/* ============================================================
   LOTAN INSURANCE LIMITED — FORTUNE 500 DESIGN SYSTEM
   Inspired by: BlackRock, J.P. Morgan PB, Goldman Sachs, Lazard
   Palette: Ivory · Luminous Logo Green · Champagne Gold
   Type: Playfair Display (headings) + DM Sans (body)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;1,400&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;1,9..40,300&display=swap');

/* ============================================================ DESIGN TOKENS */
:root {
  /* Palette */
  --ivory:       #F7FAF7;          /* Very light green-tinted ivory — page background */
  --ivory-2:     #EDF5EC;          /* Soft green-ivory — alt sections */
  --ivory-3:     #D6EAD4;          /* Card borders / strokes — light green-grey */
  --ink:         #0E1D0D;          /* Near-black green ink — body text */
  --ink-muted:   #4A6347;          /* Secondary text — muted forest */
  --ink-light:   #7E9E7B;          /* Tertiary / captions */
  --emerald:     #2D9F26;          /* PRIMARY — Luminous Logo Green (umbrella/leaf) */
  --emerald-2:   #248C1D;          /* Hover — slightly deeper luminous green */
  --emerald-3:   #1D6E18;          /* Depth — logo's shadow/crescent dark green */
  --gold:        #C09A52;          /* Champagne Gold — accent lines */
  --gold-light:  rgba(192,154,82,0.15);
  --white:       #FFFFFF;
  --emerald-gradient: linear-gradient(135deg, var(--emerald) 0%, var(--emerald-3) 100%);
  --gold-gradient: linear-gradient(135deg, #D4AF37 0%, #AA8122 100%);
  --glass-bg: rgba(255, 255, 255, 0.75);
  --glass-border: rgba(255, 255, 255, 0.5);
  --glass-shadow: 0 8px 32px 0 rgba(12, 30, 27, 0.05);

  /* Typography */
  --font-serif:  'Playfair Display', Georgia, serif;
  --font-sans:   'DM Sans', 'Inter', -apple-system, sans-serif;

  /* Spacing (8-point grid) */
  --space-1: 0.5rem;   /*  8px */
  --space-2: 1rem;     /* 16px */
  --space-3: 1.5rem;   /* 24px */
  --space-4: 2rem;     /* 32px */
  --space-5: 3rem;     /* 48px */
  --space-6: 4rem;     /* 64px */
  --space-7: 6rem;     /* 96px */
  --space-8: 8rem;     /* 128px */
  --space-9: 10rem;    /* 160px — section rhythm */

  /* Containers */
  --container-max: 1260px;
  --container-pad: clamp(1.5rem, 5vw, 5rem);

  /* Borders */
  --border: 1px solid var(--ivory-3);
  --border-gold: 1px solid rgba(192,154,82,0.3);

  /* Shadows */
  --shadow-card: 0 2px 24px rgba(12,30,27,0.05);
  --shadow-hover: 0 8px 40px rgba(12,30,27,0.09);

  /* Transitions */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --duration: 300ms;
  --transition: var(--duration) var(--ease);
}

/* ============================================================ RESET */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  background-color: var(--ivory);
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  font-weight: 400;
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { display: block; max-width: 100%; }
ul, ol { list-style: none; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }

/* ============================================================ TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-serif);
  font-weight: 400;
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: var(--emerald);
}

h1 { font-size: clamp(3.5rem, 6.5vw, 7rem); }
h2 { font-size: clamp(2.5rem, 4vw, 4rem); }
h3 { font-size: clamp(1.5rem, 2.5vw, 2.25rem); letter-spacing: -0.015em; }
h4 { font-size: 1.375rem; font-weight: 500; }
h5 { font-size: 1rem; font-family: var(--font-sans); font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-muted); }

p { line-height: 1.75; }

/* ============================================================ LAYOUT */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

section {
  padding-block: var(--space-9);
}

.section-alt {
  background: var(--ivory-2);
  border-top: var(--border);
  border-bottom: var(--border);
}

.section-dark {
  background: var(--emerald-3);
  color: var(--ivory);
}

.section-dark h2, .section-dark h3, .section-dark h4 { color: var(--ivory); }
.section-dark p { color: rgba(248,246,241,0.75); }

/* Grid utilities */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); }

@media (max-width: 1024px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  section { padding-block: var(--space-7); }
  h1 { font-size: 3rem; }
}

/* ============================================================ NAVIGATION */
nav {
  position: fixed;
  top: 0;
  inset-inline: 0;
  z-index: 999;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--container-pad);
  height: 5rem;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--glass-border);
  box-shadow: var(--glass-shadow);
  transition: box-shadow var(--transition);
}

nav.scrolled {
  box-shadow: 0 4px 32px rgba(12,30,27,0.06);
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 0.875rem;
}

.nav-brand img {
  height: 36px;
  width: auto;
}

.nav-brand-name {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--emerald);
  letter-spacing: 0.04em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 3rem;
}

.nav-links a {
  font-size: 0.8125rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-muted);
  transition: color var(--transition);
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--emerald);
  transition: width var(--transition);
}

.nav-links a:hover {
  color: var(--emerald);
}

.nav-links a:hover::after {
  width: 100%;
}

/* ============================================================ BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 2.25rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  border: 1px solid transparent;
}

.btn-dark {
  background: var(--emerald-gradient);
  color: var(--white);
  border-color: transparent;
  box-shadow: 0 4px 15px rgba(45, 159, 38, 0.2);
}

.btn-dark:hover {
  background: linear-gradient(135deg, var(--emerald-2) 0%, var(--emerald-3) 100%);
  color: var(--white);
  transform: translateY(-2px) scale(1.02);
  box-shadow: 0 8px 25px rgba(29, 110, 24, 0.35);
}

.btn-outline-light {
  background: transparent;
  color: rgba(248,246,241,0.9);
  border-color: rgba(248,246,241,0.35);
}

.btn-outline-light:hover {
  background: rgba(248,246,241,0.1);
  border-color: rgba(248,246,241,0.7);
  color: var(--ivory);
}

.btn-outline-dark {
  background: transparent;
  color: var(--emerald);
  border-color: var(--emerald);
}

