:root{
  --max: 1180px;
  --bg: #0b0b0c;
  --bg2:#121214;
  --panel: #141417;
  --paper: #f5efe6;
  --ink: #f5efe6;
  --text: #f5efe6;
  --muted: rgba(245,239,230,.78);
  --line: rgba(245,239,230,.12);
  --gold: #b8965c;
  --gold2:#d3b27a;
  --shadow: 0 18px 45px rgba(0,0,0,.35);
  --radius: 18px;
  --radius2: 26px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  line-height:1.55;
  color: var(--text);
  background:
    radial-gradient(1200px 700px at 15% -10%, rgba(184,150,92,.18), transparent 60%),
    radial-gradient(900px 600px at 95% 20%, rgba(184,150,92,.10), transparent 55%),
    radial-gradient(900px 600px at 50% 110%, rgba(255,255,255,.06), transparent 50%),
    linear-gradient(180deg, var(--bg), var(--bg2) 45%, #0c0c0e);
  min-height:100vh;
}
a{color:inherit}
.container{max-width:var(--max); margin:0 auto; padding:0 18px}
header{
  position:sticky; top:0; z-index:50;
  background: rgba(10,10,12,.86);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex; align-items:center; justify-content:space-between; gap:16px;
  padding:14px 0;
}
.brand{display:flex; flex-direction:column; gap:2px; text-decoration:none}
.brand strong{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size:20px; letter-spacing:.8px;
}
.brand span{font-size:12px; color:var(--muted)}
.menu{display:flex; gap:10px; align-items:center; flex-wrap:wrap}
.menu a{
  font-size:14px; text-decoration:none;
  padding:9px 10px; border-radius:12px;
  color: rgba(245,239,230,.9);
}
.menu a:hover{background: rgba(245,239,230,.08)}
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:11px 14px;
  border-radius: 14px;
  font-weight:700; text-decoration:none;
  border:1px solid rgba(245,239,230,.14);
  background: rgba(255,255,255,.02);
}
.btn:hover{transform: translateY(-1px); transition: .18s ease; background: rgba(255,255,255,.04)}
.btn.primary{
  border-color: rgba(184,150,92,.55);
  background: linear-gradient(180deg, rgba(184,150,92,.92), rgba(184,150,92,.72));
  color:#1a1207;
  box-shadow: 0 14px 40px rgba(184,150,92,.22);
}
.btn.ghost{
  border-color: rgba(245,239,230,.18);
}
.btn.small{padding:9px 12px; border-radius:12px; font-size:13px}
.hero{
  padding: 44px 0 10px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 22px;
  align-items:stretch;
}
.hero-card{
  border:1px solid var(--line);
  border-radius: var(--radius2);
  background:
    radial-gradient(850px 500px at 25% 0%, rgba(184,150,92,.10), transparent 60%),
    linear-gradient(180deg, rgba(255,255,255,.03), rgba(255,255,255,.015));
  box-shadow: var(--shadow);
  overflow:hidden;
}
.hero-copy{padding: 34px 30px}
.kicker{
  display:inline-flex; gap:10px; align-items:center;
  color: rgba(245,239,230,.86);
  font-size:12px; letter-spacing:.16em; text-transform:uppercase;
}
h1{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  margin: 12px 0 12px;
  font-size: 44px;
  line-height: 1.07;
  letter-spacing: .2px;
}
.lede{margin:0; color: var(--muted); font-size:16px; max-width: 62ch}
.cta-row{display:flex; gap:12px; flex-wrap:wrap; margin-top:18px}
.call-row{display:flex; gap:12px; align-items:center; flex-wrap:wrap; margin-top:12px; color: rgba(245,239,230,.86)}
.call-row a{font-weight:800; text-decoration:none}
.pillbar{
  display:flex; gap:18px; flex-wrap:wrap;
  padding: 14px 18px;
  border-top:1px solid var(--line);
  background: rgba(0,0,0,.14);
}
.pill{display:flex; gap:10px; align-items:center; color: rgba(245,239,230,.85); font-size:13px}
.pill svg{width:18px; height:18px; opacity:.9}
.hero-photo{
  position:relative;
  height:100%;
}
.hero-photo img{
  width:100%; height:100%;
  object-fit: cover;
  display:block;
  filter: contrast(1.03) saturate(1.02);
}
.hero-photo::after{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(90deg, rgba(10,10,12,.82) 0%, rgba(10,10,12,.45) 35%, rgba(10,10,12,.05) 70%);
}
.hero-photo .label{
  position:absolute; bottom:16px; left:16px;
  z-index:2;
  padding:10px 12px;
  border-radius: 14px;
  border:1px solid rgba(245,239,230,.14);
  background: rgba(10,10,12,.55);
  color: rgba(245,239,230,.92);
  font-size:13px;
