/* =====================================================================
   KINGSWELL INSURANCE GROUP
   Heritage Institutional design system  (single, self-contained file)
   ---------------------------------------------------------------------
   0.  Design tokens (:root)
   1.  Reset + base
   2.  Base typography
   3.  Utilities (.container .sr-only .skip-link .gold-rule .crest-watermark)
   4.  Signature ornaments (.eyebrow .rule-ornament)
   5.  Plates (.plate + variants)
   6.  Buttons (.btn + variants)
   7.  Header / nav / mobile drawer
   8.  Hero
   9.  Trust strip
   10. Frame + cards + cover-cards
   11. Value props
   12. Steps
   13. About teaser
   14. Testimonials
   15. Coverage (formal gold-ruled definition list)
   16. FAQ (CSS-first accordion)
   17. Callout / CTA band
   18. Contact + form
   19. Footer
   20. Section-head helper + misc links
   21. Responsive
   22. Reduced motion
   ===================================================================== */

/* ---------------------------------------------------------------------
   0. DESIGN TOKENS
   --------------------------------------------------------------------- */
:root {
  /* Palette (sampled from the crest, exact hex from the spec) */
  --navy-900: #0B1E3F;   /* deep navy: hero, footer, primary plates */
  --navy-700: #14294F;   /* Kingswell Navy: headings, nav bar, bands */
  --navy-500: #1D3A6B;   /* raised navy surfaces, hovers */
  --wave-blue: #1E4FA3;  /* links, focus ring, small accents */
  --gold-600: #B8862B;   /* gold shadow / gradient start */
  --gold-500: #C29A45;   /* Kingswell Gold: rules, frames, accents */
  --gold-300: #E6C36A;   /* gold highlight / gradient end */
  --parchment: #F7F4EC;  /* warm light plate */
  --parchment-deep: #EFE9DA; /* second warm tone */
  --paper: #FFFFFF;      /* card surfaces on parchment (sparingly) */
  --ink: #1B2434;        /* body text on light */
  --muted: #5B6472;      /* secondary text on light */
  --cream: #F3EFE4;      /* body text on navy */
  --on-navy-muted: #C3CBD9; /* secondary text on navy (AA) */
  --hairline: #E3DECF;   /* warm borders on light */
  --error: #B22D2D;      /* validation red, heritage brick */

  /* Contextual (re-declared per plate; components read these) */
  --text: var(--ink);
  --text-muted: var(--muted);
  --link: var(--wave-blue);
  --focus: var(--wave-blue);
  --frame-inset: rgba(20, 41, 79, 0.30);   /* navy inset hairline on light */

  /* Typography */
  --font-display: "Cormorant Garamond", "Iowan Old Style", "Palatino Linotype",
                  Palatino, "Book Antiqua", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto,
               Helvetica, Arial, "Apple Color Emoji", sans-serif;

  /* Fluid type scale (clamp) */
  --fs-hero:    clamp(2.5rem, 1.8rem + 3.2vw, 4.25rem);   /* 40 -> 68 */
  --fs-h2:      clamp(2rem, 1.6rem + 1.9vw, 2.75rem);     /* 32 -> 44 */
  --fs-h3:      clamp(1.375rem, 1.2rem + 0.8vw, 1.625rem);/* 22 -> 26 */
  --fs-lead:    clamp(1.125rem, 1rem + 0.6vw, 1.375rem);  /* 18 -> 22 */
  --fs-body:    clamp(1rem, 0.95rem + 0.22vw, 1.125rem);  /* 16 -> 18 */
  --fs-small:   0.9375rem;                                 /* 15 */
  --fs-eyebrow: clamp(0.75rem, 0.72rem + 0.1vw, 0.8125rem);/* 12 -> 13 */
  --fs-numeral: clamp(2.5rem, 1.9rem + 3vw, 4rem);

  /* Spacing scale */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;

  /* Rhythm + layout */
  --plate-py: clamp(3.5rem, 2.5rem + 4.5vw, 6.5rem);
  --container: 1200px;
  --gutter: clamp(1.25rem, 0.7rem + 2.4vw, 2.5rem);
  --header-h: 4.5rem;

