/* Prevent Insurance Agency — design system (Brand Blueprint v1.0) */
:root{
  --navy:#0A1F44;        /* Prevent Navy — official brand #0A1F44 */
  --navy-700:#13294f;
  --navy-900:#06142f;
  --steel:#8A8F98;       /* Steel Gray — official brand */
  --silver-1:#c3c7cd;
  --silver-2:#8A8F98;
  --gold:#FDB913;        /* Prevent Gold — prevention, awareness */
  --gold-2:#FFC400;
  --tech:#00C8FF;        /* Technology accent — app/AI only */
  --ink:#0c1730;
  --slate:#586176;
  --bg:#fbfbfc;
  --panel:#f3f6fb;
  --line:#e3e8f0;
  --white:#fff;
  --maxw:1180px;
  --r:14px;
  --shadow:0 1px 2px rgba(10,31,68,.06),0 12px 32px -16px rgba(10,31,68,.26);
  --shadow-sm:0 1px 2px rgba(10,31,68,.07),0 6px 16px -10px rgba(10,31,68,.22);
  --font:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --head:"Montserrat","Inter",sans-serif;
  --serif:"Montserrat","Inter",sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);
  font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{margin:0;line-height:1.1;font-weight:800;letter-spacing:-.01em;font-family:var(--head)}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{
  font-family:var(--mono);font-size:12.5px;font-weight:500;letter-spacing:.16em;
  text-transform:uppercase;color:var(--steel);
}
.serif{font-family:var(--serif);font-style:italic;font-weight:600}
.btn{
  display:inline-flex;align-items:center;gap:9px;font-family:var(--font);
  font-weight:700;font-size:15.5px;padding:13px 22px;border-radius:10px;
  border:1px solid transparent;cursor:pointer;transition:.18s ease;white-space:nowrap;
}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-900);transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--steel);color:var(--navy-900)}
.btn-light{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.28)}
.btn-light:hover{background:rgba(255,255,255,.2)}
.btn-arrow svg{transition:transform .18s ease}
.btn:hover .btn-arrow svg{transform:translateX(3px)}

/* logo */
.logo{display:flex;align-items:center;gap:11px;flex-shrink:0}
.logo-img{height:46px;width:auto;display:block}
.logo-mark{height:42px;width:auto;display:block;flex-shrink:0}
.logo-txt{display:flex;flex-direction:column;line-height:1}
.logo-txt b{font-family:var(--head);font-size:19px;font-weight:800;letter-spacing:.1em;color:var(--navy);transform:skewX(-5deg);transform-origin:left}
.logo-txt span{font-size:9px;font-weight:500;letter-spacing:.28em;color:var(--steel);margin-top:4px}
.on-dark .logo-txt b{color:#fff}
.on-dark .logo-txt span{color:#aeb9cd}

/* top utility bar (language + phone) — scrolls away; the header below stays sticky */
.topbar{background:var(--navy)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:40px}
.topbar-phone{font-size:12.5px;font-weight:600;letter-spacing:.02em;color:#c9d3e4;transition:.15s;white-space:nowrap}
.topbar-phone:hover{color:#fff}
.topbar .lang-switch{border-color:rgba(255,255,255,.28)}
@media(max-width:640px){
  .topbar-phone .hours{display:none}
}

/* first-visit language chooser */
.lang-modal{position:fixed;inset:0;z-index:120;display:flex;align-items:center;justify-content:center;padding:24px}
.lang-modal-bg{position:absolute;inset:0;background:rgba(20,30,52,.55);backdrop-filter:blur(3px)}
.lang-modal-card{position:relative;background:#fff;border-radius:18px;box-shadow:var(--shadow);
  padding:36px 30px 30px;text-align:center;max-width:400px;width:100%}
.lang-modal-card img{display:block;margin:0 auto 12px}
.lang-modal-card h3{font-family:var(--head);font-size:19px;color:var(--navy);letter-spacing:.01em}
.lang-modal-card p{font-size:13.5px;color:var(--slate);margin-top:8px;line-height:1.5}
.lang-modal-opts{display:grid;gap:10px;margin-top:22px}
.lang-modal-opts button{appearance:none;background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:13px;font-family:var(--font);font-size:15.5px;font-weight:700;color:var(--navy);cursor:pointer;transition:.15s}
.lang-modal-opts button:hover{border-color:var(--navy);background:var(--panel)}
.lang-modal-opts button.sug{border-color:var(--navy);box-shadow:0 0 0 2px rgba(10,31,68,.14)}
.lang-modal-x{position:absolute;top:10px;right:10px;background:none;border:0;cursor:pointer;
  color:var(--slate);padding:8px;line-height:0;border-radius:8px}
.lang-modal-x:hover{color:var(--navy);background:var(--panel)}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(251,251,252,.85);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
header .wrap{max-width:1340px}   /* header row may run wider than the content column */
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;height:74px}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{font-size:14.5px;font-weight:600;color:var(--slate);transition:.15s;white-space:nowrap}
.nav-links a:hover{color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:14px}
.lang-switch{display:inline-flex;border:1px solid var(--line);border-radius:9px;overflow:hidden;background:#fff}
.lang-switch button{appearance:none;border:0;background:none;cursor:pointer;font-family:var(--font);
  font-size:12.5px;font-weight:700;letter-spacing:.04em;color:var(--slate);padding:7px 10px;
  transition:.15s;border-right:1px solid var(--line)}
.lang-switch button:last-child{border-right:0}
.lang-switch button:hover{color:var(--navy);background:var(--panel)}
.lang-switch button.on{background:var(--navy);color:#fff}
.menu-btn{display:none;background:none;border:0;cursor:pointer}

