/* Union Life Benefits — site styles
   Light, professional: white and cool-grey surfaces, navy type and bands, logo blue for action. */
:root {
  --ink: #13213d;
  --ink-soft: #4a5875;
  --navy: #0d2552;
  --navy-deep: #081a3c;
  --blue: #1a5ad7;
  --blue-dark: #1447ad;
  --sky: #e8f0fc;
  --paper: #ffffff;
  --mist: #f4f7fb;
  --line: #dbe3ef;
  --on-navy: #ffffff;
  --on-navy-soft: #bccbe6;
  --ph-bg: #fff6d9;
  --ph-line: #e0b440;
  --ph-text: #6b4e00;
  --error: #b42318;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(13,37,82,.06), 0 8px 24px rgba(13,37,82,.08);
  --gutter: clamp(16px, 5vw, 32px);
  --serif: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Inter", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --sans: -apple-system, BlinkMacSystemFont, "SF Pro Text", "Inter", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color-scheme: light;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 88px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; letter-spacing: -.005em; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--blue-dark); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; border-radius: 4px; }
[hidden] { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -60px; background: var(--navy); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 60; }
.skip:focus { top: 12px; }

.wrap { width: 100%; max-width: 1160px; margin-inline: auto; padding-inline: var(--gutter); }
.narrow { max-width: 820px; }

h1, h2, h3 { margin: 0; line-height: 1.15; text-wrap: balance; color: var(--navy); }
h1 { font-family: var(--serif); font-weight: 700; font-size: clamp(2.3rem, 6.4vw, 3.6rem); letter-spacing: -.025em; line-height: 1.08; }
h2 { font-family: var(--serif); font-weight: 700; font-size: clamp(1.8rem, 4.6vw, 2.5rem); letter-spacing: -.02em; }
h3 { font-family: var(--sans); font-weight: 700; font-size: 1.15rem; line-height: 1.3; }
p { margin: 0; }
.eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); }
.lede { font-size: 1.12rem; color: var(--ink-soft); max-width: 62ch; }
.muted { color: var(--ink-soft); }

/* Placeholder: details only you can supply. Remove the element once filled in. */
.ph { display: inline; background: var(--ph-bg); color: var(--ph-text); border: 1px dashed var(--ph-line); border-radius: 5px; padding: 1px 6px; font-size: .92em; }
p.ph, div.ph { display: block; padding: 8px 10px; font-size: .88rem; line-height: 1.45; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; min-height: 50px; padding: 12px 22px; border-radius: 10px; border: 1.5px solid transparent;
  font: 600 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer; transition: background .15s ease, border-color .15s ease, color .15s ease; text-align: center; }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-dark); color: #fff; }
.btn-outline { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-outline:hover { border-color: var(--navy); color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--sky); color: var(--navy); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .55; cursor: not-allowed; }

/* Top utility bar */
.utility { background: var(--navy-deep); color: var(--on-navy-soft); font-size: .85rem; }
.utility .wrap { display: flex; justify-content: space-between; gap: 12px; padding-block: 7px; flex-wrap: wrap; }
.utility a { color: #fff; text-decoration: none; }
.utility .ph { font-size: .8rem; }
@media (max-width: 640px) { .utility .u-right { display: none; } }

/* Header */
.site-head { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 30; background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand img { width: 48px; height: 48px; }
.brand-name { display: grid; line-height: 1.1; }
.brand-name b { font-family: var(--serif); font-weight: 700; font-size: 1.2rem; letter-spacing: .005em; }
.brand-name small { font-size: .72rem; color: var(--ink-soft); letter-spacing: .08em; text-transform: uppercase; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .98rem; }
.nav a:hover { color: var(--blue); }
.nav .btn { min-height: 44px; padding: 10px 18px; }
.menu-btn { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; color: var(--navy); cursor: pointer; place-items: center; }
.menu-btn svg { width: 22px; height: 22px; }
@media (max-width: 900px) {
  .menu-btn { display: grid; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px var(--gutter) 16px; display: none; box-shadow: var(--shadow); }
  .nav.open { display: flex; }
  .nav a { padding: 13px 2px; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 12px; border-bottom: 0; }
}

