:root {
  --cream: #fbf6ec; --cream-2: #f3e9d2; --edge: #eadfc8; --gold-dark: #9a6f21; --navy: #14305a; --navy-dark: #0e2342; --gold: #c8963e; --bg: #f6f8fb; --card: #ffffff;
  --text: #1c2a3d; --muted: #5d6b80; --line: #dde3ec; --ok: #2e7d4f; --warn: #b4531a;
}
* { box-sizing: border-box; }
[hidden] { display: none !important; }
body { margin: 0; font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; color: var(--text); background: var(--bg); line-height: 1.55; }
a { color: inherit; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
section[id] { scroll-margin-top: 64px; }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 16px; }

header.site { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 10; }
header.site .wrap { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; padding-top: 12px; padding-bottom: 12px; }
.brand { font-weight: 700; font-size: 1.2rem; letter-spacing: .3px; text-decoration: none; }
.brand span { color: var(--gold); }
nav.main { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; font-size: .95rem; }
nav.main a { text-decoration: none; opacity: .9; }
nav.main a:hover { opacity: 1; text-decoration: underline; }
.lang { display: flex; border: 1px solid rgba(255,255,255,.4); border-radius: 6px; overflow: hidden; }
.lang-btn { background: transparent; color: #fff; border: 0; padding: 5px 11px; cursor: pointer; font-size: .9rem; }
.lang-btn.active { background: var(--gold); color: #1c2a3d; font-weight: 600; }

.hero { position: relative; overflow: hidden; background: var(--navy-dark); color: #fff; min-height: 100vh; min-height: 100svh; display: flex; align-items: flex-start; padding: 72px 0 0; }
.hero-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 60%; }
.hero-shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(14,35,66,.8) 0%, rgba(14,35,66,.6) 30%, rgba(14,35,66,0) 58%), linear-gradient(90deg, rgba(14,35,66,.45) 0%, rgba(14,35,66,0) 55%); }
.hero-content { position: relative; z-index: 1; width: 100%; }
.sound-btn { position: absolute; z-index: 2; right: 16px; bottom: 16px; background: rgba(14,35,66,.7); color: #fff; border: 1px solid rgba(255,255,255,.5); border-radius: 99px; padding: 9px 16px; font-size: .9rem; cursor: pointer; backdrop-filter: blur(4px); }
.sound-btn:hover { background: rgba(14,35,66,.9); }
.hero h1 { text-shadow: 0 2px 12px rgba(0,0,0,.45); font-size: clamp(1.7rem, 5vw, 2.8rem); line-height: 1.2; margin: 0 0 14px; max-width: 700px; }
.hero p { max-width: 620px; font-size: 1.1rem; opacity: .92; margin: 0 0 24px; }
.hero small { display: block; margin-top: 14px; opacity: .75; }
.btn { display: inline-block; background: var(--gold); color: #1c2a3d; border: 0; border-radius: 8px; padding: 12px 24px; font-size: 1rem; font-weight: 600; cursor: pointer; text-decoration: none; }
.btn:hover { filter: brightness(1.06); }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-block { display: block; width: 100%; text-align: center; }
.btn-lg { padding: 15px 28px; font-size: 1.08rem; box-shadow: 0 6px 18px rgba(0,0,0,.25); }
.btn-outline { background: rgba(14,35,66,.35); color: #fff; border: 2px solid rgba(255,255,255,.75); }
.btn-outline:hover { background: rgba(14,35,66,.6); }
.btn.small { padding: 6px 12px; font-size: .88rem; }
.btn.ghost { background: transparent; border: 1px solid var(--line); color: var(--text); }
.btn.green { background: var(--ok); color: #fff; }

section.block { padding: 48px 0; }
section.block h2 { color: var(--navy); margin: 0 0 24px; font-size: 1.7rem; }
.grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 20px; }
.card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.1rem; }
.card p { margin: 0; color: var(--muted); }

