/* New India Assurance Mauritius - site styles (v2 design).
   Clean white canvas, very rounded cards, blue accents, black pill buttons. Font: DM Sans (loaded in base.html). */
:root {
  --gap: 24px;
  --ink: #0e1116; --ink-2: #2a3140; --muted: #5d6676; --blue: #203a72; --blue-dark: #152a58; --blue-soft: #edf0f7;
  --navy: #0f1d3d; --navy-2: #203a72; --soft: #f5f7fa; --soft-2: #eef2f7; --line: #e5e9f0; --card: #fff; --gold: #f2b01e;
  --ok-bg: #e8f5ec; --ok-ink: #14532d; --err-bg: #fdecec; --err-ink: #8a1c1c;
  --r-xl: 36px; --r-lg: 26px; --r: 18px; --r-sm: 12px;
  --shadow: 0 18px 46px rgba(14, 17, 22, .08); --shadow-sm: 0 6px 18px rgba(14, 17, 22, .06);
  --maxw: 1340px;
  --font: "DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  /* aliases used by older markup */
  --paper: #fff; --navy-soft: var(--navy-2); --accent: var(--blue);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font: 400 1.0625rem/1.65 var(--font); color: var(--ink-2); background: #fff; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; }
a { color: var(--blue-dark); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 6px; }
h1, h2, h3, h4 { font-family: var(--font); color: var(--ink); line-height: 1.12; letter-spacing: -.025em; font-weight: 700; text-wrap: balance; }
.wrap { width: min(100% - 2rem, var(--maxw)); margin-inline: auto; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: .6rem 1rem; z-index: 100; border-radius: 0 0 12px 0; }
.skip:focus { left: 0; top: 0; color: #fff; }
.icon { width: 1.25em; height: 1.25em; flex: none; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.icon--fill { fill: currentColor; stroke: none; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; padding: .85rem 1.55rem; border-radius: 999px; font: 600 .98rem var(--font); text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .15s, box-shadow .15s, background .15s, color .15s; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 10px 24px rgba(14, 17, 22, .16); }
.btn--sm { padding: .62rem 1.2rem; font-size: .92rem; }
.btn--block { display: flex; width: 100%; }
.btn--primary, .btn--blue { background: var(--blue); color: #fff; }
.btn--primary:hover, .btn--blue:hover { background: var(--blue-dark); color: #fff; }
.btn--accent, .btn--dark { background: var(--blue); color: #fff; }
.btn--accent:hover, .btn--dark:hover { background: var(--blue-dark); color: #fff; }
.btn--light { background: #fff; color: var(--ink); }
.btn--light:hover { color: var(--ink); }
.btn--outline { border-color: var(--line); color: var(--ink); background: #fff; }
.btn--outline:hover { border-color: var(--ink); color: var(--ink); }
.btn--ghost { border-color: rgba(255, 255, 255, .6); color: #fff; }
.btn--ghost:hover { background: rgba(255, 255, 255, .14); color: #fff; }
.btn-round { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 50%; background: #fff; color: var(--ink); border: 0; cursor: pointer; box-shadow: var(--shadow-sm); transition: transform .15s; }
.btn-round:hover { transform: scale(1.06); color: var(--blue); }

/* ---------- header ---------- */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .9); backdrop-filter: blur(14px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.header.is-stuck { border-color: var(--line); box-shadow: 0 6px 22px rgba(14, 17, 22, .05); }
.header__bar { display: flex; align-items: center; gap: 1.25rem; min-height: 76px; }
.brand { display: flex; align-items: center; gap: .65rem; text-decoration: none; color: var(--ink); }
.brand img { display: block; width: auto; height: 46px; }
.brand__mark { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 14px; background: var(--blue); color: #fff; font: 700 .95rem var(--font); }
.brand__text { font: 700 1.05rem/1.1 var(--font); }
.brand__text small { display: block; font: 600 .7rem var(--font); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.header__tools { display: flex; align-items: center; gap: .8rem; margin-left: auto; }
.lang { display: flex; gap: .2rem; list-style: none; margin: 0; padding: .2rem; background: var(--soft); border-radius: 999px; font-size: .78rem; font-weight: 700; }
.lang a { display: block; padding: .28rem .65rem; border-radius: 999px; text-decoration: none; color: var(--muted); }
.lang a[aria-current] { background: var(--blue); color: #fff; }

.nav { margin-left: auto; margin-right: auto; }
.nav__list { display: flex; gap: .1rem; list-style: none; margin: 0; padding: 0; }
.nav__item { position: relative; }
.nav__item > a { display: block; padding: .6rem .95rem; text-decoration: none; color: var(--ink); font-weight: 600; font-size: .96rem; border-radius: 999px; }
.nav__item > a:hover, .nav__item > a[aria-current] { background: var(--soft); }
.has-sub > a::after { content: ""; display: inline-block; width: .38em; height: .38em; margin: 0 0 .22em .5em; border: solid currentColor; border-width: 0 2px 2px 0; transform: rotate(45deg); transition: transform .2s; }
.has-sub:hover > a::after, .has-sub:focus-within > a::after { transform: rotate(225deg) translate(-2px, -2px); }
.nav__sub, .nav__sub2 { list-style: none; margin: 0; padding: 0; }
.nav__sub { position: absolute; left: -.5rem; top: calc(100% + 8px); min-width: 300px; padding: .55rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--shadow); display: none; animation: navIn .16s ease; }
.nav__sub::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.has-sub:hover > .nav__sub, .has-sub:focus-within > .nav__sub { display: block; }
.nav__sub li { position: relative; }
.nav__sub a { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: .6rem .8rem; text-decoration: none; color: var(--ink); font-size: .93rem; font-weight: 600; border-radius: 12px; }
.nav__sub a:hover { background: var(--soft); }
.nav__sub li > ul { display: none; }
.nav__sub li:hover > .nav__sub2, .nav__sub li:focus-within > .nav__sub2 { display: block; }
.nav__sub li:has(> .nav__sub2) > a::after { content: "\203A"; font-size: 1.25rem; line-height: 1; color: var(--muted); }
.nav__sub2 { position: absolute; left: calc(100% + 6px); top: -.55rem; min-width: 290px; padding: .55rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--shadow); }
.nav__sub2 a { font-weight: 500; font-size: .9rem; }
@keyframes navIn { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.nav-toggle { display: none; margin-left: auto; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 50%; background: #fff; cursor: pointer; position: relative; }
.nav-toggle__bars, .nav-toggle__bars::before, .nav-toggle__bars::after { display: block; width: 18px; height: 2px; background: var(--ink); content: ""; position: absolute; left: 50%; margin-left: -9px; }
.nav-toggle__bars { top: 50%; margin-top: -1px; }
.nav-toggle__bars::before { top: -6px; left: 0; margin: 0; }
.nav-toggle__bars::after { top: 6px; left: 0; margin: 0; }
.nav__sub-toggle { display: none; }

