@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600&display=swap');

/* ==========================================================================
   Auto Insurance — Core stylesheet
   Palette: pine / kelly / signal green.  Type: Outfit + IBM Plex Mono
   All colours verified against WCAG 2.1 AA (see COMPLIANCE-NOTES.md)

   Fonts are loaded by the @import above, so this file works on its own even
   if the <link> tags in the HTML still point at the old families.
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
    /* Ink */
    --ink:        #0E1B14;   /* 16.4:1 on white — AAA */
    --ink-2:      #475A50;   /*  7.4:1 on white — AAA */
    --ink-inv:    #FFFFFF;

    /* Brand green */
    --kelly:      #0A7A4C;   /*  5.4:1 on white — AA  */
    --kelly-800:  #086240;
    --kelly-900:  #05412B;
    --pine:       #06301F;   /* dark surface            */
    --pine-900:   #042417;
    --signal:     #14C46A;   /* decorative / on dark    */
    --glow:       #7BF0B4;   /* accents on dark only    */

    /* Surfaces */
    --paper:      #FFFFFF;
    --mist:       #F3F8F4;
    --mist-2:     #E7F1EA;
    --line:       #DCE7E0;
    --line-dark:  rgba(255,255,255,.14);

    /* Support */
    --amber:      #B06E00;   /* 4.6:1 on white — AA     */
    --amber-bright:#FFB627;  /* stars on dark only      */
    --alert:      #B32318;

    /* Type */
    --display: "Outfit", system-ui, -apple-system, "Segoe UI", sans-serif;
    --body:    "Outfit", system-ui, -apple-system, "Segoe UI", sans-serif;
    --mono:    "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

    /* Space + shape */
    --wrap: 1200px;
    --gut: clamp(20px, 5vw, 48px);
    --r-xs: 8px;
    --r-sm: 12px;
    --r:    18px;
    --r-lg: 28px;
    --r-xl: 40px;
    --pill: 999px;

    --shadow-sm: 0 1px 2px rgba(6,48,31,.06), 0 2px 8px rgba(6,48,31,.05);
    --shadow:    0 2px 6px rgba(6,48,31,.05), 0 12px 32px rgba(6,48,31,.09);
    --shadow-lg: 0 4px 12px rgba(6,48,31,.06), 0 28px 64px rgba(6,48,31,.14);

    --ease: cubic-bezier(.22,.61,.36,1);
    --ease-out: cubic-bezier(.16,1,.3,1);
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: var(--body);
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-2);
    background: var(--paper);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
button { font: inherit; color: inherit; }
a { color: var(--kelly); text-underline-offset: 3px; }
h1, h2, h3, h4 {
    font-family: var(--display);
    color: var(--ink);
    line-height: 1.06;
    letter-spacing: -.03em;
    margin: 0 0 .5em;
    font-weight: 700;
}
h1 { font-size: clamp(2.5rem, 5.6vw, 4.15rem); font-weight: 800; }
h2 { font-size: clamp(1.95rem, 3.9vw, 2.95rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); line-height: 1.2; }
h4 { font-size: 1.05rem; line-height: 1.3; }
p  { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.1em; padding-left: 1.2em; }

/* ---------- 3. Utilities ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gut); }
.wrap--narrow { max-width: 820px; }
.section { padding-block: clamp(64px, 9vw, 118px); }
.section--tight { padding-block: clamp(48px, 6vw, 76px); }
.section--mist { background: var(--mist); }
.section--pine { background: var(--pine); color: rgba(255,255,255,.78); }
.section--pine h2, .section--pine h3, .section--pine h4 { color: #fff; }
.center { text-align: center; }
.lede { font-size: clamp(1.06rem, 1.6vw, 1.2rem); color: var(--ink-2); max-width: 62ch; }
.center .lede { margin-inline: auto; }
.visually-hidden {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* Eyebrow — mono, because this whole product runs on policy numbers and ZIPs */
.eyebrow {
    font-family: var(--mono);
    font-size: .72rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    font-weight: 600;
    color: var(--kelly);
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 18px;
}
.eyebrow::before {
    content: ""; width: 26px; height: 2px; background: var(--kelly); border-radius: 2px;
}
.center .eyebrow { justify-content: center; }
.section--pine .eyebrow { color: var(--glow); }
.section--pine .eyebrow::before { background: var(--glow); }

