/* ===========================================================
   Auto Insurance Supports — Core Stylesheet
   =========================================================== */

:root{
  --navy-900:#071a33;
  --navy-800:#0b2545;
  --navy-700:#13315c;
  --navy-600:#1d4573;
  --ink:#16202c;
  --slate:#5a6a7d;
  --line:#e4e9f0;
  --cloud:#f5f7fa;
  --paper:#ffffff;
  --gold:#c9992b;
  --gold-soft:#f3e6c6;
  --teal:#0f7b76;
  --radius-s:10px;
  --radius:16px;
  --radius-l:26px;
  --shadow-s:0 2px 10px rgba(11,37,69,.06);
  --shadow:0 18px 44px -24px rgba(11,37,69,.35);
  --shadow-l:0 40px 80px -40px rgba(11,37,69,.45);
  --maxw:1180px;
  --ease:cubic-bezier(.22,.78,.3,1);
  --sans:"Plus Jakarta Sans","Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --serif:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,"Times New Roman",serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--paper);
  font-size:17px;
  line-height:1.68;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}

h1,h2,h3,h4{font-family:var(--serif);color:var(--navy-800);line-height:1.15;margin:0 0 .6em;font-weight:600;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,5.2vw,3.7rem)}
h2{font-size:clamp(1.7rem,3.6vw,2.6rem)}
h3{font-size:clamp(1.12rem,1.7vw,1.32rem)}
p{margin:0 0 1.1em}
.lead{font-size:clamp(1.02rem,1.5vw,1.16rem);color:var(--slate)}

.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:22px}
.section{padding:clamp(64px,8vw,116px) 0;position:relative}
.section--tint{background:linear-gradient(180deg,#fbfcfe 0%,var(--cloud) 100%)}
.section--navy{background:var(--navy-800);color:#dce6f2}
.section--navy h2,.section--navy h3{color:#fff}

/* ---------- small parts ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-size:.74rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;
  color:var(--navy-600);margin-bottom:16px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);border-radius:2px}
.section--navy .eyebrow{color:var(--gold-soft)}

.head{max-width:720px;margin-bottom:clamp(34px,4vw,56px)}
.head--center{margin-inline:auto;text-align:center}

.btn{
  --bg:var(--navy-800);--fg:#fff;
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:var(--bg);color:var(--fg);
  padding:15px 28px;border-radius:999px;border:1px solid transparent;
  font-weight:700;font-size:.97rem;letter-spacing:.01em;cursor:pointer;
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),background .25s,color .25s;
  box-shadow:0 14px 26px -16px rgba(7,26,51,.7);position:relative;overflow:hidden;
}
.btn:hover{transform:translateY(-3px);box-shadow:0 22px 36px -18px rgba(7,26,51,.75)}
.btn:active{transform:translateY(-1px)}
.btn svg{width:18px;height:18px;flex:none}
.btn--gold{--bg:var(--gold);--fg:#241b02;box-shadow:0 14px 26px -16px rgba(201,153,43,.9)}
.btn--ghost{--bg:transparent;--fg:var(--navy-800);border-color:rgba(11,37,69,.22);box-shadow:none}
.btn--ghost:hover{background:rgba(11,37,69,.05)}
.btn--light{--bg:#fff;--fg:var(--navy-800)}
.btn--block{width:100%}

.chip{
  display:inline-flex;align-items:center;gap:9px;
  background:rgba(255,255,255,.72);border:1px solid var(--line);
  padding:8px 16px 8px 11px;border-radius:999px;
  font-size:.82rem;font-weight:600;color:var(--navy-700);
  backdrop-filter:blur(6px);
}
.chip .dot{width:7px;height:7px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(15,123,118,.15)}

/* ---------- header ---------- */
.topbar{
  background:var(--navy-900);color:#b9cbe2;font-size:.82rem;
  border-bottom:1px solid rgba(255,255,255,.07);
}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;min-height:42px;flex-wrap:wrap}
.topbar a{color:#dbe7f5;font-weight:600}
.topbar a:hover{color:#fff}
.topbar .tb-left{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.topbar svg{width:14px;height:14px;vertical-align:-2px;margin-right:6px;opacity:.75}

