/* =====================================================================
   Abhaya Health Consultants — one-page site
   ===================================================================== */

/* ---------------------------------------------------------------------
   FONTS: self-hosted (assets/fonts/, SIL Open Font License, see the
   OFL-*.txt files there). Same Plus Jakarta Sans + Poppins as before,
   served from this site instead of Google Fonts for faster first paint.
   font-display: swap keeps text visible while the fonts load.
   --------------------------------------------------------------------- */
@font-face {
  font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 300 800; font-display: swap;
  src: url("assets/fonts/plus-jakarta-sans-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 300 800; font-display: swap;
  src: url("assets/fonts/plus-jakarta-sans-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: "Poppins"; font-style: normal; font-weight: 400; font-display: swap;
  src: url("assets/fonts/poppins-400-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Poppins"; font-style: normal; font-weight: 400; font-display: swap;
  src: url("assets/fonts/poppins-400-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: "Poppins"; font-style: normal; font-weight: 500; font-display: swap;
  src: url("assets/fonts/poppins-500-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Poppins"; font-style: normal; font-weight: 500; font-display: swap;
  src: url("assets/fonts/poppins-500-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* ---------------------------------------------------------------------
   BRAND COLOURS — REPLACE WITH EXACT BRAND GUIDE HEX
   Every colour on the site comes from these variables (no other hex /
   rgb literals elsewhere, except the transparent navy used in shadows).
   Values were SAMPLED from the swatch pixels of brand guideline p10
   (the printed hex labels on that page conflict) and cross-checked
   against the official logo file. Confirm the master values with the
   client and update here + the theme-color meta tag in index.html.
   --------------------------------------------------------------------- */
:root {
  /* REPLACE WITH EXACT BRAND GUIDE HEX */
  /* Primary — Royal Blue + tints (p10 row 1; logo blue = #0244B2) */
  --brand-blue:        #0244B2;
  --brand-blue-75:     #4174C5;
  --brand-blue-50:     #81A2D8;
  --brand-blue-25:     #C0D1EB;
  /* Accent — Orange + tints (p10 row 2; logo dot = #F97209) — use sparingly */
  --brand-orange:      #F97209;
  --brand-orange-75:   #FB9447;
  --brand-orange-50:   #FBB884;
  --brand-orange-25:   #FEDCC1;
  /* Secondary — Dark Navy + tints (p10 row 3, labelled 042042) */
  --brand-navy:        #042143;
  --brand-navy-75:     #435971;
  --brand-navy-50:     #8390A1;
  --brand-navy-25:     #C0C7D1;
  /* Secondary — pale blue backgrounds (p10 rows 4–5, first swatch of each) */
  --brand-pale-1:      #EBF1FD;
  --brand-pale-2:      #F5F8FD;
  --white:             #FFFFFF;
  /* (Logo "Health Consultants" navy is #0B1F3A — used inside assets/logo.svg only) */

  /* Semantic roles (map to palette above) */
  --ink:        var(--brand-navy);       /* headings */
  --text:       var(--brand-navy-75);    /* body copy: 7:1 on white */
  --muted:      var(--brand-navy-75);
  --line:       var(--brand-blue-25);    /* card borders / hairlines */
  --field-line: var(--brand-navy-25);

  /* Type: brand guideline p11 / p12 */
  --font-head: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  --font-body: "Poppins", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  --fs-h1:    clamp(2.125rem, 1.2rem + 3.9vw, 4.25rem);   /* 34 → 68px */
  --fs-h2:    clamp(1.625rem, 1.1rem + 2.1vw, 2.625rem);  /* 26 → 42px */
  --fs-h3:    1.25rem;                                   /* 20px */
  --fs-lead:  clamp(1.0625rem, 1rem + .25vw, 1.1875rem); /* 17 → 19px */
  --fs-body:  1rem;                                      /* 16px */
  --fs-small: .9375rem;                                  /* 15px: card copy, lists */
  --fs-xs:    .875rem;                                   /* 14px: labels, notes, footer meta */

  /* Spacing & grid: one container, one gutter, one radius */
  --container: 1200px;
  --gutter: 24px;
  --gap: 24px;                                  /* every card grid */
  --radius: 10px;                               /* every box: cards, buttons, inputs, panels */
  --section-y: clamp(64px, 7.5vw, 112px);
  --head-gap: clamp(32px, 4vw, 52px);           /* section heading → content */
  --icon-box: 48px;
  --icon: 24px;

  /* Header & logo */
  --header-h: 84px;
  --logo-h: 52px;                               /* header logo height (never stretched: width auto) */
  --logo-clear: .132;                           /* 1X clear space = orange-dot diameter = 13.2% of logo height */

  --shadow: 0 6px 18px rgba(4, 33, 67, .07);
  --a-slant: .2867;                             /* tan(16°): stroke angle of the A, guideline p06 */
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 8px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0; font-family: var(--font-body); font-size: var(--fs-body); line-height: 1.75;
  color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
h1, h2, h3 { font-family: var(--font-head); color: var(--ink); margin: 0; line-height: 1.15; font-weight: 700; }
h2 { font-size: var(--fs-h2); letter-spacing: -.01em; }
h3 { font-size: var(--fs-h3); line-height: 1.3; letter-spacing: -.005em; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }

.icon { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }

:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 3px; }
.section-brand :focus-visible, .cta-band :focus-visible, .site-footer :focus-visible, .contact-card :focus-visible { outline-color: var(--white); }

