/* Brinder Gill – Punjab Insurance | site styles */
:root{
  --navy:#0B1F4D;--navy-2:#16357a;--navy-3:#081639;--ink:#0f172a;--muted:#5b6478;--line:#e4e8f0;
  --bg:#fff;--soft:#f5f7fb;--cream:#fff8e8;--gold:#F2A900;--gold-2:#ffcf4d;--saffron:#E8590C;--green:#1f9d55;
  --radius:18px;--shadow:0 10px 30px rgba(11,31,77,.10);--shadow-lg:0 24px 60px rgba(11,31,77,.18);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:inherit}
h1,h2,h3,h4{font-family:Fraunces,Georgia,serif;line-height:1.15;margin:0 0 .5em;color:var(--navy);font-weight:700}
h1{font-size:clamp(2.1rem,4.8vw,3.7rem)}h2{font-size:clamp(1.7rem,3.2vw,2.6rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{width:min(1220px,100% - 32px);margin-inline:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:999;background:#fff;padding:8px 14px;border-radius:8px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--saffron);margin-bottom:.8em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.85em 1.45em;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:.2s;font-family:inherit;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold-2);transform:translateY(-2px)}
.btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.btn-line{border-color:var(--navy);color:var(--navy);background:#fff}.btn-line:hover{background:var(--navy);color:#fff}
.btn-sm{padding:.6em 1.1em;font-size:.92rem}
.btn-block{width:100%}
section{padding:84px 0}
.sec-soft{background:var(--soft)}.sec-cream{background:var(--cream)}
.center{text-align:center}.lead{font-size:1.12rem;color:var(--muted);max-width:740px}
.center .lead{margin-inline:auto}
.sec-head{margin-bottom:40px}
.sec-head.split{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy-3);color:#cfd8ef;font-size:.85rem}
.topbar .wrap{display:flex;gap:16px;align-items:center;justify-content:space-between;padding:8px 0;flex-wrap:wrap}
.topbar a{text-decoration:none;color:#fff}.topbar .tb-r{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.stars{color:var(--gold);letter-spacing:1px}
@media(max-width:720px){.topbar .tb-hide{display:none}}

/* ---------- Header ---------- */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
header.site.scrolled{box-shadow:0 6px 24px rgba(11,31,77,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:104px}
.brand{display:flex;align-items:center;gap:16px;text-decoration:none;flex:none}
.brand-logo{height:84px;width:auto;max-width:200px;object-fit:contain;transition:height .2s}
header.site.scrolled .brand-logo{height:66px}
.brand-text{display:flex;flex-direction:column;line-height:1.1;padding-left:16px;border-left:2px solid var(--gold)}
.brand-name{font-family:Fraunces,Georgia,serif;font-size:1.7rem;font-weight:700;color:var(--navy);letter-spacing:-.01em}
.brand-co{font-size:.82rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--saffron);margin-top:4px}
.brand-tag{font-size:.8rem;color:var(--muted);margin-top:3px}
.menu{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:4px;padding:10px 12px;border-radius:10px;font-weight:600;font-size:.95rem;text-decoration:none;color:var(--navy);background:none;border:0;cursor:pointer;font-family:inherit}
.menu>li>a:hover,.menu>li>button:hover,.menu>li.active>button,.menu>li.active>a{background:var(--soft)}
.menu .car{font-size:.7rem;opacity:.7}
.drop{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(6px);min-width:560px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);padding:14px;display:grid;grid-template-columns:1fr 1fr;gap:2px;opacity:0;visibility:hidden;transition:.18s}
.drop.one{min-width:300px;grid-template-columns:1fr}
.drop::before{content:"";position:absolute;top:-10px;left:0;right:0;height:10px}
.menu>li:hover .drop,.menu>li:focus-within .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border-radius:12px;text-decoration:none}
.drop a .di{flex:none;width:36px;height:36px;border-radius:10px;background:var(--soft);display:grid;place-items:center;font-size:1.1rem}
.drop a b{display:block;color:var(--navy);font-weight:600;font-size:.94rem}.drop a span{display:block;font-size:.8rem;color:var(--muted)}
.drop a:hover{background:var(--soft)}.drop a:hover .di{background:var(--cream)}
.nav-cta{display:flex;gap:10px;align-items:center}
.burger{display:none;background:var(--navy);color:#fff;border:0;border-radius:12px;width:46px;height:46px;font-size:1.35rem;cursor:pointer}
.mobile{display:none;border-top:1px solid var(--line);padding:8px 0 22px;max-height:75vh;overflow:auto}
.mobile.open{display:block}
.mobile details{border-bottom:1px solid var(--soft)}
.mobile summary{padding:12px 0;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between}
.mobile summary::after{content:"+";color:var(--saffron)}.mobile details[open] summary::after{content:"–"}
.mobile a{display:block;padding:8px 0 8px 12px;text-decoration:none;color:var(--ink)}
.mobile .mob-cta{display:flex;gap:10px;margin-top:16px}
@media(max-width:1180px){.brand-tag{display:none}.menu>li>a,.menu>li>button{padding:10px 9px;font-size:.92rem}}
@media(max-width:1080px){.menu,.nav-cta .hide-m{display:none}.burger{display:block}}
@media(max-width:560px){.nav{min-height:84px}.brand-logo{height:62px}header.site.scrolled .brand-logo{height:54px}.brand-name{font-size:1.25rem}.brand-co{font-size:.66rem;letter-spacing:.1em}.brand-text{padding-left:10px}.brand{gap:10px}.nav-cta .btn-gold{display:none}}