/* ---------- 4. Focus + skip link (a11y baseline) ---------- */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, summary:focus-visible,
[tabindex]:focus-visible {
    outline: 3px solid var(--kelly);
    outline-offset: 3px;
    border-radius: 6px;
}
.section--pine a:focus-visible, .section--pine button:focus-visible,
.site-footer a:focus-visible, .site-footer button:focus-visible,
.topbar a:focus-visible {
    outline-color: var(--glow);
}
.skip-link {
    position: absolute; top: -100px; left: 8px; z-index: 999;
    background: var(--kelly); color: #fff; padding: 12px 22px;
    border-radius: 0 0 var(--r-xs) var(--r-xs);
    font-weight: 800; text-decoration: none;
}
.skip-link:focus { top: 0; }

/* ---------- 5. Buttons ---------- */
.btn {
    --btn-bg: var(--kelly);
    --btn-fg: #fff;
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    background: var(--btn-bg); color: var(--btn-fg);
    font-family: var(--body); font-weight: 800; font-size: 1rem;
    letter-spacing: -.01em;
    padding: 17px 30px;
    border: 2px solid transparent; border-radius: var(--pill);
    text-decoration: none; cursor: pointer;
    transition: transform .28s var(--ease-out), box-shadow .28s var(--ease-out), background-color .2s;
    box-shadow: 0 8px 20px -8px rgba(10,122,76,.6);
}
.btn:hover { background: var(--kelly-800); transform: translateY(-2px); box-shadow: 0 14px 28px -10px rgba(10,122,76,.62); }
.btn:active { transform: translateY(0); }
.btn svg { flex: none; }
.btn--ghost {
    --btn-bg: transparent; --btn-fg: var(--ink);
    border-color: var(--line); box-shadow: none;
}
.btn--ghost:hover { background: var(--mist); border-color: var(--kelly); transform: translateY(-2px); }
.btn--light {
    --btn-bg: #fff; --btn-fg: var(--pine);
    box-shadow: 0 10px 26px -12px rgba(0,0,0,.5);
}
.btn--light:hover { background: var(--glow); }
.btn--lg { padding: 20px 38px; font-size: 1.06rem; }
.btn--sm { padding: 12px 22px; font-size: .93rem; }
.btn--block { width: 100%; }

/* Arrow micro-interaction */
.btn .arw { transition: transform .3s var(--ease-out); }
.btn:hover .arw { transform: translateX(4px); }

/* ---------- 6. Top bar + header ---------- */
.topbar { background: var(--pine); color: rgba(255,255,255,.72); font-size: .85rem; }
.topbar__in { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 42px; }
.topbar__msg { margin: 0; display: flex; align-items: center; gap: 9px; }
.topbar__msg::before {
    content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--signal);
    box-shadow: 0 0 0 0 rgba(20,196,106,.7); animation: pulse 2.6s infinite;
}
@keyframes pulse {
    0%   { box-shadow: 0 0 0 0 rgba(20,196,106,.55); }
    70%  { box-shadow: 0 0 0 9px rgba(20,196,106,0); }
    100% { box-shadow: 0 0 0 0 rgba(20,196,106,0); }
}
.topbar__tel {
    color: #fff; text-decoration: none; font-weight: 700; font-family: var(--mono);
    letter-spacing: -.01em; display: inline-flex; align-items: center; gap: 8px;
    white-space: nowrap; flex: none;
}
.topbar__tel:hover { color: var(--glow); }

.site-header {
    position: sticky; top: 0; z-index: 90;
    background: rgba(255,255,255,.88);
    backdrop-filter: saturate(150%) blur(14px);
    -webkit-backdrop-filter: saturate(150%) blur(14px);
    border-bottom: 1px solid transparent;
    transition: border-color .3s, box-shadow .3s;
}
.site-header.is-stuck { border-bottom-color: var(--line); box-shadow: 0 6px 24px -18px rgba(6,48,31,.6); }
.header__in { display: flex; align-items: center; gap: 20px; min-height: 76px; }

.logo { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; flex: none; }
.logo__mark { width: 40px; height: 40px; border-radius: 11px; flex: none; }
.logo__txt { display: flex; flex-direction: column; line-height: 1; }
.logo__name {
    font-family: var(--display); font-weight: 800; font-size: 1.16rem;
    letter-spacing: -.045em; color: var(--ink);
}
.logo__sub {
    font-family: var(--mono); font-size: .58rem; letter-spacing: .2em;
    text-transform: uppercase; color: var(--kelly); font-weight: 600; margin-top: 3px;
}

.nav { margin-left: auto; }
.nav > ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav a {
    display: block; padding: 10px 15px; border-radius: var(--pill);
    color: var(--ink); text-decoration: none; font-weight: 700; font-size: .96rem;
    transition: background-color .2s, color .2s;
}
.nav a:hover { background: var(--mist-2); color: var(--kelly-900); }
.nav a[aria-current="page"] { color: var(--kelly); }
.header__cta { flex: none; }