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 200;
  background: var(--brand-blue); color: var(--white); padding: 10px 16px; border-radius: var(--radius);
  font-family: var(--font-head); font-weight: 700; text-decoration: none;
}
.skip-link:focus { top: 12px; }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small); line-height: 1.25; letter-spacing: .01em;
  padding: 12px 22px; min-height: 48px; text-align: center;
  border-radius: var(--radius); border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: background-color .2s ease, color .2s ease, border-color .2s ease;
}
.btn .icon { width: 18px; height: 18px; }
.btn-lg { padding: 15px 26px; min-height: 54px; font-size: var(--fs-body); }
.btn-xl { padding: 18px 34px; min-height: 60px; font-size: 1.0625rem; }
.btn-primary { background: var(--brand-blue); color: var(--white); }
.btn-primary:hover { background: var(--brand-navy); }
.btn-outline { background: var(--white); color: var(--brand-blue); border-color: var(--brand-blue-50); }
.btn-outline:hover { border-color: var(--brand-blue); background: var(--brand-pale-1); }
.btn-light { background: var(--white); color: var(--brand-blue); }
.btn-light:hover { background: var(--brand-pale-1); }
/* Orange = the single emphasised CTA (CTA band). Navy text keeps ~5.8:1 contrast on orange. */
.btn-accent { background: var(--brand-orange); color: var(--brand-navy); }
.btn-accent:hover { background: var(--white); color: var(--brand-navy); }

.text-link {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px;
  font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small);
  color: var(--brand-blue); text-decoration: none;
}
.text-link span, .text-link { text-underline-offset: 5px; text-decoration-thickness: 1.5px; }
.text-link:hover { text-decoration: underline; }
.text-link .icon { width: 17px; height: 17px; }

/* ---------- Eyebrow + section heads ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-head); font-weight: 700; font-size: var(--fs-xs); letter-spacing: .02em;
  color: var(--brand-blue); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--brand-orange); } /* orange dot, from the logo */
.eyebrow-light { color: var(--white); }

.section { padding: var(--section-y) 0; }
.section-tint { background: var(--brand-pale-1); }
.section-head { max-width: 820px; margin-bottom: var(--head-gap); }
.section-sub { margin-top: 14px; font-size: var(--fs-lead); color: var(--muted); }
.section-foot { margin-top: var(--head-gap); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100; height: var(--header-h);
  background: var(--white); border-bottom: 1px solid transparent;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: var(--shadow); }
.header-inner { height: 100%; display: flex; align-items: center; gap: 24px; }
/* Logo clear space: 1X (orange-dot diameter) on every side, implemented as padding.
   The negative margin lines the visible logo up with the container edge. */
.brand { --clear: calc(var(--logo-h) * var(--logo-clear)); display: block; flex: none; padding: var(--clear); margin-left: calc(var(--clear) * -1); }
.brand-logo { height: var(--logo-h); width: auto; }

.main-nav { margin-left: auto; }
.main-nav ul { display: flex; align-items: center; gap: 2px; }
.main-nav a[data-nav] {
  position: relative; display: flex; align-items: center; min-height: 44px; padding: 8px 12px;
  font-family: var(--font-head); font-weight: 500; font-size: var(--fs-small); color: var(--ink);
  text-decoration: none; transition: color .2s ease;
}
.main-nav a[data-nav]:hover, .main-nav a[data-nav].is-active { color: var(--brand-blue); }
.main-nav a[data-nav].is-active { font-weight: 700; }
.main-nav a[data-nav].is-active::after {
  content: ""; position: absolute; left: 50%; bottom: 2px; width: 6px; height: 6px; margin-left: -3px; border-radius: 50%; background: var(--brand-orange);
}
.nav-cta-mobile, .main-nav .nav-contact-mobile { display: none; }
.header-cta { flex: none; }

.nav-toggle {
  display: none; margin-left: auto; width: 48px; height: 48px; align-items: center; justify-content: center;
  background: var(--white); color: var(--ink); border: 1px solid var(--line); border-radius: var(--radius); cursor: pointer;
}
.nav-toggle .icon { width: 22px; height: 22px; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

/* ---------- Hero ---------- */
.hero { padding: clamp(40px, 5.5vw, 80px) 0 var(--section-y); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr); gap: clamp(40px, 5vw, 72px); align-items: center; }
.hero h1 { font-size: var(--fs-h1); line-height: 1.05; letter-spacing: -.02em; }
.hero h1 .text-brand { display: block; color: var(--brand-blue); }
.hero-lead { margin-top: 24px; max-width: 580px; font-size: var(--fs-lead); line-height: 1.75; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

/* Brand panel: solid Royal Blue block; left edge slanted at the A's stroke angle (p06); tone-on-tone A watermark (p13) */
.hero-panel {
  --panel-h: 440px;
  position: relative; overflow: hidden; height: var(--panel-h);
  display: flex; flex-direction: column; justify-content: flex-end; align-items: flex-end;
  padding: 28px; text-align: right;
  background: var(--brand-blue); color: var(--white); border-radius: var(--radius);
  clip-path: polygon(calc(var(--panel-h) * var(--a-slant)) 0, 100% 0, 100% 100%, 0 100%);
}
.hero-watermark { position: absolute; left: 0; bottom: -12%; height: 80%; width: auto; max-width: none; opacity: .24; pointer-events: none; }
.diag-lines { position: absolute; top: 0; right: 0; width: 62%; height: auto; pointer-events: none; }
.diag-lines path { fill: var(--brand-blue-75); }
.hero-statement { position: relative; font-family: var(--font-head); font-weight: 700; font-size: clamp(1.625rem, 1rem + 1.2vw, 2.125rem); line-height: 1.12; color: var(--white); }
.hero-pillars { position: relative; margin-top: 18px; display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 8px; max-width: 320px; }
.hero-pillars li { font-size: 13px; font-weight: 500; line-height: 1; padding: 8px 12px; border: 1px solid var(--brand-blue-50); border-radius: var(--radius); }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(28px, 6vw, 88px); align-items: start; }
.about-head h2 { max-width: 480px; }
.about-body p { font-size: var(--fs-lead); }
.about-body p + p { margin-top: 18px; }
.about-body .statement {
  margin-top: 32px; padding: 6px 0 6px 22px; border-left: 4px solid var(--brand-orange);
  font-family: var(--font-head); font-weight: 700; font-size: clamp(1.125rem, 1rem + .5vw, 1.375rem); line-height: 1.4; letter-spacing: .01em; color: var(--brand-blue);
}
.about-body .text-link { margin-top: 24px; }