/* hero */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(1100px 520px at 78% -8%,rgba(10,31,68,.1),transparent 60%),var(--bg)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
  padding:78px 0 88px}
.hero h1{font-size:clamp(38px,5vw,62px);letter-spacing:-.025em}
.hero .lead{font-size:19px;color:var(--slate);margin-top:22px;max-width:30em}
.hero .tagline{font-family:var(--head);font-style:italic;font-weight:600;font-size:21px;color:var(--navy);
  margin-top:20px;border-left:4px solid var(--gold);padding-left:16px}
.hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}
.trust-row{display:flex;gap:26px;margin-top:38px;flex-wrap:wrap}
.trust-row .stat b{font-size:26px;font-weight:800;color:var(--navy);display:block}
.trust-row .stat span{font-size:13px;color:var(--slate)}

/* shield art panel */
.hero-art{position:relative;aspect-ratio:1/.86;border-radius:20px;
  background:linear-gradient(160deg,#fff,#eef3fb);
  border:1px solid var(--line);
  box-shadow:var(--shadow);display:flex;align-items:center;justify-content:center;
  overflow:hidden;padding:52px}
.hero-art::before{content:"";position:absolute;inset:0;
  background:radial-gradient(440px 440px at 78% 14%,rgba(10,31,68,.08),transparent 62%)}
.hero-logo{width:88%;max-width:460px;height:auto;position:relative;z-index:1}
.hero-art .quote{position:absolute;left:30px;right:30px;bottom:26px;z-index:2;
  font-family:var(--head);font-style:italic;font-weight:500;color:var(--slate);font-size:15.5px;line-height:1.45}

/* generic section */
section{padding:84px 0}
.sec-head{max-width:640px;margin-bottom:46px}
.sec-head h2{font-size:clamp(28px,3.4vw,40px);margin-top:14px}
.sec-head p{color:var(--slate);margin-top:16px;font-size:18px}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* coverage cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;
  box-shadow:var(--shadow-sm);transition:.2s;cursor:pointer}
.card:hover{transform:translateY(-3px);border-color:var(--silver-1);box-shadow:var(--shadow)}
.card .ic{width:46px;height:46px;border-radius:11px;background:var(--panel);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--navy)}
.card h3{font-size:20px;margin-bottom:9px}
.card p{color:var(--slate);font-size:15.5px}
.card .more{font-family:var(--mono);font-size:12px;letter-spacing:.08em;color:var(--steel);
  margin-top:16px;text-transform:uppercase;display:flex;align-items:center;gap:6px}
/* specialty cards navigate to their own page; keyboard focus must be visible */
.card-link:focus-visible{outline:2px solid var(--navy);outline-offset:3px}

/* personal lines — the SUPPORTING block under the business/specialty grid.
   Deliberately lighter than .card so the hierarchy reads business-first. */
.pl-block{margin-top:56px;padding-top:38px;border-top:1px solid var(--line)}
.pl-head{max-width:720px}
.pl-head h3{font-size:clamp(20px,2.4vw,25px);color:var(--navy);margin-top:12px;letter-spacing:-.01em}
.pl-head .pl-sub{color:var(--slate);font-size:16px;margin-top:11px;line-height:1.55}
.pl-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}
.pl-item{display:flex;flex-direction:column;align-items:flex-start;gap:4px;text-align:left;
  background:var(--panel);border:1px solid var(--line);border-radius:13px;padding:18px 18px 16px;
  font:inherit;cursor:pointer;transition:.18s}
.pl-item:hover{background:#fff;border-color:var(--silver-1);box-shadow:var(--shadow-sm)}
.pl-item:focus-visible{outline:2px solid var(--navy);outline-offset:2px}
.pl-item .pl-ic{color:var(--navy);margin-bottom:6px}
.pl-item b{font-size:16px;color:var(--navy)}
.pl-item .pl-d{color:var(--slate);font-size:14px;line-height:1.5}
.bundle-note{text-align:center;color:var(--slate);font-size:12.8px;margin-top:18px;line-height:1.55}

/* prevention band */
.band{background:var(--navy);color:#fff;border-radius:0}
.band .sec-head h2{color:#fff}
.band .sec-head p{color:#c2cad9}
.band .eyebrow{color:#8ea0c0}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:10px}
.step .n{font-family:var(--mono);font-size:13px;color:var(--gold);letter-spacing:.1em}
.step h3{font-size:20px;margin:14px 0 10px;color:#fff}
.step p{color:#bcc6d8;font-size:15.5px}
.step .line{height:1px;background:rgba(255,255,255,.16);margin-bottom:20px}
.step:hover .line{background:var(--gold)}