.field { margin-bottom: 14px; }
label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 4px; }
input, select, textarea { width: 100%; padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; font: inherit; background: #fff; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.row2 { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
.disclaimer { font-size: .85rem; color: var(--muted); margin-top: 12px; }
.success { background: #e7f4ec; border: 1px solid #b7dcc4; color: #1d5a37; padding: 12px 14px; border-radius: 8px; margin-top: 14px; }
footer.site { text-align: center; color: var(--muted); font-size: .85rem; padding: 28px 16px; }

/* dashboard */
.warn { background: #fff4e8; border: 1px solid #f0cfae; color: var(--warn); padding: 10px 14px; border-radius: 8px; font-size: .9rem; margin: 16px 0; }
.tabs { display: flex; gap: 6px; border-bottom: 2px solid var(--line); margin-bottom: 18px; flex-wrap: wrap; }
.tab { background: none; border: 0; padding: 10px 16px; cursor: pointer; font: inherit; color: var(--muted); border-bottom: 3px solid transparent; margin-bottom: -2px; }
.tab.active { color: var(--navy); font-weight: 700; border-bottom-color: var(--gold); }
.item { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 16px; margin-bottom: 12px; }
.item-head { display: flex; justify-content: space-between; gap: 10px; flex-wrap: wrap; align-items: baseline; }
.item h3 { margin: 0; color: var(--navy); font-size: 1.05rem; }
.meta { color: var(--muted); font-size: .88rem; }
.badge { display: inline-block; font-size: .78rem; padding: 2px 9px; border-radius: 99px; background: #e8edf5; color: var(--navy); font-weight: 600; }
.badge.new { background: #fde9c4; color: #7a5200; }
.badge.approved { background: #d9efe0; color: #1d5a37; }
.badge.over { background: #fbdcd0; color: var(--warn); }
.actions { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 10px; align-items: center; }
.actions select { width: auto; }
.inline-form { display: grid; gap: 10px; grid-template-columns: 2fr 1fr 1fr auto; align-items: end; margin-bottom: 18px; }
.empty { color: var(--muted); padding: 20px 0; }
.contact { margin: 6px 0 8px; }
.contact-row { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; margin: 4px 0; word-break: break-word; }
.contact .phone { font-size: 1.15rem; color: var(--navy); }
.contact .btn.small { padding: 10px 16px; min-height: 44px; display: inline-flex; align-items: center; }

@media (max-width: 640px) {
  .row2, .inline-form { grid-template-columns: 1fr; }
  /* Phones: the video is wide, so show all of it (parents, children, dog) across the top and put the text on navy beneath it. */
  .hero { padding: 0 0 40px; align-items: flex-start; min-height: 0; }
  .hero-video { height: auto; aspect-ratio: 16 / 9; bottom: auto; object-fit: cover; object-position: 50% 50%; }
  .hero-shade { background: linear-gradient(180deg, rgba(14,35,66,0) 0, rgba(14,35,66,0) 38vw, var(--navy-dark) 56.25vw); }
  .hero-content { padding-top: calc(56.25vw + 12px); }
  .sound-btn { top: calc(56.25vw - 48px); bottom: auto; right: 12px; }
  header.site .wrap { justify-content: center; }
}

/* ---------- categories ---------- */
.cat { text-align: center; padding: 28px 22px; border-color: var(--edge); background: var(--cream); }
.cat-icon { font-size: 2.2rem; margin-bottom: 8px; }
.fine { font-size: .85rem; color: var(--muted); margin: 18px 0 0; }
.fine.light { color: rgba(255,255,255,.72); margin-top: 16px; }
.lead { color: var(--muted); max-width: 720px; margin: -8px 0 24px; font-size: 1.05rem; }

