/* ============================================================
   Americare Coverage — Landing styles
   Direction "Corporate / Patriotic" — navy · flag red · white
   ============================================================ */

:root {
  /* Brand */
  --navy: #0A2240;
  --navy-900: #071733;
  --navy-800: #0E2A52;
  --navy-700: #16335F;
  --red: #C8102E;
  --red-dark: #A50D26;
  --gold: #E8A33D;

  /* Surfaces / text */
  --paper: #F4F6FA;
  --white: #FFFFFF;
  --card: #FFFFFF;
  --ink: #0A2240;
  --muted: #55637A;
  --border: #E3E8F0;
  --border-on-navy: rgba(255,255,255,.16);

  --destructive: #C8102E;

  /* Spacing (8pt) */
  --space-1: 4px; --space-2: 8px; --space-3: 12px; --space-4: 16px;
  --space-5: 24px; --space-6: 32px; --space-7: 48px; --space-8: 64px; --space-9: 96px;

  --radius-sm: 8px; --radius: 12px; --radius-lg: 18px; --radius-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(10,34,64,.06), 0 1px 3px rgba(10,34,64,.08);
  --shadow-md: 0 6px 14px rgba(10,34,64,.10), 0 2px 4px rgba(10,34,64,.06);
  --shadow-lg: 0 18px 40px rgba(7,23,51,.28), 0 6px 12px rgba(7,23,51,.14);

  --font-body: "Inter", system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Oswald", var(--font-body);
  --maxw: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
[hidden] { display: none !important; }

h1, h2, h3 { margin: 0 0 var(--space-3); color: var(--ink); line-height: 1.12; }
.display { font-family: var(--font-display); font-weight: 700; letter-spacing: .01em; text-transform: uppercase; }
p { margin: 0 0 var(--space-3); }
a { color: var(--red); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 var(--space-5); }
.narrow { max-width: 780px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  font: inherit; font-weight: 600; cursor: pointer;
  padding: 14px 24px; min-height: 50px; border-radius: var(--radius-sm);
  border: 2px solid transparent; text-decoration: none;
  transition: background .18s, color .18s, border-color .18s, transform .05s, box-shadow .18s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--red); color: #fff; box-shadow: 0 6px 16px rgba(200,16,46,.28); }
.btn-primary:hover { background: var(--red-dark); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost { background: var(--paper); color: var(--navy); }
.btn-ghost:hover { background: #e6ebf3; }
.btn-block { width: 100%; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn:disabled { opacity: .5; cursor: not-allowed; box-shadow: none; }
/* On-navy ghost */
.on-navy .btn-outline { color: #fff; border-color: rgba(255,255,255,.5); }
.on-navy .btn-outline:hover { background: #fff; color: var(--navy); border-color: #fff; }

:where(a,button,input,select,summary,[tabindex]):focus-visible {
  outline: 3px solid var(--red); outline-offset: 2px; border-radius: var(--radius-sm);
}
.ic { width: 20px; height: 20px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.94); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding-block: var(--space-3); }
.brand { display: flex; align-items: center; gap: var(--space-3); text-decoration: none; }
.brand img { height: 44px; width: auto; }
.wordmark { display: flex; flex-direction: column; line-height: .92; }
.wordmark .w1 { font-family: var(--font-display); font-weight: 700; font-size: 1.35rem; letter-spacing: .04em; color: var(--navy); text-transform: uppercase; }
.wordmark .w2 { font-family: var(--font-display); font-weight: 600; font-size: .82rem; letter-spacing: .34em; color: var(--red); text-transform: uppercase; }
.header-cta { padding: 10px 20px; min-height: 42px; }

/* ---------- Hero ---------- */
.hero { position: relative; color: #fff; isolation: isolate; z-index: 2; }
.hero-bg {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(94deg, rgba(7,23,51,.94) 0%, rgba(9,29,56,.85) 42%, rgba(10,34,64,.5) 100%),
    url("image/hero-family-flag.jpg");
  background-size: cover; background-position: center 30%;
}
.hero-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-7); padding-block: var(--space-8); }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; color: #fff; font-weight: 600; font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; margin-bottom: var(--space-4); opacity: .92; }
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--red); }
.hero h1 { font-family: var(--font-display); font-weight: 700; text-transform: uppercase; letter-spacing: .01em; font-size: clamp(2.1rem, 5.2vw, 3.4rem); color: #fff; }
.hero h1 .hl { color: var(--gold); }
.lede { font-size: 1.15rem; color: rgba(255,255,255,.9); max-width: 46ch; }
.hero-copy .tagline { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .22em; font-size: .82rem; color: rgba(255,255,255,.75); margin-top: var(--space-5); }

