:root{
  --ink:#0a1428;
  --ink-2:#0d1c3a;
  --navy:#14284e;
  --cream:#f4efe2;
  --cream-dim:rgba(244,239,226,.62);
  --cream-faint:rgba(244,239,226,.34);
  --brass:#c6a15b;
  --brass-bright:#e6ca8f;
  --line:rgba(198,161,91,.24);
  --maxw:1180px;
  --serif:"Fraunces",Georgia,serif;
  --sans:"Libre Franklin",-apple-system,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans);
  background:var(--ink);
  color:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
/* grain overlay */
body::after{
  content:"";
  position:fixed;inset:0;z-index:9999;pointer-events:none;
  opacity:.035;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px}
a{color:inherit;text-decoration:none}
.label{
  font-family:var(--sans);font-weight:600;
  font-size:.72rem;letter-spacing:.28em;text-transform:uppercase;
  color:var(--brass);
}
.serif{font-family:var(--serif)}

/* ---------- NAV ---------- */
header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  transition:background .4s ease,border-color .4s ease,padding .4s ease;
  border-bottom:1px solid transparent;
}
header.scrolled{
  background:rgba(11,20,15,.82);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:22px 0;transition:padding .4s ease}
header.scrolled .nav{padding:14px 0}
.brand{display:flex;align-items:center;gap:13px}
.brand img{height:52px;width:auto;display:block;transition:height .4s ease}
header.scrolled .brand img{height:42px}
.nav-links{display:flex;align-items:center;gap:38px}
.nav-links a{font-size:.9rem;color:var(--cream-dim);font-weight:400;position:relative;transition:color .25s}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-5px;width:0;height:1px;background:var(--brass);transition:width .3s ease}
.nav-links a:hover{color:var(--cream)}
.nav-links a:hover::after{width:100%}
.nav-links a.active{color:var(--cream)}
.nav-links a.active::after{width:100%}
.btn{
  display:inline-flex;align-items:center;gap:9px;
  font-family:var(--sans);font-weight:500;font-size:.88rem;
  padding:12px 22px;border-radius:2px;cursor:pointer;
  transition:all .3s ease;border:1px solid var(--brass);
  background:transparent;color:var(--brass);
}
.btn:hover{background:var(--brass);color:var(--ink);transform:translateY(-1px)}
.btn-solid{background:var(--brass);color:var(--ink)}
.btn-solid:hover{background:var(--brass-bright);border-color:var(--brass-bright)}
.menu-toggle{display:none;background:none;border:none;color:var(--cream);cursor:pointer;font-size:1.5rem}

/* ---------- HERO ---------- */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;padding:140px 0 80px;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(120% 80% at 78% 12%,rgba(198,161,91,.15),transparent 55%),
    radial-gradient(90% 90% at 12% 90%,rgba(20,40,78,.95),transparent 60%),
    linear-gradient(180deg,var(--ink) 0%,var(--ink-2) 100%);
}
.hero-bg .vignette{position:absolute;inset:0;box-shadow:inset 0 0 240px 40px rgba(0,0,0,.6)}
.hero .wrap{position:relative;z-index:2;width:100%}
.hero-grid{position:relative;display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center}
.eyebrow{display:flex;align-items:center;gap:14px;margin-bottom:28px}
.eyebrow .rule{width:46px;height:1px;background:var(--brass);opacity:.6}
h1.headline{
  font-family:var(--serif);font-weight:340;
  font-size:clamp(2.9rem,6.4vw,5.4rem);
  line-height:1.02;letter-spacing:-.015em;
  font-optical-sizing:auto;
}
h1.headline em{font-style:italic;font-weight:340;color:var(--brass-bright)}
.hero-sub{max-width:33ch;margin:30px 0 40px;font-size:1.12rem;color:var(--cream-dim);font-weight:300}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap}
.hero-meta{margin-top:52px;display:flex;gap:40px;flex-wrap:wrap}
.hero-meta .m{border-left:1px solid var(--line);padding-left:16px}
.hero-meta .m b{font-family:var(--serif);font-size:1.7rem;font-weight:400;display:block;line-height:1}
.hero-meta .m span{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cream-faint)}

