/* ==========================================================================
   SeAAS — Settling-as-a-Service landing page
   Plain CSS3. No preprocessor, no framework, no build step.
   Requires css/borderplus-tokens.css to be loaded first.
   ========================================================================== */

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
body, h1, h2, h3, h4, p, ul, ol, li, figure { margin: 0; padding: 0; }
ul, ol { list-style: none; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.55;
  color: var(--text-body);
  background: var(--bp-white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.is-locked { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: var(--text-link); text-decoration: none; }

h1, h2, h3 { color: var(--text-primary); font-weight: var(--fw-medium); line-height: 1.12; text-wrap: balance; }
h1 { font-size: clamp(38px, 5.4vw, 64px); letter-spacing: -0.02em; }
h2 { font-size: clamp(28px, 3.4vw, 40px); letter-spacing: -0.015em; }
h3 { font-size: 19px; }

.wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.section { padding: clamp(56px, 8vw, 104px) 0; }
.section--tint { background: var(--surface-accent-soft); }
.section--sunken { background: var(--surface-sunken); }
.section-head { max-width: 620px; margin-bottom: clamp(32px, 4vw, 48px); }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { margin-top: 12px; color: var(--text-secondary); font-size: 17px; }
.eyebrow {
  display: inline-block; font-size: 12px; font-weight: var(--fw-semibold);
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-secondary);
}
section[id] { scroll-margin-top: 88px; }

/* ---------- Focus + skip ---------- */
:focus-visible { outline: 2px solid var(--bp-sky); outline-offset: 3px; border-radius: 4px; }
.skip {
  position: absolute; left: 16px; top: -60px; z-index: 400;
  background: var(--bp-navy); color: #fff; padding: 12px 22px;
  border-radius: var(--radius-pill); font-weight: var(--fw-medium);
  transition: top var(--dur-fast) var(--ease-out-soft);
}
.skip:focus { top: 16px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 52px; padding: 14px 30px; border: none; cursor: pointer;
  font-family: inherit; font-size: 16px; font-weight: var(--fw-medium);
  border-radius: var(--radius-pill); white-space: nowrap;
  transition: transform var(--dur-fast) var(--ease-out-soft),
              background var(--dur-fast) ease,
              color var(--dur-fast) ease,
              box-shadow var(--dur-fast) ease;
}
.btn .arrow { transition: transform var(--dur-fast) var(--ease-out-soft); }
.btn:hover .arrow { transform: translateX(4px); }
.btn--primary { background: var(--bp-navy); color: #fff; }
.btn--primary:hover { background: var(--bp-navy-button); box-shadow: var(--shadow-lift); transform: translateY(-1px); }
.btn--light { background: #fff; color: var(--bp-navy); }
.btn--light:hover { box-shadow: var(--shadow-lift); transform: translateY(-1px); }
.btn--ghost { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.5); }
.btn--ghost:hover { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.8); }
.btn--outline { background: transparent; color: var(--bp-navy); border: 1.5px solid var(--bp-sky); }
.btn--outline:hover { background: var(--bp-sky-tint); }
.btn:active { transform: scale(0.98); }
.btn--block { width: 100%; }

/* Underline-on-hover link, WTE-style */
.ulink { position: relative; font-weight: var(--fw-medium); }
.ulink::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -3px; height: 1.5px;
  background: currentColor; transform: scaleX(0); transform-origin: right center;
  transition: transform var(--dur-fast) var(--ease-out-soft);
}
.ulink:hover::after { transform: scaleX(1); transform-origin: left center; }

/* ---------- Reveal (WTE motion vocabulary) ---------- */
.reveal { opacity: 0; transform: translateY(18px) scale(0.985); filter: blur(4px); }
.reveal.is-in { animation: reveal var(--dur-reveal) var(--ease-out-soft) forwards; }
@keyframes reveal { to { opacity: 1; transform: none; filter: blur(0); } }
.d1 { animation-delay: .05s } .d2 { animation-delay: .18s }
.d3 { animation-delay: .31s } .d4 { animation-delay: .44s } .d5 { animation-delay: .57s }

/* Sibling cascade: children reveal in DOM order, ~110ms apart. Applied to
   groups where the individual items each carry .reveal (four cards, steps,
   quotes, etc). Keeps the group in view feeling like one motion. */
.four .reveal:nth-child(1),
.steps .reveal:nth-child(1),
.quotes .reveal:nth-child(1) { animation-delay: 0s; }
.four .reveal:nth-child(2),
.steps .reveal:nth-child(2),
.quotes .reveal:nth-child(2) { animation-delay: .11s; }
.four .reveal:nth-child(3),
.steps .reveal:nth-child(3),
.quotes .reveal:nth-child(3) { animation-delay: .22s; }
.four .reveal:nth-child(4),
.steps .reveal:nth-child(4),
.quotes .reveal:nth-child(4) { animation-delay: .33s; }

