/* =========================================================
   SpanishCarInsurance.com — by 247 Expat Insurance
   Design system / shared stylesheet
   Brand: navy #001f3f · teal #005e7c · light teal #9ad4d6
   Font: Inter
   ========================================================= */

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

:root {
  --navy:        #001f3f;
  --navy-deep:   #00152b;
  --navy-700:    #0a2c50;
  --teal:        #005e7c;
  --teal-mid:    #50858b;
  --teal-accent: #2f7888;
  --teal-light:  #9ad4d6;
  --teal-wash:   #eef7f8;
  --white:       #ffffff;
  --paper:       #f6f9fa;
  --line:        #e3e9ee;
  --line-soft:   #eef2f5;
  --ink:         #16242f;
  --ink-soft:    #4a5b69;
  --ink-faint:   #74848f;

  --maxw: 1180px;
  --radius: 14px;
  --radius-lg: 20px;
  --radius-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(0,31,63,.05), 0 1px 3px rgba(0,31,63,.06);
  --shadow:    0 4px 16px rgba(0,31,63,.07), 0 1px 4px rgba(0,31,63,.05);
  --shadow-lg: 0 18px 50px rgba(0,31,63,.13);
  --ease: cubic-bezier(.2,.7,.3,1);
  --ff: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--ff);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--teal); text-decoration: none; transition: color .18s var(--ease); }
a:hover { color: var(--navy); }

h1, h2, h3, h4 { font-weight: 600; line-height: 1.12; letter-spacing: -0.02em; color: var(--navy); margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); }
h3 { font-size: clamp(1.15rem, 1.7vw, 1.4rem); letter-spacing: -0.01em; }
p  { margin: 0 0 1.1em; color: var(--ink-soft); }
strong { font-weight: 600; color: var(--ink); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 84px 0; }
.section--tight { padding: 60px 0; }
.section--paper { background: var(--paper); }
.section--navy { background: var(--navy); color: #cfe0ea; }
.section--navy h2, .section--navy h3 { color: #fff; }

.eyebrow {
  display: inline-block;
  font-size: .8rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--teal-accent); margin-bottom: 14px;
}
.section--navy .eyebrow { color: var(--teal-light); }
.lead { font-size: 1.2rem; color: var(--ink-soft); line-height: 1.6; }
.section--navy .lead { color: #b8cdda; }
.center { text-align: center; }
.measure { max-width: 720px; }
.center.measure { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--ff); font-size: 1rem; font-weight: 600; letter-spacing: -0.01em;
  padding: 14px 26px; border-radius: var(--radius-pill); border: 1.5px solid transparent;
  cursor: pointer; transition: all .2s var(--ease); white-space: nowrap; line-height: 1;
}
.btn svg { width: 18px; height: 18px; }
.btn--primary { background: var(--teal); color: #fff; box-shadow: 0 6px 18px rgba(0,94,124,.28); }
.btn--primary:hover { background: #00708f; color:#fff; transform: translateY(-2px); box-shadow: 0 10px 26px rgba(0,94,124,.34); }
.btn--accent { background: var(--teal-light); color: var(--navy); }
.btn--accent:hover { background: #b4e0e2; color: var(--navy); transform: translateY(-2px); }
.btn--ghost { background: transparent; color: var(--navy); border-color: rgba(0,31,63,.18); }
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); transform: translateY(-2px); }
.btn--ghost-light { background: rgba(255,255,255,.06); color:#fff; border-color: rgba(255,255,255,.28); }
.btn--ghost-light:hover { background: rgba(255,255,255,.14); color:#fff; }
.btn--wa { background: #25D366; color:#0a3a1c; }
.btn--wa:hover { background:#22c35e; color:#0a3a1c; transform: translateY(-2px); }
.btn--lg { padding: 17px 34px; font-size: 1.06rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

/* ---------- Utility bar ---------- */
.utility {
  background: var(--navy-deep); color: #aebfcc; font-size: .82rem; letter-spacing: .01em;
}
.utility .container { display: flex; align-items: center; justify-content: space-between; min-height: 40px; gap: 16px; }
.utility__left { display: flex; align-items: center; gap: 8px; font-weight: 500; color: var(--teal-light); }
.utility__left svg { width: 15px; height: 15px; }
.utility__right { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.utility__right a { color: #c3d3df; display: inline-flex; align-items: center; gap: 6px; font-weight: 500; }
.utility__right a:hover { color: #fff; }
.utility__right svg { width: 14px; height: 14px; opacity: .8; }
.utility__sep { opacity: .25; }

