/* ==========================================================================
   Barstoni Insurance Agency Limited - Marine Cargo Insurance
   Editorial layout with Barstoni navy/red/gold.
   Display: Newsreader (marine/editorial serif). UI: Inter.
   ========================================================================== */

:root {
  /* Barstoni brand */
  --navy: #005f8a;
  --navy-mid: #004a6d;
  --navy-deep: #013049;
  --navy-soft: #0a6d9c;
  --red: #c8102e;
  --red-dark: #a30d26;
  --gold: #d4af37;
  --gold-pale: #ecd88f;
  --gold-deep: #8a6f14;         /* accessible gold for text on light */

  --ink: #16202e;
  --ink-soft: #4b5563;
  --muted: #6b7681;
  --paper: #ffffff;
  --off: #f4f7f9;
  --line: #e3e9ee;

  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 14px 40px rgba(1, 48, 73, 0.14);
  --shadow-sm: 0 2px 10px rgba(1, 48, 73, 0.08);
  --font-display: 'Newsreader', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --header-h: 84px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }
main { flex: 1; }
::selection { background: rgba(0, 95, 138, 0.16); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

.container { width: min(1180px, 92%); margin-inline: auto; }
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--gold); color: var(--navy-deep); padding: .6rem 1.2rem;
  font-weight: 600; text-decoration: none;
}
.skip-link:focus { left: 0; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ------- Typography ------- */
h1, h2, h3, .display {
  font-family: var(--font-display);
  font-weight: 600; line-height: 1.14; color: var(--navy-deep);
  text-wrap: balance; letter-spacing: -.015em;
}
h1 { font-size: clamp(2.4rem, 5.2vw, 3.9rem); }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.7rem); }
h3 { font-size: clamp(1.3rem, 2.3vw, 1.75rem); }
h4 { font-family: var(--font-body); font-weight: 600; font-size: 1.05rem; color: var(--navy); }
p { margin-bottom: 1rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  font-family: var(--font-body); font-size: .78rem; font-weight: 600;
  letter-spacing: .22em; text-transform: uppercase; color: var(--gold-deep);
  margin-bottom: 1rem;
}
/* Barstoni signature: gold rule + small red dot */
.eyebrow::before {
  content: ""; width: 2rem; height: 2px; flex: 0 0 auto;
  background: linear-gradient(90deg, var(--gold) 68%, var(--red) 68%);
}

/* ------- Buttons ------- */
.btn {
  display: inline-block; padding: .95rem 2.1rem;
  font-family: var(--font-body); font-size: .82rem; font-weight: 600;
  letter-spacing: .16em; text-transform: uppercase; text-decoration: none;
  border: 2px solid transparent; border-radius: 4px; cursor: pointer;
  transition: background-color .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), transform .2s var(--ease), box-shadow .25s var(--ease);
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); box-shadow: 0 8px 22px rgba(212,175,55,.32); }
.btn-gold:hover { background: var(--gold-pale); border-color: var(--gold-pale); }
.btn-red { background: var(--red); color: #fff; border-color: var(--red); box-shadow: 0 8px 22px rgba(200,16,46,.28); }
.btn-red:hover { background: var(--red-dark); border-color: var(--red-dark); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-mid); border-color: var(--navy-mid); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.75); }
.btn-outline-light:hover { background: #fff; color: var(--navy-deep); border-color: #fff; }
.btn-lg { padding: 1.1rem 2.6rem; font-size: .9rem; }
.btn-sm { padding: .6rem 1.3rem; font-size: .72rem; }
.btn-grey { background: #eaeef1; color: var(--ink); border-color: #eaeef1; }
.btn-grey:hover { background: #dee4e9; border-color: #dee4e9; }
.btn-primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); }

/* ------- Utility top bar ------- */
.topbar { background: var(--navy-deep); color: rgba(255,255,255,.82); font-size: .8rem; }
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .5rem 0; flex-wrap: wrap;
}
.topbar-tagline { font-style: italic; letter-spacing: .02em; }
.topbar-links { display: flex; flex-wrap: wrap; gap: 1.1rem; }
.topbar-links a { color: rgba(255,255,255,.82); text-decoration: none; transition: color .2s; }
.topbar-links a:hover { color: var(--gold-pale); }

