@import url("https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&display=swap");

:root {
  --navy: #0a1b2d;
  --navy-2: #10263d;
  --blue: #1d5c7b;
  --steel: #60848f;
  --mist: #edf3f5;
  --cream: #f8f7f2;
  --white: #ffffff;
  --ink: #14202b;
  --muted: #5f6f78;
  --line: rgba(20, 32, 43, 0.14);
  --glass: rgba(255, 255, 255, 0.78);
  --glass-strong: rgba(255, 255, 255, 0.9);
  --shadow: 0 22px 70px rgba(4, 18, 32, 0.18);
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --focus: 0 0 0 4px rgba(96, 132, 143, 0.45);
  --font: "Manrope", Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.55;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
}

a:focus-visible,
button:focus-visible {
  outline: none;
  box-shadow: var(--focus);
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  z-index: 1000;
  background: var(--white);
  color: var(--navy);
  padding: 10px 14px;
  border-radius: 10px;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 16px;
}

.shell {
  width: min(1580px, calc(100% - 60px));
  margin-inline: auto;
}

/* Header */
.site-header {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 30px 0;
}

.header-inner {
  width: min(1600px, calc(100% - 72px));
  margin-inline: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  background: transparent;
  border: none;
  border-radius: 0;
  box-shadow: none;
  backdrop-filter: none;
  padding: 0;
  min-height: auto;
}

.brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.brand-logo {
  width: 185px;
  height: auto;
}

.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 34px;
  margin-left: auto;
  padding-right: 34px;
}

.desktop-nav a {
  color: var(--navy);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 650;
  line-height: 1;
  white-space: nowrap;
  transition: opacity 0.2s ease;
}

.desktop-nav a:hover {
  opacity: 0.72;
}

.nav-icon-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.nav-icon {
  width: 18px !important;
  height: 18px !important;
  min-width: 18px !important;
  max-width: 18px !important;
  min-height: 18px !important;
  max-height: 18px !important;
  display: inline-block !important;
  object-fit: contain;
  opacity: 0.85;
  flex: 0 0 18px;
}

/* Mobile menu */
.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 0;
  border-radius: 999px;
  background: var(--navy);
  cursor: pointer;
  padding: 11px;
}

.menu-toggle span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  margin: 5px 0;
}

.mobile-nav {
  width: min(420px, calc(100% - 40px));
  margin: 10px auto 0;
  padding: 16px;
  background: rgba(10, 27, 45, 0.96);
  border-radius: 22px;
  box-shadow: var(--shadow);
}

.mobile-nav a {
  display: block;
  color: var(--white);
  text-decoration: none;
  padding: 14px 12px;
  border-radius: 14px;
}

.mobile-nav a:hover,
.mobile-nav a:focus-visible {
  background: rgba(255, 255, 255, 0.1);
}

/* Hero */
.hero {
  position: relative;
  min-height: 100vh;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding: 90px 0 80px;
}

.hero-bg,
.hero picture {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-bg {
  object-fit: cover;
  object-position: center;
  z-index: -3;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: -2;
  background:
    radial-gradient(
      circle at top left,
      rgba(255,255,255,0.08) 0%,
      rgba(255,255,255,0.03) 18%,
      rgba(255,255,255,0.00) 40%
    );
}

.hero-content {
  width: min(1600px, calc(100% - 72px));
  display: grid;
  grid-template-columns: minmax(760px, 1fr) minmax(390px, 520px);
  gap: 52px;
  align-items: center;
}

.hero-copy {
  max-width: 1420px;
  position: relative;
  z-index: 2;
  transform: translateY(-45px);
}

.hero-copy::before {
  content: "";
  position: absolute;
  z-index: -1;
  pointer-events: none;
  top: -80px;
  left: -120px;
  right: -80px;
  bottom: -120px;
  background:
    radial-gradient(
      ellipse at top left,
      rgba(255,255,255,0.58) 0%,
      rgba(255,255,255,0.34) 28%,
      rgba(255,255,255,0.16) 48%,
      rgba(255,255,255,0.06) 62%,
      rgba(255,255,255,0.00) 78%
    );
  filter: blur(34px);
}

