@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400;1,500&family=Jost:wght@300;400;500;600&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --ink:    #1A1A18;
  --ink2:   #2A2A27;
  --stone:  #4A4845;
  --warm:   #F5F2EC;
  --warm2:  #EDE9E0;
  --warm3:  #DDD9D0;
  --gold:   #9E8047;
  --gold2:  #7F6535;
  --white:  #FFFFFF;
  --text:   #5C5955;
  --light:  #9C9894;
  --serif:  'Cormorant Garamond', Georgia, serif;
  --sans:   'Jost', system-ui, sans-serif;
  --r:      2px;
  --sh:     0 2px 20px rgba(26,26,24,0.06);
  --sh2:    0 8px 48px rgba(26,26,24,0.10);
}

html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--sans); background: var(--white); color: var(--ink); line-height: 1.7; -webkit-font-smoothing: antialiased; }
h1,h2,h3,h4 { font-family: var(--serif); font-weight: 400; line-height: 1.15; color: var(--ink); }
a { text-decoration: none; color: inherit; }
button { font-family: var(--sans); cursor: pointer; }

/* ── NAVBAR ── */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: 72px; display: flex; align-items: center; justify-content: space-between;
  padding: 0 6%; background: rgba(255,255,255,0.97); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--warm3); transition: box-shadow 0.3s;
}
.navbar.scrolled { box-shadow: 0 2px 30px rgba(26,26,24,0.08); }
.nav-brand { display: flex; flex-direction: column; gap: 2px; }
.nav-brand .brand-main { font-family: var(--serif); font-size: 1.25rem; font-weight: 500; color: var(--ink); letter-spacing: 0.01em; }
.nav-brand .brand-sub { font-family: var(--sans); font-size: 0.58rem; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 2.2rem; list-style: none; }
.nav-links a { font-size: 0.7rem; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase; color: var(--stone); transition: color 0.2s; position: relative; padding-bottom: 3px; }
.nav-links a::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 1px; background: var(--gold); transition: width 0.3s; }
.nav-links a:hover, .nav-links a.active { color: var(--ink); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta { font-size: 0.68rem !important; font-weight: 500 !important; letter-spacing: 0.14em !important; color: var(--white) !important; background: var(--ink); padding: 0.55rem 1.3rem; border-radius: var(--r); transition: background 0.2s; }
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--gold) !important; color: var(--white) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 1.5px; background: var(--ink); transition: all 0.3s; }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(4.5px,4.5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(4.5px,-4.5px); }
.mobile-nav { display: none; position: fixed; top: 72px; left: 0; right: 0; background: var(--white); z-index: 999; padding: 1.8rem 6%; flex-direction: column; border-bottom: 1px solid var(--warm3); box-shadow: 0 8px 32px rgba(26,26,24,0.08); }
.mobile-nav.open { display: flex; }
.mobile-nav a { font-size: 0.8rem; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; color: var(--stone); padding: 0.9rem 0; border-bottom: 1px solid var(--warm3); transition: color 0.2s; }
.mobile-nav a:hover, .mobile-nav a.active { color: var(--gold); }
.page-top { padding-top: 72px; }

/* ── HERO ── */
.hero { min-height: 94vh; display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; }
.hero-left { background: var(--ink); padding: 8rem 8% 6rem; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.hero-left::before { content: ''; position: absolute; bottom: -80px; right: -80px; width: 340px; height: 340px; border-radius: 50%; background: radial-gradient(circle, rgba(158,128,71,0.10) 0%, transparent 70%); pointer-events: none; }
.hero-ey { display: flex; align-items: center; gap: 1rem; margin-bottom: 2rem; }
.hero-ey-line { width: 36px; height: 1px; background: var(--gold); }
.hero-ey span { font-size: 0.62rem; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold); }
.hero h1 { font-size: clamp(2.6rem, 4vw, 4rem); color: var(--white); font-weight: 300; line-height: 1.08; margin-bottom: 1.8rem; }
.hero h1 em { font-style: italic; color: var(--gold); }
.hero-desc { font-size: 1.05rem; color: rgba(255,255,255,0.50); line-height: 1.9; max-width: 400px; margin-bottom: 2.8rem; font-weight: 300; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn-gold { display: inline-block; background: var(--gold); color: var(--white); padding: 0.88rem 2.2rem; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; border: none; border-radius: var(--r); transition: background 0.2s; cursor: pointer; }
.btn-gold:hover { background: var(--gold2); color: var(--white); }
.btn-ghost { display: inline-block; background: transparent; color: rgba(255,255,255,0.60); padding: 0.88rem 2.2rem; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; border: 1px solid rgba(255,255,255,0.18); border-radius: var(--r); transition: all 0.2s; cursor: pointer; }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.hero-right { background: var(--warm); padding: 8rem 8% 6rem; display: flex; flex-direction: column; justify-content: center; }
.hero-cred { border-top: 1px solid var(--warm3); padding: 1.8rem 0; }
.hero-cred:first-child { border-top: none; padding-top: 0; }
.cred-label { font-size: 0.6rem; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.5rem; }
.cred-title { font-family: var(--serif); font-size: 1.1rem; color: var(--ink); }
.cred-sub { font-size: 0.97rem; color: var(--text); margin-top: 0.3rem; line-height: 1.65; font-weight: 300; }
.hero-div { width: 40px; height: 1px; background: var(--gold); margin: 0; opacity: 0.3; }