/* ---------- Value band ---------- */
.value-band { background: var(--navy); color: #fff; border-top: 3px solid var(--red); }
.value-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); padding-block: var(--space-6); }
.value-item { display: flex; align-items: center; gap: var(--space-3); }
.value-item .vicon { width: 42px; height: 42px; flex: none; display: grid; place-items: center; border: 2px solid var(--red); border-radius: 50%; color: #fff; }
.value-item .vicon .ic { width: 22px; height: 22px; }
.value-item strong { display: block; font-family: var(--font-display); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; font-size: 1.02rem; }
.value-item span { font-size: .85rem; color: rgba(255,255,255,.72); }

/* ---------- Calculator card ---------- */
.calc-card { background: var(--card); color: var(--ink); border: 1px solid var(--border); border-top: 4px solid var(--red); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: var(--space-6); scroll-margin-top: 90px; align-self: start; }
/* Heartbeat on arrival: a single "lub-dub" beat to draw the eye, then it stays still.
   Stops right away once the visitor interacts with the form. */
.calc-card { animation: heartbeat 1.3s ease-in-out .8s 1 both; transform-origin: center; }
.calc-card:focus-within { animation: none; }
@keyframes heartbeat {
  0%, 100% { transform: scale(1); }
  14% { transform: scale(1.045); }
  28% { transform: scale(1); }
  42% { transform: scale(1.03); }
  70% { transform: scale(1); }
}
@media (prefers-reduced-motion: reduce) { .calc-card { animation: none; } }
.calc-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--space-5); }
.calc-head h2 { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .02em; font-size: 1.3rem; margin: 0; color: var(--navy); }
.progress { display: flex; gap: var(--space-2); }
.progress .dot { width: 26px; height: 6px; border-radius: var(--radius-pill); background: var(--border); transition: background .2s; }
.progress .dot.is-active { background: var(--red); }

.step { border: 0; margin: 0; padding: 0; }
.step-legend { font-weight: 600; font-size: 1.08rem; color: var(--navy); padding: 0; margin-bottom: var(--space-4); }

.choice-grid { display: grid; gap: var(--space-3); margin-bottom: var(--space-5); }
.choice { position: relative; display: flex; cursor: pointer; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.choice-body { flex: 1; display: flex; flex-direction: column; padding: var(--space-4); border: 1.5px solid var(--border); border-radius: var(--radius); transition: border-color .15s, background .15s, box-shadow .15s; }
.choice:hover .choice-body { border-color: var(--navy-700); }
.choice input:checked + .choice-body { border-color: var(--navy); background: #eef2f8; box-shadow: inset 0 0 0 1px var(--navy); }
.choice-title { font-weight: 600; color: var(--navy); }
.choice-sub { font-size: .85rem; color: var(--muted); }
.choice.is-disabled { opacity: .45; }
.choice.is-disabled .choice-body { cursor: not-allowed; }
.choice input:disabled { cursor: not-allowed; }

.field { margin-bottom: var(--space-4); }
.field label, .field-label { display: block; font-weight: 500; margin-bottom: var(--space-2); color: var(--navy); }
.field input, .field select { width: 100%; font: inherit; padding: 13px 14px; min-height: 48px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); background: #fff; color: var(--ink); }
.field input:focus, .field select:focus { border-color: var(--navy); outline: none; box-shadow: 0 0 0 3px rgba(10,34,64,.15); }
.field-hint { font-size: .82rem; color: var(--muted); margin: var(--space-2) 0 0; }
.field-error { font-size: .82rem; color: var(--destructive); margin: var(--space-2) 0 0; font-weight: 500; }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: var(--destructive); }
.req { color: var(--destructive); }

.notice { display: flex; gap: var(--space-3); align-items: flex-start; padding: var(--space-3) var(--space-4); border-radius: var(--radius-sm); background: #eef2f8; color: var(--ink); margin-bottom: var(--space-4); font-size: .9rem; }
.notice .ic { color: var(--navy); margin-top: 2px; }
.notice p { margin: 0; }
.notice-warn { background: #FEF3C7; color: #92400E; }
.notice-warn .ic { color: #92400E; }

.step-actions { display: flex; gap: var(--space-3); margin-top: var(--space-5); }
.step-actions .btn-next, .step-actions #calc-submit { margin-left: auto; }

