/* ============================================================
   Focus West Insurance — financial-grade stylesheet
   Tokens · fluid type · grid · dark mode · reduced motion
   ============================================================ */

:root {
  color-scheme: light;
  /* Brand */
  --navy:      #003462;
  --navy-deep: #06182b;
  --blue:      #0367b4;
  --blue-2:    #2f9df1;
  --sky:       #84d6ff;
  --gold:      #c9a227;   /* restrained accent for a financial feel */

  /* Surfaces */
  --bg:        #f6f8fb;
  --bg-2:      #eef3f8;
  --panel:     #ffffff;
  --ink:       #0b1b2b;
  --muted:     #586a7b;
  --line:      rgba(0, 52, 98, 0.12);
  --line-soft: rgba(0, 52, 98, 0.07);

  --glass:     rgba(255, 255, 255, 0.72);
  --shadow-sm: 0 2px 10px rgba(0, 52, 98, 0.06);
  --shadow-md: 0 18px 44px rgba(0, 52, 98, 0.10);
  --shadow-lg: 0 30px 80px rgba(0, 52, 98, 0.16);

  --radius:    20px;
  --radius-sm: 12px;
  --radius-lg: 28px;

  --maxw: 1180px;
  --pad:  clamp(44px, 5.5vw, 80px);

  --ease: cubic-bezier(.22, .61, .36, 1);

  --font-sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-serif: "Lora", Georgia, "Times New Roman", serif;
}

[data-theme="dark"] {
  color-scheme: dark;
  --bg:        #07111d;
  --bg-2:      #0a1726;
  --panel:     #0e1d2e;
  --ink:       #eaf3fb;
  --muted:     #9fb2c4;
  --line:      rgba(255, 255, 255, 0.12);
  --line-soft: rgba(255, 255, 255, 0.07);
  --glass:     rgba(14, 29, 46, 0.72);
  --blue:      #4aa8f0;
  --shadow-sm: 0 2px 10px rgba(0, 0, 0, 0.4);
  --shadow-md: 0 18px 44px rgba(0, 0, 0, 0.45);
  --shadow-lg: 0 30px 80px rgba(0, 0, 0, 0.55);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink);
  background:
    radial-gradient(120% 80% at 100% -10%, rgba(132, 214, 255, 0.16), transparent 55%),
    radial-gradient(90% 60% at -10% 0%, rgba(3, 103, 180, 0.08), transparent 50%),
    var(--bg);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
button { font: inherit; cursor: pointer; }

:focus-visible {
  outline: 3px solid var(--blue-2);
  outline-offset: 3px;
  border-radius: 6px;
}

.skip-link {
  position: absolute;
  left: 16px; top: -60px;
  z-index: 200;
  background: var(--navy);
  color: #fff;
  padding: 12px 18px;
  border-radius: 0 0 12px 12px;
  font-weight: 700;
  transition: top .2s var(--ease);
}
.skip-link:focus { top: 0; }

.shell { width: min(var(--maxw), calc(100% - 48px)); margin-inline: auto; }
.section { padding-block: var(--pad); }
.section-alt { background: linear-gradient(180deg, var(--bg-2), transparent 60%); }

/* ---------- Typography ---------- */
h1, h2, h3 { margin: 0; line-height: 1.05; letter-spacing: -0.02em; font-weight: 700; }
h1 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(2.6rem, 6vw, 4.4rem);
  letter-spacing: -0.025em;
  line-height: 1.02;
}
h1 em { font-style: italic; color: var(--blue); }
.you-emph { font-style: italic; }

/* slogan band directly below the header */
.slogan-band { background: color-mix(in srgb, var(--navy) 6%, var(--bg)); border-bottom: 1px solid var(--line-soft); }
.slogan-band .shell { padding: 12px 0; text-align: center; font-family: var(--font-serif); font-style: italic; font-size: clamp(1rem, 1.7vw, 1.35rem); color: var(--navy); letter-spacing: .01em; }
[data-theme="dark"] .slogan-band { background: color-mix(in srgb, var(--sky) 9%, var(--bg)); }
[data-theme="dark"] .slogan-band .shell { color: var(--sky); }
h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(2rem, 4vw, 3.1rem);
  letter-spacing: -0.02em;
  line-height: 1.08;
}
h3 { font-size: 1.3rem; letter-spacing: -0.01em; }

.eyebrow {
  margin: 0 0 16px;
  color: var(--blue);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
}
.lede { font-size: clamp(1.05rem, 1.6vw, 1.2rem); color: var(--muted); max-width: 36em; }
.section-intro { font-size: 1.06rem; color: var(--muted); max-width: 44em; }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: color-mix(in srgb, var(--bg) 82%, transparent);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line-soft);
}
.nav { min-height: 88px; display: flex; align-items: center; gap: 24px; padding-block: clamp(14px, 1.6vw, 22px); }
.brand { display: inline-flex; flex-direction: column; align-items: flex-start; justify-content: center; gap: 8px; margin-right: auto; }
.brand-logo { width: clamp(300px, 33vw, 510px); height: auto; }
.brand-tagline { font-family: var(--font-serif); font-style: italic; font-weight: 500; font-size: clamp(1.05rem, 1.7vw, 1.5rem); color: var(--muted); line-height: 1.1; letter-spacing: .01em; }
[data-theme="dark"] .brand-tagline { color: var(--sky); }
@media (max-width: 680px) { .brand-tagline { display: none; } }
.nav-cta .cta-short { display: none; }
@media (max-width: 600px) {
  .brand-logo { width: clamp(118px, 32vw, 210px); }
  .nav { gap: 8px; }
  .nav-cta { padding: 9px 12px; font-size: .82rem; }
  .nav-cta .cta-full { display: none; }
  .nav-cta .cta-short { display: inline; }
  .lang-btn { padding: 6px 8px; font-size: .73rem; }
}
/* ultra-narrow safeguard (foldable cover screens, ~280–360px) */
@media (max-width: 360px) {
  .brand-logo { width: 104px; }
  .nav { gap: 6px; }
  .nav-cta { padding: 8px 11px; font-size: .8rem; }
  .lang-btn { padding: 6px 7px; font-size: .72rem; }
}
.logo-night { display: none; filter: brightness(0) invert(1); }
[data-theme="dark"] .logo-day { display: none; }
[data-theme="dark"] .logo-night { display: block; }

