/* ============================================================
   NeonGen Life Insurance — Design System
   Palette: deep plum purple / antique gold / warm white
   Type: Source Serif 4 (display) + Instrument Sans (body)
   ============================================================ */

:root {
  /* Color */
  --ink:        #241832;
  --ink-soft:   #4a3f5c;
  --muted:      #6f6584;

  --purple-950: #1f0f44;
  --purple-900: #2a1650;
  --purple-800: #34205f;
  --purple-700: #3d2478;
  --purple-600: #4c2e93;
  --purple-100: #ece6f7;
  --lilac-50:   #f6f3fb;

  --gold-600:   #a8842f;
  --gold-500:   #c6a14b;
  --gold-400:   #d9b968;
  --gold-100:   #f7efdb;

  --paper:      #fdfcfe;
  --white:      #ffffff;
  --line:       #e6e0f0;
  --line-dark:  rgba(255,255,255,.14);

  /* Type */
  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body: "Instrument Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Rhythm */
  --radius-sm: 10px;
  --radius:    16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(36,24,50,.06), 0 4px 12px rgba(36,24,50,.05);
  --shadow-md: 0 2px 6px rgba(36,24,50,.07), 0 16px 40px rgba(36,24,50,.10);
  --container: 1120px;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--purple-700); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--purple-600); }

h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.35rem); }
h3 { font-size: 1.25rem; line-height: 1.3; }
p { margin: 0 0 1em; }
.lead { font-size: 1.15rem; color: var(--ink-soft); }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--purple-700); color: #fff; padding: .6rem 1rem; border-radius: 0 0 8px 0; z-index: 100;
}
.skip-link:focus { left: 0; }

:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; border-radius: 4px; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 clamp(1.1rem, 4vw, 2rem); }

.eyebrow {
  display: inline-block;
  font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-600); margin-bottom: .9rem;
}
.on-dark .eyebrow { color: var(--gold-400); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--font-body); font-weight: 600; font-size: 1.02rem;
  padding: .85rem 1.7rem; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; text-decoration: none; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  min-height: 48px;
}
.btn-gold {
  background: linear-gradient(180deg, var(--gold-400), var(--gold-500));
  color: var(--purple-950);
  box-shadow: 0 2px 10px rgba(198,161,75,.35);
}
.btn-gold:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(198,161,75,.45); color: var(--purple-950); }
.btn-outline { border-color: var(--purple-100); color: var(--purple-700); background: var(--white); }
.btn-outline:hover { border-color: var(--purple-600); }
.on-dark .btn-outline { border-color: var(--line-dark); color: #fff; background: transparent; }
.on-dark .btn-outline:hover { border-color: rgba(255,255,255,.5); color: #fff; }
/* Light surfaces nested inside an .on-dark section keep the light button treatment */
.on-dark .agent-card .btn-outline { border-color: var(--purple-100); color: var(--purple-700); background: var(--white); }
.on-dark .agent-card .btn-outline:hover { border-color: var(--purple-600); background: #f7f4fd; color: var(--purple-700); }
.btn-lg { padding: 1rem 2.2rem; font-size: 1.08rem; }
.btn .arrow { transition: transform .15s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(253,252,254,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; height: 72px; }
.brand { display: inline-flex; align-items: center; gap: .6rem; text-decoration: none; color: var(--ink); }
.brand-mark { width: 34px; height: 34px; flex: none; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.22rem; letter-spacing: -.01em; }
.brand-name span { color: var(--gold-600); }
.site-nav { display: flex; align-items: center; gap: 1.15rem; flex-wrap: nowrap; }
.site-nav a { text-decoration: none; color: var(--ink-soft); font-weight: 500; font-size: .95rem; white-space: nowrap; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--purple-700); }
.nav-cta { margin-left: .4rem; }
.nav-toggle { display: none; }