/* ── PAGE HERO SPLIT ── */
.phs { display: grid; grid-template-columns: 1fr 1fr; min-height: 52vh; }
.phs-left { background: var(--warm); padding: 8rem 6% 5rem; display: flex; flex-direction: column; justify-content: flex-end; }
.phs-left .mono { font-family: var(--serif); font-size: clamp(5rem, 10vw, 9rem); font-weight: 300; color: var(--warm3); line-height: 1; margin-bottom: 1rem; font-style: italic; }
.phs-left h1 { font-size: clamp(1.7rem, 2.8vw, 2.6rem); font-weight: 400; }
.phs-left .phs-sub { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); margin-top: 0.5rem; }
.phs-right { background: var(--ink); padding: 8rem 6% 5rem; display: flex; flex-direction: column; justify-content: center; }
.phs-right p { font-family: var(--serif); font-size: 1.02rem; color: rgba(255,255,255,0.58); line-height: 1.9; font-weight: 300; margin-bottom: 1.4rem; }
.phs-right a { color: var(--gold); }
.phs-creds { margin-top: 2rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.08); display: flex; flex-direction: column; gap: 0.55rem; }
.phs-cred { font-size: 0.72rem; font-weight: 500; letter-spacing: 0.06em; color: rgba(255,255,255,0.38); display: flex; align-items: center; gap: 0.7rem; }
.phs-cred .ck { color: var(--gold); font-size: 0.6rem; }

/* ── SECTIONS ── */
.section { padding: 6.5rem 6%; }
.section-inner { max-width: 1160px; margin: 0 auto; }
.sec-ey { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.4rem; }
.sec-ey-line { width: 32px; height: 1px; background: var(--gold); }
.sec-ey span { font-size: 0.6rem; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); }
.sec-title { font-size: clamp(1.8rem, 2.8vw, 2.8rem); font-weight: 300; margin-bottom: 1rem; }
.sec-title em { font-style: italic; color: var(--gold); }
.sec-lead { font-size: 1.08rem; color: var(--text); max-width: 540px; line-height: 1.85; font-weight: 300; margin-bottom: 2.8rem; }

/* ── CONDITIONS ── */
.cond-mosaic { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: var(--warm3); border: 1px solid var(--warm3); margin-top: 2.5rem; }
.cond-cell { background: var(--white); padding: 1rem 1.1rem; font-size: 0.95rem; color: var(--stone); display: flex; align-items: center; gap: 0.55rem; transition: background 0.2s, color 0.2s; }
.cond-cell:hover { background: var(--ink); color: var(--white); }
.cond-cell:hover .cdot { background: var(--gold); }
.cdot { width: 4px; height: 4px; border-radius: 50%; background: var(--gold); flex-shrink: 0; transition: background 0.2s; }

/* ── PROCESS ── */
.proc-grid { display: grid; grid-template-columns: repeat(4,1fr); border: 1px solid var(--warm3); margin-top: 3.5rem; }
.proc-item { padding: 2.5rem 2rem; border-right: 1px solid var(--warm3); }
.proc-item:last-child { border-right: none; }
.proc-num { font-family: var(--serif); font-size: 3.2rem; font-weight: 300; color: var(--warm3); line-height: 1; margin-bottom: 1.1rem; }
.proc-item h3 { font-size: 1rem; font-weight: 400; margin-bottom: 0.5rem; }
.proc-item p { font-size: 0.97rem; color: var(--text); line-height: 1.75; font-weight: 300; }

