/* ═══════════════════════════════════════════════════════════════════════
   VALLEY WEST — HOMEPAGE  ·  Meridian system (Origin × Rocket)
   Loads after tokens.css. Two modes: editorial-dark + conversion-light.
   ═══════════════════════════════════════════════════════════════════════ */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--sans); font-weight: 400; font-size: 16px;
  color: var(--t-hi); background: var(--paper);
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; }

::selection { background: var(--m); color: #fff; }

/* ── layout primitives ── */
.wrap { max-width: 1280px; margin: 0 auto; padding: 0 40px; }
.wrap-narrow { max-width: 920px; }
.section { padding: 104px 0; }
.section.sm { padding: 64px 0; }
.section.tight { padding: 80px 0; }
.section.dark { background: var(--ink); color: var(--t-hi-d); }
.section.paper2 { background: var(--paper-2); }
.section.wash { background: var(--paper-3); }

@media (max-width: 760px) {
  .wrap { padding: 0 22px; }
  .section { padding: 72px 0; }
  .section.sm { padding: 48px 0; }
}

/* ── shared section heads ── */
.eyebrow {
  display: inline-block; font-family: var(--mono); font-size: 11px;
  letter-spacing: var(--tracking-label); text-transform: uppercase;
  color: var(--m); margin: 0 0 18px;
}
.eyebrow.ins { color: var(--i); }
.eyebrow.ai { color: var(--ai); }
.section.dark .eyebrow { color: var(--m); }

.section-head { max-width: 760px; margin: 0 0 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.h2 {
  font-family: var(--serif); font-weight: 300; font-size: var(--fs-display-m);
  line-height: 1.04; letter-spacing: -0.025em; margin: 0; color: inherit;
  text-wrap: balance;
}
.h2 em { font-style: italic; }
.h2 .red { color: var(--m); font-style: italic; }
.h2 .grn { color: var(--i); font-style: italic; }
.lede {
  font-size: var(--fs-body-l); line-height: 1.6; color: var(--t-mid);
  margin: 22px 0 0; max-width: 56ch; text-wrap: pretty;
}
.section.dark .lede { color: var(--t-mid-d); }
.section.center .lede, .section-head.center .lede { margin-left: auto; margin-right: auto; }

/* ════════════════════════════ BUTTONS ════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  white-space: nowrap; font-family: var(--sans); font-size: 15px; font-weight: 600;
  line-height: 1; padding: 16px 28px; border-radius: var(--r-pill); border: none;
  cursor: pointer; transition: background-color .22s var(--ease-snap), color .22s, border-color .22s;
}
.btn svg { width: 16px; height: 16px; }
/* Primary CTAs: default BLACK, solid accent (red/green) on hover — no wipe, lift, shadow or movement */
.btn-m, .btn-i, .btn-dark, .btn-cta {
  color: #fff; border: 1px solid rgba(10,10,11,.18); background: var(--ink);
}
.btn-m:hover, .btn-i:hover, .btn-dark:hover, .btn-cta:hover {
  color: #fff; background: var(--accent); border-color: var(--accent);
}
.btn-light { background: #fff; color: var(--ink); border: 1px solid #E6E6E3; }
.btn-light:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-ghost { background: transparent; color: var(--ink); border: 1.5px solid rgba(10,10,11,.22); }
.btn-ghost:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-on-dark { color: #fff; border-color: rgba(255,255,255,.4); }
.btn-on-dark:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-lg { padding: 19px 38px; font-size: 16px; }
.btn-sm { padding: 11px 18px; font-size: 13px; }
.btn:active { opacity: .92; }

.btn-link {
  display: inline-flex; align-items: center; gap: 7px; font-size: 14px; font-weight: 600;
  color: var(--m); position: relative; cursor: pointer; background: none; border: none; padding: 4px 0;
}
.btn-link.ins { color: var(--i); }
.btn-link svg { width: 15px; height: 15px; transition: transform .25s; }
.btn-link::after { content: ""; position: absolute; left: 0; bottom: 0; height: 1.5px; width: 100%; background: currentColor; transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.btn-link:hover::after { transform: scaleX(1); }
.btn-link:hover svg { transform: translateX(3px); }

.circ {
  width: 44px; height: 44px; border-radius: 50%; background: var(--ink); color: #fff;
  display: grid; place-items: center; border: none; cursor: pointer; flex: none;
  transition: transform .2s var(--ease-spring);
}
.circ:hover { transform: translateY(-2px); }
.circ svg { width: 18px; height: 18px; }

:focus-visible { outline: 3px solid var(--m); outline-offset: 2px; border-radius: 4px; }

/* ════════════════════════════ HEADER ════════════════════════════ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 60;
  display: flex; align-items: center; justify-content: space-between; gap: clamp(12px, 2.2vw, 28px);
  padding: 20px clamp(20px, 4vw, 48px); transition: background .3s var(--ease-snap), padding .3s var(--ease-snap), box-shadow .3s, border-color .3s;
  border-bottom: 1px solid transparent;
}
.site-header .brand { display: flex; align-items: center; gap: 11px; flex: none; }
.site-header .brand .mark { width: 36px; height: 36px; color: #fff; }
.site-header .brand .bt { display: flex; flex-direction: column; line-height: 1.1; }
.site-header .brand .bn { font-family: var(--serif); font-style: italic; font-size: 19px; color: #fff; white-space: nowrap; }
.site-header .brand .bs { font-family: var(--mono); font-size: 8.5px; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.6); margin-top: 2px; }
.site-header .brand .bx { font-family: var(--mono); font-size: 8px; letter-spacing: .13em; text-transform: uppercase; color: rgba(255,255,255,.4); margin-top: 1px; }
.nav-links { display: flex; gap: clamp(14px, 1.7vw, 26px); }
.nav-links a { font-family: var(--mono); font-size: 10.5px; letter-spacing: .15em; text-transform: uppercase; color: rgba(255,255,255,.82); transition: color .2s; }
.nav-links a:hover { color: #fff; }
.header-right { display: flex; align-items: center; gap: 18px; flex: none; }
.header-phone {
  display: inline-flex; align-items: center; gap: 8px; white-space: nowrap;
  font-family: var(--sans); font-size: 13px; font-weight: 600; color: #fff;
  padding: 9px 16px; border: 1px solid rgba(255,255,255,.42); border-radius: var(--r-pill);
  transition: background-color .2s var(--ease-snap), color .2s, border-color .2s;
}
.header-phone svg { width: 15px; height: 15px; }
.header-phone:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.header-cta {
  font-family: var(--mono); font-size: 10.5px; letter-spacing: .15em; text-transform: uppercase;
  white-space: nowrap; line-height: 1; flex: none;
  color: var(--ink); background: #fff; padding: 12px 18px; border-radius: var(--r-pill);
  display: inline-flex; align-items: center; gap: 7px; transition: background-color .2s var(--ease-snap), color .2s;
}
.header-cta:hover { background: var(--accent); color: #fff; }
.header-cta svg { width: 13px; height: 13px; }