.burger {
    display: none; width: 46px; height: 46px; flex: none;
    background: var(--mist); border: 1px solid var(--line); border-radius: 13px;
    cursor: pointer; padding: 0; place-items: center;
}
.burger span { display: block; width: 20px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s; }
.burger span + span { margin-top: 5px; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 940px) {
    .burger { display: grid; margin-left: auto; }
    .header__cta { display: none; }
    .nav {
        position: fixed; inset: 118px 0 auto; margin: 0;
        background: #fff; border-bottom: 1px solid var(--line);
        padding: 14px var(--gut) 26px;
        transform: translateY(-14px); opacity: 0; pointer-events: none;
        transition: opacity .26s var(--ease), transform .26s var(--ease);
        box-shadow: var(--shadow);
        max-height: calc(100vh - 118px); overflow-y: auto;
    }
    .nav.is-open { opacity: 1; transform: none; pointer-events: auto; }
    .nav > ul { flex-direction: column; align-items: stretch; gap: 2px; }
    .nav a { padding: 15px 14px; border-radius: var(--r-sm); font-size: 1.06rem; }
    .nav .nav__cta { margin-top: 12px; }
    .nav .nav__cta a { background: var(--kelly); color: #fff; text-align: center; }
}

/* ---------- 7. Hero ---------- */
.hero {
    position: relative;
    background: linear-gradient(168deg, var(--pine) 0%, #084832 58%, var(--kelly-900) 100%);
    color: rgba(255,255,255,.8);
    overflow: hidden;
    padding-block: clamp(48px, 6.5vw, 86px) clamp(64px, 8vw, 104px);
}
.hero__grid-bg {
    position: absolute; inset: 0; opacity: .5; pointer-events: none;
    background-image:
        linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
    background-size: 62px 62px;
    mask-image: radial-gradient(ellipse 80% 70% at 30% 0%, #000 20%, transparent 78%);
    -webkit-mask-image: radial-gradient(ellipse 80% 70% at 30% 0%, #000 20%, transparent 78%);
}
.hero__glow {
    position: absolute; width: 780px; height: 780px; border-radius: 50%;
    background: radial-gradient(circle, rgba(20,196,106,.28), transparent 66%);
    top: -320px; right: -180px; pointer-events: none; filter: blur(12px);
}
.hero__in {
    position: relative; display: grid; gap: clamp(38px, 5vw, 60px) clamp(38px, 5vw, 60px);
    grid-template-columns: minmax(0,1.02fr) minmax(0,.98fr); align-items: center;
    min-width: 0;
}
/* Desktop: copy top-left, illustration under it, finder spanning both rows on the right. */
.hero__in > * { min-width: 0; }   /* stop any wide child blowing out the track */
.hero__copy { grid-column: 1; grid-row: 1; }
.hero__car  { grid-column: 1; grid-row: 2; align-self: start; max-width: 460px; }
.finder     { grid-column: 2; grid-row: 1 / 3; align-self: center; }

/* Mobile: single column. DOM order is copy → finder → illustration, so the
   form lands directly under the headline instead of below the artwork. */
@media (max-width: 1000px) {
    .hero__in  { grid-template-columns: minmax(0, 1fr); gap: 34px; }
    .hero__copy, .hero__car, .finder { grid-column: 1; grid-row: auto; }
    .hero__car { max-width: min(380px, 100%); margin-inline: auto; }
}

.hero h1 { color: #fff; margin-bottom: 20px; }
.hero h1 .hl {
    color: var(--glow);
    position: relative; white-space: nowrap;
}
/* Below ~420px "ZIP by ZIP." can no longer hold a line on its own. */
@media (max-width: 420px) { .hero h1 .hl { white-space: normal; } }
.hero__sub { font-size: clamp(1.06rem, 1.7vw, 1.24rem); color: rgba(255,255,255,.8); max-width: 40ch; margin-bottom: 28px; }

.hero__chips { display: flex; flex-wrap: wrap; gap: 9px; list-style: none; margin: 0 0 26px; padding: 0; }
.hero__chips li {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.16);
    color: #fff; font-size: .87rem; font-weight: 700;
    padding: 9px 15px; border-radius: var(--pill);
    backdrop-filter: blur(6px);
}
.hero__chips svg { color: var(--glow); flex: none; }


