/* ============================================
   LIFE HUB CORP — 2026 Design System
   Premium Matte + Glassmorphism + Trust
   ============================================ */

/* ---------- Reset & Base ---------- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* Core palette */
  --navy: #0a1628;
  --navy-mid: #111d32;
  --navy-light: #1b2a4a;
  --navy-surface: #162238;
  --accent: #c9a84c;
  --accent-light: #e8d49c;
  --accent-glow: rgba(201, 168, 76, 0.18);
  --icon-gold: #e8d49c;
  --icon-cyan: #88d8ea;
  --icon-green: #93d9a7;
  --icon-orange: #efba88;
  --icon-blue: #a7c0f6;
  --white: #f4f4f5;
  --text: #e2e4e9;
  --text-muted: #8892a4;
  --text-dim: #5a6478;
  --danger: #e74c3c;
  --success: #27ae60;

  /* Glass */
  --glass-bg: rgba(255, 255, 255, 0.03);
  --glass-bg-hover: rgba(255, 255, 255, 0.06);
  --glass-border: rgba(255, 255, 255, 0.07);
  --glass-border-h: rgba(255, 255, 255, 0.14);
  --glass-blur: 14px;

  /* Matte card */
  --card-bg: #0f1a2e;
  --card-bg-hover: #132139;
  --card-border: rgba(255, 255, 255, 0.06);
  --card-shadow: 0 10px 24px rgba(0, 0, 0, 0.26);

  /* Spacing scale (8px base) */
  --sp-1: 0.5rem;
  --sp-2: 1rem;
  --sp-3: 1.5rem;
  --sp-4: 2rem;
  --sp-5: 2.5rem;
  --sp-6: 3rem;
  --sp-8: 4rem;
  --sp-10: 5rem;
  --sp-12: 6rem;
  --sp-16: 8rem;
  --sp-20: 10rem;

  /* Radius */
  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-full: 9999px;

  /* Transition */
  --ease: cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --dur: 0.35s;

  /* Layout */
  --max-w: 1240px;
  --nav-h: 80px;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  background: var(--navy);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}
main {
  display: block;
}

img {
  max-width: 100%;
  display: block;
}
a {
  color: var(--accent);
  text-decoration: none;
  transition: color var(--dur) var(--ease);
}
a:hover {
  color: var(--accent-light);
}

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

.skip-link {
  position: fixed;
  top: -56px;
  left: var(--sp-2);
  background: var(--accent);
  color: var(--navy);
  border-radius: var(--r-sm);
  padding: 0.55rem 0.9rem;
  font-size: 0.82rem;
  font-weight: 700;
  z-index: 1200;
  transition: top var(--dur) var(--ease);
}
.skip-link:focus-visible {
  top: var(--sp-2);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* ---------- Typography ---------- */
h1,
h2,
h3,
h4,
h5 {
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  color: var(--white);
  line-height: 1.25;
  letter-spacing: -0.01em;
}
h1 {
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  font-weight: 700;
}
h2 {
  font-size: clamp(1.9rem, 3.5vw, 2.8rem);
  font-weight: 700;
}
h3 {
  font-size: clamp(1.3rem, 2.5vw, 1.7rem);
  font-weight: 600;
}
h4 {
  font-size: 1.15rem;
  font-weight: 600;
}

.section-label {
  font-family: "Manrope", sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: var(--sp-2);
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
}
.section-label::before {
  content: "";
  width: 28px;
  height: 2px;
  background: var(--accent);
  display: inline-block;
}

.section-subtitle {
  color: var(--text-muted);
  font-size: 1.1rem;
  max-width: 640px;
  line-height: 1.75;
}

/* ---------- Container ---------- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--sp-4);
}

/* ---------- Navigation ---------- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--nav-h);
  z-index: 1000;
  transition:
    background var(--dur) var(--ease),
    box-shadow var(--dur) var(--ease);
}
.nav.scrolled {
  background: rgba(10, 22, 40, 0.85);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  box-shadow:
    0 1px 0 var(--glass-border),
    0 8px 32px rgba(0, 0, 0, 0.25);
}
.nav__inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--sp-4);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--white);
  line-height: 1;
}
.nav__logo--header {
  gap: 0.7rem;
}
.nav__logo-head {
  width: 77px;
  height: auto;
  display: block;
  flex: 0 0 auto;
}
.nav__logo-wordmark {
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: 0;
  color: var(--white);
}
.nav__logo-lockup {
  display: inline-flex;
  align-items: center;
}
.nav__logo-lockup img {
  display: block;
  width: 100%;
  height: auto;
}
.nav__logo--header .nav__logo-lockup {
  width: min(220px, 42vw);
}
.nav__logo--footer .nav__logo-lockup {
  width: min(260px, 72vw);
}
.nav__logo-icon.nav__logo-icon--mobile {
  display: none;
}
.nav__logo-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--navy);
  font-weight: 800;
}
/* TODO: Replace raster lockup with official SVG source when available. */
.nav__links {
  display: flex;
  align-items: center;
  gap: var(--sp-1);
  list-style: none;
}
.nav__links a,
.nav__dropdown-trigger {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-muted);
  padding: 0.45rem 0.85rem;
  border-radius: var(--r-sm);
  transition:
    color var(--dur) var(--ease),
    background var(--dur) var(--ease);
  white-space: nowrap;
}
.nav__dropdown-trigger {
  border: 0;
  background: transparent;
  font-family: "Manrope", sans-serif;
  line-height: 1.4;
}
.nav__links a:hover,
.nav__links a.active,
.nav__dropdown-trigger:hover,
.nav__dropdown-trigger.active,
.nav__dropdown.open .nav__dropdown-trigger {
  color: var(--white);
  background: var(--glass-bg-hover);
}