/* Hero */
.hero { background: linear-gradient(180deg, var(--mist), #fff); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; gap: 36px; padding-block: 44px 56px; }
.hero-copy { display: grid; gap: 20px; align-content: center; }
.hero-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; max-width: 460px; }
@media (max-width: 420px) { .hero-actions { grid-template-columns: 1fr; } }
.checks { list-style: none; margin: 4px 0 0; padding: 0; display: grid; gap: 8px; color: var(--ink-soft); font-size: .98rem; }
.checks li { display: flex; gap: 10px; align-items: flex-start; }
.checks svg { flex: none; width: 20px; height: 20px; margin-top: 3px; color: var(--blue); }
@media (min-width: 960px) { .hero .wrap { grid-template-columns: 1.1fr .9fr; align-items: center; gap: 56px; padding-block: 72px 80px; } }

/* Start card (the embedded questionnaire entry) */
.start-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow); overflow: hidden; }
.start-head { background: var(--navy); color: #fff; padding: 20px 22px; display: flex; gap: 14px; align-items: center; }
.start-head img { width: 52px; height: 52px; flex: none; }
.start-head h2 { color: #fff; font-size: 1.35rem; }
.start-head p { color: var(--on-navy-soft); font-size: .92rem; }
.start-body { padding: 22px; display: grid; gap: 14px; }
.start-body .q { font-weight: 700; font-size: 1.08rem; color: var(--navy); }
.quick { display: grid; gap: 10px; }
.quick button { display: flex; justify-content: space-between; align-items: center; width: 100%; min-height: 54px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; font: 500 1.02rem var(--sans); color: var(--ink); cursor: pointer; text-align: left; }
.quick button:hover { border-color: var(--blue); background: var(--sky); }
.quick button svg { width: 18px; height: 18px; color: var(--blue); }
.start-foot { display: flex; gap: 8px; align-items: center; font-size: .85rem; color: var(--ink-soft); border-top: 1px solid var(--line); padding: 14px 22px; background: var(--mist); }
.start-foot svg { width: 16px; height: 16px; flex: none; }

/* Trust strip */
.trust { border-bottom: 1px solid var(--line); background: #fff; }
.trust ul { list-style: none; margin: 0; padding: 22px 0; display: grid; gap: 18px; }

@media (min-width: 900px) { .trust ul { grid-template-columns: repeat(3, 1fr); } }
.trust li { display: flex; gap: 12px; align-items: flex-start; }
.trust .ic { flex: none; width: 40px; height: 40px; border-radius: 10px; background: var(--sky); color: var(--blue); display: grid; place-items: center; }
.trust .ic svg { width: 20px; height: 20px; }
.trust b { display: block; color: var(--navy); font-size: .98rem; line-height: 1.3; }
.trust div > span { display: block; font-size: .86rem; color: var(--ink-soft); line-height: 1.4; }

/* Sections */
.section { padding-block: 72px; }
.section.tint { background: var(--mist); border-block: 1px solid var(--line); }
.section-head { display: grid; gap: 12px; margin-bottom: 36px; max-width: 720px; }

.grid-3 { display: grid; gap: 18px; }
@media (min-width: 820px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; display: grid; gap: 12px; align-content: start; }
.card .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--sky); color: var(--blue); display: grid; place-items: center; }
.card .ic svg { width: 24px; height: 24px; }
.card .when { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--blue); }
.card p { color: var(--ink-soft); }
.note { margin-top: 22px; font-size: .92rem; color: var(--ink-soft); }

/* Steps: an actual sequence */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; counter-reset: s; }
@media (min-width: 820px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.steps li { counter-increment: s; display: grid; gap: 10px; align-content: start; padding-top: 18px; border-top: 2px solid var(--navy); }
.steps li::before { content: counter(s); font-family: var(--serif); font-size: 2.2rem; font-weight: 700; color: var(--blue); line-height: 1; }
.steps p { color: var(--ink-soft); }
.after { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 16px 28px; align-items: center; justify-content: space-between; padding: 22px 24px; border-radius: var(--radius); background: var(--sky); }
.after p { max-width: 62ch; color: var(--ink); }

