/* ============================================
   CRESTPOINT — WARM MINIMAL THEME
   Shared stylesheet (homepage + inner pages)
   ============================================ */

:root{
  /* legacy var names kept, warm values so inline styles adopt the palette */
  --primary:#14202B;
  --primary-light:#22313E;
  --accent:#C2502A;
  --accent-hover:#A2401F;
  --accent-light:rgba(194,80,42,.10);
  --white:#FFFFFF;
  --off-white:#F4F3EF;
  --gray-100:#ECEBE6;
  --gray-200:#DEDCD5;
  --gray-300:#C9C6BD;
  --gray-500:#7A828A;
  --gray-700:#46505A;
  --gray-900:#14202B;
  --success:#3E7A64;

  /* warm system tokens */
  --bg:#F4F3EF; --bg2:#E9E7E1; --card:#FFFFFF;
  --ink:#14202B; --muted:#5B6570;
  --terra:#C2502A; --terra-d:#A2401F;
  --sage:#2F5D50; --peach:#E9B48F; --blush:#E4D5C7;
  --line:rgba(20,32,43,.14);

  --font-heading:'Archivo','Helvetica Neue',Arial,sans-serif;
  --font-body:'IBM Plex Sans',system-ui,-apple-system,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,Menlo,monospace;
  --display:'Archivo','Helvetica Neue',Arial,sans-serif;
  --body:'IBM Plex Sans',system-ui,sans-serif;

  --radius:3px; --radius-lg:4px; --r:3px; --r-lg:4px;
  --shadow-sm:0 6px 20px rgba(20,32,43,.05);
  --shadow-md:0 14px 40px rgba(20,32,43,.07);
  --shadow-lg:0 22px 60px rgba(20,32,43,.10);
  --sh:0 14px 40px rgba(20,32,43,.07);
  --sh-sm:0 6px 20px rgba(20,32,43,.05);
  --transition:.25s ease;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font-body);color:var(--ink);line-height:1.65;background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto}
a{text-decoration:none;color:inherit;transition:color var(--transition)}

h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:500;line-height:1.1;letter-spacing:-.015em;color:var(--ink)}
h1{font-size:clamp(2.6rem,5.2vw,4.4rem)}
h2{font-size:clamp(2rem,3.8vw,3rem)}
h3{font-size:clamp(1.3rem,2.4vw,1.7rem)}
h4{font-size:1.2rem}
p{color:var(--muted);margin-bottom:1rem}
.text-accent{color:var(--accent)}
.text-white{color:var(--white)}
.text-center{text-align:center}

/* LAYOUT */
.container,.wrap{max-width:1200px;margin:0 auto;padding:0 28px}
.section,.sec{padding:84px 0}
.section--gray{background:var(--bg2)}
.section--dark{background:var(--ink);color:#E4E8EC}
.section--dark h2,.section--dark h3,.section--dark h4{color:#fff}
.section--dark p{color:rgba(228,232,236,.82)}
.section-header,.sec-head.center{text-align:center;max-width:680px;margin:0 auto 52px}
.section-header .label,.eyebrow,.sec-idx,.label{display:inline-block;font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--accent);margin-bottom:12px;font-family:var(--font-body)}
.section-header h2{margin-bottom:14px}
.section-header p{font-size:1.12rem}

/* NAV */
.nav{position:sticky;top:0;z-index:50;background:rgba(244,243,239,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-inner,.nav-in{display:flex;align-items:center;justify-content:space-between;height:74px}
.nav-logo,.brand{font-family:var(--display);font-weight:600;font-size:1.5rem;letter-spacing:-.02em;color:var(--ink);text-transform:none}
.nav-logo span,.brand b{color:var(--terra)}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none}
.nav-links a{color:var(--muted);font-size:.95rem;font-weight:500;font-family:var(--font-body);text-transform:none;letter-spacing:0}
.nav-links a:hover,.nav-links a.active{color:var(--ink)}
.nav-cta{display:inline-block;background:var(--terra);color:#fff !important;padding:9px 18px;border-radius:3px;font-weight:600;font-size:.9rem}
.nav-cta:hover{background:var(--terra-d)}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:4px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:6px 0;transition:var(--transition);border-radius:2px}
@media(max-width:900px){
  .nav-toggle{display:block}
  .nav-links{position:fixed;top:74px;left:0;right:0;background:var(--bg);flex-direction:column;padding:24px;gap:16px;transform:translateY(-130%);transition:transform var(--transition);border-bottom:1px solid var(--line);box-shadow:var(--sh)}
  .nav-links.open{transform:translateY(0)}
}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:3px;font-weight:600;font-size:.98rem;border:1.5px solid transparent;cursor:pointer;transition:all var(--transition);font-family:var(--font-body)}
.btn--primary,.btn--p,.btn--accent{background:var(--terra);color:#fff;border-color:var(--terra)}
.btn--primary:hover,.btn--p:hover,.btn--accent:hover{background:var(--terra-d);border-color:var(--terra-d);transform:translateY(-2px)}
.btn--outline,.btn--w{background:var(--card);color:var(--ink);border-color:var(--line)}
.btn--outline:hover,.btn--w:hover{border-color:var(--ink);transform:translateY(-2px)}
.btn--outline-dark,.btn--o{background:var(--card);color:var(--ink);border-color:var(--line)}
.btn--outline-dark:hover,.btn--o:hover{border-color:var(--ink);transform:translateY(-2px)}
.section--dark .btn--outline,.section--dark .btn--w{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.section--dark .btn--outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn--lg{padding:16px 34px;font-size:1.05rem}
.btn-group{display:flex;gap:14px;flex-wrap:wrap}

