@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=Inter:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400&family=Space+Grotesk:wght@400;500;600;700&display=swap');

/* ─── RESET ─────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
button{cursor:pointer;background:none;border:none;font:inherit;color:inherit}

/* ─── TOKENS ─────────────────────────────────────────────────── */
:root{
  --bg:#F0F4FA;
  --surface:#FFFFFF;
  --surface-2:#E6ECF7;
  --surface-3:#D8E2F2;
  --blue:#1648D4;
  --blue-dk:#0F35B0;
  --blue-lt:#3A6EE8;
  --blue-bg:#EBF0FF;
  --gold:#E09B2A;
  --gold-lt:#F0B040;
  --gold-dk:#B47A10;
  --gold-bg:#FEF8E8;
  --navy:#071428;
  --navy-2:#112247;
  /* semantic text */
  --white:#071428;       /* primary text */
  --off-white:#1C2E48;   /* secondary text */
  --muted:#52698A;       /* tertiary — AA (4.7:1+) on every light surface */
  --border:rgba(7,20,40,0.08);
  --border-2:rgba(7,20,40,0.15);
  /* text on navy/dark surfaces — all AA verified against #071428 */
  --on-dark:rgba(255,255,255,0.92);
  --on-dark-2:rgba(255,255,255,0.72);
  --on-dark-3:rgba(255,255,255,0.58);
  --ff-display:'Playfair Display',serif;
  --ff-body:'Inter',sans-serif;
  --ff-data:'Space Grotesk',sans-serif;
  --transition:0.35s cubic-bezier(0.16,1,0.3,1);
  --shadow-sm:0 2px 12px rgba(11,24,41,0.06);
  --shadow:0 4px 28px rgba(11,24,41,0.09);
  --shadow-lg:0 16px 56px rgba(11,24,41,0.14);
  --focus:#1648D4;
  --focus-dark:#A9C6FF;
}

/* ─── FOCUS & SKIP LINK (keyboard accessibility) ─────────────── */
:focus-visible{
  outline:2px solid var(--focus);
  outline-offset:3px;
  border-radius:4px;
}
/* on dark surfaces the blue ring disappears — use the light tint */
.hero :focus-visible,
.cta-band :focus-visible,
.section--navy :focus-visible,
.footer :focus-visible,
.announce-bar :focus-visible,
.partner-band :focus-visible,
.prosfora-trust :focus-visible,
.nav:not(.scrolled) :focus-visible{
  outline-color:var(--focus-dark);
}
.skip-link{
  position:fixed;
  top:0;left:50%;
  transform:translate(-50%,-120%);
  z-index:99998;
  background:var(--navy);
  color:#fff;
  font-family:var(--ff-data);
  font-size:0.82rem;
  font-weight:600;
  padding:0.85rem 1.5rem;
  border-radius:0 0 8px 8px;
  box-shadow:var(--shadow-lg);
  transition:transform 0.25s cubic-bezier(0.16,1,0.3,1);
}
.skip-link:focus{transform:translate(-50%,0);}

/* ─── BASE ───────────────────────────────────────────────────── */
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  background:var(--bg);
  color:var(--off-white);
  font-family:var(--ff-body);
  font-size:1rem;
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

/* ─── ANNOUNCE BAR (stays dark for premium contrast) ────────── */
.announce-bar{
  position:fixed;
  top:0;left:0;right:0;
  z-index:200;
  background:linear-gradient(90deg,#071428,#0F2260);
  border-bottom:1px solid rgba(255,255,255,0.06);
  padding:0.55rem 2rem;
  text-align:center;
  font-family:var(--ff-data);
  font-size:0.7rem;
  letter-spacing:0.04em;
  color:var(--on-dark-3);
  display:flex;
  align-items:center;
  justify-content:center;
  gap:0.75rem;
  height:36px;
}
.announce-bar strong{color:var(--gold-lt);flex-shrink:0;}
.announce-bar a{
  color:#7BBDE8;
  transition:color 0.2s;
  flex-shrink:0;
  font-weight:600;
  white-space:nowrap;
}
.announce-bar a:hover{color:#fff;}
.announce-bar.hidden{display:none;}
.announce-text{
  overflow:hidden;
  text-overflow:ellipsis;
  white-space:nowrap;
}
.announce-text b{color:rgba(255,255,255,0.9);font-weight:600;}
/* The code is something the visitor must literally type — set it apart. */
.announce-code{
  font-family:var(--ff-data);
  font-weight:700;
  font-size:0.68rem;
  letter-spacing:0.1em;
  color:var(--gold-lt);
  background:rgba(224,155,42,0.14);
  border:1px solid rgba(224,155,42,0.32);
  border-radius:4px;
  padding:0.1rem 0.45rem;
  white-space:nowrap;
}

/* ─── NAVIGATION (light) ─────────────────────────────────────── */
.nav{
  position:fixed;
  top:36px;left:0;right:0;
  z-index:100;
  display:flex;
  align-items:center;
  gap:0.25rem;
  padding:0 2.5rem;
  height:64px;
  background:rgba(247,249,252,0);
  backdrop-filter:blur(0px);
  border-bottom:1px solid transparent;
  transition:background 0.4s,border-color 0.4s,backdrop-filter 0.4s,top 0.3s,box-shadow 0.3s;
}
.nav.no-announce{top:0;}
.nav.scrolled{
  background:rgba(255,255,255,0.96);
  backdrop-filter:blur(20px);
  -webkit-backdrop-filter:blur(20px);
  border-bottom-color:var(--border);
  box-shadow:0 1px 24px rgba(11,24,41,0.07);
}
.nav-logo-link{flex-shrink:0;margin-right:auto;position:relative;display:block;width:160px;height:44px;}
.nav-logo-img{position:absolute;top:50%;left:0;transform:translateY(-50%);height:44px;width:160px;object-fit:contain;object-position:left center;transition:opacity 0.3s;}
.nav-logo-white{position:absolute;top:50%;left:0;transform:translateY(-50%);height:44px;width:160px;object-fit:contain;object-position:left center;transition:opacity 0.3s;}
/* transparent nav: show white logo, hide dark logo */
.nav:not(.scrolled) .nav-logo-img{opacity:0;}
.nav:not(.scrolled) .nav-logo-white{opacity:1;}
/* scrolled nav: show dark logo, hide white logo */
.nav.scrolled .nav-logo-img{opacity:1;}
.nav.scrolled .nav-logo-white{opacity:0;}
.nav-logo-link:hover .nav-logo-img,.nav-logo-link:hover .nav-logo-white{opacity:0.75;}
.nav-links{
  display:flex;
  align-items:center;
  gap:0;
}
/* CTA duplicate that only exists inside the collapsed mobile menu */
.nav-cta-li{display:none;}
.nav-links a{
  display:flex;
  align-items:center;
  min-height:40px;
  font-family:var(--ff-data);
  font-size:0.8rem;
  font-weight:500;
  letter-spacing:0.01em;
  color:var(--on-dark-2);
  padding:0.5rem 0.85rem;
  border-radius:6px;
  transition:color var(--transition),background var(--transition);
  white-space:nowrap;
}
.nav-links a:hover{
  color:#fff;
  background:rgba(255,255,255,0.1);
}
.nav-links a[aria-current="page"]{color:#fff;font-weight:600;}
/* scrolled: revert to dark text */
.nav.scrolled .nav-links a{color:var(--muted);}
.nav.scrolled .nav-links a:hover{color:var(--navy);background:rgba(11,24,41,0.05);}
.nav.scrolled .nav-links a[aria-current="page"]{color:var(--navy);}
.nav-cta{
  margin-left:1rem;
  flex-shrink:0;
  display:inline-flex;
  align-items:center;
  min-height:40px;
  font-family:var(--ff-data);
  font-size:0.79rem;
  font-weight:700;
  padding:0.55rem 1.35rem;
  background:var(--blue);
  color:#fff;
  border-radius:6px;
  letter-spacing:0.02em;
  transition:background var(--transition),transform 0.15s,box-shadow 0.2s;
  white-space:nowrap;
}
.nav-cta:hover{background:var(--blue-dk);transform:translateY(-1px);box-shadow:0 4px 20px rgba(22,72,212,0.35);}
.nav-hamburger{
  display:none;
  flex-direction:column;
  justify-content:center;
  align-items:center;
  gap:5px;
  width:44px;height:44px;
  margin-left:0.5rem;
  border-radius:6px;
}
.nav-hamburger span{
  display:block;width:20px;height:2px;
  background:var(--navy);
  border-radius:2px;
  transition:transform 0.3s,opacity 0.3s,background 0.3s;
}
/* over the transparent nav the bars sit on a dark photo — invert them */
.nav:not(.scrolled) .nav-hamburger span{background:#fff;}
.nav-hamburger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-hamburger.is-open span:nth-child(2){opacity:0;}
.nav-hamburger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