/* ---------- Services: equal-height cards, rows aligned with subgrid ---------- */
.services-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--gap); }
.service-card {
  display: grid; grid-template-rows: subgrid; grid-row: span 6; row-gap: 0;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px 28px 28px; transition: border-color .2s ease, box-shadow .2s ease;
}
.service-card:hover { border-color: var(--brand-blue-50); box-shadow: var(--shadow); }
.icon-box {
  display: inline-flex; align-items: center; justify-content: center;
  width: var(--icon-box); height: var(--icon-box); border-radius: var(--radius);
  background: var(--brand-pale-1); color: var(--brand-blue);
}
.icon-box .icon { width: var(--icon); height: var(--icon); }
.service-card .icon-box { margin-bottom: 22px; justify-self: start; }
.service-tagline { margin-top: 10px; font-family: var(--font-head); font-weight: 700; font-size: var(--fs-body); line-height: 1.45; color: var(--brand-blue); }
.service-desc { margin-top: 12px; font-size: var(--fs-small); color: var(--muted); line-height: 1.75; }
.check-list { margin: 20px 0 24px; padding-top: 20px; border-top: 1px solid var(--line); display: grid; gap: 8px; align-content: start; }
.check-list li { position: relative; padding-left: 26px; font-size: var(--fs-small); color: var(--ink); line-height: 1.5; }
.check-list li::before {
  content: ""; position: absolute; left: 2px; top: 6px; width: 12px; height: 7px;
  border-left: 2px solid var(--brand-blue); border-bottom: 2px solid var(--brand-blue); transform: rotate(-45deg);
}
.service-cta { align-self: end; justify-self: start; }

/* ---------- Insurance & risk management (continues the Services flow; same card language) ---------- */
.section-insurance { padding-top: 0; }
.ins-head { padding-top: var(--head-gap); border-top: 1px solid var(--line); }

/* Summary strip: five areas, each a jump link to its card */
.ins-strip { margin-top: var(--head-gap); }
.ins-strip ul { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); background: var(--brand-pale-2); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.ins-strip li + li { border-left: 1px solid var(--line); }
.ins-strip a { display: flex; flex-direction: column; gap: 6px; height: 100%; min-height: 44px; padding: 20px 22px; text-decoration: none; color: var(--ink); transition: background-color .2s ease; }
.ins-strip a:hover { background: var(--brand-pale-1); }
.ins-strip a:hover .ins-strip-name { color: var(--brand-blue); }
.ins-strip a:focus-visible { outline-offset: -3px; }
.ins-strip-label { font-family: var(--font-head); font-weight: 700; font-size: .75rem; line-height: 1.4; letter-spacing: .08em; text-transform: uppercase; color: var(--brand-blue); }
.ins-strip-name { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small); line-height: 1.35; color: var(--ink); transition: color .2s ease; }
.ins-strip a .icon { margin-top: auto; width: 17px; height: 17px; color: var(--brand-blue); }

/* Five numbered cards: 01 full width, 02–05 in a 2 × 2 grid; rows aligned with subgrid */
.ins-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--gap); margin-top: var(--gap); }
.ins-card { grid-row: span 5; }
.ins-card-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.ins-card .icon-box { margin-bottom: 0; }
.ins-num { font-family: var(--font-head); font-weight: 700; font-size: 1.25rem; line-height: 1; letter-spacing: .02em; color: var(--brand-blue-75); }
.ins-sublabel { margin-top: 8px; font-size: var(--fs-xs); font-weight: 500; line-height: 1.55; color: var(--ink); }
.ins-card .service-desc + .service-desc { margin-top: 10px; }
.ins-card-body { display: flex; flex-direction: column; }
.ins-card-body > :last-child { margin-bottom: 24px; }
.ins-highlight { display: grid; gap: 6px; margin-top: 18px; padding: 2px 0 2px 16px; border-left: 3px solid var(--brand-orange); }
.ins-highlight p { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small); line-height: 1.45; color: var(--brand-blue); }
.check-list + .ins-highlight { margin-top: 0; }
.ins-mini-label { margin-top: 18px; font-family: var(--font-head); font-weight: 700; font-size: .75rem; letter-spacing: .08em; text-transform: uppercase; color: var(--brand-blue); }
.ins-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.ins-chips li { padding: 5px 10px; font-size: var(--fs-xs); line-height: 1.4; color: var(--ink); background: var(--brand-pale-2); border: 1px solid var(--line); border-radius: var(--radius); }
.ins-note { margin-top: auto; padding-top: 16px; font-size: var(--fs-xs); line-height: 1.6; color: var(--muted); }

