@import url('https://fonts.googleapis.com/css2?family=DM+Mono:wght@400;500&family=Manrope:wght@400;500;600;700;800&family=Playfair+Display:ital,wght@0,600;0,700;1,600;1,700&display=swap');

:root {
  --navy: #062b42;
  --navy-deep: #031d30;
  --ink: #0d2638;
  --muted: #66808d;
  --cyan: #16b7ec;
  --teal: #0085a5;
  --ice: #eef8fa;
  --mist: #f6f7f3;
  --sand: #e9e8df;
  --white: #fff;
  --line: rgba(8, 43, 62, .13);
  --radius: 24px;
  --container: 1180px;
  --shadow: 0 24px 70px rgba(1, 27, 42, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: 'Manrope', sans-serif; font-size: 16px; line-height: 1.6; }
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, textarea { font: inherit; }
button { cursor: pointer; }
.container { width: min(var(--container), calc(100% - 64px)); margin: 0 auto; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 99; background: var(--cyan); color: var(--navy); padding: 8px 12px; font-weight: 800; border-radius: 0 0 8px 8px; transition: top .2s; }
.skip-link:focus { top: 0; }
.eyebrow { display: flex; align-items: center; gap: 10px; margin: 0 0 16px; color: var(--teal); font-size: 11px; font-family: 'DM Mono', monospace; font-weight: 500; letter-spacing: .12em; line-height: 1.2; text-transform: uppercase; }
.eyebrow::before { width: 24px; height: 1px; background: currentColor; content: ''; }
.eyebrow.light { color: #79ddfb; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--navy); font-weight: 700; letter-spacing: -.045em; line-height: 1.04; }
h1 { margin-bottom: 22px; font-size: clamp(45px, 6vw, 86px); }
h2 { margin-bottom: 20px; font-size: clamp(35px, 4.4vw, 60px); }
h3 { margin-bottom: 12px; font-size: 23px; }
em { color: var(--cyan); font-family: 'Playfair Display', serif; font-weight: 600; letter-spacing: -.055em; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 12px; min-height: 51px; padding: 13px 21px; border: 1px solid transparent; border-radius: 3px; font-size: 13px; font-weight: 800; transition: transform .25s ease, background .25s ease, color .25s ease, border-color .25s ease; }
.button svg, .text-link svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.7; }
.button:hover { transform: translateY(-3px); }
.button-primary { color: var(--white); background: var(--navy); box-shadow: 0 12px 22px rgba(6, 43, 66, .18); }
.button-primary:hover, .button-dark:hover { background: var(--teal); }
.button-light { color: var(--navy); background: var(--white); }
.button-light:hover { color: var(--white); background: var(--cyan); }
.button-dark { color: var(--white); background: var(--navy-deep); }
.button-outline { color: var(--navy); border-color: var(--navy); background: transparent; }
.button-outline:hover { color: var(--white); background: var(--navy); }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--teal); font-size: 13px; font-weight: 800; }
.text-link:hover { color: var(--cyan); }

/* Header */
.site-header { position: absolute; z-index: 10; left: 0; right: 0; color: var(--white); }
.header-inner { display: flex; min-height: 106px; align-items: center; justify-content: space-between; border-bottom: 1px solid rgba(255,255,255,.2); }
.brand { display: flex; align-items: center; width: 147px; flex-shrink: 0; }
.brand img { width: 100%; max-height: 82px; object-fit: contain; object-position: left center; }
.site-nav { display: flex; align-items: center; gap: 25px; }
.nav-link { position: relative; font-size: 12px; font-weight: 700; letter-spacing: .01em; }
.nav-link::after { position: absolute; left: 0; bottom: -7px; width: 0; height: 2px; background: var(--cyan); content: ''; transition: width .25s; }
.nav-link:hover::after, .nav-link.is-active::after { width: 100%; }
.admin-link { display: inline-flex; align-items: center; gap: 6px; margin-left: 8px; padding: 12px 17px; border: 1px solid rgba(255,255,255,.55); border-radius: 3px; font-size: 11px; font-weight: 800; transition: background .25s, color .25s; }
.admin-link:hover { color: var(--navy); background: var(--white); }
.admin-link svg { width: 14px; fill: none; stroke: currentColor; stroke-width: 1.8; }
.menu-toggle { display: none; color: var(--white); background: none; border: 0; padding: 10px; }
.menu-toggle svg { width: 26px; height: 26px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; }