/* placeholder image slot */
.ph{background:
  repeating-linear-gradient(45deg,#eef1f5 0 12px,#e7ebf1 12px 24px);
  border:1px solid var(--line);border-radius:var(--r);display:flex;align-items:center;
  justify-content:center;color:var(--steel);font-family:var(--mono);font-size:12px;
  letter-spacing:.06em;text-align:center;padding:18px;min-height:100%}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split .ph{min-height:0}
.split ul{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:14px}
.split li{display:flex;gap:12px;color:var(--slate);font-size:16px}
.split li svg{flex:none;margin-top:3px;color:var(--gold)}

/* partners */
.partners{background:var(--panel)}
.logos{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:8px}
.logos .lo{background:#fff;border:1px solid var(--line);border-radius:10px;height:74px;
  display:flex;align-items:center;justify-content:center;color:var(--steel);
  font-weight:700;letter-spacing:.04em;font-size:15px}

/* testimonial */
.quote-big{max-width:840px;margin:0 auto;text-align:center}
.quote-big p{font-family:var(--head);font-style:italic;font-weight:600;font-size:clamp(24px,3.2vw,33px);
  color:var(--navy);line-height:1.34}
.quote-big .who{font-family:var(--font);font-style:normal;font-size:15px;color:var(--slate);
  margin-top:24px;font-weight:600}

/* faq */
.faq-list{max-width:820px;margin:0 auto;border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;background:none;border:0;text-align:left;cursor:pointer;
  padding:24px 4px;display:flex;justify-content:space-between;gap:20px;align-items:center;
  font-family:var(--font);font-size:18px;font-weight:700;color:var(--ink)}
.faq-q .pm{flex:none;color:var(--steel);transition:.2s}
.faq-item.open .pm{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .26s ease}
.faq-a p{padding:0 4px 24px;color:var(--slate);max-width:64ch}

/* cta band */
.cta-final{background:linear-gradient(160deg,var(--navy),var(--navy-900));color:#fff;
  text-align:center;border-radius:24px;padding:64px 32px;box-shadow:var(--shadow)}
.cta-final h2{font-size:clamp(28px,3.6vw,42px);max-width:16ch;margin:14px auto 0}
.cta-final p{color:#c2cad9;margin:18px auto 0;max-width:46ch}
.cta-final .hero-actions{justify-content:center}

/* footer */
footer{background:var(--navy-900);color:#aeb9cd;padding:64px 0 36px}
.foot-logo{background:#fff;border-radius:12px;padding:14px 20px;display:inline-block;margin-bottom:4px}
.foot-logo img{height:38px;width:auto;display:block}.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.foot-grid h4{color:#fff;font-size:13px;letter-spacing:.1em;text-transform:uppercase;
  font-family:var(--mono);font-weight:500;margin-bottom:18px}
.foot-grid a{display:block;color:#aeb9cd;font-size:14.5px;padding:6px 0;transition:.15s}
.foot-grid a:hover{color:#fff}
.foot-grid p{font-size:14.5px;color:#9aa6bc;margin-top:14px;max-width:30ch}
.foot-bot{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.12);
  margin-top:48px;padding-top:24px;font-size:13px;color:#8290a8;flex-wrap:wrap;gap:12px}
.foot-disclaimer{margin-top:18px;font-size:12px;line-height:1.6;color:#6d7c96;max-width:900px}
/* producer license identity — a compliance + E-E-A-T signal, so a touch more
   prominent than the fine-print disclaimer that follows it */
.foot-license{margin-top:16px;font-size:12.5px;line-height:1.6;color:#8290a8;max-width:900px}

/* bundle & save callout (inside #coverage) */
.bundle-callout{margin-top:56px;padding:40px 28px;border:1px solid var(--silver-1);
  border-radius:18px;background:var(--panel);text-align:center}
.bundle-callout .sec-head{margin-bottom:18px}
.bundle-callout .sec-head p{max-width:60ch;margin-left:auto;margin-right:auto}

