/* ==========================================================================
   Magnolia Assurant Group — Design System
   Brand colors sampled directly from MagnoliaAssurantGroup_Logo2025 (Color.png)
     Magnolia Teal  #1E383D  ·  Magnolia Gold  #ECA834  ·  Petal White  #FFFFFF
   Type: Jost (geometric — matches the logo's Futura-style lettering) + DM Sans
   Page-specific styles live in their own files (quote.css, calculators.css, …)
   ========================================================================== */

:root {
  /* Brand */
  --teal: #1E383D;
  --teal-900: #13272B;
  --teal-800: #182F33;
  --teal-700: #2A4A50;
  --teal-600: #3B6068;
  --teal-300: #9DB5B8;
  --teal-100: #DCE7E6;
  --teal-50: #EEF4F3;
  --gold: #ECA834;
  --gold-hover: #F2B64E;
  --gold-600: #D8932A;
  --gold-ink: #94620F;          /* gold that passes contrast on light backgrounds */
  --gold-200: #F7D796;
  --gold-50: #FDF6E7;

  /* Neutrals */
  --cream: #FAF7F1;
  --paper: #FFFFFF;
  --ink: #172A2E;
  --body: #3C4D50;
  --muted: #66777A;
  --line: #E3E7E5;
  --line-strong: #CAD3D1;

  /* Status / maintenance priority */
  --low: #2F7D5B;     --low-bg: #E6F3EC;
  --medium: #A86C12;  --medium-bg: #FCF1DC;
  --high: #B23A2B;    --high-bg: #FBE7E4;

  /* Type */
  --font-display: 'Jost', 'Futura', 'Century Gothic', 'Segoe UI', sans-serif;
  --font-body: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;

  /* Shape & depth */
  --r-sm: 8px;
  --r: 14px;
  --r-lg: 22px;
  --r-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(19, 39, 43, .06), 0 1px 3px rgba(19, 39, 43, .08);
  --shadow: 0 10px 28px -10px rgba(19, 39, 43, .22);
  --shadow-lg: 0 28px 64px -24px rgba(19, 39, 43, .45);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --container: 1200px;
  --header-h: 76px;

  /* Context tokens (light by default; dark sections override — nearest ancestor wins) */
  --heading: var(--ink);
  --text: var(--body);
  --muted-c: var(--muted);
  --eyebrow: var(--gold-ink);
  --link: var(--teal);
  --hl-color: var(--ink);
  --hl-bg: linear-gradient(transparent 62%, rgba(236, 168, 52, .42) 0);
  --check-bg: var(--gold-50);
  --check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E383D' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
}

/* Light contexts */
.on-light, .card, .hero-card, .gate--ins, .calc, .modal__dialog, .step,
.section--white, .section--cream, .section--mist, .faq details {
  --heading: var(--ink);
  --text: var(--body);
  --muted-c: var(--muted);
  --eyebrow: var(--gold-ink);
  --link: var(--teal);
  --hl-color: var(--ink);
  --hl-bg: linear-gradient(transparent 62%, rgba(236, 168, 52, .42) 0);
  --check-bg: var(--gold-50);
  --check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E383D' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  color: var(--text);
}
/* Dark contexts (declared after light so .card--teal wins over .card) */
.on-dark, .hero, .page-hero, .section--teal, .cta-band, .calc__result, .card--teal,
.gate--pm, .site-footer, .topbar, .site-header {
  --heading: #FFFFFF;
  --text: #C9D8D7;
  --muted-c: #9DB5B8;
  --eyebrow: var(--gold);
  --link: var(--gold);
  --hl-color: var(--gold);
  --hl-bg: none;
  --check-bg: rgba(236, 168, 52, .16);
  --check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ECA834' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  color: var(--text);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.62;
  color: var(--text);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; }
a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-ink); }
.on-dark a:not(.btn):hover, .hero a:not(.btn):hover, .page-hero a:not(.btn):hover, .site-footer a:hover { color: #fff; }
/* Whole-card links keep their text color on hover (only the arrow link reacts) */
.product-card, .product-card:hover { color: var(--text); }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--heading);
  line-height: 1.12;
  margin: 0 0 .5em;
  font-weight: 600;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.3rem, 4.8vw, 3.9rem); }
h2 { font-size: clamp(1.85rem, 3.2vw, 2.7rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
strong { color: var(--heading); font-weight: 700; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2rem 0; }
::selection { background: var(--gold-200); color: var(--ink); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
[hidden] { display: none !important; }

