/* Tymchuk Insurance Group — public website */
:root {
  --navy: #0e2239; --navy-2: #173a5e; --blue: #2a78d6; --blue-d: #1f63b5; --sky: #e8f1fc;
  --cream: #faf7f2; --sand: #f1ebe1; --ink: #13202f; --ink-2: #4a5567; --muted: #6d7686; --line: #e5e0d6;
  --gold: #c9973a; --green: #0c7a45; --red: #b42828;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --r: 16px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: #fff; font-size: 16px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: var(--blue-d); }
img { max-width: 100%; }
[hidden] { display: none !important; }
h1, h2, h3 { line-height: 1.15; margin: 0 0 .4em; letter-spacing: -.015em; }
h1, h2 { font-family: var(--serif); font-weight: 700; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }
.muted { color: var(--muted); }
.lead { font-size: 1.15rem; color: var(--ink-2); max-width: 620px; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--blue-d); margin-bottom: 14px; }
.ic { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex: none; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 44px; padding: 0 18px; border-radius: 10px; font-weight: 600; font-size: .95rem; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; font-family: inherit; transition: background .15s, border-color .15s, transform .1s; white-space: nowrap; }
.btn:active { transform: translateY(1px); }
.btn.primary { background: var(--blue); color: #fff; }
.btn.primary:hover { background: var(--blue-d); }
.btn.ghost { background: #fff; color: var(--ink); border-color: var(--line); }
.btn.ghost:hover { border-color: var(--blue); color: var(--blue-d); }
.btn.light { background: #fff; color: var(--navy); }
.btn.big { height: 52px; padding: 0 24px; font-size: 1.02rem; }
.btn:disabled { opacity: .6; cursor: wait; }

/* nav */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); padding-top: env(safe-area-inset-top, 0px); }
.nav-in { display: flex; align-items: center; gap: 24px; height: 70px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; color: var(--navy); text-decoration: none; letter-spacing: -.01em; }
.mark { width: 36px; height: 36px; border-radius: 10px; background: linear-gradient(135deg, #3f8ee8, #1b4f8a); color: #fff; display: grid; place-items: center; font-size: 13px; font-weight: 800; }
.links { display: flex; gap: 22px; margin-left: 12px; }
.links a { color: var(--ink-2); text-decoration: none; font-weight: 500; font-size: .95rem; }
.links a:hover { color: var(--blue-d); }
.nav-cta { margin-left: auto; display: flex; gap: 10px; align-items: center; }
.menu { display: none; width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 10px; flex-direction: column; justify-content: center; align-items: center; gap: 4px; cursor: pointer; }
.menu span { width: 18px; height: 2px; background: var(--ink); border-radius: 2px; }

/* hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #dbe9fb 0, transparent 60%), linear-gradient(180deg, var(--cream), #fff); padding: 64px 0 72px; }
.hero-in { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.ticks { list-style: none; padding: 0; margin: 22px 0 28px; display: grid; gap: 10px; }
.ticks li { display: flex; gap: 10px; align-items: center; color: var(--ink-2); }
.ticks .ic { color: var(--green); background: #e4f5ec; border-radius: 50%; padding: 3px; width: 22px; height: 22px; }
.hero-stats { display: flex; gap: 34px; flex-wrap: wrap; }
.hero-stats b { display: block; font-family: var(--serif); font-size: 2rem; color: var(--navy); line-height: 1.1; }
.hero-stats span { font-size: .85rem; color: var(--muted); }
.hero-card, .panel { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 28px; box-shadow: 0 24px 60px rgba(14, 34, 57, .12); }
.hero-card h2, .panel h2 { font-family: var(--sans); font-size: 1.35rem; font-weight: 700; margin-bottom: 4px; }