/* ---------- home hero (video) ---------- */
.hero { padding: .4rem 0 0; }
.hero-card { position: relative; isolation: isolate; border-radius: var(--r-xl); min-height: clamp(560px, 78vh, 700px); display: flex; align-items: center; background: var(--navy); border-bottom-right-radius: 0; }
.hero-video { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; border-radius: inherit; }  /* rounded here, not by clipping the card: clipping left hairlines around the corner tab */
.hero-card::after { content: ""; position: absolute; inset: 0; z-index: -1; border-radius: inherit; background: linear-gradient(95deg, rgba(10, 22, 48, .82) 0%, rgba(10, 22, 48, .64) 38%, rgba(10, 22, 48, .14) 68%, rgba(10, 22, 48, 0) 84%); }
.hero-steps { position: absolute; left: clamp(1rem, 2.4vw, 2.2rem); top: 50%; transform: translateY(-50%); display: flex; flex-direction: column; align-items: center; gap: 0; z-index: 2; }
.hero-steps button { position: relative; width: 38px; height: 38px; border-radius: 50%; border: 1.5px solid rgba(255, 255, 255, .7); background: rgba(10, 22, 48, .25); color: #fff; font: 600 .85rem var(--font); cursor: pointer; transition: background .25s, color .25s, border-color .25s; backdrop-filter: blur(4px); }
.hero-steps button + button { margin-top: 34px; }
.hero-steps button + button::before { content: ""; position: absolute; left: 50%; top: -34px; width: 1.5px; height: 34px; background: rgba(255, 255, 255, .55); }
.hero-steps button.is-active { background: #fff; border-color: #fff; color: var(--ink); box-shadow: 0 4px 14px rgba(0, 0, 0, .25); }
.hero-slides { display: grid; width: 100%; padding: 2.5rem clamp(1.2rem, 5vw, 4.5rem) 4rem clamp(4.4rem, 8vw, 8rem); }
.hero-slide { grid-area: 1 / 1; align-self: center; max-width: 680px; opacity: 0; visibility: hidden; transform: translateY(14px); transition: opacity .7s, transform .7s, visibility .7s; }
.hero-slide.is-active { opacity: 1; visibility: visible; transform: none; }
.hero-eyebrow { display: block; margin: 0 0 1rem; font: 600 .8rem var(--font); letter-spacing: .14em; text-transform: uppercase; color: #cfdaf4; }
/* the three slides share the same sizes so the text block never jumps while the single video keeps playing */
.hero-slide h1, .hero-title { margin: 0 0 1.1rem; min-height: 2.12em; font: 700 clamp(2.2rem, 4.8vw, 4rem)/1.06 var(--font); letter-spacing: -.03em; color: #fff; text-shadow: 0 2px 24px rgba(0, 0, 0, .25); }
.hero-desc { margin: 0 0 1.7rem; min-height: 3.3em; max-width: 520px; font-size: 1.15rem; line-height: 1.6; color: #e8eefb; text-shadow: 0 1px 14px rgba(0, 0, 0, .3); }
.hero-cta { display: flex; align-items: center; gap: .9rem; flex-wrap: wrap; }
.hero .btn--primary { background: #fff; color: var(--blue); }
.hero .btn--primary:hover { background: var(--blue-soft); color: var(--blue-dark); }
.hero-notch { position: absolute; right: -2px; bottom: -2px; width: min(430px, 46%); padding: 1.15rem 1.4rem 1.4rem 1.6rem; background: #fff; border-top-left-radius: 34px; z-index: 2; box-shadow: 2px 2px 0 #fff, -1px 0 0 #fff; }
.hero-notch::before, .hero-notch::after { content: ""; position: absolute; width: 34px; height: 34px; background: radial-gradient(circle at 0 0, transparent 33.5px, #fff 34px); }
.hero-notch::before { left: -34px; bottom: 0; }
.hero-notch::after { right: 0; top: -34px; }
.hero-notch__top { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-bottom: .9rem; font: 600 1.05rem var(--font); }
.hero-notch__top a { display: inline-flex; align-items: center; gap: .6rem; color: var(--ink); text-decoration: none; }
.hero-notch__card { display: flex; align-items: center; gap: .9rem; padding: .8rem; border-radius: 22px; background: var(--soft); text-decoration: none; }
.hero-notch__thumbs { display: flex; flex: none; }
.hero-notch__thumbs img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; margin-left: -10px; }
.hero-notch__thumbs img:first-child { margin-left: 0; }
.hero-notch__card strong { display: block; color: var(--ink); font-size: .92rem; line-height: 1.2; }
.hero-notch__card span { display: block; font-size: .78rem; line-height: 1.35; color: var(--muted); }

