/* ==========================================================================
   MaryamKasimova.com — design system
   Colours sampled from the approved mockups (see _planning/stage-1-image-map.md)
   ========================================================================== */

@font-face {
  font-family: "Source Serif";
  src: url("/assets/fonts/source-serif-4-latin-opsz-normal.woff2") format("woff2-variations");
  font-weight: 200 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Outfit";
  src: url("/assets/fonts/outfit-latin-wght-normal.woff2") format("woff2-variations");
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}

:root {
  /* surfaces */
  --cream: #fcf9f2;          /* page */
  --cream-2: #f7f3ea;        /* numbers section */
  --cream-3: #f4eee7;        /* carrier / band */
  --nav: #faf5ef;
  --card: #fbf7f1;
  --card-2: #f7efe4;         /* stat card */
  --row: #efe8e0;            /* expertise rows */
  --chip: #e8ddd4;
  --step: #ebdac6;
  --panel: #dacbbb;
  --line: #e6d9cb;
  --line-strong: #d6c3af;

  /* accents */
  --taupe: #b89d85;          /* icon badges */
  --gold: #a27750;           /* rules */
  --gold-soft: #bc9b7d;
  --gold-light: #e6c395;     /* hero emphasis */
  --camel: #996e4c;
  --mocha: #7f5a42;          /* service title box */
  --mocha-text: #6a4834;     /* About / Blog headings */
  --espresso: #4c3627;       /* primary button */
  --espresso-deep: #3b261c;  /* hero */
  --check: #633e24;

  /* text */
  --ink: #2b1b12;
  --text: #45352b;
  --muted: #6b5a4e;

  --footer-a: #6e4a30;
  --footer-b: #8a5e3a;

  --serif: "Source Serif", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --sans: "Outfit", "Segoe UI", system-ui, -apple-system, sans-serif;

  --fs-display: clamp(3rem, 1.9rem + 4.6vw, 5.4rem);
  --fs-h1: clamp(2.6rem, 1.8rem + 3.4vw, 4.6rem);
  --fs-h2: clamp(2.15rem, 1.6rem + 2.2vw, 3.5rem);
  --fs-h3: clamp(1.7rem, 1.35rem + 1.3vw, 2.6rem);
  --fs-lead: clamp(1.2rem, 1.05rem + .6vw, 1.55rem);
  --fs-body: 1.0625rem;

  --radius-s: 8px;
  --radius: 14px;
  --radius-l: 20px;
  --shadow: 0 1px 2px rgba(74, 52, 36, .05), 0 8px 24px rgba(74, 52, 36, .07);
  --shadow-soft: 0 1px 2px rgba(74, 52, 36, .04), 0 4px 14px rgba(74, 52, 36, .05);

  --container: 1180px;
  --gutter: clamp(16px, 4vw, 40px);
  --section-y: clamp(56px, 8vw, 104px);
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; } }
body {
  margin: 0;
  background: var(--cream);
  color: var(--text);
  font-family: var(--sans);
  font-size: var(--fs-body);
  line-height: 1.65;
  font-weight: 380;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
picture { display: contents; }
img { height: auto; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: .2em; }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); font-weight: 500; line-height: 1.1; letter-spacing: -.012em; margin: 0; font-optical-sizing: auto; }
p { margin: 0 0 1em; }
strong { font-weight: 600; color: var(--ink); }
ul { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.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; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--espresso); color: #fff; padding: 10px 16px; border-radius: var(--radius-s); text-decoration: none; }
.skip-link:focus { top: 12px; }

.container { width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; }
.container--narrow { width: min(100% - 2 * var(--gutter), 800px); margin-inline: auto; }
.section { padding-block: var(--section-y); }
.icon { width: 1em; height: 1em; flex: none; }

/* ---------- shared type ---------- */
.eyebrow {
  font-family: var(--sans);
  text-transform: uppercase;
  letter-spacing: .28em;
  font-size: .8rem;
  font-weight: 450;
  color: var(--muted);
  margin: 0;
}
.eyebrow--ruled { display: flex; align-items: center; justify-content: center; gap: 1.2em; text-align: center; }
.eyebrow--ruled::before, .eyebrow--ruled::after { content: ""; height: 1px; flex: 0 1 110px; background: var(--line-strong); }
.dot-sep { display: inline-block; margin-inline: .7em; }
.section-title { font-size: var(--fs-h2); }
.section-title--center { text-align: center; }
.gold-rule { width: 72px; height: 2px; background: var(--gold); border: 0; margin: 22px 0; opacity: .85; }
.gold-rule--center { margin-inline: auto; }
.lead { font-size: var(--fs-lead); color: var(--text); }
.subtitle { text-align: center; color: var(--muted); font-size: 1.15rem; letter-spacing: .02em; margin: .6em 0 0; }

/* divider: thin rules + a small dot (same dot as the hero service strip) */
.sparkle { display: flex; align-items: center; gap: 16px; color: var(--gold-soft); margin-block: clamp(36px, 5vw, 56px); }
.sparkle::before, .sparkle::after { content: ""; flex: 1; height: 1px; background: var(--line-strong); }
.sparkle__dot { width: 7px; height: 7px; border-radius: 50%; background: #c49868; flex: none; }

/* ---------- buttons ---------- */
.btn { max-width: 100%;
  display: inline-flex; align-items: center; justify-content: center; gap: .65em;
  min-height: 54px; padding: 0 28px;
  font-family: var(--serif); font-size: 1.15rem; font-weight: 450; letter-spacing: .01em;
  border-radius: 10px; border: 1px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: background-color .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s;
}
.btn .icon { width: 1.1em; height: 1.1em; }
.btn--primary { background: var(--espresso); color: #fbf3e8; }
.btn--primary:hover { background: #3a281c; }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--camel); }
.btn--outline:hover { background: rgba(153, 110, 76, .08); }
.btn--taupe { background: #8a6a52; color: #fff; border-radius: var(--radius-s); }
.btn--taupe:hover { background: #765a45; }
.btn--beige { background: #f1e6d8; color: var(--ink); border-color: #e2d2bf; box-shadow: var(--shadow-soft); }
.btn--beige:hover { background: #ebdecd; }
.btn--pill {
  border-radius: 999px; min-height: 66px; padding: 0 38px;
  text-transform: uppercase; letter-spacing: .2em; font-size: 1.12rem;
  background: linear-gradient(180deg, #93694a, #7c573d); color: #fdf6ec;
  box-shadow: 0 10px 24px rgba(110, 76, 52, .22);
}
a.btn--pill:hover { transform: translateY(-1px); box-shadow: 0 14px 28px rgba(71, 44, 29, .28); }
.btn--static { cursor: default; }
.btn--block { width: 100%; }

.text-link { display: inline-flex; align-items: center; gap: .5em; color: var(--mocha-text); font-family: var(--serif); font-size: 1.15rem; text-decoration: none; border-bottom: 1px solid currentColor; padding-bottom: 4px; }
.text-link .icon { width: 1em; }
.text-link:hover { color: var(--espresso); }

/* ---------- placeholders (development only) ---------- */
.placeholder { position: relative; outline: 2px dashed #c0843f; outline-offset: 4px; }
.placeholder-tag {
  display: inline-block; font: 600 .7rem/1 var(--sans); letter-spacing: .12em; text-transform: uppercase;
  background: #c0843f; color: #fff; padding: 5px 8px; border-radius: 4px; margin-bottom: 10px;
}

/* ==========================================================================
   Header / navigation (mockups 03, 04, 16)
   ========================================================================== */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(250, 245, 239, .96); backdrop-filter: saturate(1.2) blur(6px); border-bottom: 1px solid #ede3d7; }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 72px; }
.wordmark { font-family: var(--sans); text-transform: uppercase; letter-spacing: .26em; font-size: .9rem; font-weight: 500; color: var(--ink); text-decoration: none; white-space: nowrap; }
.main-nav ul { list-style: none; display: flex; gap: clamp(18px, 3vw, 46px); }
.main-nav a { font-family: var(--serif); font-size: 1.15rem; color: var(--ink); text-decoration: none; padding: 8px 0; position: relative; white-space: nowrap; }
.main-nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--camel); transform: scaleX(0); transition: transform .2s; }
.main-nav a:hover::after, .main-nav a[aria-current="page"]::after { transform: scaleX(1); }

@media (max-width: 859px) {
  .site-header__inner { min-height: 56px; justify-content: center; }
  .wordmark { display: none; }
  .main-nav { width: 100%; overflow-x: auto; scrollbar-width: none; }
  .main-nav::-webkit-scrollbar { display: none; }
  .main-nav ul { justify-content: space-between; gap: 14px; min-width: max-content; padding-inline: 2px; }
  .main-nav a { font-size: 1.02rem; padding: 14px 0 12px; }
}
@media (max-width: 859px) and (min-width: 350px) { .main-nav ul { min-width: 0; gap: 6px; } }
@media (max-width: 420px) { .main-nav a { font-size: .95rem; } }

/* ==========================================================================
   Hero (final: 16; desktop composition: 04)
   ========================================================================== */
.hero { position: relative; background: var(--espresso-deep); color: #f8efe3; overflow: hidden; isolation: isolate; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; object-position: 55% 30%; }
.hero__content { position: relative; z-index: 2; }
.hero__name {
  display: block; font-size: var(--fs-display); font-weight: 560; line-height: .98; letter-spacing: -.015em;
  background: linear-gradient(180deg, #fbf1e3 0%, #ead3b6 100%); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero__rule { width: 96px; height: 2px; background: #c9a071; border: 0; margin: 24px 0 20px; }
.hero__tagline { display: block; font-size: clamp(2.5rem, 1.7rem + 3.4vw, 4.4rem); font-weight: 650; line-height: 1; letter-spacing: -.02em; color: #fffaf3; margin-top: 0; }
.hero__tagline em { font-style: normal; font-size: 1.14em; background: linear-gradient(180deg, #f2d4a6 0%, #d4a46c 100%); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero h1 { color: inherit; }
.hero__strip {
  list-style: none; display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 4px 0;
  background: #f5ebdd; color: var(--ink); border-radius: 12px; padding: 16px 20px; margin: 30px 0 18px;
  font-family: var(--serif); font-size: clamp(1.05rem, .9rem + .55vw, 1.4rem); box-shadow: 0 8px 22px rgba(0, 0, 0, .18); white-space: nowrap;
}
.hero__strip { flex-wrap: nowrap; font-weight: 520; }
@media (min-width: 960px) { .hero__strip li.hero__strip-break { display: none; } }
.hero__strip li { display: flex; align-items: center; }
.hero__strip li + li::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #c49868; margin-inline: clamp(10px, 1.3vw, 18px); }
.hero__actions { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 14px; }
.hero__call {
  min-height: 70px; white-space: nowrap; border-radius: 12px; font-size: clamp(1.3rem, 1rem + .75vw, 1.6rem); font-weight: 600; letter-spacing: 0;
  background: linear-gradient(110deg, #7a4d30, #4a2e1f 70%); color: #fff7ee; border: 1px solid rgba(214, 173, 128, .7);
}
.hero__call .icon { width: 1.05em; height: 1.05em; }
.hero__call:hover { background: linear-gradient(110deg, #86563a, #553624 70%); }
.hero__consult { min-height: 70px; padding-inline: 18px; white-space: nowrap; border-radius: 12px; color: #f8efe3; border: 1px solid rgba(248, 239, 227, .55); background: rgba(40, 25, 17, .35); font-size: clamp(1.1rem, 1rem + .4vw, 1.35rem); }
.hero__consult:hover { background: rgba(40, 25, 17, .55); }

