/* ===== TOKENS ===== */
:root{
  --bg:#edf5f7;
  --surface:#ffffff;

  --ink:#172a35;
  --ink-2:#526975;
  --ink-3:#899da6;

  --line:#d5e5e9;
  --line-2:#e8f0f2;

  --indigo:#176b87;
  --indigo-soft:#398da5;
  --indigo-t:#dceff4;

  --amber:#d9653b;
  --amber-t:#fbe8df;

  --rose:#25866f;
  --rose-t:#dcf2e9;

  --font-d:'Playfair Display',Georgia,serif;
  --font-s:'Work Sans',system-ui,sans-serif;

  --r:18px;
  --r-lg:28px;
}

[data-theme="dark"]{
  --bg:#0d1920;
  --surface:#172832;

  --ink:#edf6f8;
  --ink-2:#bfd0d7;
  --ink-3:#8ba2ac;

  --line:#2b424d;
  --line-2:#20343e;

  --indigo:#65c0dc;
  --indigo-soft:#8bd4e8;
  --indigo-t:#183b49;

  --amber:#ff936a;
  --amber-t:#48291f;

  --rose:#65c9a8;
  --rose-t:#193b32;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-s);font-size:16.5px;color:var(--ink);background:var(--bg);line-height:1.65;
  -webkit-font-smoothing:antialiased;transition:background .3s,color .3s;
}
h1,h2,h3,h4,h5{font-family:var(--font-d);font-weight:700;line-height:1.15;letter-spacing:-.02em;color:var(--ink);transition:color .3s}
p{color:var(--ink-2);transition:color .3s}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
.container-custom{max-width:1420px;padding:0 24px;margin:0 auto}
section[id]{scroll-margin-top:80px}
::selection{background:var(--amber);color:#fff}

/* ===== NAV ===== */
.nav-glass{
  position:sticky;top:0;z-index:100;background:rgba(246,243,235,.92);
  backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(30,35,54,.06);transition:.3s;
}
[data-theme="dark"] .nav-glass{background:rgba(24,23,38,.95);border-color:rgba(255,255,255,.06)}
.nav-glass.scrolled{border-color:var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-d);font-size:23px;font-weight:800;color:var(--ink)}
.brand i{color:var(--indigo);font-size:22px}
.nav-links{display:flex;gap:4px;list-style:none;align-items:center}
.nav-links a{padding:8px 13px;border-radius:10px;font-size:14.5px;font-weight:500;color:var(--ink-2);transition:.2s;font-family:var(--font-s)}
.nav-links a:hover{color:var(--ink);background:var(--line-2)}
.nav-links a.active{color:var(--indigo);font-weight:600}
.nav-right{display:flex;align-items:center;gap:10px}
.theme-btn{
  width:44px;height:44px;border-radius:50%;border:1.5px solid var(--line);background:var(--surface);
  display:grid;place-items:center;color:var(--ink-2);transition:.2s;font-size:16px
}
.theme-btn:hover{border-color:var(--indigo);color:var(--indigo)}
.btn-solid{
  padding:11px 22px;border-radius:14px;font-family:var(--font-s);font-weight:600;font-size:14.5px;
  background:var(--ink);color:var(--bg);transition:.25s;box-shadow:0 4px 0 0 rgba(30,35,54,.18);
  display:inline-block;
}
.btn-solid:hover{transform:translateY(-2px);box-shadow:0 6px 0 0 rgba(30,35,54,.2);background:var(--indigo-soft);color:#fff}
.btn-outline{
  padding:11px 22px;border-radius:14px;font-family:var(--font-s);font-weight:600;font-size:14.5px;
  border:1.5px solid var(--line);color:var(--ink);transition:.25s;display:inline-block;
}
.btn-outline:hover{border-color:var(--indigo);color:var(--indigo);background:var(--indigo-t)}
.burger{display:none;width:42px;height:42px;border:1.5px solid var(--line);border-radius:12px;background:var(--surface);flex-direction:column;gap:5px;align-items:center;justify-content:center}
.burger span{width:18px;height:2px;background:var(--ink);transition:.3s;border-radius:1px}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ===== HERO ===== */
.hero{padding:50px 0 90px;position:relative;overflow:hidden}
.hero::before{
  content:'';position:absolute;top:-10%;right:-8%;width:600px;height:600px;
  background:radial-gradient(circle,var(--indigo-t) 0%,transparent 70%);pointer-events:none;border-radius:50%;
}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;position:relative;z-index:2}
.hero-badge{
  display:inline-flex;align-items:center;gap:9px;padding:7px 16px;border-radius:99px;
  background:var(--indigo-t);color:var(--indigo);font-family:var(--font-s);font-weight:600;font-size:13.5px;margin-bottom:24px
}
.hero-badge i{color:var(--amber);font-size:16px}
.hero h1{font-size:clamp(40px,5vw,50px);font-weight:800;margin-bottom:22px;line-height:1.08}
.hero h1 em{font-style:italic;color:var(--indigo);font-weight:700}
.hero p.lead{font-size:17.5px;color:var(--ink-2);max-width:520px;margin-bottom:32px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:28px}
.hero-features{display:flex;flex-wrap:wrap;gap:20px 32px}
.hfeat{display:flex;align-items:center;gap:9px;font-weight:600;font-size:14.5px;color:var(--ink-2)}
.hfeat::before{content:'';width:8px;height:8px;background:var(--amber);border-radius:50%;flex-shrink:0}