/* ---------- Header ---------- */
.hdr {
  position: fixed; inset: 0 0 auto 0; z-index: 200; padding: 14px 0;
  transition: background var(--dur-mid) var(--ease-out-soft),
              box-shadow var(--dur-mid) ease, padding var(--dur-mid) var(--ease-out-soft);
}
.hdr__in { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.hdr__logo { height: 30px; width: auto; }
.hdr__in > a { display: inline-flex; align-items: center; min-height: 44px; }
.hdr__logo--light { filter: brightness(0) invert(1); }
.hdr__right { display: flex; align-items: center; gap: 22px; }
.hdr__link { color: #fff; font-size: 15px; }
.hdr.is-stuck { background: rgba(255,255,255,0.93); backdrop-filter: blur(14px); box-shadow: 0 1px 0 var(--border-hairline); padding: 10px 0; }
.hdr.is-stuck .hdr__logo--light { filter: none; }
.hdr.is-stuck .hdr__link { color: var(--bp-navy); }
.hdr .btn { min-height: 44px; padding: 10px 22px; font-size: 15px; }
.hdr__cta { background: rgba(255,255,255,0.16); color: #fff; border: 1.5px solid rgba(255,255,255,0.55); backdrop-filter: blur(6px); }
.hdr__cta:hover { background: rgba(255,255,255,0.26); }
.hdr.is-stuck .hdr__cta { background: var(--bp-navy); color: #fff; border-color: var(--bp-navy); }

/* ---------- Hero ---------- */
.hero { position: relative; min-height: min(92vh, 860px); display: flex; align-items: flex-end; overflow: hidden; }
.hero__media { position: absolute; inset: 0; overflow: hidden; }
.hero__media img, .hero__media picture { width: 100%; height: 100%; display: block; }
.hero__media img { object-fit: cover; object-position: center 52%; transform: scale(1.06); animation: heroDrift 18s var(--ease-standard) forwards; }
@keyframes heroDrift { to { transform: scale(1); } }
.hero__scrim {
  position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(18,22,64,0.66) 0%, rgba(18,22,64,0.30) 48%, rgba(18,22,64,0.16) 100%),
    linear-gradient(180deg, rgba(18,22,64,0.34) 0%, rgba(18,22,64,0.06) 42%, rgba(18,22,64,0.62) 100%);
}
.hero__in { position: relative; z-index: 2; width: 100%; padding-bottom: clamp(44px, 6vw, 88px); padding-top: 140px; }
.hero__badge {
  display: inline-flex; align-items: center; gap: 8px; padding: 7px 16px;
  border-radius: var(--radius-pill); background: rgba(255,255,255,0.16);
  backdrop-filter: blur(8px); color: #fff; font-size: 12px;
  font-weight: var(--fw-semibold); letter-spacing: 0.09em; text-transform: uppercase;
}
.hero h1 { color: #fff; margin-top: 22px; max-width: 15ch; }
.hero__sub { margin-top: 18px; max-width: 46ch; color: rgba(255,255,255,0.88); font-size: clamp(17px, 1.6vw, 20px); }
.hero__cta { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero__note { margin-top: 18px; color: rgba(255,255,255,0.7); font-size: 14px; }

/* Trust bar under the hero */
.trust { border-bottom: 1px solid var(--border-hairline); background: var(--bp-white); }
/* Three tiles, equal weight, separated by short hairlines. Not a grid trying
   to be a card row — a composed strip that reads as one line at desktop and
   as a properly stacked list on mobile. */
.trust__row {
  display: grid; grid-template-columns: repeat(3, 1fr);
  padding-top: 22px; padding-bottom: 22px; gap: 0;
}
.trust__it {
  display: flex; align-items: center; gap: 14px;
  padding: 6px 26px; position: relative;
}
.trust__it + .trust__it::before {
  content: ""; position: absolute; left: 0; top: 10%; bottom: 10%; width: 1px;
  background: var(--border-hairline);
}
.trust__ico {
  flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 10px;
  background: var(--bp-sky-tint); color: var(--bp-navy);
}
.trust__ico img { width: 18px; height: 18px; }
.trust__v { font-size: 14px; line-height: 1.4; color: var(--text-secondary); }
.trust__v strong { color: var(--text-primary); font-weight: var(--fw-medium); }

/* ---------- The first four ---------- */
.four { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.four__item {
  position: relative; overflow: hidden;
  background: var(--surface-card); border: 1px solid var(--border-hairline);
  border-radius: var(--radius-lg); padding: 24px 22px 22px;
  transition: transform var(--dur-mid) var(--ease-out-soft), box-shadow var(--dur-mid) ease, border-color var(--dur-mid) ease;
}
.four__item:hover { transform: translateY(-3px); box-shadow: var(--shadow-lift); border-color: var(--bp-sky); }
/* The hover state deepens the badge tint. It does NOT recolour the icon — a
   filled Ionicon becomes invisible on a navy background, which is what caused
   the "weird dark colour" flash before. */
.four__item:hover .four__ico { background: var(--bp-sky); }
.four__item:hover .four__ico img { filter: brightness(0) invert(1); }
.four__ico {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--bp-sky-tint); color: var(--bp-navy); margin-bottom: 14px;
  transition: background var(--dur-mid) var(--ease-out-soft);
}
.four__ico img { width: 22px; height: 22px; transition: filter var(--dur-mid) ease; }

