/* ============================================================
   CONSATOR GROUP — Main Stylesheet
   Palette: Royal Blue #274087 (brand), Steel Grey #7F7F80, White — exact logo colors
   Fonts: DM Serif Display (headings) + Work Sans (body)
   ============================================================ */

/* ── Google Fonts loaded in HTML head ── */

:root,
[data-theme='light'] {
  /* Type Scale */
  --text-xs:   clamp(0.75rem,  0.7rem  + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem  + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem    + 0.75vw, 1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem  + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem  + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem    + 4vw,    5rem);
  --text-hero: clamp(3rem,     0.5rem  + 7vw,    8rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* Brand Palette — Royal Blue / Steel / Silver (logo-derived) */
  --color-bg:               #F5F6F8;
  --color-surface:          #FFFFFF;
  --color-surface-2:        #EEF0F4;
  --color-surface-offset:   #E4E7EE;
  --color-border:           #D0D4DE;
  --color-divider:          #DDE0E8;

  --color-text:             #1A1F2E;
  --color-text-muted:       #5A6175;
  --color-text-faint:       #9BA3B4;
  --color-text-inverse:     #F5F6F8;

  /* Navy primary (brand blue from logo) */
  --color-primary:          #274087;
  --color-primary-hover:    #1D3070;
  --color-primary-active:   #142258;
  --color-primary-highlight:#C8D3EC;

  /* Steel blue secondary */
  --color-secondary:        #4A5E8E;
  --color-secondary-hover:  #374972;

  /* Silver / Steel accent (from logo grey, shifted blue) */
  --color-gold:             #8B9BB8;
  --color-gold-hover:       #6B7E9E;
  --color-gold-highlight:   #E4E8F2;

  /* Semantic */
  --color-success:          #2E7D32;
  --color-warning:          #8B9BB8;
  --color-error:            #C62828;

  /* Radius */
  --radius-sm:   0.25rem;
  --radius-md:   0.5rem;
  --radius-lg:   0.75rem;
  --radius-xl:   1.25rem;
  --radius-full: 9999px;

  /* Transitions */
  --transition-interactive: 180ms cubic-bezier(0.16, 1, 0.3, 1);

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(39,64,135,0.08);
  --shadow-md: 0 4px 16px rgba(39,64,135,0.10);
  --shadow-lg: 0 12px 40px rgba(39,64,135,0.14);
  --shadow-xl: 0 24px 60px rgba(39,64,135,0.18);

  /* Widths */
  --content-narrow:  640px;
  --content-default: 960px;
  --content-wide:    1200px;

  /* Fonts */
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:    'Work Sans', 'Helvetica Neue', sans-serif;
}

[data-theme='dark'] {
  --color-bg:               #0F1521;
  --color-surface:          #151C2E;
  --color-surface-2:        #1B2438;
  --color-surface-offset:   #202B40;
  --color-border:           #2A3550;
  --color-divider:          #243048;
  --color-text:             #D8DCE8;
  --color-text-muted:       #7A85A0;
  --color-text-faint:       #485065;
  --color-text-inverse:     #1A1F2E;
  --color-primary:          #7BA8E0;
  --color-primary-hover:    #9BBCEA;
  --color-primary-active:   #B8CEF0;
  --color-primary-highlight:#1C2D4E;
  --color-secondary:        #6B8EC8;
  --color-secondary-hover:  #8AA5D8;
  --color-gold:             #A8B8D8;
  --color-gold-hover:       #C0CCE8;
  --color-gold-highlight:   #1E2840;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.4);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.5);
  --shadow-xl: 0 24px 60px rgba(0,0,0,0.6);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg:               #0F1521;
    --color-surface:          #151C2E;
    --color-surface-2:        #1B2438;
    --color-surface-offset:   #202B40;
    --color-border:           #2A3550;
    --color-divider:          #243048;
    --color-text:             #D8DCE8;
    --color-text-muted:       #7A85A0;
    --color-text-faint:       #485065;
    --color-text-inverse:     #1A1F2E;
    --color-primary:          #7BA8E0;
    --color-primary-hover:    #9BBCEA;
    --color-primary-active:   #B8CEF0;
    --color-primary-highlight:#1C2D4E;
    --color-secondary:        #6B8EC8;
    --color-secondary-hover:  #8AA5D8;
    --color-gold:             #A8B8D8;
    --color-gold-hover:       #C0CCE8;
    --color-gold-highlight:   #1E2840;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.3);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.4);
    --shadow-lg: 0 12px 40px rgba(0,0,0,0.5);
    --shadow-xl: 0 24px 60px rgba(0,0,0,0.6);
  }
}

