/* ============================================
   Save & Insure — Elevated Design System
   Pink (#E20B5C) & Grey palette
   Typography: Outfit (headings) + Libre Franklin (body)
   ============================================ */
@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Libre+Franklin:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap');

:root {
  --pink: #E20B5C;
  --pink-light: #F43F7A;
  --pink-dark: #B80950;
  --pink-glow: rgba(226,11,92,.12);
  --pink-subtle: #FFF0F5;
  --grey-950: #18181B;
  --grey-900: #27272A;
  --grey-800: #3F3F46;
  --grey-700: #52525B;
  --grey-600: #71717A;
  --grey-500: #A1A1AA;
  --grey-400: #D4D4D8;
  --grey-300: #E4E4E7;
  --grey-200: #F0F0F2;
  --grey-100: #F7F7F8;
  --grey-50: #FBFBFC;
  --white: #FFFFFF;
  --text: #1E1E21;
  --text-secondary: #6B6B76;
  --text-muted: #9B9BA8;
  --font-display: 'Outfit', sans-serif;
  --font-body: 'Libre Franklin', sans-serif;
  --radius: 20px;
  --radius-sm: 14px;
  --radius-xs: 8px;
  --radius-full: 999px;
  --shadow-subtle: 0 1px 2px rgba(0,0,0,.04);
  --shadow-sm: 0 2px 8px rgba(0,0,0,.06);
  --shadow-md: 0 8px 24px rgba(0,0,0,.08);
  --shadow-lg: 0 16px 48px rgba(0,0,0,.10);
  --shadow-xl: 0 24px 64px rgba(0,0,0,.12);
  --shadow-pink: 0 8px 32px rgba(226,11,92,.20);
  --container: 1140px;
  --ease: cubic-bezier(.4,0,.2,1);
  --ease-out: cubic-bezier(0,.55,.45,1);
}

/* --- Reset --- */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body { font-family: var(--font-body); font-size: clamp(16px, 1.05vw, 17px); line-height: 1.7; color: var(--text); background: var(--white); overflow-x: hidden; text-rendering: optimizeLegibility; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: all .25s var(--ease); }
a:hover { text-decoration: none; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-display); color: var(--text); font-weight: 700; line-height: 1.15; }
p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

.container { width: min(var(--container), calc(100% - 48px)); margin: 0 auto; }

/* --- Utility --- */
.skip-link {
  position: absolute; left: -9999px; top: 12px;
  background: var(--pink); color: #fff; padding: 10px 18px;
  border-radius: var(--radius-sm); z-index: 9999; font-weight: 600;
}
.skip-link:focus { left: 12px; outline: 3px solid var(--pink-glow); }

/* --- Topbar --- */
.topbar {
  background: var(--grey-950);
  color: var(--grey-500);
  font-size: 13px;
  font-family: var(--font-display);
  letter-spacing: .02em;
}
.topbar .inner {
  display: flex; gap: 20px; align-items: center; justify-content: flex-end;
  padding: 9px 0;
}
.topbar a { color: var(--grey-400); transition: color .2s; }
.topbar a:hover { color: var(--pink-light); }
.topbar .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--grey-700); }

/* --- Header --- */
header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(16px) saturate(180%);
  -webkit-backdrop-filter: blur(16px) saturate(180%);
  border-bottom: 1px solid rgba(0,0,0,.06);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 0;
  gap: 12px;
}
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { width: 160px; height: auto; }

.navlinks { display: flex; gap: 4px; align-items: center; }
.navlinks a {
  font-family: var(--font-display);
  font-size: 14.5px;
  font-weight: 500;
  color: var(--grey-600);
  padding: 8px 14px;
  border-radius: var(--radius-xs);
  transition: all .2s var(--ease);
}
.navlinks a:hover { color: var(--text); background: var(--grey-100); }
.navlinks a[aria-current="page"] { color: var(--pink); background: var(--pink-glow); font-weight: 600; }

.nav-cta {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 22px;
  border-radius: var(--radius-full);
  background: var(--pink);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: .01em;
  box-shadow: var(--shadow-pink);
  transition: all .25s var(--ease);
  white-space: nowrap;
  flex-shrink: 0;
}
.nav-cta:hover { background: var(--pink-dark); transform: translateY(-1px); box-shadow: 0 12px 40px rgba(226,11,92,.28); }

.burger {
  display: none;
  border: 1px solid var(--grey-300);
  background: #fff;
  padding: 10px 16px;
  border-radius: var(--radius-xs);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: all .2s;
}
.burger:hover { background: var(--grey-100); }
.mobile-panel {
  display: none;
  border-top: 1px solid var(--grey-200);
  background: #fff;
}
.mobile-panel .stack {
  display: grid; gap: 4px; padding: 16px 0 20px;
}
.mobile-panel a {
  padding: 12px 16px;
  border-radius: var(--radius-xs);
  color: var(--grey-600);
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 15px;
}
.mobile-panel a:hover { background: var(--grey-100); color: var(--text); }
.mobile-panel a[aria-current="page"] { color: var(--pink); background: var(--pink-glow); }

/* --- HERO --- */
main { padding: 0 0 40px; }

/* ─── Immersive homepage hero with photo backdrop ─── */
.hero-immersive {
  position: relative;
  padding: 80px 0 88px;
  overflow: hidden;
  background: var(--grey-950);
}
.hero-immersive::before,
.hero-immersive::after { display: none; }

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
  display: block;
  animation: heroKenBurns 18s ease-in-out infinite alternate;
  will-change: transform;
}
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      135deg,
      rgba(24, 24, 27, .84) 0%,
      rgba(24, 24, 27, .70) 40%,
      rgba(24, 24, 27, .42) 70%,
      rgba(24, 24, 27, .22) 100%
    );
  z-index: 1;
}
.hero-bg-overlay::after {
  content: '';
  position: absolute;
  bottom: -15%;
  left: -8%;
  width: 500px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226, 11, 92, .08) 0%, transparent 70%);
  z-index: 2;
  pointer-events: none;
}
.hero-bg-fade {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to bottom, transparent 0%, var(--white) 100%);
  z-index: 2;
}