/* Home hero */
.home-hero { position: relative; min-height: 730px; overflow: hidden; color: var(--white); background: var(--navy-deep); }
.hero-backdrop { position: absolute; inset: 0; }
.hero-backdrop::after { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(3,29,48,.98) 0%, rgba(3,29,48,.91) 35%, rgba(3,29,48,.46) 66%, rgba(3,29,48,.14) 100%); content: ''; }
.hero-backdrop img { width: 100%; height: 100%; object-fit: cover; object-position: center; opacity: .78; }
.hero-inner { position: relative; z-index: 1; display: flex; min-height: 730px; align-items: end; justify-content: space-between; padding: 184px 0 80px; }
.hero-copy { width: min(620px, 70%); }
.brand-mark { display: flex; width: 45px; margin-bottom: 24px; }
.brand-mark i { width: 21px; height: 21px; margin-left: -6px; border: 3px solid var(--cyan); border-radius: 6px; transform: rotate(45deg); }
.brand-mark i:nth-child(2) { border-color: #009ab7; }
.brand-mark i:nth-child(3) { border-color: #086c91; }
.hero-copy h1 { max-width: 655px; color: var(--white); }
.hero-copy h1 em { color: #7cddf8; }
.hero-rule { width: 112px; height: 2px; margin-bottom: 18px; background: var(--cyan); }
.hero-lead { max-width: 420px; margin-bottom: 31px; color: rgba(255,255,255,.93); font-size: 18px; line-height: 1.45; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 24px; }
.hero-link { display: inline-flex; align-items: center; gap: 11px; font-size: 12px; font-weight: 800; }
.hero-link span { display: flex; width: 28px; height: 28px; align-items: center; justify-content: center; border: 1px solid rgba(255,255,255,.6); border-radius: 50%; font-size: 16px; }
.hero-rail { display: flex; align-items: center; align-self: center; gap: 16px; margin-top: 110px; color: rgba(255,255,255,.65); font-family: 'DM Mono', monospace; font-size: 9px; letter-spacing: .1em; transform: rotate(90deg) translateX(50%); transform-origin: right center; }
.hero-rail b { width: 40px; height: 1px; background: var(--cyan); }

/* Partner and section shells */
.intro-band { padding: 118px 0 75px; background: var(--white); }
.split-heading { display: grid; grid-template-columns: .9fr 1.45fr .75fr; gap: 38px; align-items: start; margin-bottom: 60px; }
.split-heading .eyebrow { margin-top: 13px; }
.split-heading h2 { margin: 0; font-size: clamp(34px, 4.1vw, 56px); }
.split-heading > p:last-child { max-width: 270px; margin: 12px 0 0; color: var(--muted); font-size: 14px; }
.partners-grid { display: grid; grid-template-columns: repeat(7, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.partner-logo { display: flex; min-height: 112px; align-items: center; justify-content: center; padding: 19px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); opacity: 0; transform: translateY(12px); transition: opacity .55s ease var(--reveal-delay), transform .55s ease var(--reveal-delay), background .25s; }
.partner-logo.is-visible { opacity: 1; transform: translateY(0); }
.partner-logo:hover { background: var(--ice); }
.partner-logo img { max-width: 112px; max-height: 48px; object-fit: contain; filter: saturate(.9) contrast(1.04); }
.products-section, .services-section, .insurance-detail, .services-detail { padding: 120px 0; background: var(--mist); }
.section-top { display: grid; grid-template-columns: 1.4fr .65fr; gap: 70px; align-items: end; margin-bottom: 54px; }
.section-top h2 { margin-bottom: 0; }
.section-top > p { max-width: 320px; margin: 0 0 6px; color: var(--muted); font-size: 15px; }
.product-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.product-card { position: relative; min-height: 318px; padding: 30px 24px 26px; overflow: hidden; border: 1px solid #e1e7e6; background: var(--white); opacity: 0; transform: translateY(18px); transition: opacity .55s ease var(--reveal-delay), transform .55s ease var(--reveal-delay), box-shadow .3s ease, border-color .3s; }
.product-card.is-visible { opacity: 1; transform: translateY(0); }
.product-card:hover { border-color: var(--cyan); box-shadow: 0 18px 42px rgba(5, 50, 70, .12); }
.product-number { position: absolute; top: 22px; right: 23px; color: #9ab2ba; font-family: 'DM Mono', monospace; font-size: 10px; }
.icon-orb { display: flex; width: 64px; height: 64px; align-items: center; justify-content: center; margin: 46px 0 27px; color: var(--teal); border: 1px solid #bceaf3; border-radius: 50%; background: var(--ice); }
.icon-orb svg, .service-icon svg { width: 30px; height: 30px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.55; }
.product-card h3 { font-size: 20px; }
.product-card p { color: var(--muted); font-size: 14px; line-height: 1.55; }
.product-card .text-link { position: absolute; bottom: 27px; }
.centered-action { display: flex; justify-content: center; margin-top: 38px; }

