:root {
  --ink: #07172b;
  --navy: #0b1f3a;
  --navy-2: #102b4c;
  --slate: #5c6b7b;
  --muted: #eef3f8;
  --paper: #fbf8f2;
  --white: #ffffff;
  --gold: #c9943a;
  --gold-2: #f0d8a8;
  --blue: #1f66d1;
  --green: #2f7d59;
  --border: rgba(7, 23, 43, 0.12);
  --shadow: rgba(7, 23, 43, 0.12) 0 24px 60px -24px, rgba(7, 23, 43, 0.08) 0 8px 24px -16px;
  color-scheme: light;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: linear-gradient(180deg, #ffffff 0%, #fbf8f2 42%, #ffffff 100%);
  font-family: 'DM Sans', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
a:hover { color: var(--blue); }
img { max-width: 100%; height: auto; }
button, input, select, textarea { font: inherit; }
.skip-link { position: absolute; left: -999px; top: 0; background: var(--navy); color: white; padding: .75rem 1rem; z-index: 100; }
.skip-link:focus { left: 1rem; top: 1rem; }
.container { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }
.section { padding: clamp(4rem, 8vw, 7rem) 0; }
.section-tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .45rem; margin: 0 0 1rem; color: var(--green); font-weight: 800; font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; }
.eyebrow::before { content: ''; width: 8px; height: 8px; border-radius: 999px; background: var(--gold); }
h1, h2, h3 { line-height: 1.05; letter-spacing: -0.045em; margin: 0; color: var(--ink); }
h1 { font-size: clamp(2.75rem, 7vw, 5.8rem); max-width: 980px; }
h2 { font-size: clamp(2rem, 4vw, 3.6rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.65rem); letter-spacing: -0.025em; }
p { margin: 0; color: var(--slate); }
.lead { font-size: clamp(1.08rem, 2vw, 1.35rem); max-width: 760px; }
.small { font-size: .92rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: .85rem; align-items: center; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .45rem; min-height: 48px; padding: .85rem 1.15rem; border-radius: 999px; font-weight: 800; border: 1px solid transparent; transition: transform .18s ease, background .18s ease, border-color .18s ease; }
.btn:hover { transform: translateY(-1px); color: inherit; }
.btn-primary { background: var(--navy); color: white; box-shadow: var(--shadow); }
.btn-primary:hover { background: var(--blue); color: white; }
.btn-gold { background: var(--gold); color: #241604; }
.btn-outline { background: rgba(255,255,255,.8); color: var(--navy); border-color: var(--border); }
.btn-outline:hover { border-color: var(--blue); }
.card { background: rgba(255,255,255,.92); border: 1px solid var(--border); border-radius: 28px; padding: clamp(1.25rem, 3vw, 2rem); box-shadow: rgba(7,23,43,.04) 0 1px 0; }
.card-elevated { box-shadow: var(--shadow); }
.grid { display: grid; gap: 1rem; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,.82); backdrop-filter: blur(18px); border-bottom: 1px solid rgba(7,23,43,.08); }
.nav { height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.logo { display: flex; align-items: center; gap: .7rem; font-weight: 900; color: var(--navy); }
.logo-mark { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 14px; background: linear-gradient(135deg, var(--navy), var(--blue)); color: white; box-shadow: var(--shadow); }
.nav-links { display: flex; align-items: center; gap: 1rem; font-weight: 700; font-size: .95rem; }
.nav-actions { display: flex; align-items: center; gap: .65rem; }
.mobile-menu { display: none; }
.hero { position: relative; overflow: hidden; padding: clamp(4.5rem, 9vw, 8rem) 0 clamp(3rem, 6vw, 5rem); }
.hero::before { content: ''; position: absolute; inset: -20% -20% auto auto; width: 640px; height: 640px; background: radial-gradient(circle, rgba(201,148,58,.22), transparent 62%); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(320px, .9fr); gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hero-copy { display: grid; gap: 1.5rem; position: relative; }
.hero-panel { background: linear-gradient(145deg, var(--navy), #123a68); color: white; border-radius: 36px; padding: clamp(1.5rem, 4vw, 2.4rem); box-shadow: rgba(7,23,43,.22) 0 35px 80px -35px; position: relative; overflow: hidden; }
.hero-panel::after { content: ''; position: absolute; width: 220px; height: 220px; right: -60px; top: -60px; border-radius: 999px; background: rgba(240,216,168,.22); }
.hero-panel * { position: relative; }
.hero-panel h2, .hero-panel h3 { color: white; }
.hero-panel p { color: rgba(255,255,255,.78); }
.metric-row { display: grid; grid-template-columns: repeat(3,1fr); gap: .75rem; margin-top: 1.25rem; }
.metric { padding: 1rem; border-radius: 20px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15); }
.metric strong { display: block; font-size: 1.2rem; color: var(--gold-2); }
.trust-strip { display: grid; grid-template-columns: repeat(4,1fr); gap: .75rem; margin-top: 2rem; }
.trust-item { padding: .85rem 1rem; border: 1px solid var(--border); border-radius: 18px; background: rgba(255,255,255,.75); font-weight: 800; color: var(--navy); }
.feature-list { display: grid; gap: .75rem; margin-top: 1rem; }
.feature-list li { list-style: none; display: flex; gap: .7rem; color: var(--slate); }
.feature-list li::before { content: '✓'; color: var(--green); font-weight: 900; }
.split { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.process-card { display: grid; gap: .85rem; }
.step { color: var(--gold); font-weight: 900; letter-spacing: .08em; }
.cta-band { background: linear-gradient(135deg, var(--navy), #0f3866); color: white; border-radius: 36px; padding: clamp(2rem, 5vw, 4rem); display: grid; gap: 1.4rem; overflow: hidden; position: relative; }
.cta-band h2, .cta-band h3 { color: white; }
.cta-band p { color: rgba(255,255,255,.78); }
.footer { background: var(--ink); color: white; padding: 3rem 0 2rem; }
.footer p, .footer a { color: rgba(255,255,255,.72); }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 2rem; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2rem; padding-top: 1.5rem; font-size: .85rem; color: rgba(255,255,255,.62); }
.page-hero { padding: clamp(3rem, 7vw, 6rem) 0; background: linear-gradient(180deg, var(--paper), #fff); }
.form { display: grid; gap: 1rem; }
.form label { display: grid; gap: .35rem; font-weight: 800; color: var(--navy); }
.form input, .form select, .form textarea { width: 100%; border: 1px solid var(--border); border-radius: 16px; padding: .9rem 1rem; background: white; }
.form textarea { min-height: 130px; resize: vertical; }
.notice { padding: 1rem; border-radius: 20px; background: #fff8e8; border: 1px solid rgba(201,148,58,.35); color: #5b3a06; }
.article { max-width: 780px; margin: 0 auto; }
.article p { margin: 1rem 0; }
@media (max-width: 920px) {
  .nav-links, .nav-actions .hide-sm { display: none; }
  .mobile-menu { display: inline-flex; }
  .hero-grid, .split, .grid-2, .grid-3, .footer-grid { grid-template-columns: 1fr; }
  .trust-strip { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 560px) {
  .container { width: min(100% - 1rem, 1120px); }
  .nav { height: 68px; }
  .trust-strip, .metric-row { grid-template-columns: 1fr; }
  .btn { width: 100%; }
  .hero-panel, .cta-band, .card { border-radius: 22px; }
}


