/* ============================================================
   Matthew Sohn — Health Insurance Advisor
   Warm editorial homepage. Mobile-first.
   ============================================================ */

:root{
  --ink:        #13302D;
  --teal-900:   #0A3F3B;
  --teal-700:   #0F5A54;
  --teal-500:   #1C7E76;
  --teal-100:   #E4F0EE;
  --gold-500:   #E0A52E;
  --gold-600:   #C5871A;
  --cream:      #FBF7F1;
  --surface:    #FFFFFF;
  --muted:      #5B6E6B;
  --line:       #E6DECF;

  --radius: 14px;
  --radius-lg: 22px;
  --maxw: 1160px;

  --shadow-sm: 0 1px 2px rgba(19,48,45,.05), 0 4px 12px rgba(19,48,45,.04);
  --shadow-md: 0 6px 20px rgba(19,48,45,.08), 0 2px 6px rgba(19,48,45,.05);
  --shadow-lg: 0 24px 60px rgba(10,63,59,.16), 0 6px 18px rgba(10,63,59,.08);

  --ff-display: "Fraunces", Georgia, "Times New Roman", serif;
  --ff-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

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

html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){ html{ scroll-behavior:auto; } }

body{
  margin:0;
  font-family:var(--ff-body);
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  font-size:clamp(1rem, .96rem + .2vw, 1.075rem);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

img,svg{ display:block; max-width:100%; }
a{ color:var(--teal-500); text-decoration:none; }
a:hover{ color:var(--teal-700); }
em{ font-style:italic; }

.wrap{ width:100%; max-width:var(--maxw); margin-inline:auto; padding-inline:clamp(1.15rem, 4vw, 2.5rem); }

/* ---------- Type ---------- */
h1,h2,h3{ font-family:var(--ff-display); font-weight:600; color:var(--ink); line-height:1.08; margin:0; letter-spacing:-.01em; }
h1{ font-size:clamp(2.3rem, 1.5rem + 3.6vw, 3.85rem); font-weight:600; line-height:1.04; }
h2{ font-size:clamp(1.85rem, 1.3rem + 2.2vw, 2.85rem); }
h3{ font-size:clamp(1.18rem, 1.05rem + .55vw, 1.45rem); }
p{ margin:0; }

.eyebrow{
  font-family:var(--ff-body);
  font-size:.785rem; font-weight:600;
  letter-spacing:.13em; text-transform:uppercase;
  color:var(--gold-600);
  display:inline-flex; align-items:center; gap:.6rem;
  margin:0 0 1.1rem;
}
.eyebrow::before{
  content:""; width:1.6rem; height:2px; background:var(--gold-500); border-radius:2px; display:inline-block;
}

.section-head{ max-width:42rem; margin-bottom:clamp(2.2rem,4vw,3.2rem); }
.section-head .eyebrow{ margin-bottom:.8rem; }
.section-lede{ color:var(--muted); font-size:1.075rem; margin-top:1rem; text-wrap:pretty; }

.ic{ width:1.25em; height:1.25em; fill:none; stroke:currentColor; stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }

/* ---------- Buttons ---------- */
.btn{
  --b: var(--teal-700);
  display:inline-flex; align-items:center; justify-content:center; gap:.55rem;
  font-family:var(--ff-body); font-weight:600; font-size:.98rem;
  padding:.85rem 1.45rem; border-radius:999px;
  border:1.5px solid transparent; cursor:pointer;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  white-space:nowrap; line-height:1.1;
}
.btn .ic{ stroke-width:1.9; width:1.1em; height:1.1em; }
.btn-primary{ background:var(--teal-700); color:#fff; box-shadow:var(--shadow-sm); }
.btn-primary:hover{ background:var(--teal-900); color:#fff; transform:translateY(-2px); box-shadow:var(--shadow-md); }
.btn-gold{ background:var(--gold-500); color:var(--ink); box-shadow:var(--shadow-sm); }
.btn-gold:hover{ background:var(--gold-600); color:var(--ink); transform:translateY(-2px); box-shadow:var(--shadow-md); }
.btn-ghost{ background:transparent; color:var(--teal-700); border-color:var(--line); }
.btn-ghost:hover{ background:var(--surface); color:var(--teal-900); border-color:var(--teal-500); transform:translateY(-2px); }
.btn-block{ width:100%; }
@media (prefers-reduced-motion: reduce){ .btn:hover{ transform:none; } }

