/* ============================================================
   JustInsure — shared design system
   Palette (fair.com.au): navy #202246 · sky #50A7DA · mint #3CC29A
   orange #F59C40 · coral #FF806F · soft #EAF3FA / #F6FBFF
   ============================================================ */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:clip}
body{font-family:'DM Sans',sans-serif;color:#2d3142;background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden;-webkit-text-size-adjust:100%}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
:root{
  --navy:#202246;--navy2:#1a1a4e;--sky:#50A7DA;--mint:#3CC29A;--orange:#F59C40;
  --coral:#FF806F;--soft:#EAF3FA;--soft2:#F6FBFF;--muted:#64748b;--faint:#94a3b8;
  --serif:'DM Serif Display',serif;
}

/* ===== TOPBAR ===== */
.topbar{position:fixed;top:0;left:0;right:0;z-index:300;transition:all .4s}
.topbar.scrolled{background:rgba(255,255,255,.94);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);box-shadow:0 1px 40px rgba(32,34,70,.08)}
.topbar-inner{max-width:1280px;margin:0 auto;padding:0 40px;height:82px;display:flex;align-items:center;justify-content:space-between}
.topbar .logo img{height:34px;transition:filter .4s}
.topbar:not(.scrolled) .logo img{filter:brightness(0) invert(1)}
.desk-nav{display:flex;align-items:center;gap:34px}
.desk-nav a{font-size:14.5px;font-weight:500;color:rgba(255,255,255,.85);transition:color .3s;position:relative}
.desk-nav a:not(.desk-cta)::after{content:'';position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--orange);border-radius:2px;transition:width .3s}
.desk-nav a:not(.desk-cta):hover::after,.desk-nav a.active::after{width:100%}
.topbar.scrolled .desk-nav a{color:#64748b}
.desk-nav a:hover{color:#fff}
.topbar.scrolled .desk-nav a:hover{color:var(--navy)}
.desk-cta{background:var(--orange);color:#fff!important;padding:13px 30px;border-radius:50px;font-weight:700;font-size:14px;letter-spacing:.3px;transition:all .3s;box-shadow:0 4px 16px rgba(245,156,64,.35)}
.desk-cta:hover{background:#e08a2e;transform:translateY(-2px);box-shadow:0 6px 24px rgba(245,156,64,.45)}
.mob-bar{display:none;align-items:center;gap:12px}
.mob-cta-sm{background:var(--orange);color:#fff;padding:9px 20px;border-radius:50px;font-weight:700;font-size:13px}
.ham{background:none;border:none;cursor:pointer;padding:4px;display:flex;flex-direction:column;gap:5px}
.ham span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:all .3s}
.topbar.scrolled .ham span{background:var(--navy)}
.ham.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.ham.active span:nth-child(2){opacity:0}
.ham.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-menu{position:fixed;inset:0;background:rgba(32,34,70,.97);z-index:250;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;opacity:0;pointer-events:none;transition:opacity .35s}
.mob-menu.open{opacity:1;pointer-events:all}
.mob-menu a{font-family:var(--serif);font-size:32px;color:#fff;padding:12px 0;transition:color .2s}
.mob-menu a:hover{color:var(--orange)}
.mob-menu .mob-menu-cta{font-family:'DM Sans',sans-serif;background:var(--orange);color:#fff;padding:14px 40px;border-radius:50px;font-size:16px;font-weight:700;margin-top:20px}