/* ══════════════════════════════════════
   BASE RESET
══════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  -webkit-text-size-adjust: none;
  text-size-adjust: none;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  scroll-behavior: smooth;
  scroll-padding-top: 5rem;
}
body {
  min-height: 100dvh;
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.65;
  color: var(--color-text);
  background-color: var(--color-bg);
}
img, picture, video, canvas, svg { display: block; max-width: 100%; height: auto; }
ul[role='list'], ol[role='list'] { list-style: none; }
input, button, textarea, select { font: inherit; color: inherit; }
h1, h2, h3, h4, h5, h6 { text-wrap: balance; line-height: 1.15; font-family: var(--font-display); }
p, li, figcaption { text-wrap: pretty; max-width: 72ch; }
button { cursor: pointer; background: none; border: none; }
::selection { background: var(--color-primary-highlight); color: var(--color-text); }
:focus-visible { outline: 2px solid var(--color-primary); outline-offset: 3px; border-radius: var(--radius-sm); }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}
a, button, [role='button'] {
  transition: color var(--transition-interactive), background var(--transition-interactive),
    border-color var(--transition-interactive), box-shadow var(--transition-interactive),
    opacity var(--transition-interactive);
}
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border-width: 0; }

/* ══════════════════════════════════════
   LAYOUT UTILITIES
══════════════════════════════════════ */
.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
}
.container--narrow { max-width: var(--content-default); }
.section-pad { padding-block: clamp(var(--space-16), 8vw, var(--space-32)); }
.section-pad--sm { padding-block: clamp(var(--space-10), 5vw, var(--space-20)); }

/* ══════════════════════════════════════
   NAVIGATION
══════════════════════════════════════ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: color-mix(in oklab, var(--color-surface) 92%, transparent);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-interactive);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
  height: 4.5rem;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}
.nav__logo-img {
  height: 4rem;
  width: auto;
  object-fit: contain;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  list-style: none;
}
.nav__links a {
  display: block;
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  text-decoration: none;
  border-radius: var(--radius-md);
  white-space: nowrap;
}
.nav__links a:hover { color: var(--color-primary); background: var(--color-primary-highlight); }
.nav__links a.active { color: var(--color-primary); font-weight: 600; }
.nav__cta {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-5);
  background: var(--color-primary);
  color: #fff !important;
  border-radius: var(--radius-full);
  font-size: var(--text-sm) !important;
  font-weight: 600 !important;
  text-decoration: none;
  white-space: nowrap;
}
.nav__cta:hover { background: var(--color-primary-hover) !important; color: #fff !important; }
.nav__right { display: flex; align-items: center; gap: var(--space-3); }
.nav__theme-toggle {
  display: flex; align-items: center; justify-content: center;
  width: 2.25rem; height: 2.25rem;
  border-radius: var(--radius-full);
  color: var(--color-text-muted);
  transition: background var(--transition-interactive), color var(--transition-interactive);
  flex-shrink: 0;
}
.nav__theme-toggle:hover { background: var(--color-surface-2); color: var(--color-text); }
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 2.25rem;
  height: 2.25rem;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  color: var(--color-text-muted);
}
.nav__hamburger:hover { background: var(--color-surface-2); }
.nav__hamburger span {
  display: block;
  width: 20px;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.nav__mobile { display: none; }
@media (max-width: 900px) {
  .nav__links { display: none; }
  .nav__cta { display: none; }
  .nav__hamburger { display: flex; }
  .nav__mobile {
    display: block;
    position: fixed;
    inset: 0;
    top: 4.5rem;
    background: var(--color-surface);
    z-index: 99;
    padding: var(--space-8);
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(0.16,1,0.3,1);
  }
  .nav__mobile.open { transform: translateX(0); }
  .nav__mobile-links { list-style: none; display: flex; flex-direction: column; gap: var(--space-2); }
  .nav__mobile-links a {
    display: block;
    padding: var(--space-4);
    font-size: var(--text-lg);
    font-weight: 500;
    color: var(--color-text);
    text-decoration: none;
    border-radius: var(--radius-lg);
    border-bottom: 1px solid var(--color-border);
  }
  .nav__mobile-links a:hover { background: var(--color-surface-2); color: var(--color-primary); }
  .nav__mobile-cta {
    display: inline-flex;
    margin-top: var(--space-6);
    padding: var(--space-4) var(--space-8);
    background: var(--color-primary);
    color: #fff;
    border-radius: var(--radius-full);
    font-size: var(--text-base);
    font-weight: 600;
    text-decoration: none;
    text-align: center;
    justify-content: center;
    width: 100%;
  }
}

/* ══════════════════════════════════════
   BUTTONS
══════════════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-8);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  transition: all var(--transition-interactive);
  white-space: nowrap;
  border: 2px solid transparent;
}
.btn--primary {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
}
.btn--primary:hover { background: var(--color-primary-hover); border-color: var(--color-primary-hover); }
.btn--gold {
  background: var(--color-gold);
  color: #fff;
  border-color: var(--color-gold);
}
.btn--gold:hover { background: var(--color-gold-hover); border-color: var(--color-gold-hover); }
.btn--outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn--outline:hover { background: var(--color-primary-highlight); }
.btn--outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-white:hover { background: rgba(255,255,255,0.12); border-color: #fff; }
.btn--lg { padding: var(--space-4) var(--space-10); font-size: var(--text-base); }
.btn--sm { padding: var(--space-2) var(--space-5); font-size: var(--text-xs); }