.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:box-shadow .3s,border-color .3s}
.site-header.is-stuck{box-shadow:0 10px 30px -22px rgba(11,37,69,.6);border-color:var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:78px}

.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand__mark{
  width:44px;height:44px;border-radius:13px;flex:none;
  background:linear-gradient(145deg,var(--navy-700),var(--navy-900));
  display:grid;place-items:center;box-shadow:0 10px 22px -14px rgba(11,37,69,.9);
}
.brand__mark svg{width:23px;height:23px}
.brand__name{font-family:var(--serif);font-weight:600;font-size:1.12rem;line-height:1.1;color:var(--navy-800);letter-spacing:-.01em}
.brand__sub{display:block;font-family:var(--sans);font-size:.635rem;letter-spacing:.2em;text-transform:uppercase;color:var(--slate);font-weight:700;margin-top:3px}

.menu{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.menu a{font-size:.94rem;font-weight:600;color:var(--navy-700);position:relative;padding:6px 0}
.menu a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--gold);transition:width .3s var(--ease)}
.menu a:hover::after,.menu a.active::after{width:100%}
.nav__cta{display:flex;align-items:center;gap:14px}
.nav__phone{display:flex;flex-direction:column;line-height:1.15;text-align:right}
.nav__phone span{font-size:.68rem;text-transform:uppercase;letter-spacing:.14em;color:var(--slate);font-weight:700}
.nav__phone strong{font-size:1.04rem;color:var(--navy-800);font-weight:800;letter-spacing:.01em}

.burger{display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--line);background:#fff;cursor:pointer;position:relative}
.burger i{position:absolute;left:13px;right:13px;height:2px;background:var(--navy-800);border-radius:2px;transition:transform .3s var(--ease),opacity .2s}
.burger i:nth-child(1){top:17px}
.burger i:nth-child(2){top:22px}
.burger i:nth-child(3){top:27px}
.burger.is-open i:nth-child(1){transform:translateY(5px) rotate(45deg)}
.burger.is-open i:nth-child(2){opacity:0}
.burger.is-open i:nth-child(3){transform:translateY(-5px) rotate(-45deg)}

.drawer{
  position:fixed;inset:0 0 0 auto;width:min(360px,86vw);background:#fff;z-index:90;
  transform:translateX(104%);transition:transform .45s var(--ease);
  padding:26px 24px;display:flex;flex-direction:column;gap:6px;box-shadow:var(--shadow-l);overflow-y:auto;
}
.drawer.is-open{transform:none}
.drawer a{padding:14px 4px;border-bottom:1px solid var(--line);font-weight:600;color:var(--navy-800)}
.drawer .btn{margin-top:18px}
.drawer__close{align-self:flex-end;background:none;border:0;font-size:1.6rem;line-height:1;color:var(--slate);cursor:pointer;margin-bottom:6px}
.scrim{position:fixed;inset:0;background:rgba(7,26,51,.45);opacity:0;pointer-events:none;transition:opacity .35s;z-index:80;backdrop-filter:blur(2px)}
.scrim.is-on{opacity:1;pointer-events:auto}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:linear-gradient(160deg,#fff 0%,#f3f6fb 48%,#eaf0f8 100%)}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;filter:blur(70px);opacity:.5;z-index:0;animation:drift 18s ease-in-out infinite alternate}
.hero::before{width:420px;height:420px;background:rgba(29,69,115,.20);top:-130px;left:-110px}
.hero::after{width:380px;height:380px;background:rgba(201,153,43,.18);bottom:-150px;right:-80px;animation-delay:-7s}
@keyframes drift{to{transform:translate3d(40px,30px,0) scale(1.12)}}

.hero__grid{position:relative;z-index:1;display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(30px,5vw,62px);align-items:center;padding:clamp(52px,6.5vw,90px) 0 clamp(60px,7vw,100px)}
.hero h1{margin-bottom:.45em}
.hero h1 .accent{position:relative;white-space:nowrap}
.hero h1 .accent::after{content:"";position:absolute;left:0;right:0;bottom:.07em;height:.34em;background:linear-gradient(90deg,rgba(201,153,43,.42),rgba(201,153,43,.12));z-index:-1;border-radius:3px;transform:scaleX(0);transform-origin:left;animation:swipe 1.1s .5s var(--ease) forwards}
@keyframes swipe{to{transform:scaleX(1)}}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin:30px 0 24px}
.hero__note{display:flex;align-items:flex-start;gap:10px;font-size:.88rem;color:var(--slate);max-width:470px}
.hero__note svg{width:17px;height:17px;flex:none;margin-top:3px;color:var(--teal)}