.hero-immersive .container {
  position: relative;
  z-index: 3;
}
.hero-immersive h1 {
  color: #fff;
  text-shadow: 0 2px 24px rgba(0, 0, 0, .12);
}
.hero-immersive .lede {
  color: rgba(255, 255, 255, .72);
}
.hero-immersive .kicker > span:last-child {
  color: rgba(255, 255, 255, .50);
}
.hero-immersive .badge {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .15);
  color: rgba(255, 255, 255, .75);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
.hero-immersive .badge:hover {
  background: rgba(226, 11, 92, .18);
  border-color: rgba(226, 11, 92, .35);
  color: #fff;
}

.hero-btn-light {
  background: rgba(255, 255, 255, .10) !important;
  border-color: rgba(255, 255, 255, .20) !important;
  color: #fff !important;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
.hero-btn-light:hover {
  background: rgba(255, 255, 255, .18) !important;
  border-color: rgba(255, 255, 255, .30) !important;
}

.hero-immersive .hero-card {
  box-shadow:
    0 20px 60px rgba(0, 0, 0, .20),
    0 8px 24px rgba(0, 0, 0, .10);
}
.hero-immersive .container::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -60px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 1.5px solid rgba(255, 255, 255, .05);
  z-index: -1;
  pointer-events: none;
}

@media (max-width: 768px) {
  .hero-immersive { padding: 56px 0 64px; }
  .hero-bg-overlay {
    background: linear-gradient(180deg, rgba(24, 24, 27, .80) 0%, rgba(24, 24, 27, .85) 100%);
  }
}

/* ─── Card photo treatment ─── */
.card-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
  transition: transform .6s cubic-bezier(.22, 1, .36, 1);
}
.card:hover .card-photo {
  transform: scale(1.06);
}
.card-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(24, 24, 27, .05) 0%, rgba(24, 24, 27, .30) 100%);
  z-index: 1;
  pointer-events: none;
  transition: background .4s var(--ease);
}
.card:hover .card-visual::before {
  background: linear-gradient(180deg, rgba(24, 24, 27, .02) 0%, rgba(24, 24, 27, .20) 100%);
}
.card-visual .shape { z-index: 2; }
.card-visual .card-icon { z-index: 3; }
.card-visual::after { z-index: 4; }

/* ─── Feature band photo ─── */
.feature-visual-photo {
  border-radius: var(--radius);
  overflow: hidden;
  position: relative;
  aspect-ratio: 4/3;
}
.feature-visual-photo .feature-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius);
  transition: transform .6s cubic-bezier(.22, 1, .36, 1);
  max-height: none;
  border: none;
  box-shadow: none;
}
.feature-visual-photo:hover .feature-photo {
  transform: scale(1.03);
}

/* ─── Gradient-only hero fallback (non-immersive) ─── */
.hero:not(.hero-immersive) {
  position: relative;
  padding: 72px 0 80px;
  overflow: hidden;
  background:
    radial-gradient(ellipse 900px 600px at 85% 20%, rgba(226,11,92,.06), transparent),
    radial-gradient(ellipse 700px 500px at 15% 80%, rgba(226,11,92,.04), transparent),
    linear-gradient(175deg, var(--white) 0%, var(--grey-50) 100%);
}
/* Decorative floating shapes — gradient hero only */
.hero:not(.hero-immersive)::before {
  content: '';
  position: absolute;
  top: -60px; right: -40px;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226,11,92,.05) 0%, transparent 70%);
  animation: float 20s ease-in-out infinite;
}
.hero:not(.hero-immersive)::after {
  content: '';
  position: absolute;
  bottom: -100px; left: 10%;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226,11,92,.04) 0%, transparent 70%);
  animation: float 25s ease-in-out infinite reverse;
}

@keyframes float {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-30px) scale(1.05); }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.kicker {
  display: inline-flex; gap: 12px; align-items: center;
  margin-bottom: 20px;
}
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--pink);
  color: #fff;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.kicker > span:last-child {
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--grey-500);
  font-weight: 500;
}

h1 {
  font-size: clamp(36px, 4vw, 54px);
  line-height: 1.08;
  letter-spacing: -.025em;
  font-weight: 800;
  margin-bottom: 18px;
  color: var(--grey-900);
}

.lede {
  font-size: 18px;
  color: var(--text-secondary);
  line-height: 1.7;
  max-width: 56ch;
}

.hero-actions {
  display: flex; gap: 14px; flex-wrap: wrap;
  margin: 28px 0 24px;
}

/* Badges */
.badges { display: flex; flex-wrap: wrap; gap: 8px; }
.badge {
  padding: 7px 14px;
  border-radius: var(--radius-full);
  border: 1px solid var(--grey-300);
  background: var(--white);
  color: var(--text-secondary);
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 500;
  transition: all .2s;
}
.badge:hover { border-color: var(--pink); color: var(--pink); background: var(--pink-subtle); }

/* Hero Card (right column) */
.hero-card {
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-lg);
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--pink), var(--pink-light));
}
.hero-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 18px;
  letter-spacing: -.01em;
}
.list { list-style: none; display: grid; gap: 14px; }
.list li {
  display: grid;
  grid-template-columns: 26px 1fr;
  gap: 12px;
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.55;
}
.check {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--pink-subtle);
  border: 1.5px solid rgba(226,11,92,.2);
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--pink);
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--grey-300);
  background: var(--white);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  color: var(--text);
  cursor: pointer;
  transition: all .25s var(--ease);
  white-space: nowrap;
}
.btn:hover { background: var(--grey-100); border-color: var(--grey-400); transform: translateY(-1px); }
.btn:focus-visible { outline: none; box-shadow: 0 0 0 3px var(--pink-glow); }
.btn.primary {
  background: var(--pink);
  color: #fff;
  border-color: var(--pink);
  box-shadow: var(--shadow-pink);
}
.btn.primary:hover { background: var(--pink-dark); border-color: var(--pink-dark); box-shadow: 0 12px 40px rgba(226,11,92,.25); }