/* quote modal */
.modal{position:fixed;inset:0;z-index:100;display:none;align-items:center;justify-content:center;padding:24px}
.modal.open{display:flex}
.modal-bg{position:absolute;inset:0;background:rgba(20,30,52,.55);backdrop-filter:blur(3px)}
.modal-card{position:relative;background:#fff;border-radius:18px;width:min(540px,100%);
  box-shadow:var(--shadow);overflow:hidden;max-height:92vh;display:flex;flex-direction:column}
.modal-head{padding:24px 28px;border-bottom:1px solid var(--line);display:flex;
  justify-content:space-between;align-items:center}
.modal-head .eyebrow{margin-bottom:0}
.modal-x{background:none;border:0;cursor:pointer;color:var(--slate);padding:4px}
.modal-body{padding:28px;overflow:auto}
.prog{display:flex;gap:6px;padding:0 28px 0}
.prog i{height:4px;flex:1;border-radius:2px;background:var(--line)}
.prog i.on{background:var(--navy)}
.step-pane{display:none}
.step-pane.active{display:block}
.step-pane h3{font-size:23px;margin-bottom:8px}
.step-pane .sub{color:var(--slate);font-size:15px;margin-bottom:22px}
.opt-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.opt{border:1px solid var(--line);border-radius:12px;padding:18px;cursor:pointer;
  display:flex;flex-direction:column;gap:8px;transition:.15s;background:#fff}
.opt:hover{border-color:var(--steel)}
.opt.sel{border-color:var(--navy);background:#f6f8fc;box-shadow:0 0 0 3px rgba(10,31,68,.08)}
.opt .ic{color:var(--navy)}
.opt b{font-size:15.5px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:7px}
.field input{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  font-family:var(--font);font-size:15px;color:var(--ink)}
.field input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,31,68,.08)}
.field input.invalid{border-color:#cc4b37;box-shadow:0 0 0 3px rgba(204,75,55,.1)}
.field input.valid{border-color:#1f8a5b}
.err{display:none;font-size:12.5px;color:#c0392b;margin-top:6px}
.err.show{display:block}
.modal-foot{padding:18px 28px;border-top:1px solid var(--line);display:flex;
  justify-content:space-between;align-items:center;gap:12px}
.modal-foot .back{background:none;border:0;color:var(--slate);font-weight:600;cursor:pointer;
  font-family:var(--font);font-size:15px}
.done-icon{width:64px;height:64px;border-radius:50%;background:#eef3fb;color:var(--navy);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px}

/* select field */
.field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  font-family:var(--font);font-size:15px;color:var(--ink);background:#fff;appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23586176' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 12px center;cursor:pointer}
.field select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,31,68,.08)}

/* dropzone */
.drop{display:flex;flex-direction:column;align-items:center;gap:6px;
  border:1.5px dashed var(--silver-2);border-radius:12px;padding:30px 20px;text-align:center;
  cursor:pointer;transition:.15s;background:var(--panel)}
.drop:hover{border-color:var(--navy);background:#eef3fb}
.drop svg{color:var(--navy);margin-bottom:4px}
.drop b{display:block;font-size:15.5px;color:var(--ink)}
.drop span{font-size:13px;color:var(--slate)}
.drop.has-file{border-style:solid;border-color:var(--navy);background:#eef3fb}
.drop input{display:none}
.lock-line{display:flex;align-items:center;gap:7px;justify-content:center;margin-top:12px;
  font-size:12.5px;color:var(--slate)}
.lock-line svg{color:var(--gold)}

/* notice + consent */
.notice{background:#fff7e6;border:1px solid #f3dca0;border-radius:10px;padding:14px 16px;
  font-size:14px;color:#7a5a12;line-height:1.5;margin-top:4px}
.consent-box{background:var(--panel);border:1px solid var(--line);border-radius:10px;
  padding:16px 18px;font-size:13px;line-height:1.6;color:var(--slate);max-height:190px;overflow:auto}
.consent-check{display:flex;gap:11px;align-items:flex-start;margin-top:16px;cursor:pointer;
  font-size:14px;line-height:1.5;color:var(--ink)}
.consent-check input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--navy);cursor:pointer}
.consent-check a{color:var(--navy);font-weight:600;text-decoration:underline}
.btn:disabled{opacity:.45;cursor:not-allowed;pointer-events:none}

/* ===== Risk X-Ray feature ===== */
.xray-wrap{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center}
.xray-info .lead-sm{color:var(--slate);font-size:18px;margin-top:16px;max-width:34em}
.xray-list{list-style:none;padding:0;margin:24px 0 28px;display:grid;gap:13px}
.xray-list li{display:flex;gap:11px;color:var(--ink);font-size:15.5px;align-items:flex-start}
.xray-list li svg{flex:none;margin-top:2px;color:var(--navy)}
.xray-info .micro{font-size:12.5px;color:var(--slate);margin-top:14px;display:flex;align-items:center;gap:7px;flex-wrap:wrap}
.xray-info .micro svg{color:var(--gold);flex:none}
.report{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);
  overflow:hidden}
.report-top{background:var(--navy);color:#fff;padding:20px 24px;display:flex;align-items:center;gap:13px}
.report-top img{height:30px;width:auto}
.report-top .rt{font-family:var(--head);font-weight:700;font-size:15px;letter-spacing:.01em}
.report-top .tag{margin-left:auto;font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;
  text-transform:uppercase;color:#aeb9cd;border:1px solid rgba(255,255,255,.25);border-radius:99px;padding:4px 9px}
.report-row{display:flex;align-items:center;gap:14px;padding:16px 24px;border-bottom:1px solid var(--line)}
.report-row:last-child{border-bottom:0}
.report-row .dot{width:10px;height:10px;border-radius:50%;flex:none}
.dot.warn{background:#e6a417}.dot.ok{background:#1f8a5b}.dot.gap{background:#cc4b37}
.report-row .rl{font-size:14.5px;font-weight:600;color:var(--ink)}
.report-row .rs{margin-left:auto;font-size:12.5px;font-family:var(--mono);letter-spacing:.04em;text-transform:uppercase}
.rs.warn{color:#b07d10}.rs.ok{color:#1f8a5b}.rs.gap{color:#c0392b}
.report-foot{padding:15px 24px;background:var(--panel);font-size:12.5px;color:var(--slate);text-align:center}