/* ══════════════════════════════════════
   HERO
══════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 80vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, #0F1B3A 0%, #274087 50%, #2C5499 100%);
}
/* Hero background photo */
.hero__bg-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
  z-index: 0;
  opacity: 0.38;
  filter: saturate(0.5) brightness(0.85);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(15,27,58,0.78) 0%, rgba(39,64,135,0.58) 55%, rgba(44,84,153,0.35) 100%);
  z-index: 1;
}
.hero__inner {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
  padding-block: clamp(var(--space-20), 10vw, var(--space-32));
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.hero__content {}
.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: var(--space-4);
}
.hero__eyebrow::before {
  content: '';
  display: block;
  width: 2rem;
  height: 2px;
  background: var(--color-gold);
  border-radius: 1px;
}
.hero h1 {
  font-size: var(--text-3xl);
  color: #fff;
  line-height: 1.1;
  margin-bottom: var(--space-6);
  font-weight: 400;
}
.hero h1 em {
  font-style: normal;
  color: var(--color-gold);
}
.hero__sub {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  margin-bottom: var(--space-10);
  max-width: 52ch;
  line-height: 1.7;
}
.hero__actions { display: flex; gap: var(--space-4); flex-wrap: wrap; }
.hero__stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-12);
}
.hero__stat {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-6);
}
.hero__stat-number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-gold);
  line-height: 1;
  margin-bottom: var(--space-1);
}
.hero__stat-label { font-size: var(--text-xs); color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.05em; }
.hero__visual {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.hero__card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  backdrop-filter: blur(10px);
}
.hero__card-title {
  font-size: var(--text-sm);
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-3);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}
.hero__card-title svg { color: var(--color-gold); }
.hero__card-items { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.hero__chip {
  font-size: var(--text-xs);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  background: rgba(139,155,184,0.2);
  color: var(--color-gold);
  border: 1px solid rgba(139,155,184,0.3);
  font-weight: 500;
}
@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
}

/* ══════════════════════════════════════
   TRUST BAR / PARTNER LOGOS
══════════════════════════════════════ */
.trust-bar {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding-block: var(--space-5);
}
.trust-bar__inner {
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
  display: flex;
  align-items: center;
  gap: var(--space-8);
  overflow-x: auto;
}
.trust-bar__label {
  font-size: var(--text-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-text-faint);
  white-space: nowrap;
  flex-shrink: 0;
}
.trust-bar__partners {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  flex-wrap: wrap;
}
.trust-bar__partner {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  white-space: nowrap;
  opacity: 0.7;
  transition: opacity var(--transition-interactive);
}
.trust-bar__partner:hover { opacity: 1; }

/* ══════════════════════════════════════
   SECTION HEADERS
══════════════════════════════════════ */
.section-header { text-align: center; margin-bottom: clamp(var(--space-10), 5vw, var(--space-16)); }
.section-header__eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-gold);
  margin-bottom: var(--space-3);
}
.section-header h2 {
  font-size: var(--text-2xl);
  color: var(--color-text);
  margin-bottom: var(--space-4);
}
.section-header p {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
  max-width: 58ch;
  margin-inline: auto;
  line-height: 1.7;
}

/* ══════════════════════════════════════
   SERVICE CARDS
══════════════════════════════════════ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}
.service-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-decoration: none;
  color: inherit;
  transition: all var(--transition-interactive);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--color-primary);
  transform: scaleX(0);
  transition: transform var(--transition-interactive);
  transform-origin: left;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); border-color: var(--color-primary); }
.service-card:hover::before { transform: scaleX(1); }
.service-card__icon {
  width: 3rem;
  height: 3rem;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}
.service-card h3 { font-size: var(--text-lg); color: var(--color-text); }
.service-card p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.65; flex: 1; }
.service-card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  margin-top: auto;
}
.service-card__link:hover { gap: var(--space-3); }

/* ══════════════════════════════════════
   FEATURE / SPLIT SECTION
══════════════════════════════════════ */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(var(--space-10), 6vw, var(--space-20));
  align-items: center;
}
.split-section--reverse { direction: rtl; }
.split-section--reverse > * { direction: ltr; }
@media (max-width: 768px) {
  .split-section, .split-section--reverse { grid-template-columns: 1fr; direction: ltr; }
}
.split-section__eyebrow {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-gold);
  display: block;
  margin-bottom: var(--space-3);
}
.split-section h2 { font-size: var(--text-2xl); margin-bottom: var(--space-5); }
.split-section p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.7; margin-bottom: var(--space-5); }
.split-section__visual {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  border-radius: var(--radius-xl);
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.split-section__visual-inner {
  text-align: center;
  padding: var(--space-8);
  color: #fff;
}
.split-section__visual-number {
  font-family: var(--font-display);
  font-size: var(--text-hero);
  line-height: 0.85;
  opacity: 0.15;
  position: absolute;
  bottom: -1rem;
  right: -1rem;
}
.split-section__visual-stat {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  color: var(--color-gold);
  line-height: 1;
  margin-bottom: var(--space-2);
}
.split-section__visual-label { font-size: var(--text-base); color: rgba(255,255,255,0.8); }