.hero-art{position:relative}
.hero-art .art-frame{
  background:var(--indigo-t);border-radius:36px;padding:52px 42px;
  position:relative;overflow:hidden;min-height:450px;
}
.hero-art .art-frame::after{
  content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' stroke='%23fff' stroke-width='0.5' opacity='0.15'%3E%3Cpath d='M0 20 h40 M20 0 v40'/%3E%3C/g%3E%3C/svg%3E");
  pointer-events:none;
}
.hero-art .svg-deco{
  position:relative;z-index:1;width:100%;max-width:430px;margin:0 auto;
}
.floating-card{
  position:absolute;z-index:3;background:var(--bg);border:1.5px solid var(--line);border-radius:18px;padding:16px 22px;box-shadow:0 10px 30px rgba(30,35,54,.08);font-family:var(--font-s);
}
.floating-card b{display:block;font-family:var(--font-d);font-size:22px;color:var(--indigo)}
.floating-card span{font-size:11px;font-weight:500;color:var(--ink-3);letter-spacing:.06em;text-transform:uppercase}
.f1{top:4%;left:-12%}.f2{bottom:14%;right:-10%}.f3{top:38%;left:-8%}

/* ===== MARQUEE ===== */
.mq{background:var(--ink);color:var(--bg);overflow:hidden;padding:14px 0;font-family:var(--font-m);font-size:12px;letter-spacing:.16em;text-transform:uppercase}
.mq-track{display:flex;width:max-content;animation:mq 28s linear infinite}
.mq span{padding:0 24px;white-space:nowrap;opacity:.85}
.mq span i{color:var(--amber);margin-right:10px}
@keyframes mq{to{transform:translateX(-50%)}}

/* ===== SECTIONS ===== */
.section{padding:110px 0}
.section-header{margin-bottom:56px;max-width:640px}
.section-header.centered{text-align:center;margin:0 auto 56px}
.section-header .eyebrow{
  font-family:var(--font-s);font-weight:700;font-size:12px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--indigo);margin-bottom:12px;display:inline-block
}
.section-header h2{font-size:clamp(30px,3.5vw,46px);margin-bottom:12px}
.section-header p{font-size:16.5px;color:var(--ink-2)}
.divider-deco{width:48px;height:4px;background:var(--amber);border-radius:2px;margin-top:12px}

/* ===== PAGE HERO (for separate pages) ===== */
.page-hero{
  padding:90px 0 60px;background:var(--line-2);position:relative;overflow:hidden;
}
.page-hero::before{
  content:'';position:absolute;top:-20%;right:-10%;width:500px;height:500px;
  background:radial-gradient(circle,var(--indigo-t) 0%,transparent 70%);pointer-events:none;border-radius:50%;
}
.page-hero-inner{position:relative;z-index:1;max-width:720px}
.page-hero .eyebrow{
  font-family:var(--font-s);font-weight:700;font-size:12px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--indigo);margin-bottom:12px;display:inline-block
}
.page-hero h1{font-size:clamp(36px,4vw,52px);margin-bottom:16px}
.page-hero p{font-size:17.5px;color:var(--ink-2);max-width:580px}