/* ─── HERO (HOME) ────────────────────────────────────────────── */
.hero{
  position:relative;
  min-height:100vh;
  display:grid;
  grid-template-columns:1fr 1fr;
  align-items:center;
  padding:10rem 3rem 5rem;
  gap:5rem;
  overflow:hidden;
}
.hero-bg{
  position:absolute;
  inset:0;
  background-image:url('img_hero.webp');
  background-size:cover;
  background-position:center 40%;
  z-index:0;
}
.hero-bg::after{
  content:'';
  position:absolute;
  inset:0;
  background:
    linear-gradient(105deg, rgba(7,20,40,0.78) 0%, rgba(7,20,40,0.55) 55%, rgba(7,20,40,0.35) 100%),
    linear-gradient(to bottom, rgba(7,20,40,0.15) 0%, rgba(7,20,40,0.0) 40%);
}
.hero-ray{
  position:absolute;
  top:-20%;left:-10%;
  width:45%;height:140%;
  background:linear-gradient(105deg,transparent 35%,rgba(184,137,42,0.04) 50%,transparent 65%);
  transform:skewX(-12deg);
  animation:lightSweep 18s cubic-bezier(0.4,0,0.6,1) infinite;
  pointer-events:none;
  z-index:0;
}
@keyframes lightSweep{
  0%{transform:translateX(0%) skewX(-12deg);opacity:0}
  8%{opacity:1}
  44%{transform:translateX(420%) skewX(-12deg);opacity:1}
  50%{transform:translateX(420%) skewX(-12deg);opacity:0}
  100%{transform:translateX(0%) skewX(-12deg);opacity:0}
}
.hero-content{
  position:relative;
  z-index:1;
  max-width:640px;
}
.hero-eyebrow{
  font-family:var(--ff-data);
  font-size:0.66rem;
  letter-spacing:0.22em;
  text-transform:uppercase;
  color:rgba(255,255,255,0.7);
  margin-bottom:1.5rem;
  font-weight:600;
  display:flex;
  align-items:center;
  gap:0.75rem;
}
.hero-eyebrow::before{content:'';display:inline-block;width:20px;height:1px;background:rgba(255,255,255,0.5);}
.hero-headline{
  font-family:var(--ff-display);
  font-size:clamp(3.2rem,6.5vw,6rem);
  font-weight:700;
  line-height:1.02;
  letter-spacing:-0.015em;
  color:#ffffff;
  margin-bottom:1.5rem;
}
.hero-headline em{font-style:italic;color:#93B8FF;}
.hero-body{
  font-size:1.05rem;
  color:var(--on-dark-2);
  max-width:520px;
  line-height:1.85;
  margin-bottom:2.25rem;
}

/* Hero inline stats */
.hero-stats-row{
  display:flex;
  align-items:center;
  gap:2.5rem;
  padding:1.25rem 0;
  border-top:1px solid rgba(255,255,255,0.15);
  border-bottom:1px solid rgba(255,255,255,0.15);
  margin-bottom:2.5rem;
  flex-wrap:wrap;
}
.hero-stat{display:flex;flex-direction:column;gap:0.15rem;}
.hero-stat-num{
  font-family:var(--ff-data);
  font-weight:700;
  font-size:1.05rem;
  color:#ffffff;
  letter-spacing:-0.02em;
}
.hero-stat-lbl{font-size:0.68rem;color:var(--on-dark-3);letter-spacing:0.05em;text-transform:uppercase;}
.hero-stat-sep{width:1px;height:28px;background:rgba(255,255,255,0.2);}

/* Two-track selector */
.hero-tracks{
  display:flex;
  gap:1px;
  background:rgba(255,255,255,0.18);
  max-width:620px;
  border-radius:10px;
  overflow:hidden;
}
.track-card{
  flex:1;
  min-width:0;
  background:rgba(255,255,255,0.1);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,0.18);
  padding:1.15rem 1.25rem;
  text-decoration:none;
  color:inherit;
  display:flex;
  align-items:center;
  gap:1rem;
  transition:background var(--transition),border-color var(--transition),box-shadow var(--transition);
  border-bottom:2px solid transparent;
}
.track-card:hover{
  background:rgba(255,255,255,0.18);
  border-bottom-color:#93B8FF;
}
.track-card-icon{width:26px;height:26px;color:#93B8FF;flex-shrink:0;}
.track-card-label{font-family:var(--ff-data);font-weight:700;font-size:0.88rem;color:#fff;margin-bottom:0.15rem;}
.track-card-sub{font-size:0.74rem;color:var(--on-dark-3);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
.track-card-arrow{margin-left:auto;color:#93B8FF;font-size:1rem;transition:transform 0.2s;flex-shrink:0;}
.track-card:hover .track-card-arrow{transform:translateX(4px);}

/* Hero right panel */
.hero-panel{
  position:relative;
  z-index:1;
  display:flex;
  flex-direction:column;
  gap:1.25rem;
}
.hero-trust-card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
  padding:2rem 2rem 1.75rem;
  box-shadow:var(--shadow);
  position:relative;
  overflow:hidden;
}
.hero-trust-card::before{
  content:'';
  position:absolute;
  top:0;left:0;right:0;
  height:3px;
  background:linear-gradient(90deg,var(--blue),var(--blue-lt));
}
.htc-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:1.5rem;}
.htc-badge{
  font-family:var(--ff-data);
  font-size:0.65rem;
  font-weight:600;
  letter-spacing:0.1em;
  text-transform:uppercase;
  background:var(--gold-bg);
  color:var(--gold-dk);
  padding:0.35rem 0.7rem;
  border-radius:4px;
  border:1px solid rgba(184,137,42,0.2);
}
.htc-coverages{display:grid;grid-template-columns:1fr 1fr;gap:0.75rem;margin-bottom:1.5rem;}
.htc-cov{
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:8px;
  padding:0.9rem 1rem;
  display:flex;
  align-items:center;
  gap:0.6rem;
  font-family:var(--ff-data);
  font-size:0.75rem;
  font-weight:500;
  color:var(--off-white);
  transition:background var(--transition),border-color var(--transition);
}
.htc-cov:hover{background:var(--surface-2);border-color:var(--border-2);}
.htc-cov-icon{width:18px;height:18px;color:var(--blue);flex-shrink:0;}
.htc-divider{height:1px;background:var(--border);margin-bottom:1.25rem;}
.htc-footer{display:flex;align-items:center;justify-content:space-between;}
.htc-companies{font-family:var(--ff-data);font-size:0.7rem;color:var(--muted);}
.htc-companies strong{color:var(--navy);font-weight:700;}
.htc-cta{
  font-family:var(--ff-data);
  font-size:0.75rem;
  font-weight:700;
  color:#fff;
  background:var(--blue);
  border:1px solid var(--blue);
  padding:0.5rem 1rem;
  border-radius:6px;
  transition:background var(--transition),box-shadow 0.2s;
}
.htc-cta:hover{background:var(--blue-dk);box-shadow:0 4px 16px rgba(22,72,212,0.3);}

/* Mini stat strip below trust card */
.hero-mini-stats{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:var(--border);
  border:1px solid var(--border);
  border-radius:10px;
  overflow:hidden;
}
.hms-item{
  background:var(--surface);
  padding:1.25rem 1.25rem;
  text-align:center;
}
.hms-num{font-family:var(--ff-display);font-size:1.85rem;font-weight:700;color:var(--navy);line-height:1;letter-spacing:-0.02em;}
.hms-lbl{font-family:var(--ff-data);font-size:0.62rem;color:var(--muted);letter-spacing:0.06em;text-transform:uppercase;margin-top:0.35rem;}

/* ─── TICKER / MARQUEE ───────────────────────────────────────── */
.ticker-wrap{
  overflow:hidden;
  background:var(--surface);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:1rem 0;
}
.ticker-track{display:flex;gap:2.5rem;width:max-content;animation:ticker 35s linear infinite;align-items:center;}
.ticker-wrap:hover .ticker-track{animation-play-state:paused;}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.ticker-item{display:flex;align-items:center;gap:0.5rem;font-family:var(--ff-data);font-size:0.68rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--muted);white-space:nowrap;text-decoration:none;transition:color 0.2s;}
.ticker-item:hover{color:var(--navy);}
.ticker-dot{width:3px;height:3px;background:var(--gold);border-radius:50%;flex-shrink:0;}

/* ─── SECTION STRUCTURE ──────────────────────────────────────── */
.section{padding:7rem 3rem;}
.section--alt{background:var(--surface);}
.section--dark{background:var(--bg);}
.section--navy{
  background:var(--navy);
  position:relative;
}
.section--navy .eyebrow{color:#7BBDE8;}
.section--navy .section-title{color:#EEF3FF;}
.section--navy .section-title em{color:var(--gold-lt);}
.section--navy .section-lead{color:var(--on-dark-2);}
.section-inner{max-width:1300px;margin:0 auto;}
.eyebrow{
  font-family:var(--ff-data);
  font-size:0.62rem;
  letter-spacing:0.22em;
  text-transform:uppercase;
  color:var(--blue);
  margin-bottom:0.9rem;
  font-weight:600;
  display:flex;
  align-items:center;
  gap:0.6rem;
}
.eyebrow::before{content:'';display:inline-block;width:16px;height:1px;background:currentColor;}
.section-title{
  font-family:var(--ff-display);
  font-size:clamp(2.2rem,4vw,3.5rem);
  font-weight:700;
  color:var(--navy);
  line-height:1.06;
  letter-spacing:-0.015em;
  margin-bottom:1rem;
}
.section-title em{font-style:italic;color:var(--blue);}
.section-lead{font-size:1rem;color:var(--off-white);max-width:560px;line-height:1.85;margin-bottom:2.5rem;}