/* ══════════════════════════════════════
   CHECKLIST
══════════════════════════════════════ */
.checklist { list-style: none; display: flex; flex-direction: column; gap: var(--space-3); }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-base);
  color: var(--color-text);
}
.checklist li::before {
  content: '';
  width: 1.25rem;
  height: 1.25rem;
  background: var(--color-primary);
  border-radius: var(--radius-full);
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='12' viewBox='0 0 12 12' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M2 6l3 3 5-5' stroke='white' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
}

/* ══════════════════════════════════════
   PRODUCT CARDS
══════════════════════════════════════ */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}
.product-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.product-card__header {
  padding: var(--space-6) var(--space-6) var(--space-4);
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  color: #fff;
}
.product-card__icon { font-size: 2rem; margin-bottom: var(--space-3); }
.product-card__title { font-size: var(--text-lg); color: #fff; margin-bottom: var(--space-1); }
.product-card__subtitle { font-size: var(--text-xs); color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 0.08em; }
.product-card__body { padding: var(--space-6); }
.product-card__body ul { list-style: none; display: flex; flex-direction: column; gap: var(--space-2); }
.product-card__body li {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
}
.product-card__body li::before {
  content: '→';
  color: var(--color-gold);
  flex-shrink: 0;
  font-weight: 700;
}

/* ══════════════════════════════════════
   REINSURANCE SECTION
══════════════════════════════════════ */
.reinsurance-hero {
  background: linear-gradient(160deg, #0F1B3A 0%, #274087 60%, #2A5299 100%);
  padding-block: clamp(var(--space-16), 8vw, var(--space-32));
  position: relative;
  overflow: hidden;
}
.reinsurance-hero::after {
  content: '';
  position: absolute;
  top: -30%;
  right: -10%;
  width: 60vw;
  height: 60vw;
  background: radial-gradient(circle, rgba(139,155,184,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.reinsurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: var(--space-5);
  margin-top: var(--space-12);
}
.reinsurance-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  transition: background var(--transition-interactive), border-color var(--transition-interactive);
}
.reinsurance-card:hover { background: rgba(255,255,255,0.10); border-color: rgba(139,155,184,0.3); }
.reinsurance-card__tag {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  background: var(--color-gold);
  color: #fff;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-4);
}
.reinsurance-card h3 { font-size: var(--text-lg); color: #fff; margin-bottom: var(--space-3); }
.reinsurance-card p { font-size: var(--text-sm); color: rgba(255,255,255,0.65); line-height: 1.7; }
.reinsurance-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-6);
  counter-reset: steps;
}
.reinsurance-step {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  position: relative;
  counter-increment: steps;
}
.reinsurance-step::before {
  content: counter(steps, decimal-leading-zero);
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  color: var(--color-primary-highlight);
  position: absolute;
  top: var(--space-4);
  right: var(--space-6);
  line-height: 1;
}
.reinsurance-step h3 { font-size: var(--text-lg); margin-bottom: var(--space-3); position: relative; }
.reinsurance-step p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.7; position: relative; }

/* ══════════════════════════════════════
   TESTIMONIALS
══════════════════════════════════════ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}
.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}
.testimonial-card__quote {
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.75;
  margin-bottom: var(--space-6);
  font-style: italic;
}
.testimonial-card__quote::before { content: '\201C'; font-size: 2em; color: var(--color-gold); line-height: 0; vertical-align: -0.4em; margin-right: 2px; }
.testimonial-card__author { display: flex; flex-direction: column; gap: var(--space-1); }
.testimonial-card__name { font-weight: 700; font-size: var(--text-sm); color: var(--color-text); }
.testimonial-card__role { font-size: var(--text-xs); color: var(--color-text-muted); }

/* ══════════════════════════════════════
   PARTNER LOGOS GRID
══════════════════════════════════════ */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: var(--space-5);
}
.partner-logo-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-5);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
  min-height: 110px;
  transition: all var(--transition-interactive);
  text-decoration: none;
}
.partner-logo-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
  transform: translateY(-3px);
}
.partner-logo-card img {
  max-width: 140px;
  max-height: 52px;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
}
.partner-logo-card__name {
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-text-faint);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-align: center;
}
/* Dark mode: invert dark logos for partner cards */
[data-theme='dark'] .partner-logo-card img.logo-invert {
  filter: brightness(0) invert(1) opacity(0.85);
}
[data-theme='dark'] .partner-logo-card {
  background: var(--color-surface);
}
/* Fallback partner icon (for text-only) */
.partner-icon {
  width: 2.5rem;
  height: 2.5rem;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-inline: auto;
  color: var(--color-primary);
}

