/* ════════════════════════════════════════════════════════════════
   KIVULINK v5 — White · Brand Navy #102D4D · Champagne Gold
   Type: Cormorant Garamond (display) + Outfit (body)
   ════════════════════════════════════════════════════════════════ */
:root{
  --navy:#102D4D;
  --navy-deep:#0A1F38;
  --navy-soft:#1B3D63;
  --ink:#1A2735;
  --ink-mid:#3D4C5E;
  --ink-soft:#5B6B7D;
  --white:#FFFFFF;
  --off:#F6F8FB;
  --line:#DFE6EE;
  --line-navy:rgba(255,255,255,.14);
  --gold:#C9A35C;
  --gold-hi:#E9D7A0;
  --gold-deep:#8A6B30;
  --gold-grad:linear-gradient(128deg,#EBDCA8 0%,#D9BC78 38%,#C39B4F 72%,#B58E45 100%);
  --wa:#168F44;
  --shadow-sm:0 1px 2px rgba(16,45,77,.06),0 2px 8px rgba(16,45,77,.06);
  --shadow-md:0 4px 14px rgba(16,45,77,.10),0 14px 38px rgba(16,45,77,.12);
  --shadow-lg:0 10px 30px rgba(7,20,38,.28),0 30px 70px rgba(7,20,38,.30);
  --r-sm:6px; --r-md:10px; --r-lg:16px;
  --sans:'Outfit',system-ui,sans-serif;
  --serif:'Cormorant Garamond',Georgia,serif;
  --logo:url('/img/logo.jpg');
  --logo-lg:url('/img/logo-lg.jpg');
  --noise:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.05'/%3E%3C/svg%3E");
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001s!important;transition-duration:.001s!important}
}
body{font-family:var(--sans);color:var(--ink);background:var(--white);font-size:16.5px;line-height:1.65;font-weight:400;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
section{scroll-margin-top:92px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold-grad);color:var(--navy-deep);padding:12px 20px;font-weight:600;z-index:300;border-radius:0 0 8px 0}
.skip:focus{left:0}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.eyebrow{font-size:.74rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep)}
.eyebrow.on-dark{color:var(--gold-hi)}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;color:var(--navy);letter-spacing:.005em}
.h2{font-size:clamp(1.9rem,3.4vw,2.7rem);margin:10px 0 0}
.sec-sub{max-width:660px;color:var(--ink-mid);margin-top:14px;font-weight:300;font-size:1.02rem}
.gold-rule{width:64px;height:2px;background:var(--gold-grad);margin-top:18px;border-radius:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:13px 26px;border-radius:var(--r-sm);font-family:var(--sans);font-size:.95rem;font-weight:600;letter-spacing:.01em;cursor:pointer;border:1px solid transparent;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s}
.btn:active{transform:translateY(1px)}
.btn strong{font-weight:700;letter-spacing:.02em}
.btn-gold{background:var(--gold-grad);color:var(--navy-deep);box-shadow:0 2px 10px rgba(180,142,69,.35)}
.btn-gold:hover{box-shadow:0 6px 18px rgba(180,142,69,.45);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-soft);transform:translateY(-1px);box-shadow:0 6px 16px rgba(16,45,77,.28)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-line{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-line:hover{border-color:var(--navy)}
.btn-wa{background:var(--wa);color:#fff}
.btn-wa:hover{background:#0F7A38}
.btn-sm{min-height:46px;padding:11px 20px;font-size:.9rem}
.ico{width:18px;height:18px;flex:none}
/* ── Header ── */
header{position:fixed;inset:0 0 auto;z-index:120;background:var(--navy);transition:box-shadow .25s}
header.scrolled{box-shadow:0 6px 24px rgba(7,20,38,.35)}
.hd-in{max-width:1280px;margin:0 auto;padding:0 22px;height:74px;display:flex;align-items:center;gap:26px}
.brand{display:flex;align-items:center;min-width:0}
.brand-img{width:172px;height:55px;background:var(--navy) var(--logo) center/contain no-repeat;mix-blend-mode:lighten;flex:none}
.hd-nav{display:flex;gap:28px;margin-left:8px}
.hd-nav a{color:rgba(255,255,255,.82);font-size:.92rem;font-weight:500;padding:8px 2px;position:relative}
.hd-nav a::after{content:"";position:absolute;left:0;right:100%;bottom:2px;height:2px;background:var(--gold-grad);transition:right .25s}
.hd-nav a:hover{color:#fff}
.hd-nav a:hover::after{right:0}
.hd-cta{margin-left:auto;display:flex;align-items:center;gap:18px}
.hd-tel{display:flex;align-items:center;gap:8px;color:#fff;font-weight:600;font-size:.97rem;padding:10px 4px;white-space:nowrap}
.hd-tel .ico{color:var(--gold-hi)}
.hd-quote{min-height:46px;padding:11px 22px}
.ham{display:none;background:none;border:0;width:48px;height:48px;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.ham span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:.25s}
#sheet{position:fixed;inset:0;background:var(--navy-deep);z-index:200;transform:translateX(100%);transition:transform .32s cubic-bezier(.2,.8,.2,1);display:flex;flex-direction:column;padding:18px 24px calc(24px + env(safe-area-inset-bottom));overflow-y:auto}
#sheet.open{transform:none}
.sheet-top{display:flex;align-items:center;justify-content:space-between;height:56px}
.sheet-logo{width:150px;height:48px;background:var(--navy-deep) var(--logo) left center/contain no-repeat;mix-blend-mode:lighten}
.sheet-x{background:none;border:0;color:#fff;font-size:1.5rem;width:48px;height:48px;cursor:pointer}
.sheet-nav{display:flex;flex-direction:column;margin-top:18px}
.sheet-nav a{color:#fff;font-family:var(--serif);font-size:1.5rem;font-weight:600;padding:13px 0;border-bottom:1px solid var(--line-navy)}
.sheet-nav a small{display:block;font-family:var(--sans);font-size:.78rem;font-weight:400;color:rgba(255,255,255,.55);letter-spacing:.04em}
.sheet-ctas{margin-top:auto;display:flex;flex-direction:column;gap:12px;padding-top:26px}
/* ── Hero (white, edge-bleed image) ── */
#hero{background:#fff;border-bottom:1px solid var(--line);overflow:hidden}
.hero-grid{position:relative;display:flex;align-items:center;min-height:clamp(620px,92svh,880px)}
.hero-copy-wrap{display:flex;align-items:center;padding:128px 56px 64px max(24px,calc((100vw - 1180px)/2));position:relative;z-index:2;width:100%}
.hero-copy{max-width:530px;width:100%}
.hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.74rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-hi)}
.hero-eyebrow::before{content:"";width:34px;height:1px;background:var(--gold-grad)}
.hero-copy h1{color:#fff;font-size:clamp(2.25rem,4.4vw,3.5rem);margin:16px 0 0;font-weight:600;text-shadow:0 2px 26px rgba(4,12,22,.5)}
.hero-copy h1 em{font-style:italic;color:var(--gold-hi)}