/* ===== Prevention library ===== */
.prevention{background:var(--panel)}
.prev-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.prev-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  box-shadow:var(--shadow-sm);transition:.2s;cursor:pointer}
.prev-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.prev-thumb{aspect-ratio:16/10;background:linear-gradient(155deg,var(--navy),var(--navy-900));
  display:flex;align-items:center;justify-content:center;position:relative}
.prev-thumb .play{width:48px;height:48px;border-radius:50%;background:rgba(255,255,255,.16);
  display:flex;align-items:center;justify-content:center;color:#fff;backdrop-filter:blur(2px)}
.prev-thumb .topic{position:absolute;top:12px;left:12px;font-family:var(--mono);font-size:10px;
  letter-spacing:.1em;text-transform:uppercase;color:#fff;background:rgba(255,255,255,.16);
  border-radius:99px;padding:4px 9px}
.prev-body{padding:18px}
.prev-body h3{font-size:16.5px;margin-bottom:8px}
.prev-body p{font-size:13.5px;color:var(--slate);line-height:1.5}
.prev-body .src{margin-top:12px;font-family:var(--mono);font-size:10.5px;letter-spacing:.05em;
  text-transform:uppercase;color:var(--steel)}
.micro.center{text-align:center;justify-content:center;display:flex;margin-top:30px;
  font-size:13px;color:var(--slate)}

/* ===== Smart-device savings ===== */
.save-wrap{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.save-steps{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:18px;counter-reset:s}
.save-steps li{display:flex;gap:15px;align-items:flex-start}
.save-steps li::before{counter-increment:s;content:counter(s);font-family:var(--head);font-weight:700;
  font-size:15px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;flex:none}
.save-steps b{display:block;font-size:15.5px;color:var(--ink)}
.save-steps span{font-size:14px;color:var(--slate)}
.device-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.device{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;box-shadow:var(--shadow-sm)}
.device .ic{width:42px;height:42px;border-radius:10px;background:var(--panel);color:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:13px}
.device b{font-size:15px;display:block;margin-bottom:5px}
.device span{font-size:13px;color:var(--slate)}
/* navy text (not gold) — gold on near-white failed readability */
.device .may{display:inline-block;margin-top:11px;font-family:var(--mono);font-size:10px;
  letter-spacing:.05em;text-transform:uppercase;color:var(--navy);background:#fff7e6;
  border:1px solid #e8cf8f;border-radius:99px;padding:3px 8px}
.disclosure{margin-top:34px;font-size:12.5px;color:var(--slate);line-height:1.6;max-width:62ch;
  border-top:1px solid var(--line);padding-top:18px}

/* ===== Contact channels ===== */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:6px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;align-items:flex-start;transition:.2s}
.contact-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--silver-1)}
.contact-card .ic{width:50px;height:50px;border-radius:13px;display:flex;align-items:center;
  justify-content:center;margin-bottom:18px;color:#fff}
.contact-card .ic.email{background:var(--navy)}
.contact-card .ic.wa{background:#25D366}
.contact-card .ic.phone{background:var(--gold);color:var(--navy-d)}
.contact-card h3{font-size:18px;margin-bottom:6px}
.contact-card p{font-size:14px;color:var(--slate);margin-bottom:16px}
.contact-card .val{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:4px;word-break:break-word}
.contact-card .sub2{font-family:var(--mono);font-size:11.5px;letter-spacing:.04em;color:var(--steel);margin-bottom:18px}
.contact-card .cta-link{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font-weight:700;
  font-size:14.5px;color:var(--navy);padding:10px 16px;border:1px solid var(--line);border-radius:9px;transition:.15s}
.contact-card .cta-link:hover{border-color:var(--navy);background:var(--panel)}
.contact-card .cta-link.wa-link{background:#25D366;color:#fff;border-color:#25D366}
.contact-card .cta-link.wa-link:hover{background:#1da851;border-color:#1da851}
.contact-hours{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:30px;
  font-size:14px;color:var(--slate)}
.contact-hours .dot{width:8px;height:8px;border-radius:50%;background:#1f8a5b;flex:none}