/* Ecosystem: five connected nodes on a pale band */
.ins-eco { margin-top: var(--head-gap); padding: clamp(32px, 4.5vw, 56px) clamp(24px, 4vw, 48px); background: var(--brand-pale-1); border-radius: var(--radius); text-align: center; }
.ins-eco-title { max-width: 900px; text-wrap: balance; margin: 0 auto; font-size: clamp(1.125rem, 1rem + .6vw, 1.5rem); line-height: 1.3; letter-spacing: .02em; }
.ins-eco-nodes { --node: 56px; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: var(--gap); margin-top: clamp(28px, 3.5vw, 44px); }
.ins-eco-nodes li { position: relative; display: flex; flex-direction: column; align-items: center; gap: 14px; }
.ins-eco-nodes li:not(:last-child)::after { /* connector to the next node */
  content: ""; position: absolute; top: calc(var(--node) / 2 - 1px); left: calc(50% + var(--node) / 2); width: calc(100% + var(--gap) - var(--node)); height: 2px; background: var(--brand-blue-50);
}
.eco-node { display: inline-flex; align-items: center; justify-content: center; flex: none; width: var(--node); height: var(--node); border-radius: 50%; background: var(--white); border: 2px solid var(--brand-blue); color: var(--brand-blue); }
.eco-node .icon { width: var(--icon); height: var(--icon); }
.eco-text { display: flex; flex-direction: column; gap: 4px; }
.eco-label { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-body); line-height: 1.35; color: var(--ink); }
.eco-group { font-size: var(--fs-small); line-height: 1.5; color: var(--muted); text-wrap: balance; }
.ins-eco-statement { max-width: 780px; margin: clamp(28px, 3.5vw, 40px) auto 0; padding-top: clamp(24px, 3vw, 32px); border-top: 1px solid var(--brand-blue-25); font-family: var(--font-head); font-weight: 700; font-size: var(--fs-lead); line-height: 1.5; color: var(--brand-blue); text-wrap: balance; }

.ins-disclaimer { display: flex; gap: 12px; align-items: flex-start; margin-top: 28px; padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--radius); font-size: var(--fs-xs); line-height: 1.65; color: var(--muted); }
.ins-disclaimer .icon { width: 18px; height: 18px; margin-top: 2px; color: var(--brand-blue); }

/* Desktop: card 01 runs full width with its list in a second column; long lists in two columns when cards are wide */
@media (min-width: 1024px) {
  .ins-card-wide { grid-column: 1 / -1; grid-row: auto; grid-template-rows: auto auto auto 1fr auto; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); column-gap: clamp(32px, 4vw, 56px); }
  .ins-card-wide > *, .ins-card-wide .service-desc { grid-column: 1; }
  .ins-card-wide .ins-card-body { display: contents; }
  .ins-card-wide .service-desc { margin-bottom: 24px; }
  .ins-card-wide .check-list { grid-column: 2; grid-row: 1 / 6; margin: 0; padding: 0 0 0 clamp(32px, 4vw, 56px); border-top: 0; border-left: 1px solid var(--line); align-content: center; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
}
@media (min-width: 1200px) {
  .ins-card .check-list { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
}

/* ---------- Why us (Royal Blue band) ---------- */
.section-brand { position: relative; overflow: hidden; background: var(--brand-blue); color: var(--white); }
.section-brand .container { position: relative; }
.section-brand h2, .section-brand h3 { color: var(--white); }
.section-brand .diag-lines { width: min(420px, 45%); }
.why-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); column-gap: clamp(32px, 4vw, 56px); row-gap: clamp(32px, 4vw, 48px); }
.why-item { padding-top: 24px; border-top: 1px solid var(--brand-blue-50); }
.why-item .icon { width: var(--icon); height: var(--icon); color: var(--white); margin-bottom: 16px; }
.why-item h3 { font-size: 1.3125rem; }
.why-item p { margin-top: 10px; font-size: var(--fs-body); line-height: 1.7; color: var(--brand-pale-1); max-width: 340px; } /* ~7.5:1 on Royal Blue */

/* ---------- How we work: progression line through the step markers ---------- */
.steps { --marker: 56px; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: var(--gap); position: relative; }
.steps::before { /* from the centre of marker 1 to the centre of marker 5 */
  content: ""; position: absolute; top: calc(var(--marker) / 2 - 1px); height: 2px; background: var(--brand-blue-25);
  left: calc(var(--marker) / 2);
  right: calc((100% - 4 * var(--gap)) / 5 - var(--marker) / 2);
}
.step { position: relative; }
.step-num {
  position: relative; z-index: 1; display: inline-flex; align-items: center; justify-content: center;
  width: var(--marker); height: var(--marker); border-radius: 50%;
  background: var(--white); border: 2px solid var(--brand-blue); color: var(--brand-blue);
  font-family: var(--font-head); font-weight: 700; font-size: 1.0625rem;
}
.step:last-child .step-num { background: var(--brand-blue); color: var(--white); }
.step h3 { margin-top: 20px; }
.step p { margin-top: 8px; font-size: var(--fs-small); color: var(--muted); max-width: 230px; }