.nav { position: relative; }
.nav-links {
  position: absolute; top: calc(100% + 6px); right: 0; left: auto;
  width: min(264px, calc(100vw - 32px)); z-index: 60;
  display: flex; flex-direction: column; align-items: stretch; gap: 2px; font-weight: 600;
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 12px; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(-10px); transition: .25s var(--ease);
}
.nav-links.open { opacity: 1; visibility: visible; transform: none; }
.nav-links > a { color: var(--ink); padding: 11px 12px; border-radius: 10px; transition: color .2s var(--ease), background .2s var(--ease); }
.nav-links > a:hover { color: var(--blue); background: color-mix(in srgb, var(--blue) 8%, transparent); }
.nav-links .theme-toggle { width: 100%; height: 46px; margin-top: 6px; }

.nav-cta {
  background: var(--navy); color: #fff !important;
  padding: 11px 18px; border-radius: 999px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s var(--ease), box-shadow .2s var(--ease);
}
.nav-cta::after { display: none; }
.nav-cta:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); color: #fff !important; }
[data-theme="dark"] .nav-cta { background: var(--blue); }

/* secondary top-bar pill (Captive Programs) */
.nav-pill-captive {
  display: inline-flex; align-items: center; white-space: nowrap;
  border: 1.5px solid var(--navy); color: var(--navy);
  padding: 10px 18px; border-radius: 999px; font-weight: 700; font-size: .9rem;
  transition: background .2s var(--ease), color .2s var(--ease), transform .2s var(--ease);
}
.nav-pill-captive:hover { background: var(--navy); color: #fff; transform: translateY(-2px); }
.nav-pill-captive.is-current { background: var(--navy); color: #fff; }
[data-theme="dark"] .nav-pill-captive { border-color: var(--sky); color: var(--sky); }
[data-theme="dark"] .nav-pill-captive:hover,
[data-theme="dark"] .nav-pill-captive.is-current { background: var(--sky); color: var(--navy-deep); }
.nav-pill-captive .cap-short { display: none; }
@media (max-width: 680px) { .nav-pill-captive { display: none; } } /* mobile uses the menu link */

.theme-toggle {
  width: 42px; height: 42px; display: grid; place-items: center;
  border: 1px solid var(--line); background: var(--panel); color: var(--ink);
  border-radius: 999px; box-shadow: var(--shadow-sm);
  transition: transform .2s var(--ease);
}
.theme-toggle:hover { transform: translateY(-2px); }
.theme-toggle .moon { display: none; }
[data-theme="dark"] .theme-toggle .sun { display: none; }
[data-theme="dark"] .theme-toggle .moon { display: inline; }

.lang-toggle { display: inline-flex; gap: 2px; padding: 3px; border: 1px solid var(--line); border-radius: 999px; background: var(--panel); box-shadow: var(--shadow-sm); }
.lang-btn { border: 0; background: none; color: var(--muted); font-weight: 800; font-size: .8rem; letter-spacing: .02em; padding: 7px 13px; border-radius: 999px; cursor: pointer; transition: background .2s var(--ease), color .2s var(--ease); }
.lang-btn:hover { color: var(--ink); }
.lang-btn.is-active { background: var(--navy); color: #fff; }
[data-theme="dark"] .lang-btn.is-active { background: var(--blue); }
@media (max-width: 520px) { .lang-btn { padding: 7px 10px; } }

/* "available in Spanish" prompt for English visitors */
.lang-promo {
  position: fixed; left: 20px; bottom: 20px; z-index: 1000;
  display: inline-flex; align-items: center; gap: 4px;
  background: var(--navy); color: #fff; border-radius: 999px;
  padding: 5px 6px 5px 6px; box-shadow: var(--shadow-lg);
  transform: translateY(20px); opacity: 0;
  transition: transform .3s var(--ease), opacity .3s var(--ease);
}
.lang-promo.is-shown { transform: none; opacity: 1; }
.lang-promo.is-hidden { transform: translateY(20px); opacity: 0; }
.lang-promo-go { border: 0; background: #fff; color: var(--navy); font-weight: 800; font-size: .8rem; padding: 7px 14px; border-radius: 999px; cursor: pointer; white-space: nowrap; transition: background .2s var(--ease); }
.lang-promo-go:hover { background: var(--sky); }
.lang-promo-x { border: 0; background: transparent; color: rgba(255,255,255,.8); font-size: 1.2rem; line-height: 1; cursor: pointer; padding: 0 6px; }
.lang-promo-x:hover { color: #fff; }
@media (max-width: 520px) { .lang-promo { left: 12px; bottom: 12px; } }