/* scrolled: solidify to light bar */
.site-header.scrolled {
  background: rgba(255,255,255,.86); backdrop-filter: var(--glass-blur);
  border-bottom-color: rgba(10,10,11,.08); box-shadow: var(--sh-1); padding-top: 14px; padding-bottom: 14px;
}
.site-header.scrolled .brand .mark { color: var(--m); }
.site-header.scrolled .brand .bn { color: var(--t-hi); }
.site-header.scrolled .brand .bs { color: var(--t-mid); }
.site-header.scrolled .brand .bx { color: var(--t-lo); }
.site-header.scrolled .nav-links a { color: var(--t-mid); }
.site-header.scrolled .nav-links a:hover { color: var(--t-hi); }
.site-header.scrolled .header-phone { color: var(--t-hi); border-color: rgba(10,10,11,.18); }
.site-header.scrolled .header-phone:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.site-header.scrolled .header-cta { background: var(--ink); color: #fff; }

.hamburger { display: none; width: 44px; height: 44px; border-radius: 50%; background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.26); color: #fff; cursor: pointer; place-items: center; transition: background-color .2s var(--ease-snap), border-color .2s, color .2s, transform .2s var(--ease-snap); }
.hamburger svg { width: 20px; height: 20px; }
.hamburger:hover { background: rgba(255,255,255,.24); transform: translateY(-1px); }
.hamburger:active { transform: translateY(0) scale(.95); }
.site-header.scrolled .hamburger { background: var(--paper-3); border-color: rgba(10,10,11,.1); color: var(--ink); }
.site-header.scrolled .hamburger:hover { background: var(--accent); border-color: var(--accent); color: #fff; }

/* wide desktop: drop the tertiary "Powered by" line so brand stays a tidy two lines */
@media (max-width: 1280px) {
  .site-header .brand .bx { display: none; }
}
@media (max-width: 1180px) {
  .nav-links a { font-size: 10px; letter-spacing: .1em; }
  .header-cta { padding: 11px 15px; }
}
/* tablet & below: collapse nav + phone into the hamburger drawer; keep brand + CTA + menu */
@media (max-width: 1060px) {
  .nav-links, .header-phone, .header-right .login { display: none; }
  .hamburger { display: grid; }
  .header-right { gap: 12px; }
}
/* large phone: drop the standalone CTA (it lives in the drawer) for a clean brand + menu row */
@media (max-width: 600px) {
  .header-cta { display: none; }
  .site-header .brand .bn { font-size: 17px; }
}
@media (max-width: 380px) {
  .site-header .brand .bs { display: none; }
  .site-header .brand .mark { width: 32px; height: 32px; }
}

/* drawer */
.scrim { position: fixed; inset: 0; background: rgba(8,8,10,.5); backdrop-filter: blur(3px); opacity: 0; visibility: hidden; transition: opacity .3s, visibility .3s; z-index: 80; }
.scrim.open { opacity: 1; visibility: visible; }
.drawer { position: fixed; top: 0; right: 0; bottom: 0; width: min(380px, 90vw); background: var(--ink); color: #fff; z-index: 90; transform: translateX(100%); transition: transform .4s var(--ease-snap); display: flex; flex-direction: column; padding: 24px; overflow-y: auto; }
.drawer.open { transform: translateX(0); }
.drawer-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.drawer-top .brand { display: flex; align-items: center; gap: 10px; }
.drawer-top .brand .mark { width: 30px; height: 30px; color: #fff; }
.drawer-top .brand .bn { font-family: var(--serif); font-style: italic; font-size: 18px; }
.drawer-close { width: 40px; height: 40px; border-radius: 50%; background: var(--ink-3); border: 1px solid var(--ink-4); color: #fff; cursor: pointer; display: grid; place-items: center; }
.drawer-close svg { width: 18px; height: 18px; }
.drawer-lbl { font-family: var(--mono); font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: var(--t-lo-d); margin: 18px 0 8px; }
.drawer-link { display: flex; align-items: center; justify-content: space-between; padding: 15px 0; border-bottom: 1px solid var(--ink-3); font-size: 16px; color: var(--t-hi-d); transition: color .2s, padding-left .25s var(--ease-snap); }
.drawer-link:hover { color: #fff; padding-left: 8px; }
.drawer-link svg { width: 18px; height: 18px; color: var(--t-lo-d); transition: color .2s, transform .25s var(--ease-snap); }
.drawer-link:hover svg { color: var(--accent); transform: translateX(4px); }
.drawer .btn { width: 100%; margin-top: 20px; background: var(--accent); color: #fff; box-shadow: 0 12px 30px var(--accent-glow); }
.drawer .btn:hover { background: var(--accent-hover); }
.drawer-foot { margin-top: auto; padding-top: 24px; }
.drawer-foot .phone { display: flex; align-items: center; gap: 8px; font-weight: 600; color: #fff; margin-bottom: 10px; }
.drawer-foot .phone svg { width: 16px; height: 16px; }
.drawer-foot .lic { font-family: var(--mono); font-size: 10px; color: var(--t-lo-d); letter-spacing: .04em; line-height: 1.6; }
/* staggered reveal of drawer contents when the menu opens */
@media (prefers-reduced-motion: no-preference) {
  .drawer > *:not(.drawer-top) { opacity: 0; transform: translateX(18px); }
  .drawer.open > *:not(.drawer-top) { opacity: 1; transform: none; transition: opacity .45s var(--ease-out), transform .45s var(--ease-out); }
  .drawer.open > *:nth-child(2) { transition-delay: .07s; }
  .drawer.open > *:nth-child(3) { transition-delay: .12s; }
  .drawer.open > *:nth-child(4) { transition-delay: .17s; }
  .drawer.open > *:nth-child(5) { transition-delay: .22s; }
  .drawer.open > *:nth-child(6) { transition-delay: .27s; }
  .drawer.open > *:nth-child(7) { transition-delay: .32s; }
  .drawer.open > *:nth-child(8) { transition-delay: .37s; }
  .drawer.open > *:nth-child(9) { transition-delay: .42s; }
}