/* ---------- Who we help ---------- */
.who-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--gap); }
.who-card {
  display: flex; flex-direction: column; gap: 12px;
  background: var(--brand-pale-2); border: 1px solid var(--line); border-top: 3px solid var(--brand-blue); border-radius: var(--radius);
  padding: 24px; transition: border-color .2s ease, box-shadow .2s ease;
}
.who-card:hover { box-shadow: var(--shadow); }
.who-card .icon-box { background: var(--brand-blue); color: var(--white); margin-bottom: 6px; }
.who-card h3 { font-size: 1.125rem; }
.who-card p { font-size: var(--fs-small); color: var(--muted); line-height: 1.7; }
.who-foot { margin-top: 32px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 32px; padding-top: 20px; border-top: 1px solid var(--line); }
.who-note { font-size: var(--fs-small); color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band { position: relative; overflow: hidden; background: var(--brand-blue); color: var(--white); padding: clamp(72px, 9vw, 120px) 0; }
.cta-watermark { position: absolute; right: 6%; top: -20%; height: 140%; width: auto; max-width: none; opacity: .2; pointer-events: none; }
.cta-inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 32px 56px; }
.cta-band h2 { color: var(--white); font-size: clamp(1.875rem, 1.2rem + 2.6vw, 3.125rem); line-height: 1.1; max-width: 760px; }
.cta-band p { margin-top: 16px; font-size: var(--fs-lead); color: var(--brand-pale-1); max-width: 640px; }
.cta-inner .btn { flex: none; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: var(--gap); align-items: start; }
.contact-form { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(24px, 3.5vw, 40px); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px 20px; }
.field { display: flex; flex-direction: column; min-width: 0; }
.field-full { grid-column: 1 / -1; }
.field label { font-weight: 500; font-size: var(--fs-xs); line-height: 1.4; color: var(--ink); margin-bottom: 8px; }
.req { color: var(--brand-orange); }
.field input, .field select, .field textarea {
  width: 100%; height: 50px; padding: 0 14px;
  font-size: 16px; /* 16px prevents iOS zoom-on-focus */
  color: var(--ink); background: var(--white);
  border: 1px solid var(--field-line); border-radius: var(--radius);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.field textarea { height: auto; min-height: 120px; padding: 12px 14px; resize: vertical; line-height: 1.6; }
.field select {
  appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23435971' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 16px;
}
.field ::placeholder { color: var(--brand-navy-50); opacity: 1; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--brand-navy-50); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand-blue); box-shadow: 0 0 0 3px var(--brand-blue-25); }
.field [aria-invalid="true"] { border-color: var(--brand-orange); box-shadow: 0 0 0 3px var(--brand-orange-25); }
.field-error { display: flex; align-items: center; gap: 8px; font-size: var(--fs-xs); font-weight: 500; line-height: 1.4; color: var(--ink); margin-top: 8px; }
.field-error::before { content: "!"; flex: none; display: inline-flex; align-items: center; justify-content: center; width: 16px; height: 16px; border-radius: 50%; background: var(--brand-orange); color: var(--brand-navy); font-size: 11px; font-weight: 700; }
.field-error:empty { display: none; }
.field select.is-preselected { border-color: var(--brand-blue); box-shadow: 0 0 0 3px var(--brand-blue-25); }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 20px; margin-top: 28px; }
.form-note { font-size: var(--fs-xs); color: var(--muted); }
.form-status { margin-top: 20px; }
.form-status:empty { display: none; }
.form-status.is-success, .form-status.is-error { padding: 16px 18px; border-radius: var(--radius); font-size: var(--fs-small); line-height: 1.6; color: var(--ink); }
.form-status.is-success { background: var(--brand-pale-1); border: 1px solid var(--brand-blue-25); border-left: 4px solid var(--brand-blue); }
.form-status.is-error { background: var(--brand-orange-25); border: 1px solid var(--brand-orange-50); border-left: 4px solid var(--brand-orange); }
.form-status:focus { outline: none; }
.contact-form button[disabled] { opacity: .7; cursor: progress; }

.contact-card { background: var(--brand-blue); color: var(--white); border-radius: var(--radius); padding: clamp(28px, 3.5vw, 40px); }
.contact-card-name { font-family: var(--font-head); font-weight: 700; font-size: 1.375rem; line-height: 1.3; }
.contact-card-tag { margin-top: 6px; font-size: var(--fs-small); color: var(--brand-pale-1); }
.contact-list { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--brand-blue-50); display: grid; gap: 20px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; font-size: var(--fs-small); }
.contact-list .icon { margin-top: 3px; color: var(--white); }
.contact-list strong { display: block; font-family: var(--font-head); font-weight: 700; font-size: 13px; letter-spacing: .02em; color: var(--brand-blue-25); }
.contact-list a, .footer-contact a { color: var(--white); text-decoration: underline; text-decoration-color: var(--brand-blue-50); text-underline-offset: 4px; word-break: break-word; }
/* Unfilled contact values (see config.js): deliberately conspicuous */
.placeholder { display: inline-block; margin-top: 2px; padding: 1px 8px; border-radius: var(--radius); border: 1px dashed var(--brand-orange); color: var(--white); font-weight: 500; font-size: var(--fs-xs); line-height: 1.6; }

/* ---------- Footer (navy, reversed logo) ---------- */
.site-footer { background: var(--brand-navy); color: var(--brand-navy-25); padding-top: clamp(48px, 6vw, 72px); font-size: var(--fs-small); }
.footer-top { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .8fr) minmax(0, 1.1fr); gap: 40px; padding-bottom: 44px; }
.footer-logo-wrap { --clear: calc(48px * var(--logo-clear)); display: inline-block; padding: var(--clear); margin: calc(var(--clear) * -1); margin-bottom: 12px; }
.footer-logo { height: 48px; width: auto; }
.footer-name { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small); letter-spacing: .06em; color: var(--white); }
.footer-tag { margin-top: 2px; }
.footer-heading { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-xs); letter-spacing: .02em; color: var(--white); margin-bottom: 14px; }
.footer-nav ul { display: grid; gap: 4px; }
.footer-nav a { display: inline-block; padding: 4px 0; text-decoration: none; color: var(--brand-navy-25); }
.footer-nav a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 4px; }
.footer-contact ul { display: grid; gap: 12px; }
.footer-contact li { display: flex; gap: 12px; align-items: flex-start; }
.footer-contact .icon { width: 18px; height: 18px; margin-top: 4px; color: var(--brand-blue-50); }
.socials { display: flex; gap: 10px; margin-top: 24px; }
.social { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border: 1px solid var(--brand-navy-75); border-radius: var(--radius); color: var(--brand-navy-25); }
a.social:hover { color: var(--white); border-color: var(--brand-navy-25); }
.social .icon { width: 18px; height: 18px; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; padding: 22px 0 26px; border-top: 1px solid var(--brand-navy-75); font-size: var(--fs-xs); }
.footer-bottom a { color: var(--brand-navy-25); text-decoration: none; }
.footer-bottom a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 4px; }
.legal span { margin: 0 8px; }