/* PAGE HERO (inner pages) */
.page-hero{position:relative;padding:120px 0 72px;text-align:center;overflow:hidden;background:var(--bg)}
.page-hero::before{content:"";position:absolute;width:360px;height:360px;border-radius:3px;background:var(--peach);opacity:.35;top:-120px;right:8%;filter:blur(8px)}
.page-hero::after{content:"";position:absolute;width:220px;height:220px;border-radius:3px;background:var(--sage);opacity:.25;bottom:-90px;left:6%}
.page-hero .container{position:relative}
.page-hero .label{color:var(--terra)}
.page-hero h1{margin-bottom:16px}
.page-hero p{color:var(--muted);font-size:1.18rem;max-width:620px;margin:0 auto}

/* HOMEPAGE HERO */
.hero{padding:60px 0 80px;position:relative}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-content{max-width:680px}
.hero h1,.hero-content h1{margin:22px 0 0;color:var(--ink)}
.hero h1 em{font-style:italic;color:var(--terra)}
.hero-lead,.hero-content p{font-size:1.2rem;color:var(--muted);max-width:46ch;margin:26px 0 34px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-note{margin-top:26px;font-size:.95rem;color:var(--muted)}
.hero-note b{color:var(--ink);font-weight:600}
.hv{position:relative;height:440px}
.blob{position:absolute;border-radius:3px}
.blob.peach{width:300px;height:300px;background:var(--peach);top:10px;right:0;opacity:.75}
.blob.sage{width:190px;height:190px;background:var(--sage);bottom:6px;left:6px;opacity:.55}
.hv-card{position:absolute;background:var(--card);border-radius:var(--r-lg);box-shadow:var(--sh);padding:26px 28px}
.hv-card.big{top:60px;left:30px;width:280px}
.hv-card.big .num{font-family:var(--display);font-weight:600;font-size:3.4rem;color:var(--terra);line-height:1}
.hv-card.big .cap{color:var(--muted);font-size:.95rem;margin-top:4px}
.hv-card.big .bar{height:1px;background:var(--line);margin:18px 0}
.hv-card.big .mini{display:flex;justify-content:space-between;font-size:.9rem;color:var(--muted)}
.hv-card.big .mini b{font-family:var(--display);font-weight:600;color:var(--ink)}
.hv-card.small{bottom:40px;right:14px;width:210px;display:flex;align-items:center;gap:14px;padding:18px 20px}
.hv-card.small .av{width:44px;height:44px;border-radius:3px;background:var(--sage);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:600}
.hv-card.small .t{font-weight:600;font-size:.92rem;color:var(--ink)}
.hv-card.small .s{font-size:.8rem;color:var(--muted)}

/* GRID + CARDS */
.grid{display:grid;gap:24px}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3,.grid3{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}
.grid--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid--3,.grid--4,.grid3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid--2,.grid--3,.grid--4,.grid3{grid-template-columns:1fr}}
.card{background:var(--card);border-radius:var(--r-lg);padding:34px;box-shadow:var(--sh-sm);border:none;transition:transform var(--transition),box-shadow var(--transition)}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh)}
.card h3{margin-bottom:10px;font-size:1.4rem}
.card p{font-size:1rem}
.card--dark{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.card--dark h3{color:#fff}
.card--dark p{color:rgba(228,232,236,.78)}
.card-icon,.chip{width:54px;height:54px;background:var(--accent-light);border-radius:3px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:20px;color:var(--terra)}
.chip svg{width:26px;height:26px;stroke-width:1.8;fill:none}
.chip.t1{background:rgba(194,80,42,.14);color:var(--terra)}
.chip.t2{background:rgba(143,166,123,.20);color:#5f7748}
.chip.t3{background:rgba(243,199,156,.32);color:#b6772f}