.eyebrow {
  margin: 28px 0 0;
  font-size: 0.78rem;
  font-weight: 760;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #355468;
}

h1,
h2,
h3,
p {
  text-wrap: pretty;
}

h1 {
  margin: 0;
  max-width: 840px;
  font-family: "Manrope", var(--font);
  font-size: clamp(3.45rem, 5.45vw, 5.65rem);
  line-height: 1;
  letter-spacing: -0.03em;
  color: var(--navy);
  font-weight: 700;
}

.hero-support {
  margin-top: 26px;
  padding-left: 28px;
  max-width: 700px;
  border-left: 3px solid var(--blue);
}

.hero-tagline {
  margin: 32px 0 0;
  font-size: clamp(1.2rem, 2.3vw, 1.65rem);
  color: var(--navy-2);
  font-weight: 720;
}

.hero-subline {
  margin: 0;
  font-size: clamp(1.16rem, 1.45vw, 1.34rem);
  line-height: 1.35;
  color: var(--navy);
  font-weight: 500;
  letter-spacing: -0.01em;
}

.hero-body {
  margin: 14px 0 0;
  color: #374955;
  max-width: 56ch;
  font-size: 1.04rem;
  line-height: 1.52;
  font-weight: 400;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 50px;
  padding: 0 24px;
  border-radius: 3px;
  text-decoration: none;
  font-weight: 760;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  color: var(--white);
  background: var(--navy);
}

.button-primary:hover {
  background: var(--blue);
}

.button-secondary {
  color: var(--navy);
  background: rgba(255, 255, 255, 0.76);
  border: 1px solid rgba(10, 27, 45, 0.16);
}

/* Accordion */
.info-panel {
  position: relative;
  background: var(--glass);
  border: 1px solid rgba(255, 255, 255, 0.58);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
  padding: 14px;
  backdrop-filter: blur(18px);
  transform: translateY(-72px);
  max-width: 330px;
  width: 100%;
  justify-self: end;
}

.accordion {
  position: relative;
}

.accordion + .accordion {
  margin-top: 6px;
}

.accordion-trigger {
  width: 100%;
  border: 0;
  background: rgba(255, 255, 255, 0.64);
  color: var(--navy);
  border-radius: 18px;
  padding: 14px 18px 14px 68px;
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  text-align: left;
  font: inherit;
  font-weight: 780;
  position: relative;
}

.accordion-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}

.accordion-title {
  display: block;
  font-size: 0.98rem;
  font-weight: 780;
  line-height: 1.15;
  color: var(--navy);
}

.accordion-subtitle {
  display: block;
  font-size: 0.72rem;
  font-weight: 520;
  line-height: 1.3;
  color: #516573;
  letter-spacing: -0.01em;
}

.accordion-trigger::before {
  content: "";
  position: absolute;
  left: 20px;
  top: 50%;
  width: 32px;
  height: 32px;
  transform: translateY(-50%);
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  opacity: 0.9;
}

.accordion:nth-of-type(1) .accordion-trigger::before {
  background-image: url("/images/icon-who-we-are.svg");
}

.accordion:nth-of-type(2) .accordion-trigger::before {
  background-image: url("/images/icon-how-we-work.svg");
}

.accordion:nth-of-type(3) .accordion-trigger::before {
  background-image: url("/images/icon-coverage-options.svg");
}

.accordion:nth-of-type(4) .accordion-trigger::before {
  background-image: url("/images/icon-who-we-serve.svg");
}

.accordion:nth-of-type(5) .accordion-trigger::before {
  background-image: url("/images/icon-client-experience.svg");
}

.accordion:nth-of-type(6) .accordion-trigger::before {
  background-image: url("/images/icon-why-clients-stay.svg");
}

.accordion-trigger:hover,
.accordion-trigger[aria-expanded="false"] {
  background:
    linear-gradient(120deg, rgba(255,255,255,0.96), rgba(237,243,245,0.82));
}