/* ---------- HERO CREST WATERMARK ---------- */
.hero-crest{position:absolute;top:50%;right:-10%;transform:translateY(-50%);
  width:min(680px,66%);opacity:.06;pointer-events:none;z-index:0;
  -webkit-mask-image:radial-gradient(circle at 55% 50%,#000 30%,transparent 72%);
  mask-image:radial-gradient(circle at 55% 50%,#000 30%,transparent 72%);
  animation:drift 12s ease-in-out infinite}
@keyframes drift{0%,100%{transform:translateY(-50%)}50%{transform:translateY(-54%)}}
@media(max-width:900px){.hero-crest{opacity:.05;right:-30%;width:90%}}

/* ---------- QUOTE CARD ---------- */
.quote-card{position:relative;z-index:3;
  background:linear-gradient(180deg,rgba(20,40,78,.66),rgba(11,22,44,.72));
  border:1px solid var(--line);border-radius:7px;padding:32px 30px;
  backdrop-filter:blur(14px);box-shadow:0 40px 80px -24px rgba(0,0,0,.6)}
.quote-card::before{content:"";position:absolute;top:0;left:26px;right:26px;height:2px;
  background:linear-gradient(90deg,transparent,var(--brass),transparent)}
.qc-head{margin-bottom:20px}
.qc-head h3{font-family:var(--serif);font-weight:400;font-size:1.72rem;margin:9px 0 5px;letter-spacing:-.01em}
.qc-head p{font-size:.9rem;color:var(--cream-dim);font-weight:300;line-height:1.5}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field.full{grid-column:1/-1}
.field label{display:block;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cream-faint);margin-bottom:7px}
.field input:not([type=checkbox]):not([type=radio]),.field select{width:100%;padding:12px 14px;background:rgba(8,16,34,.7);
  border:1px solid var(--line);border-radius:3px;color:var(--cream);
  font-family:var(--sans);font-size:.94rem;transition:border-color .25s,box-shadow .25s;appearance:none}
.field input::placeholder{color:rgba(244,239,226,.28)}
.field select{cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23c6a15b' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:34px}
.field select:invalid{color:rgba(244,239,226,.4)}
.field option{background:#0d1c3a;color:var(--cream)}
.field optgroup{background:#0a1428;color:var(--brass);font-style:normal;font-weight:600}
.field input:not([type=checkbox]):not([type=radio]):focus,.field select:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(198,161,91,.15)}
.quote-card .submit{width:100%;justify-content:center;margin-top:8px;padding:15px;font-size:.95rem;font-weight:600}
.qc-fine{margin-top:14px;text-align:center;font-size:.75rem;color:var(--cream-faint);letter-spacing:.02em}
.qc-success{text-align:center;padding:28px 6px 12px;animation:fadeUp .6s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.qc-success .chk{width:56px;height:56px;margin:0 auto 18px;border-radius:50%;border:1px solid var(--brass);
  display:flex;align-items:center;justify-content:center;color:var(--brass);font-size:1.5rem}
.qc-success h3{font-family:var(--serif);font-weight:400;font-size:1.6rem;margin-bottom:10px}
.qc-success p{color:var(--cream-dim);font-weight:300;font-size:.96rem;max-width:30ch;margin:0 auto}

/* ---------- SECTION SHELL ---------- */
section{position:relative;padding:120px 0}
.sec-head{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:64px;flex-wrap:wrap}
.sec-head .idx{font-family:var(--serif);font-size:.9rem;color:var(--brass);opacity:.7}
h2.title{font-family:var(--serif);font-weight:360;font-size:clamp(2rem,4vw,3.1rem);line-height:1.08;letter-spacing:-.01em;max-width:16ch}
h2.title em{font-style:italic;color:var(--brass-bright)}
.sec-head p{max-width:34ch;color:var(--cream-dim);font-weight:300}