/* ---------- Home slider ---------- */
.slider{position:relative;height:clamp(560px,78vh,720px);color:#fff;overflow:hidden;background:var(--navy)}
.slide{position:absolute;inset:0;opacity:0;visibility:hidden;transition:opacity 1s ease,visibility 1s}
.slide.active{opacity:1;visibility:visible}
.slide .bg{position:absolute;inset:0}
.slide .bg img{width:100%;height:100%;object-fit:cover;transform:scale(1.12);transition:transform 8s ease-out}
.slide.active .bg img{transform:scale(1)}
.slide .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(8,22,57,.95) 0%,rgba(11,31,77,.82) 42%,rgba(11,31,77,.25) 100%)}
.slide .content{position:relative;z-index:2;height:100%;display:flex;align-items:center}
.slide .copy{max-width:640px}
.slide .copy>*{opacity:0;transform:translateY(24px);transition:.7s ease}
.slide.active .copy>*{opacity:1;transform:none}
.slide.active .copy>*:nth-child(2){transition-delay:.15s}.slide.active .copy>*:nth-child(3){transition-delay:.3s}.slide.active .copy>*:nth-child(4){transition-delay:.45s}.slide.active .copy>*:nth-child(5){transition-delay:.6s}
.slide h1,.slide h2{color:#fff;font-size:clamp(2.1rem,4.8vw,3.7rem)}
.slide .lead{color:#d6def2}
.slide .tag{display:inline-flex;align-items:center;gap:8px;background:rgba(242,169,0,.16);border:1px solid rgba(242,169,0,.45);color:var(--gold-2);padding:6px 14px;border-radius:999px;font-size:.85rem;font-weight:600;margin-bottom:18px}
.slide .ticks{display:flex;flex-wrap:wrap;gap:8px 18px;list-style:none;padding:0;margin:0 0 26px;color:#e6ecfa;font-size:.95rem}
.slide .ticks li::before{content:"✓ ";color:var(--gold);font-weight:800}
.slide .btns{display:flex;gap:12px;flex-wrap:wrap}
.s-arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:5;width:50px;height:50px;border-radius:50%;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.08);color:#fff;font-size:1.4rem;cursor:pointer;backdrop-filter:blur(4px)}
.s-arrow:hover{background:var(--gold);color:var(--navy)}
.s-prev{left:18px}.s-next{right:18px}
.s-tabs{position:absolute;z-index:5;left:0;right:0;bottom:0;background:linear-gradient(0deg,rgba(8,22,57,.85),transparent)}
.s-tabs .wrap{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;padding:22px 0 18px}
.s-tab{background:none;border:0;color:#b9c4e0;text-align:left;cursor:pointer;font:inherit;font-size:.9rem;font-weight:600;padding:12px 0 0;position:relative}
.s-tab .bar{position:absolute;top:0;left:0;right:0;height:3px;background:rgba(255,255,255,.22);border-radius:3px;overflow:hidden}
.s-tab .bar i{display:block;height:100%;width:0;background:var(--gold)}
.s-tab.on{color:#fff}.s-tab.on .bar i{animation:fill var(--dur,7s) linear forwards}
.slider.paused .s-tab.on .bar i{animation-play-state:paused}
@keyframes fill{to{width:100%}}
.s-tab small{display:block;font-weight:400;font-size:.78rem;color:#93a2c8}
.s-card{position:absolute;z-index:4;right:max(16px,calc((100% - 1220px)/2));top:50%;transform:translateY(-58%);background:#fff;color:var(--ink);border-radius:22px;padding:26px;width:350px;box-shadow:var(--shadow-lg)}
.s-card h3{margin-bottom:.25em}.s-card p{font-size:.9rem;color:var(--muted)}
.s-card .seg{display:flex;background:var(--soft);border-radius:999px;padding:4px;margin-bottom:14px}
.s-card .seg button{flex:1;border:0;background:none;border-radius:999px;padding:8px;font:inherit;font-weight:600;color:var(--muted);cursor:pointer;font-size:.9rem}
.s-card .seg button.on{background:#fff;color:var(--navy);box-shadow:0 2px 8px rgba(11,31,77,.12)}
.s-card .row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:1120px){.s-card{display:none}}
@media(max-width:760px){.s-tabs .wrap{grid-template-columns:repeat(5,1fr);gap:6px}.s-tab{font-size:0;padding-top:0}.s-tab small{display:none}.s-arrow{display:none}.slider{height:640px}.slide .content{align-items:flex-start;padding-top:64px}}

