/* ============================================================
   NovaVida Group — V1.5 Design System (assets/css/main.css)
   Brand: deep navy / powder sky / coral accent. Fonts: Archivo + Inter.
   Every page loads this ONE file. Sections use .nv-* components.
   ============================================================ */
:root{
  --sky:#88D0F0;--sky2:#C4E5F7;--skyd:#4FA8DA;--deep:#1F4E79;--night:#0A1A2A;--navy2:#12314F;
  --mist:#F4F9FD;--paper:#FFFFFF;--ink:#0E2438;--muted:#5B7185;--line:#DCE8F3;
  --accent:#FF6A45;--accentd:#E4521F;--emerald:#0FA371;--gold:#F2B829;
  --r:16px;--r-lg:22px;--maxw:1200px;
  --disp:"Archivo","Inter",system-ui,sans-serif;--body:"Inter",system-ui,-apple-system,sans-serif;
  --shadow:0 24px 60px -32px rgba(14,45,80,.35);
  --bg:var(--paper);--fg:var(--ink);--card:#fff;--cardln:var(--line);--soft:var(--mist);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);background:var(--bg);color:var(--fg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img{display:block;max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3,h4.disp{font-family:var(--disp);font-weight:700;line-height:1.12;letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,4.4vw,3.4rem)}h2{font-size:clamp(1.9rem,3.4vw,2.7rem)}h3{font-size:1.25rem}
p.lede{font-size:1.15rem;color:var(--muted);max-width:58ch}
.eyebrow{font:700 .74rem/1 var(--body);letter-spacing:.15em;text-transform:uppercase;color:var(--deep);display:inline-flex;align-items:center;gap:.5rem}
.eyebrow::before{content:"";width:20px;height:2px;background:var(--accent);border-radius:2px}
.center{text-align:center}.center .eyebrow{justify-content:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 .98rem/1 var(--body);padding:.92rem 1.5rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.18s;white-space:nowrap}
.btn-accent{background:var(--accent);color:#fff;box-shadow:0 14px 30px -12px rgba(255,106,69,.65)}.btn-accent:hover{background:var(--accentd);transform:translateY(-2px)}
.btn-deep{background:var(--deep);color:#fff}.btn-deep:hover{background:var(--night);transform:translateY(-2px)}
.btn-ghost{border-color:var(--cardln);color:var(--fg)}.btn-ghost:hover{border-color:var(--skyd);color:var(--deep)}
.btn-sky{background:var(--sky);color:var(--night)}.btn-sky:hover{transform:translateY(-2px)}
.btn-lg{font-size:1.06rem;padding:1.05rem 1.8rem}.btn-sm{font-size:.85rem;padding:.6rem 1rem}

/* Top banner */
.banner{background:#06121F;color:#CFE3F4;font:500 .8rem/1.5 var(--body)}
.banner .wrap{display:flex;gap:1rem;justify-content:space-between;align-items:center;padding:.5rem 24px;flex-wrap:wrap}
.banner b{color:#fff}.banner .star{color:var(--gold)}

/* Header */
header.nv{position:sticky;top:0;z-index:90;background:linear-gradient(100deg,#0A1A2A 20%,#153C63);border-bottom:1px solid rgba(136,208,240,.22);backdrop-filter:blur(8px)}
header.nv .wrap{display:flex;align-items:center;gap:1.1rem;padding:.6rem 24px}
.logo{display:flex;align-items:center;gap:.65rem;flex:none}
.logo img{width:50px;height:50px;filter:drop-shadow(0 3px 10px rgba(0,0,0,.35))}
.logo .wm{font:800 1.22rem/1.05 var(--body);color:#fff;letter-spacing:-.01em}
.logo .tag{display:block;font:700 .56rem/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:#9FC1DA;margin-top:.28rem}
nav.main{display:flex;gap:.2rem;margin-left:.4rem}
nav.main>div{position:relative}
nav.main a.top,nav.main span.top{display:inline-flex;align-items:center;gap:.3rem;font:600 .92rem/1 var(--body);color:#DCEAF5;padding:.65rem .7rem;border-radius:9px;cursor:pointer}
nav.main a.top:hover,nav.main span.top:hover,nav.main div:hover>.top{color:#fff;background:rgba(136,208,240,.14)}
nav.main .dd{position:absolute;top:100%;left:0;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:.5rem;display:none;z-index:99}
nav.main div:hover>.dd,nav.main div:focus-within>.dd{display:block}
nav.main .dd a{display:block;padding:.55rem .7rem;border-radius:9px;font:600 .9rem var(--body);color:var(--ink)}
nav.main .dd a:hover{background:var(--mist);color:var(--deep)}
nav.main .dd small{display:block;font-weight:500;color:var(--muted);font-size:.76rem}
.hdr-right{margin-left:auto;display:flex;align-items:center;gap:.6rem}

/* Language flag dropdown */
.langdd{position:relative}
.langdd>button{display:inline-flex;align-items:center;gap:.35rem;background:rgba(255,255,255,.09);border:1px solid rgba(136,208,240,.32);border-radius:999px;padding:.45rem .7rem;color:#fff;font:600 .85rem var(--body);cursor:pointer}
.langdd .menu{position:absolute;top:110%;right:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:.4rem;display:none;min-width:170px;z-index:99}
.langdd.open .menu{display:block}
.langdd .menu button{display:flex;align-items:center;gap:.55rem;width:100%;background:none;border:none;padding:.5rem .6rem;border-radius:9px;font:600 .88rem var(--body);color:var(--ink);cursor:pointer;text-align:left}
.langdd .menu button:hover{background:var(--mist)}
.langdd .menu button.on{background:var(--sky2)}

/* Audience toggle (Consumer <-> Agents) */
.aud{display:flex;background:rgba(255,255,255,.08);border:1px solid rgba(136,208,240,.3);border-radius:999px;padding:.22rem;flex:none}
.aud a{border:none;font:700 .8rem/1 var(--body);padding:.5rem .85rem;border-radius:999px;color:#BCD6EC;transition:.18s}
.aud a.on{background:var(--sky);color:var(--night)}
.burger{display:none;background:none;border:none;color:#fff;font-size:1.5rem;cursor:pointer}

/* Trust bar */
.trustbar{background:var(--deep);color:#fff}
.trustbar .wrap{display:flex;gap:1.5rem;justify-content:center;flex-wrap:wrap;padding:.66rem 24px;font:700 .8rem/1 var(--body)}
.trustbar span{display:inline-flex;align-items:center;gap:.4rem;color:#EAF4FC}
.trustbar .wo{color:var(--gold)}