  /* Radii, borders, shadow */
  --radius: 3px;
  --radius-sm: 2px;
  --radius-lg: 5px;
  --shadow-sm: 0 1px 2px rgba(11, 30, 63, 0.10);
  --shadow-card: 0 2px 6px rgba(11, 30, 63, 0.07), 0 14px 36px rgba(11, 30, 63, 0.09);
  --shadow-card-hover: 0 4px 10px rgba(11, 30, 63, 0.10), 0 22px 50px rgba(11, 30, 63, 0.14);

  /* Motion */
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --dur: 0.22s;

  /* Crest watermark (self-contained heraldic shield: outline + diamond + wave) */
  --crest-url: url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20100%20120'%20fill='none'%20stroke='%23C29A45'%20stroke-width='2.4'%20stroke-linejoin='round'%20stroke-linecap='round'%3E%3Cpath%20d='M14%2012%20H86%20V52%20C86%2080%2069%2099%2050%20110%20C31%2099%2014%2080%2014%2052%20Z'/%3E%3Cpath%20d='M50%2027%20l10%2014%20l-10%2014%20l-10%20-14%20Z'/%3E%3Cpath%20d='M24%2072%20q6.5%20-8%2013%200%20t13%200%20t13%200%20t13%200'/%3E%3Cpath%20d='M24%2080%20q6.5%20-8%2013%200%20t13%200%20t13%200%20t13%200'/%3E%3C/svg%3E");

  /* Select caret (gold) */
  --caret-url: url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2012%208'%20fill='none'%20stroke='%23B8862B'%20stroke-width='1.8'%20stroke-linecap='round'%20stroke-linejoin='round'%3E%3Cpath%20d='M1.5%201.5%20L6%206%20L10.5%201.5'/%3E%3C/svg%3E");
}

/* ---------------------------------------------------------------------
   1. RESET + BASE
   --------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

* { margin: 0; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 1rem);
  -webkit-tap-highlight-color: transparent;
}

body {
  min-height: 100%;
  background: var(--parchment);
  color: var(--text);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg, video { display: block; max-width: 100%; height: auto; }

button, input, select, textarea { font: inherit; color: inherit; }

a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 0.18em; }

ul[role="list"], ol[role="list"] { list-style: none; padding: 0; }

:where(h1, h2, h3, h4) { font-weight: 600; }

/* Global focus treatment */
:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 2px;
  border-radius: var(--radius-sm);
}
:focus:not(:focus-visible) { outline: none; }

/* ---------------------------------------------------------------------
   2. BASE TYPOGRAPHY
   --------------------------------------------------------------------- */
h1, h2, h3 {
  font-family: var(--font-display);
  line-height: 1.08;
  letter-spacing: -0.008em;
  color: var(--text);
}

h1 { font-size: var(--fs-hero); }
h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); line-height: 1.15; }

p { max-width: 68ch; }

strong, b { font-weight: 600; }

.lead {
  font-size: var(--fs-lead);
  line-height: 1.55;
  color: var(--text-muted);
}

.muted { color: var(--text-muted); }

.tnum { font-variant-numeric: tabular-nums; }

/* ---------------------------------------------------------------------
   3. UTILITIES
   --------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
  position: relative;
}

.sr-only {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: fixed;
  left: 1rem; top: 1rem;
  z-index: 200;
  display: inline-block;
  padding: 0.7rem 1.1rem;
  background: var(--navy-900);
  color: var(--cream);
  border: 1px solid var(--gold-500);
  border-radius: var(--radius);
  font-weight: 600;
  font-size: var(--fs-small);
  text-decoration: none;
  transform: translateY(-160%);
  transition: transform var(--dur) var(--ease);
}
.skip-link:focus { transform: translateY(0); }

.gold-rule {
  border: 0;
  block-size: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-500) 18%, var(--gold-500) 82%, transparent);
  opacity: 0.8;
}