/* ════════════════════════════ HERO (editorial-dark) ════════════════════════════ */
.hero { position: relative; min-height: 100vh; display: flex; align-items: center; justify-content: center; text-align: center; padding: 150px 24px 80px; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background: #2A3340 center/cover no-repeat; }
.hero-bg::after { content: ""; position: absolute; inset: 0; background: radial-gradient(78% 62% at 50% 50%, rgba(8,8,10,.52) 0%, rgba(8,8,10,.12) 62%, transparent 80%), linear-gradient(180deg, rgba(8,8,10,.5) 0%, rgba(8,8,10,.22) 30%, rgba(8,8,10,.28) 60%, rgba(8,8,10,.62) 100%); }
.hero-c { position: relative; z-index: 4; max-width: 860px; }
.hero-eyebrow {
  display: inline-block; font-family: var(--sans); font-weight: 600; font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase;
  color: #fff; padding: 8px 16px; border: 1px solid rgba(255,255,255,.42); border-radius: var(--r-pill);
  background: rgba(255,255,255,.08); backdrop-filter: var(--glass-blur); margin-bottom: 28px;
}
.hero-h {
  font-family: var(--serif); font-weight: 300; font-size: clamp(48px, 7vw, 104px);
  line-height: 1.0; letter-spacing: -0.028em; color: #fff; margin: 0; text-shadow: 0 2px 40px rgba(0,0,0,.3);
}
.hero-h em { font-style: italic; }
.hero-h .red { color: #fff; }
.hero-sub-strong { font-family: var(--sans); font-weight: 700; font-size: 17px; color: #fff; margin: 28px 0 6px; }
.hero-sub { font-family: var(--sans); font-weight: 400; font-size: 15.5px; line-height: 1.55; color: rgba(255,255,255,.84); max-width: 50ch; margin: 0 auto; }
.hero-sub b { color: #fff; font-weight: 600; }

/* AI ask bar */
.ask-bar { display: flex; align-items: center; gap: 12px; max-width: 460px; margin: 32px auto 0; padding: 9px 9px 9px 22px; background: var(--glass-pill); border: 1px solid var(--glass-pill-bd); border-radius: var(--r-pill); backdrop-filter: var(--glass-blur); transition: box-shadow .3s, border-color .3s; }
.ask-bar:focus-within { border-color: rgba(255,255,255,.5); box-shadow: 0 8px 30px rgba(0,0,0,.3); }
.ask-bar input { flex: 1; background: none; border: none; outline: none; font-family: var(--sans); font-size: 14.5px; color: #fff; }
.ask-bar input::placeholder { color: rgba(255,255,255,.7); }
.ask-bar .go { width: 44px; height: 44px; border-radius: 50%; background: rgba(255,255,255,.18); display: grid; place-items: center; flex: none; border: none; cursor: pointer; transition: background .2s, transform .2s var(--ease-spring); }
.ask-bar .go:hover { background: rgba(255,255,255,.3); transform: scale(1.06); }
.ask-bar .go svg { width: 18px; height: 18px; color: #fff; }
.ask-cap { font-family: var(--serif); font-style: italic; font-size: 17px; color: rgba(255,255,255,.92); margin-top: 18px; }

/* laurels */
.laurels { display: flex; justify-content: center; gap: 44px; margin-top: 36px; flex-wrap: wrap; }
.laurel { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,.92); }
.laurel svg { width: 32px; height: 44px; opacity: .82; flex: none; }
.laurel .lt { text-align: center; }
.laurel .lt .a { font-family: var(--serif); font-size: 15px; font-style: italic; white-space: nowrap; }
.laurel .lt .b { font-family: var(--mono); font-size: 8px; letter-spacing: .13em; text-transform: uppercase; opacity: .78; margin-top: 2px; white-space: nowrap; }

.scroll-cue { position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%); z-index: 4; color: rgba(255,255,255,.6); display: grid; place-items: center; }
.scroll-cue svg { width: 22px; height: 22px; animation: bob 2.4s ease-in-out infinite; }
@keyframes bob { 0%,100% { transform: translateY(0); } 50% { transform: translateY(6px); } }

@media (max-width: 760px) {
  .hero { min-height: 92vh; padding: 130px 22px 64px; }
  .laurels { gap: 28px; }
  .ask-cap { font-size: 15px; }
}