/* Heroes */
.hero{position:relative;overflow:hidden;padding:clamp(46px,5.5vw,84px) 0}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(58% 84% at 6% 0,var(--sky2),transparent 56%),radial-gradient(46% 68% at 100% 0,#FDE3D9,transparent 55%),linear-gradient(180deg,var(--mist),var(--paper) 72%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero h1 em{font-style:italic;color:var(--deep)}
.hero .sub{font-size:1.14rem;color:var(--muted);max-width:44ch;margin-top:1.05rem}
.ziprow{display:flex;gap:.5rem;margin:1.35rem 0 .75rem;max-width:430px}
.ziprow input{flex:1;padding:.95rem 1.05rem;border:2px solid var(--cardln);border-radius:13px;font:500 1rem var(--body);background:#fff;color:var(--ink)}
.ziprow input:focus{outline:none;border-color:var(--skyd)}
.minirow{display:flex;gap:.9rem;flex-wrap:wrap;font:600 .8rem/1 var(--body);color:var(--muted)}
.minirow span{display:inline-flex;align-items:center;gap:.3rem}
.minirow svg{width:14px;height:14px;color:var(--emerald)}
.heroimg img,.heroimg video{border-radius:var(--r-lg);width:100%;object-fit:cover;box-shadow:var(--shadow)}

/* dark page-hero for subpages */
.phero{background:linear-gradient(120deg,var(--night),var(--navy2) 60%,#1B4A78);color:#fff;padding:clamp(44px,5vw,72px) 0;position:relative;overflow:hidden}
.phero::after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(136,208,240,.28),transparent 65%)}
.phero .eyebrow{color:var(--sky)}
.phero h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.2rem)}
.phero p.lede{color:#BCD6EC}
.crumbs{font:600 .8rem var(--body);color:#9FC1DA;margin-bottom:1rem}
.crumbs a:hover{color:#fff}

/* Sections & cards */
section{padding:clamp(52px,5.5vw,86px) 0}
section.tight{padding:clamp(36px,4vw,56px) 0}
.sec-head{max-width:660px;margin-bottom:2.1rem}
.sec-head h2{margin-top:.6rem}
.sec-head p{color:var(--muted);font-size:1.05rem;margin-top:.6rem}
.sec-head.center{margin-left:auto;margin-right:auto}
.soft{background:var(--soft);border-top:1px solid var(--cardln);border-bottom:1px solid var(--cardln)}
.dark{background:linear-gradient(160deg,var(--deep),var(--night));color:#fff}
.dark h2,.dark h3{color:#fff}.dark p{color:#BCD6EC}.dark .eyebrow{color:var(--sky)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card{background:var(--card);border:1px solid var(--cardln);border-radius:var(--r);padding:24px;transition:.2s}
.card.hov:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--sky)}
.card .ic{width:46px;height:46px;border-radius:13px;background:var(--sky2);display:grid;place-items:center;color:var(--deep);margin-bottom:.85rem}
.card .ic svg{width:24px;height:24px}
.card h3{margin-bottom:.35rem}
.card p{color:var(--muted);font-size:.93rem}
.card .lk{display:inline-block;margin-top:.9rem;font:700 .87rem var(--body);color:var(--accentd)}
.card .lk:hover{color:var(--accent)}
.pill{font:800 .62rem/1 var(--body);letter-spacing:.08em;text-transform:uppercase;background:var(--accent);color:#fff;padding:.32rem .6rem;border-radius:999px;display:inline-block}
.pill.sky{background:var(--sky);color:var(--night)}.pill.gold{background:var(--gold);color:var(--night)}.pill.green{background:var(--emerald)}

/* Stats */
.statrow{display:flex;gap:1.8rem;flex-wrap:wrap;margin-top:1.5rem}
.stat .v{font-family:var(--disp);font-size:2.5rem;color:var(--sky);line-height:1}
.stat .l{font:600 .8rem var(--body);color:#BCD6EC;margin-top:.25rem}
.light .stat .v{color:var(--deep)}.light .stat .l{color:var(--muted)}

/* Chips / logo strips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:.55rem 1rem;font:600 .9rem var(--body);color:#EAF4FC}
.chips.light .chip{background:#fff;border-color:var(--cardln);color:var(--deep)}
.logostrip{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.logostrip img{height:44px;width:auto;filter:grayscale(.15)}
.logostrip img:hover{filter:none}

/* Carrier logo wall (white tiles — works on dark or light) */
.logowall{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.logowall .tile{background:#fff;border-radius:13px;height:74px;display:grid;place-items:center;padding:12px;transition:.2s;border:1px solid rgba(255,255,255,.5)}
.logowall .tile:hover{transform:translateY(-3px);box-shadow:0 18px 34px -18px rgba(0,0,0,.55)}
.logowall .tile img{max-height:40px;max-width:90%;width:auto;object-fit:contain;filter:grayscale(1);opacity:.72;transition:.2s}
.logowall .tile:hover img{filter:none;opacity:1}
@media(max-width:980px){.logowall{grid-template-columns:repeat(4,1fr)}}
@media(max-width:560px){.logowall{grid-template-columns:repeat(3,1fr)}.logowall .tile{height:62px}}
.logowall.lite .tile{border:1px solid var(--cardln);box-shadow:0 1px 2px rgba(14,45,80,.05)}
.logowall.five{grid-template-columns:repeat(5,1fr)}
@media(max-width:980px){.logowall.five{grid-template-columns:repeat(4,1fr)}}
@media(max-width:560px){.logowall.five{grid-template-columns:repeat(3,1fr)}}

/* Photo band — captioned imagery with honest treatment */
.photoband{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);min-height:300px}
.photoband img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.photoband .ov{position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,26,42,.82),rgba(10,26,42,.35) 60%,transparent)}
.photoband .in{position:relative;padding:clamp(24px,4vw,44px);color:#fff;max-width:60ch}
.imgcap{font:500 .72rem var(--body);color:var(--muted);margin-top:.5rem;opacity:.85}

/* Tables (commissions etc.) */
.nvtable{width:100%;border-collapse:collapse;font:500 .92rem var(--body);background:var(--card);border-radius:var(--r);overflow:hidden;box-shadow:0 1px 0 var(--cardln)}
.nvtable th{background:var(--deep);color:#fff;font:700 .78rem/1 var(--body);letter-spacing:.06em;text-transform:uppercase;padding:.8rem .9rem;text-align:left}
.nvtable td{padding:.68rem .9rem;border-bottom:1px solid var(--cardln)}
.nvtable tr:nth-child(even) td{background:var(--mist)}
.nvtable tr:hover td{background:var(--sky2)}
.tblwrap{border:1px solid var(--cardln);border-radius:var(--r);overflow:auto;max-height:560px}

/* Carrier combobox */
.combo{position:relative;max-width:480px}
.combo input{width:100%;padding:.95rem 1.1rem;border:2px solid var(--cardln);border-radius:13px;font:600 1rem var(--body);background:#fff;color:var(--ink)}
.combo input:focus{outline:none;border-color:var(--skyd)}
.combo .list{position:absolute;top:105%;left:0;right:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);max-height:340px;overflow:auto;z-index:40;display:none}
.combo.open .list{display:block}
.combo .list div{padding:.6rem .9rem;font:600 .9rem var(--body);cursor:pointer}
.combo .list div:hover{background:var(--mist)}
.combo .list div.dis{opacity:.45;cursor:not-allowed;font-weight:500}
.combo .list div.dis::after{content:" · coming soon";font-size:.72rem;color:var(--muted)}