/* Feature & services */
.consulting-feature { display: grid; grid-template-columns: 1.02fr .98fr; min-height: 560px; background: var(--navy); }
.consulting-photo { overflow: hidden; background: #062b42; }
.consulting-photo img { width: 100%; height: 100%; object-fit: cover; opacity: .82; }
.consulting-copy { align-self: center; max-width: 560px; padding: 90px 12vw 90px 8vw; color: rgba(255,255,255,.82); }
.consulting-copy h2 { color: var(--white); }
.consulting-copy p:not(.eyebrow) { max-width: 440px; margin-bottom: 30px; }
.services-list { border-top: 1px solid var(--line); }
.service-card { display: grid; grid-template-columns: 72px 84px minmax(0, 1fr); gap: 22px; align-items: start; padding: 34px 0; border-bottom: 1px solid var(--line); opacity: 0; transform: translateY(16px); transition: opacity .5s ease var(--reveal-delay), transform .5s ease var(--reveal-delay), padding-left .25s ease; }
.service-card.is-visible { opacity: 1; transform: translateY(0); }
.service-card:hover { padding-left: 11px; }
.service-index { padding-top: 8px; color: #7f9ca8; font-family: 'DM Mono', monospace; font-size: 11px; }
.service-icon { display: flex; width: 50px; height: 50px; align-items: center; justify-content: center; color: var(--teal); border-radius: 14px; background: var(--ice); }
.service-card h3 { margin-bottom: 10px; font-size: 24px; }
.service-card p { max-width: 720px; margin: 0; color: var(--muted); font-size: 15px; }
.service-card .text-link { margin-top: 14px; }

/* About & form */
.about-preview { padding: 118px 0; }
.about-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.about-card h2 { max-width: 490px; }
.about-card > p:not(.eyebrow) { max-width: 540px; color: var(--muted); }
.about-card .button { margin-top: 14px; }
.about-image-wrap { position: relative; min-height: 530px; padding: 26px 0 0 30px; }
.about-image-wrap::before { position: absolute; inset: 0 30px 30px 0; background: var(--ice); content: ''; }
.about-image-wrap img { position: relative; width: 100%; height: 500px; object-fit: cover; filter: saturate(.88); }
.image-stamp { position: absolute; bottom: 0; left: 0; display: flex; width: 124px; height: 124px; flex-direction: column; justify-content: center; padding-left: 20px; color: var(--white); background: var(--teal); font-family: 'DM Mono', monospace; font-size: 15px; letter-spacing: .07em; line-height: 1.15; }
.image-stamp span:last-child { color: #94ecff; font-size: 10px; }
.quote-section { position: relative; overflow: hidden; padding: 108px 0; color: var(--white); background: var(--navy-deep); }
.quote-section::before { position: absolute; top: -180px; right: -120px; width: 590px; height: 590px; border: 1px solid rgba(27,183,236,.3); border-radius: 50%; content: ''; }
.quote-section::after { position: absolute; top: -105px; right: -44px; width: 440px; height: 440px; border: 1px solid rgba(27,183,236,.22); border-radius: 50%; content: ''; }
.quote-layout { position: relative; z-index: 1; display: grid; grid-template-columns: .8fr 1.2fr; gap: 82px; align-items: start; }
.quote-copy h2 { color: var(--white); }
.quote-copy > p:not(.eyebrow) { max-width: 320px; color: rgba(255,255,255,.76); }
.contact-points { display: grid; gap: 11px; margin-top: 30px; }
.contact-points a { display: inline-flex; align-items: center; gap: 10px; color: #bceefa; font-size: 13px; font-weight: 700; }
.contact-points svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.7; }
.quote-panel { padding: 38px; background: var(--white); box-shadow: var(--shadow); }
.quote-form { color: var(--ink); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.form-full { grid-column: 1 / -1; }
.quote-form label { color: var(--navy); font-family: 'DM Mono', monospace; font-size: 10px; letter-spacing: .08em; text-transform: uppercase; }
.quote-form input, .quote-form textarea { display: block; width: 100%; margin-top: 7px; padding: 11px 0; color: var(--ink); border: 0; border-bottom: 1px solid #c9d8d9; outline: none; background: transparent; font-family: 'Manrope', sans-serif; font-size: 14px; letter-spacing: 0; text-transform: none; transition: border-color .2s; resize: vertical; }
.quote-form input::placeholder, .quote-form textarea::placeholder { color: #9aaeb2; }
.quote-form input:focus, .quote-form textarea:focus { border-color: var(--cyan); }
.form-action { display: flex; flex-wrap: wrap; align-items: center; gap: 17px; margin-top: 28px; }
.form-action p { margin: 0; color: #72909a; font-size: 11px; line-height: 1.45; }