.btn-outline-dark:hover {
  background: var(--emerald);
  color: var(--ivory);
}

/* Legacy alias */
.btn-primary { 
  display: inline-flex; align-items: center;
  padding: 0.875rem 2.25rem;
  font-family: var(--font-sans);
  font-size: 0.875rem; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.08em;
  cursor: pointer; transition: all var(--transition);
  background: var(--emerald); color: var(--ivory);
  border: 1px solid var(--emerald);
}
.btn-primary:hover {
  background: var(--emerald-2); border-color: var(--emerald-2);
  color: var(--ivory); transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(1,61,46,0.25);
}
.btn-secondary {
  display: inline-flex; align-items: center;
  padding: 0.875rem 2.25rem;
  font-family: var(--font-sans);
  font-size: 0.875rem; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.08em;
  cursor: pointer; transition: all var(--transition);
  background: transparent; color: rgba(248,246,241,0.9);
  border: 1px solid rgba(248,246,241,0.35);
}
.btn-secondary:hover {
  background: rgba(248,246,241,0.1);
  border-color: rgba(248,246,241,0.7);
  color: var(--ivory);
}

/* ============================================================ EYEBROW / BADGE */
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold);
  margin-bottom: 1.5rem;
}

.eyebrow::before {
  content: '—  ';
  color: var(--gold);
  opacity: 0.6;
}

.badge {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--ink-muted);
  border: 1px solid var(--ivory-3);
  padding: 0.35rem 0.875rem;
  margin-bottom: 1.5rem;
}

/* ============================================================ SECTION HEADERS */
.section-header {
  max-width: 620px;
  margin-bottom: var(--space-8);
}

.section-header.centered {
  margin-inline: auto;
  text-align: center;
  max-width: 700px;
}

.section-header h2 {
  margin-top: var(--space-1);
  margin-bottom: var(--space-3);
}

.section-header p {
  font-size: 1.125rem;
  color: var(--ink-muted);
  line-height: 1.7;
}

.section-divider {
  display: block;
  width: 48px;
  height: 2px;
  background: var(--gold);
  margin-block: var(--space-4) var(--space-5);
}

.section-divider.centered { margin-inline: auto; }

/* ============================================================ HERO */
.hero-title {
  font-size: clamp(3.5rem, 6.5vw, 7.5rem);
  line-height: 1.0;
  color: inherit;
  letter-spacing: -0.03em;
  font-weight: 400;
  margin-bottom: var(--space-4);
}

.hero-desc {
  font-size: clamp(1.125rem, 1.5vw, 1.375rem);
  font-family: var(--font-sans);
  font-weight: 300;
  line-height: 1.7;
  opacity: 0.85;
  max-width: 55ch;
  margin-bottom: var(--space-6);
}

/* ============================================================ CARDS */
.card {
  background: var(--white);
  border: var(--border);
  padding: var(--space-6);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-hover);
  border-color: rgba(192,154,82,0.4);
  transform: translateY(-3px);
}

.card-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border: var(--border);
  margin-bottom: var(--space-4);
  color: var(--emerald);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.card-accent-top {
  border-top: 3px solid var(--emerald);
}

.card-accent-top-gold {
  border-top: 3px solid var(--gold);
}

.card h3 { margin-bottom: var(--space-3); color: var(--emerald); }
.card h4 { margin-bottom: var(--space-2); }
.card p { color: var(--ink-muted); font-size: 1rem; }

/* Legacy panel classes */
.glass-panel {
  background: var(--white);
  border: var(--border);
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.glass-panel:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
  border-color: rgba(192,154,82,0.35);
}

.p-2 { padding: var(--space-6); }

.product-card, .policy-section, .scenario-card, .pillar-card, .cred-card {
  background: var(--white);
  border: var(--border);
  padding: var(--space-6);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.product-card:hover, .scenario-card:hover, .pillar-card:hover { 
  box-shadow: var(--shadow-hover);
  border-color: rgba(192,154,82,0.35);
  transform: translateY(-3px);
}

.scenario-card { border-top: 3px solid var(--emerald); }
.scenario-card:nth-child(even) { border-top-color: var(--gold); }

/* ============================================================ STAT NUMBERS */
.stat-num {
  font-family: var(--font-serif);
  font-size: 3.5rem;
  line-height: 1;
  color: var(--emerald);
  letter-spacing: -0.02em;
  margin-bottom: 0.75rem;
}

.stat-label {
  font-size: 0.875rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-muted);
}

/* ============================================================ TABLES */
.table-container {
  overflow: hidden;
  border: var(--border);
  background: var(--white);
}

table { width: 100%; border-collapse: collapse; }

th {
  background: var(--ivory-2);
  color: var(--emerald);
  text-align: left;
  padding: 1.5rem 2rem;
  font-family: var(--font-serif);
  font-size: 1rem;
  font-weight: 500;
  border-bottom: var(--border);
}

td {
  padding: 1.5rem 2rem;
  border-bottom: var(--border);
  color: var(--ink);
  font-size: 0.9375rem;
  line-height: 1.6;
}

tr:last-child td { border-bottom: none; }

.vs-table th:nth-child(2) { color: #9B3636; background: #FDF8F8; }
.vs-table th:nth-child(3) { color: var(--emerald); background: #F5FAF7; border-top: 3px solid var(--emerald); }

/* ============================================================ FORMS */
.contact-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  align-items: start;
}

@media (max-width: 900px) {
  .contact-container { grid-template-columns: 1fr; }
}

.form-group { margin-bottom: 1.75rem; }

.form-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-muted);
  margin-bottom: 0.625rem;
}

.form-control {
  width: 100%;
  padding: 1rem 1.25rem;
  background: var(--white);
  border: var(--border);
  border-radius: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--ink);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
  -webkit-appearance: none;
}

.form-control:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(192,154,82,0.12);
}

.form-control::placeholder { color: var(--ink-light); }

textarea.form-control {
  min-height: 140px;
  resize: vertical;
  font-family: var(--font-sans);
}

/* ============================================================ CUSTOM LIST */
.custom-list { display: flex; flex-direction: column; gap: 0.875rem; }

.custom-list li {
  padding-left: 1.5rem;
  position: relative;
  color: var(--ink-muted);
  font-size: 0.9375rem;
  line-height: 1.6;
}

.custom-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.6rem;
  width: 8px;
  height: 1px;
  background: var(--gold);
}

/* ============================================================ PAGE HEADER */
.page-header {
  padding-top: 10rem;
  padding-bottom: var(--space-8);
  background: var(--ivory);
  border-bottom: var(--border);
}

/* ============================================================ TIMELINE */
.timeline {
  position: relative;
  max-width: 900px;
  margin: var(--space-6) auto;
}

