/* ============================================================
   Insurance Dynasty LLC | site stylesheet
   Static rebuild, no framework, no build step.
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* Brand: sky-blue (from iD crown logo) + insurance navy for trust + warm gold for dynasty */
  --c-sky:        #29abe2;
  --c-sky-700:    #1d8cbc;
  --c-sky-50:     #e8f6fc;
  --c-navy:       #0d2546;
  --c-navy-700:   #122e57;
  --c-navy-50:    #eef1f7;
  --c-gold:       #c8a14a;
  --c-gold-700:   #a8852e;

  /* Neutrals */
  --c-ink:        #0f1722;
  --c-body:       #2a3344;
  --c-muted:      #5b6577;
  --c-line:       #e3e7ee;
  --c-line-soft:  #f0f3f8;
  --c-bg:         #ffffff;
  --c-bg-soft:    #f7f9fc;
  --c-bg-warm:    #fbfaf6;

  /* Status */
  --c-success:    #1f8a55;
  --c-warn:       #b87000;

  /* Type */
  --font-display: 'Playfair Display', 'Georgia', 'Times New Roman', serif;
  --font-sans:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;

  /* Sizing & rhythm */
  --container:    1180px;
  --container-sm: 880px;
  --radius:       12px;
  --radius-lg:    20px;
  --radius-pill:  999px;
  --shadow-sm:    0 1px 2px rgba(13,37,70,.06), 0 1px 1px rgba(13,37,70,.04);
  --shadow:       0 6px 24px -8px rgba(13,37,70,.15), 0 2px 6px rgba(13,37,70,.06);
  --shadow-lg:    0 24px 48px -12px rgba(13,37,70,.18), 0 8px 16px -4px rgba(13,37,70,.08);
  --duration:     180ms;
  --ease:         cubic-bezier(.2,.7,.2,1);
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-body);
  background: var(--c-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--c-sky-700); text-decoration: none; transition: color var(--duration) var(--ease); }
a:hover { color: var(--c-navy); }
button { font-family: inherit; cursor: pointer; }
ul { padding-left: 1.25rem; }
hr { border: none; border-top: 1px solid var(--c-line); margin: 3rem 0; }

/* Headings */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--c-ink);
  margin: 0 0 .8em;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.55rem); }
h4 { font-size: 1.1rem; font-family: var(--font-sans); font-weight: 600; letter-spacing: .02em; }

p { margin: 0 0 1em; }
p.lead { font-size: 1.18rem; color: var(--c-body); line-height: 1.55; }

/* ---------- Layout ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 1.25rem; }
.container-sm { max-width: var(--container-sm); margin: 0 auto; padding: 0 1.25rem; }
.section { padding: clamp(3rem, 7vw, 6rem) 0; }
.section-sm { padding: clamp(2.2rem, 5vw, 4rem) 0; }
.section-tight { padding: clamp(1.5rem, 3vw, 2.5rem) 0; }
.bg-soft { background: var(--c-bg-soft); }
.bg-navy { background: var(--c-navy); color: #d6dde9; }
.bg-navy h1, .bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy a { color: var(--c-sky); }
.bg-navy a:hover { color: #fff; }

.eyebrow {
  display: inline-block;
  font-size: .8rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--c-sky-700);
  font-weight: 700;
  margin-bottom: .8rem;
}
.eyebrow.gold { color: var(--c-gold-700); }
.section-head { max-width: 720px; margin: 0 auto clamp(1.8rem, 4vw, 3rem); text-align: center; }
.section-head.left { text-align: left; margin-left: 0; margin-right: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  padding: .85rem 1.5rem;
  font-weight: 600;
  font-size: .98rem;
  border-radius: var(--radius-pill);
  border: 1.5px solid transparent;
  cursor: pointer;
  text-decoration: none !important;
  white-space: nowrap;
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), background var(--duration) var(--ease), color var(--duration) var(--ease), border-color var(--duration) var(--ease);
  line-height: 1;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--c-sky); color: #fff; box-shadow: 0 6px 18px -8px var(--c-sky); }
.btn-primary:hover { background: var(--c-sky-700); color: #fff; }
.btn-navy { background: var(--c-navy); color: #fff; }
.btn-navy:hover { background: var(--c-navy-700); color: #fff; }
.btn-ghost { background: transparent; color: var(--c-navy); border-color: var(--c-navy); }
.btn-ghost:hover { background: var(--c-navy); color: #fff; }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-ghost-light:hover { background: #fff; color: var(--c-navy); }
.btn-link { background: none; color: var(--c-sky-700); padding: 0; border: 0; font-weight: 600; }
.btn-link:hover { color: var(--c-navy); }
.btn-lg { padding: 1.05rem 1.85rem; font-size: 1.05rem; }
.btn-sm { padding: .55rem 1rem; font-size: .88rem; }
.btn-block { display: flex; width: 100%; }