.accordion-arrow {
  font-size: 1.3rem;
  opacity: 0.72;
}

.accordion-panel {
  position: absolute;
  left: calc(100% - 120px);
  top: 0;
  width: 280px;
  padding: 18px 20px;
  color: #40525d;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 255, 255, 0.64);
  border-radius: 18px;
  box-shadow: 0 18px 45px rgba(4, 18, 32, 0.16);
  backdrop-filter: blur(18px);
  opacity: 0;
  visibility: hidden;
  transform: translateX(-8px);
  pointer-events: none;
  z-index: 20;
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
}

.accordion-panel p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.55;
}

.accordion.is-active .accordion-panel,
.accordion:hover .accordion-panel,
.accordion:focus-within .accordion-panel {
  opacity: 1;
  visibility: visible;
  transform: translateX(0);
}

/* Ambient carrier fade */
.carrier-fade {
  position: relative;
  left: auto;
  bottom: auto;
  transform: none;
  z-index: 3;
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
  padding: 22px 0;
  text-align: center;
  pointer-events: none;
  background: transparent;
}

.carrier-fade span {
  display: inline-block;
  color: rgba(10, 27, 45, 0.42);
  font-size: 0.86rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  transition: opacity 900ms ease;
}

/* Sections */
.section {
  padding: 88px 0;
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 34px;
}

.coverage-section {
  background: var(--white);
  padding-top: 58px;
  padding-bottom: 78px;
}

.coverage-section .section-heading {
  text-align: center;
  max-width: 900px;
}

.coverage-section .section-heading .eyebrow {
  margin: 0 0 8px;
}

.coverage-section .section-heading h2 {
  max-width: 900px;
  margin: 0 auto;
}

.coverage-section .section-heading h2::after {
  content: "";
  display: block;
  width: 42px;
  height: 2px;
  background: var(--blue);
  margin: 10px auto 0;
}

.section-heading h2,
.split-section h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.45rem, 2vw, 2rem);
  line-height: 1.12;
  letter-spacing: -0.025em;
}

.section-heading p,
.split-section p {
  color: var(--muted);
  font-size: 1.03rem;
}

.process-section {
background: #edf1f2;
 padding: 35px 0 35px;
}

.process-combined {
  display: grid;
  grid-template-columns: 0.95fr 1.15fr;
  gap: 56px;
 align-items: start;
}

.review-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.86);
  box-shadow: 0 12px 40px rgba(4, 18, 32, 0.06);
  padding: 24px 32px;
  max-width: 550px;
   min-height: 320px;
  margin-left: 0;
}

.review-card blockquote {
  margin: 0;
  color: var(--navy);
  font-size: 1.05rem;
  line-height: 1.55;
  font-weight: 560;
}

.review-heading {
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #355468;
    margin-bottom: 14px;
}

.review-author {
  margin: 18px 0 0;
  color: var(--navy);
  font-size: 0.95rem;
}

.testimonial-stars {
  margin-top: 18px;
  color: #f5b301;
  font-size: 1.35rem;
  letter-spacing: 0.08em;
}

.testimonial-controls {
  margin-top: 10px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 10px;
}

.testimonial-button {
  width: 28px;
  height: 28px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: rgba(255,255,255,0.9);
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1;
  cursor: pointer;
}

.testimonial-button:hover {
  background: var(--navy);
  color: var(--white);
}

.testimonial-dots {
  display: flex;
  gap: 8px;
}

.testimonial-dot {
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: rgba(10, 27, 45, 0.25);
}

.testimonial-dot.is-active {
  background: var(--navy);
}


.process-side .section-heading {
  margin: 0 0 18px;
}

.process-side .section-heading .eyebrow {
  margin: 0 0 6px;
}

.process-side .section-heading h2::after {
  content: "";
  display: block;
  width: 42px;
  height: 2px;
  background: var(--blue);
  margin: 10px 0 0;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}

.process-step {
  text-align: center;
  position: relative;
}

.process-step:not(:last-child)::after {
  content: "⟶";
  position: absolute;
  top: 42px;
  right: -20px;
  color: var(--muted);
  font-size: 1.4rem;
  font-weight: 700;
}

.process-step img {
  width: 95px;
  height: 95px;
  object-fit: contain;
 margin: 0 auto 14px;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 10px;
  background: rgba(255, 255, 255, 0.74);
}