.skip-link { position: absolute; left: -9999px; top: 0; z-index: 200; background: var(--gold); color: var(--teal-900); padding: .75rem 1rem; font-weight: 700; }
.skip-link:focus { left: 1rem; top: 1rem; }

.lead { font-size: clamp(1.08rem, 1.4vw, 1.22rem); color: var(--text); max-width: 62ch; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .6em;
  font-family: var(--font-display); font-weight: 600; font-size: .8rem;
  letter-spacing: .2em; text-transform: uppercase; color: var(--eyebrow);
  margin-bottom: 1rem;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); border-radius: 2px; }
.text-center .eyebrow, .section-head .eyebrow { justify-content: center; }
@media (max-width: 480px) { .section-head .eyebrow, .text-center .eyebrow { flex-direction: column; gap: .5rem; } }
.hl { color: var(--hl-color); background: var(--hl-bg); padding: 0 .05em; }
.muted { color: var(--muted-c); }
.small { font-size: .88rem; }
.disclaimer { font-size: .8rem; color: var(--muted-c); line-height: 1.55; }

/* ---------- Layout ---------- */
.container { width: min(100% - 2.5rem, var(--container)); margin-inline: auto; }
.container--narrow { width: min(100% - 2.5rem, 860px); margin-inline: auto; }
.section { padding: clamp(4rem, 8vw, 6.5rem) 0; }
.section--tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.section--white { background: var(--paper); }
.section--cream { background: var(--cream); }
.section--mist { background: var(--teal-50); }
.section--teal { background: linear-gradient(160deg, var(--teal) 0%, var(--teal-900) 100%); }
.section-head { max-width: 780px; margin: 0 auto clamp(2.25rem, 4vw, 3.25rem); text-align: center; }
.section-head .lead { margin-inline: auto; }
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.split--top { align-items: start; }
@media (max-width: 960px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .split { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}
.text-center { text-align: center; }
.center { margin-inline: auto; }
.mt-0 { margin-top: 0 !important; } .mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.mb-0 { margin-bottom: 0 !important; } .mb-1 { margin-bottom: 1rem; } .mb-2 { margin-bottom: 2rem; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Icons ---------- */
.icon { display: inline-flex; width: 1.25em; height: 1.25em; flex: none; vertical-align: -.2em; }
.icon svg { width: 100%; height: 100%; display: block; }
.icon-badge {
  width: 56px; height: 56px; border-radius: 16px; flex: none;
  display: inline-grid; place-items: center;
  background: var(--gold-50); color: var(--gold-ink);
}
.icon-badge .icon { width: 28px; height: 28px; }
.icon-badge--teal { background: var(--teal); color: var(--gold); }
.icon-badge--mist { background: var(--teal-50); color: var(--teal); }
.icon-badge--sm { width: 44px; height: 44px; border-radius: 12px; }
.icon-badge--sm .icon { width: 22px; height: 22px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  font-family: var(--font-display); font-weight: 600; font-size: 1rem; letter-spacing: .03em;
  padding: .95em 1.6em; min-height: 48px;
  border-radius: var(--r-pill); border: 2px solid transparent;
  cursor: pointer; text-decoration: none; line-height: 1.1; white-space: nowrap; text-wrap: balance;
  transition: transform .2s var(--ease), box-shadow .2s, background-color .2s, color .2s, border-color .2s;
}
.btn .icon { width: 1.1em; height: 1.1em; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn--gold { background: var(--gold); color: var(--teal-900); box-shadow: 0 12px 26px -12px rgba(236, 168, 52, .9); }
.btn--gold:hover { background: var(--gold-hover); color: var(--teal-900); }
.btn--teal { background: var(--teal); color: #fff; }
.btn--teal:hover { background: var(--teal-700); color: #fff; }
.btn--outline { border-color: var(--teal); color: var(--teal); background: transparent; }
.btn--outline:hover { background: var(--teal); color: #fff; }
.btn--light { background: #fff; color: var(--teal); }
.btn--light:hover { background: var(--teal-50); color: var(--teal); }
.btn--ghost { border-color: rgba(255, 255, 255, .45); color: #fff; background: transparent; }
.btn--ghost:hover { border-color: #fff; background: rgba(255, 255, 255, .08); color: #fff; }
.btn--lg { font-size: 1.08rem; padding: 1.1em 2em; min-height: 56px; }
.btn--sm { font-size: .9rem; padding: .7em 1.2em; min-height: 42px; }
.btn--block { width: 100%; }
.btn[disabled], .btn.is-busy, .btn[aria-disabled="true"] { opacity: .65; pointer-events: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: .8rem; align-items: center; }
@media (max-width: 480px) {
  .btn { white-space: normal; text-align: center; }
  .btn--lg { padding-inline: 1.4em; }
}
.text-center .btn-row, .btn-row--center { justify-content: center; }
.spinner { width: 1em; height: 1em; border: 2px solid currentColor; border-right-color: transparent; border-radius: 50%; display: inline-block; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.link-arrow {
  display: inline-flex; align-items: center; gap: .4em;
  font-family: var(--font-display); font-weight: 600; color: var(--link); text-decoration: none;
}
.link-arrow .icon { transition: transform .2s var(--ease); }
.link-arrow:hover .icon, a:hover > .link-arrow .icon { transform: translateX(4px); }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--teal-900); font-size: .85rem; }
.topbar__inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 42px; }
.topbar__info { display: flex; gap: 1.5rem; align-items: center; }
.topbar__info a, .topbar__info span { display: inline-flex; align-items: center; gap: .45em; color: #B9CBCA; text-decoration: none; }
.topbar__info a:hover { color: var(--gold); }
.topbar__info .icon { color: var(--gold); }
.side-switch { display: inline-flex; background: rgba(255, 255, 255, .07); border-radius: var(--r-pill); padding: 3px; }
.side-switch a {
  color: #B9CBCA; text-decoration: none; padding: .32em .95em; border-radius: var(--r-pill);
  font-family: var(--font-display); font-weight: 500; font-size: .76rem; letter-spacing: .08em; text-transform: uppercase;
  transition: background-color .2s, color .2s;
}
.side-switch a:hover { color: #fff; }
.side-switch a.is-active { background: var(--gold); color: var(--teal-900); }
@media (max-width: 760px) { .topbar__address { display: none !important; } }
@media (max-width: 520px) {
  .side-switch a { padding: .62em 1.1em; }
  .topbar__inner { justify-content: center; }
  .topbar__info { display: none; }
}