/* ---------- Header ---------- */
.header { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.header .container { display: flex; align-items: center; justify-content: space-between; min-height: 100px; gap: 24px; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { width: 195px; height: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { color: var(--navy); font-weight: 500; font-size: .96rem; padding: 9px 13px; border-radius: 9px; transition: background .18s var(--ease), color .18s var(--ease); }
.nav a:hover { background: var(--teal-wash); color: var(--teal); }
.header__cta { display: flex; align-items: center; gap: 10px; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }
.nav-toggle svg { width: 28px; height: 28px; }

/* ---------- Floating quote button (desktop, always visible) ---------- */
.floatcta { position: fixed; right: 22px; bottom: 24px; z-index: 65; display: inline-flex; align-items: center; gap: 9px;
  background: var(--teal); color: #fff; font-weight: 600; font-size: 1.02rem; padding: 15px 24px; border-radius: var(--radius-pill);
  box-shadow: 0 10px 30px rgba(0,94,124,.4); transition: all .2s var(--ease); }
.floatcta:hover { background: #00708f; color: #fff; transform: translateY(-3px); box-shadow: 0 14px 36px rgba(0,94,124,.48); }
.floatcta svg { width: 20px; height: 20px; }

/* ---------- CTA strip (recurring, high-visibility) ---------- */
.ctastrip { background: var(--teal-wash); border: 1px solid #d9ecee; border-radius: var(--radius-lg); padding: 40px 44px; text-align: center; }
.ctastrip h3 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); margin-bottom: 8px; }
.ctastrip p { font-size: 1.05rem; margin: 0 auto 22px; max-width: 52ch; }
.ctastrip .btn-row { justify-content: center; }
.section--cta { padding: 40px 0; }

/* ---------- Hero ---------- */
.hero { position: relative; background: linear-gradient(160deg, #f4f8fa 0%, #eaf2f5 60%, #e2eef1 100%); overflow: hidden; }
.hero .container { position: relative; z-index: 2; display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; padding-top: 70px; padding-bottom: 78px; }
.hero h1 { color: var(--navy); margin-bottom: 22px; }
.hero h1 .hl { color: var(--teal); }
.hero p.lead { margin-bottom: 28px; max-width: 33ch; }
.hero__chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.chip { display: inline-flex; align-items: center; gap: 7px; background: #fff; border: 1px solid var(--line); color: var(--navy); font-size: .85rem; font-weight: 500; padding: 8px 14px; border-radius: var(--radius-pill); box-shadow: var(--shadow-sm); }
.chip svg { width: 15px; height: 15px; color: var(--teal); }
.hero__art { position: relative; }
.hero__art svg { width: 100%; height: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.hero__compliance { font-size: .85rem; color: var(--ink-faint); margin-top: 20px; display: flex; align-items: center; gap: 8px; }
.hero__compliance svg { width: 16px; height: 16px; color: var(--teal-accent); flex-shrink: 0; }

/* ---------- Stat band ---------- */
.statband { background: var(--navy); }
.statband .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; padding: 34px 24px; }
.stat { text-align: center; padding: 6px 12px; position: relative; }
.stat + .stat::before { content: ''; position: absolute; left: 0; top: 14%; height: 72%; width: 1px; background: rgba(255,255,255,.12); }
.stat__num { font-size: 2rem; font-weight: 600; color: #fff; letter-spacing: -0.02em; line-height: 1.1; }
.stat__num .u { color: var(--teal-light); }
.stat__label { font-size: .85rem; color: #9fb4c2; margin-top: 4px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; position: relative; transition: transform .2s var(--ease), box-shadow .2s var(--ease); }
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step__n { font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--teal-accent); }
.step__icon { width: 48px; height: 48px; border-radius: 12px; background: var(--teal-wash); display: flex; align-items: center; justify-content: center; margin: 14px 0 16px; color: var(--teal); }
.step__icon svg { width: 24px; height: 24px; }
.step h3 { margin-bottom: 8px; }
.step p { margin: 0; font-size: .96rem; }