.process-step h3 {
  margin: 0 0 6px;
  color: var(--navy);
  font-size: 1.15rem;
  font-weight: 700;
}

.process-step p {
  margin: 0 auto;
  max-width: 200px;
  color: #041c41;
  font-size: 0.95rem;
  line-height: 1.5;
  font-weight: 700;
}

.process-grid,
.quote-grid {
  display: grid;
  gap: 18px;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.process-grid {
  grid-template-columns: repeat(4, 1fr);
}

.process-card,
.coverage-card,
.quote-card,
.expectations-card,
.testimonial-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.82);
  box-shadow: 0 12px 40px rgba(4, 18, 32, 0.06);
}

.process-card {
  padding: 22px;
}

.coverage-card {
  min-height: 380px;
  padding: 40px 28px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.process-card img,
.quote-card img {
  width: 44px;
  height: 44px;
  object-fit: contain;
  margin-bottom: 16px;
}

.coverage-card img {
  width: 90px;
  height: 90px;
  object-fit: contain;
  margin-bottom: 24px;
}

.process-card h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 1.02rem;
}

.coverage-card h3 {
  margin: 0 0 12px;
  color: var(--navy);
  font-size: 1.25rem;
  line-height: 1.15;
}

.process-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.94rem;
}

.coverage-card p {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 0.97rem;
  line-height: 1.6;
  max-width: 24ch;
}

.card-button {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: min(220px, 100%);
  min-height: 46px;
  background: var(--navy);
  color: var(--white);
  border-radius: 4px;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.92rem;
  transition: all 0.2s ease;
}

.card-button:hover {
  background: var(--blue);
  transform: translateY(-1px);
}

.split-section {
  background:
    linear-gradient(120deg, rgba(10, 27, 45, 0.94), rgba(16, 38, 61, 0.94)),
    url("/images/section-texture.webp");
  background-size: cover;
  color: var(--white);
}

.split-section h2,
.split-section .eyebrow {
  color: var(--white);
}

.split-section p {
  color: rgba(255, 255, 255, 0.78);
}

.split-grid {
  display: grid;
  grid-template-columns: 1fr 0.85fr;
  gap: 38px;
  align-items: center;
}

.expectations-card {
  padding: 28px;
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.18);
  box-shadow: none;
}

.expectations-card h3 {
  margin: 0 0 14px;
  color: var(--white);
  font-size: 1.35rem;
}

.expectations-card ul {
  margin: 0;
  padding-left: 20px;
  color: rgba(255, 255, 255, 0.82);
}

.expectations-card li + li {
  margin-top: 10px;
}

.quote-grid {
  grid-template-columns: repeat(3, 1fr);
}

.quote-card {
  display: flex;
  align-items: center;
  gap: 16px;
  min-height: 96px;
  padding: 22px;
  color: var(--navy);
  text-decoration: none;
  font-weight: 780;
  transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.quote-card img {
  margin: 0;
}

.quote-card:hover {
  transform: translateY(-2px);
  border-color: rgba(29, 92, 123, 0.35);
  box-shadow: 0 18px 45px rgba(4, 18, 32, 0.1);
}

.quote-card[data-placeholder="true"] {
  opacity: 0.55;
  cursor: not-allowed;
}

.testimonial-section {
  background: var(--white);
  padding-top: 50px;
}

.testimonial-card {
  padding: clamp(28px, 5vw, 54px);
  max-width: 900px;
  margin-inline: auto;
  text-align: center;
  background: linear-gradient(180deg, #ffffff, #f7fafb);
}

.testimonial-card blockquote {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.45rem, 3vw, 2.35rem);
  line-height: 1.18;
  letter-spacing: -0.035em;
  font-weight: 720;
}

.testimonial-author {
  margin: 22px 0 0;
  color: var(--blue);
  font-weight: 780;
}

/* Footer */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 58px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.8fr 1fr 0.75fr;
  gap: 34px;
}

.footer-logo {
  width: 230px;
  filter: brightness(0) invert(1);
  opacity: 0.92;
  margin-bottom: 18px;
}