/* FAQ */
.faq details{background:var(--card);border:1px solid var(--cardln);border-radius:13px;padding:1rem 1.25rem;margin-bottom:.7rem}
.faq summary{font:700 1rem var(--body);cursor:pointer;color:var(--deep)}
.faq details p{color:var(--muted);font-size:.94rem;margin-top:.6rem}

/* Lead forms */
.leadbox{background:var(--card);border:1px solid var(--cardln);border-radius:var(--r-lg);padding:30px;max-width:740px;margin:0 auto;box-shadow:var(--shadow)}
.fgrid2{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.fgrid2 .full{grid-column:1/-1}
.leadbox label{font:700 .78rem var(--body);color:var(--deep);display:block;margin-bottom:.28rem}
.leadbox input,.leadbox select,.leadbox textarea{width:100%;padding:.82rem .95rem;border:1px solid var(--cardln);border-radius:11px;font:500 .95rem var(--body);background:#fff;color:var(--ink)}
.leadbox input:focus,.leadbox select:focus{outline:none;border-color:var(--skyd)}
.formnote{font:500 .75rem var(--body);color:var(--muted);margin-top:.6rem}

/* Footer */
footer.nv{background:var(--night);color:#AEBFD0;padding:56px 0 26px;font-size:.9rem}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:28px}
footer.nv h4{color:#fff;font:700 .9rem var(--body);margin-bottom:.8rem}
footer.nv a{display:block;padding:.24rem 0;color:#AEBFD0}
footer.nv a:hover{color:#fff}
.disc{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:15px;margin-top:24px;font-size:.76rem;color:#8EA2B6;line-height:1.6}
.disc b{color:#CCD9E6}
.fbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:18px;font-size:.78rem;color:#7E93A8;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}

/* Mobile call bar */
.callbar{display:none}
@media(max-width:760px){
 .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:80}
 .callbar a{flex:1;text-align:center;padding:.95rem;font:800 .95rem var(--body);color:#fff}
 .callbar .c1{background:var(--accent)}.callbar .c2{background:var(--deep)}
 body{padding-bottom:52px} /* CROSSING: keep for callbar overlap */
}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(18px);transition:.6s}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* Marquee (carrier logos) */
.marq{overflow:hidden;position:relative;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marq .track{display:flex;gap:38px;align-items:center;width:max-content;animation:marq 38s linear infinite}
.marq:hover .track{animation-play-state:paused}
@keyframes marq{to{transform:translateX(-50%)}}

/* Responsive */
@media(max-width:1060px){nav.main .dd{min-width:210px}}
@media(max-width:980px){
 nav.main{display:none}
 header.nv.open nav.main{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--night);padding:1rem;gap:.2rem;border-bottom:1px solid rgba(136,208,240,.25)}
 header.nv.open nav.main .dd{position:static;display:block;background:transparent;border:none;box-shadow:none;padding:0 0 0 1rem}
 header.nv.open nav.main .dd a{color:#BCD6EC}
 .burger{display:block}
 .hero-grid,.grid2,.grid3,.grid4,.fgrid,.fgrid2{grid-template-columns:1fr}
 .grid4{grid-template-columns:1fr 1fr}
 .heroimg{order:-1}
 .aud a{padding:.5rem .6rem;font-size:.72rem}
}

/* ============================================================
   V1.6 VISUAL SYSTEM ADDITIONS (2026-07-19)
   Flags · category blocks · QLE tiles · state picker · FAQ 2.0
   · photo cards · brand tiles.  INDEX: docs/INDEX.md
   ============================================================ */

/* Real SVG flags (language dropdown + anywhere) */
.flagimg{width:22px;height:15px;border-radius:3px;object-fit:cover;box-shadow:0 0 0 1px rgba(0,0,0,.18);display:inline-block;vertical-align:-2px}
.langdd .menu .flagimg{width:26px;height:18px}

/* Photo-header cards (coverage lines etc.) */
.card.photo{padding:0;overflow:hidden;display:flex;flex-direction:column}
.card.photo .ph{position:relative;height:158px;overflow:hidden;flex:none}
.card.photo .ph img{width:100%;height:100%;object-fit:cover;transition:.45s}
.card.photo:hover .ph img{transform:scale(1.06)}
.card.photo .ph .badge{position:absolute;left:14px;bottom:-23px;width:46px;height:46px;border-radius:13px;background:#fff;display:grid;place-items:center;color:var(--deep);box-shadow:0 10px 24px -10px rgba(14,45,80,.45);border:1px solid var(--cardln)}
.card.photo .ph .badge svg{width:24px;height:24px}
.card.photo .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(10,26,42,.28))}
.card.photo .bd{padding:32px 22px 22px}

/* Quote & Enroll category blocks */
.qcat{background:var(--card);border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.qcat:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.qcat .qhead{padding:20px 22px 16px;color:#fff;position:relative;overflow:hidden}
.qcat .qhead::after{content:"";position:absolute;right:-46px;top:-46px;width:150px;height:150px;border-radius:50%;background:rgba(255,255,255,.14)}
.qcat .qhead .qic{width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.18);display:grid;place-items:center;margin-bottom:.6rem}
.qcat .qhead .qic svg{width:24px;height:24px}
.qcat .qhead h3{color:#fff;font-size:1.18rem}
.qcat .qhead p{color:rgba(255,255,255,.88);font-size:.86rem;margin-top:.3rem;position:relative;z-index:1}
.qcat[data-c="sky"] .qhead{background:linear-gradient(120deg,var(--skyd),var(--deep))}
.qcat[data-c="navy"] .qhead{background:linear-gradient(120deg,var(--deep),var(--night))}
.qcat[data-c="green"] .qhead{background:linear-gradient(120deg,#0C8A60,var(--emerald))}
.qcat[data-c="gold"] .qhead{background:linear-gradient(120deg,#D99F0B,var(--gold))}
.qcat[data-c="coral"] .qhead{background:linear-gradient(120deg,var(--accentd),var(--accent))}
.qcat[data-c="violet"] .qhead{background:linear-gradient(120deg,#4C3A9E,#7B5CD6)}
.qcat .qtools{padding:10px 12px 14px;display:flex;flex-direction:column;gap:4px}
.qcat .qrow{display:flex;align-items:center;gap:12px;padding:.62rem .7rem;border-radius:12px;transition:.15s;border:1px solid transparent}
.qcat .qrow:hover{background:var(--mist);border-color:var(--cardln)}
.qcat .qrow .qlogo{width:44px;height:30px;flex:none;display:grid;place-items:center;background:#fff;border:1px solid var(--cardln);border-radius:8px;padding:3px}
.qcat .qrow .qlogo img{max-height:22px;max-width:38px;object-fit:contain}
.qcat .qrow .qlogo svg{width:20px;height:20px;color:var(--deep)}
.qcat .qrow b{font:700 .92rem var(--body);color:var(--ink);display:block}
.qcat .qrow small{font:500 .76rem var(--body);color:var(--muted);display:block}
.qcat .qrow .go{margin-left:auto;color:var(--accentd);font:800 1rem var(--body);flex:none}
.qcat .qfoot{margin-top:auto;padding:0 22px 18px;font:600 .78rem var(--body);color:var(--muted)}

