/* ==========================================================================
   Bay Harbor Benefits — Design System
   Palette: navy #14456b family / orange #c85f0a-#e07a1a family
   No external dependencies. Mobile-first. Senior-accessible (19px+ base,
   high contrast, 60px+ tap targets, generous line-height).
   ========================================================================== */

:root {
  /* ---------- Color ---------- */
  --navy:        #14456b;
  --navy-deep:   #0e3453;
  --navy-mid:    #1c5a8a;
  --navy-pale:   #2a6ba0;
  --ink:         #17242e;
  --muted:       #45525d;
  --muted-2:     #5b6b78;
  --orange:      #c85f0a;   /* CTA fill — WCAG AA (>4:1) with #fff at button sizes */
  --orange-hi:   #a94f06;   /* hover/active */
  --orange-line: #e07a1a;   /* accent rules, focus accents on light cards */
  --orange-soft: rgba(224,122,26,.14);
  --line:        #dce6f0;
  --line-soft:   #e6eef6;
  --panel:       #f4f8fc;
  --panel-alt:   #eef4fb;
  --white:       #ffffff;

  /* ---------- Spacing scale (8px base) ---------- */
  --sp-1: 8px;
  --sp-2: 16px;
  --sp-3: 24px;
  --sp-4: 32px;
  --sp-5: 40px;
  --sp-6: 48px;
  --sp-7: 64px;
  --sp-8: 80px;
  --sp-9: 96px;

  /* ---------- Radius family ---------- */
  --radius-sm:   10px;
  --radius-md:   16px;
  --radius-lg:   24px;
  --radius-pill: 999px;

  /* ---------- Shadow family (soft, layered, navy-tinted) ---------- */
  --shadow-sm: 0 2px 8px rgba(13,47,79,.07);
  --shadow-md: 0 10px 28px rgba(13,47,79,.10);
  --shadow-lg: 0 22px 52px rgba(13,47,79,.16);
  --shadow-btn: 0 10px 24px rgba(200,95,10,.30);
  --shadow-btn-hi: 0 14px 30px rgba(169,79,6,.36);

  /* ---------- Type scale ---------- */
  --fs-body: 19px;
  --fs-sm:   .95rem;
  --fs-lg:   1.15rem;
  --fs-h1:   clamp(2.05rem, 1.55rem + 2.1vw, 3.15rem);
  --fs-h2:   clamp(1.55rem, 1.32rem + 1vw, 2.15rem);
  --fs-h3:   clamp(1.18rem, 1.08rem + .4vw, 1.36rem);

  /* ---------- Motion ---------- */
  --ease:      200ms cubic-bezier(.4,0,.2,1);
  --ease-slow: 380ms cubic-bezier(.16,1,.3,1);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: var(--fs-body);
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; color: var(--navy); font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: var(--fs-h1); }
h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); }
p { margin: 0 0 1em; }
a { color: var(--navy-mid); }
img { max-width: 100%; height: auto; }
svg { display: block; }
ul, ol { margin: 0 0 1em; padding-left: 1.35em; }
li { margin-bottom: .5em; }
strong { color: var(--ink); }

.wrap      { width: 100%; max-width: 760px;  margin: 0 auto; padding: 0 20px; }
.wrap-wide { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 20px; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip { position: absolute; left: -9999px; top: 0; z-index: 200; }
.skip:focus {
  position: fixed; left: 12px; top: 12px; display: inline-block;
  padding: 12px 18px; background: var(--orange); color: #fff;
  border-radius: var(--radius-sm); font-weight: 700; text-decoration: none;
}