/* ---------- trust strip ---------- */
.trust { display: flex; align-items: center; gap: 1.2rem 2.4rem; flex-wrap: wrap; padding: 2.2rem 0 .6rem; }
.follow { display: inline-flex; align-items: center; gap: .7rem; padding: .45rem .5rem .45rem 1.1rem; border: 1px solid var(--line); border-radius: 999px; font-size: .88rem; font-weight: 600; color: var(--muted); }
.follow a { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; color: var(--ink); background: var(--soft); text-decoration: none; }
.follow a:hover { background: var(--blue); color: #fff; }
.follow .icon { width: 15px; height: 15px; }
.trust__items { display: flex; flex: 1; justify-content: space-between; gap: 1.4rem 2rem; flex-wrap: wrap; }
.trust__item { display: flex; align-items: center; gap: .65rem; color: #98a1b0; font-weight: 700; font-size: 1.15rem; letter-spacing: -.01em; white-space: nowrap; }
.trust__item .icon { width: 1.5em; height: 1.5em; }
.trust__item small { display: block; font-size: .7rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }

/* ---------- sections ---------- */
.section { padding: clamp(3rem, 7vw, 5.5rem) 0; }
.section--tight { padding: clamp(1.5rem, 3vw, 2.5rem) 0; }
.section__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 1.5rem; margin-bottom: 1.8rem; }
.section__title { margin: 0; font-size: clamp(1.9rem, 4vw, 2.7rem); }
.section__sub { margin: .5rem 0 0; color: var(--muted); font-size: 1rem; max-width: 560px; }
.section__head--center { flex-direction: column; align-items: center; text-align: center; gap: .2rem; }
.arrows { display: flex; gap: .6rem; }
.arrow { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--line); background: var(--soft); color: var(--ink); cursor: pointer; transition: background .15s, color .15s; }
.arrow:hover, .arrow--dark { background: var(--blue); color: #fff; border-color: var(--blue); }
.arrow--dark:hover { background: var(--blue-dark); border-color: var(--blue-dark); }
.arrow .icon { width: 18px; height: 18px; }

/* product cards */
.pcards { display: grid; grid-auto-flow: column; grid-auto-columns: calc((100% - 3rem) / 3); gap: 1.5rem; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding-bottom: .4rem; }
.pcards::-webkit-scrollbar { display: none; }
.pcard { scroll-snap-align: start; display: block; text-decoration: none; color: var(--ink); }
.pcard__img { display: block; position: relative; overflow: hidden; border-radius: 24px; aspect-ratio: 4 / 3; background: var(--soft-2); }
.pcard__img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s ease; }
.pcard:hover .pcard__img img { transform: scale(1.06); }
.pcard__body { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .9rem .4rem 0; }
.pcard__title { margin: 0; font-size: 1.15rem; line-height: 1.2; color: var(--ink); }
.pcard__meta { display: flex; align-items: center; gap: .35rem; margin: .25rem 0 0; font-size: .8rem; color: var(--muted); }
.pcard__meta .icon { width: 14px; height: 14px; }
.pill { display: inline-flex; align-items: center; gap: .3rem; padding: .35rem .8rem; border-radius: 999px; background: var(--blue); color: #fff; font-size: .8rem; font-weight: 700; white-space: nowrap; }

/* steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); align-items: end; gap: 0; max-width: 1000px; margin: 0 auto; }
.step { position: relative; display: flex; flex-direction: column; justify-content: flex-end; gap: .7rem; min-height: 250px; padding: 2rem 1.9rem; background: var(--soft); border-radius: var(--r-lg); }
.step:first-child { border-top-right-radius: 0; border-bottom-right-radius: 0; }
.step:last-child { border-top-left-radius: 0; border-bottom-left-radius: 0; }
.step__icon { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; background: #fff; color: var(--blue); box-shadow: var(--shadow-sm); margin-bottom: auto; }
.step h3 { margin: 0; font-size: 1.3rem; }
.step p { margin: 0; color: var(--muted); font-size: .95rem; }
.step--hot { min-height: 330px; background: var(--blue); color: #e8f1ff; border-radius: var(--r-lg) !important; overflow: hidden; z-index: 1; }
.step--hot h3, .step--hot .step__link { color: #fff; }
.step--hot p { color: #dbe8ff; }
.step--hot .step__icon { background: rgba(255, 255, 255, .18); color: #fff; box-shadow: none; }
.step--hot::after { content: ""; position: absolute; right: -40px; top: -40px; width: 170px; height: 170px; border-radius: 50%; background: var(--step-img, none) center / cover, rgba(255, 255, 255, .15); border: 6px solid var(--blue); }
.step__link { display: inline-flex; align-items: center; gap: .4rem; margin-top: .4rem; font-weight: 700; font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; text-decoration: none; }

/* big headline */
.bigline { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 2rem 3rem; align-items: stretch; }
.bigline__media { display: flex; flex-direction: column; gap: 1rem; }
.bigline__photo { flex: 1 1 auto; min-height: 340px; border-radius: 30px; overflow: hidden; }  /* grows with the text beside it, so neither side has empty space */
.bigline__photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.bigline__stat { display: flex; align-items: center; gap: 1rem; padding: 1.1rem 1.4rem; border-radius: 22px; background: var(--soft); }
.bigline__stat strong { font-size: 2.4rem; line-height: 1; letter-spacing: -.03em; color: var(--blue); }
.bigline__stat span { font-size: .92rem; color: var(--muted); line-height: 1.35; }
.bigline__text { align-self: center; }
.bigline__title { margin: 0 0 1.2rem; font-size: clamp(1.9rem, 4vw, 2.7rem); line-height: 1.12; letter-spacing: -.025em; font-weight: 700; }  /* same as every other section title */
.bigline__title em { font-style: normal; color: inherit; }
.bigline__cols { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 2rem; margin-bottom: 1.6rem; font-size: .95rem; color: var(--muted); }
.bigline__cols p { margin: 0; }
.bigline__intro p { margin: 0 0 1.1rem; }
.bigline__points { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; margin: 0 0 1.6rem; padding: 0; list-style: none; }
.bigline__points li { display: flex; align-items: center; gap: .85rem; padding: 1.05rem 1.15rem; border-radius: 20px; background: var(--soft); }
.point__icon { flex: none; display: grid; place-items: center; width: 42px; height: 42px; border-radius: 14px; background: #fff; color: var(--blue); box-shadow: var(--shadow-sm); }
.bigline__points strong { display: block; margin: 0; color: var(--ink); font-size: .98rem; line-height: 1.25; }
.bigline__points p { margin: 0; color: var(--muted); font-size: .88rem; line-height: 1.5; }
.bigline__btns { display: flex; flex-wrap: wrap; gap: .8rem; }
.banner-cta { display: flex; align-items: center; justify-content: center; gap: .8rem; min-height: 96px; margin-top: 1rem; border-radius: 30px; background: linear-gradient(rgba(255, 255, 255, .55), rgba(255, 255, 255, .55)), var(--cta-img) center / cover; color: var(--ink); font-size: clamp(1.2rem, 2.6vw, 1.7rem); font-weight: 700; text-decoration: none; letter-spacing: -.01em; transition: transform .2s; }
.banner-cta:hover { transform: translateY(-2px); color: var(--blue-dark); }