.timeline::after {
  content: '';
  position: absolute;
  width: 1px;
  background: var(--ivory-3);
  top: 0; bottom: 0; left: 50%;
  margin-left: -0.5px;
}

.timeline-item {
  padding: 0.5rem 3rem;
  position: relative;
  width: 50%;
}

.timeline-item::after {
  content: '';
  position: absolute;
  width: 10px;
  height: 10px;
  right: -5px;
  background: var(--gold);
  top: 1.25rem;
  z-index: 1;
}

.left  { left: 0; }
.right { left: 50%; }
.right::after { left: -5px; }

.timeline-content {
  padding: 2rem;
  background: var(--white);
  border: var(--border);
}

.timeline-date {
  color: var(--gold);
  font-weight: 500;
  font-size: 0.875rem;
  font-family: var(--font-sans);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  display: block;
  margin-bottom: 0.5rem;
}

/* ============================================================ FOOTER */
footer {
  background: var(--emerald-3);
  color: var(--ivory);
  padding: var(--space-8) var(--container-pad) var(--space-6);
}

.footer-inner {
  max-width: var(--container-max);
  margin-inline: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--space-7);
  padding-bottom: var(--space-6);
  border-bottom: 1px solid rgba(248,246,241,0.1);
  margin-bottom: var(--space-5);
}

@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr; gap: var(--space-5); }
}

.footer-brand h2 { font-size: 1.25rem; color: var(--ivory); letter-spacing: 0.04em; margin-bottom: 1.25rem; }
.footer-brand p { color: rgba(248,246,241,0.6); font-size: 0.9375rem; line-height: 1.7; max-width: 340px; }

.footer-links h4 {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(248,246,241,0.5);
  margin-bottom: 1.5rem;
}

.footer-links ul { display: flex; flex-direction: column; gap: 0.75rem; }

.footer-links a {
  font-size: 0.9375rem;
  color: rgba(248,246,241,0.7);
  transition: color var(--transition);
}

.footer-links a:hover { color: var(--ivory); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8125rem;
  color: rgba(248,246,241,0.45);
}

.footer-bottom a { color: rgba(248,246,241,0.5); }
.footer-bottom a:hover { color: var(--ivory); }

.footer-bottom-links { display: flex; gap: 2rem; }

/* ============================================================ REVEAL ANIMATIONS */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

.reveal-left {
  opacity: 0;
  transform: translateX(-28px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal-left.active { opacity: 1; transform: translateX(0); }

.reveal-right {
  opacity: 0;
  transform: translateX(28px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal-right.active { opacity: 1; transform: translateX(0); }

.reveal-up { opacity: 0; transform: translateY(28px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal-up.active { opacity: 1; transform: translateY(0); }

.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

/* ============================================================ MISC UTILITY */
.text-gold { color: var(--gold); }
.text-emerald { color: var(--emerald); }
.text-muted { color: var(--ink-muted); }
.text-prime { color: var(--emerald); }

.border-top-gold { border-top: 2px solid var(--gold); }
.border-top-emerald { border-top: 2px solid var(--emerald); }

.mb-2 { margin-bottom: var(--space-5); }
.mt-2 { margin-top: var(--space-5); }
.mt-1 { margin-top: var(--space-3); }

.hr-line {
  border: none;
  height: 1px;
  background: var(--ivory-3);
  margin-block: var(--space-7);
}

/* Admin */
.admin-body { background: #F1F5F9; color: var(--ink); }

/* Overrides for inline-styled panels from legacy HTML */
.section-darker {
  background: var(--ivory-2);
  border-top: var(--border);
  border-bottom: var(--border);
}

/* ============================================================ STATS STRIP */
.stats-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: var(--border);
}

.stats-strip-item {
  padding: var(--space-5) var(--space-6);
  border-right: var(--border);
  text-align: center;
}

.stats-strip-item:last-child { border-right: none; }

/* ============================================================ MARQUEE */
.partners-strip {
  background: var(--ivory-2);
  border-top: var(--border);
  border-bottom: var(--border);
  padding-block: 1.25rem;
  overflow: hidden;
}

.partners-track {
  display: flex;
  gap: 5rem;
  animation: marquee 30s linear infinite;
  width: max-content;
}

.partners-track span {
  font-size: 0.8125rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--ink-muted);
  white-space: nowrap;
}

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

/* ============================================================ KEYSTROKE BOUNCE */
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(6px); }
}

/* ============================================================ AI CHATBOT */
#ai-chat-widget {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 350px;
    background: var(--white);
    border: var(--border);
    box-shadow: 0 10px 40px rgba(12,30,27,0.15);
    z-index: 1000;
    transition: transform var(--transition);
    transform: translateY(calc(100% - 3.5rem));
}
#ai-chat-widget.open {
    transform: translateY(0);
}
#ai-chat-header {
    background: var(--emerald);
    color: var(--ivory);
    padding: 1rem 1.25rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-weight: 600;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
#ai-chat-body {
    height: 400px;
    display: flex;
    flex-direction: column;
}
#ai-chat-messages {
    flex-grow: 1;
    padding: 1rem;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    background: rgba(248, 246, 241, 0.4);
}
.chat-msg {
    padding: 0.75rem 1rem;
    font-size: 0.9rem;
    line-height: 1.5;
    max-width: 85%;
}
.chat-msg.user {
    align-self: flex-end;
    background: var(--emerald-3);
    color: var(--ivory);
    border-bottom-right-radius: 0;
}
.chat-msg.ai {
    align-self: flex-start;
    background: var(--white);
    color: var(--ink);
    border: var(--border);
    border-bottom-left-radius: 0;
}
#ai-chat-input-area {
    display: flex;
    border-top: var(--border);
}
#ai-chat-input {
    flex-grow: 1;
    border: none;
    padding: 1rem;
    outline: none;
    font-family: var(--font-sans);
}
#ai-chat-input-area button {
    background: var(--white);
    border: none;
    border-left: var(--border);
    padding: 0 1.25rem;
    color: var(--emerald);
    cursor: pointer;
    transition: background var(--transition);
}
#ai-chat-input-area button:hover {
    background: var(--ivory-2);
}

/* ============================================================ GLASSMORPHISM & PREMIUM UTILITIES */
.glass-panel-premium {
  background: var(--glass-bg);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--glass-border);
  box-shadow: var(--glass-shadow);
  border-radius: 4px;
  transition: all var(--transition);
}

.glass-panel-premium:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(12, 30, 27, 0.1);
  border-color: rgba(192, 154, 82, 0.3);
}