/* ===== ABOUT ===== */
.about{background:var(--line-2);position:relative}
.about-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:70px;align-items:center}
.about-img{
  background:linear-gradient(135deg,var(--indigo-t),var(--amber-t));border-radius:32px;padding:50px 36px;
  min-height:420px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;
}
.about-img .emoji{font-size:100px;filter:drop-shadow(0 15px 14px rgba(30,35,54,.12))}
.about-copy .eyebrow{margin-bottom:14px}
.about-copy h2{font-size:clamp(28px,3vw,40px);margin-bottom:20px}
.about-copy p{margin-bottom:14px}
.about-points{display:grid;gap:14px;margin-top:28px;list-style:none}
.about-points li{display:flex;align-items:center;gap:12px;font-weight:500;color:var(--ink)}
.about-points li i{color:var(--amber);font-size:17px}

/* ===== SERVICES (vertical alternate) ===== */
.services{background:var(--surface);border-top:1.5px solid var(--line);border-bottom:1.5px solid var(--line)}
.svc-block{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;margin-bottom:80px;position:relative}
.svc-block.rev{direction:rtl}
.svc-block.rev>div{direction:ltr}
.svc-block:last-child{margin-bottom:0}
.svc-num{
  font-family:var(--font-d);font-size:92px;font-weight:800;color:var(--line-2);line-height:1;
  position:absolute;top:-40px;left:30px;z-index:-1;letter-spacing:-.05em
}
.svc-block.rev .svc-num{left:auto;right:30px}
.svc-visual{
  background:var(--bg);border-radius:32px;padding:50px 30px;text-align:center;position:relative;overflow:hidden;border:1.5px solid var(--line)
}
.svc-visual::before{
  content:'';position:absolute;top:-20px;right:-20px;width:140px;height:140px;
  background:var(--indigo-t);border-radius:50%;opacity:.7;pointer-events:none
}
.svc-visual .emoji{font-size:70px;display:block;margin-bottom:18px}
.svc-visual h4{font-family:var(--font-d);font-size:22px;margin-bottom:6px}
.svc-visual p{font-size:14px;color:var(--ink-2)}
.svc-text h3{font-family:var(--font-d);font-size:26px;margin-bottom:14px}
.svc-text h3 em{font-style:italic;color:var(--indigo)}
.svc-text p{font-size:15.5px;margin-bottom:12px}
.svc-tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.svc-tags span{font-size:12px;font-weight:600;padding:5px 12px;border-radius:99px;background:var(--line-2);color:var(--ink-2)}
.svc-cta{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:var(--font-s);font-weight:600;font-size:15px;color:var(--indigo)}
.svc-cta:hover{color:var(--amber)}
.svc-cta i{transition:transform .2s}
.svc-cta:hover i{transform:translateX(4px)}

/* ===== INSURANCE SECTIONS ===== */
.in-band{padding:110px 0}
.in-band.teal{background:linear-gradient(180deg,var(--indigo-t),var(--surface))}
.in-band.amber{background:linear-gradient(180deg,var(--amber-t),var(--surface))}
.in-band .kicker{color:var(--indigo)}
.in-band.amber .kicker{color:var(--amber)}
.in-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.in-grid.rev .in-text{order:2}
.in-text h2{font-size:clamp(28px,3.2vw,38px);margin-bottom:16px}
.in-text h2 em{font-style:italic;color:var(--indigo)}
.in-band.amber .in-text h2 em{color:var(--amber)}
.in-text p{margin-bottom:14px;font-size:15.5px}
.in-feats{list-style:none;margin:24px 0 28px;display:grid;gap:11px}
.in-feats li{display:flex;gap:12px;align-items:center;font-weight:500;font-size:15px}
.in-feats i{font-size:14px;color:var(--indigo);font-weight:700}
.in-band.amber .in-feats i{color:var(--amber)}
.in-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:28px;padding:42px;
  box-shadow:0 30px 60px rgba(30,35,54,.06);position:relative;overflow:hidden
}
.in-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--indigo),var(--amber));
}
.in-card h3{font-family:var(--font-d);font-size:20px;margin-bottom:18px}
.in-card ul{list-style:none;display:grid;gap:10px;margin-bottom:14px}
.in-card li{display:flex;gap:10px;font-size:14.5px;color:var(--ink-2);align-items:center}
.in-card li i{color:var(--indigo);font-size:16px}
.in-card .big-number{font-family:var(--font-d);font-size:48px;font-weight:800;color:var(--indigo);line-height:1;letter-spacing:-.03em;margin-bottom:6px}
.in-card span.note{font-size:12.5px;color:var(--ink-3);font-weight:500}
.in-card .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:10px}