/* QLE / SEP visual tiles */
.qle{position:relative;border:1px solid var(--cardln);border-radius:var(--r);padding:20px;background:var(--card);overflow:hidden;transition:.2s;display:block}
.qle:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--sky)}
.qle::before{content:"";position:absolute;right:-34px;top:-34px;width:110px;height:110px;border-radius:50%;background:var(--qbg,var(--sky2));opacity:.35;transition:.25s}
.qle:hover::before{transform:scale(1.25)}
.qle .medal{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;color:#fff;background:var(--qbg,var(--deep));box-shadow:0 12px 26px -12px var(--qbg,rgba(14,45,80,.5));margin-bottom:.8rem;position:relative}
.qle .medal svg{width:27px;height:27px}
.qle h3{font-size:1.02rem}
.qle p{color:var(--muted);font-size:.86rem;margin-top:.3rem}
.qle .win{display:inline-flex;align-items:center;gap:.35rem;margin-top:.7rem;font:700 .72rem/1 var(--body);letter-spacing:.04em;text-transform:uppercase;color:var(--deep);background:var(--sky2);border-radius:999px;padding:.34rem .6rem}
.qle .lk{display:inline-block;margin-top:.65rem;font:700 .84rem var(--body);color:var(--accentd)}

/* State picker 2.0 */
.statepick{display:grid;grid-template-columns:1fr 1.15fr;gap:22px;align-items:stretch}
.stshape-panel{background:linear-gradient(150deg,var(--night),var(--navy2) 55%,#1B4A78);border-radius:var(--r-lg);padding:26px;color:#fff;position:relative;overflow:hidden;display:flex;flex-direction:column}
.stshape-panel::before{content:"";position:absolute;inset:0;background:radial-gradient(70% 90% at 85% 8%,rgba(136,208,240,.35),transparent 60%)}
.stshape-wrap{position:relative;display:grid;place-items:center;min-height:210px}
.stshape-wrap svg{width:min(300px,72%);height:auto;filter:drop-shadow(0 18px 30px rgba(0,0,0,.45))}
.stshape-wrap path{fill:url(#nvStGrad);stroke:#C4E5F7;stroke-width:2;vector-effect:non-scaling-stroke}
.stname{position:relative;text-align:center;font-family:var(--disp);font-size:1.55rem;margin-top:.4rem}
.stexch{position:relative;text-align:center;font:700 .74rem/1.4 var(--body);letter-spacing:.06em;text-transform:uppercase;color:var(--sky)}
.statchips{display:flex;flex-wrap:wrap;gap:8px;margin-top:1rem}
.statchip{background:var(--mist);border:1px solid var(--cardln);border-radius:11px;padding:.5rem .7rem;text-align:center;flex:1 1 30%}
.statchip .n{font-family:var(--disp);font-size:1.3rem;color:var(--deep);line-height:1}
.statchip .t{font:600 .68rem var(--body);color:var(--muted);margin-top:.2rem}
.bcbsmini{margin-top:1rem;border:1px solid var(--cardln);border-left:5px solid #1E62A8;border-radius:12px;padding:.85rem .95rem;background:#F4F8FC}
.bcbsmini b{font:700 .9rem var(--body);color:var(--deep)}
.bcbsmini div{font:500 .8rem var(--body);color:var(--muted);margin-top:.2rem}
@media(max-width:980px){.statepick{grid-template-columns:1fr}}

/* FAQ 2.0 — topic groups, key dates, styled panels */
.datechips{display:flex;flex-wrap:wrap;gap:10px;margin:1.1rem 0 .4rem}
.datechip{display:flex;align-items:center;gap:.6rem;background:var(--card);border:1px solid var(--cardln);border-radius:13px;padding:.7rem .95rem}
.datechip .ic{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;color:#fff;flex:none}
.datechip .ic svg{width:19px;height:19px}
.datechip b{font:800 .86rem var(--body);color:var(--ink);display:block}
.datechip small{font:600 .72rem var(--body);color:var(--muted);display:block}
.faqgrp{border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden;background:var(--card)}
.faqgrp .fhead{display:flex;align-items:center;gap:.8rem;padding:16px 20px;color:#fff}
.faqgrp .fhead .ic{width:38px;height:38px;border-radius:11px;background:rgba(255,255,255,.18);display:grid;place-items:center;flex:none}
.faqgrp .fhead .ic svg{width:20px;height:20px}
.faqgrp .fhead h3{color:#fff;font-size:1.1rem}
.faqgrp .fhead small{display:block;color:rgba(255,255,255,.85);font:500 .78rem var(--body)}
.faqgrp .fbody{padding:12px}
.faqgrp details{border:1px solid var(--cardln);border-left:4px solid var(--fq,var(--skyd));border-radius:12px;padding:.85rem 1.05rem;margin-bottom:.55rem;background:#fff;transition:.15s}
.faqgrp details:hover{border-color:var(--fq,var(--skyd))}
.faqgrp details[open]{background:var(--mist);box-shadow:inset 0 0 0 1px var(--cardln)}
.faqgrp summary{font:700 .95rem var(--body);cursor:pointer;color:var(--ink);list-style:none;display:flex;align-items:center;gap:.6rem}
.faqgrp summary::-webkit-details-marker{display:none}
.faqgrp summary::before{content:"+";flex:none;width:22px;height:22px;border-radius:7px;background:var(--fq,var(--skyd));color:#fff;display:grid;place-items:center;font:800 .9rem/1 var(--body);transition:.2s}
.faqgrp details[open] summary::before{content:"–"}
.faqgrp details p{color:var(--muted);font-size:.9rem;margin-top:.6rem;line-height:1.65}
.faqgrp details p b{color:var(--ink)}
.faqgrp details a{color:var(--accentd);font-weight:700}
.faqgrp details .mini{display:flex;flex-wrap:wrap;gap:6px;margin-top:.6rem}
.faqgrp details .mini span{font:700 .7rem/1 var(--body);background:#fff;border:1px solid var(--cardln);color:var(--deep);border-radius:999px;padding:.32rem .6rem}

/* Family of companies — clean brand tiles (no boxed logos) */
.brandtile{text-align:center}
.brandtile .blogo{height:92px;display:grid;place-items:center;margin-bottom:.9rem}
.brandtile .blogo img{max-height:86px;max-width:82%;width:auto;object-fit:contain;filter:drop-shadow(0 6px 14px rgba(14,45,80,.25));transition:.25s}
.brandtile:hover .blogo img{transform:scale(1.06)}
.brandtile .wordart{font-family:var(--disp);font-weight:800;font-size:1.5rem;line-height:1.05;background:linear-gradient(120deg,var(--deep),var(--skyd));-webkit-background-clip:text;background-clip:text;color:transparent}
.brandtile .wordart.coral{background:linear-gradient(120deg,var(--accentd),var(--accent));-webkit-background-clip:text;background-clip:text}
.brandtile .wordart.green{background:linear-gradient(120deg,#0C8A60,var(--emerald));-webkit-background-clip:text;background-clip:text}