/* ── CTA BAND ── */
.cta-band { background: var(--warm2); border-top: 1px solid var(--warm3); border-bottom: 1px solid var(--warm3); padding: 6rem 6%; text-align: center; }
.cta-band h2 { font-size: clamp(1.7rem, 2.8vw, 2.6rem); font-weight: 300; margin-bottom: 1rem; }
.cta-band p { font-size: 1.05rem; color: var(--text); max-width: 420px; margin: 0 auto 2.2rem; font-weight: 300; line-height: 1.85; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.btn-ink { display: inline-block; background: var(--ink); color: var(--white); padding: 0.88rem 2.2rem; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; border: none; border-radius: var(--r); cursor: pointer; transition: background 0.2s; }
.btn-ink:hover { background: var(--gold); color: var(--white); }
.btn-outline { display: inline-block; background: transparent; color: var(--ink); padding: 0.88rem 2.2rem; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; border: 1px solid var(--warm3); border-radius: var(--r); cursor: pointer; transition: all 0.2s; }
.btn-outline:hover { border-color: var(--ink); }

/* ── DISCLAIMER ── */
.disclaimer { background: var(--warm2); border-top: 1px solid var(--warm3); padding: 1.8rem 6%; font-size: 0.73rem; color: var(--text); line-height: 1.75; font-weight: 300; }
.disclaimer strong { color: var(--ink); font-weight: 500; }
.disclaimer-inner { max-width: 1160px; margin: 0 auto; }

/* ── FOOTER ── */
footer { background: var(--ink); padding: 4rem 6% 2.5rem; }
.footer-inner { max-width: 1160px; margin: 0 auto; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 4rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.07); }
.footer-brand .fb-main { font-family: var(--serif); font-size: 1.2rem; font-weight: 400; color: var(--white); }
.footer-brand .fb-sub { font-size: 0.58rem; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-top: 3px; }
.footer-brand p { font-size: 0.79rem; color: rgba(255,255,255,0.32); margin-top: 1rem; line-height: 1.8; max-width: 240px; font-weight: 300; }
.footer-col h4 { font-size: 0.6rem; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 1.1rem; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col ul a { font-size: 0.8rem; color: rgba(255,255,255,0.32); transition: color 0.2s; font-weight: 300; }
.footer-col ul a:hover { color: var(--white); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; padding-top: 2rem; font-size: 0.71rem; color: rgba(255,255,255,0.2); font-weight: 300; }
.footer-bottom a { color: var(--gold); }

/* ── VALUES / ABOUT ── */
.values-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 0; border: 1px solid var(--warm3); margin-top: 3.5rem; }
.val-cell { padding: 2.5rem 2rem; border-right: 1px solid var(--warm3); border-bottom: 1px solid var(--warm3); }
.val-cell:nth-child(3n) { border-right: none; }
.val-cell:nth-child(n+4) { border-bottom: none; }
.val-mark { font-family: var(--serif); font-size: 1.6rem; color: var(--gold); margin-bottom: 0.9rem; font-style: italic; }
.val-cell h3 { font-size: 1rem; font-weight: 400; margin-bottom: 0.5rem; }
.val-cell p { font-size: 0.98rem; color: var(--text); line-height: 1.75; font-weight: 300; }