/* Dropdown */
.nav__dropdown {
  position: relative;
}
.nav__dropdown-trigger {
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 0.45rem;
}
.nav__caret {
  width: 0.72rem;
  height: 0.48rem;
  flex: 0 0 auto;
  opacity: 0.78;
  transition:
    transform var(--dur) var(--ease),
    opacity var(--dur) var(--ease);
}
.nav__caret path {
  stroke: currentColor;
  stroke-width: 1.8;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.nav__dropdown:hover .nav__caret,
.nav__dropdown.open .nav__caret,
.nav__dropdown:focus-within .nav__caret {
  opacity: 1;
  transform: rotate(180deg);
}
.nav__dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  opacity: 0;
  visibility: hidden;
  background: var(--navy-mid);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-md);
  padding: var(--sp-1);
  min-width: 240px;
  box-shadow: var(--card-shadow);
  backdrop-filter: blur(var(--glass-blur));
  transition:
    opacity var(--dur) var(--ease),
    transform var(--dur) var(--ease),
    visibility var(--dur);
  list-style: none;
}
.nav__dropdown:hover .nav__dropdown-menu,
.nav__dropdown.open .nav__dropdown-menu,
.nav__dropdown:focus-within .nav__dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav__dropdown-menu a {
  display: block;
  padding: 0.55rem 1rem;
  border-radius: var(--r-sm);
  font-size: 0.85rem;
  color: var(--text-muted);
}
.nav__dropdown-menu a:hover {
  background: var(--glass-bg-hover);
  color: var(--white);
}

/* Nav CTA */
.nav__cta {
  background: linear-gradient(135deg, var(--accent), #d4b85a);
  color: var(--navy) !important;
  font-weight: 700 !important;
  padding: 0.55rem 1.3rem !important;
  border-radius: var(--r-full) !important;
  font-size: 0.85rem !important;
  transition:
    transform var(--dur) var(--ease),
    box-shadow var(--dur) var(--ease) !important;
}
.nav__cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 20px var(--accent-glow);
  background: linear-gradient(135deg, var(--accent), #d4b85a) !important;
  color: var(--navy) !important;
}

/* Mobile menu toggle */
.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav__toggle span {
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition:
    transform var(--dur) var(--ease),
    opacity var(--dur) var(--ease);
}
.nav__toggle.open span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav__toggle.open span:nth-child(2) {
  opacity: 0;
}
.nav__toggle.open span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: calc(var(--nav-h) + var(--sp-8)) 0 var(--sp-12);
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero__bg-gradient {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 80% 60% at 20% 50%,
      rgba(27, 42, 74, 0.9) 0%,
      transparent 70%
    ),
    radial-gradient(
      ellipse 60% 50% at 80% 30%,
      rgba(201, 168, 76, 0.08) 0%,
      transparent 60%
    ),
    radial-gradient(
      ellipse 90% 80% at 50% 100%,
      rgba(10, 22, 40, 0.97) 0%,
      transparent 50%
    ),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 100%);
}
.hero__bg-image {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 30%;
  opacity: 0.24;
  filter: saturate(0.58);
}
.hero__bg-noise {
  position: absolute;
  inset: 0;
  opacity: 0.03;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='1'/%3E%3C/svg%3E");
  background-size: 200px;
}
/* Animated gradient orbs */
.hero__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(92px);
  opacity: 0.26;
  animation: float 24s ease-in-out infinite;
}
.hero__orb--1 {
  width: 500px;
  height: 500px;
  background: radial-gradient(
    circle,
    rgba(201, 168, 76, 0.15) 0%,
    transparent 70%
  );
  top: 10%;
  right: 10%;
  animation-delay: 0s;
}
.hero__orb--2 {
  width: 400px;
  height: 400px;
  background: radial-gradient(
    circle,
    rgba(27, 58, 92, 0.3) 0%,
    transparent 70%
  );
  bottom: 10%;
  left: 5%;
  animation-delay: -7s;
}
.hero__orb--3 {
  width: 300px;
  height: 300px;
  background: radial-gradient(
    circle,
    rgba(201, 168, 76, 0.08) 0%,
    transparent 70%
  );
  top: 60%;
  right: 30%;
  animation-delay: -14s;
}

@keyframes float {
  0%,
  100% {
    transform: translate(0, 0) scale(1);
  }
  25% {
    transform: translate(30px, -40px) scale(1.05);
  }
  50% {
    transform: translate(-20px, 20px) scale(0.95);
  }
  75% {
    transform: translate(15px, 30px) scale(1.02);
  }
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-full);
  padding: 0.4rem 1rem;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--sp-4);
  backdrop-filter: blur(8px);
}
.hero__badge-dot {
  width: 6px;
  height: 6px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse-dot 2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }
  50% {
    opacity: 0.4;
    transform: scale(0.8);
  }
}

.hero h1 {
  margin-bottom: var(--sp-3);
}
.hero h1 .accent {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero__text {
  font-size: 1.15rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: var(--sp-5);
  max-width: 540px;
}
.hero__actions {
  display: flex;
  gap: var(--sp-2);
  flex-wrap: wrap;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: "Manrope", sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  border-radius: var(--r-full);
  padding: 0.85rem 2rem;
  transition: all var(--dur) var(--ease);
  text-decoration: none;
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--accent), #d4b85a);
  color: var(--navy);
  box-shadow: 0 4px 14px var(--accent-glow);
}
.btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(201, 168, 76, 0.24);
  color: var(--navy);
}
.btn--outline {
  background: transparent;
  color: var(--text);
  border: 1px solid var(--glass-border-h);
}
.btn--outline:hover {
  background: var(--glass-bg-hover);
  border-color: var(--accent);
  color: var(--accent);
  transform: translateY(-2px);
}
.btn--sm {
  padding: 0.6rem 1.4rem;
  font-size: 0.85rem;
}

/* ---------- Sections ---------- */
section {
  padding: var(--sp-12) 0;
  position: relative;
}
section + section {
  border-top: 1px solid rgba(255, 255, 255, 0.04);
}
[id] {
  scroll-margin-top: calc(var(--nav-h) + 18px);
}

/* ---------- Trust Bar ---------- */
.trust-bar {
  padding: var(--sp-8) 0;
  background: var(--navy-mid);
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
}
.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--sp-4);
  text-align: center;
}
.trust-bar__item {
  padding: var(--sp-3);
}
.trust-bar__number {
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 0.4rem;
}
.trust-bar__label {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 0.02em;
}

