/* =================================================================
   VISA TO KEYS — Health Insurance Lead Form
   Brand system from BRAND-IDENTITY.md (Mediterranean luxury)
   ================================================================= */

/* ---------- 0. RESET ---------- */
*,
*::before,
*::after { box-sizing: border-box; }
html, body, h1, h2, h3, h4, p, ul, ol, fieldset, legend, figure, blockquote {
  margin: 0;
  padding: 0;
}
fieldset { border: 0; }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
input, select, textarea, button { font-family: inherit; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* ---------- 1. TOKENS ---------- */
:root {
  --c-navy:        #0E1F33;
  --c-navy-soft:   #1A2F4A;
  --c-ivory:       #F7F1E5;
  --c-ivory-warm:  #FBF6EB;
  --c-gold:        #B68A4F;
  --c-gold-soft:   rgba(182, 138, 79, 0.4);
  --c-gold-line:   rgba(182, 138, 79, 0.25);
  --c-terracotta:  #C16E4A;
  --c-sand:        #E8DDC9;
  --c-sand-soft:   #F1E9D7;
  --c-charcoal:    #1A1A1A;
  --c-stone:       #6B6358;
  --c-pearl:       #FFFFFF;
  --c-success:     #5B6B3A;

  --f-display: 'Playfair Display', 'Cormorant Garamond', Georgia, serif;
  --f-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 20px;

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --t-fast: 200ms;
  --t-med:  320ms;

  --container-max: 1140px;
  --container-pad: clamp(1.25rem, 4vw, 2.5rem);
}

/* ---------- 2. BASE ---------- */
html { scroll-behavior: smooth; }
body {
  font-family: var(--f-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--c-charcoal);
  background: var(--c-ivory);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

/* Soft parchment grain — only on hero */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background-image:
    radial-gradient(circle at 18% 18%, rgba(182, 138, 79, 0.07), transparent 45%),
    radial-gradient(circle at 82% 78%, rgba(193, 110, 74, 0.05), transparent 40%);
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding-inline: var(--container-pad);
  position: relative;
  z-index: 1;
}

.section { padding-block: clamp(3rem, 7vw, 5.5rem); }

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ---------- 3. TYPOGRAPHY ---------- */
.display {
  font-family: var(--f-display);
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.08;
  color: var(--c-navy);
}
h1.display { font-size: clamp(2.25rem, 5.5vw, 3.75rem); }
h2.display { font-size: clamp(1.75rem, 4vw, 2.5rem); line-height: 1.15; }
h3.display { font-size: clamp(1.35rem, 2.6vw, 1.65rem); line-height: 1.25; }
.display em { font-style: italic; color: var(--c-terracotta); font-weight: 600; }

.lead {
  font-size: clamp(1rem, 1.25vw, 1.125rem);
  color: var(--c-stone);
  max-width: 52ch;
}

.eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--c-stone);
  margin-bottom: 0.85rem;
}
.eyebrow.gold { color: var(--c-gold); }
.eyebrow.muted { color: var(--c-stone); opacity: 0.7; }

.hint {
  font-weight: 400;
  font-size: 0.78rem;
  color: var(--c-stone);
  letter-spacing: 0;
  text-transform: none;
}

/* ---------- 4. HEADER ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 241, 229, 0.92);
  backdrop-filter: saturate(180%) blur(10px);
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--c-gold-line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: 1rem;
  gap: 1rem;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
}
.brand-mark {
  color: var(--c-gold);
  display: inline-flex;
}
.brand-wordmark {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}
.brand-name {
  font-family: var(--f-display);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--c-navy);
}
.brand-by {
  font-size: 0.68rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--c-stone);
  margin-top: 2px;
}
.header-cta {
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--c-navy);
  padding: 0.55rem 1.1rem;
  border: 1px solid var(--c-navy);
  border-radius: var(--r-sm);
  transition: background var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.header-cta:hover {
  background: var(--c-navy);
  color: var(--c-ivory);
}