/* ─── COVERAGE MATRIX ────────────────────────────────────────── */
.cov-matrix{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  border:1px solid var(--border);
  border-radius:12px;
  overflow:hidden;
  margin-top:3rem;
  box-shadow:var(--shadow-sm);
}
.cov-cell{
  background:var(--surface);
  padding:2rem 1.75rem;
  text-decoration:none;
  color:inherit;
  display:flex;
  flex-direction:column;
  gap:0.4rem;
  transition:background var(--transition),box-shadow var(--transition);
  position:relative;
  overflow:hidden;
  border-right:1px solid var(--border);
  border-bottom:1px solid var(--border);
}
.cov-cell:nth-child(4n){border-right:none;}
.cov-cell:nth-last-child(-n+4){border-bottom:none;}
.cov-cell::after{content:'';position:absolute;bottom:0;left:0;width:0;height:3px;background:linear-gradient(90deg,var(--blue),var(--blue-lt));transition:width 0.4s ease;}
.cov-cell:hover{background:var(--bg);}
.cov-cell:hover::after{width:100%;}
.cov-cell-icon{width:32px;height:32px;color:var(--blue);margin-bottom:0.75rem;}
.cov-cell-label{font-size:0.6rem;font-family:var(--ff-data);letter-spacing:0.14em;text-transform:uppercase;color:var(--muted);margin-bottom:0.1rem;}
.cov-cell-title{font-family:var(--ff-display);font-size:1.2rem;font-weight:600;color:var(--navy);margin-bottom:0.35rem;}
.cov-cell-desc{font-size:0.83rem;color:var(--muted);line-height:1.6;}
.cov-cell-arrow{font-size:0.84rem;color:var(--blue);margin-top:auto;padding-top:0.9rem;opacity:0;transform:translateX(-6px);transition:opacity 0.3s,transform 0.3s;}
.cov-cell:hover .cov-cell-arrow{opacity:1;transform:translateX(0);}

/* Terminal cell: the "see everything" escape hatch, deliberately quieter */
.cov-cell--all{
  justify-content:center;
  align-items:center;
  text-align:center;
  background:var(--surface-2);
}
.cov-cell--all:hover{background:var(--surface-3);}
.cov-cell-all-icon{width:30px;height:30px;color:var(--blue);margin-bottom:0.85rem;transition:transform 0.45s cubic-bezier(.34,1.56,.64,1);}
.cov-cell--all:hover .cov-cell-all-icon{transform:rotate(90deg);}
.cov-cell-all-title{font-family:var(--ff-data);font-weight:700;font-size:0.94rem;color:var(--navy);}
.cov-cell-all-sub{font-size:0.81rem;color:var(--muted);margin-top:0.4rem;}

/* ─── BUSINESS TEASER ────────────────────────────────────────── */
.biz-teaser{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center;}
.biz-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:1px;
  background:var(--border);
  border:1px solid var(--border);
  border-radius:12px;
  overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.biz-item{
  background:var(--surface);
  padding:1.75rem 1.5rem;
  text-decoration:none;
  color:inherit;
  display:flex;
  flex-direction:column;
  gap:0.45rem;
  transition:background var(--transition);
  position:relative;overflow:hidden;
}
.biz-item:hover{background:var(--bg);}
.biz-item-icon{width:26px;height:26px;color:var(--blue);margin-bottom:0.4rem;}
.biz-item-title{font-family:var(--ff-data);font-weight:700;font-size:0.9rem;color:var(--navy);}
.biz-item-desc{font-size:0.81rem;color:var(--muted);line-height:1.55;}
.biz-view-all{margin-top:1.75rem;display:inline-flex;align-items:center;gap:0.5rem;font-family:var(--ff-data);font-size:0.82rem;font-weight:600;color:var(--blue);transition:color 0.2s;}
.biz-view-all:hover{color:var(--navy);}

/* ─── WHY SECTION ────────────────────────────────────────────── */
.why-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  border:1px solid var(--border);
  border-radius:12px;
  overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.why-item{
  padding:2.5rem 2rem;
  border-right:1px solid var(--border);
  background:var(--surface);
  transition:background var(--transition),box-shadow var(--transition);
}
.why-item:last-child{border-right:none;}
.why-item:hover{background:var(--bg);}
.why-item-num{font-family:var(--ff-display);font-size:3rem;font-weight:700;color:rgba(11,24,41,0.04);line-height:1;margin-bottom:1.25rem;user-select:none;}
.why-item-icon{width:28px;height:28px;color:var(--blue);margin-bottom:0.9rem;}
.why-item-title{font-family:var(--ff-data);font-weight:700;font-size:0.94rem;color:var(--navy);margin-bottom:0.6rem;}
.why-item-desc{font-size:0.84rem;color:var(--muted);line-height:1.7;}

/* ─── ANIMATED STATS (dark section) ─────────────────────────── */
.big-stats{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:1px;background:rgba(255,255,255,0.08);
  border:1px solid rgba(255,255,255,0.08);
  border-radius:12px;overflow:hidden;
}
.big-stat-box{
  background:rgba(255,255,255,0.03);
  padding:3rem 2.5rem;
  text-align:center;
  transition:background 0.3s;
}
.big-stat-box:hover{background:rgba(255,255,255,0.06);}
.big-stat-num{
  font-family:var(--ff-display);
  font-size:clamp(3.5rem,5.5vw,5.5rem);
  font-weight:700;line-height:1;
  color:#EEF3FF;
  letter-spacing:-0.02em;display:block;margin-bottom:0.6rem;
}
.big-stat-sup{font-size:0.35em;vertical-align:super;color:var(--gold-lt);font-weight:600;}
.big-stat-lbl{font-family:var(--ff-data);font-size:0.73rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--on-dark-3);}

/* This block was authored for the navy band. Dropped onto a light
   section it rendered white-on-white and vanished. */
.section:not(.section--navy) .big-stats{
  background:var(--border-2);
  border-color:var(--border);
}
.section:not(.section--navy) .big-stat-box{background:var(--surface);}
.section:not(.section--navy) .big-stat-box:hover{background:var(--bg);}
.section:not(.section--navy) .big-stat-num{color:var(--navy);}
.section:not(.section--navy) .big-stat-sup{color:var(--blue);}
.section:not(.section--navy) .big-stat-lbl{color:var(--muted);}

/* ─── PARTNER BAND ───────────────────────────────────────────── */
.partner-band{
  background:var(--surface);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:7rem 3rem;
  position:relative;overflow:hidden;
}
.partner-band-watermark{
  position:absolute;
  font-family:var(--ff-display);
  font-size:clamp(5rem,15vw,15rem);
  font-weight:700;
  color:rgba(11,24,41,0.025);
  white-space:nowrap;
  top:50%;left:50%;
  transform:translate(-50%,-50%);
  letter-spacing:0.04em;
  user-select:none;pointer-events:none;z-index:0;
}
.partner-band-inner{
  position:relative;z-index:1;
  max-width:1300px;margin:0 auto;
  display:grid;grid-template-columns:1fr 1fr;
  gap:5rem;align-items:center;
}
.partner-tag{
  display:inline-flex;align-items:center;gap:0.6rem;
  font-family:var(--ff-data);font-size:0.62rem;
  letter-spacing:0.2em;text-transform:uppercase;
  color:var(--blue);margin-bottom:1rem;
}
.partner-tag-line{width:24px;height:1px;background:var(--blue);}
.partner-headline{
  font-family:var(--ff-display);
  font-size:clamp(2rem,3.5vw,3rem);
  font-weight:700;color:var(--navy);
  line-height:1.08;letter-spacing:-0.01em;margin-bottom:1.25rem;
}
.partner-headline em{font-style:italic;color:var(--blue);}
.partner-body{font-size:0.93rem;color:var(--muted);line-height:1.85;margin-bottom:2rem;max-width:400px;}
.partner-highlights{
  display:grid;grid-template-columns:1fr 1fr;
  gap:1px;background:var(--border);
  border:1px solid var(--border);
  border-radius:12px;overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.partner-hl{background:var(--surface);padding:1.75rem;}
.partner-hl-num{font-family:var(--ff-display);font-size:2.25rem;font-weight:700;color:var(--blue);line-height:1;margin-bottom:0.35rem;}
.partner-hl-lbl{font-size:0.78rem;color:var(--off-white);}