/* ---------- Focus rings (accessibility, all interactive elements) ---------- */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, .nav-toggle-btn:focus-visible {
  outline: 3px solid var(--navy-pale);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- Carriers: independence section ---------- */
.carrier-logo {
  height: 30px; width: auto; display: block;
  filter: brightness(0) invert(19%) sepia(21%) saturate(1400%) hue-rotate(178deg) brightness(94%);
  opacity: .88;
}
.carrier-logo-tall { height: 38px; }
.carrier-name {
  font-weight: 800; font-size: 1.22rem; color: #23425f; letter-spacing: -.015em;
  white-space: nowrap; opacity: .88;
}
.carrier-section { border-top: 1px solid var(--line-soft); }
.carrier-cols { display: grid; gap: var(--sp-5); align-items: center; }
.rule-left { margin: 0 0 20px; }
.carrier-copy h2 { margin-bottom: .4em; }
.carrier-copy p { color: var(--muted); font-size: var(--fs-lg); max-width: 34em; }
.carrier-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.carrier-card {
  background: var(--panel); border: 1px solid var(--line-soft); border-radius: var(--radius-md);
  min-height: 92px; display: flex; align-items: center; justify-content: center; padding: 18px;
}
@media (min-width: 900px) { .carrier-cols { grid-template-columns: 1fr 1.1fr; } .carrier-cards { grid-template-columns: repeat(3, 1fr); } }
.carrier-soon { margin-top: 22px; display: flex; flex-wrap: wrap; align-items: baseline; justify-content: center; gap: 8px 14px; text-align: center; }
.carrier-soon-label { font-size: .92rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted-2); }
.carrier-soon-names { font-weight: 800; font-size: 1.08rem; color: #5d6f80; opacity: .8; }

/* ---------- Trust row: single line on desktop ---------- */
.trust .wrap { max-width: 1160px; }
@media (min-width: 1080px) { .trust-inner { flex-wrap: nowrap; } .chip { white-space: nowrap; } }

/* ---------- Section rhythm: alternating bands ---------- */
section, .band { padding: var(--sp-7) 0; }
.band-white { background: var(--white); }
.band-panel { background: var(--panel); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }

.section-head { text-align: center; margin-bottom: var(--sp-4); }
.section-head h2 { margin-bottom: .3em; }
.section-head p { color: var(--muted); margin: 0 auto; max-width: 36em; font-size: var(--fs-lg); }
.rule { width: 66px; height: 4px; border-radius: var(--radius-pill); background: var(--orange-line); margin: 0 auto 20px; }

/* ---------- Reveal-on-scroll ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity var(--ease-slow), transform var(--ease-slow); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  * { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

/* ---------- Buttons / tap targets (min 60px height) ---------- */
.btn {
  display: inline-block;
  width: 100%;
  max-width: 100%;
  min-width: 0;
  overflow-wrap: anywhere;
  text-align: center;
  padding: 18px 26px;
  font-size: 1.2rem;
  font-weight: 700;
  border-radius: var(--radius-sm);
  border: 0;
  cursor: pointer;
  text-decoration: none;
  min-height: 60px;
  line-height: 1.3;
  transition: background var(--ease), box-shadow var(--ease), transform var(--ease), border-color var(--ease), color var(--ease);
}
a[href^="tel:"] { overflow-wrap: anywhere; }
.btn-primary { background: var(--orange); color: #fff; box-shadow: var(--shadow-btn); }
.btn-primary:hover, .btn-primary:focus-visible { background: var(--orange-hi); box-shadow: var(--shadow-btn-hi); transform: translateY(-1px); }
.btn-primary:active { transform: translateY(0); box-shadow: var(--shadow-btn); }
.btn-call {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,.65);
  margin-top: 12px;
}
.btn-call:hover, .btn-call:focus-visible { background: rgba(255,255,255,.14); border-color: #fff; transform: translateY(-1px); }
.btn-outline {
  background: #fff;
  color: var(--navy);
  border: 2px solid var(--line);
  box-shadow: var(--shadow-sm);
}
.btn-outline:hover, .btn-outline:focus-visible { border-color: var(--navy-mid); background: var(--panel-alt); transform: translateY(-1px); }
.btn-submit { background: var(--orange); color: #fff; font-size: 1.3rem; box-shadow: var(--shadow-btn); }
.btn-submit:hover, .btn-submit:focus-visible { background: var(--orange-hi); box-shadow: var(--shadow-btn-hi); transform: translateY(-1px); }
.btn-inline { display: inline-flex; align-items: center; justify-content: center; gap: 10px; }
.btn .ico { width: 22px; height: 22px; flex: 0 0 auto; }
.btn-link {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--navy-mid); font-weight: 700; text-decoration: none;
  border-bottom: 2px solid transparent; padding-bottom: 2px;
  transition: border-color var(--ease), color var(--ease);
}
.btn-link:hover, .btn-link:focus-visible { border-color: var(--orange-line); color: var(--orange-hi); }
.btn-link .ico { width: 18px; height: 18px; }