/* Crest watermark: decorative, low opacity, fills its (relative) parent */
.crest-watermark {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background-image: var(--crest-url);
  background-repeat: no-repeat;
  background-position: center;
  background-size: min(560px, 78%);
  opacity: 0.06;
}
.crest-watermark--footer {
  background-position: center 30%;
  background-size: min(360px, 60%);
  opacity: 0.05;
}

/* ---------------------------------------------------------------------
   4. SIGNATURE ORNAMENTS
   --------------------------------------------------------------------- */
/* Eyebrow: uppercase, tracked, gold. Auto-darkens on parchment for AA. */
.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--fs-eyebrow);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin: 0;
}
.plate--parchment .eyebrow,
.plate--parchment-deep .eyebrow,
.eyebrow--dark { color: var(--navy-700); }

/* Double-rule divider with a centered gold diamond:  ==== <> ==== */
.rule-ornament {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.9rem;
  width: 100%;
  max-width: 340px;
  margin-inline: auto;
}
.rule-ornament::before,
.rule-ornament::after {
  content: "";
  flex: 1 1 auto;
  block-size: 5px;
  border-top: 1px solid var(--gold-500);
  border-bottom: 1px solid var(--gold-500);
  opacity: 0.85;
}
.rule-ornament > span {
  flex: 0 0 auto;
  inline-size: 9px;
  block-size: 9px;
  transform: rotate(45deg);
  background: var(--gold-500);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.2);
}
/* Left-aligned variant for asymmetric sections */
.rule-ornament--left { margin-inline: 0; justify-content: flex-start; }
.rule-ornament--left::after { display: none; }
.rule-ornament--left::before { max-inline-size: 120px; }

/* ---------------------------------------------------------------------
   5. PLATES
   --------------------------------------------------------------------- */
.plate {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding-block: var(--plate-py);
  color: var(--text);
}
.plate > .container { z-index: 1; }

.plate--parchment { background: var(--parchment); }
.plate--parchment-deep { background: var(--parchment-deep); }

.plate--navy {
  background: var(--navy-700);
  --text: var(--cream);
  --text-muted: var(--on-navy-muted);
  --link: var(--gold-300);
  --focus: var(--gold-300);
  --frame-inset: rgba(230, 195, 106, 0.28);
}
.plate--deep {
  background: var(--navy-900);
  --text: var(--cream);
  --text-muted: var(--on-navy-muted);
  --link: var(--gold-300);
  --focus: var(--gold-300);
  --frame-inset: rgba(230, 195, 106, 0.28);
}

/* Thin band variant (trust strip) */
.plate--band { padding-block: clamp(1.5rem, 1rem + 2vw, 2.5rem); }

/* ---------------------------------------------------------------------
   6. BUTTONS
   --------------------------------------------------------------------- */
.btn {
  --btn-py: 0.85rem;
  --btn-px: 1.6rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 46px;
  padding: var(--btn-py) var(--btn-px);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-decoration: none;
  text-align: center;
  cursor: pointer;
  border: 1px solid transparent;
  border-radius: var(--radius);
  transition: transform var(--dur) var(--ease),
              box-shadow var(--dur) var(--ease),
              background-color var(--dur) var(--ease),
              border-color var(--dur) var(--ease),
              color var(--dur) var(--ease);
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

/* Primary: gold "seal" gradient, navy text */
.btn--primary {
  color: var(--navy-900);
  background-image: linear-gradient(180deg, var(--gold-300) 0%, var(--gold-500) 55%, var(--gold-600) 100%);
  border-color: var(--gold-600);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.4),
              inset 0 -1px 0 rgba(11, 30, 63, 0.18),
              var(--shadow-sm);
}
.btn--primary:hover {
  background-image: linear-gradient(180deg, #EDCE7C 0%, var(--gold-300) 55%, var(--gold-500) 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.5),
              inset 0 -1px 0 rgba(11, 30, 63, 0.18),
              var(--shadow-card);
}

/* Secondary: gold outline, inherits plate text colour */
.btn--secondary {
  color: var(--text);
  background: transparent;
  border-color: var(--gold-500);
}
.btn--secondary:hover {
  background: rgba(194, 154, 69, 0.12);
  border-color: var(--gold-300);
}