.text-gradient-gold {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gradient-emerald {
  background: var(--emerald-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Advanced Reveals */
.reveal-zoom {
  opacity: 0;
  transform: scale(0.95);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal-zoom.active {
  opacity: 1;
  transform: scale(1);
}

.parallax-bg {
  background-attachment: fixed;
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
}

/* ============================================================ HOME PAGE (index) */
.hero { height: 100vh; min-height: 700px; position: relative; display: flex; align-items: flex-end; background: var(--emerald-3); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-image: url('../img/futuristic_capital_hero_1774341085203.png'); background-size: cover; background-position: center 20%; opacity: 0.28; transform: scale(1.02); }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(29, 110, 24, 0.45) 0%, rgba(29, 110, 24, 0.80) 60%, rgba(29, 110, 24, 0.97) 100%); }
.hero-content { position: relative; z-index: 2; width: 100%; padding-bottom: 8rem; }
.hero-badge { display: inline-block; font-family: var(--font-sans); font-size: 0.75rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.15em; color: var(--gold); margin-bottom: 2rem; }
.hero-badge::before { content: ''; display: inline-block; width: 32px; height: 1px; background: var(--gold); vertical-align: middle; margin-right: 0.875rem; opacity: 0.7; }
.hero-title { color: var(--ivory); max-width: 14ch; margin-bottom: 2rem; }
.hero-desc { color: rgba(248,246,241,0.7); font-weight: 300; margin-bottom: 3rem; }
.hero-cta { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.hero-scroll { position: absolute; bottom: 2.5rem; left: 50%; transform: translateX(-50%); z-index: 3; animation: bounce 2.5s ease-in-out infinite; color: rgba(248,246,241,0.35); font-size: 1.25rem; }

.kpi-strip { background: var(--white); border-bottom: var(--border); }
.kpi-strip .stats-strip { border: none; border-top: var(--border); background: var(--ivory-2); }
.kpi-strip .stats-strip-item { border-right: var(--border); border-bottom: none; }

.instrument-card { background: var(--white); border: var(--border); border-top: 3px solid var(--emerald); padding: var(--space-6) var(--space-5); transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition); }
.instrument-card:nth-child(2) { border-top-color: var(--gold); }
.instrument-card:nth-child(3) { border-top-color: var(--emerald); }
.instrument-card:nth-child(4) { border-top-color: var(--gold); }
.instrument-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); }
.instrument-card h4 { color: var(--emerald); font-family: var(--font-serif); font-size: 1.375rem; font-weight: 400; margin-bottom: 1rem; }
.instrument-card p { font-size: 0.9375rem; color: var(--ink-muted); line-height: 1.7; margin-bottom: 1.5rem; }
.instrument-tag { font-size: 0.75rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); }

.cta-banner { background: var(--emerald-3); color: var(--ivory); padding: var(--space-8) 0; }
.cta-banner-inner { display: grid; grid-template-columns: 1fr auto; gap: var(--space-6); align-items: center; }
@media (max-width: 768px) { .cta-banner-inner { grid-template-columns: 1fr; } }
.cta-banner h2 { color: var(--ivory); margin-bottom: 1rem; }
.cta-banner p { color: rgba(248,246,241,0.65); font-size: 1.0625rem; }

.reinsurance-panel { background: var(--white); border: var(--border); padding: var(--space-7) var(--space-7); display: grid; grid-template-columns: 1fr 1.5fr; gap: var(--space-7); align-items: start; }
@media (max-width: 900px) { .reinsurance-panel { grid-template-columns: 1fr; padding: var(--space-6); } }
.reinsurance-metric { padding: var(--space-4); border-left: 2px solid var(--gold); margin-bottom: var(--space-4); }
.reinsurance-metric .num { font-family: var(--font-serif); font-size: 2.5rem; color: var(--emerald); line-height: 1; letter-spacing: -0.02em; }
.reinsurance-metric p { font-size: 0.875rem; color: var(--ink-muted); margin-top: 0.375rem; }

.advantage-card { padding: var(--space-5); border: var(--border); background: var(--white); transition: all var(--transition); }
.advantage-card:hover { border-color: rgba(192,154,82,0.4); box-shadow: var(--shadow-hover); transform: translateY(-3px); }
.advantage-card .icon { display: flex; align-items: center; justify-content: center; width: 48px; height: 48px; border: 1px solid var(--ivory-3); color: var(--emerald); font-size: 1.125rem; margin-bottom: var(--space-4); }
.advantage-card h4 { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 400; color: var(--emerald); margin-bottom: 0.875rem; }
.advantage-card p { font-size: 0.9375rem; color: var(--ink-muted); line-height: 1.7; }

.client-card { padding: var(--space-5); border: var(--border); border-top: 2px solid var(--emerald); background: var(--white); }
.client-card:nth-child(2) { border-top-color: var(--gold); }
.client-card:nth-child(3) { border-top-color: var(--emerald); }
.client-card:nth-child(4) { border-top-color: var(--gold); }
.client-card h4 { font-family: var(--font-sans); font-size: 0.875rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.875rem; color: var(--emerald); }
.client-card p { font-size: 0.9375rem; color: var(--ink-muted); line-height: 1.65; }

#get-started .form-panel { background: var(--white); border: var(--border); padding: var(--space-6); }
#get-started .form-panel h3 { font-size: 1.75rem; margin-bottom: var(--space-5); color: var(--emerald); }
select.form-control option { background: #fff; color: var(--ink); }

/* ============================================================ ABOUT PAGE & SHARED HEADER */
.page-header-dark { background: var(--emerald-3); color: var(--ivory); padding-top: 9rem; padding-bottom: var(--space-8); border-bottom: var(--border); }
.page-header-dark .eyebrow { color: var(--gold); }
.page-header-dark h1 { color: var(--ivory); font-size: clamp(2.75rem, 5vw, 5rem); max-width: 18ch; }
.page-header-dark p { color: rgba(248,246,241,0.65); font-size: 1.125rem; max-width: 60ch; margin-top: var(--space-3); }

.stat-item { padding: var(--space-6) var(--space-5); border-right: var(--border); }
.stat-item:last-child { border-right: none; }

.value-card { padding: var(--space-5); border: 1px solid var(--glass-border); border-top: 3px solid var(--emerald); background: var(--glass-bg); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); box-shadow: var(--glass-shadow); transition: all var(--transition); border-radius: 6px; }
.value-card:nth-child(even) { border-top-color: var(--gold); }
.value-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); }
.value-card h4 { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 400; color: var(--emerald); margin-bottom: 0.875rem; }
.value-card p { font-size: 0.9375rem; color: var(--ink-muted); line-height: 1.65; }