/* ════════════════════════════ MINI LINK-CARDS ════════════════════════════ */
.minis-section { position: relative; margin-top: -64px; z-index: 30; }
.mini-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
@media (max-width: 900px) { .mini-row { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .mini-row { grid-template-columns: 1fr; } }
.mini {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 22px 22px; border: 1px solid #ECECE9; border-radius: var(--r-md); background: #fff;
  box-shadow: var(--sh-2); transition: box-shadow .22s, transform .22s; text-align: left;
}
.mini:hover { box-shadow: var(--sh-3); transform: translateY(-3px); }
.mini .ttl { font-size: 17px; font-weight: 700; color: var(--t-hi); }
.mini .badge { display: inline-flex; align-items: center; gap: 5px; font-size: 10.5px; font-weight: 600; color: var(--ok); background: var(--ok-soft); padding: 3px 9px; border-radius: var(--r-pill); margin-bottom: 7px; }
.mini .badge.ins { color: var(--i); background: var(--i-soft); }
.mini .badge svg { width: 12px; height: 12px; }
.mini .arr { width: 22px; height: 22px; flex: none; color: var(--t-hi); transition: transform .22s; }
.mini:hover .arr { transform: translateX(3px); }

/* ════════════════════════════ PILLARS (feature tiles) ════════════════════════════ */
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .cards-3 { grid-template-columns: 1fr; } }
.feat { background: #fff; border: 1px solid #ECECE9; border-radius: var(--r-card); padding: 30px; transition: transform .25s, box-shadow .25s; }
.feat:hover { transform: translateY(-4px); box-shadow: var(--sh-3); }
.feat .ic { width: 48px; height: 48px; border-radius: 14px; background: var(--m-soft); color: var(--m); display: grid; place-items: center; margin-bottom: 20px; }
.feat .ic svg { width: 25px; height: 25px; }
.feat.ins .ic { background: var(--i-soft); color: var(--i); }
.feat.ai .ic { background: var(--ai-soft); color: var(--ai); }
.feat h3 { font-size: 20px; font-weight: 700; margin: 0 0 9px; color: var(--t-hi); letter-spacing: -0.01em; }
.feat p { font-size: 14.5px; line-height: 1.55; color: var(--t-mid); margin: 0 0 18px; }

/* ════════════════════════════ SPLIT (broker value) ════════════════════════════ */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split.rev .split-media { order: 2; }
@media (max-width: 900px) { .split, .split.rev { grid-template-columns: 1fr; gap: 40px; } .split.rev .split-media { order: 0; } }
.split-media { position: relative; }
.split-media img { width: 100%; height: 100%; max-height: 540px; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--sh-3); }
.split-media .badge {
  position: absolute; bottom: -22px; left: -22px; background: var(--ink); color: #fff;
  border-radius: var(--r-md); padding: 20px 24px; display: flex; align-items: center; gap: 14px; box-shadow: var(--sh-4);
}
@media (max-width: 540px) { .split-media .badge { left: 12px; bottom: 12px; padding: 16px 18px; } }
.split-media .badge .bk { font-family: var(--sans); font-weight: 700; font-size: 38px; color: var(--m); line-height: 1; }
.split-media .badge.grn .bk { color: var(--i); }
.split-media .badge .bv { font-size: 12.5px; line-height: 1.4; color: rgba(255,255,255,.82); }
.split-copy .h2 { color: var(--t-hi); }
.checklist { list-style: none; margin: 26px 0 30px; padding: 0; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 13px; align-items: flex-start; font-size: 15px; line-height: 1.5; color: var(--t-mid); }
.checklist li b { color: var(--t-hi); font-weight: 600; }
.checklist .ci { flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--m-soft); color: var(--m); display: grid; place-items: center; margin-top: 1px; }
.checklist .ci svg { width: 14px; height: 14px; }
.split.ins .checklist .ci { background: var(--i-soft); color: var(--i); }

/* ════════════════════════════ RATE TABLE ════════════════════════════ */
.rate-tbl { width: 100%; border-radius: var(--r-md); overflow: hidden; border: 1px solid rgba(10,10,11,.09); box-shadow: var(--sh-1); }
.rate-tbl .hd, .rate-tbl .rw { display: grid; grid-template-columns: 1.5fr 1fr 1fr .9fr; gap: 14px; padding: 16px 22px; align-items: center; }
.rate-tbl .hd { background: var(--paper-3); font-family: var(--mono); font-size: 10px; letter-spacing: .12em; text-transform: uppercase; color: var(--t-mid); }
.rate-tbl .hd .ar, .rate-tbl .rw .num { text-align: right; }
.rate-tbl .rw { border-top: 1px solid rgba(10,10,11,.07); background: #fff; transition: background .2s; }
.rate-tbl .rw:hover { background: var(--m-soft); }
.rate-tbl .prod { font-size: 15px; font-weight: 600; color: var(--t-hi); }
.rate-tbl .prod span { display: block; font-weight: 400; font-size: 12px; color: var(--t-lo); margin-top: 2px; }
.rate-tbl .num { font-family: var(--mono); font-size: 17px; font-weight: 600; color: var(--t-hi); font-variant-numeric: tabular-nums; }
.rate-tbl .num.apr { font-size: 14px; color: var(--t-mid); }
.rate-tbl .cta { text-align: right; }
@media (max-width: 760px) {
  .rate-tbl .hd { display: none; }
  .rate-tbl .rw { grid-template-columns: 1fr auto; gap: 6px 14px; }
  .rate-tbl .rw .prod { grid-column: 1 / 2; }
  .rate-tbl .rw .num { grid-column: 2 / 3; text-align: right; }
  .rate-tbl .rw .num.apr { grid-row: 2; }
  .rate-tbl .rw .cta { grid-column: 1 / 3; margin-top: 8px; text-align: left; }
}
.rate-note { font-size: 12.5px; color: var(--t-lo); margin-top: 16px; }