/* ===== Prevent Minute (video) ===== */
.pm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pm-card{display:flex;flex-direction:column}
.pm-thumb{aspect-ratio:16/9;border-radius:13px;position:relative;overflow:hidden;display:block;
  background:linear-gradient(155deg,var(--navy),var(--navy-900));text-decoration:none}
.pm-thumb::after{content:"";position:absolute;inset:0;
  background:radial-gradient(220px 220px at 72% 24%,rgba(0,200,255,.16),transparent 62%)}
.pm-thumb .play{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);z-index:2;
  width:54px;height:54px;border-radius:50%;background:rgba(255,255,255,.18);backdrop-filter:blur(2px);
  display:flex;align-items:center;justify-content:center;color:#fff;transition:.18s}
.pm-thumb:hover .play{background:var(--gold);color:var(--navy);transform:translate(-50%,-50%) scale(1.08)}
.pm-tag{position:absolute;top:12px;left:12px;z-index:2;font-family:var(--mono);font-size:10px;
  letter-spacing:.12em;text-transform:uppercase;color:#fff;background:rgba(0,0,0,.32);
  border-radius:99px;padding:5px 10px;display:flex;align-items:center;gap:6px}
.pm-tag b{width:7px;height:7px;border-radius:50%;background:var(--gold);display:inline-block}
.pm-dur{position:absolute;bottom:12px;right:12px;z-index:2;font-family:var(--mono);font-size:11px;
  color:#fff;background:rgba(0,0,0,.55);border-radius:6px;padding:3px 7px}
.pm-card h3{font-size:17px;margin:16px 0 6px}
.pm-card p{font-size:14px;color:var(--slate);margin:0 0 12px}
.pm-langs{display:flex;gap:7px;margin-top:auto}
.pm-lang{font-family:var(--mono);font-size:11px;font-weight:500;letter-spacing:.05em;color:var(--navy);
  border:1px solid var(--line);border-radius:7px;padding:4px 9px;background:#fff}
.pm-sub{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:42px;flex-wrap:wrap}
.pm-sub .yt{display:inline-flex;align-items:center;gap:10px;background:var(--navy);color:#fff;
  font-weight:700;font-size:15px;padding:13px 22px;border-radius:10px;text-decoration:none;transition:.18s}
.pm-sub .yt:hover{background:var(--navy-900);transform:translateY(-1px)}
.pm-sub .note{font-size:13.5px;color:var(--slate)}

/* ===== AI chat assistant ===== */
.chat-launch{position:fixed;right:22px;bottom:22px;z-index:90;width:60px;height:60px;border-radius:50%;
  background:var(--navy);border:0;cursor:pointer;box-shadow:0 8px 24px -6px rgba(22,38,60,.5);
  display:flex;align-items:center;justify-content:center;color:#fff;transition:.18s}
.chat-launch:hover{transform:translateY(-2px);background:var(--navy-900)}
.chat-launch .badge{position:absolute;top:-3px;right:-3px;width:18px;height:18px;border-radius:50%;
  background:var(--gold);border:2px solid #fff}
.chat-launch svg.close-i{display:none}
.chat-open .chat-launch svg.chat-i{display:none}
.chat-open .chat-launch svg.close-i{display:block}
.chat-panel{position:fixed;right:22px;bottom:94px;z-index:90;width:380px;max-width:calc(100vw - 36px);
  height:560px;max-height:calc(100vh - 130px);max-height:calc(100dvh - 130px);background:#fff;border-radius:18px;overflow:hidden;
  box-shadow:0 20px 60px -16px rgba(22,38,60,.5);display:none;flex-direction:column;
  border:1px solid var(--line)}
.chat-open .chat-panel{display:flex;animation:chatIn .22s ease}
@keyframes chatIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.chat-head{background:var(--navy);color:#fff;padding:18px 20px;display:flex;align-items:center;gap:12px}
.chat-head .ava{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.12);
  display:flex;align-items:center;justify-content:center;flex:none}
.chat-head .ava img{width:24px;height:26px}
.chat-head b{font-family:var(--head);font-size:15.5px;font-weight:700;display:block;line-height:1.2}
.chat-head span{font-size:12px;color:#aeb9cd;display:flex;align-items:center;gap:6px}
.chat-head span::before{content:"";width:7px;height:7px;border-radius:50%;background:#3ecf8e}