}
.section{padding: 30px 0}
.section-title{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size: 28px; margin: 0 0 14px;
}
.subtle{color: var(--muted); margin: 0 0 16px; max-width: 70ch}
.grid{
  display:grid;
  grid-template-columns: repeat(12, 1fr);
  gap: 14px;
}
.card{
  grid-column: span 4;
  border:1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  background: rgba(255,255,255,.02);
  box-shadow: 0 10px 24px rgba(0,0,0,.22);
}
.card h3{
  margin: 0 0 8px;
  font-size: 18px;
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  letter-spacing:.2px;
}
.card p{margin:0; color: var(--muted)}
.card .link{margin-top:12px; display:inline-flex; gap:8px; align-items:center; font-weight:800; color: rgba(211,178,122,.95); text-decoration:none}
.card .link:hover{text-decoration:underline}
.card.wide{grid-column: span 7}
.card.narrow{grid-column: span 5}
.split{
  display:grid; grid-template-columns: 1fr 1fr; gap: 14px;
}
.quote{
  border-radius: var(--radius2);
  border: 1px solid rgba(184,150,92,.22);
  background: radial-gradient(900px 500px at 20% 0%, rgba(184,150,92,.14), transparent 55%),
              rgba(255,255,255,.02);
  padding: 24px 22px;
  text-align:center;
  box-shadow: var(--shadow);
}
.quote p{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size: 22px; line-height:1.25;
  margin:0; color: rgba(245,239,230,.92);
}
.form-panel{
  border-radius: var(--radius2);
  border:1px solid var(--line);
  background: rgba(255,255,255,.02);
  padding: 18px;
  box-shadow: var(--shadow);
}
.form-grid{display:grid; grid-template-columns: 1fr 1fr; gap:12px}
label{display:block; font-size:13px; color: rgba(245,239,230,.86); margin-bottom:6px}
input,select,textarea{
  width:100%;
  padding: 12px 12px;
  border-radius: 14px;
  border:1px solid rgba(245,239,230,.16);
  background: rgba(10,10,12,.55);
  color: var(--text);
  outline:none;
}
textarea{min-height: 120px; resize:vertical}
input:focus,select:focus,textarea:focus{border-color: rgba(184,150,92,.6); box-shadow: 0 0 0 4px rgba(184,150,92,.18)}
.form-actions{display:flex; gap:12px; align-items:center; flex-wrap:wrap; margin-top:12px}
.note{font-size:12px; color: rgba(245,239,230,.72)}
footer{
  margin-top: 26px;
  border-top:1px solid var(--line);
  background: rgba(0,0,0,.15);
}
.footer-inner{
  padding: 22px 0;
  display:grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 18px;
  color: rgba(245,239,230,.86);
  font-size:13px;
}
.footer-inner a{color: rgba(245,239,230,.86)}
.footer-title{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size: 16px; letter-spacing:.5px;
}
.footer-cols h4{margin:0 0 10px; font-size:12px; text-transform:uppercase; letter-spacing:.12em; color: rgba(245,239,230,.75)}
.footer-cols ul{margin:0; padding:0; list-style:none; display:grid; gap:8px}
.hr{height:1px; background: var(--line); margin: 14px 0}
.page-hero{
  padding: 34px 0 8px;
}
.page-hero .wrap{
  border:1px solid var(--line);
  border-radius: var(--radius2);
  background: rgba(255,255,255,.02);
  padding: 22px;
  box-shadow: var(--shadow);
}
.page-hero h1{font-size:34px}
.prose{
  color: rgba(245,239,230,.88);
  max-width: 80ch;
}
.prose h2{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  margin: 22px 0 10px;
  font-size: 22px;
}
.prose p{margin: 0 0 12px}
.prose ul{margin: 0 0 12px 18px; color: rgba(245,239,230,.85)}
.badge{
  display:inline-flex; align-items:center; gap:8px;
  padding: 8px 10px;
  border-radius: 999px;
  border:1px solid rgba(184,150,92,.3);
  background: rgba(184,150,92,.10);
  color: rgba(245,239,230,.92);
  font-size:12px;
}
/* ── Hamburger Toggle (injected by JS on mobile only) ── */
.menu-toggle{
  display:block;
  background:none; border:1px solid rgba(245,239,230,.18);
  border-radius:12px; padding:8px;
  color:var(--text); cursor:pointer;
  -webkit-tap-highlight-color:transparent;
}
.menu-toggle svg{width:24px; height:24px; display:block}
.menu-toggle .icon-close{display:none}
.menu-toggle[aria-expanded="true"] .icon-open{display:none}
.menu-toggle[aria-expanded="true"] .icon-close{display:block}