/* ------- Header ------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(212,175,55,.28);
  transition: box-shadow .25s;
}
.site-header.shrunk { box-shadow: 0 8px 26px rgba(1,48,73,.35); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: var(--header-h); gap: 1rem; }
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; }
.brand picture, .footer-brand picture { display: inline-flex; line-height: 0; }
.brand img { height: 52px; width: auto; background: #fff; border-radius: 8px; padding: 5px 9px; transition: height .25s; }
.site-header.shrunk .brand img { height: 44px; }
.brand-name { color: #fff; line-height: 1.05; }
.brand-name b { display: block; font-family: var(--font-display); font-size: 1.28rem; font-weight: 700; letter-spacing: .01em; }
.brand-name span { display: block; font-size: .62rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold-pale); }

.site-nav ul { display: flex; align-items: center; gap: 1.6rem; list-style: none; }
.site-nav > ul > li > a {
  color: rgba(255,255,255,.9); text-decoration: none; font-size: .92rem; font-weight: 500;
  letter-spacing: .05em; padding: .4rem 0; border-bottom: 2px solid transparent;
  white-space: nowrap; transition: color .2s, border-color .2s;
}
.site-nav > ul > li > a:hover { color: var(--gold-pale); }
.site-nav a.active { color: var(--gold-pale); font-weight: 600; border-bottom-color: var(--gold); }
.nav-cta a.btn { border-bottom: 0 !important; padding: .7rem 1.5rem; }

/* nav dropdown (Products) */
.nav-dd { position: relative; }
.nav-dd-btn {
  background: none; border: 0; color: rgba(255,255,255,.9); font-family: inherit;
  font-size: .92rem; font-weight: 500; letter-spacing: .05em; cursor: pointer;
  display: inline-flex; align-items: center; gap: .35rem; padding: .4rem 0;
}
.nav-dd-btn:hover, .nav-dd:hover .nav-dd-btn { color: var(--gold-pale); }
.nav-dd-btn svg { width: 13px; height: 13px; fill: currentColor; transition: transform .2s; }
.nav-dd:hover .nav-dd-btn svg { transform: rotate(180deg); }
.nav-dd-menu {
  position: absolute; left: 50%; transform: translateX(-50%) translateY(8px);
  top: 100%; min-width: 280px; padding: .5rem; margin-top: .4rem;
  background: #fff; border-radius: var(--radius-sm); box-shadow: var(--shadow);
  opacity: 0; visibility: hidden; transition: opacity .2s, visibility .2s, transform .2s; z-index: 120;
}
.nav-dd:hover .nav-dd-menu, .nav-dd:focus-within .nav-dd-menu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav-dd-menu a {
  display: block; padding: .7rem .9rem; border-radius: 6px; color: var(--navy);
  text-decoration: none; font-size: .9rem; transition: background-color .15s;
}
.nav-dd-menu a:hover { background: var(--off); color: var(--navy-deep); }

/* Language switcher */
.lang-switch { position: relative; }
.lang-dd summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; gap: .35rem;
  padding: .35rem .7rem; border: 1px solid rgba(212,175,55,.45); border-radius: 6px;
  color: rgba(255,255,255,.9); font-size: .8rem; letter-spacing: .04em; user-select: none;
}
.lang-dd summary::-webkit-details-marker { display: none; }
.lang-dd summary:hover { color: var(--gold-pale); border-color: var(--gold); }
.lang-dd summary svg { width: 15px; height: 15px; fill: var(--gold); flex: 0 0 15px; }
.lang-dd summary .chev { width: 13px; height: 13px; fill: rgba(255,255,255,.6); transition: transform .2s; }
.lang-dd[open] summary .chev { transform: rotate(180deg); }
.lang-dd ul {
  position: absolute; right: 0; top: calc(100% + .5rem); z-index: 130; display: block;
  min-width: 9rem; list-style: none; padding: .4rem; margin: 0;
  background: var(--navy-mid); border: 1px solid rgba(212,175,55,.45);
  border-radius: 8px; box-shadow: 0 14px 34px rgba(1,20,36,.5);
}
.lang-dd ul a { display: block; padding: .5rem .8rem; border-radius: 5px; font-size: .88rem; color: rgba(255,255,255,.85); text-decoration: none; }
.lang-dd ul a:hover { background: rgba(255,255,255,.08); color: var(--gold-pale); }
.lang-dd ul a.active { background: var(--gold); color: var(--navy-deep); font-weight: 600; }