/* ─── CTA BAND (dark) ────────────────────────────────────────── */
.cta-band{
  background:linear-gradient(135deg,#071428 0%,#0F2260 50%,#1648D4 100%);
  padding:8rem 3rem;
  text-align:center;
  position:relative;
  overflow:hidden;
}
.cta-band::before{
  content:'';
  position:absolute;
  inset:0;
  background:radial-gradient(ellipse 80% 80% at 50% -20%,rgba(58,110,232,0.3) 0%,transparent 65%);
  pointer-events:none;
}
.cta-inner{max-width:700px;margin:0 auto;position:relative;z-index:1;}
.cta-eyebrow{font-family:var(--ff-data);font-size:0.62rem;letter-spacing:0.2em;text-transform:uppercase;color:#93B8FF;margin-bottom:0.9rem;display:flex;align-items:center;justify-content:center;gap:0.6rem;}
.cta-eyebrow::before,.cta-eyebrow::after{content:'';display:inline-block;width:16px;height:1px;background:#93B8FF;}
.cta-headline{font-family:var(--ff-display);font-size:clamp(2.5rem,5vw,4.5rem);font-weight:700;color:#EEF3FF;line-height:1.04;letter-spacing:-0.015em;margin-bottom:1.25rem;}
.cta-headline em{font-style:italic;color:#93B8FF;}
.cta-sub{font-size:0.96rem;color:var(--on-dark-2);margin-bottom:2.5rem;line-height:1.8;}

/* ─── BUTTONS ────────────────────────────────────────────────── */
.btn-primary{
  display:inline-flex;align-items:center;gap:0.5rem;
  background:var(--blue);color:#fff;
  font-family:var(--ff-data);font-weight:700;
  font-size:0.8rem;letter-spacing:0.03em;
  padding:0.9rem 1.85rem;border-radius:8px;
  transition:background var(--transition),transform 0.15s,box-shadow 0.2s;
  text-decoration:none;white-space:nowrap;
}
.btn-primary:hover{background:var(--blue-dk);transform:translateY(-2px);box-shadow:0 8px 32px rgba(22,72,212,0.32);}
/* In dark sections, invert primary button */
.cta-band .btn-primary,.section--navy .btn-primary{
  background:#fff;
  color:var(--navy);
}
.cta-band .btn-primary:hover,.section--navy .btn-primary:hover{
  background:#EBF0FF;
  box-shadow:0 8px 28px rgba(255,255,255,0.2);
}
.btn-ghost{
  display:inline-flex;align-items:center;gap:0.5rem;
  border:1.5px solid var(--border-2);
  color:var(--off-white);
  font-family:var(--ff-data);font-weight:500;
  font-size:0.8rem;letter-spacing:0.03em;
  padding:0.9rem 1.85rem;border-radius:8px;
  transition:border-color var(--transition),color var(--transition),background var(--transition);
  text-decoration:none;white-space:nowrap;
}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy);background:rgba(11,24,41,0.04);}
.cta-band .btn-ghost,.section--navy .btn-ghost{
  border-color:rgba(255,255,255,0.25);
  color:rgba(255,255,255,0.75);
}
.cta-band .btn-ghost:hover,.section--navy .btn-ghost:hover{
  border-color:#fff;color:#fff;
  background:rgba(255,255,255,0.08);
}
.btn-row{display:flex;gap:0.75rem;flex-wrap:wrap;}
.btn-row--center{justify-content:center;}
.btn-block{width:100%;justify-content:center;margin-top:0.5rem;}
/* required-field marker */
.req{color:var(--blue-lt);}

/* ─── FOOTER (dark) ──────────────────────────────────────────── */
.footer{background:var(--navy);border-top:1px solid rgba(255,255,255,0.06);}
.footer-main{
  display:grid;
  grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;
  gap:3rem;
  padding:5rem 3rem 4rem;
  max-width:1400px;margin:0 auto;
}
.footer-brand p{font-size:0.85rem;color:var(--on-dark-3);line-height:1.8;margin-top:0.9rem;max-width:230px;}
.footer-logo-img{height:32px;width:auto;filter:brightness(0) invert(1);}
.footer-badge{
  display:inline-flex;align-items:center;gap:0.5rem;
  margin-top:1.25rem;
  border:1px solid rgba(255,255,255,0.1);
  padding:0.45rem 0.75rem;
  font-family:var(--ff-data);font-size:0.69rem;
  color:var(--on-dark-2);border-radius:4px;
}
.footer-badge-dot{width:6px;height:6px;background:#22C55E;border-radius:50%;flex-shrink:0;}
.footer-col-title{font-family:var(--ff-data);font-size:0.66rem;letter-spacing:0.18em;text-transform:uppercase;color:var(--on-dark);font-weight:600;margin-bottom:1.25rem;}
.footer-col-links{display:flex;flex-direction:column;gap:0.65rem;}
/* plain (non-link) entries inherited body colour and read as disabled */
.footer-col-links li{font-size:0.85rem;color:var(--on-dark-3);}
.footer-col-links a{font-size:0.85rem;color:var(--on-dark-3);transition:color 0.2s;padding:0.15rem 0;display:inline-block;}
.footer-col-links a:hover{color:#fff;}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,0.07);
  padding:1.5rem 3rem;
  display:flex;align-items:center;justify-content:space-between;
  max-width:1400px;margin:0 auto;
  flex-wrap:wrap;gap:1rem;
}
.footer-copy{font-size:0.77rem;color:var(--on-dark-3);}

/* ─── STUDIO CREDIT ──────────────────────────────────────────── */
.footer-credit{
  border-top:1px solid rgba(255,255,255,0.07);
  padding:1.5rem 3rem 2rem;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:0.7rem;
  max-width:1400px;
  margin:0 auto;
}
.footer-credit-label{
  font-family:var(--ff-data);
  font-size:0.64rem;
  letter-spacing:0.2em;
  text-transform:uppercase;
  color:rgba(255,255,255,0.38);
  transition:color 0.3s;
}
.footer-credit-link{
  display:inline-flex;
  align-items:center;
  padding:0.3rem 0;
  opacity:0.55;
  transition:opacity 0.3s,transform 0.3s cubic-bezier(0.16,1,0.3,1);
}
.footer-credit-logo{
  height:15px;
  width:auto;
  display:block;
}
.footer-credit-link:hover{opacity:1;transform:translateY(-1px);}
.footer-credit:hover .footer-credit-label{color:rgba(255,255,255,0.6);}

.footer-legal{display:flex;gap:2rem;}
.footer-legal a{font-size:0.77rem;color:var(--on-dark-3);transition:color 0.2s;}
.footer-legal a:hover{color:#fff;}

/* ─── INNER PAGE HERO ────────────────────────────────────────── */
.hero--page{
  min-height:auto;
  padding:11rem 3rem 4.5rem;
  grid-template-columns:1fr;
  align-content:end;
  gap:0;
}
/* Each inner page carries its own photograph — same quiet, architectural
   family as the home hero, so the set reads as one system. */
.hero--page .hero-bg{
  background-size:cover;
  background-position:center 45%;
}
.hero--page .hero-bg::after{
  background:
    linear-gradient(100deg, rgba(7,20,40,0.90) 0%, rgba(7,20,40,0.72) 52%, rgba(7,20,40,0.52) 100%),
    linear-gradient(to bottom, rgba(7,20,40,0.45) 0%, rgba(7,20,40,0) 42%);
}
.hero--kalypseis      .hero-bg{background-image:url('hero_kalypseis.webp');}
.hero--epaggelmatikes .hero-bg{background-image:url('hero_epaggelmatikes.webp');}
.hero--sxetika        .hero-bg{background-image:url('hero_sxetika.webp');}
.hero--synergates     .hero-bg{background-image:url('hero_synergates.webp');}
.hero--pos            .hero-bg{background-image:url('hero_pos.webp');}
.hero--epikoinonia    .hero-bg{background-image:url('hero_epikoinonia.webp');}
.hero--prosfora       .hero-bg{background-image:url('hero_prosfora.webp');}
.hero--page .hero-content{max-width:900px;}
.hero--page .hero-headline{font-size:clamp(2.5rem,5vw,4.5rem);margin-bottom:1rem;}
.hero--page .hero-body{margin-bottom:0;}

/* ─── BREADCRUMB ─────────────────────────────────────────────── */
.breadcrumb{margin-bottom:2rem;}
.breadcrumb-list{display:flex;align-items:center;gap:0.6rem;font-family:var(--ff-data);font-size:0.74rem;color:var(--muted);}
.breadcrumb-list li:not(:last-child)::after{content:'/';margin-left:0.6rem;opacity:0.5;}
.breadcrumb-list a{color:var(--muted);transition:color 0.2s;}
.breadcrumb-list a:hover{color:var(--navy);}
.breadcrumb-list li:last-child{color:var(--navy);}
/* over the dark hero photograph */
.hero--page .breadcrumb{position:relative;z-index:1;}
.hero--page .breadcrumb-list,
.hero--page .breadcrumb-list a{color:var(--on-dark-3);}
.hero--page .breadcrumb-list a:hover{color:#fff;}
.hero--page .breadcrumb-list li:last-child{color:var(--on-dark);}