/* ---------- COLLECTIONS / CARD GRID ---------- */
.collections{background:linear-gradient(180deg,var(--ink) 0%,var(--ink-2) 100%)}
.col-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.col-card{background:var(--ink);padding:40px 34px;transition:background .4s ease;position:relative;overflow:hidden}
.col-card::before{content:"";position:absolute;top:0;left:0;width:0;height:2px;background:var(--brass);transition:width .45s ease}
.col-card:hover{background:var(--navy)}
.col-card:hover::before{width:100%}
.col-card .ic{width:38px;height:38px;color:var(--brass);margin-bottom:26px}
.col-card h3{font-family:var(--serif);font-weight:400;font-size:1.42rem;margin-bottom:10px}
.col-card p{font-size:.94rem;color:var(--cream-dim);font-weight:300}
.col-card .num{position:absolute;top:26px;right:30px;font-family:var(--serif);font-size:.82rem;color:var(--cream-faint)}

/* ---------- VALUES ---------- */
.values{background:var(--cream);color:#1a2019}
.values .label{color:#9a7b32}
.values h2.title em{color:#9a7b32}
.values .sec-head p{color:rgba(26,32,25,.66)}
.val-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0}
.val-item{padding:44px 40px;border-top:1px solid rgba(26,32,25,.14);display:flex;gap:24px}
.val-item:nth-child(odd){border-right:1px solid rgba(26,32,25,.14)}
.val-item .vn{font-family:var(--serif);font-size:1.4rem;color:#b58a34;flex:none;line-height:1.2}
.val-item h3{font-family:var(--serif);font-weight:500;font-size:1.4rem;margin-bottom:8px}
.val-item p{color:rgba(26,32,25,.68);font-size:.96rem;font-weight:400}

/* ---------- PROCESS / QUOTE BAND ---------- */
.band{position:relative;text-align:center;padding:130px 0;background:linear-gradient(180deg,var(--ink-2),var(--ink));overflow:hidden}
.band::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 50% 0%,rgba(198,161,91,.14),transparent 60%)}
.band .inner{position:relative;z-index:2}
.band h2{font-family:var(--serif);font-weight:340;font-size:clamp(2.2rem,5vw,4rem);line-height:1.05;letter-spacing:-.015em;max-width:20ch;margin:20px auto 34px}
.band h2 em{font-style:italic;color:var(--brass-bright)}
.band .btn{font-size:.95rem;padding:15px 30px}

/* ---------- FOOTER ---------- */
footer{background:var(--ink);border-top:1px solid var(--line);padding:70px 0 40px}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:56px}
.foot-top .brand{margin-bottom:18px}
.foot-col h4{font-size:.72rem;letter-spacing:.24em;text-transform:uppercase;color:var(--brass);margin-bottom:18px;font-weight:600}
.foot-col a{display:block;color:var(--cream-dim);font-size:.92rem;margin-bottom:11px;font-weight:300;transition:color .25s}
.foot-col a:hover{color:var(--cream)}
.foot-about p{color:var(--cream-dim);font-weight:300;font-size:.94rem;max-width:34ch;margin-top:4px}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:26px;border-top:1px solid var(--line);flex-wrap:wrap}
.foot-bottom p{font-size:.8rem;color:var(--cream-faint)}
.foot-legal{display:flex;gap:22px;flex-wrap:wrap}
.foot-legal a{font-size:.8rem;color:var(--cream-faint);transition:color .25s}
.foot-legal a:hover{color:var(--brass)}
.foot-license{margin-top:20px;font-size:.72rem;color:var(--cream-faint);line-height:1.6;opacity:.85;max-width:70ch}

/* ---------- REVEAL ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .9s cubic-bezier(.2,.7,.2,1),transform .9s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}.d4{transition-delay:.32s}.d5{transition-delay:.4s}

/* ================= INTERIOR PAGES ================= */
/* ---------- PAGE HERO ---------- */
.page-hero{position:relative;padding:190px 0 96px;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;z-index:0;
  background:radial-gradient(90% 130% at 82% -20%,rgba(198,161,91,.13),transparent 55%),linear-gradient(180deg,var(--ink),var(--ink-2))}
.page-hero .wrap{position:relative;z-index:2}
.page-hero .eyebrow{margin-bottom:24px}
.page-hero h1{font-family:var(--serif);font-weight:340;font-size:clamp(2.6rem,5.4vw,4.4rem);line-height:1.04;letter-spacing:-.015em;max-width:18ch}
.page-hero h1 em{font-style:italic;color:var(--brass-bright)}
.page-hero .lead{max-width:56ch;margin-top:26px;font-size:1.12rem;color:var(--cream-dim);font-weight:300}