/* form */
.qform { display: grid; gap: 14px; margin-top: 16px; }
.qform label { display: grid; gap: 6px; font-size: .86rem; font-weight: 600; color: var(--ink-2); }
.qform input:not([type=radio]):not([type=checkbox]), .qform select, .qform textarea { width: 100%; font: inherit; font-size: 1rem; font-weight: 400; color: var(--ink); height: 46px; padding: 0 12px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; outline: none; }
.qform textarea { height: auto; padding: 10px 12px; resize: vertical; }
.qform input:focus, .qform select:focus, .qform textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 4px var(--sky); }
.qform .bad { border-color: var(--red) !important; }
.consent.bad span { color: var(--red); }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.opt { font-weight: 400; color: var(--muted); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.seg { display: grid; grid-template-columns: 1fr 1fr; background: var(--sand); border-radius: 12px; padding: 4px; }
.seg label { display: block; }
.seg input, .chip input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: block; text-align: center; padding: 9px; border-radius: 9px; font-weight: 600; color: var(--ink-2); cursor: pointer; font-size: .92rem; }
.seg input:checked + span { background: #fff; color: var(--navy); box-shadow: 0 1px 3px rgba(0,0,0,.12); }
.seg input:focus-visible + span, .chip input:focus-visible + span { outline: 2px solid var(--blue); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-block !important; }
.chip span { display: inline-block; padding: 8px 14px; border: 1.5px solid var(--line); border-radius: 999px; font-weight: 500; cursor: pointer; font-size: .9rem; color: var(--ink-2); }
.chip input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.consent { display: flex !important; grid-template-columns: none; align-items: flex-start; gap: 10px !important; font-weight: 400 !important; font-size: .78rem !important; color: var(--muted) !important; line-height: 1.45; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex: none; accent-color: var(--blue); }
.form-msg { margin: 0; font-size: .9rem; min-height: 1.2em; }
.form-msg.err { color: var(--red); }
.done { text-align: center; padding: 20px 6px; }
.done .ic { width: 54px; height: 54px; color: #fff; background: var(--green); border-radius: 50%; padding: 12px; margin-bottom: 10px; }
.qform.compact .grid2 label:nth-child(n+6) { display: none; }

/* sections */
.sec { padding: 84px 0; }
.sec.tight { padding: 40px 0 84px; }
.sec.alt { background: var(--cream); }
.sec-head { max-width: 680px; margin-bottom: 40px; }
.row-head { max-width: none; display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; flex-wrap: wrap; }
.cov { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 16px; }
.cov-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 24px; text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s, transform .15s; }
.cov-card:hover { border-color: var(--blue); box-shadow: 0 12px 30px rgba(14, 34, 57, .08); transform: translateY(-2px); }
.cov-card p { color: var(--ink-2); font-size: .94rem; flex: 1; }
.cov-ic { width: 46px; height: 46px; border-radius: 12px; background: var(--sky); color: var(--blue-d); display: grid; place-items: center; margin-bottom: 16px; }
.cov-ic .ic { width: 22px; height: 22px; }
.more { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--blue-d); font-size: .92rem; }
.more .ic { width: 16px; height: 16px; }
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: s; }
.steps li { background: #fff; border-radius: var(--r); padding: 28px; border: 1px solid var(--line); }
.steps span { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; margin-bottom: 16px; }
.steps p { color: var(--ink-2); margin: 0; }
details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 20px; margin-bottom: 10px; }
summary { cursor: pointer; font-weight: 600; padding: 18px 0; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--blue-d); }
details[open] summary::after { content: "–"; }
details p { color: var(--ink-2); padding-bottom: 8px; }
.cta { background: var(--navy); color: #fff; padding: 56px 0; }
.cta-in { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta h2 { color: #fff; margin-bottom: 6px; }
.cta p { color: #b8c6d9; margin: 0; }

