/* =========================================================
   Fact Insure — Brand stylesheet
   Palette derived from the logo (Option A)
   ========================================================= */

:root{
  --navy:#1c1f85;
  --navy-700:#171a6e;
  --navy-900:#0f1248;
  --indigo:#2c3495;
  --indigo-300:#5a63c9;
  --orange:#ed7446;
  --orange-600:#e0632c;
  --lavender:#f1f2fe;
  --lavender-2:#e9ebfb;
  --ink:#1d2030;
  --slate:#5b6072;
  --slate-light:#878ca0;
  --line:#e7e8f5;
  --white:#ffffff;

  --radius:18px;
  --radius-sm:12px;
  --radius-lg:28px;
  --shadow-sm:0 2px 8px rgba(28,31,133,.06);
  --shadow:0 18px 40px -18px rgba(28,31,133,.28);
  --shadow-lg:0 30px 70px -28px rgba(28,31,133,.40);

  --container:1180px;
  --ease:cubic-bezier(.22,.61,.36,1);

  --ff-display:"Poppins",system-ui,sans-serif;
  --ff-body:"Inter",system-ui,sans-serif;
}

/* ---------- reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--ff-body);
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{margin:0;padding:0;list-style:none}
h1,h2,h3,h4{font-family:var(--ff-display);line-height:1.12;margin:0;color:var(--navy);font-weight:700;letter-spacing:-.01em}

.container{width:min(100% - 40px,var(--container));margin-inline:auto}
.eyebrow{
  font-family:var(--ff-display);font-weight:600;font-size:.78rem;
  letter-spacing:.22em;text-transform:uppercase;color:var(--orange-600);
}
.eyebrow--light{color:#ffd9c7}
.lead{font-size:1.075rem;color:var(--slate)}
.center{text-align:center}
.section{padding:92px 0}
.section--tight{padding:64px 0}
.section-head{max-width:660px;margin:0 auto 54px}
.section-head.center{text-align:center}
.section-head h2{font-size:clamp(1.85rem,4vw,2.6rem);margin:.5rem 0 .6rem}
.section-head p{margin:0;color:var(--slate);font-size:1.05rem}

/* ---------- buttons ---------- */
.btn{
  --bg:var(--orange);--fg:#fff;
  display:inline-flex;align-items:center;gap:.55rem;
  font-family:var(--ff-display);font-weight:600;font-size:.97rem;
  padding:.85rem 1.5rem;border-radius:999px;border:1.5px solid transparent;
  background:var(--bg);color:var(--fg);cursor:pointer;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .2s;
  box-shadow:0 10px 24px -10px rgba(224,99,44,.7);
}
.btn:hover{transform:translateY(-2px);box-shadow:0 16px 30px -12px rgba(224,99,44,.8)}
.btn svg{width:18px;height:18px}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5);box-shadow:none}
.btn--ghost:hover{background:rgba(255,255,255,.12);box-shadow:none}
.btn--navy{background:var(--navy);box-shadow:0 12px 26px -12px rgba(28,31,133,.7)}
.btn--navy:hover{box-shadow:0 18px 34px -14px rgba(28,31,133,.8)}
.btn--outline{background:transparent;color:var(--navy);border-color:var(--line);box-shadow:none}
.btn--outline:hover{border-color:var(--navy);background:var(--lavender);box-shadow:none}