/* ============================================================
   V1.6b GLOBAL SPRUCE (2026-07-19 evening)
   Site-wide FAQ restyle · timelines · compare tables · tier bars
   ============================================================ */

/* FAQ base restyle — upgrades EVERY page using .faq (products, states, guides, articles) */
.faq details{border-left:4px solid var(--skyd);transition:.15s}
.faq details:hover{border-color:var(--skyd);box-shadow:0 6px 18px -12px rgba(14,45,80,.35)}
.faq details[open]{background:var(--mist)}
.faq summary{list-style:none;display:flex;align-items:center;gap:.6rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";flex:none;width:22px;height:22px;border-radius:7px;background:var(--skyd);color:#fff;display:grid;place-items:center;font:800 .9rem/1 var(--body)}
.faq details[open] summary::before{content:"–"}

/* Visual timeline (enrollment windows etc.) */
.tl{display:grid;gap:0;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden}
.tl .step{padding:20px 18px;position:relative;background:var(--card)}
.tl .step+.step{border-left:1px solid var(--cardln)}
.tl .step .no{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;color:#fff;font:800 .95rem var(--body);background:var(--tlc,var(--deep));margin-bottom:.6rem}
.tl .step b{font:800 .95rem var(--body);color:var(--ink);display:block}
.tl .step .when{font:700 .72rem/1 var(--body);letter-spacing:.06em;text-transform:uppercase;color:var(--tlc,var(--deep));margin:.25rem 0 .35rem}
.tl .step p{font:500 .84rem var(--body);color:var(--muted)}
@media(max-width:760px){.tl{grid-template-columns:1fr}.tl .step+.step{border-left:none;border-top:1px solid var(--cardln)}}

/* Comparison table (MA vs Medigap, term vs whole, ICHRA vs group) */
.vs{border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden}
.vs .row{display:grid;grid-template-columns:1.1fr 1fr 1fr}
.vs .row>div{padding:.85rem 1rem;border-bottom:1px solid var(--cardln);font:500 .9rem var(--body);color:var(--muted)}
.vs .row>div:first-child{font-weight:700;color:var(--ink);background:var(--mist)}
.vs .row.h>div{padding:1rem;font:800 1rem var(--body);color:#fff;border-bottom:none}
.vs .row.h>div:first-child{background:var(--night);color:#fff}
.vs .row.h>div:nth-child(2){background:var(--deep)}
.vs .row.h>div:nth-child(3){background:var(--skyd)}
.vs .row:last-child>div{border-bottom:none}
.vs .yes{color:var(--emerald);font-weight:700}.vs .no{color:var(--accentd);font-weight:700}
@media(max-width:700px){.vs .row{grid-template-columns:1fr}.vs .row>div:first-child{background:var(--night);color:#fff}}

/* Metal tier bars (ACA) — premium vs out-of-pocket split */
.tiers{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}
.tier{border:1px solid var(--cardln);border-radius:var(--r);padding:18px;background:var(--card);transition:.2s}
.tier:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.tier .tname{font:800 1.02rem var(--body);display:flex;align-items:center;gap:.5rem}
.tier .dot{width:14px;height:14px;border-radius:50%}
.tier .bar{height:12px;border-radius:999px;background:var(--mist);margin:.7rem 0 .3rem;overflow:hidden}
.tier .bar i{display:block;height:100%;border-radius:999px}
.tier small{font:600 .72rem var(--body);color:var(--muted);display:block}
.tier p{font:500 .82rem var(--body);color:var(--muted);margin-top:.6rem}

/* Parts of Medicare blocks */
.parts{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
.part{border-radius:var(--r);padding:20px;color:#fff;position:relative;overflow:hidden;transition:.2s}
.part:hover{transform:translateY(-4px)}
.part::after{content:attr(data-l);position:absolute;right:-6px;bottom:-26px;font:800 7rem/1 var(--disp);opacity:.14}
.part b{font:800 1.05rem var(--body);display:block}
.part p{font:500 .84rem var(--body);color:rgba(255,255,255,.9);margin-top:.4rem}

/* Cash-benefit explainer strip (supplemental) */
.cashflow{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:0;border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden;text-align:center}
.cashflow>div{padding:22px 16px;background:var(--card)}
.cashflow>div+div{border-left:1px solid var(--cardln)}
.cashflow .big{font-size:1.9rem;line-height:1}
.cashflow b{display:block;font:800 .95rem var(--body);margin-top:.5rem;color:var(--ink)}
.cashflow p{font:500 .8rem var(--body);color:var(--muted);margin-top:.3rem}
@media(max-width:700px){.cashflow{grid-template-columns:1fr}.cashflow>div+div{border-left:none;border-top:1px solid var(--cardln)}}

/* States index mini silhouettes */
.stmini{display:flex;align-items:center;gap:12px}
.stmini svg{width:52px;height:44px;flex:none}
.stmini path{fill:#C4E5F7;stroke:var(--skyd);stroke-width:2;vector-effect:non-scaling-stroke}
.card.hov:hover .stmini path{fill:var(--sky)}

/* Guide fast-facts checklist styling (V1.6f) */
.factlist{list-style:none;margin:.6rem 0 0 !important;padding:0}
.factlist li{position:relative;padding:.35rem 0 .35rem 1.9rem;margin:0 !important;color:var(--ink);font-size:.92rem}
.factlist li::before{content:"";position:absolute;left:0;top:.48rem;width:20px;height:20px;border-radius:6px;background:var(--emerald);opacity:.15}
.factlist li::after{content:"✓";position:absolute;left:4px;top:.32rem;color:var(--emerald);font-weight:800;font-size:.85rem}

/* ============ V2.1 (2026-08-05): CTA pulse · audience toggle redesign · hover-blue ============ */
.cta-pulse{animation:ctapulse 2.2s ease-in-out infinite}
@keyframes ctapulse{0%,100%{box-shadow:0 14px 30px -12px rgba(255,106,69,.65)}50%{box-shadow:0 0 0 10px rgba(255,106,69,.18),0 14px 34px -10px rgba(255,106,69,.85)}}
@media(prefers-reduced-motion:reduce){.cta-pulse{animation:none}}

/* Audience toggle 3.0 — consumer side LIGHT, agent side DARK, always */
.aud{background:rgba(255,255,255,.12);border:1px solid rgba(136,208,240,.4);padding:.26rem;gap:.18rem}
.aud a{font:800 .82rem/1 var(--body);padding:.55rem .95rem;display:inline-flex;align-items:center;gap:.4rem}
.aud a::before{font-size:.9rem}
.aud a:first-child{background:#fff;color:var(--deep);opacity:.55}
.aud a:first-child::before{content:"👤"}
.aud a:last-child{background:linear-gradient(140deg,var(--night),#233F5C);color:#F2B829;opacity:.55;border:1px solid rgba(242,184,41,.45)}
.aud a:last-child::before{content:"💼"}
.aud a.on{opacity:1;box-shadow:0 4px 16px -6px rgba(0,0,0,.55)}
.aud a:first-child.on{box-shadow:0 0 0 2px rgba(136,208,240,.65),0 4px 16px -6px rgba(0,0,0,.55)}
.aud a:last-child.on{box-shadow:0 0 0 2px rgba(242,184,41,.55),0 4px 16px -6px rgba(0,0,0,.55)}
.aud a:hover{opacity:.9}