/* ---------- Trust strip ---------- */
.trust{background:#fff;border-bottom:1px solid var(--line);padding:30px 0}
.trust .wrap{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;align-items:center}
.trust .t{display:flex;gap:12px;align-items:center}
.trust .ti{flex:none;width:48px;height:48px;border-radius:14px;background:var(--cream);display:grid;place-items:center;font-size:1.35rem}
.trust b{display:block;font-family:Fraunces,serif;font-size:1.25rem;color:var(--navy);line-height:1.15}
.trust span{font-size:.84rem;color:var(--muted)}
@media(max-width:980px){.trust .wrap{grid-template-columns:repeat(2,1fr)}}

/* ---------- Cards ---------- */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.fcard{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:.25s;display:flex;flex-direction:column;text-decoration:none}
.fcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.fcard .img{aspect-ratio:16/10;overflow:hidden;background:var(--soft);position:relative}
.fcard .img img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.fcard:hover .img img{transform:scale(1.07)}
.fcard .badge{position:absolute;left:14px;top:14px;background:var(--gold);color:var(--navy);font-weight:700;font-size:.75rem;padding:5px 10px;border-radius:999px}
.fcard .body{padding:22px 24px 26px;flex:1;display:flex;flex-direction:column}
.fcard p{color:var(--muted);flex:1}
.more{font-weight:700;color:var(--saffron);text-decoration:none}
@media(max-width:900px){.cards3{grid-template-columns:1fr}}

.svc-cat{margin-bottom:40px}
.svc-cat-h{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.svc-cat-h h3{margin:0}.svc-cat-h .line{flex:1;height:1px;background:var(--line)}
.svc-cat-h a{font-size:.9rem;font-weight:600;color:var(--saffron);text-decoration:none}
.pgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.pcard{display:flex;flex-direction:column;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;transition:.2s;position:relative}
.pcard:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.pcard .ic{font-size:1.5rem;width:52px;height:52px;border-radius:14px;background:var(--soft);display:grid;place-items:center;margin-bottom:12px}
.pcard:hover .ic{background:var(--cream)}
.pcard h3{font-size:1.06rem;margin-bottom:.35em}.pcard p{font-size:.9rem;color:var(--muted);margin:0 0 10px;flex:1}
.pcard .go{font-size:.88rem;font-weight:700;color:var(--saffron)}

/* ---------- Band ---------- */
.band{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(242,169,0,.28),transparent 65%)}
.band::after{content:"";position:absolute;left:-160px;bottom:-200px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(232,89,12,.18),transparent 65%)}
.band h2,.band h3{color:#fff}.band .lead{color:#c9d3ec}.band .eyebrow{color:var(--gold)}
.band-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative;z-index:1}
.bitem{display:block;text-decoration:none;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:26px;transition:.2s}
.bitem:hover{background:rgba(255,255,255,.1);border-color:rgba(242,169,0,.5);transform:translateY(-3px)}
.bitem .bi{font-size:1.6rem;margin-bottom:10px}
.bitem h3{color:var(--gold-2);font-size:1.15rem}.bitem p{color:#d4dcf0;font-size:.95rem;margin:0}
@media(max-width:900px){.band-grid{grid-template-columns:1fr}}

/* ---------- Split / why ---------- */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:56px;align-items:center}
.split.rev>:first-child{order:2}
.media{border-radius:26px;overflow:hidden;box-shadow:var(--shadow-lg);position:relative}
.media img{width:100%;aspect-ratio:4/3;object-fit:cover}
.media .float{position:absolute;left:18px;bottom:18px;background:#fff;border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);font-weight:700;color:var(--navy)}
.media .float small{display:block;color:var(--muted);font-weight:500}
.checks{list-style:none;padding:0;margin:22px 0}
.checks li{display:flex;gap:14px;align-items:flex-start;padding:13px 0;border-bottom:1px solid var(--line);font-weight:600;color:var(--navy)}
.checks li::before{content:"✓";flex:none;width:28px;height:28px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:800;font-size:.9rem}
.checks.plain li{font-weight:500;color:var(--ink)}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:34px}.split.rev>:first-child{order:0}}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.steps.three{grid-template-columns:repeat(3,1fr)}
.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;position:relative}
.step::before{counter-increment:s;content:counter(s);font-family:Fraunces,serif;font-size:1.3rem;color:var(--navy);font-weight:700;width:46px;height:46px;border-radius:50%;background:var(--gold);display:grid;place-items:center;margin-bottom:14px}
.step p{color:var(--muted);font-size:.94rem;margin:0}
@media(max-width:900px){.steps,.steps.three{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps,.steps.three{grid-template-columns:1fr}}