.btn.ghost {
  background: rgba(255,255,255,.96);
  color: var(--pink);
  border-color: rgba(255,255,255,.0);
  box-shadow: 0 10px 30px rgba(0,0,0,.12);
}
.btn.ghost:hover {
  background: rgba(255,255,255,.90);
  transform: translateY(-1px);
  box-shadow: 0 14px 42px rgba(0,0,0,.16);
}

/* --- Sections --- */
.section { padding: 64px 0; }
.section-title {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
  margin: 0 0 24px;
}
.section-title h2 {
  margin: 0;
  font-size: clamp(26px, 2.6vw, 34px);
  font-weight: 800;
  letter-spacing: -.03em;
}
.section-title p {
  margin: 0;
  color: var(--text-secondary);
  max-width: 56ch;
  font-size: 16px;
  line-height: 1.65;
}

/* --- Cards with images --- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  background: var(--white);
  overflow: hidden;
  position: relative;
}
/* Card image area - decorative gradient illustrations */
.card-visual {
  height: 180px;
  position: relative;
  overflow: hidden;
}
/* Each card type gets a unique gradient scene */
.card-visual.life {
  background:
    radial-gradient(ellipse 200px 200px at 30% 90%, rgba(226,11,92,.15), transparent),
    radial-gradient(ellipse 150px 150px at 70% 40%, rgba(226,11,92,.08), transparent),
    linear-gradient(160deg, #FFF0F5 0%, #FDE8EF 40%, #FCE0E8 100%);
}
.card-visual.critical {
  background:
    radial-gradient(ellipse 200px 200px at 60% 80%, rgba(226,11,92,.12), transparent),
    radial-gradient(ellipse 150px 150px at 20% 30%, rgba(113,113,122,.08), transparent),
    linear-gradient(160deg, #F7F7F8 0%, #F0F0F2 40%, #FFF0F5 100%);
}
.card-visual.income {
  background:
    radial-gradient(ellipse 200px 200px at 40% 70%, rgba(226,11,92,.10), transparent),
    radial-gradient(ellipse 150px 150px at 80% 20%, rgba(113,113,122,.06), transparent),
    linear-gradient(160deg, #FFF5F8 0%, #F7F7F8 40%, #F0F0F2 100%);
}
.card-visual.business-rl {
  background:
    radial-gradient(ellipse 200px 200px at 50% 80%, rgba(63,63,70,.10), transparent),
    radial-gradient(ellipse 150px 150px at 80% 20%, rgba(226,11,92,.06), transparent),
    linear-gradient(160deg, #F7F7F8 0%, #F0F0F2 50%, #E8E8EC 100%);
}
.card-visual.business-sh {
  background:
    radial-gradient(ellipse 200px 200px at 30% 60%, rgba(63,63,70,.08), transparent),
    radial-gradient(ellipse 150px 150px at 70% 30%, rgba(226,11,92,.08), transparent),
    linear-gradient(160deg, #F0F0F2 0%, #F7F7F8 50%, #FFF5F8 100%);
}
.card-visual.business-kp {
  background:
    radial-gradient(ellipse 200px 200px at 60% 70%, rgba(63,63,70,.06), transparent),
    radial-gradient(ellipse 150px 150px at 20% 40%, rgba(226,11,92,.10), transparent),
    linear-gradient(160deg, #FFF0F5 0%, #F7F7F8 50%, #F0F0F2 100%);
}

.card-visual.home-hi {
  background:
    radial-gradient(ellipse 200px 200px at 35% 85%, rgba(226,11,92,.12), transparent),
    radial-gradient(ellipse 150px 150px at 78% 22%, rgba(113,113,122,.07), transparent),
    linear-gradient(160deg, #FFF5F8 0%, #F7F7F8 45%, #F0F0F2 100%);
}
.card-visual.home-bc {
  background:
    radial-gradient(ellipse 220px 200px at 55% 85%, rgba(226,11,92,.10), transparent),
    radial-gradient(ellipse 140px 140px at 22% 25%, rgba(113,113,122,.08), transparent),
    linear-gradient(160deg, #F7F7F8 0%, #F0F0F2 45%, #FFF0F5 100%);
}
.card-visual.home-pmi {
  background:
    radial-gradient(ellipse 220px 220px at 40% 80%, rgba(226,11,92,.14), transparent),
    radial-gradient(ellipse 160px 160px at 80% 25%, rgba(113,113,122,.06), transparent),
    linear-gradient(160deg, #FFF0F5 0%, #F7F7F8 50%, #F0F0F2 100%);
}

/* Provider logos inside cards */
.provider-logos {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 14px;
}
.provider-logos img {
  height: 22px;
  width: auto;
  opacity: 1;
  filter: none;
}
.card:hover .provider-logos img { transform: translateY(-1px); }



/* SVG icons inside card visuals */
.card-visual .card-icon {
  position: absolute;
  bottom: 20px; left: 24px;
  width: 56px; height: 56px;
  background: var(--white);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
}
.card-visual .card-icon svg { width: 28px; height: 28px; color: var(--pink); }

/* --- Accessibility: reduced motion --- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1 !important; transform: none !important; }
  [data-stagger] { opacity: 1 !important; transform: none !important; }
  .hero .container { transform: none !important; }
  .feature-photo { transform: none !important; opacity: 1 !important; }
  .hero-bg img { animation: none !important; }
}