/* ════════════════════════════ TALL PHOTO FEATURE CARDS (#15) ════════════════════════════ */
.pcards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .pcards { grid-template-columns: 1fr; max-width: 440px; margin: 0 auto; } }
.pcard { position: relative; border-radius: var(--r-lg); overflow: hidden; min-height: 460px; display: flex; flex-direction: column; justify-content: flex-end; padding: 26px; color: #fff; box-shadow: var(--sh-3); }
.pcard .pbg { position: absolute; inset: 0; background-size: cover; background-position: center; transition: transform .6s var(--ease-out); }
.pcard:hover .pbg { transform: scale(1.05); }
.pcard .pbg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0,0,0,.2) 0%, transparent 22%, rgba(0,0,0,.5) 56%, rgba(0,0,0,.92) 100%); }
.pcard .glasswidget { position: relative; z-index: 2; background: rgba(20,20,24,.5); border: 1px solid rgba(255,255,255,.16); border-radius: var(--r-md); backdrop-filter: var(--glass-blur); padding: 18px; margin-bottom: auto; }
.pcard .gw-lbl { font-family: var(--mono); font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.62); }
.pcard .gw-big { font-family: var(--mono); font-size: 24px; font-weight: 600; margin-top: 8px; font-variant-numeric: tabular-nums; }
.pcard .gw-rows { margin-top: 6px; }
.pcard .gw-rows .gr { display: flex; justify-content: space-between; font-size: 12px; margin-top: 8px; color: rgba(255,255,255,.82); }
.pcard .gw-rows .gr b { font-family: var(--mono); font-weight: 500; }
.pcard .ptext { position: relative; z-index: 2; margin-top: 18px; text-shadow: 0 1px 12px rgba(0,0,0,.6); }
.pcard .ptext h3 { margin: 0 0 6px; font-size: 20px; font-weight: 700; letter-spacing: -0.01em; }
.pcard .ptext p { margin: 0; font-size: 14px; line-height: 1.5; color: rgba(255,255,255,.78); }
.cal-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; margin-top: 10px; }
.cal-grid span { aspect-ratio: 1; border-radius: 5px; background: rgba(255,255,255,.1); display: grid; place-items: center; font-family: var(--mono); font-size: 9px; color: rgba(255,255,255,.5); }
.cal-grid span.hot { background: rgba(255,255,255,.9); color: var(--ink); font-weight: 600; }
.gw-bar { height: 6px; border-radius: 3px; background: rgba(255,255,255,.18); margin: 8px 0 3px; overflow: hidden; }
.gw-bar i { display: block; height: 100%; background: #fff; border-radius: 3px; }

/* ════════════════════════════ BUILD YOUR ESTIMATE + PHONE (#21) ════════════════════════════ */
.estimate-stage { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
@media (max-width: 760px) { .estimate-stage { grid-template-columns: 1fr; gap: 40px; } }
.est-eyebrow { font-family: var(--mono); font-size: 11px; letter-spacing: .16em; text-transform: uppercase; color: var(--m); margin-bottom: 16px; }
.est-head { font-family: var(--sans); font-size: clamp(26px, 3.2vw, 38px); font-weight: 700; color: var(--t-hi); line-height: 1.18; letter-spacing: -.02em; margin: 0; max-width: 16ch; }
.est-foot { font-size: 13px; color: var(--t-mid); margin: 18px 0 0; }
.phone-mock { width: 250px; margin: 0 auto; border-radius: 36px; background: var(--ink); border: 9px solid #16161A; box-shadow: var(--sh-4); padding: 20px 18px 24px; }
.phone-mock .pn-lbl { font-size: 11px; color: var(--t-lo-d); text-align: center; margin-bottom: 12px; }
.phone-mock .pn-h { font-family: var(--sans); font-weight: 700; font-size: 19px; color: #fff; text-align: center; margin-bottom: 18px; line-height: 1.2; }
.phone-mock .pn-card { background: var(--ai-soft); border-radius: var(--r-md); padding: 16px; text-align: center; }
.phone-mock .pn-card .pl { font-size: 10px; color: #4B45A6; letter-spacing: .04em; }
.phone-mock .pn-card .pv { font-family: var(--sans); font-weight: 700; font-size: 36px; color: var(--ink); font-variant-numeric: tabular-nums; }
.phone-mock .pn-foot { display: flex; gap: 10px; margin-top: 14px; }
.phone-mock .pn-foot div { flex: 1; background: var(--ink-3); border-radius: var(--r-sm); padding: 10px 8px; text-align: center; }
.phone-mock .pn-foot .pf-l { font-size: 8px; letter-spacing: .08em; color: var(--t-lo-d); }
.phone-mock .pn-foot .pf-v { font-family: var(--mono); font-size: 12px; color: #fff; margin-top: 2px; }

/* ════════════════════════════ CALCULATOR (pink, tilted cards #22) ════════════════════════════ */
.calc-stage { background: var(--paper-pink); border-radius: var(--r-xl); padding: 56px; display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
@media (max-width: 760px) { .calc-stage { grid-template-columns: 1fr; padding: 36px 28px; gap: 48px; } }
.calc-copy h3 { font-family: var(--sans); font-weight: 700; font-size: clamp(28px, 3.4vw, 40px); color: var(--t-hi); margin: 0 0 14px; letter-spacing: -.02em; }
.calc-copy p { font-size: 15px; color: var(--t-mid); margin: 0 0 26px; line-height: 1.55; max-width: 38ch; }
.calc-cards { position: relative; height: 280px; }
@media (max-width: 760px) { .calc-cards { height: 250px; } }
.cc { position: absolute; border-radius: var(--r-md); padding: 20px; box-shadow: var(--sh-3); transition: transform .3s var(--ease-spring); }
.cc .lab { font-size: 11px; opacity: .72; }
.cc .big { font-family: var(--sans); font-weight: 700; font-size: 30px; letter-spacing: -.01em; margin-top: 4px; font-variant-numeric: tabular-nums; }
.cc.blue  { background: #C9D6F5; color: #23304F; top: 40px;  left: 0;     width: 220px; transform: rotate(-7deg); }
.cc.pink  { background: #F3D2D6; color: var(--wine); top: 0;     right: 30px;  width: 176px; transform: rotate(6deg); }
.cc.cream { background: #F2E2CE; color: #6E4A2A; top: 150px; right: 0;     width: 196px; transform: rotate(-3deg); }
.cc.blue:hover  { transform: rotate(-7deg) translateY(-6px); }
.cc.pink:hover  { transform: rotate(6deg) translateY(-6px); }
.cc.cream:hover { transform: rotate(-3deg) translateY(-6px); }