/* ===== WHY ===== */
.why{background:var(--bg)}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.why-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:28px;padding:32px;
  transition:.3s;position:relative;overflow:hidden
}
.why-card:hover{transform:translateY(-5px);border-color:var(--indigo);box-shadow:0 18px 36px rgba(30,35,54,.07)}
.why-card .dot{position:absolute;top:18px;right:18px;width:10px;height:10px;border-radius:50%;background:var(--amber)}
.why-card h3{font-size:20px;margin-bottom:10px}
.why-card p{font-size:15px;color:var(--ink-2)}
.why-card .emoji{font-size:46px;margin-bottom:14px;display:block}

/* ===== TESTIMONIALS ===== */
.testimonials{background:var(--indigo);color:#fff;position:relative;overflow:hidden}
.testimonials::before{
  content:'';position:absolute;top:-20%;left:-10%;width:400px;height:400px;border-radius:50%;
  background:radial-gradient(circle,rgba(255,255,255,.08),transparent 70%)
}
.t-head{position:relative;z-index:1}
.t-head h2{color:#fff}.t-head p{color:#c9cdd8}
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative;z-index:1}
.t-card{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.15);border-radius:24px;
  padding:26px;transition:.3s
}
.t-card:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.25)}
.t-card blockquote{font-family:var(--font-d);font-size:18px;font-style:italic;line-height:1.6;margin-bottom:20px;color:#f2efe9}
.t-card .stars{color:#f3c254;font-size:13px;letter-spacing:2px;margin-bottom:14px}
.t-author{display:flex;align-items:center;gap:12px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px}
.t-avatar{width:44px;height:44px;border-radius:50%;background:var(--amber);display:grid;place-items:center;font-weight:700;font-family:var(--font-d);font-size:14px;color:#fff}
.t-author b{display:block;font-family:var(--font-d)}
.t-author span{font-size:11.5px;color:#b0bbd0}

/* ===== FAQ ===== */
.faq{background:var(--bg)}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.fq{border-bottom:1.5px solid var(--line)}
.fq:first-child{border-top:1.5px solid var(--line)}
.fq-btn{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 4px;text-align:left;font-family:var(--font-s);font-weight:600;font-size:16.5px;color:var(--ink);transition:.2s}
.fq-btn:hover{color:var(--indigo)}
.fq-btn i{font-size:16px;color:var(--amber);transition:.3s;flex-shrink:0}
.fq.open .fq-btn i{transform:rotate(45deg);color:var(--indigo)}
.fq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.fq-a p{padding:0 4px 22px;font-size:14.5px}

/* ===== NEWSLETTER ===== */
.news{background:var(--surface);border-top:1.5px solid var(--line);border-bottom:1.5px solid var(--line)}
.news-card{
  background:linear-gradient(135deg,var(--indigo-t),var(--amber-t));border-radius:32px;padding:56px 48px;
  display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;position:relative;overflow:hidden
}
.news-card::after{
  content:'✦';position:absolute;right:-30px;bottom:-50px;font-size:200px;opacity:.1;color:var(--indigo);transform:rotate(15deg);font-family:var(--font-d)
}
.news-card h2{font-size:clamp(26px,3vw,36px);margin-bottom:10px}
.news-card > p{margin-bottom:8px}
.news-card .tag{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--indigo);margin-bottom:16px;display:block}
.news-form{display:grid;gap:14px}
.news-form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.news-form input{
  width:100%;padding:13px 16px;border:1.5px solid var(--line);border-radius:12px;
  background:var(--bg);font-family:var(--font-s);font-size:14.5px;color:var(--ink);transition:.2s
}
.news-form input:focus{outline:none;border-color:var(--indigo);box-shadow:0 0 0 4px rgba(63,74,123,.12)}
.news-form input[type="date"]{font-family:var(--font-s)}
.check-legal{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:var(--ink-2);cursor:pointer;margin:4px 0}
.check-legal input{margin-top:3px;accent-color:var(--indigo);width:16px;height:16px}
.unsub{font-size:13px;color:var(--ink-3);text-decoration:underline;text-underline-offset:3px}
.unsub:hover{color:var(--indigo)}