/* ---------- Topbar ---------- */
.topbar {
  background: var(--navy-deep);
  color: #eaf1f9;
  text-align: center;
  font-size: .96rem;
  font-weight: 700;
  padding: 9px 16px;
}
.topbar a { color: #ffd08a; text-decoration: none; }
.topbar a:hover, .topbar a:focus-visible { text-decoration: underline; }

/* ---------- Site header / nav (sticky, scroll-aware) ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.98);
  border-bottom: 1px solid var(--line-soft);
  transition: box-shadow var(--ease), border-color var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); border-bottom-color: var(--line); }
.site-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--sp-2);
  padding: 12px 0;
  max-width: 1320px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark { display: block; height: 52px; width: 52px; flex: 0 0 auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1.02; }
.brand-name { font-family: Georgia, 'Times New Roman', serif; font-weight: 700; color: var(--navy); font-size: 1.6rem; letter-spacing: -.01em; }
.brand-sub { color: var(--orange-hi); font-size: .8rem; font-weight: 700; letter-spacing: .34em; text-transform: uppercase; margin-top: 3px; }

.nav-toggle-btn {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  width: 54px;
  height: 54px;
  border: 2px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  cursor: pointer;
  padding: 0;
  flex: 0 0 auto;
}
.nav-toggle-btn span {
  display: block;
  width: 24px;
  height: 3px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform var(--ease), opacity var(--ease);
}
.nav-toggle-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

.site-nav {
  display: flex;
  flex-direction: column;
  width: 100%;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height var(--ease-slow), opacity var(--ease);
  order: 3;
}
.site-nav.is-open { max-height: 640px; opacity: 1; }
.site-nav a {
  display: flex;
  align-items: center;
  min-height: 56px;
  padding: 14px 6px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  border-bottom: 1px solid var(--line-soft);
}
.site-nav a[aria-current="page"] { color: var(--orange-hi); }
.site-nav a.nav-cta {
  justify-content: center;
  color: #fff;
  background: var(--orange);
  border-radius: var(--radius-sm);
  margin: 12px 0;
  border-bottom: 0;
  min-height: 58px;
  box-shadow: var(--shadow-btn);
}
.site-nav a.nav-cta:hover, .site-nav a.nav-cta:focus-visible { background: var(--orange-hi); }

@media (min-width: 1080px) {
  .nav-toggle-btn { display: none; }
  .site-header-inner { flex-wrap: nowrap; }
  .site-nav {
    flex-direction: row;
    align-items: center;
    width: auto;
    max-height: none;
    overflow: visible;
    opacity: 1;
    gap: 2px;
    order: 2;
  }
  .site-nav a {
    min-height: auto;
    padding: 12px 12px;
    font-size: 1.18rem;
    border-bottom: 0;
    border-radius: var(--radius-sm);
    transition: background var(--ease), color var(--ease);
  }
  .site-nav a:not(.nav-cta):hover, .site-nav a:not(.nav-cta):focus-visible { background: var(--panel-alt); }
  .site-nav a.nav-cta { margin: 0 0 0 10px; padding: 16px 26px; min-height: auto; }
  .brand-mark { height: 64px; width: 64px; }
  .brand-name { font-size: 2rem; }
  .brand-sub { font-size: .92rem; }
  .site-nav a.nav-cta:hover, .site-nav a.nav-cta:focus-visible { transform: translateY(-1px); box-shadow: var(--shadow-btn-hi); }
}

/* ---------- Hero (premium layered gradient + watermark) ---------- */
.hero {
  position: relative;
  color: #fff;
  padding: var(--sp-7) 0 var(--sp-8);
  text-align: center;
  overflow: hidden;
  background:
    radial-gradient(130% 140% at 88% -15%, rgba(232,114,28,.34) 0%, rgba(232,114,28,0) 46%),
    radial-gradient(90% 110% at -10% 115%, rgba(28,90,138,.55) 0%, rgba(28,90,138,0) 50%),
    linear-gradient(158deg, var(--navy-deep) 0%, var(--navy) 52%, var(--navy-mid) 100%);
}
.hero-watermark {
  position: absolute;
  right: -8%;
  top: -18%;
  width: 62%;
  max-width: 640px;
  min-width: 340px;
  opacity: .10;
  pointer-events: none;
  z-index: 0;
}
.hero > .wrap, .hero > .hero-grid { position: relative; z-index: 1; }
.hero h1 { color: #fff; font-size: var(--fs-h1); max-width: 24ch; margin-left: auto; margin-right: auto; }
.hero p.sub { font-size: var(--fs-lg); color: #e8f1fb; margin-bottom: var(--sp-4); max-width: 42ch; margin-left: auto; margin-right: auto; }
.hero .btn-primary { color: #fff; }
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.38);
  color: #fff;
  font-size: .95rem;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  margin-bottom: var(--sp-3);
  backdrop-filter: blur(2px);
}
.badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--orange-line); flex: 0 0 auto; }
.hero-cta { display: flex; flex-direction: column; gap: 14px; max-width: 460px; margin-left: auto; margin-right: auto; }
.hero-cta .btn-call { margin-top: 0; }
.hero-grid { display: grid; gap: var(--sp-5); align-items: center; position: relative; }
.hero-photo { max-width: 540px; margin: 6px auto 0; }
.hero-photo img {
  display: block; width: 100%; height: auto;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255,255,255,.28);
  box-shadow: var(--shadow-lg);
}