.hero__media{position:relative}
.hero__media img{border-radius:var(--radius-l);box-shadow:var(--shadow-l);width:100%;height:clamp(320px,42vw,500px);object-fit:cover}
.hero__media::after{content:"";position:absolute;inset:16px -16px -16px 16px;border:1px solid rgba(11,37,69,.14);border-radius:var(--radius-l);z-index:-1}
.hero__card{
  position:absolute;left:-26px;bottom:34px;background:#fff;border-radius:var(--radius);
  padding:16px 20px;box-shadow:var(--shadow);display:flex;gap:13px;align-items:center;max-width:270px;
  animation:float 6s ease-in-out infinite;
}
@keyframes float{50%{transform:translateY(-12px)}}
.hero__card .ico{width:40px;height:40px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;flex:none}
.hero__card .ico svg{width:20px;height:20px;color:#8a660f}
.hero__card b{display:block;font-size:.93rem;color:var(--navy-800);font-family:var(--serif)}
.hero__card span{font-size:.79rem;color:var(--slate);line-height:1.4;display:block}

/* ---------- marquee strip ---------- */
.strip{background:var(--navy-900);color:#c4d6ec;padding:16px 0;overflow:hidden;position:relative}
.strip::before,.strip::after{content:"";position:absolute;top:0;bottom:0;width:90px;z-index:2;pointer-events:none}
.strip::before{left:0;background:linear-gradient(90deg,var(--navy-900),transparent)}
.strip::after{right:0;background:linear-gradient(270deg,var(--navy-900),transparent)}
.marquee{display:flex;gap:52px;width:max-content;animation:scrollx 34s linear infinite}
.strip:hover .marquee{animation-play-state:paused}
@keyframes scrollx{to{transform:translateX(-50%)}}
.marquee span{display:inline-flex;align-items:center;gap:11px;font-size:.84rem;font-weight:600;letter-spacing:.04em;white-space:nowrap}
.marquee span::before{content:"";width:6px;height:6px;background:var(--gold);border-radius:50%;flex:none}

/* ---------- cards ---------- */
.grid{display:grid;gap:22px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;position:relative;overflow:hidden;
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .3s;
}
.card::before{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),#e8c766);transition:width .45s var(--ease)}
.card:hover{transform:translateY(-7px);box-shadow:var(--shadow);border-color:#d6dfeb}
.card:hover::before{width:100%}
.card__ico{width:50px;height:50px;border-radius:14px;background:linear-gradient(145deg,#eef3fa,#dfe8f5);display:grid;place-items:center;margin-bottom:18px;transition:transform .4s var(--ease)}
.card:hover .card__ico{transform:rotate(-6deg) scale(1.06)}
.card__ico svg{width:24px;height:24px;color:var(--navy-700)}
.card h3{margin-bottom:.4em}
.card p{font-size:.93rem;color:var(--slate);margin:0}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative}
.step{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:28px 24px;transition:background .35s,transform .35s var(--ease)}
.step:hover{background:rgba(255,255,255,.09);transform:translateY(-6px)}
.step__n{
  width:44px;height:44px;border-radius:50%;display:grid;place-items:center;margin-bottom:16px;
  font-family:var(--serif);font-size:1.1rem;font-weight:700;color:var(--navy-900);background:var(--gold);
}
.step h3{font-size:1.1rem;margin-bottom:.35em}
.step p{font-size:.9rem;color:#b9cbe2;margin:0}