/* ===== HERO (full-bleed photo) ===== */
.hero{min-height:92vh;position:relative;display:flex;align-items:center;overflow:hidden}
.hero-photo{position:absolute;inset:0;z-index:0}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-photo::after{content:'';position:absolute;inset:0;background:linear-gradient(100deg,rgba(26,26,60,.94) 0%,rgba(32,34,70,.82) 42%,rgba(32,34,70,.45) 75%,rgba(32,34,70,.30) 100%)}
.hero-photo::before{content:'';position:absolute;inset:0;z-index:1;background:radial-gradient(ellipse at 85% 15%,rgba(80,167,218,.22),transparent 55%)}
.hero-inner{max-width:1280px;margin:0 auto;padding:150px 40px 90px;width:100%;position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero-inner.hero-solo{grid-template-columns:1fr;max-width:900px;text-align:center}
.hero-left{animation:fadeSlide 1s ease both}
@keyframes fadeSlide{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:none}}
.overline{font-size:13px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--orange);margin-bottom:22px;display:flex;align-items:center;gap:10px}
.overline::before{content:'';width:32px;height:2px;background:var(--orange);border-radius:2px}
.hero-left h1{font-family:var(--serif);font-size:60px;color:#fff;line-height:1.07;margin-bottom:22px;letter-spacing:-1px}
.hero-left h1 em,.hero-left h1 span{font-style:normal;color:var(--sky)}
.hero-left .sub{font-size:18px;color:rgba(255,255,255,.72);line-height:1.75;margin-bottom:36px;max-width:500px}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:44px}
.btn-primary{background:var(--orange);color:#fff;padding:17px 38px;border-radius:50px;font-weight:700;font-size:15px;transition:all .3s;box-shadow:0 4px 20px rgba(245,156,64,.4);display:inline-flex;align-items:center;gap:10px}
.btn-primary:hover{background:#e08a2e;transform:translateY(-3px);box-shadow:0 8px 30px rgba(245,156,64,.5)}
.btn-primary svg{width:18px;height:18px;stroke:#fff;fill:none;stroke-width:2}
.btn-ghost{color:#fff;padding:17px 38px;border-radius:50px;font-weight:700;font-size:15px;border:2px solid rgba(255,255,255,.3);transition:all .3s;display:inline-flex;align-items:center;gap:10px;backdrop-filter:blur(4px)}
.btn-ghost:hover{border-color:rgba(255,255,255,.6);background:rgba(255,255,255,.1);transform:translateY(-3px)}
.btn-ghost svg{width:18px;height:18px;stroke:#fff;fill:none;stroke-width:2}
.hero-badges{display:flex;gap:26px;flex-wrap:wrap}
.hero-badges .hb{display:flex;align-items:center;gap:8px;font-size:14px;color:rgba(255,255,255,.75);font-weight:600}
.hero-badges .hb svg{width:20px;height:20px;stroke:var(--mint);fill:none;stroke-width:2.5}

/* ===== FORM CARD (photo header) ===== */
.hero-right{animation:fadeSlide 1s ease .25s both}
.form-card{background:#fff;border-radius:22px;box-shadow:0 30px 80px rgba(10,12,40,.45);overflow:hidden}
.fc-img{position:relative;height:150px;overflow:hidden}
.fc-img img{width:100%;height:100%;object-fit:cover}
.fc-img::after{content:'';position:absolute;inset:0;background:linear-gradient(to top,rgba(32,34,70,.65),rgba(32,34,70,.05) 60%)}
.fc-img .fc-tag{position:absolute;left:20px;bottom:14px;z-index:2;display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.16);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:7px 15px;border-radius:50px}
.fc-img .fc-tag svg{width:14px;height:14px;stroke:#fff;fill:none;stroke-width:2.5}
.fc-body{padding:28px 30px 26px}
.form-header{text-align:center;margin-bottom:22px}
.form-header h2{font-family:var(--serif);font-size:24px;color:var(--navy);margin-bottom:6px}
.form-header p{font-size:13px;color:var(--muted);line-height:1.5}
.form-row{display:flex;gap:14px}
.form-row .fg{flex:1}
.fg{margin-bottom:14px;position:relative}
.fg label{display:block;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:6px;letter-spacing:.3px}
.fg input,.fg select{width:100%;padding:13px 16px;font-size:14px;font-family:'DM Sans',sans-serif;border:1.5px solid #dce4ed;border-radius:12px;background:#f8f9fc;color:var(--navy);transition:border-color .25s,box-shadow .25s,background .25s;-webkit-appearance:none;appearance:none}
.fg select{background:#f8f9fc url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:40px}
.fg input:focus,.fg select:focus{outline:none;border-color:var(--sky);background:#fff;box-shadow:0 0 0 4px rgba(80,167,218,.12)}
.fg input::placeholder{color:var(--faint)}
.consent{display:flex;gap:10px;align-items:flex-start;margin:18px 0 20px;padding:14px 16px;background:#f8f9fc;border-radius:12px;border:1px solid #e8ecf2}
.consent input[type=checkbox]{width:18px;height:18px;min-width:18px;margin-top:2px;accent-color:var(--sky);cursor:pointer}
.consent label{font-size:11px;color:var(--muted);line-height:1.65;cursor:pointer}
.consent a{color:var(--sky);font-weight:700;text-decoration:underline;text-decoration-color:rgba(80,167,218,.3);text-underline-offset:2px}
.submit-btn{width:100%;padding:16px;font-size:16px;font-weight:700;font-family:'DM Sans',sans-serif;color:#fff;background:var(--orange);border:none;border-radius:12px;cursor:pointer;transition:all .3s;letter-spacing:.2px;box-shadow:0 4px 20px rgba(245,156,64,.35)}
.submit-btn:hover{background:#e08a2e;transform:translateY(-2px);box-shadow:0 8px 30px rgba(245,156,64,.45)}
.submit-btn:disabled{background:var(--faint);cursor:not-allowed;transform:none;box-shadow:none}
.secure-note{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:13px;font-size:11px;color:var(--faint);font-weight:500}
.secure-note svg{width:13px;height:13px;stroke:var(--faint);fill:none;stroke-width:2}
.thankyou{display:none;text-align:center;padding:52px 24px}
.ty-icon{width:80px;height:80px;border-radius:50%;background:linear-gradient(135deg,rgba(60,194,154,.12),rgba(80,167,218,.12));display:flex;align-items:center;justify-content:center;margin:0 auto 24px}
.ty-icon svg{width:40px;height:40px;stroke:var(--mint);fill:none;stroke-width:2}
.thankyou h3{font-family:var(--serif);font-size:26px;color:var(--navy);margin-bottom:10px}
.thankyou p{font-size:15px;color:var(--muted);line-height:1.7;max-width:360px;margin:0 auto}