/* Compact hero variant for interior pages */
.hero-compact { padding: var(--sp-6) 0 var(--sp-7); }
.hero-compact h1 { font-size: clamp(1.9rem, 1.6rem + 1.4vw, 2.6rem); }
.hero-compact p.sub { margin-bottom: 0; }

/* Confirmation checkmark (thanks page) */
.check {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(255,255,255,.14);
  border: 2px solid rgba(255,255,255,.5);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  color: #fff;
}
.check svg { width: 40px; height: 40px; }

/* ---------- Trust row (badge chips) ---------- */
.trust {
  background: var(--panel);
  border-bottom: 1px solid var(--line);
  padding: var(--sp-2) 0;
}
.trust-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.chip {
  display: inline-flex; align-items: center; gap: 9px;
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-pill);
  padding: 10px 16px;
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
  box-shadow: var(--shadow-sm);
}
.chip svg { width: 20px; height: 20px; color: var(--navy-mid); flex: 0 0 auto; }
.chip .lic { font-weight: 600; color: var(--muted); font-size: .9rem; margin-left: 2px; }

/* ---------- How it works (3-step strip) ---------- */
.steps { display: grid; gap: var(--sp-3); }
.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: var(--sp-3) var(--sp-3);
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: transform 180ms var(--ease), box-shadow 180ms var(--ease);
}
.step:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.step-ico {
  width: 62px; height: 62px; margin: 0 auto 8px;
  border-radius: 50%;
  background: var(--panel-alt);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
}
.step-ico svg { width: 30px; height: 30px; }
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--orange); color: #fff;
  font-weight: 800; font-size: 1rem;
  margin-bottom: 10px;
}
.step h3 { margin-bottom: .3em; }
.step p { margin: 0; color: var(--muted); font-size: 1.02rem; }

/* ---------- Education / content cards ---------- */
.cards { display: grid; gap: var(--sp-3); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 4px solid var(--orange-line);
  border-radius: var(--radius-md);
  padding: var(--sp-3);
  box-shadow: var(--shadow-sm);
  transition: transform 180ms var(--ease), box-shadow 180ms var(--ease);
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card h3 { color: var(--navy); }
.card .drug { font-weight: 700; color: var(--orange-hi); }
.card p { margin: 0; }

/* ---------- Service overview cards (homepage) ---------- */
.service-cards { display: grid; gap: var(--sp-3); }
.service-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: var(--sp-4) var(--sp-3);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: transform 180ms var(--ease), box-shadow 180ms var(--ease), border-color 180ms var(--ease);
}
.service-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--line); }
.service-card.is-soon { background: var(--panel); }
.svc-ico {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--panel-alt);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  margin-bottom: 4px;
}
.svc-ico svg { width: 28px; height: 28px; }
.service-card.is-soon .svc-ico { background: #fff; color: var(--muted-2); }
.service-card h3 { margin-bottom: 0; }
.service-card p { color: var(--muted); margin-bottom: 4px; flex: 1 0 auto; }
.badge-tag {
  display: inline-flex; align-items: center; gap: 6px;
  align-self: flex-start;
  font-weight: 700; font-size: .84rem;
  padding: 6px 13px;
  border-radius: var(--radius-pill);
}
.badge-active { background: var(--panel-alt); color: var(--navy); border: 1px solid var(--line); }
.badge-soon { background: #fff; color: var(--orange-hi); border: 1.5px solid var(--orange-line); }
.service-card .svc-link { margin-top: 4px; }