@media (max-width: 1120px) {
  .nav-toggle {
    display: inline-flex; align-items: center; justify-content: center;
    width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer;
  }
  .site-nav {
    display: none; position: absolute; top: 72px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--white); border-bottom: 1px solid var(--line); padding: .5rem 1.2rem 1.2rem;
    box-shadow: var(--shadow-md);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: .8rem .2rem; border-bottom: 1px solid var(--line); }
  .site-nav .nav-cta { margin: 1rem 0 0; border-bottom: 0; text-align: center; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 480px at 82% -10%, rgba(198,161,75,.22), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(76,46,147,.5), transparent 60%),
    linear-gradient(160deg, var(--purple-950) 0%, var(--purple-800) 55%, var(--purple-700) 100%);
  color: #fff;
}
.hero-inner {
  display: grid; grid-template-columns: 1.08fr .92fr; gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center; padding-top: clamp(3.5rem, 8vw, 6.5rem); padding-bottom: clamp(3.5rem, 8vw, 6.5rem);
}
.hero h1 { color: #fff; margin-bottom: .55em; }
.hero h1 em { font-style: italic; color: var(--gold-400); }
.hero .lead { color: rgba(255,255,255,.82); max-width: 34em; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: .9rem; margin: 1.6rem 0 1.4rem; }
.hero-assurance { display: flex; flex-wrap: wrap; gap: .4rem 1.4rem; padding: 0; margin: 0; list-style: none; font-size: .92rem; color: rgba(255,255,255,.75); }
.hero-assurance li { display: inline-flex; align-items: center; gap: .45rem; }
.hero-assurance svg { width: 15px; height: 15px; color: var(--gold-400); flex: none; }

/* Signature: survey preview card */
.preview-wrap { position: relative; }
.preview-card {
  background: var(--white); color: var(--ink);
  border-radius: var(--radius-lg); padding: 1.8rem 1.7rem 1.6rem;
  box-shadow: 0 24px 60px rgba(15,5,40,.45);
  max-width: 420px; margin-left: auto;
}
.preview-label { font-size: .8rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: .9rem; }
.preview-progress { height: 6px; border-radius: 999px; background: var(--purple-100); overflow: hidden; margin-bottom: 1.3rem; }
.preview-progress span { display: block; height: 100%; width: 26%; border-radius: inherit; background: linear-gradient(90deg, var(--gold-500), var(--gold-400)); }
.preview-q { font-family: var(--font-display); font-size: 1.28rem; font-weight: 600; margin-bottom: 1rem; }
.preview-options { display: grid; gap: .6rem; margin-bottom: 1.2rem; }
.preview-option {
  display: flex; align-items: center; gap: .7rem;
  border: 1.5px solid var(--line); border-radius: 12px; padding: .75rem .9rem;
  font-weight: 500; background: var(--white);
}
.preview-option .dot { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--purple-100); flex: none; }
.preview-option.selected { border-color: var(--gold-500); background: var(--gold-100); }
.preview-option.selected .dot { border-color: var(--gold-600); background: radial-gradient(circle at center, var(--gold-600) 45%, transparent 50%); }
.preview-note { font-size: .88rem; color: var(--muted); margin: 0; }
.preview-chip {
  position: absolute; top: -16px; right: -8px;
  display: inline-flex; align-items: center; gap: .45rem;
  background: var(--purple-950); color: #fff; border: 1px solid rgba(217,185,104,.5);
  font-size: .85rem; font-weight: 600; padding: .5rem .95rem; border-radius: 999px;
  box-shadow: 0 8px 24px rgba(15,5,40,.4);
}
.preview-chip svg { width: 15px; height: 15px; color: var(--gold-400); }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .preview-card { margin: 0 auto; }
  .preview-chip { right: 4px; }
}

/* ---------- Sections ---------- */
.section { padding: clamp(3.4rem, 7vw, 5.5rem) 0; }
.section-tint { background: var(--lilac-50); }
.section-head { max-width: 640px; margin-bottom: clamp(2rem, 4vw, 3rem); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { color: var(--ink-soft); }

/* Trust strip */
.trust-strip { border-bottom: 1px solid var(--line); background: var(--white); }
.trust-items { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; padding-top: 1.4rem; padding-bottom: 1.4rem; }
.trust-item { display: flex; align-items: center; gap: .7rem; font-size: .95rem; font-weight: 500; color: var(--ink-soft); }
.trust-item svg { width: 20px; height: 20px; color: var(--gold-600); flex: none; }
@media (max-width: 820px) { .trust-items { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .trust-items { grid-template-columns: 1fr; gap: .7rem; } }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.3rem; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem 1.6rem; box-shadow: var(--shadow-sm);
}
.card h3 { margin-top: 1rem; }
.card p { color: var(--ink-soft); font-size: .98rem; margin-bottom: 0; }
.icon-badge {
  width: 46px; height: 46px; border-radius: 12px;
  background: var(--purple-100); color: var(--purple-700);
  display: inline-flex; align-items: center; justify-content: center;
}
.icon-badge svg { width: 22px; height: 22px; }