/* Reference-inspired premium navy/gold redesign */
:root {
  --ink: #061738;
  --navy: #001d42;
  --navy-2: #062a5c;
  --teal: #0b8a8f;
  --teal-light: #dff3f2;
  --gold: #f3b42b;
  --gold-2: #ffd56a;
  --paper: #f7fbfd;
  --muted: #edf7f8;
  --slate: #263953;
}
body { background: #fff; color: var(--ink); font-family: 'DM Sans', system-ui, sans-serif; }
h1, h2 { font-family: Georgia, 'Times New Roman', serif; font-weight: 700; letter-spacing: -0.055em; }
h3 { letter-spacing: -0.02em; }
.site-header { background: linear-gradient(90deg, #001737, #002a5c); border-bottom: 0; box-shadow: 0 12px 36px rgba(0,25,61,.18); }
.nav { height: 88px; }
.logo { color: white; gap: .8rem; }
.logo:hover { color: white; }
.logo-mark { display:none; }
.logo-shield { position: relative; width: 54px; height: 62px; display: grid; place-items: center; color: white; font-family: Georgia, serif; font-size: 1.55rem; }
.logo-shield::before { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, var(--gold), #d98e12); clip-path: polygon(50% 0, 92% 12%, 92% 66%, 50% 100%, 8% 66%, 8% 12%); }
.logo-shield::after { content: ''; position: absolute; inset: 5px; background: #08244f; clip-path: polygon(50% 0, 90% 13%, 90% 64%, 50% 94%, 10% 64%, 10% 13%); }
.logo-shield span { position: relative; z-index: 1; }
.logo-text { display: grid; line-height: 1; }
.logo-text strong { font-family: Georgia, serif; font-size: clamp(1.35rem, 2.4vw, 2rem); letter-spacing: .05em; font-weight: 500; }
.logo-text small { margin-top: .35rem; color: var(--gold); font-size: .62rem; text-transform: uppercase; letter-spacing: .2em; font-weight: 800; }
.nav-links a { color: white; opacity: .96; padding: 1.95rem .15rem 1.55rem; border-bottom: 3px solid transparent; }
.nav-links a.active, .nav-links a:hover { color: white; border-bottom-color: var(--gold); }
.phone-link { color: rgba(255,255,255,.86); font-weight: 700; }
.btn-gold { background: linear-gradient(180deg, #ffc447, #f0a914); color: #07172b; border-color: rgba(255,255,255,.1); box-shadow: 0 10px 22px rgba(230,156,16,.24); }
.btn-primary { background: linear-gradient(90deg, var(--navy), var(--navy-2)); }
.hero { padding: 0; background: white; }
.hero-grid { min-height: 360px; grid-template-columns: minmax(0,.86fr) minmax(360px,1.14fr); gap: 0; width: 100%; }
.hero-copy { padding: clamp(2rem, 4vw, 3.25rem) 0; }
.hero-copy h1 { color: var(--ink); font-size: clamp(3.2rem, 7.5vw, 6rem); }
.hero-copy .lead { color: #12213d; font-size: clamp(1.2rem, 2vw, 1.45rem); max-width: 590px; }
.hero-insurance-banner { align-self: stretch; display: grid; align-content: center; gap: 1.1rem; padding: clamp(1.5rem, 4vw, 3rem); background: linear-gradient(135deg, #001737, #05336b); color: white; box-shadow: var(--shadow); }
.hero-insurance-banner h2 { color: white; font-size: clamp(1.8rem, 3vw, 2.8rem); }
.hero-insurance-banner p { color: rgba(255,255,255,.82); }
.hero-insurance-banner .btn-outline { width: fit-content; background: rgba(255,255,255,.95); }
.hero-photo, .hero-panel { min-height: 430px; border-radius: 0; box-shadow: none; background: linear-gradient(90deg, rgba(255,255,255,.95) 0%, rgba(255,255,255,.70) 18%, rgba(255,255,255,.05) 44%), linear-gradient(135deg, rgba(247,231,200,.78), rgba(230,245,246,.5)), radial-gradient(circle at 68% 45%, rgba(255,255,255,.6) 0 9%, transparent 10%), linear-gradient(135deg, #dfc6a7, #faf4ea 34%, #b6d2d4 35%, #f8eee4 62%, #0b1f3a 63%); color: var(--ink); display: grid; align-content: end; padding: 2rem; position: relative; overflow: hidden; }
.hero-photo::before, .hero-panel::before { content: ''; position: absolute; right: 7%; bottom: 8%; width: 55%; height: 42%; border-radius: 28px 28px 10px 10px; background: linear-gradient(135deg, rgba(255,255,255,.72), rgba(244,225,190,.8)); box-shadow: 0 18px 45px rgba(0,25,61,.18); }
.hero-photo::after, .hero-panel::after { content: 'Family Protection Review'; position: absolute; right: 10%; bottom: 13%; width: 28%; min-width: 170px; padding: 1rem; border-radius: 18px; background: rgba(0,29,66,.92); color: white; font-weight: 800; font-size: .95rem; box-shadow: var(--shadow); }
.hero-panel h2, .hero-panel h3 { color: var(--ink); }
.hero-panel p { color: #142542; }
.metric-row { display:none; }
.trust-strip { width: 100%; max-width: none; margin: 0; padding: 1.15rem max(1rem, calc((100vw - 1120px)/2)); background: linear-gradient(90deg, #00224b, #001737); grid-template-columns: repeat(4,1fr); }
.trust-item { color: white; background: transparent; border: 0; border-right: 1px solid rgba(255,255,255,.35); border-radius: 0; display:flex; gap:.7rem; align-items:center; }
.trust-item::before { content: '◇'; color: #5fd2d1; font-size: 1.8rem; }
.card { border-radius: 10px; box-shadow: 0 7px 28px rgba(6,23,56,.10); border-color: rgba(6,23,56,.12); }
.card:hover { transform: translateY(-2px); transition: transform .18s ease, box-shadow .18s ease; box-shadow: 0 16px 42px rgba(6,23,56,.14); }
.card h3::after { content:''; display:block; width:38px; height:3px; background:var(--gold); margin:.65rem 0 .55rem; }
.cta-band { background: linear-gradient(90deg, #001737, #05336b); border-radius: 14px; }
.process-strip { background: linear-gradient(90deg, #edf9fb, #f7fcfd); padding: 2rem 0; }
.home-what-do { padding: clamp(1.5rem, 3vw, 2.25rem) 0; }
.service-icon { width:70px;height:70px;border-radius:50%;background:var(--teal-light);display:grid;place-items:center;color:var(--teal);font-size:2rem;flex:0 0 auto; }
.icon-card { display:flex;align-items:center;gap:1.1rem;min-height:150px; }
.footer { background: linear-gradient(90deg, #001737, #001f46); }
@media (max-width: 920px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-photo, .hero-panel { min-height: 300px; border-radius: 0; }
  .trust-strip { grid-template-columns: repeat(2,1fr); }
  .nav { height: 76px; }
}
@media (max-width: 560px) {
  .logo-text small { display:none; }
  .logo-shield { width: 42px; height: 48px; font-size:1.15rem; }
  .trust-strip { grid-template-columns: 1fr; }
}