/* ---------- Matte Glass Card ---------- */
.card {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--r-lg);
  padding: var(--sp-5);
  position: relative;
  overflow: hidden;
  transition: all var(--dur) var(--ease);
}
.card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: var(--r-lg);
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.03) 0%,
    transparent 50%
  );
  pointer-events: none;
}
.card:hover {
  background: var(--card-bg-hover);
  border-color: var(--glass-border-h);
  transform: translateY(-3px);
  box-shadow:
    var(--card-shadow),
    0 0 0 1px rgba(201, 168, 76, 0.05);
}
.card__icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.07),
    rgba(255, 255, 255, 0.025)
  );
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--icon-gold);
  margin-bottom: var(--sp-3);
  transition: all var(--dur) var(--ease);
}
.card:hover .card__icon {
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.13),
    rgba(255, 255, 255, 0.04)
  );
  box-shadow: 0 0 20px rgba(255, 255, 255, 0.08);
}
.icon {
  width: 1.72rem;
  height: 1.72rem;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.1;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.icon * {
  vector-effect: non-scaling-stroke;
}
.icon--shield,
.icon--target,
.icon--lock,
.icon--clipboard,
.icon--chart,
.icon--clock {
  color: var(--icon-gold);
}
.icon--health,
.icon--heart,
.icon--pill,
.icon--tooth,
.icon--family {
  color: var(--icon-green);
}
.icon--plane,
.icon--bag,
.icon--package,
.icon--palm,
.icon--repeat,
.icon--globe,
.icon--pin,
.icon--map {
  color: var(--icon-cyan);
}
.icon--users,
.icon--handshake,
.icon--briefcase,
.icon--phone,
.icon--home {
  color: var(--icon-blue);
}
.icon--rocket,
.icon--bolt,
.icon--spark,
.icon--megaphone,
.icon--cog,
.icon--wrench,
.icon--alert {
  color: var(--icon-orange);
}
.card h3 {
  margin-bottom: var(--sp-1);
}
.card p {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: var(--sp-3);
}
.card__link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: gap var(--dur) var(--ease);
}
.card__link:hover {
  gap: 0.7rem;
}
.card__link::after {
  content: "→";
}

/* Service grid */
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-4);
  margin-top: var(--sp-6);
}

/* ---------- Application Steps ---------- */
.application-steps {
  background:
    radial-gradient(circle at 12% 8%, rgba(226, 235, 246, 0.09), transparent 42%),
    radial-gradient(circle at 88% 12%, rgba(184, 197, 216, 0.08), transparent 44%),
    var(--navy-mid);
}
.application-steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-4);
  margin-top: var(--sp-6);
}
.application-step-card {
  --step-accent: #8ca0bb;
  --step-accent-strong: #c7d5e6;
  background: var(--card-bg);
  border: 1px solid color-mix(in srgb, var(--step-accent) 45%, rgba(255, 255, 255, 0.08));
  border-radius: var(--r-lg);
  padding: var(--sp-5);
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.24);
}
.application-step-card--step1 {
  --step-accent: #63d0e6;
  --step-accent-strong: #d3f5ff;
}
.application-step-card--step2 {
  --step-accent: #e3b45f;
  --step-accent-strong: #ffe9bc;
}
.application-step-card--step3 {
  --step-accent: #b086e8;
  --step-accent-strong: #f0e6ff;
}
.application-step-card__badge {
  align-self: flex-start;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--step-accent-strong);
  background: color-mix(in srgb, var(--step-accent) 28%, rgba(8, 18, 34, 0.82));
  border: 1px solid color-mix(in srgb, var(--step-accent) 48%, rgba(255, 255, 255, 0.16));
  padding: 0.3rem 0.6rem;
  border-radius: 999px;
}
.application-step-card h3 {
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--step-accent-strong);
}
.application-step-card__title-icon {
  width: 2rem;
  height: 2rem;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: color-mix(in srgb, var(--step-accent) 24%, rgba(9, 22, 40, 0.82));
  border: 1px solid color-mix(in srgb, var(--step-accent) 50%, rgba(255, 255, 255, 0.12));
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.22);
}
.application-step-card__icon {
  width: 1rem;
  height: 1rem;
  fill: none;
  stroke: currentColor;
  color: var(--step-accent-strong);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.application-step-card p {
  color: var(--text-muted);
  margin: 0;
}
.application-step-card .btn {
  margin-top: auto;
  width: fit-content;
}
.benefit-calculator-embed {
  margin-top: var(--sp-6);
  border: 1px solid rgba(204, 215, 228, 0.28);
  border-radius: var(--r-lg);
  background:
    linear-gradient(150deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0.01)),
    rgba(10, 20, 36, 0.82);
  overflow: hidden;
}
.benefit-calculator-embed__head {
  padding: var(--sp-4) var(--sp-4) var(--sp-3);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.benefit-calculator-embed__head h3 {
  margin: 0 0 0.35rem;
}
.benefit-calculator-embed__head p {
  margin: 0;
  color: var(--text-muted);
}
.benefit-calculator-embed iframe {
  width: 100%;
  min-height: 1480px;
  border: 0;
  background: #0f1a2e;
}

/* ---------- Comparison Section ---------- */
.comparison {
  background: var(--navy-mid);
}
.comparison__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-4);
  margin-top: var(--sp-6);
  align-items: start;
}

/* Keep subpage cards from becoming skinny/tall inside reading-width containers */
.content-section .services__grid,
.content-section .comparison__grid,
.content-section .features__grid {
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
}
.comparison__card {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: all var(--dur) var(--ease);
}
.comparison__card:hover {
  border-color: var(--accent);
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.3);
}
.comparison__card-header {
  padding: var(--sp-3) var(--sp-3) var(--sp-2);
  border-bottom: 1px solid var(--card-border);
}
.comparison__card-tag {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent);
  margin-bottom: var(--sp-1);
}
.comparison__card-body {
  padding: var(--sp-3);
}
.comparison__card-body p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.6;
  margin-bottom: var(--sp-2);
}
.comparison__feature-list {
  list-style: none;
  margin-bottom: var(--sp-2);
  display: grid;
  grid-template-columns: 1fr 1fr;
  column-gap: 0.9rem;
}
.comparison__feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--text-muted);
  padding: 0.35rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.03);
}
.comparison__feature-list li::before {
  content: "✓";
  color: var(--accent);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.comparison__card.featured {
  border-color: var(--accent);
  box-shadow: 0 0 40px rgba(201, 168, 76, 0.08);
}
.comparison__card.featured .comparison__card-header {
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.08), transparent);
}