/* Hover = blue, everywhere it matters */
.card.hov:hover{background:linear-gradient(160deg,#F1F9FE,#E5F3FC);border-color:var(--skyd)}
.qcat .qrow:hover{background:var(--sky2);border-color:var(--skyd)}
.qle:hover{background:linear-gradient(160deg,#FFFFFF,#EDF7FD)}

/* lead-form consent + honeypot (added 2026-10-25) */
.leadbox .tcpa{grid-column:1/-1;margin:.2rem 0 .6rem}
.tcpa label{display:flex;gap:.6rem;align-items:flex-start;cursor:pointer;font:400 .74rem/1.45 var(--body,Inter,sans-serif);color:var(--muted,#5b6b7c)}
.tcpa input{margin-top:.2rem;width:1.05rem;height:1.05rem;flex:none;accent-color:var(--deep,#0A1A2A)}
.tcpa a{text-decoration:underline;color:inherit}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
footer.nv .disc a{color:#B9CBDD;text-decoration:underline}
.legalpage h2{margin-top:1.6rem}.legalpage p,.legalpage li{color:var(--muted,#5b6b7c);line-height:1.6}.legalpage ul{padding-left:1.2rem}

.btn-gold{background:#F5B700;color:#0A1A2A;border-color:#F5B700;font-weight:800;box-shadow:0 14px 30px -12px rgba(245,183,0,.7)}.btn-gold:hover{background:#FFC72C;color:#0A1A2A}

/* ============================================================
   V3 VISUAL OVERHAUL (2026-10-25) — Michael's brief:
   bigger/bolder/easier-to-read type · centered nav, section heads,
   cards & buttons · gold attention accents · hover-reveal data panels
   · card tilt · gated (blurred) commission figures · story cards.
   Everything below overrides earlier rules on purpose. INDEX: docs/INDEX.md
   ============================================================ */
:root{--gold:#F5B700;--goldd:#C98F0A;--muted:#44607A;--ink:#0B1F33;--line:#D3E1EE;--cardln:var(--line);--fg:var(--ink)}
html{font-size:17px}
@media(max-width:980px){html{font-size:16px}}
body{line-height:1.62}
h1,h2,h3,h4.disp{font-weight:800;letter-spacing:-.025em;line-height:1.1}
h1{font-size:clamp(2.4rem,4.8vw,3.7rem)}
h2{font-size:clamp(1.95rem,3.6vw,2.85rem)}
h3{font-size:1.3rem}
p.lede{font-size:1.2rem;font-weight:500}
.eyebrow{font-size:.8rem;font-weight:800;letter-spacing:.16em}
.eyebrow::before{background:var(--gold);width:22px;height:3px}
.sec-head{max-width:780px;margin-left:auto;margin-right:auto;text-align:center}
.sec-head .eyebrow{justify-content:center}
.sec-head h2{margin-top:.7rem}
.sec-head p{font-size:1.12rem;font-weight:500;margin-top:.7rem}
.btn{font-weight:700;font-size:1.02rem;padding:.95rem 1.6rem}
.btn-lg{font-size:1.1rem;padding:1.1rem 1.9rem}
.btn-sm{font-size:.88rem;padding:.62rem 1.05rem}
.btn-gold{background:var(--gold);color:var(--night);border-color:var(--gold);font-weight:800;box-shadow:0 14px 30px -12px rgba(245,183,0,.7)}.btn-gold:hover{background:#FFC72C;color:var(--night);transform:translateY(-2px)}
.minirow{font-size:.86rem;font-weight:700;color:#2F4760}
.hero .sub{font-size:1.2rem;font-weight:500;color:#2F4760;max-width:48ch}
.hero h1 em{font-style:italic;color:var(--deep);background:linear-gradient(transparent 64%,rgba(245,183,0,.62) 64%);padding:0 .06em;border-radius:4px}
.phero h1 em,.dark h2 em,.dark h1 em{color:var(--gold)!important;font-style:italic}
.hl{color:var(--gold)}
.hl-mark{background:linear-gradient(transparent 64%,rgba(245,183,0,.62) 64%);padding:0 .06em;border-radius:4px}
.phero p.lede{font-size:1.18rem;color:#D3E4F2}
.crumbs{font-size:.84rem}

/* Top bar + header: centered categories, bolder labels */
.banner{font-size:.84rem;font-weight:600}
.logo .wm{font-size:1.3rem}
.logo .tag{font-size:.58rem;letter-spacing:.16em}
nav.main{flex:1;justify-content:center;gap:.3rem;margin-left:0}
nav.main a.top,nav.main span.top{font:800 .96rem/1 var(--body);padding:.72rem .85rem;color:#EAF4FC;justify-content:center}
nav.main div:hover>.top,nav.main a.top:hover{background:rgba(245,183,0,.16);color:#fff}
nav.main .dd{min-width:280px;left:50%;transform:translateX(-50%);padding:.6rem}
nav.main .dd a{font-size:.95rem;font-weight:700;padding:.62rem .8rem}
nav.main .dd small{font-size:.78rem}
.aud a{font-size:.84rem}
@media(max-width:1180px){nav.main a.top,nav.main span.top{font-size:.88rem;padding:.7rem .6rem}}
@media(max-width:980px){nav.main{align-items:stretch;text-align:center}nav.main .dd{transform:none;left:0}header.nv.open nav.main .dd a{text-align:center}}