/* ══════════════════════════════════════
   CTA BAND
══════════════════════════════════════ */
.cta-band {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
  text-align: center;
}
.cta-band h2 { font-size: var(--text-2xl); color: #fff; margin-bottom: var(--space-4); }
.cta-band p { font-size: var(--text-lg); color: rgba(255,255,255,0.8); max-width: 52ch; margin-inline: auto; margin-bottom: var(--space-8); }
.cta-band__actions { display: flex; gap: var(--space-4); justify-content: center; flex-wrap: wrap; }

/* ══════════════════════════════════════
   ABOUT / BIO
══════════════════════════════════════ */
.bio-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 2fr;
  box-shadow: var(--shadow-lg);
}
@media (max-width: 768px) { .bio-card { grid-template-columns: 1fr; } }
.bio-card__visual {
  background: linear-gradient(160deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-10);
  min-height: 280px;
}
.bio-card__initials {
  font-family: var(--font-display);
  font-size: clamp(4rem, 8vw, 7rem);
  color: rgba(255,255,255,0.25);
  line-height: 1;
}
.bio-card__content { padding: var(--space-10); }
.bio-card__name { font-size: var(--text-xl); margin-bottom: var(--space-1); }
.bio-card__title { font-size: var(--text-sm); font-family: var(--font-body); color: var(--color-gold); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: var(--space-6); }
.bio-card__stats {
  display: flex;
  gap: var(--space-8);
  margin-bottom: var(--space-6);
  flex-wrap: wrap;
}
.bio-card__stat {}
.bio-card__stat-number { font-family: var(--font-display); font-size: var(--text-xl); color: var(--color-primary); line-height: 1; }
.bio-card__stat-label { font-size: var(--text-xs); color: var(--color-text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.bio-card p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.75; margin-bottom: var(--space-4); }
.bio-card__credentials {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-top: var(--space-4);
}
.bio-card__credential {
  font-size: var(--text-xs);
  padding: 4px 12px;
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  border-radius: var(--radius-full);
  font-weight: 600;
  border: 1px solid rgba(39,64,135,0.1);
}

/* ══════════════════════════════════════
   CONTACT FORM
══════════════════════════════════════ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: start;
}
@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-info__item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
  margin-bottom: var(--space-6);
}
.contact-info__icon {
  width: 2.5rem;
  height: 2.5rem;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}
.contact-info__label { font-size: var(--text-xs); text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-text-faint); margin-bottom: var(--space-1); }
.contact-info__value { font-size: var(--text-base); color: var(--color-text); font-weight: 600; }
.contact-info__value a { color: inherit; text-decoration: none; }
.contact-info__value a:hover { color: var(--color-primary); }
.form { display: flex; flex-direction: column; gap: var(--space-4); }
.form-group { display: flex; flex-direction: column; gap: var(--space-2); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
@media (max-width: 500px) { .form-row { grid-template-columns: 1fr; } }
.form-label { font-size: var(--text-sm); font-weight: 600; color: var(--color-text); }
.form-input, .form-textarea, .form-select {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--text-base);
  color: var(--color-text);
  transition: border-color var(--transition-interactive), box-shadow var(--transition-interactive);
}
.form-input:focus, .form-textarea:focus, .form-select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-highlight);
}
.form-textarea { min-height: 140px; resize: vertical; }
.form-check { display: flex; gap: var(--space-3); align-items: flex-start; }
.form-check input[type='checkbox'] { margin-top: 3px; accent-color: var(--color-primary); }
.form-check label { font-size: var(--text-sm); color: var(--color-text-muted); }

/* ══════════════════════════════════════
   PAGE HERO (interior pages)
══════════════════════════════════════ */
.page-hero {
  background: linear-gradient(135deg, #0F1B3A 0%, #274087 100%);
  padding-block: clamp(var(--space-16), 7vw, var(--space-24));
  text-align: center;
}
.page-hero__eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-gold);
  margin-bottom: var(--space-3);
}
.page-hero h1 { font-size: var(--text-2xl); color: #fff; margin-bottom: var(--space-4); }
.page-hero p { font-size: var(--text-lg); color: rgba(255,255,255,0.75); max-width: 52ch; margin-inline: auto; line-height: 1.7; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  justify-content: center;
  margin-bottom: var(--space-4);
  list-style: none;
}
.breadcrumb li { font-size: var(--text-xs); color: rgba(255,255,255,0.5); }
.breadcrumb li a { color: rgba(255,255,255,0.7); text-decoration: none; }
.breadcrumb li a:hover { color: #fff; }
.breadcrumb li + li::before { content: '/'; margin-right: var(--space-2); }