/* About */
.about { display: grid; gap: 36px; }
@media (min-width: 900px) { .about { grid-template-columns: .9fr 1.1fr; align-items: center; gap: 60px; } }
.about-photo { border-radius: 16px; overflow: hidden; aspect-ratio: 4 / 3; max-width: 100%; background: var(--navy); }
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 62%; }
.about-copy { display: grid; gap: 18px; }
.values { list-style: none; margin: 6px 0 0; padding: 0; display: grid; gap: 14px; }
.values li { display: grid; gap: 2px; padding-left: 16px; border-left: 3px solid var(--blue); }
.values b { color: var(--navy); }
.values span { color: var(--ink-soft); font-size: .97rem; }

/* FAQ */
.faq { display: grid; gap: 0; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 20px 44px 20px 0; font-weight: 600; font-size: 1.06rem; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 10px; height: 10px; border-right: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: translateY(-70%) rotate(45deg); transition: transform .15s ease; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq .ans { padding: 0 0 20px; display: grid; gap: 10px; color: var(--ink-soft); max-width: 68ch; }

/* Contact */
.contact-grid { display: grid; gap: 16px; }
@media (min-width: 760px) { .contact-grid { grid-template-columns: repeat(2, 1fr); } }

.contact-item { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; display: grid; gap: 6px; align-content: start; background: #fff; }
.contact-item .lbl { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-soft); }
.contact-item .val { font-weight: 600; color: var(--navy); overflow-wrap: anywhere; }

/* CTA band */
.band { background: var(--navy); color: #fff; }
.band .wrap { padding-block: 56px; display: grid; gap: 22px; }
@media (min-width: 820px) { .band .wrap { grid-template-columns: 1fr auto; align-items: center; } }
.band h2 { color: #fff; }
.band p { color: var(--on-navy-soft); margin-top: 8px; }

/* Footer */
.site-foot { background: var(--navy-deep); color: var(--on-navy-soft); font-size: .93rem; }
.site-foot .wrap { padding-block: 52px 40px; display: grid; gap: 36px; }
.foot-top { display: grid; gap: 30px; }
@media (min-width: 860px) { .foot-top { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.site-foot .brand { color: #fff; }
.site-foot .brand-name small { color: var(--on-navy-soft); }
.site-foot h3 { color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 12px; }
.site-foot ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.site-foot a { color: #fff; text-decoration: none; }
.site-foot a:hover { text-decoration: underline; }
.disclosures { border-top: 1px solid rgba(255,255,255,.14); padding-top: 24px; display: grid; gap: 10px; font-size: .84rem; line-height: 1.55; }
.site-foot .ph { background: rgba(255,214,102,.12); color: #ffe39a; border-color: rgba(255,214,102,.5); }

/* Legal pages */
.legal { padding-block: 56px 80px; }
.legal h1 { margin-bottom: 12px; }
.legal h2 { font-size: 1.45rem; margin: 34px 0 8px; }
.legal p, .legal li { color: var(--ink-soft); max-width: 70ch; }
.legal p + p { margin-top: 10px; }