/* ---------- 8. Rate finder card — the signature element ----------
   Modelled on a printed policy declarations page: perforated top edge,
   mono field codes, an odometer-style progress rail. */
.finder {
    position: relative;
    background: #fff;
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    color: var(--ink-2);
    isolation: isolate;
}
.finder::before {
    /* perforated tear strip */
    content: ""; position: absolute; left: 18px; right: 18px; top: 60px; height: 2px;
    background-image: radial-gradient(circle, var(--line) 1.6px, transparent 1.7px);
    background-size: 9px 2px; opacity: .9;
}
.finder__head {
    display: flex; align-items: center; justify-content: space-between; gap: 12px;
    padding: 20px 26px 18px;
}
.finder__code {
    font-family: var(--mono); font-size: .68rem; letter-spacing: .16em;
    text-transform: uppercase; color: var(--kelly); font-weight: 600;
}
.finder__time {
    font-family: var(--mono); font-size: .7rem; color: var(--ink-2);
    display: inline-flex; align-items: center; gap: 6px;
}
.finder__time svg { color: var(--kelly); }

/* Odometer rail */
.rail { display: flex; gap: 6px; padding: 20px 26px 0; list-style: none; margin: 0; }
.rail li {
    flex: 1; text-align: center;
    font-family: var(--mono); font-size: .62rem; letter-spacing: .1em;
    text-transform: uppercase; color: var(--ink-2); font-weight: 600;
}
.rail li::before {
    content: ""; display: block; height: 5px; border-radius: 3px;
    background: var(--mist-2); margin-bottom: 8px;
    transition: background-color .45s var(--ease);
}
.rail li.is-done::before { background: var(--kelly); }
.rail li.is-now::before { background: linear-gradient(90deg, var(--kelly) 50%, var(--mist-2) 50%); }
.rail li.is-now, .rail li.is-done { color: var(--kelly-900); }

.finder__body { padding: 22px 26px 26px; }
.step { display: none; }
.step.is-active { display: block; animation: stepIn .42s var(--ease-out) both; }
@keyframes stepIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

.step__n {
    font-family: var(--mono); font-size: .68rem; letter-spacing: .14em;
    text-transform: uppercase; color: var(--ink-2); font-weight: 600; margin: 0 0 6px;
}
.step h2, .step h3 {
    font-size: clamp(1.25rem, 2.2vw, 1.6rem); margin: 0 0 4px; color: var(--ink);
}
.step h3:focus { outline: none; }
.step h3:focus-visible { outline: 3px solid var(--kelly); outline-offset: 4px; }
.step__hint { font-size: .9rem; color: var(--ink-2); margin: 0 0 18px; }

/* Year grid */
.yeargrid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;
    max-height: 268px; overflow-y: auto; padding: 2px 4px 2px 2px; margin-bottom: 16px;
    scrollbar-width: thin;
}
.yeargrid::-webkit-scrollbar { width: 6px; }
.yeargrid::-webkit-scrollbar-thumb { background: var(--line); border-radius: 3px; }
.chip-btn {
    font-family: var(--mono); font-weight: 600; font-size: .95rem;
    padding: 13px 4px; border: 1.5px solid var(--line); background: #fff;
    border-radius: var(--r-xs); cursor: pointer; color: var(--ink);
    transition: border-color .18s, background-color .18s, transform .18s var(--ease-out);
}
.chip-btn:hover { border-color: var(--kelly); background: var(--mist); transform: translateY(-2px); }
.chip-btn[aria-checked="true"], .chip-btn.is-on {
    background: var(--kelly); border-color: var(--kelly); color: #fff;
}

/* Radio pills */
.pills { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 18px; }
.pills .chip-btn { flex: 1 1 130px; padding: 15px 16px; font-family: var(--body); font-weight: 700; font-size: 1rem; }

/* Fields */
.field { margin-bottom: 15px; }
.field > label, .fieldset-label {
    display: block; font-family: var(--mono); font-size: .68rem; letter-spacing: .12em;
    text-transform: uppercase; font-weight: 600; color: var(--ink-2); margin-bottom: 7px;
}
.input, .select {
    width: 100%; padding: 15px 16px; font: inherit; color: var(--ink);
    background: var(--mist); border: 1.5px solid var(--line); border-radius: var(--r-sm);
    transition: border-color .2s, background-color .2s, box-shadow .2s;
}
.select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%23475A50' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 16px center; padding-right: 42px;
}
.input:hover, .select:hover { border-color: #BFD3C7; }
.input:focus, .select:focus { background: #fff; border-color: var(--kelly); box-shadow: 0 0 0 4px rgba(10,122,76,.12); outline: none; }
.input:focus-visible, .select:focus-visible { outline: 3px solid var(--kelly); outline-offset: 2px; }
.input--zip { font-family: var(--mono); font-size: 1.25rem; letter-spacing: .3em; text-align: center; font-weight: 600; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; } }

.err {
    display: none; color: var(--alert); font-size: .85rem; font-weight: 700; margin-top: 7px;
    align-items: center; gap: 6px;
}
.err.is-on { display: flex; }
.input[aria-invalid="true"], .select[aria-invalid="true"] { border-color: var(--alert); background: #FEF3F2; }