/* Accessibility quick-controls (in-house, real controls — not an overlay widget) */
.a11y-fab { position: fixed; right: 20px; bottom: 20px; z-index: 1001; width: 54px; height: 54px; border-radius: 50%; border: 0; background: var(--navy); color: #fff; box-shadow: var(--shadow-lg); display: grid; place-items: center; cursor: pointer; transition: transform .2s var(--ease); }
.a11y-fab:hover { transform: scale(1.07); }
.a11y-fab svg { width: 30px; height: 30px; }
[data-theme="dark"] .a11y-fab { background: var(--blue); }
.a11y-panel { position: fixed; right: 20px; bottom: 86px; z-index: 1001; width: 290px; max-width: calc(100% - 40px); background: var(--panel); color: var(--ink); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 18px 20px; display: none; }
.a11y-panel.open { display: block; }
.a11y-panel h3 { font-size: 1.05rem; margin: 0 0 6px; }
.a11y-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 0; border-top: 1px solid var(--line-soft); }
.a11y-row > span { font-weight: 600; font-size: .94rem; }
.a11y-row button { border: 1px solid var(--line); background: var(--bg); color: var(--ink); border-radius: 999px; padding: 7px 16px; font-weight: 700; font-size: .82rem; cursor: pointer; min-width: 62px; }
.a11y-row button[aria-pressed="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
[data-theme="dark"] .a11y-row button[aria-pressed="true"] { background: var(--blue); border-color: var(--blue); }
.a11y-link { display: inline-block; margin-top: 14px; color: var(--blue); font-weight: 700; font-size: .9rem; }

/* applied states */
html.fw-large-text { font-size: 112.5%; }
html.fw-contrast { --ink: #000; --muted: #243240; --line: rgba(0, 0, 0, .5); --line-soft: rgba(0, 0, 0, .3); }
[data-theme="dark"].fw-contrast, html[data-theme="dark"].fw-contrast { --ink: #fff; --muted: #e6eef6; --line: rgba(255, 255, 255, .62); --line-soft: rgba(255, 255, 255, .4); }
html.fw-contrast a:not(.btn):not(.nav-cta) { text-decoration: underline; }
html.fw-no-motion *, html.fw-no-motion *::before, html.fw-no-motion *::after { animation-duration: .001s !important; animation-iteration-count: 1 !important; transition-duration: .001s !important; }
html.fw-no-motion .marquee-track { animation: none !important; }

.nav-toggle {
  display: flex; width: 46px; height: 42px; border: 1px solid var(--line);
  background: var(--panel); border-radius: 12px; padding: 0;
  flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.nav-toggle span { width: 20px; height: 2px; background: var(--ink); border-radius: 2px; transition: .25s var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border-radius: 999px; padding: 15px 26px; font-weight: 700; font-size: .98rem;
  border: 1px solid transparent;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.btn.primary {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff; box-shadow: 0 14px 30px rgba(3, 103, 180, 0.28);
}
.btn.primary:hover { transform: translateY(-3px); box-shadow: 0 20px 44px rgba(3, 103, 180, 0.36); }
.btn.ghost { background: var(--panel); color: var(--ink); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn.ghost:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.btn.full { width: 100%; }

/* ---------- Hero ---------- */
.hero { position: relative; padding-top: clamp(48px, 7vw, 90px); padding-bottom: 120px; }
.hero-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
.hero-copy { max-width: 40em; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 32px 0 36px; }

.hero-stats { display: flex; gap: 28px; flex-wrap: wrap; margin: 0; padding-top: 24px; border-top: 1px solid var(--line-soft); }
.hero-stats div { display: grid; gap: 2px; position: relative; cursor: help; }
.stat-tip {
  position: absolute; left: 0; bottom: calc(100% + 12px); z-index: 30;
  width: 270px; max-width: 80vw;
  background: var(--navy-deep); color: #fff; border-radius: 12px; padding: 12px 15px;
  font-family: var(--font-sans); font-size: .85rem; font-weight: 400; line-height: 1.5; letter-spacing: 0;
  box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .18s var(--ease), transform .18s var(--ease), visibility .18s;
  pointer-events: none;
}
.hero-stats div:hover .stat-tip,
.hero-stats div:focus .stat-tip,
.hero-stats div:focus-within .stat-tip { opacity: 1; visibility: visible; transform: none; }
.stat-tip::after { content: ""; position: absolute; top: 100%; left: 28px; border: 7px solid transparent; border-top-color: var(--navy-deep); }
[data-theme="dark"] .stat-tip { background: var(--panel); border: 1px solid var(--line); }
[data-theme="dark"] .stat-tip::after { border-top-color: var(--panel); }
.hero-stats dt { font-family: var(--font-serif); font-size: 1.5rem; color: var(--navy); font-weight: 600; }
[data-theme="dark"] .hero-stats dt { color: var(--sky); }
.hero-stats dd { margin: 0; font-size: .9rem; color: var(--muted); }

.hero-visual { position: relative; }
.hero-photo { position: relative; margin: 0; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }

/* crossfading slideshow */
.hero-slides { position: relative; height: clamp(360px, 46vw, 520px); }
.hero-slide {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  opacity: 0; transform: scale(1.04);
  transition: opacity 1.1s var(--ease), transform 6s linear;
}
.hero-slide.is-active { opacity: 1; transform: scale(1); z-index: 1; }