/* ---------- Header / navigation ---------- */
.topbar {
  background: var(--c-navy);
  color: #b7c4d8;
  font-size: .88rem;
  padding: .55rem 0;
}
.topbar a { color: #fff; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.topbar .sep { opacity: .35; padding: 0 .65rem; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(10px);
  -webkit-backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--c-line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: .8rem 0;
  gap: 1rem;
}
.nav-brand { display: flex; align-items: center; gap: .8rem; text-decoration: none; }
.nav-brand img { width: 44px; height: 44px; border-radius: 10px; }
.nav-brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-brand-text .name { font-family: var(--font-display); font-weight: 700; color: var(--c-navy); font-size: 1.18rem; letter-spacing: -.01em; }
.nav-brand-text .tag { font-size: .7rem; letter-spacing: .14em; color: var(--c-muted); text-transform: uppercase; font-weight: 600; }

.nav-menu {
  display: flex; align-items: center; gap: .4rem;
  list-style: none; margin: 0; padding: 0;
}
.nav-menu a {
  display: inline-block;
  padding: .55rem .95rem;
  color: var(--c-body);
  font-weight: 500;
  font-size: .96rem;
  border-radius: 8px;
}
.nav-menu a:hover, .nav-menu a.active { color: var(--c-navy); background: var(--c-bg-soft); }

.nav-cta { display: flex; gap: .6rem; align-items: center; }

.nav-toggle {
  display: none;
  background: transparent; border: 0;
  width: 44px; height: 44px;
  padding: 10px;
  border-radius: 8px;
}
.nav-toggle:hover { background: var(--c-bg-soft); }
.nav-toggle span {
  display: block; width: 100%; height: 2px;
  background: var(--c-navy);
  margin: 5px 0;
  transition: transform var(--duration) var(--ease), opacity var(--duration) var(--ease);
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: clamp(3rem, 7vw, 6rem) 0 clamp(3rem, 6vw, 5rem);
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(41,171,226,.16), transparent 60%),
    radial-gradient(800px 400px at -10% 110%, rgba(200,161,74,.10), transparent 60%),
    linear-gradient(180deg, #fbfdff 0%, #ffffff 80%);
  overflow: hidden;
}
.hero-grid {
  display: grid; grid-template-columns: 1.15fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: center;
}
.hero h1 { margin-bottom: 1rem; }
.hero p.lead { color: var(--c-body); margin-bottom: 1.8rem; max-width: 540px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-bottom: 1.6rem; }
.hero-trust { display: flex; gap: 1.8rem; flex-wrap: wrap; align-items: center; font-size: .9rem; color: var(--c-muted); }
.hero-trust strong { color: var(--c-ink); font-weight: 700; }
.hero-art {
  position: relative;
  aspect-ratio: 4 / 3;
  border-radius: var(--radius-lg);
  background:
    linear-gradient(135deg, var(--c-sky) 0%, var(--c-navy) 100%);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.hero-art-grid {
  position: absolute; inset: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); grid-template-rows: repeat(3, 1fr); gap: 1px;
  opacity: .14;
  background:
    linear-gradient(to right, rgba(255,255,255,.7) 1px, transparent 1px) 0 0/calc(100%/3) 100%,
    linear-gradient(to bottom, rgba(255,255,255,.7) 1px, transparent 1px) 0 0/100% calc(100%/3);
}
.hero-art-badge {
  position: absolute;
  background: rgba(255,255,255,.96);
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  box-shadow: var(--shadow);
  font-weight: 600;
  color: var(--c-ink);
  display: flex; align-items: center; gap: .7rem;
  font-size: .95rem;
}
.hero-art-badge .ico {
  width: 38px; height: 38px;
  background: var(--c-sky-50); color: var(--c-sky-700);
  border-radius: 10px;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.hero-art-badge.b1 { top: 8%; left: 6%; }
.hero-art-badge.b2 { bottom: 12%; right: 8%; }
.hero-art-badge.b3 { top: 50%; left: 50%; transform: translate(-50%,-50%); background: var(--c-gold); color: var(--c-ink); }
.hero-art-badge.b3 .ico { background: rgba(255,255,255,.55); color: var(--c-ink); }