/* mobile: photo on top, text over the brown fade below it (as in 16) */
@media (max-width: 959px) {
  /* full-bleed photo; text sits over the lower part (blazer), face stays clear */
  .hero { min-height: min(calc(100svh - 56px), 860px); display: flex; align-items: flex-end; }
  /* photo covers the top ~72% (less zoomed than full-bleed) and fades into the brown below */
  .hero__media { position: absolute; top: 0; left: 0; right: 0; height: 72%; }
  .hero__media img { object-position: 30% 0%; }
  .hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(59, 38, 28, 0) 45%, rgba(59, 38, 28, .55) 72%, var(--espresso-deep) 100%); }
  .hero__content { width: 100%; padding: 0 var(--gutter) 24px; }
  .hero__name { font-size: clamp(2.3rem, 1.2rem + 5.4vw, 3.6rem); background: none; color: #fbf3e8; -webkit-background-clip: border-box; background-clip: border-box; text-shadow: 0 2px 14px rgba(30, 18, 12, .35); }
  .hero__rule { width: 64px; height: 1px; background: #e9d6bd; margin: 14px 0 12px; }
  .hero__tagline { font-size: clamp(1.9rem, 1rem + 4.2vw, 3rem); text-shadow: 0 2px 14px rgba(30, 18, 12, .35); }
  .hero__tagline em { font-size: 1.28em; text-shadow: none; }
  /* one line on phones: text is sized from the screen width so all five items always fit */
  .hero__strip { white-space: nowrap; flex-wrap: nowrap; padding: 10px 12px; margin: 18px 0 12px; border-radius: 10px; font-size: min(calc(5.7vw - 6.3px), 1.35rem); justify-content: space-between; line-height: 1.35; background: rgba(247, 238, 225, .94); }
  .hero__strip li + li::before { width: 4px; height: 4px; margin-inline: min(1.4vw, 10px); }
  .hero__strip li.hero__strip-break { display: none; }
  .hero__actions { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 10px; }
  .hero__call, .hero__consult { min-height: 54px; padding-inline: 10px; }
  .hero__call { font-size: min(4.1vw, 1.6rem); gap: .4em; }
  .hero__consult { font-size: clamp(.82rem, .5rem + 1.5vw, 1.15rem); gap: .4em; background: rgba(40, 25, 17, .28); }
}

/* desktop: photo right, text lower-left (04 composition, 16 styling) */
@media (min-width: 960px) {
  .hero { min-height: min(86vh, 780px); display: flex; align-items: flex-end; }
  .hero__media { position: absolute; top: 0; right: 0; bottom: 0; width: 64%; }
  .hero__media img { object-position: 50% 12%; }
  .hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--espresso-deep) 0%, rgba(59, 38, 28, .55) 22%, rgba(59, 38, 28, 0) 45%), linear-gradient(0deg, rgba(59, 38, 28, .55) 0%, rgba(59, 38, 28, 0) 35%); }
  .hero__content { width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; padding-block: 72px 64px; }
  .hero__text { max-width: 600px; }
}

/* ==========================================================================
   Numbers That Matter (01)
   ========================================================================== */
.numbers { background: var(--cream-2); }
.numbers .section-title { text-align: center; }
.stats { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 40px; }
.stat { background: var(--card-2); border: 1px solid #efe4d6; border-radius: var(--radius); padding: 34px 12px 32px; text-align: center; box-shadow: var(--shadow-soft); }
.icon-badge { display: inline-grid; place-items: center; width: 64px; height: 64px; border-radius: 50%; background: var(--taupe); color: #fff; }
.icon-badge .icon { width: 30px; height: 30px; stroke-width: 1.8; }
.stat__value { display: block; font-family: var(--serif); font-size: clamp(2.6rem, 1.9rem + 2.4vw, 4rem); font-weight: 560; color: var(--ink); line-height: 1.05; margin-top: 0; letter-spacing: -.02em; }
.stat__label { display: block; text-transform: uppercase; letter-spacing: .26em; font-size: .85rem; color: var(--ink); margin-top: 6px; }
@media (max-width: 719px) { .stats { grid-template-columns: repeat(2, 1fr); gap: 12px; } }

.sub-block__title { font-size: var(--fs-h3); font-weight: 520; }
.sub-block__title small { font-family: var(--sans); font-size: 1rem; font-weight: 380; letter-spacing: .02em; color: var(--muted); margin-left: .8em; }
.sub-block .eyebrow { margin: 14px 0 24px; }
.sub-block__title + .pill-grid { margin-top: 24px; }

.pill-grid { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
@media (max-width: 859px) { .pill-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; } }
.link-pill {
  display: flex; align-items: center; gap: 14px; min-height: 68px; padding: 10px 22px 10px 12px;
  border-radius: 999px; background: #f3eadf; border: 1px solid #e5d5c4; box-shadow: var(--shadow-soft);
  font-family: var(--serif); font-size: 1.2rem; color: var(--ink); text-decoration: none;
  transition: background-color .2s, box-shadow .2s;
}
a.link-pill:hover { background: #efe3d4; box-shadow: var(--shadow); }
.link-pill .arrow { margin-left: auto; width: 1.1em; height: 1.1em; color: var(--ink); }
.brand-dot { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; color: #fff; flex: none; }
.brand-dot .brand-icon { width: 22px; height: 22px; }
.brand-dot--facebook { background: #1877f2; }
.brand-dot--instagram { background: radial-gradient(circle at 30% 110%, #fdcb52 0%, #fd5949 45%, #d6249f 65%, #285aeb 100%); }
.brand-dot--whatsapp { background: #25d366; }
.brand-dot--telegram { background: #29a9eb; }
.brand-dot--google { background: #fff; box-shadow: inset 0 0 0 1px #eadfd2; color: #4285f4; }

.state-tile {
  display: grid; grid-template-columns: 76px 1px 1fr; align-items: center; gap: 16px; min-height: 96px;
  padding: 12px 18px 12px 14px; border-radius: 10px; background: #f3ebe1; border: 1px solid #e6d9ca; box-shadow: var(--shadow-soft);
  font-family: var(--serif); font-size: 1.3rem; line-height: 1.15; color: var(--ink); text-decoration: none;
}
a.state-tile:hover { background: #efe4d7; }
.state-tile .state-shape { width: 72px; height: 58px; fill: #c3a78c; }
.state-tile .divider { width: 1px; height: 60%; background: #d9c8b6; }
@media (max-width: 859px) {
  .state-tile { grid-template-columns: 54px 1px 1fr; gap: 12px; font-size: 1.12rem; min-height: 84px; }
  .state-tile .state-shape { width: 52px; height: 44px; }
}

.lang-pill { display: flex; align-items: center; justify-content: center; gap: 12px; min-height: 64px; border-radius: 999px; border: 1px solid #dfcfbe; background: rgba(255, 255, 255, .35); font-family: var(--serif); font-size: 1.2rem; color: var(--ink); }

/* ==========================================================================
   Areas of Expertise (02)
   ========================================================================== */
.expertise { background: linear-gradient(170deg, #efe8df 0%, #e8dfd4 100%); }
.expertise__title { font-size: clamp(2.6rem, 1.8rem + 3vw, 4.4rem); font-weight: 450; }
.expertise .eyebrow { line-height: 1.9; max-width: 36em; }
.expertise__list { list-style: none; display: grid; gap: 12px; margin-top: 30px; }
.expertise__row {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 15px 28px; border-radius: var(--radius-s);
  background: rgba(247, 242, 236, .85); border: 1px solid rgba(255, 255, 255, .7);
  box-shadow: 0 1px 0 rgba(255, 255, 255, .6) inset, 0 2px 6px rgba(88, 64, 45, .08);
  font-family: var(--serif); font-size: clamp(1.3rem, 1.1rem + .7vw, 1.75rem); color: var(--ink); text-decoration: none;
  transition: background-color .2s, box-shadow .2s;
}
.expertise__row .icon { width: 1em; height: 1em; color: var(--camel); opacity: .55; transition: opacity .2s, transform .2s; }
.expertise__row:hover { background: #faf6f1; box-shadow: 0 4px 14px rgba(88, 64, 45, .12); }
.expertise__row:hover .icon { opacity: 1; transform: translateX(3px); }

.consult-panel {
  margin-top: 36px; padding: clamp(28px, 4vw, 44px) clamp(24px, 4vw, 48px);
  background: rgba(218, 203, 187, .72); border: 1px solid rgba(255, 255, 255, .55); border-radius: var(--radius-l);
}
.consult-panel h3 { font-size: clamp(1.8rem, 1.4rem + 1.6vw, 2.8rem); font-weight: 450; }
.consult-panel p { font-family: var(--serif); font-size: clamp(1.3rem, 1.1rem + .9vw, 1.95rem); line-height: 1.35; color: var(--ink); margin: 14px 0 0; }