.hero-photo figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; z-index: 3;
  padding: 30px 24px 22px; color: #fff;
  background: linear-gradient(0deg, rgba(6, 24, 43, 0.92), rgba(6, 24, 43, 0.15) 70%, transparent);
}
.hero-cap-label {
  display: inline-block; margin-bottom: 6px;
  font-size: .72rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase;
  color: var(--sky);
}
.hero-cap-text { display: block; font-weight: 600; font-size: .98rem; }

/* slide dots */
.hero-dots {
  position: absolute; top: 16px; right: 16px; z-index: 3;
  display: flex; gap: 8px;
}
.hero-dots button {
  width: 9px; height: 9px; padding: 0; border-radius: 999px; border: 0;
  background: rgba(255, 255, 255, 0.5); cursor: pointer;
  transition: background .25s var(--ease), width .25s var(--ease);
}
.hero-dots button.is-active { background: #fff; width: 22px; }
.hero-dots button:hover { background: rgba(255, 255, 255, 0.85); }

/* pause / play moving content (WCAG 2.2.2) */
.hero-pause {
  position: absolute; bottom: 16px; right: 16px; z-index: 4;
  width: 40px; height: 40px; display: grid; place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.55); border-radius: 50%;
  background: rgba(6, 24, 43, 0.6); color: #fff;
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  font-size: .72rem; line-height: 1;
  transition: background .2s var(--ease), transform .2s var(--ease);
}
.hero-pause:hover { background: rgba(6, 24, 43, 0.85); transform: scale(1.06); }
.hero-pause .icon-play { display: none; }
.hero-pause[aria-pressed="true"] .icon-pause { display: none; }
.hero-pause[aria-pressed="true"] .icon-play { display: inline; padding-left: 2px; }

[data-motion="paused"] .marquee-track { animation-play-state: paused; }
.hero-badge {
  position: absolute; top: 18px; left: 18px; display: inline-flex; align-items: center; gap: 8px;
  background: var(--glass); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border: 1px solid var(--line); border-radius: 999px; padding: 9px 15px;
  font-size: .82rem; font-weight: 700; color: var(--ink); box-shadow: var(--shadow-sm);
}
.badge-dot { width: 9px; height: 9px; border-radius: 50%; background: #2ecc71; box-shadow: 0 0 0 4px rgba(46, 204, 113, 0.2); }

/* unify program / hero photos with brand tone */
.program-img { position: relative; isolation: isolate; }
.program-img img { transition: transform .6s var(--ease); }
.program-img::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(150deg, rgba(0, 52, 98, 0.32), rgba(3, 103, 180, 0.10) 55%, transparent);
  mix-blend-mode: multiply;
}

/* ---------- Marquee ---------- */
.marquee {
  position: absolute; left: 0; right: 0; bottom: 0; overflow: hidden;
  border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft);
  background: var(--glass); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
}
.marquee-track {
  display: flex; gap: 0; white-space: nowrap; width: max-content;
  animation: marquee 38s linear infinite;
}
.marquee-track span {
  padding: 14px 28px; font-weight: 700; color: var(--navy); font-size: .92rem;
  display: inline-flex; align-items: center;
}
.marquee-track span::after { content: "•"; margin-left: 28px; color: var(--blue); opacity: .55; }
[data-theme="dark"] .marquee-track span { color: var(--sky); }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- Section heading ---------- */
.section-heading { max-width: 760px; margin-bottom: 48px; }

/* ---------- Coverage grid ---------- */
.coverage-grid {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
}
.coverage-card {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
}
.coverage-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--line); }
.coverage-icon {
  display: grid; place-items: center; width: 46px; height: 46px; margin-bottom: 16px;
  border-radius: 12px; font-size: 1.2rem;
  background: color-mix(in srgb, var(--blue) 12%, transparent); color: var(--blue);
}
.coverage-icon svg { width: 26px; height: 26px; }
.coverage-card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.coverage-card p { margin: 0; color: var(--muted); font-size: .95rem; line-height: 1.55; }

.coverage-footnote { margin: 40px auto 0; max-width: 46rem; text-align: center; font-size: clamp(1.3rem, 2.4vw, 1.85rem); line-height: 1.5; color: var(--muted); }
.coverage-footnote a { color: var(--blue); font-weight: 700; border-bottom: 2px solid color-mix(in srgb, var(--blue) 40%, transparent); }
.coverage-footnote a:hover { border-color: var(--blue); }

/* ---------- Programs ---------- */
.program-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.program {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.program:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.program:hover .program-img img { transform: scale(1.05); }
.cta-beta-wrap { position: relative; display: inline-block; margin-top: auto; align-self: flex-start; }
.beta-tag { position: absolute; top: -9px; right: -8px; background: #d92b2b; color: #fff; font-size: .62rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; padding: 3px 8px; border-radius: 999px; box-shadow: 0 2px 8px rgba(0, 0, 0, .25); }
.tag-soon { background: #5a6b7b; }
.cta-soon { opacity: .58; cursor: not-allowed; }
.cta-soon:hover { transform: none; box-shadow: 0 14px 30px rgba(3, 103, 180, .28); }
.program .program-img { border-radius: 0; }
.program .program-img img { width: 100%; height: 220px; object-fit: cover; }
.program-body { padding: 26px 26px 30px; flex: 1; display: flex; flex-direction: column; }
.program-body .ticks { margin-bottom: 24px; }
.program-no { display: none; }
.program-body h3 { margin-bottom: 10px; }
.program-body > p { color: var(--muted); margin: 0 0 18px; }
.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.ticks li { position: relative; padding-left: 28px; color: var(--ink); font-size: .94rem; font-weight: 500; }
.ticks li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  width: 18px; height: 18px; display: grid; place-items: center;
  font-size: .7rem; font-weight: 800; color: var(--blue);
  background: color-mix(in srgb, var(--blue) 14%, transparent); border-radius: 50%;
}