/* ---------- Advisor ---------- */
.advisor{display:grid;grid-template-columns:360px 1fr;gap:50px;align-items:center;background:#fff;border-radius:30px;box-shadow:var(--shadow-lg);padding:46px}
.advisor .pic{background:linear-gradient(160deg,var(--navy),var(--navy-2));border-radius:24px;padding:30px;display:grid;place-items:center;aspect-ratio:1;position:relative;overflow:hidden}
.advisor .pic::after{content:"";position:absolute;inset:auto -40px -60px auto;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(242,169,0,.35),transparent 70%)}
.advisor .pic .lg{background:#fff;border-radius:20px;padding:22px;position:relative;z-index:1;box-shadow:0 14px 34px rgba(0,0,0,.25)}
.advisor .pic img{max-height:190px;width:auto}
blockquote{margin:18px 0;padding:14px 20px;border-left:4px solid var(--gold);background:var(--soft);border-radius:0 12px 12px 0;font-family:Fraunces,serif;font-size:1.2rem;color:var(--navy)}
.badges{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 22px}
.badges span{background:var(--soft);border:1px solid var(--line);padding:6px 12px;border-radius:999px;font-size:.85rem;font-weight:600;color:var(--navy)}
@media(max-width:900px){.advisor{grid-template-columns:1fr;padding:26px}.advisor .pic{aspect-ratio:auto;padding:36px}}

/* ---------- Review block ---------- */
.review{background:linear-gradient(135deg,#fff,var(--cream));border:1px solid #f6e3b0;border-radius:28px;padding:44px;display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.review .big{font-size:2rem;color:var(--gold);letter-spacing:4px}

/* ---------- FAQ ---------- */
.faq{max-width:880px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:14px;padding:4px 22px;margin-bottom:12px;background:#fff;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:#f0d58a}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:15px 0;list-style:none;display:flex;justify-content:space-between;gap:12px;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--saffron);line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted)}

/* ---------- CTA ---------- */
.cta{background:linear-gradient(120deg,var(--saffron),var(--gold));color:var(--navy);padding:64px 0}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta h2{color:var(--navy);margin:0 0 .2em}.cta p{margin:0;font-weight:500}
.cta .btn-line{border-color:var(--navy)}

/* ---------- Inner page hero ---------- */
.phero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:0}
.phero::before{content:"";position:absolute;right:-200px;top:-200px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(242,169,0,.22),transparent 65%)}
.phero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center;padding:56px 0 64px;position:relative}
.phero.noimg .wrap{grid-template-columns:1fr}
.phero h1{color:#fff;font-size:clamp(2rem,4.2vw,3.2rem)}.phero .lead{color:#cdd6ee}
.crumb{font-size:.85rem;color:#aebbdc;margin-bottom:16px}.crumb a{color:var(--gold-2);text-decoration:none}.crumb span{margin:0 6px;opacity:.6}
.phero .pic{position:relative}
.phero .pic img{border-radius:24px;box-shadow:var(--shadow-lg);width:100%;aspect-ratio:16/10;object-fit:cover}
.phero .pic .chip{position:absolute;left:-18px;bottom:24px;background:#fff;color:var(--navy);border-radius:14px;padding:12px 16px;font-weight:700;box-shadow:var(--shadow);display:flex;gap:10px;align-items:center}
.phero .pic .chip i{font-style:normal;font-size:1.4rem}
.phero .btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
@media(max-width:900px){.phero .wrap{grid-template-columns:1fr;padding:40px 0 48px}.phero .pic .chip{left:12px}}

.facts{background:#fff;border-bottom:1px solid var(--line)}
.facts .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.fact{padding:26px 24px;border-right:1px solid var(--line);display:flex;gap:14px;align-items:flex-start}
.fact:last-child{border-right:0}
.fact .fi{flex:none;width:44px;height:44px;border-radius:12px;background:var(--cream);display:grid;place-items:center;font-size:1.2rem}
.fact b{display:block;color:var(--navy);font-size:1rem}.fact span{font-size:.88rem;color:var(--muted)}
@media(max-width:820px){.facts .wrap{grid-template-columns:1fr}.fact{border-right:0;border-bottom:1px solid var(--line)}}