/* ── EDUCATION ── */
.edu-nav { display: flex; border-bottom: 1px solid var(--warm3); margin-bottom: 4rem; overflow-x: auto; }
.edu-tab { padding: 1rem 1.8rem; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--light); background: none; border: none; border-bottom: 2px solid transparent; margin-bottom: -1px; cursor: pointer; transition: all 0.2s; white-space: nowrap; font-family: var(--sans); }
.edu-tab:hover { color: var(--ink); }
.edu-tab.active { color: var(--ink); border-bottom-color: var(--gold); }
.edu-panel { display: none; }
.edu-panel.active { display: block; animation: fadeUp 0.35s ease; }
@keyframes fadeUp { from{opacity:0;transform:translateY(10px)} to{opacity:1;transform:translateY(0)} }
.product-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; margin-top: 2.5rem; }
.prod-tile { background: var(--warm); border: 1px solid var(--warm3); }
.prod-tile-head { padding: 1.8rem 1.6rem 1.4rem; border-bottom: 1px solid var(--warm3); }
.prod-tile-head .ptag { font-size: 0.58rem; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.4rem; }
.prod-tile-head h3 { font-size: 1.08rem; font-weight: 400; }
.prod-tile-body { padding: 1.4rem 1.6rem; }
.prod-tile-body ul { list-style: none; display: flex; flex-direction: column; gap: 0.65rem; }
.prod-tile-body li { font-size: 0.97rem; color: var(--text); padding-left: 1.1rem; position: relative; line-height: 1.6; font-weight: 300; }
.prod-tile-body li::before { content: '-'; position: absolute; left: 0; color: var(--gold); font-size: 0.74rem; }
.info-panel { background: var(--warm); border: 1px solid var(--warm3); border-left: 2px solid var(--gold); padding: 2rem 2.2rem; margin-top: 2rem; }
.info-panel h3 { font-size: 1.05rem; font-weight: 400; margin-bottom: 0.7rem; }
.info-panel p { font-size: 1.01rem; color: var(--text); line-height: 1.8; font-weight: 300; }
.compare-table { width: 100%; border-collapse: collapse; margin-top: 2.5rem; font-size: 0.99rem; }
.compare-table th { font-family: var(--serif); font-size: 1.05rem; font-weight: 400; padding: 1.1rem 1.4rem; text-align: left; background: var(--ink); color: var(--white); }
.compare-table th:first-child { background: var(--ink2); color: var(--light); font-family: var(--sans); font-size: 0.68rem; letter-spacing: 0.1em; text-transform: uppercase; }
.compare-table td { padding: 0.95rem 1.4rem; border-bottom: 1px solid var(--warm3); color: var(--text); font-weight: 300; line-height: 1.6; }
.compare-table tr:nth-child(odd) td { background: var(--warm); }
.compare-table td:first-child { font-weight: 500; color: var(--ink); font-size: 0.78rem; letter-spacing: 0.02em; }
.glossary-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1px; background: var(--warm3); margin-top: 2.5rem; }
.glossary-cell { background: var(--white); padding: 1.8rem; }
.glossary-cell h4 { font-family: var(--serif); font-size: 1rem; font-weight: 400; margin-bottom: 0.45rem; }
.glossary-cell p { font-size: 0.96rem; color: var(--text); line-height: 1.75; font-weight: 300; }

/* ── QUOTE FORM ── */
.quote-wrap { display: grid; grid-template-columns: 1fr 300px; gap: 3rem; align-items: start; }
.prog-row { display: flex; align-items: center; margin-bottom: 3rem; overflow-x: auto; padding-bottom: 4px; }
.pstep { display: flex; flex-direction: column; align-items: center; gap: 0.4rem; min-width: 60px; }
.pstep .pc { width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--warm3); background: var(--white); display: flex; align-items: center; justify-content: center; font-size: 0.7rem; font-weight: 500; color: var(--light); transition: all 0.3s; }
.pstep.done .pc { background: var(--gold); border-color: var(--gold); color: var(--white); }
.pstep.active .pc { border-color: var(--ink); color: var(--ink); }
.pstep .pl { font-size: 0.58rem; color: var(--light); font-weight: 500; letter-spacing: 0.06em; text-align: center; max-width: 54px; line-height: 1.3; text-transform: uppercase; }
.pstep.active .pl, .pstep.done .pl { color: var(--ink); }
.pline { flex: 1; height: 1px; background: var(--warm3); min-width: 12px; margin-bottom: 18px; transition: background 0.3s; }
.pline.done { background: var(--gold); }
.fstep { display: none; }
.fstep.active { display: block; animation: fadeUp 0.3s ease; }
.fcard { background: var(--white); border: 1px solid var(--warm3); padding: 2.8rem; }
.fcard h2 { font-size: 1.5rem; font-weight: 400; margin-bottom: 0.3rem; }
.fcard .fsub { font-size: 0.99rem; color: var(--text); margin-bottom: 2.2rem; font-weight: 300; }
.field { margin-bottom: 1.5rem; }
.field label { display: block; font-size: 0.68rem; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; color: var(--stone); margin-bottom: 0.45rem; }
.field input, .field select, .field textarea { width: 100%; padding: 0.72rem 1rem; border: 1px solid var(--warm3); background: var(--warm); font-family: var(--sans); font-size: 0.88rem; color: var(--ink); outline: none; border-radius: var(--r); transition: border-color 0.2s, background 0.2s; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--gold); background: var(--white); }
.field textarea { resize: vertical; min-height: 88px; }
.choices { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 0.4rem; }