/* Consent */
.consent {
    display: flex; gap: 12px; align-items: flex-start;
    background: var(--mist); border: 1.5px solid var(--line); border-radius: var(--r-sm);
    padding: 15px; margin-bottom: 16px;
}
.consent input[type="checkbox"] { width: 21px; height: 21px; flex: none; margin-top: 2px; accent-color: var(--kelly); cursor: pointer; }
.consent label { font-size: .79rem; line-height: 1.55; color: var(--ink-2); cursor: pointer; }
.consent a { color: var(--kelly-800); }

.finder__nav { display: flex; gap: 10px; align-items: center; margin-top: 6px; }
.back-btn {
    background: none; border: 0; color: var(--ink-2); font-weight: 700; font-size: .93rem;
    cursor: pointer; padding: 12px 6px; display: inline-flex; align-items: center; gap: 6px;
    border-radius: var(--r-xs);
}
.back-btn:hover { color: var(--kelly); }
.finder__foot {
    border-top: 1px solid var(--line); padding: 14px 26px;
    display: flex; align-items: center; gap: 9px;
    font-size: .76rem; color: var(--ink-2);
}
.finder__foot svg { color: var(--kelly); flex: none; }

/* Success panel */
.finder__done { display: none; padding: 40px 26px 46px; text-align: center; }
.finder__done.is-on { display: block; animation: stepIn .5s var(--ease-out) both; }
.tick { width: 68px; height: 68px; margin: 0 auto 18px; }
.tick circle, .tick path { stroke-dasharray: 200; stroke-dashoffset: 200; animation: draw .9s var(--ease-out) forwards; }
.tick path { animation-delay: .45s; }
@keyframes draw { to { stroke-dashoffset: 0; } }

/* ---------- 9. Trust strip ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2px; background: var(--line); border-radius: var(--r); overflow: hidden; }
@media (max-width: 760px) { .stats { grid-template-columns: repeat(2, 1fr); } }
.stat { background: #fff; padding: 30px 22px; text-align: center; }
.stat__n {
    font-family: var(--display); font-size: clamp(1.9rem, 3.4vw, 2.7rem); font-weight: 800;
    color: var(--kelly); letter-spacing: -.04em; line-height: 1; margin-bottom: 8px;
}
.stat__l { font-size: .87rem; color: var(--ink-2); margin: 0; }

/* ---------- 10. Card grids ---------- */
.grid { display: grid; gap: 20px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

.card {
    background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
    padding: 30px 28px; position: relative; overflow: hidden;
    transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out), border-color .35s;
}
.card::after {
    content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px;
    background: linear-gradient(90deg, var(--kelly), var(--signal));
    transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease-out);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card:hover::after { transform: scaleX(1); }
.card h3 { margin-bottom: 9px; }
.card p:last-child { margin-bottom: 0; }
.card__ico {
    width: 52px; height: 52px; border-radius: 15px; display: grid; place-items: center;
    background: var(--mist-2); color: var(--kelly); margin-bottom: 18px;
    transition: background-color .3s, color .3s, transform .35s var(--ease-out);
}
.card:hover .card__ico { background: var(--kelly); color: #fff; transform: rotate(-6deg) scale(1.06); }

/* Numbered process — order genuinely matters here */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; counter-reset: s; }
@media (max-width: 880px) { .steps { grid-template-columns: 1fr; } }
.pstep { position: relative; padding-top: 26px; }
.pstep::before {
    counter-increment: s; content: counter(s, decimal-leading-zero);
    font-family: var(--mono); font-size: .78rem; font-weight: 600; letter-spacing: .12em;
    color: var(--kelly); display: block; margin-bottom: 14px;
}
.pstep::after {
    content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: var(--mist-2); border-radius: 3px;
}
.pstep.is-in::after { animation: railFill .7s var(--ease-out) forwards; }
@keyframes railFill {
    from { background: var(--mist-2); }
    to   { background: linear-gradient(90deg, var(--kelly), var(--signal)); }
}
.section--pine .pstep::before { color: var(--glow); }
.section--pine .pstep::after { background: rgba(255,255,255,.15); }

/* ---------- 11. Split / media rows ---------- */
.split { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: clamp(32px, 5vw, 68px); align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } .split--flip .split__media { order: -1; } }
.split__media { position: relative; }

.ticklist { list-style: none; padding: 0; margin: 0 0 28px; display: grid; gap: 14px; }
.ticklist li { display: flex; gap: 13px; align-items: flex-start; }
.ticklist svg { flex: none; margin-top: 3px; color: var(--kelly); }
.ticklist strong { color: var(--ink); display: block; }
.section--pine .ticklist strong { color: #fff; }
.section--pine .ticklist svg { color: var(--glow); }