/* How it works */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.3rem; }
.step { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.7rem 1.6rem; box-shadow: var(--shadow-sm); }
.step-num {
  font-family: var(--font-display); font-size: .95rem; font-weight: 700;
  color: var(--gold-600); display: inline-flex; align-items: center; gap: .6rem; margin-bottom: .9rem;
}
.step-num::after { content: ""; width: 34px; height: 1.5px; background: var(--gold-400); display: inline-block; }
.step p { color: var(--ink-soft); font-size: .98rem; margin: 0; }


/* Coverage options */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.3rem; }
.coverage-card {
  display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 1.9rem 1.7rem; box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease;
}
.coverage-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.coverage-tag { font-size: .78rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-600); margin-bottom: .8rem; }
.coverage-card h3 { font-size: 1.45rem; }
.coverage-card p { color: var(--ink-soft); font-size: .98rem; }
.coverage-fit { margin-top: auto; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .9rem; color: var(--muted); }
.coverage-fit strong { color: var(--ink); font-weight: 600; }
.coverage-link { margin-top: 1rem; font-weight: 600; text-decoration: none; }
@media (max-width: 900px) { .coverage-grid { grid-template-columns: 1fr; } }

/* No-exam band */
.band {
  background:
    radial-gradient(700px 400px at 90% 0%, rgba(198,161,75,.18), transparent 60%),
    linear-gradient(150deg, var(--purple-950), var(--purple-800));
  color: #fff; border-radius: var(--radius-lg);
  padding: clamp(2.4rem, 5vw, 3.8rem);
}
.band h2 { color: #fff; }
.band .lead { color: rgba(255,255,255,.82); }
.band-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 2.5rem; align-items: center; }
.band-list { list-style: none; margin: 0; padding: 0; display: grid; gap: .9rem; }
.band-list li { display: flex; gap: .8rem; align-items: flex-start; color: rgba(255,255,255,.88); }
.band-list svg { width: 20px; height: 20px; color: var(--gold-400); flex: none; margin-top: .2rem; }
@media (max-width: 900px) { .band-grid { grid-template-columns: 1fr; } }

/* FAQ accordion */
.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: .8rem; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  background: none; border: 0; cursor: pointer; text-align: left;
  font-family: var(--font-body); font-size: 1.05rem; font-weight: 600; color: var(--ink);
  padding: 1.1rem 1.3rem;
}
.faq-q .chev { flex: none; width: 20px; height: 20px; color: var(--gold-600); transition: transform .2s ease; }
.faq-q[aria-expanded="true"] .chev { transform: rotate(180deg); }
.faq-a { padding: 0 1.3rem 1.2rem; color: var(--ink-soft); font-size: .99rem; }
.faq-a[hidden] { display: none; }
.faq-a p:last-child { margin-bottom: 0; }

/* About / credibility strip */
.cred { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.cred-facts { display: grid; gap: 1rem; }
.fact { display: flex; gap: .9rem; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1.1rem 1.2rem; }
.fact svg { width: 20px; height: 20px; color: var(--gold-600); flex: none; margin-top: .2rem; }
.fact p { margin: 0; font-size: .97rem; color: var(--ink-soft); }
.fact strong { display: block; color: var(--ink); font-weight: 600; }
@media (max-width: 900px) { .cred { grid-template-columns: 1fr; } }

/* Final CTA */
.final-cta { text-align: center; }
.final-cta .btn { margin-top: .6rem; }
.final-note { font-size: .92rem; color: var(--muted); margin-top: 1rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--purple-950); color: rgba(255,255,255,.78); font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.4rem; padding-top: 3.4rem; padding-bottom: 2.4rem; }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 1rem; font-weight: 600; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .55rem; }
.site-footer a { color: rgba(255,255,255,.78); text-decoration: none; }
.site-footer a:hover { color: var(--gold-400); }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { margin-top: 1rem; max-width: 32em; font-size: .92rem; color: rgba(255,255,255,.6); }
.footer-social-row { display: flex; gap: .7rem; margin-top: .4rem; }
.footer-social {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid var(--line-dark); color: rgba(255,255,255,.75);
  transition: border-color .15s ease, color .15s ease;
}
.footer-social:hover { border-color: var(--gold-400); color: var(--gold-400); }
.footer-social svg { width: 18px; height: 18px; }
.footer-legal { border-top: 1px solid var(--line-dark); padding-top: 1.6rem; padding-bottom: 2.2rem; font-size: .84rem; color: rgba(255,255,255,.5); }
.footer-legal p { margin-bottom: .6rem; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; gap: 1.8rem; } }