/* ---------- About Section ---------- */
.about__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-8);
  align-items: center;
  margin-top: var(--sp-6);
}
.about__text p {
  color: var(--text-muted);
  margin-bottom: var(--sp-3);
  font-size: 1rem;
  line-height: 1.8;
}
.about__text p strong {
  color: var(--white);
}
.about__image-wrap {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
}
.about__image-wrap img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  border-radius: var(--r-lg);
}
.about__image-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 1px solid var(--glass-border);
  border-radius: var(--r-lg);
  pointer-events: none;
}
.about__broker-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-md);
  padding: var(--sp-3);
  margin-top: var(--sp-4);
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: var(--sp-3);
  backdrop-filter: blur(12px);
}
.about__broker-headshot-wrap {
  display: flex;
}
.about__broker-headshot {
  width: 126px;
  height: auto;
  aspect-ratio: 1056 / 1452;
  object-fit: cover;
  object-position: center top;
  border-radius: 15px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  box-shadow:
    0 14px 28px rgba(0, 0, 0, 0.32),
    0 0 0 1px rgba(201, 168, 76, 0.2);
  display: block;
}
.about__broker-info {
  min-width: 0;
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.about__broker-signature-wrap {
  display: block;
  width: 100%;
  max-width: 430px;
}
.about__broker-signature {
  width: 100%;
  height: auto;
  display: block;
  filter:
    drop-shadow(0 2px 12px rgba(201, 168, 76, 0.18))
    saturate(1.04);
}
.about__broker-info .about__broker-title {
  display: block;
  width: 100%;
  text-align: center;
  margin-top: 0.45rem;
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  font-size: 0.84rem;
  font-weight: 700;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  line-height: 1;
  color: #dec27f;
  background: linear-gradient(
    180deg,
    #f8edc1 0%,
    #f0db9f 32%,
    #d4ad5b 58%,
    #aa7724 76%,
    #f3deab 100%
  );
  background-clip: text;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  text-shadow:
    0 1px 0 rgba(255, 255, 255, 0.22),
    0 2px 12px rgba(201, 168, 76, 0.28);
}

/* Legacy fallback styles retained for old cached markup */
.about__broker-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.1rem;
  flex-shrink: 0;
}
.about__broker-info h4 {
  font-family: "Manrope", sans-serif;
  font-size: 0.95rem;
  margin-bottom: 2px;
}
.about__broker-info span:not(.about__broker-title) {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ---------- Why Choose Us ---------- */
.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-4);
  margin-top: var(--sp-6);
}
.feature-item {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-lg);
  padding: var(--sp-5);
  backdrop-filter: blur(8px);
  transition: all var(--dur) var(--ease);
}
.feature-item:hover {
  background: var(--glass-bg-hover);
  border-color: var(--glass-border-h);
  transform: translateY(-3px);
}
.feature-item__icon {
  width: 2.25rem;
  height: 2.25rem;
  color: var(--accent-light);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--sp-2);
}
.feature-item h4 {
  margin-bottom: var(--sp-1);
  font-size: 1.05rem;
}
.feature-item p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(
    135deg,
    var(--navy-light) 0%,
    var(--navy-mid) 100%
  );
  border: 1px solid var(--glass-border);
  border-radius: var(--r-xl);
  padding: var(--sp-10) var(--sp-8);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    ellipse at center,
    rgba(201, 168, 76, 0.06) 0%,
    transparent 70%
  );
}
.cta-banner h2 {
  position: relative;
  margin-bottom: var(--sp-2);
}
.cta-banner p {
  position: relative;
  color: var(--text-muted);
  margin-bottom: var(--sp-5);
  font-size: 1.05rem;
}
.cta-banner .btn {
  position: relative;
}

/* ---------- Contact Preview ---------- */
.contact-section--with-bg {
  overflow: hidden;
  isolation: isolate;
}
.contact-section--with-bg::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background-image:
    radial-gradient(
      circle at 78% 20%,
      rgba(201, 168, 76, 0.17) 0%,
      rgba(201, 168, 76, 0) 45%
    ),
    linear-gradient(
      118deg,
      rgba(8, 15, 29, 0.93) 0%,
      rgba(8, 15, 29, 0.82) 54%,
      rgba(8, 15, 29, 0.9) 100%
    );
  background-repeat: no-repeat;
  background-position:
    center,
    center;
  background-size:
    auto,
    auto;
  opacity: 0.74;
  transform: scale(1.02);
}
.contact-section--with-bg .container {
  position: relative;
  z-index: 1;
}
.contact-preview__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-6);
  margin-top: var(--sp-4);
  align-items: start;
}
.contact-preview__info {
  background: linear-gradient(155deg, rgba(255, 255, 255, 0.06), rgba(255, 255, 255, 0.01));
  border: 1px solid rgba(198, 208, 222, 0.2);
  border-radius: var(--r-lg);
  padding: var(--sp-5);
  box-shadow: 0 18px 34px rgba(0, 0, 0, 0.26);
}
.contact-preview__grid > div > h2 {
  margin-bottom: var(--sp-4);
}
.contact-preview__lead {
  color: var(--text-muted);
  max-width: 56ch;
  margin-bottom: var(--sp-4);
}
.contact-info__item {
  display: flex;
  gap: var(--sp-2);
  margin-bottom: var(--sp-2);
  padding: 0.85rem 0.95rem;
  border-radius: var(--r-md);
  border: 1px solid rgba(190, 202, 218, 0.18);
  background: rgba(10, 21, 38, 0.66);
}
.contact-info__icon {
  width: 44px;
  height: 44px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--accent-light);
}
.contact-info__text h4 {
  font-family: "Manrope", sans-serif;
  font-size: 0.9rem;
  color: var(--white);
  margin-bottom: 2px;
}
.contact-info__text p {
  font-size: 0.85rem;
  color: var(--text-muted);
}
.contact-phone-link {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--accent);
}
.contact-phone-link:hover {
  color: var(--accent-light);
}