/* ---------- brand mark ---------- */
.brand{display:inline-flex;align-items:center;gap:.7rem}
.brand-shield{width:38px;height:42px;flex:none}
.brand-shield .body{fill:var(--navy);stroke:var(--orange);stroke-width:5}
.brand-shield .check{fill:none;stroke:#fff;stroke-width:9.5;stroke-linecap:round;stroke-linejoin:round}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-text strong{
  font-family:var(--ff-display);font-weight:800;font-size:1.18rem;
  color:var(--navy);letter-spacing:.01em;
}
.brand-text small{
  font-family:var(--ff-display);font-weight:600;font-size:.52rem;
  letter-spacing:.18em;color:var(--orange-600);margin-top:3px;
}
/* light variant for dark backgrounds */
.brand--light .body{fill:rgba(255,255,255,.10);stroke:#fff}
.brand--light .check{stroke:#fff}
.brand--light .brand-text strong{color:#fff}
.brand--light .brand-text small{color:#ffc7ad}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.86);
  backdrop-filter:saturate(160%) blur(12px);
  border-bottom:1px solid transparent;transition:box-shadow .3s,border-color .3s;
}
.site-header.scrolled{box-shadow:var(--shadow-sm);border-bottom-color:var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{
  font-family:var(--ff-display);font-weight:500;font-size:.94rem;color:var(--ink);
  padding:.5rem .85rem;border-radius:999px;transition:color .2s,background .2s;position:relative;
}
.nav-links a:hover{color:var(--navy);background:var(--lavender)}
.nav-links a.active{color:var(--navy)}
.nav-links a.active::after{
  content:"";position:absolute;left:50%;bottom:2px;transform:translateX(-50%);
  width:18px;height:3px;border-radius:3px;background:var(--orange);
}
.nav-cta{display:flex;align-items:center;gap:.7rem}
.nav-tel{display:inline-flex;align-items:center;gap:.45rem;font-family:var(--ff-display);
  font-weight:600;font-size:.92rem;color:var(--navy)}
.nav-tel svg{width:17px;height:17px;color:var(--orange-600)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--navy)}
.nav-toggle svg{width:26px;height:26px}

/* ---------- hero ---------- */
.hero{
  position:relative;overflow:hidden;color:#fff;
  background:
    radial-gradient(1100px 540px at 82% -10%,rgba(237,116,70,.30),transparent 60%),
    radial-gradient(900px 560px at 8% 110%,rgba(90,99,201,.45),transparent 60%),
    linear-gradient(150deg,var(--navy-900),var(--navy) 55%,var(--indigo));
}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.10) 1px,transparent 1px);
  background-size:26px 26px;mask-image:linear-gradient(to bottom,#000,transparent 70%);opacity:.5;
}
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;
  gap:48px;align-items:center;padding:84px 0 96px}
.hero h1{color:#fff;font-size:clamp(2.3rem,5vw,3.55rem);font-weight:800;letter-spacing:-.02em}
.hero h1 .hl{color:#ffb48f}
.hero p{color:rgba(255,255,255,.84);font-size:1.12rem;max-width:34ch;margin:1.1rem 0 1.9rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem}
.hero-eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.10);
  border:1px solid rgba(255,255,255,.18);padding:.4rem .85rem;border-radius:999px;margin-bottom:1.2rem}
.hero-eyebrow span{font-family:var(--ff-display);font-weight:600;font-size:.74rem;letter-spacing:.14em;
  text-transform:uppercase;color:#ffd9c7}
.hero-eyebrow svg{width:15px;height:15px;color:#ffb48f}

/* hero art */
.hero-art{position:relative;display:flex;justify-content:center;align-items:center;min-height:360px}
.hero-shield{width:min(340px,80%);filter:drop-shadow(0 30px 50px rgba(0,0,0,.35))}
.hero-shield .hbody{fill:url(#heroGrad);stroke:var(--orange);stroke-width:4}
.hero-shield .hcheck{fill:none;stroke:#fff;stroke-width:8.5;stroke-linecap:round;stroke-linejoin:round}
.float-card{
  position:absolute;background:#fff;color:var(--ink);border-radius:14px;padding:.7rem .95rem;
  box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:.6rem;font-size:.86rem;font-weight:600;
  font-family:var(--ff-display);animation:float 6s ease-in-out infinite;
}
.float-card .dot{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;flex:none}
.float-card .dot svg{width:18px;height:18px}
.fc-1{top:8%;left:-2%;animation-delay:0s}
.fc-2{bottom:12%;right:-4%;animation-delay:1.5s}
.fc-3{bottom:-2%;left:10%;animation-delay:.8s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}

/* ---------- partner / trust strip ---------- */
.trust{background:var(--white);border-bottom:1px solid var(--line)}
.trust-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;
  gap:24px;padding:26px 0}
.trust-inner p{margin:0;font-family:var(--ff-display);font-weight:600;color:var(--navy);font-size:.95rem}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{font-family:var(--ff-display);font-weight:500;font-size:.84rem;color:var(--slate);
  background:var(--lavender);border:1px solid var(--line);padding:.4rem .9rem;border-radius:999px}