.hero-sub{margin-top:16px;max-width:470px;color:rgba(255,255,255,.92);font-weight:300;font-size:1.07rem;line-height:1.7;text-shadow:0 1px 14px rgba(4,12,22,.45)}
.hero-acts{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.hero-fig{position:absolute;inset:0;z-index:0;overflow:hidden}
.hero-fig img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.hero-fig::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(6,19,34,.92) 0%,rgba(8,26,46,.72) 44%,rgba(10,31,56,.36) 78%,rgba(10,31,56,.24) 100%)}
.qcard{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:30px 28px 26px;color:var(--ink);position:relative}
.qcard::before{content:"";position:absolute;top:0;left:24px;right:24px;height:3px;background:var(--gold-grad);border-radius:0 0 4px 4px}
.qcard h2{font-size:1.62rem;font-weight:700}
.qcard .qsub{font-size:.88rem;color:var(--ink-soft);margin-top:6px;font-weight:300}
.fg{margin-top:14px}
.fg label{display:block;font-size:.78rem;font-weight:600;letter-spacing:.04em;color:var(--ink-mid);margin-bottom:6px}
.fg input,.fg select{width:100%;height:52px;border:1px solid var(--line);border-radius:var(--r-sm);padding:0 14px;font-family:var(--sans);font-size:16px;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s;appearance:none}
.fg select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%233D4C5E' stroke-width='1.6' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.fg input:focus,.fg select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(16,45,77,.12)}
.fg-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.privacy{display:flex;gap:8px;align-items:flex-start;font-size:.76rem;color:var(--ink-soft);margin-top:13px;line-height:1.5}
.privacy svg{width:13px;height:13px;flex:none;margin-top:2px;color:var(--gold-deep)}
.qsubmit{width:100%;margin-top:16px;font-size:1rem}
.qalt{text-align:center;font-size:.8rem;color:var(--ink-soft);margin-top:13px}
.qalt a{font-weight:600;color:var(--navy);border-bottom:1px solid var(--gold)}
.qdone{display:none;text-align:center;padding:34px 6px}
.qdone .ok{width:60px;height:60px;border-radius:50%;background:var(--gold-grad);display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
.qdone .ok svg{width:28px;height:28px;color:var(--navy-deep)}
.qdone h3{font-size:1.5rem}
.qdone p{font-size:.92rem;color:var(--ink-mid);margin-top:10px;font-weight:300}
.form-shell.sent form{display:none}
.form-shell.sent .qdone{display:block}
/* ── Stats ── */
#stats{background:#fff;border-bottom:1px solid var(--line)}
.stats-in{max-width:1180px;margin:0 auto;padding:34px 24px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{text-align:center;padding:6px 8px}
.stat b{display:block;font-family:var(--serif);font-size:2.3rem;font-weight:700;color:var(--navy);line-height:1}
.stat span{display:block;font-size:.8rem;color:var(--ink-soft);margin-top:7px;font-weight:400}
.stat + .stat{border-left:1px solid var(--line)}
/* ── Services ── */
#services{background:var(--off);padding:88px 0 92px}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:42px}
.svc{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;cursor:pointer;text-align:left;padding:0;font-family:var(--sans);transition:transform .2s,box-shadow .2s,border-color .2s;position:relative;display:block;width:100%}
.svc:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.svc.active{border-color:var(--gold);box-shadow:var(--shadow-md)}
.svc.active::after{content:"";position:absolute;inset:auto 0 0;height:3px;background:var(--gold-grad)}
.svc-img{height:112px;overflow:hidden;background:var(--navy);display:block}
.svc-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s}
.svc:hover .svc-img img{transform:scale(1.06)}
.svc-b{padding:16px 20px 18px;display:block}
.svc-head{display:flex;align-items:center;gap:12px}
.svc-ico{width:44px;height:44px;border-radius:12px;background:#F6EFDC;color:var(--navy);display:flex;align-items:center;justify-content:center;flex:none}
.svc-ico svg{width:23px;height:23px}
.svc-b h3{font-size:1.2rem;font-weight:700}
.svc-b p{font-size:.86rem;color:var(--ink-mid);margin-top:7px;font-weight:300;line-height:1.6}
.svc-go{display:inline-flex;align-items:center;gap:6px;font-size:.8rem;font-weight:600;color:var(--gold-deep);margin-top:12px;letter-spacing:.03em}
.panel{display:none;margin-top:34px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);grid-template-columns:1.15fr .85fr;overflow:hidden}
.panel.active{display:grid}
.pl{padding:38px 40px}
.pl h3{font-size:1.8rem;font-weight:700}
.pl p{margin-top:14px;color:var(--ink-mid);font-weight:300;font-size:.97rem}
.pl .panel-acts{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.pr{background:var(--off);border-left:1px solid var(--line);padding:34px 36px}
.pr h4{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft)}
.opt{display:flex;gap:12px;padding:13px 0;border-bottom:1px solid var(--line)}
.opt:last-of-type{border-bottom:0}
.opt-i{width:7px;height:7px;border-radius:50%;background:var(--gold-grad);margin-top:8px;flex:none}
.opt b{display:block;font-size:.92rem;font-weight:600;color:var(--navy)}
.opt small{display:block;font-size:.8rem;color:var(--ink-soft);font-weight:300;margin-top:2px}
.pnote{margin-top:18px;background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--r-sm);padding:14px 16px;font-size:.82rem;color:var(--ink-mid);line-height:1.6}
.pnote b{color:var(--navy)}
/* ── Tax band ── */
#tax{background:#fff;padding:88px 0}
.tax-in{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center}
.tax-fig{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-md);aspect-ratio:4/3.4}
.tax-fig img{width:100%;height:100%;object-fit:cover}
.tax-fig::after{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(16,45,77,0) 55%,rgba(16,45,77,.38))}
.tax-badge{position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.95);border-radius:var(--r-sm);padding:10px 16px;font-size:.78rem;font-weight:600;color:var(--navy);box-shadow:var(--shadow-sm);z-index:2}
.tax-list{margin-top:22px;display:grid;gap:13px}
.tax-li{display:flex;gap:12px;font-size:.95rem;color:var(--ink-mid)}
.tax-li svg{width:18px;height:18px;color:var(--gold-deep);flex:none;margin-top:3px}
.tax-li b{color:var(--navy);font-weight:600}
.tax-acts{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
/* ── Carriers ── */
#carriers{background:var(--off);padding:84px 0 70px;border-top:1px solid var(--line)}