/* Contact form */
.contact-form {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--r-lg);
  padding: var(--sp-5);
}
.contact-form--matte {
  background: rgba(11, 22, 39, 0.94);
  border: 1px solid rgba(178, 190, 206, 0.2);
  box-shadow: 0 20px 38px rgba(0, 0, 0, 0.32);
}
.contact-section--with-bg .contact-info__icon,
.contact-section--with-bg .contact-form,
.contact-section--with-bg .u-card-compact {
  backdrop-filter: blur(2px);
}
.contact-section--with-bg .contact-form {
  background: rgba(15, 26, 46, 0.92);
}
.contact-section--with-bg .u-card-compact {
  background: rgba(15, 26, 46, 0.8);
}
.contact-preview__actions {
  margin-top: var(--sp-3);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-2);
}
[data-page="contact"] .contact-preview__info {
  background: rgba(11, 22, 39, 0.94);
  border: 1px solid rgba(178, 190, 206, 0.2);
  box-shadow: 0 20px 38px rgba(0, 0, 0, 0.32);
}
[data-page="contact"] .contact-info__item {
  padding: 0;
  margin-bottom: var(--sp-3);
  border: 0;
  background: transparent;
}
.contact-map-wrap {
  border: 1px solid rgba(176, 190, 209, 0.2);
  border-radius: var(--r-md);
  overflow: hidden;
}
#contact-form {
  padding: var(--sp-5);
}
#contact-form .form-subheading {
  margin-top: var(--sp-4);
}
#home-contact-form .form-group label {
  text-transform: none;
  letter-spacing: 0.01em;
  color: rgba(229, 236, 246, 0.9);
}
#home-contact-form .form-group input,
#home-contact-form .form-group textarea,
#home-contact-form .form-group select {
  background: rgba(9, 19, 34, 0.9);
  border: 1px solid rgba(171, 185, 204, 0.22);
}
.form-group {
  margin-bottom: var(--sp-3);
}
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  background: var(--navy-mid);
  border: 1px solid var(--glass-border);
  border-radius: var(--r-sm);
  padding: 0.8rem 1rem;
  font-family: "Manrope", sans-serif;
  font-size: 0.92rem;
  color: var(--text);
  transition:
    border-color var(--dur) var(--ease),
    box-shadow var(--dur) var(--ease);
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-glow);
}
.form-group textarea {
  resize: vertical;
  min-height: 120px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-3);
}
.form-heading {
  margin-bottom: var(--sp-1);
}
.form-subheading {
  margin-top: var(--sp-5);
  margin-bottom: var(--sp-3);
}
.form-meta {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-bottom: var(--sp-4);
}
.form-intro {
  text-align: center;
  margin-bottom: var(--sp-6);
}
.form-intro .section-subtitle {
  margin: 0 auto;
}
.form-disclaimer {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-dim);
  margin-top: var(--sp-3);
}
.form-status {
  margin-top: var(--sp-3);
  padding: 0.8rem 1rem;
  border-radius: var(--r-sm);
  border: 1px solid rgba(201, 168, 76, 0.35);
  background: rgba(201, 168, 76, 0.1);
  color: var(--accent-light);
  font-size: 0.86rem;
  line-height: 1.6;
}
.form-status[hidden] {
  display: none;
}
.u-btn-block {
  width: 100%;
  justify-content: center;
}
.u-file-input {
  padding: 0.6rem;
}

/* Utility layout classes for cleaned markup */
.u-bg-mid {
  background: var(--navy-mid);
}
.u-max-w-page {
  max-width: var(--max-w);
}
.u-max-w-form {
  max-width: 820px;
}
.u-text-center {
  text-align: center;
}
.u-section-head {
  max-width: 640px;
  margin: 0 auto var(--sp-6);
}
.u-mt-4 {
  margin-top: var(--sp-4);
}
.u-mt-8 {
  margin-top: var(--sp-8);
}
.u-h-full {
  height: 100%;
}
.u-card-compact {
  padding: 0;
  overflow: hidden;
}
.u-list-check {
  list-style: none;
  padding: 0;
}
.u-list-check li {
  padding: 0.4rem 0;
  color: var(--text-muted);
  font-size: 0.9rem;
  display: flex;
  gap: 0.55rem;
}
.u-list-check li::before {
  content: "✓";
  color: var(--accent);
  font-weight: 700;
}
.u-inline-flex {
  display: flex;
  gap: var(--sp-4);
  align-items: center;
  flex-wrap: wrap;
}
.u-flex-grow {
  flex: 1;
  min-width: 280px;
}
.u-no-mb {
  margin-bottom: 0 !important;
}
.u-narrow-copy {
  max-width: 820px;
}
.callout {
  margin: var(--sp-6) 0;
  border-left: 3px solid var(--accent);
}
.callout h3 {
  margin-bottom: var(--sp-2);
}
.callout p {
  margin-bottom: 0;
}
.callout__title {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.callout__title .feature-item__icon {
  width: 1.25rem;
  height: 1.25rem;
  margin-bottom: 0;
}
.map-embed {
  width: 100%;
  height: 220px;
  border: 0;
  filter: invert(0.9) hue-rotate(180deg) brightness(0.85) contrast(1.1);
}

/* ---------- Footer ---------- */
.footer {
  position: relative;
  overflow: hidden;
  padding: var(--sp-10) 0 var(--sp-4);
  background: rgba(10, 22, 40, 0.9);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border-top: 1px solid rgba(190, 205, 226, 0.2);
}
.footer::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(circle at 8% -20%, rgba(201, 168, 76, 0.18), transparent 46%),
    radial-gradient(circle at 88% 120%, rgba(177, 193, 214, 0.16), transparent 50%);
  opacity: 0.7;
}
.footer .container {
  position: relative;
  z-index: 1;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--sp-6);
  margin-bottom: var(--sp-8);
}
.footer__brand p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.7;
  margin-top: var(--sp-2);
  max-width: 300px;
}
.footer__col h4 {
  font-family: "Manrope", sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--text-muted);
  margin-bottom: var(--sp-3);
}
.footer__col ul {
  list-style: none;
}
.footer__col li {
  margin-bottom: var(--sp-1);
}
.footer__col a {
  font-size: 0.88rem;
  color: var(--text-muted);
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.5rem;
  margin-left: -0.5rem;
  border-radius: var(--r-sm);
  transition:
    color var(--dur) var(--ease),
    background var(--dur) var(--ease),
    padding-left var(--dur) var(--ease);
}
.footer__col a:hover {
  color: var(--white);
  background: var(--glass-bg-hover);
  padding-left: 4px;
}
.footer__bottom {
  padding-top: var(--sp-4);
  border-top: 1px solid rgba(255, 255, 255, 0.04);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: var(--text-dim);
}
.footer__bottom a {
  color: var(--text-dim);
}
.footer__bottom a:hover {
  color: var(--accent);
}
.footer__legal {
  display: flex;
  gap: var(--sp-3);
}