.site-header { position: sticky; top: 0; z-index: 50; background: var(--teal); transition: box-shadow .25s; }
.site-header.is-scrolled { box-shadow: 0 12px 30px -14px rgba(0, 0, 0, .55); }
.site-header__inner { display: flex; align-items: center; gap: 1.25rem; min-height: var(--header-h); position: relative; }
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; flex: none; }
.brand img { height: 46px; width: auto; }
.brand__word { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font-family: var(--font-display); font-weight: 500; color: #fff; font-size: 1.42rem; letter-spacing: .1em; text-transform: uppercase; }
.brand__sub { font-family: var(--font-display); font-weight: 500; color: var(--gold); font-size: .64rem; letter-spacing: .25em; text-transform: uppercase; margin-top: .35em; }
.nav { display: flex; align-items: center; gap: .15rem; margin-left: auto; }
.nav__link {
  color: #D5E1E0; text-decoration: none; font-family: var(--font-display); font-weight: 500; font-size: .95rem;
  padding: .55em .75em; border-radius: 8px; position: relative; white-space: nowrap;
}
.nav__link:hover { color: #fff; background: rgba(255, 255, 255, .06); }
.nav__link.is-active { color: #fff; }
.nav__link.is-active::after { content: ""; position: absolute; left: .75em; right: .75em; bottom: .1em; height: 2px; background: var(--gold); border-radius: 2px; }
.nav__extra { display: none; }
.site-header__actions { display: flex; align-items: center; gap: .6rem; }
.nav-toggle {
  display: none; align-items: center; justify-content: center; width: 46px; height: 46px;
  background: transparent; border: 1px solid rgba(255, 255, 255, .25); color: #fff; border-radius: 12px; cursor: pointer;
}
.nav-toggle svg { width: 22px; height: 22px; }
@media (max-width: 1100px) {
  .nav-toggle { display: inline-flex; }
  body.nav-open, html:has(body.nav-open) { overflow: hidden; }
  .site-header__actions { margin-left: auto; }
  .nav {
    display: none; position: absolute; top: 100%; left: -1.25rem; right: -1.25rem; margin: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--teal); padding: .5rem 1.25rem 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, .08); box-shadow: 0 24px 40px -20px rgba(0, 0, 0, .55);
    max-height: calc(100vh - var(--header-h)); overflow-y: auto;
  }
  /* Dim the page below the open menu (the shadow is clipped so the header itself stays bright) */
  .nav.is-open { display: flex; box-shadow: 0 0 0 100vmax rgba(10, 25, 28, .55); clip-path: inset(0 -100vmax -100vmax -100vmax); }
  .nav__link { padding: 1em .4em; font-size: 1.06rem; border-radius: 0; border-bottom: 1px solid rgba(255, 255, 255, .07); }
  .nav__link.is-active { color: var(--gold); }
  .nav__link.is-active::after { display: none; }
  .nav__extra { display: grid; gap: .6rem; padding-top: 1.1rem; }
}
@media (max-width: 560px) {
  .site-header__actions .btn { display: none; }
  .brand img { height: 38px; }
  .brand__name { font-size: 1.2rem; }
  .brand__sub { font-size: .6rem; }
}