.calc-loading { position: fixed; inset: 0; z-index: 2000; display: flex; align-items: center; justify-content: center; padding: var(--space-5); background: rgba(7,23,51,.92); backdrop-filter: blur(3px); animation: fade-in .2s ease; }
.loader-box { background: var(--card); color: var(--ink); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border-top: 4px solid var(--red); padding: var(--space-8) var(--space-7); max-width: 380px; width: 100%; text-align: center; }
.loader-title { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .01em; font-weight: 700; font-size: 1.25rem; color: var(--navy); margin: var(--space-2) 0 var(--space-2); }
.loader-sub { color: var(--muted); font-size: .9rem; margin: 0; }
.spinner { display: inline-block; width: 46px; height: 46px; border: 4px solid var(--border); border-top-color: var(--red); border-radius: 50%; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes fade-in { from { opacity: 0; } to { opacity: 1; } }
@media (prefers-reduced-motion: reduce) { .spinner { animation-duration: 1.6s; } .calc-loading { animation: none; } }

.result-head { text-align: center; margin-bottom: var(--space-5); }
.result-label { color: var(--muted); font-weight: 500; margin-bottom: var(--space-2); }
.price { display: inline-flex; align-items: baseline; flex-direction: column; }
.price-from { font-size: .9rem; color: var(--muted); }
.price-amount { font-family: var(--font-display); font-weight: 700; font-size: 3.2rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.price-cur { font-size: 1.6rem; vertical-align: super; margin-right: 2px; }
.price-per { font-size: 1.1rem; color: var(--muted); font-weight: 500; }
.price.is-locked { filter: blur(12px); user-select: none; pointer-events: none; }

.gate-title { text-align: center; font-weight: 600; color: var(--navy); margin-bottom: var(--space-4); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-3); }
.consent { display: flex; gap: var(--space-3); align-items: flex-start; font-size: .82rem; color: var(--muted); margin: var(--space-2) 0 var(--space-4); cursor: pointer; }
.consent input { margin-top: 3px; width: 18px; height: 18px; flex: none; accent-color: var(--navy); }
.gate-fineprint { font-size: .78rem; color: var(--muted); margin-top: var(--space-3); text-align: center; }

.programs { display: grid; gap: var(--space-2); margin-bottom: var(--space-4); }
.program-row { display: flex; align-items: center; justify-content: space-between; padding: var(--space-3) var(--space-4); border: 1.5px solid var(--border); border-radius: var(--radius-sm); }
.program-row.is-featured { border-color: var(--navy); background: #eef2f8; }
.program-info { display: flex; flex-direction: column; }
.program-name { font-weight: 600; color: var(--navy); }
.program-sub { font-size: .8rem; color: var(--muted); }
.program-price { font-weight: 700; color: var(--red); font-variant-numeric: tabular-nums; font-size: .85rem; }
.unlocked-note { font-size: .82rem; color: var(--muted); text-align: center; margin: var(--space-3) 0; }
.cta-stack { display: grid; gap: var(--space-3); }
.specialist-confirm { display: flex; gap: var(--space-2); align-items: center; justify-content: center; margin-top: var(--space-4); color: var(--navy); font-weight: 500; }
.specialist-confirm .ic { color: #1a7f4b; }

/* Combobox */
.combobox { position: relative; }
.combo-trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--space-2); font: inherit; text-align: left; padding: 13px 14px; min-height: 48px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); background: #fff; color: var(--ink); cursor: pointer; transition: border-color .15s, box-shadow .15s; }
.combo-trigger:hover { border-color: var(--navy); }
.combo-trigger[aria-expanded="true"] { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(10,34,64,.15); }
.combo-value.is-placeholder { color: var(--muted); }
.combo-trigger .chev { width: 18px; height: 18px; color: var(--muted); transition: transform .2s; }
.combo-trigger[aria-expanded="true"] .chev { transform: rotate(180deg); }
.combo-popup { position: absolute; z-index: 30; top: calc(100% + 6px); left: 0; right: 0; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: var(--space-2); }
.combo-search { width: 100%; font: inherit; padding: 10px 12px; min-height: 44px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); margin-bottom: var(--space-2); }
.combo-search:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(10,34,64,.15); }
.combo-list { list-style: none; margin: 0; padding: 0; max-height: 220px; overflow-y: auto; }
.combo-option { display: block; padding: 10px 12px; border-radius: var(--radius-sm); cursor: pointer; font-size: .95rem; color: var(--ink); }
.combo-option:hover, .combo-option.is-active { background: #eef2f8; }
.combo-option.is-disabled { display: flex; align-items: center; justify-content: space-between; gap: var(--space-2); color: var(--muted); cursor: not-allowed; }
.combo-option.is-disabled:hover { background: transparent; }
.combo-option.is-disabled[hidden] { display: none; }
.combo-tag { flex-shrink: 0; font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .03em; color: var(--red); background: #fdecee; border-radius: 999px; padding: 2px 8px; }
.combo-empty { padding: 12px; text-align: center; color: var(--muted); font-size: .9rem; }