/* ══════════════════════════════════════
   FOOTER
══════════════════════════════════════ */
.footer {
  background: #0C1525;
  color: rgba(255,255,255,0.7);
  padding-block: clamp(var(--space-16), 6vw, var(--space-24));
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-10);
}
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__brand {}
.footer__logo { height: 5rem; width: auto; margin-bottom: var(--space-5); object-fit: contain; filter: brightness(0) invert(1); opacity: 0.88; }
.footer__tagline { font-size: var(--text-sm); line-height: 1.7; margin-bottom: var(--space-6); color: rgba(255,255,255,0.55); max-width: 36ch; }
.footer__contact a { display: block; font-size: var(--text-sm); color: rgba(255,255,255,0.6); text-decoration: none; margin-bottom: var(--space-2); }
.footer__contact a:hover { color: var(--color-gold); }
.footer__col-title {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.4);
  margin-bottom: var(--space-5);
}
.footer__links { list-style: none; display: flex; flex-direction: column; gap: var(--space-3); }
.footer__links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color var(--transition-interactive);
}
.footer__links a:hover { color: var(--color-gold); }
.footer__bottom {
  margin-top: clamp(var(--space-10), 4vw, var(--space-16));
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
}
.footer__copyright { font-size: var(--text-xs); color: rgba(255,255,255,0.35); }
.footer__legal { display: flex; gap: var(--space-6); }
.footer__legal a { font-size: var(--text-xs); color: rgba(255,255,255,0.35); text-decoration: none; }
.footer__legal a:hover { color: rgba(255,255,255,0.6); }

/* ══════════════════════════════════════
   ACCENTS / BG TINTS
══════════════════════════════════════ */
.bg-navy    { background: linear-gradient(135deg, #0F1B3A 0%, #274087 100%); }
.bg-tint    { background: var(--color-surface-2); }
.bg-surface { background: var(--color-surface); }
.text-gold  { color: var(--color-gold); }
.text-navy  { color: var(--color-primary); }

/* ══════════════════════════════════════
   FAQ ACCORDION
══════════════════════════════════════ */
.faq-list { display: flex; flex-direction: column; gap: var(--space-3); }
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-surface);
}
.faq-question {
  width: 100%;
  text-align: left;
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  transition: background var(--transition-interactive);
}
.faq-question:hover { background: var(--color-surface-2); }
.faq-question[aria-expanded='true'] { color: var(--color-primary); }
.faq-chevron {
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--color-text-muted);
}
.faq-question[aria-expanded='true'] .faq-chevron { transform: rotate(180deg); color: var(--color-primary); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.16,1,0.3,1);
}
.faq-answer.open { max-height: 500px; }
.faq-answer__inner { padding: 0 var(--space-6) var(--space-6); font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.75; }

/* ══════════════════════════════════════
   UTILITIES
══════════════════════════════════════ */
.text-center { text-align: center; }
.mt-auto { margin-top: auto; }
.gap-2 { gap: var(--space-2); }
.flex { display: flex; }
.items-center { align-items: center; }
.flex-wrap { flex-wrap: wrap; }
.hidden { display: none; }
@media (max-width: 768px) { .hide-mobile { display: none !important; } }

/* ══════════════════════════════════════
   SCROLL ANIMATIONS
══════════════════════════════════════ */
[data-animate] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s cubic-bezier(0.16,1,0.3,1), transform 0.6s cubic-bezier(0.16,1,0.3,1);
}
[data-animate].visible {
  opacity: 1;
  transform: translateY(0);
}
[data-animate-delay='1'] { transition-delay: 0.1s; }
[data-animate-delay='2'] { transition-delay: 0.2s; }
[data-animate-delay='3'] { transition-delay: 0.3s; }
[data-animate-delay='4'] { transition-delay: 0.4s; }
[data-animate-delay='5'] { transition-delay: 0.5s; }

/* ══════════════════════════════════════
   INTERIOR PAGE ADDITIONS
══════════════════════════════════════ */

/* ── Page Hero variations ── */
.page-hero__content { max-width: 800px; margin-inline: auto; }
.page-hero__sub {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  max-width: 60ch;
  margin-inline: auto;
  line-height: 1.7;
  margin-bottom: var(--space-8);
}
.page-hero--dark {
  background: linear-gradient(135deg, #080F1E 0%, #0F1B3A 60%, #1A3160 100%);
}

/* ── FAQ with native <details> ── */
.faq-item summary.faq-item__question {
  list-style: none;
  cursor: pointer;
  width: 100%;
  text-align: left;
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  user-select: none;
  transition: color var(--transition-interactive);
}
.faq-item summary.faq-item__question::marker,
.faq-item summary.faq-item__question::-webkit-details-marker { display: none; }
.faq-item summary.faq-item__question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--color-primary);
  flex-shrink: 0;
  transition: transform 0.3s ease;
  line-height: 1;
}
.faq-item[open] summary.faq-item__question::after { content: '−'; }
.faq-item[open] summary.faq-item__question { color: var(--color-primary); }
.faq-item summary.faq-item__question:hover { color: var(--color-primary); }
.faq-item__answer {
  padding: 0 var(--space-6) var(--space-6);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.75;
}