/* why us */
.why { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.why__card { padding: 1.7rem 1.5rem; border-radius: var(--r-lg); background: var(--soft); transition: transform .2s, box-shadow .2s; }
.why__card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.why__icon { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 1.4rem; border-radius: 16px; background: var(--blue-soft); color: var(--blue); }
.why__icon .icon { width: 26px; height: 26px; }
.why__num { display: block; margin-bottom: .2rem; font-size: 2.4rem; line-height: 1.05; font-weight: 800; letter-spacing: -.03em; color: var(--ink); }
.why__card h3 { margin: 0 0 .5rem; font-size: 1.1rem; }
.why__card p { margin: 0; font-size: .93rem; color: var(--muted); }

/* dark claims band */
.band { position: relative; overflow: hidden; border-radius: var(--r-xl); padding: clamp(1.8rem, 5vw, 4rem); color: #cfdcf3; background: radial-gradient(700px 320px at 95% 0%, rgba(110, 140, 220, .42), transparent 65%), linear-gradient(135deg, var(--navy), var(--navy-2)); display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 2.5rem; align-items: center; }
.band h2 { margin: 0 0 .9rem; color: #fff; font-size: clamp(1.8rem, 3.6vw, 2.6rem); }
.band p { margin: 0 0 1.4rem; max-width: 520px; }
.band__steps { list-style: none; margin: 0 0 1.8rem; padding: 0; display: grid; gap: .8rem; counter-reset: s; }
.band__steps li { position: relative; padding-left: 3rem; color: #e8f0ff; font-weight: 500; counter-increment: s; }
.band__steps li::before { content: counter(s); position: absolute; left: 0; top: -.1rem; display: grid; place-items: center; width: 2.05rem; height: 2.05rem; border-radius: 50%; background: rgba(255, 255, 255, .14); color: #fff; font-weight: 700; font-size: .9rem; }
.band__btns { display: flex; flex-wrap: wrap; gap: .7rem; }
.band__card { padding: 1.7rem; border-radius: var(--r-lg); background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); backdrop-filter: blur(6px); }
.band__card h3 { margin: 0 0 .3rem; color: #fff; font-size: 1.1rem; }
.band__card .hotline { display: block; margin: .3rem 0 .2rem; font-size: clamp(2.2rem, 5vw, 3.2rem); font-weight: 800; letter-spacing: -.03em; color: #fff; text-decoration: none; line-height: 1.1; }
.band__card small { color: #aebfe0; }
.band__card hr { border: 0; border-top: 1px solid rgba(255, 255, 255, .16); margin: 1.2rem 0; }
.band__card a { color: #fff; }

/* agents */
.agents { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 2rem; align-items: center; padding: clamp(1.8rem, 4vw, 3.2rem); border-radius: var(--r-xl); background: var(--soft); }
.agents h2 { margin: 0 0 .8rem; font-size: clamp(1.7rem, 3.4vw, 2.4rem); }
.agents p { margin: 0 0 1.4rem; color: var(--muted); }
.agents__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.agents__stats div { padding: 1.4rem; border-radius: 22px; background: #fff; box-shadow: var(--shadow-sm); }
.agents__stats strong { display: block; font-size: 2.6rem; line-height: 1; font-weight: 800; letter-spacing: -.03em; color: var(--blue); }
.agents__stats span { font-size: .9rem; color: var(--muted); }

/* FAQ */
.faq-wrap { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: 2.5rem; align-items: start; }
.faq-wrap h2 { margin: 0 0 .8rem; font-size: clamp(1.9rem, 4vw, 2.7rem); }
.faq-wrap > div > p { color: var(--muted); }
.faq details { background: var(--soft); border-radius: 20px; margin-bottom: .7rem; transition: background .2s; }
.faq details[open] { background: #fff; box-shadow: var(--shadow-sm); outline: 1px solid var(--line); }
.faq summary { cursor: pointer; padding: 1.1rem 1.4rem; font-weight: 700; color: var(--ink); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: #fff; color: var(--ink); font-size: 1.3rem; font-weight: 500; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; background: var(--blue); color: #fff; }
.faq details > div { padding: 0 1.4rem 1.3rem; color: var(--muted); }
.faq details > div p { margin: 0 0 .6rem; }

/* final CTA */
.cta-card { position: relative; overflow: hidden; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.5rem; padding: clamp(1.8rem, 5vw, 3.5rem); border-radius: var(--r-xl); color: #fff; background: radial-gradient(520px 260px at 100% 0%, rgba(255, 255, 255, .22), transparent 60%), var(--blue); }
.cta-card h2 { margin: 0 0 .4rem; color: #fff; font-size: clamp(1.7rem, 3.6vw, 2.5rem); }
.cta-card p { margin: 0; color: #e0ecff; }
.cta-card .cta__buttons { display: flex; gap: .8rem; flex-wrap: wrap; }