/* ---------- feature cards grid ---------- */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s;
  position:relative;overflow:hidden;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card .ico{
  width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(135deg,var(--lavender),var(--lavender-2));color:var(--navy);
}
.card .ico svg{width:26px;height:26px}
.card:hover .ico{background:linear-gradient(135deg,var(--navy),var(--indigo));color:#fff}
.card .ico{transition:background .3s,color .3s}
.card h3{font-size:1.18rem;margin-bottom:.45rem}
.card p{margin:0;color:var(--slate);font-size:.96rem}
.card--accent .ico{background:linear-gradient(135deg,#ffe6d8,#ffd2bd);color:var(--orange-600)}
.card--accent:hover .ico{background:linear-gradient(135deg,var(--orange),var(--orange-600));color:#fff}

/* services list page tags */
.tag-list{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.tag-list span{font-size:.78rem;font-family:var(--ff-display);font-weight:500;color:var(--navy);
  background:var(--lavender);padding:.3rem .7rem;border-radius:8px}

/* ---------- alt section bg ---------- */
.bg-lav{background:var(--lavender)}
.bg-navy{background:linear-gradient(160deg,var(--navy-900),var(--navy));color:#fff}
.bg-navy h2,.bg-navy h3{color:#fff}
.bg-navy .lead,.bg-navy p{color:rgba(255,255,255,.82)}

/* ---------- value / why list ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.feature-row{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid var(--line)}
.feature-row:last-child{border-bottom:0}
.feature-row .fi{width:46px;height:46px;border-radius:12px;flex:none;display:grid;place-items:center;
  background:var(--lavender);color:var(--navy)}
.feature-row .fi svg{width:23px;height:23px}
.feature-row h4{font-size:1.08rem;margin-bottom:.2rem}
.feature-row p{margin:0;color:var(--slate);font-size:.95rem}

/* media panel */
.media-panel{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  background:linear-gradient(160deg,var(--navy),var(--indigo));padding:46px;color:#fff;min-height:340px;
  display:flex;flex-direction:column;justify-content:flex-end;box-shadow:var(--shadow);
}
.media-panel::before{content:"";position:absolute;inset:0;
  background:radial-gradient(420px 280px at 80% 10%,rgba(237,116,70,.35),transparent 60%)}
.media-panel .pn-shield{position:absolute;top:-30px;right:-20px;width:230px;opacity:.16}
.media-panel .pn-shield path{fill:#fff}
.media-panel h3{position:relative;font-size:1.5rem;margin-bottom:.5rem;color:#fff}
.media-panel p{position:relative;color:rgba(255,255,255,.85)}
.stat-row{position:relative;display:flex;gap:30px;margin-top:22px}
.stat-row b{font-family:var(--ff-display);font-size:1.6rem;display:block;color:#fff}
.stat-row span{font-size:.82rem;color:rgba(255,255,255,.75)}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
.step{position:relative;padding:30px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step .num{font-family:var(--ff-display);font-weight:800;font-size:2rem;color:var(--lavender-2);
  -webkit-text-stroke:1px var(--indigo-300);line-height:1}
.step h4{font-size:1.1rem;margin:.6rem 0 .4rem}
.step p{margin:0;color:var(--slate);font-size:.93rem}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;border-radius:var(--radius-lg);
  background:linear-gradient(150deg,var(--navy-900),var(--navy) 60%,var(--indigo));
  color:#fff;padding:60px 56px;display:flex;flex-wrap:wrap;gap:28px;align-items:center;
  justify-content:space-between;box-shadow:var(--shadow)}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:280px;height:280px;
  background:radial-gradient(circle,rgba(237,116,70,.4),transparent 65%)}
.cta-band h2{color:#fff;font-size:clamp(1.7rem,3.5vw,2.3rem);position:relative}
.cta-band p{color:rgba(255,255,255,.82);margin:.5rem 0 0;position:relative;max-width:46ch}
.cta-actions{display:flex;flex-wrap:wrap;gap:.8rem;position:relative}