/* ---------- 5. BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  padding: 0.95rem 1.55rem;
  border-radius: var(--r-sm);
  transition: background var(--t-fast) var(--ease), color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease), transform var(--t-fast) var(--ease);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: var(--c-navy);
  color: var(--c-ivory);
}
.btn-primary:hover {
  background: var(--c-gold);
  color: var(--c-navy);
}
.btn-primary:active { transform: translateY(1px); }
.btn-ghost {
  background: transparent;
  color: var(--c-navy);
  border: 1px solid transparent;
}
.btn-ghost:hover {
  border-color: var(--c-navy);
}

/* ---------- 6. HERO ---------- */
.hero {
  position: relative;
  padding-block: clamp(3rem, 7vw, 5.5rem);
  background:
    linear-gradient(180deg, var(--c-ivory) 0%, var(--c-ivory-warm) 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.hero-copy { max-width: 38rem; }
.hero-copy .lead { margin-block: 1.25rem 1.75rem; }
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem 1.25rem;
  margin-bottom: 2rem;
}
.hero-meta {
  font-size: 0.85rem;
  color: var(--c-stone);
}
.hero-proof {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.6rem 1.5rem;
  font-size: 0.95rem;
  color: var(--c-navy);
}
.hero-proof li {
  display: flex;
  align-items: center;
  gap: 0.55rem;
}
.check {
  display: inline-block;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  border-radius: 50%;
  background: var(--c-gold);
  position: relative;
}
.check::after {
  content: "";
  position: absolute;
  left: 5px; top: 3px;
  width: 5px; height: 9px;
  border: solid var(--c-ivory);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

/* Hero portrait */
.hero-portrait {
  position: relative;
}
.portrait-frame {
  position: relative;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: var(--r-lg);
  background: var(--c-sand);
  border: 1px solid var(--c-gold-line);
}
.portrait-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.portrait-cap {
  position: absolute;
  left: 1rem;
  bottom: 1rem;
  background: rgba(14, 31, 51, 0.88);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--c-ivory);
  padding: 0.65rem 0.95rem;
  border-radius: var(--r-sm);
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.cap-name {
  font-family: var(--f-display);
  font-size: 1rem;
  font-weight: 600;
}
.cap-role {
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--c-gold);
  margin-top: 2px;
}

/* ---------- 7. TRUST STRIP ---------- */
.trust-strip {
  background: var(--c-navy);
  color: var(--c-ivory);
  padding-block: 1.75rem;
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.2;
  flex: 1;
  min-width: 140px;
}
.trust-item strong {
  font-family: var(--f-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--c-gold);
}
.trust-item span {
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-ivory);
  opacity: 0.8;
  margin-top: 4px;
}
.trust-sep {
  width: 1px;
  height: 32px;
  background: var(--c-gold-soft);
}

/* ---------- 8. QUOTE SECTION ---------- */
.quote-section {
  background: var(--c-ivory-warm);
  border-top: 1px solid var(--c-gold-line);
  border-bottom: 1px solid var(--c-gold-line);
}
.quote-wrap {
  max-width: 680px;
  margin: 0 auto;
}
.form-intro {
  text-align: center;
  margin-bottom: 2.5rem;
}
.form-intro .lead {
  margin: 1rem auto 0;
}

/* ---------- 9. FORM CARD ---------- */
.form-card {
  background: var(--c-pearl);
  border-radius: var(--r-lg);
  border: 1px solid var(--c-gold-line);
  padding: clamp(1.5rem, 3.5vw, 2.5rem);
  position: relative;
}
.hp { position: absolute; left: -9999px; }

/* Progress */
.form-progress { margin-bottom: 2rem; }
.progress-bar {
  height: 3px;
  background: var(--c-sand);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 0.75rem;
}
.progress-fill {
  display: block;
  height: 100%;
  background: var(--c-gold);
  transition: width var(--t-med) var(--ease);
}
.progress-steps {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}
.progress-step {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-stone);
  opacity: 0.6;
  transition: all var(--t-fast) var(--ease);
}
.progress-step.is-active {
  opacity: 1;
  color: var(--c-navy);
  font-weight: 500;
}

/* Form steps */
.form-step {
  display: none;
  animation: fadeIn 320ms var(--ease);
}
.form-step.is-active { display: block; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Field layout */
.field {
  display: flex;
  flex-direction: column;
  margin-bottom: 1.25rem;
}
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.field-row .field { margin-bottom: 1.25rem; }