/* ---------- footer (rounded card with a top-right notch, like the hero) ---------- */
.footer-wrap { width: min(100% - 2rem, var(--maxw)); margin: clamp(3rem, 6vw, 5rem) auto 1rem; }
.footer { position: relative; isolation: isolate; border-radius: var(--r-xl) 0 var(--r-xl) var(--r-xl); color: #c3cfe8; padding: clamp(3rem, 4.6vw, 3.8rem) clamp(1.6rem, 4.6vw, 4.4rem) 0;
  background: radial-gradient(760px 340px at 100% 0%, rgba(120, 150, 235, .3), transparent 62%), linear-gradient(135deg, var(--navy), var(--navy-2)); }
.footer a { color: #fff; text-decoration: none; }
.footer a:hover { text-decoration: underline; }
.footer-notch { position: absolute; right: 0; top: 0; display: flex; align-items: center; gap: 1rem; padding: .95rem 1.1rem .95rem 1.6rem; background: #fff; border-bottom-left-radius: 34px; z-index: 2; }
.footer-notch::before, .footer-notch::after { content: ""; position: absolute; width: 34px; height: 34px; background: radial-gradient(circle at 0 100%, transparent 33.5px, #fff 34px); }
.footer-notch::before { left: -34px; top: 0; }
.footer-notch::after { right: 0; bottom: -34px; }
.footer .footer-notch__link { display: inline-flex; align-items: center; gap: .55rem; color: var(--ink); font: 600 1rem var(--font); }
.footer .footer-notch__link:hover { color: var(--blue); text-decoration: none; }
.footer .btn-round { background: var(--blue); color: #fff; width: 46px; height: 46px; }
.footer .btn-round:hover { background: var(--blue-dark); color: #fff; text-decoration: none; }
.footer__grid { display: grid; grid-template-columns: 1fr .78fr 1.9fr 1.25fr; gap: 2.4rem clamp(1.6rem, 3vw, 3rem); padding-bottom: clamp(2rem, 3vw, 2.6rem); align-items: start; }
.footer__title { margin: 0 0 1rem; font: 700 1.05rem var(--font); color: #fff; }
.footer__brand .footer__title { margin: 1rem 0 .4rem; font-size: 1rem; }
.footer__tag { margin: 0 0 1.1rem; color: #aab9d9; max-width: 260px; line-height: 1.55; font-size: .95rem; }
.footer address { font-style: normal; line-height: 1.75; }
.footer address .footer__line { display: block; margin-top: .45rem; }
.footer ul { list-style: none; margin: 0; padding: 0; }
.footer li { margin: 0 0 .6rem; font-size: .96rem; break-inside: avoid; }
.footer__products ul { columns: 2; column-gap: 2rem; }
.footer__contact { padding-top: 1.7rem; }  /* sits below the notch in the top-right corner */
.footer__badge { display: block; width: 96px; height: 96px; border-radius: 50%; background: #fff; }
.footer__social { display: flex; gap: .6rem; margin: 0; }
.footer__social a { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: rgba(255, 255, 255, .12); }
.footer__social a:hover { background: #fff; color: var(--blue); text-decoration: none; }
.footer__legal { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .6rem 2rem; padding: 1.2rem 0 1.5rem; border-top: 1px solid rgba(255, 255, 255, .14); font-size: .85rem; }