/* ---------- calculator ---------- */
section.calc { background: var(--cream); }
.calc-grid { display: grid; gap: 24px; grid-template-columns: minmax(0, 1.5fr) minmax(300px, 1fr); align-items: start; }
.step { background: #fff; border: 1px solid var(--edge); border-radius: 16px; padding: 24px; margin-bottom: 18px; box-shadow: 0 2px 10px rgba(80,60,20,.05); }
.step-head { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; }
.step-head h3 { margin: 0; color: var(--navy); font-size: 1.25rem; }
.step-num { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: #1c2a3d; font-weight: 700; display: grid; place-items: center; }
.step-sub { margin: 0 0 14px; font-style: italic; color: var(--gold-dark); font-size: 1.05rem; }
.step label { font-size: 1rem; margin: 14px 0 8px; }
.hint { font-size: .86rem; color: var(--muted); margin: 8px 0 0; }
.money { display: flex; align-items: center; background: var(--cream); border: 1px solid var(--edge); border-radius: 12px; padding: 0 14px; }
.money:focus-within { outline: 2px solid var(--gold); border-color: var(--gold); }
.money > span { font-size: 1.5rem; color: var(--gold-dark); font-weight: 700; margin-right: 4px; }
.money input { border: 0; background: transparent; font-size: 1.6rem; font-weight: 700; color: var(--navy); padding: 12px 4px; min-width: 0; outline: none; }
.money em { font-style: normal; color: var(--muted); white-space: nowrap; padding-left: 6px; }
.money.narrow { max-width: 220px; }
.money.narrow input { width: 90px; }
.money.small { padding: 0 8px; margin-top: 8px; }
.money.small input { font-size: 1.1rem; padding: 7px 2px; }
.money.small > span { font-size: 1.1rem; }
input[type=range] { accent-color: var(--gold); padding: 0; margin-top: 12px; height: 28px; border: 0; }
.range-ends { display: flex; justify-content: space-between; font-size: .8rem; color: var(--muted); }

.stepper { display: inline-flex; align-items: center; gap: 4px; background: var(--cream); border: 1px solid var(--edge); border-radius: 14px; padding: 4px; margin-bottom: 6px; }
.stepper button { width: 46px; height: 46px; border-radius: 10px; border: 0; background: #fff; color: var(--navy); font-size: 1.6rem; cursor: pointer; box-shadow: 0 1px 3px rgba(0,0,0,.12); }
.stepper button:disabled { opacity: .35; cursor: default; }
.stepper output { min-width: 56px; text-align: center; font-size: 1.7rem; font-weight: 700; color: var(--navy); }

.edu-grid { display: grid; gap: 10px; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); margin-top: 6px; }
.edu-opt { margin: 0 !important; display: block; cursor: pointer; }
.edu-opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.edu-card { display: block; height: 100%; background: var(--cream); border: 2px solid var(--edge); border-radius: 12px; padding: 12px 14px; transition: border-color .15s, background .15s; }
.edu-card b { display: block; font-size: 1.25rem; color: var(--navy); }
.edu-card small { display: block; color: var(--muted); font-size: .84rem; font-weight: 400; margin-top: 2px; line-height: 1.4; }
.edu-opt:hover .edu-card { border-color: var(--gold); }
.edu-opt input:checked + .edu-card { border-color: var(--gold); background: #fff8e8; box-shadow: 0 0 0 3px rgba(200,150,62,.25); }
.edu-opt input:focus-visible + .edu-card { outline: 3px solid var(--navy); outline-offset: 2px; }
#eduWrap.dim .edu-grid { opacity: .45; }