.mq-lbl{margin-top:44px;font-size:.74rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft);text-align:center}
.mq.rev .mq-track{animation-direction:reverse}
.chip.dk{background:#0A0F16;border-color:#1A2430;width:auto;min-width:120px;padding:12px 22px}
.chip.dk img{max-height:44px;max-width:150px}
.mq{margin-top:22px;overflow:hidden;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.mq-track{display:flex;gap:14px;width:max-content;animation:mq 52s linear infinite}
.mq:hover .mq-track{animation-play-state:paused}
@keyframes mq{to{transform:translateX(-50%)}}
.chip{background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);height:72px;width:148px;flex:none;display:flex;align-items:center;justify-content:center;padding:12px 18px}
.chip img{max-height:42px;max-width:112px;object-fit:contain}
/* ── Why / founder ── */
#why{background:var(--navy);color:#fff;padding:96px 0;position:relative}
#why::before{content:"";position:absolute;inset:0;background-image:var(--noise)}
#why .wrap{position:relative}
#why .h2{color:#fff}
.why-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:64px;margin-top:48px;align-items:start}
.fcard{background:var(--navy-deep);border:1px solid var(--line-navy);border-radius:var(--r-lg);overflow:hidden}
.fcard img{width:100%;aspect-ratio:3/3.6;object-fit:cover;object-position:top}
.fmeta{padding:22px 24px 26px}
.fname{font-family:var(--serif);font-size:1.55rem;font-weight:700}
.frole{font-size:.8rem;color:rgba(255,255,255,.62);margin-top:4px}
.fcreds{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.cred{font-size:.7rem;font-weight:600;letter-spacing:.05em;border:1px solid var(--line-navy);border-radius:99px;padding:5px 12px;color:var(--gold-hi)}
.pillar{display:flex;gap:20px;padding:21px 0;border-bottom:1px solid var(--line-navy)}
.pillar:first-child{padding-top:4px}
.pillar-n{font-family:var(--serif);font-size:1.5rem;font-weight:600;color:var(--gold-hi);width:38px;flex:none;line-height:1.2}
.pillar h3{color:#fff;font-family:var(--sans);font-size:1.02rem;font-weight:600}
.pillar p{font-size:.88rem;color:rgba(255,255,255,.68);font-weight:300;margin-top:5px;line-height:1.65}
.langs{margin-top:26px}
.langs .lbl{font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.lang-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.lang{font-size:.78rem;border:1px solid var(--line-navy);border-radius:99px;padding:6px 14px;color:rgba(255,255,255,.85)}
.quote-blk{margin-top:30px;border-left:2px solid var(--gold);padding:6px 0 6px 22px;font-family:var(--serif);font-size:1.32rem;font-style:italic;color:var(--gold-hi);line-height:1.5}
.quote-blk cite{display:block;font-family:var(--sans);font-style:normal;font-size:.78rem;color:rgba(255,255,255,.6);margin-top:10px}
/* ── Reviews ── */
#reviews{background:#fff;padding:58px 0}
.g-row{display:flex;align-items:center;gap:9px;margin-top:14px;font-size:.85rem;font-weight:600}
.rev-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:24px;max-width:880px}
.rev{background:var(--off);border:1px solid var(--line);border-radius:var(--r-md);padding:20px 22px 18px;display:flex;flex-direction:column}
.rev.hi{background:var(--navy);border-color:var(--navy);color:#fff}
.stars{color:var(--gold);letter-spacing:3px;font-size:.95rem}
.rev p{font-family:var(--serif);font-size:1.05rem;font-style:italic;line-height:1.5;margin-top:9px;flex:1}
.rev.hi p{color:#fff}
.rev-n{font-weight:600;font-size:.9rem;margin-top:18px}
.rev-b{font-size:.74rem;color:var(--ink-soft);margin-top:3px}
.rev.hi .rev-b{color:rgba(255,255,255,.6)}
.rev-more{margin-top:16px;font-size:.86rem;color:var(--ink-mid)}
.rev-more a{font-weight:600;border-bottom:1px solid var(--gold)}
/* ── Quote section ── */
#quote-sec{background:var(--navy);color:#fff;padding:78px 0;position:relative;overflow:hidden}
#quote-sec::before{content:"";position:absolute;inset:0;background-image:var(--noise)}
#quote-sec::after{content:"";position:absolute;left:-140px;bottom:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,163,92,.16),transparent 65%)}
.quote-grid{position:relative;display:grid;grid-template-columns:1fr minmax(340px,440px);gap:56px;align-items:center;z-index:2}
#quote-sec .h2{color:#fff}
#quote-sec .sec-sub{color:rgba(255,255,255,.78)}
#quote{scroll-margin-top:110px}
.q-points{margin-top:24px;display:grid;gap:12px}
.q-pt{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;color:rgba(255,255,255,.82)}
.q-pt svg{width:16px;height:16px;color:var(--gold-hi);flex:none;margin-top:3px}
/* ── Partners ── */
#partners{background:var(--off);padding:78px 0;border-top:1px solid var(--line)}
.pt-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:20px;margin-top:36px;align-items:stretch}
.pt-card{border-radius:var(--r-lg);padding:32px 30px;position:relative;overflow:hidden}
.pt-card.refer{background:var(--navy);color:#fff}
.pt-card.refer::after{content:"";position:absolute;right:-120px;top:-120px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(201,163,92,.2),transparent 65%)}
.pt-ico{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.pt-card.refer .pt-ico{background:rgba(233,215,160,.16);color:var(--gold-hi)}
.pt-card.agent .pt-ico{background:#F6EFDC;color:var(--navy)}
.pt-ico svg{width:24px;height:24px}
.pt-card h3{font-size:1.6rem}
.pt-card.refer h3{color:#fff}
.pt-card p{font-size:.92rem;font-weight:300;margin-top:10px;line-height:1.65}
.pt-card.refer p{color:rgba(255,255,255,.78)}
.pt-card.agent{background:#fff;border:1px solid var(--line)}
.pt-card.agent p{color:var(--ink-mid)}
.pt-note{position:relative;font-size:.78rem;color:rgba(255,255,255,.6);margin-top:14px;z-index:2}
.pt-acts{margin-top:22px;position:relative;z-index:2}
.agent-form .fg{margin-top:11px}
.agent-form .qsubmit{margin-top:14px}
/* ── FAQ ── */
#faq{background:var(--off);padding:88px 0;border-top:1px solid var(--line)}
.faq-list{margin-top:38px;max-width:840px}
.fq{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);margin-bottom:12px;overflow:hidden}
.fq-q{width:100%;background:none;border:0;display:flex;justify-content:space-between;align-items:center;gap:16px;text-align:left;padding:19px 22px;font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--navy);cursor:pointer;min-height:56px}