/* Page hero (interior) */
.page-hero {
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(2rem, 4vw, 3rem);
  background:
    radial-gradient(900px 400px at 95% 0%, rgba(41,171,226,.14), transparent 60%),
    linear-gradient(180deg, var(--c-navy-50) 0%, #fff 100%);
  border-bottom: 1px solid var(--c-line);
}
.page-hero h1 { margin-bottom: .8rem; }
.page-hero .lead { max-width: 720px; }
.breadcrumb { font-size: .88rem; color: var(--c-muted); margin-bottom: 1rem; }
.breadcrumb a { color: var(--c-sky-700); }
.breadcrumb .sep { padding: 0 .4rem; color: var(--c-line); }

/* ---------- Cards & grids ---------- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--c-line);
  border-radius: var(--radius-lg);
  padding: 1.6rem;
  transition: transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease), border-color var(--duration) var(--ease);
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--c-sky); }
.card h3 { margin-bottom: .55rem; font-size: 1.2rem; }
.card p { color: var(--c-muted); margin: 0; font-size: .96rem; }

.card-link { display: block; text-decoration: none !important; color: inherit; height: 100%; }
.card-link .more {
  display: inline-flex; align-items: center; gap: .35rem;
  margin-top: 1rem; color: var(--c-sky-700);
  font-weight: 600; font-size: .95rem;
}
.card-link:hover .more { color: var(--c-navy); gap: .55rem; }

.card-ico {
  width: 52px; height: 52px;
  background: var(--c-sky-50); color: var(--c-sky-700);
  border-radius: 14px;
  display: grid; place-items: center;
  margin-bottom: 1.1rem;
}
.card-ico.gold { background: rgba(200,161,74,.13); color: var(--c-gold-700); }
.card-ico.navy { background: var(--c-navy-50); color: var(--c-navy); }

/* Trust bar */
.trust-bar {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  padding: 2rem 0;
  border-top: 1px solid var(--c-line);
  border-bottom: 1px solid var(--c-line);
}
.trust-item { display: flex; gap: .9rem; align-items: flex-start; }
.trust-item .num { font-family: var(--font-display); font-size: 2rem; line-height: 1; color: var(--c-navy); font-weight: 700; }
.trust-item .lbl { font-size: .85rem; color: var(--c-muted); line-height: 1.35; margin-top: .35rem; }

/* Feature list */
.feature-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.feature-list li {
  display: flex; align-items: flex-start; gap: .8rem;
  padding: .6rem 0;
  border-bottom: 1px solid var(--c-line-soft);
}
.feature-list li:last-child { border-bottom: 0; }
.feature-list li::before {
  content: ""; flex-shrink: 0;
  width: 22px; height: 22px;
  background: var(--c-sky-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231d8cbc' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/14px no-repeat;
  border-radius: 50%;
  margin-top: .15rem;
}
.feature-list.compact li { padding: .35rem 0; border: 0; }
.feature-list.compact li::before { width: 18px; height: 18px; background-size: 12px; }

.feature-list strong { color: var(--c-ink); }

/* Two-col split (used on service pages) */
.split { display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.split-aside {
  background: var(--c-bg-soft);
  border: 1px solid var(--c-line);
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  position: sticky; top: 100px;
}
.split-aside h3 { font-family: var(--font-sans); font-size: 1.05rem; margin-bottom: .8rem; }
.split-aside p { font-size: .94rem; color: var(--c-muted); margin-bottom: 1.2rem; }
.split-aside .contact-line { display: flex; align-items: center; gap: .55rem; padding: .4rem 0; font-size: .94rem; }