/* Footer */
.site-footer { color: rgba(255,255,255,.78); background: #041d2e; }
.footer-top { display: grid; grid-template-columns: 1.1fr .55fr 1.35fr; gap: 70px; padding: 72px 0 55px; }
.footer-brand img { width: 152px; margin-bottom: 16px; }
.footer-brand p { max-width: 235px; margin-bottom: 22px; font-size: 13px; line-height: 1.55; }
.socials { display: flex; gap: 9px; }
.socials a { display: flex; width: 31px; height: 31px; align-items: center; justify-content: center; border: 1px solid rgba(255,255,255,.4); border-radius: 50%; transition: background .2s, border-color .2s; }
.socials a:hover { border-color: var(--cyan); background: var(--cyan); }
.socials svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6; }
.footer-column { display: flex; flex-direction: column; align-items: flex-start; gap: 9px; }
.footer-column .eyebrow { margin: 0 0 8px; }
.footer-column:not(.footer-contact) a { font-size: 13px; transition: color .2s; }
.footer-column:not(.footer-contact) a:hover { color: var(--cyan); }
.footer-contact { gap: 13px; }
.footer-contact a { display: flex; align-items: flex-start; gap: 10px; font-size: 12px; line-height: 1.5; transition: color .2s; }
.footer-contact a:hover { color: var(--cyan); }
.footer-contact svg { width: 16px; min-width: 16px; height: 16px; margin-top: 2px; fill: none; stroke: var(--cyan); stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.15); color: rgba(255,255,255,.48); font-size: 11px; }
.footer-bottom a:hover { color: var(--cyan); }