/* ---------- Hero ---------- */
.hero, .page-hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 560px at 88% -12%, rgba(236, 168, 52, .17), transparent 62%),
    radial-gradient(800px 500px at -10% 110%, rgba(59, 96, 104, .45), transparent 60%),
    linear-gradient(160deg, var(--teal) 0%, var(--teal-900) 100%);
}
.hero { padding: clamp(3.5rem, 7vw, 6rem) 0 clamp(4rem, 8vw, 6.5rem); }
.page-hero { padding: clamp(3rem, 6vw, 4.75rem) 0 clamp(3rem, 6vw, 4.5rem); }
.hero .lead, .page-hero .lead { color: #C9D8D7; }
.hero__watermark {
  position: absolute; right: -4%; top: 50%; width: min(640px, 62vw); transform: translateY(-50%);
  opacity: .06; pointer-events: none; user-select: none;
}
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; position: relative; }
.hero__intro { position: relative; max-width: 900px; }
.hero__intro.text-center { margin-inline: auto; }
@media (max-width: 960px) { .hero__grid { grid-template-columns: 1fr; } }
.hero__points { list-style: none; padding: 0; margin: 1.5rem 0 2rem; display: grid; gap: .65rem; }
.hero__points li { position: relative; padding-left: calc(1.25em + .65rem); }
.hero__points .icon { color: var(--gold); position: absolute; left: 0; top: .2em; }
.hero-card { background: #fff; border-radius: var(--r-lg); padding: clamp(1.5rem, 3vw, 2.25rem); box-shadow: var(--shadow-lg); position: relative; }
.breadcrumb { display: flex; flex-wrap: wrap; gap: .5em; font-size: .85rem; color: var(--muted-c); margin-bottom: 1.25rem; }
.breadcrumb a { color: var(--muted-c); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span[aria-hidden] { opacity: .5; }

/* ---------- Trust bar ---------- */
.trust-bar { background: var(--paper); border-bottom: 1px solid var(--line); }
.trust-bar__inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem 2rem; padding: 1.3rem 0; }
.trust-item { display: flex; align-items: center; gap: .7rem; font-family: var(--font-display); font-weight: 500; color: var(--ink); font-size: .96rem; }
.trust-item .icon { color: var(--gold-ink); width: 1.5em; height: 1.5em; }
@media (max-width: 760px) { .trust-bar__inner { display: grid; grid-template-columns: 1fr 1fr; } }
@media (max-width: 460px) { .trust-bar__inner { grid-template-columns: 1fr; } }

/* ---------- Cards ---------- */
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 1.75rem; box-shadow: var(--shadow-sm); position: relative; }
.card > .icon-badge + h3, .card > .icon-badge + h4 { margin-top: 1.1rem; }
.card--hover { transition: transform .25s var(--ease), box-shadow .25s, border-color .25s; }
.card--hover:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold-200); }
.card--teal { background: linear-gradient(160deg, var(--teal), var(--teal-800)); border-color: var(--teal); }
.card--gold { background: var(--gold-50); border-color: var(--gold-200); }
.card--flat { box-shadow: none; }
.product-card { display: flex; flex-direction: column; text-decoration: none; height: 100%; }
.product-card p { flex: 1; }
.product-card .link-arrow { margin-top: .5rem; }
.tag {
  display: inline-flex; align-items: center; gap: .4em;
  font-family: var(--font-display); font-size: .75rem; font-weight: 600; letter-spacing: .13em; text-transform: uppercase;
  padding: .38em .8em; border-radius: var(--r-pill); background: var(--teal-50); color: var(--teal);
}
.card__top .tag { white-space: nowrap; }
.tag--gold { background: var(--gold-50); color: var(--gold-ink); }
.tag--on-dark { background: rgba(236, 168, 52, .16); color: var(--gold); }