/* ===== Preview / demo labels (client tools not yet wired) ===== */
.demo-pill{display:inline-flex;align-items:center;gap:5px;font-family:var(--mono);font-size:9.5px;
  letter-spacing:.1em;text-transform:uppercase;font-weight:500;border-radius:999px;padding:3px 8px;
  white-space:nowrap;background:#FFF4D6;color:#7A5B05;border:1px solid #F0D483}
.demo-pill.on-dark{background:rgba(253,185,19,.16);color:#FDB913;border-color:rgba(253,185,19,.42)}
.demo-note{font-size:11.5px;line-height:1.5;color:#7A5B05;background:#FFF8E6;border:1px solid #F3E3B8;
  border-radius:9px;padding:9px 12px;display:flex;gap:8px;align-items:flex-start}
.demo-note svg{flex:none;margin-top:1px;color:#B07D10}
.demo-note b{color:#5E4604;font-weight:700}
.card-demo-note{margin:0 0 16px}
.chat-body{flex:1;overflow-y:auto;padding:20px;display:flex;flex-direction:column;gap:12px;
  background:var(--panel)}
.msg{max-width:84%;padding:11px 14px;border-radius:14px;font-size:14.5px;line-height:1.5}
.msg.bot{background:#fff;border:1px solid var(--line);color:var(--ink);align-self:flex-start;
  border-bottom-left-radius:4px}
.msg.user{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.msg.bot a{color:var(--navy);font-weight:600;text-decoration:underline}
.chat-typing{align-self:flex-start;display:flex;gap:4px;padding:13px 16px;background:#fff;
  border:1px solid var(--line);border-radius:14px;border-bottom-left-radius:4px}
.chat-typing i{width:7px;height:7px;border-radius:50%;background:var(--silver-2);animation:blink 1.2s infinite}
.chat-typing i:nth-child(2){animation-delay:.2s}.chat-typing i:nth-child(3){animation-delay:.4s}
@keyframes blink{0%,60%,100%{opacity:.3}30%{opacity:1}}
.chat-chips{display:flex;flex-wrap:wrap;gap:7px;padding:0 20px 12px;background:var(--panel)}
.chat-chip{font-size:12.5px;font-weight:600;color:var(--navy);background:#fff;border:1px solid var(--line);
  border-radius:99px;padding:7px 12px;cursor:pointer;transition:.15s}
.chat-chip:hover{border-color:var(--navy);background:#eef3fb}
.chat-chip.chip-svc{display:inline-flex;align-items:center;gap:6px;background:var(--navy);color:#fff;border-color:var(--navy)}
.chat-chip.chip-svc svg{flex:none}
.chat-chip.chip-svc:hover{background:var(--navy-900);border-color:var(--navy-900)}
.chat-foot{border-top:1px solid var(--line);padding:12px;display:flex;gap:8px;align-items:flex-end;background:#fff}
.chat-foot textarea{flex:1;border:1px solid var(--line);border-radius:12px;padding:11px 13px;resize:none;
  font-family:var(--font);font-size:14.5px;color:var(--ink);max-height:90px;line-height:1.4}
.chat-foot textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,31,68,.08)}
.chat-send{width:42px;height:42px;border-radius:11px;background:var(--navy);border:0;color:#fff;cursor:pointer;
  flex:none;display:flex;align-items:center;justify-content:center;transition:.15s}
.chat-send:hover{background:var(--navy-900)}
.chat-send:disabled{opacity:.4;cursor:not-allowed}
.chat-disc{font-size:10.5px;color:var(--slate);text-align:center;padding:0 12px 10px;background:#fff;line-height:1.4}
@media(max-width:560px){
  .chat-panel{right:10px;left:10px;bottom:88px;width:auto;height:calc(100vh - 110px);height:calc(100dvh - 110px)}
  .chat-launch{right:16px;bottom:16px}
}

@media(max-width:560px){
  .lang-switch button{padding:6px 8px;font-size:11.5px}
}
/* phones: the full nav-cta (lang + CTA + burger) can't fit next to the logo —
   compact the logo, drop the CTA button (hero/footer/chat all repeat it) */
@media(max-width:640px){
  .nav{gap:12px}
  .nav-cta{gap:8px}
  .logo{margin-right:0;gap:8px}
  .logo-mark{height:34px}
  .logo-txt b{font-size:16px}
  .logo-txt span{font-size:7.5px;letter-spacing:.22em;margin-top:3px}
  .nav-cta .btn{display:none}
}
/* touch devices: inputs under 16px make iOS Safari zoom the page on focus */
@media(max-width:820px){
  .field input,.field select,.field textarea,.chat-foot textarea{font-size:16px}
}
@media(max-width:1359px){
  .nav-links{display:none}
  .menu-btn{display:flex}
  /* hamburger opens a dropdown panel under the header */
  .menu-open .nav-links{display:flex;position:absolute;top:74px;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;background:#fff;
    border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:6px 24px 14px;z-index:49}
  .menu-open .nav-links a{padding:13px 0;font-size:16px;border-bottom:1px solid var(--line)}
  .menu-open .nav-links a:last-child{border-bottom:0}
  /* the two CTAs render as header-style buttons at the bottom of the menu:
     Free Policy Review = navy primary, Self-Service = white ghost */
  .menu-open .nav-links a.nav-btn{border-bottom:0;border-radius:12px;text-align:center;
    font-weight:700;padding:13px 16px}
  .menu-open .nav-links a.nav-btn-primary{background:var(--navy);color:#fff;margin-top:12px}
  .menu-open .nav-links a.nav-btn-primary:hover{background:var(--navy-900);color:#fff}
  .menu-open .nav-links a.nav-btn-ghost{background:#fff;color:var(--navy);
    border:1.5px solid var(--navy);margin-top:10px}
}
@media(max-width:920px){
  .hero-grid,.split,.xray-wrap,.save-wrap{grid-template-columns:1fr;gap:40px}
  .hero-art{max-width:420px}
  .cards,.steps,.prev-cards,.pm-grid,.pl-grid{grid-template-columns:1fr 1fr}
  .logos{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .cards,.steps,.logos,.foot-grid,.opt-grid,.prev-cards,.pm-grid,.device-grid,.contact-grid,.pl-grid{grid-template-columns:1fr}
  section{padding:60px 0}
  .foot-bot{flex-direction:column}
}