/* Inside pages */
.page-hero { position: relative; min-height: 680px; overflow: hidden; color: var(--white); background: var(--navy-deep); }
.page-hero::after { position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, rgba(3,29,48,.98) 0%, rgba(3,29,48,.9) 38%, rgba(3,29,48,.42) 76%, rgba(3,29,48,.2) 100%); content: ''; }
.page-hero-copy { position: relative; z-index: 2; display: flex; min-height: 680px; align-items: center; padding: 138px 0 45px; }
.page-hero-copy > div { max-width: 740px; }
.page-hero h1 { color: var(--white); }
.page-hero h1 em { color: #78dcfa; }
.page-hero p:not(.eyebrow) { max-width: 530px; margin-bottom: 28px; color: rgba(255,255,255,.84); font-size: 17px; }
.page-hero-image { position: absolute; inset: 0; }
.page-hero-image img { width: 100%; height: 100%; object-fit: cover; object-position: center; opacity: .78; }
.about-detail { padding: 132px 0; }
.about-detail-grid { display: grid; grid-template-columns: .45fr 1.55fr; gap: 70px; }
.chapter-label { display: flex; align-items: center; gap: 15px; padding-top: 13px; color: var(--teal); }
.chapter-label span { display: flex; width: 41px; height: 41px; align-items: center; justify-content: center; border: 1px solid currentColor; border-radius: 50%; font-family: 'DM Mono', monospace; font-size: 10px; }
.chapter-label p { margin: 0; font-family: 'DM Mono', monospace; font-size: 10px; letter-spacing: .12em; }
.long-copy { max-width: 775px; }
.long-copy > p:not(.eyebrow) { color: var(--muted); font-size: 17px; line-height: 1.8; }
.long-copy > p:last-child { margin-bottom: 0; color: var(--ink); font-weight: 600; }
.values-band { padding: 96px 0; background: var(--navy); }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 42px; }
.values-grid > div { position: relative; padding: 27px; overflow: hidden; border: 1px solid rgba(255,255,255,.18); opacity: 0; transform: translateY(16px); transition: opacity .5s ease var(--reveal-delay), transform .5s ease var(--reveal-delay), border-color .25s; }
.values-grid > div.is-visible { opacity: 1; transform: translateY(0); }
.values-grid > div:hover { border-color: var(--cyan); }
.values-grid span { color: var(--cyan); font-family: 'DM Mono', monospace; font-size: 11px; }
.values-grid h3 { margin: 30px 0 10px; color: var(--white); }
.values-grid p { margin: 0; color: rgba(255,255,255,.7); font-size: 14px; }
.partner-section { padding: 112px 0; }
.partner-section.subtle { background: var(--mist); }
.split-heading.compact { grid-template-columns: .8fr 1.5fr; }
.mini-cta { padding: 95px 0; text-align: center; background: var(--ice); }
.mini-cta .eyebrow { justify-content: center; }
.mini-cta h2 { margin-bottom: 30px; }
.insurance-detail .product-card { min-height: 350px; }
.services-detail { background: var(--white); }
.services-detail .service-card { grid-template-columns: 90px 84px minmax(0, 1fr); padding: 42px 0; }
.service-closer { padding: 92px 0; color: var(--white); background: var(--teal); }
.service-closer-grid { display: grid; grid-template-columns: 1.2fr .9fr auto; gap: 50px; align-items: center; }
.service-closer h2 { margin: 0; color: var(--white); font-size: clamp(35px, 3.8vw, 55px); }
.service-closer h2 em { color: #adf2ff; }
.service-closer p:not(.eyebrow) { max-width: 360px; margin: 0; color: rgba(255,255,255,.84); font-size: 14px; }
.service-closer .eyebrow { color: #caf8ff; }
.career-detail { padding: 128px 0; background: var(--mist); }
.career-grid { display: grid; grid-template-columns: .88fr 1.12fr; gap: 90px; align-items: start; }
.career-copy { padding-top: 18px; }
.career-copy > p:not(.eyebrow) { max-width: 480px; color: var(--muted); font-size: 16px; }
.email-callout { display: flex; align-items: center; gap: 16px; max-width: 470px; margin-top: 35px; padding: 19px; color: var(--navy); border: 1px solid #b7d2d9; background: var(--white); transition: border-color .2s, transform .2s; }
.email-callout:hover { border-color: var(--cyan); transform: translateY(-3px); }
.email-callout > svg:first-child { width: 27px; height: 27px; color: var(--teal); fill: none; stroke: currentColor; stroke-width: 1.5; }
.email-callout span { flex: 1; font-weight: 800; font-size: 14px; overflow-wrap: anywhere; }
.email-callout small { display: block; margin-bottom: 2px; color: var(--muted); font-family: 'DM Mono', monospace; font-size: 9px; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; }
.email-callout > svg:last-child { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.career-panel { padding: 39px; background: var(--white); box-shadow: 0 18px 55px rgba(6,43,66,.08); }
.career-panel .eyebrow { margin-bottom: 27px; }

@media (max-width: 1050px) {
  .site-nav { gap: 16px; }
  .admin-link { margin-left: 0; padding: 10px; }
  .product-grid { grid-template-columns: repeat(3, 1fr); }
  .product-card { min-height: 290px; }
  .partners-grid { grid-template-columns: repeat(5, 1fr); }
  .consulting-copy { padding: 70px 60px; }
  .about-layout, .quote-layout, .career-grid { gap: 50px; }
}