/* ---------- Accessibility ---------- */
.skip-link{
  position:absolute; left:1rem; top:-3rem; z-index:200;
  background:var(--teal-700); color:#fff; padding:.7rem 1.1rem; border-radius:0 0 10px 10px;
  transition:top .2s ease;
}
.skip-link:focus{ top:0; color:#fff; }
:focus-visible{ outline:3px solid var(--gold-500); outline-offset:2px; border-radius:4px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(251,247,241,.88);
  backdrop-filter:saturate(150%) blur(10px);
  border-bottom:1px solid transparent;
  transition:box-shadow .25s ease, border-color .25s ease, background .25s ease;
}
.site-header.scrolled{ box-shadow:0 1px 0 var(--line), 0 8px 24px rgba(19,48,45,.06); border-bottom-color:var(--line); }
.header-inner{ display:flex; align-items:center; justify-content:space-between; gap:1rem; min-height:74px; }

.brand{ display:inline-flex; align-items:center; gap:.7rem; color:var(--ink); }
.brand:hover{ color:var(--ink); }
.monogram{
  position:relative; flex:none;
  width:42px; height:42px; border-radius:12px;
  background:var(--teal-700); color:var(--cream);
  display:grid; place-items:center;
}
.monogram-letters{ font-family:var(--ff-display); font-weight:700; font-size:1.05rem; letter-spacing:.01em; }
.monogram-dot{ position:absolute; top:6px; right:6px; width:8px; height:8px; border-radius:50%; background:var(--gold-500); }
.brand-text{ display:flex; flex-direction:column; line-height:1.1; }
.brand-name{ font-family:var(--ff-display); font-weight:600; font-size:1.18rem; }
.brand-sub{ font-size:.7rem; font-weight:600; letter-spacing:.09em; text-transform:uppercase; color:var(--muted); }

.primary-nav{ display:flex; align-items:center; gap:clamp(1rem,2.5vw,2.2rem); }
.nav-list{ display:flex; align-items:center; gap:clamp(1rem,2vw,1.8rem); list-style:none; margin:0; padding:0; }
.nav-list a{ color:var(--ink); font-weight:500; font-size:.97rem; padding:.4rem 0; position:relative; }
.nav-list a::after{ content:""; position:absolute; left:0; right:100%; bottom:-2px; height:2px; background:var(--gold-500); transition:right .22s ease; }
.nav-list a:hover{ color:var(--teal-700); }
.nav-list a:hover::after{ right:0; }
.nav-actions{ display:flex; align-items:center; gap:1.1rem; }
.nav-phone{ display:inline-flex; align-items:center; gap:.45rem; font-weight:600; color:var(--ink); font-size:.95rem; }
.nav-phone:hover{ color:var(--teal-700); }

.nav-toggle{
  display:none; flex-direction:column; justify-content:center; gap:5px;
  width:46px; height:46px; padding:0 11px; border:1px solid var(--line); border-radius:12px;
  background:var(--surface); cursor:pointer;
}
.nav-toggle-bar{ height:2px; width:100%; background:var(--ink); border-radius:2px; transition:transform .25s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2){ opacity:0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