/* ==========================================================================
   Domestic & International (03)
   ========================================================================== */
.band { background: var(--cream-3); padding-block: clamp(40px, 5vw, 64px); }
.feature-card { display: grid; grid-template-columns: auto 1fr; gap: clamp(20px, 4vw, 64px); align-items: center; padding: clamp(24px, 4vw, 44px) clamp(20px, 4vw, 52px); background: #f2ebe3; border: 1px solid #e0d3c5; border-radius: 12px; }
.feature-card__icon { display: grid; place-items: center; width: clamp(72px, 9vw, 96px); aspect-ratio: 1; border-radius: 50%; background: #dccfc2; color: #3e2c20; }
.feature-card__icon .icon { width: 56%; height: 56%; stroke-width: 1.4; }
.feature-card h2 { font-size: clamp(1.8rem, 1.3rem + 2vw, 3rem); font-weight: 450; }
.feature-card p { font-size: clamp(1.05rem, .95rem + .45vw, 1.35rem); color: var(--muted); margin: 12px 0 0; }
@media (max-width: 559px) { .feature-card { grid-template-columns: 1fr; } }

/* ==========================================================================
   Insurance Carriers (04)
   ========================================================================== */
.carriers__head { display: flex; align-items: center; gap: 28px; }
.carriers__head::after { content: ""; flex: 1; height: 1px; background: #6f6158; opacity: .6; }
.carriers__head h2 { font-size: clamp(2.2rem, 1.7rem + 2vw, 3.4rem); font-weight: 450; white-space: nowrap; }
.chips { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 32px; }
.chips li { background: var(--chip); border-radius: 10px; padding: 12px 22px; font-family: var(--serif); font-size: 1.12rem; color: var(--ink); }
.carriers__note { text-align: center; color: var(--muted); font-size: .98rem; margin: 26px auto 0; max-width: 46em; }
@media (max-width: 559px) { .chips li { padding: 9px 14px; font-size: 1rem; } }

/* ==========================================================================
   How It Works (05)
   ========================================================================== */
.process { background: #f9f4ec; }
.process__card { max-width: 980px; margin-inline: auto; border: 1px solid #e6d8c8; border-radius: var(--radius-l); background: #fbf7f1; padding: clamp(32px, 5vw, 64px) clamp(18px, 5vw, 64px); box-shadow: var(--shadow-soft); }
.process__card h2 { text-align: center; font-size: clamp(2rem, 1.5rem + 2.1vw, 3.3rem); font-weight: 520; }
.process__free { text-align: center; margin: 14px 0 0; }
.steps-row { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); max-width: 720px; margin: 0 auto; padding: 0; }
.step-simple { position: relative; display: flex; flex-direction: column; align-items: center; gap: 16px; text-align: center; }
.step-simple + .step-simple::before { content: ""; position: absolute; top: 44px; left: calc(-50% + 56px); width: calc(100% - 112px); height: 1px; background: #b99c80; }
.step-simple__num { display: grid; place-items: center; width: 88px; height: 88px; border-radius: 50%; background: var(--step); border: 1px solid #d9c2a6; font-family: var(--serif); font-size: 2.3rem; color: var(--ink); }
.step-simple h3 { font-size: clamp(1.4rem, 1.2rem + .9vw, 2rem); font-weight: 450; }
@media (max-width: 559px) {
  .step-simple__num { width: 64px; height: 64px; font-size: 1.7rem; }
  .step-simple + .step-simple::before { top: 32px; left: calc(-50% + 42px); width: calc(100% - 84px); }
}
.life-stages { list-style: none; display: grid; gap: 18px; margin-top: 32px; }
.life-stage { display: flex; align-items: center; gap: 18px; padding: 22px 28px; background: #f3ebe0; border-radius: var(--radius); font-family: var(--serif); font-size: clamp(1.35rem, 1.1rem + 1.1vw, 2.1rem); color: var(--ink); text-decoration: none; transition: background-color .2s; }
.life-stage:hover { background: #efe4d6; }
.life-stage .arrow { margin-left: auto; width: .9em; height: .9em; color: var(--camel); }

/* ==========================================================================
   Reviews (06)
   ========================================================================== */
.reviews { background: #faf6ee; }
.review-grid { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }
@media (max-width: 959px) { .review-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 639px) { .review-grid { grid-template-columns: 1fr; } }
.review { display: flex; flex-direction: column; background: #fcf9f3; border: 1px solid #ebe0d4; border-radius: var(--radius); padding: 26px 26px 22px; box-shadow: var(--shadow-soft); }
.review__head { display: flex; align-items: center; gap: 18px; }
.review__avatar { display: grid; place-items: center; width: 72px; height: 72px; border-radius: 50%; background: #cdb59b; color: #fff; font-family: var(--serif); font-size: 2.2rem; flex: none; overflow: hidden; }
.review__name { font-family: var(--serif); font-size: 1.3rem; color: var(--ink); margin: 0; }
.stars { display: flex; gap: 3px; color: #b98a45; margin-top: 6px; }
.stars svg { width: 20px; height: 20px; fill: currentColor; stroke: none; }
.review blockquote { margin: 18px 0 0; font-family: var(--serif); font-size: 1.14rem; line-height: 1.5; color: var(--text); flex: 1; }
.review::after { content: ""; display: block; width: 70px; height: 2px; background: #c9ae93; margin: 20px auto 0; }
.review--placeholder { opacity: .9; }
.review--placeholder .stars { color: #d8cabb; }
.reviews__source { text-align: center; margin-top: 34px; }
.reviews__widget { margin-top: 40px; min-height: 200px; }
/* Jotform widget header (their class names; re-check if Jotform changes its markup) */
.reviews__widget .jf-reviews-header-card { justify-content: flex-start; }
.reviews__widget .jf-reviews-title-group { align-items: flex-start; flex: 1 1 auto; min-width: 0; }
.reviews__widget .jf-reviews-logo-row { justify-content: flex-start; }
.reviews__widget .jf-google-reviews-image { width: clamp(40px, 8vw, 48px); height: clamp(40px, 8vw, 48px); }
.reviews__widget .jf-reviews-header-title { font-size: clamp(1.3rem, 1rem + 1.2vw, 1.65rem); white-space: nowrap; }
.reviews__widget .jf-reviews-score { font-size: 1.4rem; }
.reviews__widget .jf-google-reviews-icon { width: 22px; height: 22px; }
.reviews__widget .jf-reviews-count { font-size: 1.1rem; }

/* ==========================================================================
   About + Why Maryam (07)
   ========================================================================== */
.about { background: linear-gradient(90deg, #f4efe7 0%, #faf7f2 50%); overflow: hidden; }
.about__layout { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); grid-template-areas: "photo head" "photo text"; grid-template-rows: auto 1fr; column-gap: clamp(28px, 5vw, 72px); align-items: stretch; }
.about__head { grid-area: head; }
.about__photo { grid-area: photo; }
.about__text { grid-area: text; }
/* photo column stretches to the full height of the text column; the full-length photo fills it */
.about__photo { position: relative; border-radius: 4px; overflow: hidden; min-height: 100%; }
.about__photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 0; }
.about h1, .about h2 { font-size: clamp(2.6rem, 1.8rem + 3vw, 4.3rem); font-weight: 500; color: var(--mocha-text); }
.about .gold-rule { background: #d5b99d; width: 96px; height: 1px; }
.about__text p { font-size: clamp(1.05rem, .98rem + .35vw, 1.28rem); line-height: 1.6; }
.about__divider { height: 1px; background: #ddc7b1; border: 0; margin: clamp(28px, 4vw, 44px) 0; }
.why-list { list-style: none; display: grid; gap: 14px; margin-top: 28px; }
.why-list li { position: relative; padding-left: 26px; font-size: clamp(1.02rem, .96rem + .3vw, 1.2rem); line-height: 1.5; }
.why-list li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 7px; height: 7px; border-radius: 50%; background: var(--ink); }
@media (max-width: 859px) {
  .about__layout { grid-template-columns: 1fr; grid-template-areas: "head" "photo" "text"; grid-template-rows: auto; row-gap: 0; }
  .about__photo { margin-bottom: 32px; min-height: 0; }
  .about__photo { max-width: 420px; margin-inline: auto; width: 100%; }
  .about__photo img { position: static; height: auto; aspect-ratio: 754 / 1024; object-position: 50% 0; }
}

/* ==========================================================================
   Blog (08)
   ========================================================================== */
.blog-head { display: flex; align-items: center; justify-content: center; gap: clamp(18px, 4vw, 56px); }
.blog-head::before, .blog-head::after { content: ""; height: 1px; flex: 0 1 170px; background: #cdbcab; }
.blog-head h2, .blog-head h1 { font-size: clamp(3rem, 2rem + 4vw, 5.4rem); font-weight: 450; color: var(--mocha-text); }
.post-grid { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: clamp(36px, 5vw, 64px); }
@media (max-width: 959px) { .post-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 639px) { .post-grid { grid-template-columns: 1fr; } }
.post-card { display: flex; flex-direction: column; height: 100%; background: #fffdf9; border: 1px solid #efe6dc; border-radius: var(--radius); padding: 18px 18px 26px; box-shadow: var(--shadow-soft); }
.post-card__img img { width: 100%; aspect-ratio: 41 / 30; object-fit: cover; border-radius: 6px; }
.post-card h3 { font-size: clamp(1.6rem, 1.35rem + .9vw, 2.05rem); font-weight: 450; color: var(--mocha-text); margin: 20px 6px 0; line-height: 1.15; }
.post-card h3 a { text-decoration: none; }
.post-card h3 a::after { content: ""; position: absolute; inset: 0; }
.post-card { position: relative; }
.post-card p { margin: 14px 6px 22px; color: var(--muted); flex: 1; }
.post-card .text-link { margin-left: 6px; align-self: flex-start; font-size: 1.1rem; }
.blog__more { text-align: center; margin-top: 44px; }

/* ==========================================================================
   Awards (09 / long-mockup carousel)
   ========================================================================== */
.awards { background: linear-gradient(180deg, #f3ebe0, #efe5d8); }
.awards .eyebrow { text-align: center; margin-top: 16px; }
.award-grid { list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; margin-top: 40px; }
.award { background: #fbf7f1; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-soft); }
.award__body { padding: 16px 20px 20px; font-family: var(--serif); font-size: 1.15rem; color: var(--ink); }
.award__body span { display: block; font-family: var(--sans); font-size: .9rem; color: var(--muted); }
.award-placeholder { margin-top: 40px; padding: 48px 24px; text-align: center; border-radius: var(--radius); background: rgba(255, 255, 255, .4); color: var(--muted); }

/* ==========================================================================
   Contact (brief §13 — built in the same card language)
   ========================================================================== */
.contact { background: #f4ede4; }