/* ---------- page hero (interior) ---------- */
.page-hero{position:relative;overflow:hidden;color:#fff;padding:74px 0 64px;
  background:radial-gradient(900px 460px at 85% -20%,rgba(237,116,70,.28),transparent 60%),
  linear-gradient(150deg,var(--navy-900),var(--navy) 60%,var(--indigo))}
.page-hero::after{content:"";position:absolute;inset:0;
  background-image:radial-gradient(rgba(255,255,255,.10) 1px,transparent 1px);
  background-size:26px 26px;mask-image:linear-gradient(to bottom,#000,transparent 75%);opacity:.45}
.page-hero .inner{position:relative;z-index:2;max-width:680px}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3rem);font-weight:800;margin:.6rem 0 .7rem}
.page-hero p{color:rgba(255,255,255,.85);font-size:1.08rem;margin:0;max-width:52ch}
.crumbs{font-family:var(--ff-display);font-weight:500;font-size:.85rem;color:rgba(255,255,255,.7)}
.crumbs a:hover{color:#fff}
.crumbs .sep{margin:0 .4rem;color:rgba(255,255,255,.4)}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:34px;box-shadow:var(--shadow-sm)}
.field{margin-bottom:18px}
.field label{display:block;font-family:var(--ff-display);font-weight:500;font-size:.86rem;
  color:var(--navy);margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;font-family:var(--ff-body);font-size:.96rem;color:var(--ink);
  padding:.8rem .95rem;border:1.5px solid var(--line);border-radius:12px;background:#fcfcff;
  transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--indigo-300);box-shadow:0 0 0 4px rgba(90,99,201,.15)}
.field textarea{min-height:128px;resize:vertical}
.form .btn{width:100%;justify-content:center;margin-top:6px}
.form-note{font-size:.82rem;color:var(--slate-light);margin:14px 0 0;text-align:center}

.info-card{background:var(--lavender);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;margin-bottom:18px}
.info-card h3{font-size:1.12rem;margin-bottom:.3rem}
.info-line{display:flex;gap:13px;padding:11px 0;border-bottom:1px solid var(--line);align-items:flex-start}
.info-line:last-child{border-bottom:0}
.info-line .ii{width:40px;height:40px;border-radius:11px;flex:none;display:grid;place-items:center;
  background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}
.info-line .ii svg{width:20px;height:20px}
.info-line a:hover,.info-line span a:hover{color:var(--orange-600)}
.info-line b{font-family:var(--ff-display);font-size:.82rem;color:var(--slate);font-weight:600;
  display:block;text-transform:uppercase;letter-spacing:.08em}
.info-line .v{color:var(--ink);font-weight:500}

/* branch cards */
.branch-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s}
.branch-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.branch-map{aspect-ratio:16/9;border:0;width:100%;display:block;filter:saturate(.95)}
.branch-body{padding:28px}
.branch-tag{display:inline-flex;align-items:center;gap:.4rem;font-family:var(--ff-display);
  font-weight:600;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--orange-600);
  background:#ffe9df;padding:.3rem .7rem;border-radius:999px;margin-bottom:12px}
.branch-body h3{font-size:1.3rem;margin-bottom:.5rem}
.map-embed{border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.map-embed iframe{width:100%;height:380px;border:0;display:block}

/* ---------- footer ---------- */
.site-footer{background:linear-gradient(160deg,var(--navy-900),var(--navy));color:rgba(255,255,255,.78);
  padding:64px 0 28px;position:relative;overflow:hidden}
.site-footer::before{content:"";position:absolute;top:-80px;left:-60px;width:320px;height:320px;
  background:radial-gradient(circle,rgba(90,99,201,.4),transparent 65%)}
.footer-grid{position:relative;display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:40px;
  padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12)}
.footer-grid p{font-size:.92rem;margin:16px 0 0;max-width:34ch}
.footer-col h4{color:#fff;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;
  font-family:var(--ff-display);font-weight:600;margin-bottom:16px}
.footer-col a{display:block;font-size:.93rem;padding:5px 0;color:rgba(255,255,255,.74);transition:color .2s}
.footer-col a:hover{color:#ffb48f}
.footer-contact li{display:flex;gap:10px;font-size:.92rem;padding:6px 0;align-items:flex-start}
.footer-contact svg{width:17px;height:17px;color:#ffb48f;flex:none;margin-top:3px}
.footer-bottom{position:relative;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;
  align-items:center;padding-top:22px;font-size:.85rem;color:rgba(255,255,255,.6)}
.footer-bottom a:hover{color:#fff}

/* ---------- reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ---------- modern polish: stagger, motion & entrances ---------- */
/* staggered reveals so grid rows cascade in */
.grid-3 > .reveal:nth-child(3n+2){transition-delay:.08s}
.grid-3 > .reveal:nth-child(3n){transition-delay:.16s}
.grid-2 > .reveal:nth-child(2n){transition-delay:.09s}
.steps > .reveal:nth-child(2){transition-delay:.1s}
.steps > .reveal:nth-child(3){transition-delay:.2s}
.steps > .reveal:nth-child(4){transition-delay:.3s}

