-aetna { color: #7D3F98; }
.cp-kaiser { color: #0057B8; }
.cp-oscar { color: #F1592A; }
.cp-ambetter { color: #7A2E8C; }
.cp-anthem { color: #00629B; }
.cp-bcbs { color: #0072CE; }
.cp-uhc { color: #002677; }
.cp-cigna { color: #E4572E; }
.cp-humana { color: #4EA72E; }
.cp-floridablue { color: #0072CE; }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }

/* ── FLOATING CHAT WIDGET ── */
.chat-widget { position: fixed; right: 22px; bottom: 22px; z-index: 90; display: flex; flex-direction: column; align-items: flex-end; gap: 0.8rem; pointer-events: none; }
.chat-bubble { pointer-events: auto; }
.chat-bubble { width: 58px; height: 58px; border-radius: 50%; background: var(--navy); color: var(--white); border: none; cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 8px 24px rgba(15,44,84,0.3); transition: transform 0.2s, background 0.2s; flex-shrink: 0; }
.chat-bubble:hover { background: var(--blue); transform: scale(1.06); }
.chat-bubble svg { width: 25px; height: 25px; }
.chat-icon-close { display: none; }
.chat-widget.open .chat-icon-open { display: none; }
.chat-widget.open .chat-icon-close { display: block; }
.chat-panel { width: 270px; background: var(--white); border-radius: 16px; border: 1px solid var(--border); box-shadow: 0 20px 50px rgba(15,44,84,0.22); padding: 1rem; opacity: 0; transform: translateY(12px) scale(0.97); pointer-events: none; transition: opacity 0.18s ease, transform 0.18s ease; }
.chat-widget.open .chat-panel { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.chat-panel-header { display: flex; flex-direction: column; gap: 0.15rem; padding: 0.2rem 0.3rem 0.8rem; border-bottom: 1px solid var(--border); margin-bottom: 0.6rem; }
.chat-panel-header strong { font-size: 0.9rem; color: var(--navy); }
.chat-panel-header span { font-size: 0.76rem; color: var(--text-muted); }
.chat-panel-item { display: flex; align-items: center; gap: 0.6rem; padding: 0.65rem 0.5rem; border-radius: 10px; text-decoration: none; font-size: 0.86rem; font-weight: 600; color: var(--text-mid); transition: background 0.15s; }
.chat-panel-item:hover { background: var(--grey-light); }
.chat-panel-icon { font-size: 1rem; width: 20px; text-align: center; flex-shrink: 0; }
.chat-panel-item-primary { background: var(--mint); color: var(--navy); justify-content: center; margin-top: 0.3rem; }
.chat-panel-item-primary:hover { background: var(--mint-dark); color: var(--white); }
@media (max-width: 860px) { .chat-widget { bottom: 78px; right: 16px; } }

/* ── STAT POP-IN ── */
.stat-pop { opacity: 0; transform: translateY(10px) scale(0.94); animation: stat-pop-in 0.5s cubic-bezier(0.16,1,0.3,1) forwards; animation-delay: 0.5s; }
.stat-pop.d1 { animation-delay: 0.62s; }
.stat-pop.d2 { animation-delay: 0.74s; }
.stat-pop.d3 { animation-delay: 0.86s; }
@keyframes stat-pop-in { to { opacity: 1; transform: translateY(0) scale(1); } }
@media (prefers-reduced-motion: reduce) { .stat-pop { animation: none; opacity: 1; transform: none; } }

/* ── TESTIMONIALS ── */
.test-bg { background: var(--grey-light); }
.test-header { text-align: center; margin-bottom: 3.5rem; }
.test-header .section-sub { margin: 0 auto; }
.test-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 1.4rem; max-width: 1100px; margin: 0 auto; }
.test-card { background: var(--white); border: 1px solid var(--border); border-radius: 18px; padding: 2rem; position: relative; box-shadow: 0 2px 12px rgba(40,40,45,0.04); }
.test-stars { display: flex; gap: 3px; margin-bottom: 1.1rem; }
.test-star { width: 16px; height: 16px; fill: #f5b820; }
.test-quote { font-size: 0.94rem; color: var(--text-mid); line-height: 1.72; margin-bottom: 1.5rem; }
.test-author { display: flex; align-items: center; gap: 0.8rem; }
.test-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--blue-pale); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-weight: 700; font-size: 1rem; color: var(--blue); flex-shrink: 0; }
.test-name { font-weight: 600; font-size: 0.88rem; color: var(--navy); }
.test-meta { font-size: 0.78rem; color: var(--text-muted); }
.test-placeholder-note { text-align: center; max-width: 640px; margin: 2.5rem auto 0; font-size: 0.8rem; color: var(--text-muted); font-style: italic; background: var(--blue-pale); border: 1px dashed var(--blue-light); border-radius: 10px; padding: 0.9rem 1.2rem; }

/* ── FAQ ── */
.faq-bg { background: var(--white); }
.faq-header { text-align: center; margin-bottom: 3.5rem; }
.faq-header .section-sub { margin: 0 auto; }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; max-width: 1000px; margin: 0 auto; }
.faq-item { background: var(--grey-light); border-radius: 14px; padding: 1.6rem; border: 1px solid var(--border); }
.faq-q { font-weight: 600; font-size: 0.92rem; color: var(--navy); margin-bottom: 0.6rem; line-height: 1.45; }
.faq-a { font-size: 0.85rem; color: var(--text-muted); line-height: 1.72; }