/* ---------- 12. Coverage map (dot matrix) ---------- */
.mapwrap { position: relative; }
#usmap { width: 100%; height: auto; }
#usmap .dot { fill: rgba(255,255,255,.2); transition: fill .4s var(--ease), transform .4s var(--ease-out); transform-box: fill-box; transform-origin: center; }
#usmap .dot.on { fill: var(--signal); }
#usmap .dot.hot { fill: var(--glow); }
.maplegend { display: flex; gap: 20px; flex-wrap: wrap; list-style: none; padding: 0; margin: 22px 0 0; font-size: .86rem; }
.maplegend li { display: flex; align-items: center; gap: 8px; }
.maplegend i { width: 10px; height: 10px; border-radius: 50%; display: block; }

/* ---------- 13. Reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
@media (max-width: 900px) { .reviews { grid-template-columns: 1fr; } }
.review {
    background: #fff; border-radius: var(--r-lg); padding: 30px 28px;
    border: 1px solid var(--line); display: flex; flex-direction: column;
}
.review__stars { display: flex; gap: 3px; color: var(--amber); margin-bottom: 14px; }
.review p { font-size: 1.02rem; color: var(--ink); }
.review__who { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--line); display: flex; align-items: center; gap: 12px; }
.review__av {
    width: 42px; height: 42px; border-radius: 50%; flex: none; display: grid; place-items: center;
    background: var(--mist-2); color: var(--kelly-900); font-family: var(--display); font-weight: 800; font-size: 1rem;
}
.review__name { font-weight: 800; color: var(--ink); font-size: .95rem; line-height: 1.3; }
.review__meta { font-family: var(--mono); font-size: .72rem; color: var(--ink-2); }

/* ---------- 14. Accordion / FAQ ---------- */
.acc { border-top: 1px solid var(--line); }
.acc__item { border-bottom: 1px solid var(--line); }
.acc__btn {
    width: 100%; background: none; border: 0; cursor: pointer; text-align: left;
    display: flex; align-items: center; justify-content: space-between; gap: 18px;
    padding: 24px 4px; font-family: var(--display); font-weight: 700; font-size: clamp(1.02rem,1.6vw,1.18rem);
    color: var(--ink); letter-spacing: -.02em; line-height: 1.3;
}
.acc__btn:hover { color: var(--kelly); }
.acc__ico { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--mist-2); display: grid; place-items: center; transition: background-color .25s, transform .35s var(--ease); }
.acc__btn[aria-expanded="true"] .acc__ico { background: var(--kelly); color: #fff; transform: rotate(45deg); }
.acc__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .38s var(--ease); }
.acc__panel[data-open="true"] { grid-template-rows: 1fr; }
.acc__panel > div { overflow: hidden; }
.acc__panel p { padding: 0 60px 24px 4px; margin: 0; }
@media (max-width: 600px) { .acc__panel p { padding-right: 4px; } }

/* ---------- 15. CTA band ---------- */
.cta-band {
    background: linear-gradient(120deg, var(--kelly-900), var(--pine) 55%, #0B5C3C);
    border-radius: var(--r-xl); padding: clamp(40px, 6vw, 72px);
    color: rgba(255,255,255,.8); position: relative; overflow: hidden;
}
.cta-band h2 { color: #fff; }
.cta-band::after {
    content: ""; position: absolute; width: 460px; height: 460px; right: -140px; bottom: -240px;
    border-radius: 50%; background: radial-gradient(circle, rgba(20,196,106,.32), transparent 68%);
}
.cta-band__in { position: relative; z-index: 1; }

/* ---------- 16. Contact page — the claim ticket ---------- */
.ticket {
    position: relative; background: #fff; border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg); overflow: hidden;
    display: grid; grid-template-columns: 320px minmax(0,1fr);
}
@media (max-width: 900px) { .ticket { grid-template-columns: 1fr; } }

.ticket__stub {
    background: linear-gradient(165deg, var(--pine), var(--kelly-900) 70%, #0A5637);
    color: rgba(255,255,255,.78); padding: 34px 30px; position: relative;
}
.ticket__stub h2 { color: #fff; font-size: 1.5rem; }
.ticket__stub::after {
    content: ""; position: absolute; right: -1px; top: 0; bottom: 0; width: 2px;
    background-image: radial-gradient(circle, rgba(255,255,255,.45) 1.6px, transparent 1.7px);
    background-size: 2px 10px;
}
@media (max-width: 900px) { .ticket__stub::after { right: 0; left: 0; top: auto; bottom: -1px; width: auto; height: 2px; background-size: 10px 2px; } }
.ticket__num {
    font-family: var(--mono); font-size: .68rem; letter-spacing: .16em; text-transform: uppercase;
    color: var(--glow); margin: 0 0 20px; font-weight: 600;
}
.ways { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 20px; }
.ways li { display: flex; gap: 13px; }
.ways svg { flex: none; color: var(--glow); margin-top: 2px; }
.ways b { display: block; color: #fff; font-size: .95rem; }
.ways a { color: rgba(255,255,255,.82); text-decoration: none; font-family: var(--mono); font-size: .87rem; }
.ways a:hover { color: var(--glow); }
.ways span { font-family: var(--mono); font-size: .84rem; }