/* card icon springs on hover */
.card .ico{transition:background .3s,color .3s,transform .35s var(--ease)}
.card:hover .ico{transform:scale(1.07) rotate(-3deg)}

/* animated top accent bar on service product cards */
.card--link::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--orange),var(--indigo-300));
  transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);z-index:2}
.card--link:hover::before{transform:scaleX(1)}

/* step number badge lifts and colours on hover */
.step{transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.step:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}
.step .num{transition:color .3s var(--ease)}
.step:hover .num{color:var(--orange)}

/* gentle float for the decorative panel shield */
.media-panel .pn-shield{animation:floatY 7s ease-in-out infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}

/* interior page-hero content fades up in sequence on load */
@keyframes heroUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:none}}
.page-hero .inner > *{animation:heroUp .7s var(--ease) both}
.page-hero .inner > *:nth-child(2){animation-delay:.08s}
.page-hero .inner > *:nth-child(3){animation-delay:.16s}
.page-hero .inner > *:nth-child(4){animation-delay:.24s}
.page-hero .inner > *:nth-child(5){animation-delay:.32s}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .hero-inner{grid-template-columns:1fr;gap:30px;padding:64px 0 80px;text-align:center}
  .hero p{margin-inline:auto}
  .hero-actions{justify-content:center}
  .hero-art{min-height:300px}
  .split{grid-template-columns:1fr;gap:34px}
  .contact-grid{grid-template-columns:1fr;gap:30px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media (max-width:760px){
  .section{padding:64px 0}
  .nav{height:64px}
  .nav-links,.nav-tel{display:none}
  .nav-toggle{display:inline-flex}
  .nav-cta{gap:.4rem}
  .nav-cta .btn{padding:.5rem 1rem;font-size:.84rem;white-space:nowrap;box-shadow:none}
  .nav-cta .btn svg{display:none}
  .brand{gap:.55rem}
  .brand-shield{width:32px;height:36px}
  .brand-text strong{font-size:1.02rem}
  .brand-text small{white-space:nowrap;font-size:.47rem;letter-spacing:.12em}
  .nav.open .nav-links{
    display:flex;position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;
    background:#fff;border-bottom:1px solid var(--line);padding:14px 20px;gap:2px;box-shadow:var(--shadow)}
  .nav.open .nav-links a{padding:.8rem 1rem;border-radius:12px}
  .nav.open .nav-links a.active::after{display:none}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .cta-band{padding:40px 28px}
  .media-panel{padding:34px}
}
@media (max-width:520px){
  .grid-4{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .brand-text small{display:none}
  .nav-cta .btn{padding:.48rem .9rem;font-size:.8rem}
  .section-head h2{font-size:1.7rem}
}
@media (max-width:360px){
  .nav-cta .btn{display:none}
}

@media (prefers-reduced-motion:reduce){
  *{animation:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none;transition:none}
}

/* visible keyboard focus */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--orange);outline-offset:2px;border-radius:6px}

/* ============ ADDED: Reviews, Stats, Useful Info ============ */

/* --- Google reviews band --- */
.reviews{background:var(--white)}
.rating-card{display:flex;flex-wrap:wrap;align-items:center;gap:30px;justify-content:space-between;
  background:linear-gradient(150deg,var(--navy-900),var(--navy) 60%,var(--indigo));color:#fff;
  border-radius:var(--radius-lg);padding:44px 48px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.rating-card::after{content:"";position:absolute;right:-70px;bottom:-70px;width:280px;height:280px;
  background:radial-gradient(circle,rgba(237,116,70,.35),transparent 65%);pointer-events:none}
.rating-left{position:relative;display:flex;align-items:center;gap:22px}
.rating-score{font-family:var(--ff-display);font-weight:800;font-size:3.4rem;line-height:1;color:#fff}
.stars{display:flex;gap:3px;margin-bottom:6px}
.stars svg{width:20px;height:20px;fill:#ffc043;color:#ffc043}
.rating-meta small{display:block;color:rgba(255,255,255,.8);font-size:.9rem}
.rating-meta .gl{display:inline-flex;align-items:center;gap:7px;font-family:var(--ff-display);
  font-weight:600;font-size:.95rem;color:#fff}
.rating-actions{position:relative;display:flex;flex-wrap:wrap;gap:.7rem}