/* ---------- Sections ---------- */
.section { padding: var(--space-8) 0; }
.section-alt { background: #fff; }
.section-title { font-family: var(--font-display); font-weight: 700; text-transform: uppercase; letter-spacing: .01em; font-size: clamp(1.6rem, 3.5vw, 2.2rem); text-align: center; color: var(--navy); }
.section-title.left { text-align: left; }
.section-sub { text-align: center; color: var(--muted); max-width: 60ch; margin: 0 auto var(--space-6); }
.title-rule { width: 54px; height: 3px; background: var(--red); margin: 0 auto var(--space-5); }
.title-rule.left { margin-left: 0; }

.media-band { margin: 0 0 var(--space-7); }
.media-band img { width: 100%; max-height: 360px; object-fit: cover; object-position: center 35%; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }

.steps-grid { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--space-4); }
.step-card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--space-5); box-shadow: var(--shadow-sm); }
.step-num { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--font-display); font-weight: 700; margin-bottom: var(--space-3); }
.step-card h3 { font-size: 1.15rem; color: var(--navy); }
.step-card p { color: var(--muted); margin: 0; }

/* What's included — carousel (Swiper, same settings as the partner site: see bindCarousel in app.js) */
.carousel { position: relative; }
.perks-swiper { padding: var(--space-2) var(--space-1) var(--space-4); }
.perks-swiper .swiper-wrapper { list-style: none; margin: 0; padding: 0; transition-timing-function: ease-in-out; }
.perks-swiper .swiper-slide { height: auto; }
.perk-card { box-sizing: border-box; background: var(--card); border: 1px solid var(--border); border-top: 3px solid var(--red); border-radius: var(--radius); padding: var(--space-5); box-shadow: var(--shadow-sm); }
.perk-icon { display: grid; place-items: center; width: 52px; height: 52px; border-radius: var(--radius-sm); background: var(--navy); color: #fff; margin-bottom: var(--space-4); }
.perk-icon .ic { width: 26px; height: 26px; }
.perk-card h3 { font-size: 1.08rem; color: var(--navy); }
.perk-card p { color: var(--muted); margin: 0; font-size: .95rem; }
.carousel-btn { display: none; position: absolute; top: 50%; transform: translateY(-60%); z-index: 1; width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--border); background: #fff; color: var(--navy); box-shadow: var(--shadow-md); cursor: pointer; place-items: center; transition: opacity .15s; }
.carousel-btn .ic { width: 22px; height: 22px; }
.carousel-btn:hover { border-color: var(--navy); }
.carousel-btn:focus-visible { outline: 2px solid var(--navy); outline-offset: 2px; }
.carousel-btn[disabled] { opacity: .35; cursor: default; }
.carousel-btn.prev { left: 0; }
.carousel-btn.next { right: 0; }
.carousel-dots { display: flex; justify-content: center; gap: var(--space-2); margin-top: var(--space-2); }
.carousel-dots .swiper-pagination-bullet { width: 22px; height: 15px; padding: 6px 0; box-sizing: border-box; border-radius: 2px; background: var(--border); background-clip: content-box; opacity: 1; margin: 0 !important; cursor: pointer; transition: background-color .3s; }
.carousel-dots .swiper-pagination-bullet-active { background-color: var(--red); }
.included-note { text-align: center; font-size: .82rem; color: var(--muted); margin: var(--space-4) 0 0; }
@media (min-width: 980px) {
  .carousel { padding-inline: 60px; } /* room for the arrows outside the cards */
  .carousel-btn { display: grid; }
}
}