@media (max-width: 900px){
  .nav-toggle{ display:flex; }
  .primary-nav{
    position:fixed; inset:74px 0 auto 0;
    flex-direction:column; align-items:stretch; gap:0;
    background:var(--cream); border-bottom:1px solid var(--line);
    padding:1rem clamp(1.15rem,4vw,2.5rem) 1.6rem;
    box-shadow:var(--shadow-lg);
    transform:translateY(-12px); opacity:0; visibility:hidden; pointer-events:none;
    transition:transform .25s ease, opacity .25s ease, visibility .25s;
    max-height:calc(100dvh - 74px); overflow:auto;
  }
  .primary-nav.open{ transform:translateY(0); opacity:1; visibility:visible; pointer-events:auto; }
  .nav-list{ flex-direction:column; align-items:stretch; gap:0; }
  .nav-list li{ border-bottom:1px solid var(--line); }
  .nav-list a{ display:block; padding:1rem .2rem; font-size:1.1rem; font-family:var(--ff-display); }
  .nav-list a::after{ display:none; }
  .nav-actions{ flex-direction:column; align-items:stretch; gap:1rem; margin-top:1.4rem; }
  .nav-phone{ justify-content:center; font-size:1.05rem; }
  .nav-cta{ width:100%; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero{ position:relative; overflow:hidden; padding:clamp(2.6rem,6vw,5rem) 0 clamp(2.6rem,5vw,4.5rem); }
.hero::before{
  content:""; position:absolute; right:-12%; top:-18%; width:46rem; height:46rem; border-radius:50%;
  background:radial-gradient(circle at center, rgba(228,240,238,.9), rgba(228,240,238,0) 68%);
  z-index:0; pointer-events:none;
}
.hero-grid{ position:relative; z-index:1; display:grid; gap:clamp(2rem,5vw,4rem); align-items:center; grid-template-columns:1fr; }
@media (min-width: 920px){ .hero-grid{ grid-template-columns:1.15fr .85fr; } }

.h1-accent{ color:var(--teal-700); }
.h1-accent{ background-image:linear-gradient(transparent 64%, rgba(224,165,46,.32) 0); }
.hero-copy .lede{ margin-top:1.5rem; font-size:clamp(1.08rem,1rem + .4vw,1.28rem); color:var(--muted); max-width:36rem; text-wrap:pretty; }
.hero-actions{ display:flex; flex-wrap:wrap; gap:.9rem; margin-top:2rem; }

.trust-badges{ list-style:none; margin:2.4rem 0 0; padding:0; display:flex; flex-wrap:wrap; gap:.7rem 1.6rem; }
.trust-badges li{ display:inline-flex; align-items:center; gap:.55rem; font-size:.92rem; color:var(--muted); }
.trust-badges .ic{ color:var(--teal-700); flex:none; }
.trust-badges strong{ color:var(--ink); font-weight:600; }

/* Portrait placeholder */
.hero-portrait{ position:relative; }
.portrait-frame{
  margin:0; position:relative; border-radius:var(--radius-lg);
  background:var(--surface); border:1px solid var(--line); padding:14px;
  box-shadow:var(--shadow-lg);
}
.portrait-fill{
  aspect-ratio:4/5; border-radius:calc(var(--radius-lg) - 8px);
  background:
    radial-gradient(120% 80% at 50% 0%, var(--teal-100), transparent 60%),
    linear-gradient(160deg, #EAF2F0, #F4EEE2);
  display:grid; place-items:center; overflow:hidden;
}
.portrait-glyph{ width:48%; color:var(--teal-500); opacity:.5; fill:none; stroke:currentColor; stroke-width:3.4; stroke-linecap:round; }
.portrait-flag{
  position:absolute; left:50%; bottom:24px; transform:translateX(-50%);
  background:rgba(19,48,45,.82); color:var(--cream);
  font-size:.72rem; font-weight:600; letter-spacing:.04em; text-transform:uppercase;
  padding:.4rem .8rem; border-radius:999px; white-space:nowrap; backdrop-filter:blur(2px);
}
.portrait-card{
  position:absolute; left:-14px; bottom:34px;
  display:flex; align-items:center; gap:.7rem;
  background:var(--surface); border:1px solid var(--line); border-radius:14px;
  padding:.7rem .95rem; box-shadow:var(--shadow-md);
}
.portrait-card .ic{ color:var(--teal-700); width:1.5rem; height:1.5rem; flex:none; }
.portrait-card-k{ display:block; font-size:.72rem; text-transform:uppercase; letter-spacing:.07em; color:var(--muted); font-weight:600; }
.portrait-card-v{ display:block; font-weight:600; font-size:.92rem; }
@media (max-width:920px){ .portrait-card{ left:auto; right:14px; } }