/* Decorative floating shapes inside card visuals */
.card-visual .shape {
  position: absolute;
  border-radius: 50%;
  opacity: .4;
}
.card-visual .shape-1 {
  width: 120px; height: 120px;
  top: -30px; right: -20px;
  border: 2px solid rgba(226,11,92,.15);
}
.card-visual .shape-2 {
  width: 80px; height: 80px;
  top: 40px; right: 60px;
  background: rgba(226,11,92,.06);
}
.card-visual .shape-3 {
  width: 40px; height: 40px;
  top: 20px; left: 40%;
  border: 2px solid rgba(113,113,122,.1);
}

.card-body { padding: 26px 26px 22px; }
.card-body h3 {
  font-size: 19px;
  font-weight: 800;
  margin-bottom: 10px;
  letter-spacing: -.02em;
}
.card-body p {
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 18px;
}
.link {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  color: var(--pink);
}
.link:hover { color: var(--pink-dark); }

/* --- Split/Panels --- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  align-items: start;
}

.panel {
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  background: var(--white);
  padding: 28px;
}
.panel h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: -.01em;
}
.panel p { color: var(--text-secondary); font-size: 15px; }

/* CTA Panel — special styling */
.panel-cta {
  background:
    radial-gradient(ellipse 600px 400px at 80% 0%, rgba(226,11,92,.06), transparent),
    var(--grey-950);
  color: #fff;
  border: none;
  position: relative;
  overflow: hidden;
}
.panel-cta::before {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226,11,92,.12) 0%, transparent 70%);
}
.panel-cta h3 { color: #fff; font-size: 22px; position: relative; z-index: 1; }
.panel-cta p { color: rgba(255,255,255,.65); position: relative; z-index: 1; }

/* --- Inner page hero --- */
/* ─── Simple page-hero (contact, privacy, terms) ─── */
.page-hero {
  padding: 44px 0 28px;
  position: relative;
}
.page-hero h1 {
  font-size: clamp(30px, 3.5vw, 44px);
  margin: 8px 0 12px;
  font-weight: 800;
}
.page-hero p {
  color: var(--text-secondary);
  font-size: 17px;
  max-width: 68ch;
  line-height: 1.7;
}

/* ─── Immersive page-hero-band (product pages with photos) ─── */
.page-hero-band {
  position: relative;
  overflow: hidden;
  /* Extra bottom space prevents the hero fade from visually colliding with the next section */
  padding: 80px 0 104px;
  min-height: 400px;
  display: flex;
  align-items: flex-end;
}

/* Photo — fills the entire band as atmosphere */
.page-hero-photo {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.page-hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
  animation: heroKenBurns 18s ease-in-out infinite alternate;
  will-change: transform;
}
@keyframes heroKenBurns {
  0%   { transform: scale(1)    translate3d(0, 0, 0); }
  100% { transform: scale(1.06) translate3d(-1%, -1%, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .page-hero-photo img { animation: none !important; }
}

/* Gradient overlays that give depth and readability */
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      135deg,
      rgba(24, 24, 27, .82) 0%,
      rgba(24, 24, 27, .68) 35%,
      rgba(24, 24, 27, .40) 65%,
      rgba(24, 24, 27, .18) 100%
    );
  z-index: 1;
}

/* Soft pink atmospheric glow — subtle, branded */
.page-hero-overlay::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -10%;
  width: 500px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226, 11, 92, .10) 0%, transparent 70%);
  z-index: 2;
  pointer-events: none;
}

/* Bottom fade to white — seamless transition into page content */
.page-hero-fade {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 140px;
  background: linear-gradient(to bottom, transparent 0%, var(--white) 100%);
  z-index: 2;
}

/* Page-specific hero framing tweaks */
body.page-income-protection .page-hero-photo img {
  object-position: center 60%;
  animation: none;
  transform: scale(1.02);
}
body.page-critical-illness .page-hero-photo img {
  object-position: center 50%;
  animation: none;
  transform: scale(1.02);
}

@media (max-width: 640px) {
  .page-hero-band { padding: 64px 0 96px; }
  .page-hero-fade { height: 120px; }
}

/* Content — floats above the photo with clarity */
.page-hero-band .container {
  position: relative;
  z-index: 3;
}
.page-hero-inner {
  max-width: 620px;
}
.page-hero-inner .breadcrumbs {
  margin-bottom: 12px;
}
.page-hero-inner .breadcrumbs,
.page-hero-inner .breadcrumbs a {
  color: rgba(255, 255, 255, .5);
}
.page-hero-inner .breadcrumbs a:hover {
  color: rgba(255, 255, 255, .8);
}

.page-hero-inner h1 {
  font-size: clamp(32px, 4vw, 50px);
  font-weight: 800;
  letter-spacing: -.03em;
  line-height: 1.08;
  color: #fff;
  margin: 0 0 16px;
  text-shadow: 0 2px 24px rgba(0, 0, 0, .15);
}

.page-hero-lede {
  font-size: 17px;
  line-height: 1.72;
  color: rgba(255, 255, 255, .72);
  max-width: 54ch;
  margin: 0 0 20px;
}

/* Badges inside the hero — light treatment */
.page-hero-inner .badges {
  margin-bottom: 22px;
}
.page-hero-inner .badge {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .15);
  color: rgba(255, 255, 255, .80);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
.page-hero-inner .badge:hover {
  background: rgba(226, 11, 92, .20);
  border-color: rgba(226, 11, 92, .40);
  color: #fff;
}

/* CTA button in the hero */
.page-hero-inner .btn.primary {
  box-shadow:
    0 8px 32px rgba(226, 11, 92, .30),
    0 2px 8px rgba(0, 0, 0, .20);
}

/* ─── Decorative corner shape ─── */
.page-hero-band::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -60px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  border: 1.5px solid rgba(255, 255, 255, .06);
  z-index: 2;
  pointer-events: none;
}
.page-hero-band::after {
  content: '';
  position: absolute;
  top: 40px;
  right: 60px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: rgba(226, 11, 92, .06);
  z-index: 2;
  pointer-events: none;
}