/* ---------- Questionnaire dialog ---------- */
.flow { border: 0; padding: 0; margin: 0; max-width: none; max-height: none; width: 100%; height: 100%; background: #fff; color: var(--ink); }
.flow::backdrop { background: rgba(8,26,60,.55); }
@media (min-width: 760px) { .flow { width: min(600px, calc(100% - 48px)); height: min(780px, calc(100% - 48px)); margin: auto; border-radius: 18px; box-shadow: 0 30px 80px rgba(8,26,60,.35); } }
.flow-inner { height: 100%; display: flex; flex-direction: column; }
.flow-top { padding: calc(12px + env(safe-area-inset-top, 0px)) 16px 12px; display: grid; gap: 12px; border-bottom: 1px solid var(--line); }
.flow-bar { display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.flow-brand { display: flex; align-items: center; gap: 10px; }
.flow-brand img { width: 38px; height: 38px; }
.flow-brand strong { font-family: var(--serif); color: var(--navy); font-size: 1.05rem; }
.icon-btn { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 10px; border: 0; background: transparent; color: var(--navy); cursor: pointer; }
.icon-btn:hover { background: var(--mist); }
.icon-btn svg { width: 22px; height: 22px; }
.progress { display: grid; grid-auto-flow: column; gap: 4px; }
.progress i { height: 4px; border-radius: 2px; background: var(--line); }
.progress i.done { background: var(--blue); }
.progress-label { font-size: .82rem; color: var(--ink-soft); }
.flow-body { flex: 1; overflow-y: auto; padding: 26px 20px; }
.step { display: grid; gap: 16px; max-width: 480px; margin-inline: auto; }
.step h2 { font-family: var(--serif); font-size: 1.6rem; }
.step .hint { color: var(--ink-soft); }
.choices { display: grid; gap: 10px; border: 0; margin: 0; padding: 0; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice label { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 56px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 10px; font-size: 1.05rem; cursor: pointer; background: #fff; }
.choice label::after { content: ""; width: 22px; height: 22px; border-radius: 50%; border: 2px solid #9aa8c2; flex: none; }
.choice input:hover + label { border-color: var(--blue); }
.choice input:checked + label { border-color: var(--blue); background: var(--sky); }
.choice input:checked + label::after { border-color: var(--blue); background: radial-gradient(circle, var(--blue) 0 42%, transparent 46%); }
.choice input:focus-visible + label { outline: 3px solid var(--blue); outline-offset: 2px; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 600; font-size: .95rem; color: var(--navy); }
.field .opt { color: var(--ink-soft); font-weight: 400; }
.field input, .field select { width: 100%; min-height: 52px; padding: 10px 14px; font: inherit; font-size: 1.05rem; color: var(--ink); background: #fff; border: 1.5px solid var(--line); border-radius: 10px; }
.field input:focus, .field select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,90,215,.18); }
.field [aria-invalid="true"] { border-color: var(--error); }
.row2 { display: grid; gap: 12px; }
@media (min-width: 480px) { .row2 { grid-template-columns: 1fr 1fr; } }
.err { color: var(--error); font-size: .93rem; min-height: 1.2em; }
.consent { display: grid; grid-template-columns: 24px 1fr; gap: 10px; align-items: start; font-size: .88rem; line-height: 1.5; color: var(--ink-soft); background: var(--mist); border: 1px solid var(--line); border-radius: 10px; padding: 14px; }
.consent input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--blue); }
.privacy-note { font-size: .88rem; color: var(--ink-soft); }
.flow-foot { padding: 12px 20px calc(14px + env(safe-area-inset-bottom, 0px)); border-top: 1px solid var(--line); }
.flow-foot .inner { max-width: 480px; margin-inline: auto; display: flex; gap: 10px; }
.flow-foot .btn { flex: 1; }
.flow-foot #flow-back { flex: 0 0 auto; min-width: 100px; }
.done { text-align: center; justify-items: center; }
.done .check { width: 64px; height: 64px; border-radius: 50%; background: var(--sky); color: var(--blue); display: grid; place-items: center; }
.done .check svg { width: 34px; height: 34px; }
.done ol { text-align: left; margin: 0; padding-left: 1.2em; display: grid; gap: 8px; color: var(--ink-soft); }
.notice { font-size: .9rem; border-radius: 10px; padding: 10px 12px; background: var(--ph-bg); border: 1px dashed var(--ph-line); color: var(--ph-text); text-align: left; }

/* ---------- Photo hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--navy); border-bottom: 0; }
.hero-media { position: relative; height: 190px; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: center 58%; }
.hero-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(13,37,82,0) 45%, var(--navy) 100%); }
.hero .wrap { position: relative; z-index: 1; padding-block: 8px 56px; }
.hero h1 { color: #fff; }
.hero .eyebrow { color: #9cc2ff; }
.hero .lede { color: var(--on-navy-soft); }
.hero .checks { color: #dbe6f7; }
.hero .checks svg { color: #9cc2ff; }
.hero .btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.hero .btn-outline:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,.06); }
.start-card { box-shadow: 0 24px 60px rgba(4,14,36,.45); border: 0; }
@media (min-width: 960px) {
  .hero-media { position: absolute; top: 0; right: 0; bottom: 0; width: 46%; height: auto; }
  .hero-media::after { background: linear-gradient(90deg, var(--navy) 0%, rgba(13,37,82,.55) 30%, rgba(13,37,82,.05) 70%); }
  .hero .wrap { padding-block: 84px 92px; }
  .start-card { max-width: 420px; justify-self: end; }
}
.start-head h2 { color: #fff; font-size: 1.4rem; }