.nav-toggle { display: none; background: none; border: 0; cursor: pointer; width: 44px; height: 44px; position: relative; z-index: 110; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--gold-pale); margin: 6px auto; transition: transform .3s, opacity .3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ------- Hero ------- */
.hero { position: relative; min-height: min(90vh, 800px); display: flex; align-items: center; background: var(--navy-deep); overflow: hidden; }
.hero-media, .hero-media picture, .hero-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 40%; }
/* Lighter, dual scrim: readable on the left, cargo image stays visible on the right */
.hero-media::after {
  content: ""; position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(1,32,52,.86) 0%, rgba(1,32,52,.55) 38%, rgba(1,32,52,.18) 70%, rgba(1,32,52,.05) 100%),
    linear-gradient(180deg, rgba(1,32,52,.32) 0%, rgba(1,32,52,0) 30%, rgba(1,32,52,.30) 100%);
}
.hero-media::before {
  content: ""; position: absolute; z-index: 1; left: 0; top: 0; bottom: 0; width: 6px;
  background: linear-gradient(180deg, var(--gold), var(--red)); opacity: .9;
}
.hero-inner { position: relative; z-index: 2; padding: 7rem 0 6rem; max-width: 780px; }
.hero h1, .hero p { text-shadow: 0 2px 18px rgba(1,20,36,.45); }
.hero .eyebrow { color: var(--gold-pale); }
.hero .eyebrow::before { background: var(--gold-pale); }
.hero h1 { color: #fff; margin-bottom: 1.4rem; }
.hero h1 em { font-style: italic; color: var(--gold-pale); }
.hero p { color: rgba(255,255,255,.88); font-size: clamp(1.05rem, 1.6vw, 1.3rem); max-width: 42rem; margin-bottom: 2.2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.4rem; margin-top: 2.4rem; padding-top: 1.6rem; border-top: 1px solid rgba(255,255,255,.16); }
.hero-trust span { display: inline-flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.82); font-size: .82rem; letter-spacing: .04em; }
.hero-trust svg { width: 17px; height: 17px; color: var(--gold-pale); }
.hero-scroll { position: absolute; bottom: 1.8rem; left: 50%; transform: translateX(-50%); z-index: 2; color: rgba(255,255,255,.7); font-size: .72rem; letter-spacing: .3em; text-transform: uppercase; text-decoration: none; display: flex; flex-direction: column; align-items: center; gap: .5rem; }
.hero-scroll::after { content: ""; width: 1px; height: 28px; background: rgba(255,255,255,.4); animation: cue 1.8s var(--ease) infinite; }
@keyframes cue { 0%,100% { opacity: .3; transform: scaleY(.6); } 50% { opacity: 1; transform: scaleY(1); } }

/* ------- Page hero (sub pages) ------- */
.page-hero { position: relative; background: var(--navy-deep); color: #fff; padding: clamp(3.5rem, 8vw, 6rem) 0 clamp(3rem, 6vw, 4.5rem); overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, var(--navy-deep), var(--navy)); opacity: .96; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero .eyebrow { color: var(--gold-pale); }
.page-hero .eyebrow::before { background: var(--gold-pale); }
.page-hero h1 { color: #fff; margin-bottom: .6rem; }
.page-hero p { color: rgba(255,255,255,.84); font-size: 1.12rem; max-width: 46rem; margin-bottom: 0; }
.page-hero .crumbs { font-size: .82rem; letter-spacing: .04em; color: rgba(255,255,255,.7); margin-bottom: 1rem; }
.page-hero .crumbs a { color: rgba(255,255,255,.7); text-decoration: none; }
.page-hero .crumbs a:hover { color: var(--gold-pale); }

/* ------- Sections ------- */
.section { padding: clamp(3.5rem, 8vw, 6.5rem) 0; }
.section-off { background: var(--off); }
.section-navy { background: var(--navy-deep); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: #fff; }
.section-navy p { color: rgba(255,255,255,.85); }
.section-navy .eyebrow { color: var(--gold-pale); }
.section-navy .eyebrow::before { background: var(--gold-pale); }
.section-head { max-width: 52rem; margin-bottom: clamp(2.2rem, 5vw, 3.4rem); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head h2 { margin-bottom: 1rem; }
.section-head p { color: var(--ink-soft); font-size: 1.1rem; }
.section-navy .section-head p { color: rgba(255,255,255,.82); }

