:root{
  --navy:#152A5C; --navy-900:#0D1B3E; --navy-050:#EEF1F8;
  --red:#1E6E63; --red-dark:#14524A; /* calm teal accent — was AMANA red; red now reserved for logo & emergencies */ --gold:#E8A33D;
  --paper:#F8F9FB; --white:#fff; --ink:#17223B; --slate:#5A6478; --line:#E3E7EF;
  --radius:16px; --shadow:0 12px 32px rgba(13,27,62,.10);
  --disp:'Fraunces',serif; --body:'Plus Jakarta Sans',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);background:var(--paper);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
h1,h2{font-family:var(--disp);font-weight:500;letter-spacing:-.015em;line-height:1.1}
h2{font-size:clamp(27px,3.4vw,40px)}
.kick{font-size:12.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--red);display:flex;align-items:center;gap:10px;margin-bottom:12px}
.kick::before{content:"";width:26px;height:2px;background:var(--red)}
.sub{color:var(--slate);font-size:16.5px;max-width:62ch;margin-top:12px}
section{padding:84px 0}
@media(max-width:768px){section{padding:52px 0}}
.center{text-align:center}.center .sub{margin-left:auto;margin-right:auto}
.center .kick{justify-content:center}

.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:15px;padding:14px 24px;border-radius:12px;border:2px solid transparent;cursor:pointer;transition:all .18s ease;font-family:var(--body)}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-dark);transform:translateY(-2px);box-shadow:0 10px 22px rgba(30,110,99,.32)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(21,42,92,.32)}
.btn-line{border-color:var(--navy);color:var(--navy)}
.btn-line:hover{background:var(--navy-050)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{transform:translateY(-2px)}
.wa{width:18px;height:18px;fill:currentColor;flex:none}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}

/* ===== mode visibility (no inline styles anywhere) ===== */
.p-only,.b-only{display:none!important}
body.m-personal .p-only{display:block!important}
body.m-business .b-only{display:block!important}
body.m-personal .p-only.as-grid,body.m-business .b-only.as-grid{display:grid!important}
body.m-personal .p-only.as-flex,body.m-business .b-only.as-flex{display:flex!important}
body.m-personal span.p-only,body.m-business span.b-only{display:inline!important}

.topbar{background:var(--navy-900);color:#C9D2E6;font-size:13px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar b{color:#fff}.topbar a{color:var(--gold);font-weight:700}

nav{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;height:72px;gap:20px}
.logo-img{height:42px;width:auto}
.logo-fb{font-family:var(--disp);font-size:24px;font-weight:600;color:var(--navy)}
.logo-fb span{color:var(--red)}
.nav-links{display:flex;gap:20px;font-size:14.5px;font-weight:600;margin-right:auto}
.nav-links a{padding:6px 0;border-bottom:2.5px solid transparent}
.nav-links a:hover,.nav-links a.on{border-color:var(--red);color:var(--navy)}
/* toggle — right of the page */
.mode{display:inline-flex;background:var(--navy-050);border:1px solid var(--line);border-radius:999px;padding:4px;gap:3px;margin-left:auto}
.mode button{font-family:var(--body);font-weight:800;font-size:13px;padding:8px 18px;border-radius:999px;border:none;background:transparent;color:var(--slate);cursor:pointer;transition:all .2s;white-space:nowrap}
.mode button.on{background:var(--navy);color:#fff}
body.m-business .mode button.on{background:var(--red)}
.nav-cta{display:flex;gap:9px}
.nav-cta .btn{padding:10px 16px;font-size:13.5px}
@media(max-width:1150px){.nav-links{display:none}.nav-links+.mode{margin-left:auto}}
@media(max-width:640px){.nav-cta{display:none}.mode{margin-left:auto}}

/* ===== HERO — full-bleed image banner, minimal copy ===== */
.hero{position:relative;min-height:76vh;display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:linear-gradient(115deg,var(--navy-900),var(--navy))}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:opacity .45s ease}
.hero-ol{position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,27,62,.92) 0%,rgba(13,27,62,.62) 46%,rgba(13,27,62,.18) 100%)}
.hero-content{position:relative;z-index:2;width:100%;padding-bottom:64px;padding-top:120px}
.hero .kick{color:var(--gold)}.hero .kick::before{background:var(--gold)}
.hero h1{font-size:clamp(38px,5.6vw,66px);max-width:14ch}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero .one{color:#D5DDEE;font-size:17px;margin:14px 0 22px;max-width:44ch}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 24px}
.chip{font-weight:700;font-size:14.5px;padding:11px 20px;border-radius:999px;border:1.5px solid rgba(255,255,255,.4);background:rgba(13,27,62,.25);backdrop-filter:blur(6px);color:#fff;cursor:pointer;transition:all .16s;font-family:var(--body)}
.chip:hover{border-color:#fff}
.chip.active{background:var(--red);border-color:var(--red)}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.gmini{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;color:#D5DDEE}
.gmini b{color:#fff;font-size:15px}
.gmini .st{color:var(--gold)}
@media(max-width:768px){.hero{min-height:88vh}.hero-content{padding-bottom:48px}}