/* ---------- Cover ladder (4 tiers) ---------- */
.tiers { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; align-items: stretch; }
.tier { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s var(--ease); }
.tier:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--teal-light); }
.tier__tag { font-size: .72rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--teal-accent); }
.tier h3 { font-size: 1.18rem; margin: 8px 0 4px; }
.tier__sub { font-size: .9rem; color: var(--ink-faint); margin-bottom: 16px; min-height: 38px; }
.tier__list { list-style: none; margin: 0 0 22px; padding: 0; flex-grow: 1; }
.tier__list li { display: flex; align-items: flex-start; gap: 9px; font-size: .92rem; color: var(--ink-soft); padding: 6px 0; border-top: 1px solid var(--line-soft); }
.tier__list li:first-child { border-top: 0; }
.tier__list svg { width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; }
.tier__list .yes { color: var(--teal); }
.tier__list .no  { color: #c4ced5; }
.tier__list .muted { color: var(--ink-faint); }
.tier .btn { width: 100%; justify-content: center; }
.tier__photo { width: calc(100% + 44px); margin: -26px -22px 20px; height: 150px; object-fit: cover; border-radius: var(--radius) var(--radius) 0 0; display: block; }
/* Photos hide gracefully until the image file is added (no broken-image icon) */
.photo--missing { display: none !important; }

/* ---------- Comparison table ---------- */
.compare-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
table.compare { width: 100%; border-collapse: collapse; min-width: 640px; background: #fff; }
table.compare th, table.compare td { padding: 15px 16px; text-align: center; border-bottom: 1px solid var(--line-soft); }
table.compare thead th { background: var(--navy); color: #fff; font-weight: 600; font-size: .95rem; letter-spacing: -0.01em; }
table.compare thead th:first-child { text-align: left; background: var(--navy-deep); }
table.compare tbody th { text-align: left; font-weight: 500; color: var(--ink); background: var(--paper); font-size: .94rem; }
table.compare tbody tr:last-child td, table.compare tbody tr:last-child th { border-bottom: 0; }
table.compare .yes { color: var(--teal); }
table.compare .no  { color: #cdd6dc; }
table.compare .opt { color: var(--teal-accent); font-size: .8rem; font-weight: 600; }
table.compare svg { width: 19px; height: 19px; }
.compare-note { font-size: .85rem; color: var(--ink-faint); margin-top: 12px; }

/* ---------- Feature grid ---------- */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
/* Desktop grid balancing — avoid orphan rows. Applies only to .features without an inline grid-template-columns. */
@media (min-width: 901px) {
  .features:has(> :nth-child(2)):not(:has(> :nth-child(3))) { grid-template-columns: repeat(2, 1fr); }
  .features:has(> :nth-child(4)):not(:has(> :nth-child(5))) { grid-template-columns: repeat(2, 1fr); }
  .features:has(> :nth-child(7)):not(:has(> :nth-child(8))) { grid-template-columns: repeat(4, 1fr); }
  .features:has(> :nth-child(8)):not(:has(> :nth-child(9))) { grid-template-columns: repeat(4, 1fr); }
  .features:has(> :nth-child(10)):not(:has(> :nth-child(11))) { grid-template-columns: repeat(4, 1fr); }
  .features:has(> :nth-child(11)):not(:has(> :nth-child(12))) { grid-template-columns: repeat(4, 1fr); }
}
.feature { padding: 4px; }
.feature__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--teal-wash); color: var(--teal); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.feature__icon svg { width: 23px; height: 23px; }
.feature h3 { font-size: 1.12rem; margin-bottom: 6px; }
.feature h3 a { color: inherit; }
.feature p { font-size: .96rem; margin: 0; }
.feature--link { display: block; color: inherit; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; transition: box-shadow .2s var(--ease), border-color .2s var(--ease), transform .2s var(--ease); }
.feature--link:hover { box-shadow: var(--shadow); border-color: var(--teal-light); transform: translateY(-2px); color: inherit; }
.feature--link h3 { color: var(--navy); }
.feature--link p { color: var(--ink-soft); }

/* ---------- Photo hero + bands ---------- */
.hero__art img.photo { width: 100%; aspect-ratio: 5 / 4; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); display: block; }
.photoband { display: block; line-height: 0; }
.photoband img { width: 100%; height: 400px; object-fit: cover; display: block; }
@media (max-width: 760px) { .photoband img { height: 230px; } }

/* ---------- Split / why ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.checklist { list-style: none; margin: 22px 0 0; padding: 0; }
.checklist li { display: flex; align-items: flex-start; gap: 12px; padding: 11px 0; border-top: 1px solid var(--line-soft); color: var(--ink); font-weight: 500; }
.checklist li:first-child { border-top: 0; }
.checklist .ck { width: 26px; height: 26px; border-radius: 50%; background: var(--teal-wash); color: var(--teal); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.section--navy .checklist .ck { background: rgba(154,212,214,.16); color: var(--teal-light); }
.section--navy .checklist li { color: #d8e6ee; border-color: rgba(255,255,255,.09); }
.checklist .ck svg { width: 15px; height: 15px; }
.media-frame { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.media-frame svg, .media-frame img { width: 100%; display: block; }