/* ---------- Inner pages ---------- */
.page-hero {
  background: linear-gradient(160deg, var(--purple-950), var(--purple-800));
  color: #fff; padding: clamp(2.8rem, 6vw, 4.5rem) 0;
}
.page-hero h1 { color: #fff; margin-bottom: .3em; }
.page-hero p { color: rgba(255,255,255,.8); max-width: 40em; margin: 0; }

.prose { max-width: 760px; }
.prose h2 { font-size: 1.5rem; margin-top: 2.2em; }
.prose h3 { font-size: 1.15rem; margin-top: 1.8em; }
.prose ul { padding-left: 1.3rem; color: var(--ink-soft); }
.prose li { margin-bottom: .4rem; }
.prose .updated { font-size: .9rem; color: var(--muted); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2.4rem; align-items: start; }
.contact-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem 1.7rem; box-shadow: var(--shadow-sm); }
.contact-card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.1rem; }
.contact-card li { display: flex; gap: .9rem; align-items: flex-start; }
.contact-card svg { width: 20px; height: 20px; color: var(--gold-600); flex: none; margin-top: .25rem; }
.contact-card strong { display: block; font-weight: 600; }
.contact-card span, .contact-card a { color: var(--ink-soft); font-size: .97rem; }
@media (max-width: 820px) { .contact-grid { grid-template-columns: 1fr; } }

/* Contact form */
.contact-form { display: grid; gap: 1.05rem; margin-top: 1.6rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.05rem; }
@media (max-width: 520px) { .form-row { grid-template-columns: 1fr; } }
.form-field label {
  display: block; font-weight: 600; font-size: .92rem; margin-bottom: .35rem; color: var(--ink);
}
.form-field .req { color: var(--gold-600); }
.form-field input {
  width: 100%; font-family: var(--font-body); font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  padding: .75rem .9rem; transition: border-color .15s ease, box-shadow .15s ease;
}
.form-field input:hover { border-color: var(--purple-100); }
.form-field input:focus {
  outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(198,161,75,.18);
}
.form-field input.invalid { border-color: #b3453e; }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form-consent {
  display: flex; gap: .75rem; align-items: flex-start; cursor: pointer;
  background: var(--lilac-50); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: .95rem 1rem; font-size: .88rem; line-height: 1.55; color: var(--ink-soft);
}
.form-consent input {
  flex: none; width: 18px; height: 18px; margin: .15rem 0 0; accent-color: var(--purple-700); cursor: pointer;
}
.form-error { color: #b3453e; font-size: .92rem; font-weight: 500; margin: 0; }
.form-submit { justify-self: start; }
.form-success {
  margin-top: 1.6rem; text-align: center;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 2.4rem 1.8rem; box-shadow: var(--shadow-sm);
}
.form-success-icon {
  width: 52px; height: 52px; border-radius: 50%; margin: 0 auto 1rem;
  background: var(--gold-100); color: var(--gold-600);
  display: flex; align-items: center; justify-content: center;
}
.form-success-icon svg { width: 26px; height: 26px; }
.form-success h3 { margin-bottom: .3rem; }
.form-success p { color: var(--ink-soft); margin: 0; }