.btn--sm {
  min-height: 40px;
  --btn-py: 0.55rem;
  --btn-px: 1.05rem;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
}
.btn--block { display: flex; width: 100%; }

/* ---------------------------------------------------------------------
   7. HEADER / NAV / MOBILE DRAWER
   --------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy-700);
  border-bottom: 1px solid var(--gold-600);
  --text: var(--cream);
  --focus: var(--gold-300);
}
.site-header.is-scrolled { box-shadow: 0 2px 16px rgba(11, 30, 63, 0.28); }

.site-header__bar {
  display: flex;
  align-items: center;
  gap: clamp(1rem, 3vw, 2.5rem);
  min-height: var(--header-h);
}

/* Brand lockup: crest + wordmark */
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  margin-inline-end: auto;
  text-decoration: none;
  color: var(--cream);
}
.brand__crest { inline-size: 38px; block-size: auto; flex: 0 0 auto; }
.brand__word {
  display: none;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.55rem;
  letter-spacing: 0.01em;
  line-height: 1;
  color: var(--cream);
}

/* Desktop nav (hidden on mobile) */
.nav { display: none; }
.nav__list { display: flex; align-items: center; gap: clamp(1.1rem, 2.2vw, 2rem); list-style: none; }
.nav__link {
  position: relative;
  display: inline-block;
  padding-block: 0.35rem;
  font-weight: 600;
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--cream);
}
.nav__link::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  block-size: 1px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform var(--dur) var(--ease);
}
.nav__link:hover::after,
.nav__link:focus-visible::after,
.nav__link[aria-current="page"]::after { transform: scaleX(1); }
.nav__link[aria-current="page"] { color: var(--gold-300); }

.nav__cta { display: none; flex: 0 0 auto; }

/* Mobile disclosure (native details = works with JS off) */
.mobile-nav { display: block; position: static; }
.mobile-nav > summary { list-style: none; }
.mobile-nav > summary::-webkit-details-marker { display: none; }

.hamburger {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  inline-size: 46px;
  block-size: 46px;
  cursor: pointer;
  border: 1px solid rgba(230, 195, 106, 0.55);
  border-radius: var(--radius);
  background: transparent;
}
.hamburger__bars,
.hamburger__bars::before,
.hamburger__bars::after {
  content: "";
  display: block;
  inline-size: 22px;
  block-size: 2px;
  background: var(--cream);
  border-radius: 2px;
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.hamburger__bars { position: relative; }
.hamburger__bars::before { position: absolute; top: -7px; }
.hamburger__bars::after { position: absolute; top: 7px; }
.mobile-nav[open] .hamburger__bars { background: transparent; }
.mobile-nav[open] .hamburger__bars::before { transform: translateY(7px) rotate(45deg); }
.mobile-nav[open] .hamburger__bars::after { transform: translateY(-7px) rotate(-45deg); }

/* Drawer: fixed overlay with scrim; panel slides from the right, below the bar */
.drawer {
  position: fixed;
  inset: 0;
  z-index: 90;
  background: rgba(6, 17, 36, 0.55);
}
.drawer__panel {
  position: absolute;
  top: var(--header-h);
  right: 0;
  bottom: 0;
  inline-size: min(360px, 86vw);
  padding: 1.75rem 1.5rem 2.5rem;
  background: var(--navy-900);
  border-inline-start: 1px solid var(--gold-600);
  box-shadow: -12px 0 40px rgba(0, 0, 0, 0.35);
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  --text: var(--cream);
  --focus: var(--gold-300);
}
.drawer__link {
  padding: 0.85rem 0.25rem;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--cream);
  border-bottom: 1px solid rgba(230, 195, 106, 0.18);
}
.drawer__link:hover { color: var(--gold-300); }
.drawer__cta { margin-top: 1.25rem; }
.drawer__panel .btn { width: 100%; }
.drawer__panel .btn + .btn { margin-top: 0.6rem; }