/* Hover reveal: a fuller description slides in from the bottom on desktop.
   Absolutely positioned inside the card so it slides IN over the base copy,
   not below it. Kept as a plain block on mobile because there is no hover. */
.four__more {
  display: block; font-size: 14px; line-height: 1.5;
  color: var(--text-body); margin-top: 12px;
}
@media (hover: hover) {
  .four__more {
    position: absolute; inset: auto 0 0 0; padding: 24px 22px 22px;
    background: linear-gradient(180deg, rgba(255,255,255,0.55) 0%, var(--bp-white) 30%);
    color: var(--text-body); font-size: 13.5px; line-height: 1.5;
    transform: translateY(101%);
    transition: transform var(--dur-mid) var(--ease-out-soft);
  }
  .four__item:hover .four__more,
  .four__item:focus-within .four__more { transform: translateY(0); }
}
.four__n {
  position: absolute; top: 22px; right: 22px;
  width: 22px; height: 22px; border-radius: var(--radius-pill);
  background: var(--surface-sunken); color: var(--text-secondary);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: var(--fw-semibold);
}
.four__item h3 { font-size: 17px; }
.four__item p { font-size: 14px; color: var(--text-secondary); margin-top: 4px; }

/* ---------- Family band ---------- */
.fam {
  display: grid; grid-template-columns: 1.35fr 0.65fr; gap: clamp(24px, 4vw, 56px);
  align-items: center; background: var(--bp-grad-teal-1);
  border-radius: var(--radius-sheet); padding: clamp(32px, 4vw, 56px);
}
.fam h2 { max-width: 18ch; }
.fam__lead { margin-top: 14px; font-size: 17px; }
.fam__list { margin-top: 22px; display: grid; gap: 10px; }
.fam__list li { display: flex; gap: 10px; font-size: 15px; }
.fam__list img { width: 17px; margin-top: 4px; flex-shrink: 0; }
.fam__art img { width: 100%; max-width: 220px; margin-left: auto; }
.fam .btn { margin-top: 26px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(20px, 3vw, 36px); }
.step__n { font-size: 15px; font-weight: var(--fw-semibold); color: var(--bp-sky); letter-spacing: 0.08em; }
.step h3 { margin-top: 10px; font-size: 18px; }
.step p { margin-top: 6px; color: var(--text-secondary); font-size: 15px; }

/* ---------- Split (ours / partner) ---------- */
.split { display: grid; grid-template-columns: repeat(2, 1fr); gap: clamp(28px, 4vw, 56px); background: var(--surface-card); border-radius: var(--radius-sheet); padding: clamp(28px, 4vw, 52px); box-shadow: var(--shadow-card); }
.split h3 { margin-bottom: 18px; }
.split ul { display: grid; gap: 12px; }
.split li { display: flex; gap: 11px; font-size: 15px; }
.split li img { width: 17px; margin-top: 4px; flex-shrink: 0; }
.partners { margin-top: 42px; text-align: center; }
.partners__row { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin: 14px 0 12px; }
.partners__slot { border: 1px dashed var(--border-strong); border-radius: var(--radius-pill); padding: 11px 20px; font-size: 14px; color: var(--text-secondary); background: var(--surface-card); }
.partners__note { font-size: 12px; color: var(--text-secondary); max-width: 520px; margin: 0 auto; }

/* ---------- Money ---------- */
.money { background: var(--bp-navy); border-radius: var(--radius-sheet); padding: clamp(32px, 4.5vw, 60px); color: #fff; }
.money .eyebrow { color: var(--bp-sky); }
.money h2 { color: #fff; margin-top: 12px; max-width: 20ch; }
.money__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: clamp(24px, 3vw, 44px); margin-top: 36px; }
.money h3 { color: #fff; font-size: 17px; margin-bottom: 14px; }
.money ul { display: grid; gap: 11px; }
.money li { position: relative; padding-left: 17px; font-size: 15px; color: rgba(255,255,255,0.82); }
.money li::before { content: ""; position: absolute; left: 0; top: 9px; width: 6px; height: 6px; border-radius: var(--radius-pill); background: var(--bp-sky); }
.money__no li::before { background: rgba(255,255,255,0.32); }
.money strong { color: #fff; font-weight: var(--fw-medium); }
.money__foot { margin-top: 34px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.16); font-size: 14px; color: rgba(255,255,255,0.75); }

/* ---------- Proof ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.quote { background: var(--surface-card); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow-card); }
.quote p { font-style: italic; }
.quote__who { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.quote__av { width: 42px; height: 42px; border-radius: var(--radius-pill); background: var(--border-hairline); flex-shrink: 0; }
.quote__who span { font-size: 14px; color: var(--text-secondary); }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 42px; text-align: center; }
.stats b { display: block; font-size: 32px; font-weight: var(--fw-semibold); color: var(--text-primary); }
.stats span { font-size: 14px; color: var(--text-secondary); }
.press { margin-top: 42px; text-align: center; font-size: 13px; color: var(--text-secondary); }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--border-hairline); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 0; min-height: 44px; font-size: 18px; font-weight: var(--fw-medium); color: var(--text-primary); transition: color var(--dur-fast) ease; }
.faq summary:hover { color: var(--bp-blue); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary img { width: 16px; flex-shrink: 0; transition: transform var(--dur-fast) var(--ease-out-soft); }
.faq details[open] summary img { transform: rotate(180deg); }
.faq__a { padding-bottom: 22px; color: var(--text-secondary); }