@media (max-width: 780px) {
  .container { width: min(100% - 40px, var(--container)); }
  .site-header { position: absolute; }
  .header-inner { min-height: 81px; border-bottom-color: rgba(255,255,255,.25); }
  .brand { width: 120px; }
  .brand img { max-height: 66px; }
  .menu-toggle { display: block; z-index: 12; }
  .site-nav { position: fixed; inset: 0; display: flex; visibility: hidden; flex-direction: column; align-items: flex-start; justify-content: center; gap: 25px; padding: 90px 40px 50px; opacity: 0; background: var(--navy-deep); transition: opacity .25s, visibility .25s; }
  .site-nav.is-open { visibility: visible; opacity: 1; }
  .nav-link { color: var(--white); font-size: 26px; letter-spacing: -.04em; }
  .admin-link { margin: 12px 0 0; font-size: 13px; }
  .home-hero, .hero-inner { min-height: 690px; }
  .hero-inner { padding: 142px 0 60px; }
  .hero-copy { width: 100%; }
  .hero-copy h1 { font-size: clamp(43px, 13vw, 67px); }
  .hero-lead { font-size: 16px; }
  .hero-rail { display: none; }
  .hero-backdrop img { object-position: 70% center; }
  .hero-backdrop::after { background: linear-gradient(90deg, rgba(3,29,48,.98), rgba(3,29,48,.78) 62%, rgba(3,29,48,.45)); }
  .split-heading, .section-top, .about-layout, .about-detail-grid, .quote-layout, .career-grid { grid-template-columns: 1fr; gap: 22px; }
  .split-heading { margin-bottom: 40px; }
  .split-heading .eyebrow { margin-top: 0; }
  .split-heading > p:last-child, .section-top > p { margin-top: 0; }
  .intro-band, .products-section, .services-section, .insurance-detail, .services-detail, .about-detail, .partner-section, .career-detail { padding: 76px 0; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
  .partner-logo { min-height: 90px; padding: 14px; }
  .partner-logo img { max-width: 86px; max-height: 39px; }
  .product-grid { grid-template-columns: 1fr; gap: 10px; }
  .product-card { display: grid; min-height: 0; grid-template-columns: 75px 1fr; gap: 0 16px; padding: 22px; }
  .product-number { top: 18px; right: 18px; }
  .icon-orb { width: 54px; height: 54px; grid-row: span 2; margin: 0; }
  .product-card h3 { margin: 5px 30px 8px 0; }
  .product-card p { grid-column: 2; margin: 0 0 12px; }
  .product-card .text-link { position: static; grid-column: 2; }
  .consulting-feature { grid-template-columns: 1fr; }
  .consulting-photo { height: 290px; }
  .consulting-copy { padding: 70px 20px; }
  .services-list { border-top: 0; }
  .service-card, .services-detail .service-card { grid-template-columns: 38px 54px minmax(0, 1fr); gap: 13px; padding: 25px 0; }
  .service-card:hover { padding-left: 0; }
  .service-icon { width: 44px; height: 44px; border-radius: 12px; }
  .service-icon svg { width: 24px; height: 24px; }
  .service-card h3 { font-size: 19px; }
  .service-card p { font-size: 14px; }
  .about-image-wrap { min-height: 400px; padding: 20px 0 0 20px; }
  .about-image-wrap img { height: 370px; }
  .image-stamp { width: 94px; height: 94px; padding-left: 15px; font-size: 12px; }
  .quote-section { padding: 76px 0; }
  .quote-panel, .career-panel { padding: 25px 20px; }
  .form-grid { grid-template-columns: 1fr; gap: 15px; }
  .form-full { grid-column: auto; }
  .footer-top { grid-template-columns: 1fr; gap: 35px; padding: 59px 0 42px; }
  .footer-bottom { flex-direction: column; padding: 18px 0; }
  .page-hero, .page-hero-copy { min-height: 635px; }
  .page-hero-copy { align-items: center; padding: 120px 0 35px; }
  .page-hero h1 { font-size: clamp(39px, 11vw, 60px); }
  .page-hero p:not(.eyebrow) { font-size: 15px; }
  .page-hero-image img { object-position: 68% center; }
  .chapter-label { padding-top: 0; }
  .long-copy > p:not(.eyebrow) { font-size: 15px; line-height: 1.75; }
  .values-band { padding: 72px 0; }
  .values-grid { grid-template-columns: 1fr; gap: 12px; margin-top: 28px; }
  .values-grid > div { padding: 23px; }
  .split-heading.compact { grid-template-columns: 1fr; }
  .service-closer { padding: 71px 0; }
  .service-closer-grid { grid-template-columns: 1fr; gap: 23px; }
  .career-copy { padding-top: 0; }
  .email-callout { padding: 15px; }
  .email-callout span { font-size: 12px; }
}