/* ---------- COVERAGE CATEGORY CARDS ---------- */
a.col-card{display:block;color:inherit}
.col-card .incl{list-style:none;margin-top:18px;display:flex;flex-wrap:wrap;gap:7px 16px}
.col-card .incl li{font-size:.82rem;color:var(--cream-faint);position:relative;padding-left:14px}
.col-card .incl li::before{content:"";position:absolute;left:0;top:9px;width:5px;height:5px;background:var(--brass);border-radius:50%;opacity:.75}
.col-card .more{margin-top:22px;display:inline-flex;align-items:center;gap:8px;font-size:.82rem;color:var(--brass);font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.col-card .more span{transition:transform .3s}
a.col-card:hover .more span{transform:translateX(5px)}

/* ---------- COVERED PERILS ---------- */
.perils-sec{background:linear-gradient(180deg,var(--ink-2),var(--ink))}
.peril-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.peril{background:var(--ink);padding:32px 30px;display:flex;gap:18px;align-items:flex-start}
.peril svg{width:28px;height:28px;color:var(--brass);flex:none;margin-top:2px}
.peril h4{font-family:var(--serif);font-weight:400;font-size:1.16rem;margin-bottom:6px}
.peril p{font-size:.88rem;color:var(--cream-dim);font-weight:300}

/* ---------- GUILD / ABOUT ---------- */
.guild-two{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:start}
.statement{font-family:var(--serif);font-weight:340;font-size:clamp(1.9rem,3.4vw,2.9rem);line-height:1.18;letter-spacing:-.01em;max-width:14ch}
.statement em{font-style:italic;color:var(--brass-bright)}
.guild-two .body p{color:var(--cream-dim);font-weight:300;font-size:1.04rem;margin-bottom:18px}
.guild-two .body p:last-child{margin-bottom:0}

.backed{background:linear-gradient(180deg,var(--ink-2),var(--ink))}
.backed-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.backed-item{background:var(--ink);padding:34px 30px}
.backed-item .k{font-family:var(--serif);font-size:.9rem;color:var(--brass);opacity:.8;margin-bottom:16px}
.backed-item h4{font-family:var(--serif);font-weight:400;font-size:1.24rem;margin-bottom:9px}
.backed-item p{color:var(--cream-dim);font-weight:300;font-size:.94rem}

.serve{display:flex;flex-wrap:wrap;gap:12px;margin-top:4px}
.serve span{border:1px solid var(--line);border-radius:100px;padding:10px 20px;font-size:.92rem;color:var(--cream-dim);transition:border-color .25s,color .25s}
.serve span:hover{border-color:var(--brass);color:var(--cream)}

.founder{background:var(--cream);color:#1a2019}
.founder .wrap{max-width:840px}
.founder .label{color:#9a7b32}
.founder blockquote{font-family:var(--serif);font-weight:360;font-size:clamp(1.5rem,2.7vw,2.15rem);line-height:1.34;letter-spacing:-.01em;margin:24px 0 30px}
.founder .body p{color:rgba(26,32,25,.72);font-weight:400;font-size:1.02rem;margin-bottom:16px}
.founder .sig{font-family:var(--serif);font-style:italic;font-size:1.6rem;color:#1a2019;margin-top:26px}
.founder .sig small{display:block;font-family:var(--sans);font-style:normal;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:#9a7b32;margin-top:10px}
@media(max-width:840px){.guild-two{grid-template-columns:1fr;gap:28px}.backed-grid{grid-template-columns:1fr}}