/* STATS */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
@media(max-width:768px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat-number{font-family:var(--display);font-size:clamp(2rem,4vw,3rem);font-weight:600;color:var(--terra);line-height:1;margin-bottom:8px}
.stat-label{font-size:.92rem;color:var(--muted);font-weight:500}
.section--dark .stat-label{color:rgba(228,232,236,.7)}
.statband{background:var(--bg2);border-radius:var(--r-lg);padding:44px;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media(max-width:640px){.statband{grid-template-columns:1fr 1fr;padding:32px}}
.st .n{font-family:var(--display);font-weight:600;font-size:clamp(2.2rem,4vw,3rem);line-height:1;color:var(--ink)}
.st .n b{color:var(--terra)}
.st .l{color:var(--muted);font-size:.95rem;margin-top:8px}

/* SPLIT */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split--reverse{direction:rtl}
.split--reverse>*{direction:ltr}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:36px}.split--reverse{direction:ltr}}
.split-content .label{color:var(--terra)}
.split-content h2{margin-bottom:18px}
.split-content p{margin-bottom:22px}
.split-visual{background:var(--ink);border-radius:var(--r-lg);padding:44px;min-height:340px;display:flex;align-items:center;justify-content:center;color:#fff;position:relative;overflow:hidden}
.split-visual::before{content:"";position:absolute;width:220px;height:220px;border-radius:3px;background:rgba(243,199,156,.16);top:-60px;right:-50px}
.split-visual h3{color:var(--peach)}

/* CHECK LIST */
.check-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin-bottom:30px}
.check-list li{display:flex;align-items:flex-start;gap:12px;font-size:1rem;color:var(--gray-700)}
.check-list li::before{content:"✓";flex-shrink:0;width:24px;height:24px;background:rgba(143,166,123,.22);color:#5f7748;border-radius:3px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.72rem;margin-top:2px}
.section--dark .check-list li{color:rgba(228,232,236,.85)}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:28px;counter-reset:step}
.step{position:relative;padding:30px;counter-increment:step;background:var(--card);border-radius:var(--r-lg);box-shadow:var(--sh-sm)}
.step::before{content:counter(step,decimal-leading-zero);font-family:var(--display);font-size:2.6rem;font-weight:600;color:var(--terra);opacity:.9;line-height:1;margin-bottom:14px;display:block}
.step h3{margin-bottom:10px;font-size:1.2rem}
.step p{font-size:.96rem}

/* TESTIMONIAL */
.testimonial{background:var(--card);border-radius:var(--r-lg);padding:38px;box-shadow:var(--sh-sm);border:none;position:relative}
.testimonial::before{content:"\201C";font-family:var(--display);font-size:4rem;font-weight:600;color:var(--terra);opacity:.25;position:absolute;top:14px;left:26px;line-height:1}
.testimonial blockquote{font-size:1.05rem;color:var(--gray-700);line-height:1.7;margin-bottom:20px;position:relative}
.testimonial-author{display:flex;align-items:center;gap:12px}
.testimonial-avatar{width:44px;height:44px;border-radius:3px;background:var(--accent-light);display:flex;align-items:center;justify-content:center;font-weight:600;color:var(--terra);font-size:1rem}
.testimonial-name{font-weight:600;color:var(--ink);font-size:.95rem}
.testimonial-role{font-size:.82rem;color:var(--muted)}
.section--dark .testimonial{background:rgba(255,255,255,.06)}
.section--dark .testimonial blockquote{color:rgba(228,232,236,.9)}
.section--dark .testimonial-name{color:#fff}

/* QUOTE (homepage) */
.quotewrap{display:grid;grid-template-columns:1fr 1.4fr;gap:50px;align-items:center}
.quotewrap .pic{height:320px;border-radius:var(--r-lg);background:linear-gradient(150deg,var(--peach),var(--blush));position:relative;box-shadow:var(--sh-sm)}
.quotewrap .pic .av{position:absolute;inset:0;margin:auto;width:120px;height:120px;border-radius:3px;background:var(--sage);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:2.4rem;font-weight:600}
.quotewrap blockquote{font-family:var(--display);font-weight:500;font-size:clamp(1.5rem,2.8vw,2.2rem);line-height:1.3;color:var(--ink)}
.quotewrap .by{margin-top:22px;font-weight:600;color:var(--ink)}
.quotewrap .by span{display:block;color:var(--muted);font-weight:400;font-size:.95rem}
@media(max-width:900px){.quotewrap{grid-template-columns:1fr;gap:28px}}