.mobile-nav[open] .drawer { animation: scrimIn 0.2s var(--ease); }
.mobile-nav[open] .drawer__panel { animation: panelIn 0.26s var(--ease); }
@keyframes scrimIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes panelIn { from { transform: translateX(100%); } to { transform: translateX(0); } }

/* Lock background scroll when the JS-enhanced drawer is open */
body.nav-open { overflow: hidden; }

/* ---------------------------------------------------------------------
   8. HERO
   --------------------------------------------------------------------- */
.hero {
  padding-block: clamp(4rem, 3rem + 7vw, 8rem);
  text-align: center;
}
.hero__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: clamp(1.1rem, 2vw, 1.6rem);
  max-width: 60rem;
  margin-inline: auto;
}
.hero__title {
  font-size: var(--fs-hero);
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -0.012em;
}
.hero__title em {
  font-style: italic;
  font-weight: 600;
  color: var(--gold-300);
}
.hero__subhead {
  max-width: 46ch;
  color: var(--cream);
  opacity: 0.92;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.9rem;
  margin-top: 0.4rem;
}
.hero__ornament { margin-top: clamp(1.5rem, 3vw, 2.5rem); }

/* Compact hero for interior pages (auto / home / contact) */
.hero--page { padding-block: clamp(3rem, 2.5rem + 4vw, 5.5rem); }
.hero--page .hero__title { font-size: clamp(2.25rem, 1.8rem + 2.6vw, 3.5rem); }

/* ---------------------------------------------------------------------
   9. TRUST STRIP
   --------------------------------------------------------------------- */
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.65rem 1.5rem;
  list-style: none;
  padding: 0;
  margin: 0;
}
.trust-strip__item {
  display: inline-flex;
  align-items: center;
  gap: 1.5rem;
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink);
}
.trust-strip__item:not(:first-child)::before {
  content: "";
  inline-size: 7px;
  block-size: 7px;
  flex: 0 0 auto;
  transform: rotate(45deg);
  background: var(--gold-500);
}

/* ---------------------------------------------------------------------
   10. FRAME + CARDS + COVER CARDS
   --------------------------------------------------------------------- */
/* Heraldic "certificate" frame: gold border + inset hairline */
.frame {
  position: relative;
  border: 1px solid var(--gold-500);
  border-radius: var(--radius-sm);
  background: var(--paper);
}
.frame::after {
  content: "";
  position: absolute;
  inset: 5px;
  border: 1px solid var(--frame-inset);
  border-radius: 1px;
  pointer-events: none;
}

.card {
  padding: clamp(1.5rem, 1rem + 2vw, 2.4rem);
  background: var(--paper);
  border-radius: var(--radius-sm);
}

.cover-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.25rem, 0.8rem + 2vw, 2rem);
}
.cover-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.85rem;
  padding: clamp(1.75rem, 1.2rem + 2.2vw, 2.6rem);
}
.cover-card__icon {
  inline-size: 46px;
  block-size: auto;
  color: var(--gold-600);
  margin-bottom: 0.15rem;
}
.cover-card__title { color: var(--ink); }
.cover-card__body { color: var(--muted); margin-bottom: 0.35rem; }
.cover-card .link-arrow { margin-top: auto; }

/* ---------------------------------------------------------------------
   11. VALUE PROPS
   --------------------------------------------------------------------- */
.valueprops {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.5rem, 1rem + 2vw, 2.4rem);
  list-style: none;
  padding: 0;
  margin: 0;
}
.valueprop {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(230, 195, 106, 0.4);
}
.valueprop__mark {
  inline-size: 10px;
  block-size: 10px;
  transform: rotate(45deg);
  background: var(--gold-500);
  margin-bottom: 0.3rem;
}
.valueprop__title { color: var(--text); font-size: var(--fs-h3); }
.valueprop__body { color: var(--text-muted); font-size: 1rem; }