.ticket__form { padding: 34px clamp(24px, 4vw, 40px) 36px; position: relative; }

/* Completion ring */
.ring { position: absolute; top: 26px; right: clamp(24px,4vw,40px); width: 56px; height: 56px; }
.ring svg { transform: rotate(-90deg); }
.ring__track { stroke: var(--mist-2); }
.ring__bar { stroke: var(--kelly); stroke-linecap: round; transition: stroke-dashoffset .55s var(--ease-out); }
.ring__pct {
    position: absolute; inset: 0; display: grid; place-items: center;
    font-family: var(--mono); font-size: .68rem; font-weight: 600; color: var(--kelly-900);
}

/* Topic chips */
.topics { display: flex; flex-wrap: wrap; gap: 9px; margin: 0 0 26px; }
.topic {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 11px 17px; border-radius: var(--pill); cursor: pointer;
    border: 1.5px solid var(--line); background: #fff; color: var(--ink);
    font-weight: 700; font-size: .9rem;
    transition: all .22s var(--ease-out);
}
.topic:hover { border-color: var(--kelly); transform: translateY(-2px); }
.topic[aria-checked="true"] { background: var(--kelly); border-color: var(--kelly); color: #fff; }
.topic .dot-i { width: 7px; height: 7px; border-radius: 50%; background: var(--line); transition: background-color .22s; }
.topic[aria-checked="true"] .dot-i { background: var(--glow); }

/* Floating-label fields */
.ff { position: relative; margin-bottom: 26px; }
.ff input, .ff textarea, .ff select {
    width: 100%; border: 0; border-bottom: 2px solid var(--line);
    background: transparent; padding: 20px 2px 9px; font: inherit; color: var(--ink);
    border-radius: 0; transition: border-color .25s;
}
.ff textarea { resize: vertical; min-height: 108px; line-height: 1.6; }
.ff label {
    position: absolute; left: 2px; top: 20px; pointer-events: none;
    color: var(--ink-2); font-size: 1rem;
    transition: transform .24s var(--ease-out), font-size .24s var(--ease-out), color .24s;
    transform-origin: left top;
}
.ff input:focus + label, .ff textarea:focus + label, .ff select:focus + label,
.ff input:not(:placeholder-shown) + label, .ff textarea:not(:placeholder-shown) + label,
.ff.is-filled label {
    transform: translateY(-19px); font-size: .68rem; letter-spacing: .12em;
    text-transform: uppercase; font-family: var(--mono); font-weight: 600; color: var(--kelly);
}
.ff input:focus, .ff textarea:focus, .ff select:focus { outline: none; border-bottom-color: var(--kelly); }
.ff input:focus-visible, .ff textarea:focus-visible, .ff select:focus-visible { outline: 3px solid var(--kelly); outline-offset: 4px; }
.ff__bar { position: absolute; left: 0; bottom: 0; height: 2px; width: 100%; background: var(--kelly); transform: scaleX(0); transform-origin: left; transition: transform .34s var(--ease-out); }
.ff input:focus ~ .ff__bar, .ff textarea:focus ~ .ff__bar, .ff select:focus ~ .ff__bar { transform: scaleX(1); }
.ff__count { position: absolute; right: 2px; bottom: -20px; font-family: var(--mono); font-size: .68rem; color: var(--ink-2); }
.ff .err { margin-top: 8px; }

/* Contact success */
.ticket__done { display: none; text-align: center; padding: 50px 20px 40px; }
.ticket__done.is-on { display: block; animation: stepIn .5s var(--ease-out) both; }