/* ---------- Lists ---------- */
.checklist { list-style: none; padding: 0; margin: 0 0 1.5rem; display: grid; gap: .75rem; }
.checklist li { position: relative; padding-left: 2.05rem; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: .18em; width: 1.35rem; height: 1.35rem; border-radius: 50%;
  background: var(--check-bg) var(--check) center / 68% no-repeat;
}
.checklist--tight { gap: .45rem; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; }
.step { position: relative; padding: 1.75rem; background: var(--paper); border-radius: var(--r); border: 1px solid var(--line); }
.step::before {
  counter-increment: step; content: counter(step);
  display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%;
  background: var(--teal); color: var(--gold); font-family: var(--font-display); font-weight: 600; font-size: 1.2rem; margin-bottom: 1rem;
}
.step h3 { font-size: 1.18rem; }
.step p:last-child { margin-bottom: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

/* ---------- Stats ---------- */
.stat__num { font-family: var(--font-display); font-size: clamp(2.2rem, 4vw, 2.8rem); font-weight: 600; color: var(--heading); line-height: 1; }
.stat__label { color: var(--muted-c); font-size: .95rem; margin-top: .4rem; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative; overflow: hidden;
  background: linear-gradient(120deg, var(--teal) 0%, var(--teal-700) 100%);
  border-radius: var(--r-lg); padding: clamp(2rem, 5vw, 3.5rem);
  display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: center;
}
.cta-band::after {
  content: ""; position: absolute; right: -80px; top: -80px; width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(236, 168, 52, .28), transparent 70%); pointer-events: none;
}
.cta-band h2 { margin-bottom: .3em; }
.cta-band p:last-child { margin-bottom: 0; }
.cta-band > * { position: relative; z-index: 1; }
@media (max-width: 820px) { .cta-band { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin: 0 auto; display: grid; gap: .75rem; }
.faq details { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 0 1.4rem; transition: border-color .2s; }
.faq details[open] { border-color: var(--gold-200); box-shadow: var(--shadow-sm); }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 1rem; align-items: center;
  font-family: var(--font-display); font-weight: 600; color: var(--ink); font-size: 1.08rem; padding: 1.15rem 0;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.6rem; line-height: 1; color: var(--gold-ink); transition: transform .2s; flex: none; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > :not(summary) { margin-top: 0; margin-bottom: 1.15rem; }

/* ---------- Notices ---------- */
.notice {
  display: flex; gap: .9rem; align-items: flex-start;
  padding: 1rem 1.2rem; border-radius: var(--r-sm);
  background: var(--teal-50); border: 1px solid var(--teal-100); color: var(--ink); font-size: .95rem;
}
.notice > .icon { color: var(--teal); margin-top: .12em; width: 1.35em; height: 1.35em; }
.notice p:last-child { margin-bottom: 0; }
.notice--gold { background: var(--gold-50); border-color: var(--gold-200); }
.notice--gold > .icon { color: var(--gold-ink); }
.notice--danger { background: var(--high-bg); border-color: #F0C4BD; }
.notice--danger > .icon { color: var(--high); }
.notice--success { background: var(--low-bg); border-color: #BFE0CE; }
.notice--success > .icon { color: var(--low); }