/* ---------------------------------------------------------------------
   12. STEPS
   --------------------------------------------------------------------- */
.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.75rem, 1rem + 2.5vw, 2.75rem);
  counter-reset: step;
  list-style: none;
  padding: 0;
  margin: 0;
}
.step { display: flex; flex-direction: column; gap: 0.5rem; }
.step__num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-numeral);
  line-height: 0.9;
  color: var(--gold-500);
  font-variant-numeric: tabular-nums;
}
.step__num::after {
  content: "";
  display: block;
  inline-size: 46px;
  block-size: 1px;
  margin-top: 0.6rem;
  background: var(--gold-500);
  opacity: 0.6;
}
.step__title { color: var(--ink); margin-top: 0.25rem; }
.step__body { color: var(--muted); font-size: 1rem; }

/* ---------------------------------------------------------------------
   13. ABOUT TEASER
   --------------------------------------------------------------------- */
.about__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 1rem + 4vw, 3.5rem);
  align-items: center;
}
.about__body { display: flex; flex-direction: column; gap: 1.1rem; align-items: flex-start; }
.about__body .rule-ornament { margin-block: 0.2rem 0.4rem; }
.about__body p { color: var(--cream); opacity: 0.9; }
.about__seal {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
  padding: clamp(2rem, 1.5rem + 2vw, 3rem) clamp(1.5rem, 1rem + 2vw, 2.5rem);
  text-align: center;
  background: rgba(255, 255, 255, 0.03);
}
.about__seal-crest {
  inline-size: clamp(88px, 18vw, 120px);
  block-size: auto;
  opacity: 0.9;
}
.about__seal p {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-style: italic;
  color: var(--cream);
  max-width: 24ch;
}

/* ---------------------------------------------------------------------
   14. TESTIMONIALS
   --------------------------------------------------------------------- */
.testimonials {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.25rem, 0.8rem + 2vw, 2rem);
  list-style: none;
  padding: 0;
  margin: 0;
}
.testimonial {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
  padding: clamp(2.25rem, 1.5rem + 2vw, 2.75rem) clamp(1.6rem, 1rem + 2vw, 2.25rem) clamp(1.5rem, 1rem + 2vw, 2rem);
}
.testimonial::before {
  content: "\201C";
  position: absolute;
  top: 0.35rem;
  left: 1.1rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 4.5rem;
  line-height: 1;
  color: var(--gold-500);
  opacity: 0.55;
}
.testimonial__quote {
  position: relative;
  z-index: 1;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-style: italic;
  line-height: 1.4;
  color: var(--ink);
}
.testimonial__cite {
  margin-top: auto;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

/* ---------------------------------------------------------------------
   15. COVERAGE  (formal gold-ruled definition list; auto/home pages)
   --------------------------------------------------------------------- */
.coverage {
  display: grid;
  margin: 0;
  padding: clamp(0.5rem, 1vw, 1.25rem) clamp(1rem, 0.5rem + 2vw, 2.5rem);
  font-variant-numeric: tabular-nums;
}
.coverage__row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.35rem 2rem;
  padding-block: clamp(1.1rem, 0.8rem + 1vw, 1.5rem);
  border-top: 1px solid var(--gold-500);
}
.coverage__row:first-child { border-top: 0; }
.coverage__term {
  display: flex;
  align-items: baseline;
  gap: 0.65rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.3rem;
  line-height: 1.2;
  color: var(--ink);
}
.coverage__term::before {
  content: "";
  flex: 0 0 auto;
  inline-size: 7px;
  block-size: 7px;
  transform: translateY(-0.15em) rotate(45deg);
  background: var(--gold-500);
}
.coverage__desc { color: var(--muted); font-size: 1rem; }