.trust{background:#fff;border-bottom:1px solid var(--line);padding:22px 0}
.trust .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.t{display:flex;flex-direction:column}
.t b{font-family:var(--disp);font-size:24px;color:var(--navy)}
.t b i{color:var(--red);font-style:normal}
.t span{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--slate)}

.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:38px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
@media(max-width:960px){.grid3,.grid4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid3,.grid4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;transition:all .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:#c9d3e8}

.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:flex;flex-direction:column;gap:7px;transition:all .2s;cursor:pointer}
.pcard:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:var(--navy)}
.pcard .ic{width:44px;height:44px;border-radius:12px;background:var(--navy-050);color:var(--navy);display:grid;place-items:center;font-size:21px;margin-bottom:4px}
.pcard b{font-size:15.5px;color:var(--navy)}
.pcard span{font-size:13px;color:var(--slate);flex:1}
.pcard .go{font-size:13px;font-weight:800;color:var(--red)}
.ptag{align-self:flex-start;font-size:10px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:4px 10px;border-radius:999px;background:var(--navy-050);color:var(--navy)}
.ptag.fixed{background:#E8F5EC;color:#1B7A3D}

.stages{background:#fff}
.stage-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:38px}
@media(max-width:1000px){.stage-row{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.stage-row{grid-template-columns:1fr}}
.stage{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--paper);transition:all .2s;text-align:left}
.stage:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.stage img{aspect-ratio:4/3;object-fit:cover;width:100%}
.img-fb{display:none;place-items:center;background:linear-gradient(135deg,#23407f,#152A5C);color:#8FA0C9;font-weight:700;font-size:13px;letter-spacing:.08em;aspect-ratio:4/3}
.stage .in{padding:15px 16px 17px}
.stage .age{font-size:11px;font-weight:800;letter-spacing:.12em;color:var(--red);text-transform:uppercase}
.stage b{display:block;font-size:15px;color:var(--navy);margin:4px 0}
.stage span{font-size:12.5px;color:var(--slate)}

.tm{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 20px;text-align:center;transition:all .2s}
.tm:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.tm .av{width:84px;height:84px;border-radius:50%;background:linear-gradient(135deg,var(--navy),#23407f);color:#fff;display:grid;place-items:center;font-family:var(--disp);font-size:26px;margin:0 auto 12px;border:3px solid var(--gold);position:relative;overflow:hidden}
.tm .av img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.tm b{display:block;color:var(--navy);font-size:15.5px}
.tm .role{font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--red);margin:4px 0 8px;display:block}
.tm p{font-size:13px;color:var(--slate)}

.princ{background:var(--navy-900);color:#DCE3F2}
.princ .kick{color:var(--gold)}.princ .kick::before{background:var(--gold)}
.princ h2{color:#fff}.princ .sub{color:#9FAECB}
.pr-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}
@media(max-width:900px){.pr-grid{grid-template-columns:1fr}}
.pr{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:24px}
.pr .n{font-family:var(--disp);font-style:italic;color:var(--gold);font-size:19px}
.pr h4{color:#fff;font-size:16px;margin:10px 0 6px}
.pr p{font-size:13.5px;color:#9FAECB}

.plans-row{display:flex;gap:16px;overflow-x:auto;padding:6px 4px 16px;scroll-snap-type:x proximity;cursor:grab;user-select:none}.plans-row.drag{cursor:grabbing;scroll-snap-type:none}.plans-row>.plan{min-width:272px;max-width:272px;flex:0 0 auto;scroll-snap-align:start}
.who-row{display:flex;gap:14px;overflow-x:auto;padding:4px 2px 12px;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch}.who-row>.card{min-width:250px;flex:0 0 auto;scroll-snap-align:start}
.rowlab{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--slate);margin-top:30px;text-align:left}
.rating-lock{display:inline-flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px 22px;margin-top:22px}
.rating-lock .big{font-family:var(--disp);font-size:40px;color:var(--navy)}
.rating-lock .stars{color:var(--gold);letter-spacing:3px;font-size:16px}
.rating-lock small{display:block;color:var(--slate);font-size:12.5px}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin:26px 0 18px}
.fch{font-size:13px;font-weight:700;padding:8px 15px;border-radius:999px;border:1.5px solid var(--line);background:#fff;cursor:pointer;font-family:var(--body)}
.fch.active,.fch:hover{border-color:var(--red);color:var(--red);background:#E9F3F1}
.rev{display:flex;flex-direction:column;gap:11px}
.rev .top{display:flex;gap:12px;align-items:center}
.avatar{width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.rev .top b{display:block;font-size:14px}
.rev .stars{color:var(--gold);font-size:12px;letter-spacing:2px}
.rev p{font-size:14px;color:var(--slate);flex:1}
.rtag{align-self:flex-start;font-size:10px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--red);background:#E9F3F1;padding:4px 10px;border-radius:999px}