/* agent cards */
.agrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 18px; }
.acard { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s, transform .15s; }
.acard:hover { border-color: var(--blue); box-shadow: 0 14px 34px rgba(14, 34, 57, .1); transform: translateY(-2px); }
.acard .ph { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 0; font-size: 3rem; }
.acard-b { padding: 18px 20px 20px; display: flex; flex-direction: column; flex: 1; }
.acard-b h3 { font-size: 1.15rem; margin-bottom: 2px; }
.acard-b p { font-size: .92rem; flex: 1; }
.ph { display: grid; place-items: center; background: linear-gradient(135deg, #dbe9fb, #b7d3f6); color: var(--navy-2); font-family: var(--serif); font-weight: 700; object-fit: cover; }
.ph.xl { width: 132px; height: 132px; border-radius: 50%; font-size: 2.8rem; box-shadow: 0 0 0 6px #fff, 0 10px 30px rgba(14,34,57,.18); flex: none; }
.tags { display: flex; flex-wrap: wrap; gap: 6px; margin: 10px 0 14px; }
.tags span { display: inline-flex; align-items: center; gap: 6px; font-size: .78rem; font-weight: 600; background: var(--sky); color: var(--blue-d); padding: 3px 9px; border-radius: 6px; }
.tags.big span { font-size: .92rem; padding: 7px 12px; border-radius: 9px; background: var(--cream); color: var(--ink); border: 1px solid var(--line); }
.tags.big .ic { width: 16px; height: 16px; color: var(--green); }
.page-hero { background: linear-gradient(180deg, var(--cream), #fff); padding: 56px 0 24px; }
.state-filter { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; margin-top: 8px; }
.state-filter select { height: 44px; border: 1.5px solid var(--line); border-radius: 10px; padding: 0 12px; font: inherit; background: #fff; }

/* agent page */
.agent-hero { background: radial-gradient(900px 400px at 10% -10%, #dbe9fb 0, transparent 60%), linear-gradient(180deg, var(--cream), #fff 420px); padding: 48px 0 84px; }
.agent-in { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .9fr); gap: 48px; align-items: start; }
.agent-id { display: flex; gap: 28px; align-items: center; }
.agent-id h1 { margin-bottom: 4px; }
.agent-id .lead { margin-bottom: 12px; }
.facts { display: flex; flex-wrap: wrap; gap: 8px 18px; color: var(--ink-2); font-size: .92rem; }
.facts span { display: inline-flex; align-items: center; gap: 6px; }
.facts .ic { width: 16px; height: 16px; color: var(--gold); }
.contact-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 28px 0 8px; }
.block { margin-top: 40px; }
.block h2 { font-size: 1.5rem; }
.block p { color: var(--ink-2); }
.carriers { display: flex; flex-wrap: wrap; gap: 10px; }
.carriers span { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 10px 14px; font-weight: 600; color: var(--navy); font-size: .92rem; }
.sticky { position: sticky; top: 90px; }
.show-sm { display: none !important; }
#quote-form { scroll-margin-top: 84px; }

/* footer */
.foot { background: #0a1a2c; color: #c7d2e0; padding: 56px 0 28px; padding-bottom: calc(28px + env(safe-area-inset-bottom, 0px)); }
.foot .brand { color: #fff; margin-bottom: 12px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
.foot h4 { color: #fff; margin: 0 0 12px; font-size: .95rem; }
.foot a { display: block; color: #c7d2e0; text-decoration: none; margin-bottom: 8px; font-size: .94rem; }
.foot a:hover { color: #fff; }
.foot .muted { color: #8a9bb1; font-size: .92rem; }
.disc { font-size: .78rem; color: #8a9bb1; border-top: 1px solid #1c3553; padding-top: 16px; margin: 0; }
.disc + .disc { border: 0; padding-top: 6px; }