/* Rider selection cards - replaces broken checkbox layout */
.rider-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 0.85rem;
  margin-top: 0.5rem;
}
.rider-card {
  background: var(--warm);
  border: 1px solid var(--warm3);
  border-radius: var(--r);
  padding: 1.1rem 1.3rem;
  text-align: left;
  cursor: pointer;
  font-family: var(--sans);
  width: 100%;
  transition: border-color 0.2s, background 0.2s;
}
.rider-card:hover { border-color: var(--gold); background: var(--white); }
.rider-card.selected { background: var(--ink); border-color: var(--ink); }
.rider-card.selected .rider-card-title { color: var(--white); }
.rider-card.selected .rider-card-title::before { content: '✓  '; color: var(--gold); }
.rider-card.selected .rider-card-desc { color: rgba(255,255,255,0.55); }
.rider-card-title {
  font-family: var(--serif);
  font-size: 1.02rem;
  font-weight: 400;
  color: var(--ink);
  margin-bottom: 0.45rem;
  transition: color 0.2s;
}
.rider-card-desc {
  font-size: 0.86rem;
  color: var(--text);
  font-weight: 300;
  line-height: 1.7;
  transition: color 0.2s;
}
@media(max-width:700px){ .rider-grid { grid-template-columns: 1fr; } }

/* Required client disclosures with individual checkboxes */
.disclosure-list {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-top: 0.5rem;
}
.disclosure-item {
  background: var(--warm);
  border: 1px solid var(--warm3);
  border-radius: var(--r);
  padding: 1.1rem 1.3rem;
  transition: border-color 0.2s, background 0.2s;
}
.disclosure-item:has(.disclosure-check:checked) {
  background: var(--white);
  border-color: var(--gold);
}
.disclosure-label {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  cursor: pointer;
  width: 100%;
}
.disclosure-check {
  width: 17px;
  height: 17px;
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--gold);
  cursor: pointer;
}
.disclosure-title {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 400;
  color: var(--ink);
  margin-bottom: 0.4rem;
}
.disclosure-text {
  font-size: 0.86rem;
  color: var(--text);
  font-weight: 300;
  line-height: 1.75;
}

/* Medication add-list builder */
.med-input-row {
  display: flex;
  gap: 0.6rem;
  margin-top: 0.5rem;
  flex-wrap: wrap;
}
.med-input-row input[type="text"] {
  flex: 1;
  min-width: 200px;
  padding: 0.72rem 1rem;
  border: 1px solid var(--warm3);
  background: var(--warm);
  font-family: var(--sans);
  font-size: 0.88rem;
  color: var(--ink);
  outline: none;
  border-radius: var(--r);
  transition: border-color 0.2s, background 0.2s;
}
.med-input-row input[type="text"]:focus { border-color: var(--gold); background: var(--white); }
.med-add-btn {
  background: var(--ink);
  color: var(--white);
  border: none;
  padding: 0.72rem 1.3rem;
  border-radius: var(--r);
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  cursor: pointer;
  transition: background 0.2s;
  white-space: nowrap;
}
.med-add-btn:hover { background: var(--gold); }
.med-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.8rem;
}
.med-pill {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--warm);
  border: 1px solid var(--warm3);
  border-radius: var(--r);
  padding: 0.65rem 1rem;
  font-size: 0.86rem;
  color: var(--ink);
}
.med-pill-name { font-family: var(--serif); font-size: 0.95rem; }
.med-pill-remove {
  background: none;
  border: none;
  color: var(--light);
  cursor: pointer;
  font-size: 1.1rem;
  line-height: 1;
  padding: 0.2rem 0.5rem;
  transition: color 0.2s;
}
.med-pill-remove:hover { color: var(--gold); }
.med-none-btn {
  margin-top: 0.8rem;
  background: var(--warm);
  border: 1px solid var(--warm3);
  border-radius: var(--r);
  padding: 0.6rem 1.1rem;
  font-family: var(--sans);
  font-size: 0.78rem;
  color: var(--text);
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}
.med-none-btn:hover { border-color: var(--gold); }
.med-none-btn.active { background: var(--ink); border-color: var(--ink); color: var(--white); }