/* ============================================================
   STATS BAND
   ============================================================ */
.stats{ background:var(--teal-700); color:var(--cream); }
.stats-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:0; padding:clamp(2rem,4vw,3rem) clamp(1.15rem,4vw,2.5rem); }
@media (min-width:760px){ .stats-grid{ grid-template-columns:repeat(4,1fr); } }
.stat{ padding:1rem clamp(.8rem,2vw,1.6rem); position:relative; }
.stat + .stat::before{ content:""; position:absolute; left:0; top:18%; bottom:18%; width:1px; background:rgba(251,247,241,.18); }
@media (max-width:759px){
  .stat:nth-child(odd)::before{ display:none; }
  .stat:nth-child(3)::before, .stat:nth-child(4)::before{ content:""; position:absolute; left:6%; right:6%; top:0; height:1px; background:rgba(251,247,241,.18); width:auto; }
}
.stat-n{ display:block; font-family:var(--ff-display); font-weight:600; font-size:clamp(2rem,1.4rem + 2.4vw,3rem); line-height:1; color:#fff; }
.stat-unit{ font-size:.5em; color:var(--gold-500); font-weight:600; }
.stat-l{ display:block; margin-top:.55rem; font-size:.9rem; color:rgba(251,247,241,.82); max-width:14rem; }
.verify{ color:var(--gold-500); font-size:.82em; }

/* ============================================================
   PROBLEM
   ============================================================ */
.problem{ padding:clamp(3.5rem,7vw,6rem) 0; }
.problem-list{ list-style:none; margin:0; padding:0; display:grid; gap:clamp(1.4rem,3vw,2.4rem) clamp(2rem,5vw,4rem); grid-template-columns:1fr; }
@media (min-width:680px){ .problem-list{ grid-template-columns:1fr 1fr; } }
.problem-item{ padding-top:1.6rem; border-top:2px solid var(--line); position:relative; }
.problem-item .ic{ color:var(--teal-700); width:1.7rem; height:1.7rem; margin-bottom:.9rem; }
.problem-item h3{ margin-bottom:.5rem; }
.problem-item p{ color:var(--muted); text-wrap:pretty; }
.problem-item::before{ content:""; position:absolute; top:-2px; left:0; width:3.2rem; height:2px; background:var(--gold-500); }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how{ background:var(--teal-100); padding:clamp(3.5rem,7vw,6rem) 0; }
.steps{ list-style:none; margin:0; padding:0; display:grid; gap:clamp(1.4rem,3vw,2rem); grid-template-columns:1fr; counter-reset:none; }
@media (min-width:760px){ .steps{ grid-template-columns:repeat(3,1fr); } }
.step{
  background:var(--surface); border:1px solid rgba(15,90,84,.12); border-radius:var(--radius-lg);
  padding:clamp(1.6rem,2.5vw,2.1rem); position:relative; box-shadow:var(--shadow-sm);
}
.step-n{
  display:grid; place-items:center; width:3rem; height:3rem; border-radius:50%;
  background:var(--teal-700); color:#fff; font-family:var(--ff-display); font-weight:600; font-size:1.45rem;
  margin-bottom:1.1rem;
}
.step h3{ margin-bottom:.55rem; }
.step p{ color:var(--muted); text-wrap:pretty; }
@media (min-width:760px){
  .step:not(:last-child)::after{
    content:""; position:absolute; top:2.5rem; right:-1.1rem; width:1rem; height:2px;
    background:var(--teal-500); opacity:.5;
  }
}