/* Callout / alert */
.callout {
  background: var(--c-bg-warm);
  border-left: 4px solid var(--c-gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.2rem 1.4rem;
  margin: 1.8rem 0;
}
.callout h4 { color: var(--c-navy); margin-bottom: .4rem; }
.callout p { margin: 0; color: var(--c-body); }
.callout.sky { background: var(--c-sky-50); border-left-color: var(--c-sky-700); }
.callout.navy { background: var(--c-navy-50); border-left-color: var(--c-navy); }

/* CTA band */
.cta-band {
  background:
    linear-gradient(135deg, var(--c-navy) 0%, var(--c-navy-700) 60%, var(--c-sky-700) 130%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 4vw, 3rem) clamp(1.5rem, 4vw, 3rem);
  display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: center;
}
.cta-band h2 { color: #fff; margin: 0 0 .4rem; }
.cta-band p { color: #c8d2e5; margin: 0; }
.cta-band .cta-actions { display: flex; gap: .8rem; flex-wrap: wrap; }

/* Testimonials */
.testimonial {
  background: #fff;
  border: 1px solid var(--c-line);
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  position: relative;
}
.testimonial::before {
  content: """;
  position: absolute; top: -12px; left: 1.5rem;
  font-family: var(--font-display);
  font-size: 4rem; line-height: 1;
  color: var(--c-sky);
}
.testimonial p { font-size: 1.05rem; color: var(--c-body); margin-bottom: 1rem; font-style: italic; }
.testimonial .author { color: var(--c-muted); font-size: .9rem; font-style: normal; font-weight: 500; }
.testimonial .stars { color: var(--c-gold); letter-spacing: .15em; margin-bottom: .8rem; }

/* Forms */
.form { display: grid; gap: 1.1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.field label {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  color: var(--c-ink);
  margin-bottom: .35rem;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: .8rem 1rem;
  border: 1.5px solid var(--c-line);
  border-radius: 10px;
  font-family: inherit; font-size: 1rem;
  color: var(--c-ink);
  background: #fff;
  transition: border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 0;
  border-color: var(--c-sky);
  box-shadow: 0 0 0 4px rgba(41,171,226,.15);
}
.field textarea { min-height: 130px; resize: vertical; }
.field .help { font-size: .8rem; color: var(--c-muted); margin-top: .35rem; }
.form .note { font-size: .82rem; color: var(--c-muted); }
.form-success {
  display: none;
  background: var(--c-sky-50);
  border: 1px solid var(--c-sky);
  border-radius: var(--radius);
  padding: 1.1rem 1.3rem;
  color: var(--c-navy);
}
.form-success.active { display: block; }
.form-error {
  display: none;
  background: #fff1f0;
  border: 1px solid #f5c2bd;
  border-radius: var(--radius);
  padding: .8rem 1rem;
  color: #a8261b;
  font-size: .9rem;
  margin-bottom: 1rem;
}
.form-error.active { display: block; }

/* FAQ accordion */
.faq { border-top: 1px solid var(--c-line); }
.faq-item { border-bottom: 1px solid var(--c-line); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 1.2rem 0;
  cursor: pointer;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--c-ink);
  background: none;
  border: 0;
  width: 100%;
  text-align: left;
}
.faq-q::after {
  content: "+";
  font-size: 1.6rem; line-height: 1; color: var(--c-sky-700);
  margin-left: 1rem;
  transition: transform var(--duration) var(--ease);
}
.faq-item.open .faq-q::after { content: "−"; }
.faq-a { display: none; padding: 0 0 1.4rem; color: var(--c-muted); font-size: .98rem; max-width: 780px; }
.faq-item.open .faq-a { display: block; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--c-navy);
  color: #b7c4d8;
  padding: 3.5rem 0 0;
  margin-top: 4rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}
.footer-grid h4 { color: #fff; font-family: var(--font-sans); font-weight: 600; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: .55rem; }
.footer-grid a { color: #b7c4d8; font-size: .94rem; }
.footer-grid a:hover { color: #fff; }
.footer-brand { display: flex; align-items: center; gap: .8rem; margin-bottom: 1rem; }
.footer-brand img { width: 50px; height: 50px; border-radius: 12px; }
.footer-brand .name { font-family: var(--font-display); font-weight: 700; color: #fff; font-size: 1.3rem; }
.footer-about p { color: #9aa9be; font-size: .92rem; line-height: 1.6; max-width: 360px; }
.footer-contact li { display: flex; gap: .55rem; align-items: flex-start; }
.footer-contact .ico { width: 18px; flex-shrink: 0; margin-top: 2px; color: var(--c-sky); }
.footer-bar {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.4rem 0;
  display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  font-size: .85rem; color: #8493ac;
}
.footer-bar a { color: #b7c4d8; }
.footer-licence { color: #8493ac; font-size: .82rem; }