.credential-badge { display: inline-flex; align-items: center; gap: 0.625rem; padding: 0.5rem 1rem; border: var(--border); background: var(--ivory); font-size: 0.8125rem; font-weight: 500; color: var(--emerald); margin-top: var(--space-4); }
.credential-badge .dot { width: 7px; height: 7px; background: var(--emerald-3); border-radius: 50%; }

/* ============================================================ PRODUCTS PAGE */
.instrument-section { padding-block: var(--space-9); border-bottom: var(--border); }
.instrument-section:last-of-type { border-bottom: none; }
.instrument-section.alt { background: var(--ivory-2); }

.instrument-layout { display: grid; grid-template-columns: 1fr 1.4fr; gap: var(--space-8); align-items: start; }
.instrument-layout.reversed { grid-template-columns: 1.4fr 1fr; }
.instrument-layout.reversed .instrument-content-panel { order: 2; }
.instrument-layout.reversed .instrument-detail-panel { order: 1; }

@media (max-width: 900px) {
  .instrument-layout, .instrument-layout.reversed { grid-template-columns: 1fr; }
  .instrument-layout.reversed .instrument-content-panel, .instrument-layout.reversed .instrument-detail-panel { order: unset; }
}

.instrument-number { font-family: var(--font-serif); font-size: 6rem; line-height: 1; color: var(--ivory-3); margin-bottom: -1.5rem; letter-spacing: -0.04em; display: block; }
.instrument-content-panel h2 { font-size: clamp(1.75rem, 3vw, 2.75rem); margin-bottom: var(--space-3); }
.instrument-content-panel p { color: var(--ink-muted); margin-bottom: 1.75rem; font-size: 1.0625rem; line-height: 1.75; }

.instrument-detail-panel { background: var(--glass-bg); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border: 1px solid var(--glass-border); box-shadow: var(--glass-shadow); border-radius: 6px; }
.detail-row { padding: 1.5rem 2rem; border-bottom: var(--border); display: grid; grid-template-columns: 1fr 1.5fr; gap: 1rem; }
.detail-row:last-child { border-bottom: none; }
.detail-label { font-size: 0.8rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-light); padding-top: 0.2rem; }
.detail-value { font-size: 0.9375rem; color: var(--ink); line-height: 1.6; }
.detail-value strong { color: var(--emerald); font-weight: 500; }
.detail-header { padding: 1.75rem 2rem; background: var(--ivory-2); border-bottom: var(--border); }
.detail-header h5 { font-size: 0.8rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.12em; color: var(--ink-muted); }

.benefits-list { display: flex; flex-direction: column; gap: 0.875rem; margin-bottom: var(--space-5); }
.benefits-list li { display: flex; align-items: flex-start; gap: 0.875rem; font-size: 0.9375rem; color: var(--ink-muted); line-height: 1.6; }
.benefits-list li::before { content: ''; display: inline-block; width: 18px; height: 18px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Crect width='18' height='18' fill='%232D9F26' rx='1'/%3E%3Cpath d='M4.5 9l3 3 6-6' stroke='white' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat; flex-shrink: 0; margin-top: 0.15rem; }

.reinsurance-strip { background: var(--emerald-3); color: var(--ivory); padding: var(--space-7) 0; }
.reinsurer-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(248,246,241,0.08); border: 1px solid rgba(248,246,241,0.08); margin-top: var(--space-6); }
@media (max-width: 768px) { .reinsurer-grid { grid-template-columns: repeat(2, 1fr); } }
.reinsurer-cell { padding: var(--space-5); background: rgba(29,110,24,0.6); text-align: center; }
.reinsurer-name { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 400; color: var(--ivory); margin-bottom: 0.5rem; }
.reinsurer-type { font-size: 0.75rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(248,246,241,0.5); }

.vs-wrapper { overflow-x: auto; border: var(--border); }

.scenario-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--ivory-3); border: var(--border); }
@media (max-width: 768px) { .scenario-grid { grid-template-columns: 1fr; } }
.scenario-cell { background: var(--white); padding: var(--space-5); }
.scenario-tag { font-size: 0.75rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); margin-bottom: 0.875rem; display: block; }
.scenario-cell h5 { font-family: var(--font-serif); font-size: 1.125rem; font-weight: 400; color: var(--emerald); margin-bottom: 0.875rem; }
.scenario-cell p { font-size: 0.9125rem; color: var(--ink-muted); line-height: 1.65; }
.scenario-result { display: inline-block; margin-top: 1rem; font-size: 0.875rem; font-weight: 600; color: var(--emerald); }

/* ============================================================
   MOBILE NAVIGATION — HAMBURGER MENU
   ============================================================ */
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 48px;
  height: 48px;
  background: transparent;
  border: none;
  cursor: pointer;
  z-index: 1001;
  padding: 0;
  gap: 6px;
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
}

.mobile-menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--emerald);
  transition: all 0.35s var(--ease);
  transform-origin: center;
  border-radius: 1px;
}

/* Hamburger → X animation (corrected offset: 6px gap + 2px bar = 8px) */
.mobile-menu-toggle.active span:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.mobile-menu-toggle.active span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.mobile-menu-toggle.active span:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* Body scroll lock when menu is open */
body.menu-open {
  overflow: hidden;
  position: fixed;
  width: 100%;
  height: 100%;
}

/* ============================================================
   RESPONSIVE: TABLET (≤1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .grid-3, .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .reinsurance-panel {
    grid-template-columns: 1fr;
    padding: var(--space-6);
  }

  .instrument-layout,
  .instrument-layout.reversed {
    grid-template-columns: 1fr;
    gap: var(--space-5);
  }

  .instrument-layout.reversed .instrument-content-panel,
  .instrument-layout.reversed .instrument-detail-panel {
    order: unset;
  }

  /* About page expertise 3-col */
  .about-expertise-grid {
    grid-template-columns: 1fr !important;
  }
}

/* ============================================================
   RESPONSIVE: SMALL TABLET / LARGE MOBILE (≤768px)
   ============================================================ */
@media (max-width: 768px) {
  /* --- Mobile Menu --- */
  .mobile-menu-toggle {
    display: flex;
  }

  .nav-links {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(29, 110, 24, 0.97);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-20px);
    transition: opacity 0.4s var(--ease), transform 0.4s var(--ease), visibility 0.4s;
    z-index: 1000;
    padding: 5rem 2rem;
    padding-top: max(5rem, env(safe-area-inset-top, 5rem));
  }