.review-slider-wrap{margin-top:30px}
.review-grid{
  display:flex;gap:22px;margin-top:0;
  overflow-x:auto;scroll-snap-type:x proximity;scroll-padding-left:2px;
  -webkit-overflow-scrolling:touch;scrollbar-width:none;padding-bottom:4px}
.review-grid::-webkit-scrollbar{display:none}
.review-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:12px;
  flex:0 0 100%;scroll-snap-align:start}
.review-card .stars svg{width:16px;height:16px}
.review-card p{margin:0;color:var(--slate);font-size:.96rem;flex:1}
.review-who{display:flex;align-items:center;gap:11px;margin-top:4px}
.review-av{width:38px;height:38px;border-radius:50%;flex:none;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--lavender),var(--lavender-2));color:var(--navy);
  font-family:var(--ff-display);font-weight:700;font-size:.95rem}
.review-who b{font-family:var(--ff-display);font-size:.93rem;color:var(--navy);display:block;line-height:1.3}
.review-who span{font-size:.8rem;color:var(--slate-light)}

.slider-controls{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:26px}
.slider-btn{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;
  color:var(--navy);display:grid;place-items:center;cursor:pointer;flex:none;
  box-shadow:var(--shadow-sm);transition:background .2s var(--ease),color .2s var(--ease),transform .2s var(--ease)}
.slider-btn svg{width:20px;height:20px}
.slider-btn:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.slider-btn:disabled{opacity:.35;cursor:default;transform:none;background:#fff;color:var(--navy)}
.slider-dots{display:flex;align-items:center;gap:8px}
.slider-dots button{width:9px;height:9px;padding:0;border:none;border-radius:50%;background:var(--line);
  cursor:pointer;transition:background .2s var(--ease),transform .2s var(--ease)}
.slider-dots button.is-active{background:var(--orange);transform:scale(1.3)}

@media(min-width:700px){
  .review-card{flex:0 0 calc((100% - 22px) / 2)}
}
@media(min-width:1000px){
  .review-card{flex:0 0 calc((100% - 44px) / 3)}
}

/* --- Big stat grid (About) --- */
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.stat-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;text-align:center}
.stat-box b{display:block;font-family:var(--ff-display);font-weight:800;color:var(--navy);
  font-size:clamp(1.7rem,3vw,2.2rem);line-height:1.1;letter-spacing:-.02em}
.stat-box span{display:block;margin-top:8px;color:var(--slate);font-size:.92rem}
.stat-box.is-accent b{color:var(--orange-600)}
.stat-note{text-align:center;color:var(--slate-light);font-size:.85rem;margin-top:20px}

/* --- Corporate customers --- */
.corp-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.corp-item{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-sm);padding:18px 20px}
.corp-item .ci{width:42px;height:42px;border-radius:11px;flex:none;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--lavender),var(--lavender-2));color:var(--navy)}
.corp-item .ci svg{width:21px;height:21px}
.corp-item b{font-family:var(--ff-display);font-weight:600;font-size:.97rem;color:var(--ink);line-height:1.35}

/* --- Useful Info: jump nav --- */
.jump-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.jump-nav a{font-family:var(--ff-display);font-weight:600;font-size:.9rem;color:#fff;
  background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.24);
  padding:.6rem 1.2rem;border-radius:999px;backdrop-filter:blur(6px);
  display:inline-flex;align-items:center;gap:.55rem;
  transition:transform .25s var(--ease),background .25s var(--ease),border-color .25s var(--ease),box-shadow .25s var(--ease)}
.jump-nav a::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--orange);flex:none;
  transition:transform .25s var(--ease),background .25s var(--ease)}
.jump-nav a:hover{transform:translateY(-3px);background:var(--orange);border-color:var(--orange);
  box-shadow:0 12px 26px -10px rgba(224,99,44,.6)}
.jump-nav a:hover::before{background:#fff;transform:scale(1.5)}

/* --- Document checklist --- */
.doc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;height:100%}
.doc-card > h3{display:flex;align-items:center;gap:12px;font-size:1.25rem;margin-bottom:6px}
.doc-card > h3 .dh{width:44px;height:44px;border-radius:12px;flex:none;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--lavender),var(--lavender-2));color:var(--navy)}
.doc-card > h3 .dh svg{width:22px;height:22px}
.doc-card > p{color:var(--slate);font-size:.95rem;margin:0 0 8px}
.doc-sub{font-family:var(--ff-display);font-weight:600;font-size:.76rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--orange-600);margin:22px 0 12px}
.doc-list li{display:flex;gap:11px;padding:8px 0;font-size:.95rem;color:var(--slate);
  border-bottom:1px dashed var(--line);align-items:flex-start}
.doc-list li:last-child{border-bottom:0}
.doc-list li svg{width:17px;height:17px;color:var(--orange);flex:none;margin-top:4px}