/* ===== WAVE ===== */
.wave{position:relative;margin-top:-2px}
.wave svg{display:block;width:100%}

/* ===== SECTION SHARED ===== */
.sec{padding:110px 40px}
.sec-inner{max-width:1200px;margin:0 auto}
.sec-overline{font-size:13px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--orange);margin-bottom:16px;display:flex;align-items:center;gap:10px}
.sec-overline::before{content:'';width:32px;height:2px;background:var(--orange);border-radius:2px}
.sec-overline.center{justify-content:center}
.sec-heading{font-family:var(--serif);font-size:46px;color:var(--navy);line-height:1.1;margin-bottom:16px;letter-spacing:-.5px}
.sec-sub{font-size:17px;color:var(--faint);max-width:540px;line-height:1.7}
.sec-head-c{text-align:center;margin-bottom:64px}
.sec-head-c .sec-heading{margin-left:auto;margin-right:auto}
.sec-head-c .sec-sub{margin:0 auto}

/* ===== STATS BAND ===== */
.stats-band{background:#fff;padding:44px 0;overflow:hidden;border-bottom:1px solid #eef2f7}
.stats-track{display:flex;gap:64px;animation:marquee 22s linear infinite;width:max-content}
@keyframes marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.stat-item{display:flex;align-items:center;gap:16px;white-space:nowrap}
.stat-item .si-num{font-family:var(--serif);font-size:40px;color:var(--navy);letter-spacing:-1px}
.stat-item .si-label{font-size:13px;color:var(--faint);font-weight:500;line-height:1.4}
.stat-item .si-dot{width:6px;height:6px;border-radius:50%;background:var(--orange);flex-shrink:0}