.partners{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:48px 0}
.plogos{display:flex;gap:12px 14px;flex-wrap:wrap;justify-content:center;margin-top:26px}
.plogo{font-weight:800;font-size:14.5px;padding:11px 20px;border-radius:12px;border:1px solid var(--line);background:var(--paper);letter-spacing:.02em}
.pimg{padding:9px 18px;display:inline-flex;align-items:center}
.pimg img{height:30px;width:auto;display:block}
.pl-liberty{color:#003DA5}.pl-kurnia{color:#C8102E}.pl-etiqa{color:#F2A900;background:#FFFBEF}.pl-sompo{color:#DA291C}.pl-aia{color:#D31145}.pl-po{color:#1B4F9C}.pl-tak{color:#00553F}.pl-myeg{color:#0072BC}
.p-note{text-align:center;font-size:12.5px;color:var(--slate);margin-top:18px}
.p-note b{color:var(--navy)}

.icard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:all .2s}
.icard:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.icard .in{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.icard .cat{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--red)}
.icard b{font-size:15.5px;color:var(--navy);line-height:1.35}
.icard time{font-size:12.5px;color:var(--slate)}
.icard .read{margin-top:auto;font-size:13px;font-weight:800;color:var(--navy)}

.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px}
.faq summary{cursor:pointer;padding:17px 22px;font-weight:700;font-size:15px;list-style:none;display:flex;justify-content:space-between;gap:16px;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--red);font-size:21px;font-weight:400;transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 22px 18px;color:var(--slate);font-size:14.5px;max-width:72ch}
.faq-cols{display:grid;grid-template-columns:1fr 1fr;gap:44px;margin-top:36px}
@media(max-width:860px){.faq-cols{grid-template-columns:1fr}}
.faq-group h3{font-size:15px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);border-bottom:2px solid var(--red);display:inline-block;padding-bottom:6px;margin-bottom:18px}

.band{background:linear-gradient(115deg,var(--navy-900),var(--navy));color:#fff;text-align:center}
.band h2{color:#fff;max-width:24ch;margin:12px auto}
.band .sub{color:#9FAECB;margin:0 auto 28px}
.band em{color:var(--gold);font-style:italic}

.phero{background:linear-gradient(115deg,var(--navy-900),var(--navy));color:#fff;padding:60px 0 52px}
.phero .crumb{font-size:13px;color:#8FA0C9;margin-bottom:14px}
.phero .crumb a{color:var(--gold)}
.phero h1{font-size:clamp(30px,4.4vw,48px)}
.phero .lead{color:#C9D2E6;font-size:17px;margin-top:14px;max-width:62ch}
.phero .hero-cta{margin-top:24px}
.phero em{color:var(--gold);font-style:italic}

.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
@media(max-width:900px){.plans{grid-template-columns:1fr}}
.plan{background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:28px 24px;display:flex;flex-direction:column;position:relative;transition:all .2s}
.plan:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.plan.pop{border-color:var(--red)}
.plan .flag{position:absolute;top:-13px;left:24px;background:var(--red);color:#fff;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px}
.plan h4{font-size:17px;color:var(--navy)}
.plan .who{font-size:13px;color:var(--slate);margin:2px 0 16px}
.plan .price{font-family:var(--disp);font-size:38px;color:var(--navy);line-height:1}
.plan .price small{font-family:var(--body);font-size:13px;color:var(--slate);font-weight:600}
.plan .perday{font-size:12.5px;color:var(--red);font-weight:700;margin:6px 0 18px}
.plan ul{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:22px;flex:1}
.plan li{font-size:13.8px;color:var(--slate);display:flex;gap:9px}
.plan li::before{content:"✓";color:#1B7A3D;font-weight:800;flex:none}
.plan li b{color:var(--ink)}
.plan .btn{justify-content:center}
.illus{display:inline-flex;align-items:center;gap:8px;background:#FFF7E8;border:1px solid #F0DCAE;color:#8A6410;font-size:12.5px;font-weight:700;padding:9px 14px;border-radius:10px;margin-top:18px}
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-top:28px;font-size:14px}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:13px 16px;font-size:13px;letter-spacing:.04em}
.tbl td{padding:12px 16px;border-top:1px solid var(--line);color:var(--slate)}
.tbl td:first-child{color:var(--ink);font-weight:600}
.check{color:#1B7A3D;font-weight:800}
.steps-num{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
@media(max-width:860px){.steps-num{grid-template-columns:1fr}}
.snum{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.snum .n{font-family:var(--disp);font-style:italic;font-size:36px;color:var(--red);line-height:1}
.snum h4{margin:10px 0 6px;color:var(--navy);font-size:16px}
.snum p{font-size:14px;color:var(--slate)}