/* ============================================================
   SERVICES
   ============================================================ */
.services{ padding:clamp(3.5rem,7vw,6rem) 0; }
.service-grid{ display:grid; gap:clamp(1rem,2.2vw,1.6rem); grid-template-columns:1fr; }
@media (min-width:620px){ .service-grid{ grid-template-columns:1fr 1fr; } }
@media (min-width:980px){ .service-grid{ grid-template-columns:repeat(3,1fr); } }
.service-card{
  position:relative; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg);
  padding:clamp(1.6rem,2.4vw,2.1rem); display:flex; flex-direction:column;
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
  overflow:hidden;
}
.service-card:hover{ transform:translateY(-4px); box-shadow:var(--shadow-md); border-color:rgba(15,90,84,.28); }
@media (prefers-reduced-motion: reduce){ .service-card:hover{ transform:none; } }
.service-n{
  position:absolute; top:1.1rem; right:1.4rem;
  font-family:var(--ff-display); font-weight:600; font-size:2.6rem; color:var(--teal-100); line-height:1;
}
.service-ic{ color:var(--teal-700); width:2rem; height:2rem; margin-bottom:1.1rem; }
.service-card h3{ margin-bottom:.6rem; max-width:14ch; }
.service-card p{ color:var(--muted); flex:1; text-wrap:pretty; }
.service-link{ margin-top:1.2rem; font-weight:600; color:var(--teal-700); display:inline-flex; align-items:center; gap:.4rem; }
.service-link span{ transition:transform .2s ease; }
.service-link:hover span{ transform:translateX(4px); }

.service-cta{ background:var(--teal-700); color:var(--cream); border-color:var(--teal-700); justify-content:center; }
.service-cta:hover{ border-color:var(--teal-900); }
.service-cta h3{ color:#fff; }
.service-cta p{ color:rgba(251,247,241,.85); margin-bottom:1.5rem; flex:0; }
.service-cta .btn{ align-self:flex-start; }

/* ============================================================
   BOOK
   ============================================================ */
.book{ padding:clamp(3.5rem,7vw,6rem) 0; }
.book-grid{ display:grid; gap:clamp(2rem,5vw,4rem); align-items:center; grid-template-columns:1fr; }
@media (min-width:880px){ .book-grid{ grid-template-columns:.85fr 1.15fr; } }

.book-visual{ display:flex; justify-content:center; }
.book-cover{
  position:relative; margin:0; width:min(320px,80%); aspect-ratio:5/7;
  border-radius:6px 12px 12px 6px;
  background:linear-gradient(155deg, var(--teal-700), var(--teal-900));
  box-shadow:var(--shadow-lg), inset 14px 0 22px -16px rgba(0,0,0,.55);
  color:var(--cream); padding:2rem 1.6rem;
  display:flex; transform:rotate(-2deg);
  transition:transform .3s ease;
}
.book-cover::before{ content:""; position:absolute; left:14px; top:0; bottom:0; width:2px; background:rgba(251,247,241,.18); }
.book-cover:hover{ transform:rotate(0deg) translateY(-4px); }
@media (prefers-reduced-motion: reduce){ .book-cover{ transform:none; } .book-cover:hover{ transform:none; } }
.cover-inner{ display:flex; flex-direction:column; height:100%; gap:.6rem; padding-left:.6rem; }
.cover-eyebrow{ font-size:.68rem; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-500); font-weight:600; }
.cover-route{ margin:.4rem 0 .2rem; }
.cover-route svg{ width:100%; height:auto; fill:none; stroke:var(--gold-500); stroke-width:2.4; stroke-linecap:round; opacity:.85; }
.cover-route svg circle{ fill:var(--gold-500); stroke:none; }
.cover-title{ font-family:var(--ff-display); font-weight:700; font-size:clamp(1.5rem,3.6vw,1.95rem); line-height:1.06; }
.cover-sub{ font-size:.82rem; color:rgba(251,247,241,.82); line-height:1.35; }
.cover-author{ margin-top:auto; font-family:var(--ff-display); font-size:1rem; letter-spacing:.02em; color:#fff; border-top:1px solid rgba(251,247,241,.2); padding-top:.7rem; }
.cover-flag{
  position:absolute; left:50%; bottom:-12px; transform:translateX(-50%);
  background:var(--gold-500); color:var(--ink);
  font-size:.66rem; font-weight:700; letter-spacing:.05em; text-transform:uppercase;
  padding:.35rem .75rem; border-radius:999px; white-space:nowrap; box-shadow:var(--shadow-sm);
}