/* ── FOOTER ── */
footer { background: #14304f; padding: 3rem 6% 2rem; }
.footer-top { display: grid; grid-template-columns: 1.3fr 0.8fr 0.9fr 1.1fr; gap: 2.5rem; margin-bottom: 2.5rem; padding-bottom: 2rem; border-bottom: 1px solid rgba(255,255,255,0.07); }
.footer-brand .footer-logo { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: white; margin-bottom: 0.75rem; display: flex; align-items: center; gap: 0.5rem; }
.footer-logo-mark { height: 26px; width: auto; display: block; }
.footer-brand .footer-logo span { color: var(--blue-light); }
.footer-brand p { font-size: 0.82rem; color: rgba(255,255,255,0.38); line-height: 1.72; max-width: 300px; }
.footer-col h5 { font-size: 0.72rem; font-weight: 700; color: var(--mint); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 1rem; }
.footer-col a { display: block; font-size: 0.83rem; color: rgba(255,255,255,0.4); text-decoration: none; margin-bottom: 0.5rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--mint-light); }
.footer-bottom { font-size: 0.74rem; color: rgba(255,255,255,0.22); line-height: 1.7; }

/* ── FADE SCROLL ── */
.fade-in { opacity: 0; transform: translateY(24px) scale(0.99); transition: opacity 0.7s cubic-bezier(0.16,1,0.3,1), transform 0.7s cubic-bezier(0.16,1,0.3,1); }
.fade-in.visible { opacity: 1; transform: translateY(0) scale(1); }
.fade-in.d1 { transition-delay: 0.1s; }
.fade-in.d2 { transition-delay: 0.2s; }
.fade-in.d3 { transition-delay: 0.3s; }
.fade-in.d4 { transition-delay: 0.4s; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; padding-top: 100px; }
  .hero-form-card { max-width: 540px; }
  .how-inner, .about-inner, .sched-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .faq-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-map { grid-column: span 2; }
  nav { padding: 0 4%; }
  .nav-links { display: none; }
  .hf-row { grid-template-columns: 1fr; }
}
/* ── SOUND FAMILIAR / PAIN POINTS ── */
.problem-bg { background: var(--white); }
.problem-header { text-align: center; margin-bottom: 3.2rem; max-width: 640px; margin-left: auto; margin-right: auto; }
.problem-header .section-sub { margin: 0 auto; }
.problem-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.3rem; max-width: 1100px; margin: 0 auto; }
.problem-card { background: var(--grey-light); border: 1px solid var(--border); border-radius: 16px; padding: 1.8rem 1.6rem; }
.problem-card .problem-num { font-family: 'Playfair Display', serif; font-size: 0.78rem; color: var(--blue); font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 0.6rem; }
.problem-card h3 { font-family: 'Playfair Display', serif; font-size: 1.08rem; color: var(--navy); font-weight: 700; margin-bottom: 0.55rem; }
.problem-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }

/* ── INSIGHT / WHAT MOST PEOPLE DON'T KNOW ── */
.insight-bg { background: var(--navy); color: var(--white); }
.insight-inner { max-width: 780px; margin: 0 auto; text-align: center; }
.insight-bg .section-tag { color: var(--mint); }
.insight-bg .section-title { color: var(--white); }
.insight-bg .section-title em { color: var(--mint); }
.insight-bg p.insight-body { font-size: 1.03rem; color: rgba(255,255,255,0.78); line-height: 1.8; max-width: 640px; margin: 0 auto 2rem; }

/* ── STATE DIRECTORY ── */
.states-bg { background: var(--grey-light); }
.states-header { text-align: center; margin-bottom: 2.8rem; max-width: 620px; margin-left: auto; margin-right: auto; }
.states-header .section-sub { margin: 0 auto; }
.state-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.7rem; max-width: 900px; margin: 0 auto 2rem; }
.state-pill { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 0.65rem 1rem; font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); font-size: 0.92rem; box-shadow: 0 2px 8px rgba(15,44,84,0.04); min-width: 56px; text-align: center; }
.states-note { text-align: center; font-size: 0.86rem; color: var(--text-muted); max-width: 480px; margin: 0 auto; }

/* ── PRIVACY & SECURITY ── */
.privacy-bg { background: var(--white); }
.privacy-header { text-align: center; margin-bottom: 3rem; max-width: 620px; margin-left: auto; margin-right: auto; }
.privacy-header .section-sub { margin: 0 auto; }
.privacy-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.3rem; max-width: 1000px; margin: 0 auto; }
.privacy-card { border: 1px solid var(--border); border-radius: 16px; padding: 1.7rem 1.5rem; background: var(--grey-light); }
.privacy-card h3 { font-family: 'Playfair Display', serif; font-size: 1.02rem; color: var(--navy); font-weight: 700; margin-bottom: 0.5rem; }
.privacy-card p { font-size: 0.86rem; color: var(--text-muted); line-height: 1.65; }

/* ── FAQ ACCORDION ── */
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 0.7rem; }
.faq-acc { border: 1px solid var(--border); border-radius: 14px; background: var(--white); overflow: hidden; }
.faq-acc summary { list-style: none; cursor: pointer; padding: 1.1rem 1.4rem; font-weight: 600; color: var(--navy); font-size: 0.95rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq-acc summary::-webkit-details-marker { display: none; }
.faq-acc summary::after { content: '+'; font-size: 1.3rem; color: var(--blue); font-weight: 400; flex-shrink: 0; transition: transform 0.2s; }
.faq-acc[open] summary::after { transform: rotate(45deg); }
.faq-acc .faq-a-body { padding: 0 1.4rem 1.2rem; font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; }