@media (max-width: 390px) {
  .container { width: calc(100% - 32px); }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 17px; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .partner-logo { min-height: 82px; }
  .product-card { grid-template-columns: 59px 1fr; padding: 18px; }
  .icon-orb { width: 46px; height: 46px; }
  .product-card h3 { font-size: 18px; }
}


/* Seguro dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-row { display: flex; align-items: center; gap: 3px; }
.nav-dropdown .nav-link { display: inline-block; }
.dropdown-toggle { display: none; color: currentColor; border: 0; background: transparent; font-size: 18px; line-height: 1; }
.insurance-submenu { position: absolute; top: calc(100% + 18px); right: -24px; display: grid; width: 420px; grid-template-columns: repeat(2, 1fr); gap: 7px; padding: 17px; visibility: hidden; border: 1px solid rgba(255,255,255,.18); opacity: 0; background: rgba(4, 29, 46, .97); box-shadow: 0 20px 48px rgba(0,0,0,.2); transform: translateY(8px); transition: opacity .2s, transform .2s, visibility .2s; }
.insurance-submenu::before { position: absolute; top: -7px; right: 38px; width: 13px; height: 13px; background: rgba(4, 29, 46, .97); content: ''; transform: rotate(45deg); }
.nav-dropdown:hover .insurance-submenu, .nav-dropdown:focus-within .insurance-submenu, .nav-dropdown.is-open .insurance-submenu { visibility: visible; opacity: 1; transform: translateY(0); }
.submenu-heading { grid-column: 1 / -1; padding: 4px 7px 12px; border-bottom: 1px solid rgba(255,255,255,.14); }
.submenu-heading span, .submenu-heading small { display: block; }
.submenu-heading span { color: #82e4fb; font-family: 'DM Mono', monospace; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; }
.submenu-heading small { margin-top: 3px; color: rgba(255,255,255,.64); font-size: 11px; }
.insurance-submenu > a:not(.submenu-all) { display: flex; min-height: 57px; align-items: center; gap: 9px; padding: 8px; color: rgba(255,255,255,.83); border: 1px solid transparent; transition: border-color .2s, background .2s, color .2s; }
.insurance-submenu > a:not(.submenu-all):hover { color: var(--white); border-color: rgba(22,183,236,.45); background: rgba(22,183,236,.1); }
.submenu-icon { display: flex; width: 28px; height: 28px; align-items: center; justify-content: center; color: var(--cyan); border: 1px solid rgba(22,183,236,.35); border-radius: 50%; }
.submenu-icon svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5; }
.insurance-submenu > a:not(.submenu-all) strong, .insurance-submenu > a:not(.submenu-all) small { display: block; line-height: 1.2; }
.insurance-submenu > a:not(.submenu-all) strong { font-size: 12px; }
.insurance-submenu > a:not(.submenu-all) small { margin-top: 3px; color: rgba(255,255,255,.48); font-size: 9px; }
.insurance-submenu > a:not(.submenu-all) > svg { width: 13px; margin-left: auto; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6; }
.submenu-all { grid-column: 1 / -1; display: flex; align-items: center; justify-content: space-between; padding: 11px 7px 2px; color: var(--cyan); font-size: 11px; font-weight: 800; }
.submenu-all svg { width: 16px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6; }