/* ---------- Reveal (subtle fade only) ---------- */
.js .reveal { opacity: 0; transition: opacity .7s ease; }
.js .reveal.is-visible { opacity: 1; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transition: none; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

/* =====================================================================
   RESPONSIVE
   ===================================================================== */

/* Small laptop / tablet landscape (1024–1199): full nav, compact header CTA */
@media (max-width: 1199px) {
  .header-inner { gap: 16px; }
  .main-nav a[data-nav] { padding: 8px 8px; font-size: var(--fs-xs); }
  .header-cta { font-size: var(--fs-xs); padding: 10px 14px; min-height: 44px; }
  .hero-grid { grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 40px; }
  .hero-panel { --panel-h: 400px; }
  .btn-row { gap: 12px; }
  .btn-row .btn-lg { padding: 14px 20px; font-size: var(--fs-small); }
  .services-grid, .why-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .who-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* Tablet portrait & below (< 1024): hamburger navigation */
@media (max-width: 1023px) {
  :root { --logo-h: 46px; --header-h: 78px; }
  .header-cta { display: none; }
  .nav-toggle { display: inline-flex; }
  .main-nav {
    position: fixed; left: 0; right: 0; top: var(--header-h); bottom: 0; margin: 0;
    padding: 8px var(--gutter) 32px; background: var(--white); border-top: 1px solid var(--line);
    overflow-y: auto; visibility: hidden; opacity: 0; transition: opacity .2s ease, visibility .2s;
  }
  .main-nav.is-open { visibility: visible; opacity: 1; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .main-nav a[data-nav] { padding: 15px 0; font-size: 1.125rem; border-bottom: 1px solid var(--line); }
  .main-nav a[data-nav].is-active::after { left: auto; right: 4px; top: 50%; bottom: auto; margin: -3px 0 0; }
  .nav-cta-mobile { display: flex; width: 100%; margin-top: 28px; }
  .main-nav ul.nav-contact-mobile { display: grid; gap: 4px; margin-top: 20px; }
  .nav-contact-mobile li { display: flex; align-items: center; gap: 12px; color: var(--ink); }
  .nav-contact-mobile .icon { color: var(--brand-blue); }
  .main-nav .nav-contact-mobile a { display: inline-flex; align-items: center; min-height: 44px; padding: 0; font-family: var(--font-body); font-size: var(--fs-body); font-weight: 500; color: var(--ink); text-decoration: none; word-break: break-word; }
  .main-nav .nav-contact-mobile a:hover { color: var(--brand-blue); }
  .nav-contact-mobile .placeholder { color: var(--ink); }
  body.nav-open { overflow: hidden; }

  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-copy { max-width: 680px; }
  .hero-panel { --panel-h: 280px; }
  .hero-watermark { height: 125%; bottom: -30%; }
  .about-grid { grid-template-columns: 1fr; gap: 20px; }
  .about-head h2 { max-width: 640px; }
  .contact-grid { grid-template-columns: 1fr; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
  .cta-watermark { right: -8%; }
  .footer-top { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
  .contact-list { grid-template-columns: minmax(0, 1fr) minmax(0, 1.35fr); gap: 20px 24px; }

  .ins-grid { grid-template-columns: 1fr; }
  .ins-card { grid-row: auto; display: flex; flex-direction: column; }
  .ins-card .service-cta { margin-top: auto; align-self: flex-start; }
  .ins-card .check-list { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
  .ins-strip ul { grid-template-columns: 1fr; }
  .ins-strip li + li { border-left: 0; border-top: 1px solid var(--line); }
  .ins-strip a { display: grid; grid-template-columns: 9.5rem minmax(0, 1fr) auto; align-items: center; gap: 4px 16px; padding: 14px 20px; }
  .ins-strip a .icon { margin-top: 0; }
  .ins-eco { text-align: left; }
  .ins-eco-title { margin: 0; }
  .ins-eco-nodes { grid-template-columns: 1fr; gap: 0; }
  .ins-eco-nodes li { flex-direction: row; align-items: flex-start; gap: 18px; padding-bottom: 22px; }
  .ins-eco-nodes li:last-child { padding-bottom: 0; }
  .ins-eco-nodes li:not(:last-child)::after { top: var(--node); bottom: 0; left: calc(var(--node) / 2 - 1px); width: 2px; height: auto; }
  .eco-text { padding-top: 6px; }
  .ins-eco-statement { margin-left: 0; }

  .steps { grid-template-columns: 1fr; gap: 0; }
  .steps::before { top: calc(var(--marker) / 2); bottom: calc(var(--marker) / 2); left: calc(var(--marker) / 2 - 1px); right: auto; width: 2px; height: auto; }
  .step { display: grid; grid-template-columns: var(--marker) 1fr; column-gap: 20px; padding-bottom: 28px; }
  .step:last-child { padding-bottom: 0; }
  .step-num { grid-row: 1 / span 2; }
  .step h3 { margin-top: 13px; }
  .step p { max-width: 520px; }
}