.fq-q .pm{width:26px;height:26px;border-radius:50%;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;flex:none;font-size:1rem;color:var(--gold-deep);transition:transform .25s,background .25s}
.fq.open .pm{transform:rotate(45deg);background:var(--gold-grad);color:var(--navy-deep);border-color:transparent}
.fq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.fq-a p{padding:0 22px 21px;font-size:.93rem;color:var(--ink-mid);font-weight:300;line-height:1.7}
/* ── Additional services ── */
#more{background:#fff;padding:58px 0;border-top:1px solid var(--line)}
.more-grid{display:flex;flex-wrap:wrap;gap:14px 36px;margin-top:20px}
.more-i{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--ink-mid);max-width:330px}
.more-i svg{width:17px;height:17px;color:var(--gold-deep);flex:none;margin-top:3px}
.more-i b{color:var(--navy);font-weight:600}
.legal-note{margin-top:26px;border-left:3px solid var(--gold);background:var(--off);border-radius:var(--r-sm);padding:15px 18px;font-size:.81rem;color:var(--ink-mid);line-height:1.65;max-width:840px}
/* ── Footer ── */
footer{background:var(--navy-deep);color:rgba(255,255,255,.75);border-top:1px solid var(--line-navy)}
.ft-main{max-width:1180px;margin:0 auto;padding:64px 24px 40px;display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px}
.ft-logo{width:236px;height:120px;background:var(--navy-deep) var(--logo-lg) left center/contain no-repeat;mix-blend-mode:lighten;margin:-16px 0 4px -6px}
.ft-tag{font-family:var(--serif);font-style:italic;font-size:1.05rem;color:var(--gold-hi)}
.ft-desc{font-size:.86rem;font-weight:300;margin-top:12px;line-height:1.7;color:rgba(255,255,255,.62)}
.ft-c{display:flex;gap:11px;margin-top:16px;font-size:.88rem;align-items:flex-start}
.ft-c svg{width:16px;height:16px;color:var(--gold-hi);flex:none;margin-top:3px}
.ft-c a{color:#fff;font-weight:500}
footer h5{font-family:var(--sans);font-size:.75rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-hi);margin-bottom:16px}
.ft-col a{display:block;color:rgba(255,255,255,.72);font-size:.88rem;padding:6px 0;font-weight:300}
.ft-col a:hover{color:#fff}
.ft-bar{border-top:1px solid var(--line-navy)}
.ft-bar-in{max-width:1180px;margin:0 auto;padding:18px 24px;display:flex;flex-wrap:wrap;gap:8px 26px;justify-content:space-between;font-size:.76rem;color:rgba(255,255,255,.55)}
.ft-legal{max-width:1180px;margin:0 auto;padding:0 24px 110px;font-size:.7rem;line-height:1.7;color:rgba(255,255,255,.42)}
/* ── Mobile bar ── */
#mbar{position:fixed;left:0;right:0;bottom:0;z-index:110;display:none;background:rgba(10,31,56,.97);backdrop-filter:blur(8px);border-top:1px solid var(--line-navy);padding:10px 12px calc(10px + env(safe-area-inset-bottom));opacity:0;pointer-events:none;transition:opacity .25s}
#mbar.show{opacity:1;pointer-events:auto}
.mbar-in{display:grid;grid-template-columns:1fr 1fr;gap:10px;max-width:560px;margin:0 auto}
.mbar-btn{min-height:52px;display:flex;align-items:center;justify-content:center;gap:9px;border-radius:var(--r-sm);font-weight:600;font-size:.95rem;color:#fff}
.mbar-btn.call{background:var(--gold-grad);color:var(--navy-deep)}
.mbar-btn.wa{background:var(--wa)}
.rv{opacity:0;transform:translateY(20px);transition:opacity .65s ease,transform .65s ease}
.rv.in{opacity:1;transform:none}
/* ── Responsive ── */
@media(max-width:1080px){
  .hd-nav{display:none}
  .hero-copy-wrap{padding:124px 24px 44px}
  .hero-fig::before{background:linear-gradient(180deg,rgba(6,19,34,.86) 0%,rgba(8,24,42,.52) 55%,rgba(6,18,31,.52) 100%)}
  .quote-grid{grid-template-columns:1fr;gap:40px}
  .qcard{max-width:560px}
  .pt-grid{grid-template-columns:1fr}
  .why-grid{grid-template-columns:1fr;gap:44px}
  .fcard{max-width:420px}
  .tax-in{grid-template-columns:1fr;gap:40px}
}
@media(max-width:880px){
  .ham{display:flex}
  .hd-tel span{display:none}
  .hd-tel{padding:10px}
  .svc-grid{grid-template-columns:repeat(2,1fr);gap:12px;margin-top:28px}
  .svc-img{display:none}
  .svc-b{display:flex;flex-direction:column;align-items:center;text-align:center;padding:18px 10px 16px}
  .svc-head{flex-direction:column;gap:10px}
  .svc-b p,.svc-go{display:none}
  .svc-b h3{font-size:.98rem}
  .panel{grid-template-columns:1fr}
  .pr{border-left:0;border-top:1px solid var(--line)}
  .rev-grid{grid-template-columns:1fr;max-width:560px}
  .stats-in{grid-template-columns:repeat(2,1fr);gap:24px 12px}
  .stat:nth-child(3){border-left:0}
  .ft-main{grid-template-columns:1fr 1fr;gap:36px}
  #mbar{display:block}
}
@media(max-width:560px){
  body{font-size:16px}
  .hd-in{height:66px;gap:12px}
  .brand-img{width:148px;height:48px}
  .hd-quote{padding:10px 14px;font-size:.82rem;min-height:44px}
  .hero-copy-wrap{padding:100px 20px 30px}
  .hero-copy h1{font-size:2.05rem}
  .hero-sub{font-size:.98rem}
  .hero-acts .btn{width:100%}
  #quote-sec,#partners{padding:58px 0}
  .pt-card{padding:26px 22px}
  .qcard{padding:24px 20px 22px}
  .fg-row{grid-template-columns:1fr}
  .svc-grid{grid-template-columns:1fr}
  .svc-img{height:150px}
  .pl{padding:28px 22px}
  .pr{padding:26px 22px}
  .panel-acts .btn,.tax-acts .btn{width:100%}
  .ft-main{grid-template-columns:1fr;gap:30px;padding-top:48px}
  .ft-legal{padding-bottom:130px}
}
/* ── Nav dropdown ── */
.dd{position:relative}
.dd-btn{display:flex;align-items:center;gap:6px;background:none;border:0;color:rgba(255,255,255,.82);font-family:var(--sans);font-size:.92rem;font-weight:500;padding:8px 2px;cursor:pointer}
.dd-btn:hover{color:#fff}
.dd-btn svg{width:11px;height:11px;transition:transform .2s}
.dd:hover .dd-btn svg,.dd.open .dd-btn svg{transform:rotate(180deg)}
.dd-menu{position:absolute;top:calc(100% + 12px);left:-12px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-md);min-width:236px;padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .18s,transform .18s,visibility .18s;z-index:130}
.dd-menu::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
.dd:hover .dd-menu,.dd.open .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:flex;align-items:center;gap:11px;padding:10px 12px;border-radius:8px;font-size:.9rem;color:var(--ink);font-weight:500}
.dd-menu a:hover{background:var(--off)}
.dd-menu a svg{width:17px;height:17px;color:var(--gold-deep);flex:none}
.sheet-group{font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-hi);padding:18px 0 6px}
.sheet-nav a.sub{font-size:1.08rem;padding:10px 0 10px 14px;font-weight:500}