/* Icon/text fit polish */
.nav { min-width: 0; }
.logo { flex: 0 0 auto; min-width: 265px; }
.nav-links { flex: 1 1 auto; justify-content: center; min-width: 0; gap: clamp(.65rem, 1.4vw, 1.25rem); }
.nav-links a { white-space: nowrap; font-size: clamp(.86rem, .9vw, .98rem); }
.nav-actions { flex: 0 0 auto; }
.grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.icon-card {
  display: grid;
  grid-template-columns: 76px minmax(0, 1fr);
  align-items: start;
  gap: 1.15rem;
  min-height: 190px;
  padding: 1.45rem;
  overflow: hidden;
}
.icon-card.compact-icon-card { min-height: 132px; align-items: center; }
.service-icon {
  width: 76px;
  height: 76px;
  border-radius: 999px;
  background: linear-gradient(180deg, #e9f7f7, #d9f0ef);
  display: grid;
  place-items: center;
  color: var(--teal);
  flex: 0 0 auto;
  box-shadow: inset 0 0 0 1px rgba(11,138,143,.08);
}
.service-icon svg { width: 45px; height: 45px; display: block; }
.icon-card-copy { min-width: 0; display: grid; align-content: start; gap: .55rem; }
.icon-card h3 {
  font-family: 'DM Sans', system-ui, sans-serif;
  font-size: clamp(1.08rem, 1.35vw, 1.32rem);
  line-height: 1.18;
  letter-spacing: -0.025em;
  overflow-wrap: anywhere;
}
.icon-card p {
  font-size: .98rem;
  line-height: 1.52;
  color: #263953;
}
.icon-card .card-link {
  margin-top: .25rem;
  color: var(--navy);
  font-weight: 800;
  display: inline-flex;
  width: fit-content;
}
.icon-card .card-link:hover { color: var(--teal); }
.icon-card h3::after { margin: .5rem 0 0; }
.trust-item { min-width: 0; line-height: 1.25; }
.hero-copy h1 { max-width: 680px; }