/* ---------- Page Header (subpages) ---------- */
.page-header {
  padding: calc(var(--nav-h) + var(--sp-8)) 0 var(--sp-8);
  background: var(--navy-mid);
  border-bottom: 1px solid var(--glass-border);
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    ellipse at 30% 50%,
    rgba(201, 168, 76, 0.04) 0%,
    transparent 60%
  );
  z-index: 1;
}
.page-header__bg-image {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.25;
  filter: saturate(0.6);
  z-index: 0;
}
.hero__bg-image--home {
  background-image: url("../images/n21.png?v=1");
}
.page-header__bg-image--term {
  background-image: url("../images/n21.png?v=1");
}
.page-header__bg-image--universal {
  background-image: url("../images/n21.png?v=1");
}
.page-header__bg-image--whole {
  background-image: url("../images/n21.png?v=1");
}
.page-header__bg-image--group {
  background-image: url("../images/header_group.png");
}
.page-header__bg-image--disability {
  background-image: url("../images/header_disability.png");
}
.page-header__bg-image--travel {
  background-image: url("../images/header_travel.png");
}
.page-header__bg-image--annuities {
  background-image: url("../images/header_annuities.png");
}
.page-header__bg-image--annuities-bc {
  background-image: url("../images/n22.png?v=1");
}
.page-header__bg-image--annuities-ab {
  background-image: url("../images/n22.png?v=1");
}
.page-header__bg-image--annuities-sk {
  background-image: url("../images/n22.png?v=1");
}
.page-header__bg-image--annuities-mb {
  background-image: url("../images/n22.png?v=1");
}
.page-header__bg-image--annuities-on {
  background-image: url("../images/n22.png?v=1");
}
.page-header__bg-image--get-started {
  background-image: url("../images/header_get_started.png");
}
.page-header__bg-image--contact {
  background-image: url("../images/contact.png");
  background-position: center 32%;
  opacity: 0.34;
  filter: saturate(0.96) brightness(0.9);
}
.page-header .container {
  position: relative;
  z-index: 2;
}
.page-header h1 {
  margin-bottom: var(--sp-2);
}
.page-header p {
  color: var(--text-muted);
  font-size: 1.1rem;
  max-width: 600px;
}
.breadcrumbs {
  font-size: 0.82rem;
  color: var(--text-dim);
  margin-bottom: var(--sp-3);
}
.breadcrumbs a {
  color: var(--text-dim);
}
.breadcrumbs a:hover {
  color: var(--accent);
}
.breadcrumbs span {
  margin: 0 0.4rem;
  opacity: 0.4;
}

/* ---------- Content (subpage body text) ---------- */
.content-section {
  padding: var(--sp-8) 0;
}
.content-section .container {
  max-width: 820px;
}
.content-section p {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.85;
  margin-bottom: var(--sp-3);
}
.content-section h2 {
  margin-top: var(--sp-6);
  margin-bottom: var(--sp-2);
}
.content-section h3 {
  margin-top: var(--sp-4);
  margin-bottom: var(--sp-2);
}
.content-section ul,
.content-section ol {
  padding-left: var(--sp-4);
  margin-bottom: var(--sp-3);
}
.content-section li {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 0.5rem;
  line-height: 1.7;
}
.content-section li::marker {
  color: var(--accent);
}

/* Pros / Cons */
.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-4);
  margin-top: var(--sp-4);
}
.pros-cons__col {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--r-lg);
  padding: var(--sp-4);
}
.pros-cons__col h3 {
  padding-bottom: var(--sp-2);
  margin-bottom: var(--sp-2);
  border-bottom: 1px solid var(--card-border);
}
.pros-cons__col.pro h3 {
  color: var(--success);
}
.pros-cons__col.con h3 {
  color: var(--danger);
}
.pros-cons__col ul {
  list-style: none;
  padding: 0;
}
.pros-cons__col li {
  padding: 0.5rem 0;
  padding-left: 1.2rem;
  position: relative;
}
.pros-cons__col.pro li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
}
.pros-cons__col.con li::before {
  content: "✗";
  position: absolute;
  left: 0;
  color: var(--danger);
  font-weight: 700;
}

/* ---------- FAQ Accordion ---------- */
.faq-item {
  border-bottom: 1px solid var(--card-border);
}
.faq-item__question {
  width: 100%;
  background: none;
  border: none;
  padding: var(--sp-3) 0;
  font-family: "Manrope", sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color var(--dur) var(--ease);
}
.faq-item__question:hover {
  color: var(--accent);
}
.faq-item__question::after {
  content: "+";
  font-size: 1.3rem;
  color: var(--accent);
  transition: transform var(--dur) var(--ease);
}
.faq-item.open .faq-item__question::after {
  transform: rotate(45deg);
}
.faq-item__answer {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.4s var(--ease),
    padding 0.4s var(--ease);
}
.faq-item.open .faq-item__answer {
  max-height: 500px;
  padding-bottom: var(--sp-3);
}
.faq-item__answer p {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.75;
}

/* ---------- Get Started Steps ---------- */
.steps {
  counter-reset: step;
}
.step-item {
  display: flex;
  gap: var(--sp-4);
  padding: var(--sp-5) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
}
.step-item__number {
  counter-increment: step;
  width: 56px;
  height: 56px;
  background: var(--glass-bg);
  border: 1px solid var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family:
    "Manrope",
    "Segoe UI",
    "Avenir Next",
    "Helvetica Neue",
    Arial,
    sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--accent);
  flex-shrink: 0;
}
.step-item__number::before {
  content: counter(step);
}
.step-item__content h3 {
  margin-bottom: 0.4rem;
}
.step-item__content p {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.7;
}

/* ---------- Scroll Reveal Animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 {
  transition-delay: 0.1s;
}
.reveal-delay-2 {
  transition-delay: 0.2s;
}
.reveal-delay-3 {
  transition-delay: 0.3s;
}
.reveal-delay-4 {
  transition-delay: 0.4s;
}
.reveal-delay-5 {
  transition-delay: 0.5s;
}