.pbody{display:grid;grid-template-columns:1fr 360px;gap:52px;align-items:start}
.prose h2{font-size:1.75rem;margin-top:1.5em}.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.2em}
.prose p,.prose li{color:#384152;font-size:1.05rem}
.prose ul,.prose ol{padding-left:1.25em}.prose li{margin-bottom:.4em}
.prose .callout{background:var(--cream);border:1px solid #f3dfa6;border-radius:16px;padding:20px 22px;margin:24px 0}
.prose .callout p:last-child{margin:0}
.prose .grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.prose .tile{background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:20px}
.prose .tile h3{margin-top:0;font-size:1.1rem}.prose .tile p{font-size:.96rem;margin:0}
.prose table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.96rem}
.prose th,.prose td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}
.prose th{background:var(--soft);color:var(--navy)}
@media(max-width:640px){.prose .grid2{grid-template-columns:1fr}}
.side{position:sticky;top:130px;display:flex;flex-direction:column;gap:18px}
.side .box{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.side .box.navy{background:var(--navy);color:#fff;border:0}
.side .box.navy h3{color:#fff}.side .box.navy p{color:#c9d3ec}
.side h3{font-size:1.15rem}
.side .rel a{display:flex;gap:10px;align-items:center;padding:9px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:500;font-size:.94rem}
.side .rel a:last-child{border:0}.side .rel a:hover{color:var(--saffron)}
@media(max-width:980px){.pbody{grid-template-columns:1fr}.side{position:static}}

/* ---------- Forms ---------- */
form .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form .full{grid-column:1/-1}
label{font-size:.85rem;font-weight:600;color:var(--navy);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:12px;font:inherit;background:var(--soft);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);background:#fff}
.box.navy label{color:#dfe6f7}.box.navy input,.box.navy select{background:#fff}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pills label{margin:0;font-weight:500;border:1px solid var(--line);border-radius:999px;padding:8px 14px;cursor:pointer;background:var(--soft);color:var(--ink);transition:.15s}
.pills input{position:absolute;opacity:0;pointer-events:none}
.pills label.on{background:var(--cream);border-color:var(--gold);color:var(--navy);font-weight:700}
.formnote{font-size:.8rem;color:var(--muted);margin-top:12px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:var(--shadow)}
@media(max-width:700px){form .fgrid{grid-template-columns:1fr}.form-card{padding:22px}}
.ok{display:none;background:#eaf7ef;border:1px solid #b9e3c8;color:#17663a;border-radius:12px;padding:12px 14px;margin-top:12px;font-size:.92rem}
.ok.show{display:block}

/* ---------- Contact ---------- */
.contact{display:grid;grid-template-columns:1fr 1.2fr;gap:36px;align-items:start}
.cinfo{background:var(--navy);color:#fff;border-radius:24px;padding:34px}
.cinfo h2,.cinfo h3{color:#fff}
.cline{display:flex;gap:14px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12);align-items:flex-start}
.cline:last-of-type{border:0}
.cline .i{flex:none;width:44px;height:44px;border-radius:12px;background:rgba(242,169,0,.18);display:grid;place-items:center;font-size:1.15rem}
.cline small{display:block;color:#aebbdc;font-size:.8rem}.cline a{text-decoration:none;color:#fff;font-weight:600}
.socials{display:flex;gap:10px;margin-top:18px}
.socials a{width:42px;height:42px;border-radius:12px;background:rgba(255,255,255,.1);display:grid;place-items:center;text-decoration:none;font-weight:700;color:#fff}
.socials a:hover{background:var(--gold);color:var(--navy)}
.socials svg{width:18px;height:18px;fill:currentColor}
.map{border:0;width:100%;height:360px;border-radius:24px;box-shadow:var(--shadow);display:block}
@media(max-width:900px){.contact{grid-template-columns:1fr}}

/* ---------- Footer ---------- */
footer{background:var(--navy-3);color:#b9c4e0;padding:70px 0 28px;font-size:.93rem}
.fcols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:30px}
footer h4{color:#fff;font-size:.98rem;margin:0 0 14px;font-family:Inter,sans-serif;font-weight:700}
footer a{display:block;text-decoration:none;padding:4px 0;color:#b9c4e0}footer a:hover{color:var(--gold)}
.fbrand{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.fbrand img{height:76px;width:auto;background:#fff;border-radius:14px;padding:8px}
.fbrand b{font-family:Fraunces,serif;color:#fff;font-size:1.35rem;display:block;line-height:1.1}
.fbrand small{color:var(--gold);font-weight:700;letter-spacing:.1em;text-transform:uppercase;font-size:.72rem}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:22px;font-size:.8rem;display:grid;gap:10px}
.legal .lr{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.legal .lr div{display:flex;gap:16px;flex-wrap:wrap}.legal a{display:inline;padding:0}
@media(max-width:980px){.fcols{grid-template-columns:1fr 1fr}.fcols>:first-child{grid-column:1/-1}}