/* Reviews */
.review { gap: 16px; }
.review .stars { display: flex; gap: 3px; color: #f2b01e; }
.review .stars svg { width: 18px; height: 18px; }
.review blockquote { margin: 0; font-family: var(--serif); font-size: 1.1rem; color: var(--ink); line-height: 1.5; }
.review figcaption { display: grid; gap: 2px; font-size: .92rem; color: var(--ink-soft); }
.review figcaption b { color: var(--navy); }

/* Photo slot awaiting a real team photo */
.photo-slot { display: grid; place-items: center; align-content: center; gap: 16px; background: linear-gradient(135deg, var(--sky), #fff); border: 1px dashed var(--line); padding: 24px; text-align: center; }
.photo-slot img { width: 120px; height: 120px; }
.review .qmark { font-family: Georgia, "Times New Roman", serif; font-size: 3.4rem; line-height: .6; color: var(--blue); height: 26px; }
.review blockquote { font-family: var(--sans); font-size: 1.05rem; }
.more-row { display: flex; justify-content: center; margin-top: 24px; }

#reviews .note { text-align: center; }
.review { margin: 0; }
.reviews { display: block; columns: 3 300px; column-gap: 18px; }
.reviews .review { break-inside: avoid; margin-bottom: 18px; }

/* ---------- Hero v3: photo behind the headline ---------- */
.hero { background: var(--navy); }
.hero-media { position: absolute; top: 0; left: 0; right: 0; height: 360px; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: center 78%; }
.hero-media::after { background: linear-gradient(180deg, rgba(13,37,82,.05) 30%, rgba(13,37,82,.75) 72%, var(--navy) 100%); }
.hero .wrap { padding-block: 290px 52px; display: block; }
.hero-copy { gap: 18px; max-width: 600px; }
.hero h1 { text-shadow: 0 2px 18px rgba(4,14,36,.45); }
.start-card { background: #fff; border-radius: 14px; padding: 18px; display: grid; gap: 12px; max-width: 560px; box-shadow: 0 18px 50px rgba(4,14,36,.35); justify-self: stretch; }
.start-card .q { font-weight: 700; color: var(--navy); font-size: 1.02rem; line-height: 1.4; }
.start-card .quick { display: grid; gap: 8px; }
.start-card .quick button { min-height: 52px; }
.start-card .start-foot { border: 0; background: none; padding: 0; font-size: .84rem; }
@media (min-width: 560px) { .start-card .quick { grid-template-columns: repeat(3, 1fr); } .start-card .quick button { justify-content: center; gap: 8px; } }
@media (min-width: 960px) {
  .hero { min-height: 640px; }
  .hero-media { left: auto; width: 58%; height: 100%; bottom: 0; }
  .hero-media img { object-position: 40% 72%; }
  .hero-media::after { background: linear-gradient(90deg, var(--navy) 0%, rgba(13,37,82,.85) 18%, rgba(13,37,82,.25) 45%, rgba(13,37,82,0) 70%); }
  .hero .wrap { padding-block: 76px 84px; }
  .hero-copy { max-width: 560px; }
}

.contact-grid { max-width: 760px; }
a.val { text-decoration: none; }
a.val:hover { color: var(--blue); }
@media (max-width: 959px) {
  .hero-media { height: 330px; }
  .hero-media img { object-position: center 90%; }
  .hero .wrap { padding-top: 300px; }
}
#about .values { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; }
@media (min-width: 560px) and (max-width: 959px) {
  .hero-media { height: 440px; }
  .hero-media img { object-position: center 73%; }
  .hero .wrap { padding-top: 400px; }
}
@media (min-width: 720px) and (max-width: 959px) {
  .hero-media { top: 0; bottom: 0; left: auto; right: 0; width: 55%; height: auto; }
  .hero-media img { object-position: 40% 72%; }
  .hero-media::after { background: linear-gradient(90deg, var(--navy) 0%, rgba(13,37,82,.85) 22%, rgba(13,37,82,.3) 55%, rgba(13,37,82,0) 80%); }
  .hero .wrap { padding-block: 64px 72px; }
  .hero-copy { max-width: 470px; }
  .start-card .quick { grid-template-columns: 1fr; }
}