/* ════════════════════════════ NEIGHBORS (burgundy testimonial #23) ════════════════════════════ */
.neighbors { display: grid; grid-template-columns: 1fr 1.2fr; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--sh-3); }
@media (max-width: 760px) { .neighbors { grid-template-columns: 1fr; } }
.neighbors .wine { background: var(--wine); padding: 48px; display: flex; flex-direction: column; justify-content: flex-end; min-height: 240px; }
.neighbors .wine .eyebrow { color: rgba(255,255,255,.7); }
.neighbors .wine h3 { font-family: var(--sans); font-weight: 700; font-size: clamp(28px, 3vw, 38px); color: #fff; margin: 0; line-height: 1.08; letter-spacing: -.02em; }
.neighbors .quote { background: var(--paper-3); padding: 48px; }
.neighbors .quote .qm { font-family: var(--serif); font-size: 56px; color: var(--t-lo); line-height: .4; }
.neighbors .quote .qt { font-size: 21px; color: var(--t-hi); line-height: 1.45; margin: 24px 0; font-weight: 500; text-wrap: pretty; }
.neighbors .quote .qn { font-size: 14px; color: var(--t-mid); }
.neighbors .quote .tp { display: flex; align-items: center; justify-content: space-between; margin-top: 28px; }
.neighbors .quote .tp .star { color: var(--ok); font-weight: 700; font-size: 15px; }
.neighbors .quote .tp .pager { font-size: 13px; color: var(--t-mid); display: inline-flex; gap: 14px; align-items: center; }
.neighbors .quote .tp .pager button { background: none; border: none; cursor: pointer; color: var(--t-mid); font-size: 18px; line-height: 1; }

/* ════════════════════════════ FORECAST BAND ════════════════════════════ */
.forecast { background: var(--grad-forecast); color: #fff; }
.fc-inner { text-align: center; }
.fc-h { font-family: var(--serif); font-weight: 300; font-size: var(--fs-display-m); letter-spacing: -.025em; margin: 0; }
.fc-h em { font-style: italic; }
.fc-h .grn { color: #8FE0A0; font-style: italic; }
.fc-sub { font-size: 16px; color: rgba(255,255,255,.8); max-width: 50ch; margin: 18px auto 0; line-height: 1.55; }
.fc-panel { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.16); border-radius: var(--r-lg); padding: 30px 32px 24px; margin: 44px auto 0; max-width: 960px; backdrop-filter: var(--glass-blur); }
.fc-panel .top { display: flex; justify-content: space-between; margin-bottom: 12px; gap: 16px; flex-wrap: wrap; }
.fc-panel .k { font-family: var(--mono); font-size: 10px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.55); }
.fc-panel .v { font-family: var(--mono); font-size: 26px; font-weight: 600; color: #fff; margin-top: 6px; font-variant-numeric: tabular-nums; }
.fc-panel .v.fut { color: #BFD4FF; }
.fc-panel .v small { font-size: 13px; color: var(--up); }
.fc-chart { position: relative; height: 170px; margin-top: 12px; }
.fc-pin { position: absolute; transform: translateX(-50%); display: flex; flex-direction: column; align-items: center; }
.fc-pin .dot { width: 32px; height: 32px; border-radius: 50%; background: #fff; color: var(--ink); display: grid; place-items: center; box-shadow: 0 4px 16px rgba(0,0,0,.45); z-index: 2; }
.fc-pin .dot svg { width: 16px; height: 16px; }
.fc-pin .lbl { position: absolute; top: -26px; font-family: var(--mono); font-size: 9px; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.75); white-space: nowrap; }
.fc-pin .stem { width: 1.5px; flex: 1; background: rgba(255,255,255,.4); }
.fc-axis { display: flex; justify-content: space-between; font-family: var(--mono); font-size: 9px; letter-spacing: .08em; color: rgba(255,255,255,.5); margin-top: 10px; }

/* ════════════════════════════ GRADIENT TESTIMONIALS (dark) ════════════════════════════ */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .testi-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; } }
.testi { aspect-ratio: 1/1.04; border-radius: var(--r-lg); padding: 26px; display: flex; flex-direction: column; justify-content: space-between; color: #fff; box-shadow: var(--sh-3); }
.testi .stars { font-size: 13px; letter-spacing: 3px; text-align: center; color: rgba(255,255,255,.95); }
.testi .quote { font-size: 17px; line-height: 1.5; text-align: center; font-weight: 500; text-wrap: balance; }
.testi .who { font-family: var(--mono); font-size: 10px; letter-spacing: .14em; text-transform: uppercase; text-align: center; color: rgba(255,255,255,.92); }
.t-sky { background: var(--grad-tile-sky); }
.t-moss { background: var(--grad-tile-moss); }
.t-teal { background: var(--grad-tile-teal); }