@media (max-width: 960px) {
  .hero-in, .agent-in { grid-template-columns: 1fr; gap: 36px; }
  .steps { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .sticky { position: static; }
  .links { display: none; position: absolute; top: 70px; left: 0; right: 0; background: #fff; flex-direction: column; gap: 0; padding: 8px 20px 16px; border-bottom: 1px solid var(--line); margin: 0; }
  .links.open { display: flex; }
  .links a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .menu { display: inline-flex; }
  .hide-sm { display: none; }
}
@media (max-width: 560px) {
  .nav-cta .btn.primary { height: 40px; padding: 0 12px; font-size: .88rem; }
  .brand span:last-child { font-size: .9rem; max-width: 130px; line-height: 1.15; }
  .grid2 { grid-template-columns: 1fr; }
  .hero { padding: 36px 0 48px; }
  .hero-card, .panel { padding: 20px; border-radius: 16px; }
  .agent-id { flex-direction: column; align-items: flex-start; gap: 18px; }
  .ph.xl { width: 108px; height: 108px; }
  .contact-row .btn { flex: 1 1 calc(50% - 10px); }
  .contact-row .show-sm { display: inline-flex !important; flex-basis: 100%; }
  .sec { padding: 60px 0; }
  .foot-grid { grid-template-columns: 1fr; }
}

/* ================= Brand theme: navy + electric blue + orange ================= */
:root {
  --navy: #0b1b3f; --navy-2: #16295a; --blue: #2563ff; --blue-d: #1a4fd6; --sky: #e6edff;
  --cream: #f7f8fc; --sand: #eef1f8; --ink: #0b1b3f; --ink-2: #44506a; --muted: #6b7690; --line: #e1e6f0;
  --orange: #ff8a3d; --orange-d: #e8701f; --gold: #ff8a3d; --green: #12a150;
  --serif: "Space Grotesk", "Inter", system-ui, sans-serif;
  --r: 20px;
  --lift: 0 14px 34px rgba(11, 27, 63, .12);
}
body { background: #fff; }
a { color: var(--blue-d); }
h1, h2 { font-family: var(--serif); font-weight: 700; letter-spacing: -.035em; color: var(--navy); }
h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); line-height: 1.03; }
.btn { border-radius: 999px; font-weight: 700; }
.btn.primary { background: linear-gradient(135deg, #2563ff, #3b82ff); color: #fff; box-shadow: 0 8px 20px rgba(37, 99, 255, .35); }
.btn.primary:hover { background: linear-gradient(135deg, #1a4fd6, #2563ff); box-shadow: 0 10px 24px rgba(37, 99, 255, .45); }
.btn.ghost { border: 2px solid var(--line); color: var(--navy); }
.btn.ghost:hover { border-color: var(--blue); background: var(--sky); color: var(--blue-d); }
.btn.light { background: var(--orange); color: #fff; box-shadow: 0 8px 20px rgba(255, 138, 61, .35); }
.btn.light:hover { background: var(--orange-d); }
.nav { background: rgba(255,255,255,.92); border-bottom: 1px solid var(--line); }
.brand { color: var(--navy); font-family: var(--serif); font-weight: 700; letter-spacing: -.03em; font-size: 1.1rem; }
.mark { background: none; width: 38px; height: 38px; border-radius: 0; }
.mark svg { width: 38px; height: 38px; display: block; }
.links a:hover { color: var(--blue-d); }
.eyebrow { color: var(--blue-d); background: var(--sky); padding: 5px 12px; border-radius: 999px; font-size: .74rem; }
.eyebrow .ic { width: 15px; height: 15px; }
.hero { background: radial-gradient(760px 460px at 92% -8%, rgba(37,99,255,.20) 0, transparent 62%), radial-gradient(520px 320px at -5% 105%, rgba(255,138,61,.16) 0, transparent 70%), var(--cream); }
.hero h1 { background: linear-gradient(120deg, #0b1b3f 55%, #2563ff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.ticks .ic { color: #fff; background: var(--blue); }
.hero-stats b { color: var(--navy); font-size: 2.3rem; letter-spacing: -.04em; font-family: var(--serif); }
.hero-card, .panel { border: 1px solid var(--line); box-shadow: 0 30px 70px rgba(11, 27, 63, .16); border-radius: 24px; }
.hero-card { border-top: 5px solid var(--blue); }
.qform input:focus, .qform select:focus, .qform textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 4px var(--sky); }
.seg { background: var(--sand); border-radius: 999px; }
.seg span { border-radius: 999px; }
.seg input:checked + span { background: var(--navy); color: #fff; }
.chip input:checked + span { background: var(--blue); border-color: var(--blue); color: #fff; }
.consent input { accent-color: var(--blue); }
.done .ic { background: var(--green); color: #fff; }
.sec.alt { background: var(--cream); }
.cov-card { border: 1px solid var(--line); }
.cov-card:hover { border-color: var(--blue); box-shadow: var(--lift); transform: translateY(-4px); }
.cov-ic { background: var(--sky); color: var(--blue); border-radius: 14px; }
.more { color: var(--blue-d); }
.more .ic { width: 16px; height: 16px; }
.steps li { border: 1px solid var(--line); }
.steps span { background: linear-gradient(135deg, #2563ff, #3b82ff); color: #fff; font-family: var(--serif); }
details { border: 1px solid var(--line); border-radius: 16px; }
details[open] { border-color: var(--blue); box-shadow: 0 6px 18px rgba(37,99,255,.08); }
summary::after { color: var(--blue); }
.cta { background: radial-gradient(600px 300px at 90% 0%, rgba(37,99,255,.45) 0, transparent 65%), var(--navy); }
.cta h2 { color: #fff; }
.cta p { color: #b8c4de; }
.acard { border: 1px solid var(--line); }
.acard:hover { border-color: var(--blue); box-shadow: var(--lift); transform: translateY(-4px); }
.ph { background: linear-gradient(135deg, #dbe6ff, #9fbaff); color: var(--navy); }
.ph.xl { box-shadow: 0 0 0 5px #fff, 0 12px 30px rgba(11,27,63,.2); }
.tags span { background: var(--sky); color: var(--blue-d); }
.tags.big span { background: #fff; }
.tags.big .ic { color: var(--blue); }
.facts .ic { color: var(--orange); }
.agent-hero { background: radial-gradient(700px 380px at 5% -5%, rgba(37,99,255,.16) 0, transparent 62%), linear-gradient(180deg, var(--cream), #fff 420px); }
.page-hero { background: radial-gradient(600px 300px at 95% 0%, rgba(37,99,255,.16) 0, transparent 65%), var(--cream); }
.carriers span { color: var(--navy); border: 1px solid var(--line); }
.foot { background: #081533; color: #c3cde2; }
.foot a { color: #c3cde2; }
.foot a:hover { color: #fff; }
.foot .brand { color: #fff; }
.foot .muted, .disc { color: #8391ad; }
.disc { border-top-color: #1b2c55; }