/* hotlines */
.hgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:28px;max-width:840px}
@media(max-width:700px){.hgrid{grid-template-columns:1fr}}
.hotline{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px 18px;transition:all .18s}
.hotline:hover{box-shadow:var(--shadow)}
.hotline .ic{width:42px;height:42px;border-radius:11px;background:#E9F3F1;color:var(--red);display:grid;place-items:center;font-size:18px;flex:none}
.hotline b{display:block;font-size:14.5px;color:var(--navy)}
.hotline a{font-size:16px;color:var(--red);font-weight:800;letter-spacing:.02em}
.hotline .hl-link{font-size:12.5px;color:var(--navy);font-weight:700}
.cl-tab.on{background:var(--navy);border-color:var(--navy);color:#fff}
.phil{background:#fff;border:1px solid var(--line);border-left:4px solid var(--red);border-radius:14px;padding:28px 30px;margin-top:32px}
.phil p{color:var(--slate);font-size:15px;margin-bottom:14px}
.phil p:last-child{margin-bottom:0}
.phil .pull{font-family:var(--disp);font-size:21px;color:var(--navy);line-height:1.4}
.commit{list-style:none;margin:20px 0;display:flex;flex-direction:column;gap:12px}
.commit li{display:flex;gap:11px;font-size:14.5px;color:var(--slate)}
.commit li::before{content:"—";color:var(--red);font-weight:800;flex:none}

/* AI assistant */
.ai{background:linear-gradient(115deg,var(--navy-900),var(--navy));color:#fff}
.ai .kick{color:var(--gold)}.ai .kick::before{background:var(--gold)}
.ai h2{color:#fff}.ai .sub{color:#9FAECB}
.ai-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:32px 28px;margin-top:36px;max-width:760px}
.ai-q{font-family:var(--disp);font-size:22px;margin-bottom:6px}
.ai-step{font-size:11.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:block}
.ai-opts{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.ai-opt{font-family:var(--body);font-weight:700;font-size:14px;padding:11px 20px;border-radius:12px;border:1.5px solid rgba(255,255,255,.35);background:transparent;color:#fff;cursor:pointer;transition:all .16s}
.ai-opt:hover{border-color:var(--gold);color:var(--gold)}
.ai-opt.sel{background:var(--red);border-color:var(--red);color:#fff}
.ai-res{display:none;margin-top:8px}
.ai-res.show{display:block}
.ai-res .rec{display:flex;gap:10px;align-items:flex-start;padding:10px 0;border-bottom:1px dashed rgba(255,255,255,.18);font-size:14.5px;color:#DCE3F2}
.ai-res .rec::before{content:"✓";color:var(--gold);font-weight:800;flex:none}
.ai-note{font-size:11.5px;color:#8FA0C9;margin-top:18px;line-height:1.6}
.ai-back{background:none;border:none;color:#8FA0C9;font-size:13px;font-weight:700;cursor:pointer;margin-top:16px;font-family:var(--body);text-decoration:underline}