/* ---------- Forms ---------- */
.form { display: grid; gap: 1.15rem; }
.field { display: grid; gap: .42rem; align-content: start; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.field-row--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 640px) { .field-row, .field-row--3 { grid-template-columns: 1fr; } }
.form label, .label, .field > legend { font-family: var(--font-display); font-weight: 500; color: var(--ink); font-size: .96rem; }
fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
legend { padding: 0; margin-bottom: .6rem; }
.req { color: var(--high); margin-left: .15em; }
.optional { color: var(--muted); font-weight: 400; font-size: .85em; }
.input,
.form input:not([type="checkbox"]):not([type="radio"]):not([type="range"]):not([type="file"]),
.form select, .form textarea,
.calc input:where(:not([type="checkbox"]):not([type="radio"]):not([type="range"])), .calc select {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line-strong); border-radius: 10px;
  padding: .78em .95em; min-height: 50px;
  transition: border-color .15s, box-shadow .15s;
}
.form textarea { min-height: 128px; resize: vertical; line-height: 1.5; }
.form select, .calc select, select.input {
  appearance: none; -webkit-appearance: none; padding-right: 2.6em; cursor: pointer;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E383D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right .9em center / 18px no-repeat;
}
.input:focus, .form input:focus, .form select:focus, .form textarea:focus, .calc input:focus, .calc select:focus {
  outline: none; border-color: var(--teal); box-shadow: 0 0 0 4px rgba(30, 56, 61, .13);
}
.form ::placeholder { color: #98A5A7; }
.was-validated :invalid:not(fieldset) { border-color: var(--high) !important; }
.was-validated :invalid:not(fieldset):focus { box-shadow: 0 0 0 4px rgba(178, 58, 43, .14) !important; }
.was-validated .choice input:invalid + .choice__box { border-color: var(--high); }
.file-drop input[type="file"] { position: absolute; opacity: 0; width: 1px; height: 1px; pointer-events: none; }
[aria-disabled="true"] { cursor: not-allowed; }
.help { font-size: .85rem; color: var(--muted-c); }
.input-prefix { position: relative; }
.input-prefix > span { position: absolute; left: .95em; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; font-weight: 500; }
.form .input-prefix input, .calc .input-prefix input { padding-left: 1.75em; }
.input-suffix { position: relative; }
.input-suffix > span { position: absolute; right: .95em; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.form .input-suffix input, .calc .input-suffix input { padding-right: 3.2em; }

/* Choice cards (radio / checkbox styled as tiles) */
.choices { display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: .75rem; }
.choices--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.choices--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 640px) { .choices--2, .choices--3 { grid-template-columns: 1fr; } }
.choices--inline { display: flex; flex-wrap: wrap; gap: .6rem; }
.choice { position: relative; display: block; }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice__box {
  position: relative; display: flex; gap: .8rem; align-items: center; height: 100%;
  padding: 1rem 2.4rem 1rem 1.1rem; border: 1.5px solid var(--line-strong); border-radius: 12px;
  background: #fff; cursor: pointer; color: var(--ink); font-weight: 500;
  transition: border-color .15s, background-color .15s, box-shadow .15s, transform .15s;
}
.choice__box:hover { border-color: var(--teal-600); }
.choice__box > .icon { color: var(--teal); width: 1.6em; height: 1.6em; }
.choice__title { display: block; font-family: var(--font-display); font-weight: 600; line-height: 1.25; }
.choice__desc { display: block; font-size: .84rem; color: var(--muted); font-weight: 400; line-height: 1.4; margin-top: .15em; }
.choice input:checked + .choice__box { border-color: var(--teal); background: var(--teal-50); box-shadow: 0 0 0 3px rgba(30, 56, 61, .12); }
.choice input:checked + .choice__box::after {
  content: ""; position: absolute; top: 50%; right: .8rem; transform: translateY(-50%); width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2313272B' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 62% no-repeat;
}
.choice input:focus-visible + .choice__box { outline: 3px solid var(--gold); outline-offset: 2px; }
.choices--inline .choice__box { padding: .62em 1.15em; border-radius: var(--r-pill); }
.choices--inline .choice input:checked + .choice__box { background: var(--teal); color: #fff; border-color: var(--teal); }
.choices--inline .choice input:checked + .choice__box::after { display: none; }
/* Priority variants */
.choice--low input:checked + .choice__box { border-color: var(--low); background: var(--low-bg); box-shadow: 0 0 0 3px rgba(47, 125, 91, .15); }
.choice--medium input:checked + .choice__box { border-color: var(--medium); background: var(--medium-bg); box-shadow: 0 0 0 3px rgba(168, 108, 18, .15); }
.choice--high input:checked + .choice__box { border-color: var(--high); background: var(--high-bg); box-shadow: 0 0 0 3px rgba(178, 58, 43, .15); }
.badge {
  display: inline-flex; align-items: center; gap: .35em; padding: .28em .75em; border-radius: var(--r-pill);
  font-family: var(--font-display); font-size: .74rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  background: var(--teal-50); color: var(--teal);
}
.badge--low { background: var(--low-bg); color: var(--low); }
.badge--medium { background: var(--medium-bg); color: var(--medium); }
.badge--high { background: var(--high-bg); color: var(--high); }