/* ════════════════════════════ INSURANCE (coverage + quote) ════════════════════════════ */
.ins-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .ins-grid { grid-template-columns: 1fr; gap: 40px; } }
.cov { display: grid; gap: 12px; margin-top: 26px; }
.cov-opt { display: flex; align-items: center; gap: 16px; padding: 18px 20px; border: 1.5px solid rgba(10,10,11,.1); border-radius: var(--r-md); background: #fff; cursor: pointer; transition: border-color .2s, box-shadow .2s, transform .2s; text-align: left; }
.cov-opt:hover { transform: translateY(-2px); box-shadow: var(--sh-2); }
.cov-opt.on { border-color: var(--i); box-shadow: 0 0 0 3px var(--i-soft); }
.cov-opt .radio { width: 22px; height: 22px; border-radius: 50%; border: 2px solid rgba(10,10,11,.25); flex: none; display: grid; place-items: center; transition: border-color .2s; }
.cov-opt.on .radio { border-color: var(--i); }
.cov-opt.on .radio::after { content: ""; width: 11px; height: 11px; border-radius: 50%; background: var(--i); }
.cov-opt .txt { flex: 1; }
.cov-opt .txt h5 { margin: 0 0 3px; font-size: 16px; font-weight: 700; color: var(--t-hi); }
.cov-opt .txt p { margin: 0; font-size: 13px; color: var(--t-mid); }
.cov-opt .price { font-family: var(--mono); font-size: 20px; font-weight: 600; color: var(--t-hi); text-align: right; font-variant-numeric: tabular-nums; }
.cov-opt .price span { display: block; font-size: 10px; color: var(--t-lo); }

.quotecard { background: var(--i-navy); border-radius: var(--r-lg); padding: 32px; color: #fff; box-shadow: var(--sh-3); }
.quotecard .ql { font-family: var(--mono); font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.6); }
.quotecard .qbig { font-family: var(--mono); font-size: 48px; font-weight: 600; margin: 12px 0 4px; font-variant-numeric: tabular-nums; }
.quotecard .qbig span { font-size: 17px; color: rgba(255,255,255,.7); }
.quotecard .qsub { font-size: 13.5px; color: rgba(255,255,255,.74); margin-bottom: 22px; }
.quotecard .qrow { display: flex; justify-content: space-between; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.14); font-size: 14px; }
.quotecard .qrow b { font-family: var(--mono); }
.quotecard .savings { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; font-size: 12px; font-weight: 600; color: #8FE0A0; background: rgba(80,180,90,.16); padding: 5px 12px; border-radius: var(--r-pill); }
.quotecard .savings svg { width: 13px; height: 13px; }
.quotecard .btn { width: 100%; margin-top: 22px; }

/* ════════════════════════════ AI ASK (lavender dark) ════════════════════════════ */
.ai-section { background: var(--ink); color: #fff; text-align: center; position: relative; overflow: hidden; }
.ai-section::before { content: ""; position: absolute; inset: 0; background: radial-gradient(60% 50% at 50% 0%, rgba(139,140,240,.16), transparent 70%); pointer-events: none; }
.ai-inner { position: relative; z-index: 2; max-width: 640px; margin: 0 auto; }
.ai-star { width: 44px; height: 44px; margin: 0 auto 22px; color: var(--ai); }
.ai-h { font-family: var(--serif); font-weight: 300; font-size: var(--fs-display-m); letter-spacing: -.02em; margin: 0; color: #fff; }
.ai-h em { font-style: italic; color: var(--ai-2); }
.ai-p { font-size: 16px; color: var(--t-mid-d); max-width: 46ch; margin: 18px auto 30px; line-height: 1.55; }
.ai-input { display: flex; align-items: center; gap: 12px; max-width: 480px; margin: 0 auto; padding: 8px 8px 8px 22px; background: var(--ink-3); border: 1px solid var(--ink-4); border-radius: var(--r-pill); transition: border-color .25s; }
.ai-input:focus-within { border-color: var(--ai); }
.ai-input input { flex: 1; background: none; border: none; outline: none; font-family: var(--sans); font-size: 15px; color: #fff; }
.ai-input input::placeholder { color: var(--t-mid-d); }
.ai-input .go { width: 44px; height: 44px; border-radius: 50%; background: var(--ai); color: #fff; display: grid; place-items: center; flex: none; border: none; cursor: pointer; transition: transform .2s var(--ease-spring), background .2s; }
.ai-input .go:hover { transform: scale(1.06); background: var(--ai-2); }
.ai-input .go svg { width: 18px; height: 18px; }
.ai-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 22px; }
.ai-chip { font-size: 13px; color: var(--t-mid-d); background: var(--ink-3); border: 1px solid var(--ink-4); padding: 9px 16px; border-radius: var(--r-pill); cursor: pointer; transition: border-color .2s, color .2s; }
.ai-chip:hover { border-color: var(--ai); color: #fff; }

/* ════════════════════════════ STATS PROOF ════════════════════════════ */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
@media (max-width: 760px) { .stats { grid-template-columns: 1fr 1fr; gap: 36px 16px; } }
.stat .num { font-family: var(--sans); font-weight: 700; font-size: clamp(38px, 5vw, 56px); letter-spacing: -.02em; color: var(--t-hi); line-height: 1; font-variant-numeric: tabular-nums; }
.stat .num .u { color: var(--m); }
.stat .t { font-size: 15px; font-weight: 600; color: var(--t-hi); margin-top: 12px; }
.stat .d { font-size: 12.5px; color: var(--t-mid); margin-top: 6px; line-height: 1.45; }

/* ════════════════════════════ OFFER CARDS ════════════════════════════ */
.offers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 900px) { .offers { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; } }
.offer { background: #fff; border: 1px solid #ECECE9; border-radius: var(--r-card); overflow: hidden; transition: transform .25s, box-shadow .25s; }
.offer:hover { transform: translateY(-4px); box-shadow: var(--sh-3); }
.offer .img { height: 180px; position: relative; overflow: hidden; background: var(--paper-3); }
.offer .img img { width: 100%; height: 100%; object-fit: cover; }
.offer .img .tag { position: absolute; top: 14px; left: 14px; z-index: 2; display: inline-flex; align-items: center; gap: 5px; background: rgba(255,255,255,.94); color: var(--m); font-size: 11px; font-weight: 600; padding: 6px 12px; border-radius: var(--r-pill); }
.offer .img .tag.ins { color: var(--i); }
.offer .img .tag svg { width: 12px; height: 12px; }
.offer .ob { padding: 26px; }
.offer .ob h3 { margin: 0 0 8px; font-size: 19px; font-weight: 700; color: var(--t-hi); letter-spacing: -0.01em; }
.offer .ob p { margin: 0 0 18px; font-size: 14px; line-height: 1.5; color: var(--t-mid); }