/* ── Homepage icon tiles ── */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:38px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px 18px 20px;display:flex;flex-direction:column;align-items:flex-start;gap:0;transition:transform .18s,box-shadow .18s,border-color .18s;position:relative}
.tile:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--gold)}
.tile .svc-ico{margin-bottom:14px}
.tile h3{font-size:1.18rem;font-weight:700}
.tile p{font-size:.82rem;color:var(--ink-soft);font-weight:300;margin-top:5px;line-height:1.55}
.tile .tile-go{display:inline-flex;align-items:center;gap:6px;font-size:.8rem;font-weight:600;color:var(--gold-deep);margin-top:13px;letter-spacing:.03em}
.tile:hover .tile-go{color:var(--navy)}

/* ── Subpage hero ── */
.page-hero{background:#fff;border-bottom:1px solid var(--line)}
.ph-in{max-width:1180px;margin:0 auto;padding:136px 24px 54px}
.ph-in h1{font-size:clamp(2.1rem,4vw,3.1rem);max-width:760px}
.ph-sub{margin-top:14px;max-width:620px;color:var(--ink-mid);font-weight:300;font-size:1.05rem;line-height:1.7}
.ph-acts{display:flex;flex-wrap:wrap;gap:13px;margin-top:24px}
.crumb{font-size:.78rem;color:var(--ink-soft);margin-bottom:14px}
.crumb a{color:var(--gold-deep);font-weight:600}