.cbtn { padding: 0.48rem 1.1rem; font-size: 0.78rem; font-weight: 400; background: var(--warm); border: 1px solid var(--warm3); color: var(--stone); border-radius: var(--r); cursor: pointer; transition: all 0.2s; font-family: var(--sans); }
.cbtn:hover { border-color: var(--gold); color: var(--ink); }
.cbtn.sel { background: var(--ink); border-color: var(--ink); color: var(--white); }
.pob { border: 1px solid var(--warm3); padding: 1.3rem 1.5rem; margin-bottom: 0.75rem; cursor: pointer; transition: border-color 0.2s; border-radius: var(--r); }
.pob:hover { border-color: var(--gold); }
.pob.sel { border-color: var(--ink); }
.pob-hdr { display: flex; align-items: center; gap: 0.7rem; }
.pob-radio { width: 15px; height: 15px; border-radius: 50%; border: 1.5px solid var(--warm3); flex-shrink: 0; transition: all 0.2s; }
.pob.sel .pob-radio { border-color: var(--ink); background: var(--ink); }
.pob-title { font-size: 0.88rem; font-weight: 500; color: var(--ink); }
.pob-desc { font-size: 0.79rem; color: var(--text); margin-top: 0.3rem; margin-left: 1.55rem; font-weight: 300; }
.pob-sub { display: none; margin-top: 1.1rem; margin-left: 1.55rem; padding-top: 1.1rem; border-top: 1px solid var(--warm3); }
.pob.sel .pob-sub { display: block; }
.owner-exp { background: var(--warm); border: 1px solid var(--warm3); padding: 1.8rem; margin-top: 1.2rem; display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; border-radius: var(--r); }
.exp-box { padding: 1.1rem; background: var(--white); border-top: 2px solid var(--gold); }
.exp-label { font-size: 0.6rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.45rem; }
.exp-box p { font-size: 0.96rem; color: var(--text); line-height: 1.7; font-weight: 300; }
.exp-note { grid-column: 1/-1; font-size: 0.77rem; color: var(--light); line-height: 1.65; font-weight: 300; }
.legal-box { background: var(--warm); border-left: 2px solid var(--gold); padding: 1.1rem 1.3rem; font-size: 0.75rem; color: var(--text); line-height: 1.75; margin-top: 1.6rem; font-weight: 300; }
.legal-box strong { color: var(--ink); font-weight: 500; }
.form-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2.5rem; padding-top: 1.8rem; border-top: 1px solid var(--warm3); }
.btn-prev { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase; color: var(--light); background: none; border: none; cursor: pointer; transition: color 0.2s; font-family: var(--sans); }
.btn-prev:hover { color: var(--ink); }
.btn-next { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; background: var(--ink); color: var(--white); border: none; padding: 0.88rem 2.2rem; border-radius: var(--r); cursor: pointer; transition: background 0.2s; font-family: var(--sans); }
.btn-next:hover { background: var(--gold); }
.btn-submit { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; background: var(--gold); color: var(--white); border: none; padding: 0.88rem 2.2rem; border-radius: var(--r); cursor: pointer; transition: background 0.2s; font-family: var(--sans); }
.btn-submit:hover { background: var(--gold2); }
.q-sidebar { display: flex; flex-direction: column; gap: 1.5rem; }
.q-tile { background: var(--warm); border: 1px solid var(--warm3); padding: 1.7rem; }
.q-tile h4 { font-size: 0.92rem; font-weight: 400; margin-bottom: 0.65rem; }
.q-tile p { font-size: 0.81rem; color: var(--text); line-height: 1.75; font-weight: 300; }
.q-tile ul { list-style: none; display: flex; flex-direction: column; gap: 0.45rem; padding: 0; }
.q-tile li { font-size: 0.81rem; color: var(--text); padding-left: 1rem; position: relative; font-weight: 300; }
.q-tile li::before { content: '-'; position: absolute; left: 0; color: var(--gold); }
.success-block { text-align: center; padding: 4rem 2rem; display: none; }
.success-block.active { display: block; }
.success-mark { font-family: var(--serif); font-size: 4rem; color: var(--gold); font-style: italic; margin-bottom: 1rem; }
.success-block h2 { font-size: 1.8rem; font-weight: 300; margin-bottom: 0.75rem; }
.success-block p { font-size: 0.88rem; color: var(--text); max-width: 400px; margin: 0 auto; font-weight: 300; line-height: 1.8; }