/* ─── COVERAGE PAGE ──────────────────────────────────────────── */
.coverage-section{padding:5rem 3rem;border-bottom:1px solid var(--border);}
.coverage-section:nth-child(even){background:var(--surface);}
.coverage-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start;}
.coverage-inner.reverse{direction:rtl;}
.coverage-inner.reverse>*{direction:ltr;}
.coverage-visual{
  aspect-ratio:4/3;
  background:var(--surface-2);
  border:1px solid var(--border);
  border-radius:16px;
  display:flex;align-items:center;justify-content:center;
  position:relative;overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.coverage-visual::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 80% 80% at 50% 0%,rgba(26,95,168,0.06) 0%,transparent 70%);}
.coverage-h2{font-family:var(--ff-display);font-size:clamp(1.8rem,3vw,2.75rem);font-weight:700;color:var(--navy);line-height:1.1;letter-spacing:-0.01em;margin-bottom:1rem;}
.coverage-lead{font-size:0.95rem;color:var(--off-white);line-height:1.85;margin-bottom:1.5rem;}
.coverage-list{display:flex;flex-direction:column;gap:0.65rem;margin-bottom:2rem;}
.coverage-list li{display:flex;align-items:flex-start;gap:0.75rem;font-size:0.89rem;color:var(--off-white);line-height:1.6;}
.cov-check{width:16px;height:16px;flex-shrink:0;margin-top:2px;color:var(--blue);}

/* ─── HOW IT WORKS ───────────────────────────────────────────── */
.steps-list{display:flex;flex-direction:column;margin-top:3rem;}
.step-item{display:grid;grid-template-columns:80px 1fr;gap:2rem;padding:3rem 0;border-bottom:1px solid var(--border);}
.step-item:last-child{border-bottom:none;}
.step-num-wrap{display:flex;flex-direction:column;align-items:center;gap:0.75rem;}
.step-num{font-family:var(--ff-display);font-size:3.5rem;font-weight:700;color:rgba(11,24,41,0.06);line-height:1;width:64px;text-align:center;}
.step-line{flex:1;width:1px;background:var(--border);min-height:40px;}
.step-item:last-child .step-line{display:none;}
.step-eyebrow{font-family:var(--ff-data);font-size:0.6rem;letter-spacing:0.18em;text-transform:uppercase;color:var(--blue);margin-bottom:0.55rem;}
.step-title{font-family:var(--ff-display);font-size:1.75rem;font-weight:700;color:var(--navy);margin-bottom:0.75rem;line-height:1.15;}
.step-body{font-size:0.92rem;color:var(--off-white);line-height:1.85;max-width:540px;}

/* ─── FAQ ────────────────────────────────────────────────────── */
.faq-list{margin-top:3rem;}
.faq-item{border-bottom:1px solid var(--border);}
.faq-question{width:100%;text-align:left;padding:1.5rem 0;display:flex;align-items:center;justify-content:space-between;gap:1rem;font-family:var(--ff-data);font-weight:600;font-size:0.92rem;color:var(--off-white);cursor:pointer;transition:color 0.2s;}
.faq-question:hover{color:var(--navy);}
.faq-question.open{color:var(--navy);}
.faq-chevron{width:18px;height:18px;flex-shrink:0;color:var(--muted);transition:transform 0.3s;}
.faq-question.open .faq-chevron{transform:rotate(180deg);color:var(--gold);}
.faq-answer{overflow:hidden;max-height:0;transition:max-height 0.4s cubic-bezier(0.16,1,0.3,1);}
.faq-answer p{padding:0 0 1.5rem;font-size:0.92rem;color:var(--muted);line-height:1.85;}

/* ─── STORY ──────────────────────────────────────────────────── */
.story-section{padding:7rem 3rem;}
.story-inner{max-width:1300px;margin:0 auto;display:grid;grid-template-columns:1fr 1.4fr;gap:5rem;align-items:start;}
.story-headline{font-family:var(--ff-display);font-size:clamp(2rem,3.5vw,3rem);font-weight:700;color:var(--navy);line-height:1.1;letter-spacing:-0.01em;position:sticky;top:8rem;}
.story-body{font-size:0.95rem;color:var(--off-white);line-height:1.9;margin-bottom:1.5rem;}

/* ─── VALUES ─────────────────────────────────────────────────── */
.values-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:1.5rem;
  margin-top:3rem;
}
.value-item{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
  padding:2.5rem 2rem;
  box-shadow:var(--shadow-sm);
  transition:box-shadow var(--transition),transform var(--transition);
}
.value-item:hover{box-shadow:var(--shadow);transform:translateY(-3px);}
.value-num{font-family:var(--ff-display);font-size:3rem;font-weight:700;color:rgba(11,24,41,0.04);line-height:1;margin-bottom:1.25rem;}
.value-title{font-family:var(--ff-data);font-size:0.9rem;font-weight:700;color:var(--navy);margin-bottom:0.65rem;}
.value-desc{font-size:0.85rem;color:var(--muted);line-height:1.72;}

/* ─── TRUST ──────────────────────────────────────────────────── */
.trust{padding:7rem 3rem;}
.trust-inner{max-width:1300px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center;}
.trust-headline{font-family:var(--ff-display);font-size:clamp(2rem,3.5vw,3rem);font-weight:700;color:var(--navy);line-height:1.1;letter-spacing:-0.01em;margin-bottom:1rem;}
.trust-headline em{font-style:italic;color:var(--blue);}
.trust-body{font-size:0.93rem;color:var(--muted);line-height:1.85;margin-bottom:1.5rem;}
.trust-link{font-family:var(--ff-data);font-size:0.8rem;font-weight:600;color:var(--blue);text-decoration:none;transition:color 0.2s;}
.trust-link:hover{color:var(--navy);}
.stats-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:1px;background:var(--border);
  border:1px solid var(--border);border-radius:12px;
  overflow:hidden;box-shadow:var(--shadow-sm);
}
.stat-box{background:var(--surface);padding:2.25rem;transition:background var(--transition);}
.stat-box:hover{background:var(--bg);}
.stat-num{font-family:var(--ff-display);font-size:3.25rem;font-weight:700;color:var(--navy);line-height:1;margin-bottom:0.45rem;}
.stat-num sup{font-size:0.45em;vertical-align:super;color:var(--blue);}
.stat-label{font-size:0.76rem;font-family:var(--ff-data);color:var(--muted);}

/* ─── CONTACT FORM ───────────────────────────────────────────── */
.contact-section{padding:7rem 3rem;}
.contact-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1.3fr;gap:6rem;align-items:start;}
.contact-methods{display:flex;flex-direction:column;gap:1rem;margin-top:2rem;}
.contact-method{
  display:flex;align-items:flex-start;gap:1rem;
  padding:1.25rem 1.5rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:12px;
  box-shadow:var(--shadow-sm);
  transition:box-shadow var(--transition);
}
.contact-method:hover{box-shadow:var(--shadow);}
.contact-method-icon{width:20px;height:20px;color:var(--blue);flex-shrink:0;margin-top:2px;}
.contact-method-label{font-family:var(--ff-data);font-size:0.62rem;letter-spacing:0.15em;text-transform:uppercase;color:var(--muted);margin-bottom:0.3rem;}
.contact-method-value{font-size:0.9rem;color:var(--off-white);}
.contact-method-value a{text-decoration:none;transition:color 0.2s;}
.contact-method-value a:hover{color:var(--navy);}

/* ─── LEGAL PAGES ────────────────────────────────────────────── */
/* Long-form reading: narrow measure, generous leading, quiet rules. */
.legal{max-width:760px;margin:0 auto;}
.legal-updated{
  font-family:var(--ff-data);
  font-size:0.75rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--muted);
  padding-bottom:1.5rem;
  border-bottom:1px solid var(--border);
  margin-bottom:2.5rem;
}
.legal-h2{
  font-family:var(--ff-display);
  font-size:1.6rem;
  font-weight:700;
  color:var(--navy);
  line-height:1.2;
  margin:3rem 0 1rem;
  scroll-margin-top:8rem;
}
.legal-h2:first-of-type{margin-top:0;}
.legal-h3{
  font-family:var(--ff-data);
  font-size:0.95rem;
  font-weight:700;
  color:var(--navy);
  margin:1.75rem 0 0.5rem;
}
.legal p{font-size:0.97rem;line-height:1.85;color:var(--off-white);margin-bottom:1rem;}
.legal a{color:var(--blue);text-decoration:underline;text-underline-offset:2px;}
.legal a:hover{color:var(--blue-dk);}
.legal-list{display:flex;flex-direction:column;gap:0.6rem;margin:0 0 1.25rem;}
.legal-list li{
  position:relative;
  padding-left:1.4rem;
  font-size:0.95rem;
  line-height:1.75;
  color:var(--off-white);
}
.legal-list li::before{
  content:'';
  position:absolute;
  left:0.25rem;top:0.75em;
  width:5px;height:5px;
  border-radius:50%;
  background:var(--blue);
}

/* Table of contents */
.legal-toc{
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:12px;
  padding:1.5rem 1.75rem;
  margin-bottom:3rem;
}
.legal-toc-title{
  font-family:var(--ff-data);
  font-size:0.68rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--muted);
  font-weight:600;
  margin-bottom:0.9rem;
}
.legal-toc-list{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:0.5rem 1.5rem;
  counter-reset:toc;
}
.legal-toc-list li{counter-increment:toc;}
.legal-toc-list a{
  display:flex;
  gap:0.55rem;
  font-size:0.88rem;
  color:var(--off-white);
  text-decoration:none;
  line-height:1.5;
}
.legal-toc-list a::before{
  content:counter(toc) '.';
  font-family:var(--ff-data);
  color:var(--muted);
  flex-shrink:0;
}
.legal-toc-list a:hover{color:var(--blue);}