/* ---------------------------------------------------------------------
   16. FAQ  (accessible CSS-first accordion)
   --------------------------------------------------------------------- */
.faq {
  display: flex;
  flex-direction: column;
  max-width: 62rem;
  margin-inline: auto;
}
.faq__item { border-top: 1px solid var(--hairline); }
.faq__item:last-child { border-bottom: 1px solid var(--hairline); }
.faq__item > summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: clamp(1.1rem, 0.8rem + 1vw, 1.5rem) 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.2rem, 1.05rem + 0.5vw, 1.4rem);
  line-height: 1.25;
  color: var(--ink);
}
.faq__item > summary::-webkit-details-marker { display: none; }
.faq__icon {
  position: relative;
  flex: 0 0 auto;
  inline-size: 18px;
  block-size: 18px;
}
.faq__icon::before,
.faq__icon::after {
  content: "";
  position: absolute;
  background: var(--gold-600);
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.faq__icon::before { inset: 8px 0; block-size: 2px; }       /* horizontal */
.faq__icon::after  { inset: 0 8px; inline-size: 2px; }      /* vertical */
.faq__item[open] .faq__icon::after { transform: scaleY(0); opacity: 0; }
.faq__answer { padding: 0 0 clamp(1.1rem, 0.8rem + 1vw, 1.5rem); }
.faq__answer p { color: var(--muted); max-width: 68ch; }
.faq__answer p + p { margin-top: 0.75rem; }

/* ---------------------------------------------------------------------
   17. CALLOUT + CTA BAND
   --------------------------------------------------------------------- */
/* Bundle callout: framed strip, text + action */
.callout {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  align-items: flex-start;
  padding: clamp(1.75rem, 1.2rem + 2vw, 2.5rem);
}
.callout__title { font-size: var(--fs-h3); color: var(--ink); margin-bottom: 0.4rem; }
.callout__body { color: var(--muted); }

/* CTA band: centred conversion strip on navy */
.cta-band { text-align: center; }
.cta-band__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.25rem;
  max-width: 46rem;
  margin-inline: auto;
}
.cta-band__title { color: var(--cream); }
.cta-band__body { color: var(--on-navy-muted); max-width: 44ch; }
.cta-band .rule-ornament { margin-block: 0.25rem 0.5rem; }

/* ---------------------------------------------------------------------
   18. CONTACT + FORM
   --------------------------------------------------------------------- */
.contact__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 1rem + 3vw, 3rem);
  align-items: start;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
  padding: clamp(1.75rem, 1.2rem + 2vw, 2.5rem);
}
.field { display: flex; flex-direction: column; gap: 0.4rem; }
.field__label {
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink);
}
.field__req { color: var(--navy-700); }
.field__control {
  inline-size: 100%;
  padding: 0.8rem 0.95rem;
  font-size: 1rem;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.field__control::placeholder { color: #6B7280; }
.field__control:hover { border-color: #cfc7b2; }
.field__control:focus-visible {
  outline: none;
  border-color: var(--wave-blue);
  box-shadow: 0 0 0 3px rgba(30, 79, 163, 0.22);
}
textarea.field__control { min-block-size: 8.5rem; resize: vertical; }
select.field__control {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 2.6rem;
  background-image: var(--caret-url);
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 12px 8px;
}
.field__error {
  min-block-size: 1.1rem;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--error);
}
.field.has-error .field__control {
  border-color: var(--error);
  box-shadow: 0 0 0 3px rgba(178, 45, 45, 0.16);
}

/* Contact details column */
.contact-details {
  padding: clamp(1.75rem, 1.2rem + 2vw, 2.5rem);
  background: var(--paper);
}
.contact-details__title { font-size: var(--fs-h3); color: var(--ink); margin-bottom: 0.35rem; }
.contact-details__list { display: grid; gap: 1.15rem; margin-top: 1.4rem; }
.contact-details__item { display: flex; flex-direction: column; gap: 0.2rem; }
.contact-details__label {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-weight: 600;
  font-size: 0.76rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}
.contact-details__label::before {
  content: "";
  inline-size: 6px;
  block-size: 6px;
  transform: rotate(45deg);
  background: var(--gold-500);
}
.contact-details__value { font-size: 1.05rem; color: var(--ink); }
.contact-details__value a { color: var(--wave-blue); text-decoration: none; }
.contact-details__value a:hover { text-decoration: underline; }
.contact-note {
  margin-top: 1.6rem;
  padding-top: 1.2rem;
  border-top: 1px solid var(--hairline);
  font-size: 0.95rem;
  color: var(--muted);
}