/* ─── Hero-band responsive ─── */
@media (max-width: 900px) {
  .page-hero-band {
    padding: 64px 0 56px;
    min-height: 340px;
  }
  .page-hero-inner h1 {
    font-size: clamp(28px, 6vw, 38px);
  }
}
@media (max-width: 600px) {
  .page-hero-band {
    padding: 52px 0 44px;
    min-height: 300px;
  }
  .page-hero-overlay {
    background:
      linear-gradient(
        180deg,
        rgba(24, 24, 27, .75) 0%,
        rgba(24, 24, 27, .82) 100%
      );
  }
  .page-hero-band::before,
  .page-hero-band::after {
    display: none;
  }
}
.breadcrumbs {
  font-family: var(--font-display);
  color: var(--text-muted);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: .02em;
}
.breadcrumbs a { color: var(--text-muted); }
.breadcrumbs a:hover { color: var(--pink); }

/* --- Accordion --- */
.accordion { display: grid; gap: 10px; }
details {
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  padding: 0;
  transition: all .25s var(--ease);
  overflow: hidden;
}
details:hover { border-color: var(--grey-300); }
details[open] { box-shadow: var(--shadow-sm); border-color: var(--grey-300); }
summary {
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 16px;
  list-style: none;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: color .2s;
}
summary:hover { color: var(--pink); }
summary::-webkit-details-marker { display: none; }
summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 300;
  color: var(--grey-400);
  transition: transform .3s var(--ease);
  flex-shrink: 0;
}
details[open] summary::after { content: '−'; color: var(--pink); }
details[open] summary { color: var(--pink); }
details p {
  padding: 0 24px 20px;
  margin: 0;
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.7;
}

/* --- Forms --- */
.form { display: grid; gap: 16px; }
.field { display: grid; gap: 6px; }
label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13.5px;
  color: var(--text);
  letter-spacing: .01em;
}
input, select, textarea {
  padding: 13px 16px;
  border-radius: var(--radius-xs);
  border: 1.5px solid var(--grey-300);
  font: inherit;
  font-size: 15px;
  background: var(--white);
  transition: all .2s var(--ease);
  color: var(--text);
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--pink);
  box-shadow: 0 0 0 4px var(--pink-glow);
}
textarea { min-height: 130px; resize: vertical; }
.form-note {
  color: var(--text-muted);
  font-size: 13px;
  line-height: 1.5;
}
.form-note a { color: var(--pink); }

/* --- Insurer logos bar --- */
.trust-bar {
  padding: 48px 0;
  text-align: center;
}
.trust-bar-label {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--text-muted);
  margin-bottom: 20px;
  display: block;
}
.trust-logos {
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 40px;
}
.trust-logos span {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 16px;
  color: var(--grey-400);
  letter-spacing: .02em;
}

.trust-logos img{
  height: 34px;
  width: auto;
  opacity: 1;
  filter: none;

}


/* --- Logo marquee (homepage insurer strip) --- */
.logo-marquee{
  overflow: hidden;
  position: relative;
  margin-top: 6px;
  /* soft fade edges */
  -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 10%, #000 90%, transparent 100%);
  mask-image: linear-gradient(to right, transparent 0%, #000 10%, #000 90%, transparent 100%);
}
.logo-marquee-track{
  display: flex;
  width: max-content;
  will-change: transform;
  animation: logoMarquee 40s linear infinite;
}
.logo-marquee-group{
  display: flex;
  align-items: center;
  gap: 56px;
  padding: 14px 0;
  /* ensure consistent spacing at the loop seam (e.g., Zurich -> Bupa) */
  margin-right: 56px;
}
.logo-marquee-group img{
  height: 40px;
  width: auto;
  opacity: 1;
  filter: none;
  transition: transform .25s ease;
}
.logo-marquee:hover .logo-marquee-track{ animation-play-state: paused; }
.logo-marquee-group img:hover{
  transform: translateY(-1px);
}

@media (max-width: 640px){
  .logo-marquee-group{
    gap: 28px;
    margin-right: 28px;
    padding: 10px 0;
  }
  .logo-marquee-group img{ height: 32px; }
}

@keyframes logoMarquee{
  from{ transform: translateX(0); }
  to{ transform: translateX(-50%); }
}

@media (max-width: 900px){
  .logo-marquee-group{ gap: 44px; }
  .logo-marquee-group img{ height: 26px; }
}

@media (max-width: 720px){
  .trust-bar{ padding: 34px 0; }
  .trust-bar-label{ margin-bottom: 14px; }
  .logo-marquee{ margin: 0 -10px; }
  .logo-marquee-group{ gap: 34px; padding: 10px 0; }
  .logo-marquee-group img{ height: 22px; }
}

@media (prefers-reduced-motion: reduce){
  .logo-marquee-track{ animation: none; }
  .logo-marquee{
    overflow-x: auto;
    -webkit-mask-image: none;
    mask-image: none;
    scroll-snap-type: x proximity;
  }
  .logo-marquee-group{ padding: 10px 18px; }
  .logo-marquee-group img{ scroll-snap-align: start; }
}


/* --- Image-text section (new) --- */
.feature-band {
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}
.feature-band.alt { background: var(--grey-50); }
.feature-band-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.feature-band-grid.reverse { direction: rtl; }
.feature-band-grid.reverse > * { direction: ltr; }

.feature-visual {
  border-radius: var(--radius);
  overflow: hidden;
  position: relative;
  aspect-ratio: 4/3;
}
/* Warm gradient illustrations for image-text sections */
.feature-visual.family-scene {
  background:
    radial-gradient(ellipse 300px 250px at 30% 70%, rgba(226,11,92,.12), transparent),
    radial-gradient(ellipse 250px 200px at 70% 30%, rgba(226,11,92,.08), transparent),
    radial-gradient(ellipse 200px 200px at 50% 50%, rgba(113,113,122,.05), transparent),
    linear-gradient(150deg, #FFF5F8 0%, #FDE8EF 30%, #FCE0E8 60%, #FFF0F5 100%);
  display: flex; align-items: center; justify-content: center;
}
.feature-visual.home-scene {
  background:
    radial-gradient(ellipse 300px 250px at 60% 60%, rgba(113,113,122,.08), transparent),
    radial-gradient(ellipse 200px 200px at 30% 30%, rgba(226,11,92,.06), transparent),
    linear-gradient(150deg, #F7F7F8 0%, #F0F0F2 40%, #FFF5F8 100%);
  display: flex; align-items: center; justify-content: center;
}
.feature-visual svg.illustration {
  width: 65%;
  height: auto;
  opacity: .35;
}