/* two-column split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.split-media { position: relative; }
.split-media img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; object-fit: cover; }
.split-media::before { content: ""; position: absolute; inset: 1.4rem -1.4rem -1.4rem 1.4rem; border: 2px solid var(--gold); border-radius: var(--radius); z-index: -1; }
.split-body .btn { margin-top: 1.4rem; }
.prose p { color: var(--ink-soft); }
.prose strong { color: var(--ink); }
.prose ul, .prose ol { padding-left: 1.3rem; margin-bottom: 1rem; color: var(--ink-soft); }
.prose li { margin-bottom: .5rem; }
.lead { font-size: 1.15rem; color: var(--ink-soft); }

/* ------- Stats band ------- */
.stats-band { background: var(--navy); padding: clamp(2.6rem, 6vw, 3.6rem) 0; border-top: 1px solid rgba(212,175,55,.25); border-bottom: 1px solid rgba(212,175,55,.25); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
.stat .stat-n { font-family: var(--font-display); font-size: clamp(2.4rem, 4.5vw, 3.4rem); color: var(--gold-pale); font-weight: 700; line-height: 1; }
.stat p { color: rgba(255,255,255,.82); font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin: .5rem 0 0; }

/* ------- Cards ------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.8rem; }
.card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.feature-card {
  position: relative; overflow: hidden;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 2rem 1.8rem; display: flex; flex-direction: column;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
}
.feature-card::before {
  content: ""; position: absolute; left: 0; top: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--red));
  transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease);
}
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: rgba(212,175,55,.5); }
.feature-card:hover::before { transform: scaleX(1); }
.feature-card .fc-icon {
  width: 54px; height: 54px; border-radius: 12px; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-deep)); color: var(--gold-pale); margin-bottom: 1.2rem;
}
.feature-card .fc-icon svg { width: 26px; height: 26px; }
.feature-card h3 { font-size: 1.4rem; margin-bottom: .5rem; }
.feature-card p { color: var(--ink-soft); font-size: .98rem; margin-bottom: 1rem; }
.feature-card .fc-link { margin-top: auto; font-family: var(--font-body); font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); text-decoration: none; display: inline-flex; align-items: center; gap: .5rem; }
.feature-card .fc-link:hover { color: var(--red); }
.feature-card .fc-link::after { content: "\2192"; transition: transform .2s; }
.feature-card:hover .fc-link::after { transform: translateX(4px); }

/* how it works steps */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.6rem; counter-reset: step; }
.step-card { position: relative; padding: 2.2rem 1.4rem 1.6rem; background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); }
.step-card .step-n { position: absolute; top: -1.1rem; left: 1.4rem; width: 2.4rem; height: 2.4rem; border-radius: 50%; background: var(--gold); color: var(--navy-deep); font-family: var(--font-display); font-weight: 700; font-size: 1.3rem; display: flex; align-items: center; justify-content: center; }
.step-card h4 { color: #fff; margin-bottom: .4rem; font-size: 1.05rem; }
.step-card p { color: rgba(255,255,255,.78); font-size: .92rem; margin: 0; }

/* ------- Regulatory notice (elevated) ------- */
.notice-band { background: linear-gradient(120deg, #fbecee, #fff); }
.notice { display: grid; grid-template-columns: auto 1fr; gap: 1.6rem; background: #fff; border: 1px solid var(--line); border-left: 5px solid var(--red); border-radius: var(--radius); padding: clamp(1.6rem, 4vw, 2.6rem); box-shadow: var(--shadow-sm); }
.notice-icon { width: 56px; height: 56px; border-radius: 14px; background: var(--red); color: #fff; display: flex; align-items: center; justify-content: center; }
.notice-icon svg { width: 30px; height: 30px; }
.notice h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: .6rem; }
.notice p { color: var(--ink-soft); }
.notice ul { list-style: none; display: grid; gap: .6rem; margin-top: 1rem; }
.notice li { position: relative; padding-left: 1.6rem; color: var(--ink-soft); }
.notice li::before { content: ""; position: absolute; left: 0; top: .55em; width: 7px; height: 7px; border-radius: 50%; background: var(--red); }