/* ---------- Claims insight ---------- */
.claims-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.selector-panel { display: flex; flex-wrap: wrap; gap: 10px; margin: 28px 0 22px; }
.pill {
  border: 1px solid var(--line); background: var(--panel); color: var(--ink);
  border-radius: 999px; padding: 11px 20px; font-weight: 700; font-size: .92rem;
  transition: background .25s var(--ease), color .25s var(--ease), transform .2s var(--ease);
}
.pill:hover { transform: translateY(-2px); }
.pill.active { background: var(--navy); color: #fff; border-color: var(--navy); }
[data-theme="dark"] .pill.active { background: var(--blue); border-color: var(--blue); }
.claims-advisory {
  margin: 0; padding: 18px 22px; border-left: 3px solid var(--blue);
  background: color-mix(in srgb, var(--blue) 7%, transparent); border-radius: 0 12px 12px 0;
  color: var(--ink); font-size: 1rem; line-height: 1.6;
}

.claims-panel {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(24px, 3vw, 34px);
}
.panel-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.panel-head h3 { font-size: 1.35rem; }
.panel-tag { font-size: .8rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }

.bars { display: grid; gap: 16px; margin: 28px 0; }
.bar-row { display: grid; grid-template-columns: 130px 1fr 44px; gap: 14px; align-items: center; }
.bar-row > span { font-weight: 600; font-size: .92rem; color: var(--ink); }
.bar-track { height: 12px; background: color-mix(in srgb, var(--muted) 18%, transparent); border-radius: 999px; overflow: hidden; }
.bar-fill {
  height: 100%; width: 0; border-radius: 999px;
  background: linear-gradient(90deg, var(--navy), var(--blue-2));
  transition: width .9s var(--ease);
}
.bar-row > strong { text-align: right; font-size: .9rem; color: var(--blue); font-weight: 800; }

.panel-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 6px; }
.panel-metrics div { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px; background: var(--bg); }
.panel-metrics span { display: block; color: var(--muted); font-size: .76rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 4px; }
.panel-metrics strong { font-size: 1.18rem; color: var(--navy); }
[data-theme="dark"] .panel-metrics strong { color: var(--sky); }
.panel-foot { margin: 18px 0 0; font-size: .8rem; color: var(--muted); }

/* ---------- Why Focus West ---------- */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.why-card {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 24px; box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.why-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.why-step {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-size: 1.1rem; font-weight: 600; color: #fff;
  width: 44px; height: 44px; border-radius: 12px; margin-bottom: 18px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
}
.why-card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.why-card p { margin: 0; color: var(--muted); font-size: .95rem; }

.trust-band {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 28px;
  padding: 30px; border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy), var(--navy-deep)); color: #fff;
}
.trust-band div { display: grid; gap: 4px; }
.trust-band strong { font-family: var(--font-serif); font-size: 1.5rem; font-weight: 600; color: var(--sky); }
.trust-band span { font-size: .9rem; color: rgba(255, 255, 255, 0.8); }

/* ---------- Quote ---------- */
.quote-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.contact-cards { list-style: none; padding: 0; margin: 30px 0 0; display: grid; gap: 12px; }
.contact-cards a, .contact-static {
  display: grid; gap: 2px; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 16px 20px; background: var(--panel); font-weight: 700; color: var(--ink);
  box-shadow: var(--shadow-sm); transition: transform .2s var(--ease), box-shadow .2s var(--ease);
}
.contact-cards a:hover { transform: translateX(4px); box-shadow: var(--shadow-md); }
.contact-cards span { font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--blue); }

.quote-form {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(24px, 3vw, 34px); display: grid; gap: 18px;
}
.field { display: grid; gap: 8px; }
.field label { font-weight: 700; font-size: .9rem; }
.field input, .field select, .field textarea {
  width: 100%; border: 1px solid var(--line); background: var(--bg);
  color: var(--ink); border-radius: var(--radius-sm); padding: 14px 16px; font: inherit;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px color-mix(in srgb, var(--blue) 22%, transparent);
}
.field textarea { resize: vertical; }
.form-note { margin: 0; font-size: .86rem; color: var(--muted); text-align: center; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #fff; padding-top: 30px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 36px; padding-bottom: 44px; align-items: start; }
.footer-brand img { width: 220px; margin-top: -8px; margin-bottom: 14px; }
.footer-tagline { font-family: var(--font-serif); font-style: italic; font-size: 1.1rem; color: var(--sky); margin: 0 0 14px; }
.closing-band { text-align: center; padding-block: clamp(22px, 3.5vw, 44px); }
.closing-line { font-family: var(--font-serif); font-weight: 500; font-size: clamp(1.7rem, 3.6vw, 2.7rem); letter-spacing: -.02em; line-height: 1.12; max-width: 20ch; margin: 0 auto 8px; }
.closing-line em { font-style: italic; color: var(--blue); }
.closing-sub { font-family: var(--font-serif); font-style: italic; font-weight: 500; font-size: clamp(1.9rem, 4.4vw, 3.2rem); letter-spacing: -.01em; line-height: 1.12; color: var(--navy); margin: 0; }
[data-theme="dark"] .closing-sub { color: var(--sky); }
.footer-brand p { color: rgba(255, 255, 255, 0.72); font-size: .95rem; max-width: 34em; }
.service-area-line { color: var(--sky) !important; font-weight: 600; margin-top: 14px; }
.footer-col { display: grid; gap: 10px; align-content: start; }
.footer-col strong { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--sky); margin-bottom: 4px; }
.footer-col a, .footer-col span { color: rgba(255, 255, 255, 0.78); font-size: .94rem; transition: color .2s var(--ease); }
.footer-col a:hover { color: #fff; }
.footer-col .muted { color: rgba(255, 255, 255, 0.74); }
.footer-legal {
  display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  padding: 22px 0 34px; border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: .82rem; color: rgba(255, 255, 255, 0.78);
}
.footer-legal .muted { max-width: 52ch; }
.footer-legal a { color: #fff; text-decoration: underline; }
.footer-legal a:hover { color: var(--sky); }