  .nav-links.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }

  .nav-links a {
    font-size: 1.125rem;
    color: rgba(248, 246, 241, 0.85);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    padding: 1.25rem 0;
    border-bottom: 1px solid rgba(248, 246, 241, 0.08);
    width: 100%;
    text-align: center;
    transition: color 0.3s var(--ease);
    -webkit-tap-highlight-color: transparent;
  }

  .nav-links a:hover,
  .nav-links a:focus {
    color: var(--gold);
  }

  .nav-links a::after {
    display: none;
  }

  .nav-links .btn.btn-dark {
    background: var(--gold);
    color: var(--emerald-3);
    border-color: var(--gold);
    margin-top: 2rem;
    padding: 1.125rem 2.5rem;
    width: auto;
    border-bottom: none;
    font-weight: 600;
    border-radius: 4px;
  }

  /* Mobile hamburger icon color when menu open */
  .mobile-menu-toggle.active span {
    background: var(--ivory);
  }

  /* --- Typography --- */
  h1 { font-size: clamp(2.25rem, 8vw, 3rem); }
  h2 { font-size: clamp(1.75rem, 5vw, 2.5rem); }
  h3 { font-size: 1.25rem; }

  .hero-title {
    font-size: clamp(2.5rem, 9vw, 3.5rem) !important;
    max-width: 100%;
  }

  .hero-desc {
    font-size: 1rem;
    max-width: 100%;
  }

  .hero-content {
    padding-bottom: 5rem;
  }

  .hero {
    min-height: 85vh;
    min-height: 85dvh;
  }

  /* --- Layout --- */
  section { padding-block: var(--space-6); }

  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: 1fr;
    gap: var(--space-4);
  }

  .container {
    padding-inline: 1.25rem;
  }

  /* Section header */
  .section-header {
    margin-bottom: var(--space-5);
  }

  .section-header p {
    font-size: 1rem;
  }

  /* --- Stats Strip --- */
  .stats-strip {
    grid-template-columns: 1fr;
  }

  .stats-strip-item {
    border-right: none;
    border-bottom: var(--border);
    padding: var(--space-4) var(--space-5);
  }

  .stats-strip-item:last-child {
    border-bottom: none;
  }

  .stat-num {
    font-size: 2.75rem;
  }

  /* --- About page stat row --- */
  .stat-item {
    border-right: none;
    border-bottom: var(--border);
    padding: var(--space-4) var(--space-5);
  }

  .stat-item:last-child {
    border-bottom: none;
  }

  /* --- Timeline (single column) --- */
  .timeline::after {
    left: 1rem;
  }

  .timeline-item {
    width: 100%;
    padding-left: 3rem;
    padding-right: 0.5rem;
  }

  .timeline-item.left,
  .timeline-item.right {
    left: 0;
  }

  .timeline-item::after,
  .timeline-item.right::after {
    left: 0.55rem;
    right: auto;
  }

  /* --- CTA Banner --- */
  .cta-banner-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .cta-banner-inner > div:last-child {
    display: flex;
    justify-content: center;
  }

  /* About/Products CTA (inline styled grids) */
  [style*="grid-template-columns: 1fr auto"] {
    grid-template-columns: 1fr !important;
    text-align: center;
  }

  [style*="grid-template-columns: 1fr auto"] > div:last-child {
    display: flex;
    justify-content: center;
  }

  /* --- Footer --- */
  .footer-grid {
    grid-template-columns: 1fr;
    gap: var(--space-4);
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 0.75rem;
  }

  .footer-bottom-links {
    justify-content: center;
  }

  footer {
    padding: var(--space-6) 1.25rem var(--space-5);
    padding-bottom: max(var(--space-5), env(safe-area-inset-bottom, var(--space-5)));
  }

  /* --- Contact Form — stacked inner grids --- */
  .contact-container {
    grid-template-columns: 1fr;
    gap: var(--space-5);
  }

  .contact-container .grid-2,
  #get-started .grid-2,
  #pipeline-form .grid-2 {
    grid-template-columns: 1fr !important;
    gap: 0 !important;
  }

  /* --- Tables --- */
  .table-container,
  .vs-wrapper {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: 4px;
  }

  table {
    min-width: 560px;
  }

  th, td {
    padding: 1rem 1.25rem;
    font-size: 0.875rem;
  }

  /* --- AI Chat Widget --- */
  #ai-chat-widget {
    width: calc(100vw - 2rem);
    right: 1rem;
    bottom: 1rem;
    border-radius: 8px;
    overflow: hidden;
  }

  #ai-chat-body {
    height: 320px;
  }

  /* --- Page Header Dark --- */
  .page-header-dark {
    padding-top: 7rem;
    padding-bottom: var(--space-6);
  }

  .page-header-dark h1 {
    font-size: clamp(2rem, 7vw, 3rem);
  }

  /* --- Products: instrument layout --- */
  .instrument-layout,
  .instrument-layout.reversed {
    grid-template-columns: 1fr;
    gap: var(--space-5);
  }

  .instrument-layout.reversed .instrument-content-panel,
  .instrument-layout.reversed .instrument-detail-panel {
    order: unset;
  }

  .instrument-number {
    font-size: 4rem;
    margin-bottom: -1rem;
  }

  /* Detail panel rows stack */
  .detail-row {
    grid-template-columns: 1fr;
    gap: 0.375rem;
    padding: 1.25rem 1.5rem;
  }

  .detail-header {
    padding: 1.25rem 1.5rem;
  }

  /* --- Reinsurer Grid --- */
  .reinsurer-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  /* --- Scenario Grid --- */
  .scenario-grid {
    grid-template-columns: 1fr;
  }

  .scenario-cell[style*="border-left"] {
    border-left: none !important;
  }

  .scenario-cell[style*="border-top"] {
    border-top: var(--border) !important;
  }

  .scenario-cell {
    border-bottom: var(--border);
  }

  .scenario-cell:last-child {
    border-bottom: none;
  }

  /* --- Buttons: more tap-friendly --- */
  .btn {
    padding: 1rem 1.75rem;
    font-size: 0.8125rem;
    width: 100%;
    justify-content: center;
    text-align: center;
    min-height: 48px;
    -webkit-tap-highlight-color: transparent;
    touch-action: manipulation;
  }

  .hero-cta .btn,
  .cta-banner .btn,
  [style*="flex-shrink: 0"] .btn {
    width: auto;
  }