/* ── Process Steps ── */
.process-steps {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  left: 1.5rem;
  top: var(--space-8);
  bottom: var(--space-8);
  width: 2px;
  background: var(--color-primary-highlight);
}
.process-step {
  display: flex;
  gap: var(--space-6);
  align-items: flex-start;
  position: relative;
}
.process-step__number {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-surface);
  background: var(--color-primary);
  width: 3rem;
  height: 3rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.process-step__content h3 {
  font-size: var(--text-base);
  font-weight: 700;
  margin-bottom: var(--space-2);
  color: var(--color-text);
  padding-top: var(--space-2);
}
.process-step__content p {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.75;
  max-width: 65ch;
}
@media (max-width: 600px) {
  .process-steps::before { display: none; }
  .process-step { gap: var(--space-4); }
}

/* ── Timeline ── */
.timeline {
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
  padding-left: var(--space-12);
}
.timeline::before {
  content: '';
  position: absolute;
  left: 0.75rem;
  top: 0.75rem;
  bottom: 0.75rem;
  width: 2px;
  background: var(--color-primary-highlight);
}
.timeline-item {
  display: flex;
  gap: var(--space-6);
  align-items: flex-start;
  padding-bottom: var(--space-8);
  position: relative;
}
.timeline-item__marker {
  width: 1.5rem;
  height: 1.5rem;
  background: var(--color-primary);
  border-radius: 50%;
  position: absolute;
  left: calc(-1 * var(--space-12) + 0.25rem);
  top: 0.25rem;
  flex-shrink: 0;
  border: 3px solid var(--color-surface);
  box-shadow: 0 0 0 2px var(--color-primary);
}
.timeline-item__content { flex: 1; }
.timeline-item__year {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-gold);
  margin-bottom: var(--space-1);
}
.timeline-item__content h3 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}
.timeline-item__content p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.75;
}
@media (max-width: 600px) {
  .timeline { padding-left: var(--space-8); }
  .timeline-item__marker { left: calc(-1 * var(--space-8) + 0.25rem); }
}

/* ── Pull Quote ── */
.pull-quote {
  border-left: 4px solid var(--color-gold);
  padding: var(--space-4) var(--space-6);
  margin: var(--space-6) 0;
  background: var(--color-primary-highlight);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
}
.pull-quote p {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-style: italic;
  color: var(--color-primary);
  margin-bottom: var(--space-2);
  line-height: 1.4;
}
.pull-quote cite {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  font-style: normal;
}

/* ── Stat Blocks ── */
.stat-block-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}
.stat-block {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.stat-block__number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-primary);
  line-height: 1;
  margin-bottom: var(--space-2);
}
.stat-block__label {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-text-muted);
}

/* ── Reinsurance Detail Cards ── */
.reinsurance-detail-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.reinsurance-detail-card__header {
  padding: var(--space-8) var(--space-8) var(--space-4);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface-2);
  display: flex;
  align-items: center;
  gap: var(--space-4);
}
.reinsurance-detail-card__header h3 {
  font-size: var(--text-xl);
  color: var(--color-primary);
  margin: 0;
}
.reinsurance-detail-card__body {
  padding: var(--space-8);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-10);
}
@media (max-width: 768px) {
  .reinsurance-detail-card__body { grid-template-columns: 1fr; }
}
.reinsurance-detail-card__body h4 {
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-gold);
  margin-bottom: var(--space-2);
  margin-top: var(--space-5);
}
.reinsurance-detail-card__body h4:first-child { margin-top: 0; }
.reinsurance-detail-card__body p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.75;
}

/* ── Tags / Credential chips ── */
.tag {
  display: inline-block;
  font-size: var(--text-xs);
  padding: 4px 12px;
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  border-radius: var(--radius-full);
  font-weight: 600;
  border: 1px solid rgba(39,64,135,0.12);
}
.bio-card__tags {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-top: var(--space-4);
}
.bio-card__photo {
  background: linear-gradient(160deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-10);
  min-height: 280px;
}

/* ── Bio long-form text ── */
.bio-long p {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.85;
  max-width: 72ch;
  margin-bottom: var(--space-6);
}
.bio-long p:last-child { margin-bottom: 0; }

/* ── Contact hero info bar ── */
.contact-hero-info {
  display: flex;
  gap: var(--space-8);
  flex-wrap: wrap;
  justify-content: center;
  margin-top: var(--space-6);
}
.contact-hero-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: var(--color-gold);
  text-decoration: none;
  font-weight: 600;
  font-size: var(--text-base);
  transition: color var(--transition-interactive);
}
.contact-hero-item:hover { color: #fff; }
.contact-hero-item svg { opacity: 0.8; }