/* ── Coverage content split ── */
.cov{background:var(--off);padding:72px 0;border-bottom:1px solid var(--line)}
.cov-in{display:grid;grid-template-columns:1fr 1.05fr;gap:54px;align-items:start}
.cov-fig{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-md);aspect-ratio:4/3}
.cov-fig img{width:100%;height:100%;object-fit:cover}
.cov-list{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:8px 24px;margin-top:22px}
.trust-strip{background:#fff;padding:34px 0;border-bottom:1px solid var(--line)}
.ts-in{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;flex-wrap:wrap;gap:14px 44px;justify-content:center}
.ts-item{display:flex;align-items:center;gap:9px;font-size:.9rem;color:var(--ink-mid);font-weight:400}
.ts-item svg{width:16px;height:16px;color:var(--gold-deep);flex:none}

/* ── Founder strip (homepage) ── */
#founder-strip{background:#fff;padding:46px 0;border-top:1px solid var(--line)}
.fs-in{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.fs-in img{width:62px;height:62px;border-radius:50%;object-fit:cover;object-position:top;flex:none;box-shadow:var(--shadow-sm)}
.fs-q{font-family:var(--serif);font-style:italic;font-size:1.12rem;color:var(--navy);flex:1;min-width:260px}
.fs-link{font-size:.88rem;font-weight:600;color:var(--gold-deep);white-space:nowrap;border-bottom:1px solid var(--gold)}