/* ---------- STEPS (HOW IT WORKS) ---------- */
.steps{max-width:880px;margin:0 auto}
.step{display:grid;grid-template-columns:70px 1fr;gap:30px;padding:40px 0;border-top:1px solid var(--line)}
.step:first-child{border-top:none;padding-top:0}
.step .n{font-family:var(--serif);font-size:2.5rem;font-weight:340;color:var(--brass);line-height:.9}
.step h3{font-family:var(--serif);font-weight:400;font-size:1.55rem;margin-bottom:12px;letter-spacing:-.01em}
.step p{color:var(--cream-dim);font-weight:300;font-size:1.02rem;max-width:58ch}
.step .tag{display:inline-flex;align-items:center;gap:8px;margin-top:16px;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);font-weight:600}
.step .tag span{transition:transform .3s}
.step a.tag:hover span{transform:translateX(4px)}
@media(max-width:560px){.step{grid-template-columns:1fr;gap:8px}.step .n{font-size:2rem}}

/* ---------- DUO (WHAT YOU'LL NEED) ---------- */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}
@media(max-width:760px){.duo{grid-template-columns:1fr}}

/* ---------- CONTACT ---------- */
.contact-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:56px;align-items:start}
.ci-row{display:flex;gap:18px;align-items:flex-start;padding:22px 0;border-top:1px solid var(--line)}
.ci-row:first-child{border-top:none;padding-top:0}
.ci-row svg{width:26px;height:26px;color:var(--brass);flex:none;margin-top:3px;transition:color .25s}
.ci-row .v{font-family:var(--serif);font-size:1.3rem;color:var(--cream);display:block;transition:color .25s;line-height:1.2}
.ci-row:hover .v,.ci-row:hover svg{color:var(--brass-bright)}
.ci-row small{display:block;font-size:.88rem;color:var(--cream-dim);font-weight:300;margin-top:6px}
.ci-cta{margin-top:28px;padding:28px;border:1px solid var(--line);border-radius:6px;
  background:linear-gradient(180deg,rgba(20,40,78,.42),rgba(11,22,44,.42))}
.ci-cta .k{font-family:var(--serif);font-size:1.28rem;color:var(--cream);margin-bottom:7px}
.ci-cta small{display:block;font-size:.92rem;color:var(--cream-dim);font-weight:300;margin-bottom:18px;line-height:1.5}
.ci-cta .btn{width:100%;justify-content:center}
.field textarea{width:100%;padding:12px 14px;background:rgba(8,16,34,.7);border:1px solid var(--line);border-radius:3px;
  color:var(--cream);font-family:var(--sans);font-size:.94rem;transition:border-color .25s,box-shadow .25s;resize:vertical;min-height:120px;line-height:1.55}
.field textarea::placeholder{color:rgba(244,239,226,.28)}
.field textarea:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(198,161,91,.15)}
@media(max-width:840px){.contact-grid{grid-template-columns:1fr;gap:36px}}