/* ---------- Floating quick bar ---------- */
.qbar{position:fixed;right:20px;bottom:20px;z-index:60;background:#fff;border:1px solid var(--line);border-radius:999px;box-shadow:var(--shadow-lg);padding:6px 6px 6px 16px;display:flex;align-items:center;gap:8px;font-size:.88rem}
.qbar .live{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--navy)}
.qbar .live i{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 0 rgba(31,157,85,.6);animation:pulse 1.8s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 10px rgba(31,157,85,0)}100%{box-shadow:0 0 0 0 rgba(31,157,85,0)}}
.qbar a{text-decoration:none}
.mbar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 12px;gap:8px;box-shadow:0 -8px 24px rgba(11,31,77,.12)}
.mbar a{flex:1;padding:.75em .6em;font-size:.92rem}
@media(max-width:760px){.qbar{display:none}.mbar{display:flex}body{padding-bottom:70px}}

.totop{position:fixed;right:20px;bottom:86px;z-index:59;width:44px;height:44px;border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:1.1rem;cursor:pointer;opacity:0;visibility:hidden;transition:.2s;box-shadow:var(--shadow)}
.totop.show{opacity:1;visibility:visible}
@media(max-width:760px){.totop{bottom:84px;right:14px}}

/* ---------- Misc ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
.counter{font-variant-numeric:tabular-nums}
.note{font-size:.85rem;color:var(--muted)}
.tag-row{display:flex;flex-wrap:wrap;gap:8px}
.tag-row a{background:var(--soft);border:1px solid var(--line);padding:7px 14px;border-radius:999px;font-size:.88rem;font-weight:600;color:var(--navy);text-decoration:none}
.tag-row a:hover{border-color:var(--gold);background:var(--cream)}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}.reveal,.slide .copy>*{opacity:1;transform:none}}
.advisor .socials a{background:var(--soft);color:var(--navy);border:1px solid var(--line)}
.advisor .socials a:hover{background:var(--gold)}
@media(max-width:1320px){.nav-cta .hide-l{display:none}}
@media(max-width:560px){.brand-logo{max-width:118px}.topbar .wrap{justify-content:center;text-align:center}}