/* ---------- Renewal / CTA band ---------- */
.band { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%); border-radius: var(--radius-lg); padding: 52px 48px; color: #cfe0ea; position: relative; overflow: hidden; }
.band__inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.4fr 1fr; gap: 36px; align-items: center; }
.band h2 { color: #fff; margin-bottom: 10px; }
.band p { color: #b8cdda; margin: 0; }
.band__cta { display: flex; flex-direction: column; gap: 12px; }
.band__road { position: absolute; right: -40px; bottom: -60px; width: 280px; opacity: .12; z-index: 1; }

/* ---------- Documents ---------- */
.docs { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.doc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 18px; text-align: center; transition: transform .2s var(--ease); }
.doc:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.doc__icon { width: 42px; height: 42px; margin: 0 auto 12px; border-radius: 11px; background: var(--teal-wash); color: var(--teal); display: flex; align-items: center; justify-content: center; }
.doc__icon svg { width: 21px; height: 21px; }
.doc strong { display: block; font-size: .98rem; }
.doc span { font-size: .85rem; color: var(--ink-faint); }

/* ---------- Cards / guides ---------- */
.cards3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.gcard { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: transform .2s var(--ease), box-shadow .2s var(--ease); display: flex; flex-direction: column; }
.gcard:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.gcard__top { height: 96px; background: linear-gradient(135deg, var(--teal) 0%, var(--navy) 100%); position: relative; }
.gcard__top svg { position: absolute; right: 16px; bottom: -1px; width: 70px; opacity: .35; }
.gcard__body { padding: 22px 22px 24px; flex-grow: 1; display: flex; flex-direction: column; }
.gcard__tag { font-size: .74rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--teal-accent); }
.gcard h3 { font-size: 1.1rem; margin: 8px 0 8px; }
.gcard p { font-size: .92rem; margin: 0 0 16px; flex-grow: 1; }
.gcard__link { font-weight: 600; font-size: .92rem; display: inline-flex; align-items: center; gap: 6px; }
.gcard__link svg { width: 15px; height: 15px; transition: transform .2s var(--ease); }
.gcard:hover .gcard__link svg { transform: translateX(4px); }

/* ---------- Trust / partner line ---------- */
.partner { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; font-size: .9rem; color: var(--ink-faint); }
.partner img { height: 30px; opacity: .9; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; background: #fff; overflow: hidden; transition: box-shadow .2s var(--ease), border-color .2s var(--ease); }
.faq__item[open] { box-shadow: var(--shadow); border-color: var(--teal-light); }
.faq__q { list-style: none; cursor: pointer; padding: 20px 24px; font-weight: 600; color: var(--navy); font-size: 1.05rem; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.faq__q::-webkit-details-marker { display: none; }
.faq__q .ic { width: 22px; height: 22px; flex-shrink: 0; color: var(--teal); transition: transform .25s var(--ease); }
.faq__item[open] .faq__q .ic { transform: rotate(45deg); }
.faq__a { padding: 0 24px 22px; color: var(--ink-soft); font-size: .98rem; }
.faq__a p { margin: 0; }

/* ---------- Final CTA ---------- */
.finalcta { background: var(--navy); text-align: center; }
.finalcta h2 { color: #fff; }
.finalcta p { color: #b8cdda; max-width: 600px; margin: 0 auto 28px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-deep); color: #9fb4c2; padding: 64px 0 0; font-size: .92rem; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; }
.footer__brand img { width: 260px; height: auto; margin-bottom: 18px; }
.footer__brand p { color: #8aa0af; font-size: .9rem; max-width: 30ch; }
.footer h3 { color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 16px; font-weight: 600; }
.footer ul { list-style: none; margin: 0; padding: 0; }
.footer ul li { margin-bottom: 10px; }
.footer ul a { color: #a9bdc9; }
.footer ul a:hover { color: var(--teal-light); }
.footer__contact a { display: flex; align-items: center; gap: 9px; color: #c3d3df; margin-bottom: 11px; }
.footer__contact svg { width: 16px; height: 16px; color: var(--teal-light); flex-shrink: 0; }
.footer__ext::after { content: '↗'; font-size: .8em; margin-left: 4px; opacity: .6; }
.footer__bar { border-top: 1px solid rgba(255,255,255,.09); padding: 22px 0; }
.footer__bar .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer__legal { display: flex; gap: 18px; flex-wrap: wrap; }
.footer__legal a { color: #8aa0af; font-size: .85rem; }
.footer__copy { font-size: .82rem; color: #6d8190; }
.footer__trust { font-size: .8rem; color: #6d8190; max-width: 60ch; padding-bottom: 22px; }