/* Tables */
.legal-table{
  width:100%;
  border-collapse:collapse;
  margin:0 0 1.5rem;
  font-size:0.9rem;
}
.legal-table th{
  text-align:left;
  font-family:var(--ff-data);
  font-size:0.7rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--muted);
  font-weight:600;
  padding:0.7rem 1rem;
  border-bottom:1.5px solid var(--border-2);
}
.legal-table td{
  padding:0.85rem 1rem;
  border-bottom:1px solid var(--border);
  color:var(--off-white);
  line-height:1.65;
  vertical-align:top;
}
.legal-table tr:last-child td{border-bottom:none;}
.legal-table tbody tr:nth-child(odd){background:var(--bg);}

/* Callouts */
.legal-note{
  background:var(--blue-bg);
  border-left:3px solid var(--blue);
  border-radius:0 10px 10px 0;
  padding:1.15rem 1.4rem;
  margin:1.75rem 0;
}
.legal-note p{margin-bottom:0;font-size:0.92rem;}
.legal-note--warn{
  background:var(--gold-bg);
  border-left-color:var(--gold);
}

@media(max-width:640px){
  .legal-toc-list{grid-template-columns:1fr;}
  .legal-table{font-size:0.85rem;}
  .legal-table th,.legal-table td{padding:0.65rem 0.7rem;}
  /* wide tables must scroll themselves, never the page */
  .legal-table{display:block;overflow-x:auto;white-space:normal;}
}

/* ─── OPENING HOURS ──────────────────────────────────────────── */
.hours{display:flex;flex-direction:column;gap:0.1rem;}
.hours-row{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:1.5rem;
  padding:0.4rem 0;
  border-bottom:1px solid var(--border);
}
.hours-row:last-child{border-bottom:none;}
.hours-day{font-size:0.88rem;color:var(--off-white);}
.hours-time{
  font-family:var(--ff-data);
  font-size:0.85rem;
  color:var(--navy);
  font-weight:500;
  text-align:right;
  white-space:nowrap;
  line-height:1.45;
}
.hours-row--closed .hours-day,
.hours-row--closed .hours-time{color:var(--muted);font-weight:400;}
.contact-form{display:flex;flex-direction:column;gap:1rem;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.form-group{display:flex;flex-direction:column;gap:0.4rem;}
.form-label{font-family:var(--ff-data);font-size:0.67rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--off-white);font-weight:600;}
.form-input,.form-select,.form-textarea{
  background:var(--surface);
  border:1.5px solid var(--border);
  color:var(--navy);
  font-family:var(--ff-body);
  font-size:0.88rem;
  padding:0.85rem 1rem;
  border-radius:8px;
  transition:border-color var(--transition),box-shadow var(--transition);
  outline:none;width:100%;appearance:none;
}
.form-input::placeholder,.form-textarea::placeholder{color:var(--muted);}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(26,95,168,0.1);}
.form-input.error{border-color:#EF4444;}
.form-textarea{resize:vertical;min-height:130px;line-height:1.7;}
.form-select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%237A8FA6' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 1rem center;
  padding-right:2.5rem;cursor:pointer;
}
.form-select option{background:var(--surface);color:var(--navy);}
.form-error{
  font-size:0.78rem;
  color:#C81E1E;
  display:none;
  margin-top:0.2rem;
  align-items:center;
  gap:0.35rem;
}
.form-error.show{display:flex;}
.form-error::before{
  content:'';
  width:14px;height:14px;flex-shrink:0;
  background:#C81E1E;
  /* exclamation-in-circle, masked so it inherits the error colour */
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round'%3E%3Ccircle cx='12' cy='12' r='10'/%3E%3Cline x1='12' y1='7' x2='12' y2='13'/%3E%3Cline x1='12' y1='17' x2='12.01' y2='17'/%3E%3C/svg%3E") center/contain no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round'%3E%3Ccircle cx='12' cy='12' r='10'/%3E%3Cline x1='12' y1='7' x2='12' y2='13'/%3E%3Cline x1='12' y1='17' x2='12.01' y2='17'/%3E%3C/svg%3E") center/contain no-repeat;
}
.form-input.error,.form-select.error,.form-textarea.error{
  border-color:#C81E1E;
  background:#FEF4F4;
}
.form-hint{font-size:0.78rem;color:var(--muted);margin-top:0.15rem;line-height:1.5;}

/* Honeypot: reachable to bots parsing the DOM, invisible and
   unreachable to people and to screen readers. */
.hp{
  position:absolute;
  width:1px;height:1px;
  overflow:hidden;
  clip:rect(0 0 0 0);
  clip-path:inset(50%);
  white-space:nowrap;
}

/* Submit button while the request is in flight */
.btn-primary.is-loading{
  opacity:0.75;
  cursor:progress;
  pointer-events:none;
}
.btn-primary.is-loading::after{
  content:'';
  width:14px;height:14px;
  margin-left:0.15rem;
  border:2px solid rgba(255,255,255,0.35);
  border-top-color:#fff;
  border-radius:50%;
  animation:btnSpin 0.65s linear infinite;
}
@keyframes btnSpin{to{transform:rotate(360deg);}}
@media(prefers-reduced-motion:reduce){
  .btn-primary.is-loading::after{animation:none;border-top-color:rgba(255,255,255,0.35);}
}

/* ─── COVERAGE PICKER ────────────────────────────────────────── */
.cov-group{margin-bottom:1.5rem;}
.cov-group-title{
  font-family:var(--ff-data);
  font-size:0.66rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--muted);
  font-weight:600;
  margin-bottom:0.7rem;
  display:flex;align-items:center;gap:0.6rem;
}
.cov-group-title::after{content:'';flex:1;height:1px;background:var(--border);}
.cov-options{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(240px,1fr));
  gap:0.6rem;
}
/* Each coverage is a real decision — give it a target, not a 15px tick */
.cov-opt{
  display:flex;
  align-items:flex-start;
  gap:0.7rem;
  padding:0.85rem 1rem;
  background:var(--surface);
  border:1.5px solid var(--border);
  border-radius:10px;
  cursor:pointer;
  transition:border-color 0.2s,background 0.2s,box-shadow 0.2s;
  min-height:56px;
}
.cov-opt:hover{border-color:var(--border-2);background:var(--bg);}
.cov-opt:has(input:checked){
  border-color:var(--blue);
  background:var(--blue-bg);
  box-shadow:0 0 0 1px var(--blue) inset;
}
.cov-opt:has(input:focus-visible){outline:2px solid var(--focus);outline-offset:2px;}
.cov-opt input{
  width:18px;height:18px;
  margin-top:1px;
  accent-color:var(--blue);
  flex-shrink:0;
  cursor:pointer;
}
.cov-opt-body{display:flex;flex-direction:column;gap:0.15rem;min-width:0;}
.cov-opt-name{font-size:0.87rem;color:var(--navy);font-weight:500;line-height:1.35;}
.cov-opt-meta{font-family:var(--ff-data);font-size:0.72rem;color:var(--muted);}
.cov-opt-meta b{color:var(--blue-dk);font-weight:600;}

/* ─── INCLUDED-COVERAGES DISCLOSURE ──────────────────────────── */
.included{
  border:1px solid var(--border);
  border-radius:12px;
  background:var(--surface);
  overflow:hidden;
  margin-bottom:1.5rem;
}
.included-summary{
  width:100%;
  display:flex;align-items:center;gap:0.75rem;
  padding:1rem 1.25rem;
  text-align:left;
  font-family:var(--ff-data);
  font-size:0.86rem;
  font-weight:600;
  color:var(--navy);
  cursor:pointer;
  transition:background 0.2s;
}
.included-summary:hover{background:var(--bg);}
.included-badge{
  font-family:var(--ff-data);
  font-size:0.64rem;
  font-weight:700;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:#0F7B3E;
  background:rgba(34,197,94,0.12);
  border:1px solid rgba(34,197,94,0.3);
  border-radius:4px;
  padding:0.2rem 0.5rem;
  flex-shrink:0;
}
.included-chevron{
  width:16px;height:16px;margin-left:auto;flex-shrink:0;
  color:var(--muted);
  transition:transform 0.3s;
}
.included[open] .included-chevron{transform:rotate(180deg);}
.included-body{padding:0 1.25rem 1.25rem;border-top:1px solid var(--border);padding-top:1.25rem;}
.included-cat{margin-bottom:1.1rem;}
.included-cat:last-child{margin-bottom:0;}
.included-cat-title{
  font-family:var(--ff-data);
  font-size:0.7rem;
  font-weight:700;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--blue);
  margin-bottom:0.5rem;
}
.included-list{display:flex;flex-direction:column;gap:0.3rem;}
.included-list li{
  display:flex;align-items:baseline;gap:0.5rem;
  font-size:0.82rem;color:var(--off-white);line-height:1.5;
}
.included-list li::before{content:'✓';color:#0F7B3E;font-weight:700;flex-shrink:0;font-size:0.8rem;}
.included-list .amt{
  margin-left:auto;
  font-family:var(--ff-data);
  font-size:0.74rem;
  color:var(--muted);
  white-space:nowrap;
  padding-left:0.5rem;
}
.included-list .amt b{color:var(--navy);font-weight:600;}