.result { position: sticky; top: 76px; background: linear-gradient(160deg, var(--navy-dark), var(--navy)); color: #fff; border-radius: 18px; padding: 26px; box-shadow: 0 12px 30px rgba(14,35,66,.28); }
.result h3 { margin: 0 0 10px; color: var(--gold); font-size: 1.05rem; letter-spacing: .3px; }
.big { font-size: clamp(2.4rem, 8vw, 3.5rem); font-weight: 800; line-height: 1.1; word-break: break-word; }
.big-label { opacity: .8; font-size: .92rem; margin-bottom: 14px; }
.breakdown { list-style: none; margin: 0 0 16px; padding: 0; }
.breakdown li { display: flex; justify-content: space-between; gap: 12px; align-items: baseline; padding: 9px 0; border-top: 1px solid rgba(255,255,255,.18); }
.breakdown small { display: block; opacity: .7; font-size: .8rem; }
.breakdown b { white-space: nowrap; font-size: 1.05rem; }
.breakdown .minus b { color: #bfe6cb; }
.covered { background: rgba(255,255,255,.12); border-radius: 10px; padding: 10px 12px; font-size: .9rem; }
.result .btn { width: 100%; text-align: center; }

.mini-bar { position: fixed; z-index: 20; left: 0; right: 0; bottom: 0; background: var(--navy-dark); color: #fff; display: none; align-items: center; gap: 10px; padding: 10px 16px; box-shadow: 0 -4px 16px rgba(0,0,0,.25); }
.mini-bar b { color: var(--gold); font-size: 1.2rem; flex: 1; }
.mini-bar a { background: var(--gold); color: #1c2a3d; padding: 7px 14px; border-radius: 8px; font-weight: 600; text-decoration: none; font-size: .9rem; }

/* ---------- quote form additions ---------- */
.proto-notice { background: #fff4e8; border: 1px solid #f0cfae; color: var(--warn); padding: 10px 14px; border-radius: 8px; font-size: .9rem; max-width: 680px; margin-bottom: 14px; }
.plan-box { background: var(--cream); border: 1px solid var(--edge); border-radius: 12px; padding: 14px 16px; margin: 6px 0 18px; }
.plan-box h4 { margin: 0 0 8px; color: var(--navy); }
.plan-box dl { display: grid; grid-template-columns: auto 1fr; gap: 4px 14px; margin: 0 0 10px; font-size: .92rem; }
.plan-box dt { color: var(--muted); }
.plan-box dd { margin: 0; font-weight: 600; text-align: right; }
.check { display: flex; gap: 8px; align-items: center; font-weight: 500; margin: 0; }
.check input { width: auto; }
.plan-line { font-size: .9rem; background: var(--cream); border-radius: 8px; padding: 8px 10px; margin: 8px 0; }

@media (max-width: 900px) {
  .calc-grid { grid-template-columns: 1fr; }
  .result { position: static; }
  .mini-bar:not([hidden]) { display: flex; }
}
@media (max-width: 640px) {
  header.site { position: static; }
  section[id] { scroll-margin-top: 8px; }
  .step { padding: 18px; }
}

/* ---------- How it works: three-step journey ---------- */
section.how { background: #fff; }
.journey { list-style: none; margin: 40px 0 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; position: relative; }
.journey::before { content: ""; position: absolute; top: 46px; left: 17%; right: 17%; border-top: 2px dashed var(--gold); opacity: .7; }
.j-step { position: relative; text-align: center; }
.j-icon { position: relative; width: 94px; height: 94px; margin: 0 auto 18px; border-radius: 50%; background: linear-gradient(160deg, var(--navy-dark), var(--navy)); color: var(--gold); display: grid; place-items: center; border: 5px solid #fff; box-shadow: 0 0 0 2px var(--edge), 0 8px 20px rgba(14,35,66,.2); }
.j-icon svg { width: 44px; height: 44px; }
.j-num { position: absolute; top: -4px; right: -4px; width: 28px; height: 28px; border-radius: 50%; background: var(--gold); color: #1c2a3d; font-weight: 700; font-size: .85rem; display: grid; place-items: center; border: 2px solid #fff; }
.j-card { background: var(--cream); border: 1px solid var(--edge); border-radius: 16px; padding: 22px 20px; height: calc(100% - 112px); }
.j-card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.35rem; }
.j-card h3::after { content: ""; display: block; width: 36px; height: 3px; background: var(--gold); border-radius: 2px; margin: 8px auto 0; }
.j-card p { margin: 12px 0 0; color: var(--muted); }