/* Homepage campaign CTA pulse */
.cta-pulse {
  animation: ctaPulse 2.2s ease-in-out infinite;
  will-change: transform, opacity;
}
@keyframes ctaPulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.03); opacity: 0.92; }
}
@media (prefers-reduced-motion: reduce) {
  .cta-pulse { animation: none; }
}
.campaign-list { margin-top: .5rem; }
@media (min-width: 1180px) {
  .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .icon-card { grid-template-columns: 72px minmax(0, 1fr); }
  .service-icon { width: 72px; height: 72px; }
  .service-icon svg { width: 42px; height: 42px; }
}
@media (max-width: 1080px) {
  .logo { min-width: auto; }
  .logo-text strong { font-size: 1.35rem; }
  .logo-text small { letter-spacing: .14em; }
}
@media (max-width: 920px) {
  .grid-3 { grid-template-columns: 1fr; }
  .icon-card { min-height: auto; }
}
@media (max-width: 560px) {
  .icon-card { grid-template-columns: 60px minmax(0,1fr); gap: .9rem; padding: 1rem; }
  .service-icon { width: 60px; height: 60px; }
  .service-icon svg { width: 36px; height: 36px; }
  .icon-card h3 { font-size: 1.05rem; }
  .icon-card p { font-size: .94rem; }
}


/* Real family hero image + simplified nav polish */
.hero-photo,
.hero-panel {
  background-image:
    linear-gradient(90deg, rgba(255,255,255,.98) 0%, rgba(255,255,255,.72) 22%, rgba(255,255,255,.05) 50%),
    url('/hero-family.png');
  background-size: cover;
  background-position: center right;
  min-height: 430px;
}
.hero-photo::before,
.hero-panel::before,
.hero-photo::after,
.hero-panel::after { display: none; }
.nav-links { max-width: 430px; }
.nav-links a { font-size: .96rem; }
@media (max-width: 920px) {
  .hero-photo,
  .hero-panel {
    min-height: 320px;
    background-image:
      linear-gradient(180deg, rgba(255,255,255,.08), rgba(255,255,255,.08)),
      url('/hero-family.png');
    background-position: center;
  }
}


/* Adaptive overlapping hero polish */
@media (min-width: 921px) {
  .hero-grid {
    position: relative;
    grid-template-columns: minmax(430px, 48%) minmax(0, 52%);
    align-items: stretch;
    min-height: 445px;
  }
  .hero-copy {
    z-index: 2;
    max-width: 690px;
    align-self: center;
    padding: clamp(3.2rem, 5vw, 4.7rem) clamp(1rem, 3vw, 2.5rem) clamp(3rem, 5vw, 4.2rem) 0;
  }
  .hero-copy::before {
    content: '';
    position: absolute;
    z-index: -1;
    inset: 1.1rem -4.5rem 1.1rem -2rem;
    background: linear-gradient(90deg, rgba(255,255,255,.98) 0%, rgba(255,255,255,.94) 66%, rgba(255,255,255,0) 100%);
    border-radius: 0 44px 44px 0;
    pointer-events: none;
  }
  .hero-copy h1 {
    font-size: clamp(2.7rem, 4.8vw, 4.55rem);
    line-height: .98;
    max-width: 650px;
    text-wrap: balance;
  }
  .hero-copy .lead {
    font-size: clamp(1.04rem, 1.35vw, 1.22rem);
    max-width: 575px;
  }
  .hero-photo,
  .hero-panel {
    margin-left: -3.5rem;
    min-height: 445px;
    background-position: center right;
  }
}
@media (min-width: 1280px) {
  .hero-grid { grid-template-columns: minmax(460px, 46%) minmax(0, 54%); }
  .hero-copy h1 { font-size: clamp(3rem, 4.2vw, 4.9rem); }
  .hero-photo, .hero-panel { margin-left: -4.25rem; }
}
@media (max-width: 920px) {
  .hero-copy h1 {
    font-size: clamp(2.45rem, 11vw, 4rem);
    line-height: 1;
    text-wrap: balance;
  }
  .hero-copy {
    padding: 3rem 0 2.2rem;
  }
}


/* Above-fold compactness polish */
.site-header .nav { height: 74px; }
.logo-shield { width: 46px; height: 53px; font-size: 1.32rem; }
.logo-text strong { font-size: clamp(1.18rem, 1.8vw, 1.7rem); }
.logo-text small { font-size: .55rem; margin-top: .28rem; }
.nav-links a { padding: 1.55rem .1rem 1.22rem; }
.btn { min-height: 44px; padding: .72rem 1rem; }