/* Checkbox rows & consent */
.check { display: flex; gap: .7rem; align-items: flex-start; font-size: .95rem; cursor: pointer; color: var(--ink); font-family: var(--font-body) !important; font-weight: 400 !important; }
.check input { width: 20px; height: 20px; accent-color: var(--teal); margin: .15em 0 0; flex: none; }
.consent { font-size: .8rem; color: var(--muted); line-height: 1.55; background: var(--cream); border: 1px solid var(--line); border-radius: 10px; padding: .9rem 1rem; }
.consent .check { font-size: .82rem; color: var(--body); }
.form-error { color: var(--high); background: var(--high-bg); border: 1px solid #F0C4BD; padding: .85rem 1rem; border-radius: 10px; font-size: .95rem; }
.form-success { text-align: center; padding: clamp(1.5rem, 4vw, 2.75rem) 1rem; }
.form-success .icon-badge { margin: 0 auto 1.1rem; background: var(--low-bg); color: var(--low); width: 72px; height: 72px; border-radius: 50%; }
.form-success .icon-badge .icon { width: 36px; height: 36px; }
.file-drop {
  display: grid; place-items: center; gap: .35rem; text-align: center; cursor: pointer;
  border: 2px dashed var(--line-strong); border-radius: 12px; padding: 1.5rem; background: var(--cream); color: var(--muted);
  transition: border-color .2s, background-color .2s;
}
.file-drop:hover { border-color: var(--teal-600); background: var(--teal-50); }
.file-drop .icon { width: 2em; height: 2em; color: var(--teal); }

/* Range sliders */
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: var(--r-pill); outline: none; margin: .6rem 0;
  background: linear-gradient(to right, var(--gold) 0%, var(--gold) var(--fill, 50%), var(--teal-100) var(--fill, 50%));
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 3px solid var(--teal);
  box-shadow: 0 2px 8px rgba(19, 39, 43, .25); cursor: grab;
}
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--teal); cursor: grab; }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 5px rgba(236, 168, 52, .45); }
.range-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
.range-value { font-family: var(--font-display); font-weight: 600; color: var(--teal); font-size: 1.05rem; }

/* ---------- Calculator shell (widgets are rendered by calculators.js) ---------- */
.calc {
  display: grid; grid-template-columns: 1.1fr .9fr;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); overflow: hidden;
}
.calc__inputs { padding: clamp(1.5rem, 3vw, 2.25rem); display: grid; gap: 1.2rem; align-content: start; }
.calc__result {
  background: radial-gradient(500px 300px at 100% 0%, rgba(236, 168, 52, .16), transparent 60%), linear-gradient(160deg, var(--teal), var(--teal-900));
  padding: clamp(1.5rem, 3vw, 2.25rem); display: flex; flex-direction: column; gap: 1rem;
}
.result-label { font-family: var(--font-display); font-size: .78rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); }
.result-big { font-family: var(--font-display); font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 600; color: #fff; line-height: 1; letter-spacing: -.01em; }
.result-rows { display: grid; gap: .55rem; border-top: 1px solid rgba(255, 255, 255, .12); padding-top: 1rem; }
.result-row { display: flex; justify-content: space-between; gap: 1rem; font-size: .95rem; }
.result-row strong { color: #fff; font-weight: 600; text-align: right; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }

/* ---------- Gateway (home page) ---------- */
.gateway { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: clamp(2.5rem, 5vw, 3.5rem); position: relative; }
.gate {
  position: relative; overflow: hidden; border-radius: var(--r-lg);
  padding: clamp(1.75rem, 3.5vw, 2.75rem);
  display: flex; flex-direction: column; gap: 1.1rem;
  transition: transform .35s var(--ease), box-shadow .35s;
}
.gate:hover { transform: translateY(-6px); }
.gate--ins { background: linear-gradient(155deg, #FFFFFF 0%, #FCF5E8 100%); box-shadow: var(--shadow-lg); }
.gate--pm { background: linear-gradient(155deg, #2A4A50 0%, #1A3337 100%); border: 1px solid rgba(255, 255, 255, .1); box-shadow: var(--shadow-lg); }
.gate__top { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.gate h2 { font-size: clamp(1.6rem, 2.6vw, 2.15rem); margin: 0; }
.gate .checklist { margin: 0; }
.gate__actions { margin-top: auto; padding-top: .5rem; display: flex; flex-wrap: wrap; gap: .75rem; }
.gate__bg { position: absolute; right: -50px; bottom: -40px; width: 280px; opacity: .06; pointer-events: none; }
@media (max-width: 880px) { .gateway { grid-template-columns: 1fr; } }