/* stronger, visible form-field borders (WCAG 1.4.11 — 3:1 boundary) */
.field input, .field select, .field textarea { border-color: rgba(0, 52, 98, 0.58); }
[data-theme="dark"] .field input,
[data-theme="dark"] .field select,
[data-theme="dark"] .field textarea { border-color: rgba(255, 255, 255, 0.42); }

/* ---------- Contractor quick-quote intake ---------- */
.intake-wrap { max-width: 640px; margin: 0 auto; }
.intake-card {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(24px, 4vw, 40px); min-height: 360px;
}
.intake-progress { height: 6px; border-radius: 999px; background: color-mix(in srgb, var(--muted) 18%, transparent); overflow: hidden; margin-bottom: 28px; }
.intake-progress span { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--navy), var(--blue-2)); transition: width .4s var(--ease); }
.intake-eyebrow { margin: 0 0 12px; color: var(--blue); font-size: .74rem; font-weight: 800; text-transform: uppercase; letter-spacing: .16em; }
.intake-q { font-family: var(--font-serif); font-weight: 500; font-size: clamp(1.5rem, 3.5vw, 2.1rem); line-height: 1.15; outline: none; }
.intake-note { color: var(--muted); margin: 12px 0 0; font-size: .98rem; line-height: 1.6; }

.intake-input { position: relative; margin-top: 24px; }
.intake-input input {
  width: 100%; border: 1px solid rgba(0,52,98,.58); background: var(--bg); color: var(--ink);
  border-radius: var(--radius-sm); padding: 16px 18px; font: inherit; font-size: 1.1rem;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
[data-theme="dark"] .intake-input input { border-color: rgba(255,255,255,.42); }
.intake-input.has-adorn input { padding-left: 38px; }
.intake-adorn { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); font-size: 1.1rem; }
.intake-input input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px color-mix(in srgb, var(--blue) 22%, transparent); }

.intake-yesno { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 26px; }
.intake-choice {
  border: 1px solid var(--line); background: var(--panel); color: var(--ink);
  border-radius: var(--radius); padding: 22px; font-size: 1.1rem; font-weight: 700;
  transition: transform .2s var(--ease), border-color .2s var(--ease), background .2s var(--ease), color .2s var(--ease);
}
.intake-choice:hover { transform: translateY(-3px); border-color: var(--blue); background: color-mix(in srgb, var(--blue) 8%, var(--panel)); }

.intake-checks { display: grid; gap: 10px; margin: 22px 0 4px; }
.intake-check { display: flex; align-items: flex-start; gap: 12px; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 14px 16px; cursor: pointer; transition: border-color .2s var(--ease), background .2s var(--ease); }
.intake-check:hover { border-color: var(--blue); background: color-mix(in srgb, var(--blue) 6%, var(--panel)); }
.intake-check input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--blue); flex: 0 0 auto; }

.intake-exclusions {
  list-style: none; margin: 20px 0 4px; padding: 18px 22px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 11px 28px;
  border: 1px solid var(--line); border-left: 4px solid var(--blue);
  border-radius: var(--radius-sm); background: color-mix(in srgb, var(--blue) 4%, var(--panel));
}
.intake-exclusions li {
  position: relative; padding-left: 22px; font-size: .96rem; line-height: 1.45; color: var(--ink);
}
.intake-exclusions li::before {
  content: ""; position: absolute; left: 2px; top: .45em;
  width: 7px; height: 7px; border-radius: 2px; background: var(--blue); opacity: .65;
}
@media (max-width: 560px) { .intake-exclusions { grid-template-columns: 1fr; } }

/* Trade multi-select type-ahead */
.intake-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 22px 0 0; }
.intake-chips:empty { margin: 0; }
.intake-chip {
  display: inline-flex; align-items: center; gap: 8px; padding: 6px 6px 6px 14px;
  background: color-mix(in srgb, var(--blue) 12%, var(--panel)); color: var(--navy);
  border: 1px solid color-mix(in srgb, var(--blue) 38%, var(--line));
  border-radius: 999px; font-weight: 600; font-size: .92rem;
}
[data-theme="dark"] .intake-chip { color: #eaf4ff; }
.intake-chip-x {
  display: grid; place-items: center; width: 20px; height: 20px; border: 0; border-radius: 50%;
  background: color-mix(in srgb, var(--blue) 22%, transparent); color: var(--navy);
  font-size: 1.05rem; line-height: 1; cursor: pointer; transition: background .15s var(--ease), color .15s var(--ease);
}
.intake-chip-x:hover { background: var(--blue); color: #fff; }
[data-theme="dark"] .intake-chip-x { color: #eaf4ff; }