/* image-backed business product hero */
.bp-hero{position:relative;overflow:hidden;padding:96px 0 76px}
.bp-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.bp-ol{position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,27,62,.94) 0%,rgba(13,27,62,.72) 52%,rgba(13,27,62,.34) 100%)}
/* ===== structured quote journey (SolarPro-style: Part 1 / 2 / 3) ===== */
.qj{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px 30px;margin-top:36px;max-width:820px;box-shadow:var(--shadow)}
.qj-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.qj-tab{font-family:var(--body);font-weight:800;font-size:13.5px;padding:10px 20px;border-radius:999px;border:1.5px solid var(--line);background:var(--paper);color:var(--slate);cursor:pointer;transition:all .16s}
.qj-tab.on{background:var(--navy);border-color:var(--navy);color:#fff}
.qj-part{display:flex;align-items:center;gap:12px;margin:26px 0 14px}
.qj-part .pn{width:32px;height:32px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:800;font-size:14px;flex:none}
.qj-part h4{font-size:16px;color:var(--navy)}
.qj-part span{font-size:12px;color:var(--slate)}
.qj-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:620px){.qj-grid{grid-template-columns:1fr}}
.qf label{display:block;font-size:12.5px;font-weight:800;color:var(--navy);letter-spacing:.03em}
.qf input,.qf select{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;font-size:14.5px;margin-top:6px;background:#fff;color:var(--ink)}
.qf input:focus,.qf select:focus{border-color:var(--red);outline:none}
.qj-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:620px){.qj-checks{grid-template-columns:1fr}}
.qj-check{display:flex;gap:10px;align-items:flex-start;background:var(--paper);border:1.5px solid var(--line);border-radius:10px;padding:12px 14px;font-size:14px;color:var(--slate);cursor:pointer;transition:all .15s}
.qj-check:hover{border-color:var(--red)}
.qj-check input{margin-top:3px;accent-color:var(--red)}
.qj-consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--slate);margin-top:22px;line-height:1.55}
.qj-consent input{margin-top:3px;accent-color:var(--red)}
.qj-decl{font-size:12.5px;color:var(--slate);margin-top:10px;padding-left:26px}
.qj .btn{margin-top:22px}
.qj-err{display:none;color:#B0121B;font-size:13px;font-weight:700;margin-top:12px}
.qj-err.show{display:block}

/* ===== legacy mode visibility ===== */
.l-only{display:none!important}
body.m-legacy .l-only{display:block!important}
body.m-legacy .l-only.as-grid{display:grid!important}
body.m-legacy .l-only.as-flex{display:flex!important}
body.m-legacy span.l-only{display:inline!important}
body.m-legacy .mode button.on{background:var(--gold);color:var(--navy-900)}
/* ===== one-question-at-a-time wizard ===== */
.wiz{background:#fff;border:1px solid var(--line);border-radius:22px;padding:44px 34px;margin-top:36px;max-width:640px;box-shadow:var(--shadow);text-align:center}
.wiz .wk{font-size:11px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--slate)}
.wiz .ws{font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--navy);margin-top:10px}
.wiz .dots{display:flex;gap:8px;justify-content:center;margin:14px 0 26px}
.wiz .dot{width:10px;height:10px;border-radius:50%;background:#D6DCE8;transition:background .2s}
.wiz .dot.done{background:var(--red)}
.wiz h3{font-family:var(--disp);font-weight:500;font-size:clamp(22px,3vw,30px);color:var(--navy);letter-spacing:-.01em;line-height:1.2;margin-bottom:22px}
.wiz .wopts{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.wiz .wopt{font-family:var(--body);font-weight:700;font-size:14.5px;padding:13px 22px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;transition:all .15s}
.wiz .wopt:hover{border-color:var(--red);color:var(--red)}
.wiz .wopt.sel{background:var(--red);border-color:var(--red);color:#fff}
.wiz input[type=text],.wiz input[type=tel],.wiz input[type=email]{width:100%;max-width:400px;padding:15px 18px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:15.5px;text-align:center}
.wiz input:focus{border-color:var(--red);outline:none}
.wiz .whelp{font-size:12.5px;color:var(--slate);margin-top:12px}
.wiz .wbtn{margin-top:24px}
.wiz .wback{display:inline-block;background:none;border:none;color:var(--slate);font-size:13px;font-weight:700;cursor:pointer;margin-top:18px;font-family:var(--body);text-decoration:underline}
.wiz .werr{display:none;color:#B0121B;font-size:13px;font-weight:700;margin-top:12px}
.wiz .werr.show{display:block}
.wiz .wthanks .tick{width:74px;height:74px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-size:34px;margin:6px auto 18px}
.wiz .wconsent{display:flex;gap:9px;align-items:flex-start;text-align:left;font-size:12.5px;color:var(--slate);max-width:400px;margin:18px auto 0;line-height:1.55}
.wiz .wconsent input{margin-top:2px;accent-color:var(--red)}
/* legacy product page bits */
.aia-badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1.5px solid #D31145;color:#D31145;font-weight:800;font-size:12.5px;letter-spacing:.06em;padding:8px 16px;border-radius:999px;text-transform:uppercase}
.factrow{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
@media(max-width:760px){.factrow{grid-template-columns:1fr}}
.fact{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.fact b{display:block;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--slate)}
.fact span{font-size:15px;color:var(--navy);font-weight:700}
footer{background:var(--navy-900);color:#8FA0C9;padding:56px 0 106px;font-size:14px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:38px}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr}}
.fgrid h5{color:#fff;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.fgrid a{display:block;padding:4px 0}
.fgrid a:hover{color:var(--gold)}
.flegal{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:20px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:12.5px}