/* ── CHAT ── */
.chat-wrap { display: grid; grid-template-columns: 240px 1fr; gap: 2rem; align-items: start; }
.chat-side { background: var(--warm); border: 1px solid var(--warm3); padding: 1.7rem; }
.chat-side h3 { font-size: 0.95rem; font-weight: 400; margin-bottom: 1.2rem; }
.topic-list { list-style: none; display: flex; flex-direction: column; }
.topic-list li { font-size: 0.8rem; color: var(--text); padding: 0.6rem 0; border-bottom: 1px solid var(--warm3); cursor: pointer; transition: color 0.2s; display: flex; align-items: center; gap: 0.45rem; font-weight: 300; line-height: 1.4; }
.topic-list li:last-child { border-bottom: none; }
.topic-list li:hover { color: var(--gold); }
.topic-list li::before { content: '›'; color: var(--gold); font-size: 1rem; flex-shrink: 0; }
.chat-panel { background: var(--white); border: 1px solid var(--warm3); display: flex; flex-direction: column; height: 600px; }
.chat-top { background: var(--ink); padding: 1.1rem 1.6rem; display: flex; align-items: center; gap: 0.9rem; }
.chat-av { width: 36px; height: 36px; border-radius: 50%; background: var(--gold); display: flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 0.9rem; color: var(--white); font-style: italic; flex-shrink: 0; }
.chat-name { font-size: 0.86rem; color: var(--white); font-weight: 400; }
.chat-status { font-size: 0.66rem; color: var(--gold); display: flex; align-items: center; gap: 0.3rem; margin-top: 2px; }
.chat-status::before { content: ''; display: block; width: 5px; height: 5px; border-radius: 50%; background: #86EFAC; }
.chat-msgs { flex: 1; overflow-y: auto; padding: 1.6rem; display: flex; flex-direction: column; gap: 1.1rem; }
.cmsg { display: flex; gap: 0.65rem; max-width: 88%; }
.cmsg.agent { align-self: flex-start; }
.cmsg.user { align-self: flex-end; flex-direction: row-reverse; }
.cbubble { padding: 0.78rem 1.1rem; font-size: 0.85rem; line-height: 1.65; font-weight: 300; }
.cmsg.agent .cbubble { background: var(--warm); color: var(--ink); border-radius: 0 8px 8px 8px; }
.cmsg.user .cbubble { background: var(--ink); color: var(--white); border-radius: 8px 0 8px 8px; }
.ctime { font-size: 0.64rem; color: var(--light); margin-top: 0.2rem; }
.cmsg.user .ctime { text-align: right; }
.typing-ind { display: none; align-self: flex-start; }
.typing-ind.on { display: flex; gap: 0.65rem; }
.typing-bub { background: var(--warm); border-radius: 0 8px 8px 8px; padding: 0.78rem 1rem; display: flex; gap: 4px; align-items: center; }
.tdot { width: 5px; height: 5px; border-radius: 50%; background: var(--light); animation: td 1.2s infinite; }
.tdot:nth-child(2){animation-delay:0.2s} .tdot:nth-child(3){animation-delay:0.4s}
@keyframes td{0%,60%,100%{opacity:0.3;transform:scale(0.8)}30%{opacity:1;transform:scale(1)}}
.chat-quick { padding: 0.75rem 1.6rem; border-top: 1px solid var(--warm3); display: flex; flex-wrap: wrap; gap: 0.4rem; }
.qbtn { font-size: 0.73rem; padding: 0.28rem 0.85rem; background: var(--warm); border: 1px solid var(--warm3); color: var(--stone); border-radius: var(--r); cursor: pointer; transition: all 0.2s; font-family: var(--sans); }
.qbtn:hover { background: var(--ink); color: var(--white); border-color: var(--ink); }
.chat-bar { padding: 1rem 1.6rem; border-top: 1px solid var(--warm3); display: flex; gap: 0.7rem; align-items: center; }
.chat-in { flex: 1; border: 1px solid var(--warm3); background: var(--warm); padding: 0.62rem 1rem; font-family: var(--sans); font-size: 0.86rem; outline: none; border-radius: var(--r); transition: border-color 0.2s; }
.chat-in:focus { border-color: var(--gold); background: var(--white); }
.chat-go { width: 37px; height: 37px; background: var(--ink); border: none; color: var(--white); border-radius: var(--r); cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 0.82rem; transition: background 0.2s; flex-shrink: 0; }
.chat-go:hover { background: var(--gold); }