.book-subtitle{ font-family:var(--ff-display); font-style:italic; font-size:1.15rem; color:var(--teal-700); margin-top:.4rem; }
.book-rating{ margin-top:1rem; display:flex; align-items:center; gap:.5rem; color:var(--muted); font-size:.95rem; }
.book-rating .stars{ color:var(--gold-500); letter-spacing:.05em; font-size:1.1rem; }
.book-rating strong{ color:var(--ink); }
.book-intro{ margin-top:1.3rem; color:var(--muted); }
.book-bullets{ list-style:none; margin:1.2rem 0 0; padding:0; display:grid; gap:.7rem; }
.book-bullets li{ position:relative; padding-left:1.9rem; text-wrap:pretty; }
.book-bullets li::before{
  content:""; position:absolute; left:0; top:.42em; width:1.05rem; height:1.05rem;
  background:
    linear-gradient(var(--gold-500),var(--gold-500)) center/.55rem 2px no-repeat,
    linear-gradient(var(--gold-500),var(--gold-500)) center/2px .55rem no-repeat;
  border:1.5px solid var(--gold-500); border-radius:50%;
}
.book-quote{ margin:1.7rem 0 0; padding:1.2rem 1.4rem; background:var(--teal-100); border-radius:var(--radius); border-left:3px solid var(--gold-500); }
.book-quote p{ font-family:var(--ff-display); font-style:italic; font-size:1.05rem; color:var(--ink); line-height:1.45; }
.book-quote cite{ display:block; margin-top:.7rem; font-style:normal; font-size:.88rem; font-weight:600; color:var(--muted); }
.book-actions{ display:flex; flex-wrap:wrap; gap:.8rem; margin-top:1.7rem; }

/* ============================================================
   ABOUT
   ============================================================ */
.about{ background:var(--teal-100); padding:clamp(3.5rem,7vw,6rem) 0; }
.about-grid{ display:grid; gap:clamp(2rem,5vw,4rem); align-items:center; grid-template-columns:1fr; }
@media (min-width:820px){ .about-grid{ grid-template-columns:.8fr 1.2fr; } }
.about-visual{ position:relative; max-width:340px; }
.about-portrait .portrait-fill{ aspect-ratio:1/1; }
.license-badge{
  display:inline-flex; align-items:center; gap:.5rem;
  margin-top:-1.2rem; margin-left:1rem; position:relative; z-index:2;
  background:var(--surface); border:1px solid var(--line); border-radius:999px;
  padding:.55rem 1rem; box-shadow:var(--shadow-md); font-weight:600; font-size:.9rem;
}
.license-badge .ic{ color:var(--teal-700); }
.about-story{ margin:0 0 1.4rem; padding:0; }
.about-story p{
  font-family:var(--ff-display); font-size:clamp(1.25rem,1.05rem + 1vw,1.6rem); line-height:1.4;
  color:var(--ink); position:relative; padding-left:1.4rem; border-left:3px solid var(--gold-500); text-wrap:pretty;
}
.about-follow{ color:var(--muted); max-width:42rem; text-wrap:pretty; }
.cred-chips{ list-style:none; margin:1.8rem 0 0; padding:0; display:flex; flex-wrap:wrap; gap:.6rem; }
.cred-chips li{
  background:var(--surface); border:1px solid var(--line); border-radius:999px;
  padding:.45rem 1rem; font-size:.86rem; font-weight:600; color:var(--ink);
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials{ padding:clamp(3.5rem,7vw,6rem) 0; }
.placeholder-note{ margin-top:.9rem; font-size:.85rem; color:var(--gold-600); font-style:italic; }
.testi-grid{ display:grid; gap:clamp(1.1rem,2.5vw,1.6rem); grid-template-columns:1fr; }
@media (min-width:760px){ .testi-grid{ grid-template-columns:repeat(3,1fr); } }
.testi-card{
  margin:0; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg);
  padding:clamp(1.6rem,2.4vw,2rem); position:relative; box-shadow:var(--shadow-sm);
  display:flex; flex-direction:column;
}
.quote-mark{ font-family:var(--ff-display); font-size:3.5rem; line-height:.7; color:var(--gold-500); height:1.6rem; }
.testi-card blockquote{ margin:0; flex:1; }
.testi-card blockquote p{ color:var(--ink); text-wrap:pretty; }
.testi-card figcaption{ margin-top:1.3rem; padding-top:1rem; border-top:1px solid var(--line); }
.testi-name{ display:block; font-family:var(--ff-display); font-weight:600; font-size:1.05rem; }
.testi-loc{ display:block; font-size:.85rem; color:var(--muted); margin-top:.1rem; }