/* Cards: centered content, evenly aligned actions */
.grid2>.card,.grid3>.card,.grid4>.card,.card.hov,.card.rev{text-align:center;display:flex;flex-direction:column;align-items:center;padding:28px 24px}
.card[style*="display:flex"]{flex-direction:row;text-align:left;align-items:center}
.card.photo{padding:0;align-items:stretch}
.card.photo .bd{text-align:center;padding:34px 22px 24px;display:flex;flex-direction:column;align-items:center;flex:1}
.card.photo .ph .badge{left:50%;transform:translateX(-50%);width:50px;height:50px;bottom:-25px}
.card .ic{margin-left:auto;margin-right:auto;width:54px;height:54px;border-radius:16px}
.card .ic svg{width:28px;height:28px}
.card h3{font-size:1.28rem;margin-bottom:.45rem}
.card p{font-size:1rem;color:#36506A;line-height:1.6}
.card .lk{font-size:.95rem;font-weight:800;margin-top:auto;padding-top:1rem}
.card>.btn{margin-top:auto}
.card>div[style*="display:flex"]{justify-content:center;width:100%}
.card .pill{margin-bottom:.2rem}
.card.hov{transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease,background .22s ease;will-change:transform}
.card.hov:hover{transform:perspective(900px) rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg)) translateY(-6px);box-shadow:0 30px 60px -28px rgba(14,45,80,.45);border-color:var(--gold)}
.qle,.qcat,.brandtile,.tier{will-change:transform}
.qle:hover,.qcat:hover{transform:perspective(900px) rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg)) translateY(-5px)}
.num{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:linear-gradient(140deg,var(--gold),#FFD24D);color:var(--night);font:800 1rem/1 var(--body);margin-bottom:.8rem;box-shadow:0 10px 22px -10px rgba(245,183,0,.8)}
.brandtile p{color:#36506A}
section .wrap>.reveal[style*="display:flex"],section .wrap>div[style*="display:flex"][style*="gap"]{justify-content:center}
.sec-head+.btn,.wrap>.btn.reveal{display:inline-flex}
.center>.btn,.wrap>a.btn{margin-left:auto;margin-right:auto}
.wrap>a.btn.reveal{display:flex;width:max-content;max-width:100%}

/* Quote center / QLE / FAQ / stats: bigger labels */
.qcat .qhead h3{font-size:1.3rem}
.qcat .qhead p{font-size:.92rem}
.qcat .qrow b{font-size:.98rem}
.qcat .qrow small{font-size:.8rem}
.qcat .qfoot{font-size:.84rem}
.qle h3{font-size:1.1rem}
.qle p{font-size:.9rem}
.faqgrp summary,.faq summary{font-size:1.02rem;font-weight:800}
.faqgrp details p,.faq details p{font-size:.96rem}
.datechip b{font-size:.92rem}.datechip small{font-size:.78rem}
.stat .v{font-weight:800}
.light .stat .l,.stat .l{font-size:.86rem;font-weight:700}
.statchip .n{font-weight:800}
.statchip .t{font-size:.72rem}
.chip{font-size:.95rem;font-weight:700}
.leadbox label{font-size:.84rem}
.leadbox input,.leadbox select,.leadbox textarea{font-size:1rem;padding:.9rem 1rem}
.leadbox{box-shadow:0 30px 70px -36px rgba(14,45,80,.45)}
.nvtable{font-size:.95rem}.nvtable th{font-size:.8rem}
.vs .row>div{font-size:.95rem}
.tl .step b{font-size:1rem}.tl .step p{font-size:.88rem}
.part b{font-size:1.1rem}.part p{font-size:.9rem}
footer.nv{font-size:.95rem}
footer.nv h4{font-size:.95rem;color:var(--gold)}
.disc{font-size:.78rem}

/* Hover-reveal data panels (desktop: hover/focus · touch: tap the ⓘ or the card) */
.card.rev{position:relative;overflow:hidden}
.card .more{position:absolute;inset:0;z-index:3;display:flex;flex-direction:column;justify-content:center;gap:.45rem;padding:22px 24px;background:linear-gradient(160deg,var(--deep),var(--night));color:#fff;text-align:left;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .26s ease,transform .26s ease,visibility .26s;border-radius:inherit;overflow:auto;font:500 .92rem/1.5 var(--body)}
.card .more b{font:800 .72rem/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:.2rem}
.card .more ul{margin:0;padding-left:1.1rem;color:#E3EEF7}
.card .more li{margin:.2rem 0}
.card .more li::marker{color:var(--gold)}
.card .more .lk,.card .more a{color:var(--gold);margin-top:.5rem;padding-top:0;font-weight:800}
.card .more .go{display:inline-block;margin-top:.55rem;font:800 .9rem var(--body);color:var(--gold)}
.card.rev:hover .more,.card.rev.open .more,.card.rev:focus-within .more{opacity:1;visibility:visible;transform:none}
.morebtn{position:absolute;top:12px;right:12px;z-index:4;width:32px;height:32px;border-radius:50%;border:2px solid var(--sky2);background:#fff;color:var(--deep);font:800 .95rem/1 var(--body);display:grid;place-items:center;cursor:pointer;transition:.2s;box-shadow:0 6px 14px -8px rgba(14,45,80,.5)}
.card.rev:hover .morebtn,.card.rev.open .morebtn{background:var(--gold);border-color:var(--gold);color:var(--night)}
.card.rev.open .morebtn::before{content:"✕"}.morebtn::before{content:"i"}
@media(hover:none){.card.rev:hover .more{opacity:0;visibility:hidden;transform:translateY(10px)}.card.rev.open .more{opacity:1;visibility:visible;transform:none}.card.hov:hover{transform:none}}
@media(prefers-reduced-motion:reduce){.card .more{transition:none}.card.hov:hover,.qle:hover,.qcat:hover{transform:none}}

/* Tooltip stats (trust band) */
.tip{position:relative;cursor:help;border-radius:14px;padding:.5rem .4rem;transition:.2s;outline:none}
.tip:hover,.tip.open,.tip:focus-visible{background:rgba(255,255,255,.08)}
.tip::after{content:attr(data-tip);position:absolute;left:50%;top:calc(100% + 10px);transform:translateX(-50%) translateY(-6px);background:#fff;color:var(--ink);padding:.7rem .9rem;border-radius:12px;font:600 .8rem/1.45 var(--body);width:max-content;max-width:250px;white-space:normal;text-align:center;box-shadow:0 20px 40px -18px rgba(14,45,80,.55);border:1px solid var(--cardln);opacity:0;visibility:hidden;transition:.2s;z-index:6}
.tip::before{content:"";position:absolute;left:50%;top:calc(100% + 2px);transform:translateX(-50%);border:6px solid transparent;border-bottom-color:#fff;opacity:0;transition:.2s;z-index:7}
.tip:hover::after,.tip.open::after,.tip:focus-visible::after{opacity:1;visibility:visible;transform:translateX(-50%)}
.tip:hover::before,.tip.open::before,.tip:focus-visible::before{opacity:1}
@media(hover:none){.tip:hover::after{opacity:0;visibility:hidden}.tip.open::after{opacity:1;visibility:visible}}

/* Gated commission figures (contracted agents only) */
.gate{position:relative}
.gate .nvtable td:not(:first-child):not(:nth-child(2)){filter:blur(7px);user-select:none;pointer-events:none;color:#7E93A8}
.gate .tblwrap{max-height:520px}
.gateov{position:absolute;inset:0;z-index:3;display:grid;place-items:center;padding:24px;background:linear-gradient(180deg,rgba(244,249,253,.15),rgba(244,249,253,.82) 55%);border-radius:var(--r);pointer-events:none}
.gatebox{pointer-events:auto;background:#fff;border:1px solid var(--cardln);border-radius:20px;padding:28px 32px;max-width:480px;text-align:center;box-shadow:0 30px 70px -30px rgba(14,45,80,.55)}
.gatebox .lock{width:54px;height:54px;border-radius:50%;background:linear-gradient(140deg,var(--gold),#FFD24D);display:grid;place-items:center;margin:0 auto .8rem;color:var(--night)}
.gatebox h3{font-size:1.25rem}
.gatebox p{font-size:.95rem;color:#36506A;margin:.4rem 0 1rem}