.feature-content h2 {
  font-size: clamp(24px, 3vw, 34px);
  font-weight: 800;
  letter-spacing: -.02em;
  margin-bottom: 14px;
}
.feature-content p {
  color: var(--text-secondary);
  font-size: 16px;
  line-height: 1.7;
  max-width: 48ch;
}
.feature-content .btn { margin-top: 20px; }

/* --- Stats Bar --- */
.stats-bar {
  padding: 60px 0;
  background: var(--grey-950);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats-bar::before {
  content: '';
  position: absolute;
  top: -50%; left: -20%;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226,11,92,.08) 0%, transparent 70%);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
  position: relative;
  z-index: 1;
}
.stat-number {
  font-family: var(--font-display);
  font-size: 42px;
  font-weight: 800;
  color: var(--pink-light);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,.55);
  letter-spacing: .02em;
}

/* --- Full-width CTA band --- */
.cta-band {
  padding: 80px 0;
  background:
    radial-gradient(ellipse 800px 500px at 70% 30%, rgba(226,11,92,.08), transparent),
    radial-gradient(ellipse 600px 400px at 20% 70%, rgba(226,11,92,.05), transparent),
    linear-gradient(175deg, var(--grey-950) 0%, var(--grey-900) 100%);
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band h2 {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  color: #fff;
  margin-bottom: 14px;
  letter-spacing: -.02em;
}
.cta-band p {
  color: rgba(255,255,255,.6);
  font-size: 17px;
  max-width: 50ch;
  margin: 0 auto 28px;
}
.cta-band .btn.primary { font-size: 16px; padding: 16px 36px; }
.cta-band .btn:not(.primary) {
  background: #fff;
  border-color: rgba(255,255,255,.0);
  color: var(--pink);
  box-shadow: 0 10px 30px rgba(0,0,0,.12);
}
.cta-band .btn:not(.primary):hover {
  transform: translateY(-1px);
  background: rgba(255,255,255,.92);
  box-shadow: 0 14px 42px rgba(0,0,0,.16);
}

/* --- Footer --- */
footer {
  background: var(--grey-950);
  color: rgba(255,255,255,.55);
  padding: 48px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 24px;
  align-items: start;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.footer-grid strong { color: rgba(255,255,255,.8); }
.small { font-size: 13px; line-height: 1.6; color: inherit; }
.footer-links {
  display: flex; gap: 18px; flex-wrap: wrap; justify-content: flex-end;
}
.footer-links a { color: rgba(255,255,255,.45); font-size: 13.5px; }
.footer-links a:hover { color: var(--pink-light); }
.disclaimer {
  margin-top: 20px;
  color: rgba(255,255,255,.3);
  font-size: 12.5px;
}

/* ====================================================
   PREMIUM ANIMATION SYSTEM
   Zero-dependency · GPU-composited · rAF-driven
   ==================================================== */

/* --- Hero entrance stagger --- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translate3d(0, 32px, 0); }
  to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes fadeInScale {
  from { opacity: 0; transform: scale(.96) translate3d(0, 16px, 0); }
  to   { opacity: 1; transform: scale(1)   translate3d(0, 0, 0); }
}

.anim {
  opacity: 0;
  animation: fadeInUp .7s cubic-bezier(.22, 1, .36, 1) forwards;
}
.anim-d1 { animation-delay: .1s; }
.anim-d2 { animation-delay: .2s; }
.anim-d3 { animation-delay: .3s; }
.anim-d4 { animation-delay: .4s; }
.anim-d5 { animation-delay: .5s; }

/* Hero card gets a subtler scale-in */
.hero-card.anim {
  animation-name: fadeInScale;
  animation-duration: .8s;
}

/* --- Scroll reveal (slide-up) --- */
.reveal {
  opacity: 0;
  transform: translate3d(0, 36px, 0);
  transition:
    opacity .65s cubic-bezier(.22, 1, .36, 1),
    transform .65s cubic-bezier(.22, 1, .36, 1);
  will-change: opacity, transform;
}
.reveal.visible {
  opacity: 1;
  transform: translate3d(0, 0, 0);
}

/* Stagger children — applied by JS via data-stagger */
[data-stagger] {
  opacity: 0;
  transform: translate3d(0, 20px, 0);
  transition:
    opacity .5s cubic-bezier(.22, 1, .36, 1),
    transform .5s cubic-bezier(.22, 1, .36, 1);
}
[data-stagger].stagger-in {
  opacity: 1;
  transform: translate3d(0, 0, 0);
}

/* --- Header scroll transition --- */
header {
  transition:
    box-shadow .35s var(--ease),
    padding .3s var(--ease),
    background .3s var(--ease);
}
header.header-scrolled {
  box-shadow: 0 4px 24px rgba(0,0,0,.07);
  background: rgba(255,255,255,.97);
}
header.header-scrolled .nav {
  padding: 10px 0;
}
header.header-scrolled .brand img {
  width: 140px;
}
.nav {
  transition: padding .3s var(--ease);
}
.brand img {
  transition: width .3s var(--ease);
}

/* --- Card hover — premium micro-interactions --- */
.card {
  transition:
    transform .4s cubic-bezier(.22, 1, .36, 1),
    box-shadow .4s cubic-bezier(.22, 1, .36, 1),
    border-color .3s var(--ease);
}
.card:hover {
  transform: translateY(-8px);
  box-shadow:
    0 20px 50px rgba(0,0,0,.08),
    0 8px 20px rgba(0,0,0,.04);
  border-color: var(--grey-300);
}