.actions-grid { list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; max-width: 980px; margin: 36px auto 0; }
@media (max-width: 719px) { .actions-grid { grid-template-columns: 1fr; max-width: 420px; } }
.action-tile { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; height: 100%; padding: 22px; border-radius: var(--radius); background: var(--card); border: 1px solid var(--line); box-shadow: var(--shadow-soft); text-decoration: none; color: var(--ink); transition: box-shadow .2s, background-color .2s; }
.action-tile:hover { box-shadow: var(--shadow); background: #fdfaf5; }
.action-tile .icon-badge { width: 52px; height: 52px; }
.action-tile .icon-badge .icon { width: 24px; height: 24px; }
.action-tile strong { font-family: var(--serif); font-weight: 500; font-size: 1.45rem; }
.action-tile span { color: var(--muted); font-size: .98rem; overflow-wrap: anywhere; }
/* Contact tiles: Call / Text / Email colours chosen by Maryam (2026-09-28) */
.action-tile--call { background: #ebddd0; }
.action-tile--text { background: #cbb7a7; }
.action-tile--email { background: #b6a294; }
:is(.action-tile--call, .action-tile--text, .action-tile--email) { border-color: rgba(90, 60, 40, .12); }
:is(.action-tile--call, .action-tile--text, .action-tile--email) span { color: #4a3527; }
:is(.action-tile--call, .action-tile--text, .action-tile--email) .icon-badge { background: #8a6548; color: #fff8ee; }
:is(.action-tile--call, .action-tile--text, .action-tile--email):hover { filter: brightness(.97); }
.action-tile--call:hover { background: #ebddd0; }
.action-tile--text:hover { background: #cbb7a7; }
.action-tile--email:hover { background: #b6a294; }

/* ==========================================================================
   Business Hours (10)
   ========================================================================== */
.hours-bar { display: grid; grid-template-columns: auto auto 1px auto 1px auto; align-items: center; justify-content: space-between; gap: clamp(14px, 2vw, 36px); padding: 22px clamp(20px, 3vw, 44px); background: #f9f4ee; border: 1px solid #ebe0d4; border-radius: var(--radius); box-shadow: 0 10px 26px rgba(88, 64, 45, .08); }
.hours-bar__icon { display: grid; place-items: center; width: 92px; height: 92px; border-radius: 50%; background: radial-gradient(circle at 35% 30%, #cfb192, #8f6d4f 75%); color: #fff; box-shadow: 0 6px 14px rgba(88, 64, 45, .25); }
.hours-bar__icon .icon { width: 46px; height: 46px; stroke-width: 1.6; }
.hours-bar h2 { font-size: clamp(1.9rem, 1.5rem + 1.6vw, 2.8rem); font-weight: 450; white-space: nowrap; }
.hours-bar__sep { width: 1px; align-self: stretch; background: #d4bfa9; margin-block: 8px; }
.hours-bar p { margin: 0; white-space: nowrap; font-size: clamp(1rem, .9rem + .3vw, 1.2rem); color: var(--ink); }
@media (max-width: 1099px) {
  .hours-bar { grid-template-columns: auto 1fr; justify-content: start; row-gap: 10px; }
  .hours-bar__icon { width: 72px; height: 72px; grid-row: span 3; }
  .hours-bar__icon .icon { width: 36px; height: 36px; }
  .hours-bar__sep { display: none; }
}

/* ==========================================================================
   Independent Broker (11 / long mockup)
   ========================================================================== */
.broker-card { position: relative; display: grid; grid-template-columns: 1fr minmax(260px, .8fr); gap: 24px; align-items: center; padding: clamp(28px, 4vw, 48px); background: #faf6f0; border: 1px solid #ece2d6; border-radius: var(--radius); overflow: hidden; }
.broker-list { list-style: none; border-left: 1px solid #b8a08a; padding-left: clamp(20px, 3vw, 48px); display: grid; gap: 22px; }
.broker-list li { display: flex; align-items: center; gap: 22px; font-family: var(--serif); font-size: clamp(1.2rem, 1rem + .9vw, 1.75rem); color: var(--ink); line-height: 1.25; }
.broker-list li:first-child { font-size: clamp(1.5rem, 1.2rem + 1.3vw, 2.3rem); }
.broker-list .icon { width: 38px; height: 38px; color: #4a352a; stroke-width: 1.4; }
.us-map { width: 100%; height: auto; }
.us-map path { fill: #ebe2d7; stroke: #f8f3ec; stroke-width: 1.2; }
.us-map path.is-on { fill: #cbb29a; }
.us-map text { fill: #fff; font: 600 24px var(--sans); text-anchor: middle; dominant-baseline: middle; }
@media (max-width: 859px) { .broker-card { grid-template-columns: 1fr; } .broker-card .us-map { max-width: 420px; margin-inline: auto; } }

/* ==========================================================================
   Medicare Disclaimer (14)
   ========================================================================== */
.disclaimer-card { background: linear-gradient(160deg, #fdf8f0 0%, #f8eee1 100%); border: 1px solid #e8d4bc; border-radius: 22px; padding: clamp(24px, 4vw, 44px); box-shadow: var(--shadow-soft); }
.disclaimer-card__title { font-family: var(--sans); font-weight: 600; font-size: clamp(1.5rem, 1.3rem + .9vw, 2.1rem); letter-spacing: 0; color: #3d2a1e; padding-bottom: 14px; border-bottom: 2px solid #e6cfb2; max-width: 20em; }
.disclaimer-card p { font-size: clamp(1.02rem, .96rem + .35vw, 1.25rem); color: #3d2a1e; margin: 18px 0 0; }
.disclaimer-card a { color: #8a5a36; }

/* ==========================================================================
   Contact pill (17) + floating call button (13 / 17)
   ========================================================================== */
.contact-pill {
  display: flex; align-items: center; justify-content: center; gap: clamp(14px, 3vw, 30px); max-width: 900px; margin-inline: auto;
  padding: 14px; border-radius: 999px; text-decoration: none;
  background: linear-gradient(100deg, #5a3b28 0%, #86613f 60%, #a88259 100%); color: #fff7ec;
  border: 2px solid #e2c49c; box-shadow: 0 16px 34px rgba(71, 44, 29, .28); transition: transform .2s, box-shadow .2s;
}
.contact-pill:hover { transform: translateY(-2px); box-shadow: 0 20px 40px rgba(71, 44, 29, .33); }
.contact-pill__icon { display: grid; place-items: center; width: clamp(64px, 10vw, 104px); aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle at 35% 30%, #d7b894, #8e6a4c 80%); border: 2px solid #ecd6b8; flex: none; }
.contact-pill__icon .icon { width: 46%; height: 46%; color: #fff; }
.contact-pill__rule { width: 1px; align-self: stretch; margin-block: 12px; background: rgba(255, 240, 220, .55); }
.contact-pill__text { font-family: var(--serif); line-height: 1.05; }
.contact-pill__text small { display: block; font-size: clamp(1.2rem, 1rem + 1vw, 2rem); }
.contact-pill__text span { display: block; font-size: clamp(1.7rem, 1.2rem + 2.5vw, 3.4rem); font-weight: 520; white-space: nowrap; }

.float-call { position: fixed; right: 16px; bottom: 16px; z-index: 60; display: none; place-items: center; width: 62px; height: 62px; border-radius: 50%; background: radial-gradient(circle at 35% 30%, #c89a6a, #936238 80%); color: #fff; box-shadow: 0 10px 24px rgba(71, 44, 29, .35); }
.float-call .icon { width: 28px; height: 28px; }
@media (max-width: 859px) { .float-call { display: grid; } }

/* ==========================================================================
   Footer (15)
   ========================================================================== */
.site-footer { background: linear-gradient(100deg, var(--footer-a) 0%, var(--footer-b) 100%); color: #fffaf4; padding-block: clamp(48px, 6vw, 72px) 28px; margin-top: 0; }
.site-footer a { color: #fffaf4; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.3fr 1.1fr; gap: 32px; }
@media (max-width: 959px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 559px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand strong { display: block; font-family: var(--serif); font-weight: 500; font-size: 1.9rem; color: #fff8ee; }
.footer-brand span { display: block; text-transform: uppercase; letter-spacing: .22em; font-size: .78rem; margin-top: 6px; color: #fbefe0; }
.footer-brand p { margin-top: 16px; color: #fbefe0; font-size: .95rem; }
.site-footer h2 { font-family: var(--sans); font-size: .8rem; font-weight: 500; letter-spacing: .24em; text-transform: uppercase; color: #fbefe0; margin-bottom: 14px; }
.site-footer ul { list-style: none; display: grid; gap: 8px; font-size: .98rem; }
.footer-legal { margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(251, 241, 228, .28); font-size: .88rem; color: #fbefe0; }
.footer-legal nav ul { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-bottom: 14px; font-size: .95rem; }
.footer-legal p { margin: 0 0 8px; max-width: 70em; }
@media (max-width: 859px) { .site-footer { padding-bottom: 96px; } }

/* ==========================================================================
   Service pages (03_Service_Pages_Final)
   ========================================================================== */
.svc-hero { position: relative; background: linear-gradient(180deg, #f7f1e9 0%, #f3ebe1 100%); overflow: hidden; isolation: isolate; }
.svc-hero__media img { width: 100%; height: 100%; object-fit: cover; }
.svc-hero__content { position: relative; z-index: 2; }
.svc-hero__content > * + * { margin-top: 22px; }

.title-box { display: inline-block; background: linear-gradient(160deg, #86604a, #6f4d38); color: #fbf1e4; padding: clamp(22px, 3vw, 34px) clamp(24px, 3.5vw, 44px) clamp(20px, 2.6vw, 30px); outline: 1px solid #a88568; outline-offset: 6px; margin: 6px; box-shadow: 0 12px 30px rgba(64, 40, 26, .18); }
.title-box h1 { color: #fff8ee; }
.title-box__l1 { display: block; font-size: clamp(2.6rem, 1.7rem + 3.6vw, 4.6rem); font-weight: 600; line-height: 1; letter-spacing: -.01em; }
.title-box__l2 { display: block; font-size: clamp(1.25rem, 1rem + 1vw, 2rem); text-transform: uppercase; letter-spacing: .14em; font-weight: 500; margin-top: 10px; }
.svc-hero--medicare .title-box__l2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.4rem); }
.title-box__eyebrow { display: block; font-family: var(--sans); font-size: .82rem; letter-spacing: .3em; text-transform: uppercase; color: #efdcc4; margin-top: 16px; line-height: 1.7; }
.title-box__eyebrow::after { content: ""; display: block; width: 80%; height: 1px; background: rgba(255, 240, 220, .45); margin-top: 14px; }