@media (min-width: 921px) {
  .hero-grid {
    min-height: clamp(350px, calc(100vh - 150px), 475px);
  }
  .hero-copy {
    gap: 1rem;
    padding-top: clamp(2rem, 3.5vw, 3.1rem);
    padding-bottom: clamp(1.8rem, 3vw, 2.8rem);
  }
  .hero-copy h1 {
    font-size: clamp(2.35rem, 3.85vw, 4.05rem);
    max-width: 590px;
  }
  .hero-copy .lead {
    font-size: clamp(1rem, 1.15vw, 1.12rem);
    line-height: 1.45;
    max-width: 530px;
  }
  .hero-photo,
  .hero-panel {
    min-height: clamp(350px, calc(100vh - 150px), 475px);
  }
  .eyebrow { margin-bottom: .45rem; font-size: .76rem; }
  .trust-strip {
    padding-top: .68rem;
    padding-bottom: .68rem;
    gap: .35rem;
  }
  .trust-item {
    padding: .45rem .75rem;
    font-size: .9rem;
  }
  .trust-item::before { font-size: 1.35rem; }
}

@media (max-width: 920px) {
  .site-header .nav { height: 66px; }
  .hero-copy { gap: .9rem; padding: 2rem 0 1.4rem; }
  .hero-copy h1 { font-size: clamp(2.1rem, 9vw, 3.4rem); }
  .hero-copy .lead { font-size: 1rem; line-height: 1.45; }
  .hero-photo, .hero-panel { min-height: 240px; }
  .trust-strip { padding-top: .65rem; padding-bottom: .65rem; }
}

@media (max-width: 560px) {
  .site-header .nav { height: 62px; }
  .hero-copy { padding: 1.55rem 0 1.15rem; }
  .hero-copy h1 { font-size: clamp(1.95rem, 10vw, 2.75rem); }
  .btn-row { gap: .55rem; }
  .btn { min-height: 42px; padding: .66rem .85rem; }
  .hero-photo, .hero-panel { min-height: 210px; }
  .trust-item { font-size: .92rem; padding: .5rem .65rem; }
}


/* Quick cards under trust divider */
.quick-card-wrap {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: .85rem;
  margin-top: -1px;
  padding-top: .85rem;
  padding-bottom: 1rem;
  background: #fff;
}
.quick-card {
  min-height: 92px;
  display: grid;
  grid-template-columns: 24px minmax(0,1fr) 24px;
  align-items: center;
  gap: .55rem;
  padding: .95rem .75rem;
  border: 1px solid rgba(6, 23, 56, .12);
  border-radius: 14px;
  background: linear-gradient(180deg, #fff, #fbfdfe);
  box-shadow: 0 8px 26px rgba(6, 23, 56, .08);
  color: var(--ink);
}
.quick-card:hover {
  color: var(--ink);
  border-color: rgba(11,138,143,.34);
  transform: translateY(-2px);
}
.quick-card strong {
  display: block;
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(1rem, 1.25vw, 1.22rem);
  line-height: 1.1;
  color: var(--ink);
}
.quick-card small {
  display: block;
  margin-top: .35rem;
  color: var(--slate);
  font-size: .82rem;
  line-height: 1.25;
}
.quick-arrow {
  width: 24px;
  height: 24px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: var(--teal-light);
  color: var(--teal);
  font-weight: 900;
  line-height: 1;
}
@media (max-width: 1050px) {
  .quick-card-wrap { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
  .quick-card-wrap { grid-template-columns: 1fr; gap: .6rem; padding-top: .65rem; }
  .quick-card { min-height: 76px; padding: .75rem .65rem; }
}


/* One-screen hero composition */
@media (min-width: 921px) {
  .site-header .nav { height: 68px; }
  .logo-shield { width: 40px; height: 46px; font-size: 1.15rem; }
  .logo-text strong { font-size: 1.32rem; }
  .logo-text small { font-size: .5rem; letter-spacing: .16em; }
  .btn { min-height: 38px; padding: .55rem .9rem; font-size: .9rem; }

  .hero {
    min-height: calc(100vh - 68px);
    max-height: calc(100vh - 68px);
    display: flex;
    flex-direction: column;
    overflow: hidden;
  }
  .hero-grid {
    flex: 1 1 auto;
    min-height: 0;
    grid-template-columns: minmax(390px, 45%) minmax(0, 55%);
    align-items: stretch;
  }
  .hero-copy {
    gap: .72rem;
    padding-top: clamp(1.2rem, 2.2vw, 2.1rem);
    padding-bottom: clamp(1rem, 1.8vw, 1.7rem);
  }
  .hero-copy::before {
    inset: .5rem -4rem .5rem -2rem;
  }
  .hero-copy h1 {
    font-size: clamp(2.05rem, 3.35vw, 3.45rem);
    line-height: .98;
    max-width: 520px;
  }
  .hero-copy .lead {
    font-size: clamp(.91rem, 1vw, 1.02rem);
    line-height: 1.38;
    max-width: 500px;
  }
  .hero-copy .eyebrow { font-size: .68rem; margin-bottom: .15rem; }
  .hero-copy .btn-row { gap: .55rem; margin-top: .1rem; }
  .hero-photo,
  .hero-panel {
    min-height: 0;
    height: 100%;
    margin-left: -2.6rem;
    background-position: center right;
  }

  .trust-strip {
    flex: 0 0 auto;
    min-height: 42px;
    padding-top: .42rem;
    padding-bottom: .42rem;
    align-items: center;
  }
  .trust-item {
    padding: .25rem .65rem;
    font-size: .82rem;
  }
  .trust-item::before { font-size: 1.05rem; }