  .hero-cta {
    flex-direction: column;
    gap: 1rem;
    align-items: stretch;
  }

  .hero-cta .btn {
    width: 100%;
  }

  /* --- Advantage / Client cards --- */
  .advantage-card,
  .client-card {
    padding: var(--space-4);
  }

  /* --- Reinsurance Panel --- */
  .reinsurance-panel {
    grid-template-columns: 1fr;
    padding: var(--space-5);
    gap: var(--space-5);
  }

  .reinsurance-metric .num {
    font-size: 2rem;
  }

  /* --- Endorsement trust metrics row — force stack --- */
  [style*="text-align: center"][style*="border-left"] {
    border-left: none !important;
    border-right: none !important;
    border-top: var(--border);
    padding-top: var(--space-4);
  }

  [style*="text-align: center"][style*="border-right"] {
    border-left: none !important;
    border-right: none !important;
    border-top: var(--border);
    padding-top: var(--space-4);
  }

  /* Endorsement cards — reduce internal padding */
  #endorsements .grid-3 > div {
    padding: var(--space-4) !important;
  }

  #endorsements .grid-3 > div p[style*="font-family: var(--font-serif)"] {
    font-size: 1rem !important;
    line-height: 1.6 !important;
  }

  /* --- About page inline grids --- */

  /* Purpose/Mission/Vision 3-col grid */
  [style*="grid-template-columns: repeat(3, 1fr)"] {
    grid-template-columns: 1fr !important;
    gap: var(--space-4) !important;
  }

  /* Purpose/Mission/Vision cards — reduce padding */
  [style*="padding: var(--space-7) var(--space-6)"] {
    padding: var(--space-5) var(--space-4) !important;
  }

  /* About page expertise 3-col with border */
  [style*="grid-template-columns: repeat(3,1fr)"][style*="border"] {
    grid-template-columns: 1fr !important;
  }

  [style*="grid-template-columns: repeat(3,1fr)"] > div[style*="border-right"] {
    border-right: none !important;
    border-bottom: var(--border);
  }

  /* About page expertise header 2-col */
  [style*="grid-template-columns: 1fr 1fr"] {
    grid-template-columns: 1fr !important;
    gap: var(--space-4) !important;
  }

  /* About page stats inline 3-col */
  [style*="grid-template-columns: repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }

  /* --- Executive Summary inline gap control --- */
  [style*="gap: var(--space-8)"] {
    gap: var(--space-5) !important;
  }

  /* --- KPI Strip --- */
  .kpi-strip .stats-strip {
    grid-template-columns: 1fr;
  }

  .kpi-strip .stats-strip-item {
    border-right: none;
    border-bottom: var(--border);
  }

  .kpi-strip .stats-strip-item:last-child {
    border-bottom: none;
  }

  /* --- Nav adjustments --- */
  nav {
    height: 4rem;
    padding: 0 1.25rem;
  }

  .nav-brand img {
    height: 30px;
  }

  .nav-brand-name {
    font-size: 0.9375rem;
  }

  /* --- Inline style overrides for heavy padding/gaps --- */
  [style*="padding: var(--space-7)"] {
    padding: var(--space-5) !important;
  }

  /* Fix inline font sizes that are too large on mobile */
  [style*="font-size: 3rem"] {
    font-size: 2.25rem !important;
  }

  /* Instrument section spacing */
  .instrument-section {
    padding-block: var(--space-6);
  }

  /* Reinsurance strip spacing */
  .reinsurance-strip {
    padding: var(--space-6) 0;
  }

  /* Benefits list touch spacing */
  .benefits-list li {
    padding: 0.25rem 0;
  }

  /* Form panel padding */
  #get-started .form-panel {
    padding: var(--space-4) !important;
  }

  /* Section header responsive max-width */
  .section-header.centered {
    max-width: 100%;
  }
}

/* ============================================================
   RESPONSIVE: SMALL MOBILE (≤480px)
   ============================================================ */
@media (max-width: 480px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.125rem; }

  .hero-title {
    font-size: 2.25rem !important;
  }

  .hero-desc {
    font-size: 0.9375rem;
    line-height: 1.6;
  }

  .hero-content {
    padding-bottom: 4rem;
  }

  .hero {
    min-height: 75vh;
    min-height: 75dvh;
  }

  .hero-badge {
    font-size: 0.6875rem;
    margin-bottom: 1.5rem;
  }

  section {
    padding-block: var(--space-5);
  }

  .stat-num {
    font-size: 2.25rem;
  }

  .container {
    padding-inline: 1rem;
  }

  .eyebrow {
    font-size: 0.6875rem;
    margin-bottom: 1rem;
  }

  .section-divider {
    margin-block: var(--space-3) var(--space-4);
  }

  .instrument-number {
    font-size: 3rem;
    margin-bottom: -0.75rem;
  }

  .instrument-card {
    padding: var(--space-4);
  }

  .instrument-card h4 {
    font-size: 1.125rem;
  }

  .instrument-card p {
    font-size: 0.875rem;
  }

  .form-group {
    margin-bottom: 1.25rem;
  }

  .form-control {
    padding: 0.875rem 1rem;
    font-size: 1rem; /* prevents iOS zoom on focus */
  }

  textarea.form-control {
    min-height: 120px;
  }

  /* Page header */
  .page-header-dark {
    padding-top: 5.5rem;
    padding-bottom: var(--space-5);
  }

  .page-header-dark h1 {
    font-size: 1.75rem !important;
  }

  .page-header-dark p {
    font-size: 0.9375rem;
  }

  /* Footer */
  .footer-brand p {
    font-size: 0.875rem;
    max-width: 100%;
  }

  .footer-brand h2 {
    font-size: 1.125rem;
  }

  .footer-links a {
    font-size: 0.875rem;
    padding: 0.25rem 0;
  }

  .footer-bottom {
    font-size: 0.75rem;
  }

  .footer-bottom-links {
    gap: 1rem;
    flex-wrap: wrap;
  }

  /* Chat widget — bottom sheet style */
  #ai-chat-widget {
    width: 100vw;
    right: 0;
    bottom: 0;
    border-radius: 12px 12px 0 0;
  }

  #ai-chat-header {
    border-radius: 12px 12px 0 0;
    padding: 0.875rem 1rem;
    font-size: 0.8125rem;
  }

  #ai-chat-body {
    height: 280px;
  }

  #ai-chat-input {
    font-size: 1rem; /* prevents iOS zoom */
  }

  /* Endorsement cards */
  #endorsements .grid-3 > div {
    padding: var(--space-3) !important;
  }