/* ── CONTACT ── */
.contact-wrap { display: grid; grid-template-columns: 1fr 1.4fr; gap: 4rem; align-items: start; }
.contact-info { display: flex; flex-direction: column; }
.cblock { padding: 1.8rem 0; border-bottom: 1px solid var(--warm3); }
.cblock:first-child { padding-top: 0; }
.cblock-label { font-size: 0.6rem; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.45rem; }
.cblock p { font-size: 0.9rem; color: var(--ink); line-height: 1.65; }
.cblock a { color: var(--gold); }
.cblock small { font-size: 0.76rem; color: var(--light); font-weight: 300; margin-top: 3px; display: block; }
.cf-panel { background: var(--warm); border: 1px solid var(--warm3); padding: 3rem; }
.cf-panel h3 { font-size: 1.35rem; font-weight: 400; margin-bottom: 0.35rem; }
.cf-panel .csub { font-size: 0.84rem; color: var(--text); margin-bottom: 2.2rem; font-weight: 300; }

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .nav-links{display:none;} .hamburger{display:flex;}
  .hero{grid-template-columns:1fr;min-height:auto;}
  .hero-right{display:none;}
  .hero-left{padding:7rem 6% 5rem;min-height:80vh;}
  .phs{grid-template-columns:1fr;}
  .phs-right{padding:4rem 6%;}
  .cond-mosaic{grid-template-columns:repeat(3,1fr);}
  .proc-grid{grid-template-columns:repeat(2,1fr);}
  .proc-item{border-bottom:1px solid var(--warm3);}
  .values-grid{grid-template-columns:repeat(2,1fr);}
  .values-grid .val-cell:nth-child(3n){border-right:1px solid var(--warm3);}
  .values-grid .val-cell:nth-child(2n){border-right:none;}
  .product-row{grid-template-columns:1fr 1fr;}
  .glossary-grid{grid-template-columns:repeat(2,1fr);}
  .quote-wrap{grid-template-columns:1fr;}
  .contact-wrap{grid-template-columns:1fr;}
  .chat-wrap{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;}
}
.mistake-cell {
  background: var(--white);
  padding: 1.4rem 1.6rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  transition: background 0.2s;
}
.mistake-cell:hover { background: var(--warm); }
.mistake-num {
  font-family: var(--serif);
  font-size: 0.75rem;
  font-weight: 400;
  color: var(--gold);
  letter-spacing: 0.08em;
}
.mistake-title {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 400;
  color: var(--ink);
  line-height: 1.3;
}
.mistake-body {
  font-size: 0.81rem;
  color: var(--text);
  line-height: 1.72;
  font-weight: 300;
}
@media(max-width:700px){
  #mistakesGrid { grid-template-columns: 1fr !important; }
}

/* ── LICENSE FOOTER ── */
.footer-license {
  margin-top: 1.4rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.fl-title {
  font-family: var(--sans);
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.fl-body {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.32);
  line-height: 1.8;
  font-weight: 300;
  max-width: 340px;
}
.fl-body strong { color: rgba(255,255,255,0.6); font-weight: 500; }
.fl-body a {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.fl-body em { font-style: italic; color: rgba(255,255,255,0.45); }
.fl-npn {
  margin-top: 0.9rem;
  font-size: 0.76rem;
  color: rgba(255,255,255,0.35);
  font-weight: 300;
  line-height: 1.6;
}
.fl-npn strong {
  color: var(--gold);
  font-weight: 500;
  letter-spacing: 0.04em;
}

/* ── CARRIER DISCLOSURE FOOTER ── */
.footer-carriers {
  margin-top: 1.4rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.footer-carriers .fl-title {
  font-family: var(--sans);
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.footer-carriers .fl-body {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.8;
  font-weight: 300;
  max-width: 340px;
}
.footer-carriers .fl-body strong {
  color: rgba(255,255,255,0.55);
  font-weight: 500;
}

/* ── CARRIER NAMES - compact horizontal wrap ── */
.footer-carriers .fl-body {
  font-size: 0.65rem !important;
  color: rgba(255,255,255,0.18) !important;
  line-height: 1.7 !important;
  max-width: 100% !important;
  display: flex;
  flex-wrap: wrap;
  gap: 0.15rem 0;
}