/* ===== CONTACT ===== */
.contact{background:var(--bg)}
.contact-panel{
  background:var(--surface);border:1.5px solid var(--line);border-radius:28px;
  display:grid;grid-template-columns:1.2fr .8fr;overflow:hidden
}
.contact-form-panel{padding:48px 44px}
.contact-form-panel h2{font-size:26px;margin-bottom:6px}
.contact-form-panel > p{margin-bottom:28px;font-size:15px;color:var(--ink-2)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.form-field{margin-bottom:14px}
.form-field label{display:block;font-weight:600;font-size:13px;margin-bottom:6px;color:var(--ink-2);font-family:var(--font-s)}
.form-field input,.form-field select,.form-field textarea{
  width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;
  background:var(--bg);font-family:var(--font-s);font-size:15px;color:var(--ink);transition:.2s
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--indigo);box-shadow:0 0 0 4px rgba(63,74,123,.1)}
.form-field textarea{min-height:120px;resize:vertical}

.contact-info{background:var(--indigo-t);padding:44px 36px;border-left:1.5px solid var(--line)}
.info-card{margin-bottom:20px;padding-bottom:20px;border-bottom:1px dashed var(--line)}
.info-card:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
.info-card h4{font-family:var(--font-s);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);margin-bottom:4px}
.info-card p{font-family:var(--font-d);font-size:17px;color:var(--ink);font-weight:700;margin:0}
.info-card span{font-size:13px;color:var(--ink-3);font-family:var(--font-s)}

/* ===== FOOTER ===== */
footer{background:var(--ink);color:#bfbec8;padding:74px 0 30px}
.data-row{font-family:var(--font-m);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:#8d8b9e;margin-bottom:14px}
footer h2{color:#fff;font-size:24px;margin-bottom:8px}
footer h2 em{font-style:italic;color:var(--amber)}
.footer-col h4{font-family:var(--font-s);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:22px;margin-left: 20px;}
.footer-col ul{list-style:none;display:grid;gap:10px}
.footer-col a{font-size:15px;color:#b0aeb8;transition:.2s}
.footer-col a:hover{color:var(--amber)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:44px;margin-bottom:56px;padding-bottom:56px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-desc{font-size:14.5px;color:#9997ab;line-height:1.65;margin-bottom:18px;max-width:320px}
.soc-row{display:flex;gap:10px}
.soc-row a{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#ddd;font-size:16px;transition:.2s}
.soc-row a:hover{background:var(--amber);color:#fff;transform:translateY(-3px)}
.foot-bot{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.foot-bot p{margin:0;font-size:13px;color:#7c7a89}
.foot-bot a{font-size:13px;color:#b0aeb8;text-decoration:underline;text-underline-offset:3px}

/* ===== MODALS ===== */
.modal-content{background:var(--surface);border:1.5px solid var(--line);border-radius:22px}
.modal-header{border-bottom:1.5px solid var(--line);padding:22px 26px}
.modal-header h5{font-family:var(--font-d);font-size:20px;font-weight:700;display:flex;align-items:center;gap:10px}
.modal-header h5 i{color:var(--indigo);font-size:20px}
.modal-body{padding:26px 26px;max-height:460px;overflow-y:auto}
.modal-body::-webkit-scrollbar{width:5px}
.modal-body::-webkit-scrollbar-thumb{background:var(--line);border-radius:3px}
.modal-footer{border-top:1.5px solid var(--line);padding:18px 26px}
.legal-content{font-size:14.5px;line-height:1.7;color:var(--ink-2)}
.legal-content h4{font-family:var(--font-d);font-size:18px;color:var(--ink);margin:24px 0 10px;font-weight:700}
.legal-content h4:first-child{margin-top:0}
.legal-content p{margin-bottom:12px}

/* ===== LEGAL PAGE SPECIFIC ===== */
.legal-page{padding:70px 0}
.legal-page .legal-content{max-width:800px;margin:0 auto}
.legal-toc{
  background:var(--surface);border:1.5px solid var(--line);border-radius:20px;
  padding:28px 32px;margin:0 auto 40px;max-width:800px;
}
.legal-toc h3{font-size:18px;margin-bottom:14px}
.legal-toc ol{padding-left:20px;margin:0}
.legal-toc li{margin-bottom:6px;color:var(--ink-2)}
.legal-toc a{color:var(--indigo)}
.legal-toc a:hover{text-decoration:underline}