/* ---------- QUOTE APPLICATION ---------- */
.appwrap{max-width:780px;margin:0 auto}
.resume-note{display:flex;align-items:center;gap:12px;padding:14px 18px;margin-bottom:26px;
  border:1px solid var(--line);border-radius:5px;background:rgba(198,161,91,.09);font-size:.92rem;color:var(--cream-dim)}
.resume-note b{color:var(--cream);font-weight:600}
.form-section{padding:34px 0;border-top:1px solid var(--line)}
.form-section:first-of-type{border-top:none;padding-top:0}
.fs-head{display:flex;align-items:baseline;gap:12px;margin-bottom:22px}
.fs-head .n{font-family:var(--serif);color:var(--brass);font-size:.95rem;opacity:.8}
.fs-head h3{font-family:var(--serif);font-weight:400;font-size:1.4rem;letter-spacing:-.01em}
.fs-note{font-size:.82rem;color:var(--cream-faint);font-weight:300;margin:-10px 0 18px}
.form-row-3{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:14px}
.opts{display:flex;flex-wrap:wrap;gap:12px 22px;margin-top:2px}
.opt{display:inline-flex;align-items:center;gap:9px;font-size:.93rem;color:var(--cream-dim);cursor:pointer}
.opt input[type=checkbox],.consent input[type=checkbox]{appearance:none;-webkit-appearance:none;width:19px;height:19px;flex:none;margin:0;cursor:pointer;
  border:1px solid var(--line);border-radius:4px;background:rgba(8,16,34,.7);position:relative;
  transition:background .15s ease,border-color .15s ease}
.opt input[type=checkbox]:hover,.consent input[type=checkbox]:hover{border-color:var(--brass)}
.opt input[type=checkbox]:checked,.consent input[type=checkbox]:checked{background:var(--brass);border-color:var(--brass)}
.opt input[type=checkbox]:checked::after,.consent input[type=checkbox]:checked::after{content:"";position:absolute;left:6px;top:2.5px;width:5px;height:9px;
  border:solid var(--ink);border-width:0 2px 2px 0;transform:rotate(45deg)}
.opt input[type=checkbox]:focus-visible,.consent input[type=checkbox]:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.consent{display:flex;gap:13px;align-items:flex-start;margin:4px 0 20px;font-size:.85rem;
  color:var(--cream-dim);font-weight:300;line-height:1.5;cursor:pointer}
.consent input[type=checkbox]{margin-top:2px}
.cond[hidden]{display:none}
@media(max-width:560px){.form-row-3{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.faq-list{max-width:840px;margin:0 auto}
.faq-item{border-top:1px solid var(--line)}
.faq-item:last-child{border-bottom:1px solid var(--line)}
.faq-item summary{list-style:none;cursor:pointer;padding:26px 0;display:flex;justify-content:space-between;gap:24px;align-items:center;
  font-family:var(--serif);font-size:1.22rem;font-weight:400;color:var(--cream);transition:color .2s}
.faq-item summary:hover{color:var(--brass-bright)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .pm{flex:none;width:22px;height:22px;position:relative}
.faq-item summary .pm::before,.faq-item summary .pm::after{content:"";position:absolute;background:var(--brass);top:50%;left:50%;transform:translate(-50%,-50%)}
.faq-item summary .pm::before{width:14px;height:2px}
.faq-item summary .pm::after{width:2px;height:14px;transition:opacity .3s}
.faq-item[open] summary .pm::after{opacity:0}
.faq-item .faq-a{padding:0 0 26px;color:var(--cream-dim);font-weight:300;max-width:74ch;line-height:1.7}
.faq-item .faq-a a{color:var(--brass);text-decoration:underline}

/* ---------- LEGAL ---------- */
.legal{max-width:800px;margin:0 auto}
.legal .updated{font-size:.85rem;color:var(--cream-faint);margin-bottom:26px}
.legal h2{font-family:var(--serif);font-weight:400;font-size:1.5rem;margin:38px 0 12px;color:var(--cream)}
.legal p{color:var(--cream-dim);font-weight:300;line-height:1.75;margin-bottom:14px}
.legal ul{padding-left:20px;margin:0 0 14px}
.legal li{color:var(--cream-dim);font-weight:300;line-height:1.7;margin-bottom:8px}
.legal a{color:var(--brass);text-decoration:underline}

/* ---------- RESPONSIVE ---------- */
@media(max-width:900px){
  .menu-toggle{display:block}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:rgba(9,17,33,.98);backdrop-filter:blur(14px);border-top:1px solid var(--line);border-bottom:1px solid var(--line);
    padding:8px 32px 22px}
  .nav-links.open{display:flex}
  .nav-links a{padding:15px 2px;font-size:1rem;border-bottom:1px solid rgba(198,161,91,.12)}
  .nav-links a::after{display:none}
  .nav-links a.btn-solid{margin-top:16px;justify-content:center;border-bottom:none}
  .hero{min-height:auto;padding:130px 0 70px}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .col-grid{grid-template-columns:1fr 1fr}
  .peril-grid{grid-template-columns:1fr 1fr}
  .val-grid{grid-template-columns:1fr}
  .val-item:nth-child(odd){border-right:none}
  .foot-top{grid-template-columns:1fr 1fr}
  .page-hero{padding:150px 0 76px}
}
@media(max-width:560px){
  .wrap{padding:0 22px}
  .col-grid{grid-template-columns:1fr}
  .peril-grid{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr}
  .hero-meta{gap:24px}
}