.field label {
  font-size: 0.78rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--c-navy);
  margin-bottom: 0.55rem;
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="date"],
.field input[type="number"],
.field select,
.field textarea {
  width: 100%;
  min-height: 56px;
  padding: 0.85rem 1rem;
  font-size: 1rem;
  font-family: var(--f-body);
  color: var(--c-charcoal);
  background: var(--c-sand-soft);
  border: 1px solid transparent;
  border-radius: var(--r-sm);
  transition: border-color var(--t-fast) var(--ease), background var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
  appearance: none;
  -webkit-appearance: none;
}
.field textarea {
  min-height: 110px;
  resize: vertical;
  line-height: 1.55;
  padding-top: 1rem;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  background: var(--c-pearl);
  border-color: var(--c-gold);
  box-shadow: 0 0 0 4px rgba(182, 138, 79, 0.12);
}
.field input.is-invalid,
.field select.is-invalid,
.field textarea.is-invalid {
  border-color: var(--c-terracotta);
  background: #fbeee8;
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%230E1F33' stroke-width='1.8'%3E%3Cpath d='M3 6l5 5 5-5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 14px;
  padding-right: 2.75rem;
}
.helper {
  display: block;
  font-size: 0.82rem;
  color: var(--c-stone);
  margin-top: 0.45rem;
  line-height: 1.5;
}
.helper-row { margin-top: -0.5rem; margin-bottom: 1.25rem; }

/* Option pills (radio/checkbox) */
.option-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.6rem;
}
.option-grid.two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.option {
  position: relative;
  cursor: pointer;
}
.option input {
  position: absolute;
  opacity: 0;
  inset: 0;
  width: 100%;
  height: 100%;
  cursor: pointer;
}
.option span {
  display: block;
  padding: 0.95rem 1rem;
  font-size: 0.95rem;
  text-align: center;
  background: var(--c-sand-soft);
  border: 1px solid transparent;
  border-radius: var(--r-sm);
  transition: all var(--t-fast) var(--ease);
  color: var(--c-navy);
  line-height: 1.3;
}
.option:hover span { background: var(--c-sand); }
.option input:checked + span {
  background: var(--c-navy);
  color: var(--c-ivory);
  border-color: var(--c-navy);
}
.option input:focus-visible + span {
  box-shadow: 0 0 0 4px rgba(182, 138, 79, 0.18);
}

/* DOB block — multi-person policy section */
.dob-field {
  background: var(--c-ivory-warm);
  border: 1px solid var(--c-gold-line);
  border-left: 3px solid var(--c-gold);
  border-radius: var(--r-md);
  padding: 1.25rem;
  margin-bottom: 1.5rem;
}
.dob-heading {
  font-family: var(--f-display);
  font-size: 1.1rem !important;
  font-weight: 600 !important;
  text-transform: none !important;
  letter-spacing: -0.01em !important;
  color: var(--c-navy) !important;
  margin-bottom: 0.4rem !important;
  line-height: 1.3 !important;
}
.dob-helper {
  margin-top: 0;
  margin-bottom: 1rem;
  font-size: 0.86rem;
  color: var(--c-stone);
}

.dob-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 1rem;
}
.dob-row {
  display: grid;
  grid-template-columns: 36px 1fr auto;
  gap: 0.75rem;
  align-items: center;
  background: var(--c-pearl);
  border: 1px solid var(--c-gold-line);
  border-radius: var(--r-sm);
  padding: 0.75rem;
  transition: border-color var(--t-fast) var(--ease);
}
.dob-row:focus-within { border-color: var(--c-gold); }

.dob-num {
  width: 36px;
  height: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--c-navy);
  color: var(--c-gold);
  font-family: var(--f-display);
  font-size: 1rem;
  font-weight: 600;
}