/* ---------------------------------------------------------------------
   19. FOOTER
   --------------------------------------------------------------------- */
.site-footer {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background: var(--navy-900);
  border-top: 1px solid var(--gold-600);
  color: var(--cream);
  padding-block: clamp(3rem, 2rem + 3vw, 4.5rem) clamp(1.75rem, 1.2rem + 1.5vw, 2.5rem);
  --text: var(--cream);
  --link: var(--gold-300);
  --focus: var(--gold-300);
}
.site-footer > .container { position: relative; z-index: 1; }
.site-footer__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 1rem + 3vw, 3rem);
}
.site-footer__logo { inline-size: clamp(150px, 40vw, 190px); block-size: auto; margin-bottom: 1rem; }
.site-footer__tagline { color: var(--on-navy-muted); max-width: 34ch; font-size: 0.98rem; }
.site-footer__col-title {
  font-weight: 600;
  font-size: 0.76rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 1rem;
}
.site-footer__list { display: grid; gap: 0.7rem; list-style: none; padding: 0; margin: 0; }
.site-footer__list a { color: var(--cream); text-decoration: none; font-size: 0.98rem; }
.site-footer__list a:hover { color: var(--gold-300); }
.site-footer__list li { display: flex; align-items: baseline; gap: 0.55rem; color: var(--on-navy-muted); font-size: 0.98rem; }
.site-footer__base {
  margin-top: clamp(2.25rem, 1.5rem + 2vw, 3.25rem);
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
  align-items: center;
  text-align: center;
}
.site-footer__base .rule-ornament { max-width: 260px; }
.site-footer__disclaimer { color: var(--on-navy-muted); font-size: 0.85rem; max-width: 70ch; line-height: 1.6; }
.site-footer__legal { color: var(--on-navy-muted); font-size: 0.85rem; }

/* ---------------------------------------------------------------------
   20. SECTION-HEAD HELPER + LINKS
   --------------------------------------------------------------------- */
.section-head {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.9rem;
  text-align: center;
  max-width: 54ch;
  margin-inline: auto;
  margin-bottom: clamp(2.25rem, 1.5rem + 2vw, 3.25rem);
}
.section-head .rule-ornament { margin-block: 0.1rem 0.2rem; }
.section-head__intro { color: var(--text-muted); }
.section-head--left { align-items: flex-start; text-align: left; margin-inline: 0; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  text-decoration: none;
  color: var(--link);
  border-bottom: 1px solid transparent;
  padding-bottom: 1px;
}
.link-arrow > span { transition: transform var(--dur) var(--ease); }
.link-arrow:hover { border-bottom-color: currentColor; }
.link-arrow:hover > span { transform: translateX(4px); }

/* ---------------------------------------------------------------------
   21. RESPONSIVE
   --------------------------------------------------------------------- */
@media (min-width: 480px) {
  .brand__word { display: inline-block; }
}

@media (min-width: 560px) {
  .valueprops { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 640px) {
  .cover-cards { grid-template-columns: 1fr 1fr; }
  .testimonials { grid-template-columns: 1fr 1fr; }
  .coverage__row { grid-template-columns: minmax(11rem, 0.85fr) 1.6fr; align-items: baseline; }
  .callout { flex-direction: row; align-items: center; justify-content: space-between; }
  .callout__action { flex: 0 0 auto; }
}

@media (min-width: 760px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 860px) {
  .about__grid { grid-template-columns: 1.15fr 0.85fr; }
}

@media (min-width: 900px) {
  .contact__grid { grid-template-columns: 1.25fr 0.85fr; }
}

@media (min-width: 960px) {
  .nav { display: block; }
  .nav__cta { display: inline-flex; }
  .mobile-nav { display: none; }
  .valueprops { grid-template-columns: repeat(4, 1fr); }
  .testimonials { grid-template-columns: repeat(3, 1fr); }
  .site-footer__grid { grid-template-columns: 1.7fr 1fr 1.1fr 1.2fr; }
}

@media (min-width: 760px) {
  .valueprops--3up { grid-template-columns: repeat(3, 1fr); }
}

/* ---------------------------------------------------------------------
   22. REDUCED MOTION
   --------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
  .btn:hover { transform: none; }
  .link-arrow:hover > span { transform: none; }
}