/* ================= Homepage sections ================= */
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 0 0 30px; }
.btn.big .ic { width: 18px; height: 18px; }
.trust { background: var(--navy); color: #e6ebf7; }
.trust-in { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 34px; padding: 16px 20px; font-weight: 600; font-size: .92rem; }
.trust-in span { display: inline-flex; align-items: center; gap: 8px; }
.trust-in .ic { color: var(--orange); }
.who { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.who-card { display: flex; flex-direction: column; text-decoration: none; color: inherit; background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 24px; transition: transform .15s, box-shadow .15s, border-color .15s; position: relative; overflow: hidden; }
.who-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: linear-gradient(90deg, #2563ff, #ff8a3d); opacity: 0; transition: opacity .15s; }
.who-card:hover { transform: translateY(-4px); box-shadow: var(--lift); border-color: #c9d6f5; }
.who-card:hover::before { opacity: 1; }
.who-card h3 { font-family: var(--serif); font-size: 1.2rem; letter-spacing: -.02em; line-height: 1.25; color: var(--navy); }
.who-card p { color: var(--ink-2); font-size: .95rem; flex: 1; }
.who-ic { width: 48px; height: 48px; border-radius: 14px; background: #fff1e6; color: var(--orange-d); display: grid; place-items: center; margin-bottom: 16px; }
.who-card:nth-child(even) .who-ic { background: var(--sky); color: var(--blue); }
.who-ic .ic { width: 24px; height: 24px; }
.best { display: block; color: var(--orange-d); font-size: .8rem; font-weight: 700; margin: -2px 0 10px; }