/* ------- CTA band ------- */
.cta-band { position: relative; background: var(--navy-deep); color: #fff; text-align: center; padding: clamp(3.5rem, 7vw, 5.5rem) 0; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(900px 400px at 50% -10%, rgba(212,175,55,.16), transparent 60%); }
.cta-band .container { position: relative; z-index: 2; }
.cta-band h2 { color: #fff; margin-bottom: .8rem; }
.cta-band p { color: rgba(255,255,255,.85); max-width: 40rem; margin: 0 auto 2rem; font-size: 1.1rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ------- Partners ------- */
.partners-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1.2rem; align-items: center; }
.partner { display: flex; align-items: center; justify-content: center; padding: 1rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); transition: transform .25s, box-shadow .25s; }
.partner:hover { transform: translateY(-3px); box-shadow: var(--shadow-sm); }
.partner img { max-height: 56px; width: auto; object-fit: contain; filter: grayscale(1); opacity: .7; transition: filter .25s, opacity .25s; }
.partner:hover img { filter: grayscale(0); opacity: 1; }

/* ------- Cards / panels (generic, used by sub-pages) ------- */
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.4rem, 3vw, 2rem); box-shadow: var(--shadow-sm); }
.card + .card { margin-top: 1.6rem; }
.card-title { font-family: var(--font-display); font-size: 1.6rem; font-weight: 600; color: var(--navy-deep); border-bottom: 1px solid var(--line); padding-bottom: .7rem; margin-bottom: 1.1rem; }
.card-title-flex { display: flex; align-items: center; gap: .8rem; border-bottom: 0; padding-bottom: 0; }
.card-title-flex .icon { color: var(--red); width: 40px; height: 40px; padding: 8px; background: #fbecee; border-radius: 10px; }
.info-box { background: linear-gradient(180deg, #eef6fa, #fff); border: 1px solid #d6e7f0; border-radius: var(--radius); padding: clamp(1.4rem, 3vw, 2rem); }
.info-box h2 { font-size: 1.3rem; color: var(--navy-deep); margin-bottom: .6rem; }
.tile { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; background: #fff; transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.tile:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); }
.tile .icon { color: var(--red); background: #fbecee; width: 46px; height: 46px; padding: 10px; border-radius: 11px; margin-bottom: .9rem; }
.tile h3 { font-size: 1.25rem; margin-bottom: .4rem; display: flex; align-items: center; gap: .5rem; }
.tile p { color: var(--ink-soft); font-size: .96rem; margin: 0; }
.icon { width: 24px; height: 24px; flex-shrink: 0; } .icon-sm { width: 16px; height: 16px; } .icon-lg { width: 28px; height: 28px; }

.grid { display: grid; gap: 1.6rem; }
@media (min-width: 640px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }

/* ------- Forms ------- */
.field { margin-bottom: 1.1rem; }
.field label { display: block; font-size: .85rem; font-weight: 600; color: var(--navy); margin-bottom: .4rem; }
.field .req { color: var(--red); }
.field .hint, .field .help { font-size: .78rem; color: var(--muted); font-weight: 400; }
.input, .select, .textarea {
  width: 100%; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: .8rem .95rem; font-size: 1rem; font-family: inherit; background: #fff; color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,95,138,.15); }
.textarea { resize: vertical; }
.btn-row { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.2rem; }
.alert { border-radius: var(--radius-sm); padding: .9rem 1.1rem; font-size: .95rem; margin-bottom: 1.2rem; }
.alert-success { background: #e9f7ef; border: 1px solid #bfe6cf; color: #10603a; }
.alert-error { background: #fdecee; border: 1px solid #f3c2c9; color: #8f1024; }
.quote-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.quote-table td { padding: .7rem .3rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.quote-table td:first-child { font-weight: 600; width: 52%; color: var(--navy); }
.quote-table td:last-child { text-align: right; font-variant-numeric: tabular-nums; }
.quote-table tr.sub td:first-child { font-weight: 400; color: var(--ink-soft); padding-left: 1rem; }
.quote-table tr.sub td:last-child { font-weight: 500; color: var(--ink-soft); }
.quote-table .total { color: var(--red); font-weight: 800; font-size: 1.15rem; border-top: 2px solid var(--navy-deep); }
.estimate-note { font-size: .82rem; color: var(--muted); margin: .9rem 0 1.1rem; line-height: 1.5; }
.print-only { display: none; }