/* Mobile (≤ 640) */
@media (max-width: 640px) {
  :root { --gutter: 20px; --gap: 16px; --header-h: 72px; --logo-h: 40px; --section-y: 64px; --head-gap: 32px; }
  .services-grid, .who-grid, .why-grid { grid-template-columns: 1fr; }
  .service-card { grid-row: auto; display: flex; flex-direction: column; padding: 28px 22px 24px; }
  .service-cta { margin-top: auto; align-self: flex-start; }
  .ins-card .check-list { grid-template-columns: 1fr; }
  .ins-strip a { grid-template-columns: minmax(0, 1fr) auto; gap: 2px 16px; padding: 14px 18px; }
  .ins-strip-label, .ins-strip-name { grid-column: 1; }
  .ins-strip a .icon { grid-column: 2; grid-row: 1 / span 2; }
  .ins-eco { padding: 28px 20px; }
  .ins-disclaimer { padding: 16px; }
  .form-grid { grid-template-columns: 1fr; gap: 18px; }
  .btn-row { flex-direction: column; gap: 12px; margin-top: 28px; }
  .btn-row .btn, .form-actions .btn, .cta-inner .btn { width: 100%; }
  .btn-lg, .btn-xl { padding-left: 20px; padding-right: 20px; }
  .hero-lead { margin-top: 20px; }
  .hero-panel { --panel-h: 230px; padding: 22px; }
  .hero-statement { font-size: 1.625rem; }
  .hero-pillars { margin-top: 14px; gap: 6px; }
  .hero-pillars li { font-size: 12px; padding: 7px 10px; }
  .why-grid { row-gap: 28px; }
  .who-foot { flex-direction: column; align-items: flex-start; }
  .form-actions { margin-top: 24px; }
  .contact-list { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; }
}

/* Narrow phones (≤ 374, e.g. 360px): keep the full CTA wording on one line */
@media (max-width: 374px) {
  .contact-card { padding: 24px; }
  .contact-list li { font-size: var(--fs-xs); }
  .btn-lg, .btn-xl { font-size: var(--fs-small); padding-left: 14px; padding-right: 14px; }
  .btn-row .btn .icon, .nav-cta-mobile .icon { display: none; }
  .hero-pillars li { font-size: 11.5px; padding: 6px 8px; }
}

/* =====================================================================
   ADDITIONS 2026-10-19: service-card "Learn more" links, contact-form
   consent line, 4-column footer, and inner pages (service pages and
   Privacy Policy). Brand palette variables only; no new colours.
   ===================================================================== */

/* Service cards: existing CTA + "Learn more" link share the last grid row */
.service-links { align-self: end; justify-self: start; display: flex; flex-direction: column; align-items: flex-start; }
.service-links .service-cta { align-self: auto; justify-self: auto; }
.learn-link { font-weight: 500; text-decoration: underline; text-decoration-color: var(--brand-blue-50); }
.learn-link:hover { text-decoration-color: currentColor; }

/* Contact form consent line (under the submit button) */
.form-consent { margin-top: 16px; font-size: var(--fs-xs); line-height: 1.6; color: var(--muted); }
.form-consent a { color: var(--brand-blue); text-decoration: underline; text-underline-offset: 3px; }

/* Footer: Explore + Services + Contact columns */
.footer-services a { padding: 3px 0; line-height: 1.5; }
@media (min-width: 1024px) {
  .footer-top { grid-template-columns: minmax(0, 1.2fr) minmax(0, .65fr) minmax(0, 1.05fr) minmax(0, 1.15fr); gap: 32px; }
}

/* ---------- Inner pages: hero + breadcrumb ---------- */
.page-hero { background: var(--brand-pale-1); padding: clamp(28px, 4vw, 48px) 0 clamp(48px, 6vw, 80px); }
.breadcrumb { margin-bottom: clamp(24px, 3vw, 40px); }
.breadcrumb ol { display: flex; flex-wrap: wrap; align-items: center; gap: 2px 0; font-size: var(--fs-xs); line-height: 1.5; color: var(--muted); }
.breadcrumb li + li::before { content: "/"; margin: 0 10px; color: var(--brand-navy-50); }
.breadcrumb a { display: inline-block; padding: 10px 0; color: var(--brand-blue); text-decoration: underline; text-decoration-color: var(--brand-blue-50); text-underline-offset: 3px; }
.breadcrumb a:hover { text-decoration-color: currentColor; }
.breadcrumb [aria-current="page"] { color: var(--ink); font-weight: 500; }
.page-hero h1 { max-width: 920px; font-size: clamp(2rem, 1.25rem + 2.8vw, 3.25rem); line-height: 1.1; letter-spacing: -.015em; text-wrap: balance; }
.page-tagline { margin-top: 18px; font-family: var(--font-head); font-weight: 700; font-size: var(--fs-lead); line-height: 1.45; color: var(--brand-blue); }
.page-lead { margin-top: 14px; max-width: 760px; font-size: var(--fs-lead); line-height: 1.75; }
.page-meta { display: flex; flex-wrap: wrap; gap: 6px 28px; margin-top: 22px; font-size: var(--fs-xs); color: var(--muted); }
.page-meta strong { color: var(--ink); font-weight: 500; }

/* ---------- Inner pages: content + side column ---------- */
.page-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 360px); gap: clamp(32px, 5vw, 72px); align-items: start; }
.page-grid-toc { grid-template-columns: minmax(0, 290px) minmax(0, 1fr); }
.page-aside { position: sticky; top: calc(var(--header-h) + 24px); }
.aside-cta { width: 100%; margin-top: 28px; }