.wa-float{position:fixed;right:22px;bottom:22px;z-index:70;background:#25D366;color:#fff;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;box-shadow:0 10px 28px rgba(0,0,0,.28);transition:transform .18s}
.wa-float:hover{transform:scale(1.08)}
.wa-float .wa{width:27px;height:27px}
.mob-bar{position:fixed;bottom:0;left:0;right:0;z-index:65;display:none;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:8px}
.mob-bar .btn{flex:1;justify-content:center;padding:12px 8px;font-size:13.5px}
@media(max-width:768px){.mob-bar{display:flex}.wa-float{bottom:84px;right:16px}}

.page{display:none}.page.on{display:block}
.rv{opacity:1;transform:none}
html.js-reveal .rv{opacity:0;transform:translateY(14px);transition:opacity .6s,transform .6s}
html.js-reveal .rv.in{opacity:1;transform:none}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* ===== production additions ===== */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}.skip:focus{left:0}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px}.burger span{display:block;width:22px;height:2.5px;background:var(--navy);margin:4.5px 0;border-radius:2px}
.avatar-init{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;margin:0 auto 10px;font-family:'Plus Jakarta Sans',sans-serif}
.band-lite{background:#fff;padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(max-width:860px){.burger{display:block}
 #mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 16px;box-shadow:0 12px 24px rgba(13,27,62,.08)}
 #mainnav.open{display:flex;flex-direction:column;gap:2px}
 #mainnav a{padding:10px 4px;border-bottom:1px solid var(--bg)}
 .nav .wrap{position:relative}
 .mode-toggle{width:100%;justify-content:center;margin-top:8px}}
img{max-width:100%}

/* faq search + privacy prose */
.faq-search{max-width:640px;margin:0 0 22px}
.faq-search input{width:100%;padding:14px 18px;border:1.5px solid var(--line);border-radius:14px;font:inherit;font-size:16px}
.faq-search input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(21,42,92,.12)}
.faq-none{color:var(--slate);font-size:14px;margin-top:10px}
.prose{max-width:760px}.prose h2{font-size:20px;margin:26px 0 8px;color:var(--navy)}.prose p{color:var(--slate);line-height:1.7;margin:0 0 12px}

/* ===== Insights article + featured ===== */
.post-hero{background:var(--navy-900);color:#fff;padding:64px 0 40px}
.post-hero .crumb{color:#9fb0d8;font-size:13px;margin-bottom:16px}
.post-hero .crumb a{color:var(--gold);text-decoration:none}
.post-cat{color:var(--gold);font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px}
.post-hero h1{font-family:Fraunces,serif;font-size:clamp(28px,4vw,42px);line-height:1.15;max-width:820px}
.post-meta{color:#9fb0d8;font-size:14px;margin-top:14px}
.post-body{max-width:720px;padding:44px 20px 20px}
.post-body .lede{font-size:19px;line-height:1.65;color:var(--navy);font-weight:500;margin-bottom:26px}
.post-body h2{font-family:Fraunces,serif;font-size:24px;color:var(--navy);margin:34px 0 10px}
.post-body p{color:var(--slate);line-height:1.75;margin:0 0 14px;font-size:16.5px}
.post-body .callout{background:#f0f6f3;border-left:4px solid var(--teal,#1E6E63);border-radius:10px;padding:16px 20px;margin:22px 0;color:var(--navy);font-size:15.5px;line-height:1.6}
.post-body .btn{margin:8px 8px 8px 0}
.post-body .disclaimer{font-size:13px;color:#8895ad;margin-top:34px;border-top:1px solid var(--line);padding-top:18px}
.related-posts{background:var(--bg);padding:48px 0 8px}
.ins-featured{display:block;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-900) 100%);color:#fff;border-radius:20px;padding:34px 34px 30px;text-decoration:none;margin-bottom:8px;transition:transform .15s}
.ins-featured:hover{transform:translateY(-2px)}
.ins-featured-tag{color:var(--gold);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
.ins-featured h2{font-family:Fraunces,serif;font-size:clamp(22px,3vw,30px);line-height:1.2;margin:0 0 10px;color:#fff}
.ins-featured p{color:#c7d2ee;font-size:16px;line-height:1.6;margin:0 0 14px;max-width:640px}
.ins-featured .read{color:var(--gold);font-weight:700;font-size:15px}

/* ============================================================
   MOBILE APP-LIKE LAYOUT — only applies at <=760px.
   Desktop (>760px) is completely unaffected by this block.
   ============================================================ */
@media(max-width:760px){

  /* --- remove the crowded bottom action bar; keep only floating WhatsApp --- */
  .mob-bar{display:none!important}
  .wa-float{width:52px;height:52px;bottom:16px;right:16px;z-index:80}