/* ---- Prevention video modal ---- */
.prev-card[data-video]{cursor:pointer}
.prev-card[data-video]:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.video-card{width:min(880px,100%);overflow:hidden}
.video-frame{position:relative;aspect-ratio:16/9;background:#000}
.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-foot{padding:12px 28px 16px;border-top:1px solid var(--line);text-align:right}
.video-foot a{color:var(--slate);font-size:.85rem;font-weight:600;text-decoration:none}
.video-foot a:hover{color:var(--navy)}
.risk-link{color:var(--navy);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.risk-link:hover{color:var(--gold)}
.chat-attach{background:none;border:1px solid var(--line);border-radius:10px;cursor:pointer;color:var(--slate);padding:8px 10px;display:flex;align-items:center;flex:0 0 auto}
.chat-attach:hover{color:var(--navy);border-color:var(--navy)}
.nav-mob-only{display:none}
.menu-open .nav-links .nav-mob-only{display:block}

/* ---- SMS/TCPA consent on lead forms (A2P compliance) ---- */
/* Optional, never pre-checked — texting consent is not a condition of purchase. */
.sms-optin{display:flex;align-items:flex-start;gap:10px;margin:16px 0 10px;padding:12px 14px;
  background:var(--panel);border:1px solid var(--line);border-radius:10px;
  font-size:13px;line-height:1.5;color:var(--ink);cursor:pointer}
.sms-optin input[type=checkbox]{margin-top:2px;flex:none;width:auto}
.sms-consent{font-size:12.5px;line-height:1.55;color:var(--slate);margin:10px 0 4px}
.sms-consent a{color:var(--navy);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* ---- Homepage Mission section ---- */
.mission .mission-body{max-width:760px;margin:0 auto}
.mission .mission-body p{color:var(--slate);font-size:17px;line-height:1.72;margin-bottom:18px}
.mission .mission-body p:last-child{margin-bottom:0}
.mission-tag{position:relative;max-width:720px;margin:36px auto 0;text-align:center;padding-top:26px;
  font-family:var(--head);font-style:italic;font-weight:700;font-size:clamp(20px,2.6vw,26px);color:var(--navy)}
.mission-tag::before{content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
  width:60px;height:3px;border-radius:2px;background:var(--gold)}

/* ---- Pre-launch status band ----
   The agency is not open for business yet and the inauguration date is not set,
   so this carries NO date. Reuses the promo-ribbon look (already proven not to
   overflow the ES/PT header) but is informational, not a link. Sits above the
   topbar on every page so no visitor can mistake us for open. Remove this block
   and the .status-band markup on opening day. */
.status-band{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;
  background:linear-gradient(90deg,var(--navy),var(--navy-700));color:#fff;
  padding:9px 18px;font-size:14px;text-align:center;border-bottom:2px solid var(--gold)}
.status-band .promo-msg{color:#eaf0fb;font-weight:500}
@media(max-width:560px){
  .status-band{font-size:12.5px;gap:8px;padding:8px 12px}
  /* unlike the promo ribbon, the message must survive on mobile — it is the point */
  .status-band .promo-msg{display:block}
}

/* ---- Vetted Contractor: promo ribbon + gold nav pill ---- */
.promo-ribbon{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;
  background:linear-gradient(90deg,var(--navy),var(--navy-700));color:#fff;
  padding:9px 18px;font-size:14px;font-weight:600;text-align:center;border-bottom:2px solid var(--gold)}
.promo-ribbon:hover .promo-go{text-decoration:underline}
.promo-tag{background:var(--gold);color:var(--navy);font-size:11px;font-weight:800;letter-spacing:.06em;
  text-transform:uppercase;padding:3px 9px;border-radius:999px}
.promo-msg{color:#eaf0fb}
.promo-go{color:var(--gold);font-weight:700;white-space:nowrap}
@media(max-width:560px){.promo-ribbon{font-size:12.5px;gap:8px;padding:8px 12px}.promo-msg{display:none}}
/* Vetted Contractors renders as a gold button inside the mobile menu; on desktop
   the full-width promo ribbon carries the attention, so the header (already at
   capacity in ES/PT) never overflows. */
.menu-open .nav-links a.nav-vetted{background:var(--gold);color:var(--navy);border:0;margin-top:12px}
.menu-open .nav-links a.nav-vetted:hover{background:var(--gold-2);color:var(--navy)}
.menu-open .nav-links a.nav-btn-gold{background:var(--gold);color:var(--navy);border:0;margin-top:10px}
.menu-open .nav-links a.nav-btn-gold:hover{background:var(--gold-2);color:var(--navy)}

/* ---- 4-CTA 2x2 grid (Free Policy Review · Refer · Self-Service · Vetted) ---- */
/* now lives in the hero, just above the logo/quote box */
.hero-right{display:flex;flex-direction:column;gap:16px}
.hero-cta{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.cta-mini{width:100%;padding:11px 12px;font-size:13.5px;line-height:1.2;text-align:center;justify-content:center;
  white-space:normal;min-height:48px}
.cta-gold{background:var(--gold);color:var(--navy);border:1px solid var(--gold)}
.cta-gold:hover{background:var(--gold-2);border-color:var(--gold-2);color:var(--navy);transform:translateY(-1px)}
/* header CTA area is now empty on desktop — keep the nav flush right */
.nav-links{margin-left:auto}