/* ===== PHOTO CARDS (services / why) ===== */
.pgrid{display:grid;gap:24px}
.pgrid.cols-2{grid-template-columns:repeat(2,1fr)}
.pgrid.cols-3{grid-template-columns:repeat(3,1fr)}
.pcard{position:relative;border-radius:24px;overflow:hidden;height:400px;cursor:pointer;display:block}
.pcard img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.16,1,.3,1)}
.pcard:hover img{transform:scale(1.07)}
.pcard-ov{position:absolute;inset:0;background:linear-gradient(to top,rgba(32,34,70,.92) 0%,rgba(32,34,70,.35) 52%,rgba(32,34,70,.08) 100%);transition:background .4s}
.pcard:hover .pcard-ov{background:linear-gradient(to top,rgba(32,34,70,.96) 0%,rgba(32,34,70,.55) 52%,rgba(32,34,70,.18) 100%)}
.pcard-c{position:absolute;bottom:0;left:0;right:0;padding:34px;z-index:2}
.pcard-tag{display:inline-block;background:rgba(255,255,255,.16);backdrop-filter:blur(8px);padding:6px 14px;border-radius:50px;font-size:11px;font-weight:700;color:#fff;letter-spacing:1px;text-transform:uppercase;margin-bottom:14px}
.pcard-c h3{font-family:var(--serif);font-size:27px;color:#fff;margin-bottom:10px}
.pcard-c p{font-size:14px;color:rgba(255,255,255,.75);line-height:1.65;margin-bottom:16px;max-width:380px}
.pcard-arrow{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:700;color:var(--orange);transition:gap .3s}
.pcard-arrow svg{width:18px;height:18px;stroke:var(--orange);fill:none;stroke-width:2.5;transition:transform .3s}
.pcard:hover .pcard-arrow{gap:14px}
.pcard:hover .pcard-arrow svg{transform:translateX(4px)}

/* ===== STEPS (photo circles) ===== */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:44px;position:relative}
.steps-grid::before{content:'';position:absolute;top:70px;left:calc(16.67% + 70px);right:calc(16.67% + 70px);height:2px;background:linear-gradient(90deg,var(--sky),var(--mint),var(--orange));border-radius:2px;opacity:.25}
.step-card{text-align:center;position:relative}
.step-photo{width:140px;height:140px;border-radius:50%;overflow:hidden;margin:0 auto 22px;position:relative;z-index:1;box-shadow:0 14px 40px rgba(32,34,70,.16);border:5px solid #fff}
.step-photo img{width:100%;height:100%;object-fit:cover}
.step-num{width:40px;height:40px;border-radius:50%;background:var(--orange);color:#fff;font-family:var(--serif);font-size:20px;display:flex;align-items:center;justify-content:center;margin:-42px auto 18px;position:relative;z-index:2;box-shadow:0 6px 16px rgba(245,156,64,.4);border:3px solid #fff}
.step-card:nth-child(2) .step-num{background:var(--mint);box-shadow:0 6px 16px rgba(60,194,154,.4)}
.step-card:nth-child(3) .step-num{background:var(--sky);box-shadow:0 6px 16px rgba(80,167,218,.4)}
.step-card h3{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:10px}
.step-card p{font-size:15px;color:var(--muted);line-height:1.7;max-width:300px;margin:0 auto}

/* ===== SPLIT FEATURE (photo + list) ===== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}
.split-visual{position:relative}
.split-visual .sv-main{width:100%;border-radius:24px;box-shadow:0 24px 64px rgba(32,34,70,.15)}
.split-visual .sv-accent{position:absolute;width:100%;height:100%;top:18px;left:18px;border-radius:24px;border:2px solid rgba(80,167,218,.2);z-index:-1}
.split-visual .sv-float{position:absolute;bottom:-26px;right:-20px;width:200px;border-radius:18px;border:5px solid #fff;box-shadow:0 18px 44px rgba(32,34,70,.22)}
.split-visual .sv-pill{position:absolute;top:22px;left:-24px;background:#fff;border-radius:16px;padding:14px 20px;display:flex;align-items:center;gap:12px;box-shadow:0 14px 40px rgba(32,34,70,.16);animation:floatY 4s ease-in-out infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.sv-pill .svp-ico{width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--mint),#2da57e);display:flex;align-items:center;justify-content:center}
.sv-pill .svp-ico svg{width:20px;height:20px;stroke:#fff;fill:none;stroke-width:2.5}
.sv-pill strong{font-size:16px;color:var(--navy);display:block}
.sv-pill span{font-size:11px;color:var(--faint)}
.trust-list{display:flex;flex-direction:column;gap:30px;margin-top:44px}
.trust-row2{display:flex;gap:20px;align-items:flex-start}
.trust-ico{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.trust-ico svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:2}
.trust-ico.ti-1{background:linear-gradient(135deg,var(--sky),#3d94c7)}
.trust-ico.ti-2{background:linear-gradient(135deg,var(--mint),#2da57e)}
.trust-ico.ti-3{background:linear-gradient(135deg,var(--orange),#d4862e)}
.trust-ico.ti-4{background:linear-gradient(135deg,var(--coral),#e06a58)}
.trust-row2 h4{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:6px}
.trust-row2 p{font-size:14px;color:var(--muted);line-height:1.7}