/* ============================================================
   FAQ
   ============================================================ */
.faq{ background:var(--teal-100); padding:clamp(3.5rem,7vw,6rem) 0; }
.faq-grid{ display:grid; gap:clamp(1.8rem,4vw,3.5rem); grid-template-columns:1fr; align-items:start; }
@media (min-width:880px){ .faq-grid{ grid-template-columns:.85fr 1.15fr; } }
.faq-head{ margin-bottom:0; position:sticky; top:100px; }
@media (max-width:879px){ .faq-head{ position:static; } }
.faq-list{ display:flex; flex-direction:column; }
.faq-item{ background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); margin-bottom:.8rem; overflow:hidden; transition:box-shadow .2s ease, border-color .2s ease; }
.faq-item[open]{ box-shadow:var(--shadow-md); border-color:rgba(15,90,84,.22); }
.faq-item summary{
  list-style:none; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:1rem;
  padding:1.15rem 1.35rem; font-family:var(--ff-display); font-weight:600; font-size:1.1rem; color:var(--ink);
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary:hover{ color:var(--teal-700); }
.faq-mark{ position:relative; flex:none; width:1.3rem; height:1.3rem; }
.faq-mark::before,.faq-mark::after{ content:""; position:absolute; top:50%; left:50%; background:var(--teal-700); border-radius:2px; transition:transform .25s ease; }
.faq-mark::before{ width:1.1rem; height:2px; transform:translate(-50%,-50%); }
.faq-mark::after{ width:2px; height:1.1rem; transform:translate(-50%,-50%); }
.faq-item[open] .faq-mark::after{ transform:translate(-50%,-50%) scaleY(0); }
.faq-body{ padding:0 1.35rem 1.3rem; }
.faq-body p{ color:var(--muted); text-wrap:pretty; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact{ padding:clamp(3.5rem,7vw,6rem) 0; }
.contact-grid{ display:grid; gap:clamp(2rem,5vw,4rem); align-items:start; grid-template-columns:1fr; }
@media (min-width:880px){ .contact-grid{ grid-template-columns:1fr 1fr; } }
.contact-copy .lede{ margin-top:1.2rem; color:var(--muted); max-width:34rem; }
.contact-list{ list-style:none; margin:2rem 0 0; padding:0; display:grid; gap:1rem; }
.contact-list li{ display:flex; align-items:center; gap:.85rem; font-weight:500; }
.contact-list .ic{ color:var(--teal-700); flex:none; width:1.4rem; height:1.4rem; }
.contact-list a{ color:var(--ink); font-weight:600; }
.contact-list a:hover{ color:var(--teal-700); }