/* PATHS / ACCENT / CARRIERS (homepage) */
.path .k{font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:var(--terra)}
.path h3{font-size:1.5rem;margin:12px 0}
.path ul{list-style:none;margin:18px 0 22px}
.path li{display:flex;gap:10px;padding:9px 0;border-top:1px solid var(--line);color:var(--muted);font-size:.96rem}
.path li:first-child{border-top:none}
.path li svg{width:18px;height:18px;flex-shrink:0;stroke:var(--sage);stroke-width:2.4;fill:none;margin-top:3px}
.path .lnk{font-weight:600;color:var(--terra);font-size:.96rem}
.path .lnk:hover{color:var(--terra-d)}
.accent{background:var(--terra);border-radius:var(--r-lg);padding:72px 60px;color:#fff;position:relative;overflow:hidden}
.accent .blob{width:340px;height:340px;background:rgba(255,255,255,.10);top:-90px;right:-70px}
.accent .eyebrow{color:#FBE3D6}
.accent h2{color:#fff;max-width:18ch;margin:16px 0 0;position:relative}
.accent p{color:rgba(255,255,255,.9);max-width:52ch;margin-top:22px;font-size:1.12rem;position:relative}
@media(max-width:900px){.accent{padding:48px 32px}}
.carriers,.carrier-grid{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;max-width:980px;margin:0 auto}
.carriers span{background:var(--card);border-radius:2px;padding:11px 22px;font-size:.92rem;font-weight:500;color:var(--ink);box-shadow:var(--sh-sm);display:inline-flex;align-items:center;border:none;letter-spacing:0}
.section--dark .carriers span{background:rgba(255,255,255,.08);color:#fff;box-shadow:none}
.carrier-logo{background:#fff;border-radius:3px;box-shadow:var(--sh-sm);width:154px;height:76px;display:flex;align-items:center;justify-content:center;padding:14px 20px;transition:transform var(--transition),box-shadow var(--transition)}
.carrier-logo:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.carrier-logo img{max-width:100%;max-height:40px;width:auto;height:auto;object-fit:contain;display:block}
.carrier-logo .carrier-fallback{font-size:.9rem;font-weight:600;color:var(--ink);text-align:center;line-height:1.2}
.section--dark .carrier-logo{background:#fff}
@media(max-width:520px){.carrier-logo{width:132px;height:66px}}

/* COMPARISON TABLE */
.comparison-table{width:100%;border-collapse:separate;border-spacing:0;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-sm);background:var(--card)}
.comparison-table th,.comparison-table td{padding:16px 24px;text-align:left;font-size:.95rem}
.comparison-table thead th{background:var(--ink);color:#fff;font-weight:600;font-family:var(--font-body)}
.comparison-table thead th:last-child{background:var(--terra);color:#fff}
.comparison-table tbody tr{border-bottom:1px solid var(--line)}
.comparison-table tbody tr:nth-child(even){background:var(--bg2)}
.comparison-table tbody td:last-child{font-weight:600;color:var(--ink)}

/* TIER CARDS */
.tier-card{background:var(--card);border-radius:var(--r-lg);padding:40px 32px;text-align:center;border:1.5px solid transparent;box-shadow:var(--sh-sm);transition:all var(--transition);position:relative}
.tier-card:hover{box-shadow:var(--sh);transform:translateY(-5px)}
.tier-card.featured{border-color:var(--terra)}
.tier-card.featured::before{content:"Most Popular Path";position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--terra);color:#fff;padding:5px 20px;border-radius:2px;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.tier-card h3{margin-bottom:8px}
.tier-card .tier-desc{color:var(--muted);font-size:.9rem;margin-bottom:24px}
.tier-card ul{list-style:none;text-align:left;margin-bottom:26px}
.tier-card ul li{padding:9px 0;border-bottom:1px solid var(--line);font-size:.92rem;color:var(--gray-700);display:flex;align-items:center;gap:8px}
.tier-card ul li::before{content:"✓";color:var(--sage);font-weight:700}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line)}
.faq-question{width:100%;padding:20px 0;background:none;border:none;font-size:1.05rem;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;text-align:left;font-family:var(--font-body)}
.faq-question::after{content:"+";font-size:1.4rem;color:var(--terra);transition:transform var(--transition)}
.faq-item.open .faq-question::after{transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-answer p{padding-bottom:20px;font-size:.96rem}

/* FORMS */
.form-group{margin-bottom:22px}
.form-group label{display:block;font-weight:600;margin-bottom:8px;font-size:.9rem;color:var(--ink)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:3px;font-size:1rem;font-family:var(--font-body);background:var(--card);transition:border-color var(--transition)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--terra);box-shadow:0 0 0 3px rgba(194,80,42,.15)}
.form-group textarea{min-height:120px;resize:vertical}