/* Icon lifts and gets pink glow on hover */
.card .card-icon {
  transition:
    transform .4s cubic-bezier(.22, 1, .36, 1),
    box-shadow .4s cubic-bezier(.22, 1, .36, 1);
}
.card:hover .card-icon {
  transform: translateY(-4px) scale(1.04);
  box-shadow:
    0 12px 32px rgba(226,11,92,.15),
    0 4px 12px rgba(0,0,0,.06);
}

/* Gradient shimmer across card visual on hover */
.card-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    120deg,
    transparent 0%,
    rgba(255,255,255,.35) 40%,
    rgba(255,255,255,.35) 60%,
    transparent 100%
  );
  transform: translateX(-110%);
  transition: transform .6s cubic-bezier(.22, 1, .36, 1);
  pointer-events: none;
}
.card:hover .card-visual::after {
  transform: translateX(110%);
}

/* Link underline grow */
.link { position: relative; }
.link::after {
  content: '';
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 2px;
  background: var(--pink);
  transition: width .3s cubic-bezier(.22, 1, .36, 1);
}
.card:hover .link::after { width: 100%; }

/* Card arrow nudge */
.link {
  transition: gap .3s var(--ease), color .25s var(--ease);
}
.card:hover .link { gap: 10px; }

/* --- Panel hover --- */
.panel {
  transition:
    box-shadow .35s var(--ease),
    transform .35s var(--ease),
    border-color .3s var(--ease);
}
.panel:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,.06);
  transform: translateY(-2px);
  border-color: var(--grey-300);
}

/* --- Mini-card hover --- */
.mini-card {
  transition:
    box-shadow .3s var(--ease),
    transform .3s var(--ease),
    border-color .3s var(--ease);
}
.mini-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,.07);
  transform: translateY(-3px);
  border-color: var(--grey-300);
}

/* --- Trust logo bar — soft fade + hover pop --- */
.trust-logos img {
  transition: transform .25s var(--ease);
}
.trust-logos img:hover {
  transform: translateY(-1px);
}

/* --- Stats animation --- */
.stat-number {
  transition: opacity .4s var(--ease), transform .4s var(--ease);
}
.stat-number.stat-visible {
  opacity: 1;
}

/* --- Feature photo reveal (scale from 1.06→1) --- */
/* Photo hover — gentle zoom */
.feature-visual { overflow: hidden; }
.feature-photo:hover {
  transform: scale(1.03);
}

/* --- Accordion animation --- */
details {
  transition:
    border-color .3s var(--ease),
    box-shadow .3s var(--ease);
}
details[open] {
  box-shadow: 0 4px 16px rgba(0,0,0,.05);
  border-color: var(--grey-300);
}
summary {
  transition: color .25s var(--ease), padding .3s var(--ease);
}
summary::after {
  transition:
    transform .35s cubic-bezier(.22, 1, .36, 1),
    color .25s var(--ease);
}
details[open] summary::after {
  transform: rotate(180deg);
}

/* --- Button press / ripple --- */
.btn {
  position: relative;
  overflow: hidden;
  transition:
    background .25s var(--ease),
    border-color .25s var(--ease),
    transform .2s var(--ease),
    box-shadow .3s var(--ease);
}
.btn:active {
  transform: translateY(0) scale(.98);
}
.btn.primary:active {
  box-shadow: 0 4px 16px rgba(226,11,92,.18);
}

/* Subtle glow ring on primary hover */
.btn.primary::before {
  content: '';
  position: absolute;
  inset: -2px;
  border-radius: inherit;
  background: var(--pink-light);
  opacity: 0;
  z-index: -1;
  transition: opacity .3s var(--ease);
  filter: blur(8px);
}
.btn.primary:hover::before {
  opacity: .18;
}

/* --- Badge hover stagger --- */
.badge {
  transition:
    border-color .25s var(--ease),
    color .25s var(--ease),
    background .25s var(--ease),
    transform .25s var(--ease);
}
.badge:hover {
  transform: translateY(-2px);
}

/* --- Hero parallax helper --- */
.hero {
  will-change: auto;
}
.hero .container {
  will-change: transform;
}

/* --- Soft floating decoration enhancement --- */
.hero:not(.hero-immersive)::before,
.hero:not(.hero-immersive)::after {
  will-change: transform;
}

/* --- CTA band hover buttons --- */
.cta-band .btn {
  transition:
    transform .3s var(--ease),
    box-shadow .3s var(--ease),
    background .25s var(--ease);
}
.cta-band .btn:hover {
  transform: translateY(-3px);
}

/* --- Nav link micro-interaction --- */
.navlinks a {
  position: relative;
}
.navlinks a::after {
  content: '';
  position: absolute;
  bottom: 2px; left: 50%;
  width: 0; height: 2px;
  background: var(--pink);
  border-radius: 1px;
  transition: width .25s var(--ease), left .25s var(--ease);
}
.navlinks a:hover::after {
  width: 60%;
  left: 20%;
}
.navlinks a[aria-current="page"]::after {
  width: 60%;
  left: 20%;
}

/* --- Footer link hover --- */
.footer-links a {
  transition: color .25s var(--ease);
  position: relative;
}
.footer-links a::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 1px;
  background: var(--pink-light);
  transition: width .25s var(--ease);
}
.footer-links a:hover::after {
  width: 100%;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .cards { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-links { justify-content: flex-start; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .feature-band-grid { grid-template-columns: 1fr; gap: 32px; }
  .feature-band-grid.reverse { direction: ltr; }
  .section-title { flex-direction: column; gap: 8px; }
}
@media (max-width: 768px) {
  .navlinks { display: none; }
  .nav-cta { display: none; }
  .burger { display: inline-flex; }
  .mobile-panel[aria-hidden="false"] { display: block; }
  .hero { padding: 48px 0 56px; }
  .section { padding: 52px 0; }
  .provider-logos img { height: 16px; }
  h1 { font-size: clamp(28px, 6vw, 40px); }
  .cards { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .cta-band { padding: 56px 0; }
  .cta-band .btn { width: 100%; max-width: 340px; }
}
@media (max-width: 480px) {
  .topbar { display: none; }
  .section { padding: 44px 0; }
  .stats-grid { grid-template-columns: 1fr; }
  .trust-logos { gap: 24px; }
}