.calc-in { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 48px; align-items: center; }
.calc { display: grid; gap: 16px; }
.calc label { display: grid; gap: 6px; font-size: .86rem; font-weight: 600; color: var(--ink-2); }
.calc input, .calc select { width: 100%; font: inherit; font-size: 1rem; height: 46px; padding: 0 12px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); outline: none; }
.calc input:focus, .calc select:focus { border-color: var(--blue); box-shadow: 0 0 0 4px var(--sky); }
.calc-out { background: linear-gradient(135deg, #0b1b3f, #16295a); color: #fff; border-radius: 18px; padding: 18px 20px; display: grid; gap: 2px; }
.calc-out span { font-size: .85rem; color: #b8c4de; font-weight: 600; }
.calc-out b { font-family: var(--serif); font-size: clamp(2.2rem, 5vw, 3rem); color: #fff; letter-spacing: -.04em; line-height: 1.1; }
.calc-out b::after { content: ""; display: block; width: 56px; height: 4px; border-radius: 4px; background: var(--orange); margin-top: 6px; }
.calc-out small { color: #9aa8c6; font-size: .82rem; }
.small-note { font-size: .85rem; }
.calc-note { display: flex; align-items: center; gap: 8px; background: var(--sky); color: var(--navy); border-radius: 12px; padding: 10px 14px; margin: 0 0 6px; font-size: .95rem; }

.steps.four { grid-template-columns: repeat(4, 1fr); }
.ready { margin-top: 20px; background: #fff; border: 1.5px dashed #b9c7e8; border-radius: 18px; padding: 18px 22px; }
.ready h3 { display: flex; align-items: center; gap: 8px; margin-bottom: 4px; color: var(--navy); }
.ready h3 .ic { background: var(--orange); color: #fff; border-radius: 50%; padding: 3px; width: 22px; height: 22px; }
.ready p { margin: 0; color: var(--ink-2); }

.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.compare { width: 100%; min-width: 560px; border-collapse: separate; border-spacing: 0; background: #fff; border: 1px solid var(--line); border-radius: 20px; overflow: hidden; box-shadow: var(--lift); }
.compare th, .compare td { padding: 14px 16px; text-align: center; border-bottom: 1px solid var(--line); }
.compare th { font-size: .9rem; color: var(--ink-2); font-weight: 700; }
.compare td:first-child, .compare th:first-child { text-align: left; font-weight: 600; color: var(--navy); }
.compare tr:last-child td { border-bottom: 0; }
.compare .us { background: #f1f5ff; }
.compare th.us { background: var(--blue); color: #fff; font-family: var(--serif); font-size: 1rem; }
.yes .ic { background: var(--blue); color: #fff; border-radius: 50%; padding: 3px; width: 24px; height: 24px; }
.no .ic { color: #b7c0d3; width: 20px; height: 20px; }

.sec.tightish { padding: 64px 0; }
.sec-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.carrier-wall { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.carrier-wall span { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 14px 20px; font-weight: 700; font-family: var(--serif); letter-spacing: -.01em; color: var(--navy); box-shadow: 0 2px 6px rgba(11,27,63,.04); }

.reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 16px; }
.review { margin: 0; background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 22px; display: flex; flex-direction: column; box-shadow: 0 4px 14px rgba(11,27,63,.05); }
.review .stars { color: var(--orange); letter-spacing: 2px; font-size: 1.05rem; margin-bottom: 8px; }
.review blockquote { margin: 0 0 14px; flex: 1; line-height: 1.55; }
.review figcaption { color: var(--muted); font-size: .9rem; }
.review figcaption b { color: var(--navy); }

.cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn.ghost-light { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.7); }
.btn.ghost-light:hover { background: rgba(255,255,255,.1); }

.mbar { display: none; }
@media (max-width: 960px) {
  .calc-in { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .steps.four { grid-template-columns: 1fr 1fr; }
  .links { background: #fff; }
}
@media (max-width: 560px) {
  .steps.four { grid-template-columns: 1fr; }
  .hero-actions .btn { flex: 1 1 100%; }
  .trust-in { justify-content: flex-start; gap: 10px 20px; font-size: .85rem; }
  .mbar { display: flex; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 14px calc(10px + env(safe-area-inset-bottom, 0px)); background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(11,27,63,.08); }
  .mbar .btn { flex: 1; height: 48px; }
  body { padding-bottom: 76px; }
  .cta-btns .btn { flex: 1 1 100%; }
}

/* ================= Careers, join band, agent page extras ================= */
.join { background: linear-gradient(135deg, #eef3ff, #fff4ec); border-top: 1px solid var(--line); }
.join-in { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; padding: 52px 20px; }
.join-in h2 { margin-bottom: 6px; }
.join-in p { color: var(--ink-2); max-width: 620px; margin: 0; }
.steps.five { grid-template-columns: repeat(5, 1fr); }
.fit { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fit-col { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 22px 24px; }
.fit-col h3 { display: flex; align-items: center; gap: 8px; color: var(--navy); }
.fit-col h3 .ic { width: 24px; height: 24px; border-radius: 50%; padding: 4px; background: #eef1f6; color: #8591a8; }
.fit-col.yes-col { border-color: #c9d6f5; box-shadow: var(--lift); }
.fit-col.yes-col h3 .ic { background: var(--blue); color: #fff; }
.fit-col ul { margin: 8px 0 0; padding-left: 20px; color: var(--ink-2); line-height: 1.8; }
.book h2 { margin-bottom: 2px; }
.bk-label { font-weight: 700; font-size: .88rem; color: var(--navy); margin: 16px 0 8px; }
.bk-days { display: flex; gap: 8px; overflow-x: auto; padding-bottom: 6px; scrollbar-width: thin; }
.bk-day { flex: none; width: 76px; border: 1.5px solid var(--line); background: #fff; border-radius: 14px; padding: 10px 6px; display: grid; gap: 2px; cursor: pointer; font: inherit; text-align: center; color: var(--navy); transition: border-color .12s, background .12s; }
.bk-day small { font-size: .74rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.bk-day b { font-size: .95rem; }
.bk-day em { font-style: normal; font-size: .7rem; color: var(--blue-d); }
.bk-day:hover { border-color: var(--blue); }
.bk-day.on { background: var(--navy); border-color: var(--navy); color: #fff; }
.bk-day.on small, .bk-day.on em { color: #b8c4de; }
.bk-times { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; max-height: 260px; overflow-y: auto; }
.bk-time { border: 1.5px solid #c9d6f5; background: #f5f8ff; color: var(--blue-d); border-radius: 10px; padding: 11px 6px; font: inherit; font-weight: 700; cursor: pointer; }
.bk-time:hover { background: var(--blue); border-color: var(--blue); color: #fff; }
.bk-picked { display: flex; gap: 12px; align-items: center; background: var(--sky); border-radius: 14px; padding: 12px 14px; color: var(--navy); }
.bk-picked .ic { width: 22px; height: 22px; color: var(--blue); }
.bk-picked span { display: block; font-size: .85rem; color: var(--ink-2); }
.bk-form .btn.ghost { height: 40px; }
.careers-hero .hero-card { align-self: start; }
@media (max-width: 960px) { .steps.five { grid-template-columns: 1fr 1fr; } .fit { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .steps.five { grid-template-columns: 1fr; } .bk-times { grid-template-columns: repeat(2, 1fr); } }
.hero-in > *, .agent-in > * { min-width: 0; }