/* ---------- Phone CTA band ---------- */
.phoneband {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(120% 160% at 92% 0%, rgba(232,114,28,.30) 0%, rgba(232,114,28,0) 52%),
    linear-gradient(150deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff;
}
.phoneband .wrap, .phoneband .wrap-wide { padding-top: var(--sp-5); padding-bottom: var(--sp-5); position: relative; z-index: 1; }
.phoneband-inner { display: grid; gap: var(--sp-3); align-items: center; }
.phoneband h2 { color: #fff; margin-bottom: .25em; }
.phoneband p { color: #dbe8f5; margin: 0; }
.phoneband .btn { width: 100%; }
.phoneband-actions { display: grid; gap: 12px; align-items: center; }
.phoneband-actions .btn { margin-top: 0; }

/* ---------- Form ---------- */
.formwrap {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 5px solid var(--orange-line);
  border-radius: var(--radius-lg);
  padding: var(--sp-4) var(--sp-3) var(--sp-4);
  box-shadow: var(--shadow-md);
}
label { display: block; font-weight: 700; margin: 18px 0 6px; color: var(--navy); }
input[type="text"], input[type="tel"], select {
  width: 100%;
  font-size: 1.1rem;
  font-family: inherit;
  padding: 15px 14px;
  border: 2px solid #b9c9d8;
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
  min-height: 56px;
  transition: border-color var(--ease), box-shadow var(--ease);
}
input:focus, select:focus { outline: 3px solid #9cc4ee; border-color: var(--navy-mid); }
.consent {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 22px 0 8px;
  background: var(--panel-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px;
}
.consent input[type="checkbox"] {
  width: 26px; height: 26px;
  min-width: 26px;
  margin-top: 3px;
  accent-color: var(--navy);
}
.consent label { margin: 0; font-weight: 500; font-size: .98rem; color: #24313c; }
.agent-note { font-size: .95rem; color: #33424e; margin: 8px 0 0; }
.err { color: #b3160b; font-weight: 700; font-size: .98rem; margin: 6px 0 0; display: none; }
.err.show { display: block; }
.honeypot { position: absolute; left: -9999px; top: -9999px; width: 1px; height: 1px; overflow: hidden; }

.tpmo {
  font-size: .9rem;
  line-height: 1.55;
  color: var(--muted);
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin: 24px 0 18px;
}

#form-status { margin-top: 16px; font-weight: 700; display: none; }
#form-status.show { display: block; }
#form-status.error { color: #b3160b; }

/* ---------- About page ---------- */
.about-grid { display: grid; gap: var(--sp-4); align-items: start; }
.about-grid h1 { text-align: left; }
.headshot-col { display: flex; flex-direction: column; align-items: center; gap: var(--sp-2); }
.headshot-frame {
  position: relative;
  width: 100%;
  max-width: 280px;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: linear-gradient(160deg, var(--panel-alt), var(--panel));
  border: 1px solid var(--line);
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; justify-content: center;
}
.headshot-img { width: 100%; height: 100%; object-fit: cover; display: block; }
.headshot-fallback { display: none; width: 108px; height: 108px; color: var(--navy-pale); }
.headshot-frame.no-photo .headshot-fallback { display: block; }
.headshot-caption { text-align: center; color: var(--muted); font-size: .92rem; margin: 0; }
.credentials-list { list-style: none; padding: 0; margin: var(--sp-3) 0; display: grid; gap: 10px; }
.credentials-list li {
  display: flex; align-items: flex-start; gap: 10px;
  background: var(--panel); border: 1px solid var(--line);
  border-radius: var(--radius-sm); padding: 12px 14px;
  font-weight: 600; color: var(--navy); margin-bottom: 0;
}
.credentials-list svg { width: 22px; height: 22px; color: var(--orange-hi); flex: 0 0 auto; margin-top: 1px; }

@media (min-width: 760px) {
  .about-grid { grid-template-columns: 280px 1fr; }
}