/* ---------- Get-Started Form Section Cards ---------- */
[data-page="get-started"] .form-section {
  position: relative;
  isolation: isolate;
  background:
    linear-gradient(150deg, rgba(255, 255, 255, 0.13) 0%, rgba(255, 255, 255, 0.02) 36%, rgba(255, 255, 255, 0.01) 100%),
    linear-gradient(118deg, rgba(228, 236, 247, 0.2) 0%, rgba(183, 196, 214, 0.14) 28%, rgba(20, 31, 52, 0.92) 78%);
  border: 1px solid rgba(220, 228, 238, 0.28);
  border-radius: var(--r-lg);
  padding: var(--sp-4) var(--sp-4) var(--sp-2);
  margin-bottom: var(--sp-4);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow:
    0 18px 34px rgba(0, 0, 0, 0.34),
    inset 0 1px 0 rgba(255, 255, 255, 0.24),
    inset 0 -1px 0 rgba(255, 255, 255, 0.05);
}

#contact-form .form-section,
#annuity-quote-form .form-section {
  position: relative;
  isolation: isolate;
  background:
    linear-gradient(150deg, rgba(255, 255, 255, 0.13) 0%, rgba(255, 255, 255, 0.02) 36%, rgba(255, 255, 255, 0.01) 100%),
    linear-gradient(118deg, rgba(228, 236, 247, 0.2) 0%, rgba(183, 196, 214, 0.14) 28%, rgba(20, 31, 52, 0.92) 78%);
  border: 1px solid rgba(220, 228, 238, 0.28);
  border-radius: var(--r-lg);
  padding: var(--sp-4) var(--sp-4) var(--sp-2);
  margin-bottom: var(--sp-4);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow:
    0 18px 34px rgba(0, 0, 0, 0.34),
    inset 0 1px 0 rgba(255, 255, 255, 0.24),
    inset 0 -1px 0 rgba(255, 255, 255, 0.05);
}

#contact-form .form-section {
  position: relative;
  isolation: isolate;
  background: rgba(12, 23, 41, 0.82);
  border: 1px solid rgba(172, 186, 204, 0.22);
  border-radius: var(--r-lg);
  padding: var(--sp-4) var(--sp-4) var(--sp-2);
  margin-bottom: var(--sp-4);
  box-shadow: 0 14px 28px rgba(0, 0, 0, 0.28);
}

#contact-form .form-section::before,
#annuity-quote-form .form-section::before {
  content: "";
  position: absolute;
  inset: 1px;
  border-radius: calc(var(--r-lg) - 1px);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.16), rgba(255, 255, 255, 0));
  pointer-events: none;
  z-index: -1;
}

#contact-form .form-section::before {
  display: none;
}

[data-page="get-started"] .form-section::before {
  content: "";
  position: absolute;
  inset: 1px;
  border-radius: calc(var(--r-lg) - 1px);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.16), rgba(255, 255, 255, 0));
  pointer-events: none;
  z-index: -1;
}

[data-page="get-started"] .contact-form {
  position: relative;
  background:
    radial-gradient(circle at 12% 0%, rgba(226, 235, 246, 0.16), transparent 44%),
    radial-gradient(circle at 88% 0%, rgba(184, 197, 216, 0.12), transparent 48%),
    rgba(10, 20, 36, 0.82);
  border: 1px solid rgba(206, 216, 228, 0.24);
  box-shadow:
    0 28px 46px rgba(0, 0, 0, 0.42),
    inset 0 1px 0 rgba(255, 255, 255, 0.22);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

#annuity-quote-form {
  position: relative;
  background:
    radial-gradient(circle at 12% 0%, rgba(226, 235, 246, 0.16), transparent 44%),
    radial-gradient(circle at 88% 0%, rgba(184, 197, 216, 0.12), transparent 48%),
    rgba(10, 20, 36, 0.82);
  border: 1px solid rgba(206, 216, 228, 0.24);
  box-shadow:
    0 28px 46px rgba(0, 0, 0, 0.42),
    inset 0 1px 0 rgba(255, 255, 255, 0.22);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

#contact-form {
  position: relative;
  background: rgba(10, 21, 38, 0.9);
  border: 1px solid rgba(172, 186, 204, 0.2);
  box-shadow: 0 24px 40px rgba(0, 0, 0, 0.36);
}

.form-section__header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: var(--sp-3);
  padding-bottom: var(--sp-2);
  border-bottom: 1px solid rgba(198, 208, 222, 0.28);
}

#contact-form .form-heading,
#contact-form .form-subheading,
#annuity-quote-form .form-heading,
#annuity-quote-form .form-subheading {
  color: rgba(238, 243, 250, 0.98);
  letter-spacing: 0.01em;
}

.form-section__header .form-heading,
.form-section__header .form-subheading {
  margin: 0;
  color: rgba(238, 243, 250, 0.98);
  font-size: 1.22rem;
  font-weight: 650;
  letter-spacing: 0.01em;
}

.form-section__icon {
  width: 1.5rem;
  height: 1.5rem;
  flex-shrink: 0;
  fill: none;
  stroke: rgba(207, 218, 234, 0.96);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

[data-page="get-started"] .form-section .form-group > label {
  color: rgba(243, 238, 227, 0.94);
  font-size: 0.9rem;
  font-weight: 560;
  letter-spacing: 0.01em;
  text-transform: none;
}

#contact-form .form-group > label,
#annuity-quote-form .form-group > label {
  color: rgba(243, 238, 227, 0.94);
  font-size: 0.9rem;
  font-weight: 560;
  letter-spacing: 0.01em;
  text-transform: none;
}

[data-page="get-started"] .form-group input,
[data-page="get-started"] .form-group textarea,
[data-page="get-started"] .form-group select {
  background: linear-gradient(180deg, rgba(18, 30, 50, 0.94), rgba(10, 20, 36, 0.94));
  border-color: rgba(255, 255, 255, 0.12);
}

#contact-form .form-group input,
#contact-form .form-group textarea,
#contact-form .form-group select,
#annuity-quote-form .form-group input,
#annuity-quote-form .form-group textarea,
#annuity-quote-form .form-group select {
  background: linear-gradient(180deg, rgba(18, 30, 50, 0.94), rgba(10, 20, 36, 0.94));
  border-color: rgba(255, 255, 255, 0.12);
}