/* CTA */
.cta-section{padding:96px 0;background:var(--ink);text-align:center;border-radius:var(--r-lg);margin:0 28px}
.cta-section h2{color:#fff;margin-bottom:16px}
.cta-section p{color:rgba(228,232,236,.8);font-size:1.1rem;max-width:560px;margin:0 auto 32px}
.cta-banner{background:var(--terra);border-radius:var(--r-lg);padding:60px;text-align:center;position:relative;overflow:hidden;color:#fff}
.cta-banner::before{content:"";position:absolute;width:300px;height:300px;border-radius:3px;background:rgba(255,255,255,.1);bottom:-100px;right:-50px}
.cta-banner h2{color:#fff;margin-bottom:16px;position:relative}
.cta-banner p{color:rgba(255,255,255,.9);font-size:1.1rem;max-width:520px;margin:0 auto 30px;position:relative}
.cta{text-align:center;padding:30px 0 100px}
.cta-card{background:var(--card);border-radius:var(--r-lg);box-shadow:var(--sh);padding:72px 40px;position:relative;overflow:hidden}
.cta-card .blob.peach{width:200px;height:200px;top:-50px;left:-40px;opacity:.55}
.cta-card .blob.sage{width:150px;height:150px;bottom:-50px;right:-30px;opacity:.4}
.cta-card h2{position:relative}
.cta-card p{color:var(--muted);max-width:44ch;margin:18px auto 32px;font-size:1.12rem;position:relative}
.cta-card .hero-cta{justify-content:center;position:relative}

/* SEC HEAD (homepage editorial) */
.sec-head{max-width:660px;margin-bottom:50px}
.sec-head h2{margin:14px 0 0}
.sec-head p{color:var(--muted);font-size:1.12rem;margin-top:16px}
.sec-head.center{text-align:center;margin-left:auto;margin-right:auto}

/* FOOTER */
.footer,.foot{background:var(--ink);color:rgba(228,232,236,.8);padding:64px 0 36px;border-radius:var(--r-lg) var(--r-lg) 0 0}
.footer-grid,.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:0;padding-bottom:46px;border-bottom:1px solid rgba(228,232,236,.16)}
@media(max-width:900px){.footer-grid,.foot-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:560px){.footer-grid,.foot-grid{grid-template-columns:1fr}}
.footer-brand,.foot .brand{font-family:var(--display);font-size:1.5rem;font-weight:600;color:#fff;margin-bottom:14px;display:inline-block}
.footer-brand span,.foot .brand b{color:var(--terra)}
.foot-lead{color:rgba(228,232,236,.65);max-width:32ch}
.footer h4,.foot h4{color:rgba(228,232,236,.5);font-size:.82rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:16px;font-weight:600;font-family:var(--font-body)}
.footer ul,.foot ul{list-style:none}
.footer ul li,.foot li{margin-bottom:11px}
.footer ul a,.foot a{color:rgba(228,232,236,.8);font-size:.95rem}
.footer ul a:hover,.foot a:hover{color:var(--peach)}
.footer-bottom,.foot-bottom{border-top:none;padding-top:26px;text-align:center;font-size:.86rem;color:rgba(228,232,236,.5)}

/* UTILITIES */
.mt-2{margin-top:16px}.mt-4{margin-top:32px}.mt-6{margin-top:48px}
.mb-2{margin-bottom:16px}.mb-4{margin-bottom:32px}.mb-6{margin-bottom:48px}
.fade-up{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.fade-up.visible{opacity:1;transform:translateY(0)}

/* ============================================
   STAT CARDS (About) + INCOME CALCULATOR
   ============================================ */
.stat-card{background:var(--card);border:none;border-radius:var(--radius-lg);padding:32px 24px;text-align:center;box-shadow:var(--sh-sm);transition:all var(--transition)}
.stat-card:hover{box-shadow:var(--sh);transform:translateY(-4px)}
.stat-card .stat-number{font-size:clamp(2rem,4vw,2.8rem)}
.stat-card .stat-label{font-weight:600;color:var(--gray-700)}
.stat-card .stat-sub{font-size:.8rem;color:var(--muted);margin-top:6px}