/* Call options */
.call-line { color: var(--on-navy-soft); font-size: .98rem; }
.call-line a { color: #fff; font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.call-line a:hover { text-decoration: underline; color: #fff; }
.call-line svg { width: 17px; height: 17px; }
.band-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn-ghost-light:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,.08); }
.head-call { display: none; width: 44px; height: 44px; border-radius: 10px; background: var(--blue); color: #fff; place-items: center; margin-left: auto; }
.head-call svg { width: 20px; height: 20px; }
@media (max-width: 900px) { .head-call { display: grid; } .site-head .wrap { gap: 10px; } }

/* ---------- Phone hero v4: photo sits behind the headline ---------- */
@media (max-width: 719px) {
  .utility { display: none; }
  .hero-media { position: absolute; top: 0; left: 0; right: 0; bottom: 0; height: auto; width: auto; }
  .hero-media img { object-position: center 30%; }
  .hero-media::after { background: linear-gradient(180deg, rgba(13,37,82,.55) 0%, rgba(13,37,82,.82) 38%, rgba(13,37,82,.94) 70%, var(--navy) 100%); }
  .hero .wrap { padding-top: 34px; padding-bottom: 40px; }
  .hero h1 { font-size: 2.3rem; }
  .hero .lede { font-size: 1.02rem; }
  .hero-copy { gap: 14px; }
  .start-card { padding: 16px; }
}

/* ---------- Desktop/tablet hero v4: same look as phones, photo behind the headline ---------- */
@media (min-width: 720px) {
  .utility { display: block; }
  .hero { min-height: 0; }
  .hero-media { position: absolute; top: 0; left: 0; right: 0; bottom: 0; width: auto; height: auto; }
  .hero-media img { object-position: center 28%; filter: blur(1.5px); transform: scale(1.03); }
  .hero-media::after { background: linear-gradient(90deg, rgba(13,37,82,.95) 0%, rgba(13,37,82,.86) 45%, rgba(13,37,82,.62) 100%), linear-gradient(180deg, rgba(13,37,82,0) 60%, var(--navy) 100%); }
  .hero .wrap { padding-block: 72px 80px; }
  .hero-copy { max-width: 620px; }
  .start-card .quick { grid-template-columns: repeat(3, 1fr); }
}

/* Verification code screen */
.otp-input { font-size: 2rem !important; letter-spacing: .5em; text-align: center; font-variant-numeric: tabular-nums; max-width: 280px; }
.otp-links { font-size: .95rem; color: var(--ink-soft); }
.linklike { background: none; border: 0; padding: 0; font: inherit; color: var(--blue); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.linklike[disabled] { color: var(--ink-soft); text-decoration: none; cursor: default; }

/* Insurance companies we work with */
.carriers-sec { padding-top: 0; }
.carriers { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (min-width: 720px) { .carriers { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.carriers li { display: grid; place-items: center; min-height: 96px; padding: 16px 12px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.carriers img { width: auto; max-width: 88%; object-fit: contain; }
.more-line { margin-top: 16px; font-weight: 600; color: var(--navy); }

/* Who we help */
.who { background: #fff; border-bottom: 1px solid var(--line); }
.who .wrap { padding-block: 20px 22px; display: grid; gap: 10px; }
.who-label { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-soft); }
.who-list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.who-list li { padding: 7px 14px; border-radius: 999px; background: var(--sky); color: var(--navy); font-weight: 600; font-size: .92rem; }

/* Meet your agent */
.agents { margin-top: 36px; display: grid; gap: 14px; }
.agents-h { font-size: 1.3rem; }
.agent-card { display: grid; grid-template-columns: 120px 1fr; gap: 22px; align-items: center; padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: var(--shadow); }
.agent-card img { width: 120px; height: 120px; border-radius: 14px; object-fit: cover; }
.agent-info { display: grid; gap: 4px; min-width: 0; }
.agent-info b { font-family: var(--serif); font-size: 1.35rem; color: var(--navy); }
.agent-role { color: var(--ink); font-weight: 500; }
.agent-meta { color: var(--ink-soft); font-size: .9rem; font-variant-numeric: tabular-nums; }
.agent-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; }
.agent-actions .btn { min-height: 44px; padding: 10px 18px; }
@media (max-width: 560px) {
  .agent-card { grid-template-columns: 1fr; justify-items: start; }
  .agent-actions, .agent-actions .btn { width: 100%; }
}