/* ---------- Final CTA ---------- */
.final { position: relative; background: var(--bp-navy); overflow: hidden; text-align: center; }
.final__mark { position: absolute; right: -4%; bottom: -22%; height: 150%; opacity: 0.07; pointer-events: none; }
.final__in { position: relative; z-index: 2; max-width: 620px; margin: 0 auto; }
.final h2 { color: #fff; }
.final p { margin-top: 14px; color: rgba(255,255,255,0.8); }
.final .btn { margin-top: 28px; }
.final__fine { margin-top: 18px; font-size: 13px; color: rgba(255,255,255,0.6); }

/* ---------- Footer ---------- */
.foot { background: var(--surface-sunken); padding: 44px 0; font-size: 14px; color: var(--text-secondary); }
.foot__fam { text-align: center; padding-bottom: 26px; margin-bottom: 26px; border-bottom: 1px solid var(--border-hairline); }
.foot__fam strong { color: var(--text-primary); font-weight: var(--fw-medium); }
.foot__emp { text-align: center; margin-bottom: 28px; }
.foot__emp a { display: inline-flex; align-items: center; min-height: 44px; }
.foot__in { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 14px; }
.foot__logo { height: 26px; }
.foot__links { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.foot__links a { display: inline-flex; align-items: center; min-height: 44px; }

/* ---------- Sticky mobile bar ---------- */
.mbar {
  position: fixed; inset: auto 0 0 0; z-index: 190; display: none; gap: 12px;
  padding: 12px 20px calc(12px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,0.96); backdrop-filter: blur(12px);
  box-shadow: var(--shadow-float); transform: translateY(110%);
  transition: transform var(--dur-mid) var(--ease-out-soft);
}
.mbar.is-up { transform: none; }
.mbar .btn { flex: 1; min-height: 48px; padding: 12px 14px; font-size: 15px; }

/* ---------- Modal ---------- */
.modal { position: fixed; inset: 0; z-index: 300; display: flex; align-items: center; justify-content: center; padding: 20px; background: rgba(18,22,64,0.45); opacity: 0; pointer-events: none; transition: opacity var(--dur-fast) ease; }
.modal.is-open { opacity: 1; pointer-events: auto; }
.modal__card { position: relative; width: 100%; max-width: 480px; max-height: 90vh; overflow-y: auto; background: #fff; border-radius: var(--radius-sheet); padding: 34px; box-shadow: var(--shadow-float); transform: translateY(12px) scale(0.98); transition: transform var(--dur-mid) var(--ease-out-soft); }
.modal.is-open .modal__card { transform: none; }
.modal__x { position: absolute; top: 18px; right: 18px; width: 44px; height: 44px; min-height: 44px; border: none; background: none; cursor: pointer; border-radius: var(--radius-pill); }
.modal__x img { width: 22px; margin: 0 auto; }
.modal h2 { font-size: 24px; }
.modal__sub { margin-top: 8px; margin-bottom: 22px; color: var(--text-secondary); font-size: 15px; }
.fld { margin-bottom: 15px; border: none; padding: 0; min-width: 0; }
.fld label, .fld legend { display: block; width: 100%; padding: 0; font-size: 14px; font-weight: var(--fw-medium); margin-bottom: 7px; color: var(--text-primary); }
.fld input, .fld select, .fld textarea {
  width: 100%; padding: 13px 14px; font-family: inherit; font-size: 16px;
  border: 1.5px solid var(--border-hairline); border-radius: var(--radius-sm); background: #fff;
  transition: border-color var(--dur-fast) ease, box-shadow var(--dur-fast) ease;
}
.fld input:focus, .fld select:focus, .fld textarea:focus { outline: none; border-color: var(--bp-sky); box-shadow: 0 0 0 3px rgba(66,200,244,0.18); }
.fld.has-err > input, .fld.has-err > select { border-color: var(--bp-error); }