.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:900px){.calc-wrap{grid-template-columns:1fr}}
.calc-panel{background:var(--card);border:none;border-radius:var(--radius-lg);padding:36px;box-shadow:var(--sh-sm)}
.calc-results{position:sticky;top:96px;background:var(--ink);border-radius:var(--radius-lg);padding:36px;color:#fff;overflow:hidden}
.calc-presets{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:28px}
@media(max-width:600px){.calc-presets{grid-template-columns:1fr}}
.calc-preset{text-align:left;background:var(--card);border:2px solid var(--line);border-radius:var(--radius);padding:14px;cursor:pointer;transition:all var(--transition);font-family:var(--font-body)}
.calc-preset:hover{border-color:var(--terra)}
.calc-preset.active{border-color:var(--terra);background:var(--accent-light)}
.calc-preset .pt-title{font-weight:700;font-size:.92rem;color:var(--ink);display:block;margin-bottom:3px}
.calc-preset .pt-sub{font-size:.75rem;color:var(--muted);line-height:1.4}
.calc-preset .pt-yearly{display:block;margin-top:8px;font-size:.82rem;font-weight:800;color:var(--terra)}
.calc-field{margin-bottom:28px}
.calc-field:last-child{margin-bottom:0}
.calc-field label{display:flex;justify-content:space-between;align-items:baseline;font-weight:600;font-size:.95rem;color:var(--ink);margin-bottom:10px}
.calc-field .calc-val{font-weight:800;color:var(--terra);font-size:1.05rem}
.calc-field select,.calc-field input[type="number"]{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:3px;font-size:1rem;font-family:var(--font-body);background:var(--card)}
.calc-field select:focus,.calc-field input[type="number"]:focus{outline:none;border-color:var(--terra);box-shadow:0 0 0 3px rgba(194,80,42,.15)}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:520px){.calc-row{grid-template-columns:1fr}}
.calc-ret-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:8px}
@media(max-width:520px){.calc-ret-grid{grid-template-columns:1fr}}
.calc-ret-head{display:flex;justify-content:space-between;align-items:baseline;font-size:.85rem;font-weight:600;color:var(--gray-700);margin-bottom:8px}
.calc-ret-head .calc-val{font-size:.95rem}
.calc-ret-scale{display:flex;justify-content:space-between;font-size:.65rem;color:var(--muted);margin-top:4px}
input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--gray-200);outline:none}
input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:3px;background:var(--terra);cursor:pointer;border:3px solid #fff;box-shadow:var(--sh-sm)}
input[type="range"]::-moz-range-thumb{width:22px;height:22px;border-radius:3px;background:var(--terra);cursor:pointer;border:3px solid #fff}
.calc-hint{font-size:.8rem;color:var(--muted);margin-top:8px}
.calc-headline{margin-bottom:24px}
.calc-headline .calc-big{font-family:var(--display);font-size:clamp(2.4rem,6vw,3.4rem);font-weight:600;color:var(--peach);line-height:1}
.calc-headline .calc-cap{font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.7);font-weight:600}
.calc-startnote{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:6px}
.calc-subgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:28px}
.calc-stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:16px}
.calc-stat .num{font-family:var(--display);font-size:1.5rem;font-weight:600;color:#fff;line-height:1.1}
.calc-stat .cap{font-size:.78rem;color:rgba(255,255,255,.65);margin-top:4px}
.calc-chart{display:flex;align-items:flex-end;gap:10px;height:200px;margin:8px 0 12px}
.calc-bar-col{flex:1;display:flex;flex-direction:column;align-items:center;height:100%}
.calc-bar-val{font-size:.7rem;font-weight:700;color:rgba(255,255,255,.65);margin-bottom:6px;white-space:nowrap}
.calc-bar-val.hi{color:var(--peach);font-size:.78rem}
.calc-bar-track{flex:1;width:100%;display:flex;align-items:flex-end;min-height:0}
.calc-bar{width:100%;border-radius:5px 5px 0 0;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden;transition:height .4s ease;min-height:3px}
.calc-bar .seg-new{background:var(--terra)}
.calc-bar .seg-renew{background:rgba(255,255,255,.4)}
.calc-bar-label{font-size:.75rem;color:rgba(255,255,255,.7);margin-top:8px;font-weight:600}
.calc-bar-label.hi{color:var(--peach);font-weight:800}
.calc-legend{display:flex;gap:18px;font-size:.8rem;color:rgba(255,255,255,.75);margin-top:4px}
.calc-legend span{display:inline-flex;align-items:center;gap:6px}
.calc-legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
.calc-legend .i-new{background:var(--terra)}
.calc-legend .i-renew{background:rgba(255,255,255,.4)}
.calc-disclosure{max-width:760px;margin:40px auto 0;border:1px solid var(--line);border-radius:var(--radius);background:var(--bg2);padding:4px 20px}
.calc-disclosure summary{cursor:pointer;font-weight:600;font-size:.9rem;color:var(--ink);padding:14px 0;list-style:none;display:flex;align-items:center;justify-content:space-between}
.calc-disclosure summary::-webkit-details-marker{display:none}
.calc-disclosure summary::after{content:'+';font-size:1.3rem;color:var(--terra);font-weight:700;line-height:1}
.calc-disclosure[open] summary::after{content:'\2212'}
.calc-disclosure-body{padding:0 0 16px;font-size:.85rem;color:var(--gray-700);line-height:1.6}
.calc-disclosure-body p{font-size:.85rem}
.calc-disclosure-body ul{margin:12px 0;padding-left:20px;display:flex;flex-direction:column;gap:8px}
.calc-disclaimer{font-size:.8rem;color:var(--muted);max-width:760px;margin:24px auto 0;text-align:center;line-height:1.6}