/* Bigger logo on computers (phones unchanged) */
@media (min-width: 901px) {
  .site-head .wrap { min-height: 92px; }
  .site-head .brand { gap: 14px; }
  .site-head .brand img { width: 68px; height: 68px; }
  .site-head .brand-name b { font-size: 1.45rem; }
  .site-head .brand-name small { font-size: .8rem; }
  html { scroll-padding-top: 108px; }
}

.agent-initials { width: 120px; height: 120px; border-radius: 14px; background: var(--blue); color: #fff; display: grid; place-items: center; font-family: var(--serif); font-weight: 700; font-size: 2.6rem; }

/* Coverage calculator */
.calc-sec { background: var(--sky); border-block: 1px solid var(--line); }
.calc { display: grid; gap: 22px; align-items: start; }
@media (min-width: 960px) { .calc { grid-template-columns: 1.35fr 1fr; gap: 28px; } }
.calc-form { display: grid; gap: 14px; min-width: 0; }
.calc-form fieldset { margin: 0; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; padding: 18px 18px 20px; display: grid; gap: 12px; min-width: 0; }
.calc-form legend { padding: 0 6px; margin-left: -6px; font-weight: 700; color: var(--navy); font-size: 1rem; }
.calc-row { display: grid; gap: 12px; }
@media (min-width: 560px) { .calc-row { grid-template-columns: 1fr 1fr; } .calc-row-3 { grid-template-columns: .7fr 1fr 1fr; } }
.calc-form label { display: grid; gap: 6px; align-content: start; font-size: .9rem; font-weight: 600; color: var(--ink-soft); min-width: 0; }
.calc-form input { width: 100%; min-height: 48px; padding: 10px 12px; font: inherit; font-size: 1.05rem; font-weight: 600; color: var(--ink); background: #fff; border: 1.5px solid var(--line); border-radius: 10px; font-variant-numeric: tabular-nums; }
.calc-form input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,90,215,.18); }
.calc-money { position: relative; display: block; }
.calc-money::before { content: "$"; position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--ink-soft); font-weight: 600; pointer-events: none; }
.calc-money input { padding-left: 26px; }
.calc-tip { font-size: .86rem; color: var(--ink-soft); }
.calc-result { background: var(--navy); color: #fff; border-radius: 16px; padding: 26px 24px; display: grid; gap: 12px; box-shadow: var(--shadow); min-width: 0; }
@media (min-width: 960px) { .calc-result { position: sticky; top: 110px; } }
.calc-label { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: #9cc2ff; }
.calc-total { font-family: var(--serif); font-weight: 700; font-size: clamp(2.4rem, 7vw, 3.2rem); line-height: 1; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.calc-note { color: var(--on-navy-soft); font-size: .95rem; min-height: 1.4em; }
.calc-break { margin: 4px 0 6px; display: grid; gap: 0; border-top: 1px solid rgba(255,255,255,.14); }
.calc-break div { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.14); font-size: .93rem; }
.calc-break dt { color: var(--on-navy-soft); }
.calc-break dd { margin: 0; font-weight: 600; font-variant-numeric: tabular-nums; }
.calc-break .minus dd { color: #9cc2ff; }
.calc-fine { font-size: .8rem; color: var(--on-navy-soft); line-height: 1.5; }
.calc-home { display: flex; flex-wrap: wrap; gap: 8px; }
.calc-form .calc-chip { display: inline-flex; align-items: center; gap: 8px; padding: 9px 14px; border: 1.5px solid var(--line); border-radius: 999px; font-size: .92rem; font-weight: 600; color: var(--ink); cursor: pointer; background: #fff; }
.calc-form .calc-chip input { accent-color: var(--blue); width: 16px; height: 16px; margin: 0; min-height: 0; }
.calc-chip:has(input:checked) { border-color: var(--blue); background: var(--sky); }