/* ─── FILE UPLOAD ────────────────────────────────────────────── */
.upload-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.upload{
  position:relative;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:0.5rem;
  min-height:132px;
  padding:1.25rem 1rem;
  text-align:center;
  border:1.5px dashed var(--border-2);
  border-radius:12px;
  background:var(--surface);
  cursor:pointer;
  transition:border-color 0.2s,background 0.2s;
}
.upload:hover{border-color:var(--blue);background:var(--blue-bg);}
.upload:has(input:focus-visible){outline:2px solid var(--focus);outline-offset:2px;}
.upload input[type=file]{
  position:absolute;inset:0;
  opacity:0;cursor:pointer;
  width:100%;height:100%;
}
.upload-icon{width:26px;height:26px;color:var(--blue);flex-shrink:0;}
.upload-title{font-family:var(--ff-data);font-size:0.84rem;font-weight:600;color:var(--navy);}
.upload-hint{font-size:0.74rem;color:var(--muted);line-height:1.45;}
.upload.has-file{border-style:solid;border-color:#22C55E;background:rgba(34,197,94,0.05);}
.upload.has-file .upload-icon{color:#0F7B3E;}
.upload-filename{
  font-family:var(--ff-data);
  font-size:0.76rem;
  color:#0F7B3E;
  font-weight:600;
  word-break:break-all;
  max-width:100%;
}
.upload-note{
  display:flex;align-items:flex-start;gap:0.55rem;
  font-size:0.78rem;color:var(--muted);line-height:1.55;
  margin-top:0.6rem;
}
.upload-note svg{width:15px;height:15px;flex-shrink:0;margin-top:2px;color:var(--blue);}

@media(max-width:640px){
  .upload-grid{grid-template-columns:1fr;}
  .cov-options{grid-template-columns:1fr;}
}
.form-success{
  background:rgba(34,197,94,0.06);
  border:1px solid rgba(34,197,94,0.25);
  padding:2.5rem;text-align:center;
  display:none;border-radius:12px;
}
.form-success-icon{width:40px;height:40px;color:#22C55E;margin:0 auto 1rem;}
.form-success h3{font-family:var(--ff-display);font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:0.5rem;}
.form-success p{font-size:0.85rem;color:var(--muted);}

/* ─── PARTNERS PAGE ──────────────────────────────────────────── */
.partner-perks-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:1.5rem;margin-top:3rem;
}
.partner-perk{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
  padding:2.5rem 2rem;
  box-shadow:var(--shadow-sm);
  transition:box-shadow var(--transition),transform var(--transition);
}
.partner-perk:hover{box-shadow:var(--shadow);transform:translateY(-3px);}
.partner-perk-icon{width:30px;height:30px;color:var(--blue);margin-bottom:1rem;}
.partner-perk-title{font-family:var(--ff-data);font-weight:700;font-size:0.9rem;color:var(--navy);margin-bottom:0.6rem;}
.partner-perk-desc{font-size:0.84rem;color:var(--muted);line-height:1.72;}

/* ─── PROCESS STRIP ──────────────────────────────────────────── */
.process-strip{
  display:flex;
  border:1px solid var(--border);
  border-radius:12px;overflow:hidden;
  gap:1px;background:var(--border);
  margin-top:3rem;box-shadow:var(--shadow-sm);
}
.process-step{flex:1;background:var(--surface);padding:2rem 1.75rem;position:relative;transition:background var(--transition);}
.process-step:hover{background:var(--bg);}
.process-step-num{font-family:var(--ff-data);font-size:0.62rem;font-weight:700;letter-spacing:0.15em;color:var(--blue);margin-bottom:0.75rem;}
.process-step-title{font-family:var(--ff-data);font-weight:700;font-size:0.88rem;color:var(--navy);margin-bottom:0.4rem;}
.process-step-desc{font-size:0.82rem;color:var(--muted);line-height:1.6;}

/* ─── REVEAL ANIMATIONS ──────────────────────────────────────── */
.reveal{opacity:0;transform:translateY(24px);transition:opacity 0.9s cubic-bezier(0.16,1,0.3,1),transform 0.9s cubic-bezier(0.16,1,0.3,1);}
.reveal.in-view{opacity:1;transform:translateY(0);}
.d1{transition-delay:0.07s;}
.d2{transition-delay:0.15s;}
.d3{transition-delay:0.23s;}
.d4{transition-delay:0.31s;}

/* ─── UTILITIES ──────────────────────────────────────────────── */
.text-center{text-align:center;}
.text-center .section-lead{margin-left:auto;margin-right:auto;}
.text-center .eyebrow{justify-content:center;}
.divider{width:32px;height:2px;background:linear-gradient(90deg,var(--blue),var(--blue-lt));margin:1.5rem 0;border-radius:2px;}
.gold{color:var(--gold);}

/* ─── RESPONSIVE ─────────────────────────────────────────────── */
@media(max-width:1200px){
  .hero{grid-template-columns:1fr;gap:3rem;min-height:auto;padding:9rem 3rem 5rem;}
  .hero-panel{display:none;}
  .cov-matrix{grid-template-columns:repeat(2,1fr);}
  .cov-cell:nth-child(4n){border-right:1px solid var(--border);}
  .cov-cell:nth-last-child(-n+4){border-bottom:1px solid var(--border);}
  .cov-cell:nth-child(2n){border-right:none;}
  .cov-cell:nth-last-child(-n+2){border-bottom:none;}
  .why-grid{grid-template-columns:1fr 1fr;}
  .why-item{border-right:none;border-bottom:1px solid var(--border);}
  .why-item:nth-child(odd){border-right:1px solid var(--border);}
  .why-item:last-child{border-bottom:none;}
  .big-stats{grid-template-columns:1fr 1fr;}
  .footer-main{grid-template-columns:1fr 1fr 1fr;}
}
@media(max-width:860px){
  /* keep the part the visitor must act on; drop the description */
  .announce-long{display:none;}
  .announce-bar{padding:0.55rem 1rem;gap:0.5rem;}
}
@media(max-width:960px){
  .nav{padding:0 1.5rem;}
  .nav-links{
    display:none;flex-direction:column;
    /* base rule centres items for the horizontal bar; stack must fill width */
    align-items:stretch;
    position:fixed;top:100px;left:0;right:0;
    /* opaque: this panel sits over a photographic hero, and any
       translucency let the headline bleed through the links */
    background:#FFFFFF;
    padding:0.75rem 1rem 1.25rem;
    border-bottom:1px solid var(--border);
    box-shadow:var(--shadow-lg);
    gap:0.15rem;z-index:99;
  }
  .nav.no-announce .nav-links{top:64px;}
  .nav-links.open{display:flex;}
  .nav-links a{
    justify-content:flex-start;
    min-height:48px;
    padding:0.8rem 1rem;
    border-radius:8px;
    font-size:0.95rem;
    color:var(--off-white);
  }
  .nav-links a:hover{background:var(--bg);color:var(--navy);}
  .nav-links a[aria-current="page"]{color:var(--blue);background:var(--blue-bg);}
  /* the primary action must survive the collapse, not disappear with the bar */
  .nav-cta-li{display:block;}
  .nav-links .nav-cta-mobile{
    display:flex;
    justify-content:center;
    background:var(--blue);
    color:#fff;
    font-family:var(--ff-data);
    font-weight:700;
    margin-top:0.6rem;
  }
  .nav-links .nav-cta-mobile:hover{background:var(--blue-dk);color:#fff;}
  .nav>.nav-cta{display:none;}
  .nav-hamburger{display:flex;}
  .hero{padding:8rem 1.5rem 4rem;}
  /* stats wrap here, which strands a divider at the end of a row */
  .hero-stats-row{gap:1rem 2rem;flex-wrap:wrap;}
  .hero-stat-sep{display:none;}
  .hero--page{padding:9rem 1.5rem 3.5rem;}
  .hero-tracks{flex-direction:column;}
  .section{padding:5rem 1.5rem;}
  .cta-band{padding:5rem 1.5rem;}
  .coverage-inner{grid-template-columns:1fr;gap:2.5rem;}
  .coverage-inner.reverse{direction:ltr;}
  .story-inner{grid-template-columns:1fr;}
  .story-headline{position:static;}
  .trust-inner{grid-template-columns:1fr;gap:2.5rem;}
  .contact-inner{grid-template-columns:1fr;}
  .values-grid{grid-template-columns:1fr;}
  .partner-perks-grid{grid-template-columns:1fr 1fr;}
  .biz-teaser{grid-template-columns:1fr;}
  .partner-band-inner{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-main{grid-template-columns:1fr;gap:2rem;padding:3rem 1.5rem;}
  .footer-bottom{padding:1.25rem 1.5rem;}
  .process-strip{flex-direction:column;}
}
@media(max-width:640px){
  .cov-matrix{grid-template-columns:1fr;}
  .cov-cell{border-right:none !important;border-bottom:1px solid var(--border) !important;}
  .cov-cell:last-child{border-bottom:none !important;}
  .biz-grid{grid-template-columns:1fr;}
  .big-stats{grid-template-columns:1fr 1fr;}
  .why-grid{grid-template-columns:1fr;}
  .why-item:nth-child(odd){border-right:none;}
  .partner-perks-grid{grid-template-columns:1fr;}
  .partner-highlights{grid-template-columns:1fr;}
  .hero-headline{font-size:2.8rem;}
  .ticker-wrap{display:none;}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  *,*::before,*::after{
    animation-duration:0.01ms !important;
    animation-iteration-count:1 !important;
    transition-duration:0.01ms !important;
    scroll-behavior:auto !important;
  }
  /* content must still be visible, not stuck in its pre-reveal state */
  .reveal,.stagger>*{opacity:1 !important;transform:none !important;}
  .hero-panel{animation:none !important;}
  .cov-cell:hover,.why-item:hover,.value-item:hover,
  .partner-perk:hover,.big-stat-box:hover{transform:none !important;}
  .cov-cell:hover .cov-img,.cov-cell:hover .cov-cell-icon,
  .why-item:hover .why-item-icon,
  .partner-perk:hover .partner-perk-icon{transform:none !important;}
}