/* ============================================
   AGENT DIRECTORY (agents.html)
   ============================================ */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.page-hero--compact{padding:96px 0 48px}
.dir-section{padding-top:24px}
.dir-notice{background:rgba(243,199,156,.35);color:#7a4d1f;border-radius:3px;padding:12px 18px;font-size:.9rem;margin-bottom:22px}
.dir-toolbar{display:grid;grid-template-columns:1fr 240px;gap:14px;margin-bottom:16px}
.dir-field{position:relative;display:block}
.dir-field input,.dir-field select{width:100%;height:54px;padding:0 18px;border:1.5px solid var(--line);border-radius:3px;background:var(--card);font:inherit;font-size:1rem;color:var(--ink);appearance:none;-webkit-appearance:none}
.dir-field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237B7164' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;background-size:18px;padding-right:44px;cursor:pointer}
.dir-field--search input{padding-left:48px}
.dir-field--search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);width:20px;height:20px;fill:none;stroke:var(--muted);stroke-width:2;stroke-linecap:round;pointer-events:none}
.dir-field input:focus,.dir-field select:focus{outline:none;border-color:var(--terra);box-shadow:0 0 0 3px rgba(194,80,42,.15)}
.dir-pills{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.dir-pill{border:1.5px solid var(--line);background:var(--card);color:var(--ink);border-radius:2px;padding:8px 16px;font:inherit;font-size:.9rem;font-weight:500;cursor:pointer;transition:all var(--transition)}
.dir-pill:hover{border-color:var(--ink)}
.dir-pill[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.dir-count{font-size:.9rem;color:var(--muted);margin-bottom:22px}
.dir-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:1000px){.dir-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.dir-grid,.dir-toolbar{grid-template-columns:1fr}}
.dir-card{background:var(--card);border-radius:var(--r-lg);padding:26px;box-shadow:var(--sh-sm);display:flex;flex-direction:column;gap:14px;transition:transform var(--transition),box-shadow var(--transition)}
.dir-card:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.dir-card-main{display:flex;gap:16px;align-items:center;background:none;border:none;padding:0;text-align:left;cursor:pointer;font:inherit;color:inherit}
.dir-card-main:hover h3{color:var(--terra)}
.dir-card-head h3{font-size:1.3rem;margin-bottom:4px;transition:color var(--transition)}
.dir-role{font-size:.88rem;color:var(--ink);margin:0;font-weight:500}
.dir-loc{font-size:.85rem;color:var(--muted);margin:2px 0 0}
.dir-avatar{width:64px;height:64px;border-radius:3px;flex-shrink:0;object-fit:cover;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:1.3rem;font-weight:600}
.dir-avatar.lg{width:96px;height:96px;font-size:1.9rem}
.t-terra{background:rgba(194,80,42,.14);color:var(--terra)}
.t-sage{background:rgba(143,166,123,.22);color:#5f7748}
.t-peach{background:rgba(243,199,156,.4);color:#a4692a}
.t-blush{background:rgba(233,196,177,.5);color:#94533a}
.dir-tags{display:flex;flex-wrap:wrap;gap:6px}
.dir-tags span{background:var(--bg);border-radius:2px;padding:4px 12px;font-size:.8rem;font-weight:500;color:var(--gray-700)}
.dir-meta{font-size:.85rem;color:var(--muted);margin:0;flex-grow:1}
.dir-actions{display:flex;flex-wrap:wrap;gap:10px}
.dir-btn{padding:10px 18px;font-size:.9rem;border-radius:3px}
.dir-empty,.dir-loading{grid-column:1/-1;text-align:center;padding:60px 20px;color:var(--muted)}
.dir-empty h3{margin-bottom:8px}
.dir-dialog{margin:auto;max-height:calc(100vh - 48px);overflow:auto;border:none;border-radius:var(--r-lg);padding:40px;max-width:620px;width:calc(100% - 32px);box-shadow:var(--shadow-lg);background:var(--card);color:var(--ink)}
.dir-dialog::backdrop{background:rgba(20,32,43,.45);backdrop-filter:blur(3px)}
.dir-close{position:absolute;top:16px;right:18px;width:40px;height:40px;border-radius:3px;border:none;background:var(--bg);font-size:1.5rem;line-height:1;cursor:pointer;color:var(--ink)}
.dir-profile-head{display:flex;gap:20px;align-items:center;margin-bottom:22px}
.dir-profile-head h2{font-size:1.9rem;margin-bottom:4px}
.dir-bio{color:var(--gray-700);margin-bottom:22px}
.dir-facts{display:grid;grid-template-columns:1fr 1fr;gap:14px 24px;margin-bottom:22px}
.dir-facts dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:600}
.dir-facts dd{font-size:.95rem;margin:2px 0 0}
.dir-sub{font-family:var(--font-body);font-size:.75rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:600;margin-bottom:10px}
.dir-states{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:26px}
.dir-states span{background:var(--bg);border-radius:3px;padding:3px 8px;font-size:.8rem;font-weight:600;color:var(--gray-700)}
@media(max-width:560px){.dir-dialog{padding:28px 22px}.dir-profile-head{flex-direction:column;align-items:flex-start}.dir-facts{grid-template-columns:1fr}}