.form-panel{ background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:clamp(1.6rem,3vw,2.4rem); box-shadow:var(--shadow-md); position:relative; }
.form-flag{ font-size:.78rem; font-weight:600; color:var(--gold-600); background:rgba(224,165,46,.12); border:1px dashed var(--gold-500); border-radius:8px; padding:.5rem .75rem; margin-bottom:1.4rem; }
.consult-form{ display:grid; gap:1.1rem; }
.field{ display:grid; gap:.4rem; }
.field-row{ display:grid; gap:1.1rem; grid-template-columns:1fr; }
@media (min-width:520px){ .field-row{ grid-template-columns:1fr 1fr; } }
.field label{ font-size:.86rem; font-weight:600; color:var(--ink); }
.req{ color:var(--gold-600); }
.opt{ color:var(--muted); font-weight:400; }
.field input,.field select,.field textarea{
  font-family:var(--ff-body); font-size:1rem; color:var(--ink);
  padding:.75rem .9rem; border:1.5px solid var(--line); border-radius:10px; background:var(--cream);
  transition:border-color .2s ease, box-shadow .2s ease; width:100%;
}
.field textarea{ resize:vertical; min-height:84px; }
.field input:focus,.field select:focus,.field textarea:focus{ outline:none; border-color:var(--teal-500); box-shadow:0 0 0 3px rgba(28,126,118,.15); }
.field input[aria-invalid="true"],.field [aria-invalid="true"]{ border-color:#C0492E; box-shadow:0 0 0 3px rgba(192,73,46,.12); }
.field-error{ color:#C0492E; font-size:.8rem; font-weight:500; }
.form-fineprint{ font-size:.78rem; color:var(--muted); margin-top:.2rem; text-wrap:pretty; }

.form-success{ text-align:center; padding:2rem 1rem; }
.form-success .ic{ width:3.2rem; height:3.2rem; color:var(--teal-700); margin:0 auto 1rem; stroke-width:1.6; }
.form-success h3{ margin-bottom:.5rem; }
.form-success p{ color:var(--muted); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{ background:var(--teal-900); color:rgba(251,247,241,.78); }
.footer-grid{ display:grid; gap:2.4rem; grid-template-columns:1fr; padding:clamp(3rem,5vw,4.5rem) clamp(1.15rem,4vw,2.5rem) 2.5rem; }
@media (min-width:680px){ .footer-grid{ grid-template-columns:1.6fr 1fr 1fr; } }
@media (min-width:980px){ .footer-grid{ grid-template-columns:2fr 1fr 1fr 1.2fr; } }
.brand-light{ color:var(--cream); }
.brand-light:hover{ color:var(--cream); }
.brand-light .monogram{ background:var(--teal-700); }
.brand-light .brand-name{ color:#fff; }
.brand-light .brand-sub{ color:var(--gold-500); }
.footer-blurb{ margin-top:1.2rem; max-width:30rem; line-height:1.6; }
.footer-blurb em{ color:var(--cream); }
.footer-license{ margin-top:1rem; font-size:.85rem; color:rgba(251,247,241,.55); }
.footer-h{ font-family:var(--ff-body); font-size:.78rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; color:var(--gold-500); margin-bottom:1rem; }
.footer-col ul{ list-style:none; margin:0; padding:0; display:grid; gap:.7rem; }
.footer-col a{ color:rgba(251,247,241,.78); }
.footer-col a:hover{ color:#fff; }
.footer-cta{ margin-top:1.3rem; }

.footer-cross{ border-top:1px solid rgba(251,247,241,.12); }
.cross-inner{
  display:flex; flex-wrap:wrap; align-items:center; gap:.6rem 1.4rem;
  padding:1.6rem 0;
}
.cross-label{ font-size:.72rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; color:var(--gold-500); background:rgba(224,165,46,.12); padding:.35rem .8rem; border-radius:999px; }
.cross-text{ color:rgba(251,247,241,.85); }
.cross-text strong{ color:#fff; font-family:var(--ff-display); font-weight:600; font-size:1.05rem; }
.cross-link{ margin-left:auto; color:var(--gold-500); font-weight:600; display:inline-flex; align-items:center; gap:.4rem; }
.cross-link:hover{ color:#fff; }
@media (max-width:560px){ .cross-link{ margin-left:0; } }

.footer-bottom{ background:rgba(0,0,0,.18); }
.footer-bottom-inner{ display:flex; flex-wrap:wrap; justify-content:space-between; gap:.8rem 2rem; padding:1.4rem clamp(1.15rem,4vw,2.5rem); }
.footer-bottom-inner p{ font-size:.78rem; color:rgba(251,247,241,.55); margin:0; }
.footer-disclaimer{ max-width:46rem; }