.dob-inputs {
  display: grid;
  grid-template-columns: 0.85fr 1fr;
  gap: 0.5rem;
}
.dob-row input[type="date"],
.dob-row input[type="text"],
.dob-row select {
  min-height: 48px;
  padding: 0.65rem 0.85rem;
  font-size: 0.95rem;
  background: var(--c-sand-soft);
  border: 1px solid transparent;
  border-radius: var(--r-sm);
  font-family: var(--f-body);
  color: var(--c-charcoal);
  width: 100%;
}
.dob-row select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%230E1F33' stroke-width='1.8'%3E%3Cpath d='M3 6l5 5 5-5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.8rem center;
  background-size: 12px;
  padding-right: 2.25rem;
}
.dob-row input:focus,
.dob-row select:focus {
  outline: none;
  background-color: var(--c-pearl);
  border-color: var(--c-gold);
}
.dob-remove {
  width: 34px;
  height: 34px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: transparent;
  color: var(--c-stone);
  transition: all var(--t-fast) var(--ease);
  flex-shrink: 0;
}
.dob-remove:hover {
  background: var(--c-sand);
  color: var(--c-terracotta);
}

/* Add another person — prominent button */
.btn-add-person {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.92rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--c-navy);
  background: transparent;
  border: 1.5px dashed var(--c-gold);
  border-radius: var(--r-sm);
  padding: 0.75rem 1.25rem;
  width: 100%;
  justify-content: center;
  transition: all var(--t-fast) var(--ease);
}
.btn-add-person:hover {
  background: var(--c-sand);
  border-color: var(--c-terracotta);
  color: var(--c-terracotta);
}
.btn-add-person svg {
  color: var(--c-gold);
  transition: color var(--t-fast) var(--ease);
}
.btn-add-person:hover svg { color: var(--c-terracotta); }

/* Legacy link-btn kept for safety */
.link-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--c-gold);
  padding: 0.35rem 0;
  margin-top: 0.25rem;
}

/* Consent block (GDPR + optional marketing) */
.consent-block {
  margin: 1.75rem 0 1.5rem;
  padding: 1.25rem;
  background: var(--c-sand-soft);
  border: 1px solid var(--c-gold-line);
  border-radius: var(--r-md);
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.consent {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  font-size: 0.85rem;
  color: var(--c-stone);
  line-height: 1.55;
  cursor: pointer;
  padding: 0.25rem 0;
  transition: color var(--t-fast) var(--ease);
}
.consent strong {
  color: var(--c-navy);
  font-weight: 600;
}
.consent a {
  color: var(--c-gold);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}
.consent a:hover { color: var(--c-terracotta); }
.consent input {
  flex-shrink: 0;
  margin-top: 3px;
  width: 18px;
  height: 18px;
  accent-color: var(--c-navy);
  cursor: pointer;
}
.consent-optional {
  border-top: 1px dashed var(--c-gold-line);
  padding-top: 0.85rem;
}
.consent-optional em {
  font-style: normal;
  font-weight: 600;
  color: var(--c-gold);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 0.72rem;
  margin-right: 0.25rem;
}
.consent.group-invalid {
  color: var(--c-terracotta);
}
.consent.group-invalid strong {
  color: var(--c-terracotta);
}

/* Submit row */
.btn-submit {
  width: 100%;
  min-height: 60px;
  font-size: 1rem;
  padding: 1.1rem 1.5rem;
}
.submit-note {
  text-align: center;
  font-size: 0.82rem;
  color: var(--c-stone);
  margin-top: 0.85rem;
  letter-spacing: 0.04em;
}

/* Group-invalid (radio groups) */
.field.group-invalid > label {
  color: var(--c-terracotta);
}
.field.group-invalid .option span {
  border-color: rgba(193, 110, 74, 0.4);
}

/* Step actions */
.step-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--c-gold-line);
}
.step-counter {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-stone);
}
.btn-submit { min-width: 200px; }
.btn-submit.is-loading .btn-label::after {
  content: "…";
  animation: dots 1.2s steps(3, end) infinite;
}
@keyframes dots {
  0%, 20%   { content: ""; }
  40%       { content: "."; }
  60%       { content: ".."; }
  80%, 100% { content: "..."; }
}

/* ---------- 10. SUCCESS STATE ---------- */
.form-success {
  display: none;
  text-align: center;
  padding: 1rem 0.5rem 0.5rem;
  animation: fadeIn 400ms var(--ease);
}
.form-success.is-active { display: block; }
.success-mark {
  display: inline-flex;
  color: var(--c-success);
  margin-bottom: 1rem;
}
.form-success h3 { margin-bottom: 0.85rem; }
.form-success p {
  color: var(--c-stone);
  margin-bottom: 0.75rem;
  max-width: 42ch;
  margin-inline: auto;
}
.success-actions {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-block: 1.75rem 1.25rem;
}
.signature-line-block {
  font-family: var(--f-display);
  font-size: 1rem;
  color: var(--c-gold);
  margin-top: 0.5rem;
}