  .quick-card-wrap {
    flex: 0 0 auto;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: .55rem;
    padding-top: .5rem;
    padding-bottom: .55rem;
  }
  .quick-card {
    min-height: 58px;
    grid-template-columns: 18px minmax(0,1fr) 18px;
    gap: .35rem;
    padding: .48rem .55rem;
    border-radius: 10px;
  }
  .quick-card strong {
    font-family: 'DM Sans', system-ui, sans-serif;
    font-size: .94rem;
    line-height: 1.05;
  }
  .quick-card small {
    margin-top: .15rem;
    font-size: .7rem;
    line-height: 1.15;
    display: -webkit-box;
    -webkit-line-clamp: 1;
    -webkit-box-orient: vertical;
    overflow: hidden;
  }
  .quick-arrow {
    width: 18px;
    height: 18px;
    font-size: .85rem;
  }
}

@media (min-width: 921px) and (max-height: 760px) {
  .hero-copy h1 { font-size: clamp(1.85rem, 3vw, 3.05rem); }
  .hero-copy .lead { font-size: .88rem; line-height: 1.32; }
  .hero-copy { gap: .5rem; }
  .quick-card { min-height: 50px; }
  .quick-card small { display: none; }
  .trust-strip { min-height: 36px; }
}

@media (max-width: 920px) {
  .quick-card-wrap {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: .5rem;
    padding-top: .55rem;
    padding-bottom: .7rem;
  }
  .quick-card {
    min-height: 64px;
    padding: .55rem;
  }
  .quick-card small { display: none; }
}


/* First screen viewport audit fixes */
@media (min-width: 921px) {
  .hero {
    min-height: auto;
    max-height: none;
    display: block;
    overflow: visible;
  }
  .hero-grid.container {
    width: min(1180px, calc(100% - 2rem));
    margin-inline: auto;
  }
  .hero-grid {
    height: clamp(390px, 58vh, 455px);
    min-height: 390px;
    max-height: 455px;
    grid-template-columns: minmax(420px, 46%) minmax(0, 54%);
  }
  .hero-copy {
    align-self: start;
    padding-top: clamp(2.2rem, 4.5vh, 3.2rem);
    padding-bottom: 1rem;
    padding-left: 0;
  }
  .hero-copy::before {
    inset: .35rem -4.2rem .35rem -1rem;
  }
  .hero-copy h1 {
    font-size: clamp(2.15rem, 3.55vw, 3.65rem);
    max-width: 560px;
  }
  .hero-copy .lead {
    max-width: 520px;
  }
  .hero-photo,
  .hero-panel {
    height: 100%;
    min-height: 390px;
    max-height: 455px;
    margin-left: -2.2rem;
    background-position: center right;
  }
  .trust-strip.container,
  .quick-card-wrap.container {
    width: min(1180px, calc(100% - 2rem));
    margin-inline: auto;
  }
  .trust-strip {
    min-height: 38px;
    padding-top: .35rem;
    padding-bottom: .35rem;
  }
  .quick-card-wrap {
    padding-top: .45rem;
    padding-bottom: .55rem;
  }
  .quick-card {
    min-height: 54px;
  }
}

@media (min-width: 921px) and (max-height: 760px) {
  .hero-grid { height: 385px; min-height: 385px; }
  .hero-photo, .hero-panel { min-height: 385px; }
  .hero-copy { padding-top: 1.8rem; }
  .hero-copy h1 { font-size: clamp(2rem, 3.25vw, 3.25rem); }
  .hero-copy .lead { font-size: .9rem; }
  .quick-card { min-height: 48px; }
}


/* Viewport coverage cleanup */
html, body { overflow-x: hidden; }
#who-we-help { padding-top: clamp(1.5rem, 3vw, 2.4rem); }
@media (min-width: 921px) {
  .hero-grid.container,
  .trust-strip.container,
  .quick-card-wrap.container {
    width: min(1120px, calc(100% - 2rem));
  }
  .hero-photo,
  .hero-panel {
    margin-left: -1.35rem;
  }
  .quick-card-wrap {
    padding-bottom: .35rem;
  }
  #who-we-help {
    padding-bottom: clamp(3rem, 5vw, 4.5rem);
  }
}


/* First-screen quick cards after removing services/education */
.quick-card-wrap {
  grid-template-columns: repeat(2, minmax(220px, 1fr));
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}
@media (min-width: 921px) {
  .quick-card-wrap {
    grid-template-columns: repeat(2, minmax(240px, 1fr));
    padding-top: .55rem;
    padding-bottom: .55rem;
  }
  .quick-card { min-height: 52px; }
}
@media (max-width: 560px) {
  .quick-card-wrap { grid-template-columns: 1fr; max-width: none; }
}


/* Page-level viewport sizing audit */
.page-hero {
  padding: clamp(2rem, 4.5vw, 3.8rem) 0 clamp(1.6rem, 3.6vw, 3rem);
}
.page-hero h1 {
  font-size: clamp(2.35rem, 5.2vw, 4.7rem);
  max-width: 980px;
  text-wrap: balance;
}
.page-hero .lead {
  font-size: clamp(1rem, 1.6vw, 1.22rem);
  line-height: 1.45;
}
.page-hero + .section,
.hero + .section {
  padding-top: clamp(1.5rem, 3vw, 2.5rem);
}
@media (min-width: 921px) {
  .page-hero {
    min-height: auto;
  }
  .page-hero h1 {
    font-size: clamp(2.7rem, 5.4vw, 5.1rem);
    line-height: .98;
  }
  .page-hero .container > .lead,
  .page-hero .lead {
    max-width: 760px;
  }
  .services-page-grid,
  .page-hero + .section .grid-3 {
    margin-top: 0;
  }
}
@media (max-width: 560px) {
  .page-hero h1 { font-size: clamp(2rem, 10vw, 3rem); }
  .page-hero { padding-top: 1.6rem; }
}