/* ===== TESTIMONIALS (navy w/ photo) ===== */
.reviews-sec{padding:110px 40px;background:var(--navy);position:relative;overflow:hidden}
.reviews-bg{position:absolute;inset:0;opacity:.08}
.reviews-bg img{width:100%;height:100%;object-fit:cover}
.reviews-sec::after{content:'';position:absolute;top:-50%;right:-20%;width:60%;height:200%;background:radial-gradient(ellipse,rgba(80,167,218,.1),transparent 60%)}
.reviews-inner{max-width:1200px;margin:0 auto;position:relative;z-index:2}
.reviews-header{text-align:center;margin-bottom:60px}
.reviews-header .sec-overline{justify-content:center;color:var(--sky)}
.reviews-header .sec-overline::before{background:var(--sky)}
.reviews-header .sec-heading{color:#fff}
.reviews-header p{font-size:17px;color:rgba(255,255,255,.45)}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.rev-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:24px;padding:38px 32px;transition:all .4s;backdrop-filter:blur(6px)}
.rev-card:hover{background:rgba(255,255,255,.1);transform:translateY(-6px)}
.rev-quote{font-size:48px;font-family:var(--serif);color:rgba(80,167,218,.35);line-height:1;margin-bottom:8px}
.rev-card blockquote{font-size:15px;color:rgba(255,255,255,.8);line-height:1.8;margin-bottom:26px}
.rev-stars{color:#FADB5E;font-size:16px;letter-spacing:3px;margin-bottom:18px}
.rev-author{display:flex;align-items:center;gap:14px}
.rev-avatar{width:50px;height:50px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.15)}
.rev-author strong{font-size:14px;color:#fff;display:block;font-weight:600}
.rev-author span{font-size:12px;color:rgba(255,255,255,.4)}

/* ===== PARTNERS ===== */
.partners{background:var(--soft2);padding:52px 24px;text-align:center;border-bottom:1px solid #e8f0f8}
.partners-label{font-size:11px;font-weight:700;color:var(--faint);text-transform:uppercase;letter-spacing:2px;margin-bottom:22px}
.partners-logos{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:14px 40px}
.partner-tag{font-size:17px;font-weight:700;color:var(--navy);opacity:.38;transition:opacity .3s;letter-spacing:.5px}
.partner-tag:hover{opacity:.85}

/* ===== CTA BAND (photo bg) ===== */
.cta-band{position:relative;padding:120px 40px;overflow:hidden;text-align:center}
.cta-band-bg{position:absolute;inset:0}
.cta-band-bg img{width:100%;height:100%;object-fit:cover}
.cta-band-bg::after{content:'';position:absolute;inset:0;background:linear-gradient(120deg,rgba(26,26,60,.93),rgba(32,34,70,.82))}
.cta-band-inner{position:relative;z-index:2;max-width:760px;margin:0 auto}
.cta-band .sec-overline{justify-content:center}
.cta-band h2{font-family:var(--serif);font-size:46px;color:#fff;line-height:1.12;margin-bottom:18px;letter-spacing:-.5px}
.cta-band p{font-size:17px;color:rgba(255,255,255,.7);margin-bottom:40px;line-height:1.7}

/* ===== CTA TILES (index) ===== */
.cta-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:48px}
.cta-tile{position:relative;border-radius:18px;overflow:hidden;height:190px;display:block}
.cta-tile img{width:100%;height:100%;object-fit:cover;transition:transform .6s cubic-bezier(.16,1,.3,1)}
.cta-tile:hover img{transform:scale(1.08)}
.cta-tile::after{content:'';position:absolute;inset:0;background:linear-gradient(to top,rgba(32,34,70,.88),rgba(32,34,70,.25))}
.cta-tile-c{position:absolute;bottom:0;left:0;right:0;padding:20px;z-index:2;text-align:left}
.cta-tile-c h4{font-size:16px;font-weight:700;color:#fff;margin-bottom:3px}
.cta-tile-c p{font-size:12.5px;color:rgba(255,255,255,.7);margin:0}