/* Story (case-study) cards — illustrative examples */
.story{background:var(--card);border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;transition:.22s;position:relative}
.story:hover{transform:translateY(-5px);box-shadow:0 30px 60px -28px rgba(14,45,80,.45);border-color:var(--gold)}
.story .ph{position:relative;height:190px;overflow:hidden}
.story .ph img{width:100%;height:100%;object-fit:cover;transition:.5s}
.story:hover .ph img{transform:scale(1.05)}
.story .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(10,26,42,.55))}
.story .tag{position:absolute;left:14px;top:14px;z-index:2;background:var(--gold);color:var(--night);font:800 .66rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;padding:.4rem .6rem;border-radius:999px}
.story .who{position:absolute;left:16px;bottom:14px;right:16px;z-index:2;color:#fff;font:800 1.05rem var(--body);text-shadow:0 2px 8px rgba(0,0,0,.5)}
.story .bd{padding:20px 22px 22px;display:flex;flex-direction:column;gap:.8rem;flex:1}
.story .bd>p{font-size:.95rem;color:#36506A;margin:0}
.story .vsg{display:grid;grid-template-columns:1fr;gap:10px}
.story .col{border-radius:14px;padding:14px 14px 12px;font:500 .84rem/1.5 var(--body)}
.story .col b{display:block;font:800 .7rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;margin-bottom:.5rem}
.story .col ul{margin:0;padding-left:1rem}
.story .col li{margin:.22rem 0}
.story .col.cap{background:#FDF1EC;color:#5A2E1F;border:1px solid #F8D5C7}.story .col.cap b{color:var(--accentd)}
.story .col.ind{background:#E8F7F0;color:#143D2C;border:1px solid #BFE8D4}.story .col.ind b{color:#0C8A60}
.story .out{margin-top:auto;background:linear-gradient(120deg,var(--deep),var(--night));color:#fff;border-radius:14px;padding:12px 14px;font:700 .9rem/1.45 var(--body)}
.story .out span{color:var(--gold)}
@media(max-width:560px){.story .vsg{grid-template-columns:1fr}}
.story-mini{display:grid;grid-template-columns:200px 1fr;gap:0;border:1px solid var(--cardln);border-radius:var(--r-lg);overflow:hidden;background:var(--card)}
.story-mini img{width:100%;height:100%;object-fit:cover;min-height:200px}
.story-mini .bd{padding:22px 24px}
.story-mini .vsg{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:.8rem}
.story-mini .col{border-radius:12px;padding:12px;font:500 .86rem/1.5 var(--body)}
.story-mini .col b{display:block;font:800 .68rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;margin-bottom:.35rem}
.story-mini .col.cap{background:#FDF1EC;color:#5A2E1F}.story-mini .col.cap b{color:var(--accentd)}
.story-mini .col.ind{background:#E8F7F0;color:#143D2C}.story-mini .col.ind b{color:#0C8A60}
@media(max-width:700px){.story-mini{grid-template-columns:1fr}.story-mini img{max-height:180px}.story-mini .vsg{grid-template-columns:1fr}}

/* Hero video (FMO) + video slots */
.phero.vid{isolation:isolate}
.phero.vid>video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;opacity:.55}
.phero.vid::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(10,26,42,.94) 30%,rgba(18,49,79,.72) 70%,rgba(27,74,120,.55))}
.vidbox{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(136,208,240,.3);background:#06121F}
.vidbox video{display:block;width:100%;aspect-ratio:16/9}
.heroimg{position:relative}
.herochip{position:absolute;left:18px;bottom:18px;display:flex;gap:8px;flex-wrap:wrap;z-index:2}
.herochip span{background:rgba(10,26,42,.86);color:#fff;border:1px solid rgba(245,183,0,.5);backdrop-filter:blur(6px);border-radius:999px;padding:.45rem .8rem;font:800 .78rem/1 var(--body)}
.herochip span i{color:var(--gold);font-style:normal}
.mascotswap{position:relative}
.mascotswap img+img{position:absolute;inset:0;opacity:0;transition:.4s}
.mascotswap:hover img+img{opacity:1}

/* Header 2-row layout (desktop): logo + language/audience on row 1, centered category bar on row 2 — no wrapping labels */
header.nv .wrap{flex-wrap:wrap;padding:.55rem 24px 0}
.hdr-right{order:2}
nav.main{order:3;flex-basis:100%;justify-content:center;gap:.25rem;margin:.35rem 0 0;padding:.2rem 0 .3rem;border-top:1px solid rgba(136,208,240,.14)}
nav.main a.top,nav.main span.top{white-space:nowrap;font-size:.95rem;padding:.6rem .9rem}
@media(max-width:980px){
 header.nv .wrap{padding:.6rem 24px}
 nav.main{order:0;flex-basis:auto;margin:0;padding:0;border-top:none}
 header.nv.open nav.main{display:flex;align-items:stretch}
 header.nv.open nav.main a.top{white-space:normal;justify-content:center}
}
@media(max-width:560px){
 .logo .wm{display:none}
 .aud a{font-size:0;padding:.5rem .6rem;gap:0}
 .aud a::before{font-size:1rem}
 .aud a::after{font-size:.72rem;font-weight:800;margin-left:.3rem}
 .aud a:first-child::after{content:"Family"}
 .aud a:last-child::after{content:"Agents"}
 .hdr-right{gap:.4rem}
}
/* fit & polish */
.tip::after,.tip::before{display:none;animation:tipin .2s ease both}
.tip:hover::after,.tip.open::after,.tip:focus-visible::after,.tip:hover::before,.tip.open::before,.tip:focus-visible::before{display:block}
@keyframes tipin{from{opacity:0;transform:translateX(-50%) translateY(-6px)}to{opacity:1;transform:translateX(-50%)}}
.tip::before{animation-name:tipin2}@keyframes tipin2{from{opacity:0}to{opacity:1}}
.btn-lg{font-size:1.05rem;padding:1rem 1.6rem}
@media(max-width:560px){.btn{white-space:normal;text-align:center;line-height:1.25}}
@media(min-width:981px){.heroimg img{min-height:400px;height:100%;object-fit:cover}}
@media(max-width:980px){header.nv .wrap{flex-wrap:nowrap;gap:.6rem}}
@media(max-width:560px){
 header.nv .wrap{padding:.5rem 14px}
 .logo img{width:44px;height:44px}
 .aud{padding:.2rem}.aud a{padding:.5rem .55rem}.aud a::before{display:none}.aud a::after{margin-left:0}
 .langdd>button{padding:.42rem .55rem;font-size:.8rem}
 .burger{font-size:1.4rem;padding:0 .1rem}
 .banner{font-size:.76rem;line-height:1.4}.banner .wrap{gap:.3rem;padding:.4rem 14px}
}
@media(max-width:760px){.agentbar{bottom:52px}}