/* ---------- Pill radio groups ----------
   Replaces native <select> for every closed-list question in the form. A
   native select's open state is the browser's own unstyled OS popup — no
   CSS reaches it, so it breaks the brand the moment it opens. A group of
   real (visually hidden) radios behind styled labels never opens a native
   popup at all, so there is nothing to break, and it keeps full native
   keyboard/screen-reader/mobile behaviour for free. */
.opts { display: flex; flex-wrap: wrap; gap: 8px; }
.fld label.opt { position: relative; display: inline-block; width: auto; margin: 0; }
.opt input {
  position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.opt span {
  display: inline-flex; align-items: center;
  min-height: 44px; padding: 6px 14px;
  border: 1.5px solid var(--border-hairline); border-radius: var(--radius-pill);
  font-size: 13.5px; font-weight: var(--fw-medium); color: var(--text-body);
  background: var(--surface-card); cursor: pointer; user-select: none;
  transition: border-color var(--dur-fast) ease, background var(--dur-fast) ease,
              color var(--dur-fast) ease, transform var(--dur-fast) var(--ease-out-soft);
}
.opt:hover span { border-color: var(--bp-sky); }
.opt input:checked + span {
  border-color: var(--bp-navy); background: var(--bp-navy); color: #fff;
}
.opt input:focus-visible + span { outline: 2px solid var(--bp-sky); outline-offset: 2px; }
.opt__ck {
  width: 0; margin-right: 0; opacity: 0; flex-shrink: 0;
  filter: brightness(0) invert(1);
  transition: width var(--dur-fast) var(--ease-out-soft), margin var(--dur-fast) var(--ease-out-soft), opacity var(--dur-fast) ease;
}
.opt input:checked + span .opt__ck { width: 13px; margin-right: 6px; opacity: 1; }
.fld.has-err .opts .opt span { border-color: var(--bp-error); }

/* "Something else" free-text reveal */
.fld__more { display: none; margin-top: 10px; }
.fld__more.is-shown { display: block; }
.fld__more label { font-size: 13px; color: var(--text-secondary); font-weight: var(--fw-regular); }
.fld__more textarea { resize: vertical; font-size: 14.5px; }
.err { display: none; margin-top: 5px; font-size: 12px; color: var(--bp-error); }
.fld.has-err .err { display: block; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 5px 11px; margin-bottom: 22px; }
.consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--bp-navy); }
.consent label { font-size: 14px; color: var(--text-body); }
.consent .err { grid-column: 2; }
.modal__fine { margin-top: 13px; font-size: 12px; color: var(--text-secondary); text-align: center; }
.done { display: none; text-align: center; padding: 14px 0; }
.done img { width: 60px; margin: 0 auto 16px; }
.done h2 { margin-bottom: 12px; }
.done p { color: var(--text-secondary); }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .quotes, .four { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .fam { grid-template-columns: 1fr; }
  .fam__art img { margin: 0 auto; }
}
@media (max-width: 720px) {
  body { padding-bottom: 84px; }
  .quotes, .four, .steps, .split, .money__grid, .trust__row, .stats { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .hero { min-height: auto; }
  .hero__in { padding-top: 116px; }
  .hero h1 { max-width: none; }
  .mbar { display: flex; }
  .hdr__link { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  .reveal { opacity: 1; transform: none; }
  .hero__media img { transform: none; }
}

/* ==========================================================================
   Scroll patterns borrowed from the reference site's structure:
   a line-by-line story, a sticky side panel, and a slow marquee.
   ========================================================================== */

/* ---------- Hero: two columns + the expectation panel ---------- */
.hero__grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(28px, 4vw, 64px); align-items: start; }
.hero h1 { max-width: 13ch; }

/* Frosted, not solid: the photo reads through it, the way the header CTA does.
   Dark text on translucent white stays legible over both the bright sky and the
   dark rooflines behind it — white text on this would not. */
.expect {
  background: rgba(255, 255, 255, 0.58);
  backdrop-filter: blur(22px) saturate(150%);
  -webkit-backdrop-filter: blur(22px) saturate(150%);
  border: 1px solid rgba(255, 255, 255, 0.65);
  border-radius: 24px; padding: 26px 26px 22px;
  box-shadow: 0 18px 50px rgba(18, 22, 64, 0.18);
}
.expect__hd {
  display: block; font-size: 12px; font-weight: var(--fw-semibold);
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--bp-navy); margin-bottom: 16px;
}
.expect__list { display: grid; gap: 14px; }
.expect__list li { display: grid; grid-template-columns: 62px 1fr; gap: 14px; align-items: start; }
.expect__list li + li { border-top: 1px solid rgba(18,22,64,0.12); padding-top: 14px; }
.expect__when { font-size: 11px; font-weight: var(--fw-semibold); letter-spacing: 0.07em; text-transform: uppercase; color: rgba(18,22,64,0.62); padding-top: 3px; }
.expect__what { font-size: 14.5px; line-height: 1.45; color: var(--bp-navy); font-weight: var(--fw-medium); }
.expect__foot { margin-top: 18px; padding-top: 14px; border-top: 1px solid rgba(18,22,64,0.12); font-size: 13px; color: rgba(18,22,64,0.72); font-weight: var(--fw-medium); }

/* ---------- Story ---------- */
.story { padding-top: clamp(64px, 9vw, 120px); padding-bottom: clamp(64px, 9vw, 120px); }
.story .wrap { max-width: 940px; }
.story__l {
  font-size: clamp(22px, 2.9vw, 34px); line-height: 1.35; letter-spacing: -0.01em;
  font-weight: var(--fw-medium); color: var(--text-primary); text-wrap: pretty;
  opacity: 0; transform: translateY(22px); filter: blur(6px);
  transition: opacity 0.7s var(--ease-out-soft), transform 0.7s var(--ease-out-soft), filter 0.7s var(--ease-out-soft);
}
.story__l + .story__l { margin-top: clamp(40px, 8vh, 96px); }
.story__l.is-in { opacity: 1; transform: none; filter: blur(0); }
.story__l--dim { color: var(--text-secondary); }
.story__l--hi { color: var(--bp-blue); }