/* ---------- Coming soon ---------- */
.coming-soon-box {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 5px solid var(--orange-line);
  border-radius: var(--radius-lg);
  padding: var(--sp-4) var(--sp-3);
  box-shadow: var(--shadow-md);
  text-align: center;
  margin-bottom: var(--sp-3);
}
.coming-soon-tag {
  display: inline-block;
  background: var(--panel-alt);
  color: var(--navy);
  font-weight: 700;
  font-size: .9rem;
  padding: 7px 16px;
  border-radius: var(--radius-pill);
  margin-bottom: 16px;
  border: 1px solid var(--line);
}
.coming-soon-box .btn { margin-top: 8px; }

/* ---------- Footer (multi-column + full-width compliance) ---------- */
.site-footer { background: var(--navy-deep); color: #d7e4f2; font-size: .96rem; }
.footer-top { padding: var(--sp-6) 0 var(--sp-4); }
.footer-grid { display: grid; gap: var(--sp-4); }
.footer-brand-lockup { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.brand-mark-footer { display: block; height: 54px; width: 54px; flex: 0 0 auto; }
.brand-name-footer { color: #fff; }
.brand-sub-footer { color: var(--orange-line); }
.footer-brand p { color: #b9cee5; margin: 0 0 .5em; }
.site-footer h4 { color: #fff; font-size: 1.02rem; margin: 0 0 .8em; }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-links a { color: #d7e4f2; text-decoration: none; font-weight: 600; }
.footer-links a:hover, .footer-links a:focus-visible { color: #ffd08a; text-decoration: underline; }
.footer-contact p { margin: 0 0 .6em; color: #d7e4f2; }
.footer-contact a { color: #ffd08a; text-decoration: none; font-weight: 700; }
.footer-contact a:hover, .footer-contact a:focus-visible { text-decoration: underline; }
.footer-license { color: #9fb7cf; font-size: .88rem; margin-top: 10px; }

.footer-compliance {
  background: rgba(0,0,0,.16);
  border-top: 1px solid rgba(255,255,255,.12);
  padding: var(--sp-4) 0 var(--sp-5);
}
.tpmo-footer {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.15);
  color: #cbdaea;
  border-radius: var(--radius-sm);
  padding: 16px;
  margin: 0 0 16px;
  font-size: .88rem;
  line-height: 1.55;
}
.disclaim { font-weight: 700; color: #fff; margin: 10px 0; font-size: .95rem; }
.copyright { font-size: .85rem; color: #9db6cf; margin: 14px 0 0; }

@media (min-width: 640px) {
  .hero { padding: var(--sp-8) 0 calc(var(--sp-8) + 8px); }
  .hero .btn { width: auto; min-width: 250px; }
  .hero-cta { flex-direction: row; align-items: center; max-width: none; }
  .steps { grid-template-columns: repeat(3, 1fr); }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .service-cards { grid-template-columns: repeat(2, 1fr); }
  .phoneband-inner { grid-template-columns: 1fr auto; gap: var(--sp-4); }
  .phoneband .btn { width: auto; min-width: 260px; }
  .phoneband-actions { grid-auto-flow: column; }
  .footer-grid { grid-template-columns: 1.3fr 1fr 1fr; }
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: .95fr 1.05fr; gap: var(--sp-7); text-align: left; }
  .hero-grid h1, .hero-grid p.sub { margin-left: 0; }
  .hero-grid .hero-cta { margin-left: 0; }
  .hero-grid .hero-photo { max-width: none; margin: 0; }
  .hero-compact.hero-center { text-align: center; }
  .hero-compact.hero-center h1, .hero-compact.hero-center p.sub { margin-left: auto; margin-right: auto; }
}
@media (min-width: 1000px) {
  .service-cards { grid-template-columns: repeat(4, 1fr); }
}

/* ---------- 404 ---------- */
.notfound { text-align: center; padding: var(--sp-8) 0; }
.notfound .code {
  font-size: clamp(3.4rem, 3rem + 3vw, 5.5rem);
  font-weight: 800; color: var(--navy); margin: 0 0 .1em; letter-spacing: -.02em;
}
.notfound-actions { display: grid; gap: 12px; max-width: 380px; margin: var(--sp-3) auto 0; }
@media (min-width: 560px) { .notfound-actions { grid-auto-flow: column; max-width: none; justify-content: center; } .notfound-actions .btn { width: auto; min-width: 220px; } }

/* ---------- Legal pages ---------- */
.legal-page h1 { margin-bottom: .2em; }
.legal-page h2 { margin-top: 1.4em; font-size: 1.25rem; }
.legal-page ul { color: var(--ink); }