/* ---------- Breadcrumb ---------- */
.breadcrumb { background: var(--paper); border-bottom: 1px solid var(--line); }
.breadcrumb .container { padding: 13px 24px; font-size: .85rem; color: var(--ink-faint); display: flex; gap: 8px; flex-wrap: wrap; }
.breadcrumb a { color: var(--teal-mid); }
.breadcrumb span { color: var(--ink-faint); }

/* ---------- Page hero (interior) ---------- */
.pagehero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%); color: #cfe0ea; position: relative; overflow: hidden; }
.pagehero .container { position: relative; z-index: 2; padding: 64px 24px; max-width: 820px; }
.pagehero .eyebrow { color: var(--teal-light); }
.pagehero h1 { color: #fff; margin-bottom: 16px; }
.pagehero p { color: #bcd0dd; font-size: 1.15rem; max-width: 56ch; margin-bottom: 26px; }
.pagehero__road { position: absolute; right: 40px; top: 50%; transform: translateY(-50%); width: 260px; opacity: .14; z-index: 1; }

/* ---------- Prose blocks ---------- */
.prose h2 { margin-top: 0; }
.prose h3 { margin-top: 1.6em; }
.prose ul { padding-left: 0; list-style: none; margin: 1em 0 1.4em; }
.prose ul li { position: relative; padding-left: 30px; margin-bottom: 10px; color: var(--ink-soft); }
.prose ul li::before { content: ''; position: absolute; left: 0; top: 9px; width: 16px; height: 10px; border-left: 2px solid var(--teal); border-bottom: 2px solid var(--teal); transform: rotate(-45deg); }

/* ---------- Inline note / callout ---------- */
.note { background: var(--teal-wash); border-left: 3px solid var(--teal); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 22px; font-size: .96rem; color: var(--navy); margin: 24px 0; }
.note strong { color: var(--navy); }
.doc-download { display: inline-flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-pill); padding: 12px 22px; font-weight: 600; color: var(--navy); box-shadow: var(--shadow-sm); transition: all .2s var(--ease); }
.doc-download:hover { border-color: var(--teal); color: var(--teal); transform: translateY(-2px); }
.doc-download svg { width: 18px; height: 18px; color: var(--teal); }

/* ---------- Quote form panel ---------- */
.quote-panel { background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow); }
.quote-panel h3 { margin-bottom: 6px; }
.quote-panel p { font-size:.92rem; }

/* ---------- Legal pages ---------- */
.legal { max-width: 860px; margin: 0 auto; }
.legal__meta { font-size: .9rem; color: var(--ink-faint); margin-bottom: 28px; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
.legal h2 { font-size: 1.4rem; margin: 40px 0 12px; padding-top: 8px; }
.legal h3 { font-size: 1.1rem; margin: 26px 0 8px; }
.legal p, .legal li { color: var(--ink-soft); }
.legal ul { padding-left: 0; list-style: none; margin: 12px 0 18px; }
.legal ul li { position: relative; padding-left: 26px; margin-bottom: 9px; }
.legal ul li::before { content: ''; position: absolute; left: 0; top: 9px; width: 13px; height: 8px; border-left: 2px solid var(--teal); border-bottom: 2px solid var(--teal); transform: rotate(-45deg); }
.legal .confirm { background: #fff6e6; border: 1px dashed #e0a93b; color: #8a5a00; padding: 2px 8px; border-radius: 6px; font-size: .9em; font-weight: 500; }
.toc { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 28px; margin: 0 0 36px; }
.toc h2 { font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--teal-accent); margin: 0 0 14px; font-weight: 600; }
.toc ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 36px; }
.toc ol li { margin-bottom: 8px; color: var(--ink-soft); }
.toc ol li::before { display: none; }
.toc a { color: var(--navy); }
.toc a:hover { color: var(--teal); }
.legal-table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; font-size: .9rem; }
.legal-table th, .legal-table td { text-align: left; padding: 11px 12px; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.legal-table thead th { background: var(--navy); color: #fff; font-weight: 500; }
.legal-table tbody td:first-child { font-family: var(--font-mono, monospace); color: var(--navy); white-space: nowrap; }
.legal-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
.legal-id { background: var(--teal-wash); border-radius: var(--radius); padding: 20px 24px; margin: 20px 0; }
.legal-id dt { font-weight: 600; color: var(--navy); font-size: .85rem; }
.legal-id dd { margin: 0 0 12px; color: var(--ink-soft); }