/* ---------- inner pages: breadcrumb + builder sections ---------- */
.crumbs ol { display: flex; flex-wrap: wrap; gap: .4rem; list-style: none; margin: 0; padding: 0; font-size: .85rem; color: var(--muted); }
.crumbs li + li::before { content: "/"; margin-right: .4rem; color: #b6bdc9; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--ink); }
.crumbs--bar { padding: .8rem 0 .2rem; }
.pb { padding: 44px 0; }
.pb--white { background: #fff; }
.pb--white:has(+ .pb--grey) { padding-bottom: 8px; }
.pb--grey { background: var(--soft); width: min(100% - 2rem, var(--maxw)); margin-inline: auto; border-radius: var(--r-xl); padding: 52px 0; }
.pb__inner { width: min(100% - 2rem, var(--maxw)); margin-inline: auto; }
.pb--grey .pb__inner { width: min(100% - 3rem, calc(var(--maxw) - 4rem)); }
.pb h2, .pb h3 { color: var(--ink); }
.pb h2 { font-size: clamp(1.7rem, 3.2vw, 2.3rem); margin: 0 0 1rem; }
.pb h3 { font-size: 1.4rem; margin: 1.2rem 0 .7rem; }
.pb h4, .pb h5 { color: var(--ink); }
.pb .hx--3, .prose .hx--3 { font-size: 1.4rem; margin: 1.2rem 0 .7rem; }
.pb .hx--4, .pb .hx--5 { font-size: 1.1rem; }
.pb p { margin: 0 0 1rem; }
.pb ul, .pb ol { padding-left: 1.3rem; }
.pb li { margin: .3rem 0; }
.pb li::marker { color: var(--blue); }
.pb a:not(.btn):not(.tile) { color: var(--blue-dark); }
.pb__cols { display: grid; gap: var(--gap); grid-template-columns: repeat(var(--n, 2), minmax(0, 1fr)); align-items: stretch; }
.pb__cols--1 { --n: 1; } .pb__cols--2 { --n: 2; } .pb__cols--3 { --n: 3; } .pb__cols--4 { --n: 4; }
.pb__col > :first-child { margin-top: 0; }
.pb__cols > .pb__col:has(> .pb-img:first-child) { background: #fff; padding: 0 1.7rem 1.5rem; border-radius: var(--r-lg); box-shadow: var(--shadow-sm); border: 1px solid var(--line); overflow: hidden; }
.pb--grey .pb__cols > .pb__col { background: #fff; padding: 0 1.7rem 1.5rem; border-radius: var(--r-lg); box-shadow: var(--shadow-sm); }
.pb--grey .pb__cols > .pb__col:not(:has(> .pb-img:first-child)) { padding-top: 1.6rem; }
.pb-img { display: block; width: 100%; height: auto; margin: 0 0 1.1rem; }
.pb__col > .pb-img:first-child { width: calc(100% + 3.4rem); max-width: none; margin: 0 -1.7rem 1.2rem; }
.pb__col:not(:has(> .pb-img:first-child)) > .pb-img:first-child { width: 100%; margin: 0 0 1rem; border-radius: var(--r); }
.pb__title { text-align: center; margin: 0 auto 2rem; max-width: 760px; }
.pb__title p { color: var(--muted); }
/* banner = rounded hero card */
.pb--banner { position: relative; isolation: isolate; overflow: hidden; width: min(100% - 2rem, var(--maxw)); margin: .6rem auto 0; min-height: 360px; display: flex; align-items: center; padding: 70px 0; border-radius: var(--r-xl); color: #fff; background: var(--pb-bg) 50% 30% / cover no-repeat; }
.pb--banner::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(8, 22, 52, .88) 8%, rgba(8, 22, 52, .55) 52%, rgba(8, 22, 52, .12) 100%); }
.pb--banner .pb__inner { width: 100%; padding-inline: clamp(1.4rem, 5vw, 4rem); }
.pb--banner h1 { margin: 0 0 .9rem; color: #fff; font-size: clamp(2.2rem, 5.4vw, 3.9rem); line-height: 1.04; letter-spacing: -.035em; }
.pb--banner .pb__sub { margin: 0; max-width: 640px; color: #dce8fb; font: 600 .9rem/1.55 var(--font); letter-spacing: .06em; text-transform: uppercase; }
.pb--banner .pb__col { max-width: 760px; }
/* tiles in content (category pages) */
.tiles { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: var(--gap); }
.tiles--grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.tile { position: relative; display: block; aspect-ratio: 4 / 3; min-height: 0; overflow: hidden; border-radius: 24px; background: var(--navy); color: #fff; text-decoration: none; box-shadow: var(--shadow-sm); }
.tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.tile::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(8, 22, 52, .85) 0%, rgba(8, 22, 52, .12) 65%); }
.tile:hover img { transform: scale(1.07); }
.tile__body { position: absolute; inset: 0; z-index: 1; padding: 1.2rem 1.3rem; display: flex; flex-direction: column; justify-content: flex-end; gap: .15rem; }
.tile__body strong { font: 700 1.2rem/1.2 var(--font); color: #fff; }
.tile__body small { color: #dbe8f6; font-weight: 600; }
.tile__more { font-size: .85rem; font-weight: 700; color: #fff; opacity: .9; }
.pb .tile strong { text-transform: none; font-size: 1.2rem; }
/* buttons, stats, tabs, accordion, map */
.pb-btns { display: flex; flex-wrap: wrap; gap: .7rem; }
.pb-stat { text-align: center; padding: 1.2rem; border-radius: var(--r-lg); background: #fff; }
.pb-stat strong { display: block; font-size: clamp(3rem, 7vw, 4.4rem); line-height: 1; font-weight: 800; letter-spacing: -.03em; color: var(--blue); }
.pb-stat span { color: var(--muted); font-weight: 600; }
.pb-map { display: block; width: 100%; height: 400px; border: 0; border-radius: var(--r-lg); }
.pb-tabs__nav { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.5rem; }
.pb-tabs__nav button { padding: .65rem 1.2rem; border: 1px solid var(--line); border-radius: 999px; background: #fff; font: 600 .93rem var(--font); color: var(--ink-2); cursor: pointer; transition: all .15s; }
.pb-tabs__nav button:hover { border-color: var(--ink); }
.pb-tabs__nav button[aria-selected="true"] { background: var(--blue); border-color: var(--blue); color: #fff; }
.pb-tabs__pane[hidden] { display: none; }
.pb-accs { display: grid; gap: .7rem; }
.pb-acc { background: #fff; border: 1px solid var(--line); border-radius: 20px; }
.pb-acc summary { cursor: pointer; padding: 1.05rem 1.3rem; font-weight: 700; color: var(--ink); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.pb-acc summary::-webkit-details-marker { display: none; }
.pb-acc summary::after { content: "+"; flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--soft); font-size: 1.3rem; font-weight: 500; line-height: 1; }
.pb-acc[open] summary::after { content: "\2212"; background: var(--blue); color: #fff; }
.pb-acc > div { padding: 0 1.3rem 1.2rem; }
.prose.prose--wide, .pb__inner.prose { max-width: none; }

/* ---------- generic content (Downloads page) ---------- */
.pagehead { padding: 2.2rem 0 1.4rem; }
.pagehead h1 { margin: .5rem 0 0; font-size: clamp(2.1rem, 5vw, 3.2rem); }
.pagehead__lead { color: var(--muted); max-width: 680px; font-size: 1.1rem; }
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 2.5rem; padding: 1.5rem 0 4rem; align-items: start; }
.prose { max-width: 780px; }
.prose h2 { margin-top: 2.2rem; font-size: 1.7rem; }
.prose h3 { margin-top: 1.6rem; font-size: 1.3rem; }
.prose ul, .prose ol { padding-left: 1.2rem; }
.prose img { max-width: 100%; height: auto; border-radius: var(--r); }
.prose img.hero-img { width: 100%; margin-bottom: 1.4rem; }
.downloads { list-style: none; padding: 0; display: grid; gap: .7rem; }
.downloads a { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1rem 1.3rem; border-radius: 18px; background: var(--soft); color: var(--ink); font-weight: 700; text-decoration: none; }
.downloads a::after { content: "\2193"; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--blue); color: #fff; }
.downloads a:hover { background: var(--blue-soft); }
.table-wrap { overflow-x: auto; margin: 1rem 0; border: 1px solid var(--line); border-radius: var(--r); }
table { border-collapse: collapse; width: 100%; font-size: .95rem; }
th, td { text-align: left; padding: .7rem .9rem; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--soft); font-weight: 700; color: var(--ink); }
.aside { position: sticky; top: 100px; }
.aside__box { padding: 1.5rem; background: var(--soft); border-radius: var(--r-lg); }
.aside__box h2 { margin: 0 0 .6rem; font-size: 1.25rem; }
.aside__addr { color: var(--muted); font-size: .9rem; }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: var(--gap); }
.cards--tight { margin: 1.5rem 0; }
.card { display: flex; flex-direction: column; gap: .5rem; padding: 1.4rem; background: var(--soft); border-radius: var(--r-lg); text-decoration: none; color: var(--ink); }
.card h3 { margin: 0; font-size: 1.2rem; }
.card p { margin: 0; color: var(--muted); font-size: .95rem; }
.card__more { margin-top: auto; padding-top: .6rem; font-weight: 700; font-size: .9rem; color: var(--blue-dark); }