/* ===== FOOTER ===== */
.footer{background:var(--navy);padding:80px 40px 32px}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px}
.footer-brand p{font-size:14px;color:rgba(255,255,255,.38);line-height:1.8;margin-top:20px;max-width:300px}
.footer-col h4{font-size:11px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:2px;margin-bottom:20px}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,.38);margin-bottom:14px;transition:color .2s}
.footer-col a:hover{color:var(--sky)}
.footer-line{border:none;border-top:1px solid rgba(255,255,255,.07);margin-bottom:28px}
.footer-disc{font-size:11px;color:rgba(255,255,255,.28);line-height:2;margin-bottom:24px;max-width:920px}
.footer-bottom{display:flex;justify-content:space-between;align-items:center}
.footer-bottom span{font-size:12px;color:rgba(255,255,255,.28)}
.footer-bottom a{font-size:12px;color:rgba(255,255,255,.38);margin-left:20px;transition:color .2s}
.footer-bottom a:hover{color:var(--sky)}

/* ===== REVEAL ===== */
.reveal{opacity:0;transform:translateY(40px);transition:all .9s cubic-bezier(.16,1,.3,1)}
.reveal.vis{opacity:1;transform:none}

/* ===== RESPONSIVE ===== */
@media(max-width:1024px){
  .desk-nav{display:none}
  .mob-bar{display:flex}
  .topbar-inner{padding:0 24px;height:68px}
  .hero{min-height:0}
  .hero-inner{grid-template-columns:1fr;gap:44px;padding:120px 24px 70px}
  .hero-left h1{font-size:40px}
  .sec{padding:76px 24px}
  .sec-heading{font-size:34px}
  .pgrid.cols-2,.pgrid.cols-3{grid-template-columns:1fr}
  .pcard{height:320px}
  .steps-grid{grid-template-columns:1fr;gap:44px}
  .steps-grid::before{display:none}
  .split{grid-template-columns:1fr;gap:56px}
  .split-visual .sv-float{right:6px}
  .split-visual .sv-pill{left:6px}
  .reviews-grid{grid-template-columns:1fr}
  .reviews-sec{padding:76px 24px}
  .cta-grid{grid-template-columns:repeat(2,1fr)}
  .cta-band{padding:84px 24px}
  .cta-band h2{font-size:34px}
  .footer{padding:60px 24px 28px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .footer-bottom{flex-direction:column;gap:8px;align-items:flex-start}
  .form-row{flex-direction:column;gap:0}
  .fc-body{padding:22px 18px 20px}
  .fc-img{height:120px}
}
@media(max-width:600px){
  .hero-left h1{font-size:31px}
  .hero-left .sub{font-size:16px}
  .hero-inner{padding:104px 18px 54px;gap:34px}
  .hero-actions{flex-direction:column}
  .hero-actions a{text-align:center;justify-content:center}
  .hero-badges{gap:12px 18px}
  .hero-badges .hb{font-size:13px}
  .sec{padding:60px 18px}
  .sec-heading{font-size:29px}
  .sec-sub{font-size:15px}
  .sec-head-c{margin-bottom:40px}
  .pcard{height:280px}
  .pcard-c{padding:24px}
  .pcard-c h3{font-size:22px}
  .cta-grid{grid-template-columns:1fr}
  .cta-band{padding:64px 18px}
  .cta-band h2{font-size:28px}
  .cta-band p{font-size:15px;margin-bottom:30px}
  .stats-track{gap:40px}
  .stat-item .si-num{font-size:30px}
  .footer{padding:52px 18px 24px}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .step-photo{width:120px;height:120px}
  .steps-grid{gap:36px}
  .reviews-sec{padding:60px 18px}
  .rev-card{padding:28px 22px}
  /* iOS: inputs under 16px trigger auto-zoom on focus — keep them at 16px */
  .fg input,.fg select{font-size:16px;padding:14px 16px}
  .fg select{padding-right:40px}
  .submit-btn{padding:16px;font-size:16px}
  .consent label{font-size:11.5px}
  .form-header h2{font-size:21px}
  .partners{padding:36px 18px}
  .partners-logos{gap:10px 22px}
  .partner-tag{font-size:14px}
}