/* Trust highlights moved onto image */
.hero-proof-card {
  position: absolute;
  right: 1.1rem;
  bottom: 1rem;
  z-index: 2;
  width: min(330px, calc(100% - 2rem));
  padding: .8rem .9rem;
  border-radius: 16px;
  background: rgba(0, 29, 66, .92);
  color: #fff;
  box-shadow: 0 18px 40px rgba(0, 24, 55, .22);
  backdrop-filter: blur(10px);
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: .55rem .75rem;
}
.hero-proof-card div {
  color: #fff;
  font-size: .78rem;
  line-height: 1.15;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: .4rem;
}
.hero-proof-card div::before {
  content: '◇';
  color: #5fd2d1;
  font-size: .92rem;
  line-height: 1;
}
@media (min-width: 921px) {
  .quick-card-wrap { margin-top: .35rem; }
}

/* Pull Who We Help into the first view more clearly */
@media (min-width: 921px) {
  .hero-grid {
    height: auto;
    min-height: 380px;
    max-height: none;
  }
  .hero-photo,
  .hero-panel {
    min-height: 380px;
    max-height: none;
  }
  .hero-copy {
    padding-top: clamp(1.2rem, 3vh, 2.2rem);
    padding-bottom: 1.35rem;
  }
  .quick-card-wrap {
    padding-top: .35rem;
    padding-bottom: .35rem;
  }
  .quick-card {
    min-height: 46px;
  }
  #who-we-help {
    padding-top: clamp(.75rem, 1.6vw, 1.25rem);
  }
}
@media (max-width: 920px) {
  .hero-proof-card {
    position: static;
    align-self: end;
    margin: auto 1rem 1rem auto;
  }
}
@media (max-width: 560px) {
  .hero-proof-card { grid-template-columns: 1fr; width: calc(100% - 1.5rem); margin: auto .75rem .75rem; }
}

/* Booking calendar page */
.booking-hero {
  padding-top: clamp(1.25rem, 3vw, 2rem);
  padding-bottom: clamp(1rem, 2vw, 1.5rem);
}
.booking-title {
  font-size: clamp(1.2rem, 4.6vw, 3.2rem);
  max-width: none;
  white-space: nowrap;
}
.booking-process {
  padding-top: clamp(1rem, 2vw, 1.5rem);
  padding-bottom: clamp(1.25rem, 3vw, 2rem);
}
.booking-section {
  padding: 0;
}
.booking-grid {
  display: grid;
  grid-template-columns: minmax(0, .78fr) minmax(360px, 1.22fr);
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: start;
}
.booking-panel {
  padding: 0;
  overflow: hidden;
}
.booking-embed {
  display: block;
  width: 100%;
  min-height: 720px;
  border: 0;
  background: #fff;
}
.booking-fallback {
  display: grid;
  gap: 1rem;
  padding: clamp(1.25rem, 3vw, 2rem);
}
.booking-fields .card {
  min-height: 145px;
}
@media (max-width: 920px) {
  .booking-grid {
    grid-template-columns: 1fr;
  }
  .booking-embed {
    min-height: 650px;
  }
}

/* Place the What we do marker directly under the hero CTA */
.hero-next-eyebrow {
  margin-top: .35rem;
  margin-bottom: 0;
}

/* What we do block below the hero image */
.what-we-do-block {
  position: relative;
  z-index: 3;
  clear: both;
  background: #fff;
  margin-top: clamp(1.6rem, 3vw, 2.4rem);
  padding-top: clamp(1.25rem, 2.5vw, 2rem);
  padding-bottom: clamp(2rem, 4vw, 3.25rem);
}
.section-heading {
  max-width: 760px;
  margin-bottom: clamp(.9rem, 2vw, 1.25rem);
}
.what-we-do-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(160px, 1fr));
  gap: .75rem;
  margin-top: 0;
  overflow-x: auto;
  padding-bottom: .25rem;
}
.what-we-do-card {
  min-width: 160px;
  padding: clamp(.75rem, 1vw, .95rem);
}
.what-we-do-card h3 {
  font-size: clamp(.82rem, .82vw, .96rem);
  line-height: 1.12;
}
.what-we-do-card p {
  margin-top: .5rem;
  font-size: clamp(.74rem, .78vw, .84rem);
  line-height: 1.3;
}
@media (min-width: 921px) {
  .hero-grid {
    align-items: stretch;
  }
  .what-we-do-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
    overflow-x: visible;
  }
}