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .55s ease, transform .55s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ---------- Agent card (hero) ---------- */
.agent-card {
  background: var(--white); color: var(--ink);
  border-radius: var(--radius-lg); padding: 2rem 1.8rem 1.8rem;
  box-shadow: 0 24px 60px rgba(15,5,40,.45);
  max-width: 420px; margin-left: auto; text-align: center;
}
.headshot-frame {
  width: 108px; height: 108px; border-radius: 50%; overflow: hidden;
  margin: 0 auto 1.1rem; border: 3px solid var(--gold-400);
  background: linear-gradient(160deg, var(--purple-800), var(--purple-600));
  display: flex; align-items: center; justify-content: center;
}
.headshot-frame img { width: 100%; height: 100%; object-fit: cover; }
.headshot-fallback { display: none; width: 100%; height: 100%; align-items: center; justify-content: center; }
.headshot-fallback svg { width: 52px; height: 52px; color: var(--gold-400); }
.agent-name { font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; margin: 0 0 .2rem; }
.agent-title { font-size: .95rem; color: var(--ink-soft); margin: 0 0 .15rem; }
.agent-license { font-size: .85rem; color: var(--muted); margin: 0 0 1rem; }
.agent-quote { font-size: .95rem; color: var(--ink-soft); font-style: italic; border-top: 1px solid var(--line); padding-top: 1rem; margin: 0 0 1.2rem; }
.agent-card .btn { width: 100%; }

/* ---------- Service paths ---------- */
.service-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
.service-card {
  display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2.1rem 1.9rem; box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease;
}
.service-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.service-card h3 { font-size: 1.55rem; }
.service-card > p { color: var(--ink-soft); }
.service-list { list-style: none; margin: 0 0 1.4rem; padding: 0; display: grid; gap: .55rem; }
.service-list li { display: flex; gap: .6rem; align-items: flex-start; font-size: .96rem; color: var(--ink-soft); }
.service-list svg { width: 17px; height: 17px; color: var(--gold-600); flex: none; margin-top: .25rem; }
.service-card .btn { margin-top: auto; align-self: flex-start; }
@media (max-width: 860px) { .service-grid { grid-template-columns: 1fr; } }

/* ---------- Story photo ---------- */
.story-photo {
  border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 5; max-width: 380px;
  background: linear-gradient(160deg, var(--purple-900), var(--purple-600));
  display: flex; align-items: center; justify-content: center; margin-left: auto;
  border: 1px solid var(--line);
}
.story-photo img { width: 100%; height: 100%; object-fit: cover; }
.story-photo .headshot-fallback svg { width: 84px; height: 84px; }
@media (max-width: 900px) { .story-photo { margin: 0 auto; } }

/* Agent contact card variant */
.agent-inline { display: flex; gap: 1.2rem; align-items: center; text-align: left; }
.agent-inline .headshot-frame { margin: 0; width: 84px; height: 84px; flex: none; }

/* ---------- Brand logo images ---------- */
.brand-logo { height: 34px; width: auto; display: block; }
.site-footer .brand-logo { height: 32px; }
@media (max-width: 480px) { .brand-logo { height: 27px; } }

/* Compact nav CTA so the header stays one clean line */
.site-header .nav-cta { padding: .5rem 1.1rem; font-size: .92rem; min-height: 0; line-height: 1.2; white-space: nowrap; }
@media (max-width: 1120px) { .site-header .nav-cta { padding: .85rem 1.4rem; font-size: 1rem; } }
.brand-logo { height: 30px; }

/* ---------- Lifestyle photos ---------- */
.service-photo { border-radius: 14px; overflow: hidden; aspect-ratio: 16 / 10; margin: 0 0 1.35rem; }
.service-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.page-photo {
  border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 5; max-width: 420px;
  box-shadow: var(--shadow-md); border: 1px solid var(--line); margin-left: auto;
}
.page-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
@media (max-width: 900px) { .page-photo { margin: 0 auto; } }