/* ===== v3: banner slider ===== */
.hero2{background:var(--navy-3);position:relative}
.h2-stage{position:relative;aspect-ratio:3.5/1;max-height:600px;width:100%;overflow:hidden;background:var(--navy)}
.hs{position:absolute;inset:0;opacity:0;visibility:hidden;transition:opacity .9s ease,visibility .9s}
.hs.active{opacity:1;visibility:visible}
.hs-img{display:block;width:100%;height:100%}
.hs-img img{width:100%;height:100%;object-fit:cover;transform:scale(1.04);transition:transform 7s ease-out}
.hs.active .hs-img img{transform:scale(1)}
.hs-split{position:absolute;inset:0;display:grid;grid-template-columns:1.05fr 1fr;align-items:center;gap:4%;padding:0 max(16px,calc((100% - 1220px)/2));background:radial-gradient(circle at 85% 20%,rgba(242,169,0,.25),transparent 45%),linear-gradient(110deg,var(--navy-3),var(--navy) 55%,var(--navy-2))}
.hs-split .txt{color:#fff}
.hs-split .txt .k{color:var(--gold-2);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:clamp(.7rem,1vw,.85rem)}
.hs-split .txt h2{color:#fff;font-size:clamp(1.5rem,3.3vw,3.2rem);margin:.3em 0}
.hs-split .txt p{color:#cdd6ee;font-size:clamp(.85rem,1.2vw,1.1rem);margin:0}
.hs-split .pics{display:flex;gap:4%;justify-content:flex-end;height:78%}
.hs-split .pics img{height:100%;width:auto;aspect-ratio:1;object-fit:cover;border-radius:clamp(10px,1.4vw,22px);box-shadow:0 20px 50px rgba(0,0,0,.35)}
.hs-split .pics img:nth-child(2){transform:translateY(8%)}
.h2-arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:5;width:46px;height:46px;border-radius:50%;border:0;background:rgba(255,255,255,.85);color:var(--navy);font-size:1.4rem;cursor:pointer;box-shadow:var(--shadow)}
.h2-arrow:hover{background:var(--gold)}
.h2-prev{left:16px}.h2-next{right:16px}
.h2-bar{background:var(--navy-3);color:#fff;border-bottom:4px solid var(--gold)}
.h2-bar .wrap{display:grid;grid-template-columns:1.25fr 1fr;gap:30px;align-items:center;padding-block:24px}
.h2-caps{position:relative;min-height:108px}
.cap{position:absolute;inset:0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.5s}
.cap.active{opacity:1;visibility:visible;transform:none;position:relative}
.cap .k{color:var(--gold-2);font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.cap h1,.cap h2{color:#fff;font-size:clamp(1.35rem,2.4vw,2rem);margin:.25em 0 .55em}
.cap .btns{display:flex;gap:10px;flex-wrap:wrap}
.h2-tabs{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.h2-tab{background:none;border:0;color:#93a2c8;text-align:left;cursor:pointer;font:inherit;font-size:.82rem;font-weight:600;padding:12px 0 0;position:relative;line-height:1.25}
.h2-tab .bar{position:absolute;top:0;left:0;right:0;height:3px;background:rgba(255,255,255,.18);border-radius:3px;overflow:hidden}
.h2-tab .bar i{display:block;height:100%;width:0;background:var(--gold)}
.h2-tab.on{color:#fff}.h2-tab.on .bar i{animation:fill var(--dur,7s) linear forwards}
.hero2.paused .h2-tab.on .bar i{animation-play-state:paused}
@media(max-width:900px){.h2-bar .wrap{grid-template-columns:1fr;gap:18px}}
@media(max-width:760px){.h2-stage{aspect-ratio:1/1;max-height:none}.hs-split{grid-template-columns:1fr;padding:24px 20px;align-content:center;text-align:left}.hs-split .pics{height:auto;justify-content:flex-start}.hs-split .pics img{width:46%;height:auto}.hs-split .pics img:nth-child(2){transform:none}.h2-arrow{width:38px;height:38px;font-size:1.1rem}.h2-tab{font-size:0;padding-top:4px}}