/* ---------- forms ---------- */
.formbox { padding: 2rem; background: #fff; border-radius: var(--r-xl); box-shadow: var(--shadow); border: 1px solid var(--line); }
.formbox h2 { margin: 0 0 1.2rem; font-size: 1.8rem; }
.formbox--wide { max-width: 900px; margin-inline: auto; }
.form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem 1.3rem; margin-bottom: 1.4rem; }
.field--full { grid-column: 1 / -1; }
.field label { display: block; margin-bottom: .4rem; font-weight: 600; font-size: .92rem; color: var(--ink); }
.field abbr { color: #d33; text-decoration: none; }
.input, select.input, textarea.input { width: 100%; padding: .85rem 1.05rem; border: 1.5px solid var(--line); border-radius: 14px; font: inherit; color: var(--ink); background: #fff; transition: border-color .15s, box-shadow .15s; }
.input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(32, 58, 114, .16); }
.field--check label { display: flex; gap: .65rem; align-items: flex-start; font-weight: 500; }
.field--check input { margin-top: .3rem; width: 1.1rem; height: 1.1rem; accent-color: var(--blue); }
.field__error { margin: .3rem 0 0; color: var(--err-ink); font-size: .85rem; font-weight: 600; }
.field--group { border: 0; padding: 0; margin: 0; min-width: 0; }
.field--group legend { padding: 0; margin-bottom: .5rem; font-weight: 700; font-size: .95rem; color: var(--ink); }
.field__choices { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: .5rem 1rem; }
.field__choices label { display: flex; gap: .55rem; align-items: center; margin: 0; font-weight: 500; }
.field__choices input { width: 1.05rem; height: 1.05rem; accent-color: var(--blue); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.alert { padding: 1rem 1.3rem; border-radius: 16px; margin: 1rem 0; }
.alert--ok { background: var(--ok-bg); color: var(--ok-ink); }
.alert--error { background: var(--err-bg); color: var(--err-ink); }

/* ---------- intermediaries directory ---------- */
.dir__filters { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: .8rem; margin-bottom: .8rem; }
.dir__count { margin: 0 0 1rem; color: var(--muted); font-weight: 600; }
.dir__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 330px), 1fr)); gap: var(--gap); }
.dir__card { display: flex; flex-direction: column; gap: .75rem; padding: 1.4rem 1.5rem; background: #fff; border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow-sm); transition: transform .15s, box-shadow .15s, border-color .15s; }
.dir__card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--blue); }
.dir__card[hidden] { display: none; }
.dir__top { display: flex; align-items: center; justify-content: space-between; gap: .6rem; }
.dir__tag { padding: .28rem .75rem; border-radius: 999px; background: var(--blue-soft); color: var(--blue); font-size: .72rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; }
.dir__code { flex: none; white-space: nowrap; color: var(--muted); font-size: .8rem; font-weight: 600; }
.dir__name { color: var(--ink); font-size: 1.12rem; line-height: 1.25; }
.dir__row { display: flex; align-items: flex-start; gap: .7rem; margin: 0; color: var(--ink-2); font-size: .94rem; line-height: 1.5; }
.dir__row .icon { flex: none; width: 18px; height: 18px; margin-top: .18rem; color: var(--blue); }
.dir__row a { color: inherit; overflow-wrap: anywhere; }

/* ---------- motion ---------- */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
.js .reveal.is-in { opacity: 1; transform: none; }
.js .reveal--d1 { transition-delay: .08s; } .js .reveal--d2 { transition-delay: .16s; } .js .reveal--d3 { transition-delay: .24s; }