/* ---------- Marquee ---------- */
.marquee { padding: 22px 0; border-block: 1px solid var(--border-hairline); background: var(--surface-accent-soft); overflow: hidden; }
.marquee__row { display: flex; width: max-content; animation: marquee 46s linear infinite; }
.marquee__set { display: flex; gap: 44px; padding-right: 44px; }
.marquee__set span {
  font-size: 17px; font-weight: var(--fw-medium); color: var(--text-primary); white-space: nowrap; opacity: 0.55;
}
.marquee__set span::after { content: "·"; margin-left: 44px; color: var(--bp-sky); }
@keyframes marquee { to { transform: translateX(-50%); } }
.marquee:hover .marquee__row { animation-play-state: paused; }

/* ---------- Pinned side panel ---------- */

@media (max-width: 1024px) {
  .hero__grid { grid-template-columns: 1fr; align-items: start; }
  .expect { margin-top: 8px; }
}
@media (max-width: 720px) {
  .expect__list li { grid-template-columns: 56px 1fr; gap: 12px; }
  .marquee__set { gap: 30px; padding-right: 30px; }
  .marquee__set span::after { margin-left: 30px; }
}
@media (prefers-reduced-motion: reduce) {
  .story__l { opacity: 1; transform: none; }
  .marquee__row { animation: none; }
}

/* ==========================================================================
   Master / detail — a list on the left, the detail pinned on the right.
   All panels share one grid area and cross-fade; below 900px the whole thing
   degrades to an accordion (panel drops in under its own trigger).
   ========================================================================== */
/* The list sits in normal flow on the left; the panels are taken out of flow
   and pinned into the right-hand area, all stacked on the same spot. Doing this
   with a grid span inflated the rows and made every trigger 300px tall. */
.mx { position: relative; }

.mx__t {
  display: block; width: 47%; text-align: left; cursor: pointer;
  font-family: inherit; background: none; border: none;
  border-top: 1px solid var(--border-hairline);
  padding: 18px 40px 18px 16px; position: relative; border-radius: var(--radius-md);
  transition: background var(--dur-fast) var(--ease-out-soft), padding-left var(--dur-fast) var(--ease-out-soft);
}
.mx__t:first-of-type { border-top: none; }
.mx__t::before {
  content: ""; position: absolute; left: 0; top: 50%; transform: translateY(-50%) scaleY(0);
  width: 3px; height: 62%; border-radius: 3px; background: var(--bp-sky);
  transition: transform var(--dur-fast) var(--ease-out-soft);
}
.mx__t.is-on { background: var(--surface-accent-soft); padding-left: 20px; }
.mx__t.is-on::before { transform: translateY(-50%) scaleY(1); }
.mx__t h3 { font-size: 18px; transition: color var(--dur-fast) ease; }
.mx__t.is-on h3 { color: var(--bp-blue); }
.mx__t p { margin-top: 4px; font-size: 14px; color: var(--text-secondary); }
.mx__t .mx__go {
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%) translateX(-4px);
  opacity: 0; font-size: 18px; color: var(--bp-blue);
  transition: opacity var(--dur-fast) ease, transform var(--dur-fast) var(--ease-out-soft);
}
.mx__t.is-on .mx__go { opacity: 1; transform: translateY(-50%) translateX(0); }
.mx__tag {
  display: inline-block; margin-bottom: 8px; padding: 4px 11px; border-radius: var(--radius-pill);
  background: var(--bp-sky-tint); color: var(--bp-navy);
  font-size: 10.5px; font-weight: var(--fw-semibold); letter-spacing: 0.08em; text-transform: uppercase;
}
.mx__tag--add { background: var(--bp-grad-teal-1); color: var(--bp-teal-ink); }

.mx__p {
  position: absolute; top: 0; right: 0; width: 50%;
  background: var(--surface-card); border: 1px solid var(--border-hairline);
  border-radius: var(--radius-lg); padding: clamp(22px, 2.4vw, 30px);
  box-shadow: var(--shadow-card);
  opacity: 0; visibility: hidden; pointer-events: none; transform: translateY(8px);
  transition: opacity var(--dur-mid) var(--ease-out-soft), transform var(--dur-mid) var(--ease-out-soft), visibility var(--dur-mid);
}
.mx__p.is-on { opacity: 1; visibility: visible; pointer-events: auto; transform: none; }
.mx__p h4 { font-size: 19px; font-weight: var(--fw-medium); color: var(--text-primary); }
.mx__p .mx__lead { margin-top: 8px; color: var(--text-secondary); font-size: 15px; }
.mx__p ul { margin-top: 16px; display: grid; gap: 10px; }
.mx__p li { display: flex; gap: 10px; font-size: 14.5px; line-height: 1.5; }
.mx__p li img { width: 16px; margin-top: 4px; flex-shrink: 0; }
.mx__foot { margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--border-hairline); }
.mx__price { font-size: 18px; font-weight: var(--fw-medium); color: var(--text-primary); margin-bottom: 12px; }
.mx__fam {
  margin-top: 16px; padding: 14px 16px; border-radius: var(--radius-md);
  background: var(--bp-grad-teal-1); font-size: 14px; display: none;
}
.tl.fam-on .mx__fam { display: block; }
.mx__fam b { display: block; font-size: 11px; font-weight: var(--fw-semibold); letter-spacing: 0.08em; text-transform: uppercase; color: var(--bp-teal-ink); margin-bottom: 5px; }