/* Small campaign banner between hero CTA and What we do */
.insurance-campaign-banner {
  padding: .85rem 0 1rem;
}
.insurance-campaign-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: .4rem;
  align-items: start;
  justify-items: start;
  text-align: left;
  background: linear-gradient(120deg, #082651 0%, #0f3f7a 55%, #0a7e84 100%);
  color: #fff;
  border-radius: 18px;
  padding: 1.1rem 1.2rem;
  border: 1px solid rgba(255,255,255,.20);
  box-shadow: 0 12px 30px rgba(2, 32, 76, .24);
}
.campaign-title-stack {
  display: grid;
  gap: .2rem;
  justify-items: start;
}
.campaign-kicker {
  margin: 0;
  justify-self: start;
  display: inline-flex;
  white-space: nowrap;
  width: fit-content;
  font-size: .72rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .13em;
  color: #062544;
  background: linear-gradient(180deg, #ffd56a, #ffc447);
  border-radius: 999px;
  padding: .25rem .62rem;
}
.insurance-campaign-inner h2 {
  margin: 0;
  color: #fff;
  font-size: clamp(1.25rem, 2vw, 1.7rem);
  line-height: 1.15;
}
.campaign-subheader {
  margin: .35rem 0 0;
  color: rgba(255,255,255,.92);
  font-size: .97rem;
  line-height: 1.45;
}
.campaign-list {
  margin: .25rem 0 .35rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: .35rem;
}
.campaign-list li {
  color: rgba(255,255,255,.95);
}
.campaign-cta-wrap {
  width: 100%;
  max-width: 460px;
  display: grid;
  gap: .5rem;
}
.insurance-campaign-inner a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 48px;
  padding: .68rem 1rem;
  border-radius: 999px;
  background: linear-gradient(180deg, #ffc447, #f0a914);
  color: #07172b;
  font-weight: 800;
  text-align: center;
  box-shadow: 0 6px 16px rgba(255, 191, 50, .35);
  transition: transform .18s ease, box-shadow .18s ease;
}
.insurance-campaign-inner a:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 20px rgba(255, 191, 50, .45);
}
@media (max-width: 560px) {
  .campaign-kicker { white-space: normal; }
}

/* Mobile header fixes: keep CTA in range + real working menu drawer */
.header-book-btn { white-space: nowrap; }
.mobile-menu-wrap { display: none; position: relative; }
.mobile-menu-wrap > summary { list-style: none; }
.mobile-menu-wrap > summary::-webkit-details-marker { display: none; }
.mobile-drawer {
  position: absolute;
  right: 0;
  top: calc(100% + .55rem);
  width: min(86vw, 320px);
  background: #ffffff;
  border: 1px solid rgba(7, 23, 43, .14);
  border-radius: 16px;
  box-shadow: 0 20px 48px rgba(0, 0, 0, .16);
  padding: .55rem;
  display: grid;
  gap: .3rem;
  z-index: 80;
}
.mobile-drawer a {
  display: block;
  padding: .65rem .75rem;
  border-radius: 10px;
  color: var(--navy);
  font-weight: 700;
}
.mobile-drawer a:hover,
.mobile-drawer a.active { background: #eef5ff; color: var(--blue); }
@media (max-width: 920px) {
  .nav-actions { gap: .45rem; margin-left: auto; }
  .nav-actions .btn { min-height: 40px; padding: .58rem .78rem; font-size: .85rem; }
  .header-book-btn { max-width: 58vw; overflow: hidden; text-overflow: ellipsis; }
  .mobile-menu-wrap { display: inline-block; }
  .mobile-menu { display: inline-flex; }
}

@media (max-width: 560px) {
  .site-header .btn { width: auto; }
  .nav-actions .btn { padding: .52rem .66rem; font-size: .8rem; }
  .header-book-btn { max-width: 52vw; }
  .logo-text small { display: none; }
}


/* Lead magnets: resources page, teaser cards, exit-intent popup */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.lead-magnet-card { display: grid; align-content: start; gap: .25rem; }
.lead-form { display: grid; gap: .65rem; margin-top: 1.1rem; }
.lead-form input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: .85rem 1rem;
  background: white;
}
.lead-form-note { color: var(--slate); margin-top: .25rem; }
.resource-teaser { background: var(--paper); }
.resource-teaser-card { display: grid; align-content: start; }
.resource-teaser-card:hover { color: inherit; }
.exit-popup-overlay {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: rgba(6, 23, 56, .55);
  display: grid;
  place-items: center;
  padding: 1.25rem;
}
.exit-popup-overlay[hidden] { display: none; }
.exit-popup { position: relative; width: min(460px, 100%); max-height: 90vh; overflow-y: auto; }
.exit-popup-close {
  position: absolute;
  top: .75rem;
  right: .9rem;
  width: 34px;
  height: 34px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: white;
  font-size: 1.3rem;
  line-height: 1;
  display: grid;
  place-items: center;
  cursor: pointer;
  color: var(--ink);
}
.exit-popup-close:hover { border-color: var(--blue); color: var(--blue); }
.exit-popup .lead-form { margin-top: 1rem; }
@media (max-width: 560px) {
  .exit-popup { border-radius: 22px; }
}
@media (max-width: 560px) {
  .exit-popup { border-radius: 22px; }
}

/* Advisor photo card on homepage About section */
.advisor-card { display: grid; }
.advisor-photo {
  width: 132px;
  height: 132px;
  border-radius: 999px;
  object-fit: cover;
  object-position: top center;
  box-shadow: var(--shadow);
  border: 3px solid white;
  margin-bottom: .9rem;
}
.advisor-credentials { color: var(--gold); font-weight: 800; margin-top: .15rem; }
@media (max-width: 560px) {
  .advisor-photo { width: 108px; height: 108px; }
}