  /* --- tighter global rhythm (app feel) --- */
  .wrap{padding-left:18px;padding-right:18px}
  section{padding-top:30px;padding-bottom:30px}
  .band{padding:34px 0}
  h1{font-size:30px!important;line-height:1.12}
  h2{font-size:22px!important}
  .kick{font-size:11px;letter-spacing:.1em}

  /* --- hero: readable, compact, text sits on a solid panel not on a face --- */
  .hero,.phero{min-height:auto}
  .hero .wrap,.phero .wrap{padding-top:26px;padding-bottom:26px}
  .hero h1,.phero h1{font-size:30px!important}
  .hero .sub,.phero .lead,.phero .sub{font-size:15px;line-height:1.5}
  /* darken hero image so white text is always legible on mobile */
  .hero::after,.phero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,27,62,.45),rgba(13,27,62,.78));z-index:0}
  .hero .wrap,.phero .wrap{position:relative;z-index:1}

  /* --- hero mode chips: even, tappable, tidy --- */
  .hero-cta{gap:8px}
  .chip{padding:9px 14px;font-size:13px;border-radius:22px}
  .hero-cta .btn{width:100%;justify-content:center;margin-top:4px}

  /* --- product & feature cards: shorter images, less scrolling --- */
  .grid3,.grid4{gap:12px}
  .pcard{padding:16px}
  .pcard .ic{width:40px;height:40px;font-size:20px}
  .pcard b{font-size:15px}
  .pcard span{font-size:13.5px}
  /* feature "stage" cards (Beyond SOCSO / Your team / income): cap image height */
  .stage img,.stage .img-fb{height:150px!important;object-fit:cover}
  .stage .in{padding:14px 16px 16px}
  .stage .in b{font-size:16px}
  .stage .in span{font-size:13.5px;line-height:1.45}

  /* --- the 6-stat strip: 2 columns instead of a cramped row --- */
  .factrow,.stats,.statbar{grid-template-columns:1fr 1fr!important;gap:14px 10px}

  /* --- quote wizard: full width, comfortable tap targets --- */
  .wiz{padding:22px 16px}
  .wiz input,.wiz .opt{font-size:16px}  /* 16px stops iOS zoom-on-focus */
  .wbtn{width:100%}

  /* --- mode toggle in the menu: full-width pills --- */
  .mode-toggle{width:100%;justify-content:stretch;margin-top:6px}
  .mode-toggle .mt-btn{flex:1;text-align:center}

  /* --- PA Flex plan cards: swipe row already; make cards a touch smaller --- */
  .plans-row>.plan{min-width:240px;max-width:240px}

  /* --- article pages: comfortable reading --- */
  .post-hero{padding:40px 0 26px}
  .post-body{padding:26px 18px 10px}
  .post-body .lede{font-size:17px}
  .post-body h2{font-size:21px}

  /* --- footer: stack cleanly --- */
  .fgrid,.fcols{grid-template-columns:1fr 1fr;gap:22px 18px}
}

/* very small phones */
@media(max-width:380px){
  .factrow,.stats,.statbar{grid-template-columns:1fr!important}
  h1,.hero h1,.phero h1{font-size:26px!important}
}

/* ===== Business/Personal/Legacy product pages: consistent list styling ===== */
/* Both "covers" and "not covered" use the SAME left-aligned, plain layout so
   their bullets line up perfectly. The "not covered" gets a subtle heading and
   a soft tinted background band (not an indented card) for gentle distinction. */
.cols2{display:block}
.cols2 ul.cov, .cols2 ul.exc{margin:0 0 8px;padding-left:22px;list-style:disc}
.cols2 ul.cov li, .cols2 ul.exc li{margin:0 0 10px;line-height:1.6;color:var(--slate);padding-left:4px}
.cols2 h2{margin:0 0 14px}
/* "Typically not covered" — plain block, NOT an indented card. Bullets align
   with the covers list above. A left accent rule marks it as exclusions. */
.cols2 aside.card{background:transparent;border:0;border-radius:0;padding:0;margin:26px 0 0}
.cols2 aside.card>b{display:block;margin-bottom:12px;color:var(--navy);font-size:15px}
.cols2 aside.card ul.exc{margin:0;padding-left:22px}
/* the note line under the lists */
.cols2 .note,.cols2>p{margin-top:20px;color:var(--slate);line-height:1.6}

/* Industry chips (Retail / F&B / Offices ...) — pills with spacing */
.inds{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 6px}
.chip-s{display:inline-block;background:#eef2f9;color:var(--navy);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;line-height:1.2}