  #endorsements .grid-3 > div p[style*="font-family: var(--font-serif)"] {
    font-size: 0.9375rem !important;
    line-height: 1.55 !important;
  }

  /* Trust metrics */
  [style*="font-size: 3rem"][style*="font-family: var(--font-serif)"] {
    font-size: 2rem !important;
  }

  /* Partners marquee */
  .partners-strip {
    padding-block: 1rem;
  }

  .partners-track {
    gap: 2.5rem;
  }

  .partners-track span {
    font-size: 0.6875rem;
  }

  /* Nav */
  nav {
    height: 3.5rem;
    padding: 0 1rem;
  }

  .nav-brand img {
    height: 26px;
  }

  .nav-brand-name {
    font-size: 0.8125rem;
    letter-spacing: 0.02em;
  }

  /* Hero CTA */
  .hero-cta .btn {
    width: 100%;
    justify-content: center;
    padding: 1rem;
  }

  /* Reinsurer cells */
  .reinsurer-name {
    font-size: 1rem;
  }

  .reinsurer-type {
    font-size: 0.6875rem;
  }

  .reinsurer-cell {
    padding: var(--space-4);
  }

  /* Detail panel */
  .detail-row {
    padding: 1rem 1.25rem;
  }

  .detail-header {
    padding: 1.25rem;
  }

  .detail-label {
    font-size: 0.75rem;
  }

  .detail-value {
    font-size: 0.875rem;
  }

  /* Benefits list */
  .benefits-list li {
    font-size: 0.875rem;
  }

  /* About page — Purpose/Mission/Vision cards */
  [style*="padding: var(--space-7) var(--space-6)"] {
    padding: var(--space-4) !important;
  }

  /* About page — Expertise panels numbered header */
  [style*="padding: var(--space-5) var(--space-5) var(--space-4)"] {
    padding: var(--space-4) !important;
  }

  /* About page — Expertise panels body */
  [style*="padding: var(--space-6) var(--space-5)"] {
    padding: var(--space-4) !important;
  }

  /* About page — Expertise panels stat footer */
  [style*="padding: var(--space-4) var(--space-5)"][style*="display:flex"][style*="gap:1rem"] {
    padding: var(--space-3) var(--space-4) !important;
  }

  /* Regulatory cards */
  [style*="display: flex"][style*="align-items: flex-start"][style*="gap: var(--space-4)"] {
    flex-direction: column !important;
  }

  /* Timeline adjustments */
  .timeline-content {
    padding: 1.25rem;
  }

  .timeline-content h4 {
    font-size: 1.125rem !important;
  }

  /* Scenario grid */
  .scenario-cell {
    padding: var(--space-4);
  }

  .scenario-cell h5 {
    font-size: 1rem;
  }

  .scenario-cell p {
    font-size: 0.875rem;
  }

  /* Custom list */
  .custom-list li {
    font-size: 0.875rem;
  }

  /* Credential badge */
  .credential-badge {
    font-size: 0.75rem;
    padding: 0.375rem 0.75rem;
    flex-wrap: wrap;
  }

  /* CTA banner */
  .cta-banner {
    padding: var(--space-6) 0;
  }

  /* Advantage card */
  .advantage-card .icon {
    width: 42px;
    height: 42px;
    font-size: 1rem;
  }

  .advantage-card h4 {
    font-size: 1.125rem;
  }

  .advantage-card p {
    font-size: 0.875rem;
  }

  /* Client card */
  .client-card h4 {
    font-size: 0.8125rem;
  }

  .client-card p {
    font-size: 0.875rem;
  }

  /* Reinsurance metric */
  .reinsurance-metric {
    padding: var(--space-3);
    margin-bottom: var(--space-3);
  }

  .reinsurance-metric .num {
    font-size: 1.75rem;
  }

  .reinsurance-metric p {
    font-size: 0.8125rem;
  }

  /* About page section_header max-width reset */
  .section-header {
    max-width: 100%;
  }

  /* Inline font size overrides for about page content */
  [style*="font-size: 1.0625rem"] {
    font-size: 0.9375rem !important;
  }

  [style*="font-size: 1.125rem"] {
    font-size: 1rem !important;
  }

  /* About stat item inline grid */
  [style*="display: grid"][style*="grid-template-columns: repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }

  [style*="display: grid"][style*="grid-template-columns: repeat(3, 1fr)"] {
    grid-template-columns: 1fr !important;
  }
}

/* ============================================================
   TOUCH DEVICE ENHANCEMENTS
   ============================================================ */
@media (hover: none) and (pointer: coarse) {
  /* Disable hover effects on touch devices */
  .glass-panel-premium:hover,
  .card:hover,
  .advantage-card:hover,
  .instrument-card:hover,
  .value-card:hover {
    transform: none;
  }

  /* Ensure tap targets are adequate */
  a, button, input, select, textarea, [role="button"] {
    min-height: 44px;
  }

  .footer-links a {
    min-height: 44px;
    display: flex;
    align-items: center;
  }

  /* Add active states instead of hover for feedback */
  .btn:active {
    transform: scale(0.97);
    opacity: 0.9;
  }

  .glass-panel-premium:active,
  .card:active,
  .advantage-card:active,
  .instrument-card:active {
    transform: scale(0.99);
    box-shadow: var(--shadow-hover);
  }
}

/* ============================================================
   SAFE AREA INSETS (notch / home indicator)
   ============================================================ */
@supports (padding: max(0px)) {
  .hero-content {
    padding-left: max(var(--container-pad), env(safe-area-inset-left));
    padding-right: max(var(--container-pad), env(safe-area-inset-right));
  }

  nav {
    padding-left: max(1.25rem, env(safe-area-inset-left));
    padding-right: max(1.25rem, env(safe-area-inset-right));
  }
}

/* ============================================================
   LANDSCAPE MOBILE
   ============================================================ */
@media (max-height: 500px) and (orientation: landscape) {
  .hero {
    min-height: 100vh;
    min-height: 100dvh;
  }

  .hero-content {
    padding-bottom: 3rem;
  }

  .hero-title {
    font-size: 2.5rem !important;
  }

  .hero-desc {
    font-size: 0.875rem;
    margin-bottom: 1.5rem;
  }

  .nav-links {
    padding-top: 3.5rem;
    gap: 0;
  }

  .nav-links a {
    padding: 0.75rem 0;
    font-size: 0.9375rem;
  }
}