/* ════════════════════════════ FINAL CTA (photo) ════════════════════════════ */
.final { position: relative; padding: 130px 0; text-align: center; color: #fff; overflow: hidden; }
.final .bg { position: absolute; inset: 0; }
.final .bg img { width: 100%; height: 100%; object-fit: cover; }
.final .bg::after { content: ""; position: absolute; inset: 0; background: radial-gradient(85% 75% at 50% 48%, rgba(8,8,10,.42) 0%, rgba(8,8,10,.5) 60%, rgba(8,8,10,.72) 100%), linear-gradient(180deg, rgba(8,8,10,.46), rgba(8,8,10,.4) 45%, rgba(8,8,10,.6)); }
.final .wrap { position: relative; z-index: 2; }
.final .h2 { color: #fff; }
.final .h2 .red { color: #fff; }
.final .lede { color: rgba(255,255,255,.85); margin-left: auto; margin-right: auto; }
.final-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 32px; }

/* ════════════════════════════ FOOTER ════════════════════════════ */
.site-footer { background: var(--ink); color: var(--t-hi-d); padding: 72px 0 40px; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px; }
@media (max-width: 900px) { .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 540px) { .footer-top { grid-template-columns: 1fr 1fr; } }
.footer-brand .mark { width: 42px; height: 42px; color: #fff; margin-bottom: 16px; }
.footer-brand .bn { font-family: var(--serif); font-style: italic; font-size: 22px; color: #fff; }
.footer-brand p { font-size: 13px; color: var(--t-mid-d); line-height: 1.55; max-width: 34ch; margin: 14px 0; }
.footer-brand .nap { font-family: var(--mono); font-size: 12px; color: var(--t-mid-d); line-height: 1.8; }
.footer-brand .nap a { color: var(--t-hi-d); }
.footer-col h6 { font-family: var(--mono); font-size: 10px; letter-spacing: .14em; text-transform: uppercase; color: var(--t-lo-d); margin: 4px 0 16px; }
.footer-col a { display: block; font-size: 13.5px; color: var(--t-mid-d); margin-bottom: 12px; transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-legal { margin-top: 48px; padding-top: 28px; border-top: 1px solid var(--ink-4); }
.footer-legal .ehl { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--t-hi-d); margin-bottom: 14px; }
.footer-legal .ehl svg { width: 18px; height: 18px; }
.footer-legal p { font-size: 11.5px; line-height: 1.6; color: var(--t-lo-d); margin: 0 0 14px; max-width: 92ch; }
.footer-legal a { color: var(--t-mid-d); text-decoration: underline; }
.footer-bot { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px; }
.footer-soc { display: flex; gap: 14px; }
.footer-soc a { width: 36px; height: 36px; border-radius: 50%; background: var(--ink-3); border: 1px solid var(--ink-4); display: grid; place-items: center; color: var(--t-mid-d); transition: color .2s, border-color .2s; }
.footer-soc a:hover { color: #fff; border-color: var(--ink-5); }
.footer-soc svg { width: 17px; height: 17px; }
.footer-nmls { font-family: var(--mono); font-size: 10.5px; color: var(--t-lo-d); letter-spacing: .04em; }

/* ════════════════════════════ FAQ ════════════════════════════ */
.faq-list { display: grid; gap: 12px; }
.faq-item { border: 1px solid rgba(10,10,11,.09); border-radius: var(--r-md); background: #fff; overflow: hidden; transition: box-shadow .2s; }
.faq-item:hover { box-shadow: var(--sh-1); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 24px; font-size: 16.5px; font-weight: 600; color: var(--t-hi); background: none; border: none; cursor: pointer; text-align: left; }
.faq-q .ico { flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--paper-3); color: var(--m); display: grid; place-items: center; transition: transform .3s var(--ease-snap); }
.faq-q .ico svg { width: 16px; height: 16px; }
.faq-item.open .faq-q .ico { transform: rotate(45deg); background: var(--m); color: #fff; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease-snap); }
.faq-a .inner { padding: 0 24px 22px; font-size: 14.5px; line-height: 1.6; color: var(--t-mid); }

/* ════════════════════════════ INSURANCE BRAND MODE (green) ════════════════════════════ */
/* The shared components hardcode mortgage red; under [data-brand="insurance"] flip to green. */
[data-brand="insurance"] .eyebrow { color: var(--i); }
[data-brand="insurance"] .section.dark .eyebrow { color: var(--i); }
[data-brand="insurance"] .h2 .red { color: var(--i); }
[data-brand="insurance"] .stat .num .u { color: var(--i); }
[data-brand="insurance"] .btn-link { color: var(--i); }
[data-brand="insurance"] .feat .ic { background: var(--i-soft); color: var(--i); }
[data-brand="insurance"] .mini .badge { color: var(--i); background: var(--i-soft); }
[data-brand="insurance"] .offer .img .tag { color: var(--i); }
[data-brand="insurance"] .faq-q .ico { color: var(--i); }
[data-brand="insurance"] .faq-item.open .faq-q .ico { background: var(--i); color: #fff; }
[data-brand="insurance"] .site-header.scrolled .brand .mark { color: var(--i); }
[data-brand="insurance"] ::selection { background: var(--i); color: #fff; }

/* ════════════════════════════ MOTION ════════════════════════════ */
/* Content is ALWAYS visible by default — no layout-affecting entrance, so the
   layout is correct in every environment. Only non-layout decoration animates. */
.reveal { opacity: 1; transform: none; }
@media (prefers-reduced-motion: no-preference) {
  .ai-star { animation: breathe 3.4s ease-in-out infinite; transform-origin: center; }
}
@keyframes breathe { 0%,100% { transform: scale(1); opacity: .92; } 50% { transform: scale(1.1); opacity: 1; } }

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