/* ===== TEAM / VALUES / STATS ===== */
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;margin-top:32px}
.team-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:24px;
  padding:28px;text-align:center;transition:.3s
}
.team-card:hover{transform:translateY(-4px);border-color:var(--indigo);box-shadow:0 18px 36px rgba(30,35,54,.07)}
.team-card .avatar{
  width:80px;height:80px;border-radius:50%;background:var(--indigo-t);
  display:grid;place-items:center;margin:0 auto 16px;font-size:32px
}
.team-card h4{font-family:var(--font-d);font-size:19px;margin-bottom:4px}
.team-card .role{font-size:13px;color:var(--indigo);font-weight:600;margin-bottom:10px}
.team-card p{font-size:14px;color:var(--ink-2)}

.stats-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;margin-top:40px}
.stat-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:20px;
  padding:28px;text-align:center
}
.stat-card .num{font-family:var(--font-d);font-size:42px;font-weight:800;color:var(--indigo);line-height:1;margin-bottom:6px}
.stat-card .label{font-size:14px;color:var(--ink-2)}

.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px;margin-top:32px}
.value-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:24px;
  padding:30px;transition:.3s
}
.value-card:hover{transform:translateY(-4px);border-color:var(--indigo)}
.value-card .emoji{font-size:36px;margin-bottom:14px}
.value-card h4{font-family:var(--font-d);font-size:20px;margin-bottom:8px}
.value-card p{font-size:14.5px;color:var(--ink-2)}

.benefits-list{list-style:none;display:grid;gap:14px;margin-top:24px}
.benefits-list li{
  display:flex;align-items:flex-start;gap:12px;font-weight:500;color:var(--ink);
  padding:14px 18px;background:var(--surface);border:1.5px solid var(--line);border-radius:14px
}
.benefits-list li i{color:var(--amber);font-size:18px;margin-top:2px;flex-shrink:0}

.form-card{
  background:var(--surface);border:1.5px solid var(--line);border-radius:28px;
  padding:40px;box-shadow:0 20px 50px rgba(30,35,54,.06)
}

.info-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:32px}
.info-box{
  background:var(--surface);border:1.5px solid var(--line);border-radius:20px;
  padding:28px;text-align:center
}
.info-box i{font-size:28px;color:var(--indigo);margin-bottom:12px}
.info-box h4{font-family:var(--font-d);font-size:18px;margin-bottom:6px}
.info-box p{font-size:14.5px;color:var(--ink-2);margin:0}

.map-placeholder{
  background:var(--indigo-t);border-radius:28px;height:320px;
  display:grid;place-items:center;margin-top:32px;border:1.5px solid var(--line)
}
.map-placeholder .emoji{font-size:80px}

/* ===== TOUCH REDUCED MOTION / UTIL ===== */
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

/* ===== RESPONSIVE ===== */
@media(max-width:1080px){
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .about-grid{grid-template-columns:1fr;gap:36px}
  .svc-block{grid-template-columns:1fr;gap:48px;margin-bottom:48px}
  .svc-block.rev .svc-num{left:auto;right:24px}
  .in-grid{grid-template-columns:1fr;gap:48px}
  .in-grid.rev .in-text{order:0}
  .why-grid{grid-template-columns:1fr 1fr}
  .faq-grid{grid-template-columns:1fr;gap:24px}
  .news-card{grid-template-columns:1fr;gap:0}
  .contact-panel{grid-template-columns:1fr}
  .contact-info{border-left:none;border-top:1.5px solid var(--line)}
}
@media(max-width:880px){
  .nav-links{display:none;position:fixed;top:76px;left:16px;right:16px;z-index:98;
    flex-direction:column;align-items:stretch;gap:4px;background:var(--surface);border:1.5px solid var(--line);border-radius:18px;padding:14px;box-shadow:0 24px 60px rgba(10,25,30,.15)
  }
  .nav-links.open{display:flex;animation:fadeDown .3s ease}
  @keyframes fadeDown{from{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:none}}
  .burger{display:flex}
  .t-grid{grid-template-columns:1fr}
  .why-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:36px}
  .f1{right:-5%}.f2{left:-5%}.f3{right:-4%}
}
@media(max-width:620px){
  body{font-size:15.5px}
  .hero{padding:70px 0 60px}
  .section{padding:78px 0}
  .hero-art .art-frame{padding:32px 20px;min-height:360px}
  .svc-block .svc-num{font-size:72px;top:-24px;left:12px}
  .news-card{padding:36px 28px}
  .contact-form-panel{padding:32px 24px}
  .contact-info{padding:32px 24px}
  .page-hero{padding:60px 0 40px}
}