/* Feature band photo + mini cards */
.feature-photo{
  width:100%;
  height:100%;
  max-height: 360px;
  object-fit: cover;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--grey-200);
  display:block;
}
.mini-cards{
  display:grid;
  grid-template-columns: 1fr;
  gap: 14px;
  margin-top: 18px;
}
.mini-card{
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  box-shadow: var(--shadow-sm);
}
.mini-card h3{
  margin: 0 0 6px;
  font-size: 16px;
}
.mini-card p{
  margin: 0;
  color: var(--text-secondary);
  line-height: 1.65;
}
.mini-card .link{ display:inline-flex; margin-top: 10px; }
.mini-cta{ display:flex; gap:12px; flex-wrap:wrap; margin-top: 20px; }
.feature-content .muted{ color: var(--text-secondary); }

/* ═══════════════════════════════════════════════════
   INNER PAGE PREMIUM LAYOUT COMPONENTS
   ═══════════════════════════════════════════════════ */

/* --- Intro prose (full-width paragraph section) --- */
.intro-prose {
  padding: 48px 0 0;
}
.intro-prose p {
  font-size: 17px;
  line-height: 1.8;
  color: var(--text-secondary);
  max-width: 72ch;
}
.intro-prose p + p { margin-top: 0; }

/* --- Icon grid (3-4 column feature blocks) --- */
.icon-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.icon-block {
  padding: 28px 24px;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  transition: all .3s var(--ease);
}
.icon-block:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--grey-300);
}
.icon-block .ib-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--pink-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.icon-block .ib-icon svg {
  width: 24px;
  height: 24px;
  color: var(--pink);
}
.icon-block h3 {
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -.01em;
}
.icon-block p {
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.65;
  margin: 0;
}
@media (max-width: 768px) {
  .icon-grid { grid-template-columns: 1fr; }
}

/* --- 4-column icon grid --- */
.icon-grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .icon-grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .icon-grid-4 { grid-template-columns: 1fr; } }

/* --- Process steps (numbered flow) --- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step;
}
.step {
  position: relative;
  padding: 28px 24px 24px;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  counter-increment: step;
}
.step::before {
  content: counter(step);
  position: absolute;
  top: -14px;
  left: 24px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--pink);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(226, 11, 92, .25);
}
.step h4 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -.01em;
}
.step p {
  color: var(--text-secondary);
  font-size: 14.5px;
  line-height: 1.65;
  margin: 0;
}
@media (max-width: 900px) { .process-steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .process-steps { grid-template-columns: 1fr; } }

/* --- Highlight box (coloured callout) --- */
.highlight-box {
  background: var(--pink-subtle);
  border: 1px solid rgba(226, 11, 92, .12);
  border-radius: var(--radius-sm);
  padding: 28px 32px;
  position: relative;
}
.highlight-box::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  border-radius: 4px 0 0 4px;
  background: var(--pink);
}
.highlight-box h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--pink-dark);
  margin-bottom: 8px;
}
.highlight-box p {
  color: var(--grey-700);
  font-size: 15px;
  line-height: 1.7;
  margin: 0;
}

/* Neutral highlight */
.highlight-box.neutral {
  background: var(--grey-100);
  border-color: var(--grey-200);
}
.highlight-box.neutral::before {
  background: var(--grey-600);
}
.highlight-box.neutral h3 {
  color: var(--text);
}

/* --- Two-column prose --- */
.two-col-prose {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.two-col-prose p {
  color: var(--text-secondary);
  font-size: 15.5px;
  line-height: 1.75;
}
.two-col-prose h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -.02em;
}
@media (max-width: 768px) { .two-col-prose { grid-template-columns: 1fr; gap: 24px; } }

/* --- Cross-sell band (related products) --- */
.cross-sell {
  background: var(--grey-50);
  border-top: 1px solid var(--grey-200);
  border-bottom: 1px solid var(--grey-200);
  padding: 56px 0;
}
.cross-sell h2 {
  font-size: clamp(22px, 2.2vw, 28px);
  font-weight: 800;
  letter-spacing: -.02em;
  margin-bottom: 8px;
}
.cross-sell > .container > p {
  color: var(--text-secondary);
  margin-bottom: 28px;
}

/* --- Stat inline (inline stats row) --- */
.stat-inline-row {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  padding: 32px 0;
  border-top: 1px solid var(--grey-200);
  border-bottom: 1px solid var(--grey-200);
}
.stat-inline {
  text-align: left;
}
.stat-inline .si-number {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 800;
  color: var(--pink);
  letter-spacing: -.02em;
}
.stat-inline .si-label {
  font-size: 13.5px;
  color: var(--text-secondary);
  margin-top: 2px;
}

/* --- Checklist panel --- */
.checklist {
  list-style: none;
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 0;
}
.checklist li {
  display: flex;
  gap: 12px;
  align-items: baseline;
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.6;
}
.checklist li::before {
  content: '✓';
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--pink-subtle);
  color: var(--pink);
  font-size: 12px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}

/* --- Section with grey background --- */
.section-grey {
  background: var(--grey-50);
  padding: 64px 0;
  border-top: 1px solid var(--grey-200);
  border-bottom: 1px solid var(--grey-200);
}

/* --- Divider --- */
.section-divider {
  border: 0;
  border-top: 1px solid var(--grey-200);
  margin: 48px 0;
}