/* ---------- Inline SVG icons ---------- */
.ico-svg { width: 1em; height: 1em; vertical-align: -.125em; fill: currentColor; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.text-muted { color: var(--c-muted); }
.text-navy { color: var(--c-navy); }
.text-sky { color: var(--c-sky-700); }
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 1rem; }
.mt-4 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 1rem; }
.mb-4 { margin-bottom: 2rem; }
.flex { display: flex; }
.gap-2 { gap: 1rem; }
.items-center { align-items: center; }
.flex-wrap { flex-wrap: wrap; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .trust-bar { grid-template-columns: repeat(2, 1fr); gap: 1.2rem 2rem; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-art { max-width: 520px; }
  .split { grid-template-columns: 1fr; }
  .split-aside { position: static; }
  .cta-band { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-menu { display: none; }
  .nav-toggle { display: block; }
  .nav-menu.open {
    display: flex; flex-direction: column;
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--c-line);
    box-shadow: var(--shadow);
    padding: .8rem 1.25rem 1.2rem;
    gap: .2rem;
  }
  .nav-menu.open a { padding: .85rem 1rem; width: 100%; min-height: 48px; display: flex; align-items: center; }
  .nav-menu.open li { width: 100%; }
}

/* ---------- Mobile-first refinements (touch targets, iOS zoom prevention) ---------- */
@media (max-width: 760px) {
  /* Touch targets: ensure all interactive elements meet 44x44 px minimum */
  .btn { min-height: 44px; padding: .95rem 1.5rem; }
  .btn-sm { min-height: 42px; padding: .7rem 1.1rem; font-size: .92rem; }
  .btn-lg { min-height: 52px; padding: 1.05rem 1.85rem; }
  .nav-toggle { min-width: 48px; min-height: 48px; }

  /* Prevent iOS auto-zoom on input focus (any input < 16px triggers zoom) */
  .field input, .field select, .field textarea { font-size: 16px; padding: .9rem 1rem; min-height: 48px; }
  .field textarea { min-height: 130px; }

  /* Sticky header padding */
  .site-header { padding: 0; }
  .nav { padding: .65rem 0; }
  .nav-brand img { width: 40px; height: 40px; }
  .nav-brand-text .name { font-size: 1.05rem; }
  .nav-brand-text .tag { font-size: .65rem; }

  /* Safe-area-inset for notched phones */
  body { padding-left: env(safe-area-inset-left); padding-right: env(safe-area-inset-right); }
  .topbar { padding-left: max(1rem, env(safe-area-inset-left)); padding-right: max(1rem, env(safe-area-inset-right)); }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .trust-bar { grid-template-columns: 1fr; gap: 1rem; padding: 1.5rem 0; }
  .form-row { grid-template-columns: 1fr; }
  .topbar { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }

  /* On phone, keep ONLY the phone CTA + menu toggle visible in header */
  .nav-cta .btn:not(.btn-phone):not(.nav-toggle) { display: none; }
  .nav-cta .btn.btn-phone {
    display: inline-flex;
    padding: .65rem 1rem;
    font-size: .92rem;
    min-height: 42px;
  }

  /* Tighter section padding on phones */
  .section { padding: 2.5rem 0; }
  .section-sm { padding: 2rem 0; }

  /* Hero text doesn't dominate the screen */
  .hero { padding: 2.5rem 0; }

  /* Stack hero CTAs full-width */
  .hero-cta .btn { width: 100%; justify-content: center; }
  .cta-actions .btn { width: 100%; justify-content: center; }

  /* CTA band stacking */
  .cta-band { padding: 2rem 1.5rem; }

  /* Touch target check on links inside lists */
  .nav-menu.open a { padding: 1rem; min-height: 48px; }
  .footer-grid a { padding: .25rem 0; display: inline-block; min-height: 32px; }
}

/* Reduced-motion accessibility */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .site-footer, .topbar, .nav-toggle, .cta-band { display: none; }
  body { color: #000; }
  a { color: #000; text-decoration: underline; }
}