.site-footer h2 {
  color: var(--white);
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin: 0 0 14px;
}

.site-footer a {
  display: block;
  color: rgba(255, 255, 255, 0.82);
  text-decoration: none;
  margin-bottom: 8px;
}

.site-footer a:hover {
  color: var(--white);
}

.site-footer address {
  font-style: normal;
}

.license {
  color: rgba(255, 255, 255, 0.95);
  font-weight: 700;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 38px;
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  font-size: 0.86rem;
}

/* Tablet */
@media (max-width: 980px) {
  .desktop-nav {
    display: none;
  }

  .menu-toggle {
    display: block;
  }

  .hero {
    align-items: flex-start;
    padding-top: 128px;
  }

  .hero-content {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .hero-copy {
    max-width: 100%;
    transform: none;
  }

  .hero-copy::before {
    content: "";
    position: absolute;
    z-index: -1;
    pointer-events: none;
    top: -80px;
    left: -120px;
    right: -80px;
    bottom: -120px;
    background:
      radial-gradient(
        ellipse at top left,
        rgba(255,255,255,0.58) 0%,
        rgba(255,255,255,0.34) 28%,
        rgba(255,255,255,0.16) 48%,
        rgba(255,255,255,0.06) 62%,
        rgba(255,255,255,0.00) 78%
      );
    filter: blur(34px);
  }

  .info-panel {
    max-width: 720px;
    transform: none;
    justify-self: start;
  }

  .process-grid,
  .coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .quote-grid,
  .split-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

/* Mobile */
@media (max-width: 640px) {
  .shell,
  .header-inner {
    width: min(100% - 28px, 1180px);
  }

  .site-header {
    padding: 20px 0;
  }

  .brand-logo {
    width: min(210px, 58vw);
  }

  .hero {
    padding-top: 118px;
    padding-bottom: 70px;
    min-height: auto;
  }

  .hero-overlay {
    background:
      linear-gradient(
        180deg,
        rgba(255,255,255,0.10) 0%,
        rgba(255,255,255,0.04) 48%,
        rgba(255,255,255,0.00) 100%
      );
  }

  h1 {
    font-size: clamp(3.1rem, 18vw, 5rem);
  }

  .hero-actions {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .process-grid,
  .coverage-grid,
  .quote-grid {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 66px 0;
  }

  .carrier-fade {
    width: min(100% - 28px, 1180px);
    margin: 0 auto;
  padding-top: 32px;
  padding-bottom: 12px;
      font-size: 0.9rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #b7bcc3;
}

#carrier-group {
  transition: opacity 0.5s ease;
}

.carrier-fade span {
  color: rgba(10, 27, 45, 0.5);
}

/* Motion safety */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.001ms !important;
  }
}

/* Legal pages */
.legal-page {
  background: var(--cream);
  color: var(--ink);
}

.legal-shell {
  width: min(860px, calc(100% - 40px));
  margin: 0 auto;
  padding: 64px 0;
}

.legal-shell h1 {
  font-size: clamp(2.4rem, 6vw, 4rem);
  line-height: 1;
  margin: 24px 0;
}

.legal-shell h2 {
  margin-top: 34px;
  color: var(--navy);
}

.legal-shell p {
  color: #40525d;
}

.legal-back {
  display: inline-flex;
  color: var(--blue);
  font-weight: 800;
  text-decoration: none;
  margin-bottom: 20px;
}

.legal-note {
  margin-top: 42px;
  padding: 18px;
  border-radius: 16px;
  background: rgba(29, 92, 123, 0.08);
}

/* MOBILE FIXES ONLY - safe for desktop */
@media (max-width: 640px) {

  .shell,
  .header-inner,
  .hero-content {
    width: calc(100% - 46px);
  }

  .site-header {
    padding: 18px 0;
  }

  .brand-logo {
    width: 150px;
  }

  .menu-toggle {
    width: 44px;
    height: 44px;
    flex: 0 0 44px;
  }

  .mobile-nav {
    position: absolute;
    top: 82px;
    left: 23px;
    right: 23px;
    width: auto;
    margin: 0;
    padding: 24px;
    border-radius: 26px;
    background: rgba(10, 27, 45, 0.96);
    z-index: 500;
  }