/* --- Document accordion (dropdown) --- */
.doc-accordion{max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:18px}
.doc-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);overflow:hidden;
  transition:box-shadow .25s var(--ease),border-color .25s var(--ease)}
.doc-item[open]{box-shadow:var(--shadow);border-color:transparent}
.doc-summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:16px;
  padding:22px 26px;user-select:none;-webkit-tap-highlight-color:transparent}
.doc-summary::-webkit-details-marker{display:none}
.doc-summary::marker{content:""}
.doc-summary .dh{width:46px;height:46px;border-radius:13px;flex:none;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--lavender),var(--lavender-2));color:var(--navy);
  transition:background .25s var(--ease),color .25s var(--ease)}
.doc-summary .dh svg{width:23px;height:23px}
.doc-item[open] .doc-summary .dh{background:linear-gradient(135deg,var(--navy),var(--indigo));color:#fff}
.doc-summary-text{display:flex;flex-direction:column;gap:2px;flex:1;min-width:0}
.doc-summary-title{font-family:var(--ff-display);font-weight:700;color:var(--navy);
  font-size:1.18rem;line-height:1.2}
.doc-summary-desc{color:var(--slate);font-size:.9rem}
.doc-chev{flex:none;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;
  background:var(--lavender);color:var(--navy);
  transition:transform .3s var(--ease),background .25s var(--ease),color .25s var(--ease)}
.doc-chev svg{width:20px;height:20px}
.doc-summary:hover .doc-chev{background:var(--orange);color:#fff}
.doc-item[open] .doc-chev{transform:rotate(180deg);background:var(--orange);color:#fff}
.doc-panel{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.doc-item[open] .doc-panel{max-height:1500px}
.doc-panel-inner{padding:2px 26px 28px 26px}
.doc-panel-inner .doc-sub:first-child{margin-top:6px}
@media(max-width:520px){
  .doc-summary{padding:18px;gap:13px}
  .doc-summary .dh{width:42px;height:42px}
  .doc-summary-title{font-size:1.05rem}
  .doc-panel-inner{padding:2px 18px 22px 18px}
}

/* --- Do's & Don'ts --- */
.dd-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.dd-card{border-radius:var(--radius);padding:30px;border:1px solid var(--line);background:#fff;height:100%}
.dd-card h4{display:flex;align-items:center;gap:10px;font-size:1.1rem;margin-bottom:16px}
.dd-card h4 .badge{width:34px;height:34px;border-radius:10px;flex:none;display:grid;place-items:center}
.dd-card h4 .badge svg{width:19px;height:19px}
.dd-do{border-color:#c9ecd8;background:linear-gradient(180deg,#f2fbf6,#fff 55%)}
.dd-do h4{color:#12784a}
.dd-do h4 .badge{background:#dcf3e6;color:#1aa260}
.dd-dont{border-color:#f7d6cb;background:linear-gradient(180deg,#fef5f1,#fff 55%)}
.dd-dont h4{color:#b03f18}
.dd-dont h4 .badge{background:#ffe2d5;color:#e0632c}
.dd-card ol{margin:0;padding-left:0;list-style:none;counter-reset:dd}
.dd-card ol li{counter-increment:dd;display:flex;gap:12px;padding:9px 0;font-size:.95rem;
  color:var(--slate);line-height:1.55}
.dd-card ol li::before{content:counter(dd);flex:none;width:22px;height:22px;border-radius:50%;
  display:grid;place-items:center;font-family:var(--ff-display);font-weight:700;font-size:.72rem;margin-top:2px}
.dd-do ol li::before{background:#dcf3e6;color:#12784a}
.dd-dont ol li::before{background:#ffe2d5;color:#b03f18}

/* --- Why-cover explainer --- */
.why-card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--orange);
  border-radius:var(--radius);padding:32px}
.why-card h3{font-size:1.3rem;margin-bottom:12px}
.why-card p{color:var(--slate);margin:0 0 12px;font-size:1rem}
.why-card p:last-child{margin-bottom:0}
.why-card .punch{font-family:var(--ff-display);font-weight:600;color:var(--navy);font-size:1.02rem}