/* ─── 3D & ADVANCED ANIMATIONS ─────────────────────────────── */
@keyframes floatSlow{0%,100%{transform:translateY(0) rotate(0deg)}33%{transform:translateY(-8px) rotate(.5deg)}66%{transform:translateY(-4px) rotate(-.5deg)}}

.hero-panel{animation:floatSlow 7s ease-in-out infinite;}
.hero-trust-card{transform-style:preserve-3d;transition:transform 0.12s ease,box-shadow 0.12s ease;will-change:transform;}
.hero-trust-card:hover{box-shadow:0 28px 72px rgba(11,24,41,0.18);}

.cov-cell{transition:background var(--transition),transform 0.28s cubic-bezier(.34,1.56,.64,1),box-shadow 0.28s ease;}
.cov-cell:hover{transform:translateY(-7px);box-shadow:0 16px 40px rgba(11,24,41,0.11);z-index:2;}
.why-item{transition:background var(--transition),transform 0.28s cubic-bezier(.34,1.56,.64,1),box-shadow 0.28s ease;}
.why-item:hover{transform:translateY(-5px);box-shadow:0 12px 32px rgba(11,24,41,0.09);z-index:2;}
.partner-perk{transition:box-shadow var(--transition),transform 0.28s cubic-bezier(.34,1.56,.64,1);}
.partner-perk:hover{transform:translateY(-6px);box-shadow:0 18px 44px rgba(11,24,41,0.12);}
.big-stat-box{transition:background 0.3s,transform 0.28s cubic-bezier(.34,1.56,.64,1);}
.big-stat-box:hover{transform:translateY(-5px);background:rgba(255,255,255,0.07);}
.value-item{transition:box-shadow var(--transition),transform 0.28s cubic-bezier(.34,1.56,.64,1);}
.value-item:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(11,24,41,0.11);}

.why-item-icon,.partner-perk-icon,.cov-cell-icon{transition:transform 0.45s cubic-bezier(.34,1.56,.64,1);}
.why-item:hover .why-item-icon,.partner-perk:hover .partner-perk-icon,.cov-cell:hover .cov-cell-icon{transform:scale(1.22) rotate(10deg);}

/* Coverage photo */
.coverage-photo{width:100%;height:100%;object-fit:cover;object-position:center;transition:transform 0.6s ease;}
.coverage-visual{overflow:hidden;border-radius:16px;}
.coverage-visual:hover .coverage-photo{transform:scale(1.04);}

/* Stagger reveal */
.stagger>*{opacity:0;transform:translateY(18px);transition:opacity 0.65s,transform 0.65s;}
.stagger.in-view>*:nth-child(1){opacity:1;transform:none;transition-delay:.06s;}
.stagger.in-view>*:nth-child(2){opacity:1;transform:none;transition-delay:.13s;}
.stagger.in-view>*:nth-child(3){opacity:1;transform:none;transition-delay:.20s;}
.stagger.in-view>*:nth-child(4){opacity:1;transform:none;transition-delay:.27s;}
.stagger.in-view>*:nth-child(5){opacity:1;transform:none;transition-delay:.34s;}
.stagger.in-view>*:nth-child(6){opacity:1;transform:none;transition-delay:.41s;}
.stagger.in-view>*:nth-child(7){opacity:1;transform:none;transition-delay:.48s;}
.stagger.in-view>*:nth-child(8){opacity:1;transform:none;transition-delay:.55s;}

/* Form tabs (prosfora page) */
.form-tabs{display:flex;overflow-x:auto;border-bottom:1px solid var(--border);margin-bottom:2.5rem;scrollbar-width:none;gap:0;}
.form-tabs::-webkit-scrollbar{display:none;}
.form-tab{flex-shrink:0;padding:.85rem 1.25rem;font-family:var(--ff-data);font-size:.76rem;font-weight:600;color:var(--muted);cursor:pointer;border-bottom:2.5px solid transparent;transition:color .2s,border-color .2s;display:flex;align-items:center;gap:.45rem;white-space:nowrap;background:none;border-top:none;border-left:none;border-right:none;}
.form-tab:hover{color:var(--navy);}
.form-tab.active{color:var(--blue);border-bottom-color:var(--blue);}
.form-tab-icon{width:15px;height:15px;flex-shrink:0;}
.form-panel{display:none;}
.form-panel.active{display:flex;flex-direction:column;gap:1.25rem;}
.form-section-title{font-family:var(--ff-display);font-size:1.6rem;font-weight:700;color:var(--navy);margin-bottom:.2rem;}
.form-section-lead{font-size:.88rem;color:var(--muted);line-height:1.7;margin-bottom:1.25rem;}
.form-row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1rem;}
.form-checkbox-group{display:flex;flex-wrap:wrap;gap:.65rem .5rem;}
.form-checkbox-item{display:flex;align-items:center;gap:.5rem;font-size:.82rem;color:var(--off-white);cursor:pointer;}
.form-checkbox-item input[type=checkbox]{width:15px;height:15px;accent-color:var(--navy);flex-shrink:0;}
.consent-block{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:.9rem 1.1rem;display:flex;align-items:flex-start;gap:.65rem;font-size:.78rem;color:var(--muted);line-height:1.65;}
.consent-block input{margin-top:2px;flex-shrink:0;accent-color:var(--navy);}
.prosfora-layout{display:grid;grid-template-columns:1fr 380px;gap:4rem;align-items:start;}
.prosfora-side{position:sticky;top:8rem;}
.prosfora-trust{background:var(--navy);color:#fff;border-radius:16px;padding:2rem;}
.prosfora-trust-title{font-family:var(--ff-display);font-size:1.4rem;font-weight:700;color:#EEF3FF;margin-bottom:1.25rem;}
.prosfora-trust-item{display:flex;align-items:flex-start;gap:.75rem;font-size:.87rem;color:var(--on-dark-2);line-height:1.6;padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.07);}
.prosfora-trust-item:last-child{border-bottom:none;}
.prosfora-trust-icon{width:18px;height:18px;color:#93B8FF;flex-shrink:0;margin-top:1px;}
.prosfora-companies{margin-top:1.5rem;font-family:var(--ff-data);font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--on-dark-3);margin-bottom:.75rem;}
.prosfora-company-list{display:flex;flex-wrap:wrap;gap:.4rem;}
.prosfora-company-tag{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:4px;padding:.3rem .65rem;font-size:.74rem;color:var(--on-dark-2);}
@media(max-width:960px){
  .prosfora-layout{grid-template-columns:1fr;}
  .prosfora-side{position:static;}
  .form-row-3{grid-template-columns:1fr 1fr;}
}
@media(max-width:640px){
  .form-row-3{grid-template-columns:1fr;}
  .form-tabs{gap:0;}
}

/* ==============================
   PAGE LOADER
============================== */
#page-loader{
  position:fixed;
  inset:0;
  z-index:99999;
  background:#ffffff;
  display:flex;
  align-items:center;
  justify-content:center;
  transition:opacity 0.55s cubic-bezier(0.4,0,0.2,1),visibility 0.55s;
}
#page-loader.out{
  opacity:0;
  visibility:hidden;
  pointer-events:none;
}
.loader-logo{
  width:160px;
  height:auto;
  animation:loaderReveal 0.7s cubic-bezier(0.34,1.56,0.64,1) both;
}
@keyframes loaderReveal{
  from{transform:scale(0.82);opacity:0;}
  to{transform:scale(1);opacity:1;}
}

/* ==============================
   COVERAGE GRID IMAGE
============================== */
.cov-img{
  width:calc(100% + 3.5rem);
  margin-left:-1.75rem;
  margin-top:-2rem;
  margin-bottom:1.25rem;
  height:150px;
  object-fit:cover;
  display:block;
  transition:transform 0.7s cubic-bezier(0.25,0.46,0.45,0.94);
  flex-shrink:0;
}
.cov-cell:hover .cov-img{transform:scale(1.06);}
@media(max-width:640px){
  .cov-img{height:120px;}
}