/* Pre-paint mode: <html data-boot-mode="..."> is set by an inline head script
   before the body renders, so navigating Home from Personal/Legacy shows the
   right sections immediately with no Business flash. Mirrors the body.m-* rules. */
html[data-boot-mode="personal"] .b-only{display:none!important}
html[data-boot-mode="personal"] .p-only{display:block!important}
html[data-boot-mode="personal"] .l-only{display:none!important}
html[data-boot-mode="legacy"] .b-only{display:none!important}
html[data-boot-mode="legacy"] .p-only{display:none!important}
html[data-boot-mode="legacy"] .l-only{display:block!important}
html[data-boot-mode="business"] .p-only{display:none!important}
html[data-boot-mode="business"] .l-only{display:none!important}
html[data-boot-mode="business"] .b-only{display:block!important}


/* ============================================================
   INSURANCE PAGE HERO, photograph on the right dissolving into
   the navy. Applies ONLY to /insurance/ (its Business, Personal
   and Future & Legacy views). Product pages are untouched.
   ============================================================ */
.ins-hero{position:relative;overflow:hidden}

/* Fallback for browsers without mask support: gentle full-bleed wash. */
.ins-hero .ins-hero-img{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;object-position:center 38%;
  opacity:.26;z-index:0;
}

/* Modern browsers: a true fade. Masking the image makes its own pixels
   dissolve into the navy, which reads far cleaner than laying a grey
   gradient on top of it. */
@supports ((-webkit-mask-image:linear-gradient(#000,#000)) or (mask-image:linear-gradient(#000,#000))){
  .ins-hero .ins-hero-img{
    inset:auto;top:0;right:0;left:auto;bottom:auto;
    width:64%;height:100%;opacity:1;
    -webkit-mask-image:linear-gradient(to right,
      rgba(0,0,0,0) 0%, rgba(0,0,0,.05) 10%, rgba(0,0,0,.18) 24%,
      rgba(0,0,0,.42) 38%, rgba(0,0,0,.70) 54%, rgba(0,0,0,.90) 70%, rgba(0,0,0,1) 86%);
    mask-image:linear-gradient(to right,
      rgba(0,0,0,0) 0%, rgba(0,0,0,.05) 10%, rgba(0,0,0,.18) 24%,
      rgba(0,0,0,.42) 38%, rgba(0,0,0,.70) 54%, rgba(0,0,0,.90) 70%, rgba(0,0,0,1) 86%);
  }
}
.ins-hero .wrap{position:relative;z-index:2}
/* keep the heading and intro clear of the photograph on wide screens */
@media(min-width:761px){
  .ins-hero .crumb,.ins-hero h1,.ins-hero .lead{max-width:620px}
}
/* mobile: a side image is too narrow, so revert to a soft full-bleed */
@media(max-width:760px){
  .ins-hero .ins-hero-img{
    inset:0;left:0;right:auto;width:100%;opacity:.30;
    -webkit-mask-image:none;mask-image:none;
  }
  .ins-hero .crumb,.ins-hero h1,.ins-hero .lead{max-width:100%}
}

/* Team photographs (About page) — real portraits in the circular frames */
.tm .av{width:92px;height:92px}
.tm .av img{width:100%;height:100%;object-fit:cover;object-position:center 22%;display:block;border-radius:50%}

/* Footer wordmark — plain white AMANA text, no box */
.footer-logo{
  display:inline-block;
  font-family:'Plus Jakarta Sans',system-ui,sans-serif;
  font-weight:800;font-size:30px;letter-spacing:.02em;
  color:#fff;line-height:1;
}
@media(max-width:760px){ .footer-logo{font-size:26px} }

/* Data tables inside articles (e.g. road tax price lists) */
.post-body .tablewrap{overflow-x:auto;margin:0 0 22px;border:1px solid var(--line);border-radius:12px}
.post-body table.rt{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
.post-body table.rt th{background:var(--navy);color:#fff;text-align:left;padding:11px 14px;font-weight:700;font-size:13.5px;white-space:nowrap}
.post-body table.rt td{padding:10px 14px;border-top:1px solid var(--line);color:var(--slate)}
.post-body table.rt tr:nth-child(even) td{background:#fafbfd}
.post-body h2[id]{scroll-margin-top:90px}

/* Footer address with pin, and social links */
footer .faddr{display:flex;gap:8px;align-items:flex-start;color:inherit;text-decoration:none;line-height:1.7}
footer .faddr .pin{flex:0 0 auto;line-height:1.5;font-size:14px;opacity:.9}
footer .faddr:hover span:last-child{text-decoration:underline}
.fsocial{display:flex;gap:14px;margin-top:14px}
.fsocial a{color:#c7d2ee;font-size:13.5px;text-decoration:none;border-bottom:1px solid rgba(199,210,238,.35);padding-bottom:1px}
.fsocial a:hover{color:#fff;border-color:#fff}

/* Article hero image */
.post-figure{margin:0 0 26px;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.post-figure img{width:100%;height:auto;display:block}