/* --- Responsive --- */
@media (max-width:980px){
  .stat-grid{grid-template-columns:1fr 1fr}
  .dd-grid{grid-template-columns:1fr}
  .rating-card{padding:36px 30px}
}
@media (max-width:760px){
  .rating-left{gap:16px}
  .rating-score{font-size:2.8rem}
}
@media (max-width:520px){
  .stat-grid{grid-template-columns:1fr}
  .doc-card,.dd-card,.why-card{padding:24px}
}

/* ============ ADDED: WhatsApp enquiry on service cards ============ */
.card--link{display:flex;flex-direction:column;transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s}
.card--link:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#cfd3f2}
.card--link .tag-list{margin-bottom:18px}
.card--link > p{flex:1}
.wa-link{margin-top:auto;display:inline-flex;align-items:center;gap:.55rem;font-family:var(--ff-display);
  font-weight:600;font-size:.92rem;color:#128c7e;padding:.7rem 1.1rem;border-radius:999px;
  background:#e9f8f3;border:1px solid #cbeade;align-self:flex-start;
  transition:background .2s,transform .2s var(--ease),color .2s}
.wa-link svg{width:18px;height:18px;flex:none}
.wa-link:hover{background:#128c7e;color:#fff;transform:translateY(-2px)}
.wa-link:hover svg{fill:#fff}
.wa-link svg{fill:#128c7e;transition:fill .2s}

/* Floating WhatsApp button */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:80;width:56px;height:56px;border-radius:50%;
  background:#25d366;display:grid;place-items:center;box-shadow:0 12px 30px -8px rgba(37,211,102,.7);
  transition:transform .25s var(--ease)}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px;fill:#fff}
@media (max-width:520px){.wa-float{right:16px;bottom:16px;width:52px;height:52px}}

/* ---------- emergency number highlight (contact card) ---------- */
.emg-num{font-weight:700;color:var(--orange-600)!important;display:inline-flex;align-items:center}
.emg-badge{margin-left:8px;font-family:var(--ff-display);font-weight:700;font-size:.6rem;
  letter-spacing:.07em;text-transform:uppercase;color:#fff;background:var(--orange);
  padding:.18rem .55rem;border-radius:999px;line-height:1.4;
  box-shadow:0 4px 10px -4px rgba(224,99,44,.7)}

/* ---------- footer social links ---------- */
.social-links{display:flex;gap:10px;margin-top:20px}
.social-links a{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff;
  transition:background .25s var(--ease),transform .25s var(--ease),border-color .25s var(--ease)}
.social-links a svg{width:19px;height:19px}
.social-links a:hover{background:var(--orange);border-color:var(--orange);transform:translateY(-3px)}

/* ---------- custom cursor ---------- */
.cursor-dot,.cursor-ring{position:fixed;top:0;left:0;pointer-events:none;z-index:9999;
  border-radius:50%;will-change:transform;transform:translate3d(-100px,-100px,0)}
.cursor-dot{width:8px;height:8px;background:var(--orange);
  box-shadow:0 0 14px rgba(237,116,70,.9)}
.cursor-ring{width:38px;height:38px;border:2px solid rgba(237,116,70,.65);
  transition:width .28s var(--ease),height .28s var(--ease),
    background-color .28s var(--ease),border-color .28s var(--ease),opacity .3s}
/* grow + glow over interactive elements */
body.cursor-hover .cursor-ring{width:58px;height:58px;
  background:rgba(237,116,70,.14);border-color:var(--orange)}
body.cursor-hover .cursor-dot{background:var(--navy);box-shadow:0 0 14px rgba(28,31,133,.7)}
/* click pulse */
body.cursor-down .cursor-ring{width:30px;height:30px;background:rgba(237,116,70,.22)}
/* hide when pointer leaves the window */
body.cursor-out .cursor-dot,body.cursor-out .cursor-ring{opacity:0}
/* hide native cursor once custom cursor is active (desktop only) */
@media (hover:hover) and (pointer:fine){
  body.has-custom-cursor,body.has-custom-cursor *{cursor:none !important}
}
@media (prefers-reduced-motion:reduce){
  .cursor-dot,.cursor-ring{display:none}
}