@media (max-width: 900px) {
  .mx { min-height: 0 !important; }
  /* 38px clears the arrow (right:14px + 18px glyph + buffer) so text wraps
     before it, instead of running underneath. This was the mobile bug where
     the chevron sat on top of the second line of text. */
  .mx__t, .sec__body > .mx .mx__t { width: 100%; border-radius: 0; padding-right: 38px; }
  .mx__t .mx__go { transform: translateY(-50%) rotate(90deg); opacity: 0.5; }
  .mx__t.is-on .mx__go { transform: translateY(-50%) rotate(180deg); opacity: 1; }
  /* Trigger already shows the title + one-line lead; the panel's own copy of
     both is a straight duplicate once it drops in directly underneath. */
  .mx__p > h4, .mx__p > .mx__lead:first-of-type { display: none; }
  .mx__p, .sec__body > .mx .mx__p {
    position: static; width: 100%; opacity: 1; visibility: visible; pointer-events: auto; transform: none;
    display: none; margin: 0 0 8px; box-shadow: none; background: var(--surface-accent-soft); border: none;
  }
  .mx__p.is-on { display: block; }
}

.btn-link { display: inline-flex; align-items: center; min-height: 44px; padding: 0 4px; }

/* ---------- Family switch (sits above the three-year list) ---------- */
.tl__switch { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-bottom: 30px; }
.sw {
  display: inline-flex; align-items: center; gap: 12px; min-height: 44px; padding: 10px 0;
  background: none; border: none; cursor: pointer; font-family: inherit;
}
.sw__track {
  width: 48px; height: 27px; border-radius: var(--radius-pill); background: var(--bp-gray-300);
  position: relative; flex-shrink: 0; transition: background var(--dur-fast) var(--ease-out-soft);
}
.sw__knob {
  position: absolute; top: 3px; left: 3px; width: 21px; height: 21px; border-radius: var(--radius-pill);
  background: #fff; box-shadow: var(--shadow-sm); transition: transform var(--dur-fast) var(--ease-out-soft);
}
.sw[aria-checked="true"] .sw__track { background: var(--bp-blue); }
.sw[aria-checked="true"] .sw__knob { transform: translateX(21px); }
.sw__lbl { font-size: 16px; font-weight: var(--fw-medium); color: var(--text-primary); }
.tl__hint { font-size: 14px; color: var(--text-secondary); }
.tl__cap { margin-top: 28px; font-size: 18px; font-weight: var(--fw-medium); color: var(--text-primary); }
@media (prefers-reduced-motion: reduce) { .sw__knob { transition: none; } }

/* ==========================================================================
   Section shell: the heading freezes on the left and releases when the
   section's content runs out. Content scrolls past it on the right.
   ========================================================================== */
.sec { display: grid; grid-template-columns: minmax(0, 250px) minmax(0, 1fr); column-gap: clamp(28px, 3vw, 48px); align-items: stretch; }
.sec__hd { min-width: 0; }
.sec__hd__in { position: sticky; top: 104px; }
.sec__hd h2 { margin-top: 8px; font-size: clamp(24px, 2.6vw, 31px); }
.sec__hd p { margin-top: 11px; color: var(--text-secondary); font-size: 15px; }
.sec__hd .btn { margin-top: 20px; min-height: 46px; padding: 12px 24px; font-size: 15px; }
.sec__body > .mx .mx__t { width: 47%; }
.sec__body > .mx .mx__p { width: 50%; }
.sec__body > .signpost { margin-top: 28px; text-align: left; }

@media (max-width: 1024px) {
  .sec { grid-template-columns: minmax(0, 210px) minmax(0, 1fr); }
}
@media (max-width: 900px) {
  .sec { grid-template-columns: 1fr; }
  .sec__hd__in { position: static; }
  .sec__hd { margin-bottom: 28px; }
  .sec__body > .signpost { text-align: center; }
}

/* Layouts that need adjusting once they sit inside the narrower body column */
.sec__body > .steps { grid-template-columns: repeat(2, 1fr); row-gap: clamp(24px, 3vw, 36px); }
.sec__body > .split { padding: clamp(24px, 3vw, 38px); gap: clamp(24px, 3vw, 40px); }
.sec__body > .faq { max-width: none; margin: 0; }
.sec__body > .partners { margin-top: 32px; text-align: left; }
.sec__body > .partners .partners__row { justify-content: flex-start; }
.sec__body > .partners .partners__note { margin: 0; }
.sec__body > .tl__cap { margin-top: 28px; }
.sec__hd .tl__switch { margin-bottom: 0; margin-top: 20px; }
.sec__hd .tl__hint { display: block; margin-top: 4px; }
@media (max-width: 720px) {
  .sec__body > .steps, .sec__body > .split { grid-template-columns: 1fr; }
}