/* ---------- Sticky mobile CTA ---------- */
.mobilecta { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -4px 20px rgba(0,31,63,.1); padding: 9px 12px; gap: 9px; }
.mobilecta a { flex: 1; display: flex; align-items: center; justify-content: center; gap: 7px; padding: 13px 8px; border-radius: var(--radius-pill); font-weight: 600; font-size: .92rem; }
.mobilecta svg { width: 18px; height: 18px; }
.mobilecta .m-quote { background: var(--teal); color: #fff; }
.mobilecta .m-wa { background: #25D366; color: #0a3a1c; }
.mobilecta .m-call { background: var(--teal-wash); color: var(--teal); }

/* ---------- Mobile nav drawer ---------- */
.nav-drawer { display: none; }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 1080px) {
  .tiers { grid-template-columns: repeat(2, 1fr); }
  .docs { grid-template-columns: repeat(3, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; gap: 36px; padding-top: 48px; padding-bottom: 54px; }
  .hero__art { order: -1; max-width: 520px; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .band__inner { grid-template-columns: 1fr; gap: 24px; }
  .statband .container { grid-template-columns: repeat(2, 1fr); gap: 20px 8px; }
  .stat:nth-child(3)::before { display: none; }
  .features { grid-template-columns: 1fr 1fr; }
  .utility__left span.hide-sm { display: none; }
}
@media (max-width: 760px) {
  .section { padding: 56px 0; }
  .nav { display: none; }
  .nav-toggle { display: block; }
  /* keep a compact Get a Quote in the header at all times (50+ findability) */
  .header__cta .btn--ghost { display: none; }
  .header__cta .btn--primary { display: inline-flex; padding: 11px 16px; font-size: .92rem; }
  .header .container { gap: 10px; }
  .steps, .cards3 { grid-template-columns: 1fr; }
  .features { grid-template-columns: 1fr; }
  .compare-wrap { border-radius: var(--radius); }
  .band { padding: 38px 26px; }
  .ctastrip { padding: 32px 22px; }
  .footer__grid { grid-template-columns: 1fr; }
  .mobilecta { display: flex; }
  .floatcta { display: none; }
  body { padding-bottom: 70px; }
  /* Utility bar: one clean, tappable call line — no squashing */
  .utility { font-size: .9rem; }
  .utility .container { justify-content: center; min-height: 44px; }
  .utility__left { display: none; }
  .utility__right { width: 100%; justify-content: center; gap: 18px; font-size: .92rem; }
  .utility__right .hide-sm { display: none; }
  .utility__right a { font-weight: 600; }
  /* mobile nav drawer */
  .nav-drawer { display: block; position: fixed; inset: 0; z-index: 80; background: rgba(0,21,43,.5); opacity: 0; pointer-events: none; transition: opacity .25s var(--ease); }
  .nav-drawer.open { opacity: 1; pointer-events: auto; }
  .nav-drawer__panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(82%, 340px); background: #fff; padding: 24px; transform: translateX(100%); transition: transform .3s var(--ease); overflow-y: auto; }
  .nav-drawer.open .nav-drawer__panel { transform: translateX(0); }
  .nav-drawer__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
  .nav-drawer__close { background: none; border: 0; cursor: pointer; color: var(--navy); padding: 6px; }
  .nav-drawer__close svg { width: 26px; height: 26px; }
  .nav-drawer a { display: block; padding: 14px 4px; font-weight: 500; font-size: 1.05rem; color: var(--navy); border-bottom: 1px solid var(--line-soft); }
  .nav-drawer .btn { display: flex; width: 100%; justify-content: center; align-items: center; margin-top: 14px; border-bottom: 0; padding: 15px 20px; font-size: 1.02rem; }
  .nav-drawer .btn--primary { color: #fff; }
  .nav-drawer .btn--ghost { color: var(--navy); margin-top: 10px; }
  .nav-drawer .btn--ghost:hover { color: var(--navy); }
}
@media (max-width: 460px) {
  .tiers, .docs { grid-template-columns: 1fr; }
  h1 { font-size: 2rem; }
}