/* Added home sections */
.trust-strip { color: var(--white); background: var(--teal); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { display: flex; min-height: 132px; flex-direction: column; justify-content: center; padding: 20px 25px; border-right: 1px solid rgba(255,255,255,.2); }
.trust-grid > div:first-child { border-left: 1px solid rgba(255,255,255,.2); }
.trust-grid strong { color: #b1f0ff; font-family: 'Playfair Display', serif; font-size: 36px; line-height: 1; }
.trust-grid span { margin-top: 8px; color: rgba(255,255,255,.8); font-family: 'DM Mono', monospace; font-size: 10px; letter-spacing: .03em; text-transform: uppercase; }
.process-section { padding: 118px 0; background: var(--white); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.process-grid > div { position: relative; min-height: 220px; padding: 27px; border: 1px solid var(--line); background: var(--mist); transition: transform .25s, border-color .25s; }
.process-grid > div:hover { border-color: var(--cyan); transform: translateY(-5px); }
.process-grid span { color: var(--teal); font-family: 'DM Mono', monospace; font-size: 11px; }
.process-grid h3 { margin-top: 43px; font-size: 22px; }
.process-grid p { margin-bottom: 0; color: var(--muted); font-size: 14px; }
.faq-section { padding: 118px 0; background: var(--mist); }
.faq-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 95px; align-items: start; }
.faq-layout > div:first-child > p:not(.eyebrow) { max-width: 340px; color: var(--muted); font-size: 14px; }
.faq-layout > div:first-child .text-link { margin-top: 18px; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 21px 0; color: var(--navy); cursor: pointer; font-size: 16px; font-weight: 700; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary b { display: flex; width: 25px; height: 25px; flex-shrink: 0; align-items: center; justify-content: center; color: var(--teal); border: 1px solid #b7dce3; border-radius: 50%; font-size: 18px; font-weight: 400; transition: transform .2s, color .2s; }
.faq-item[open] summary b { color: var(--white); background: var(--teal); transform: rotate(45deg); }
.faq-item p { max-width: 640px; margin: -4px 50px 22px 0; color: var(--muted); font-size: 14px; }

/* Individual insurance pages */
.product-intro { padding: 105px 0; background: var(--white); }
.product-intro-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 80px; align-items: end; }
.product-intro-grid > p { max-width: 360px; margin: 0 0 7px; color: var(--muted); font-size: 17px; }
.coverage-section { padding: 115px 0; background: var(--mist); }
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.coverage-grid > div { padding: 26px; border: 1px solid var(--line); background: var(--white); }
.coverage-grid > div > span { color: var(--teal); font-family: 'DM Mono', monospace; font-size: 11px; }
.coverage-grid .icon-orb { margin: 28px 0 24px; }
.coverage-grid h3 { margin-bottom: 12px; font-size: 20px; }
.coverage-grid p { margin: 0; color: var(--muted); font-size: 13px; }
.product-detail-page .faq-section { background: var(--white); }

@media (max-width: 780px) {
  .nav-dropdown { width: 100%; }
  .nav-dropdown-row { justify-content: space-between; width: 100%; }
  .dropdown-toggle { display: block; }
  .insurance-submenu { position: static; display: none; width: 100%; grid-template-columns: 1fr; margin: 8px 0 5px; padding: 10px; opacity: 1; visibility: visible; background: rgba(255,255,255,.06); box-shadow: none; transform: none; }
  .insurance-submenu::before { display: none; }
  .nav-dropdown.is-open .insurance-submenu { display: grid; }
  .submenu-heading { padding-bottom: 9px; }
  .insurance-submenu > a:not(.submenu-all) { min-height: 45px; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid > div { min-height: 108px; padding: 18px; }
  .trust-grid > div:nth-child(3) { border-left: 1px solid rgba(255,255,255,.2); }
  .trust-grid strong { font-size: 30px; }
  .process-section, .faq-section, .product-intro, .coverage-section { padding: 76px 0; }
  .process-grid, .faq-layout, .product-intro-grid, .coverage-grid { grid-template-columns: 1fr; gap: 13px; }
  .process-grid > div { min-height: 180px; }
  .process-grid h3 { margin-top: 28px; }
  .faq-layout { gap: 42px; }
  .faq-item summary { font-size: 14px; }
  .faq-item p { margin-right: 0; font-size: 13px; }
}