/* ---------- Licensed-partner chip (restored) ---------- */
.chip {
  display: inline-flex; align-self: flex-start; padding: 5px 12px;
  border: 1px solid var(--bp-teal); border-radius: var(--radius-pill);
  font-size: 11px; font-weight: var(--fw-semibold); letter-spacing: 0.07em;
  text-transform: uppercase; color: var(--bp-teal-ink); white-space: nowrap;
}
.mx__p .chip { margin-top: 14px; }

/* ==========================================================================
   Mobile master/detail overrides. These live last on purpose: the section-shell
   rules above set desktop widths at the same specificity, so source order is
   what decides. Keep this block at the end of the file.
   ========================================================================== */
@media (max-width: 900px) {
  .mx, .sec__body > .mx { min-height: 0 !important; }
  .mx__t, .sec__body > .mx .mx__t { width: 100%; border-radius: 0; padding-right: 38px; }
  .mx__p, .sec__body > .mx .mx__p {
    position: static; width: 100%; opacity: 1; visibility: visible; pointer-events: auto;
    transform: none; display: none; margin: 0 0 8px;
    box-shadow: none; background: var(--surface-accent-soft); border: none;
  }
  .mx__p.is-on, .sec__body > .mx .mx__p.is-on { display: block; }
}

/* ---------- Hero on narrow screens ----------
   The photo is landscape (900x601) and the mobile hero is very tall, so a plain
   "cover" crops hard into the rooflines. Favour the upper third (sky, tower) and
   deepen the lower scrim so the white panel sits on calm ground, not busy detail. */
@media (max-width: 720px) {
  .hero__media img { object-position: 50% 30%; }
  .hero__scrim {
    background:
      linear-gradient(180deg, rgba(18,22,64,0.42) 0%, rgba(18,22,64,0.22) 26%, rgba(18,22,64,0.72) 62%, rgba(18,22,64,0.88) 100%);
  }
  .expect { padding: 22px 20px 18px; }
}

/* ---------- Story emphasis ----------
   A marker sweep that draws itself as each line arrives. The width animates, so
   it reads as highlighting rather than as a static coloured box. */
.story__l .hl {
  position: relative; color: var(--text-primary); font-weight: var(--fw-medium);
  background-image: linear-gradient(rgba(66, 200, 244, 0.38), rgba(66, 200, 244, 0.38));
  background-repeat: no-repeat;
  background-position: 0 68%;
  background-size: 0% 46%;
  transition: background-size var(--dur-slow) var(--ease-out-soft) 0.25s;
  padding: 0 2px; margin: 0 -2px;
}
/* NEW: the highlight is gated on the line being MARKED as read, not on
   first-appearance. The JS below adds .is-read as each line's centre passes
   65% of the viewport on the way UP the screen, so the reader sees the marker
   draw as they scroll past that specific phrase. Reversible: scroll back up
   and it un-paints, so re-reading feels alive rather than pre-baked. */
.story__l.is-read .hl { background-size: 100% 46%; }
.story__l .hl--hi { background-image: linear-gradient(rgba(51,135,245,0.22), rgba(51,135,245,0.22)); color: var(--bp-blue); }

.story__l .mark {
  font-style: normal; color: var(--text-primary); font-weight: var(--fw-medium);
  background-image: linear-gradient(currentColor, currentColor);
  background-repeat: no-repeat;
  background-position: 0 100%;
  background-size: 0% 2px;
  transition: background-size var(--dur-slow) var(--ease-out-soft) 0.2s;
  color: var(--bp-teal);
}
.story__l.is-read .mark { background-size: 100% 2px; color: var(--text-primary); }

@media (prefers-reduced-motion: reduce) {
  .story__l .hl,
  .story__l .mark { transition: none; background-size: 100% 46%; }
}


/* ==========================================================================
   Mobile "aha" — the master/detail triggers reveal one at a time as they
   scroll into view. On desktop they're already inside a sec__body block that
   reveals as a whole; on mobile they're stacked, so each row gets its own
   entrance. Applied via JS by adding .mx__t--r (reveal-ready) below 900px.
   ========================================================================== */
@media (max-width: 900px) {
  .mx__t--r { opacity: 0; transform: translateY(18px) scale(0.985); filter: blur(4px); }
  .mx__t--r.is-in {
    animation: reveal var(--dur-reveal) var(--ease-out-soft) forwards;
  }
}


/* ---------- Trust bar on mobile ---------- */
@media (max-width: 900px) {
  .trust__row { padding-top: 16px; padding-bottom: 16px; }
  .trust__it { padding: 12px 4px; }
  .trust__it + .trust__it::before {
    left: 4px; right: 4px; top: 0; bottom: auto; width: auto; height: 1px;
  }
}