.svc-title { font-size: clamp(3.2rem, 2rem + 5.2vw, 6.2rem); font-weight: 700; line-height: .95; letter-spacing: -.025em; color: #3b2417; }
.svc-title span { display: block; }
.svc-title-rule { width: 130px; height: 2px; background: #6e4a33; border: 0; }
.svc-sub { font-family: var(--sans); font-size: clamp(1.2rem, 1rem + .8vw, 1.7rem); font-weight: 350; color: var(--ink); line-height: 1.3; }
.svc-lead { font-family: var(--serif); font-size: clamp(1.45rem, 1.2rem + 1vw, 2.05rem); line-height: 1.22; color: var(--ink); font-weight: 450; }
.svc-lead-body { font-size: clamp(1.02rem, .95rem + .35vw, 1.22rem); color: var(--text); }

.checks { list-style: none; display: grid; gap: 0; }
.check { display: grid; grid-template-columns: 60px 1fr; gap: 18px; align-items: start; padding-block: 16px; }
.checks--ruled .check + .check { border-top: 1px solid #dcc9b5; }
.check__mark { display: grid; place-items: center; width: 58px; height: 58px; border-radius: 50%; background: var(--check); color: #fff; }
.check__mark .icon { width: 30px; height: 30px; stroke-width: 2.6; }
.checks--outline .check__mark { background: none; color: #6e4a33; justify-content: start; }
.checks--outline .check__mark .icon { width: 44px; height: 44px; stroke-width: 2.4; }
.check h3, .check h2 { font-size: clamp(1.35rem, 1.15rem + .8vw, 1.85rem); font-weight: 650; color: #2f1d13; letter-spacing: -.015em; line-height: 1.15; }
.check p { margin: 6px 0 0; font-size: clamp(1rem, .95rem + .25vw, 1.15rem); color: var(--text); line-height: 1.5; }
.checks--grid { grid-template-columns: repeat(2, 1fr); gap: 8px 40px; }
@media (max-width: 639px) { .checks--grid { grid-template-columns: 1fr; } }
.check-group + .check-group { margin-top: 18px; padding-top: 18px; border-top: 1px solid #cfb79f; }
.check-group__label { font-family: var(--sans); font-size: .95rem; letter-spacing: .24em; text-transform: uppercase; color: #6e4a33; font-weight: 600; margin: 0 0 4px; }

/* hero layouts */
@media (min-width: 960px) {
  .svc-hero--box, .svc-hero--large { min-height: 720px; }
  .svc-hero--box .svc-hero__media, .svc-hero--large .svc-hero__media { position: absolute; top: 0; right: 0; bottom: 0; width: 50%; }
  .svc-hero--box .svc-hero__media::after, .svc-hero--large .svc-hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, #f5eee5 0%, rgba(245, 238, 229, .6) 18%, rgba(245, 238, 229, 0) 42%); }
  .svc-hero--box .svc-hero__content, .svc-hero--large .svc-hero__content { width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; padding-block: 64px 72px; }
  .svc-hero__col { max-width: 560px; }
  .svc-hero__col > * + * { margin-top: 24px; }
}
@media (max-width: 959px) {
  .svc-hero--box .svc-hero__media, .svc-hero--large .svc-hero__media { position: relative; aspect-ratio: 4 / 3.4; }
  .svc-hero--box .svc-hero__media::after, .svc-hero--large .svc-hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(245, 238, 229, 0) 55%, #f4ece2 100%); }
  .svc-hero--box .svc-hero__content, .svc-hero--large .svc-hero__content { padding: 0 var(--gutter) 48px; margin-top: -48px; }
  .svc-hero__col > * + * { margin-top: 20px; }
}

.svc-hero--centered, .svc-hero--plain { text-align: center; }
.svc-hero--centered .svc-hero__content, .svc-hero--plain .svc-hero__content { padding-block: clamp(44px, 6vw, 72px) 0; }
.svc-hero--centered .svc-title, .svc-hero--plain .svc-title { font-size: clamp(2.9rem, 1.9rem + 4.4vw, 5.6rem); color: #5a3421; }
.svc-hero--centered .svc-lead, .svc-hero--plain .svc-lead { font-weight: 400; max-width: 36em; margin-inline: auto; font-size: clamp(1.15rem, 1rem + .6vw, 1.5rem); }
.svc-hero--centered .svc-lead-body, .svc-hero--plain .svc-lead-body { max-width: 44em; margin-inline: auto; }
.svc-hero--centered .svc-hero__media { margin-top: 36px; aspect-ratio: 1122 / 540; max-height: 560px; width: 100%; }
.svc-hero__below { padding-block: 36px clamp(48px, 6vw, 72px); text-align: left; }
.svc-hero__below .checks { max-width: 1000px; margin-inline: auto; }
.svc-hero__below .cta-center { text-align: center; margin-top: 30px; }

/* Quick facts (Marketplace, Medicare) */
.facts { padding-block: clamp(40px, 5vw, 64px) clamp(56px, 7vw, 88px); background: #f4ece2; }
.facts__head { display: flex; align-items: center; justify-content: center; gap: 28px; margin-bottom: 26px; }
.facts__head::before, .facts__head::after { content: ""; height: 1px; flex: 0 1 180px; background: #6e4a33; opacity: .6; }
.facts__head h2 { font-size: clamp(1.8rem, 1.4rem + 1.5vw, 2.6rem); font-weight: 450; letter-spacing: .3em; text-transform: uppercase; }
.fact-rows { list-style: none; }
.fact-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: 16px 40px; align-items: center; padding-block: 20px; border-bottom: 1px solid #ddcab6; }
.fact-row:last-child { border-bottom: 0; }
.fact-row .check { padding: 0; align-items: center; }
.fact-row > p { margin: 0; color: var(--text); }
@media (max-width: 719px) { .fact-row { grid-template-columns: 1fr; } .fact-row > p { padding-left: 78px; } }
.facts--cols .fact-rows { display: grid; grid-template-columns: 1fr 1fr; column-gap: 48px; }
.facts--cols .fact-row { grid-template-columns: 1fr; border-bottom: 1px solid #ddcab6; }
.facts--cols .fact-row:nth-last-child(-n + 2) { border-bottom: 0; }
@media (max-width: 719px) { .facts--cols .fact-rows { grid-template-columns: 1fr; } .facts--cols .fact-row:nth-last-child(2) { border-bottom: 1px solid #ddcab6; } }
.facts .cta-center { text-align: center; margin-top: 36px; }

.note { font-size: .95rem; color: var(--muted); margin-top: 18px; }

.split { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(28px, 5vw, 64px); align-items: center; }
.split__img img { width: 100%; border-radius: var(--radius); object-fit: cover; max-height: 760px; }
@media (max-width: 859px) { .split { grid-template-columns: 1fr; } .split__img { max-width: 420px; margin-inline: auto; } .split__img { width: 100%; } .split__img img { aspect-ratio: 385 / 760; max-height: 760px; object-position: 50% 50%; } }


.cta-band { text-align: center; }
.cta-band h2 { font-size: clamp(2rem, 1.5rem + 2vw, 3.2rem); }
.cta-band p { max-width: 36em; margin: 14px auto 0; font-size: 1.15rem; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 28px; }
.svc-disclosure { text-align: center; font-size: .92rem; line-height: 1.5; color: var(--muted); padding-top: 28px; max-width: 46em; }
.svc-disclosure + .cta-band { padding-top: clamp(28px, 4vw, 48px); }

/* ==========================================================================
   Generic page header, legal pages (12, 13, 14), blog posts
   ========================================================================== */
.page-head { padding-block: clamp(48px, 7vw, 88px) 12px; text-align: center; }
.page-head h1 { font-size: var(--fs-h1); font-weight: 450; color: var(--mocha-text); }
.page-head p { max-width: 40em; margin: 16px auto 0; font-size: 1.15rem; }

.legal-wrap { background: #efe9e1; padding-block: clamp(32px, 6vw, 80px); }
.legal-card { max-width: 820px; margin-inline: auto; background: #fff; border-radius: 28px; padding: clamp(28px, 6vw, 72px) clamp(22px, 6vw, 80px); box-shadow: 0 20px 50px rgba(60, 45, 35, .12); }
.legal-card h1 { font-size: clamp(2.4rem, 1.8rem + 2.4vw, 3.6rem); font-weight: 450; color: #8a5a3c; }
.legal-card .updated { font-weight: 600; color: #4a4038; margin: 26px 0 26px; }
.legal-card h2 { font-family: var(--sans); font-size: 1.15rem; font-weight: 600; color: #3f3630; letter-spacing: 0; margin: 30px 0 8px; }
.legal-card p, .legal-card li { font-size: 1.08rem; line-height: 1.85; color: #4d443d; }
.legal-card ul { padding-left: 1.2em; }
.legal-card a { color: #8a5a3c; }
.draft-note { background: #fbf1e3; border: 1px dashed #c0843f; border-radius: 10px; padding: 12px 16px; font-size: .92rem; color: #7a5130; margin-bottom: 24px; }

.post-hero { padding-block: clamp(40px, 6vw, 72px) 0; }
.post-hero h1 { font-size: clamp(2.3rem, 1.7rem + 2.6vw, 3.8rem); font-weight: 450; color: var(--mocha-text); }
.post-meta { color: var(--muted); font-size: .95rem; margin-top: 14px; }
.post-hero__img { margin-top: 32px; }
.post-hero__img img { width: 100%; border-radius: var(--radius); aspect-ratio: 41 / 24; object-fit: cover; }
.post-body { padding-block: 40px 72px; }
.post-body h2 { font-size: clamp(1.7rem, 1.4rem + 1vw, 2.2rem); margin: 40px 0 12px; }
.post-body p, .post-body li { font-size: 1.15rem; line-height: 1.75; }
.post-body ul, .post-body ol { padding-left: 1.3em; margin: 0 0 1em; display: grid; gap: 6px; }
.post-note { margin-top: 36px; padding: 18px 20px; border-radius: var(--radius); background: #f6efe6; color: var(--muted); font-size: .98rem; }
.back-link { display: inline-flex; margin-bottom: 18px; }

/* small section utilities */
.section--tight { padding-block: clamp(32px, 5vw, 56px); }
.section--flush-top { padding-top: 0; }
.broker-list__title { font: inherit; color: inherit; letter-spacing: inherit; }
.nowrap { white-space: nowrap; }
@media (max-width: 1099px) { .hours-bar p { white-space: normal; } }