.prose { max-width: 780px; min-width: 0; }
.prose h2 { margin: 52px 0 16px; font-size: clamp(1.375rem, 1.1rem + 1vw, 1.875rem); line-height: 1.25; scroll-margin-top: calc(var(--header-h) + 16px); }
.prose > h2:first-child, .prose > .policy-section:first-of-type h2 { margin-top: 0; }
.prose h3 { margin: 28px 0 10px; font-size: 1.125rem; }
.prose p { margin: 0 0 16px; }
.prose a:not(.btn) { color: var(--brand-blue); text-decoration: underline; text-decoration-color: var(--brand-blue-50); text-underline-offset: 3px; word-break: break-word; }
.prose a:not(.btn):hover { text-decoration-color: currentColor; }
.prose strong { color: var(--ink); font-weight: 500; }
.prose .check-list { margin: 8px 0 20px; }
.check-list.cols-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
.feature-list { gap: 14px; }
.feature-list li strong { display: block; font-family: var(--font-head); font-weight: 700; font-size: var(--fs-body); color: var(--ink); }
.feature-list li span { display: block; margin-top: 2px; color: var(--muted); line-height: 1.65; }
.bullet-list { display: grid; gap: 8px; margin: 4px 0 20px; }
.bullet-list li { position: relative; padding-left: 22px; line-height: 1.65; }
.bullet-list li::before { content: ""; position: absolute; left: 4px; top: .7em; width: 7px; height: 7px; border-radius: 50%; background: var(--brand-blue); }
.prose .ins-disclaimer { margin: 28px 0 0; }

/* Related services */
.related-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--gap); }
.related-card { display: flex; align-items: flex-start; gap: 16px; height: 100%; padding: 22px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: border-color .2s ease, box-shadow .2s ease; }
.related-card:hover { border-color: var(--brand-blue-50); box-shadow: var(--shadow); }
.related-card .icon-box { flex: none; }
.related-text { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.related-name { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-body); line-height: 1.35; color: var(--ink); }
.related-card:hover .related-name { color: var(--brand-blue); }
.related-tag { font-size: var(--fs-xs); line-height: 1.55; color: var(--muted); }
.related-arrow { margin-left: auto; margin-top: 2px; width: 18px; height: 18px; color: var(--brand-blue); }
.section-sub .inline-link { color: var(--brand-blue); text-decoration: underline; text-decoration-color: var(--brand-blue-50); text-underline-offset: 3px; }

/* FAQ (native details/summary: works without JavaScript) */
.faq-list { display: grid; gap: 12px; max-width: 900px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.faq-item[open] { border-color: var(--brand-blue-50); }
.faq-item summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 44px; padding: 18px 22px; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; flex: none; font-family: var(--font-head); font-weight: 700; font-size: 1.5rem; line-height: 1; color: var(--brand-blue); }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item summary h3 { font-size: 1.0625rem; line-height: 1.45; }
.faq-item summary:focus-visible { outline-offset: -3px; border-radius: var(--radius); }
.faq-answer { padding: 0 22px 20px; }
.faq-answer p { font-size: var(--fs-small); line-height: 1.75; }
.faq-answer a { color: var(--brand-blue); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- Privacy Policy ---------- */
.toc { max-height: calc(100vh - var(--header-h) - 48px); overflow-y: auto; padding: 22px 20px; background: var(--brand-pale-2); border: 1px solid var(--line); border-radius: var(--radius); }
.toc-title { margin-bottom: 10px; font-family: var(--font-head); font-weight: 700; font-size: var(--fs-small); color: var(--ink); }
.toc ol { display: grid; gap: 0; }
.toc a { display: flex; gap: 6px; padding: 6px 0; font-size: var(--fs-xs); line-height: 1.45; color: var(--brand-navy-75); text-decoration: none; }
.toc a:hover { color: var(--brand-blue); text-decoration: underline; text-underline-offset: 3px; }
.toc-num { flex: none; min-width: 1.6em; color: var(--brand-blue); font-weight: 500; }
.policy-intro { font-size: var(--fs-lead); }
.policy-section { padding-top: 4px; }
.policy-section h2 { scroll-margin-top: calc(var(--header-h) + 16px); }
.policy-section:target h2, .policy-section h2:target { color: var(--brand-blue); }
.policy-num { color: var(--brand-blue); }
.policy-end { margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--line); font-size: var(--fs-xs); color: var(--muted); }
.table-wrap { overflow-x: auto; margin: 8px 0 20px; border: 1px solid var(--line); border-radius: var(--radius); }
.data-table { width: 100%; border-collapse: collapse; font-size: var(--fs-small); }
.data-table caption { padding: 12px 16px; text-align: left; font-family: var(--font-head); font-weight: 700; color: var(--ink); background: var(--brand-pale-2); border-bottom: 1px solid var(--line); }
.data-table th, .data-table td { padding: 10px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.data-table th { font-family: var(--font-head); font-weight: 700; color: var(--ink); background: var(--brand-pale-1); }
.data-table tr:last-child td { border-bottom: 0; }
.data-table td + td { white-space: nowrap; }
.grievance-card { display: grid; gap: 6px; margin: 8px 0 20px; padding: 22px 24px; background: var(--brand-pale-1); border-left: 4px solid var(--brand-blue); border-radius: var(--radius); }
.grievance-card p { margin: 0; }

/* ---------- Inner pages: responsive ---------- */
@media (max-width: 1199px) {
  .related-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 1023px) {
  .page-grid, .page-grid-toc { grid-template-columns: 1fr; }
  .page-aside { position: static; }
  .toc { max-height: none; }
  .ins-card .service-links { margin-top: auto; align-self: flex-start; }
}
@media (max-width: 640px) {
  .service-card .service-links { margin-top: auto; align-self: flex-start; }
  .check-list.cols-2 { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .faq-item summary { padding: 16px 18px; }
  .faq-answer { padding: 0 18px 18px; }
  .grievance-card { padding: 18px; }
  .data-table th, .data-table td { padding: 10px 12px; }
}
@media (min-width: 641px) and (max-width: 1023px) {
  .footer-top { grid-template-columns: minmax(0, .7fr) minmax(0, 1.15fr) minmax(0, 1.15fr); gap: 32px 28px; }
}