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .pcards { grid-auto-columns: calc((100% - 1.5rem) / 2); }
  .why { grid-template-columns: repeat(2, 1fr); }
  .band, .agents, .faq-wrap, .bigline { grid-template-columns: 1fr; }
  .bigline__photo { aspect-ratio: 16 / 10; flex: none; min-height: 0; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__contact { padding-top: 0; }
}
@media (max-width: 960px) {
  .tiles--grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .layout { grid-template-columns: 1fr; }
  .aside { position: static; }
  .form__grid, .dir__filters { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .header__bar { flex-wrap: wrap; min-height: 68px; padding-block: .6rem; }
  .brand img { height: 40px; }
  .nav { order: 5; width: 100%; margin: 0; }
  .js .nav { display: none; }
  .js .nav.is-open { display: block; max-height: calc(100vh - 90px); overflow-y: auto; padding-bottom: 1rem; }
  .nav__list { flex-direction: column; gap: 0; }
  .nav__item { border-top: 1px solid var(--line); }
  .nav__item > a { padding: .9rem .4rem; border-radius: 0; font-size: 1.02rem; }
  .nav__item > a:hover, .nav__item > a[aria-current] { background: none; color: var(--blue-dark); }
  .has-sub > a::after { display: none; }
  /* phone header: logo, language switch right after it, menu button at the far right; "Get a quote" appears at the bottom of the opened menu */
  .header__tools { display: contents; }
  .header__bar { gap: .6rem; }
  .brand { order: 1; }
  .lang { order: 2; margin-left: .35rem; }
  .lang a { padding: .3rem .55rem; }
  @media (max-width: 400px) { .brand img { height: 34px; } .lang a { padding: .28rem .45rem; } .lang { margin-left: 0; } }
  .nav-toggle { order: 3; }
  .header__tools .btn { order: 6; width: 100%; margin-top: .4rem; }
  .js .header__tools .btn { display: none; }
  .js .header.is-menu-open .header__tools .btn { display: inline-flex; }
  .js .has-sub { display: grid; grid-template-columns: 1fr 48px; align-items: center; }
  .js .has-sub > ul { grid-column: 1 / -1; }
  .nav__sub-toggle { display: grid; place-items: center; width: 44px; height: 44px; border: 0; background: none; cursor: pointer; color: var(--ink); }
  .nav__sub-toggle::before { content: ""; width: .55em; height: .55em; border: solid currentColor; border-width: 0 2px 2px 0; transform: rotate(45deg); transition: transform .2s; }
  .nav__sub-toggle[aria-expanded="true"]::before { transform: rotate(225deg); }
  .js .nav__sub, .js .nav__sub2 { display: none !important; }
  .js li.is-open > .nav__sub, .js li.is-open > .nav__sub2 { display: block !important; }
  .nav__sub, .nav__sub2 { position: static; min-width: 0 !important; margin: 0 0 .5rem; padding: 0 0 0 .8rem; border: 0; border-left: 2px solid var(--line); border-radius: 0; box-shadow: none; background: transparent; animation: none; }
  .nav__sub li { display: grid; grid-template-columns: 1fr 44px; align-items: center; }
  .nav__sub li > ul { grid-column: 1 / -1; }
  .nav__sub li:has(> .nav__sub2) > a::after { display: none; }
  .nav__sub li:not(:has(> .nav__sub2)) { display: block; }
  .hero-card { min-height: 0; flex-direction: column; align-items: stretch; }
  .hero-card::after { background: linear-gradient(180deg, rgba(10, 22, 48, .82) 0%, rgba(10, 22, 48, .6) 55%, rgba(10, 22, 48, .3) 100%); }
  .hero-slides { padding: 2.6rem 1.3rem 3.2rem 4rem; flex: 0 0 auto; }
  /* compact curved tab in the bottom-right corner: "Know more" + the three round thumbnails */
  .hero-notch { position: relative; right: auto; bottom: auto; display: flex; align-items: center; gap: .9rem; width: auto; max-width: 86%; margin: 0 -2px -2px auto; padding: .85rem 1.15rem .85rem 1.4rem; border-top-left-radius: 28px; }
  .hero-notch::before, .hero-notch::after { width: 28px; height: 28px; background: radial-gradient(circle at 0 0, transparent 27.5px, #fff 28px); }
  .hero-notch::before { left: -28px; }
  .hero-notch::after { top: -28px; }
  .hero-notch__top { margin: 0; font-size: 1rem; white-space: nowrap; }
  .hero-notch__card { padding: 0; background: none; border-radius: 0; gap: 0; }
  .hero-notch__card > span:last-child { display: none; }
  .hero-notch__thumbs img { width: 34px; height: 34px; }
  .hero-steps { top: 3.2rem; transform: none; }
  .steps { grid-template-columns: 1fr; gap: 1rem; }
  .step, .step:first-child, .step:last-child { border-radius: var(--r-lg); min-height: 200px; }
  .step--hot { min-height: 260px; }
  .trust__items { justify-content: flex-start; }
}
@media (max-width: 640px) {
  .hero-slides { padding: 2.6rem 1.1rem 3.2rem 4.3rem; }
  .hero-steps { left: .8rem; }
  .hero-steps button { width: 32px; height: 32px; font-size: .78rem; }
  .hero-desc { font-size: 1rem; }
  .trust__items { display: grid; grid-template-columns: 1fr 1fr; width: 100%; }
  .trust__item { font-size: 1rem; white-space: normal; }
  .pcards { grid-auto-columns: 82%; }
  .why { grid-template-columns: 1fr; }
  .bigline__cols, .agents__stats, .bigline__points { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer-notch { padding: .7rem .8rem .7rem 1.1rem; gap: .6rem; }
  .footer .footer-notch__link span { display: none; }
  .arrows { display: none; }
  .pb { padding: 32px 0; }
  .pb__cols { grid-template-columns: 1fr; }
  .tiles--grid { grid-template-columns: 1fr; }
  .tile { aspect-ratio: 16 / 10; }
  .pb--banner { min-height: 280px; padding: 48px 0; }
  .pb--grey { padding: 34px 0; border-radius: 28px; }
  .section__head { flex-direction: column; align-items: flex-start; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; animation: none !important; scroll-behavior: auto !important; } .js .reveal { opacity: 1; transform: none; } }
@media print { .header, .footer, .aside, .cta-card, .hero-notch { display: none; } body { background: #fff; } }

/* ---------- touch comfort (all screens): every link/button/checkbox is easy to hit ---------- */
.lang a { display: flex; align-items: center; min-height: 38px; padding: 0 .9rem; line-height: 1; }
.crumbs ol { align-items: center; }
.crumbs li { display: flex; align-items: center; min-height: 40px; line-height: 1.2; }  /* links and the current page sit on one line */
.crumbs a { display: inline-flex; align-items: center; min-height: 40px; }
.crumbs--bar { padding: .3rem 0 0; }
.footer li { margin: 0 0 .1rem; }
.footer li a, .footer address .footer__line { display: inline-block; padding: .4rem 0; }
.footer address .footer__line { margin-top: .1rem; }
.footer-notch__link { min-height: 44px; }
.footer .footer-notch__link { min-width: 44px; justify-content: center; }
.follow a { width: 38px; height: 38px; }
.step__link, .hero-notch__top a, .card__more { display: inline-flex; align-items: center; min-height: 40px; }
.trust__item small { font-size: .75rem; }
.field--check input { width: 1.4rem; height: 1.4rem; flex: none; }
.field__choices input { width: 1.3rem; height: 1.3rem; flex: none; }
.field__choices label { min-height: 40px; }
.pb-tabs__nav button, .pb-acc summary, .faq summary { min-height: 44px; }
.btn--sm { min-height: 40px; }
.downloads a small { margin-left: .5rem; color: var(--muted); font-weight: 500; font-size: .85rem; }