/* ---------- Quote: consultation panel + form ---------- */
section.quote-sec { background: var(--cream); }
.consult { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); border-radius: 22px; overflow: hidden; border: 1px solid var(--edge); box-shadow: 0 14px 40px rgba(14,35,66,.14); }
.info-inner { position: sticky; top: 84px; }
.consult-info { background: linear-gradient(165deg, var(--navy-dark), var(--navy)); color: #fff; padding: 40px 34px; }
.eyebrow { display: inline-block; color: var(--gold); text-transform: uppercase; letter-spacing: 1.5px; font-size: .78rem; font-weight: 700; margin-bottom: 12px; }
section.block .consult-info h2 { color: #fff; margin: 0 0 14px; font-size: clamp(1.6rem, 3.2vw, 2.2rem); line-height: 1.2; }
.q-desc { color: rgba(255,255,255,.88); margin: 0 0 26px; }
.consult-info h4 { color: var(--gold); margin: 0 0 12px; font-size: 1rem; }
.next-list { list-style: none; margin: 0 0 26px; padding: 0; }
.next-list li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 12px; color: rgba(255,255,255,.92); }
.tick { flex: none; width: 26px; height: 26px; border-radius: 50%; border: 2px solid var(--gold); color: var(--gold); font-weight: 700; font-size: .8rem; display: grid; place-items: center; margin-top: 1px; }
.privacy-card { border: 1px solid rgba(255,255,255,.25); border-radius: 12px; padding: 14px 16px; background: rgba(255,255,255,.06); }
.privacy-card h4 { margin-bottom: 6px; }
.contact-card a { color: var(--gold); font-weight: 700; word-break: break-all; }
footer.site a, .proto-notice a { color: inherit; font-weight: 700; }
.privacy-card p { margin: 0; font-size: .9rem; color: rgba(255,255,255,.85); }

.consult-form { background: #fff; padding: 34px; }
.consult-form h3 { margin: 0 0 14px; color: var(--navy); font-size: 1.4rem; }
.consult-form .proto-notice { max-width: none; }
.req-note { margin: 0 0 18px; }
.hint.tight { margin: -6px 0 14px; }
.tag { font-style: normal; font-weight: 600; font-size: .72rem; color: var(--muted); background: #eef1f6; border-radius: 99px; padding: 1px 8px; margin-left: 4px; vertical-align: 1px; white-space: nowrap; }
.tag.req { background: #fde9c4; color: #7a5200; }
.tag.one { background: #e4ecf8; color: var(--navy); }
.consult-form input, .consult-form select, .consult-form textarea { font-size: 16px; min-height: 48px; border-radius: 10px; }
.consult-form textarea { min-height: 96px; }
.consult-form .plan-box { margin: 8px 0 20px; }
.plan-edit { display: inline-block; margin-top: 8px; font-size: .88rem; color: var(--navy); }
.consult-form .btn-lg { box-shadow: 0 4px 12px rgba(200,150,62,.35); }

@media (max-width: 900px) {
  .consult { grid-template-columns: 1fr; }
  .consult-info { padding: 30px 22px; }
  .consult-form { padding: 26px 20px; }
}
@media (max-width: 760px) {
  .journey { grid-template-columns: 1fr; gap: 18px; margin-top: 28px; }
  .journey::before { top: 48px; bottom: 48px; left: 46px; right: auto; border-top: 0; border-left: 2px dashed var(--gold); }
  .j-step { display: grid; grid-template-columns: 94px 1fr; gap: 16px; text-align: left; align-items: start; }
  .j-icon { margin: 0; }
  .j-card { height: auto; }
  .j-card h3::after { margin-left: 0; }
}