/* ============================================
   RIGID LAYER (Sept 2026): squared corners, hairline borders,
   flat surfaces instead of soft shadows. Loaded last so it wins.
   ============================================ */
h1,h2,h3,h4,h5,h6{font-weight:700;letter-spacing:-.025em}
h1{line-height:1.02}
.section-header .label,.eyebrow,.sec-idx,.label,.dir-sub,.dir-facts dt,.footer h4,.foot h4{font-family:var(--mono);font-weight:500;letter-spacing:.08em}
.card,.dir-card,.stat-card,.step,.testimonial,.tier-card,.calc-panel,.carrier-logo,.hv-card,.cta-card,.comparison-table{box-shadow:none;border:1px solid var(--line)}
.card:hover,.dir-card:hover,.stat-card:hover,.carrier-logo:hover{transform:none;box-shadow:none;border-color:var(--ink)}
.card--dark{border:1px solid rgba(255,255,255,.16)}
.btn,.nav-cta,.dir-btn{border-radius:3px}
.btn:hover,.btn--primary:hover,.btn--outline-dark:hover{transform:none}
.page-hero{border-bottom:1px solid var(--line);background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:56px 56px;background-position:center -1px}
.page-hero::before,.page-hero::after{display:none}
.page-hero .container{background:var(--bg);display:inline-block;padding:28px 36px;max-width:820px}
.blob{border-radius:0}
.blob.peach,.blob.sage{opacity:1}
.cta-section{border-radius:0;margin:0}
.footer,.foot{border-radius:0}
.stat-number,.calc-big,.hv-card .num{font-variant-numeric:tabular-nums}
.dir-dialog{border-radius:4px;border:1px solid var(--line)}
.dir-close{border-radius:3px}
.dir-tags span,.dir-states span{border-radius:2px;border:1px solid var(--line);background:transparent}
.dir-pill{border-radius:3px}
/* logo lockup: wordmark | descriptor */
.logo-sub{font-family:var(--mono);font-size:.72rem;font-weight:500;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);border-left:1px solid var(--line);padding-left:11px;margin-left:11px;vertical-align:middle;position:relative;top:-2px}
.nav-logo .logo-sub{color:var(--muted)}
.footer-brand .logo-sub{color:rgba(228,232,236,.6);border-left-color:rgba(228,232,236,.25)}
.nav-inner{gap:32px}
.nav-links{gap:22px}
.nav-links a{white-space:nowrap;font-size:.9rem}
.nav-logo{white-space:nowrap}
@media(max-width:1100px){
  .nav-toggle{display:block}
  .nav-links{position:fixed;top:74px;left:0;right:0;background:var(--bg);flex-direction:column;padding:24px;gap:16px;transform:translateY(-130%);transition:transform var(--transition);border-bottom:1px solid var(--line)}
  .nav-links.open{transform:translateY(0)}
}

/* ---------- audience switch (both sides) ---------- */
.aud{background:var(--ink);color:rgba(228,232,236,.72);font-size:.82rem}
.aud-in{display:flex;align-items:center;justify-content:space-between;height:38px;gap:16px}
.aud-tabs{display:flex;height:100%}
.aud-tabs a{display:flex;align-items:center;padding:0 16px;height:100%;color:rgba(228,232,236,.72);font-weight:500;border-right:1px solid rgba(255,255,255,.1)}
.aud-tabs a:first-child{padding-left:0}
.aud-tabs a:hover{color:#fff}
.aud-tabs a.on{color:#fff;box-shadow:inset 0 -2px 0 var(--terra)}
.aud-note{font-family:var(--mono);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;white-space:nowrap}
@media(max-width:760px){.aud-note{display:none}.aud-tabs a{padding:0 12px;font-size:.78rem}}


/* mobile menu: fully hidden until opened (its shadow was bleeding over the audience bar) */
@media(max-width:900px){
  .nav-links{visibility:hidden}
  .nav-links.open{visibility:visible}
}