/* contact items */
.contact-item { display: flex; gap: 1rem; margin-bottom: 1.4rem; }
.contact-item .icon { color: var(--red); background: #fbecee; width: 44px; height: 44px; padding: 10px; border-radius: 11px; }
.contact-item .ci-title { font-weight: 600; color: var(--navy); }
.contact-item p { color: var(--ink-soft); margin: 0; font-size: .96rem; }
.contact-item .ci-closed { color: var(--red); font-weight: 600; }

/* risk categories */
.filters { display: flex; flex-direction: column; gap: .7rem; margin-bottom: 1.6rem; }
.filters .search-wrap, .filters .filter-wrap { position: relative; flex: 1; }
.filters .search-wrap .icon, .filters .filter-wrap .icon { position: absolute; left: .8rem; top: 50%; transform: translateY(-50%); width: 17px; height: 17px; color: var(--muted); pointer-events: none; }
.filters .input, .filters .select { padding-left: 2.5rem; }
@media (min-width: 640px) { .filters { flex-direction: row; align-items: center; } .filters .filter-wrap { flex: 0 0 260px; } }
.risk-cat { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 1.2rem; overflow: hidden; box-shadow: var(--shadow-sm); }
.risk-cat-head { display: flex; flex-direction: column; gap: .6rem; background: linear-gradient(180deg, #eef6fa, #fff); border-bottom: 1px solid var(--line); padding: 1rem 1.3rem; }
.risk-cat-head h2 { font-family: var(--font-body); font-size: 1.1rem; font-weight: 600; color: var(--navy); }
.risk-cat ul { list-style: none; }
.risk-cat li { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; padding: .8rem 1.3rem; font-size: .95rem; border-bottom: 1px solid var(--off); }
.risk-cat li:hover { background: #eef6fa; }
.risk-cat li:last-child { border-bottom: 0; }
.risk-cat li a.quote-link { flex-shrink: 0; color: var(--navy); font-size: .82rem; font-weight: 600; }
.risk-cat li a.quote-link:hover { color: var(--red); }
@media (min-width: 640px) { .risk-cat-head { flex-direction: row; align-items: center; justify-content: space-between; } }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item:last-of-type { border-bottom: 0; }
.faq-item summary { cursor: pointer; font-size: 1.1rem; font-weight: 500; color: var(--navy-deep); font-family: var(--font-display); padding: 1.1rem .2rem; list-style: none; position: relative; padding-right: 2.2rem; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; position: absolute; right: .2rem; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; display: inline-flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--red); background: #fbecee; border-radius: 8px; font-family: var(--font-body); }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { color: var(--ink-soft); padding: 0 .2rem 1.1rem; margin: 0; }

.hidden { display: none !important; }
.no-results { color: var(--muted); font-style: italic; }

/* legacy page-band -> styled like page-hero for any pages still using it */
.page-band { background: linear-gradient(120deg, var(--navy-deep), var(--navy)); color: #fff; padding: clamp(3rem,7vw,4.5rem) 0 clamp(2.4rem,5vw,3.4rem); }
.page-band .crumbs { font-size: .82rem; opacity: .8; margin-bottom: .6rem; }
.page-band .crumbs a { color: #fff; text-decoration: none; }
.page-band h1 { color: #fff; }
.band-slim { background: linear-gradient(120deg, var(--navy-deep), var(--navy)); color: #fff; }
.band-slim .container { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .9rem 0; }
.band-slim a { color: #fff; text-decoration: none; font-weight: 500; }
.band-slim a:hover { color: var(--gold-pale); }
.band-slim span { opacity: .82; }
.section-white { background: #fff; }
.section-grey { background: var(--off); }
.section-title { font-family: var(--font-display); color: var(--navy-deep); }