/* ---------- split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,66px);align-items:center}
.split__media{position:relative}
.split__media img{border-radius:var(--radius-l);box-shadow:var(--shadow);width:100%;height:clamp(300px,36vw,440px);object-fit:cover}
.split__badge{
  position:absolute;right:-18px;top:28px;background:#fff;border-radius:var(--radius);padding:14px 18px;
  box-shadow:var(--shadow);font-size:.84rem;font-weight:700;color:var(--navy-800);display:flex;gap:10px;align-items:center;
}
.split__badge svg{width:19px;height:19px;color:var(--teal)}

.ticks{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.ticks li{display:flex;gap:13px;align-items:flex-start;font-size:.97rem}
.ticks svg{width:21px;height:21px;flex:none;color:var(--teal);margin-top:2px}
.ticks b{display:block;color:var(--navy-800);font-weight:700;margin-bottom:1px}
.ticks span{color:var(--slate);font-size:.92rem}

/* ---------- notice ---------- */
.notice{
  border-left:4px solid var(--gold);background:linear-gradient(90deg,#fdf8ec,#fff);
  border-radius:0 var(--radius) var(--radius) 0;padding:24px 26px;box-shadow:var(--shadow-s);
}
.notice h3{font-size:1.06rem;margin-bottom:.35em}
.notice p{margin:0;font-size:.93rem;color:var(--slate)}
.section--navy .notice{background:rgba(255,255,255,.05);border-left-color:var(--gold);box-shadow:none}
.section--navy .notice p{color:#b9cbe2}

/* ---------- faq ---------- */
.faq{display:grid;gap:12px;max-width:860px;margin-inline:auto}
.faq__item{border:1px solid var(--line);border-radius:var(--radius);background:#fff;overflow:hidden;transition:box-shadow .3s,border-color .3s}
.faq__item.is-open{box-shadow:var(--shadow);border-color:#d6dfeb}
.faq__q{
  width:100%;background:none;border:0;text-align:left;cursor:pointer;
  padding:20px 54px 20px 22px;font-size:1rem;font-weight:700;color:var(--navy-800);position:relative;
}
.faq__q::after,.faq__q::before{content:"";position:absolute;right:24px;top:50%;background:var(--navy-700);transition:transform .35s var(--ease),opacity .3s}
.faq__q::before{width:13px;height:2px;margin-top:-1px}
.faq__q::after{width:2px;height:13px;margin-top:-6.5px;margin-right:5.5px}
.faq__item.is-open .faq__q::after{transform:rotate(90deg);opacity:0}
.faq__a{max-height:0;overflow:hidden;transition:max-height .45s var(--ease)}
.faq__a p{padding:0 22px 20px;margin:0;color:var(--slate);font-size:.94rem}

/* ---------- contact ---------- */
.contact{display:grid;grid-template-columns:.92fr 1.08fr;gap:clamp(26px,4vw,48px);align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius-l);padding:clamp(26px,3.2vw,40px);box-shadow:var(--shadow)}
.info-list{list-style:none;margin:26px 0 0;padding:0;display:grid;gap:18px}
.info-list li{display:flex;gap:15px;align-items:flex-start}
.info-list .ico{width:44px;height:44px;border-radius:13px;background:#0f2a4d;display:grid;place-items:center;flex:none}
.info-list .ico svg{width:19px;height:19px;color:var(--gold)}
.info-list b{display:block;font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;color:var(--slate);font-weight:800;margin-bottom:2px}
.info-list a,.info-list p{font-weight:600;color:var(--navy-800);font-size:.98rem;margin:0;word-break:break-word}
.info-list a:hover{color:var(--gold)}

.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:16px}
.field label{font-size:.79rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-700)}
.field input,.field select,.field textarea{
  font-family:inherit;font-size:.97rem;color:var(--ink);
  padding:13px 15px;border:1px solid var(--line);border-radius:var(--radius-s);background:#fbfcfe;
  transition:border-color .25s,box-shadow .25s,background .25s;width:100%;
}
.field textarea{resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:0;border-color:var(--navy-600);background:#fff;box-shadow:0 0 0 4px rgba(29,69,115,.1);
}
.field input.err,.field textarea.err,.field select.err{border-color:#c0392b;box-shadow:0 0 0 4px rgba(192,57,43,.08)}
.field .msg{font-size:.78rem;color:#c0392b;min-height:0;display:none}
.field .msg.show{display:block}
.consent{display:flex;gap:11px;align-items:flex-start;font-size:.82rem;color:var(--slate);margin:4px 0 20px}
.consent input{width:17px;height:17px;margin-top:3px;flex:none;accent-color:var(--navy-700)}
.consent a{text-decoration:underline;color:var(--navy-700)}
.form-note{font-size:.8rem;color:var(--slate);margin-top:14px;text-align:center}