/* mobile overflow guards */
.main-nav { min-width: 0; }
@media (max-width: 859px) {
  .pill-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .link-pill { gap: 10px; padding: 8px 14px 8px 8px; min-height: 58px; font-size: 1.05rem; }
  .brand-dot { width: 38px; height: 38px; }
  .brand-dot .brand-icon { width: 19px; height: 19px; }
  .lang-pill { min-height: 54px; font-size: 1.08rem; }
}
@media (max-width: 719px) { .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 420px) {
  .state-tile { grid-template-columns: 40px 1px minmax(0, 1fr); gap: 9px; padding: 10px 10px 10px 8px; font-size: 1rem; }
  .state-tile .state-shape { width: 40px; height: 34px; }
  .stat__label { letter-spacing: .16em; font-size: .75rem; }
}

/* small-screen refinements */
@media (max-width: 559px) {
  .br-desk { display: none; }
  .eyebrow { letter-spacing: .2em; }
  .eyebrow--ruled { flex-wrap: wrap; gap: .4em; }
  .eyebrow--ruled::before, .eyebrow--ruled::after { display: none; }
  .contact-pill__text span { font-size: clamp(1.2rem, .55rem + 3.4vw, 1.5rem); }
  .contact-pill__text small { font-size: 1rem; }
}

.svc-title-rule { margin-inline: 0; }
@media (min-width: 960px) { .svc-hero--large .svc-hero__media img { object-position: 30% 30%; } }

/* Carriers carousel — continuous CSS scroll (never pauses; static for reduced-motion users) */
.marquee { overflow: hidden; margin-top: 32px; padding-block: 4px;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%);
          mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%); }
.marquee__track { display: flex; width: max-content; animation: marquee 60s linear infinite; }
.chips--marquee { flex-wrap: nowrap; justify-content: flex-start; margin: 0; padding-right: 12px; }
.chips--marquee li { white-space: nowrap; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (max-width: 719px) { .marquee__track { animation-duration: 45s; } }
@media (prefers-reduced-motion: reduce) {
  .marquee { -webkit-mask-image: none; mask-image: none; }
  .marquee__track { animation: none; width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; }
  .chips--marquee { flex-wrap: wrap; justify-content: center; padding-right: 0; }
  .chips--marquee[aria-hidden="true"] { display: none; }
}

@media (max-width: 559px) {
  .btn--pill { letter-spacing: .1em; font-size: .95rem; padding: 14px 24px; max-width: 100%; text-align: center; line-height: 1.35; }
}

/* On pages with the photo hero, the floating call button appears only after scrolling past
   the hero's own call button (browsers without scroll timelines just always show it). */
@keyframes float-call-in { from { opacity: 0; visibility: hidden; transform: scale(.8); } to { opacity: 1; visibility: visible; transform: none; } }
@supports (animation-timeline: scroll()) {
  body:has(.hero) .float-call { animation: float-call-in linear both; animation-timeline: scroll(root); animation-range: 55vh 75vh; }
}

/* ── Marketplace (approved full-page design): small-caps title box, wider photo,
      photo kept beside the text on phones, regular-weight fact titles ── */
.title-box--caps .title-box__l1 { font-variant: small-caps; font-weight: 500; letter-spacing: .02em; }
.title-box--caps .title-box__l2 { font-weight: 400; letter-spacing: .08em; }
.title-box__rule { display: block; width: 86%; height: 1px; background: rgba(255, 240, 220, .5); margin-top: 14px; }
.svc-hero--overlay ~ .facts .check h3 { font-weight: 420; letter-spacing: 0; }
@media (min-width: 960px) {
  /* as in the design: photo fills the right ~57%, and the title box overlaps its left edge */
  .svc-hero--overlay.svc-hero--box { min-height: 660px; }
  /* photo keeps its natural proportions (no extra zoom); height follows the hero */
  .svc-hero--overlay .svc-hero__media { left: auto; width: max(43%, calc(660px * 432 / 655)); aspect-ratio: auto;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 12%), linear-gradient(0deg, transparent 0%, #000 14%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, #000 12%), linear-gradient(0deg, transparent 0%, #000 14%); mask-composite: intersect; }
  .svc-hero--overlay .svc-hero__media img { object-position: 50% 22%; }
  .svc-hero--overlay .svc-hero__media::after { display: none; }
  .svc-hero--overlay .svc-hero__content { padding-block: 44px 64px; }
  .svc-hero--overlay .svc-hero__col { max-width: none; }
  .svc-hero--overlay .title-box { padding: 40px 38px 34px; margin-top: 0; }
  .svc-hero--overlay .title-box__l1 { font-size: clamp(4.4rem, 1.2rem + 5.2vw, 6rem); line-height: .95; }
  .svc-hero--overlay .title-box__l2 { font-size: clamp(1.9rem, .8rem + 1.7vw, 2.5rem); letter-spacing: .05em; margin-top: 12px; }
  .svc-hero--overlay .title-box__rule { margin-top: 20px; }
  .svc-hero--overlay .svc-lead { font-size: clamp(1.6rem, 1rem + 1vw, 2rem); }
  .svc-hero--overlay .svc-lead, .svc-hero--overlay .svc-lead-body { max-width: min(42%, 440px); }
}
@media (max-width: 959px) {
  .svc-hero--overlay { display: flow-root; }
  /* photo and text sit side by side without overlapping: text column ends before the photo begins */
  .svc-hero--overlay .svc-hero__media { position: absolute; top: 0; right: 0; bottom: 0; width: 42%; aspect-ratio: auto;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 16%), linear-gradient(0deg, transparent 0%, #000 20%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, #000 16%), linear-gradient(0deg, transparent 0%, #000 20%); mask-composite: intersect; }
  .svc-hero--overlay .svc-hero__media img { object-position: 12% 30%; }
  .svc-hero--overlay .svc-hero__media::after { display: none; }
  .svc-hero--overlay .svc-hero__content { margin-top: 0; padding: 28px var(--gutter) 40px; }
  .svc-hero--overlay .svc-hero__col { max-width: calc(58% - 22px); }
  .svc-hero--overlay .svc-hero__col > * + * { margin-top: 18px; }
  .svc-hero--overlay .title-box { padding: 16px 16px 14px; outline-offset: 4px; margin: 4px; }
  .svc-hero--overlay .title-box__l1 { font-size: clamp(1.55rem, .6rem + 4.3vw, 2.6rem); }
  .svc-hero--overlay .title-box__l2 { font-size: clamp(.7rem, .35rem + 1.6vw, 1.1rem); margin-top: 6px; }
  .svc-hero--overlay .title-box__rule { margin-top: 10px; }
  .svc-hero--overlay .svc-lead { font-size: clamp(1.05rem, .75rem + 1.4vw, 1.5rem); }
  .svc-hero--overlay .svc-lead-body { font-size: clamp(.85rem, .7rem + .7vw, 1.05rem); line-height: 1.55; }
  /* quick facts keep the two-column look */
  .svc-hero--overlay ~ .facts .fact-row { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 14px; padding-block: 16px; }
  .svc-hero--overlay ~ .facts .fact-row > p { padding-left: 0; font-size: .82rem; line-height: 1.45; }
  .svc-hero--overlay ~ .facts .check { grid-template-columns: 26px 1fr; gap: 8px; }
  .svc-hero--overlay ~ .facts .check__mark { width: 26px; height: 26px; }
  .svc-hero--overlay ~ .facts .check__mark .icon { width: 24px; height: 24px; }
  .svc-hero--overlay ~ .facts .check h3 { font-size: 1.02rem; line-height: 1.2; }
  .svc-hero--overlay ~ .facts .facts__head { gap: 14px; }
  .svc-hero--overlay ~ .facts .facts__head h2 { font-size: 1.35rem; letter-spacing: .24em; white-space: nowrap; }
}