/* ===== v3: images, about, preview ===== */
.phero .pic img.sq{aspect-ratio:1/1}
.phero .pic img.wide{aspect-ratio:1/1;object-position:72% center}
.media img.sq{aspect-ratio:1/1}
.fcard .img img.sq{object-position:center 40%}
.infog{margin:26px 0;background:var(--soft);border:1px solid var(--line);border-radius:20px;padding:14px;text-align:center}
.infog img{border-radius:14px;margin:0 auto;max-height:720px;width:auto}
.infog figcaption{font-size:.88rem;color:var(--muted);margin-top:8px}
.brand-mono{display:none;width:64px;height:64px;border-radius:18px;background:linear-gradient(150deg,var(--navy),var(--navy-2));color:var(--gold);font-family:Fraunces,Georgia,serif;font-weight:700;font-size:1.6rem;place-items:center;flex:none;box-shadow:inset 0 0 0 2px rgba(242,169,0,.5)}
.brand.nologo .brand-mono{display:grid}
.brand.nologo .brand-logo{display:none}
.fbrand.nologo img{display:none}
.portrait{border-radius:28px;overflow:hidden;position:relative;background:linear-gradient(160deg,var(--navy),var(--navy-2));aspect-ratio:4/5;box-shadow:var(--shadow-lg)}
.portrait img{width:100%;height:100%;object-fit:cover}
.portrait .mono{position:absolute;inset:0;display:grid;place-items:center;text-align:center;color:#fff}
.portrait .mono b{display:grid;place-items:center;width:170px;height:170px;border-radius:50%;margin:0 auto 18px;font-family:Fraunces,Georgia,serif;font-size:4rem;color:var(--navy);background:radial-gradient(circle at 30% 30%,var(--gold-2),var(--gold));box-shadow:0 20px 50px rgba(0,0,0,.35)}
.portrait .mono span{font-family:Fraunces,Georgia,serif;font-size:1.6rem}
.portrait .mono small{display:block;color:var(--gold-2);letter-spacing:.14em;text-transform:uppercase;font-size:.75rem;font-weight:700;margin-top:4px}
.portrait .tagp{position:absolute;left:18px;bottom:18px;right:18px;background:rgba(255,255,255,.95);border-radius:16px;padding:14px 16px;color:var(--navy);font-weight:700;display:flex;gap:12px;align-items:center}
.portrait .tagp i{font-style:normal;font-size:1.5rem}
.portrait .tagp small{display:block;color:var(--muted);font-weight:500}
.ab-hero{background:linear-gradient(180deg,var(--cream),#fff);padding-block:64px}
.ab-hero .wrap{display:grid;grid-template-columns:420px 1fr;gap:60px;align-items:center}
.ab-hero h1{font-size:clamp(2.2rem,4.6vw,3.6rem)}
.ab-hero .role{font-weight:700;color:var(--saffron);letter-spacing:.06em;text-transform:uppercase;font-size:.85rem;margin-bottom:12px}
.ab-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:26px 0}
.ab-stats div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px}
.ab-stats b{display:block;font-family:Fraunces,serif;color:var(--navy);font-size:1.35rem;line-height:1.1}
.ab-stats span{font-size:.8rem;color:var(--muted)}
@media(max-width:960px){.ab-hero .wrap{grid-template-columns:1fr;gap:34px}.ab-hero .portrait{max-width:420px}.ab-stats{grid-template-columns:1fr 1fr}}
.traits{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trait{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px}
.trait .ti{width:54px;height:54px;border-radius:16px;background:var(--cream);display:grid;place-items:center;font-size:1.5rem;margin-bottom:14px}
.trait p{color:var(--muted);font-size:.95rem;margin:0}
@media(max-width:960px){.traits{grid-template-columns:1fr 1fr}}@media(max-width:560px){.traits{grid-template-columns:1fr}}
.bigquote{background:var(--navy);color:#fff;text-align:center;position:relative;overflow:hidden}
.bigquote::before{content:"“";position:absolute;left:50%;top:-60px;transform:translateX(-50%);font-family:Fraunces,serif;font-size:22rem;line-height:1;color:rgba(242,169,0,.12)}
.bigquote q{display:block;font-family:Fraunces,serif;font-size:clamp(1.8rem,4vw,3.2rem);color:#fff;quotes:none;position:relative;max-width:900px;margin:0 auto}
.bigquote cite{display:block;margin-top:18px;color:var(--gold-2);font-style:normal;font-weight:600;position:relative}
.expertise{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.exp{display:block;text-decoration:none;border-radius:20px;overflow:hidden;background:#fff;border:1px solid var(--line);transition:.2s}
.exp:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.exp img{aspect-ratio:1/1;object-fit:cover;width:100%}
.exp div{padding:14px 16px}.exp b{color:var(--navy);display:block}.exp span{font-size:.85rem;color:var(--muted)}
@media(max-width:960px){.expertise{grid-template-columns:1fr 1fr}}
.preview-ribbon{background:var(--gold);color:var(--navy);text-align:center;font-size:.85rem;font-weight:600;padding:7px 16px}
.mapcard{display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--soft);border:1px solid var(--line);border-radius:24px;padding:28px}
section.hero2{padding:0}
.fcard .img{aspect-ratio:4/3}
.fcard .img img.sq{object-position:center top}
.exp img{object-position:center top}

/* ===== v4: real logo ===== */
.brand-text,.brand-mono{display:none!important}
.brand-logo{height:74px;width:auto;max-width:none}
header.site.scrolled .brand-logo{height:60px}
.fbrand img{height:auto;width:100%;max-width:320px;border-radius:14px;padding:12px 16px}
.fbrand div{display:none}
@media(max-width:1180px){.brand-logo{height:62px}}
@media(max-width:560px){.brand-logo{height:auto;width:min(230px,58vw);max-width:none}header.site.scrolled .brand-logo{height:auto;width:min(200px,52vw)}}
.portrait img{object-position:center 20%}
.hs-split .txt{min-width:0}
.hs-split .pics{min-width:0;height:84%;align-items:center}
.hs-split .pics img{height:auto;width:47%;max-height:100%}
@media(max-width:760px){.hs-split .pics img{width:46%}}
.legal .credit{color:#8f9cc0}

/* ---------- Insurance partners ---------- */
.partners{padding-top:64px;border-top:1px solid var(--line)}
.partners .sec-head{margin-bottom:28px}
.pt-label{font-family:Inter,system-ui,sans-serif;font-size:.82rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:28px 0 14px}
.pt-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(9,1fr);gap:12px}
.pt{display:flex;align-items:center;justify-content:center;height:92px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:14px;transition:box-shadow .2s,transform .2s}
.pt:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.pt img{max-width:100%;max-height:62px;width:auto;height:auto;object-fit:contain}
.pt span{font-weight:600;color:var(--navy);text-align:center;line-height:1.25;font-size:.92rem}
@media(max-width:1023px){.pt-grid{grid-template-columns:repeat(5,1fr)}}
@media(max-width:560px){.pt-grid{grid-template-columns:repeat(3,1fr);gap:8px}.pt{height:74px;padding:8px;border-radius:12px}.pt img{max-height:46px}.pt span{font-size:.85rem}}