@media(max-width:1080px){
  .cov-in{grid-template-columns:1fr;gap:36px}
}
@media(max-width:880px){
  .tiles{grid-template-columns:repeat(2,1fr);gap:12px}
  .tile{align-items:center;text-align:center;padding:20px 12px 18px}
  .tile p{display:none}
  .tile .tile-go{margin-top:10px}
  .tile h3{font-size:1rem}
}
@media(max-width:560px){
  .ph-in{padding:104px 20px 38px}
  .ph-acts .btn{width:100%}
  .tile{padding:18px 10px 16px}
  .cov{padding:54px 0}
  #founder-strip{padding:34px 0}
  .fs-q{font-size:1rem}
}

/* ── Credentials bar ── */
.cred-bar{background:#fff;border-bottom:1px solid var(--line)}
.cred-in{max-width:1180px;margin:0 auto;padding:13px 24px;display:flex;flex-wrap:wrap;gap:8px 30px;justify-content:center;align-items:center}
.cred-item{font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft);display:flex;align-items:center;gap:8px}
.cred-item svg{width:13px;height:13px;color:var(--gold-deep);flex:none}

/* ── Tile group labels ── */
.tile-lbl{grid-column:1/-1;font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft);margin:12px 0 -2px;display:flex;align-items:center;gap:14px}
.tile-lbl::after{content:"";flex:1;height:1px;background:var(--line)}
.tile-lbl:first-child{margin-top:0}

/* ── Carrier relations block (partners page) ── */
.pt-wide{grid-column:1/-1;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;display:grid;grid-template-columns:1.25fr .75fr;gap:30px;align-items:center}
.pt-wide h3{font-size:1.5rem}
.pt-wide p{font-size:.92rem;color:var(--ink-mid);font-weight:300;margin-top:10px;line-height:1.65}
.pt-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.badge-pill{font-size:.72rem;font-weight:600;letter-spacing:.06em;border:1px solid var(--line);border-radius:99px;padding:6px 13px;color:var(--navy);background:var(--off)}
@media(max-width:880px){.pt-wide{grid-template-columns:1fr;gap:18px}}
@media(max-width:560px){
  .cred-in{gap:6px 16px;padding:11px 14px}
  .cred-item{font-size:.62rem;letter-spacing:.1em}
  .pt-wide{padding:24px 20px}
}

/* ── Coverage Watch (updates carousel) ── */
.pulse{background:#fff;padding:78px 0}
.pulse-in{display:grid;grid-template-columns:1fr minmax(360px,480px);gap:56px;align-items:center}
.pulse-acts{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.pulse-stage{position:relative}
.pulse-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-md);padding:26px 26px 24px;min-height:276px;position:relative;transition:opacity .28s ease;display:flex;flex-direction:column;align-items:flex-start}
.pulse-card::before{content:"";position:absolute;top:0;left:22px;right:22px;height:3px;background:var(--gold-grad);border-radius:0 0 4px 4px}
.pulse-card.fade{opacity:0}
.pulse-tag{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;border-radius:99px;padding:5px 12px}
.tag-dl{background:var(--gold-grad);color:var(--navy-deep)}
.tag-rule{background:var(--navy);color:#fff}
.tag-rem{border:1px solid var(--line);color:var(--ink-mid)}
.pulse-date{font-size:.8rem;font-weight:700;color:var(--gold-deep);margin-top:12px;letter-spacing:.03em}
.pulse-card h3{font-size:1.32rem;font-weight:700;margin-top:8px;line-height:1.25}
.pulse-card p{font-size:.91rem;color:var(--ink-mid);font-weight:300;line-height:1.65;margin-top:9px}
.pulse-link{display:inline-flex;align-items:center;gap:6px;font-size:.85rem;font-weight:600;color:var(--navy);border-bottom:1px solid var(--gold);margin-top:auto;padding-top:14px}
.pulse-nav{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:14px}
.pn-btn{width:46px;height:46px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--navy);font-size:1.05rem;cursor:pointer;transition:border-color .18s,background .18s}
.pn-btn:hover{border-color:var(--gold);background:var(--off)}
.pulse-dots{display:flex;gap:7px;flex-wrap:wrap;justify-content:center}
.pulse-dots button{width:9px;height:9px;border-radius:50%;border:0;background:var(--line);cursor:pointer;padding:0;transition:background .2s,transform .2s}
.pulse-dots button.on{background:var(--gold-deep);transform:scale(1.25)}
.pulse-foot{font-size:.72rem;color:var(--ink-soft);margin-top:12px;text-align:center}
@media(max-width:1080px){.pulse-in{grid-template-columns:1fr;gap:36px}.pulse-stage{max-width:560px}}
@media(max-width:560px){.pulse{padding:56px 0}.pulse-card{padding:22px 18px 20px;min-height:312px}.pulse-acts .btn{width:100%}}