.form-status{display:none;border-radius:var(--radius-s);padding:14px 16px;font-size:.9rem;font-weight:600;margin-bottom:18px}
.form-status.ok{display:block;background:#e9f6f2;color:#0d6b5f;border:1px solid #bfe3d9}
.form-status.bad{display:block;background:#fdeceb;color:#a5342a;border:1px solid #f3c8c3}
.btn.is-loading{pointer-events:none;opacity:.75}
.btn.is-loading .spin{display:inline-block}
.spin{display:none;width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ---------- cta band ---------- */
.cta{
  position:relative;overflow:hidden;border-radius:var(--radius-l);
  background:linear-gradient(135deg,var(--navy-800),var(--navy-900) 70%);
  color:#dce6f2;padding:clamp(34px,5vw,60px);text-align:center;
}
.cta::before{content:"";position:absolute;width:460px;height:460px;border-radius:50%;background:rgba(201,153,43,.18);filter:blur(80px);top:-180px;right:-120px}
.cta--photo{
  background-image:linear-gradient(125deg,rgba(7,26,51,.94) 18%,rgba(11,37,69,.78) 62%,rgba(11,37,69,.6)),url("../img/car.jpg");
  background-size:cover;background-position:center 60%;
}

/* image pair (about section) */
.media-pair{position:relative;padding-bottom:58px}
.media-pair img.main{border-radius:var(--radius-l);box-shadow:var(--shadow);width:100%;height:clamp(300px,34vw,420px);object-fit:cover}
.media-pair img.sub{
  position:absolute;right:-14px;bottom:0;width:48%;max-width:260px;height:180px;object-fit:cover;
  border-radius:var(--radius);border:6px solid #fff;box-shadow:var(--shadow);
}
@media (max-width:720px){
  .media-pair{padding-bottom:0}
  .media-pair img.sub{display:none}
}
.cta h2{color:#fff;position:relative}
.cta p{max-width:620px;margin-inline:auto;position:relative;color:#b9cbe2}
.cta .btn{position:relative}
.cta__actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:26px}

/* ---------- footer ---------- */
.footer{background:var(--navy-900);color:#9fb6d1;padding:clamp(48px,6vw,76px) 0 0;font-size:.92rem}
.footer a{color:#c6d7ea}
.footer a:hover{color:#fff}
.footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:40px}
.footer h4{color:#fff;font-family:var(--sans);font-size:.76rem;letter-spacing:.17em;text-transform:uppercase;margin-bottom:18px}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.footer .brand__name{color:#fff}
.footer .brand__sub{color:#7f9ab8}
.footer__about{max-width:330px;margin-top:18px;font-size:.89rem;line-height:1.65}
.footer__legal{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 calc(22px + var(--safe-bottom,0px));display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.83rem}
.footer__legal nav{display:flex;gap:20px;flex-wrap:wrap}
.disclaimer-block{border-top:1px solid rgba(255,255,255,.1);padding:26px 0;font-size:.8rem;line-height:1.7;color:#8aa3c0}
.disclaimer-block strong{color:#cddcee}

/* ---------- mobile sticky call bar ---------- */
.callbar{
  position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;
  background:linear-gradient(135deg,#0f8a5f,#0b7a52);
  box-shadow:0 -8px 26px -12px rgba(0,0,0,.45);
  padding:0 0 env(safe-area-inset-bottom);
  transform:translateY(100%);transition:transform .45s var(--ease);
}
.callbar.is-visible{transform:none}
.callbar a{
  display:flex;align-items:center;justify-content:center;gap:12px;
  padding:16px 14px;color:#fff;font-weight:800;font-size:1.06rem;letter-spacing:.02em;
}
.callbar .ring{width:24px;height:24px;flex:none;animation:ring 1.8s ease-in-out infinite}
@keyframes ring{0%,70%,100%{transform:rotate(0)}75%{transform:rotate(12deg)}80%{transform:rotate(-10deg)}85%{transform:rotate(8deg)}90%{transform:rotate(-6deg)}}
.callbar small{display:block;font-size:.66rem;font-weight:600;opacity:.85;letter-spacing:.1em;text-transform:uppercase}