[data-page="get-started"] .form-group input:focus,
[data-page="get-started"] .form-group textarea:focus,
[data-page="get-started"] .form-group select:focus {
  border-color: rgba(203, 216, 232, 0.92);
  box-shadow:
    0 0 0 3px rgba(173, 186, 204, 0.24),
    0 12px 24px rgba(6, 11, 22, 0.35);
}

#contact-form .form-group input:focus,
#contact-form .form-group textarea:focus,
#contact-form .form-group select:focus,
#annuity-quote-form .form-group input:focus,
#annuity-quote-form .form-group textarea:focus,
#annuity-quote-form .form-group select:focus {
  border-color: rgba(203, 216, 232, 0.92);
  box-shadow:
    0 0 0 3px rgba(173, 186, 204, 0.24),
    0 12px 24px rgba(6, 11, 22, 0.35);
}

[data-page="get-started"] .form-conditional {
  border-left: 2px solid rgba(184, 198, 217, 0.62);
}

/* ---------- Get-Started Form Conditionals ---------- */
.form-conditional {
  display: none;
  margin-top: -0.5rem;
  margin-bottom: var(--sp-3);
  padding-left: var(--sp-3);
  border-left: 2px solid var(--accent-glow);
  animation: fadeSlideIn 0.3s var(--ease) both;
}
.form-conditional.is-visible {
  display: block;
}

@keyframes fadeSlideIn {
  from {
    opacity: 0;
    transform: translateY(-8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ---------- Get-Started Signature Pad ---------- */
.gs-signature-wrap {
  margin-top: var(--sp-2);
}
.gs-signature-box {
  position: relative;
  border: 1px solid var(--glass-border);
  background: var(--navy);
  height: 120px;
  border-radius: var(--r-sm);
  overflow: hidden;
  transition: border-color var(--dur) var(--ease);
}
.gs-signature-box:hover,
.gs-signature-box:focus-within {
  border-color: var(--accent);
}
#gs-signature-pad {
  width: 100%;
  height: 100%;
  display: block;
  cursor: crosshair;
}
.gs-signature-placeholder {
  position: absolute;
  left: 1rem;
  bottom: 0.5rem;
  font-size: 0.78rem;
  color: var(--text-dim);
  pointer-events: none;
  transition: opacity var(--dur) var(--ease);
}
.gs-signature-box.has-signature .gs-signature-placeholder {
  opacity: 0;
}
.gs-signature-actions {
  margin-top: 0.5rem;
}
.gs-signature-clear {
  padding: 0.4rem 1rem;
  font-size: 0.78rem;
  font-family: "Manrope", sans-serif;
  font-weight: 600;
  border-radius: var(--r-sm);
  border: 1px solid var(--glass-border);
  background: var(--glass-bg);
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--dur) var(--ease);
}
.gs-signature-clear:hover {
  background: var(--glass-bg-hover);
  border-color: var(--accent);
  color: var(--accent);
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .services__grid,
  .comparison__grid,
  .features__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --nav-h: 64px;
  }

  .nav__links {
    display: none;
  }
  .nav__toggle {
    display: flex;
  }
  .nav__logo-head {
    width: 67px;
  }
  .nav__logo--header {
    gap: 0.55rem;
  }
  .nav__logo-wordmark {
    font-size: 1rem;
  }
  .contact-section--with-bg::before {
    background-position:
      center,
      center;
    background-size:
      auto,
      auto;
    opacity: 0.66;
    transform: none;
  }

  /* Mobile menu */
  .nav__links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: var(--nav-h);
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(10, 22, 40, 0.97);
    backdrop-filter: blur(24px);
    padding: var(--sp-4);
    gap: 0;
    overflow-y: auto;
  }
  .nav__links.open li {
    width: 100%;
  }
  .nav__links.open a {
    display: block;
    padding: 0.8rem 1rem;
    font-size: 1rem;
  }
  .nav__links.open .nav__dropdown-trigger {
    display: flex;
    width: 100%;
    justify-content: space-between;
    padding: 0.8rem 1rem;
    font-size: 1rem;
  }
  .nav__dropdown-menu {
    position: static;
    transform: none;
    opacity: 0;
    visibility: hidden;
    max-height: 0;
    overflow: hidden;
    background: rgba(255, 255, 255, 0.03);
    backdrop-filter: none;
    border: none;
    box-shadow: none;
    margin-top: 0;
    padding-left: var(--sp-2);
    transition: max-height var(--dur) var(--ease);
  }
  .nav__dropdown.open .nav__dropdown-menu,
  .nav__dropdown:focus-within .nav__dropdown-menu {
    opacity: 1;
    visibility: visible;
    max-height: 480px;
    margin-top: 0.3rem;
  }

  .hero__content {
    max-width: 100%;
  }

  .trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--sp-2);
  }
  .trust-bar__number {
    font-size: 2rem;
  }

  .services__grid,
  .application-steps__grid,
  .comparison__grid,
  .features__grid {
    grid-template-columns: 1fr;
  }

  .about__grid {
    grid-template-columns: 1fr;
    gap: var(--sp-4);
  }
  .about__broker-card {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    gap: var(--sp-2);
  }
  .about__broker-headshot {
    width: 114px;
    height: auto;
  }
  .about__broker-signature-wrap {
    max-width: min(88vw, 360px);
  }
  .about__broker-info {
    align-items: center;
  }
  .about__broker-info .about__broker-title {
    font-size: 0.76rem;
    letter-spacing: 0.24em;
  }

  .contact-preview__grid {
    grid-template-columns: 1fr;
  }

  .pros-cons {
    grid-template-columns: 1fr;
  }

  .comparison__feature-list {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .u-inline-flex {
    flex-direction: column;
    align-items: flex-start;
  }

  .u-flex-grow {
    min-width: 100%;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: var(--sp-4);
  }
  .footer__bottom {
    flex-direction: column;
    gap: var(--sp-2);
    text-align: center;
  }

  .cta-banner {
    padding: var(--sp-6) var(--sp-4);
  }
}

@media (max-width: 480px) {
  .trust-bar__grid {
    grid-template-columns: 1fr 1fr;
  }
  .hero h1 {
    font-size: 2.2rem;
  }
  .hero__actions {
    flex-direction: column;
  }
  .hero__actions .btn {
    width: 100%;
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .reveal {
    opacity: 1 !important;
    transform: none !important;
  }

  .hero__orb {
    display: none;
  }
}