/* ---------- 11. FAQ ---------- */
.faq { background: var(--c-ivory); }
.section-head {
  text-align: center;
  margin-bottom: 2.5rem;
}
.section-head .display { max-width: 22ch; margin: 0 auto; }

.faq-list {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.faq-item {
  background: var(--c-pearl);
  border: 1px solid var(--c-gold-line);
  border-radius: var(--r-sm);
  padding: 0.25rem 1.25rem;
  transition: background var(--t-fast) var(--ease);
}
.faq-item[open] { background: var(--c-ivory-warm); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 1.1rem 0;
  font-weight: 500;
  font-size: 1rem;
  color: var(--c-navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: var(--f-display);
  font-size: 1.5rem;
  color: var(--c-gold);
  line-height: 1;
  transition: transform var(--t-fast) var(--ease);
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p {
  padding-bottom: 1.25rem;
  color: var(--c-stone);
  font-size: 0.95rem;
  line-height: 1.65;
}

/* ---------- 11b. PRIVACY NOTICE ---------- */
.privacy-section {
  background: var(--c-ivory-warm);
  border-top: 1px solid var(--c-gold-line);
}
.privacy-inner {
  max-width: 900px;
  margin: 0 auto;
}
.privacy-section .display {
  margin-bottom: 2rem;
}
.privacy-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.75rem 2.5rem;
}
.privacy-grid h4 {
  font-family: var(--f-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--c-navy);
  margin-bottom: 0.4rem;
}
.privacy-grid p {
  font-size: 0.92rem;
  color: var(--c-stone);
  line-height: 1.6;
}
.privacy-grid a {
  color: var(--c-gold);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ---------- 12. FOOTER ---------- */
.site-footer {
  background: var(--c-navy);
  color: var(--c-ivory);
  padding-block: 2.5rem;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 1.5rem;
}
.footer-brand {
  display: flex;
  flex-direction: column;
  line-height: 1.3;
}
.footer-brand .brand-name {
  color: var(--c-ivory);
  font-size: 1.05rem;
}
.footer-by {
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-gold);
  margin-top: 4px;
}
.footer-nav {
  display: flex;
  gap: 1.5rem;
  font-size: 0.88rem;
}
.footer-nav a {
  color: var(--c-ivory);
  opacity: 0.8;
  transition: opacity var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.footer-nav a:hover { opacity: 1; color: var(--c-gold); }
.footer-meta {
  font-size: 0.78rem;
  color: var(--c-ivory);
  opacity: 0.6;
  text-align: right;
}

/* ---------- 13. RESPONSIVE ---------- */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-portrait { max-width: 360px; margin-inline: auto; order: -1; }
  .portrait-frame { aspect-ratio: 1 / 1; }
  .privacy-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 1rem;
  }
  .footer-brand, .footer-nav { align-items: center; justify-content: center; }
  .footer-meta { text-align: center; }
}

@media (max-width: 640px) {
  .hero-proof { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .option-grid, .option-grid.two-col { grid-template-columns: 1fr; }
  .dob-inputs { grid-template-columns: 1fr; gap: 0.5rem; }
  .dob-row { padding: 0.65rem; gap: 0.5rem; }
  .dob-num { width: 32px; height: 32px; font-size: 0.9rem; }
  .dob-row { grid-template-columns: 32px 1fr auto; }
  .trust-sep { display: none; }
  .trust-inner { gap: 0.5rem; }
  .trust-item { min-width: 45%; }
  .trust-item strong { font-size: 1.25rem; }
  .step-actions { flex-wrap: wrap; }
  .step-counter { order: -1; width: 100%; text-align: center; padding-bottom: 0.5rem; }
  .btn { padding: 0.95rem 1.25rem; }
  .header-cta { padding: 0.45rem 0.85rem; font-size: 0.8rem; }
  .brand-by { display: none; }
}

@media (max-width: 420px) {
  h1.display { font-size: 2rem; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-meta { text-align: center; }
  .btn { width: 100%; }
}

/* ---------- 14. REDUCED MOTION ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}