/* ---------- legal pages ---------- */
.page-hero{background:linear-gradient(140deg,var(--navy-800),var(--navy-900));color:#dce6f2;padding:clamp(54px,7vw,92px) 0;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;width:400px;height:400px;border-radius:50%;background:rgba(201,153,43,.16);filter:blur(80px);right:-120px;top:-140px}
.page-hero h1{color:#fff;margin-bottom:.3em;position:relative}
.page-hero p{color:#b9cbe2;max-width:640px;margin:0;position:relative}
.crumbs{font-size:.82rem;color:#9fb6d1;margin-bottom:18px;position:relative}
.crumbs a:hover{color:#fff}

.legal{display:grid;grid-template-columns:260px 1fr;gap:48px;align-items:start}
.toc{position:sticky;top:104px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-s)}
.toc h4{font-family:var(--sans);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--slate);margin-bottom:14px}
.toc ol{margin:0;padding-left:18px;display:grid;gap:9px;font-size:.88rem}
.toc a{color:var(--navy-700);font-weight:600}
.toc a:hover{color:var(--gold)}
.legal__body h2{font-size:clamp(1.25rem,2.1vw,1.55rem);margin-top:2em;scroll-margin-top:110px}
.legal__body h2:first-of-type{margin-top:0}
.legal__body p,.legal__body li{color:#3d4b5c;font-size:.98rem}
.legal__body ul{padding-left:20px;display:grid;gap:8px;margin-bottom:1.2em}
.legal__updated{display:inline-flex;gap:8px;align-items:center;font-size:.82rem;color:var(--slate);background:var(--cloud);border:1px solid var(--line);padding:8px 14px;border-radius:999px;margin-bottom:28px}

/* ---------- reveal animation ---------- */
.rv{opacity:0;transform:translateY(26px);transition:opacity .75s var(--ease),transform .75s var(--ease)}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.09s}.rv-d2{transition-delay:.18s}.rv-d3{transition-delay:.27s}.rv-d4{transition-delay:.36s}

@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .rv{opacity:1;transform:none}
}

/* ---------- responsive ---------- */
@media (max-width:1040px){
  .grid--4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer__grid{grid-template-columns:1fr 1fr}
  .legal{grid-template-columns:1fr;gap:28px}
  .toc{position:static}
}
@media (max-width:900px){
  .menu,.nav__phone{display:none}
  .burger{display:block}
  .hero__grid{grid-template-columns:1fr;padding-top:38px}
  .hero__media{order:-1}
  .hero__media img{height:clamp(240px,52vw,340px)}
  .hero__card{left:auto;right:12px;bottom:-18px;max-width:240px}
  .split{grid-template-columns:1fr}
  .contact{grid-template-columns:1fr}
  .grid--3{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:720px){
  body{font-size:16px;padding-bottom:62px}
  .nav{min-height:68px}
  .nav__cta > .btn{display:none}
  .brand__mark{width:40px;height:40px;border-radius:12px}
  .brand__name{font-size:1rem}
  .callbar{display:block}
  .topbar .tb-left .hide-sm{display:none}
  .grid--3,.grid--2,.grid--4,.steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .hero__card{position:static;margin-top:18px;max-width:none;animation:none}
  .split__badge{position:static;margin-top:14px;display:inline-flex}
  .footer__grid{grid-template-columns:1fr;gap:28px}
  .footer__legal{flex-direction:column;gap:12px}
  .hero__actions .btn{width:100%}
}

/* ---------- cross list (what we do not do) ---------- */
.ticks--x svg{color:#e3806f}
.section--navy .ticks li,.section--navy .ticks span{color:#dce6f2}
.section--navy .notice .split{align-items:start}
.legal__body h3{font-size:1.02rem;margin:1.6em 0 .4em}