/* ── Short-Term (approved design): photo right, title / intro / benefit list in a column left.
      On phones: photo beside the title + intro, benefit list full width below. ── */
.svc-hero--split .title-box__l1 { font-weight: 600; }
.svc-hero--split .title-box__l2 { letter-spacing: .18em; white-space: nowrap; }
@media (min-width: 960px) { .svc-hero--split .title-box__l2 { font-size: clamp(1.05rem, .45rem + .95vw, 1.6rem); } }
.svc-hero--split .title-box__rule { width: 48%; margin: 16px auto 0; }
.svc-hero--split .title-box { text-align: center; }
.svc-hero--split .svc-lead { font-family: var(--sans); font-weight: 350; }
.svc-hero--split .svc-hero__media::after { display: none; }
@media (min-width: 960px) {
  .svc-hero--split .svc-hero__media { width: min(56%, 640px);
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 22%); mask-image: linear-gradient(90deg, transparent 0%, #000 22%); }
  .svc-hero--split .svc-hero__media img { object-position: 50% 22%; }
  .svc-hero--split .svc-hero__col { max-width: min(44%, 520px); }
  .svc-hero--split .svc-lead { font-size: clamp(1.25rem, .8rem + .8vw, 1.5rem); line-height: 1.4; }
}
@media (max-width: 959px) {
  .svc-hero--split { display: grid; grid-template-columns: minmax(0, 1fr) 40%; column-gap: 14px; padding: 24px var(--gutter) 44px; }
  .svc-hero--split .svc-hero__content, .svc-hero--split .svc-hero__col { display: contents; }
  .svc-hero--split .svc-hero__media { position: relative; grid-column: 2; grid-row: 1 / span 2; aspect-ratio: auto; margin: -24px calc(-1 * var(--gutter)) 0 0;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 22%), linear-gradient(0deg, transparent 0%, #000 18%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, #000 22%), linear-gradient(0deg, transparent 0%, #000 18%); mask-composite: intersect; }
  .svc-hero--split .svc-hero__media img { position: absolute; inset: 0; object-position: 58% 26%; }
  .svc-hero--split .title-box { grid-column: 1; grid-row: 1; margin: 4px; padding: 16px 12px 14px; outline-offset: 4px; align-self: start; }
  .svc-hero--split .title-box__l1 { font-size: clamp(1.7rem, .8rem + 4.2vw, 2.6rem); }
  .svc-hero--split .title-box__l2 { font-size: clamp(.62rem, .3rem + 1.5vw, 1rem); letter-spacing: .14em; margin-top: 6px; }
  .svc-hero--split .title-box__rule { margin-top: 10px; }
  .svc-hero--split .svc-lead { grid-column: 1; grid-row: 2; margin-top: 16px; font-size: clamp(.95rem, .7rem + 1.2vw, 1.3rem); line-height: 1.5; }
  .svc-hero--split .checks { grid-column: 1 / -1; margin-top: 18px; }
  .svc-hero--split .svc-hero__col > p:last-child { grid-column: 1 / -1; margin-top: 18px; text-align: center; }
}
/* heading above a hero's points (Short Term: "How Short-Term Plans Work") */
.svc-hero__points { margin-top: 28px; }
.svc-hero__points-title { font-size: clamp(1.8rem, 1.2rem + 1.4vw, 2.5rem); font-weight: 700; line-height: 1.05; letter-spacing: -.02em; color: #2f1a0f; }
.svc-hero__points .checks { margin-top: 12px; }
/* Short Term on phones/tablets: title + intro full width, then Maryam's photo floats on the left,
   looking right at the points. Points beside the photo are narrow; once past it they widen to the
   full width (each point is its own box, so it fits beside or below the photo). Button below. */
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--short-term-medical { display: block; }
  .svc-hero--short-term-medical .title-box { display: block; }
  .svc-hero--split.svc-hero--short-term-medical .svc-hero__media { position: relative; float: left; width: 42%; aspect-ratio: 505 / 1536; margin: 4px 14px 10px calc(-1 * var(--gutter));
    -webkit-mask-image: linear-gradient(90deg, #000 72%, transparent 100%), linear-gradient(0deg, transparent 0%, #000 14%); mask-image: linear-gradient(90deg, #000 72%, transparent 100%), linear-gradient(0deg, transparent 0%, #000 14%); }
  .svc-hero--short-term-medical .svc-hero__media img { position: absolute; inset: 0; object-position: 30% 0; }
  .svc-hero--short-term-medical .svc-hero__points { margin-top: 18px; }
  .svc-hero__points-title { font-size: clamp(1.3rem, .7rem + 2.6vw, 1.9rem); }
  .svc-hero--short-term-medical .svc-hero__points .checks { display: block; margin-top: 6px; }
  .svc-hero--short-term-medical .check { grid-template-columns: 30px 1fr; gap: 10px; padding-block: 10px; }
  .svc-hero--short-term-medical .check__mark { width: 30px; height: 30px; }
  .svc-hero--short-term-medical .check__mark .icon { width: 16px; height: 16px; }
  .svc-hero--short-term-medical .check h3 { font-size: 1.02rem; line-height: 1.2; }
  .svc-hero--short-term-medical .check p { font-size: .84rem; line-height: 1.42; margin-top: 3px; }
  .svc-hero--short-term-medical .svc-hero__col > p:last-child { clear: both; margin-top: 18px; text-align: center; }
}
@media (min-width: 560px) and (max-width: 959px) {
  .svc-hero--split.svc-hero--short-term-medical .svc-hero__media { width: 34%; margin-right: 24px; }
  .svc-hero--short-term-medical .svc-hero__media img { object-position: 30% 8%; }
  .svc-hero--short-term-medical .check { grid-template-columns: 44px 1fr; gap: 14px; padding-block: 14px; }
  .svc-hero--short-term-medical .check__mark { width: 44px; height: 44px; }
  .svc-hero--short-term-medical .check__mark .icon { width: 22px; height: 22px; }
  .svc-hero--short-term-medical .check h3 { font-size: 1.3rem; }
  .svc-hero--short-term-medical .check p { font-size: 1rem; line-height: 1.5; margin-top: 4px; }
}
/* Short Term on desktop: photo mirrored so Maryam faces left, toward the text. The photo sits inside
   the points block in the markup but is positioned against the whole hero, so the text layers above it. */
@media (min-width: 960px) {
  .svc-hero--short-term-medical .svc-hero__media img { transform: scaleX(-1); }
  .svc-hero--short-term-medical :is(.title-box, .svc-lead, .svc-hero__points-title, .checks, .svc-hero__col > p) { position: relative; z-index: 1; }
}
/* split hero with its photo removed (Short Term): text uses the full width */
.svc-hero--split.svc-hero--noimg .title-box { display: block; }
@media (min-width: 960px) { .svc-hero--split.svc-hero--noimg .svc-hero__col { max-width: 720px; } }
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--noimg { grid-template-columns: minmax(0, 1fr); }
}

/* ── "How Short-Term Plans Work" (approved design): photo left fading into beige, points right ── */
.how-works { position: relative; overflow: hidden; background: linear-gradient(90deg, #efe7dd, #f6efe6); padding-block: clamp(40px, 6vw, 80px); }
.how-works__media { position: absolute; top: 0; left: 0; bottom: 0; width: 50%;
  -webkit-mask-image: linear-gradient(90deg, #000 62%, transparent 100%); mask-image: linear-gradient(90deg, #000 62%, transparent 100%); }
.how-works__media img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 15%; }
.how-works__inner { position: relative; z-index: 1; }
.how-works__text { margin-left: auto; width: 50%; }
.how-works__title { font-size: clamp(2.4rem, 1.4rem + 3.2vw, 4.2rem); font-weight: 700; line-height: .98; letter-spacing: -.03em; color: #2f1a0f; text-align: center; }
.how-works__list { margin-top: 20px; }
.how-works__list .check { padding-block: 12px; }
.how-works__list .check p { font-size: clamp(.95rem, .85rem + .3vw, 1.12rem); }
.how-works__cta { margin-top: 22px; text-align: center; }
.how-works--noimg .how-works__text { margin-inline: auto; width: min(100%, 720px); }
@media (max-width: 859px) {
  /* phones/tablets: the whole photo (natural proportions, no zoom) sits top-left; the title and
     points flow beside it, then continue full width once they pass the photo */
  .how-works { padding-block: 32px 40px; }
  .how-works__media { position: static; float: left; width: 46%; margin: -32px 12px 12px 0;
    -webkit-mask-image: linear-gradient(90deg, #000 70%, transparent 100%), linear-gradient(0deg, transparent 0%, #000 14%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, #000 70%, transparent 100%), linear-gradient(0deg, transparent 0%, #000 14%); mask-composite: intersect; }
  .how-works__media img { height: auto; aspect-ratio: 505 / 1536; object-position: 50% 0; }
  .how-works__inner { position: static; }
  .how-works__text { width: auto; margin: 0; }
  .how-works__title { font-size: clamp(1.55rem, .8rem + 3.4vw, 2.6rem); }
  .how-works__list { display: block; margin-top: 12px; }
  .how-works__list .check { grid-template-columns: 28px 1fr; gap: 10px; padding-block: 9px; }
  .how-works__list .check__mark { width: 28px; height: 28px; }
  .how-works__list .check__mark .icon { width: 15px; height: 15px; }
  .how-works__list .check h3 { font-size: 1rem; line-height: 1.2; }
  .how-works__list .check p { font-size: .84rem; line-height: 1.42; margin-top: 3px; }
  .how-works__cta { clear: both; padding-top: 8px; }
}

/* ── Dental (large title + split): face sits near the photo edge, so the fade is short ── */
.svc-hero--split.svc-hero--large .svc-hero__media { -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 11%); mask-image: linear-gradient(90deg, transparent 0%, #000 11%); }
.svc-hero--split.svc-hero--large .svc-title { color: #5a3421; }
@media (min-width: 960px) {
  .svc-hero--split.svc-hero--large .svc-hero__media { width: min(46%, 480px); -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 16%); mask-image: linear-gradient(90deg, transparent 0%, #000 16%); }
  .svc-hero--split.svc-hero--large .svc-hero__media img { object-position: 0% 20%; }
  .svc-hero--split.svc-hero--large .svc-title { font-size: clamp(4rem, 1.6rem + 4.2vw, 6.4rem); }
}
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--large { grid-template-columns: minmax(0, 1fr) 42%; row-gap: 0; }
  .svc-hero--split.svc-hero--large .svc-hero__media { grid-row: 1 / span 3; margin-bottom: 0;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 11%), linear-gradient(0deg, transparent 0%, #000 12%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, #000 11%), linear-gradient(0deg, transparent 0%, #000 12%); mask-composite: intersect; }
  .svc-hero--split.svc-hero--large .svc-hero__media img { object-position: 25% 30%; }
  .svc-hero--split.svc-hero--large .svc-title { grid-column: 1; grid-row: 1; font-size: clamp(2.3rem, 1rem + 6.2vw, 3.6rem); }
  .svc-hero--split.svc-hero--large .svc-title-rule { grid-column: 1; grid-row: 2; width: 90px; margin-top: 14px; }
  .svc-hero--split.svc-hero--large .checks { grid-column: 1; grid-row: 3; margin-top: 14px; }
  .svc-hero--split.svc-hero--large .check { grid-template-columns: 30px 1fr; gap: 10px; padding-block: 10px; }
  .svc-hero--split.svc-hero--large .check__mark { width: 30px; height: 30px; }
  .svc-hero--split.svc-hero--large .check__mark .icon { width: 16px; height: 16px; }
  .svc-hero--split.svc-hero--large .check h2 { font-size: 1.02rem; line-height: 1.2; }
  .svc-hero--split.svc-hero--large .check p { font-size: .84rem; line-height: 1.42; margin-top: 3px; }
  .svc-hero--split.svc-hero--large .svc-hero__col > p:last-child { grid-row: 4; }
}

/* Dental: photo includes a soft hazy margin on its left, which slides under the text so the two
   blend like the approved design instead of meeting at a hard edge */
@media (min-width: 960px) {
  .svc-hero--split.svc-hero--large .svc-hero__media { width: min(60%, 700px);
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 42%); mask-image: linear-gradient(90deg, transparent 0%, #000 42%); }
  .svc-hero--split.svc-hero--large .svc-hero__media img { object-position: 100% 20%; }
}
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--large .svc-hero__media { position: absolute; top: 0; right: 0; bottom: auto; width: 66%; margin: 0; grid-area: auto; z-index: 0;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 50%), linear-gradient(0deg, transparent 0%, #000 22%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, #000 50%), linear-gradient(0deg, transparent 0%, #000 22%); mask-composite: intersect; }
  .svc-hero--split.svc-hero--large .svc-hero__media img { position: static; width: 100%; height: auto; object-fit: fill; }
  .svc-hero--split.svc-hero--large .svc-title, .svc-hero--split.svc-hero--large .svc-title-rule,
  .svc-hero--split.svc-hero--large .checks, .svc-hero--split.svc-hero--large .svc-hero__col > p:last-child { position: relative; z-index: 1; }
}