/* ---------- 17. Footer ---------- */
.site-footer { background: var(--pine-900); color: rgba(255,255,255,.62); padding-block: clamp(48px,6vw,76px) 34px; font-size: .92rem; }
.site-footer .logo__name { color: #fff; }
.site-footer .logo__sub { color: var(--glow); }
.foot__grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 40px; }
@media (max-width: 900px) { .foot__grid { grid-template-columns: 1fr 1fr; gap: 34px; } }
@media (max-width: 560px) { .foot__grid { grid-template-columns: 1fr; } }
.foot__blurb { max-width: 34ch; margin-top: 18px; }
.foot h2 { color: #fff; font-size: .78rem; font-family: var(--mono); letter-spacing: .16em; text-transform: uppercase; font-weight: 600; margin-bottom: 16px; }
.foot ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 11px; }
.foot a { color: rgba(255,255,255,.66); text-decoration: none; }
.foot a:hover { color: var(--glow); text-decoration: underline; }
.foot__legal {
    margin-top: 46px; padding-top: 26px; border-top: 1px solid var(--line-dark);
    font-size: .78rem; line-height: 1.7; color: rgba(255,255,255,.5);
}
.foot__legal p { margin-bottom: .9em; }
.foot__bar { display: flex; flex-wrap: wrap; gap: 8px 22px; align-items: center; justify-content: space-between; margin-top: 20px; }
.foot__bar ul { display: flex; flex-wrap: wrap; gap: 8px 20px; }

/* ---------- 18. Scroll reveal ---------- */
[data-reveal] { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
[data-reveal].is-in { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: .08s; }
[data-reveal][data-delay="2"] { transition-delay: .16s; }
[data-reveal][data-delay="3"] { transition-delay: .24s; }
[data-reveal][data-delay="4"] { transition-delay: .32s; }

/* ---------- 19. Page hero (interior pages) ---------- */
.phero {
    background: linear-gradient(150deg, var(--pine), var(--kelly-900));
    color: rgba(255,255,255,.78); padding-block: clamp(56px,7vw,92px); position: relative; overflow: hidden;
}
.phero h1 { color: #fff; }
.phero::after {
    content: ""; position: absolute; width: 620px; height: 620px; right: -180px; top: -280px; border-radius: 50%;
    background: radial-gradient(circle, rgba(20,196,106,.26), transparent 66%);
}
.phero__in { position: relative; z-index: 1; max-width: 62ch; }
.crumbs { font-family: var(--mono); font-size: .74rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 18px; color: rgba(255,255,255,.6); }
.crumbs a { color: var(--glow); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

/* ---------- 20. Legal / prose pages ---------- */
.prose h2 { margin-top: 2em; font-size: clamp(1.4rem,2.4vw,1.85rem); }
.prose h3 { margin-top: 1.6em; }
.prose ul { padding-left: 1.3em; }
.prose li { margin-bottom: .5em; }
.prose table {
    width: 100%; table-layout: fixed;   /* fixed = no runaway columns on phones */
    border-collapse: collapse; margin-bottom: 1.5em; font-size: .94rem;
}
.prose th, .prose td {
    border: 1px solid var(--line); padding: 11px 13px;
    text-align: left; vertical-align: top;
    overflow-wrap: anywhere;            /* long strings break instead of pushing */
}
.prose th { background: var(--mist); color: var(--ink); font-weight: 800; }

/* ---------- 21. Reduced motion ---------- */
/* ---------- 19. Small-screen refinements ----------
   Everything below 620px. Kept at the end of the file on purpose so these
   rules win the cascade without needing extra specificity. */

@media (max-width: 620px) {
    /* Top bar: the trust line may wrap to two lines, the phone may not. */
    .topbar { font-size: .78rem; }
    .topbar__in { gap: 12px; min-height: 40px; padding-block: 6px; }
    .topbar__msg { line-height: 1.35; }

    /* Rate finder: reclaim horizontal room inside the card. */
    .rail { padding-inline: 18px; gap: 4px; }
    .rail li { font-size: .56rem; letter-spacing: .06em; }
    .finder__head { padding-inline: 18px; }
    .finder__body { padding-inline: 18px; }

    /* Section rhythm tightens up so the page is not endless on a phone. */
    .sec { padding-block: clamp(48px, 11vw, 72px); }
}

@media (max-width: 430px) {
    /* Two chips per row stop fitting; let them stack cleanly. */
    .pills .chip-btn { flex: 1 1 100%; }

    /* The hero trust chips get their own line rather than half-hanging. */
    .hero__chips li { font-size: .82rem; padding: 8px 13px; }

    /* Year grid: 4 columns become cramped tap targets under 430px. */
    .yeargrid { grid-template-columns: repeat(3, 1fr); gap: 6px; max-height: 240px; }
}

@media (max-width: 400px) {
    /* Below this the trust line and the phone cannot share a row legibly. */
    .topbar__msg { display: none; }
    .topbar__in { justify-content: center; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
        scroll-behavior: auto !important;
    }
    [data-reveal] { opacity: 1 !important; transform: none !important; }
    .btn:hover, .card:hover, .chip-btn:hover, .topic:hover { transform: none !important; }
}