  .mobile-nav a {
    font-size: 1.05rem;
    padding: 12px 8px;
  }

  .hero {
    min-height: auto;
    padding-top: 118px;
    padding-bottom: 48px;
    align-items: flex-start;
  }

  .hero-bg {
    object-position: center top;
  }

  .hero-copy {
    transform: none;
  }

  .hero-copy::before {
    top: -60px;
    left: -40px;
    right: -40px;
    bottom: -80px;
    filter: blur(24px);
  }

  h1 {
    font-size: clamp(2.8rem, 14vw, 4.1rem);
    line-height: 0.98;
    letter-spacing: -0.04em;
    max-width: 100%;
  }

  .hero-support {
    margin-top: 22px;
    padding-left: 18px;
  }

  .hero-subline {
    font-size: 1.08rem;
    line-height: 1.35;
  }

  .hero-body {
    font-size: 1rem;
    line-height: 1.45;
  }

  .hero-actions {
    margin-top: 28px;
    flex-direction: column;
    gap: 14px;
  }

  .button {
    width: 100%;
    min-height: 56px;
    font-size: 1rem;
  }

  .hero-copy > .button.button-secondary {
    margin-top: 8px;
  }

  .eyebrow {
    font-size: 0.72rem;
    letter-spacing: 0.16em;
  }

  .info-panel {
    max-width: 100%;
    transform: none;
    justify-self: stretch;
    padding: 12px;
    border-radius: 24px;
    margin-top: 26px;
    overflow: hidden;
  }

  .accordion-trigger {
    min-height: 78px;
    padding: 14px 16px 14px 66px;
    border-radius: 20px;
  }

  .accordion-title {
    font-size: 1.05rem;
  }

  .accordion-subtitle {
    font-size: 0.82rem;
    line-height: 1.25;
  }

  .accordion-panel {
    display: none;
    position: static;
    width: 100%;
    margin-top: 8px;
    padding: 16px 18px;
    opacity: 1;
    visibility: visible;
    transform: none;
    pointer-events: auto;
    box-shadow: none;
    border-radius: 18px;
  }

  .accordion-trigger[aria-expanded="true"] + .accordion-panel {
    display: block;
  }

  .accordion-panel[hidden] {
    display: none !important;
  }

  .coverage-section {
    padding-top: 54px;
    padding-bottom: 60px;
  }

  .coverage-section .section-heading h2 {
    font-size: 1.9rem;
    line-height: 1.1;
  }

  .coverage-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .coverage-card {
    min-height: auto;
    padding: 42px 26px 34px;
  }

  .coverage-card img {
    width: 82px;
    height: 82px;
  }

  .coverage-card h3 {
    font-size: 1.55rem;
  }

  .coverage-card p {
    font-size: 1.08rem;
  }

  .card-button {
    width: 100%;
    min-height: 54px;
    font-size: 1rem;
  }

  .process-section {
    padding: 46px 0;
  }

  .process-combined {
    grid-template-columns: 1fr;
    gap: 38px;
  }

  .review-card {
    max-width: 100%;
    min-height: auto;
    padding: 28px 24px;
  }

  .review-heading {
    font-size: 1.25rem;
    letter-spacing: 0.14em;
  }

  .review-card blockquote {
    font-size: 1.05rem;
    line-height: 1.55;
  }

  .process-side .section-heading h2 {
    font-size: 1.9rem;
    line-height: 1.1;
  }

  .process-steps {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .process-step:not(:last-child)::after {
    display: none;
  }

  .process-step img {
    width: 88px;
    height: 88px;
  }

  .process-step h3 {
    font-size: 1.25rem;
  }

  .process-step p {
    font-size: 1rem;
    max-width: 280px;
  }

  .carrier-fade {
    width: calc(100% - 46px);
    padding: 28px 0 18px;
  }

  .carrier-fade span {
    font-size: 0.82rem;
    letter-spacing: 0.13em;
    line-height: 1.6;
  }

  .site-footer {
    padding: 48px 0 28px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer-logo {
    width: 210px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 10px;
  }
}