/* ------- Footer ------- */
.footer { background: var(--navy-deep); color: rgba(255,255,255,.72); margin-top: auto; }
.footer-main { padding: clamp(3rem, 6vw, 4.5rem) 0 2.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 2.5rem; }
.footer-brand img { height: 58px; width: auto; background: #fff; border-radius: 10px; padding: 7px 12px; margin-bottom: 1rem; }
.footer-brand img.footer-logo-full { height: auto; width: 290px; max-width: 100%; padding: 12px 16px; }
.footer-brand p { font-size: .92rem; color: rgba(255,255,255,.7); max-width: 20rem; }
.footer h4 { color: #fff; font-family: var(--font-body); font-size: .82rem; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-col a { display: block; color: rgba(255,255,255,.72); text-decoration: none; font-size: .95rem; padding: .3rem 0; transition: color .2s; }
.footer-col a:hover { color: var(--gold-pale); }
.footer-contact li { list-style: none; display: flex; gap: .6rem; margin-bottom: .7rem; font-size: .92rem; color: rgba(255,255,255,.72); }
.footer-contact svg { width: 17px; height: 17px; fill: var(--gold); flex-shrink: 0; margin-top: 2px; }
.footer-bottom { border-top: 1px solid rgba(212,175,55,.28); padding: 1.3rem 0; }
.footer-bottom-inner { display: flex; flex-wrap: wrap; gap: .6rem 2rem; justify-content: space-between; align-items: center; font-size: .85rem; color: rgba(255,255,255,.55); }
.footer-cards { display: flex; gap: .5rem; }
.card-badge { background: #fff; font-weight: 700; font-size: .68rem; padding: .3rem .6rem; border-radius: 5px; }
.card-visa { color: var(--navy); } .card-mc { color: var(--red); } .card-mpesa { color: #0f7a3d; }
.footer-ira { display: block; margin-top: .3rem; opacity: .8; }

/* floating helpers */
.wa-chat { position: fixed; bottom: 1.4rem; right: 1.4rem; z-index: 90; width: 54px; height: 54px; border-radius: 50%; background: #1faa53; color: #fff; display: flex; align-items: center; justify-content: center; box-shadow: 0 8px 22px rgba(31,170,83,.45); transition: transform .2s; }
.wa-chat:hover { transform: translateY(-3px) scale(1.05); }
.wa-chat svg { width: 28px; height: 28px; }

/* reveal on scroll */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; } .reveal.d2 { transition-delay: .16s; } .reveal.d3 { transition-delay: .24s; }

/* Google Translate suppression + legacy lang-inline */
.goog-te-banner-frame, .skiptranslate iframe { display: none !important; }
body { top: 0 !important; }
#goog-gt-tt, .goog-te-balloon-frame { display: none !important; }
font { background: transparent !important; box-shadow: none !important; }
.gt-hidden { position: absolute; left: -9999px; top: -9999px; }
.lang-inline { display: none; }
.lang-switcher { display: none; }

/* ==================== Responsive ==================== */
@media (max-width: 1040px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem 1.4rem; }
}
@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .site-nav { position: fixed; inset: 0; background: var(--navy-deep); flex-direction: column; align-items: center; justify-content: center; opacity: 0; visibility: hidden; transition: opacity .3s, visibility .3s; z-index: 105; overflow-y: auto; }
  .site-nav.open { opacity: 1; visibility: visible; }
  .site-nav > ul { flex-direction: column; gap: 1.3rem; text-align: center; padding: 5rem 1.5rem; }
  .site-nav > ul > li > a, .nav-dd-btn { font-size: 1.2rem; }
  .nav-dd-menu { position: static; transform: none; opacity: 1; visibility: visible; box-shadow: none; background: rgba(255,255,255,.06); margin-top: .6rem; min-width: 240px; }
  .nav-dd-menu a { color: rgba(255,255,255,.85); text-align: center; }
  .nav-dd-menu a:hover { background: rgba(255,255,255,.1); color: var(--gold-pale); }
  .lang-dd summary { justify-content: center; }
  .lang-dd ul { position: static; margin: .5rem auto 0; }
  .card-grid, .card-grid.cols-2, .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 1.6rem; }
  .split { grid-template-columns: 1fr; gap: 2rem; }
  .split-media::before { display: none; }
  .split-media { order: -1; }
  .hero { min-height: 82vh; }
  .hero-scroll { display: none; }
  .notice { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .topbar-inner { justify-content: center; text-align: center; }
  .topbar-tagline { display: none; }
  .card-grid, .card-grid.cols-2, .steps-grid, .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 1.8rem; }
  .hero-actions .btn, .cta-actions .btn { width: 100%; text-align: center; }
  .brand-name b { font-size: 1.1rem; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: .01ms !important; }
}