/* ── Tablet ── */
@media (max-width: 980px){
  h1{font-size: 38px}
  .hero-grid{grid-template-columns: 1fr}
  .hero-photo{min-height: 320px}
  .card{grid-column: span 6}
  .card.wide, .card.narrow{grid-column: span 12}
  .split{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr}
  /* About page inline hero grid */
  .page-hero .wrap[style*="grid-template-columns"]{
    grid-template-columns:1fr !important;
  }
}

/* ── Mobile ── */
@media (max-width: 640px){
  .container{padding:0 14px}
  h1{font-size: 28px}
  .hero{padding:24px 0 10px}
  .hero-copy{padding: 22px 16px}
  .lede{font-size:15px}
  .form-grid{grid-template-columns: 1fr}
  .card{grid-column: span 12}
  .card.wide, .card.narrow{grid-column: span 12}
  .section{padding:22px 0}
  .section-title{font-size:24px}
  .quote p{font-size:18px}
  .page-hero h1{font-size:26px}
  .page-hero .wrap{padding:18px 14px}

  /* Hamburger is injected by JS on mobile — just style the menu */
  .nav{flex-wrap:wrap}
  .menu{
    display:none;
    flex-direction:column;
    align-items:stretch;
    width:100%;
    gap:0;
    padding:8px 0 4px;
    border-top:1px solid var(--line);
    margin-top:8px;
  }
  .menu.open{display:flex}
  .menu a{
    padding:14px 12px;
    font-size:16px;
    border-radius:12px;
  }
  .menu a:active{background:rgba(245,239,230,.06)}
  .menu .btn.primary.small{
    margin-top:6px;
    text-align:center;
    padding:14px 16px;
    font-size:15px;
    border-radius:14px;
  }

  /* Hero pillbar stacks */
  .pillbar{flex-direction:column; gap:10px; padding:12px 16px}

  /* CTA buttons full width */
  .cta-row{flex-direction:column}
  .cta-row .btn{width:100%; text-align:center}

  /* Form actions stack */
  .form-actions{flex-direction:column}
  .form-actions .btn{width:100%; text-align:center}

  /* Footer */
  .footer-inner{gap:24px; padding:18px 0}
  .footer-cols ul{gap:10px}
  .footer-cols ul a{padding:4px 0; display:inline-block}

  /* Touch-friendly inputs */
  input, select, textarea{
    padding:14px 12px;
    font-size:16px; /* prevents iOS zoom */
  }

  /* Kicker badges stack */
  .kicker{flex-wrap:wrap; gap:8px}

  /* Call row */
  .call-row{font-size:15px}
  .call-row a{font-size:17px}

  /* Brand smaller on mobile */
  .brand strong{font-size:17px; letter-spacing:.5px}
  .brand span{font-size:11px}

  /* About page hero grid single column */
  .page-hero .wrap[style*="grid-template-columns"]{
    grid-template-columns:1fr !important;
  }
  .page-hero .hero-photo{min-height:220px}

  /* Accepted plans */
  .accepted-plans-logos{flex-direction:column; gap:14px}
}


/* Fade-in (premium subtle) */
.fade-in{
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 900ms ease, transform 900ms ease;
  will-change: opacity, transform;
}
.fade-in.is-visible{
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce){
  .fade-in{ transition: none; transform: none; }
}


/* Accepted Legal Plans (MetLife + ARAG badge) */
.accepted-plans{
  margin: 18px 0 6px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: rgba(255,255,255,.03);
}
.accepted-plans-title{
  font-weight: 700;
  letter-spacing: .02em;
  color: var(--text);
  margin-bottom: 10px;
}
.accepted-plans-logos{
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.accepted-plans-metlife{
  height: 42px;
  width: auto;
  max-width: 260px;
  filter: saturate(1.05);
  opacity: .95;
}
.accepted-plans-arag{
  width: 136px;
  height: auto;
  max-width: 176px;
  border-radius: 12px;
  box-shadow: 0 10px 25px rgba(0,0,0,.25);
  transition: transform .18s ease, opacity .18s ease;
}
.accepted-plans-arag-link:hover .accepted-plans-arag{
  transform: translateY(-2px);
  opacity: .9;
}

@media (max-width: 520px){
  .accepted-plans{
    padding: 12px 12px;
  }
  .accepted-plans-metlife{
    height: 36px;
  }
  .accepted-plans-arag{
    width: 120px;
  }
}