/* ── Hero countdown panel ── */
.hero-grid{position:relative}
.hero-count{position:absolute;left:calc(50% + 30px);bottom:26px;z-index:3;width:300px;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-md);padding:15px 18px 11px}
.hc-title{font-size:.65rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:7px}
.hc-row{display:flex;align-items:center;gap:10px;padding:8px 0;border-top:1px solid var(--line);font-size:.85rem}
.hc-row:first-child{border-top:0}
.hc-lbl{flex:1;color:var(--ink);font-weight:500}
.hc-n{font-weight:700;color:var(--navy);white-space:nowrap;font-size:.8rem}
.hc-n.now{color:var(--gold-deep)}
@media(max-width:1080px){.hero-count{position:relative;left:auto;right:auto;bottom:auto;width:100%;max-width:none;margin:20px 0 0;backdrop-filter:none}}

/* ── Compact quote section ── */
#quote-sec{padding:60px 0}
.quote-grid{gap:42px;align-items:center}
.q-points{display:flex;flex-wrap:wrap;gap:9px 22px;margin-top:20px}
.q-pt{font-size:.86rem}
.qcard{padding:26px 26px 22px}
.qcard h2{font-size:1.42rem}
.qsub{margin:6px 0 16px;font-size:.86rem}
.fg{margin-bottom:12px}
.privacy{margin:10px 0 12px}
.qalt{margin-top:12px;font-size:.8rem}
@media(max-width:560px){
  #quote-sec{padding:44px 0}
  .qcard{padding:22px 16px 18px}
  .quote-grid{gap:30px}
}

/* ── Subsidy calculator ── */
.calc-out{margin-top:18px;border:1px solid var(--line);border-left:5px solid var(--gold-deep);border-radius:var(--r-sm);padding:18px 18px 16px;background:#fff;text-align:left}
.calc-out.ok{border-left-color:#2E7D52;background:#F2FAF5}
.calc-out.warn{border-left-color:#B9892F;background:#FCF7EC}
.calc-out.bad{border-left-color:#B3402F;background:#FBF1EF}
.calc-out h4{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);margin:0 0 4px}
.calc-num{font-size:2.1rem;font-weight:800;letter-spacing:-.02em;color:var(--navy);margin:0 0 6px}
.calc-out.bad .calc-num{color:#B3402F}
.calc-out.warn .calc-num{color:#8A6210}
.calc-out.ok .calc-num{color:#2E7D52}
.calc-out p{font-size:.9rem;line-height:1.55;color:var(--ink-soft);margin:7px 0 0}
.calc-out .c8962{font-weight:600;color:var(--navy);border-top:1px dashed var(--line);padding-top:11px;margin-top:13px;font-size:.85rem}
.calc-acts{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:13px}
.calc-link{font-weight:600;font-size:.88rem;color:var(--navy);border-bottom:1px solid var(--gold);padding-bottom:1px}

/* ── Hero countdown: urgency treatment ── */
.hero-count{border-color:rgba(181,142,69,.6);overflow:hidden}
.hero-count::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--gold-grad)}
.hc-title{display:flex;align-items:center;gap:8px}
.hc-dot{width:8px;height:8px;border-radius:50%;background:var(--gold-deep);position:relative;flex:none}
.hc-dot::after{content:"";position:absolute;inset:-5px;border-radius:50%;border:2px solid var(--gold-deep);animation:hcping 1.8s cubic-bezier(.4,0,.6,1) infinite}
@keyframes hcping{0%{transform:scale(.45);opacity:.85}80%,100%{transform:scale(1.45);opacity:0}}
@media(prefers-reduced-motion:reduce){.hc-dot::after{animation:none;opacity:0}}
.hc-n{color:var(--gold-deep)}
.hc-n.now{background:var(--gold-grad);color:var(--navy-deep);padding:2px 10px;border-radius:99px}
.hc-cta{display:block;text-align:center;margin-top:9px;padding-top:9px;border-top:1px solid var(--line);font-size:.76rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--navy)}
.hc-cta:hover{color:var(--gold-deep)}

/* ── Hero: full-bleed cinematic, all devices ── */
.hero-acts .btn-navy{background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.5);color:#fff}
.hero-acts .btn-navy:hover{background:rgba(255,255,255,.16)}
@media(max-width:640px){
  .hero-copy-wrap{padding:112px 20px 40px}
}

/* ── Navy masthead: stats + credentials fuse with the hero ── */
#stats{background:linear-gradient(135deg,#0A1F38 0%,#102D4D 62%,#16365E 100%);border-top:1px solid rgba(217,188,120,.38);border-bottom:0}
.stat b{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat span{color:rgba(255,255,255,.78)}
.stat + .stat{border-left:1px solid var(--line-navy)}
.cred-bar{background:#081C30;border-bottom:1px solid rgba(217,188,120,.32)}
.cred-item{color:rgba(255,255,255,.78)}
.cred-item svg{color:var(--gold)}
#services{background:var(--off)}