.two-col { display: grid; grid-template-columns: 1fr; gap: var(--space-7); }
.why-media { margin: 0 0 var(--space-5); }
.why-media img { width: 100%; max-height: 320px; object-fit: cover; object-position: center 40%; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.feature-list { list-style: none; padding: 0; margin: var(--space-4) 0 0; display: grid; gap: var(--space-4); }
.feature-list li { display: flex; gap: var(--space-3); }
.feature-list .ic { color: var(--red); margin-top: 3px; }
.pra-explainer { background: var(--navy); color: #fff; border-radius: var(--radius); padding: var(--space-6); }
.pra-explainer h3 { color: #fff; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .02em; font-size: 1.2rem; }
.pra-explainer dl { margin: 0 0 var(--space-4); }
.pra-explainer dt { font-weight: 600; color: #fff; margin-top: var(--space-3); }
.pra-explainer dd { margin: 0; color: rgba(255,255,255,.75); font-size: .92rem; }
.link-arrow { display: inline-flex; align-items: center; gap: var(--space-2); font-weight: 600; text-decoration: none; color: var(--gold); }
.link-arrow:hover { text-decoration: underline; }

.quotes-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); }
.quote { margin: 0; background: var(--card); border: 1px solid var(--border); border-top: 3px solid var(--navy); border-radius: var(--radius); padding: var(--space-5); box-shadow: var(--shadow-sm); }
.quote p { color: var(--ink); font-size: 1.02rem; }
.quote cite { color: var(--muted); font-style: normal; font-size: .88rem; font-weight: 600; }
.quote.stat { text-align: center; border-top-color: var(--red); }
.stat-num { display: block; font-family: var(--font-display); font-weight: 700; font-size: 2.4rem; color: var(--navy); line-height: 1; margin-bottom: var(--space-2); font-variant-numeric: tabular-nums; }
.stat-label { color: var(--muted); font-size: .9rem; }
.stories-fineprint { text-align: center; font-size: .78rem; color: var(--muted); margin-top: var(--space-5); }

.faq { display: grid; gap: var(--space-3); }
.faq details { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--space-4) var(--space-5); }
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); list-style: none; display: flex; justify-content: space-between; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--red); font-weight: 400; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: var(--space-3) 0 0; color: var(--muted); }

/* Final CTA */
.final-cta { position: relative; color: #fff; text-align: center; padding: var(--space-9) 0; overflow: hidden; isolation: isolate; }
.final-cta .final-bg { position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(7,23,51,.92), rgba(7,23,51,.86)), url("image/flag-heart.jpg"); background-size: cover; background-position: center; }
.final-cta h2 { color: #fff; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .02em; }
.final-cta p { color: rgba(255,255,255,.85); margin-bottom: var(--space-5); }

/* Footer */
.site-footer { background: var(--navy-900); color: #b9c4d6; padding: var(--space-7) 0; font-size: .85rem; }
.footer-brand { color: #fff; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .04em; }
.footer-disclaimer { color: #8a99b2; font-size: .78rem; line-height: 1.6; max-width: 92ch; }
.footer-copy { color: #6c7c96; margin: 0; }

/* ---------- Responsive ---------- */
@media (min-width: 720px) {
  .grid-2, .quotes-grid, .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .value-grid { grid-template-columns: repeat(4, 1fr); }
}
@media (min-width: 980px) {
  .hero-grid { grid-template-columns: 1.05fr .95fr; grid-template-areas: "copy calc"; align-items: center; padding-block: var(--space-9); }
  .hero-copy { grid-area: copy; }
  .calc-card { grid-area: calc; }
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
  .two-col { grid-template-columns: 1fr 1fr; align-items: start; }
  .quotes-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}

/* Legal pages (privacy) + footer links */
.legal h2 { scroll-margin-top: 90px; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .01em; font-size: 1.2rem; color: var(--navy); margin: var(--space-6) 0 var(--space-3); }
.legal p, .legal li { color: var(--ink); line-height: 1.6; }
.legal ul { padding-left: 1.2em; margin: 0 0 var(--space-3); }
.legal li { margin-bottom: var(--space-2); }
.legal a { color: var(--navy); }
.legal-updated { color: var(--muted); font-size: .9rem; }
.footer-links { font-size: .85rem; margin: var(--space-2) 0; }
.footer-links a { color: inherit; }
.consent a { color: var(--navy); }
.legal ol { padding-left: 1.4em; margin: 0 0 var(--space-3); }
.consent-quote { margin: 0 0 var(--space-4); padding: var(--space-4); border-left: 4px solid var(--red); background: #fff; border-radius: var(--radius-sm); color: var(--ink); }
.consent-shot img { width: 100%; height: auto; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); }