/* ---------- Coverage survey (apply.html) ---------- */
.survey-page {
  min-height: 100vh; display: flex; flex-direction: column;
  background:
    radial-gradient(900px 480px at 82% -10%, rgba(198,161,75,.2), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(76,46,147,.5), transparent 60%),
    linear-gradient(160deg, var(--purple-950) 0%, var(--purple-800) 55%, var(--purple-700) 100%);
}
.survey-header { border-bottom: 1px solid var(--line-dark); }
.survey-header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.survey-header-phone {
  display: inline-flex; align-items: center; gap: .45rem;
  color: rgba(255,255,255,.85); text-decoration: none; font-weight: 600; font-size: .95rem;
}
.survey-header-phone:hover { color: var(--gold-400); }
.survey-main { flex: 1; display: flex; align-items: flex-start; justify-content: center; padding: clamp(1.2rem, 4vw, 3rem) 1rem 2.5rem; }
.survey-shell { width: 100%; max-width: 560px; }
.survey-progress { height: 6px; border-radius: 999px; background: rgba(255,255,255,.16); overflow: hidden; margin-bottom: 1.1rem; }
.survey-progress span {
  display: block; height: 100%; width: 4%; border-radius: inherit;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-400));
  transition: width .35s ease;
}
.survey-card {
  background: var(--white); color: var(--ink);
  border-radius: var(--radius-lg); padding: clamp(1.5rem, 4vw, 2.2rem);
  box-shadow: 0 24px 60px rgba(15,5,40,.45);
  animation: survey-in .3s ease;
}
@keyframes survey-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.survey-back {
  display: inline-flex; align-items: center; gap: .35rem;
  background: none; border: 0; cursor: pointer; padding: 0; margin-bottom: 1rem;
  font-family: var(--font-body); font-size: .9rem; font-weight: 600; color: var(--muted);
}
.survey-back:hover { color: var(--purple-700); }
.survey-kicker { font-size: .78rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-600); margin: 0 0 .5rem; }
.survey-q { font-family: var(--font-display); font-size: clamp(1.35rem, 3.4vw, 1.7rem); font-weight: 600; line-height: 1.25; margin: 0 0 .5rem; }
.survey-sub { color: var(--ink-soft); font-size: .98rem; margin: 0 0 1.2rem; }
.survey-sub a { color: var(--purple-700); }
.survey-fineprint { font-size: .85rem; color: var(--muted); }
.survey-options { display: grid; gap: .65rem; margin-bottom: .4rem; }
.survey-option {
  display: flex; align-items: center; gap: .75rem; width: 100%; text-align: left;
  font-family: var(--font-body); font-size: 1.02rem; font-weight: 500; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line); border-radius: 12px;
  padding: .95rem 1rem; cursor: pointer; min-height: 54px;
  transition: border-color .12s ease, background .12s ease, transform .12s ease;
}
.survey-option:hover { border-color: var(--gold-500); }
.survey-option:active { transform: scale(.99); }
.survey-option .dot { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--purple-100); flex: none; }
.survey-option.selected { border-color: var(--gold-500); background: var(--gold-100); }
.survey-option.selected .dot { border-color: var(--gold-600); background: radial-gradient(circle at center, var(--gold-600) 45%, transparent 50%); }
.survey-skip {
  background: none; border: 0; cursor: pointer; padding: .4rem 0 0;
  font-family: var(--font-body); font-size: .92rem; font-weight: 600; color: var(--muted);
  text-decoration: underline; text-underline-offset: 3px;
}
.survey-skip:hover { color: var(--purple-700); }
.survey-card .form-row, .survey-card .form-field { margin-bottom: 1.05rem; }
.survey-card .form-row .form-field { margin-bottom: 0; }
.survey-card .form-consent { margin-top: 1.05rem; }
.survey-submit { display: flex; width: fit-content; margin-left: auto; margin-right: auto; }
.survey-intro-agent { margin-bottom: 1.3rem; }
.survey-intro-agent .headshot-frame { width: 64px; height: 64px; }
.survey-intro-agent .agent-name { font-size: 1.05rem; }
.survey-done-headshot { margin: 0 auto 1.1rem; }
.survey-card .survey-done-headshot + .survey-q, .survey-card .survey-done-headshot ~ .survey-sub { text-align: center; }
.survey-legal { text-align: center; font-size: .8rem; color: rgba(255,255,255,.55); margin-top: 1.4rem; line-height: 1.7; }
.survey-legal a { color: rgba(255,255,255,.7); }
.survey-legal a:hover { color: var(--gold-400); }
@media (prefers-reduced-motion: reduce) { .survey-card { animation: none; } }

/* ---------- Mobile hero breathing room (homepage) ---------- */
@media (max-width: 640px) {
  .hero-inner { padding-top: 3.6rem; padding-bottom: 4rem; gap: 3rem; }
  .hero h1 { font-size: clamp(1.8rem, 7.4vw, 2.15rem); line-height: 1.2; }
  .hero .lead { font-size: 1.05rem; }
  .hero-ctas { margin: 1.7rem 0 1.6rem; }
  .hero-ctas .btn { width: 100%; }
  .hero-assurance { display: grid; grid-template-columns: 1fr; gap: .55rem; }
}