/* ── Contact info extras ── */
.contact-info h3 {
  font-size: var(--text-xl);
  margin-bottom: var(--space-8);
  color: var(--color-text);
}
.contact-info__divider {
  border-top: 1px solid var(--color-border);
  margin: var(--space-6) 0;
}
.contact-info__booking h4 {
  font-size: var(--text-base);
  font-weight: 700;
  margin-bottom: var(--space-3);
  color: var(--color-text);
}
.contact-info__booking p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
}
.contact-info__map h4 {
  font-size: var(--text-base);
  font-weight: 700;
  margin-bottom: var(--space-3);
  color: var(--color-text);
}
.contact-info__map-link {
  display: inline-block;
  font-size: var(--text-sm);
  color: var(--color-primary);
  text-decoration: none;
  margin-top: var(--space-2);
  font-weight: 600;
}
.contact-info__map-link:hover { text-decoration: underline; }
.map-embed { margin-top: var(--space-2); }

/* ── Contact form wrapper ── */
.contact-form-wrap h3 {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
  color: var(--color-text);
}
.contact-form-wrap__sub {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-8);
}
.contact-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}
.form-submit {
  width: 100%;
  justify-content: center;
}
.form-note {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  line-height: 1.6;
  text-align: center;
}
.form-note a { color: var(--color-primary); }

/* ── Checkbox ── */
.form-group--checkbox { flex-direction: row !important; align-items: flex-start; }
.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  cursor: pointer;
}
.form-checkbox input[type='checkbox'] {
  width: 1.125rem;
  height: 1.125rem;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--color-primary);
  cursor: pointer;
}
.form-checkbox__box { display: none; }
.form-checkbox__label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ── btn with icon ── */
.btn svg { vertical-align: middle; margin-right: var(--space-2); }

/* ── sr-only ── */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border-width: 0;
}

/* ── Lloyd Photo ── */
.lloyd-photo {
  width: 100%;
  max-width: 480px;
  border-radius: var(--radius-xl);
  object-fit: cover;
  object-position: center top;
  box-shadow: var(--shadow-xl);
  display: block;
}

.lloyd-photo-wrap {
  position: relative;
  flex-shrink: 0;
  width: min(440px, 100%);
}

.lloyd-photo-wrap::after {
  content: '';
  position: absolute;
  inset: -8px -8px 8px 8px;
  border: 2px solid var(--color-gold);
  border-radius: var(--radius-xl);
  z-index: -1;
  opacity: 0.5;
}

.lloyd-photo-badge {
  position: absolute;
  bottom: var(--space-6);
  left: var(--space-6);
  background: var(--color-primary);
  color: #fff;
  padding: var(--space-3) var(--space-5);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-family: var(--font-body);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ── About page hero split layout ── */
.about-hero-split {
  display: flex;
  align-items: center;
  gap: var(--space-16);
}
.about-hero-split .page-hero__content { flex: 1; min-width: 0; }
.about-hero-split .lloyd-photo-wrap { flex-shrink: 0; width: min(380px, 40%); }
.about-hero-split .lloyd-photo {
  height: 480px;
  width: 100%;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-xl);
  box-shadow: 0 24px 60px rgba(0,0,0,0.45);
}
@media (max-width: 860px) {
  .about-hero-split { flex-direction: column-reverse; gap: var(--space-8); }
  .about-hero-split .lloyd-photo-wrap { width: min(300px, 80%); }
  .about-hero-split .lloyd-photo { height: 320px; }
}

/* ── Bio card photo ── */
.bio-card__photo {
  flex-shrink: 0;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  overflow: hidden;
  border: 3px solid var(--color-primary);
}
.bio-card__photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

/* ── Photo Bands ── */
.photo-band {
  position: relative;
  width: 100%;
  height: 420px;
  overflow: hidden;
  display: block;
}
.photo-band--short {
  height: 280px;
}
.photo-band__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  transition: transform 8s ease;
}
.photo-band:hover .photo-band__img {
  transform: scale(1.03);
}
.photo-band__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(39,64,135,0.15) 0%,
    rgba(39,64,135,0.45) 100%
  );
}
.photo-band__overlay--light {
  background: linear-gradient(
    to right,
    rgba(10,15,40,0.65) 0%,
    rgba(10,15,40,0.15) 60%,
    transparent 100%
  );
}
.photo-band__caption {
  position: absolute;
  bottom: var(--space-8);
  left: var(--space-12);
  right: var(--space-12);
}
.photo-band__caption span {
  display: inline-block;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.92);
  font-style: italic;
  text-shadow: 0 2px 8px rgba(0,0,0,0.4);
}

/* Nav logo — PNG transparent, no background box */
.nav__logo-img {
  height: 5.5rem;
  width: auto;
  object-fit: contain;
  display: block;
}