/* Quick-action tiles */
.quick-tiles { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1rem; }
.quick-tile {
  display: flex; gap: 1rem; align-items: center; text-decoration: none; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 1.15rem 1.25rem;
  font-family: var(--font-display); font-weight: 600; line-height: 1.25;
  transition: transform .2s var(--ease), box-shadow .2s, border-color .2s;
}
.quick-tile small { display: block; font-family: var(--font-body); font-weight: 400; color: var(--muted); font-size: .85rem; margin-top: .2rem; }
.quick-tile:hover { color: var(--ink); border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--shadow); }
@media (max-width: 960px) { .quick-tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .quick-tiles { grid-template-columns: 1fr; } }

/* ---------- Mobile sticky call-to-action bar ---------- */
.mobile-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; display: none;
  grid-template-columns: 1fr 1fr 1.5fr; gap: .5rem;
  padding: .6rem .75rem calc(.6rem + env(safe-area-inset-bottom));
  background: rgba(19, 39, 43, .96); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 -10px 30px -10px rgba(0, 0, 0, .45);
}
.mobile-cta a {
  display: flex; align-items: center; justify-content: center; gap: .4em; padding: .82em .5em; border-radius: 12px;
  font-family: var(--font-display); font-weight: 600; font-size: .92rem; text-decoration: none; color: #fff; background: rgba(255, 255, 255, .09);
}
.mobile-cta a.is-primary { background: var(--gold); color: var(--teal-900); }
@media (max-width: 900px) {
  .mobile-cta { display: grid; }
  body.has-mobile-cta .site-footer { padding-bottom: calc(2rem + 78px); }
}

/* ---------- Modal ---------- */
.modal {
  position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 1.25rem;
  background: rgba(19, 39, 43, .62); backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
  opacity: 0; pointer-events: none; transition: opacity .25s;
}
.modal.is-open { opacity: 1; pointer-events: auto; }
.modal__dialog {
  position: relative; background: #fff; border-radius: var(--r-lg); max-width: 540px; width: 100%;
  padding: clamp(1.75rem, 4vw, 2.5rem); box-shadow: var(--shadow-lg); transform: translateY(14px) scale(.98); transition: transform .3s var(--ease);
}
.modal.is-open .modal__dialog { transform: none; }
.modal__close {
  position: absolute; top: .75rem; right: .75rem; width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center; border: 0; background: var(--teal-50); color: var(--teal); cursor: pointer;
}
.modal__close svg { width: 20px; height: 20px; }
.modal__flower { width: 64px; margin-bottom: .75rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--teal-900); padding: clamp(3.5rem, 6vw, 4.75rem) 0 2rem; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 2.5rem; }
@media (max-width: 960px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .2em; text-transform: uppercase; margin-bottom: 1.1rem; }
.site-footer a { color: #C9D8D7; text-decoration: none; }
@media (max-width: 760px) { .site-footer li a { display: inline-block; padding-block: .45rem; } }
.site-footer a:hover { color: var(--gold); }
.footer-logo { width: 190px; margin-bottom: 1.25rem; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.footer-contact { display: grid; gap: .6rem; margin-top: 1.25rem; }
.footer-contact > * { display: flex; gap: .6rem; align-items: flex-start; }
.footer-contact .icon { color: var(--gold); margin-top: .15em; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); margin-top: 3rem; padding-top: 1.5rem; display: grid; gap: .8rem; font-size: .8rem; color: #85A0A2; }
.footer-bottom p { margin: 0; max-width: 110ch; }
.footer-legal { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; justify-content: space-between; }
.footer-legal nav { display: flex; gap: 1.25rem; flex-wrap: wrap; }

/* ---------- Map embed ---------- */
.map-embed { border-radius: var(--r); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-sm); aspect-ratio: 4 / 3; background: var(--teal-50); }
.map-embed iframe { width: 100%; height: 100%; border: 0; display: block; }

/* ---------- Scroll reveal (only when JS is running) ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.is-visible { opacity: 1; transform: none; }
.js .reveal-delay-1 { transition-delay: .08s; }
.js .reveal-delay-2 { transition-delay: .16s; }
.js .reveal-delay-3 { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}

@media print {
  .topbar, .site-header, .mobile-cta, .site-footer, .modal { display: none !important; }
  body { background: #fff; padding: 0 !important; }
}