.intake-typeahead { position: relative; display: flex; gap: 10px; margin-top: 16px; }
.intake-typeahead input {
  flex: 1; min-width: 0; border: 1px solid rgba(0,52,98,.58); background: var(--bg); color: var(--ink);
  border-radius: var(--radius-sm); padding: 16px 18px; font: inherit; font-size: 1.1rem;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
[data-theme="dark"] .intake-typeahead input { border-color: rgba(255,255,255,.42); }
.intake-typeahead input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px color-mix(in srgb, var(--blue) 22%, transparent); }
.intake-add {
  flex: 0 0 auto; border: 1px solid var(--blue); background: var(--panel); color: var(--blue);
  font-weight: 700; border-radius: var(--radius-sm); padding: 0 24px; cursor: pointer;
  transition: background .2s var(--ease), color .2s var(--ease);
}
.intake-add:hover { background: var(--blue); color: #fff; }
.intake-options {
  position: absolute; top: calc(100% + 6px); left: 0; right: 0; z-index: 30; list-style: none;
  margin: 0; padding: 6px; max-height: 280px; overflow-y: auto; background: var(--panel);
  border: 1px solid var(--line); border-radius: var(--radius-sm); box-shadow: var(--shadow-md);
}
.intake-option { padding: 11px 14px; border-radius: var(--radius-sm); cursor: pointer; font-size: .96rem; color: var(--ink); }
.intake-option:hover, .intake-option.is-active { background: color-mix(in srgb, var(--blue) 12%, var(--panel)); }
.intake-option-custom { font-style: italic; color: var(--muted); border-top: 1px solid var(--line); }
@media (max-width: 520px) { .intake-typeahead { flex-wrap: wrap; } .intake-add { width: 100%; padding: 13px; } }

.intake-actions { display: flex; align-items: center; gap: 14px; margin-top: 28px; flex-wrap: wrap; }
.intake-actions .btn.primary { margin-left: auto; }
/* gate: two equal-width buttons that line up (side by side, or stacked when narrow) */
.intake-actions.intake-actions-split { gap: 12px; }
.intake-actions.intake-actions-split .btn { flex: 1 1 200px; margin-left: 0; }
.intake-back { background: none; border: 0; color: var(--muted); font-weight: 700; padding: 8px 4px; }
.intake-back:hover { color: var(--ink); }
.intake-error { color: #c0392b; font-size: .9rem; margin: 12px 0 0; min-height: 1.1em; }
[data-theme="dark"] .intake-error { color: #ff8a80; }

.intake-contact { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 22px; }
.intake-contact .field span { display: block; font-weight: 700; font-size: .9rem; margin-bottom: 8px; }
.req { color: #c0392b; font-weight: 700; }
[data-theme="dark"] .req { color: #ff8a80; }
.intake-contact .field input { width: 100%; border: 1px solid rgba(0,52,98,.58); background: var(--bg); color: var(--ink); border-radius: var(--radius-sm); padding: 14px 16px; font: inherit; }
[data-theme="dark"] .intake-contact .field input { border-color: rgba(255,255,255,.42); }
.intake-contact .field input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px color-mix(in srgb, var(--blue) 22%, transparent); }

.intake-refer-details { display: block; margin-top: 16px; }
.intake-refer-details > span { display: block; font-weight: 700; font-size: .9rem; margin-bottom: 8px; }
.intake-refer-details .intake-optional { font-weight: 400; color: var(--muted); }
.intake-refer-details textarea {
  width: 100%; border: 1px solid rgba(0,52,98,.58); background: var(--bg); color: var(--ink);
  border-radius: var(--radius-sm); padding: 14px 16px; font: inherit; resize: vertical; min-height: 84px;
}
[data-theme="dark"] .intake-refer-details textarea { border-color: rgba(255,255,255,.42); }
.intake-refer-details textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px color-mix(in srgb, var(--blue) 22%, transparent); }

.intake-done { text-align: center; }
.intake-check-badge { width: 64px; height: 64px; margin: 0 auto 18px; border-radius: 50%; display: grid; place-items: center; font-size: 1.8rem; color: #fff; background: linear-gradient(135deg, #16a34a, #21a366); }
.intake-recap { margin: 22px auto 0; max-width: 460px; text-align: left; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 14px 16px; }
.intake-recap summary { cursor: pointer; font-weight: 700; }
.intake-recap pre { white-space: pre-wrap; font-family: var(--font-mono, monospace); font-size: .82rem; color: var(--muted); margin: 12px 0 0; }
.intake-done .intake-actions { justify-content: center; }
.intake-done .intake-actions .btn.primary { margin-left: 0; }

@media (max-width: 520px) { .intake-yesno, .intake-contact { grid-template-columns: 1fr; } }

/* ---------- News feed ---------- */
.news-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 32px; }
.news-subhead { font-size: 1.15rem; font-weight: 700; color: var(--ink); margin: 40px 0 18px; letter-spacing: -.01em; }
.news-subhead:first-of-type { margin-top: 0; }