/* Dental (original photo): the photo's own soft background runs under the text and fades into beige */
@media (min-width: 960px) {
  .svc-hero--split.svc-hero--large .svc-hero__media { width: 64%;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.35) 30%, #000 55%); mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.35) 30%, #000 55%); }
  .svc-hero--split.svc-hero--large .svc-hero__media img { object-position: 100% 25%; }
}
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--large .svc-hero__media { width: 100%;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.3) 38%, #000 60%), linear-gradient(0deg, transparent 0%, #000 22%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.3) 38%, #000 60%), linear-gradient(0deg, transparent 0%, #000 22%); mask-composite: intersect; }
}

/* Dental on phones: the photo spans exactly the title + four points (grid rows 1–3), bleeding to the
   screen edges; the consultation button sits directly below the points */
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--large { padding-bottom: 36px; }
  .svc-hero--split.svc-hero--large .svc-hero__media { position: relative; top: auto; right: auto; width: auto; height: auto;
    grid-column: 1 / -1; grid-row: 1 / 4; margin: -24px calc(-1 * var(--gutter)) 0; z-index: 0;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.3) 38%, #000 60%), linear-gradient(0deg, transparent 0%, rgba(0,0,0,.25) 14%, #000 40%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.3) 38%, #000 60%), linear-gradient(0deg, transparent 0%, rgba(0,0,0,.25) 14%, #000 40%); mask-composite: intersect; }
  .svc-hero--split.svc-hero--large .svc-hero__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 100% 0; }
  .svc-hero--split.svc-hero--large .svc-hero__col > p:last-child { grid-row: 4; margin-top: 22px; }
}
@media (min-width: 960px) {
  .svc-hero--split.svc-hero--large .svc-hero__media img { object-position: 100% 0; }
  .svc-hero--split.svc-hero--large .svc-hero__media {
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.35) 30%, #000 55%), linear-gradient(0deg, transparent 0%, #000 22%); -webkit-mask-composite: source-in;
    mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.35) 30%, #000 55%), linear-gradient(0deg, transparent 0%, #000 22%); mask-composite: intersect; }
}

/* Dental desktop: zoomed out — photo sized by the section's height (face smaller, more shoulders),
   anchored right; its own left edge fades so it melts into the beige */
@media (min-width: 960px) {
  .svc-hero--split.svc-hero--large .svc-hero__media img { position: absolute; top: 0; right: 0; left: auto; width: auto; height: 115%; max-width: none; object-fit: fill;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 38%); mask-image: linear-gradient(90deg, transparent 0%, #000 38%); }
}
@media (min-width: 1280px) {
  .svc-hero--split.svc-hero--large .svc-hero__media img { width: 39vw; height: auto; min-height: 100%; }
}

/* ── Vision (approved design): tagline under the rule + taupe icon badges instead of check marks ── */
.svc-tagline { font-family: var(--sans); text-transform: uppercase; letter-spacing: .26em; font-size: clamp(.8rem, .6rem + .6vw, 1.15rem); line-height: 1.6; color: #3d2a1e; margin: 0; }
.svc-tagline span { display: block; }
.check__mark--icon { background: #7a5c4b; }
.check__mark--icon .icon { stroke-width: 1.6; }
.svc-hero--vision .check h2 { font-weight: 560; }
@media (min-width: 960px) {
  .svc-hero--vision .svc-hero__media img { height: 108%; object-position: 100% 0; }
  .svc-hero--vision .svc-tagline { margin-top: 18px; }
}
@media (min-width: 1280px) {
  .svc-hero--split.svc-hero--large.svc-hero--vision .svc-hero__media img { width: min(52vw, 800px); height: 100%; min-height: 0; object-fit: cover; object-position: 100% 0; }
}
@media (max-width: 959px) {
  .svc-hero--split.svc-hero--large.svc-hero--vision { grid-template-columns: minmax(0, 1fr) 50%; }
  .svc-hero--split.svc-hero--large.svc-hero--vision .svc-tagline { grid-column: 1; grid-row: 3; margin-top: 12px; font-size: .68rem; letter-spacing: .18em; position: relative; z-index: 1; }
  .svc-hero--split.svc-hero--large.svc-hero--vision .checks { grid-row: 4; }
  .svc-hero--split.svc-hero--large.svc-hero--vision .svc-hero__media { grid-row: 1 / 5; }
  .svc-hero--split.svc-hero--large.svc-hero--vision .svc-hero__media img { object-position: 100% 0; }
  .svc-hero--split.svc-hero--large.svc-hero--vision .svc-hero__col > p:last-child { grid-row: 5; }
}
}

/* ── Travel (approved design): photo fills the whole hero; a soft cream haze on the left holds the text ── */
.svc-hero--large.svc-hero--full { display: flex; align-items: center; min-height: 0; }
.svc-hero--large.svc-hero--full .svc-hero__media { position: absolute; inset: 0; width: auto; aspect-ratio: auto; margin: 0; }
.svc-hero--large.svc-hero--full .svc-hero__media img { width: 100%; height: 100%; object-fit: cover; object-position: 70% 55%; }
.svc-hero--large.svc-hero--full .svc-hero__media::after { content: ""; display: block; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(247, 240, 231, .96) 0%, rgba(247, 240, 231, .9) 30%, rgba(247, 240, 231, .55) 46%, rgba(247, 240, 231, 0) 62%); }
.svc-hero--large.svc-hero--full .svc-hero__content { position: relative; z-index: 1; width: min(100% - 2 * var(--gutter), var(--container)); margin: 0 auto; padding-block: clamp(56px, 7vw, 96px); }
.svc-hero--large.svc-hero--full .svc-title { color: #2f1a0f; }
.svc-hero--large.svc-hero--full .svc-title-rule { display: none; }
.svc-hero--large.svc-hero--full .checks--outline .check__mark { color: #6e4a33; }
@media (min-width: 960px) {
  .svc-hero--large.svc-hero--full { min-height: 780px; }
  .svc-hero--large.svc-hero--full .svc-hero__media { left: auto; width: min(64%, 860px);
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.55) 22%, #000 42%); mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.55) 22%, #000 42%); }
  .svc-hero--large.svc-hero--full .svc-hero__media img { object-position: 60% 32%; }
  .svc-hero--large.svc-hero--full .svc-hero__media::after { background: linear-gradient(90deg, rgba(247, 240, 231, .7) 0%, rgba(247, 240, 231, 0) 30%); }
  .svc-hero--large.svc-hero--full .svc-hero__col { max-width: 500px; }
}
@media (max-width: 959px) {
  /* phones: the same full-bleed photo; the haze is wider so the text column stays readable */
  .svc-hero--large.svc-hero--full .svc-hero__content { margin-top: 0; padding: 32px var(--gutter) 40px; }
  .svc-hero--large.svc-hero--full .svc-hero__col { max-width: 64%; }
  .svc-hero--large.svc-hero--full .svc-hero__media img { object-position: 76% 50%; }
  .svc-hero--large.svc-hero--full .svc-hero__media::after {
    background: linear-gradient(90deg, rgba(247, 240, 231, .97) 0%, rgba(247, 240, 231, .92) 48%, rgba(247, 240, 231, .5) 66%, rgba(247, 240, 231, 0) 84%); }
  .svc-hero--large.svc-hero--full .svc-title { font-size: clamp(2.3rem, 1rem + 6.2vw, 3.6rem); }
  .svc-hero--large.svc-hero--full .checks { margin-top: 16px; }
  .svc-hero--large.svc-hero--full .check { grid-template-columns: 30px 1fr; gap: 10px; padding-block: 10px; }
  .svc-hero--large.svc-hero--full .checks--outline .check__mark { width: 30px; height: 30px; }
  .svc-hero--large.svc-hero--full .checks--outline .check__mark .icon { width: 26px; height: 26px; }
  .svc-hero--large.svc-hero--full .check h2 { font-size: 1.02rem; line-height: 1.2; }
  .svc-hero--large.svc-hero--full .check p { font-size: .84rem; line-height: 1.42; margin-top: 3px; }
  .svc-hero--large.svc-hero--full .svc-hero__col > p:last-child { margin-top: 22px; }
  .svc-hero--large.svc-hero--full .btn--pill { white-space: nowrap; max-width: none; }
}
.svc-hero--centered .svc-hero__media img { object-position: 55% 62%; }

/* Cancer (full-bleed like Travel, but keeps the short rule under the title) */
.svc-hero--large.svc-hero--full.svc-hero--cancer-policies .svc-title-rule { display: block; margin-top: 18px; }
.svc-hero--large.svc-hero--full.svc-hero--cancer-policies .svc-hero__media img { object-position: 70% 60%; }
@media (max-width: 959px) {
  .svc-hero--large.svc-hero--full.svc-hero--cancer-policies .svc-hero__media img { object-position: 88% 62%; }
  .svc-hero--large.svc-hero--full.svc-hero--cancer-policies .svc-title-rule { width: 90px; margin-top: 14px; }
}

/* Hospital Indemnity (full-bleed; keeps the title rule, subtitle and the two labeled groups) */
.svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-title-rule { display: block; margin-top: 18px; }
.svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-hero__media img { object-position: 75% 60%; }
.svc-hero--full .check-group__label { color: #7a5139; letter-spacing: .28em; }
.svc-hero--full .check-group + .check-group { border-top-color: #b99c80; }
@media (max-width: 959px) {
  .svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-hero__media img { object-position: 80% 55%; }
  .svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-title-rule { width: 90px; margin-top: 14px; }
  .svc-hero--full .svc-sub { font-size: 1rem; line-height: 1.4; }
  .svc-hero--full .check-group__label { font-size: .74rem; letter-spacing: .2em; margin-top: 4px; }
}
@media (max-width: 959px) {
  .svc-hero--large.svc-hero--full .check h3 { font-size: 1.02rem; line-height: 1.2; }
  .svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-hero__col { max-width: 72%; }
  .svc-hero--large.svc-hero--full.svc-hero--hospital-indemnity .svc-hero__media::after {
    background: linear-gradient(90deg, rgba(247, 240, 231, .97) 0%, rgba(247, 240, 231, .92) 56%, rgba(247, 240, 231, .45) 76%, rgba(247, 240, 231, 0) 92%); }
}