.news-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 20px; }
.news-card {
  background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.news-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.news-link { display: flex; flex-direction: column; height: 100%; color: inherit; }
.news-thumb {
  display: grid; place-items: center; height: 150px; background-size: cover; background-position: center;
  position: relative;
}
.news-thumb::after { content: ""; position: absolute; inset: 0; background: linear-gradient(160deg, rgba(255,255,255,.12), transparent 60%); }
.news-thumb-icon { font-size: 2.6rem; filter: drop-shadow(0 4px 10px rgba(0,0,0,.3)); }
.cat-regulation  { background: linear-gradient(135deg, #003462, #0367b4); }
.cat-property    { background: linear-gradient(135deg, #7a2e1d, #e0762f); }
.cat-market      { background: linear-gradient(135deg, #0a4d68, #2f9df1); }
.cat-workerscomp { background: linear-gradient(135deg, #14532d, #21a366); }
.cat-auto        { background: linear-gradient(135deg, #1f2f42, #6b7c8c); }
.cat-contractors { background: linear-gradient(135deg, #8a4b0c, #f0a429); }
.cat-trends      { background: linear-gradient(135deg, #312e81, #6366f1); }
.cat-cyber       { background: linear-gradient(135deg, #075985, #0bb7d4); }
.cat-news        { background: linear-gradient(135deg, #334155, #64748b); }

.news-body { display: flex; flex-direction: column; gap: 8px; padding: 20px 22px 22px; flex: 1; }
.news-cat { font-size: .72rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; color: var(--blue); }
.news-title { font-family: var(--font-serif); font-weight: 600; font-size: 1.12rem; line-height: 1.2; color: var(--ink); letter-spacing: -.01em; }
.news-summary {
  color: var(--muted); font-size: .92rem; line-height: 1.55; flex: 1;
  display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden;
}
.news-meta { font-size: .82rem; font-weight: 600; color: var(--muted); margin-top: 4px; }
.news-arrow { color: var(--blue); }
.news-card.is-featured { border-color: color-mix(in srgb, var(--blue) 40%, var(--line)); }
.news-card.is-featured .news-cat { color: var(--blue); }
.news-link:focus-visible { outline: 3px solid var(--blue-2); outline-offset: -3px; }
.news-disclaimer { margin-top: 36px; font-size: .82rem; color: var(--muted); }

/* homepage news teaser */
.news-teaser-cta { margin-top: 30px; }

/* news / articles view toggle */
.view-toggle { display: inline-flex; gap: 4px; padding: 4px; border: 1px solid var(--line); border-radius: 999px; background: var(--panel); box-shadow: var(--shadow-sm); }
.vt-btn { border: 0; background: none; color: var(--muted); font-weight: 700; font-size: .92rem; padding: 9px 22px; border-radius: 999px; transition: background .2s var(--ease), color .2s var(--ease); }
.vt-btn:hover { color: var(--ink); }
.vt-btn.is-active { background: var(--navy); color: #fff; }
[data-theme="dark"] .vt-btn.is-active { background: var(--blue); }
.news-meta-read { color: var(--muted); }

/* article page */
.article { max-width: 720px; margin: 0 auto; }
.article-back { font-weight: 700; color: var(--blue); display: inline-block; margin-bottom: 20px; }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 16px; align-items: center; color: var(--muted); font-size: .86rem; font-weight: 600; margin: 12px 0 0; }
.article-cat { color: var(--blue); text-transform: uppercase; letter-spacing: .08em; font-size: .74rem; font-weight: 800; }
.article h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin-top: 10px; }
.article-lede { font-size: 1.18rem; color: var(--muted); line-height: 1.7; margin-top: 18px; }
.article-body h2 { font-family: var(--font-serif); font-weight: 600; font-size: 1.5rem; margin: 38px 0 12px; letter-spacing: -.01em; }
.article-body p { line-height: 1.8; color: var(--ink); margin: 14px 0; }
.article-body ul { line-height: 1.8; color: var(--ink); padding-left: 22px; display: grid; gap: 8px; margin: 14px 0; }
.article-body strong { font-weight: 700; }
.article-takeaways { border: 1px solid var(--line); border-left: 3px solid var(--blue); border-radius: 0 12px 12px 0; background: color-mix(in srgb, var(--blue) 6%, transparent); padding: 20px 24px; margin: 32px 0; }
.article-takeaways strong { display: block; margin-bottom: 10px; }
.article-takeaways ul { margin: 0; }
.article-cta { background: linear-gradient(135deg, var(--navy), var(--navy-deep)); color: #fff; border-radius: var(--radius-lg); padding: 30px; margin: 38px 0; display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap; }
.article-cta h3 { color: #fff; font-size: 1.3rem; }
.article-cta p { color: rgba(255, 255, 255, .82); margin: 6px 0 0; max-width: 38ch; }
.article-disclaimer { font-size: .82rem; color: var(--muted); margin-top: 34px; border-top: 1px solid var(--line); padding-top: 18px; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.show { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid, .trust-band { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-grid, .claims-grid, .quote-grid { grid-template-columns: 1fr; }
  .program-grid { grid-template-columns: 1fr; max-width: 460px; margin-inline: auto; }
}
@media (max-width: 620px) {
  .shell { width: calc(100% - 32px); }
  .coverage-grid { grid-template-columns: 1fr; }
  .why-grid, .trust-band { grid-template-columns: 1fr; }
  .footer-grid, .footer-legal { grid-template-columns: 1fr; }
  .panel-metrics { grid-template-columns: 1fr; }
  .bar-row { grid-template-columns: 100px 1fr 40px; }
  .hero-actions .btn { flex: 1; }
}

/* ---------- Motion / accessibility preferences ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
  .marquee-track { animation: none; }
}

@media print {
  .site-header, .marquee, .theme-toggle, .nav-toggle { display: none; }
  body { background: #fff; }
}